IRS audit—two words that strike fear into the heart of every American. While the risk of audit in 2014 was the lowest it had been in years due to budget and staffing cuts at the Internal Revenue Service, it’s still wise to eliminate these red flags from the tax return you file this April.

You know that nurturing a positive company culture is good for business. Not only does it help to attract high quality job applicants when you need to fill an open position, it also keeps your current staff engaged in their work. This means fewer absences, greater productivity and less employee turnover. But here’s something you may not have known: it can do all of that while still being fun.

When it comes to engagement, employers need to think about more than salary and vacation benefits. There is an inextricable link between employee engagement and employee health. So much so, in fact, that study results often reveal that employees who participate in health programs are as much as three times more likely to be satisfied in their work.

According to the Association of Trial Lawyers of America, civil lawsuits, including those involving personal liability claims, cost the U.S. economy $233 billion each year. The average compensation payout for a civil injury suit is $60,000. The average awarded in a punitive damage lawsuit is $50,000. Most of us don’t have that kind of cash to spare. If we accidentally injure another person—or they injure themselves on our property—we could lose our savings, our home equity and our other assets. Fortunately, insurance offers some protection.

Think only novice investors make portfolio management blunders? Not so; even if you’ve been saving for decades and religiously follow stock market news, you’re probably making mistakes. Consider the following errors common to both newbies and seasoned pros.