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When Can I Deduct Car Insurance from My Taxes?
Taxes weigh on everyone's minds, and many are looking for deductions relevant to their circumstances in order to reduce or eliminate an onerous tax bill. Oftentimes, we are familiar with deductions related to our homes or businesses but are less certain about one daily part of our lives: our cars.

Do you use your car for business-related purposes?

While pure personal use of your vehicle is not tax-deductible, there are certain situations where you may be able to deduct car insurance premiums from your taxes. A word of caution: commuting to and from work in a personal vehicle does not qualify for a tax deduction.

The two most common ways to deduct car insurance premiums are:

1. If you are self-employed and the vehicle is used to further your business (such as a house painter using his truck to complete jobs)

2. If you are an employee but your employer does not reimburse you for business-related expenses related to your case (such as a personal assistant getting an employer's dry cleaning or driving an employer around town)

Are there any other deductions when it comes to my vehicle?

Yes, you may also be able to deduct other costs such as fuel, parking fees, car repairs, and even depreciation if your costs are more than 2% of your adjusted gross income (AGI). Every penny counts, so don't miss out on auto expense deductions that could benefit you this tax season.

Contact our office today with any of your insurance coverage questions or concerns. We're here for you.

Meet Two Women Changing the World, One Life at a Time
As the season of New Year's resolutions gives way to a rapidly unfolding new year and decade, optimism may waver in the face of the political, economic, and environmental challenges that humanity faces.

This March, Women's History Month is a welcome and inspiring reminder that there are those who seek to make the world a better place, starting with their very own communities. The following fierce females show that no matter how small the positive action, its ripple effects change and enrich many lives.

Chicagoan Shante Elliott grew up as a ward of the state until she was adopted at age 13. Armed with firsthand experience of the challenges youngsters face in the foster care system, Elliott launched TasselTurn, a platform that uses technology to boost educational attainment for foster teens. TasselTurn pairs at-risk kids with "virtual coaches" (graduate students and young professionals) who ensure their mentees graduate and go on to attend college or find jobs.

Fellow L'Oréal Paris Women of Worth 2019 honoree Brittany Schiavone launched Brittany's Baskets of Hope in 2014. Drawing on her own experiences as a woman with Down's syndrome, the Huntington-based nonprofit offers support and guidance to those welcoming babies with Down's syndrome into their lives. Since 2016, she has delivered 750 homemade baskets containing informational books, baby essentials, and gifts to families across 48 states.

Not only are these women working to change lives, they are single-handedly changing the narrative around foster kids and Down's syndrome, shaping history as they boldly go forward into the future.

How to Make the Most of Your Spring Cleaning
The first spring clean of the year is a golden opportunity to refresh, renew, and rejuvenate not only our surroundings but also our own inner sense of well-being. Don't know where to start? Take note of these handy hints to help tackle your big 2020 spruce-up with a spring in your step.

Create a plan of action for each room/area in your house. From there, home in on specific jobs and make a list to break things down into easily manageable chunks. It'll be incredibly satisfying as you check off each job!

In your kitchen, pay extra attention to overlooked areas, like the microwave, oven, sink, fridge, pots and pans, and that often-forgotten junk drawer. If you like to keep things eco-friendly, citrus can go a long way: rub a slice of lemon on your cutting boards to help get rid of tough stains.

In the bathroom, delegate your time between machine-washing shower curtains (just be sure to use the gentle cycle), decluttering and getting rid of make-up, ointments, and medicines, and refreshing shower drains and grouting. Apply a paste made of baking soda and water to grout and scrub with an old toothbrush. Afterwards, spray the grout with white vinegar and water, and let the mixture bubble for 30 minutes before rinsing.

Don't forget to refresh your bedding. Pillows should be replaced every one or two years (depending on their quality), while comforters need a deep clean at least twice a year.

When you finish your spring clean, remember to clean your tools and stock up on cleaning supplies so your next cleaning job is efficient and easy. Vacuums, brooms, dryers, and dishwashers deserve your attention too!

How to Estimate the Value of Your Possessions
In each of our homes lies a treasure trove of possessions. Some are utilitarian with high monetary value, such as a refrigerator, but have little emotional pull. On the other hand, there may be items handed down from past generations that would likely stir great emotions but have low market value to others. Many would value their possessions based on their attachment to them, but is that how it works when you're shopping for homeowners insurance or renters insurance? Below are a few ways to estimate the value of your possessions before negotiating your insurance policy.

Calculating the value of your possessions

It's not easy to calculate the value of your possessions, but using a few easy strategies, you can be well on your way to determining the amount of insurance coverage that is right for you.

1. Walk around your home or apartment and take photos or video of everything you'd like to insure.

2. Make a list of everything you have photo or video proof of, and begin to estimate each item's worth:

For items with receipts, take photos of the receipts and any warranties.

For expensive possessions like furniture or electronics, getting the model name or number and date of purchase is crucial.

3. For clothes, shoes, nonelectronic household items, and any other household possessions, calculate the value you estimate these all to be worth.

4. Add each group together, and that is the estimated value of your possessions.

How much insurance do you need?

One handy tip is to estimate the amount of money you can afford to pay out of pocket to replace your possessions and subtract it from the total value of your possessions. Arriving at that number will ensure a lower monthly payment but guarantee the peace of mind that comes from comprehensive insurance coverage.

Don't hesitate to reach out so you've got as much information as you need to make a decision that's best for you.

Is Shopping Online for Insurance Really a Bargain?
Buying auto or homeowners insurance on the internet seems easy and cheap. But is it?

Discover how relying on the web to protect your most valuable assets could cost you more - and put you and your loved ones at risk - by requesting my free guide, "The Dangers of Shopping Online for Insurance."
Just reply to this email and I'll send it right out to you.

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Quick Quiz
Each month I'll give you a new question.

Just reply to this email for the answer.

Which woman founded modern nursing and was nicknamed "Lady with the Lamp"?

Roasted Potatoes with Green Goddess Dip
Here is a recipe for St. Patrick's Day that brings to mind the green hues of the Emerald Isle and features the versatile potato.
Serves 6
1 pound roasted baby potatoes
3 cloves garlic, minced
2 tablespoons olive oil
1/2 cup raw cashews, soaked in hot water for 15 minutes
2 tablespoons tahini
1/3 cup fresh lemon juice
2/3 cup fresh basil
2/3 cup fresh parsley
1 1/2 tablespoons maple syrup
1 teaspoon brown mustard
Salt to taste
Preheat oven to 400F.

Place potatoes in a bowl with oil, garlic, and a generous sprinkling of salt. Arrange on a baking sheet and roast until tender, turning occasionally, for about an hour.

Drain cashews and place them in a blender with tahini, lemon juice, herbs, maple syrup, and mustard. Puree until smooth.

Place the potatoes on a platter and the dip in a bowl in the center.

Can be served as a side dish or additional items like mini sausages, crudités, and pita chips can round out the platter and be dipped in the green goddess dip.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.
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