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Stocks are in the midst of a scary October slump, sliding sharply again on Wednesday because investors are worried about rising interest rates.The Dow fell 800 points and dipped below 26,000 for the first time in a month. All 30 Dow stocks were in the red. The Dow was on track to have its third-worst point drop ever. The Dow fell by more than 1,000 points twice this year -- their biggest ever -- because of inflation fears.The S&P 500 posted its fifth straight decline. And tech stocks were getting hit particularly hard. The Nasdaq dropped 3.5%.October has often been a nerve-racking month for investors, and this month is living up to that reputation. All three indexes are in the red this month. But the Nasdaq has really taken it on the chin: It has plunged more than 7% already in October. 835

Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

State Superintendent Tony Evers defeated incumbent Gov. Scott Walker and will become the next governor of Wisconsin. Evers, a Democrat, won with 50 percent of the vote over the Republican governor Walker. The two were locked in a tight race, with the latest Marquette University Law poll showing the race at a dead heat. Walker has served as Wisconsin’s governor since 2011. Walker and Evers traded barbs over a number of topics, including healthcare. The two disagreed on whether Republicans would keep pre-existing conditions in the healthcare policy while dismantling other portions of the Affordable Care Act. A key element of Walker’s campaign was the issue of taxes, claiming if elected Evers would certainly raise them. In particular, he said Evers would raise the gas tax in the state of Wisconsin. Evers denied having such plans days before Election Day. The two also focused on education in Wisconsin. Evers, the state superintendent, said in a rally the night before the election he planned for a .5 billion increase in K-12 education. Walker touted his most recent school budget, which he claims gave 0 more per student.  1181

The April 17 tax filing deadline is less than a month away, so if you haven't submitted your return, it's time to get moving.But that's no reason to rush through it.Whether you decide to go it alone or hire a tax preparer to help, make sure you avoid these costly mistakes.1. Making careless errorsBlame it on fat fingers, deadline pressure or plain carelessness, technical errors like the wrong Social Security number, name misspellings or a simple math error can cause problems and delays with your return.Tax software programs can flag errors like this, but every filer should still pay close close attention when reviewing their returns before sending them in, particularly pen-and-paper filers.2. Using the wrong filing statusThere are five filing options: single, married filing jointly, married filing separately, head of household and qualifying widow/widower with dependent child.Choosing the right status is important as it affects how much you pay in taxes. For instance, filing as head of household provides more benefits than married filing separately, explained Mark Steber, chief tax officer of Jackson Hewitt Tax Services.3. Forgetting to report incomeUncle Sam needs to know about all your sources of income last year: your salary, side-hustle cash, retirement withdrawals and gambling winnings. All of it.So don't leave anything out. If you get caught with unclaimed income, you could get hit with major penalties.4. Hiring a pro when you can DIYSome people have very complicated tax situations where an expert needs to be brought in. But many Americans have simple filings that might not require professional assistance, the experts said.If you have an adjusted gross income of ,000 or less, check if you can file your federal taxes for free using the IRS's Free File software options.5. Not taking all eligible deductionsDon't leave money on the table or pay more in taxes than you have to.Take the time to figure out which credits and deductions you're eligible for to reduce your tax liability and get as much back as possible. The IRS isn't going to tell you if you missed a valuable credit you could have claimed, said Steber.The Earned Income Tax Credit, for example, is commonly overlooked, with about one in five eligible taxpayers missing out on it, according to H&R Block. It's a sizeable credit with an average amount of more than ,400.6. Being disorganizedTax forms tend start rolling in at the start of the year that detail your sources of income.Some forms will come in the mail, while others can be retrieved electronically. Just be sure to collect them all before you file.Lisa Greene-Lewis, a CPA and tax expert from Turbo Tax, suggested keeping a folder by your mail so you can instantly drop the paperwork in and keep everything in one place.It's also helpful to keep an updated log throughout the year for things like mileage and charitable donations that you plan to claim on your return.7. ProcrastinatingTax season comes every year, there's no escaping it.While the actual deadline may vary (read why here), you know you have to send in your taxes every April. Yet many Americans scramble to get their returns in.By waiting until the last minute, you increase your risk of mistakes.8. Not filing a returnNot everyone has to file a tax return. But even if you don't have any tax liability, it could be in your best interest to file anyway.The IRS will only issue refunds to filers. So if you had too much federal taxes withheld from your paycheck or are eligible for other credits, you have to file a return to get the money.Earlier this month, the IRS said it had .1 billion in unclaimed federal income tax refunds for around 1 million people who didn't file a tax return in 2014.  3747

The American Red Cross is now checking all blood donations for coronavirus antibodies, instead of just searching for recovered patients. The organization is calling it a “game changer.”“We can then not only inform that donor of the testing results that we've identified COVID-19 antibodies in their blood, but also use that product as convalescent plasma to help patients who are ill with COVID-19 in the hospital,” said Dr. Pampee Young, Chief Medical Officer at the American Red Cross.Early results from the National Institutes for Health show the plasma can make a big difference for severely sick COVID-19 patients. And data from these new tests will help those researchers working to better understand the virus.The Red Cross says the need for whole blood donors is constant, but plasma is more unpredictable.Over the summer, plasma supplies ran low after unprecedented infections and demand in some states.Now, they're asking more donors to step up to restock for another potential surge in the fall and winter.“Because we can’t predict the demand, we want to ensure that we have enough inventory, because what really saves lives are the units that are on the shelf, not something that we need to collect once we realize there’s a need,” said Young.The Red Cross has taken additional safety steps during the pandemic. That includes making an appointment.You can sign up online at RedCrossBlood.org or by using the blood donor app. 1444

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