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With a down payment of less than 20%, both FHA and conventional loans require borrowers to pay mortgage insurance premiums. This insurance helps defray the lender’s costs if a loan defaults. 190

When you have large lots with lush vegetation, you use a lot more water, said Silva-Send.The water districts with the lowest daily usage: are Vista Irrigation District, City of San Diego and at the bottom, Sweetwater Authority, at 56 gallons per person.The lessons learned from using less water weren't lost on Meraz. She plans to replace parts of her yard with turf and concrete. "The expense was too much, but I'm hoping the rest of the plants will be green like they used to be," said Meraz. 495

When we approach them and talk to them and explain to them what they've been doing, a lot of times, the horror is there, said Steven D'Antuono, an FBI section chief specializing in financial crimes. It's all walks of life, all educational levels. Anyone can fall victim to this." 279

While you must report taxable gains on any realized bitcoin transaction, the IRS also gives you a bit of relief and the potential for a tax break. You can deduct capital losses on bitcoin, just as you would for losses on stocks or bonds, and offset other gains on sale. When you’re done tallying your winners and losers, you can’t write off a loss of more than ,000.With the drastic fluctuation in bitcoin’s price in 2017 and 2018 — trading from less than ,000 to nearly ,000 and then back down to ,000 — many bitcoin speculators will have losses. If you have losses on bitcoin or any other cryptocurrency, make sure you declare them on your tax return and see if you can reduce your tax liability.A tax liability just for using bitcoin? It’s one more reason to be very careful with the cryptocurrency. 821

You can follow her on Twitter here. Susan Gonzalez is a digital producer and reporter for the E.W. Scripps national team. You can follow her on Twitter @TheNewsan. 168

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