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With April comes spring and tax time.

In 2018, you'll need to file by April 17 or face fees. But don't sweat too much if you can't afford to pay all your taxes at once. The Internal Revenue Service, or IRS, is often willing to work with you to help you pay your taxes without being penalized. That said, it's best not to avoid filing or paying. This bill won't just go away, and you'll accrue more and more late fees and interest the longer you let it sit.

Option 1: Pay by credit card or get a personal loan

The IRS allows several types of payment for your taxes, including a credit card. This isn't the best solution overall. You're essentially trading debt for another type. But if your situation is that you are able to pay, but don't have all the funds right now, a credit card is probably your fastest solution. (Unless your tax amount is too much for your card, then you'll need to consider another option.)

Pay your taxes with your card, and then pay off as much of the balance as you can until you're paid again. You'll still accrue interest on your card, but this amount might be lower than what the IRS would charge if you failed to pay or entered into an installment plan. The same may go for a personal loan from your local bank.

The stress of tax season can be overwhelming, but there are a few options to consider undsgn.com

Option 2: Set up an installment plan

As long as you meet certain requirements, you can set up an installment plan with the IRS to pay over time. And depending on how much you owe, you can even apply without having to talk to a person. If your bill is less than $50,000 in individual income tax, penalties and interest, you can apply for an installment plan online. You can also apply with federal form 9465. If you owe more than $50,000, you'll have to talk to an IRS agent to find out your next steps.

You'll be charged associated fees for entering into a plan, but these will be less if you sign up online. And even less if you agree to direct debit each month. You have to file all your tax returns before you apply for an installment plan. You'll usually be notified within 30 days if you've been accepted.

If it were only so simple... assets.pcmag.com

Option 3: Ask for additional time

Based on your particular circumstances, you might be granted additional time to pay in full. You can make a request like this online, by calling, or by talking with an IRS agent in person. If you're insolvent or unable to pay due to circumstances beyond your control (like unemployment or disability), the IRS is willing to work with you on your payments. You might be eligible for an officer in compromise, which will let you pay less than the actual amount you owe. These options are completely dependent on your unique situation and you'll be able to determine your next steps by communicating with the IRS.

Taxes are never fun, but they don't have to be a financial strain. The IRS has several payment and financing options if you're unable to pay in full by April 17. In extreme situations, you can talk to an IRS agent about reducing the amount you owe or setting up a payment plan. The key is: don't let your taxes sit. If you fail to file by the deadline, your interest and late fee penalties will be more than if you do file and request a different financing option.

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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