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WASHINGTON, D.C. – The Internal Revenue Service (IRS) says it’s sticking with its July 15 deadline for Americans to file and pay their federal taxes.The original filing deadline and payment due date for 2019 was postponed from April 15 to July 15 due to the coronavirus pandemic.However, the IRS says taxpayers who are unable to meet the July 15 deadline can request an automatic extension of time to file until Oct. 15. You can file for an extension here.Those filing for an extension must do so by July 15. The IRS says the extension provides additional time to file a tax return, but it’s not an extension to pay any taxes due.The IRS urges people who owe taxes, even if they have a filing extension, to carefully review their situation and pay what they can by July 15 to avoid penalties and interest.“The IRS understands that those affected by the coronavirus may not be able to pay their balances in full by July 15, but we have many payment options to help taxpayers,” said IRS Commissioner Chuck Rettig. “These easy-to-use payment options are available on IRS.gov, and most can be done automatically without reaching out to an IRS representative.”While the deadline for federal taxes remains on April 15, states may have different deadlines for their taxes. A list of state tax division websites is available through the Federation of Tax Administrators.Click here for more information from the IRS, including payment options. 1442

We already know Mexico will take a brutal hit from Hurricane Willa. But in the United States, the same monstrous storm could spawn widespread misery, including flooding and even this year's first nor'easter.Here are three ways Hurricane Willa could wreak havoc from Texas to New England: 295

We’re primed to get suckered this holiday season. Tight budgets, wishful thinking that we can get a screaming deal if we hurry, and plain old impulsive spending are a dangerous mix. Scammers know this.One example: Clicking an online ad, maybe for an ornament featuring a Santa with twinkling eyes and a smile hidden under a cloth mask, may put you at risk for identity theft — or maybe just for a bad deal.Kathy Stokes, AARP’s director of fraud prevention programs, says she once bought “the funniest T-shirt from a Facebook ad. It never came.” That was before Stokes began working in fraud prevention.So how do we prepare for battle? Three ways: Protect our mobile devices, recognize and avoid risks, and guard against identity theft.Make your mobile device saferYour device is only as safe as you make it. Avoiding free Wi-Fi at coffee shops and other public places is a good first step, but also:1. Secure devices with a difficult-to-guess password and/or biometrics. If you can use a fingerprint or facial recognition to sign in, that’s best. If two-factor authentication is available, use it.2. Heed notifications to update your software. Many times, updates improve security. This is true whether it’s your operating system, virus protection or an app.3. Use a virtual private network. A VPN gives you an encrypted “tunnel” when you use public Wi-Fi. Protecting a device isn’t expensive — you can protect several devices for less than a month. There are also free VPNs offered online. But Adam Levin, the author of “Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves,” recommends sticking with the ones that charge, because of the risk that free ones will collect your data. Failing that, he recommends using your phone as a hot spot or using your provider’s closed cellular network.Be careful when shopping onlineStokes and Levin agree that using a credit card is essential when shopping online. A debit card withdraws your money immediately. But you can dispute a credit card charge and not have to pay while it’s being investigated.Slow down and be careful. Stokes says duplicated or spoofed websites can take advantage “when you get a text or you get an email and you get excited because it’s this thing you really wanted to buy and you can get it really cheap — and you just click and go and you don’t look for any red flags.”Other safeguards:4. Use a virtual wallet if the site allows it. Card numbers are encrypted, meaning your actual card number is not shared when you make a purchase.5. Go to the source. Don’t click on ads on social media or even in texts or emails. Some are scams. If the retailer is new to you, Stokes recommends checking carefully for contact information and for return and refund policies.6. Be cautious. When going to a site, type the URL carefully, then double-check, advises Levin. “Typo-squatters” have sites that are almost indistinguishable from the real ones.7. Don’t open attachments. The exception is if you are expecting an attachment from someone you know. Spoofing is sophisticated; the sender may not be who you think it is.8. Use retailer apps. Your payment information is better protected that way. If you regularly buy from a particular retailer — or will this holiday season — go ahead and download the app, Stokes advises.9. Use strong passwords. Using a password manager app can set complex passwords and remember them for you. If a retailer website offers to store your payment information, decline. The less information you rely on others to protect, the better.Guard against identity theftHolidays are big for identity thieves because criminals “are geniuses when it comes to taking a situation and radically turning it to their benefit,” says Levin, who is also the founder of CyberScout, a company that offers identity protection and fraud resolution services.Add to that the loneliness of the pandemic. “People are desperate to get a phone call from anyone,” Levin says, and may be more willing to talk.Protect yourself from identity theft with these tips:10. Don’t give your card number if you get a call or email to “confirm a purchase.” Real credit card issuers do not need it. If you think a retailer might be trying to contact you, initiate the call or send the email using contact information that you look up yourself.11. Don’t respond to an email “double-checking your address” for a package delivery. That may be a scam, Levin says.12. Sign up for text alerts when your credit card is used. Levin advises setting the purchase amount very low; identity thieves may test a stolen card number with small purchases.13. Check to see if you have free or discounted ID theft insurance available. You can’t entirely eliminate your risk, and it’s easier to recover from identity theft with help. An organization you belong to, your employer or your insurer may offer free or deeply discounted protection. Failing that, you can consider buying some.More From NerdWalletHow to Shop Black Friday Deals Online7 Free Apps for Black Friday ShoppingDo You Need Identity Theft Protection Services?Bev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 5196

WEST ORANGE, N.J. – Remote learning is no easy task for typical children, but for families with special needs students, having kids home from school not only makes learning tough, it takes a toll on their ability to get necessary therapies.The Senek family from New Jersey has lived this reality for the past five months. Their 12-year-old daughter, Josephine, struggles with mental and physical disabilities, and during the pandemic, these challenges have become more present than ever.“She’s got multiple disabilities, including a rare chromosome disorder, she’s missing connective tissue in her brain, and in addition, she’s got autism,” said the young girl’s mother, Krysta Senek.Like families across the country, Senek and her family were forced into remote learning because of COVID-19, but she found a totally different education experience between her typical son and her special needs daughter’s classwork and resources.“The at home learning was not good,” laughed Senek. “We did try it, we attempted,” she said of keeping up with her special needs daughter’s assignments and care.“It’s different because we’re mom and dad,” she said. “We’re not teacher were not therapist, we’re not aide, we’re mom and dad. Yet, Senek and her husband were thrust into all those roles without help or guidance in the beginning.“Emotionally, we were wrecked,” she said. “She would meltdown and hit us, she would scratch us and bite us, pull our hair, just throw a meltdown, strong hard screaming meltdowns.”Josephine’s aides were trained for and equipped to handle those meltdowns.In school, Josephine had those professionally trained aides with her throughout the day, but when the pandemic hit, that help stopped. She eventually got some help from a therapist who now comes to assist at certain times during the week. But Senek said the change in routine and change in those around her really upset her daughter’s learning.“It just blew her up, and she couldn’t focus she couldn’t learn, she couldn’t get therapy,” said Senek.For special needs students, the therapy they get every day in school is critical to developing life skills and social skills.“I just don’t want her to go backwards,” Senek said. “When a child with disabilities goes backwards, it takes us twice as long to get us back where we need to be.”Those therapies provide health care too, and now that Josephine isn’t in school, Senek said she’s had a hard time keeping her daughter’s back and leg braces on during the day.“They were getting her to wear it at school, and then because she’s so used to wearing it at school, it wasn’t a problem to put it on her at night, but that stopped,” said Senek. “She hasn’t worn her scoliosis brace since March, and her feet are starting to collapse, so those things are going to affect her.”Senek said the last few months have impacted her own health too.“Our school district and the school, they all thought about what’s best for the kids, what’s best for the staff, nobody thought about the parents,” she said.It’s been the toughest time in her life as a mother.“We suffer from things like PTSD, and I even suffer from that, and it’s because of my daughter. I don’t blame my daughter, but it’s as a result of caring for a child with special needs that I have PTSD,” said Senek.This emotional weight is a feeling Senek knows other families in her shoes feel too, especially when thinking about the future.“It makes me emotional, and it makes me scared because I have no idea what her future is going to hold for her. It’s going to set all of the kids back,” said Senek.It’s a fate this mother fears will alter her daughter’s life forever.“I’m nervous that maybe she would’ve been in a group home, independent, and now, she won’t qualify for independent group home. She might need a nursing home,” Senek said.Thankfully for the Seneks, their teenage son Sheldon is stepping in for the summer to be Josephine’s aide. But this help will end when Sheldon goes back to school himself.“It’s been really nice to physically see her more, but kind of see how she’s like as a person,” said the high school student. “Rather than, ‘Oh yeah that’s my sister, it’s like, that’s my sister.’”Senek is hopeful this fall her daughter can return to school safely or find another aide once her son goes back to school. She warned for all families with special needs students, the time to ask for help is now.“Moving forward, we need the proper assistance,” Senek said. “Regardless of where we are with this pandemic, the special needs population cannot be forgotten, they’ve already been forgotten, and they cannot be.” 4609

We know many of you have questions about the upcoming election. Today, we’ll be joined by Darrell West, from The Brookings Institute. He’ll join us to talk about his research on the vote-by-mail process across the country, how it works, and if it increases election fraud. You can join us at 9:30 a.m. for the conversation right here on Facebook 353

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