For Ryan Decker, surviving the holiday shopping season is all about planning ahead. In fact, if he sees a gift for one of his two young sons in March, he’ll go ahead and buy it, instead of rushing through his shopping list in December. “It very much eases the burden,” he says, making his December…
Store-Branded Credit Cards Come With Expensive Catches
By Steve Rosen From Tribune Content Agency You’ve heard the checkout line pitch a million times: “Are you interested in applying for our store credit card? You get half off today’s purchase and earn rewards points for future purchases. Sign up right now at the register.” Sounds enticing this time of year, especially to young…
Airbnb Has a Plan to Fix Cleaning Fees
Pretty much everyone hates Airbnb cleaning fees—those pesky charges tacked on to your vacation rental bill that supposedly cover the costs to get the place ready for the next visitors. Travelers don’t like the expense, and hosts don’t like charging them, either. Dennis Shirshikov, an Airbnb host who owns a rental property in upstate New…
Some Advice on Tipping During the Holiday Season
Tipping or giving a gratuity during the holiday season is common. And although there are no set rules on how to tip, a gratuity is appropriate for anyone who provides a regular service. But you want to keep the holiday budget, so plan on who and how much to tip. There is certain tipping etiquette….
Is Now the Right Time for Your Business to Buy Real Estate?
For small businesses hoping to establish or expand their brick-and-mortar presence, it may seem like a bad time to sink cash into a commercial property purchase. Amid predictions of an upcoming recession, the Federal Reserve increased the federal funds rate for the sixth time in 2022, citing inflation risks and global conflict. Inevitably, this will…
All Aboard for an Affordable Vacation
By Emma Patch From Kiplinger’s Personal Finance An adventure by rail may be one of the best ways to fall in love with travel again. And some trips can be done for a $1,000 or less. Take a Pacific coastal journey The Coast Starlight traverses what many regard as one of America’s most spectacular train…
Do You Really Need a Retail Credit Card with a Very High Interest Rate?
Credit cards make it easy to buy the things you want without carrying cash around. As long as you are in the introductory period, there is no problem. But when the high interest rate kicks in and you have a balance, it can be hard to reduce your debt. New Interest Rates Higher Than Ever…
IRS Warning Americans to Report $600 Transactions From Payment Processors or Risk Facing Audit
December 3, 2022
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The Internal Revenue Service reminds taxpayers to report transactions of at least $600 made through payment networks like Venmo, Paypal, and Cash App as the agency seeks to obtain data regarding part-time employment and side gigs, a move that critics have termed government overreach. In a recent explainer posted online, the IRS said that according…
Retiring? These States Won’t Tax Your Distributions
It can be difficult to afford retirement, especially when your retirement income is taxed. In addition to taxing Social Security benefits, the federal government taxes income from 401(k) retirement plans, traditional IRAs, and pensions. Additionally, most states tax retirement income to some extent. A dozen states, however, do not tax 401(k)s, IRAs, or pensions, which…
Closing Prices for Crude Oil, Gold and Other Commodities (Dec. 2)
December 2, 2022
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Benchmark U.S. crude oil for January delivery fell $1.24 to $79.98 a barrel Friday. Brent crude for February delivery fell $1.31 to $85.57 a barrel. Wholesale gasoline for January delivery fell 6 cents to $2.28 a gallon. January heating oil fell 9 cents to $3.17 a gallon. January natural gas fell 46 cents to $6.28…
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