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If you’re bringing in a lot of revenue, yet at the end of each month there is little money left in the bank, you’re simply spending too much. Every expense should be subjected to this simple test: Is this purchase something that’s truly necessary and do I need it? Or is it something I want? Think back to a few years ago when your income was probably a lot less than it is now. If you got by then, you can certainly do it again. The first step is creating a budget and it is important to include your personal expenses. If you aren’t currently tracking your personal expenses, this could be a great New Year’s Resolution for 2014! At ATBS, we think of a budget as a profit plan, the best tool to keep expenses from exceeding your income. A profit plan should show a full picture of your spending history. Really diving into your personal spending habits could show that little things like eating out everyday is cutting into your total net cash, or big items like vacations, holiday shopping, or a new car is the issue. Personal expenses must be included in your profit plan. When all of your truck expenses are paid you should spend no more than 60% of your net income on these things. For example, look at the chart to the left showing “Joe Trucker’s” Profit Plan. If your monthly income is $4,200 after you’ve paid your business expenses, then the most you should spend on personal expenses is $2,520. 40% or $1,680 should be divided into a retirement fund, a savings account for taxes, and finally some should be used for fun! ATBS recommends dividing the leftover amount into four amounts ($420). Every month, put $420 into retirement, half ($840) into taxes, and spend $420 at your leisure. If there’s a big gap between your net income and your lifestyle, consider changing some things in your lifestyle: Quit smoking. The American Lung Association says that the average cost of a pack of cigarettes in America is $5.51. If you smoke a pack a day, that’s about $2,200 a year wasted on something that is bad for your health and will likely cost you much more in medical bills down the road. Sell unused vehicles. If your family can get by with one personal vehicle when you are back home from on the road, sell your extra vehicle that sits in the driveway most of the year. Eliminating a $500 a month car payment can save you $6,000 a year, not to mention the insurance costs! Housing expenses. Many people are switching from an expensive cable or satellite package to watching Netflix or Hulu. Spending $10/month for one of these online services is a lot cheaper than a $100/month Comcast bill. Find the cheapest insurance . Get competitive bids on home and auto insurance at least once a year. Insurance rates tend to creep higher without being noticed. Try to diminish credit card debt. Credit cards should be used as cash management tools, not borrowing tools. The average American household owes about $15,000 in credit card debt. The national credit card interest rate is 14.95%. That’s about $2,240 wasted every year in interest. To lower your debt, you can temporarily use some of that retirement fund or leisure money. Every dollar you don’t pay in interest is like a guaranteed risk-free and tax-free return on your money. There is a wide range in how much people at the same income level can save. It simply comes down to your spending choices. As a client of ATBS, you already have a profit plan created for you! Call your business consultant at (866) 920-2827 if you would like to review your personal expenses and receive advice on how you can cut back on personal expenses. Increasing your total net cash in 2014 is a great New Years Resolution that will help you and your trucking business long term. Remember, it’s not how much you make, it’s how much you can save that counts!

Beyond your house and truck payments, health insurance tends to be one of the biggest fixed expenses for a truck driver. While it’s possible to lower your monthly payments, it requires you and your family to take on a higher deductible. If a large medical expense presents itself, the idea of coming up with the money to pay the bill doesn’t excite many people. The good news is that if you have medical expenses and they make up more than 7.5% of your adjusted gross income then you might be able to claim the expense as an income tax deduction. What costs and expenses qualify? Deductions are not limited to just medical expenses. This also extends to both dental and vision expenses as well. If you have an eye exam, purchase glasses or contacts, need braces, or even require a root canal, all of these are deductible expenses. You can even deduct your health insurance premiums themselves. To get a more detailed list of expenses that qualify, check out IRS Publications 502 . One thing to remember is that if you have been reimbursed by your insurance company for any expense, then you will not be able to claim it on your tax return. This also means that if you use a Health Savings Account or a Flexible Spending Account you will not be able to receive a double benefit. Also Read: Tax Deductions 101 You Must Itemize If you are going to claim a medical expense deduction then you can’t claim the standard deduction on your taxes. Instead, you must itemize your deductions. If you have questions about whether or not it makes more sense for you and your family to take the standard deduction or itemize you can talk to a tax accountant at ATBS and they can tell you what is best for your situation. Payments Need to be Made During the Current Tax Year For example, if you will be itemizing expenses that you incurred in 2024 then it’s important that you also paid the bill in 2024. You are not allowed to claim any past expense that took place during a previous year and the same goes for any future expenses. If you are paying with a credit card then the date paid will be acceptable. If you pay with a check, then the postmark date should be sufficient. If you have any questions about deducting medical expenses give ATBS a call at 866-920-2827.

LAKEWOOD, COLO. - [November 13, 2019] - Barney Moran, an ATBS Tax Resolution Specialist and Enrolled Agent, has successfully completed the requirements to earn the designation of a Certified Tax Resolution Specialist (CTRS). This dignified certification is earned by good standing members of the American Society of Tax Problem Solvers (ASTPS). Barney Moran was first required to be permitted to practice before the IRS, take several directly related professional courses and pass a comprehensive examination administered by ASTPS. The CTRS designation gives the public a means to distinguish among persons rendering solutions to tax problems. ASTPS is the only organization solely devoted to the development of professional skills in this area of practice. Please feel free to contact ATBS for any questions or information. ATBS can be reached at 866-920-2827 or at info@atbs.com.

As a business owner, it’s important for you to create your own brand if you want to stand out from your competition. Some business owners just cut prices for their products or services or may copy what another business may be doing. In order to stand out from the crowd, you will want to focus your efforts on making your company unique so that customers will remember you. A successful business will concentrate on the customer. What does your client need or how can you make their job easier? Find solutions to these questions and then do the job better than anyone else. Stand out by determining what you do best and how you can create added value. It’s important to know your clients on a personal level and make them feel as if they are your only customer. Provide them with outstanding service from the proposal to closing on a product or service. Always follow up and stay in touch with clients. Pick the market you will serve and then focus on becoming the expert. Basically, find your niche. You can’t serve everyone so choose a specific area in which to focus your service. Aim to become an expert by creating blogs, videos, training, or writing a book. Customers seeking answers to their specific problems will seek out your business. If your company is new or you are just starting out, create a unique offer. This can be in the form of a discount for them to try your product or service. Consider ways to differentiate your company by looking for ideas and extra additions to your product or service that offer something special for your client. For example, my mother in law takes her car into the dealer service center for routine maintenance a couple times a year. She calls to make an appointment for the car and the dealership also makes her an appointment with a nail manicurist who works on site. She gets her nails done for free while she is waiting for her car to be serviced. When my wife gets her hair done at the salon, they always offer her a glass of wine. Any type of luxury add on will help to retain customers over the long term. Once you choose a direct strategy to make your business stand out from the crowd, the marketing and promotion efforts should be focused on your unique differences so that your business is set apart from the competition. This article was originally featured on Teamrunsmart.com.

I read an article recently which stated that the Department of Transportation’s National Highway Traffic Safety Administration reported that in 2000 there were over 450,000 large trucks involved in accidents. There are millions of truck drivers in the United States which means safety training should be a top priority for the trucking industry. Considering the weight and size of large trucks, using safe driving practices can help avoid being involved in a motor vehicle accident. Many drivers attend some sort of truck driving school in order to obtain their education for a (CDL) license. These schools or institutions provide the necessary training techniques for defensive driving. These programs also include discussion on safety routines to be completed prior to each ride. Such as: weight, tire pressure, safety lights and fuel levels. Large fleets/trucking companies offer on-going safety programs for their drivers. These companies often have their own “Safety Director” to oversee training and education. What about the small carrier or independent owner operator? Safety is just as important of an issue no matter how small or big the organization may be. Each company/driver is responsible for their practices in regards to safety and compliance issues. For those small carriers and independent owner operators, creating a safety program for your company is very important. Should you happen to be involved in an accident which occurs and is then followed by a court case, you will want to represent your company/driver to the best of your ability. This can be done if you have a proven record of an on-going safety program. You will want to demonstrate to the court and those involved that you cared about safety within your company. Driver files should contain the necessary signed and dated articles, publications, and certificates for training completion, meeting notes or any other forms/items showing valid proof that safety prevention was a top priority. Today, we have many options in regards to education and training resources. In creating your own safety program, you might decide to review safety materials weekly, monthly or quarterly. There are many online classes/courses to fit your working schedule. You could attend a safety training seminar or read about safety prevention articles in various trucking industry publications. Maybe you could coordinate a driver startup safety group who could gather together to meet monthly in person or by phone to discuss and refresh on skills, defensive driving techniques and safe maneuvering practices. Safety prevention should be important to each of us. As professionals in the trucking industry, we can take the necessary steps to create a safety program for our company so that we’re knowledgeable and prepared to handle safety issues should they arise. This article was originally featured on Teamrunsmart.com.

In the commercial trucking industry, “diabetes” is a fearful word. For many years there was a blanket ban that prevented anyone with diabetes who used insulin from driving commercial trucks in interstate commerce. However, in 2003, the Federal Motor Carrier Safety Administration (FMCSA) announced its plan to remove the blanket ban and begin accepting waivers in its Diabetes Exemption Program. This program allows diabetic drivers to operate commercial vehicles if they meet certain criteria. As of November 8, 2014, the FMCSA recommends that drivers have an A1C between 7-10% to meet requirements for an exemption. Diabetes can be a hard disease to manage at home, and when your “home” is on wheels that travel hundreds of miles a week on the interstates of America, it can be even more difficult. A 2009 study found that commercial truck drivers have a 50% higher risk of developing diabetes compared to the general population and 87% of truck drivers have hypertension or pre-hypertension. Commercial truck driving is a hard job, especially with work long hours to meet tight schedules and deadlines. The food options along the road are unhealthy with high-sodium fast food being the most available choices. The high stress, lack of physical activity and normal sleep, and an unhealthy diet can lead to numerous health issues, including diabetes. Diabetic commercial truck drivers face unique challenges because of a work lifestyle that limits healthy food choices and affords little time for physical activity. However, with a little forethought managing diabetes and truck driving is possible. Managing Diabetes and Truck Driving Make your medical appointments a priority Being on the road all the time makes it tough to keep appointments. Often times doctor and dentist appointments are tossed to the side to meet work deadlines, especially if driving is your sole income. However, when you have serious medical conditions such as diabetes, medical appointments need to be a priority. If you can’t make your appointment, call and reschedule for a time when you will be home. Many practices have diabetes nurses or care coordinators that can help you on road via phone. Don’t be afraid to utilize these services. If you’re on the road and need care, check out one of the Convenient Care Clinics, which includes a network of organizations such as CVS/Minute Clinic and Walmart. Convenient Care Clinics created a national network of Department of Transportation (DOT) clinics that offers DOT exams and aims to provide wellness services for truck drivers. Carry your medical records with you First, if you are diabetic or have other serious medical conditions you should wear a medical bracelet to identify you as diabetic in case of emergency. Emergency responders are trained to look for these items. Secondly, carry your medical records with you. Most health care providers use electronic health records and can print you a copy of your records including current medications and lab results. You can carry your records in a folder with you or ask to have your files added to a USB drive (or both!). If you see another health provider in a different state, having your health records with you will be very helpful for the new doctor and could potentially save your life in case of an emergency. Additionally, many larger medical practices will offer patient portals for their patients. You can log in to your patient portal via the Internet and see parts or all of your health records as well. Make time for physical activity If you have a smartphone or tablet, there are many amazing fitness apps available for free that you’d be crazy not to download and try a few. Apps such as MapMyFitness can help you locate walking trails wherever you may be. You can also track your activity and what you eat for the day. Perhaps technology is not your thing - that’s okay too! On your next stop, try walking around the parking lot a few times before you hop into your rig and continue driving. Start with small goals. For example, every time you stop for food or a bathroom break, walk around for at least 10 minutes. If you stop 3 times in one day, that equals to 30 minutes of exercise. Choose healthy food options Most food options on the road are unhealthy. The American highways are dominated by fast food joints. If you are diabetic, it is important to work with your diabetes nurse/coach and quite possibly a dietitian. There are many resources out there to help you identify healthy options that can help you manage your diabetes. The American Diabetes Association is a wonderful resource of information on food and what you should eat as a diabetic. It is important to choose foods with a low glycemic index (GI), such as beans, dark leafy greens, sweet potatoes, and berries. Before starting any new diet, consult with your health care provider to determine what’s best for you. Be proactive Living with diabetes on the road takes planning. You need to ensure that you always carry enough medication and supplies, such as your glucose meter and test strips, with you in your truck. If you can, plan snacks and meals ahead of time. A cooler full of healthy, low GI snacks will help keep your blood sugar stable and your tummy happy. The National Diabetes Information Clearinghouse (NDIC) recommends working with your health care provider to develop a meal schedule to help you maintain stable blood sugar throughout the day. Being on the road and working under tight deadlines can make managing a schedule difficult, but it is important that your health comes first. If your diabetes becomes out of control, you may not be able to drive and you could lose your main source of income. Diabetes doesn’t have to be a career ending diagnosis. Every day, more and more Americans are diagnosed with diabetes – to the tune of about 1.7 million new diagnoses every year. Most Americans don’t face potentially losing their job over diabetes like commercial truck drivers. Prior to 2003, diabetics could not drive commercial trucks, but today you may qualify for an exemption. Eating a healthy diet, making time for physical activity, and prioritizing your health, will make managing diabetes on the road easier - and keep you in the driver's seat for a very long time!

Truck driving does not leave one with a lot of time or convenience to do many tasks. Exercise, leisure, and cooking come to mind. There are many resources on exercising and eating healthy in past ATBS articles, but what about cooking food for truckers? Not just cooking mediocre meals, but cooking great quality food? There is an option that isn’t commonly known, and it’s called sous-vide cooking. At the heart of sous-vide cooking is vacuum-sealed food cooked in heated, non-boiling water. What are the benefits of this cooking style? Meat, fish, and vegetables, along with some desserts, will cook to exact doneness, and not overcook, even if the food is left to cook longer than the minimum required time. Another advantage of this style of cooking is portability and ease. All sous-vide cooking requires is an outlet and water. Most ‘water ovens’ and sous-vide setups are compact and easily placed in any area, including the cab of your truck. Cook meals at home or on the road, freeze them for later, and heat up whenever you need a satisfying, healthy meal. Here are a few sous-vide cooking options to get you started: Water Oven Everything is built-in and all you need is some water and an outlet. Recommended Product: SousVide Supreme Demi Circulator This option requires a container to hold water - a tall pot, tub or a cooler works well. Recommended Product: Anova Precision Cooker Vacuum Sealer A vacuum sealer is best, but similar results come from simply using a ziplock bag. Place the food-filled ziplock bag in water just below the seal to remove the air, then zip shut. Recommended Product: FoodSaver V2244 Vacuum Sealing System If you decide sous-vide cooking is right for you, remember that the purchase of cooking products is tax deductible. Drive safely, and eat well! Author: NW Dexter

Dating as a truck driver means leaving for work also means leaving your significant other for a long period of time. This can put strain on even the healthiest relationships. It’s important to find ways to keep your relationships strong while you’re away and to work as a team, so that you can be rest assured you’re returning to happiness and comfort after a long trip. Here are some great ways to keep your relationships healthy while you’re out on the road. Always communicate Whether it’s just a quick phone call, text, or email – stay in contact whenever you can. This doesn’t mean a constant overload (you still have a job to do, after all), but just touching base to tell someone you’re thinking about them, or how you’re feeling at the moment can really go a long way. Carving out time can be difficult at first, but having an open line of communication can really build strength and trust. Work as a team Your significant other knows you have a hard job to do. But it’s important to remember that they are holding down the fort while you’re away too. Talk to each other and figure out solutions to problems together. You may not be there physically, but being on the other end of the line to lend a helping hand or verbal support will show that you’re still there for them. Make routines special It’s important to keep routines, and make the extra effort to make them special. For example, if you have to be away on work this year, don’t just call on your partner’s birthday. Make it special by sending a card and some flowers, or a gift from your travels. Going the extra mile to be thoughtful will make your bonds stronger. Keep a schedule If you have trouble remembering birthdays, anniversaries, or even just to call, set up a schedule. You can easily create a Google Calendar to share with your significant other – they can add dates for you to remember, and you can follow-up accordingly. If you have trouble calling, set up days to keep a routine. For example, designate Tuesdays, and Thursdays as the days of the week you know to touch base and check-in with your family. Keeping a strong relationship with your significant other doesn’t have to take a lot of extra work. If both parties make the effort to keep in contact and follow these steps, having a long-lasting and healthy bond with each other will become second nature. Source: http://www.militaryonesource.mil/moving?content_id=273084

What if I told you that holding your breath could lead you to become tired, depressed and even sick?  Well, it’s true. By holding your breath you are reducing the oxygen level in your body and increasing the level of stress chemicals and carbon dioxide. This causes the human body to become tired, increases depression and weakens the immune system. By taking slow, deep breaths you can begin to eliminate these negative effects on your body and give yourself more energy to enjoy your day. Below are a few breathing techniques you can use. Adjust Your Posture The average American has less than ideal posture. The majority of us slouch while we sit or walk and it gradually gets worse as we become tired. While you are sitting in your truck, make sure you focus on sitting up straight. This will allow your lungs to fully expand and you will absorb as much oxygen as possible. Breathing out of your mouth is a no-no When I was growing up my parents used to tell me to breathe out of my nose and not my mouth. I never knew why it really mattered.  In fact, there is scientific research that shows breathing out of your nose will help to stimulate your brain. Breathing in through your left nostril activates the right, creative side of your brain. Then breathing in through your right nostril will activate the left, analytical side of your brain. In addition to stimulating your brain, nose breathing also triggers a release of anti-bacterial molecules which will help your immune system by providing you with cleaner air. By making sure you stay as healthy as possible you will allow yourself to log as many miles as possible each week. Practice abdominal breathing techniques Start by placing one hand on your heart and the other on your abdomen. Breath in deep so that you can fully expand your lungs. The goal is to take anywhere from six to ten deep breaths every minute for 10 minutes per day. The effects will be a drop in your heart rate and lower blood pressure. Wrapping it up Stress can add up while you are on the road and being able to find creative ways to overcome it is important. The next time you are feeling the pressures of being able to hit your miles for the month or being able to make your delivery deadline remember these breathing techniques. They will help lead to a happier, healthier you.

As an owner-operator, one of the most important pieces of your business that you need to manage is your cash flow. How much money (cash) you have coming in, versus how much money you have going out for your business & home expenses. It is crucial for the longevity of your business that you are not consistently running low on cash each week. It’s been said that in business, your cash flow is the fuel gauge of your business. If that cash flow gauge is running on “E” too frequently, you are setting yourself & your business up for failure. It’s fitting then, that in this analogy, fuel can be one of the most important factors in managing your cash flow for your business. When should you fill up your fuel tank? One of the common problems we see from drivers is the timing of fueling up, and the death spiral of cash advances it can create due to a lack of cash flow. Whether you're just starting out and short on funds or trying to recover after a large truck expense, it’s important to try to time your fuel-ups with your settlements/pay. Too often we see drivers making the mistake of filling up right before their settlement payday. Fueling up a nearly empty big rig can cost over $500. This isn't an issue if you have your cash flow “topped off” with plenty of money in the bank. However, if you are running low on cash, and choose to fill up right before you know exactly what your pay will be, it can be very difficult to budget appropriately. Often there can be times where expenses show up larger than anticipated on a settlement sheet, and without getting the funds first to know what money you have to work with, you may be putting yourself in a tough spot. We frequently see drivers unnecessarily top off their truck right before settlement day. When this large fuel expense is factored into their settlement pay, it ends up leaving them short of what they will need in order to stay afloat cash-wise for the next week. Typically this will lead to the driver needing to take a cash advance in order to keep their truck/business operating that week. A better strategy could be to only fill your tanks up halfway or waiting until the day after settlements are finalized to preserve cash. Cash Advances & the Dangerous Death Spiral Cash advances & the dangerous death spiral of borrowing that money is one of the biggest reasons we see owner-operators fail. Oftentimes, we hear drivers say there is a feeling of “Free Money” regarding taking a cash advance. However, that “Free Money” is realistically very costly. By taking a cash advance you are effectively getting your future settlement pay ahead of time. This means you are on the hook to provide a service in the future to pay for that advance in cash. When that cash advance is taken out of your next paycheck, and you haven’t budgeted your cash flow appropriately, you may need to rely on that cash advance just to keep your business afloat. This is where a lot of drivers start getting into financial trouble. If the cash advance starts becoming mandatory for you to pay your business and personal expenses, it’s very hard to dig yourself out of that hole. Plan Your Fuel Ups Accordingly Bottom line, fuel is your biggest expense, but also the one you have the most control over. If you are implementing the tips given in our previous “Fuel Series” articles, and planning your fuel-ups in accordance with your pay schedule, you will be in great shape to start building a healthy cash flow for your business. After all, running on fumes can only keep you going for so long before the engine stops.

If you’re just starting out in your career, you will need to be prepared to face some financial challenges along the way – but here’s one that’s not unpleasant: choosing what to do with some extra disposable income. When this happens, what should you do with the money? Your decisions could make a real difference in your ability to achieve your important financial goals. Under what circumstances might you receive some “found” money? You could get a year-end bonus from your employer, a sizable tax refund, or even an inheritance. However the money comes to you, don’t let it “slip through your fingers.” Instead, consider these two moves: investing the money or using it to pay off debts. Which of these choices should you pick? There’s no one “right” answer, as everyone’s situation is different. But here are a few general considerations: Distinguish between “good” and “bad” debt Not all types of debt are created equal. Your mortgage, for example, is probably a “good” form of debt. You’re using the loan for a valid purpose – i.e., living in your house – and you likely get a hefty tax deduction for the interest you pay. On the other hand, nondeductible consumer debt that carries a high interest rate might be considered “bad” debt – and this is the debt you might want to reduce or eliminate when you receive some extra money. By doing so, you can free up money to save and invest for retirement or other goals. Compare making extra mortgage payments vs. investing Many of us get some psychological benefits by making extra house payments. Yet, when you do have some extra money, putting it toward your house may not be the best move. For one thing, as mentioned above, your mortgage can be considered a “good” type of debt, so you may not need to rush to pay it off. And from an investment standpoint, your home is somewhat “illiquid” – it’s not always easy to get money out of it. If you put your extra money into traditional investments, such as stocks and bonds, you may increase your growth potential, and you may gain an income stream through interest payments and dividends. Consider tax advantages of investing Apart from your mortgage, your other debts likely won’t provide you with any tax benefits. But you can get tax advantages by putting money into certain types of investment vehicles, such as a traditional or Roth IRA. When you invest in a traditional IRA, your contributions may be deductible, depending on your income, and your money grows on a tax-deferred basis. (Keep in mind that taxes will be due upon withdrawals, and any withdrawals you make before you reach 59½ may be subject to a 10% IRS penalty.) Roth IRA contributions are not deductible, but your earnings are distributed tax-free, provided you don’t take withdrawals until you reach 59½ and you’ve had your account at least five years. Clearly, you’ve got some things to ponder when choosing whether to use “extra” money to pay off debts or invest. Of course, it’s not always an “either-or” situation; you may be able to tackle some debts and still invest for the future. In any case, use this money wisely – you weren’t necessarily counting on it, but you can make it count for you. This article was written by Edward Jones for use by Greg Hall, Financial Advisor with Edward Jones. He can be contacted via email at greg.hall@edwardjones.com or via phone at 303-985-0045.

Do you smoke? Did you know smoking is the leading cause of preventable deaths in the United States with over 480,000 deaths every year from tobacco use and exposure to secondhand smoke? While the number of people who smoke has declined over recent decades, over 18% of the American population still smokes on a regular basis. Truck drivers are some of the worst offenders. Compared to the general adult population, commercial truck drivers live an unhealthy lifestyle. The job requires long hours, high stress, and physical and mental focus. Over 50 percent of commercial drivers smoke cigarettes and only 8 percent exercise regularly. No wonder the average life expectancy for a commercial truck driver is 61 years old. The New Year is right around the corner and it is the perfect time to start afresh. Millions of people set resolutions every year so why not be one of those people. The time to quit smoking is now. 5 Reasons to Quit Smoking Now: Improve Your Heart Health Smoking is one of the leading risk factors for heart disease. It damages your heart and blood vessels and increases your risk of atherosclerosis. Quitting has an immediate positive impact on your health. Your heart rate and blood pressure, which is abnormally high when you smoke, will begin to return to normal and you will reduce your risk of heart disease and stroke. Improve Your Respiratory Health Smoking almost always causes Chronic Obstructive Pulmonary Disease (COPD). In fact, 9 out of 10 COPD-related deaths are attributed to smoking. COPD is a serious lung disease where the airway walls become thick with mucus and block airflow making breathing harder and harder. Quitting smoking is the best way to reduce your risk of developing COPD and to improve the overall health of your lungs. Reduce Your Cancer Risk Tobacco use significantly increases your risk of developing cancers of the mouth, lips, nose, throat, stomach, kidney, and lung. Smoking is associated with 30% of all cancer deaths in the United States including about 80% of all lung cancer deaths. By quitting smoking you significantly reduce your cancer risks. Within 5 years your risk of developing mouth, throat, esophagus, and bladder cancer is cut in half. Within 10 years of quitting smoking your chance of dying from lung cancer is reduced by half. Save Thousands of Dollars Every Year Smoking is incredibly expensive. According to a state-by-state analysis, smoking cigarettes costs the average smoker at least $1.1 million over a lifetime. If you’re a one-pack-a-day smoker that’s over $15,000 a year! Imagine what you could do with all that money. By quitting smoking you’ll also save on your health and life insurance premiums and reduce the number of medical visits and bills you’ll have if you continue to smoke. Now you can afford that dream vacation! Your Family Will Be Healthier Smoking has a major impact on your family too. Every year an estimated 88 million nonsmoking Americans, mostly young children, are exposed to secondhand smoke. Nonsmokers who are exposed to secondhand smoke in their daily lives increase their lung cancer risk by 20-30%. Secondhand smoke exposure in children can cause ear infections, asthma, and other serious respiratory illnesses. Quit for your family. Smoking is a bad habit that can be broken. It might not be easy, but thankfully there are many support programs that can help you quit and live a healthier life for both you and your loved ones who count on you. Check out the American Lung Association to find resources and support groups to help you quit smoking once and for all in the New Year. So, what are you waiting for? Sources: http://www.truckinginfo.com/news/story/2010/11/dots-truck-driver-life-expectancy-statistic-is-in-question.aspx https://www.nhlbi.nih.gov/health/health-topics/topics/smo https://www.cdc.gov/tobacco/basic_information/health_effects/respiratory/ http://www.cancer.org/cancer/cancercauses/tobaccocancer/index https://www.cdc.gov/tobacco/basic_information/health_effects/cancer/index.htm http://time.com/money/3676521/smoking-costs-lifetime/ http://www.lung.org/support-and-community/