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Three Smart Levers to Cut Your 2025 Tax Bill

Taxes are inevitable, but overpaying them isn’t. With new rules and opportunities in 2025, smart planning can help you keep more of your hard-earned money. Here are three effective levers to reduce your tax liability this year: 1. Maximize Retirement Contributions Contributing to retirement accounts such as RRSPs (Canada) or 401(k)/IRAs (U.S.) remains one of the most effective ways to lower taxable income. Contributions qualify for tax relief at your highest marginal rate, meaning every dollar you save reduces your tax bill significantly. Employer-matching programs make this even more attractive, and withdrawals in retirement can be structured for lower tax exposure. 2. Leverage Tax Credits and Deductions Common deductions include childcare expenses, education costs, and home office claims. Tax credits, unlike deductions, directly reduce the amount you owe, making them especially valuable. Temporary tax breaks introduced in 2025 can be maximized before they expire. 3. Use...

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Whale Experts Investigate Stranded Pod in Orkney

 

Cetacean experts from across the UK have descended upon Orkney to conduct examinations and post-mortems on a stranded pod of 77 pilot whales. The pod washed ashore on Sunday beach last Wednesday, marking what experts believe to be the largest mass stranding in nearly a century. The team, including members from the Scottish Marine Animal Stranding Scheme (SMASS) and the UK Cetacean Stranding Investigation Programme (CSIP), aims to determine the cause of this tragic event.

The pod, which included male whales measuring up to seven meters (22 feet) long, as well as females, calves, and juveniles, presented a massive undertaking for the experts. Local farmers are on standby to assist with the removal of the carcasses. While some animals were still alive initially, the decision was made to euthanize them after rescue efforts proved challenging.

The investigations involve measuring each carcass and collecting samples of skin, blubber, and muscle. Due to the scale of the stranding, post-mortems will be carried out on some, but not all, of the animals. The site’s difficult accessibility has required the assistance of Sanday locals, who have been transporting experts using four-by-four vehicles. The emotional impact of witnessing so many animals lying on the beach has left the experts feeling helpless, yet they remain committed to understanding the tragedy that unfolded.

As the examinations continue, the scientific community hopes to gain insights into the factors contributing to this devastating event, shedding light on the challenges faced by marine life in our changing world. The Orkney strandings serve as a somber reminder of the delicate balance between human activity and the natural environment


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