question:You are an AI assistant. User will you give you a task. Your goal is to complete the task as faithfully as you can. While performing the task think step-by-step and justify your steps. It's April, Time to Do Some Spring Cleaning on Your Finances This bright, new season of the year is a great time to make a fresh start and spruce up your finances. Taking some time this spring to clean up your finances could help you save time and money for the rest of the year—and for years to come. Adjusting your payroll withholding, boosting your retirement contributions and automating savings and bill paying are three ways to get started on your financial "clean up." Your 2014 taxes are in the process of being filed-or are already done! Now is the time to adjust your payroll withholding for this year. Payroll withholding is something you want to get just right because if you have too little in taxes taken out of your pay, you'll owe money when you file your return. If too much tax is withheld, you'll get a refund. That may seem like a good thing. But a refund really means you've given Uncle Sam free use of your money, which you probably could have made better use of yourself throughout the year. The goal is to become neither a borrower nor a lender. To make the change, file a new W-4 with your employer. This will change the amount that comes out of your paycheck. The IRS offers an interactive withholding allowance calculator to help you figure out just what changes you need to make to your withholding amount. Contribute as much as you can to your workplace retirement plan. If you're 50 or older, you can also put in an additional "catch up" contribution. The good news is that the IRS made a cost-of-living adjustment to 401(k) plans so, as of this year, you can put away 500 more than you were able to in the past. Contribute the maximum 18,000 to your 401(k) or 403(b) for the year if you can. And if you're 50 years or older, you can make an additional "catch-up" contribution of 6,000 for the year. IRA contributions limits are 5,500 and investors age 50 and older can contribute an additional 1,000 to their IRA. And don't forget that you have until the tax filing deadline of April 15 to make a contribution for 2014. There's still time! If you haven't set up an automatic savings plan, do it! Just as your income taxes are automatically deducted from your paycheck, you can do the same and pay yourself first. How? Have your bank set up an automatic transfer from your checking account each month into a savings account. If it's difficult to save a predetermined amount each month, sign up for various programs offered by banks to help you save small amounts. Bank of America has a "Keep the Change" program, which rounds up every dollar you spend and puts it away into a savings account. Wells Fargo has a similar program called "Way2Save." It's hardly noticeable when you save a dollar here, a penny there, but it can add up quickly. Streamline your accounts by asking for online statements instead of paper bills. Pay your bills online too. Contact your bank to pay recurring bills automatically from your checking account. Fewer paper bills and statements will help keep your finances clutter-free… just in time for spring. First published April 3 2015, 8:29 AM As CNBC's personal finance correspondent and senior commodities correspondent, Sharon Epperson reports on personal finance for the network and also covers the global energy, metals and commodities markets from the floor of the New York Mercantile Exchange.In addition to reporting for CNBC and CNBC.com, Epperson is a regular contributor on NBC's Today and Today.comand appears frequently on NBC Nightly News, MSNBC and NBC affiliates nationwide. She also frequently reports for Public Television's "Nightly Business Report," which is now produced by CNBC.Her book, "The Big Payoff: 8 Steps Couples Can Take to Make the Most of Their Money—and Live Richly Ever After," was a finalist for the Books for a Better Life Awards, honoring works that have "changed the lives of millions." She also was a contributing writer for "The Experts' Guide to Doing Things Faster."Epperson's personal finance expertise has been featured in numerous publications, including USA Weekend, The Wall Street Journal, The Washington Post, The Boston Globe, Self, Essence, Ebony and Time, where she had covered business, culture, social issues and health as a correspondent prior to joining CNBC. She is committed to improving financial literacy, particularly in underserved communities. She has been invited to the White House to speak about financial literacy and to moderate a public meeting of the President's Advisory Council on Financial Capability at the U.S. Treasury Department. She also speaks frequently at conferences and events for local and national organizations, colleges and universities about many facets of personal finance.Epperson has received the Vanguard Award for her distinguished career in business and personal finance reporting from the National Urban League Guild, the All-Star Award from the Association of Women in Communications and the Gracie Allen Award from the American Women in Radio and Television for a series of reports on female CEOs. She also has won awards from the New York Festivals, the New York Association of Black Journalists and the National Association of Black Journalists.An adjunct professor at Columbia University's School of International Public Affairs for more than a decade, Epperson enjoys teaching the importance of budgeting and building long-term savings as part of her course on professional development for graduate students interested in media careers.Epperson received her bachelor's in sociology and government from Harvard University, and a master's of international affairs degree from Columbia University. A Pittsburgh native, Epperson lives with her husband and two children in Westchester County, N.Y. What was this article about?

question:You are a helpful assistant, who always provide explanation. Think like you are answering to a five year old. Toivon, että saatte niitä edelleen. Which language is this?

question:You are an AI assistant. User will you give you a task. Your goal is to complete the task as faithfully as you can. While performing the task think step-by-step and justify your steps. Based on this review, would the user recommend this product? === Review: I was a shipped a used item initially. I returned it and requested another one.Again got shipped a refurbished item with mirror broken and scratches on the clipper.Wahl is just pushing their returned goods through Amazon.Amazon services are excellent and probably are not even aware of the contents Wahl is shipping to customers. Answer: Pick from: + No. + Yes. The answer is:

question:You are an AI assistant. You will be given a task. You must generate a detailed and long answer. Two die after tornado strikes campground near Cape Charles, Va. A fierce storm packing powerful winds and rain toppled trees and flipped campers Thursday at a campground near Cape Charles, Va., east of Richmond, killing at least two people and sending at least 20 more to hospitals. (AP) The Chesapeake Bay went black and lightning became blinding as a lethal tornado whipped through a large campground near Cape Charles, Va., on Thursday morning. Amid the violent storm, a Jersey City couple were killed and their 13-year-old son gravely injured when a tree toppled on their tents, state police said. Campers, including vacationing emergency medical technicians, rushed into the rain and pounding hail when they heard cries for help and saw a wounded and dazed teen, said Julie Gallagher, 21, an EMT from Frank­linville, N.J. The teen, Gallagher said, “had a blank stare and said, ‘My parents are dead. I just watched my mommy die.’ My heart broke. I’ll never forget those words. Never.” State police spokeswoman Corinne Geller identified the couple as Lord N. Balatbat and Lolibeth E. Ortega, both 38. Their son, whom police did not identify, was hospitalized with life-threatening injuries, Geller said during a news conference at the entrance to the Cherrystone Family Camping Resort, which is on the bay about 110 miles east of Richmond. State police said that about 1,300 campers and 40 employees were on the 300-acre waterfront site, which has become an annual summer getaway for families like Gallagher’s. In all, 36 people were injured and transported from the campground as a result of the tornado, state police said. Gallagher said she used a kayak as a flatboard to carry another young wounded child — who was near the New Jersey couple — to arriving ambulances. The storm tossed camping vehicles onto their roofs, state police said. One caught fire, recalled Gallagher, who said she passed others assisting at that scene as she ran toward voices calling for help. The storms struck the camping site about 8:30 a.m., said David Watson, a Virginia Department of Emergency Management spokesman. Pine cones were hurled against sliding doors in her cottage and hail “like baseballs” hit during the fiercest point, said Gallagher’s sister, Victoria Thomas, 27 of Monroeville, N.J. “It went on like that for 10 minutes but felt like five hours. You couldn’t see six inches in front of you.” The storm, which state police said was an EF-1 tornado, was brutish enough that it also overturned a tractor-trailer. Riverside Shore Memorial Hospital in Nassawadox, Va., treated 26 people injured in the storm, “most if not all from the campground,” said Peter Glagola, a hospital spokesman. He said most were treated and released. The son of the couple killed was transported to Children’s Hospital of the Kings Daughters in Norfolk, state police said. Mike Rusnak, a meteorologist at the National Weather Service’s Wakefield office, said a tornado warning went out 10 minutes before the storm touched land in Northampton County. “The bay got black and the lightning was so bright,” said Linda Wager, a 52-year-old from Pleasant Valley, N.Y. Wager, a former EMT, was watching a movie in her RV when an alert popped up on her phone. Wager’s family — including her 6-month-old grandson — and friends from North Carolina ran to a nearby bathhouse to take cover. But as she waited for a few moments, she wondered whether anything was going to happen. “I was hoping that it was something that we just had to be prepared about,” she said. “But once I saw the sky . . . I knew.” The tornado formed over the bay, producing a waterspout that moved onshore as a tornado, Rusnak said. “Generally it would get weaker when it hits land — but this was more unique,” Rusnak said. “It lasted longer and was stronger.” State police said the tornado entered the campground from the southwest shore, moved northwest through the campground, and then turned south and continued southeast through the remainder of the campground. According to a Northampton County news release, populated neighborhoods also were impacted. Wager said the tornado aimed directly over a pine forest section of campground where a tree fell on a tent and a camper unit “opened up like an unrolled tin can,” she said. “All their belongings were strewn all over the place,” Wager added. Maria Annunziata, an 18-year-old daughter of Wager’s friend from Apex, N.C., who also hid in a bathhouse, said the tornado didn’t seem real. “The campers were all upside down, and that’s when it hit me,” she said. The National Weather Service dispatched a storm survey team Thursday morning to assess damage, weather officials said. Authorities closed the campgrounds and were allowing groups of 20 to return to pack up. Virginia Gov. Terry McAuliffe (D) said in a statement that Secretary of Public Safety and Homeland Security Brian Moran, Virginia Department of Emergency Management Coordinator Jeff Stern and regional state emergency management officials were also en route to the Eastern Shore. “We are all saddened by the reports of injuries and lives lost in this storm and will continue to offer our thoughts and prayers to the Virginia families who were affected, along with whatever support is necessary to help these communities move forward,” McAuliffe said in the statement. Just lived through a tornado. Children are missing. People are dead. Trees are down. Campers are flipped pic.twitter.com/UWxzE6hBqC What was this article about?