(Family Features) With tax season in full swing, taketime to consider how to get the most out of your tax return,which includes finding all the credits and deductions avail-able to you. While many taxpayers claim common deduc-tions, such as home mortgage interest and self-employ-ment expenses, there are additional tax deductions that canlessen your final tax bill or increase your refund. Theseoften-overlooked tax breaks could potentially save youhundreds – maybe even thousands – of dollars if you item-ize deductions.

To start, get to know the difference between tax creditsand tax deductions. Tax credits reduce the amount you owein taxes. In some circumstances, tax credits allow a refund-able credit, meaning you may not only reduce the amountyou owe to $0, but you can also get money back.Deductions, on the other hand, simply reduce your taxableincome. Both can have a potentially significant impact onyour taxes and are often worth the extra effort to includeon your return.

some commonly overlooked credits include:

1. Child and Dependent Care CreditYou can claim a credit of up to $2,100 for day care for

your dependents so you and your spouse can work.

Qualifying dependents include children under 13 and par-ents who are no longer able to care for themselves.

2. Earned Income Tax CreditThe Earned Income Tax Credit (EITC) is a federal tax

credit based on your income and the number of qualifyingchildren living with you. Nearly 1 in 5 people who qualifyfail to claim the credit, worth up to $6,318. Just becauseyou didn’t qualify last year doesn’t mean you won’t thisyear; one-third of the EITC-eligible population changeseach year based on marital, parental and financial status.

3. Saver’s Credit or the Retirement SavingsContributions Credit

Make sure you “pay yourself first.” Even if it is only $20each pay cycle, make sure you are putting some money intoa retirement fund. If your company offers a retirement sav-ings plan, like a 401(k), it is usually in your best interest toparticipate. If your income is lower than $60,000, you canreceive a credit of up to $1,000 for a contribution of up to$2,000 into an IRA or an employer-provided retirement

2—Cleveland Daily Banner—Sunday, January 28, 2018 www.clevelandbanner.com

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TAXES

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account, such as a 401(k). The credit is inaddition to any deduction or exclusion fromincome for the contribution.

Some tax deductions that allow you toreduce your taxable income include:

1. Moving ExpensesIf you moved for a job that is at least 50

miles away from your home and held thisjob for at least 39 weeks, you can claimyour moving expenses even if you don’titemize deductions.

2. Tax-Preparation FeesPlan for tax time. Tax laws change and so

do life circumstances. Using a professionalto help you file your return may be a wiseinvestment. For example, the tax pros atJackson Hewitt can help you get everydeduction and credit you deserve and thebiggest refund possible. Plus, the cost ofpreparing your taxes can be claimed if youitemize your deductions. In fact, onemissed credit or deduction could more thancover the cost of having your taxes pre-pared by a tax professional.

3. New Moms Breast pumps and lactation supplies are

considered medical equipment, whichmeans they qualify for a possible deduction.

4. Career CornerJob hunting often means investing both

time and money. However, you may be ableto deduct some of the job-search expensesyou incur. Costs such as preparing resumes,creating and maintaining websites, busi-ness cards, agency fees and travel expensesmay be eligible.

5. Wedding BellsIf you were married in a church or at a

historical site during the past year, you maybe able to deduct fees paid to the venue as acharitable donation.

6. Medical Fitness While general toning and fitness work-

outs to improve general health are consid-ered personal expenses, you may be able todeduct your gym membership as a medicalexpense. If a doctor diagnoses you with aspecific medical condition, such as obesityor hypertension, or a specific physical or

mental illness, and prescribes workouts orparticipation in a weight-loss program totreat your illness, the membership duesmay be tax-deductible.

7. Road Warriors If you travel for business and aren’t reim-

bursed by your employer, those costs canqualify as a deduction.

Every possible tax credit and deductioncan help when money is tight. You mightqualify for at least one overlooked credit ordeduction – and maybe more than one.Consult a tax professional to discuss howyou can maximize your refund and learnmore at JacksonHewitt.com.

Refund Advance

If you’re getting a refund, you typicallywant it as soon as possible, but that isn’talways an option, especially if you are oneof the millions of Americans who claimeither the Earned Income Tax Credit orAdditional Child Tax Credit. You couldaccess up to $3,200 with a no-fee RefundAdvance loan at zero percent annual per-centage rate (APR), offered by MetaBank,at participating Jackson Hewitt locations.

Terms apply, visit JacksonHewitt.com fordetails.

Did You Know?

The IRS, as well as many states, allowstaxpayers to catch up on missed credits ordeductions, offering a three-year windowfor filing an amended tax return. You cansecure unclaimed credits and deductions byfiling amended tax returns to avoid losingany unclaimed funds from as far back as2014.

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‘Zero is your Hero’

Setting a ‘lifetime

income’ strategy

until after FRA, you will receive an addi-tional 8 percent each year until age 70.

If you are a person who has worked andhad a retirement account through youremployer, such as a 401(k), 403(b) or profitsharing, then the strategy that I will be dis-cussing might interest you.

This strategy is called “Lifetime income.”Think of it as a benefit you receive just likeyour Social Security each and every monthfor the rest of your life. If and when youdraw Social Security, you expect the check

By RICK HUGHES

Hughes & Associates

When Social Security began underPresident Franklin D. Roosevelt in 1935, theaverage life expectancy was 66. At thattime, FDR said that SS would begin at age65 but later allowed someone to take it at62 because of life expectancy. As you cansee, the payout did not last long in mostcases.

Roosevelt’s goal was to provideAmericans with a stream of income theycould not outlive. It was a great idea thatallowed someone to work X number ofyears, retire and then begin collecting someof the money they paid into the SocialSecurity system. The biggest fear most sen-iors experience today is “outliving theirmoney.” The life expectancy now is some-where in the mid-80s, and for a couple whois 60 years old, there is a 40 percent chancethat one of them will live to be 95.

Now what if this happens to you? Howwill you handle this? If you do the math, itwould make sense to take the SS benefit atage 62 if you knew you were not going tolive beyond 77; but for any age beyond that,it would make sense to take SS at full retire-ment age, or FRA, or beyond. If you wait See STRATEGY, page 10

www.clevelandbanner.com Cleveland Daily Banner—Sunday, January 28, 2018— 5

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(Family Features) Counting calories isn’tthe only way you can resolve to bring aboutpositive change in your life during the newyear. If you’re like many Americans, it maybe a good time to start counting your waytoward better financial health.

The past year brought financial setbacksto nearly two-thirds of United States house-holds, according to a survey by the NationalEndowment for Financial Education(NEFE).

In fact, more than a quarter of U.S.adults say the current quality of their finan-

cial lives are worse than they hoped.Topping the list of setbacks in 2017 weretransportation issues (23 percent), housingrepairs or maintenance (20 percent), andthe inability to keep up with debt andfalling behind on bill payments (16 per-cent).

In an effort to reverse that trend, morethan two-thirds of U.S. adults made finan-cial New Year’s resolutions for 2018,according to the survey. Among those thatplan to step up their financial game, topgoals include setting and following a budget

(40 percent), making a plan to get out ofdebt (39 percent), establishing savings (32percent) and boosting retirement savings(31 percent).

“We continue to see a lot of anxiety aboutmoney,” said Ted Beck, president and CEOof NEFE. “Three-quarters of Americanssaid something causes them financialstress, and it’s most often not savingenough and debt that are to blame.”

Reduce money stress and take control ofyour finances with these tips for financialsuccess from the experts at NEFE:

1. Get debt under control. Take ahard look at what you owe. If there’s a clearwarning sign of too much debt, take action.Set a goal to reduce your debt load nextyear by 5-10 percent. That might meanreducing impulse shopping. When you facetemptation, delay the purchase and giveyourself time to consider whether it’s a wisemove that fits within your budget.

2. Save now and do so often.

Preparing for unexpected events like med-ical emergencies can help reduce the finan-

cial impact of a life-changing event.Emergency savings can offset unexpectedcosts and help you get back on solid foot-ing. A good rule of thumb is to have 6-9months of income set aside. If that feels outof reach, start with a smaller goal, even aslittle as $500. When it comes to saving, it’s

6—Cleveland Daily Banner—Sunday, January 28, 2018 www.clevelandbanner.com

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See RESOLUTION, page 7

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RESOLUTION

from page 6

also a smart idea to think long term. Reviewyour long-term savings and ensure they areon target for your retirement plans.

3. Shop for better services. You maybe surprised by how much you can savewhen you periodically shop for the mostcompetitive rates on your recurring bills.Make a game out of shopping providers tofind the best value on your insurance poli-cies, cell phone plan, internet and utilities.Ask your providers about current rates andany promotions available to long-time, loyalcustomers. Then look at alternative providersto determine where you can trim somespending. Be sure to understand your cur-rent offering thoroughly so that you are com-paring apples to apples.

4. Understand what’s behind yourfinancial decisions. If you ever wonderwhy you feel good about spending money onvacations but avoid saving for retirement, theanswer may lie in your unique values andhow they influence your financial decision-making. Consider taking the LifeValues Quizat smartaboutmoney.org, where you can alsofind help with setting goals and getting yourfinances in order.

Budget BetterTo take control of your money and your

financial life, it’s important to get organized.The most effective tool is a budget. Creatinga budget can help you meet personal goalssuch as buying a house or car, or taking avacation. It also can help you prepare foremergencies and manage debt.

Income: Start by listing all income

sources, including wages, bonuses and tips,as well as non-employer income such as childsupport, alimony or Social Security.Generally, you’ll want to look at your recur-ring income, but also include long-range,infrequent income that you anticipate, suchas tax refunds.

Expenses: Next, take into account all ofyour recurring monthly bills. If you havemajor periodic expenses, such as a six-monthauto insurance premium, account for it inmonthly increments so you can save up andhave the money ready when the paymentcomes due. Remember to account for thebills you pay (mortgage or rent, utilities,etc.), as well as unspecified items like lawnmaintenance and personal hygiene purchas-es.

Categorize Spending: Some people findit helpful to break expenses into categories,such as housing, transportation, health, per-sonal, entertainment and so on. The key is tocapture every point where money is goingout so you can get a thorough picture of yourongoing expenditures. It can take a couplemonths to get a true understanding of whatyour typical spending looks like.

Savings: An effective budget doesn’t justcapture what’s going out; it also reflects whatyou’re able to keep. If you haven’t already,outline a savings plan that allows for anemergency fund, regular savings, retirementand investments.

Debt: Consistently paying down theaccounts you owe with the maximumamount you can afford is the surest way toreduce your debt load. Account for each debtyou owe in your budget, and establish a pay-ment plan that shows how much you canallocate to each account each month.

Photo courtesy of Getty Images

8—Cleveland Daily Banner—Sunday, January 28, 2018 www.clevelandbanner.com

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RetiRement planning involves more than just investing in a 401(k) and/or

IRA. Individuals who hope to live comfortably in retirement must account for

various expenses, including those associated with their health.

Potential long-term expenses

to account for in retirement (MetroCreative) — Retirement planning

involves more than just investing in a401(k) and/or IRA. Individuals who hopeto live comfortably in retirement mustaccount for various expenses, includingthose associated with their health.

A 2013 report from the U.S. Senate’sCommission on Long-Term Care foundthat each year an estimated 12 millionadults in the United States require sometype of long-term care. Planning for thefollowing potential expenses can help menand women ensure they will have enoughmoney to live well in retirement.

• Housing: Many individuals wouldprefer to spend their golden years living intheir own homes. However, adults who canno longer take care of themselves and/ortheir homes may need to move.Homeowners who simply want to downsizemay be able to finance their transitions toretirement communities by selling theirexisting homes. But those who need tomove into assisted living facilities may findthat even selling their homes might notprovide enough capital to pay for such resi-dences.

According Genworth’s 2016 Cost of CareSurvey, the annual cost of assisted livingfacilities greatly varies by state, with costs ashigh as $65,550 in Massachusetts and as lowas $30,438 in Missouri. Whether they investin long-term care insurance or developanother plan with their financial advisors,men and women must consider ways tofinance potential housing costs in retirement.

• Renovations: Home renovations areanother potential cost in retirement. Aging

men and women who can no longer com-fortably navigate staircases but are other-wise healthy may need to renovate theirhomes to account for their limited mobili-ty.

Such renovations might include theinstallation of a staircase chair lift and/or aramp connected to the entryway of a home.Some may even need to convert a first-floor den or living area into a bedroom,which may also require adding a full bath-room.

• Maintenance: Homeowners whowant to stay in their homes in retirementmust also factor potential maintenancecosts into their retirement plans. Agingmen and women may no longer be capableof maintaining their properties in retire-ment. Consider the potential costs of land-scaping, home maintenance and maid serv-ices when making a retirement plan.

• Transportation: Diminishing visionand slower reaction times compel manyretirees to give up driving. But retirees whostill enjoy getting out and about will stillneed a way to get around.

Moving to a retirement community withdaily shuttle service to and from town cen-ters is one way for seniors who no longerdrive to get around. But men and womenwho do not want to move to such commu-nities will need to find alternative means oftransportation, the costs of which can addup quickly.

Financial freedom in retirement is a goalfor many working professionals. Attainingsuch freedom involves planning and savingfor all potential expenses in retirement.

www.clevelandbanner.com Cleveland Daily Banner—Sunday, January 28, 2018— 9

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Retirement saving tips for late starters (MetroCreative) — Despite countless tele-

vision ads touting the virtues of retirementplanning, it seems many people are not get-ting the message. According to a surveyfrom GOBBankingRates.com, one-third ofAmericans have nothing saved for retire-ment. The picture is not any rosier inCanada, where Statistics Canada reportsthat just 65.2 percent of the country’s 14million households contributed to a retire-ment plan in 2015.

Financial advisors recommend men andwomen begin saving for retirement as earlyas possible. The longer people delay open-ing a retirement account, the less time theirmoney will have to grow. Those who neveropen such accounts may not be able to meettheir cost of living in the future.

While it pays to start saving for retire-ment early, late bloomers who need to catchup should know that it’s never too late tostart.

• Sign up for an employer-sponsoredWhile it pays to start saving for retirement early, late bloomers who

need to catch up should know that it's never too late to start.

Tax season begins Jan. 29WASHINGTON ― The Internal Revenue

Service said the nation’s tax season willbegin Monday, Jan. 29, and reminded tax-payers claiming certain tax credits thatrefunds won’t be available before lateFebruary.

The IRS will begin accepting tax returnson Jan. 29, with nearly 155 million individ-ual tax returns expected to be filed in 2018.The nation’s tax deadline will be April 17 thisyear – so taxpayers will have two additionaldays to file beyond April 15.

Many software companies and tax profes-sionals will be accepting tax returns beforeJan. 29 and then will submit the returnswhen IRS systems open. Although the IRSwill begin accepting both electronic andpaper tax returns Jan. 29, paper returns willbegin processing later in mid-February assystem updates continue. The IRS stronglyencourages people to file their tax returnselectronically for faster refunds.

The IRS set the Jan. 29 opening date toensure the security and readiness of key taxprocessing systems in advance of the open-ing and to assess the potential impact of taxlegislation on 2017 tax returns.

The IRS reminds taxpayers that, by law,the IRS cannot issue refunds claiming theEarned Income Tax Credit (EITC) and theAdditional Child Tax Credit (ACTC) beforemid-February. While the IRS will processthose returns when received, it cannot issuerelated refunds before mid-February. TheIRS expects the earliest EITC/ACTC relatedrefunds to be available in taxpayer bankaccounts or on debit cards starting on Feb.27, 2018, if they chose direct deposit andthere are no other issues with the tax return.

The IRS also reminds taxpayers that theyshould keep copies of their prior-year taxreturns for at least three years. Taxpayerswho are using a tax software product for thefirst time will need their adjusted grossincome from their 2016 tax return to fileelectronically.

Taxpayers who are using the same taxsoftware they used last year will not need toenter prior-year information to electronicallysign their 2017 tax return. Using an electron-ic filing PIN is no longer an option.

Taxpayers can visit IRS.gov/GetReady formore tips on preparing to file their 2017 taxreturn.

See RETIREMENT, page 10

10—Cleveland Daily Banner—Sunday, January 28, 2018 www.clevelandbanner.com

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STRATEGY

from page 4

to be deposited each and every month intoyour account. Lifetime income will beanother stream of income being depositedinto your account for the rest of your life.It is important, if possible, to create anadditional income stream to supplementthe income stream you receive from youSS benefit.

Another benefit to this additional life-time income stream is a statement weoften use: “Zero is You Hero.” What Imean by this is that you benefit from mar-ket gains while avoiding the losses, If youcould know your principal is safe frommarket volatility, wouldn’t you be interest-ed in this strategy?

Let’s discuss how it works. Let’s say youhave a 401(k), and you are on the verge ofretiring and do not want to risk your prin-cipal with the market. Your funds wouldbe linked to the index, but you would onlyreceive gains from the markets —not thelosses. This is because you receive interestcredits if the market performs well, but ifthe market takes a downturn, “Zero isYour Hero.”

“I have a client who had a 401(k), hadaccumulated $170,00) from her employerand was ready to retire with her husband.Although their goal was to take theirSocial Security benefit each month, theycould not maintain the lifestyle they want-ed without additional income. They haddecided to put the money in the bank andtake out $800 each month, or $9,600 ayear to supplement their income.

“The problem, however, was that theywould run out of money after about 17years. I gave them a different strategy thatwould allow them to take $1,600 a monthfor the rest of their lives, even after one ofthem died. Let’s do the math. Say theydraw on this money each month for 25years — that would amount to $480,000.Which strategy would you prefer?

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RETIREMENT

from page 9

retirement account. Many employersarrange for retirement savings accountslike a 401(k) for their employees. Suchaccounts are typically tax-deferred. As aresult, men and women likely won’t evennotice the money missing from their pay-checks each month. Take advantage of suchofferings if they exist. Such opportunitiescan be even more beneficial to latebloomers whose employers match contri-butions up to a predetermined percentage.

• Start saving as much as possible. Manypeople contribute 6 percent of their pay toa retirement savings account such as a401(k). That rule of thumb may be enoughfor young workers, but late bloomers mayneed to contribute a higher percentage oftheir incomes if they hope to catch up. If 10percent is doable, then contribute 10 per-cent, being sure to diversify how that 10percent is invested. Workers who canafford to contribute more might want toexplore other retirement account optionsso they avoid putting all of their eggs intoone basket.

• Avoid high-risk investments. Investors

trying to catch up on retirement savingsmay be tempted to invest their money inhigh-risk funds with the hope of making upground quickly. But investors typicallywant to reduce risk as they get older. Thatapproach should still govern late bloomers’investing decisions, as high-risk funds thatdon’t perform well could leave aginginvestors with little to nothing come retire-ment. Prospective investors who need helpchoosing the right funds for themselvesshould contact a financial advisor.

• Cut spending. Men and women gettinga late start on retirement saving shouldexamine their monthly expenses, lookingfor places to cut costs so they can reallocatethose funds for retirement savings. Someways to considerably reduce monthlyexpenses include cutting the cord with acable provider, driving a preowned vehicleinstead of a new model and downsizing toa smaller home.

Men and women who have delayed sav-ing for retirement should not panic. Whileit’s always best to begin saving for retire-ment as early as possible, there are waysfor late bloomers to catch up and/or createa decent-sized nest egg for their goldenyears.

The filing deadline to submit 2017 taxreturns is Tuesday, April 17, 2018, ratherthan the traditional April 15 date. In2018, April 15 falls on a Sunday, and thiswould usually move the filing deadline tothe following Monday – April 16.

However, Emancipation Day – a legalholiday in the District of Columbia – willbe observed on that Monday, whichpushes the nation’s filing deadline toTuesday, April 17, 2018.

Under the tax law, legal holidays in the

District of Columbia affect the filingdeadline across the nation.

The IRS also has been working withthe tax industry and state revenuedepartments as part of the SecuritySummit initiative to continue strength-ening processing systems to protect tax-payers from identity theft and refundfraud.

The IRS and Summit partners contin-ued to improve these safeguards to fur-ther protect taxpayers filing in 2018.

Tax deadline is April 17

IRS.Gov — As people prepare to file theirtaxes, there are things to consider. They willwant to determine if they need to file and thebest way to do so.

Here are three things for people to keep inmind as they prepare to file their taxes:

Who is Required to File. In mostcases, income, filing status and age determineif a taxpayer must file a tax return. Otherrules may apply if the taxpayer is self-employed or if they are a dependent of anoth-er person. For example, if a taxpayer is singleand younger than age 65, they must file iftheir income was at least $10,400. There areother instances when a taxpayer must file. Goto IRS.gov/filing for more information.

Filing to get a refund. Even if a taxpayerdoesn’t have to file, they should file a taxreturn if they can get money back. If a taxpay-er answers “yes” to any of these questions,they could be due a refund:

• Did my employer withhold federalincome tax from my pay?

• Did I make estimated tax payments?• Did I overpay last year and have it

applied to this year’s tax?Taxpayers can File for Free. Join the

millions of Americans who safely file theirtaxes and save money using IRS Free File.Seventy percent of the nation’s taxpayers areeligible for IRS Free File. Commercial part-ners of the IRS offer free brand-name soft-ware to about 100 million individuals andfamilies with incomes of $66,000 or less.Taxpayers who earned more can use Free FileFillable Forms. This option allows taxpayersto complete IRS forms electronically.

(MetroCreative) — Many people looktoward retirement with mixed feelings.There is the anticipation and excite-ment of no longer having to stick to aset schedule. However, there may besome trepidation about living without asteady income.

Bloomberg financial experts foundthe number of Americans aged 65 andolder without a disability that weren’tin the labor force rose to 800,000 inthe fourth quarter of 2016. This hasbecome a long-standing trend of BabyBoomers leaving the workforce andentering retirement. Yet, a StatisticsCanada study of people between theages 60 and 64 who had left long-termemployment found 43 percent of themwere working again, most within a yearof leaving their job. Although boredommay have compelled many of those peo-ple to reenter the workforce, some mayhave started working again to make endsmeet. Researchers found the higher theearnings in one’s late 40s, the more likelya retiree is to go back to work.

While retirees may need to alter theirspending habits, it is possible to live hap-pily on less. Here are some ways to dojust that.

• Accurately assess home expenses.The National Foundation for CreditCounseling says the cost of home-relatedexpenses accounts for roughly 45 percentof spending for retirees. Individuals canadd up exactly how much their homes arecosting them and then decide if downsiz-ing is a practical solution. Downsizinghas a host of benefits, not the least ofwhich is reducing housing-relatedexpenses.

• Invest in health care. Unexpectedhealth care costs can quickly depleteindividuals’ finances. That’s why it isessential to have a solid insurance plan inplace. Health care planning also mayinclude thinking ahead to long-term care,such as assisted living and nursinghomes. One may have to make conces-sions elsewhere, but investing in health

care can assuage concerns men andwomen might have about the cost of liv-ing in their golden years.

• Use alternative transportation. Carscan be expensive. A budget-friendly alter-native to driving is to use public trans-portation or transportation services pro-vided to seniors free or for nominal fees.

• Take advantage of senior discounts.Many restaurants, stores and service cen-ters offer discounts to seniors. The start-ing age for discounts may vary from storeto store, so always ask before cashingout.

• Shop for food differently. Bulk buysmay have been appropriate for men andwomen when there were kids runningaround, but empty-nesters can cut backon food expenses. Shopping sales andmaking more meals at home can helpseniors save money. The market researchfirm NPD Group found that in-homemeals cost roughly one-third of what itcosts to eat the same food at a restaurant.Save dining out for special occasions.

Retirees can make changes to savemoney without negatively affecting theirquality of life.

www.clevelandbanner.com Cleveland Daily Banner—Sunday, January 28, 2018— 11

6190 Georgetown Rd., NW 423-479-2847

www.eppersonsjewelers.com

1 The Express Refund Advance is an optional tax refund related loan provided by MetaBank® (it is not t he actual tax refund) at participating locations. Available for a limited time. The amount of the lo an will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features m ay apply. Tax returns may be filed electronically without applying for this loan. Loans offered in a mounts of $100, $200, $500, $750, $1,000 or $3,200. Only $200–$400 available no earlier than December 18, 2017 with a paystub (or other acceptable pre-y ear-end income verification), and remaining amounts available upon filing tax return with Jackson He witt® through the IRS. Availability and loan amount is subject to satisfaction of identity verification, eligibility criteria, and underwriting s tandards. IRS delays may affect the delivery timing of loan proceeds. Disbursement rules apply. Fund s loaded onto card within an hour and direct deposit next business day. Ask Tax Pro for details. Most offices are independently owned and operated.

or visit jacksonhewitt.com

Visit any of our 6 convenient locations

851 Keith St. NW Cleveland, TN 37311 423-476-5308

Athens Walmart 1815 Decatur Pike Athens, TN 37303 423-933-8737

Cleveland Walmart North 4495 Keith St. NW Cleveland, TN 37311 423-544-8649

Ooltewah Walmart 5588 Little Debbie Pkwy. Ooltewah, TN 37363 423-508-9004

Cleveland Walmart South 2300 Treasury Drive SE Cleveland, TN 37323 423-457-7970

Dayton Walmart 3034 Rhea County Hwy. Dayton, TN 37321 423-280-9282

Live

comfortably

on less

Filing taxes: 3 things to remember

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