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If the pandemic caused you to relocate across state lines, even temporarily, the next surprise could be having to file an extra tax return and potentially pay more taxes.The issue gained national attention in May, when Gov. Andrew Cuomo of New York said out-of-state health care workers who came to help with the pandemic would face New York income taxes.Cuomo’s comments generated outrage, but in fact, most states tax people who earn money within their borders, even if those people usually live and file tax returns elsewhere. Even a single day in some states can trigger a tax bill.Remote working could mean tax hasslesMultistate taxation has long been a headache for entertainers, athletes, professional speakers and others who earn money in more than one state. Snowbirds, retirees who move south for the winter, can face it as well. Now it could be a problem for many people who relocated, however temporarily, because of the pandemic.Nearly one in 10 young adults, those ages 18 to 29, said they had relocated because of the pandemic, according to a Pew Research Survey poll taken in early June. Overall, 3% of adults said they’d moved and 6% said someone else had moved into their households. Those who moved cited reducing their risk of infection (28%), college campuses closing (23%), wanting to be with family (20%) and job loss or other financial issues (18%).Changing attitudes about remote work mean that multistate taxation could be an issue for more people and companies in the future. Nearly half of the company leaders surveyed by research firm Gartner in June said they planned to let employees work remotely full time even after people can return to the workplace. Remote working allows people to move to more affordable areas, which could be in a different state. But having even a single employee in another state can raise business and sales taxes for their companies.A tangle of tax rulesFor individuals, double taxation, having to pay taxes in two or more states on the same income, is possible because state rules differ so widely. In most cases, though, the taxpayer’s home state will offer a credit for taxes paid in other states, says Eileen Sherr, senior manager for tax policy and advocacy for the Association of International Certified Professional Accountants.But there are scenarios where someone could end up paying more without technically being taxed twice, Sherr says. If the tax rate in the new location is higher, for example, the home state’s credit may not offset the whole bill. Also, if the person’s home state doesn’t impose an income tax but the other state does, then there’s no credit to offset the additional taxes.Another issue: failing to file a required state tax return, either because people didn’t know the other state required it or because they’re hoping to get away with it. That can lead to audits, taxes, penalties and amended returns, says Mark Klein, chairman of Hodgson Russ law firm in New York City. Auditors often can figure out where you were when by using cell phone records and credit card receipts.You can, of course, decide to make your move permanent. But if you change your mind, move back and get audited, the auditors will conclude that you never truly left, Klein says.“The real test is whether you stick the landing,” Klein says.What can be doneSome states have long-standing reciprocity agreements, usually with neighboring states, that will prevent commuters from having to file multiple state tax returns, Sherr says. In addition, 13 of the 41 states that tax income have said they will give remote workers a break if they moved because of the coronavirus, she says.Sherr suggests that people who may be affected by another state’s tax laws talk to a tax pro to assess what their liability might be and discuss the situation with their employer, in case their withholding needs to change. She also recommends people keep good records so they can track how many days they earned money in each state and how much.It’s possible that Congress could provide some help. A proposal in the Senate’s pandemic relief bill would require that states maintain the pre-pandemic status quo — in other words, pay for newly remote workers would be taxed the way it was before the pandemic. The bill also would create uniform rules for assessing state and local income taxes.Those ideas may face opposition from states desperate to replace lost revenue, however. The lockdowns quashed economic activity, and the resulting recession has made consumers and businesses cautious about spending money, further reducing tax revenues.“The states need money,” Klein says. “Because of COVID, they need more money than ever before.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Renters Are Struggling, and What to Do With an Old 401(k)Distance Learning Can Fit Into Your Back-to-School BudgetThe 2 Costs That Can Make or Break Your Nest EggLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5077

Images from Niagara Falls are going viral online, showing the stark difference in how Canadian and American companies and customers are handling social distancing guidance during the pandemic.The pictures and videos being shared compare two boats, one with a lot of people onboard and one with very few people onboard. The Canadian tour boats are seen with hardly any people onboard, while the American boats have people shoulder-to-shoulder. @samatha.1617 Niagara Falls, the Canadian boat versus the American boat ##maidofthemist ##canada ##niagarafalls ##fyp? Titanic - Titanic For those not familiar with the international site along the New York-Ontario border, on the American side is a company operating boat tours called Maid of the Mist which gives its passengers blue rain ponchos and on the Canadian side is Hornblower Cruises which gives their riders red ponchos.Maid of the Mist recently posted on Twitter thanking their customers for social distancing. 977

In a few weeks, thousands of college students will begin their yearly right of fall by returning to the campus of Tufts University in Medford, Massachusetts, but a return to campus life this year will mean testing and quarantining for those students who chose to come back.Like colleges and universities across the country, Tufts is experimenting with a new plan that will allow more than 5,000 students to come back to campus while at the same time, instituting rigorous new guidelines in an effort to keep COVID-19 from spreading.The key to success, testing.“We wanted to test for COVID at a frequency that would catch people when they’re asymptomatic before they have a chance to spread,” explained Tuft’s President Anthony Monaco.Tufts plan for the fall is as complex as the virus itself. Students from outside the Northeast will be brought back to campus first, where they will be forced to quarantine for 14 days. Health officials expect at least a small portion of those students to test positive for COVID-19 the moment they step back on campus. Because of that, the university has constructed an extra 200 modular units of dorm space. The idea of the modular facilities is to give campus health officials a contained area to monitor students who test positive for the virus, while at the same time, keeping them out of the general population.After students from outside the Northeast are brought back to campus, students from the general area around New England will return.Every single student will be tested twice a week for COVID-19, something experts say will be a key component to safely reopening college campuses this fall. Regardless, school officials expect students to test positive for the virus throughout the fall.Researchers at Yale’s School of Public Health have been advising Tufts and hundreds of other colleges who are planning to resume some form of in-person learning this fall.“If we don’t test frequently, we give silent spreaders an opportunity to grab hold and this virus is hard to play catch-up with,” explained Professor A. David Paltiel, who recently published a study on how quickly the virus can spread through colleges if left unchecked.To study the virus, Paltiel and his colleagues used epidemic modeling to assemble hypothetical situations resembling a college campus. The study found that if you take 5,000 healthy students and add in only 10 students who have COVID-19, hundreds, if not thousands, of kids will be sick by Thanksgiving.“At that point, the only thing that keeps the virus from getting out of control is Thanksgiving break,” he said.That is why testing is key, the study found. When Paltiel took those same 5,000 kids and added in 10 students who have COVID-10, but tested every student twice a week, the study found that only about 100 students ended up catching COVID.“Many universities are planning to only test students who have symptoms, in our view that is a recipe for disaster,” he said.Only adding to the uncertainty of the situation, about 40 percent of college students said they would return to live near campus even if classes were held virtually. Paltiel and other health officials say because of that, it’s more beneficial to have students on-campus where they can be monitored and tested frequently.“It’s hard and it could be a nightmare, people who say we shouldn’t open campuses should remember the nightmare doesn’t go away,” he said. 3420

If you're waiting on a furniture delivery, you're not alone. Some customers are reporting delays of four months or more assuming you can find the item you want in stock.Like everything else, the coronavirus pandemic has complicated distribution for the furniture business, and no one is immune to the problem of supply, demand and disruption."This has been a fundamental shock to the system,” says Michael Miller, chief operating officer at Convey, a technology company that helps retailers do better deliveries.“Our network has over 5 billion shipping events so we track every single data point from when a package leaves a fulfillment center, goes on a truck, goes to all of the different handoffs, and then reaches your door,” Miller added.Convey supports big, small and specialty retailers. Miller says the disruption in online business is complicated. And while things are getting better amid attempts to rebound and adjust to a new normal, there's a lot that can't be fixed overnight.“People are getting creative but the common denominator is they need more drivers, they need more trucks, they need more warehouses to keep up with this demand,” Miller said.Modloft, a Miami-based company that sells elite, contemporary and modern furniture, has 60% of its items on backorder, which company chief marketing officer Sean O’Brien said is “historic.”The “factory could have a delay, the transit company could have a delay bringing it into port, the port could have a delay, the warehouse could have a delay, there’s all sorts of places along the line where things can get backed up and we have to be good about communicating to the customer what’s happening and when,” O’Brien said.Modloft saw a good April and a historic summer for sales, breaking company records But, like all other businesses who are trying to get customers their goods as fast as possible, stock is a problem.“Customers are frustrated they can’t get a particular sofa or color they want for 90 days and this is happening at all brands,” O’Brien said. Customers “may have been to four other stores and come to us as the fifth and still frustrated with the same experience.”A-list celebrities are Modloft customers, like professional athletes and Grammy-nominated recording artists, but no matter your name, your wait time will be the same.“If you see something you like, grab it,” Miller said. “There are definitely supply shortages out there. I would pounce, not wait if you see something available. Secondly, pay close attention to what the retailer is telling you about the estimated delivery date. This is very, very important.”Convey says customers should sign up for alerts, make sure an estimated delivery date is clearly displayed before you buy, and be patient. Especially through the holiday shopping season. 2799

If you are filing for divorce, it could take much longer than you think. There is a backlog in family court of about four months, according to the Court Executive Officer, Michael Roddy.  Sherman McEachern found that out as he was going through his divorce process. He and his soon to be ex-wife filed for divorce in October. McEachern said it should have been finalized in April. When he tried to find out why divorce documents were not mailed back to him yet, he learned it was going to take much longer. “I called the clerk’s office. That was the first time, I realized they were telling me we’re eight to ten months behind,” McEachern said.  It’s affecting him both personally and financially. “I can’t change health insurance until I have the signed divorce decree. She doesn’t want to use my health insurance because we’re separated, getting a divorce, so I’m paying for coverage no one’s using,” McEachern said. “We’re hearing a lot of complaints from people,” Roddy said. “They want to get divorced.” Roddy said this fiscal year, they’ve had to make million in budget cuts on top of a million deficit.  “That’s a million dollar hit to the court. We lost about 100 employees and we had a hiring freeze,” Roddy said.  In small claims court, Roddy said it takes about a year to set your case for trial.  When asked who is at fault for the backlog, Roddy said it started with the recession. “The recession hit California very hard, hit the courts very hard, and we have not bounced back to that level,” Roddy said. “It’s just very frustrating because every day, I’m still being tied to a marriage that we both have left from,” McEachern said. He added that it is “disheartening” that people pay for a process and the service isn’t being delivered. Roddy said they are hoping for more money in this next fiscal year, which they can use for personnel. He is expecting a flood of new orders in family court as the new tax law could affect divorce cases, with the changes in alimony payments. 2076