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Tax Day is now just two weeks away and the average return is about ,500. It’s tempting to just spend it, but before you do, here are some ideas to make the most of your money.Before you go crazy shopping or spending it on something extravagant, press the pause button. Think about all the things you could do with it, like pay off, or pay down, your debt to create financial freedom and create financial flexibility. 426

Subscription video-on-demand service Hulu announced that beginning Dec. 18, its two Live TV bundles would increase by per month.According to Hulu, Hulu + Live TV will go from .99 to .99, and Hulu (No Ads) + Live TV will spike from .99 to .99.Variety reported that new rates would apply to both current and new subscribers.News of the new rate comes exactly one year after the Disney-controlled company raised its prices last year.According to USA Today, Hulu will be the most expensive of the cable TV streaming alternatives.A few weeks ago, Netflix raised its standard and premium plans for its US subscribers. YouTube TV costs monthly, AT&T starts at , T-Mobile's TVision is , Sling starts at , and Philo is .None of them, however, offer ad-supported versions, USA Today reported.Hulu subscription without Live TV channels is not going up, Hulu's website showed.Hulu operates the most massive live TV streaming service in the US, with more than 4 million subscribers. In comparison, YouTube TV has 3 million subscribers, The Hollywood Reporter reported. 1095

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

The auction house says it didn't know anything about it. The artist famously doesn't like to show his face. The buyer is a mystery. So, for that matter, is the seller.In the case of the "self-destructing Banksy", nothing adds up.The startling stunt at Sotheby's in London has set the art world aflame. The image of a girl reaching out for a red, heart-shaped balloon had just sold, for .4 million.Moments later, a shredder hidden inside the picture frame began to whirr, the canvas slid down, and at least part of it ended up in strips.Sotheby's claimed it had been "Banksy'd."The British street artist, famous for being faceless, is certainly well known for his stunts. In 2006 he secretly erected a life-size replica of a hooded Guantanamo Bay detainee inside a ride in the California Disneyland theme park. In 2013 he set up a stall selling his original artwork for in a New York market and filmed people passing by, convinced that because of the price, the works were fake. 991

STATEN ISLAND, N.Y. — The first summonses for violating statewide quarantine orders have been issued by the New York City Sheriff's Department Friday, according to a law enforcement source.A vehicle was pulled over on the Goethals Bridge Friday afternoon, the source said. During the stop, the driver and passenger each admitted to being in South Carolina for a week, having been back for 5 days. They admitted that they had not been quarantining.Then, they refused to fill out the required travel form. according to the source.In addition, the driver also was also allegedly operating the vehicle without a valid driver's license.Both the driver and passenger given two summonses each: one for violating the executive order, and one for violating public health law for failure to follow the travel advisory.Each summons could be accompanied by an up to ,000 fine at the judge's discretion.The driver was also ticketed for driving without a license.This article was written by WPIX. 992