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Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

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  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
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  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
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  • Professor Stefan Witte, Delft University of Technology
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Smart ways to budget your tax refund

By: Brandpoint

(BPT) - Tax season is here, and many Americans are eagerly awaiting their tax refunds. While it might be tempting to splurge on something fun, there are other clever ways to use this extra cash to improve your financial budget this tax season. Here are three savvy tips to help you budget your tax refund:

1. Opt for a budget-friendly phone plan

Consider using your tax refund to switch to a more affordable and flexible phone plan. There are various no-contract plans available that can help you save money every month. For instance, you can find deals offering 50% off your Total Wireless 5G Unlimited plan when you bring your own phone and sign up for Auto Pay*. This means you could get one line for just $25 per month, with taxes and fees included, guaranteed for five years.

By cutting your monthly phone bill in half while still enjoying unlimited wireless data, talk and text, you can redirect those savings toward other financial goals.

2. Strengthen your emergency fund

Think of your emergency fund as a financial safety net. Life happens - whether it's an unexpected car repair or a medical bill, having some extra savings can keep you from going into debt. Savings can start small, and for first-time savers, it can be daunting to put away money. What's important is to start somewhere and sooner rather than later. Aim to save at least three to six months' worth of living expenses.

By doing so, you'll thank yourself for being prepared for those unexpected moments and avoid the stress of crunching numbers.

3. Make home improvements

Your home is one of your biggest investments, so why not put some of your tax refund into making it better? Consider using your tax refund for necessary repairs or upgrades, such as fixing a leaky roof, updating your kitchen, or adding energy-efficient appliances. These improvements can save you money in the long run and prevent small issues from becoming bigger problems.

It will also improve your living space, making your home more comfortable. Additionally, these enhancements can increase your home's value if you decide to sell or rent it in the future, allowing you to reap the financial benefits of your improvements.

4. Invest in your future

Your tax refund could be the perfect opportunity to set yourself up for long-term success. Whether it's contributing to a retirement account, such as an IRA or 401(k), it will help you prepare for the future without the worry of not having a fund to rely on.

In addition to retirement accounts, investing in your future can also mean investing in your education and professional development. Enrolling in classes and courses can help you advance your personal learning as well as career aspirations. Many universities and colleges offer in-person or online courses that can fit best into your schedule.

These investments can yield long-term benefits, helping you achieve financial stability and career growth.

By wisely using your tax refund and exploring cost-effective options, you can enhance your financial budget. Plus, you'll have more peace of mind knowing you're making the most of your hard-earned money!

*Disclaimer: Offer applies to new customers who activate on a BYO device. Single-line customers on the Total 5G Unlimited plan or higher must enroll in Auto Pay to receive the full promotional discount, which applies the month after enrollment. Available exclusively online and in Total Wireless retail stores. Bring Your Own Phone requires a compatible, unlocked device and SIM. Additional terms may apply. Check compatibility at https://totalwireless.com/activate.byop.landing.serviceprovider.

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