It’s Tax Season once again. Even if you’re an old hand at doing your own taxes, there are still plenty of mistakes taxpayers make that can generate unwanted attention from the IRS. Here are just a few:

• Failing to report all of your income.  If you have the information about your income, so does the IRS. Employers are required to send copies of your W-2s and 1099s to the IRS. The IRS’s computers will match up all the social security numbers, along with the income, etc. 
• Large meal, entertainment, and travel deductions.  If you have a W-2, the IRS will want to know about your employer’s reimbursement policy. Self-employed or not, if you claim these types of deductions, always document them thoroughly; dates and times, location, names of the people attending, the business purpose, and the nature of the meeting or discussion. 
• Claiming 100% business use of a vehicle.  It’s important to keep detailed mileage records, listing the purpose for each trip as well. 
• Not claiming any deductions for your business.  You should claim whatever deductions you are entitled to claim. Don’t be afraid to do anything on your return as long as you are being honest and have documentation to back up your claim.

Tax season doesn’t have to be the headache many people make it out to be. Keeping good records and making sure you have all the documentation needed, can go a long way toward making filing your taxes smooth and simple. 

Whether you’re a dedicated weekend warrior or just decided to check out the free trial membership offer at the local gym, working out can be a great way to improve your quality of life. But along with the benefits come a few pitfalls. Here are some of the most common workout mistakes, and how you can avoid them:

1)  Doing the same workout routine every day.  You can avoid boredom by changing up your fitness routine. You need to rest overused muscles, so focus on different muscles on different days and add new exercises, too.

2)  Using the machines incorrectly.  If you are just copying what the other people are doing, you could cause yourself unnecessary pain, and end up wasting a lot of time. Invest in a trainer to show you how to exercise effectively and efficiently.

3)  You’re all about the cardio.  If you’re trying to lose weight, you need to add resistance training to increase your metabolic rate. Lifting weights in addition to your cardio training will help you burn calories 24 hours a day.

4)  Exercising on an empty stomach. Like a car needs gas to go, you need energy to fuel your workout. Some pre-workout food suggestions: a granola or protein bar, an apple and string cheese, or a slice of wheat bread with a tablespoon of peanut butter.

5)  Who needs to warm up?  You do! Warming up raises the body heat and prepares the ligaments and tendons for work.

Exercise can be a great part of achieving better health. Exercising the right way can help you keep up that healthy lifestyle.

Pink Hearts… red roses… the perfect day to show that special someone how much you really care. How did they come up with a day dedicated to love and romance anyway?

The beginnings of St. Valentine's Day go back to the Roman fertility festival of Lupercalia. On Lupercalia, a young man would draw the name of a young woman in a lottery and would then keep the woman as a companion for the year. The rest is, shall we say, history. 

Here are some other fun facts about Valentine’s Day:

• In Victorian times it was considered bad luck to sign a Valentine's Day card.
• While 75% of chocolate purchases all year long are made by women, during the days and minutes before Valentine's Day, 75% of chocolate purchases are made by men.
• An average person spends two whole weeks of his or her life kissing.
• About 3% of pet owners give Valentine's Day gifts to their pets.
• Chocolate has been used as a gift since the days of the Aztecs, who believed it to be a source of spiritual wisdom and energy. It was used as a nuptial aid and served at wedding ceremonies.
• Amnat Puttigo from Pattaya, Thailand, won a "Ripley's Believe It or Not" by holding his wife in his arms for 10 hours, 49 minutes, and 15 seconds in a Valentine's Day Contest!

So, there you have it. Have a safe and happy Valentine’s Day.

Often the motivation we need to keep our New Year's Resolutions is to see where they fit in the grand scheme of our long-term life goals. But the first step is to examine precisely what our long-term goals are. Whether you want to travel the world, or become a multi-millionaire by the age of 50, it's important to choose goals that you really want to achieve and are both realistic and specific.

Baby steps

Let's say you want to lose 20 pounds before your high school reunion next summer. The first step is to focus on short-term goals that will make the larger goal more attainable, like eating 100 fewer calories per day. Once you find you've achieved one goal, gradually add another, like walking an extra half mile each week. Keep these short-term goals small and manageable, and that will make them easier to accomplish. If you find yourself losing patience or not being able to reach these short-term goals, make them smaller and smaller until they seem more possible for you to do.

Write it down

Writing things down helps make things happen. Using the above weight loss goal example, you could keep track of your progress by writing in a food and activity journal or app, remembering to focus on your motivation. Be sure to note improvements in your breathing, energy, stress levels, mood, etc., and celebrate these victories.

Most importantly, when working on any long-term life changes, always approach life one day at a time. What can you do today that could help you reach your long-term goal?

The 2015 filing season started last week and the Internal Revenue Service is open for business.

So, what's new for your 2014 return? Keep reading for highlights on some of the changes.

Health Care Coverage: Beginning in 2014, you are required to have health care coverage. When you file your return, you must either:

- indicate that you, your spouse and dependents had coverage all year,

- claim an exemption from coverage, or

- make a shared responsibility payment for any month that you did not have full coverage or qualify for an exemption.

Premium Tax Credit:You may be eligible to claim the premium tax credit if you, your spouse, or a dependent enrolled in health insurance through the Health Insurance Marketplace.

Personal exemption amount increased for certain taxpayers. Your personal exemption is now $3,950. This amount could be reduced if your adjusted gross income is over certain limits based on your filing status.

Increased Standard Deductionamounts are as follows:

Single or Married filing Separately, $6,200

Head of Household, $9,100

Married filing Jointly or Qualifying widow(er), $12,400

Standard mileage rates. The 2014 rate for business use of your car is 56 cents a mile. The 2014 rate for use of your car to move or to get medical care is 23.5 cents a mile.

Be sure to contact your tax professional for more information. Don't wait till the last minute!

With the start of every New Year, we all hope there's a healthy new us just around the corner. Instead of finding the same old us two weeks from now, here are some things we can do differently this year:

• Document everything.  Start a journal. Make a chart. Take pictures of yourself. If you can see evidence of the progress you're making, you'll be more encouraged.
• Start small.  If a task is too big, it can overwhelm us. Make small specific goals, like “I will substitute water for two sodas.” 
• Be prepared.  Don't give yourself any reasons why you can't keep on track. Keep the gym shoes and clothes ready to go. Have healthy snacks in the fridge. Keep a list of alternatives to smoking on hand. 
• Get plenty of sleep.  Sleep loss can cause increased weight gain, along with other health problems. If you're giving up nicotine, extra sleep may help with the withdrawal. 
• Exercise!  Exercise helps control appetite! Exercise helps with stress! It keeps you warm when it's cold outside! Your body will release endorphins and you will be happy! Just keep repeating these things to yourself!
• Get help if you need it.  Professional personal trainers can help set up a meal plan and exercise regimen specific for you and your daily schedule. Smokers can get free advice and counseling by calling 1-800-QUIT-NOW (1-800-784-8669).

Don't give up. Most people give up on their New Year resolutions within 4 weeks. Try to stick with your plan for at least 6-12 weeks. If you aren't getting the results you wanted, re-evaluate your program and start again!