Aperture’s Bulk Reef Supply Announces Mr. Chili Kids and the Ultimate Holiday Gift Guide...
GOLDEN VALLEY, Minn. - November 8, 2022 - (Newswire.com)
Tis the season of savings and great gifts, and Aperture Pet & Life's online retailer Bulk Reef Supply is kicking off the holiday season with a holiday gift guide for aquarists of all levels to ensure those giving gifts get just what they want and need for thriving aquariums. This includes the launch of Mr. Chili Kids with marine-focused STEAM products, toys, games and much more that will help inspire the next generation of aquarists to love and conserve marine life.
The 2022 Holiday gift guide is now live at bulkreefsupply.com/holiday and includes:
- Top Sellers for the Saltwater Hobbyist including Maxspect's Jump 2K Gyre Flow Pump, Tropic Marin's Pro Reef Salt, EcoTech's Radion G6 and Neptune's A3 Apex Controller System
- New & Nice to Have including Sicce's Shark PRO 700 Internal Filter, Trigger Systems' Platinum Sump 39 and ReefBreeders' Reef Nano LED
- Stocking Stuffers Under $25 including Coral RX Dip, Tunze Care Aquarium Glass Cleaner and BRS' Stick-On Thermometer
- Gifts for Beginners including DeskMate 4.8 Gallon All-In-One Tank, BRS' 4 Stage RO/DI System and Python's No Spill Clean and Fill
- Freshwater Aquarium Favorites including Aquaillumination's Prime 16 LED Freshwater Light and AquaForest's Natural Substrate
- Mr. Chili Kids including LEGO Classic Night Light Aquarium Fish Set, PlaySTEAM's Robotic Fish and a variety of Mr. Chili Kid's Shirts, exclusively at Bulk Reef Supply
"We really want to help aquarists and those buying them gifts with great products that would be ideal for both beginner and advanced aquarists," said Melissa Ortiz, Vice President of Merchandising Operations at Aperture, "And with many of our customers wanting to share the joy of this hobby with the kids in their lives, we launched Mr. Chili Kids to help younger people enjoy and learn to appreciate marine life as much as we do."
For more information, visit bulkreefsupply.com/holiday, your favorite local fish store or online retailer for many of these great gifts.
About Aperture
Aperture is a leading online retailer, manufacturer and distributor of products and solutions in over 50 countries through an integrated platform, which includes the industry's leading online marketplace for saltwater aquarists, world-class products for the success of saltwater, freshwater and reptile and amphibian ecosystems and habitats, distribution operations, sales professionals and one of the pet industry's largest YouTube platforms, with over 400,000 subscribers and 110 million views. Through its banner brands Bulk Reef Supply, Neptune Systems, EcoTech Marine, Aquaillumination, Leap Habitats and others, the company offers its customers the products and resources they need to create thriving ecosystems. For more information, visit www.apetlife.com.
Bulk Reef Supply, Neptune Systems, EcoTech Marine, Aquaillumination and Leap Habitats are trademarks of Aperture, LLC. ©2022 Aperture, LLC. All rights reserved.
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Contact Information:
Jay Sperandio
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2022 Bulk Reef Supply Holiday Gift Guide
Exceptional gifts for the advanced, intermediate and beginners aquarist
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Original Source: Aperture's Bulk Reef Supply Announces Mr. Chili Kids and the Ultimate Holiday Gift Guide for Aquarists
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Credello: The IRS Just Adjusted Its Tax Income Brackets — Are You Ready?
You may have heard that the IRS is adjusting its tax income brackets for next year. Tax consolidation is the reason behind these changes. The IRS is trying to simplify the tax code.
What does this mean for you? The adjusted tax brackets should make it simpler for you to figure out how much you owe. It should also make it easier and faster for the IRS to process tax returns, and it will allow you to pay less in taxes.
Let's get into a little more detail about these tax bracket changes, so you'll know what to expect next year.
How Do Tax Brackets Work in the U.S.?
The U.S. has what is called a graduated or progressive tax system in place. That's the opposite of a flat tax rate or system.
You're taxed at different rates depending on how much you make each year. Currently, the rates are 10%, 12%, 22%, 24%, 32%, 35%, and 37%. These are referred to as brackets or thresholds.
How Will 2023's Tax Rates Differ from 2022's?
In 2023, the amount of money you can get paid before you ascend into a higher tax bracket will rise. That's good news for you since you'll likely have to pay less in taxes, even if you're making more money next year.
Again, the reason the federal government wants to make this change is to simplify the tax code, but it's also to provide families and individuals with relief who are feeling the pinch because of inflation. The cost of many goods and services are rising, and this action should help to counteract that.
An Example of This Change
Let's look at an example of how your 2022 tax rate might differ from next year's. In 2022, we'll say you're a single filer, and you make $41,776. That is as much as you can make to qualify for the bracket where you must pay 22% in taxes.
In 2023, you can make as much as $44,726, and you'll still qualify for that 22% bracket. That means you can make an additional $2,950, and you will not have to pay more tax on it in 2023 than in 2022.
You can pocket those savings in any of the tax brackets. The more money you make, the more you'll potentially save under the new tax code.
What About If You File Jointly?
If you file your taxes jointly, you can still benefit from changes to the tax brackets next year. For instance, using the 22% tax bracket as a threshold again, if you file jointly in 2022, you can stay in that threshold up to $83,551. Next year, you can make a joint amount of up to $89,451 and remain in that 22% bracket. That's a difference of $5,900.
These Changes Mean You'll Keep More of Your Money
All this might sound a little confusing, but the main takeaway is that when the IRS changes the tax code next year and adjusts each of the brackets, you can keep more of your money. No matter which adjusted tax bracket you fall into, you'll have to give the IRS less.
If you go to the IRS website, you'll find detailed tables that show the tax brackets as they stand right now and how they will change in 2023. You can probably estimate how much you'll make next year. When you do, you can apply that number to the table and estimate how much more of your money you'll be able to keep.
In the face of inflation, a bear market, and other economic concerns, it's nice to know that the IRS is taking steps to alleviate some pain for the average American. The money you pocket from paying less in taxes next year could amount to hundreds of dollars or even thousands.
Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125
Carolina d'Arbelles-Valle
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+1 305 849 8443
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Original Source: Credello: The IRS Just Adjusted Its Tax Income Brackets — Are You Ready?
Credello: This Group is Trying to Block Student Loan Debt Relief
Attorneys General in GOP-led states have introduced a bill to prevent President Biden's student loan debt forgiveness program from helping millions of Americans. Why are they doing this, and can they succeed?
What is President Biden's student loan forgiveness program?
President Biden's Student Loan Forgiveness Program would allow millions of Americans with student loan debt to have their payments reduced or eliminated. This program would be available to borrowers with outstanding loans to have $10,000 to $20,000 of their debt canceled, depending on the loan. Applications for forgiveness are now live via the Department of Education's website, with forgiveness set to begin in January 2023.
Why are Republicans trying to block the President's student loan forgiveness program?
There are a few reasons why Republicans may want to block President Biden's student loan forgiveness program. One reason is that they may not believe that the President should be able to reduce or eliminate someone's debt without going through the bankruptcy process first. President Biden issued the forgiveness plan via Executive Order, and many Republican Congresspeople feel he should've proposed legislation to be voted on instead.
Another reason is that they may think the President's student loan forgiveness program will be too costly for taxpayers. The Department of Education's website estimates that the program will cost taxpayers $400 billion over the next 30 years.
Can Republicans succeed in blocking the President's student loan forgiveness program?
Currently, the Republicans have won a temporary hold. A U.S. appeals court has temporarily blocked the Order from moving forward. A U.S. District Judge previously rejected the lawsuit to block the forgiveness, saying the suit lacked legal standing. However, the GOP-led states that filed the original suit appealed the ruling, which allowed the 8th U.S. Circuit Court of Appeals to prevent the forgiveness plan from continuing while the request is considered.
It is possible that they can permanently block President Biden's student loan forgiveness program, but it is unlikely. The current number of Republicans in the House of Representatives is not large enough to pass a bill preventing the President's program from going into effect. However, they may be able to slow down or stop the program's implementation by attaching amendments to bills passed by Congress.
It's also possible they may issue legislation that will override the Executive Order if they win the House and Senate majority. However, new Senators and Representatives will be sworn in on January 3rd, when the forgiveness will already have been well underway.
What can I do?
If you're concerned about the President's student loan forgiveness program, you can contact your local Representative and Senators and let them know you support the program. You can also sign petitions or write letters to the editor of your local paper to voice your opinion.
It's also essential you vote in this and any upcoming election. The more people who stand up and speak out, the more likely the Republican Party will back down.
However, you should also consider what your backup plan will be to pay off your student loan debt should the GOP successfully block forgiveness altogether. It's difficult to say whether or not you can expect to have student loan debt relief next year at the federal level, so don't stop making your payments until the courts finalize their ruling.
The bottom line
It's essential to stay informed about the Republican Party's plans to block President Biden's student loan forgiveness program. Let your state and federal representatives know where you stand on this issue, and make it a priority to vote this November to ensure your voice is heard.
Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125
Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443
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Original Source: Credello: This Group is Trying to Block Student Loan Debt Relief
Credello: The 401K Contribution Deadline is Coming Soon. Are You Ready?
401Ks can be both valuable and versatile. You can take out a 401K loan to pay off debt in some instances. You might also sit on your 401K and make contributions into it every year, planning for your eventual retirement.
You should also know that there's a deadline every year for putting money in your 401K. Beyond that deadline, you can't put in any more money, and you'll have to wait to contribute more the following year. Let's talk about that deadline and what it means for you.
What is a 401K?
Before we go any further, we should make sure you understand what we mean when we use the term "401K." A 401K is a kind of investment account that is specifically geared toward your eventual retirement. Most people want to retire from work at some point, and a 401K is a financial tool that should set you up nicely when you're ready to do that.
A 401K is similar to an IRA. However, an IRA is a retirement account that you open on your own. A 401K is a retirement account you set up through your job.
Some employers allow you to set up a 401K with them. To encourage you to contribute to it from your regular paychecks, they may match your contributions up to a certain point. Essentially, your employer is giving you free money and helping you invest for your future. Some employers might match 1-3% of what you put in, but more generous ones may give you as much as 5%.
Why is There a Deadline Every Year for 401K Contributions?
The IRS wants to impose a deadline for 401K contributions each year for simplicity's sake. Luckily, that deadline is not difficult to remember. It is Dec. 31, 2022, the last day of the year.
You have until the year's end to contribute as much to your 401K retirement account as the law allows. Doing so should be a priority if you want to put money away in anticipation of your work life's eventual conclusion.
How Much Can You Put in Legally Each Year?
Assuming you're thinking about retirement, you probably want to know how much money you can put into your 401K each year. The IRS will let you put in up to $20,500 in 2022. If you are 50 or older, though, you can put in an extra $6,500, sometimes referred to as a catch-up contribution.
Why Contribute to a 401K?
Other than the obvious reason of saving for your retirement, there are also tax benefits if you contribute to a 401K. When you put part of your paychecks into a 401K plan, that contribution comes from your pay before the government collects any income tax. In other words, your taxable income is less, lowering your total tax bill.
Contribute as Much as Possible Before the Year's End
Some people who are hard up for cash cannot put any money into a 401K. For instance, you might be reluctant to lock any of your current income away if you have any urgent debts you're trying to pay off.
If you can afford to put any money into your 401K, though, it's definitely worth it. For one thing, it will reduce your tax burden. Also, your employer might match what you put in up to a certain point, and that's free money.
Understand the total amount you can put in this year, and consider doing so if you haven't yet. You have until Dec. 31 to make that contribution and start building up a financial cushion to use during your Golden Years.
Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125
Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443
Press Release Service by Newswire.com
Original Source: Credello: The 401K Contribution Deadline is Coming Soon. Are You Ready?