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The year 2024 has just come to a close and many people may not yet be thinking about filing their 2024 income tax return, but perhaps they should. Income tax identity theft is a huge problem that costs the government billions of dollars annually, and also can delay your legitimate tax refund by as much as 675 days. Income tax identity theft, by which identity thieves file phony income tax returns with easily created counterfeit W-2s using the Social Security number and name of their victim is still a major problem for the IRS although it is improving its enforcement…

Over 11 million Ohioans woke up this morning with greater protection for their free speech rights. On January 8, 2024, Ohio Governor Mike DeWine signed into law Senate Bill 237 of the 135th General Assembly which creates the Ohio Uniform Public Expression Protection Act (UPEPA) at § 2747.01, et seq. of the Ohio Revised Code. The Buckeye State becomes the ninth state to adopt the UPEPA as created by the Uniform Law Commission, plus Oregon which has adopted substantially similar legislation. Illustrating the bipartisan nature of the UPEPA, it was passed unanimously by both the Ohio Senate and House of…

The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode: Learn how to balance risk and reward in your investments, rebalance your portfolio, and avoid common investing pitfalls.How can you manage risk and reward when investing? What are the best strategies for rebalancing your portfolio for 2025? Host Sean Pyles and Investing Nerd Sam Taube discuss how…

Medical Debt Soon Will Be Banned on Credit Reports Americans won’t have to worry about unpaid medical bills damaging their credit reports and scores much longer. The Biden administration is finalizing a rule Tuesday that will end the inclusion of medical debt on credit reports and ban lenders from using certain medical information in loan decisions. The rule will also remove an estimated $49 billion in medical bills from the credit reports of about 15 million people. [CNN] U.S. Consumer Borrowing Growth Slows on Drop in Revolving Credit Outstanding credit card and other revolving debt decreased $13.7 billion, the most…

One of the biggest perks of 401(k) retirement plans is the opportunity for employees to earn “free money” through employer matching contributions; however, recent research from Vanguard Group reveals that this benefit disproportionately favors high-income earners, leaving lower-paid workers at a disadvantage. The reality for millions of low-income workers is the allure of free money but the ability to capture only a fraction of it. This structural inequity points to a shortfall in the current retirement landscape and should be an impetus for companies to consider redesigning their retirement benefit plans. The Uneven Distribution Of Employer 401(k) Matching Contributions The…

A judgment creditor can obtain a charging order against debtor/member’s interest in an LLC. But what if that LLC is not formed in the state where the judgment has been entered, but in another state? Can the creditor still get a charging order against interests in out-of-state LLCs? Put another way, are only the courts of the state in which an LLC is organized empowered to enter a charging order as to those LLCs? If so, doesn’t that pretty much destroy the idea that certain out-of-state LLC statutes are better than the LLC statutes of the state in which the…

The Federal Trade Commission, or FTC, is a government agency in charge of enforcing federal consumer protection laws and federal antitrust laws. They’re also a key player in helping the public report fraud, navigate identity theft and even manage annoying unsolicited phone calls. What does the FTC do? The FTC was founded under the Federal Trade Commission Act. It is currently headed by Commissioner Lina Khan, who is due to be replaced by Andrew Ferguson under the Trump Administration. The FTC Act empowers the commission to:Prevent unfair methods of competition; unfair or deceptive acts; and other practices that affect commerce.Seek…

Saving money feels good, especially on costly (but often necessary) expenses like internet.If you’re happy with your provider, but not how much internet costs you each month, try negotiating or bundling your services. Looking to make a change? If you’re lucky enough to have options, switching providers can help you score a great deal.1. Buy your own cable modem and router for cheaper Wi-Fi (over time)Planning to get your internet through a cable provider and staying with it for a few years? It might be more cost-effective to buy your internet hardware rather than rent it.A provider may charge around…

On the Latino economic front, there is good news, bad news, and worse news. The overall economic condition of Latinos is improving. The U.S. Department of Treasury reports that between 2013 and 2022, the median wealth of Latino families increased by 252%. However, the Latino wealth gap persists. A recent report from Brookings reveals that the average white family possesses five times more wealth than the average Latino family. Finally, the Latino wealth gap is likely to widen. How can this gap possibly grow even wider? The Largest Transfer Of Intergenerational Wealth Between now and 2045 the U.S. will experience…