Consumers can now freeze their credit for free under a new federal law.
“A credit freeze restricts access to your credit file, essentially halting anyone from opening any new credit in your name. The rules used to vary by state, but previously it could cost up to $10 to put a freeze in place. That fee often had to be paid again when someone wanted to unfreeze it for any legitimate uses.
“But under a new law that takes effect Friday, consumers anywhere in the U.S. can do so quickly and for free.
“Congress passed the law in response to last year’s massive Equifax hack, which exposed the private information of more than 145 million Americans.”
Nobody likes to pay more in taxes than they absolutely have to. By the time you start preparing your return, it’s too late to use some of the smartest tactics to control the size of your tax bill. Instead, you have to plan in advance to make sure your refund is as big as possible.
“The new federal tax law created a lot of confusion over whether tax filers may still deduct the interest they pay on their home equity loans and home equity lines of credit.
“The new law suspends the deduction for interest on home equity indebtedness for the next eight years.
“But it turns out the suspension does not apply to all home equity loans (HELs) and lines of credit (HELOCs). It just applies to those that are used to pay for non-home-related things, like paying off your credit card or buying a car. But you can still deduct home equity loan interest that is used to pay for home improvements…”
First United States Labor Day Parade, September 5, 1882 in New York City.
“Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country” (“History of Labor Day.” Department of Labor. https://www.dol.gov/general/laborday/history).
As a thank you for their huge service to our country, our veterans have financial perks.
School loan — Vets get 36 months of educational expenses paid through the G.I. Bill. But, you can also transfer that benefit to family–as long as you sign up to serve four more years from when you sign up for it (Time.com/money).
Housing mortgage — As a veteran, a VA loan allows you to get a no-down-payment, competitive-rate home loan.
Business coaching — Veterans Business Outreach Centers offers boot camps and free resources for entrepreneurs.
Mold must be cleared from any rentals or criminal penalties could be filed against the landlord. A health department official must visit the property and declare it unfit to qualify for filing court charges against the landlord. Law also says the tenant could be liable if was their fault due to inappropriate housekeeping practices.
Landlords and homeowner associations must allow renters or residents to put up a line or rack to dry their clothes. They can not attach it to the building without the Home Owner association or landlord’s permission.
Landlords must tell residents 24 hrs before application, what pest is being sprayed, what kind is being used, and alert to warnings about the toxicity of the product.
Fake Grass(AB 349)
Home Owner Association Guidelines are no superseded to allow homeowners to put in artificial turf, rocks, or something else that doesn’t need as much water, like cacti.