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The ACA’s enhanced premium tax credit expired January 1 — average marketplace enrollees now pay $1,016 more a year and 4.8 million people are set to lose coverage entirely

David Keller3 months ago3 months ago09 mins

Millions of Americans who purchase health insurance through Affordable Care Act marketplaces are facing steeper costs after the enhanced premium tax credits that Congress authorized from 2021 through 2025 lapsed at the start of 2026. The expiration restored an income cliff that blocks subsidies for households earning above 400% of the federal poverty level, and…

Two diverse business people working in creative office. two people sitting and using laptop. business people and work colleagues at a busy creative office.

Affirm now reports every Pay-in-4 loan to TransUnion and Experian — and FICO’s new scoring model factors BNPL history, meaning one late installment can knock points off your credit score

David Keller3 months ago3 months ago08 mins

Millions of Americans who split online purchases into four interest-free payments now face a new reality: those small installment loans can raise or lower their credit scores. Affirm reports every Pay-in-4 loan to TransUnion and Experian, and FICO has built a scoring model that treats buy-now-pay-later (BNPL) payment history much like traditional credit. A single…

Happy volunteer with laptop to a voter at polling place during US elections

American International College’s data breach settlement pays $50 cash to every class member plus up to $5,000 documented — claim by July 22

David Keller3 months ago3 months ago08 mins

People whose personal information was exposed in a data breach at American International College now have a path to compensation, but the window is closing fast. The Springfield, Massachusetts-based institution reached a settlement offering every approved class member a flat $50 cash payment, with additional reimbursement of up to $5,000 available for those who can…

Image Credit: Guests doing mobile nfc payment on pos terminal in lobby

Every U.S. hotel must now show the full price including resort and service fees upfront — small properties got a 6-month grace period that expired January 2026

David Keller3 months ago3 months ago09 mins

Travelers booking a hotel room in the United States now face a different checkout screen than they did a year ago. The Federal Trade Commission’s rule on unfair or deceptive fees, published in the Federal Register on January 10, 2025 and codified at 16 CFR Part 464, requires every hotel and short-term lodging provider to…

Medium shot young people living together

Quarterly estimated taxes are due in 13 days — self-employed and gig workers who underpay by June 15 get hit with an 8% IRS penalty plus daily interest

David Keller3 months ago3 months ago09 mins

Self-employed workers, freelancers, and gig contractors face a June 15 deadline to submit their second-quarter estimated tax payments to the IRS. Those who fall short will be assessed an addition to tax that accrues daily until the balance is paid, a cost that can quietly grow into hundreds of dollars on even modest underpayments. With…

Surviving spouses of wartime veterans can now claim up to $1,558 a month from the VA Aid and Attendance pension — but the family’s net worth must stay under $163,699

David Keller3 months ago3 months ago09 mins

Surviving spouses of wartime veterans who need help with daily living can receive up to $1,558 per month through the Department of Veterans Affairs Survivors Pension with Aid and Attendance. The catch: the family’s countable net worth must remain below $163,699 for the benefit period running from Dec. 1, 2025, through Nov. 30, 2026. That…

The Labor Department’s safe harbor to add crypto and private equity to default 401(k) lineups closes public comments tonight — before moving to a final OMB review

Warren Cohen3 months ago3 months ago013 mins

At midnight on June 1, 2026, the public comment window closes on a Labor Department proposal that would let employers place private equity and cryptocurrency funds inside the default investment lineups of 401(k) plans. These are the portfolios workers land in when they never make an active choice, and they hold the bulk of retirement…

Stock market chart shows a downward trend.

The 10-year TIPS yield sits at 2.4% — the highest real-yield reading since 2008 — meaning Treasury bondholders finally collect a positive return above inflation for the first time in 16 years

Warren Cohen3 months ago3 months ago014 mins

For 16 years, anyone who lent money to the U.S. government and then checked what they earned after inflation got the same answer: almost nothing, or less. A retired teacher in Ohio who bought Treasury bonds in 2015 and held them through 2025 preserved her savings in nominal terms but watched her purchasing power flatline….

children playing on brown sand at daytime

The 2026 federal poverty level climbed to $15,650 for a single person and $32,150 for a family of four — resetting eligibility for Medicaid, SNAP, Lifeline, and ACA premium subsidies

Warren Cohen3 months ago3 months ago011 mins

For a home health aide in Ohio earning $15,200 a year, the $590 increase in the 2026 federal poverty level is not an abstraction. It is the difference between falling just above the eligibility line for Medicaid and falling just below it. As of January 23, 2026, a single person earning up to $15,650 meets…

Military personnel practice medical evacuation training with helicopter.

The FBI’s Operation Level Up rescued $562 million from 9,000 crypto-scam victims — a joint takedown with Dubai and Chinese police arrested 276 suspects and froze another $701 million

David Keller3 months ago3 months ago011 mins

A retired schoolteacher in the Midwest was days from cashing out her 401(k) when her phone rang earlier this year. On the other end was an FBI agent with unwelcome news: the cryptocurrency trading platform she had been funding for months, the one showing steady double-digit returns and staffed by attentive customer-service reps, did not…

The ACA’s enhanced premium tax credit expired January 1 — average marketplace enrollees now pay $1,016 more a year and 4.8 million people are set to lose coverage entirely

Affirm now reports every Pay-in-4 loan to TransUnion and Experian — and FICO’s new scoring model factors BNPL history, meaning one late installment can knock points off your credit score

American International College’s data breach settlement pays $50 cash to every class member plus up to $5,000 documented — claim by July 22

Every U.S. hotel must now show the full price including resort and service fees upfront — small properties got a 6-month grace period that expired January 2026

Quarterly estimated taxes are due in 13 days — self-employed and gig workers who underpay by June 15 get hit with an 8% IRS penalty plus daily interest

Surviving spouses of wartime veterans can now claim up to $1,558 a month from the VA Aid and Attendance pension — but the family’s net worth must stay under $163,699

The Labor Department’s safe harbor to add crypto and private equity to default 401(k) lineups closes public comments tonight — before moving to a final OMB review

The 10-year TIPS yield sits at 2.4% — the highest real-yield reading since 2008 — meaning Treasury bondholders finally collect a positive return above inflation for the first time in 16 years

The 2026 federal poverty level climbed to $15,650 for a single person and $32,150 for a family of four — resetting eligibility for Medicaid, SNAP, Lifeline, and ACA premium subsidies

The FBI’s Operation Level Up rescued $562 million from 9,000 crypto-scam victims — a joint takedown with Dubai and Chinese police arrested 276 suspects and froze another $701 million

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