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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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Coconut Macaroons

 


Ingredients:

- 2/3 cup all-purpose flour

- 5 1/2 cups sweetened shredded coconut

- 1/4 teaspoon salt

- 1 (14-ounce) can sweetened condensed milk

- 2 teaspoons vanilla extract


Instructions:

1. Preheat your oven to 350°F (175°C). Line a baking sheet with parchment paper.

2. Mix the flour, coconut, and salt in a large bowl.

3. Add the sweetened condensed milk and vanilla extract, and stir until well combined.

4. Scoop out tablespoonfuls of the mixture and place them on the prepared baking sheet, spacing them about 1 inch apart.

5. Bake for 12-15 minutes, or until the edges are golden brown.

6. Cool on the baking sheet for a few minutes before transferring to a wire rack to cool completely.


Enjoy baking and indulging in your homemade treats! 

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