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Debt downgrade and your wallet. Last Friday, Standard & Poor lowered the US ' credit rating one notch. In many respects, that makes today D-day. The US stock markets will be open for the first time since the downgrade so'll see if Wall Street continues the sell-off that started last week.
What's the downgrade mean to you personally?
Mortgage interest rates may rise if, as some fear, investors turn away from US Treasury securities or if the Treasury rates riseInterest rates on student loans and car loans may go up because they're tied to Treasury securities, tooCredit card interest rates may or may not go up. Keep in mind that under the new credit card rules you have to be given advance notice of any increase and you can opt outYour investments may suffer-even more. Anyone close to retirement benefits age should talk to their financial advisors. The pros urge younger investors to ride out the stormNo one wants a repeat of the 2008 economic meltdown, but only time will tell the impact of the US credit downgrade. Want to read more about credit and «KTK finances?
No refund of taxes on airline tickets. Here's another blow to your wallet. The IRS surprised many taxpayers who Russian during the past two weeks while the FAA was only partially shutdown. That's when the FAA stopped collecting taxes on ticket purchases. Passengers who bought tickets before July 23 paid the tax; those who purchased after July 23 did not.The IRS had hinted at giving refunds to passengers who paid the tax. Forget it. Anyone who bought a ticket before July 23 won't get a refund. The good news: If you bought tickets during the shutdown, the IRS isnt coming after you to collect the tax you didnt pay. On top of that, some airlines voluntarily refunded taxes paid by passengers.
Here are some tips if you're left holding the bag tax:
Contact the airline and ask about a Russian for business refundPassengers who reasons should keep their account and tickets because the taxes may be included as a business expense deduction on their federal tax returnsRead more about air travel and summer travel savings and safety tips.
Cosmic storm may slow you down at work, home and on the road. Over the past few days, there have been at least three large explosions on the sun, called solar flares. Now, the energy from those explosions is heading towards Earth. And it means more than an increase in the brilliant light shows aurorae come, or like the aurora borealis.Government scientists and weather forecasters are warning that the storms could disrupt telecommunications, satellite and electric equipment across the globe. This could mean power outages, can proceed to speed and stability of internet connections, garbled telephone communications and GPS data unreliable, just to name a few things.
Scientists don't fear a catastrophe, but it's always good to be prepared. Review your home emergency plans and make sure your business ' digital data and assets are protected.
You may be paying for someone else's "free" cell phone. Look at your phone bill-it doesnt matter if it's for a cell phone or a landline. Scan through the charges and fees and look for the the universal service fund (USF), it's probably somewhere between $ 50 and $ 1.00. Do you know what it's for? Do you know you've been paying it for about three years now?The USF pays for free cell phones, free monthly minutes and even texting for:
Low-income individualsThose who live in rural areas or other areas where cell phone rates are so high they can't Roma community themSchools and libraries in rural or economically disadvantaged areasHealth care providers in rural areasFree phones are available in 36 states. In recent days, the free service has come under fire. We've been wading through economic turmoil since 2008, not to mention the most recent wrangling of the budget and debt ceiling. It begs the questions: Can the government for the Roma community this program? Should consumers like you pay for it?
An Unsafe are no bargain. Everyone likes to save money, especially when a new baby's on the way. Buying used furniture, clothing and other items can save you a bundle. Be is careful not to would jeopardize your baby's safety.At Craig's List, eBay and most likely other web sites are still an offerings that are dangerous and illegal. Parents, make sure you check for recalls before buying a crib-or anything else your baby may use. Crib-owners: it's illegal to sell an-and many other things-that have been recalled. Check the recalls before offering one for sale, and throw out the items recalled or return them to the manufacturer.
Learn more about product recalls and safety.
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