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Tax season — and tax refunds — can be a financial lifeline for many Americans. But the season can pose challenges for those who owe money to the IRS.Over 18 million Americans owed taxes in September 2014, according to the most recent data from the IRS. Meanwhile, an estimated 10 million face tax penalties each year, the IRS found.Here are three tips to help you handle your tax debt to lessen penalties and properly resolve your obligation.1. Act now 460

Strong winds and heavy rain have battered parts of Italy, causing nine deaths and the worst flooding seen in Venice for at least a decade.Schools have been closed around the country and the authorities have warned against non-essential travel as the Civil Protection Agency issued multiple weather warnings.Two young people died south of Rome when a tree hit their car, while another person was killed in the nearby town of Terracina as winds brought down scores of pine trees. Among the other victims was a 21-year-old man who was hit by a falling tree while walking in Naples, while a woman died after being struck by debris blown off a building in the northern region of Liguria.A volunteer firefighter who was helping with the emergency response in San Martino in Badia in the country's north is also reported to have died.Much of the Italian lagoon city of Venice was engulfed with water after high tides and strong winds caused the most severe flooding for years. 977

Tenants and landlords around the country have been on a roller coaster ride with the eviction moratorium ordered by the Center for Disease Control and Prevention, in September. The mandate protecting tenants was put in place last month by the CDC after President Donald Trump signed an executive order. However, within days, landlords pushed back, filing several lawsuits against the CDC. As the lawsuits are being fought, the CDC is quietly rolling back its initial eviction protection through new guidance it put out last week.“The changes created new burdens for renters to have to meet and created some holes in the protection that those renters need,”said Dian Yentel.Yentel is with the National Low-Income Housing Coalition. NLIHC is an organization concerned about the new burden renters now face to prove their financial distress, but also over this new bit of information released in the CDC latest guidance. That new bit clarifies, for landlords, that they can proceed with filing evictions.“Landlords can file evictions and courts can essentially take every step in the eviction process up to actually removing somebody from their home,” added Yentel.”That has a significant impact and ultimately will mean more low-income people leaving their homes before the moratorium even expires.”Yentel explained many tenants do not want to go through an eviction process and tend to move out before the court-ordered eviction date under pressure. Some will move in with friends or family, potentially crowding homes and putting even more people at greater risk for catching COVID-19.The National Apartment Association, which attached itself to the lawsuits against the CDC, cautions the new guidelines aren’t as big of a victory as they may seem for landlords. They do not put landlords much closer to recovering back rent, what a report by Stout Risius Ross estimates to be - billion.“I think the guideline put out by the CDC provide a path forward, I still maintain that the guidelines are a half step to a solution,” said Bob Pennigar, who heads the NAA.A full step, he said, would be a solution that helps landlords and tenants. Interestingly enough, advocates on both sides have found some common ground there. Both have called for stimulus money allocated for rent.“We still need to have a stimulus act that will provide direct rental assistance,” said Pinnegar.“At least 100 billion dollars in emergency rental assistance,” added Yentel.However, Congress has the last say in what will be included in a stimulus package and whether there will even be another one. Both the House and Senate have been unable to agree on a new stimulus measure for months, and it’s becoming less clear if or when they will. It is however, more likely that a court will rule on whether to uphold the eviction moratorium or not, before then. 2842

Tens of thousands of children around the country will be getting a holiday puppy this year, but others will end up empty-handed and disappointed, ripped off by a puppy scam that has only gotten worse during the pandemic.So before you start looking for one, we have the warning signs a cute pup you find for sale is really a scam to steal your heart and your money.Penny Lloyd wanted to buy her kids a Yorkshire Terrier puppy -- a Yorkie -- for their home this Christmas."It was going to be a Christmas gift," she said.She found an ad on Facebook offering discount puppies."I saw this advertisement on Facebook, and I opened up the app and it said 'Yorkies for sale, half price, originally ,400 on sale for 0.'"It was a great price; so, she messaged the seller."I did, but I never got any response," Lloyd said.It's probably a good thing she never heard back, according to the Better Business Bureau, which says there is a good chance it was a scammer who would have asked for a deposit.That is what happened to Jo Standridge last year. She wired 0 via Western Union to a website -- now gone -- called Best Mini Shnauzers.com.That was the end of the seller, and of her puppy dreams."I tried to text him numerous times after that," she said. "Called him, couldn't get through. That was the end of the communications. Nothing."Puppy scam worsens during pandemicThe puppy scam has been around for more than five years, but the BBB says this year it's getting worse because so many people want either a "pandemic puppy" or a holiday puppy.Sara Kemerer of the Better Business Bureau said real puppy photos get reposted at counterfeit websites."It's very easy for scammers to steal a video or picture of a pet from the internet to make the pet seem real," she said.But the pups are always out of town, and the seller will ask hundreds of dollars for shipping and insurance.Once you wire them the money, they and their ad disappear.How to protect yourselfSo what can you do? Kemerer says ask for video of the seller with the pup. Ask them to hold it up in front of their phone."You can ask the breeder to do a video call using FaceTime, Zoom, or Skype to see if that pet is actually real," she said.Chances are Penny Lloyd's Yorkie seller would have refused, because he never had any puppies.Warning signs include:The dog is out of town, and you cannot see it in personThe breeder needs to ship it to youThe breeder needs money for shipping and insuranceThe seller will not take a credit card (where a fraudulent charge can be disputed)The seller cannot do a Zoom or Facetime video with you where he is holding the puppy (because he has no puppy)The best way to avoid a puppy scam is to shop local and avoid any puppy that has to be shipped to you.Or better yet, adopt an unwanted dog so you don't waste your money.__________________________Don't Waste Your Money" is \a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3133

The Big Ten Conference announced on Wednesday that they would start its football season, which consists of 10 in-conference games, on Sept. 5.In a news release, the conference released the schedule for the upcoming season, with games slated to end on Nov. 21 to align with academic calendars.Conference officials also set out parameters on the medical protocol as the landscape of the coronavirus pandemic continues to unfold.“Our institutions are committed to taking the necessary measures to facilitate a safe return to campus for our students this fall,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President in the press release. “Since the beginning of the pandemic, we have prioritized the health and safety of our students. Their welfare is paramount and remains at the forefront of all of our decisions. Today’s announcement, though subject to local, state and federal public health guidelines, provides a path forward for Big Ten student-athletes to return to competition based on comprehensive, conference-wide medical policies and protocols established by the Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee. We will continue to evaluate the best available information and advice from public health officials as we make decisions and necessary adjustments going forward.”Conference officials said the 10 conference-only games would be played over 12 weeks. 1482

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