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It's easy to regard the bedroom as a design afterthought. After all, how many people actually see it? But you do spend a third of your life in there—it should be a retreat from the chaos of the world outside. And designers are always coming up with new ideas to improve the space.

Repeat after us: In 2018, your bedroom will be boring no more. If you're looking for some quick ways to shake up your sleep sanctuary, we've got you covered. Read on for of-the-now inspiration that's certain to take your boudoir from dowdy to downright dreamy.

1. A return to luxury
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You know the generational drill—or at least you think you do.Millennials, the conventional wisdom goes, are tech-obsessed, self-obsessed, debt-laden, and weirdly fascinated by beards and avocados. Generation X: cynical, self-reliant, often forgotten. Baby boomers: rebellious, materialistic, obstinate, unhealthily obsessed with late-night cable news.

But through all of their stark differences, card-carrying members of each group share one unifying goal: to live in a place that neatly checks off the boxes on their master list of needs, hopes, and dreams. As the millennials say, YOLO. Yet when it comes time to pack up the U-Haul and move to a new home, millennials, Gen Xers, and boomers all define this in different ways—and in different places.

Read more here.

It's tax time, and you're claiming those office expenses and miles logged getting to and from work, but are you taking the "Saver's Credit"? The Saver's Credit, also referred to as the Retirement Savings Contributions Credit by the Internal Revenue Service, is available to eligible taxpayers who are saving for retirement, yet 64 percent of workers are unaware of the credit, according to the 18th Annual Transamerica Retirement Survey.

"As a tax credit, the Saver's Credit is an important incentive to save for retirement in a 401(k), 403(b) or IRA. By saving for retirement and claiming the credit, eligible taxpayers may be able to lower their federal income taxes," says Catherine Collinson, president of nonprofit Transamerica Center for Retirement Studies. "Millions of Americans who are already saving for retirement could be missing out on the Saver's Credit simply because they don't know it exists. Among those who are not yet saving for retirement, the Saver's Credit could be the incentive they need to get started."

What Is the Saver's Credit?

The Saver's Credit is a non-refundable tax credit that may be applied up to the first $2,000 of voluntary contributions an eligible worker makes to a 401(k), 403(b) or similar employer-sponsored retirement plan, or a traditional or Roth IRA. The maximum credit is $1,000 for single filers or individuals and $2,000 for married couples.

"The Saver's Credit is a tax credit in addition to the benefit of tax-advantaged savings when contributing to a 401(k), 403(b) or IRA. Many eligible retirement savers may be confusing these two incentives because the notion of a double tax benefit seems too good to be true," says Collinson.

Who Can Claim the Saver's Credit?

The credit is available to workers ages 18 years or older who have contributed to a company-sponsored retirement plan or IRA in the past year and meet the Adjusted Gross Income (AGI) requirements:

- Single filers with an AGI of up to $31,000 in 2017 or $31,500 in 2018 are eligible;

- For the head of a household, the AGI limit is $46,500 in 2017 or $47,250 in 2018; and,

- For those who are married and file a joint return, the AGI limit is $62,000 in 2017 or $63,000 in 2018.

Additionally, the filer cannot be a full-time student and cannot be claimed as a dependent on another person's tax return.

How Can Workers Claim the Saver's Credit?

"Workers who are eligible to receive the Saver's Credit are at risk of missing it if they use the wrong tax form. If you are eligible to claim the Saver's Credit, you should use Form 1040, Form 1040A or Form 1040NR. The Saver's Credit is not available on Form 1040EZ," says Collinson.

Another important and potentially overlooked opportunity is the IRS Free File program. Workers who are eligible to claim the Saver's Credit are also eligible to take advantage of this program that offers federal income tax preparation software for free to tax filers with an AGI of $66,000 or less. Unfortunately, a concerning 55 percent of workers are unaware of this program, according to the 18th Annual Transamerica Retirement Survey. Twelve companies make their tax preparation software available through this program at www.irs.gov/FreeFile. Certain restrictions may apply.

Tips for claiming the Saver's Credit:

- If you’re using tax preparation software to prepare your tax return, including those programs offered through the IRS Free File program, use Form 1040, Form 1040A or Form 1040NR. The credit is not available with Form 1040EZ. If your software has an interview process, be sure to answer questions about the Saver's Credit, also referred to as the Retirement Savings Contributions Credit and/or Credit for Qualified Retirement Savings Contributions.

- If you’re preparing your tax return manually, complete Form 8880, Credit for Qualified Retirement Savings Contributions, to determine your exact credit rate and amount. Then, transfer the amount to the designated line on Form 1040, Form 1040A or Form 1040NR.

- If you’re using a professional tax preparer, be sure to ask about the Saver's Credit.

- If you receive a refund, consider directly depositing it into an IRA to further boost your retirement savings.

"Please spread the word about the Saver's Credit by telling your family, friends and colleagues – and be sure to check whether you're eligible. Many people who contributed to a 401(k) plan or IRA in 2017 are eligible to receive it, but may be missing out because they don't know about it," says Collinson. "Those who are eligible but did not save last year can still contribute to an IRA until April 17, 2018 and may be able to claim the Saver's Credit for 2017."

Source: Transamerica Center for Retirement Studies

Home sellers had it good at the end of last year, racking up profits they hadn't seen in more than a decade, a new report finds.

In the last quarter of 2017, sellers pocketed an average $54,000 over what they originally paid for their homes, according to a recent ATTOM Data Solutions report. That's up 0.49% over the previous quarter and nearly 14.6% over the same quarter the previous year.

And it's the most sellers have netted, an average 29.7% profit, since the third quarter of 2007. Thank the national housing shortage for those sky-high returns.
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If you're a homeowner, you already know that keeping your property in tiptop shape requires dedication and patience for ongoing maintenance. But what if you've put your home on the market, or even accepted an offer? Perhaps you're thinking: Not my problem anymore.

Sorry, folks, we've got news for you: Just because you’re selling doesn't mean you're off the hook from routine maintenance tasks—and that's especially true if you’ve already vacated the house.

Sure, a well-cared-for house shows better: Small things like broken doorbells and leaky faucets make buyers wonder if your property also has bigger issues elsewhere. But more important, a little routine maintenance can help you avoid a catastrophic problem down the line (e.g., burst pipes, roof leaks, critters moving into your attic) that could devalue your property and derail that sale.

More here.