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"If you're overusing AI, that means you're not doing anything unique as a human in that process."
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Gut troubles? This gastroenterologist has tips to help you achieve 'poophoria' NPRThe 3 Ps of pooping may help you heal your gut and enjoy your life CNNAre your bathroom habits normal? Harvard GazetteTrouble pooping on vacation? You're not alone, and here's how to fix that WHYYExpert reveals the three Ps of pooping that could change how we think about toilet habits UNILAD
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Iran war: What is happening on day 43 of the US-Iran conflict? Al JazeeraWorld Leaders Push to Save Iran Talks Amid Israel's Attacks in Lebanon The New York TimesTrump's Pakistan gamble: Can talks produce peace? CNNIran war latest: US team arrives for 'make or break' peace talks with Tehran Sky News
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What smart people are saying about Mythos, Anthropic's new AI model that has some cybersecurity experts spooked Business InsiderProject Glasswing: Securing critical software for the AI era AnthropicBanks Are Warned About Anthropic's New, Powerful A.I. Technology The New York TimesVance, Bessent questioned tech giants on AI security before Anthropic's Mythos release CNBC
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Trump has handed JD Vance his most difficult mission yet BBCIn a tense Islamabad, Vance searches for an off-ramp from escalating Iran war NBC NewsTrump's War, Vance's Problem The AtlanticJD Vance may regret leading peace talks with Iran MS NOWJD Vance dispatched to negotiate Iran peace with few cards to play The Guardian
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Plenty of retirees like to give back to their communities through charitable donations, but questions often arise over the best way to do that.
What approach is efficient, provides the tax benefits you're after, and also is advantageous for the charity that's on the receiving end?
SEE MORE Ever Dream of Having a Building Named After Yourself?
One possibility is a qualified charitable distribution (QCD), a tax-savvy way to reduce your taxable income and maximize your donations whether you itemize deductions on your tax return or not. An added bonus is that the benefits can be large for both the donor and the charity.
Here's How QCDs Work
A QCD is a distribution from an IRA that is paid directly from that retirement account to a qualified charity. QCDs lower your adjusted gross income (AGI) and therefore lower your tax bill. They can also offset required minimum distributions (RMDs), those withdrawals you must take from your IRA each year once you reach age 72. An RMD adds to your income, raising the amount of taxes you pay, but a QCD is excluded from your income. So, for example, if you withdrew $50,000 from your IRA as an RMD, you would pay taxes on that money. But if that same $50,000 was used as a QCD instead, you avoid the taxes while helping a charity at the same time.
SEE MORE Every Dollar Counts: How to Evaluate a Nonprofit
Taxpayers can benefit from QCDs even when they take the standard deduction and do not itemize their deductions. Meanwhile, even though a QCD doesn't count as an itemized deduction, tax
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Although you can start collecting Social Security at age 62, you can get much higher monthly payments if you wait as long as age 70. But many people want to or must retire before 70. If you're one of them, consider a possible strategy, backed by recent research, to use your retirement savings to put off receiving Social Security.
Build a Social Security Bridge
New research from the Center for Retirement Research explores retiree appetite for a "bridge" between retirement and collecting Social Security benefits, specifically one where retirees tap 401(k) assets in an amount equivalent to what they'd draw from Social Security on a monthly basis. This stream of payments would continue until age 70 or until the money ran out.
Such an option appealed to a good number of survey respondents; nearly 27% said they'd use it to some extent, even with minimal information about plan details. Among respondents provided with more information on the option, the total climbed to 35%. Researchers also propose a formalized "bridge" plan that employers could offer using 401(k) funds.
SEE MORE Feeling Insecure About Social Security? You're Not Alone.
But why tap those funds? The answer is that any chance to delay collecting Social Security benefits means you'll receive a larger monthly check when you finally do start to draw benefits.
How Much Can You Increase Your Social Security by Delaying Benefits?
As a rule, retirees must decide for themselves when to begin claiming Social Security benefits.
If they can wait to collect, though
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