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Wellness trends may come and go, but one woo-woo ingredient seems to be here to stay: CBD. As a non-psychoactive compound of marijuana, cannabidiol’s reign is still going strong, despite controversy surrounding its effectiveness. From tinctures to gummies to topical creams, chances are that the much-hyped phytocannabinoid, in one form or another, might make it onto your shopping list this year.

For those who haven't been following the compound’s steady and meteoric rise, its supposed benefits (which have not been supported or approved by the FDA) include aiding in post-workout recovery and chronic muscle pain, among other things. (As is the case with any new vitamin or supplement, you always should talk to your doctor before giving CBD a try.)

If you’ve got a friend who’s curious about the stuff — or if you’d just like to treat yourself  — then there’s no time like the present to give the gift of a CBD-infused treat. From gummy sweets and artisanal chocolates to tea and body oil, here are 25 infused giftables on our wish lists right now.

Refinery29 in no way encourages illegal activity and would like to remind its readers that marijuana usage continues to be an offense under Federal Law, regardless of state marijuana laws.

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Sara Coughlin, Khareem Sudlow

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On this day one year ago, Ahmaud Arbery, a 25-year-old Black man, was killed by two white men while out for a jog in his neighborhood in Georgia. For a while, the case evaded national attention due to COVID-19’s domination of the news cycle around the world and specifically in America. But in May 2020, that changed when a video that showed the confrontation leading to Arbery’s death was posted online by a local radio host. The new evidence circulated publicly after a district attorney recommended that the case go to a grand jury.

A year after her son was violently killed, eventually becoming a figure that triggered a resurgence of the Black Lives Matter movement in the summer of 2020, Arbery’s mother, Wanda Cooper-Jones, is speaking out. In an interview reflecting on the first year dealing with the loss of her son, Cooper-Jones describes her grief: “What happened in February last year changed my life. When I lost Ahmaud, I lost a part of myself.”

She also revealed that on the day of his death, she got a phone call with muddied details about the events that took place. “They initially called me and told me he had burglarized something. There was a fight over the gun and Ahmaud was shot and killed by the homeowner. I know that was different. Ahmaud was never, never accused of taking anything from anybody,” she said.

Arbery had been living with his mother at the time of his death. On February 23, Gregory McMichaels, 64, and his son, Travis McMichaels, 34, saw him running while he was out jogging. They chased him, shot him, and killed him, in an act of vigilante violence. The elder McMichaels, a former police officer who has only recently retired, defended his actions saying he thought Arbery looked like a robbery suspect in the neighborhood. Travis McMichael claimed he was fearing for his life, despite video evidence showing the two men literally hunting down and killing Arbery while a third person filmed it. While there was relatively little noise around his death initially, Arbery’s name and story would soon become one of the catalysts for the renewed Black Lives Matter uprisings during the summer and fall of 2020. 

“Early when it first happened, I could have just stopped and accepted what they told me, but I didn’t. And I thank God for giving me the intuition to push,” Cooper-Jones said. Although it took months for the public outcry over Arbery’s killing to really spread, Cooper-Jones continued to push to get answers, make known the injustice her family suffered, and hold the McMichaels accountable.

On May 21, both the McMichaels were finally arrested. But the movement to find justice for Arbery didn’t cease: protesters in Georgia focused their sights specifically on removing Brunswick District Attorney Jackie Johnson from office entirely, with many believing that the only reason the McMichaels were even arrested was because of the public backlash the office faced as a result of the video circulating. In November, that effort became a reality when Johnson lost her post as DA to Keith Higgins. 

On the anniversary of his death, at 5 p.m., Cooper-Jones and Arbery’s other loved ones plan to hold a candlelight vigil in Waynesboro, Georgia. She’s asked everyone to wear a blue ribbon in memory of him, hoping to continue keeping his fight alive.

“I knew he didn’t want me sad. He’d want me to be happy. So, I try to look at it that way as well. You know, he wouldn’t want his mommy sad, he would want me happy,” Cooper-Jones said. “[If I could speak to him now] I would tell Ahmaud that things are going better than before, that we do seek justice at this point. I think Ahmaud will be pleased with how, you know, the family and I have approached it. How we waited patiently, not let it change us, the people who we are. Ahmaud was love. So, it changed me, but I still know there is hope and we just pray for the better.”

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Elly Belle, Khareem Sudlow

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Tax season is here again, and though in many countries that means simply waiting for your government to tell you how much you’ll get refunded or how much you owe, in the U.S. it means spending a few hours — at least — figuring out your own tax liability, or paying someone to do it for you. It’s no wonder that there’s been memes on how it’s like playing a guessing game with serious consequences if you get it wrong.

You won’t actually go to jail just because you make a mistake on your tax return, but the larger point is that “filing taxes” is a simple term for what is often a convoluted equation — and it’s even more complicated to figure out in 2021 due to a number of COVID-related factors, such as stimulus checks and unemployment benefits. Ahead, we spoke to Kemberley Washington, CPA and tax analyst at Forbes Advisor, on what to look out for when filing taxes this year.

Still haven’t gotten your stimulus? Claim it on your taxes

“With the stimulus checks, the biggest thing this year is the Recovery Rebate Credit,” says Washington. “This is going to be for individuals who need to claim a stimulus payment, a person who has yet to receive their stimulus payment — the IRS has not issued it, or they received a partial payment. They may qualify for additional payment on their 2020 tax return.”

Who would this apply to? “A person whose income decreased in 2020 may qualify because maybe in 2018 or 2019, they’ve made too much money to qualify,” says Washington. Since the direct stimulus payments used income from previous years, not from 2020, the rebate is a way for more people to collect their $1,800 from the first two stimulus checks.

“It could also be a college student, a person who was claimed by their parents in 2018 or 2019, but is no longer a dependent,” she continues. “Also, if you had a new baby or adopted a child under the age of 17, you may now qualify for additional stimulus payments.”

Washington emphasizes that the stimulus payments were not considered income and therefore are not taxed. But while the direct payments weren’t garnished if you owed back taxes, the rebate can be garnished for back taxes. In any case, if you owe any amount of taxes this year, that amount will be deducted from your rebate credit — so you may not necessarily receive the full $1,800 that many Americans were eligible for.

Unemployment benefits will be taxed

Unfortunately, unemployment benefits are considered income, and you may have to pay taxes on them if you didn’t already choose to have them withheld before receiving the benefits — which many people did not, either because they didn’t know how to or because they needed all the unemployment assistance they could get to survive the pandemic.

“You will receive a form called 1099-G, which is going to indicate the amount of unemployment you received throughout the year,” says Washington. She notes that even if you opted to withhold unemployment taxes, you still have to report it on your tax return.

Unemployment benefits are subject to federal taxes, and most states tax them, too. Only New Jersey, Pennsylvania, Virginia, Montana, California, and Oregon exempt unemployment from being taxed. Democrats have introduced a bill that would exempt the first $10,200 of unemployment benefits from federal taxes, but it hasn’t passed Congress yet. 

This doesn’t mean you’ll definitely owe taxes this year — your tax liability depends on a lot of other factors as well. But it’s important to remember that unemployment benefits will be a big component of how your 2020 taxes are calculated, and if you usually expect a certain amount as your tax refund, it may be lower than that this year. And this means that you may want to file as early as possible to figure out exactly how much of a refund you’ll get, or how much you’ll have to pay by April 15th.

If you usually use a free or cheap tax filing software, you might also be wondering if unemployment will complicate your tax return so much that you won’t be able to file yourself. The good news, says Washington, is that some tax software already allows an easy way to include unemployment benefits on your tax return.

Gig workers and freelancers must pay self-employment taxes

If you did any gig work in the past year, and especially if it was your first time doing so, you’ll need to keep in mind that your tax situation is different. You’ll need to pay self-employment taxes, for one. “But also, not only are you responsible for self-employment taxes — you may be entitled to certain deductions to reduce those self-employment taxes,” says Washington. 

“For example, you may be able to take a home office deduction, you can take business mileage [deducations],” she continues. “You can also take off some of your cell phone expenses if you use it for business.”

Unfortunately, as of the Tax Cuts and Jobs Act of 2017, this type of home office deduction isn’t applicable if you’re an employee who’s been working from home. “But if you’re an employee and also have some side income from freelancing, then you’re able to take it,” Washington says.

A new tax credit rule for 2020

The Earned Income Tax Credit (EITC) is one of the most common tax credits that Americans with low to moderate incomes can take advantage of. If you’re eligible, you could receive anywhere from $538 to $6,660 in credits, depending on your household size and how many dependents you have.

But this year, it’s important to keep in mind that there’s something called a “lookback provision” intended to help people whose earnings were drastically different in 2020 due to COVID. Washington explains that this provision allows you to look at your 2019 tax year, not just your 2020 tax year, to determine which would give you the highest amount of earned-income credit. “That’s what the lookback provision is there for, because they recognize that some people didn’t have earned income in 2020, and they would no longer qualify,” she says. The same modified rule applies to the Child Tax Credit this year.

Okay, what if I owe taxes this year? Do I have to pay by April 15th?

For most, Tax Day is April 15th this year. If you’re a Texas resident, or your ability to file a tax return has been affected by the recent winter storm in the state, the IRS has extended the filing and payment deadline to June 15th.

If you haven’t been affected by the Texas disaster, you can easily request an extension on filing your tax return — but the deadline to make payments on owed taxes would still be April 15th.

With that said, that doesn’t mean you have to pay all of it at once. “The first thing you can do is contact the IRS — and you can do so online; you can create an account online and create a payment arrangement,” says Washington. “So that’s one way you can do monthly payments.”

You can also ask the IRS for a temporary delay on collecting your payment. “You can request, let’s say for instance, 120 days to pay this balance. The IRS is going to say yes, and what you’re saying is that within 120 days, you’re going to get this payment down to zero,” she explains. 

The bottom line is that the IRS is not looking to come after you, as long as you contact them to work out an alternate payment plan.

If I’m expecting a refund, when will I get it?

“If you’re a person who electronically files, you can expect that you’ll receive it within 21 days — and that’s normal,” says Washington. “But if you use a paper return, then you’re going to expect a lot of delays.” The IRS is still backlogged on tax returns from last year. If possible, you should definitely file your 2020 tax return electronically.

If you need more information, create an IRS online account first

Washington says that an IRS online account is a little-known feature that could help a lot of people who have questions. “Last year, many taxpayers had trouble reaching out to the IRS because it shut down operations,” she says. In fact, for a long time the IRS website explicitly discouraged people from calling them because phone lines were so overloaded.

“But there’s a tool that you can use called the Online Account. You can actually look at previous tax returns, you can pull your tax documents from this year, you can set up payment arrangements, you can look at payment history, you can do so much within this tool that I think it behooves anybody to make certain that they have this set up just in case, instead of calling the IRS and waiting just to talk to someone.”

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2020 was a rough year for all of us.

People lost their jobs, their businesses, and unfortunately, many people lost their lives or someone close to them.

The chaos of a global pandemic is something no one could predict. It truly is a once-in-a-lifetime situation. But setbacks can come in all sorts of shapes and sizes. From minor mistakes to catastrophic failures, we all experience setbacks and failures in life.

Now that we are well and truly into 2021, things are starting to look a little better.

Still, it can be hard to get back up after a big hit.

Here at RMRS, we had several setbacks last year. We lost revenue and sponsors. We had a month where for the first time ever – we were not making any profit.

I'm telling you this because I want you to know something important.

You are not alone.

If you got fired- I have been there. If your business failed – I have been there. If you're in debt – I have been there, and if you're filing for bankruptcy, you guessed it – I have been there.

But you know what? I'm are still here, and so are you.

“Success is not final, and failure is not fatal: it is the courage to continue that counts.” – Winston Churchill

If you want to turn failure into success, you need a shift in perspective.

When you have a setback, you can either complain about it or learn from it – even if it's not your fault.

If life hits you hard, learn to slip a punch and hit back twice as hard.

Click here to watch the video – I Declared Bankruptcy And Failed BIG (My PAINFUL Story)

1. Two Kinds Of Failures

Failure comes in 2 different flavors. There are internal failures, and these are mistakes you have made. Taking out too much debt, not saving money, wearing crocs.

Then there are external failures. These are mistakes other people have made or threatening situations that affect you.

Suppose you want to turn failure into success. In that case, you need to identify what kind of failure you're experiencing and how you can avoid it in the future.

It can be difficult and requires a level of humility and introspection. Some people refuse to accept responsibility for their own mistakes. Everything is someone else's fault. Others who lack confidence will blame themselves for everything even when something is not their fault.

It's essential to determine whether a failure is internal or external – if you want to turn failure into success.

Internal Failures

It can be hard to own up to your failures, but it is crucial for growth. You won't fix a problem if you can't admit there is one, and this can be even harder when the problem is you.

Your own bad decisions cause internal failures, not saving money, not getting enough sleep, not working out, eating a bad diet. You are responsible for all of these things. You are the only one who can fix them.

That is the key to internal failures, and you can almost always fix them. But it might take a change of strategy. For help with getting out of debt, don't forget to check out today's sponsor, Upstart.

We all make mistakes, and we are only humans. It's acknowledging and learning from them. That is how you turn internal failure into success.

External Failures

External failures are problems caused by external factors. Maybe your car breaks down. The stock market takes a dive. A global pandemic causes half the world to quarantine.

“But Antonio, if it's not my fault and I couldn't have known, how is it my failure?”

Good question. In a way, it's not. But at the same time, you made the mistake of not anticipating problems and mitigating risk.

If someone steals your phone, it's not your fault. That lies with the thief. But you are partially responsible. Did you put your phone somewhere safe, did you enable “find my phone,” and did you get it insured against theft?

If the answer to those questions is no, then you have failed to be responsible for your belongings.

When you fail to prepare, you invite disaster.

This type of failure is impossible to avoid or fully predict. The key to this kind of failure is to do what you can to anticipate what problems could occur and do what you can to reduce their impact in the event.

Get insurance, save money, have multiple income sources, save money, take care of your possessions, save money, and don't put all of your eggs in one basket. Oh, and did I mention you should save?

For more advice on saving money, check out my article: 5 SIMPLE Steps To Save $100,000 (My Story)

2. Don't Be Afraid To Ask For Help

Sometimes you dig yourself into a hole so deep it seems impossible to climb out on your own. Don't be afraid to ask for a hand to help pull yourself out. Asking for help is an act of courage, not weakness.

Everyone needs help sometimes, and only a fool lets his pride get in the way.

3. The Lessons To Learn From Failure

To turn failure into success, you need to be willing to learn and change. You need to drop your pride and be honest about who you are and where your weak points are.

Then work to make sure you fix them.

The unexpected will always happen, but you must control what you have the power to prevent. Have insurance an emergency fund so that it's an inconvenience, not an emergency if the worst happens.

Take failure as an opportunity to grow, and take these lessons and use them to become the man you know yourself to be.

The post How To Turn Failure Into Success (3 Steps To Change Your Mindset in 2021) appeared first on Real Men Real Style.

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