Money – Page 4 – mardihumphreys.com

The Most Expensive Gift You Can Give

Are you panicking because you have yet to come up with a gift for your hard-to-buy-for person that won’t bust your budget? Fear not: for behold, I bring you good tidings of great joy, which shall be to all stressed out people. Here are 25 gift ideas that cost more time than money.

Bake cookies – It’s not about the cookies. It’s about spending time together. If you don’t want to make the cookies, then clean up the kitchen afterward. If you don’t want to eat the cookies, drop them off at your local police station, firehouse, or emergency department in appreciation to your first responders
Free labor – Does someone need help painting their living room? Moving to a new residence? Rearranging furniture? Print a gift certificate offering help
Christmas movie marathon – Choose your favorites and watch together. Yes, Die Hard is a Christmas movie
Cooking class – If someone loves to eat a certain meal of yours, take all the ingredients to their kitchen and teach them how to make it
Parades and football all day – Take turns explaining why you think these activities happen on a holiday
Video game tournament – Teach someone how to play your favorite or learn how to play theirs
Love notes – For those whose love language is words of affirmation, write them a paragraph explaining what you love about them
Skill share – You are proficient in Excel, but can’t trim your dog’s toenails. Your brother needs an Excel primer and can trim doggy toenails. Trade tutorials
Brand refresh – Audit their website, proofread their resume, tell them what you like about their LinkedIn profile and what could be improved
Go for a walk/hike – If the weather does not currently permit, issue them an IOU
Holiday lights – Map out a route, take along some hot chocolate and maybe the dog, and drive through local light displays
Volunteer together – Your church and local food bank always need help
Online yoga class – Turn on YouTube and search for “twenty-minute yoga for beginners”
Scavenger hunt – Think Easter egg hunt but with candy canes
Video tribute – Are you good with iMovie or a similar platform? String together some of their favorite photos and set them to music
Playlists – On the music-streaming platform of your choice
Museum visit plan – Some museums are free and some are free on certain days. Spend some time brainstorming where you’d like to go and when
Start learning a language together – set up a schedule to practice with one another
Sit – Create a gift certificate for a few hours of baby, pet, or house-sitting
Photographer – Intentionally document this year’s celebration and send the photos to everyone
Pre-celebration service – Help the host clean house before guests arrive. Or, take their car for a wash and vacuum before their holiday trip
Outdoor service – Create a gift certificate for shoveling the snow off their driveway and sidewalk after the next accumulation
Something to look forward to – Schedule a future 1:1. Coffee date? Church date? Ice Cream date?
Storage – Offer to scan their printed photos and save them on a USB
Give it away – Create a gift certificate to help clean out their closets. After the purge, take the donations to a Goodwill or Salvation Army store and bring back a receipt for their tax purposes

The most expensive gift you can give is your time. You can make more money, but you can’t make more time. Please spend yours wisely. Thank you for the time you spent reading this article. Happy Holidays!

Ho Ho Hold Up

Back in October we saw jack-o-lanterns, cornucopias, and reindeer all sitting together on store shelves. Now that shipping is better, the supply chain is bringing us too many goodies too fast and we feel the fourth quarter holidays all running together. Maybe we should embrace it and create a new holiday: Hallothankmas. It’s not just the holidays that are accelerating. Threat actors are too. Cyber criminals are lying in wait for unsuspecting shoppers who give out their Personally Identifiable Information (PII) faster than mall Santas give out candy canes. If you’re shopping online this holiday season, here are four things you can you do to protect yourself.

Know Where You Are

The number of phony websites increases this time of year. Before entering any payment information, double check the URL you’re using. Is the name of the company spelled correctly? Does it have extra words that you didn’t expect? When you go to the payment page, Is the lock symbol and “https” in the URL?

Legitimate Forms of Payment

Do they want you to pay with cryptocurrency, gift cards, or a wire transfer? These are all untraceable methods of payment. Once you complete a transaction with those forms of payment, you can’t get your money back. Insisting on these ways to pay is a clue that the retailer is a fraud. A scammer reached out to me recently and I had to laugh. I received an email allegedly from my boss instructing me to go out and buy 10 gift cards then reply to the email for further instructions. How did I know it was a scam? I no longer worked for that boss.

You Are a Target

You are bombarded by targeted ads following you from Instagram to Facebook and all platforms in between. Some of those ads are from disreputable companies whose branding tempts you with hard-to-believe deals on popular merchandise. Do not click on those. This is not the time to try an unknown retailer. Some of these companies are selling knock-offs and some aren’t selling anything. They collect your PII and money and send you nothing. If you are tempted, read reviews of both the item you want to purchase and the company. If there are no reviews, or few, or they are all glowing, skip this seller.

Pay Attention

Things tend to get busier this time of year. You may forget to check your accounts as often as usual. Cyber criminals are counting on that. If you have increased your online shopping, then check your accounts more often through the end of the year. If you see any transactions that you don’t recognize, can’t find an emailed receipt for, or the transaction is for an odd amount (e.g., .99¢), contact your financial institution immediately.

Hallowthankmas can be dangerous for your wallet on a few levels. It’s the season of giving, but that does not include giving away your money or PII. You can keep your guard up where finances are concerned while still letting it down for friends and family.

Do you take extra precautions at this time of year to protect your financial accounts? What are they? Please share in the comments.

For Your Review

It’s the most wonderful time of the year! No, not Halloween; performance reviews! What? You don’t like performance reviews? I get it, but instead of thinking of it as your manager’s opportunity to remind you how far short of the company’s expectations you fell, turn the spotlight on how valuable you are. Employees have more leverage than ever to get both a promotion and a raise. You’ll probably have to ask for both, but how?

Justify

Your company pays you for the profitability you bring, not for your personal circumstances. Don’t base your case for a pay increase on the amount of your bills. Build it on your accomplishments that helped the company achieve its mission. The easiest way to do this is to keep a folder on your desktop with a collection of evidence proving your worth. It’s not only helpful for performance reviews, it boosts your confidence all year long. The folder can include:

Emails thanking you for a job well done
A link to the recommendation section of your LinkedIn profile. You ask people for LinkedIn recommendations, right? If not, do; and offer to give one in return
Notes on your Top 20 List of Achievements. Include:
- Projects you led that moved the company closer to its goals
- Revenue you brought in
- Savings you attained
- New clients you acquired (and their worth)
- Initiatives you originated and their positive financial impact

This is a job interview. It requires rehearsal. Ask someone to role play with you. After summarizing your Top 20 List of Achievements, encourage your practice partner to ask you hard follow-up questions. Frame all your answers around why your company would benefit by promoting you. Here are a few questions to help you hear your pitch out loud then get their feedback:

How will advancing your career positively affect the company?
What projects/initiatives/clients will this new role allow you to obtain?
Who in the company has to invest their time, energy, and attention in you so that you will be successful in the new role?

Specify

Now that you know and can demonstrate your worth, you have to respectfully communicate that you expect to be recognized and compensated for it. If your manager asks how much money you expect to make, ask them what their budget is. This can prevent you from not asking for enough. Whether or not they offer a number, enter the conversation with a salary range in mind and ask for the top. If the salary range for the position you want is public information within the company, then it’s easy to find. If you have to dig for it, is there someone who held that position whom you can ask? If not, research other job descriptions with the title you want as the keywords. What is the current salary for someone with your level of education, experience, and track record who lives in your city? Bring these statistics with you. They provide credibility of your value in the talent pool.

Clarify

If the company can’t afford to give you more money, but still wants to give you more responsibility, then think carefully before deciding. A performance review is a negotiation. Don’t think of their answer as a no. Think of it as a not yet. You can negotiate for compensation other than money right now and revisit the salary conversation later. For example, will they:

give you a better title?
approve working remotely two days a week?
assign you to lead more high-visibility projects?
reimburse you for leadership development training?

If you can reach a compromise, then get in writing exactly what your additional duties will be, the compensation you will receive for them, and for how long. Request to revisit the pay increase discussion in six months. Schedule that meeting before the conversation ends. Make sure it’s noted on your manager’s calendar and in your personnel file. The two of you are not the only people looking at your performance review. HR (at least!) is too. Make sure as many people as is appropriate know this conversation is not over.

Asking for a raise is not about what you want. It’s about what your performance has earned. You uniquely contribute to your organization and they benefit from your work, your influence, and your networks.

Is this how you prepare for a performance review? What did I forget? Please share in the comments.

Cyber Scary

October is practically here and while that means full on Halloween celebrating for most people, in my world, it means Cybersecurity Awareness Month. You know to keep your Personally Identifiable Information (PII) like Social Security number and bank account information secret, but you have no control over those banks getting hacked by Threat Actors. Nor can your computer’s and phone’s firewalls stop every phishing email from reaching you. Last year, identity theft cost Americans $5.8 BILLION. Here are some Don’ts and Dos to protect your identity.

Don’t Believe Everything Your Phone Shows You

We’ve talked before about not clicking on links in texts or emails unless you are expecting the communication. Now cyber scammers are getting bolder. They call claiming to be a representative from your bank, spoofing the bank’s phone number so that it looks legitimate on your caller ID. They speak in an urgent tone claiming there is something wrong with your account and they need to fix it right now using your bank’s money transfer service. They instruct you to transfer money out of your account and into their holding account, but the only holding going on is the cybercriminal holding on to your money and vanishing.

Don’t Be Lazy

From January – June, 2022, 817 American companies were compromised by cybercriminals with 53.4 million victims affected. Check here for a list of the most stolen PII. Before giving any company your PII, check their website to see what their cyber defenses are. If that information isn’t on the site, ask customer service: How may attacks have they withstood? What is their protocol for notifying you that a breach happened? How often do they update and patch their cybersecurity systems?

Don’t Leave It On

When you’re not using Bluetooth-enabled devices, turn Bluetooth off. Leaving it on allows hackers to see devices that you previously connected with. They can pretend to be one of those devices to access another one and steal your PII. For example, if you have a wireless printer in your home office, turn it off when you aren’t printing. Here is a good resource for more information.

Do Enable Two-factor Authentication

When a website, for example, your bank or favorite social media platform, gives you the option to enable two-factor authentication, say yes. I know you are rarely in the mood, but the protection is worth the time it takes to set up. It will take way more time to try to get back the identity a cybercriminal stole than it will take you to wait for and input the code the company sends you.

Do Shred

If you still receive paper statements for your bank accounts, credit cards, student loans, or any documents with PII on them, then shred them on a regular basis. If you don’t own a shredder, or have a friend who will let you borrow theirs, go online and search for “community shredding events near you.”

Do Monitor Your Accounts

Ultimately, you are responsible for your own cybersecurity. If you do not currently check your bank accounts weekly, then start. If you see something weird, like a transaction you did not initiate, contact your bank and investigate. If you do not check your credit score twice a year, then start. If you have experienced an attack on your credit, consider freezing it. Freezing your credit is a bit of a task and has pros and cons. Read about them here.

What do you do to protect your PII from cybercriminals? Please share in the comments.

Emerging Expectations

A year ago Google gave their employees access to a pay calculator that let them estimate how permanently working remotely would impact their salaries. For most workers it meant a reduction. Since then Facebook, Twitter, and Microsoft revealed similar policies. What is an employer’s justification for cutting pay if their employees work from home? Should you lower your expectations for compensation if it means you can work 100% remotely?

Employers Parry

Tech companies that have national and International workforces like Google, Facebook, and Microsoft revise an employee’s salary when the employee changes the location of their residence. For example, If the employee moves to a lower cost of living area, then their pay is reduced. Conversely, a few companies (e.g., Spotify, Reddit) raised the compensation of remote employees during the pandemic to match the salaries of their workforces that are based in New York and San Francisco. Google’s explanation for decreasing remote employee’s wages is that their compensation packages are always based on location since they pay employees top of the range for the market the employee lives in. Facebook said they had to adjust an employee’s salary to their location for accounting purposes and tax requirements. VMware and Gitlab also commented. Read more here. Companies cutting pay for working from home may be using it as a device to get employees back in the office. Maybe they think it signals a return to business as pre-pandemic usual. Maybe they feel if your manager doesn’t see you working, then you must not be. Maybe they believe physical presence boosts collaboration and innovation. These expectations need to be re-examined. We are living in a business as unusual, homing from work, videoconferencing our heads off era. Work-life integration advances both work and life.

Employees Counter-parry

Studies of productivity during the pandemic revealed that remote workers not only accomplished the same tasks as they did in the office, they also worked longer hours to do so. Employees feel like they should be paid for the work they do, not where they do it, but the majority of their managers disagree. Seventy-three percent of managers affirm that productivity was great. Their problem is, managing their remote workforce caused 69% of the managers to burnout. The study also indicates that 51% of company leaders believe employees want to return to an office and that incentives like free food and happy hours will lure them back. If employees are willing to give up promotions and wage increases to work from home, snacks are not enough of an incentive to return to an office. However, on-site childcare would be a good start.

Touché

This fencing match isn’t really about money. It’s about power. Employers have traditionally held all the power in the relationship. The pandemic gave employees a sense of agency and a means to prove they can handle it. A significant percentage of the workforce discovered that it does not make sense for them to stay in one place 9:00am-5:00pm Monday – Friday to do their jobs well. And so far nothing management has done to lure them back has changed their minds.

Would you accept a pay cut to work from home? Please share why or why not in the comments.

Fiscal Finesse

If you work for a business, then you are either trying to bring revenue to it or cut its expenses. If you work for a non-profit, then you participate in fund-raising efforts. If you work for a government agency, then you try to spend as little of its budget as possible.

It’s a Job

Managing money isn’t the first skill we associate with motherhood, but motherhood is a job, and every job is about money. Mom has to learn how to pay for the things her baby needs (e.g., diapers, formula). She has to learn how to pay for the things her child needs (e.g., school supplies, clothes). She has to learn how to teach her teenager how to pay for the things they need (e.g., too many to list). These skills transfer to the workplace where Mom uses them to budget for her team.

Disclaimer

ICYMI, I’m not suggesting that every woman needs to have a child in order to be a good leader. I’m saying that motherhood is, by default, leadership training. In the final installment of this series, let’s look at how moms learn about handling money both for the short-term and the long-term.

Short-term Savings at Home

Everyone needs to learn how to live within their means. At home moms have extra decisions to make regarding the household budget. For example, when buying clothing for her rapidly growing toddler, must the clothes be brand new? If her child is going to outgrow their clothes in a few months, then why not thrift shop?

Short-term Savings at Work

Leaders have to learn how to stretch a dollar. At work leaders have extra decisions to make regarding the office budget. For example, when purchasing furniture for the break room, must the tables and chairs be brand new? If clients aren’t going to see them, then would refurbished or gently used tables and chairs work?

Long-term Savings at Home

Moms have to prepare their children for the future. This is not always fun. At home this may look like teaching a child delayed gratification. For example, Mom stays strong and denies her child permission to buy the $60 video game now because that money would have to come from the savings account set aside to buy her child a car in two years.

Long-term Savings at Work

Leaders have to prepare their team for the future. This is not always fun. At work this may look like teaching the team delayed gratification. For example, a leader stays strong and denies her team permission to leave work early on the Friday before a holiday weekend because there is a backlog of sales calls to follow up on. Those follow-ups could fill next week’s pipeline.

It Isn’t Really About the Money

Money isn’t really about money. It’s about what you can do when you have money and what you can’t do when you don’t. A mom learns to consider her child’s feelings when making money decisions at home. When Mom is a leader at work, she’s practiced at considering her staff’s feelings. In terms of money, motherhood teaches women to influence through vision casting not force. It trains women to learn their team members’ emotional reactions to stimuli and use them to push the team to do good work. It reminds them that the only failure is to stop trying.

How do you think motherhood prepares a woman to handle a budget at work? Please share in the comments.

Vacation, All I Ever Wanted

COVID kept you cooped up for so long that you’re determined to get back to traveling. Stories of canceled flights, lack of rental cars, and inflated accommodation prices due to demand are not enough to deter you from summer vacationing. You know why you want to travel, now you have to figure out where, when, what, who, and how.

Where are you going?

Every decision that follows will be based on this one. For example, Are you going to drive or fly? Are you going to stay on a resort’s site or off? If you fly, will you need a rental car? Will you get all your meals from restaurants? How many and what kind of souvenirs do you think you may purchase? The more you are able to visualize your trip, the better you can estimate how much the variables may cost.

When are you going?

Once you decide where you want to go, the next decision is when. Summer is traditionally vacation season, so that’s when airfare, accommodations, and entertainment are the most expensive. Can you afford the higher prices or can you delay gratification and go in the off-season? Waiting is hard, but it gives you time to save money toward the trip and avoid the summer crowds. If you have the flexibility to be spontaneous, travel apps like Hopper and KAYAK will notify you when your desired trip gets discounted.

What will you do while you’re there?

After the where and when, estimate how much money you’re going to need for transportation, accommodations, meals, souvenirs, and entertainment. Then add 10% for miscellaneous or unpredictable circumstances. Once you’re on your trip, you can use an app to keep track of your spending.

Who is going with you?

If the more you think about the expense of a vacation the more out of reach it seems, then what are your options? Are family and/or friends in the same situation as you? Can you go together? If you all agree on a destination that you can drive to, you can carpool and all chip in for gas. If you stay in a vacation home, you can all share the rental cost. You can stop at a grocery along the way, pick up food, and eat at the rental instead of at restaurants. If you are at a destination that rents canoes or gives guided tours, then you can split those costs with your group.

How can you take a break without taking a vacation?

Maybe it’s just too expensive to take a long or faraway trip right now. Start saving toward that goal and consider taking a break closer to home instead. Do you camp? Campgrounds are usually cheaper accommodations than hotels, especially if you have your own equipment (tent, camper, RV, bike, kayak, food). It’s also mentally beneficial to commune with nature. Or what about the old staycation? Have you visited your city’s museums, MetroParks, or historical sites recently? If so, then what about a city about an hour’s drive away? You get to sleep in your own bed, eat your food, and you save yourself the stress of taking a big trip.

Do you plan to travel this summer? Please share your destinations and money-saving tips in the comments.

On the Road Again

Like Dorothy Parker, every day we wake up and wonder, “What fresh hell is this?” Ukraine, monkeypox, Roe v. Wade, the lingering effect of COVID’s mutations, mass shootings, extreme weather events…not only is 2022 taking a toll on your mental health, but it’s also taking a toll on your wallet.

In a good economy your car is a major expense. It’s even more so during the inflation we’re experiencing right now. Hopefully, the situation is temporary. While we wait to find out, here are some things you can do right now to save money on driving.

One

Can you get by with one car? How about no car? If you live in a walking city and work remotely, think about what you use a car for. If all you can come up with is the occasional weekend away or driving for holiday visits across a state or two, you could rent a car for those occasions. Selling your car pays off your loan if you have one. It also saves you money on fuel, maintenance, repairs, and insurance.

Insurance

Speaking of insurance, if you used to commute to work and are now working remotely, contact your insurance company and ask for a discount. Insurance premiums are based on risk. The fewer miles you spend on the road, the less risk you have of getting into an insurable accident. Find out if your provider offers a low-mileage discount and if you qualify for it. Not all insurance companies have the same parameters, so if you don’t qualify for your current insurance company’s low-mileage discount, comparison shop.
Do you own both a house and a car? Do you rent your residence and own a car? Do you have life insurance? Do you own a boat and/or a motorcycle? Ask your insurance provider about discounts for bundling multiple policies.
Do you have more insurance than you need? Everyone’s situation is different, so here are some guidelines. If you are carrying too much, right-size your policy.
Keep your FICO score high Some banks let you check it without negatively impacting it and even notify you when it changes. A higher credit score can lower your auto insurance premium.

Wait

If you can put off purchasing a new vehicle until 2023, do. The usual advice on saving transportation money is to sell your car and buy a used, late-model, economy car, but right now, finding those is difficult. Even If your car needs a major repair, if you can maintain your ride another year, it’s still likely to cost less than buying another one.

Gas

Carpool with a coworker
Sign up for your favorite grocery’s fuel rewards program
Download and use a fuel comparison app
Drive the speed limit
Make sure your tires are properly inflated
Use cruise control
Remove items that inhibit the aerodynamics of your vehicle (e.g., roof racks, bike racks)
Don’t drive if you don’t have to. For example, combine multiple errands into one trip, use your grocery’s delivery service, etc.

What are you doing to save money on transportation costs? Please share in the comments.

Another Day, Another Crypto

I led an Is It Worth Your T.E.A.M.? workshop for a group of young professionals recently. One of the questions we worked through was about investing money. There were usual questions like, Should you invest in property or stocks? Then one participant said he felt like it was time to do some serious research on cryptocurrency. I realized that it had been a couple of years since I even thought about cryptocurrency and, at the time, I dismissed it as an experiment that probably wouldn’t go anywhere. But this year, I’ve seen television commercials for tax preparers offering to make sense of how to report your cryptocurrency income to the government. Guess it’s time to take another look and see how the experiment has iterated.

What Is It?

Cryptocurrency (AKA Crypto) is a purely digital form of money. There are currently over 10,000 different cryptos. Bitcoin is the original and the most popular. Crypto comes into existence through a process called mining. It’s a bit like a modern version of mining for gold, but instead of a person panning in a river, data centers solve mathematical puzzles to produce coins. Also, much like a gold miner spent a great deal of human energy panning, data centers use a great deal of electrical energy computing. This makes mining crypto environmentally unfriendly. Regular currency is backed by banks and governments, but crypto is administered by blockchain. This is a type of technology that acts like its name. A block is a set of transactions that are validated by an online network. The blocks are strung together to form a ledger. The ledgers form a database that is shared by nodes (e.g., a small server) in a computer network. Since the blockchain is a distributed network, this decentralized transaction record system is considered very secure.

How Do You Use It?

Right now, there aren’t many places accepting crypto for purchases. It’s mostly an investment option and a volatile one. You buy and sell it on exchange websites like this one. If you choose to invest in crypto, please remember to bankroll your emergency fund, pay off debt, and set up a system for saving for retirement first. Think about limiting crypto to 10% (tops) of your investment portfolio. Even though it’s trendy, most investors continue to choose gold over crypto due to the current inflation and Russia’s invasion of Ukraine.

Does It Have a Future?

So, it seems that not much has changed since the last time I researched crypto. We are still in the early-adoption phase, but major financial institutions are starting to get involved. Recently, Fidelity announced it would offer a bitcoin option in their 401(k) plans. I imagine that eventually using crypto will be much like online banking transactions. To reach that goal, crypto administrators must figure out how to battle scams, how to scale it, and how to stop the environmental damage mining causes. In spite of the challenges, crypto is predicted to exponentially grow by 2025.

My research indicates that cryptocurrency is polarizing; you either love it or you hate it. Which side are you on? Please share what you think about it in the comments.

The Waiting is the Hardest Part

Income tax filings are due next week. If you owe, then you have my sympathy. If you will receive a return, congratulations! (Although, perhaps we should discuss how using the government as a forced savings account may not be the wisest choice…) While waiting, you may already be contemplating what to do with your income tax return. Should you save it? Should you treat yourself? Should you invest it? Your self-control super power can help you make this decision.

Stop and Think

Should you buy the Apple Watch Series 6 or stick with the SE you currently own? Should you deposit the return in your long-term savings account so that it’s easily accessible when you want to spend it later? Should you invest it in your IRA and not spend it for several years? You know putting money away in your emergency fund is always a wise choice, but it’s hard to fight the temptation facing you right now. To control your spending, stop and consider what you already have. Then, determine the value of buying more stuff. For example, Is the Apple Watch Series 6 an exponential upgrade from your SE? Do you have to purchase it right this second? Walk away while telling yourself that you’ll revisit it after your income tax return arrives. There’s a good chance that the Series 6 you feel like you can’t live without today will lose a bit of its lure by then.

Pause and Play

Can you afford to be generous? Think about allocating a percentage of your income tax return to spend on someone or something you love. For example, you could plan to take your kids out to a movie, your partner to a minor league baseball game, or a friend for a manicure. Are you back to eating out at locally owned restaurants? Make a mental note to generously tip your server. Do you go to church? Consider dropping your designated dollars in the offering plate or use the giving app. Is there a nonprofit organization you feel passionate about? Donate to it. Fun fact: if you donate to a church or nonprofit, you may be able to claim it as a tax deduction for this year.

Refine and Iterate

Use the wait to audit your budget process. Evaluate whether or not it still serves you well. If the word “budget” feels too restrictive to you, then call it something else, like “freedom plan.” A budget is simply a strategy that empowers you to reach financial freedom. The typical budget advice is to divide your net income into a 50/30/20 split: 50% should go to your basic needs like food, clothing, and shelter. Spend 30% on self-care. Save or invest 20%. Disclaimer: This is not my favorite advice because it makes no mention of charitable giving. If you feel overwhelmed, try a budgeting app.

If you adopt a mindset that it’s fun to speculate what to do with your income tax return, then it’s easier to exercise self-control over where it will go. That gives you something money can’t buy, peace of mind.

Spend, save, give, or invest. Which are you doing with your income tax return? Please share in the comments.