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By Kemberley Washington, CPA, Bankrate.com The IRS Direct File program, which lets taxpayers file their federal income tax return directly with the IRS for free, is doubling its reach to 24 states for the 2025 tax season, up from 12 states in 2024, the program’s pilot year. The Direct File program will also accept more types of tax situations for the 2025 tax season. While taxpayers who used the system in 2024 could claim a handful of tax credits, including the earned income tax credit and the child tax credit , that list is expanding in 2025 to include the child and dependent care credit , among others. An estimated 30 million taxpayers will qualify for the Direct File program in 2025, the IRS says. More than 140,000 taxpayers filed their federal tax returns through the Direct File program in 2024. About 90% of users said their experience was excellent or above average, according to a survey of about 11,000 Direct File users in 2024, conducted by the General Services Administration. “We’re excited about the improvements to Direct File and the millions more taxpayers who will be eligible to use the service this year,” said Danny Werfel, the IRS commissioner, in a statement. “Our goal is to improve the experience of tax filing itself and help taxpayers meet their obligations quickly and easily.” The IRS says that taxpayers can use Direct File when the 2025 tax season kicks off in January, and it will be available until Oct. 15, 2025. But the program’s future is somewhat unclear: In December, 29 Republican lawmakers sent a letter to President-elect Donald Trump, calling for him to end the Direct File program on his first day in office. Lawmakers in the U.S. House of Representatives also introduced legislation in July to end the Direct File program. For now, here’s what you need to know about how the IRS Direct File program works, and how to qualify for it. The Direct File program is a new initiative, about to enter its second year, that allows taxpayers to file their federal tax returns electronically with the IRS. The no-cost tool guides taxpayers through every part of their federal income tax return. Taxpayers can file using a smartphone, computer or tablet. One of the program’s advantages is that, if you have questions as you’re working on your return, you can get live support directly from the IRS via chat or phone. IRS representatives can answer basic tax questions and help with technical issues in English and Spanish. The Direct File program has income limits, as well as limits on the types of income, deductions and credits you can enter on your tax return. For the 2025 tax season: To be eligible for Direct File, your income can come from the following sources: But if you’re self-employed, or have business or rental income, you can’t use Direct File . Same goes for IRA contributions or distributions: If you have either, you can’t use Direct File. You can use the IRS Direct File program only if you claim the standard deduction — the program isn’t available to people who itemize. But you can claim certain above-the-line deductions: student loan interest , educator expenses and health savings account contributions . You can’t use Direct File if you want to deduct your IRA contributions. The Direct File program allows for the following tax credits in 2025: However, if you want to claim education credits , credits for energy efficient home upgrades or the adoption expense credit , you can’t use the Direct File program. More taxpayers will have access to the IRS Direct File program in 2025. In 2024, the IRS kicked off the program with only 12 states; that number has expanded to 24 states for the 2025 tax season. For some of the states that participate in the IRS Direct File program, your federal return information will be transferred automatically to the state tax website, but in some cases you’ll have to re-enter your information. Visit this IRS Direct File page to get the details for your state. Here is a list of the participating states: If you don’t qualify for the IRS Direct File program, you may have other options to file your tax return for free. In addition to Direct File, the IRS offers the Free File program, in which it partners with online tax software providers to provide free federal income tax return filing. Some providers also allow you to file a state income tax return. For the 2024 tax season, your adjusted gross income had to be less than $79,000 to qualify for the Free File program. That dollar threshold is likely to rise slightly for the 2025 tax season. The IRS also offers the Volunteer Income Tax Assistance (VITA) program, which provides certified volunteers to prepare basic tax returns if you earn less than $67,000 a year, are disabled, or speak limited English. You can find a site near you by visiting this IRS page . ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.STOCKHOLM, Sweden - Physics Nobel Prize winner Geoffrey Hinton and chemistry laureate Demis Hassabis on Saturday insisted on a need for strong regulation of artificial intelligence, which played a key role in their awards. "AI is a very important technology to regulate but I think it's very important that we get the regulations right and I think that's the hard thing at the moment is it's such a fast moving technology," Hassabis told a news conference in Stockholm. Hassabis, who jointly won with Americans David Baker and John Jumper for revealing the secrets of proteins through AI, said such evolutionary speed posed a giant challenge. But the underlying issue, he said, is "about what do we want to use these systems for, how do we want to deploy them and making sure that all of humanity benefits from what these systems can do." British-Canadian Hinton, considered the "Godfather of AI," conceded that "I wish I'd thought about safety earlier," in allusion to his fears about the potential for AI to ramp up the arms race. Hinton, who made headlines when he quit Google last year and warned of the dangers machines could one day outsmart people, was awarded his Nobel along with American John Hopfield for work on artificial neural networks. "Governments are unwilling to regulate themselves when it comes to lethal autonomous weapons and there is an arms race going on between all the major arms suppliers like the United States, China, Russia, Britain, Israel.'' Hassabis said he was recommending governments come up with "fast and nimble regulations." He said he had been advising governments and civil society to build on regulations in domains such as healthcare and transport "and see how the technology develops and then quickly adapt to the way that's going." He told AFP he had had discussions with Elon Musk about the "existential threat" posed by inappropriate use of AI and indicated the tech billionaire was concerned at the potential for AI to wrest control from humans. He added that he was confident Musk would "communicate that to Trump and his administration" when Donald Trump returns to the White House in January. But he warned that he was not sure if all of Trump's team would necessarily be sufficiently attuned to the risks entailed, adding that he believed Musk himself is not a "particularly moral" person. — Agence France-PresseZETA Stock News – Lead Plaintiff Deadline Approaching – Robbins LLP Urges Investors with Large Losses to Seek Counsel in the Zeta Global Holdings Corp. Class Action

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Irish sevens star Chay Mullins crowned his Connacht debut by scoring a hat-trick as they blew Zebre away in the opening game of the European Challenge Cup. It was a night of celebration at Dexcom Stadium with academy players Sean Naughton from Galway and Fiachna Barrett from north Mayo also making their debuts. Argentine international Santiago Cordero also scored his first try on a night when Caolin Blade made his 200th appearance, and Paul Boyle notched up 100. Connacht were in the driving seat when they led 17-5 at the break having played against the strong wind in the opening half. The Italians deservedly hit the front after seven minutes after a good bout of attacking rugby and flanker Bautista Stavile peeled away from an attacking lineout . He burst through the tackle of his Argentine compatriot to score in the right corner after seven minutes. Giovanni Montemauri missed the conversion and was also off target with a penalty from 35 metres as they tried to build a lead. But Connacht settled and two players marking milestones —Boyle and Blade— set up their opening score with a break from deep which was recycled across the pitch for debutant Mullins to score in the left corner after stepping inside. The Irish Olympic sevens star then added a second try on his Connacht debut when he scored down the right after David Hawkshaw, Jack Carty and Blade were heavily involved in the build-up. Carty added the conversion to lead 12-5 after 29 minutes. Connacht pushed on from there and a superb lineout maul secured their third try five minutes from the break, with hooker Dylan Tierney-Martin touching down in the right corner to lead 17-5 at the interval. Zebre lost replacement Rusiate Nasove to a yellow card before the break for a croc-roll on Boyle and Connacht. But they made the extra count after the restart with Boyle marking his 100th appearance with the bonus point try off a scrum. Carty’s conversion made it 24-5. Boyle put Mullins through to complete his hat-trick after 63 minutes before Argentine international Cordero got in to score in the closing stages. The Italians pulled one back from replacement scrum-half Alessandro Fusco but Boyle had the final say on a memorable night when he got in for his 24th try — becoming Connacht’s all-time top try-scoring forward — on his 100th appearance. Scorers: Connacht: Tries: C Mullins (3), P Boyle (2) D Tierney-Martin. Cons: Carty (2), S Naughton (2). Zebre: Tries: B Savile, A Fusco. Con: Fusco. Connacht: S Jennings; C Mullins, D Hawkshaw (B Ralston 60), C Forde, S Cordero; J Carty (S Naughton 60), C Blade (M Devine 60); J Duggan (T Lasisi 60), D Tierney-Martin (E de Buitlear 60), J Aungier (F Barrett 60); D Murray, O Dowling (D O’Connor 60); J Murphy (O McCormack 67), S Hurley-Langton, P Boyle. Zebre: G Montemauri (S Gregory 31); F Bozzoni, F Drago, E Lucchin, S Gesi; G da Re, T Dominguez; P Buonfiglio, L Bigi (c) (G Ribaldi 6), M Hasa (M Nocera 50), M Canali, L Krumov, G Milano, B Stavile (J Bianchi 54), G Ferrari (R Nasove 35). Referee: Adam Jones (Wales)(BPT) - The new year is a good time to reset. From a fresh start on lifestyle choices, hobbies or pursuits, to the less exciting — but no less important — aspects of life, like memberships, contracts and even health insurance. Health insurance deductibles reset in the new year, so it's a good idea to keep that in mind as you plan for healthcare expenses. Any changes made to your health insurance plan during open enrollment go into effect as well. "Even if you spent hours researching your health plan before making a selection, there's always a possibility for the occasional surprise once coverage kicks in, which is why it's important to assess your healthcare coverage and address any gaps before January 1," said Doug Armstrong, Vice President of Health Products and Services at AARP Services, Inc. "AARP members can take advantage of benefits available to them to help find the coverage and savings information they seek." 1. Examine your vision coverage Eye health is important to quality of life, both in terms of moving around safely and appreciating your surroundings. Regular eye exams with an ophthalmologist or optometrist can help make sure your vision is sharp while also monitoring for any issues. However, many health insurance plans don't include vision coverage. If you do see a gap in your coverage, AARP members have access to information on vision insurance options that offer individual and family plans, featuring a large doctor network, savings on frames, lens enhancements, progressives and more. 2. Plan for prescriptions While several health plans offer coverage for prescription drugs, discounts can vary, especially when it comes to different types of medication. AARP ® Prescription Discounts Provided by Optum RX ® can help with savings. This program offers a free prescription discount card that can be used at over 66,000 pharmacies nationwide for savings on FDA-approved medications. Additional benefits for AARP members include home delivery, deeper discounts on medications, coverage for dependents and more. 3. Confirm your primary care With a new health insurance plan, you might find that your primary care physician is no longer in-network or that they no longer accept your insurance. Perhaps you have relocated and are in the market for a new doctor. Whatever the case, there's no time like the present to search for a new primary care physician who meets your needs. If you're on Medicare, Oak Street Health can be a great resource. The only primary care provider to carry the AARP name, Oak Street Health provides primary care for adults on Medicare and focuses on prevention with personalized care to help keep you healthy — physically, mentally and socially. Benefits include same-day/next-day appointments where available, convenient locations, a dedicated care team and a 24/7 patient support line. AARP membership is not required to visit an Oak Street Health location. 4. Protect your smile Optimal dental care includes daily brushing and flossing and a visit to the dentist every six months. During your visit, the dentist can monitor for and treat any issues, such as cavities or gum disease. However, not all plans include dental insurance, which means you might end up paying out of pocket for your cleaning and other procedures. To avoid that, take a look at your coverage. If needed, explore information on dental insurance options that offer individual or family coverage for the most common dental procedures. Dental insurance generally pays for regular check-ups, so many people who purchase protection will benefit from it immediately. 5. Clarify your hearing coverage Hearing loss is a common age-related ailment. According to the National Institute on Aging , one-third of older adults have hearing loss, and the chance of developing hearing loss increases with age. Hearing aids can be an enormous help, improving socialization, boosting confidence and even helping to increase balance. However, many insurance plans do not include coverage for hearing aids. AARP ® Hearing SolutionsTM provided by UnitedHealthcare ® Hearing provides savings on hearing aids and hearing care . Members can save an average of $2,000 per pair on prescription hearing aids and 15% on accessories — no insurance needed. Plus receive a hearing exam and consultation at no cost and personalized support through a large nationwide network of hearing providers. 6. Consider physical therapy Often, the only times that people consider whether their health insurance covers physical therapy is if they already participate in it or after the doctor has prescribed it. As we age, though, physical therapy can be a useful tool in improving balance or recovering from an injury or procedure to help you remain active. Fortunately, the question of coverage or finding an in-network location doesn't have to derail you. AARP ® Physical Therapy At HomeTM by Luna accepts most insurances and Medicare and is available to members and non-members alike. Plus, Luna's experts come to you, so you can receive quality care from the comfort of your home. If you're creating an end-of-year to-do list, consider adding an assessment of your healthcare coverage. After all, the best time to realize you have a gap in coverage is before you need it. To learn more about AARP member benefits, visit aarp.org/benefits . AARP and its affiliates are not insurers, agents, brokers or producers. AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

Stocks closed higher on Wall Street at the start of a holiday-shortened week. The S&P 500 rose 0.7% Monday. Several big technology companies helped support the gains, including chip companies Nvidia and Broadcom. The Dow Jones Industrial Average added 0.2%, and the Nasdaq composite rose 1%. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get updates and player profiles ahead of Friday's high school games, plus a recap Saturday with stories, photos, video Frequency: Seasonal Twice a weekGlobal Urgent Care EMR Software Market Size, Share and Forecast By Key Players-AdvancedMD, DrChrono, athenahealth, Kareo, Bizmatics Software

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New Canadians, non-traditional demographics boost minor hockey uptake in B.C.NEW YORK (AP) — The huge rally for U.S. stocks lost momentum on Thursday as Wall Street counted down to a big jobs report that’s coming on Friday. The crypto market had more action, and bitcoin briefly burst to a record above $103,000 before pulling back. The S&P 500 slipped 0.2% from the all-time high it had set the day before, its 56th of the year so far, to shave a bit off what’s set to be one of its best years of the millennium . The Dow Jones Industrial Average fell 248 points, or 0.6%, while the Nasdaq composite slipped 0.2% from its own record set the day before. Bitcoin powered above $100,000 for the first time the night before, after President-elect Donald Trump chose Paul Atkins, who's seen as a crypto advocate, as his nominee to head the Securities and Exchange Commission. The cryptocurrency has climbed dramatically from less than $70,000 on Election Day, but it fell back as Thursday progressed toward $99,000, according to CoinDesk. Sharp swings for bitcoin are nothing new, and they took stocks of companies enmeshed in the crypto world on a similar ride. After rising as much as 9% in early trading, MicroStrategy, a company that’s been raising cash just to buy bitcoin, swung to a loss of 4.8%. Crypto exchange Coinbase Global fell 3.1% after likewise erasing a big early gain. Elsewhere on Wall Street, stocks of airlines helped lead the way following the latest bumps up to financial forecasts from carriers. American Airlines Group soared 16.8% after saying it’s making more in revenue during the last three months of 2024 than it expected, and it will likely make a bigger profit than it had earlier forecast. The airline also chose Citi to be its exclusive partner for credit cards that give miles in its loyalty program. That should help its cash coming in from co-branded credit card and other partners grow by about 10% annually. Southwest Airlines climbed 2% after saying it’s seeing stronger demand from leisure travelers than it expected. It also raised its forecast for revenue for the holiday traveling season. On the losing end of Wall Street was Synposys, which tumbled 12.4%. The supplier for the semiconductor industry reported better profit for the latest quarter than analysts expected, but it also warned of “continued macro uncertainties” and gave a forecast for revenue in the current quarter that fell short of some analysts’ estimates. American Eagle Outfitters fell even more, 14.3%, after the retailer said it’s preparing for “potential choppiness” outside of peak selling periods. It was reminiscent of a warning from Foot Locker earlier in the week and raised more concerns about how resilient U.S. shoppers can remain. Solid spending by U.S. consumers has been one of the main reasons the U.S. economy has avoided a recession that earlier seemed inevitable after the Federal Reserve hiked interest rates to crush inflation. But shoppers are now contending with still-high prices and a slowing job market . This week’s highlight for Wall Street will be Friday’s jobs report from the U.S. government, which will show how many people employers hired and fired last month. A report on Thursday said the number of U.S. workers applying for unemployment benefits rose last week but remains at historically healthy levels. Expectations are high that the Fed will cut its main interest rate again when it meets in two weeks. The Fed began easing its main interest rate from a two-decade high in September, hoping to offer more support for the job market. In the bond market, the yield on the 10-year Treasury edged down to 4.17% from 4.18% late Wednesday. The S&P 500 fell 11.38 points to 6,075.11. The Dow sank 248.33 to 44,765.71, and the Nasdaq composite lost 34.86 to 19,700.26. In stock markets abroad, indexes were mostly calm in Europe after far-right and left-wing lawmakers in France joined together to vote on a no-confidence motion that will force Prime Minister Michel Barnier and his Cabinet to resign. The CAC 40 index in Paris added 0.4%. In South Korea, the Kospi fell 0.9% to compound its 1.4% decline from the day before. President Yoon Suk Yeol was facing possible impeachment after he suddenly declared martial law on Tuesday night. He revoked the martial law declaration six hours later. Crude oil prices slipped after eight members of the OPEC+ alliance of oil exporting countries decided to put off increasing oil production. AP Business Writers Yuri Kageyama and Matt Ott contributed.

Iowa moves on without injured quarterback Brendan Sullivan when the Hawkeyes visit Maryland for a Big Ten Conference contest on Saturday afternoon. Former starter Cade McNamara is not ready to return from a concussion, so Iowa (6-4, 4-3) turns to former walk-on and fourth-stringer Jackson Stratton to lead the offense in College Park, Md. "Confident that he'll do a great job," Iowa coach Kirk Ferentz said of Stratton on his weekly radio show. "He stepped in, did a really nice job in our last ballgame. And he's got a good ability to throw the football, and he's learning every day. ... We'll go with him and see what we can do." Iowa had been on an upswing with Sullivan, who had sparked the Hawkeyes to convincing wins over Northwestern and Wisconsin before suffering an ankle injury in a 20-17 loss at UCLA on Nov. 8. Stratton came on in relief against the Bruins and completed 3 of 6 passes for 28 yards. Another storyline for Saturday is that Ferentz will be opposing his son, Brian Ferentz, an assistant at Maryland. Brian Ferentz was Iowa's offensive coordinator from 2017-23. "We've all got business to take care of on Saturday," Kirk Ferentz said. "I think his experience has been good and everything I know about it. As a parent, I'm glad he's with good people." Maryland (4-6, 1-6) needs a win to keep its hopes alive for a fourth straight bowl appearance under Mike Locksley. The Terrapins have dropped five of their last six games, all by at least 14 points, including a 31-17 loss at home to Rutgers last weekend. "It's been a challenging last few weeks to say the least," Locksley said. The challenge this week will be to stop Iowa running back Kaleb Johnson, who leads the Big Ten in rushing yards (1,328) and touchdowns (20), averaging 7.1 yards per carry. "With running backs, it's not always about speed. It's about power, vision and the ability to make something out of nothing," Locksley said. "This guy is a load and runs behind his pads." Maryland answers with quarterback Billy Edwards Jr., who leads the Big Ten in passing yards per game (285.5) and completions (268). His top target is Tai Felton, who leads the conference in catches (86) and receiving yards (1,040). --Field Level MediaOman celebrates historic launch Of Duqm-1 rocket

Participation in hockey in British Columbia was struggling in 2021 — the pandemic had dealt a heavy blow to player registrations, and numbers had already been flagging before COVID-19 arrived. “I think there were a lot of families that were impacted at that time,” said Pacific Coast Amateur Hockey Association president Melanie Earland, whose group governs minor hockey in B.C.’s Lower Mainland, including Metro Vancouver. “The world changed,” she said. Player participation had peaked in 2016-2017 with more than 62,000 registrations, Hockey Canada statistics for B.C. show, falling under 58,000 just before the pandemic began in 2020, then plummeting to 39,056 that season. Rising costs and growing competition from other sports had also been chipping away at youth hockey participation. But that is now changing, with registration for this season in B.C. surging past the 63,000 mark, a rebound that follows a concerted effort to make the game more accessible, especially to groups not traditionally linked to the sport such as new Canadians and Indigenous communities. Tom Oberti, president of the West Vancouver Minor Hockey Association, said his organization had seen record registrations this year, more than 8 per cent higher than last season. “We’re bursting at the seams,” Oberti said, noting the association has had to look outside West Vancouver to find ice time to fit all the players. “The reason why we’ve grown is because we’ve put a lot of effort into reaching out to new, non-traditional hockey demographics,” he said. “For example, we run ball hockey programs in elementary schools to introduce the sport, and we’ve done a lot to reach out to the Mandarin-speaking community, because it’s a growing segment of our community on the North Shore.” Oberti said the association has leveraged Mandarin- and Persian-speaking families already with kids in youth hockey, establishing links to new players through parent groups on social media platforms targeting specific communities such as WeChat and WhatsApp as well as word of mouth from schoolchildren who already play the game. Families new to Canada want to do things they consider Canadian, Oberti said, and they are embracing hockey. “Hockey has an advantage there,” he said. “There are a lot of families that do want to participate in the sport — or who are interested in the sport — because of the way it’s intertwined in the fabric of social life in Canada.” At the Richmond Jets Minor Hockey Association, vice-president Trent Gustafson said while his group has seen about a 15-to-20 per cent drop-off in participation from a peak in 2018-2019, registration is growing again, and players from non-traditional communities make up a big part of that rebound. “We’re up to around 915 to 920 kids playing hockey at Jets this year,” Gustafson said. “We don’t collect (data) in terms of the ethnicity of our members specifically, but I can safely say more than half are non-Caucasian members.” Just as important as getting children in these communities playing hockey, Gustafson said, is the fact that parents new to the game are also eager to volunteer. He said that is a vital contribution to the minor hockey system largely run by volunteers and parents in their spare time. “Those parents are, frankly, just as crazy hockey parents as you’re getting in some of the other cities and towns in not only British Columbia but across the country,” he said. “It’s interesting, the people it seems these days that are almost more willing to volunteer are some of the newer people to hockey. They’ve just fallen in love with the game.” Earland said other efforts to attract players include a try-hockey-for-free program in Cloverdale, B.C., for Indigenous youth, and they are trying to make the game more affordable through equipment programs and other initiatives. “Nobody in minor hockey wants to hear a family say, ‘We want to play but our kids can’t afford it or we can’t afford it,’” she said. She said she wants every child to have an opportunity to play hockey. “It’s a fabulous sport. It offers friendships and teamwork and camaraderie for all of our youth.” Chilliwack Minor Hockey Association president Lee McCaw said his group does not target any specific community for new players, but the province’s rapid population growth and its diversity means more kids being registered from every background. “I think our inclusion for everybody to be able to participate is huge,” McCaw said. “We have a huge First Nations population in our city, and there’s a lot of learn-to-skate programs that are specifically designed for every ethnicity group and everybody inclusively, together and within Chilliwack.” Nathan Bosa, the president of the Kamloops Minor Hockey Association, said even if there are no specific programs aimed at the diverse newcomer groups, sport could be an opportunity to support them. “We’re talking about this as a board a while ago, about having a program for new people coming into Canada and into Kamloops (to) give them a little bit of an instruction on how things work,” Bosa said. “It’s something that we’re going to be looking at in the new year. I think we’ve started to see that the influx is very noticeable, and it’s good. Getting children into sport, whether it’s hockey or something else, allows children and their parents to make friends and it brings them into the community, Bosa said. Bosa and McCaw also noted the impact of hockey exposure in the South Asian community as another factor in attracting new players, including Hockey Night in Canada’s Punjabi broadcast, and homegrown talent such as Arshdeep Bains from Surrey playing for the Vancouver Canucks in February. The Winnipeg Jets, meanwhile, signed forward Kevin He to a three-year entry-level deal this month, making him the first player born in China to ink an NHL deal. Scott Furman, Hockey Canada’s vice-president of growth and retention, said progress has also been made on other fronts, with the visibility of women’s hockey skyrocketing as the Professional Women’s Hockey League drives female player registration to a new high beyond 100,000 countrywide this season. Furman said the upheaval and change in management at Hockey Canada in recent years meant a new approach, bringing inclusion and more programs to help with the costs of the game. He said the rebound in B.C. is symbolic of this change. “Last season, for the first time, we hit 50,000 players that identified as black, Indigenous or people of colour, and that was an 8-per-cent increase on the previous season,” Furman said. “In B.C., I think about 19 per cent of players identify as black, Indigenous or people of colour, which is well above the national average. And the South Asian community represents 4.5 per cent of all players — a 46 per cent increase since the 2021 season. “It certainly is a positive trend, but nothing’s taken for granted. And we’ve got to continue to do the work to make sure that it continues in that fashion.”