As of January 27, 2013, merchants, online and off, can add a surcharge to every purchase made with a Visa or MasterCard credit card. They can't add the surcharge on debit card purchases. Note that state laws in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas prohibit or restrict credit card surcharges.
Late on New Year’s Day the Congress agreed and passed a bill that would maintain Bush-era income tax reductions for 99% of Americans. However, the bill did not extend the temporary reduction in payroll taxes for Social Security and Medicare [FICA] enacted two years ago to stimulate the economy. So a majority of Americans will pay an increase up to these restored rates. Although all implications of the bill for ordinary taxpayers is not yet clear, the following information and analysis from a variety of sources may provide you with a clearer picture.
Scammers are taking advantage of the tragedy in Sandy Hook. Some are collecting donations in memory of the victims, others are benefiting from fake Facebook pages.
Appeals for donations may come through email, websites, and social media. Some appeals may even come over the phone.
Homeowners who are financially distressed can be targets for scammers. In particular, scammers have recently focused on the federal Making Home Affordable Program, which provides many options to help homeowners with their mortgage challenges. Scammers are taking advantage of this program by promising that they can modify the mortgage or eliminate the mortgage debt.
Superstorm Sandy and approaching winter weather have turned thoughts to how we would survive a natural disaster. Being prepared when natural disasters, severe weather, or other emergencies occur, can help you get through the situation. What does being prepared mean? Here are some questions to get you started.
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