![]() We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.We won’t post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups.We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.We expect commenters to treat each other and the blog writers with respect. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. But keep in mind, this is a moderated blog. Your thoughts, ideas, and concerns are welcome, and we encourage comments. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Read more about the FTC’s rulemaking proposal to combat impersonation scams. Have you spotted an impersonation scam? Report it at. ![]() And see what to do next if your identity has been stolen. The real USPS won’t contact you out of the blue about a delivery (unless you submitted a request first and give a tracking number) - and they’ll never demand payment to redeliver a package.Īlready paid or gave your information to a scammer? Check out What to Do If You Were Scammed to learn more about asking for a refund. Don’t pay to get a package redelivered.Don’t use the information in the text message. If you think it could be legit, contact the company using a website or phone number you know is real. Don’t click on links or respond to unexpected texts - including ones asking you to fill out surveys to get free items.No matter what the unexpected text says, the advice is the same. If you click on those links and submit your card information, you’ll ending up with nothing - but you’ll find unauthorized charges posted to your account. To claim your “reward,” you’re told to click on the link, answer some questions, and pay for shipping. Or you might get texts about a chance to win a free gift card or a power tool. You may get a text from scammers pretending to be USPS and asking you to confirm your debit card details so you can get an undelivered package. The details vary, but the scammers are after the same thing: your money and your personal information. Spoiler alert: they’re from impersonators. The FTC has seen a spike in reports from people getting text messages that look like they’re from well-known names like USPS, Costco, or The Home Depot and others. That unexpected text from the Postal Service (USPS), Costco, or The Home Depot telling you about an unclaimed package or a survey you can complete to claim a freebie is NOT from them. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.Shopping and Donating Show/hide Shopping and Donating menu items.
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![]() Despite the size of the collection, users frequently upload photos, expanding the archive and making it an impressive source for free stock images. This is another great website (although smaller than the other choices) for free stock photos that you can use for your Zoom background. Pixabay also asks that you register to download images for free. Browse through images of pristine beaches, beautiful sunsets, and popular sightseeing destinations and download some of your favorites today. Pixaby may not have the most robust collection, but it’s super simple to use and contains a wide variety of high-quality photos. While Unsplash certainly makes a splash in the free photo scene, Pixaby gives it a run for its money. Unsplash provides photos on almost any popular topic: from national parks like Yosemite to cityscapes like New York City to photos of lions and tigers and bears it’ll leave you saying, “Oh my! how can it be free?” To use a background all you have to do is register with the site (also free) in order to gain access to and download unlimited images. Looking for ways to impress your colleagues in your next Zoom meeting? Or just want a change of pace and scenery? Add a little fun to your meetings with a creative background like a beautiful landscape or a logo or image that is uniquely you! For the best photos that you can download and then upload to Zoom, absolutely FREE, we recommend these great free stock photos sites. allows taxpayers to deduct certain income from their gross income to determine taxable income. Taxable income is always lower than gross income since the U.S. This is different than your total income, otherwise known as gross income. ![]() Tax Withholding Estimator: Calculating Taxable Income Using Exemptions and Deductionsįederal tax rates apply only to taxable income. Based on these rates, this hypothetical $50,000 earner owes $6,307.50, which is an effective tax rate of about 12.7%. This is because marginal tax rates only apply to income that falls within that specific bracket. The rate on the first $11,000 of taxable income would be 10%, then 12% on the next $33,725, then 22% on the final $5,275 falling in the third bracket. However, that taxpayer would not pay that rate on all $50,000. While it often makes sense to file jointly, filing separately may be the better choice in certain situations.īased on the rates in the table above, a single filer with an income of $50,000 would have a top marginal tax rate of 22%. Married persons can choose to file separately or jointly. These different categories are called filing statuses. You’ll notice that the brackets vary depending on whether you are single, married or a head of household. The table below shows the tax brackets for the federal income tax, and it reflects the rates for the 2023 tax year, which are the taxes due in early 2024. Income falling within a specific bracket is taxed at the rate for that bracket. These ranges are referred to as brackets. These are called “ marginal tax rates," meaning they do not apply to total income, but only to the income within a specific range. This means there are higher tax rates for higher income levels. The United States has a progressive income tax system. If you’re ready to find an advisor who can help you achieve your financial goals, get started now. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. The IRS mandates employers to send 1099 forms to workers who are paid more than $600 during a tax year.Ī financial advisor can help you understand how taxes fit into your overall financial goals. ![]() But, whereas W-2 employees split the combined FICA tax rate of 15.3% with their employers, 1099 workers are responsible for the entire amount. This means that because they are not considered employees, they are responsible for their own federal payroll taxes (also known as self-employment tax).īoth 1099 workers and W-2 employees must pay FICA taxes for Social Security and Medicare. Independent contractors, unlike W-2 employees, will not have any federal tax deducted from their pay. However, this tax payment is divided in half between the employer and the employee. The FICA rate due every pay period is 15.3% of an employee’s wages. These taxes include Social Security tax, income tax, Medicare tax and other state income taxes that benefit W-2 employees.īoth employers and employees split the Federal Insurance Contribution Act (FICA) taxes that pay for Social Security and Medicare programs. This means that employers withhold money from employee earnings to pay for taxes. These forms report the annual salary paid during a specific tax year and the payroll taxes that were withheld. W-2 employees are workers that get W-2 tax forms from their employers. Taxpayers can lower their tax burden and the amount of taxes they owe by claiming deductions and credits. ![]() are calculated based on tax rates that range from 10% to 37%. In addition to this, most people pay taxes throughout the year in the form of payroll taxes that are withheld from their paychecks. Nearly all working Americans are required to file a tax return with the IRS each year. The federal personal income tax that is administered by the Internal Revenue Service (IRS) is the largest source of revenue for the U.S. The Federal Income Tax: How Are You Taxed? Photo credit: ©/Veni ![]() It is the most efficient method that you should never miss. In case you have forgotten the Screen Time passcode yourself and want to hack or bypass the Screen Time, no tools come close to LockEraser in view of its ease of usage, perfect security and ideal reliability at a highly affordable price. This has been tested with Python 2.7 and Python 3. This blog gives you everything you need to do to prevent Screen Time from getting hacked and take necessary countermeasures accordingly. This version of the application is written in Python, which is used to crack the restriction passcode of an iPhone/iPad takes advantage of a flaw in unencrypted backups allowing the hash and salt to be discovered. Click your iPhone in the left sidebar of Finder screen and head to General tab. ![]() In a Mac with macOS Catalina 10.15 or later, attach your iPhone to it and open Finder. If you’re like most iPhone users, you’ve probably been frustrated by the Screen Time Hack used by your kids at one time or another. Go to Summary section and choose Restore iPhone to bypass passcode disabled iPhone. Easy - Bypass iPhone passcode with 3 steps Effective - Unlock iPhone/iPad/iPod touch without passcode for free Professional - Have helped 500,000+ users to get into a locked/Disabled iPhone Up-to-date - Support all iOS versions and devices including iOS 16 and iPhone 14 models. 3 Now, type in your passcode for confirmation and wait for the completion.2 Click on Erase All Content and Settings.1 Go to the Settings > General > Reset > Erase All Content & Settings. ![]() Last but not least, it is an convenient way to remove screen time by factory reset. 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Shop Barnes & Noble for the best selection of planners for 2024. ![]() It’s always ok to pack a little extra, rather than having to go shopping!. If you are doing a lot of hiking or intense outdoor activity, you’ll need to eat more. If you’re not into counting calories, use your best judgment about what constitutes an adequate meal. Plan for three meals and light snacks for every day of your trip. You can also use this list to create a shopping list to make your shopping simple. Knowing how many meals you will prepare and creating a food packing list will really help you to stay organized. Obviously!įood and cooking equipment is heavy if you’re carrying it to a campsite, and cooler or car space is limited. You always want to make sure you have enough food for the entirety of your trip, but you also don’t want to overpack. Just getting started? Read ahead for some tips for planning, shopping, packing, and preparing your favorite camping meals. Free Printable Camping Meal Plan 12 Tips For Planning Meals On Your Next Camping Trip Take the camping menu planner template along with you for reference. Check items off as you pack them to make sure you do not forget anything. When you’re ready to pack, you’ll know just how much of each thing to bring. How many breakfasts, lunches and dinners will you serve? What kinds of snacks does your camping group like? Will you cook indoors, on a grill, or over an open fire? (maybe all 3) Answering these questions will enable you to remove a lot of the guess work and save you tons of time. ![]() It’s a great, basic way to decide what you’ll have each day, and a quick reference so you can decide what you’ll need to pack, like cooking supplies (camp stove, utensils, pots, pans, etc.), condiments you might like, and how much of each ingredient to bring for your group.įirst, figure out what you’d like to eat each day, then take notes on another sheet of paper. The handy camping meal planner template included is a simple chart for a week’s worth of meals, including snacks. It will help you to organize your different meals, bring all the food you need, and enjoy nature more during your next camping experience. A little extra planning will make your trip that much more enjoyable.įill out this quick form and get a free copy of our weekly meal plan. For longer camping trips, a camping meal plan will allow you to travel complete and lessen the chances you will have to shop during your camping adventure. You might even face other surprises like picky eaters or camping buddies with food restrictions.Ī solid meal plan will ensure you pack just enough, that you’re traveling as light as possible, and that you satisfy all of your campers. Nothing spoils a night of camping like not having the right supplies to cook your meal, having food spoil, or even running out of food to eat. It’s so important to be ready for your trip. Let’s dive in so that you can get on the road! Why Do Camping Meal Planning? Whether you’re going for a day hike or out for an extended trip, planning camping meals for two, or feeding a group, using a camping meal plan template and following these tips and meal planning ideas will give you a great place to start. Picking your site, planning your activities, packing your gear, and of course, planning out what you’ll eat! After returning home, you can see just how well you did, and how much food comes back.As camping season approaches each year, every good camper knows: planning is everything. Then decide how a day’s food weight will be divided between breakfast, lunch/snacks, and dinner. Start by deciding on how many pounds of food you’ll bring per day- 1.5 to 2 pounds is pretty standard. This is basically the same, but for counting ounces of food rather than gear. The plan involves one of a backpacking nerd’s favorite tools: a spreadsheet! You may have used spreadsheets to plan what gear you take in your pack. This helps me decide just how much bring on the next trip, and hopefully increase efficiency. ![]() This system, rather than counting calories, assumes that the food I pack is sufficiently calorie-dense, and focuses instead on the weight of food I bring, as well as the amount I don’t end up eating on the trip. Over the past few years, I’ve developed a system that works well for me. Instead, I have to decide on everything I’m going to bring with me right from the start. If a backpacking trip is five days long, there’s no time to resupply in the middle, as I would on a months-long trip. It’s been a while since I was last on a thru-hike, so all of my backpacking trips these days require advance planning when it comes to food. These realistic elephant tattoos show the mother elephant and the baby walking together the baby elephant has held its mother’s tail with its trunk. The Family Oriented Animals Tattoo via Instagram – Love this design? Try a Temporary Tattoo One can have a small and subtle design as much as they don’t want anything too extravagant. Only because elephants are enormous does not need an elephant tattoo. You can choose between simple and tiny designs and bright intricate designs. There are numerous cute elephant tattoo ideas to choose from. As a result, elephant tattoos typically depict elephants as calm, knowledgeable, and joyful creatures. Elephants are a popular tattoo subject due to the aesthetic possibilities as well as the intrinsic meaning.ĭespite their size, elephants are frequently referred to as “gentle giants” due to their generally calm demeanor. Elephants are gorgeous creatures with significant cultural importance. Elephant tattoos can range from charming cartoon characters to big realistic portrayals of the animal to sophisticated geometric forms and motifs. Here are the best elephant tattoo designs for women and men to consider, and if you want an elephant sleeve, arm, shoulder, chest, back, ankle, hand, foot, tattoo. Furthermore, one could get these amazing creatures tattooed with a flower for a delicate feminine style or a black and white African elephant head for a dramatic finish. Elephant tattoo designs range from modest and simple to tribal, artistic, geometric, watercolor, or cartoon-like. An elephant tattoo can represent knowledge, prosperity, luck, power, pride, family, and character.Įlephant tattoos suit all men and women. via Instagram – Love this design? Try a Temporary TattooĮlephant tattoo designs are so adaptable that these magnificent and gorgeous animals can be applied to any part of the body.ĭepending on the design, an elephant tattoo can imply and symbolize a variety of things. Let’s have a look at some meaningful motherhood elephant family tattoo ideas. Motherhood phase is important not just for humans but also for the animal kingdom.
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