Tips On Saving Time/Money This Tax Season

(NAPSI)—Tax season is upon us, and you should have received all the documents needed to file your taxes and (hopefully) get a refund. To help reduce the stress that comes with filing taxes, Glinda

F

inancial expert

Glinda Bridgforth

Bridgforth, a leading financial expert who explores the emotional and cultural factors that block financial success, identifies a few ways to save time and money this tax season:

1.    Get organized.

Whether you visit a tax professional or do it yourself, gather all documents ahead of time, such as your employer W-2s and any 1099 forms you may receive for interest income, retirement plans, or gig work such as driving for Uber. Don’t forget to check your online accounts where you might need to download tax documents.

“Avoid the panic and stress that comes from disorganization,” says Bridgforth. “Also, look at last year’s return, which can serve as a good guide.”

2.    Start (and finish) early.

Don’t wait until April. Starting the process early will let you get organized, and have more time if you need it. Filing early will not only help you get your refund faster, it may also help you avoid tax-related identity theft since you will already have filed using your own Social Security number before someone else tries to. Speaking of identity theft…

3.    Watch out for scams.

Where there’s money there’s a con, and criminals have become very good at exploiting tax season. Be wary of threatening phone calls from “IRS agents” and phishing e-mails “from the IRS” seeking your personal information. Also, while all tax preparers and DIY websites aim to minimize taxes and maximize refunds, beware of promises for more than your fair share. Unscrupulous “tax preparers” entice unsuspecting taxpayers with hopes of a high refund, only for them to lose it all. The IRS just launched “Identity Theft Central” (IRS.gov/identitytheft) to help taxpayers report identity theft and learn how to protect themselves against crimes.

4.    Get all your tax breaks.

Did you get married? Have children? Change jobs? Take all the deductions you deserve.

“Even if nothing has changed in your life, you may have missed credits in the past that you’re entitled to,” notes Bridgforth. “For example, according to the IRS, one in every five eligible workers fails to claim the Earned Income Tax Credit (EITC).”

If you find out you qualify for the EITC this year and didn’t claim it in the past, you can even file amended returns for 2016, 2017, or 2018. The IRS provides a wealth of this type of information online at IRS.gov/eitc.

5.    Look for tax prep discounts and promotions, then use direct deposit.

The full service tax prep companies, as well as the DIY websites, are competing for your business, so be sure to shop around and look for coupons or rebates to find the best deal. Many free options are also available to those who qualify. Just go to IRS.gov/freefile to check eligibility.

And for the fastest and most secure delivery of your tax refund, opt for direct deposit instead of a check.

“If you don’t have or don’t qualify for a traditional branch bank account, there are new digital options to consider,” says Bridgforth. “Several FDIC-insured digital bank accounts and prepaid debit cards are available to open online or on your mobile phone, such as Green Dot Bank’s Unlimited Cash Back Bank Account, or Intuit’s Turbo Card prepaid debit card for those who use TurboTax.”

In addition, if you direct deposit your federal tax refund into your Green Dot account, not only will you get it faster, you’ll be entered in the Green Dot Extreme Tax Sweepstakes for a chance to win one of fifty $1,000 prizes. Details and official rules can be found at

greendot.com/ExtremeTax

.

Tabernacle Fire Co. Receives Grant from SJ Gas

TABERNACLE, NJ (February 18, 2020)—-South Jersey Gas recently presented a $4,681 grant to Tabernacle Fire Company No. 1 as part of its First Responders Grant Program. Pictured, from left, is Lauren Hurtt, Supervisor of Government Affairs with South Jersey Gas presenting the check to Kate Holden, Al Freeman and Chief Andy Cunard of Tabernacle Fire Company No. 1.

The grant funds, awarded in late-2019, were used by the fire company to purchase a thermal imaging camera and two gas detection meters.

“Our First Responders Grant Program provides crucial financial assistance to support operations, improve safety and provide training to departments throughout the South Jersey region,” said Dave Robbins, president of South Jersey Gas. “Through this investment, South Jersey Gas can help hardworking, courageous first responders and express gratitude for the work they do each day to ensure our communities remain safe. We are proud to partner with Tabernacle Fire Company No. 1 and commend them for their efforts.”

The thermal imaging camera and gas detection meters are vital safety tools that will aid the fire company in various situations. Thermal imaging cameras greatly enhance search and rescue capabilities in zero visibility environments, and gas detection meters gauge the levels of various types of gas, alerting the crew to atmospheric hazards so they can react accordingly.

The First Responder Grant Program will be offered again in November 2020. Program information and eligibility guidelines are available at southjerseygas.com/community.

79-Year-Old Man Pleads Guilty to Stealing Millions from Moorestown Employer

MOUNT HOLLY, NJ (February 19, 2020)–Burlington County Prosecutor Scott Coffina announced that a 79-year-old Hainesport man pled guilty today in

Superior Court to stealing more than $2.5 million over a 14-year period from the Moorestown company where he was employed as an accounting manager.

Under an agreement with the Prosecutor’s Office, Charles Esposito pled guilty to Theft by Deception (Second Degree) and Failure to Pay State Income Taxes (Third Degree) in exchange for an aggregate seven-year sentence in New Jersey state prison. The Hon. Christopher J. Garrenger, J.S.C., scheduled sentencing for September 11.

Esposito has already repaid more than $190,000 of the stolen funds, but still must make restitution in the amount of $2,328,516.44. He must also file several years of amended state and federal income tax returns.

Officials at the company, Oldcastle BuildingEnvelope, began to investigate in April 2019 after concerns were raised about a hand-written check for $18,500 that had been signed by the defendant and contained another signature that appeared to have been forged.

The ensuing investigation revealed that Esposito was able to circumvent Oldcastle BuildingEnvelope’s accounting systems, namely the check issuance and invoice procedures, to divert more than $2.5 million for his personal gain. He is accused of conducting 243 fraudulent transactions between 2005 and April 2019.

Esposito is being prosecuted by Assistant Prosecutor Andrew R. McDonnell, supervisor of the BCPO Financial Crimes Unit. The investigation was conducted by the Moorestown Township Police Department and the BCPO Financial Crimes Unit, with assistance from the New Jersey Division of Taxation. The lead investigator was Moorestown Township Police Detective Donald Brauckmann.

The Father of the Boy Who Shot Himself Charged

Andrew Mack

MOUNT HOLLY, NJ (February 19, 2020)–Burlington County Prosecutor Scott Coffina and Pemberton Township Police Chief David H. Jantas announced that the father of a 4-year-old boy who died earlier this month from an accidental self-inflicted gunshot wound in the family’s Browns Mills home has been charged in connection with the death.

Andrew Mack, 31, was charged with Endangering the Welfare of a Child (Second Degree) and Storage of Firearms if Minors May Have Access (Disorderly Persons).

Mack is scheduled for a first appearance in Superior Court in Mount Holly tomorrow afternoon. The case will then be prepared for presentation to a Burlington County Grand Jury for possible indictment.

Emergency medical technicians and officers from the Pemberton Township Police Department were called to the family’s home on Maricopa Trail just after 7 p.m. on February 7 and discovered Lincoln Mack with a gunshot wound to his cheek. He was transported to Capital Health at Deborah – Emergency Services, where he was pronounced dead at approximately 8 p.m.

The investigation revealed that Andrew Mack was asleep in a bedroom with a loaded 9mm handgun next to him on the bed when Lincoln came into the room and took the firearm. Lincoln then went into another room where he had been playing with this younger sister and shot himself in the face.

“The death of Lincoln Mack was a tragedy, and it was made all the worse by the fact that it was entirely avoidable,” Prosecutor Coffina said. “Our deepest sympathies are with the Mack family and all of those who loved Lincoln, however, the defendant must be held accountable for not securing his firearm.”

Both of Lincoln’s parents were inside the home at the time of the shooting, as were two siblings.

The incident was investigated by detectives from the Burlington County Prosecutor’s Office and the Pemberton Township Police Department. The lead investigators are BCPO Det. Erica Ridge and Pemberton Township Police Detective Tom Lucas.

All persons are considered innocent until proven guilty in a court of law.

GOV. WOLF CALLS FOR BAN ON ALL GHOST GUNS

By Dave Fidlin |

The Center Square

HARRISBURG PA–A Pennsylvania policy less than a month old pertaining to the background requirements needed in the sale of so-called ghost guns remains on ice following a state judge’s recent ruling.

Judge Kevin Brobson of the Commonwealth Court issued a preliminary injunction Jan. 31 to state police on selling partially manufactured gun frames after reviewing a case filed by four petitioners: Firearms Policy Coalition, Landmark Firearms, Polymer80 and U.S. Rifle.

“The crux of this case is a perceived change in the Pennsylvania State Police’s interpretation of the term ‘firearm’ within the context of the Uniform Firearms Act,” Brobson wrote in

a memorandum opinion

.

Democratic Gov. Tom Wolf, meanwhile, called for an outright ban on ghost guns in his budget proposal unveiled this week, along with a host of

other gun control measures

.

“I know there is no law that can eliminate every act of gun violence,” Wolf said during his budget address. “But the steps I\’m proposing are supported by the evidence and supported by the vast majority of Pennsylvanians. We can pass them tomorrow.\”

Brobson, throughout his 17-page analysis, expressed concern with the state police’s policy around the partially manufactured gun frames, which have been used to make actual rifles and pistols.

The injunction came weeks after state policy issued guidance to gun dealers on how background checks should be performed when sales of ghost guns are transacted. The devices are also referred to at times as 80-percent receivers because they are near, but not at, completion.

Brobson in his opinion said he agreed with the petitioners’ assertions the state police policy, as written, is ambiguous.

“Petitioners have taken the stance that their unfinished receivers do not meet the (Uniform Firearms Act’s) definition of firearm,” Brobson wrote. “Some level of additional effort – e.g. drilling, filing, sawing, etc. – is required for these unfinished receivers to become fully functioning receivers.”

In rendering his decision, Brobson in his opinion also said he looked at the state police’s interpretation of the term “firearm” against the backdrop of the UFA.

“In general, the UFA defines a firearm as ‘any weapon, which is designed to or may readily be converted to expel any projectile by the action of an explosive or the frame or receiver of any such weapon,’” Brobson wrote.

He added, “While, at first blush, this may appear straightforward, the UFA does not contain definitions of the terms ‘frame or receiver,’ ‘designed to’ or ‘may readily be converted to.’”

Brobson’s injunction is the latest in a series of legal maneuvers that have tested the definition of what constitutes a firearm.

In December, Attorney Gen. Josh Shapiro, a Democrat, gave his own legal opinion on the ghost guns policy, giving state police the authority to develop a policy for background checks.

In his opinion, Shapiro stated in his legal guidance ghost guns could be viewed as firearms because the unassembled frames could eventually lead to the outcome of an actual firearm through such actions as expelling a projectile.

With Shapiro’s guidance in play, state police adopted their policy, which called for the gun dealers to use the state’s gun-purchase background check system for the ghost gun sales, in lieu of an alternate online system.

published by The Gloucestercitynews.net with permission of

The Center Square

Diocese of Camden Food Drive March 22

Event details

March 22, 2020

All Day

Here in South Jersey, 1 in 6 people, and 1 in 5 children, suffer from food insecurity, which means they might not know where their next meal is coming from. In response, the Diocese of Camden organizes  the annual FaithFULL Food Drive.

Low-Life Hoodlums Throw Fireworks at Home of 94-Year-Old Brooklawn Resident

Fireworks explode in front of  Yvonne Spadora\’s home in the 100 unit block of Chestnut Street, Brooklawn. According to police the fireworks were thrown from two moving vehicles. (image courtesy of

FoxNews29)

by CNBNews Staff

BROOKLAWN, NJ–(February 19, 2020)–Long-time Brooklawn resident

Yvonne

Spadora was the victim of mean spirited hoodlums, according to

FoxNews 29 report

.

Surveillance video (see below) shows two explosions outside of Mrs. Spadora around 10PM Saturday, February 15. The  94-year-old woman, who was asleep at the time of the incident, has lived in her Brooklawn

residence

since 1957.

According to police, the fireworks were thrown from two moving cars.

Brooklawn police said the explosions started a fire in a bush outside of Spadora\’s home. Police woke up Spadora as a neighbor used a hose to put out the fire.

“After I knocked on the door, it was hard for her to even get to the door, so if the house caught on fire God forbid anything could have happened to her. We were just seconds away from a catastrophe,\” Brooklawn Police investigator Raymond McKenney said.

Police said they think one of the cars is a dark color Dodge Charger. Police don\’t believe Spadora was targeted.

If you have any information, please contact investigator Mckenney at 856-456-0750, ext. 171 or email rmckenney@brooklawnpolice.com Tips may also be submitted anonymously at 856-456-0750, ext. 180 or via email at tips@brooklawnpolice.com.

TO VIEW SECOND VIDEO CLICK HERE

Treatment in a FLASH

Milo, a 4-year-old Saint Bernard, participated in the FLASH trial. “I think that we greatly underestimate the excitement of pet owners to be involved in research and to be able to contribute to a project like this,” says Penn Vet surgeon Jennifer Huck, who is co-leading the effort with Penn Medicine’s Keith Cengel, a radiation oncologist. (Image: Courtesy of the Gordon family)

Radiation therapy to treat cancer can be grueling, requiring consecutive days of therapy over days or weeks.

Dr. Keith Cengel

\”When you talk to patients about coming in for 35 treatments, or seven weeks of daily therapy, usually their face kind of sags in disappointment or perhaps apprehension,” says

Keith Cengel

, a radiation oncologist at Penn’s

Perelman School of Medicine

.

That’s why the promise of what’s known as FLASH radiation therapy, in which a full dose of radiation is given in less than a second, is so great.

But FLASH remains in its infancy, with researchers still unsure about how the all-in-one-go approach stacks up against traditional methods. To test its effectiveness at killing cancer cells and sparing normal cells, researchers from Penn Medicine and Penn’s

School of Veterinary Medicine

are pairing their expertise in a clinical trial applying the cutting edge of human medicine in dogs.

Dr. Jennifer Huck

“From a veterinary standpoint, this is a type of radiation that is still very, very new in human medicine,” says

Jennifer Huck

, a veterinary surgeon at Penn Vet who is partnering with Cengel on the trial. “So there’s a lot of excitement in the veterinary realm about this.”

In the trial, dogs with osteosarcoma, a form of bone cancer that people, especially children, can also develop, receive the FLASH radiation. They then go on to receive the standard of care for osteosarcoma, which entails amputating the affected limb and, in some cases, at the owners’ and veterinarian’s discretion, following up with chemotherapy to slow the growth of microscopic disease in other areas of the body that may already be present at the time of diagnosis.

The study is not designed to confer a direct benefit to the dogs enrolled, though the clinicians aren’t ruling out that possibility. The main intent, they say, is to understand what’s happening to the cells and tissues—both cancerous and normal—that the therapy targets. In labs both at Penn Medicine and Penn Vet, researchers are studying samples from the amputated limb to assess the effects of the treatment.

“We’re looking at gene expression profiling, markers of cell death and cell division, and analyzing immune cell populations to just get a survey of what the tumor and normal tissue look like,” says Cengel.

The work is moving quickly. The project aims to enroll 20 dogs. The researchers started late in 2019 and have already treated seven. Several more await treatment or evaluation.

The FLASH trial is making use of a dedicated space for conducting research into novel uses of radiation for treating disease.

(Image: Penn Medicine)

“I think that we greatly underestimate the excitement of pet owners to be involved in research and to be able to contribute to a project like this,” says Huck. “The treatment that their pet receives is ultimately no different from any other standard of care that we would offer to any pet that comes in with osteosarcoma, whether they’re on the study or not, so I think that also gives them comfort.”

Learning from Milo

Four-year-old Milo, a leggy Saint Bernard, is one such participant. Owner Tim Gordon describes him as “perfect.”

“He’s a great dog, great with the kids, great with our other dog,” Gordon says. “He’s adjusted to everything we’ve thrown at him.”

Starting around Thanksgiving, however, the family, which includes Tim’s wife, Trista, and their 8-year-old son and 11-year-old daughter, could tell Milo was feeling out of sorts.

“We noticed he was limping around a bit and being really lethargic,” says Gordon. At first they attributed his behavior to the influx of guests they had around the holiday. Then they started to worry about hip dysplasia. But in early December, Gordon’s 8-year-old son noticed a bulge in Milo’s leg near his paw.

The family brought their pet to the veterinarian expecting to learn he had a sprain or even a broken bone, but a graver diagnosis came back: osteosarcoma. Wanting to participate in a clinical trial, the family made several trips to Penn Vet from their home near Baltimore to get him evaluated and then for the radiation, limb removal surgery, and follow up.

Not only did participating in the clinical trial help the Gordons cover some of the costs of treatment, but they also appreciated the opportunity to contribute to studies that may advance cancer treatment.

“That kept us going,” says Trista Gordon. “Even my daughter kept saying that Milo could help other dogs or even children who have this disease. That eased her sadness in a way.”

That was especially resonant since Tim Gordon lost his mother to osteosarcoma. “I knew what we went through with my mom and what she went through,” he says. “The thought definitely went through our minds that maybe we can help benefit other families by participating.”

Advancing medicine

The goal of radiation therapy, like all cancer-killing strategies, is to unleash a strong assault on tumor cells while sparing normal cells as much as possible. And while researchers have tweaked other facets of radiation, such as how it is aimed and how the dose is fractionated, or spread over days or weeks, it’s only very recently that the FLASH approach has opened the possibility of giving a full dose all at once.

Traditional radiation therapy uses the energy of photons, or X-rays, to kill cancer cells. Early work with FLASH radiation has used electrons to deliver that energy, but those can only penetrate tumors that are a few centimeters deep.

In January, Cengel and Penn Medicine colleagues including

Constantinos Koumenis

and

James Metz

reported on FLASH radiation using protons

, which can penetrate deeper than electrons to allow treatment of the vast majority of human tumors by beaming in radiation from outside the body to target tumors and to spare normal tissues.

“Our initial results are very promising that FLASH proton radiotherapy may improve outcomes significantly. However, even if this approach isn’t more effective or less toxic than what we have been doing,” says Cengel, “if we end up with exactly the same results but with a single treatment, it is still tremendously beneficial in terms of the patient experience.”

Provided the dog trial goes well, Huck and Cengel hope to continue working quickly to translate their findings to benefit more patients, both human and canine.

And while a diagnosis of cancer and subsequent treatment is never easy, the Gordon family is grateful for how well Milo is doing.

“Each day he’s surpassing our expectations, honestly,” says Trista Gordon. “He’s getting back to his playful self.”

Keith Cengel is an associate professor of radiation oncology at the University of Pennsylvania.

Jennifer Huck is an assistant professor of clinical surgery at the University of Pennsylvania School of Veterinary Medicine.

Lessons Learned by Cape Town’s Day Zero

(Gloucestercitynews.net)(February 18, 2020)–“Day Zero” is the now infamous term used to describe an emergency plan put forth by the leadership of the city of Cape Town, South Africa during the worst recorded drought in over a century. In mid-2017, several factors contributed to Cape Town’s water supply reaching dangerously low levels.

Day Zero, if it was ever implemented, would have meant barring the water supply from public use so that it could be rationed daily. Until the city’s dams naturally replenished, Day Zero could have destroyed Cape Town’s buzzing tourist industry and its inhabitants’ way of life.

Water queues and widespread shortages were a reality that many businesses and civilians in Cape Town were very close to facing.

Knowing the causes of

Cape Town’s Day Zero

and why it never happened can teach us about the resilience and resourcefulness of the leadership and people of Cape Town. Additionally, observing their conservation efforts can help us progress in our own.

What caused Day Zero?

By 2017, Cape Town had experienced a population growth rate of almost 50%, according to its

census data

. However, the water storage capacity for the city had only increased by 15% over that same amount of time.

The widening gap between how much water was being pulled from the reserves and how much was being replenished created a situation where Cape Town’s supply was vulnerable to environmental disasters. New dams could not be built fast enough to offset the rising water usage in the city and the dearth of rainfall.

This disaster came subtly, in the form of record low rainfall in 2015, coupled with increased water usage by the people of the city owing to the population. As the reserves continued to drop, by mid-2017 Day Zero became the name of the plan that the city would have had to initiate if the water levels in the main storage dams reached below 13.5%.

Preventing Day Zero

The worst water crisis in modern history would have entailed daily water queues and rations, strict conservation of all public utilities, and reconstruction of the major waterways. No city has ever undertaken the depth of control that Day Zero would have required of Cape Town’s civilian and tourist population.

Thankfully, Cape Town reversely proved its resilience in the face of disaster by pushing Day Zero back continuously until it was postponed indefinitely in early 2018.

Thanks to water usage education initiatives distributed by the Cape Town city departments, the population got immediately on board with the effort to conserve the dangerously low water stores. The diligence and conscientiousness of the people lowered water usage by 50% by rationing showers, limiting water-based hygiene, and eliminating water usage for recreation.

Today, according to the

Cape Town website

, the city’s dams are holding at 70.3% of their reserve capacity. This makes Day Zero well out of the realm of possibility for the time being.

Effects of the Water Crisis

The businesses, tourists, industry professionals, leadership, and population of Cape Town rallied together to save their water supply. Today, the result is a much more environmentally cognizant city infrastructure. Their waterways have been refined for efficiency and their drainage and water recreation facilities have been modernized.

Not every city could reform its habits so quickly. The Cape Water Strategy is the latest progressive initiative designed to restructure the city’s water usage systems and dam storage capacity to prepare for another future disaster.

With populations growing all over the world, the conservation efforts of Cape Town are a model for any city leadership or population on how to manage a crisis and avoid disaster.

The Takeaway

The possibility of Day Zero happening in Cape Town was a result of stressed resources in a region already environmentally unstable due to population growth, a naturally dry climate, and erratic rainfall patterns. A few issues like a dry spell and a population boom culminated in what could have been the worst water disaster in any developed city in the modern world.

Instead, Cape Town rallied itself around conservation and survived the water shortage. Their concerted efforts to save themselves and their infrastructure are lessons that any city can learn from.

Now, a booming tourist destination and investment opportunity, the productive and resilient city of Cape Town is back to its former glory and then some. Before canceling a visit because of this near disaster, understand what preventing it means for the future of the city: progressively better infrastructure, cognizant people, and productive leadership.

The handling of the water crisis is proof of them all.