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If you've seen all those stories about tiny homes and are thinking about whether the lifestyle would work for you, don't take HGTV's word for it - ask someone who, four years ago, built one herself, downsized in a big way, and still lives in one now! Kristina Guerrero talked to Jenna Spesard of Tiny House, Giant Journey to get the truth about 3 things it takes to live tiny. 384

In advance of hurricane season, Florida Power and Light is reviewing plans to make sure power is restored quickly after a storm. This week the company is holding its annual storm drill, simulating a Category 3 hurricane. During the drill, the company says it is incorporating lessons learned from Hurricane Irma, which knocked out power to 6.7 million electrical customers, according to the U.S. Energy Information Administration (EIA).EIA reports the rate of electric service restoration following Hurricane Irma was faster than Hurricane Wilma in 2005. Five days after Irma’s landfall, the share of customers without power had fallen from a peak of 64 percent down to 18 percent -- a recovery rate of about 9 percent of customers per day.Power outages during Wilma declined from 36 percent of customers to 16 percent by the fifth day after landfall. This is an average recovery rate of about 4 percent of customers per day. FPL credits the improvement to money spent on infrastructure improvements. Since 2006, more than 860 main power lines were hardened; within the next five to seven years FPL wants to harden all of them.Strengthened power lines perform approximately 40 percent better than non-strengthened lines, FPL said.This year, FPL plans to undertake the following additional initiatives to improve the reliabilityof service: 1416

If you’re holding onto a Toys “R” Us gift card or store credit, you’ll want to use it very soon.The company recently announced its closing all of its stores, and told Scripps station WRTV in Indianapolis that customers have only until April 15, 2018 to use gift cards.However, it’s a good idea to use them as soon as possible, whether in-store or online, according to the Federal Trade Commission.If you do buy something, consider it a “final sale” and don’t plan on getting a refund if you buy something that doesn’t work.“Even if store credit is an option – you’d want to use that quickly too. If you have questions about refund and return policies, ask before you make any purchase,” said Colleen Tressler, FTC Consumer Education Specialist. “In addition, Toys"R"Us says its other customer programs, including Rewards dollars and Endless Earnings, are being honored for the next 30 days.The?news of the 735 store closures means shoppers can expect discounts as the retailer liquidates.Depending on the timeline, the sales could be modest at first. The biggest discounts will come later.Over nearly seven decades in business, Toys "R" Us has built up 1,600 stores around the world. About 880 of them are in the U.S. 1235

In a joint press release on Thursday, a group of Trump administration officials called the 2020 election "the most secure in American history," directly contradicting the President.In their statement, the members of the Election Infrastructure Government Coordinating Council (GCC) Executive Committee added that "there is no evidence that any voting system deleted or lost votes, changed votes, or was in any way compromised."“While we know there are many unfounded claims and opportunities for misinformation about the process of our elections, we can assure you we have the utmost confidence in the security and integrity of our elections, and you should too," the statement read, in part. "When you have questions, turn to elections officials as trusted voices as they administer elections.”The statement added that all states that use computerized voting systems also have paper records of each vote, meaning states can further verify results if needed.Ten members of the GCC signed the statement.The press release was issued by the Cybersecurity & Infrastructure Security Agency, an agency within the Department of Homeland Security. The GCC is a coalition of federal government agencies, as well as state election offices and secretaries of state with the goal of providing security and "resilience strategies" for elections of all levels across the country.Their statement directly contradicts claims made by President Donald Trump, who has not yet conceded to President-elect Joe Biden. Trump has claimed without evidence that the 2020 presidential election was beset by widespread voter fraud. The Trump campaign has filed several lawsuits in key battleground states to contest the results of the election, but the suits have not yet fundamentally altered the state of the race. 1800

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

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