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The millions of people who were unemployed this year may want to start planning now for tax season. Unemployment income is taxable.If you didn't already choose to have those taxes taken out, a CPA tells us there are other options.You could get ahead of it and make an estimated tax payment for the fourth quarter.The drop in income may also mean you're eligible for other deductions and credits, like the earned income tax credit or the child and dependent care credit.“That's an income-based one that's based on a sliding scale, depending on how much you make. So, if you made less money, you could see more of that,” said Lisa Greene-Lewis, CPA and tax expert at TurboTax.Questions on stimulus payments will also be part of your tax return. That money is not taxable.If you got too much, you do not have to pay it back. But if you didn't get the amount that you're eligible for, you can get it as a recovery tax rebate.While working from home, some people stayed in other states. That could potentially put you on the hook for two state tax returns, depending on how long you stayed there.Because of the 2017 tax law, deductions for working from home will mostly only apply to those who are self-employed.Self-employed workers could also be eligible for new credits. You can claim them when you file or estimate those credits and keep them in your pocket now.“If you were sick or you took care of someone that was sick or took care of a family member, there's a qualified sick and family leave credit, and they can be worth thousands of dollars,” said Greene-Lewis.The IRS hasn't said when the tax filing season will open, but it's usually in early January. 1667

The incoming White House administration will have to handle dual public health crises, COVID-19 and racism.President-elect Joe Biden and Vice President-elect Kamala Harris met with the top civil rights leaders Tuesday night.During the meeting, Biden and Harris were commended on recent diverse picks for top cabinet positions, like retired Geb. Lloyd Austin as the country's first black Pentagon chief, and Rep. Marcia Fudge to lead the Department of Housing and Urban Development.“And we want to ensure that that momentum and that progress is going to continue through the remainder of the appointments he makes,” said Marc Morial, President of the National Urban League.Morial says the meeting was candid and productive. He says his organization will support but also hold the administration accountable to their commitments on racial equity and it starts with COVID-19.“Ensuring that there's a plan to educate people in the community, to educate Black people and brown people about the process of the vaccine, about the safety and effectiveness of the vaccine, so people can make their own decision,” said Morial.A top concern among civil rights leaders is vaccine access. Morial says the distribution system shouldn't be solely reliant on chain pharmacies, hospitals and doctors.“To be able to distribute the vaccine at schools, at libraries, at community centers, why not use covered stadiums in some communities, that covered staples in places like Indianapolis and New Orleans and Houston,” said Morial.The head of the NAACP also asked the president-elect for a new national adviser position that would focus on creating policy centered around racial justice and equity. 1685

The NBA season is set to resume next week in Orlando, Florida, and the league’s court is ready for the resumption of play.On Tuesday, the NBA unveiled a court painted with “Black Lives Matter” at center court in front of the scorers’ table. Fans will get to watch the courts put to use beginning tomorrow as teams will hold scrimmages on the court.Twenty-two of the league’s 30 teams will conclude the season in Orlando after a four-month hiatus.During the league’s coronavirus hiatus, the country has faced unrest following the death of George Floyd while in police custody on Memorial Day. Since then, the league and its players said they'll work on ways to spotlight social justice.“Our platform in Orlando presents a unique opportunity to extend the ongoing fight against systemic racism and police brutality in this country,” NBPA Executive Director Michele Roberts. “We will continue to work with our players and the League to develop specific plans in Orlando as well as long-term initiatives to bring about real change on these issues.” 1052

The impact of the pandemic appears to have reached the North Pole. For this holiday season, Santa may be stuck behind Plexiglas. Malls across the country are planning pandemic-minded visits to help prevent the spread of the coronavirus.Mall Santa Steve Miller has been putting on the red suit full-time for four years.“I prefer to do the mall, because I do it for the kids,” sad Miller.But this year, there won’t be any hugs or sitting on Santa’s knee.“Because of the virus, it's going to take a little of fun out of it, but it's going to be much more safe, which is the number one thing that we want,” said Miller.Appearances by St. Nick at malls, corporate events and private appearances is a holiday tradition that’s already being impacted by the pandemic.“We've been working with a lot of retailers as well as malls too. How can we still have the experience of Santa, but keep everybody safe?” said Mitch Allen, founder of HireSanta.com.According to entertainment staffing firm Hire Santa, bookings that usually peak beginning in early November were down 95% due to coronavirus concerns. But after advertising their safety efforts, demand is up 20% compared to this time last year.“The Santa Claus entertainers, as you can imagine, they're a high-risk group. So, we want to make sure that Santa's safety is our number one priority,” said Allen.Allen says they’ve developed a Plexiglas "Santa shield" that creates a physical barrier to allow for photos with Santa.“We at HireSanta.com are also working on virtual Santa visits where you can literally visit with Santa within the confines of your own home,” said Allen.Brookfield Properties, the second largest operator of U.S. malls, says it will host Santa in 134 of its 150 plus malls with "touchless experiences."Santa’s Village, a popular Illinois amusement park temporarily shut down by the pandemic, is taking Santa on the road.“For over 60 years, boys and girls have come to the house here in the park to visit me. But now we're going to take my house to your house,” said the amusement park’s Santa Claus.Their mobile Santa home has a separate entrance and exit to maintain social distancing, and a working fireplace will keep visitors warm and plenty of masks and "Santa-tizer" will be on hand as well.“It's great, because we can actually bring again that magic from the park to people's individual homes in local communities,” said Santa’s Village marketing director Brian Wright. “That way people can actually have a personalized visit with Santa.”Whether behind Plexiglas or inside a traveling "One North Pole," changes are afoot to ensure that Santa Claus is still coming to town. 2653

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211