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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

With a rising number of positive COVID-19 cases in Northeast Ohio and local government-imposed requirements to wear them in public places, it is safe to say that masks are here to stay for the foreseeable future. To help alleviate one particular annoyance of wearing masks, a North Ridgeville company is seeking a patent on its mask design that prevents the mask wearer's glasses from fogging.Larry Nolan, the owner of Versa-Flex Inc., filed paperwork with the U.S. Patent and Trademark Office shortly after the COVID-19 pandemic began, seeking a design patent for his anti-fog mask. Nolan, who has spent the better part of his adult life inventing and designing high-quality bags and carrying cases for the camera and film equipment, initially didn't want to make masks. However, he began to seriously consider the venture when a friend of his presented him with a problem."She said the biggest problem they have is their glasses fogging up," Nolan said. "It took me a minute and a half, seriously, a minute and a half and I said, 'that's not a problem. Seriously, that's not a problem.'" After coming up with the design for the three-part mask, which features a gasket-like top layer that extends over the nose and upper cheekbone, Nolan began sewing."You have a cotton-polyester layer. [There is] a filter in the center. And I have a cool mesh on the inside that helps make your breathing easier," Nolan said. Nolan is also working on a design that could incorporate an N-95 or P-95 mask.Versa-Flex is selling its three-layer masks on its website and through Etsy. The masks also come with a variety of different decals, including the United States Marine Corps, the Rocky River Pirates, Lakewood Rangers, and the North Ridgeville Rangers. The company also sells mask designs to look like the Cleveland Browns logo.The masks are made by hand and can be purchased from to .75."I have a hard time saying no. People say you have to say no or you're not going to make any money," Nolan said. "That's the problem, I don't know how to say no and I don't make any money." Nolan's first breakthrough product came in the early 1990s. It was a five-in-one reflector used by photographers and videographers. However, Nolan said the product's intellectual property was quickly stolen and taken to China where it could be mass-produced. The saga taught him a valuable lesson, he said."It's been a tough road," Nolan said. "Things just keep on changing. There is no such thing as a steady flow. Everything is a change. You have to adapt."Adapt, he did. Versa-Flex, which is a combination of the words versatile and flexible, has been a mantra of sorts for the company. Nolan has secured multiple contracts with the NFL, NFL Films, and HBO's Hard Knocks for different bags used to carry or conceal audio equipment needed for a television production."I don't see the numbers in my head. I don't. I see designs. I see ideas," Nolan said. "I don't sleep at night because all I do is think."Nolan, a disabled veteran, said his knack for inventing and tinkering came from his biological father, whom he shares a patent with for a blow-up toilet seat cushion. Nolan jokes about the absurdity of the product now. After high school, Nolan enlisted in the Navy, where he continued to invent."You see all this stuff that's on this aircraft carrier. They had to start from scratch. Everything on this carrier is an invention. Everything," Nolan said. "Everything you see in this space, somebody had to create it, design it, draw it, and get it off the ground. If it didn't work, they had to try the second time. It's perseverance. You can't give up you can't surrender."All of Nolan's products are made in the United States, using as many domestically made products as he can. His most recent purchase, a massive embroidery machine, was manufactured by a company in Solon. By having high standards for quality, Nolan said many of his products have lasted longer than the companies that purchased them."It takes just as much labor to make a crap product as it does to make a good one. It's just material costs are slightly different," Nolan said.WEWS' Jordan Vandenberge first reported this story. 4245

Why are stocks falling again? President Donald Trump says it's because Democrats are gearing up to use their impending control of the House of Representatives to investigate him. As always, when it comes to the markets, the real answer is complicated.The Dow fell by more than 600 points on Monday, dragged down by investors' concerns about the tech sector and the rising dollar. The Nasdaq fell 2% and the broader S&P 500 fell 1.2%.Apple (AAPL) fell 5% after supplier Lumentum cut its earnings and sales forecast because of weak demand, and JPMorgan cut its target price on Apple's stock. That weighed on other technology stocks, including Amazon (AMZN) and Tesla (TSLA) -- down 4% -- as well as Facebook, which fell 3%. Google (GOOGL), Netflix (NFLX) and Microsoft (MSFT) were all down more than 2%.The strong dollar also weighed on stocks. The US currency surged to a 16-month high because investors fear the European economy could stall if no Brexit deal is reached this week. Prospects of another rate hike from the Fed next month have also helped lift the dollar. The rising dollar is a signal of a strong economy, but it hurts sales and profits for American companies that do business overseas.Though Trump blamed Democrats for the drop, the Dow had actually bounced back since the midterms, rising last week in its best showing since March. Wall Street tends to like stagnation in Washington, so investors are actually just fine with Democrats taking the House.As for what Trump termed the "prospect of presidential harassment," there is not much evidence the stock market will bat an eye if Democratic leaders in the House begin investigations into the Trump administration. Stocks rose before, during and after President Bill Clinton's impeachment. 1800

We've all been here before, trying to back out of a crowded parking lot having a near miss or even worse, a crash. But avoiding these types of accidents is getting easier thanks to new technology. It could save lives, and money.Back in the day you'd have to turn around look out of the window and hope you didn't hit anything. But now cameras are pretty standard in most new cars. They will be mandatory in all new cars starting this spring. And it's more than just a nice thing to have, it's just one of several technologies that are really reducing crashes.The rear view camera gives you a look at things you sometimes can't see with your own eyes. It eliminates those blind spots.Then there are parking sensors. Those are those sometimes annoying beeps or vibrations in your seat that let you know when your car is getting too close to something behind it.     But what researchers found to be most helpful in preventing rear crashes is the rear automatic emergency braking system. It can detect if something is behind you while you're backing up and can automatically brake if you can't or wont stop.Together, this technology dream team is reducing back up crashes reported to police by 78 percent, according to a new study from the Insurance Institute for Highway Safety.Most rear crashes don't result in serious injuries, but you never know who or what might be behind you. Using this technology could save you a lot of stress and potentially thousands in repair costs. 1503

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647