If you discover that you've made an error on your tax return, you may need to file an amended return. Though you don't need to file if you've made a simple math error or left out forms (the IRS corrects for those automatically), you should file an amended return for any missed credits, deductions, filing status, or income.

• Use Form 1040X to file an amended return.
   
• You'll need to use separate forms for each year that you need to amend.
   
• If you use any other forms or need to submit new documentation, attach them to the 1040X form.
   
• Pay any additional taxes you owe as soon as possible to avoid accruing additional interest and penalties.

* This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional.

Tip adapted from IRS.gov[8]

Good golfers have a common full-swing characteristic: they have learned to use both their arms and their lower body to power the ball during the downswing. To acquaint yourself with the way the legs and hips should act as the clubhead approaches the ball, try this simple drill.

Address a ball as you normally would, but don't take the club back. Instead, only move the clubhead forward. Try to drag the ball off the grass and into the air. If you just use your hands and arms, you will do this inconsistently. When you start moving the club with your body, it will happen more consistently, and you will get the feeling of how to turn fully and apply more power on the downswing.

• The 16-8 method involves consuming all your daily meals in an eight-hour period and fasting for the remaining 16. Research shows that an 18-6 method is even more effective, but many people find this too restrictive. It's also been shown that consuming your meals earlier in the day may be more beneficial.
   
• The Eat-Stop-Eat method and the 5:2 diet work similarly. They both recommend eating as usual for five days a week, but on two non-consecutive days, you either fast or eat around 500 to 600 calories, respectively.

Every state has its own recycling rules, which makes knowing what you can and can't recycle confusing.

Fortunately, there are quite a few websites that will help you figure out what you can recycle and wear. Earth911.com is a fantastic resource. You can search by your zip code and the item you want to recycle. Batteries, in particular, are something that you'll want to confirm are recyclable in your area. If your curbside recycling doesn't take them, there are many mail-in and drop-off locations.

Check out Earth911.com today and find out what you can do to keep waste out of landfills.

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Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

Diversification does not guarantee profit nor is it guaranteed to protect assets.

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.

The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general.

The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896.

The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies.

The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia, and Southeast Asia.

The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market.

Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

Past performance does not guarantee future results.

You cannot invest directly in an index.

Consult your financial professional before making any investment decision.

Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors.

These are the views of Platinum Advisor Strategies, LLC, and not necessarily those of the named representative,

Broker dealer or Investment Advisor and should not be construed as investment advice. Neither the named representative nor the named Broker dealer or Investment Advisor gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial professional for further information.

Summit Financial Group
Summit Financial Group of Indiana
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