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When you sit down to do your taxes in the next six months, there are some things you need to know. There'll be a lot of changes to what you can deduct when you file your taxes next year.Elaine Espinola is one of the 150 million Americans who is gearing up to file a tax return under the new law."Sounds like I can't deduct a lot of things that we had been,” Espinola says.Shes right.Tax expert Ed Karl says the tax bill that passed last December is the biggest overhaul to the tax code in over three decades."Nothing of this magnitude since 1986,” Karl explains. 575

WILMINGTON, Del. – During a year-end address, President-elect Joe Biden warned that country is far from emerging from the coronavirus crisis.“Our darkest days in this battle against COVID are ahead of us, not behind us. So, we need to prepare ourselves and steel our spines,” said Biden in Wilmington on Tuesday. “As frustrating as it is to hear, it’s going to take patience and persistence and determination to beat this virus. There will be no time to waste in taking the steps we need to turn this crisis around.”Watch Biden's speech below:During his speech, Biden spoke about the 0 billion COVID-19 relief bill that Congress approved Monday and is awaiting President Donald Trump’s signature. He said the bill is a good next step, but more funding will be needed in the coming year.“I have said all along, this bill is just a first step — a down payment — on addressing the crisis we’re in. We have a lot more work to do,” said Biden.Biden also took the chance to express sympathy for the many American families who are struggling financially and emotionally as they celebrate the holidays in isolation amid the global pandemic.“With over 320,000 lives lost to this virus, Jill and I send our prayers to all of you facing this dark winter with an empty seat at the dinner table where your loved one used to sit, talk, and laugh,” said Biden. “Our hearts go out to all of you who have fallen on hard times through no fault of your own, unable to sleep at night, weighed down with the worry of what tomorrow will bring for you and for your family.”Like for Thanksgiving, the Centers for Disease Control and Prevention (CDC) is encouraging people to celebrate the end of year holidays at home with the people you live with. Gatherings with family and friends who do not live with you can increase the chances of getting or spreading COVID-19 or the flu.“Like we did over Thanksgiving, we all have to care enough for each other that we have to stay apart just a little longer,” said Biden. “I know it’s hard, but we have a long way to go.”Biden also encouraged Americans to continue taking the necessary precautions to prevent the spread of the coronavirus as the nation ramps up its vaccination efforts.“We need everyone to mask up, stay socially distant, and avoid large gatherings,” said Biden. “And we need to work in a bipartisan way. That’s the only way we’ll get through this.”Biden himself received his initial dose of Pfizer’s COVID-19 vaccine on Monday, shortly after his wife did as well. He joined a growing list of officials who have publicly been vaccinated to show confidence in the vaccination process.During his remarks, Biden said he has “absolute confidence in the vaccine,” but the country is short on supply. He explained that vaccinating millions of people will be a logistical challenge.“Taking the vaccine from a vial and into the arms of millions of Americans will be the biggest operational challenge we’ve ever faced. It will take many more months for that to happen,” said Biden. “In the meantime, the pandemic rages on.”Early next year, Biden said he will put his plans for what’s to come before the Congress. He said we will need more help to fully distribute the vaccine, to reopen our schools, to help our front-line workers, and to make sure those struggling to make ends meet are taken care of.On his day in office, Biden says he will enact masking requirements, a new strategy on testing, and work on accelerated production of protective gear.Biden also discussed the recent cyber security breach against U.S. companies and federal agencies. He blamed the Trump administration for failing to prioritize cyber security“From eliminating and/or downgrading cyber coordinators at both the White House and the State Department, to firing his Director of the Cybersecurity and Infrastructure Security Agency, to President Trump’s irrational downplaying of the seriousness of this attack,” said Biden. “In an age when so much of our lives are conducted online, cyber attacks must be treated as a serious threat by our leadership at the highest levels.”Biden said he believes we must treat cyber threats with the same seriousness of purpose that we treated the threat of other unconventional weapons.“We must work with our allies to establish clear international rules and mechanisms to enforce them and consequences for those that violate them,” said Biden.After his remarks, Biden took questions.When asked about the potential for more direct payments, Biden said his plan will include a new round of stimulus checks for the American people, but the amount is a “negotiating issue.”Regarding his choice for attorney general, he said he’s still trying to determine who will serve in that role and that “there’s not an obvious choice in mind.”When asked if he would announce his 2024 bid early to show he's not going to be a lame duck president, Biden said, "I'm not going to be a lame duck. Just watch me. Just watch me." 4960

While traveling with his parents on route to Virginia from New Jersey, James Murray made an attempt to get on I-95 and make a smooth sailing trip to his destination.But, Maryland's weather and high winds had other plans."The rain was okay, and getting out of New Jersey was fine, but then we got into and crossed over Maryland and they closed I-95 down, it was crazy," said Murray.In a Facebook Live, Murray goes into detail about his tense situation.Murray says he recalls the traffic being stand still and officials forcing all the vehicles off of the interstate into a little town called Port Deposit.It was starting to hit the late hours of midnight and Murray's parents, who were also in the vehicle, began to feel worried that they wouldn't be able to find their way. With no hotels and no opened restaurants in the area, they all started to feel concerned while driving through the unknown town for hours.That's when Murray saw an opened restaurant called Jumbo Jimmy's and immediately pulled into the parking lot to enter the restaurant. He was then greeted by a woman behind the counter who told him that the restaurant's kitchen was closed. After the woman took a second glimpse at Murray and recognized who he was, she immediately told him that they'll be more than happy to open the kitchen to serve him."The people were so lovely, so lovely in this place, not just the people that worked there, but the patrons were so nice and friendly, and they treated my parents like a million bucks." Murray also goes on to share that many people in the restaurant extended their generosity and were willing to open their homes to him and his parents. Murray says him and his parents stayed overnight with a local nurse named Ruthie who accommodated them.During his Facebook Live video, Murray got emotional while expressing his gratitude towards the people, town, and restaurant who turned his uncomfortable situation into a very memorable and comforting one."I guess what I am trying to say is, there's good out there in the world," said Murray, "If ever you think that the world is [bad] don't worry there's lots of good people." 2181

WINNIPEG, Manitoba (AP) — Canadian fashion mogul Peter Nygard has been arrested in Winnipeg. Court records show Nygard, 79, was arrested under the Extradition Act and is set to appear in a Winnipeg courtroom this afternoon.According to the U.S. Attorney’s Office for the Southern District of New York, Nygard faces a nine-count indictment in the United States on racketeering, sex trafficking, and related crimes.Manhattan federal prosecutors stated Nygard’s charges relate to a “decades-long pattern of criminal conduct involving at least dozens of victims in the United States, the Bahamas, and Canada, among other locations.”Earlier this year, U.S. federal authorities raided the Manhattan headquarters of the Canadian fashion mogul in February. This search came amid claims he trafficked and sexually assaulted dozens of teenage girls and women.The FBI searched the designer’s Times Square offices less than two weeks after 10 women filed a lawsuit accusing Nygard of enticing young and impoverished women to his estate in the Bahamas with cash and promises of modeling opportunities.According to prosecutors, from 1995 to 2020, Nygard used his international fashion brand to recruit and pay for sex with the victims, who were put on the payroll as “models” or “assistants.”Prosecutors said Nygard allegedly referred to the victims as his “girlfriends,” which required them to travel and stay with him at his palatial properties in California, the Bahamas, and Canada.According to the press release, Nygard allegedly hosted so-called “Pamper Parties,” named for their buffet, open bar, and spa treatments, to recruit more girls and young women.According to prosecutors, he allegedly would use a “girlfriend” or employee to scout out a chosen victim — who would then be forced into sexual activity and paid in cash.Prosecutors said Nygard also is accused of hosting sexual “swaps” with other friends and business associates, who would bring a “date” to trade for sex with one of his “girlfriends.”Nygard kept the “girlfriends” under constant surveillance, insisting they needed his permission to leave the properties, prosecutors said.According to the AP, several of Nygard’s victims claim they were 14 or 15 years old when the fashion mogul gave them alcohol or drugs and then raped them. 2300

Whether you can afford a home depends — a lot — on the city you want to call home. A modest income can go a long way in Cumberland, Maryland, the metropolitan area with the nation’s most affordable houses. In contrast, the least affordable homes are in the San Jose, California, metropolitan area — the center of Silicon Valley.In Cumberland, a median-priced house costs less than two years’ median household income. By contrast, the typical home in San Jose costs about 10 years of household income.NerdWallet calculated affordability for 173 metropolitan areas by comparing the median annual household income and the monthly principal-and-interest payment for a median-priced single-family home. “Median” means half of the values or incomes are higher and half are lower. Those comparisons revealed the five most- and least-affordable markets for buying a home.The lists were compiled using data from the National Association of Realtors, the Census Bureau and NerdWallet surveys.? MORE: How much can you afford in your area? 1045