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Small Business Checklist for Tax-Time Technology

Some tips to make technology work for you at tax time:

- Digitize: Making the transition to digital documents can be a big step for a small business, but converting documents to digital is becoming increasingly simple and popular.

Advantages of scan-to-digital at tax time include less paper to sort through and easy access to a variety of records.

- Go mobile: Try using a mobile device or laptop and a portable scanner to digitize tax documents while on the road.

Portable scanners can save space in the office setting as well, by reducing the amount of space needed to store paper records and documents.

Printing from a mobile device or laptop to a wireless-enabled printer also helps save time, especially during tax season. And many printers have security features for output management and ease of use.

When choosing the right office products, key points to consider include:

- Convenience. Equipment that is easy to set up and use saves valuable time for small businesses. For those on the go, portable products such as the Canon imageFORMULA P-215II Scan-tini handle document scanning for individuals on the road or working remotely. A lightweight design allows for easy document digitization from a range of locations, such as a hotel, airport, offsite meeting venue, or a home office.

- Confidence. Investing in technology with a trusted reputation means less worry that an office solution - hardware or software - might fail at a crucial time. The technology of scanners designed for small businesses has improved in recent years.

"Small businesses with limited resources demand reliability and dependability in their document management technology," says Nobuhiko Kitajima, VP and general manager of Canon USA Inc.'s Business Imaging Solutions Group.

One example, the Canon imageFORMULA DR-M260 Office Document Scanner, provides small businesses with reliable and efficient performance, and comes with an industry-leading, five-year warranty.

- Protection. Data security is essential, especially for businesses that work in the cloud. Be sure to choose products with security features, such as password protection, multi-factor log-in and output file encryption.

For more information about optimizing technology for an easier tax season, visit https://shop.usa.canon.com/shop/en/catalog/high-speed-document-scanners

 

50 Years Later, This Medicine is Still Protecting Moms and Newborns

Fifty years ago, in May 1968, the then-29-year-old Teaneck, New Jersey, homemaker was expecting her third child when she became the first person to receive an injection of a new medicine called RhoGAM, developed to help prevent a condition that in the U.S. alone was leading to the deaths of about 10,000 newborns annually and brain damage in others.

"That one injection had a tremendous impact on my family," Cummins recently recalled.

Cummins, you see, has Rh-negative blood, a trait shared by 15 percent of the U.S. population.

But the fetus inside her was Rh-positive - as were her two children at home.

To understand how terrifying that incompatibility was in those pre-RhoGAM days, a bit of Biology 101 is in order. During any pregnancy, it's normal for some of the baby's blood to enter the mother's blood stream, usually at delivery. However, when Rh-positive fetal red blood cells cross into an Rh-negative mother's circulation, her body reacts like it's fighting off an invading virus, producing antibodies that can attack the baby's blood cells. This immune system response is called "Rh sensitization."

The first child is typically unaffected since manufacturing those antibodies takes time. However, any Rh-positive baby after that - and, remember, this was Cummins' third pregnancy -represents a dangerous gamble; Rh sensitization sometimes leads to hemolytic disease of the fetus and newborn (HDFN), a deadly condition.

RhoGAM, as it does to this day, prevented that sensitization from happening.

"I still marvel at RhoGAM's impact," John Gorman, MD, a co-creator of the medicine and former director of the blood bank at New York Presbyterian/Columbia University Medical Center, has said.

In fact, with approval by the Food and Drug Administration (FDA) in hand, the drug's use became standard medical practice for every pregnant Rh-negative woman here and in Europe and Canada, resulting in HDFN's virtual eradication there. But in many poorer countries lacking the same protocols? Even now, the situation remains what many call so "dire" that an estimated 14 percent of affected fetuses are stillborn and a full 50 percent of live births end in death or brain injury, according to a scientific paper published in 2010 by leading medical experts.

That's why in February 2018, as part of the celebration of the 50th anniversary of the FDA's approval, Kedrion Biopharma, which makes RhoGAM, and Columbia University Irving Medical Center, which developed it, hosted a panel discussion to map strategies for getting the medicine to the rest of the world.

"The view ahead should be bright for all women, their partners, and their families around the globe," declared Paolo Marcucci, chief executive officer at Kedrion Biopharma.

In addition, a series of upcoming events throughout the year will encourage Rh-negative women to donate blood plasma to be used in the ongoing manufacture of RhoGAM by Kedrion Biopharma.

 

Important Safety Information 

RhoGAM should NOT be used if you are Rh-positive.

Be sure to tell your healthcare provider about all your medical conditions, including:

* If you have known severe allergic reactions or a severe response to human immune globulin.

* If you have experienced a serious reaction to other medicines that contain immune globulin.

* If you have an immunoglobulin A (IgA) deficiency. RhoGAM contain a small quantity of IgA and there is a potential risk of an allergic reaction in IgA-deficient individuals. Ask your healthcare provider if you are not sure.

* Your recent history of vaccinations. Certain types of vaccines (ones containing a live virus) may not work as well for you if you are also receiving immune globulin products, like RhoGAM. The antibodies in RhoGAM may prevent the vaccine from working. Before you get a vaccine, tell your healthcare provider that you have received RhoGAM.

RhoGAM is made from human blood and therefore, carries a risk of transmitting infectious agents, such as viruses, the agent of the variant Creutzfeldt-Jakob disease (vCJD), or unknown infectious agents. You should consult with your healthcare provider if you have any questions or concerns.

Reactions to RhoGAM that affect the entire body are extremely rare. However allergic responses to RhoGAM may occur. You should be observed for at least 20 minutes after administration for early signs of an allergic reaction. Signs and symptoms of an allergic reaction include itchy rash (hives), tightness of the chest, wheezing, low blood pressure and anaphylaxis (which may also include throat or tongue swelling, shortness of breath, vomiting, hives and/or lightheadedness).

The most common side effects of RhoGAM are swelling, hardening, redness, and mild pain at the site of the injection. A small number of patients have noted a slight fever.

Your healthcare provider should provide you with a completed Patient Identification Card for you to retain and present to other healthcare providers.

You are encouraged to report adverse events of prescription drugs to the FDA.Visit www.fda.gov/Safety/MedWatch or call 1-800-FDA-1088.

Click here for the RhoGAM Full Prescribing Information.

 

Reduce Risk of Gum Disease With This Easy Rinse

Turns out they know what they're talking about.

According to the Centers for Disease Control and Prevention (CDC) nearly half of American adults aged 30 years and older (47.2 percent) suffer from some form of gum disease.

Gum disease, also known as periodontal disease, is one of the main threats to dental health, but maintaining a healthy mouth goes beyond the benefits of a bright smile.

Gum disease is a chronic, inflammatory condition, and recent studies suggest that gum disease and tooth decay may be associated with an increased risk of other inflammatory conditions, including heart attacks and strokes if left untreated.

The CDC describes common warning signs of gum disease, including bad breath, gums that are red, swollen, bleeding, or tender; pain when chewing; loose or sensitive teeth; receding gums; change in bite; and change in the fit of partial dentures. Additional factors that increase the risk of gum disease include smoking, diabetes, stress, and poor oral hygiene.

That said, most people can improve their dental hygiene and reduce their risk for developing gum disease by following a few simple steps:

- Brush. Brush your teeth twice daily with a fluoride toothpaste. Pick a toothbrush style that fits your mouth and feels comfortable, and you will be more likely to use it. If your teeth are sensitive or you want them to be whiter, look around; there's a toothpaste for that.

- Floss. Floss your teeth once a day. Dental floss is available in a variety of widths and thicknesses, although some people prefer disposable flossers, which are often easier for children to use.

- Rinse. Oral rinses play an important role in a dental health routine. Gum disease is caused by bacteria, but an oral rinse formulated with bacteria-targeting ingredients can help keep gum disease at bay.

Healthy Gums Oral Rinse from TheraBreath contains cetylpyridinium chloride, an ingredient approved by the FDA and clinically proven to kill the germs linked to gum disease.

"Gum disease is more serious than people think. It starts out with just bleeding and sensitive gums, but in its advanced stages, it can cause tooth loss," says Dr. Harold Katz, founder and chief researcher for TheraBreath.

For more information about keeping your mouth healthy and reducing your risk of gum disease, go to therabreathhealthygums.com.

Healthy Gums Oral Rinse fromTheraBreath is available at Walmart.

 

Life’s Biggest Moments Take Center Stage in New UP TV Series

The series, "Our Wedding Story," takes viewers inside the relationships between the brides and grooms. With exceptional and cinematic storytelling, viewers will get to live each couple's love story - from the moment they met to the walk down the aisle.

In "Crazy Beautiful Weddings," viewers go behind the scenes with busy wedding planner Lynzie Kent. Wedding planning is an art and a science, and Ms. Kent brings her style and people skills as she navigates diverse tastes, the couples' visions and various venues, to create one-of-a-kind celebrations for her clients that will make the big day something to remember.

"On UP, our viewers have seen the families in our beloved series exploring new relationships, planning weddings and having kids," Amy Winter, executive vice present and general manager of UP TV, says in a statement announcing the shows.

"By greenlighting new series that focus on those specific life moments, we invite our audience to experience all of the joy and excitement that many different couples are going through as they share their personal journeys of life's biggest moments," she says.

The pair of wedding programs complement new episodes of two existing shows that highlight another one of life's biggest moments - the journey to parenthood.

This spring, UP premieres new episodes of its groundbreaking series, "Expecting," which follows expectant parents as they prepare for a new addition to the family. With no producers or camera crews, it is the first show that asks couples to turn the lens on themselves, to give the audience a peek into one of life's most exciting and personal journeys - welcoming a child.

Also premiering in April is "One Born Every Minute." The series takes viewers inside a hospital maternity unit to experience the joy, excitement and drama as babies are delivered.

UP is available on DIRECTV, DISH, Verizon Fios, AT&T U-verse, Xfinity and local cable. For more information about the family-friendly programming and where you can find the channel, go to UPtv.com.

To find more details on social media, check out UP TV on Facebook at https://www.facebook.com/Uptv, on Twitter on @Uptv, and on Instagram at UP_TV.

Road Trippin’! Summer Travel Means Hitting The Open Highway

As the summer of 2018 kicks off, consider this: 68 percent of Americans are likely to go on vacation, and 85 percent of them will travel by car, based on data from a recent online survey of approximately 1,500 adults.

While aspects of a road trip may be daunting, a majority of these travelers acknowledge that getting there is half the fun: 24 percent strongly agree, and 45 percent somewhat agree that getting to a vacation spot is often as enjoyable as being there.

If you've ever wondered what goes on inside the car during a road trip, read on.

A survey conducted by NACS, a trade association representing the convenience-store industry, reveals that most passengers want to be social: just over 60 percent report that they enjoy talking with fellow passengers and almost 80 percent cite listening together to music, podcasts, or audio books as favorite activities.

However, when it's time to take a break, disagreements can arise, especially when it comes to meals and snacks. A convenience-store stop can be a simple solution.

Today's convenience stores offer more than just gas and restrooms. Many serve a range of hot-meal options such as pizza and burgers, as well as customizable sandwiches, coffee, drinks, and smoothies, so passengers and drivers of every age and taste can find something to satisfy them.

The NACS survey results show that the top three reasons for breaks during summer road trips are to:

* Use the bathroom (96 percent).

* Get gas (95 percent).

* Buy food or drinks (91 percent).

"There's only one place that can satisfy all three of the top reasons for stopping during a road trip: a convenience store," says Jeff Lenard, NACS vice president of strategic industry initiatives.

"From restrooms and fuel pumps to indulgent snacks and healthy options, you can stop once and make everyone happy. And that can certainly make a road trip more fun."

However, regular breaks are an important part of road trips for safety as well as for practical reasons.

Drivers need a quick and easy place to stand up and stretch, or to allow someone else to take the wheel. Kids get antsy and need to stretch, too - according to the NACS survey, approximately 45 percent of the in-car disagreements during road trips center on children fidgeting or arguing.

Convenience stores provide all the services needed for long or short road-trip breaks in a safe, predictable environment.

Many convenience stores offer easy access from major roads, so there's no struggle or lost time navigating to an unknown spot without any sense of the services available. Convenience stores offer clean, well-lit rest stops for single drivers, groups of friends, older adults, and families with children.

Visit convenience.org/more for additional information about what convenience stores offer and how they can help make summer road trips smooth, safe, and enjoyable.

 

Coupling Finances: What All Newlyweds Should Know

It's a catchphrase that's been described as perhaps the first "I do" for newlyweds, and it's especially relevant as we head into wedding season. Because as much as you may think no two people have ever been more in love than you are - hey, look at the size of that engagement ring! - the truth is that it could be less than smooth sailing ahead if you're not on the same page when it comes to financial matters.

"Couples have a very hard time talking about money," Joan Atwood, a Hofstra University professor of marriage and family therapy bemoaned on an NPR "Money Coach" segment on the issue. "I would say it's the last taboo."

Ready to break it? Read on.

* Set common goals. You probably discussed this in a dreamy sort of way while dating. You know, a large house with a swimming pool ... yearly vacations. But turning those reveries into reality requires habitually saving to pay for them and finance your later retirement years - not to mention deciding whether both partners contribute equally or based on salaries.

"The median ages for brides and grooms are 29 and 31, respectively, these days," said Andrew Peterson, a vice president at Fidelity Investments (fidelity.com). "So while people may come into a marriage with their own assets, they need to take some time after the wedding to sit down and start getting organized as a couple."

* Be transparent. There's no law that says you have to put all your cash into a joint savings account - some couples do, some don't - but at the very least you'd be "less than truthful" by not divulging any outstanding debts. And then figuring out, together, how to pay them down.

* Safely store your information. Quick: What's your new spouse's Social Security number? And what other vital information don't you know if a sudden need arises?

Exactly.

To truly mark your financial coupling, you might consider using an online service like FidSafe.com that lets you store, access and share all your new family's important records and documents anywhere via a web browser or iOS app.

Not only is it free and simple to use with handy checklists, but even before it was officially introduced two years ago by Fidelity - Get it? "Fid Safe" - Barron's magazine gave the service five stars for being what it called "the first cloud-based safe deposit box we've seen that's secure enough to organize everything from financial statements, insurance policies, and real estate records to a will, IRA benefits, and even passwords."

"With all the other things on their to-do lists, newlyweds typically don't focus on all the important financial and other documents they need to begin married life on a solid footing," said Peterson. "This makes things easier for them from the start, as well as through the years as they have even more joint documents to retain - including those related to perhaps buying a house and having children."

You get up to 5GB of storage, which leaves plenty of space left over once you download your new marriage license and the receipt for that engagement ring.

* Investigate this option. Do you both get health insurance through your employer? Congrats. You may have just saved yourselves some money if it works out it's less expensive for one of you to be on the other's plan rather than pay for both.

 

Can Capitalism Be Compassionate?

In his recent book, "Broken Capitalism: This is How We Fix it," Ferris Eanfar explains the state of the global economy and its key problems in a straightforward, accessible style.

"When the 10 largest corporations on Earth have more combined economic power than 92 percent of all countries on Earth combined, the 50 largest financial corporations control wealth equal to 90 percent of Earth's GDP [gross domestic product], the richest 1 percent of humans have more wealth than 99 percent of the world combined, and the eight richest humans have more wealth than the bottom 50 percent of Earth's entire population combined . . . it's safe to say humanity is in trouble," Mr. Eanfar says.

Mr. Eanfar's work is based on over 20 years of unique experience in economics, financial technologies ("FinTech"), blockchain/cryptocurrency development, artificial intelligence, and military and government affairs.

Three key points in the book deal with issues of defining value, following a vision, and managing innovation.

Value: Mr. Eanfar notes that money is not value itself; it represents value. Rather than focusing on money alone, he advises organizations to focus on theway value flows through their stakeholder ecosystems, which benefits all parties in the long run.

Vision: "In business and in life, having 'vision' is about accurately assessing current reality, defining steps to achieve specific goals, and building a bridge between vision and reality based on discipline and effective execution," says Eanfar.

Innovation: Artificial intelligence, cryptocurrency, and other technological innovations can be used for good or ill. Mr. Eanfar dedicates a chapter of the book to the impact of artificial intelligence [AI] on government and the economy.

"When lightning-fast A.I. controls the political and economic apparatus of countries through their automated manipulation of social media and web-based information channels, humans won't be able to easily differentiate between policy outcomes that serve their interests and policy outcomes that serve those who control the A.I. and their political patrons in the government," he says.

For more information about the book, visit: https://Eanfar.org

Mr. Eanfar is also on Twitter: https://twitter.com/FerrisEanfar (@FerrisEanfar)

All book sales proceeds support the nonprofit AngelPay Foundation: https://AngelPayHQ.org

Summertime Boating Safety Tips for Families

The fun might include boating and other watersports, such as tubing, skiing, or wakeboarding. Preparation and education are the keys to a safe and successful day on the water. So get the summer off to a great start by making sure passengers of all ages have well-fitted lifejackets and understand safety procedures.

When fitting a child's lifejacket, be sure to select the current size. Don't put a child in an adult lifejacket or buy one in a larger size for a child to grow into. Rather, put the jacket on the child and buckle and secure all straps. Then lift the child's arm up over his or her head and pull up on the jacket. If it slips off, it's too big.

BoatUS offers a helpful video to show correct fit on their website, BoatUS.org/fit-video.

If you don't own a lifejacket and aren't prepared to buy one, borrow one from a friend or neighbor, or borrow one for free through the BoatUS Foundation Kids Life Jacket Loaner program. Find information about their 550 locations at BoatUS.org/life-jacket-loaner.

Be sure a child or anyone else riding behind a boat not only wears a lifejacket, but also knows the hand signals to communicate with the boat driver while being towed.

The following hand signals and rules of the water will ensure that everyone has fun and stays safe:

* If the speed is right, use an OK sign with your thumb and first finger.

* If you want the driver to go faster, use a thumbs up; to slow down, use a thumbs down; and use a slashing motion across your neck to stop.

* If you fall off, raise both arms above your head and clasp your hands as soon as possible to let the boat driver know you are okay.

Find more signals at BoatUS.com/hand-signals.

* While waiting in the water, ready to be pulled or towed again, be patient and allow the boat captain a little time to safely deliver the towline or tube to you.

* If you decide to come back aboard, the driver will allow the boat to drift to you with the engine off. When reboarding, use a step, deck, or boarding ladder only after the boat driver has signaled that it is safe to get back in the boat.

* Never swim near a boat while the engine is on.

Visit BoatUS.org for more information about staying safe on the water this summer. Stay hydrated, wear sunscreen, and have fun!

 

The Latest Job Benefit Helps Employees Pay Off Student Debt

A company car? (How Boomer-like of you.) A 401(k) plan? (Pretty common these days.)

With Millennials now comprising the largest share of the workforce, a growing number of companies are betting that offering to help pay off student debt is the next game-changer when it comes to attracting and retaining the best and brightest.

It's not a bad wager. Total education debt stood at a staggering $1.52 trillion at the end of March. And while the perk is by no means reserved only for Millennials - hey, even 4 percent of those 45 and older are still in the hole, according to the Pew Research Center - it's not lost on anyone that the average student loan borrower will have graduated this year saddled with more than $37,000 in debt.

"It stood at about $600 billion 10 years ago," MarketWatch.com reported.

One of the companies facilitating the new benefit is the same one - Fidelity Investments - that already handles millions of workers' 401(k) plans. Businesses enrolled in its Student Debt Employer Contribution program are able to make after-tax contributions on their employees' outstanding student loans, setting their own parameters as to "who" and "how much" with the help of a modeling tool for estimating their potential recruitment and retention cost savings.

"This is a new and relevant benefit that gives companies a competitive advantage to hire top talent," said Asha Srikantiah, vice president of emerging products at Fidelity (fidelity.com), noting that the average contribution for most companies is about $100 a month, although it can be as high as $800 monthly in some cases. "It also enables employees to pay off their debt faster, which in turn allows them to focus on other priorities - including buying a home, raising a family, and saving for retirement."

Among the "early adopters" Fidelity says it's teaming up with to offer the benefit: tech giant Hewlett Packard Enterprise; the rail industry's New York Air Brake; financial firms Millennium Trust and OCC (The Options Clearing Corporation); and Ariel Corporation, the world's largest manufacturer of separable reciprocating gas compressors used in the global natural gas business.

In fact, more than just being a "facilitator" for others, Fidelity helped trail blaze this brave new world by having begun offering its own employees a student debt program back in 2016. To date, more than 8,900 of its workers have received the benefit, paid directly to their loan service provider, with some pretty impressive numbers to show for it: a total of $22.5 million in savings on principal and interest, and 34,625 years of loan payments shaved off.

The company is also taking what it calls "a holistic approach" to the student debt issue by offering open access to its website's Pre-College Planning Resources, which can help avoid the pitfalls of incurring too much debt, and its Student Debt Tool that lets individuals view all their student loans and repayment options in one place.

A deal recently inked with student debt refinancing platform Credible.com now also integrates student debt refinancing into the Student Debt Tool, allowing employees enrolled in the program to receive actual pre-qualified rates from more than 10 refinancing lenders without affecting their credit scores.

"The idea is to help more Americans take control of their debt so they can better save and invest for the futures," said Stephen Dash, Credible's founder and CEO.

 

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