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INDIANAPOLIS — If you didn't file your taxes Monday, there are essential steps to take in order to move forward. The Internal Revenue Service says there is no penalty for filing late after the tax deadline if you receive a refund. You have until April 2022 to claim your refund, or the U.S. Treasury will get to keep it. If you owe, it's a different story. Hopefully, you filed an extension by April 15 and paid your estimated amount. If you haven't done any of that, you'll have late filing and payment penalties along with interest on your owed taxes. Turbo Tax provides this scenario: If you didn't file an extension and file a return ten days late and you have a ,000 penalty, your penalty would be , plus an extra dollar or so for the interest. The late filing penalty can be ten times higher than the late-payment penalty. You can also contact the IRS to see if you qualify for a payment plan to help pay off what you owe. After finishing your taxes, the IRS says if you are receiving a refund, you should get it in less than three weeks. 1062

In recent months, states across the country have been passing laws designed to make it harder — and in some cases, nearly impossible — to get an abortion.So Shelley O'Brien, manager of The Yale Hotel in the tiny Michigan town of Yale, made an offer to anyone traveling out of their state for the procedure: Come to Michigan and stay at her hotel for free."Dear sisters that live in Alabama, Ohio, Georgia, Arkansas, Missouri, or any of the other states that follow with similar laws restricting access, We cannot do anything about the way you are being treated in your home-state," the post reads."But, if you can make it to Michigan, we will support you with several nights lodging, and transportation to and from your appointment," the post reads.It was a bold stance for the mother of three to take in her largely conservative town that's home to fewer than 2,000 people. But O'Brien said she felt it was important."Women should have autonomy over their own bodies," she said. "If we do not have control over our own bodies, then this is not a free world."The Yale Hotel's Facebook post has since received thousands of shares and hundreds of comments. Responses have been mostly positive, O'Brien said, though she has gotten some pushback from online trolls and others.So far, O'Brien said no one has taken her up on the offer, though she has a room ready for anyone who needs it. She said she's calling it "Jane's Room" -- a nod to Jane Roe, the pseudonym for Norma McCorvey, the plaintiff in the landmark Supreme Court case Roe v. Wade.The offer has, however, been good for business. In the weekend after she made the post on Facebook, she said she made 0 more than the week before.In the past few months, Alabama passed a near-total ban on abortion, while states including Georgia, Louisiana, Mississippi and Ohio have passed "heartbeat" bills that ban abortions after a fetal heartbeat can be detected.Earlier this week, Republicans in the Michigan state Senate introduced 1995

If you've spent any time on the internet, you know there's a difference between "a man from Florida" and "Florida Man."You probably know many people from Florida — grandparents, friends, other family members. They complain when the temperature drops below 55 degrees, but you love them all the same.Hopefully, you don't know Florida Man. He's the type of person who 378

It's been five months since a federal court ordered Education Secretary Betsy DeVos to give defrauded student loan borrowers relief, but more than 100,000 people are still waiting to hear whether their debt will be canceled.The Obama-era rule, known as Borrower Defense to Repayment, allows students who believe they were defrauded by their college to apply for loan forgiveness. The idea is that if they didn't get the education they were promised, they shouldn't have to pay back their debt.The number of these applications soared as the Obama administration cracked down on for-profit colleges. Sometimes nursing students, for example, found out after finishing their program that it didn't have the right accreditation -- keeping them from getting a job.As of last fall, more than 200,000 people had applied for loan forgiveness, a majority of whom went to for-profit colleges. Nearly 48,000 received debt relief and 9,000 have been denied.But no applications were processed between June and September of last year, the most recent data available, as the administration fought implementing the rule. But they continued to pile up. The department received an additional 35,000 claims during that time period.An Education Department spokeswoman did not respond Monday to questions about how many claims had been processed since the October ruling ordering the administration to move ahead with loan forgiveness.In December, the department announced that it would begin canceling loans for borrowers eligible for a specific type of loan cancellation. There is an automatic loan discharge for those whose schools closed while they were enrolled.As of March 1, the department has forgiven more than 8 million in debt to about 16,000 borrowers that qualified for a closed-school discharge, according to data the National Student Legal Defense Network obtained from the Department of Education in connection with a lawsuit. The group sued the department in November for allegedly continuing to collect on these loans.In a lot of these cases, the government eats the cost. Only federally-backed loans are eligible for forgiveness. About half of the debt forgiven was owed by borrowers who attended one of the now defunct for-profit Corinthian Colleges.But those borrowers who aren't eligible for the automatic discharge are still waiting to hear the verdict on their claim. They typically are required to show that the school misled them, by presenting them with inflated job placement rates, for example."We are not aware that any more claims have been processed," said Adam Pulver, an attorney at the advocacy group Public Citizen, which has brought a case against the department over the delay of the rule.Neither of his clients have received an update on their pending claim for loan forgiveness, he said.The department took a step toward fully implementing the Borrower Defense rule earlier this month when it issued guidance to schools about how the rule -- which also bans colleges from requiring students to sign mandatory arbitration agreements -- would be implemented.DeVos, who's been criticized for siding with for-profit colleges, pressed pause on processing the claims after a group representing for-profit colleges in California sued the agency seeking to block it from taking effect.Democratic attorneys general from 18 states and Washington, DC, sued the department over the delay in 2017, tying the rule up in court for more than a year. In September, the judge ruled in favor of the states, calling the department's delay "arbitrary and capricious," and ordered immediate implementation of the rule in October. DeVos has called the rule "bad policy" and has directed the department to rewrite it. The agency has proposed offering partial loan forgiveness for qualifying students, based on the income of their peers who attended similar programs at other colleges.Abby Shafroth, an attorney at the National Consumer Law Center, said she is worried a new rule could retroactively change the process for seeking relief."I have a number of clients who have been waiting since 2016 to hear about their application -- and still nothing from the department, no time line. It can feel like those applications were sent into a black hole," Shafroth said. 4275

If you spent more than you wanted to over the holidays, then saving money may be one of your resolutions for 2019.There are some simple things you can cut back on without having to cancel your Amazon Prime memberships. For starters, look at your thermostat. Make sure you keep a close eye on your heater and air conditioner, because money could be slipping out of your pocket every month. For those who need the afternoon pick-me-up, those extra dollars you spend on a soda, coffee or snack can add up. If you cut back completely, you could save up to 0 a year. Another way to save: cut back on the apps on your phone that cost you money. Stay away from the premium versions of apps and stick with the free ones. For ways you can save around the house, look at investing in dish rags. A 4-pack of dish rags costs about at Target, but a paper towel roll you go through once a week it about 99 cents on average. Cutting back on disposable items can save you big bucks long-term. Coupons can also be a great way to save. But remember, don’t get suckered into buying something you don’t need just because you have a coupon for the item. If cutting back on all of these is overwhelming, chose a couple to start with and see how much you save. Then, add in more when you see fit. 1294