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Published: Monday, December 18, 2017 @ 4:27 PM
If you’re like most people and use your smartphone for pretty much everything in your life — from taking photos to managing your finances — then you’re probably familiar with that frustrating alert warning you there’s “not enough storage” to download or do anything else until you free up some space.
Seriously, it’s the WORST!
But the good news is that there are a few easy tips and tricks to prevent that stressful alert from constantly ruining your day.
First, check your storage and figure out what’s taking up so much space.
On an iPhone, go to Settings –> General –> Storage & iCloud Usage. That will show you how much space you’re currently using and how much you have left. When you click on Manage Storage, you’ll be able to see exactly which apps and files are using up the most storage space.
If you do a lot of texting, your messages are probably taking up a lot more storage space on your phone than you realize. When I recently checked mine, my messages were using 3.2GB of space!
And it’s not the messages themselves, it’s all the files — like photos, GIFs, videos etc. — that take up a lot of storage space. Plus, iPhones come with a default setting that keeps messages on the device forever, including all those giant files hidden in every message conversation that you’ve never manually deleted.
How to free up space
If you want to clear out some of this clutter, it’s pretty easy to delete file attachments from messages. Just click on a message conversation –> tap the “i” icon on the top right of the screen –> then you’ll see two tabs at the bottom — one for “Images” and another for “Attachments.” To delete files, hold down on one of the images or attachments –> click “More…” –> and that will allow you to select everything you want to get rid of and mass delete it all at once!
You can also change your settings so that messages aren’t saved forever, which will prevent the app from taking up so much space in the future.
Go to Settings –> Messages –> Message History –> Keep Messages –> then choose how long you want your phone to store your texts and iMessages.
Read more: 9 computer hacks you wish you knew sooner
If you subscribe to a lot of podcasts, your Podcast app is probably taking up a lot of space — especially if you haven’t changed the settings. The Podcast app comes installed with default settings that automatically download all new episodes to your device.
Totally unnecessary! You don’t need all of these files saved on your phone all the time. If you know you want to listen to a particular episode when you won’t have Wi-Fi, and don’t want to use up your data to stream it, that’s when you should download the file to your phone. Otherwise, you can simply go to the “My Podcasts” feed in the app to listen to any podcast or episode at any time — and as long as you’re connected to Wi-Fi, you’re all set.
How to free up space
Updating your preferences for the app will prevent it from taking up so much space in the future.
Go to Settings –> Podcasts –> and from there you can update each default setting.
I recently had nearly 5,000 photos and videos stored on my iPhone — such a waste of space! Especially considering the fact that every single file was backed up somewhere else…
Anything you don’t need on your phone can easily be backed up somewhere else — and for free. Here are a few options:
If you’re desperate for storage space and can’t find anything to delete, there’s a secret trick that can free up space for you.
Go to your iTunes app and attempt to rent a movie — but make sure the movie file exceeds the amount of storage space you have left. When you click “Rent” it will prompt an alert notifying you that you don’t have enough storage space left. The alert will give you two choices: OK and Settings — tap Settings. Then go to General –> Storage & iCloud Usage — and you should already notice that your phone has more available space than it did a few seconds ago.
Published: Thursday, February 22, 2018 @ 6:13 PM
— ‘Tis the season for taxpayers to get a nice chunk of change back from the IRS.
It’s tempting to spend it all, but financial experts say there are steps you should take to shore up your financial future.
Some who usually pay off debt will splurge this year.
“I’m going to Japan in April so I’m actually going to add that to my travel fund, so I’m really excited about it,” said Olivia Morris from Centerville.
Those who used to spend their return?
“I just plan to save it. We are about to start a family, so I plan on saving it for the baby,” said Toska Ivory of Dayton.
It’s important to have a plan for tax return funds or any financial windfall, said Lisa Roberts, Graceworks certified housing and credit counselor.
Pay urgent bills first then save.
“If it’s something that is urgent -- a bill that’s going to be a roof over your head, utilities, pay them,” said Roberts, “after that you definitely want to put it into savings.”
WalletHub has these additional tax refund spending recommendations:
As for splurging?
Published: Thursday, January 04, 2018 @ 11:05 AM
— Many companies have announced they will provide first quarter cash bonuses to employees following last month’s passage of the tax reform bill.
» RELATED: What to expect from the new tax legislation
While some may see this as money to spend immediately, PNC offered five things to think about for how to use the funds:
FIVE FAST BUSINESS READS
Published: Thursday, December 28, 2017 @ 9:12 AM
— With the recent tax changes, the usual end-of-year assortment of tax moves is likely more complicated in 2017.
These changes affect everyone from single mothers to millionaires to most sports fans who buy event tickets.
“I’d love to tell you that everyone has a handle on this,” said Mark Bradstreet, founder of the Bradstreet & Co. Inc. accounting firm, which has offices in Centerville and Xenia. “I’m not sure anyone does. I would be suspicious if someone said they did.”
Prominent among the changes: The 1,000-page legislation recently passed by Congress and signed by President Donald Trump caps at $10,000 the amount of state and municipal taxes that taxpayers can deduct from their federal tax bill.
Some filers — those with high property tax bills who aren’t using the standard deduction — are scrambling to pre-pay property taxes for the coming year before the cap takes effect, according to national reports. In 2017, that deduction has no ceiling.
While the new tax bill lets local municipalities decide whether to allow taxpayers to pre-pay property taxes, it blocked filers from pre-paying local sales and income taxes.
Bradstreet said it’s OK to pre-pay real estate taxes for most taxpayers. Montgomery, Greene and Warren counties will allow filers to pay property taxes early, he said.
“They’re all more than happy to take your money,” he quipped.
If you fall under the alternative minimum tax (AMT) — and if you don’t itemize your deductions — paying property property taxes early won’t help, Bradstreet said.
“For most people, though, it’s ‘no harm, no foul’ pre-paying it this year,” he said.
But an IRS announcement was triggering more confusion early Thursday.
In a notice, the IRS said pre-paying property taxes may work, but only under certain conditions. Real estate taxes may be paid in 2017, but the taxes must also be assessed in 2017.
William Duncan, a certified public accountant with Dayton firm Thorn, Lewis & Duncan, said taxpayers should check with accountants to see if they will fall under the AMT in 2017.
Duncan called the tax changes “wild.” With newly lowered tax brackets and higher standard deductions, he said he has clients with seven-figure incomes who will opt to take the standard deduction this year instead of itemizing.
That’s the first time in his career he has seen that, Duncan said.
The standard deduction for married individuals filing jointly is $24,000, noted John Venturella, a Dayton shareholder with Clark Schaefer Hackett.
“I think you are just going to see a lot of people using the standard deduction,” Venturella said.
The new law introduces some wrinkles for University of Dayton Flyers or other college and professional sports fans, too.
If you buy University of Dayton basketball tickets in the lower arena and pay for a seat license, current law lets you deduct 80 percent of that as a charitable deduction. That benefit is going away in 2018, Duncan said.
The university is inviting ticket-holders to pre-pay for seat licenses in 2017, Duncan said, which Adam Tschuor, associate athletics director for revenue and partnerships at UD, confirmed.
“It may be to your advantage to pay for next season’s ASP (Arena Seating Program) donation or beyond before Jan. 1, 2018,” the university said in a letter sent to ticket-holders just last week. “These payments would still be tax deductible under existing tax law.”
Tschuor said the university has always allowed fans to prepay their “ASP donation in all the way up to the conclusion of the announced ASP cycle.”
Another change: Your tickets for UD, Wright State, Ohio State or Cincinnati Reds or Bengals games will no longer be tax-deductible as a business entertainment expense.
“If you’re a businessperson and you want to take clients to the UD game next year, you’re not going to be allowed to take a tax deduction for the entertainment value of those tickets,” Duncan said.
For businesses, Duncan said it’s important this year to try to defer whatever income you can, push it to 2018, and pay the expenses you can in 2017.
Most accountants scoff at the notion, pushed by the bill’s proponents, that it has simplified the tax code. For higher-income earners in particular, as well as many small businesses, tax law remains at least as complex as ever. And the bill has injected a new layer of uncertainty because so many changes are temporary and could be reversed in a few years.
Donating to charities
December is a critical fundraising month for charities. Many people make year-end gifts for tax reasons, or to extend the spirit of Thanksgiving and generosity to those less fortunate. Here are a few dos and don’ts when it comes to charitable giving.
DON’T succumb to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow – after you’ve had time to do your homework.
DO think before you give. If you are solicited at the mall or on the street, take a minute or two to “think.” Ask for the charity’s name and address. Get full identification from the solicitor and review it carefully. If you decide to donate, don’t give cash. Write a check made payable to the charitable organization, not an individual.
DO check out the charity carefully. Make sure you feel comfortable with how your money will be spent. Don’t just take the word of someone else; even good friends may not have fully researched the charities they endorse. Go to www.give.org to verify that a charity meets BBB Wise Giving Alliance’s 20 Standards for Charity Accountability.
DON’T assume that only “low overhead” matters. How much money a charity spends on the actual cause – as compared to how much goes toward fundraising and administration – is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.
SOURCE: Better Business Bureau
Published: Wednesday, December 13, 2017 @ 10:32 AM
— It's that time of year again when parents and college or college-bound students fill out the FAFSA (Free Application for Federal Student Aid).
The idea of wading through a form – especially one that requires financial information – is definitely not an appealing idea, but the FAFSA could be a tremendous help in getting your student money to attend college.
The following points are what you need to know, as well as common mistakes to avoid when filling out the FAFSA.
Fill it out – you have nothing to lose.
You may think that you don't need to fill out the FAFSA, especially if you believe you might not qualify for need-based aid. But there's no income cut-off point with federal student aid, according to the U.S. Department of Education. In addition, the FAFSA can help you qualify for all kinds of grants, loans and scholarships, including those offered by your state, school or private organizations.
By investing a few minutes of time, you could reap thousands of dollars in potential rewards.
Submit it ASAP.
The sooner you submit your FAFSA, the better, according to consumer adviser Clark Howard. Although the federal deadline isn't until June 30, 2018, you should check with the financial aid administrator at colleges you're interested in to make sure their deadlines aren't earlier.
Submitting earlier will help you plan how you'll pay for college. You'll also have a better chance of getting as much aid or scholarship money as possible since some colleges distribute their available money on a first-come, first-serve basis, Howard says.
Gather the information you'll need.
The FAFSA asks questions about the student as well as his or her parents if the student is a dependent.
You'll need the following information on hand as you fill out the FAFSA:
Watch out for common mistakes.
The National Association of Student Financial Aid Administrators points out some common mistakes that can delay your form's submission or cause you to not get the aid and scholarships you might qualify for. They include the following:
Keep an eye out for requests for more information.
Your FAFSA may be selected for verification, which means you'll have to provide some additional or supporting information, U.S. News & World Report explains. This process doesn't necessarily mean you've done anything wrong. You may have a discrepancy or mistake on your form, but some FAFSAs are just randomly selected for verification (lucky you!).