ResidentialBusiness

Elon Musk ally Michael Grimes has overseen shake-up of office doling out billions of dollars in semiconductor subsidiesView the full article

Scott Turner, secretary of the Department of Housing and Urban Development, extended borrowers more leeway after he toured the region with a local official. View the full article

The national average for a gallon of gasoline has declined slightly, dropping one cent from last week to $3.11, according to AAA. The decrease is attributed in part to lower crude oil prices, though market fluctuations and the seasonal transition to summer-grade gasoline may impact prices at the pump in the coming weeks. AAA also noted that the national average per kilowatt hour of electricity at public EV charging stations remained unchanged at 34 cents. Fuel Supply and Demand Trends According to the latest data from the Energy Information Administration (EIA), gasoline demand rose from 8.45 million barrels per day (b/d) last week to 8.87 million b/d. Total domestic gasoline supply declined from 248.3 million barrels to 246.8 million barrels. Meanwhile, gasoline production increased, averaging 9.6 million barrels per day. As of today, the national average for a gallon of gasoline is $3.11, reflecting a decrease of two cents from a month ago and a decline of 27 cents compared to this time last year. Oil Market Update At the close of Wednesday’s formal trading session, West Texas Intermediate (WTI) crude oil dropped $1.95, settling at $66.31 per barrel. The EIA reported a 3.6 million-barrel increase in crude oil inventories from the previous week, bringing total U.S. crude oil inventories to 433.8 million barrels—approximately 4% below the five-year average for this time of year. Gasoline and Electricity Price Rankings Most Expensive Gas Markets: California: $4.74 Hawaii: $4.54 Washington: $4.11 Nevada: $3.79 Oregon: $3.73 Alaska: $3.43 Arizona: $3.38 Pennsylvania: $3.28 Illinois: $3.21 Washington, DC: $3.21 Least Expensive Gas Markets: Mississippi: $2.64 Kentucky: $2.69 South Carolina: $2.70 Tennessee: $2.71 Louisiana: $2.71 Texas: $2.73 Alabama: $2.74 Oklahoma: $2.76 North Carolina: $2.76 Arkansas: $2.77 Electricity Costs at Public Charging Stations Most Expensive States for Public EV Charging (per kWh): Hawaii: 56 cents West Virginia: 47 cents Montana: 45 cents Idaho: 42 cents Tennessee: 42 cents Arkansas: 42 cents New Hampshire: 42 cents South Carolina: 42 cents Kentucky: 41 cents Alaska: 41 cents Least Expensive States for Public EV Charging (per kWh): Kansas: 22 cents Maryland: 25 cents Missouri: 25 cents Nebraska: 26 cents Delaware: 29 cents Iowa: 29 cents Michigan: 29 cents Utah: 29 cents Texas: 30 cents North Dakota: 31 cents With fluctuations in oil prices and the seasonal transition to summer-grade gasoline, fuel costs may vary in the coming weeks. This article, "Gas Prices Hold Steady as Oil Costs Decline" was first published on Small Business Trends View the full article

The national average for a gallon of gasoline has declined slightly, dropping one cent from last week to $3.11, according to AAA. The decrease is attributed in part to lower crude oil prices, though market fluctuations and the seasonal transition to summer-grade gasoline may impact prices at the pump in the coming weeks. AAA also noted that the national average per kilowatt hour of electricity at public EV charging stations remained unchanged at 34 cents. Fuel Supply and Demand Trends According to the latest data from the Energy Information Administration (EIA), gasoline demand rose from 8.45 million barrels per day (b/d) last week to 8.87 million b/d. Total domestic gasoline supply declined from 248.3 million barrels to 246.8 million barrels. Meanwhile, gasoline production increased, averaging 9.6 million barrels per day. As of today, the national average for a gallon of gasoline is $3.11, reflecting a decrease of two cents from a month ago and a decline of 27 cents compared to this time last year. Oil Market Update At the close of Wednesday’s formal trading session, West Texas Intermediate (WTI) crude oil dropped $1.95, settling at $66.31 per barrel. The EIA reported a 3.6 million-barrel increase in crude oil inventories from the previous week, bringing total U.S. crude oil inventories to 433.8 million barrels—approximately 4% below the five-year average for this time of year. Gasoline and Electricity Price Rankings Most Expensive Gas Markets: California: $4.74 Hawaii: $4.54 Washington: $4.11 Nevada: $3.79 Oregon: $3.73 Alaska: $3.43 Arizona: $3.38 Pennsylvania: $3.28 Illinois: $3.21 Washington, DC: $3.21 Least Expensive Gas Markets: Mississippi: $2.64 Kentucky: $2.69 South Carolina: $2.70 Tennessee: $2.71 Louisiana: $2.71 Texas: $2.73 Alabama: $2.74 Oklahoma: $2.76 North Carolina: $2.76 Arkansas: $2.77 Electricity Costs at Public Charging Stations Most Expensive States for Public EV Charging (per kWh): Hawaii: 56 cents West Virginia: 47 cents Montana: 45 cents Idaho: 42 cents Tennessee: 42 cents Arkansas: 42 cents New Hampshire: 42 cents South Carolina: 42 cents Kentucky: 41 cents Alaska: 41 cents Least Expensive States for Public EV Charging (per kWh): Kansas: 22 cents Maryland: 25 cents Missouri: 25 cents Nebraska: 26 cents Delaware: 29 cents Iowa: 29 cents Michigan: 29 cents Utah: 29 cents Texas: 30 cents North Dakota: 31 cents With fluctuations in oil prices and the seasonal transition to summer-grade gasoline, fuel costs may vary in the coming weeks. This article, "Gas Prices Hold Steady as Oil Costs Decline" was first published on Small Business Trends View the full article

What if extreme heat not only leaves you feeling exhausted but actually makes you age faster? Scientists already know that extreme heat increases the risk of heat stroke, cardiovascular disease, kidney dysfunction and even death. I see these effects often in my work as a researcher studying how environmental stressors influence the aging process. But until now, little research has explored how heat affects biological aging: the gradual deterioration of cells and tissues that increases the risk of age-related diseases. New research my team and I published in the journal Science Advances suggests that long-term exposure to extreme heat may speed up biological aging at the molecular level, raising concerns about the long-term health risks posed by a warming climate. Extreme heat’s hidden toll on the body My colleagues and I examined blood samples from over 3,600 older adults across the United States. We measured their biological age using epigenetic clocks, which capture DNA modification patterns – methylation – that change with age. DNA methylation refers to chemical modifications to DNA that act like switches to turn genes on and off. Environmental factors can influence these switches and change how genes function, affecting aging and disease risk over time. Measuring these changes through epigenetic clocks can strongly predict age-related disease risk and lifespan. Research in animal models has shown that extreme heat can trigger what’s known as a maladaptive epigenetic memory, or lasting changes in DNA methylation patterns. Studies indicate that a single episode of extreme heat stress can cause long-term shifts in DNA methylation across different tissue types in mice. To test the effects of heat stress on people, we linked epigenetic clock data to climate records to assess whether people living in hotter environments exhibited faster biological aging. We found that older adults residing in areas with frequent very hot days showed significantly faster epigenetic aging compared with those living in cooler regions. For example, participants living in locations with at least 140 extreme heat days per year – classified as days when the heat index exceeded 90 degrees Fahrenheit (32.33 degrees Celcius) – experienced up to 14 months of additional biological aging compared with those in areas with fewer than 10 such days annually. This link between biological age and extreme heat remained even after accounting for a wide range of individual and community factors such as physical activity levels and socioeconomic status. This means that even among people with similar lifestyles, those living in hotter environments may still be aging faster at the biological level. Even more surprising was the magnitude of the effect – extreme heat has a comparable impact on speeding up aging as smoking and heavy alcohol consumption. This suggests that heat exposure may be silently accelerating aging, at a level on par with other major known environmental and lifestyle stressors. Long-term public health consequences While our study sheds light on the connection between heat and biological aging, many unanswered questions remain. It’s important to clarify that our findings don’t mean every additional year in extreme heat translates directly to 14 extra months of biological aging. Instead, our research reflects population-level differences between groups based on their local heat exposure. In other words, we took a snapshot of whole populations at a moment in time; it wasn’t designed to look at effects on individual people. Our study also doesn’t fully capture all the ways people might protect themselves from extreme heat. Factors such as access to air conditioning, time spent outdoors and occupational exposure all play a role in shaping personal heat exposure and its effects. Some individuals may be more resilient, while others may face greater risks due to preexisting health conditions or socioeconomic barriers. This is an area where more research is needed. What is clear, however, is that extreme heat is more than just an immediate health hazard – it may be silently accelerating the aging process, with long-term consequences for public health. Large swaths of the U.S. population are experiencing long stretches of extreme heat, as this map of cumulative heat days from 2010 to 2016 shows. [Image: Eunyoung Choi, CC BY-ND] Older adults are especially vulnerable because aging reduces the body’s ability to regulate temperature effectively. Many older individuals also take medications such as beta-blockers and diuretics that can impair their heat tolerance, making it even harder for their bodies to cope with high temperatures. So even moderately hot days, such as those reaching 80 degrees Fahrenheit (26.67 degrees Celcius), can pose health risks for older adults. As the U.S. population rapidly ages and climate change intensifies heat waves worldwide, I believe simply telling people to move to cooler regions isn’t realistic. Developing age-appropriate solutions that allow older adults to safely remain in their communities and protect the most vulnerable populations could help address the hidden yet significant effects of extreme heat. Eunyoung Choi is a postdoctoral associate in gerontology at the University of Southern California. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

Other trackers like Zillow and Lender Price on Thursday morning have the 30-year fixed moving higher, following a jump in the benchmark 10-year Treasury yield. View the full article

Leaders’ summit also aimed at endorsing increased defence spending View the full article

As the April 15 tax filing deadline approaches, it's important to separate fact from fiction when it comes to preparing your returns. "Tax laws are often summarized for [the] sake of quickly explaining a potential benefit—or conflict," says Andy Phillips, Vice President of H&R Block’s Tax Institute. "When details are omitted, it’s easy to misinterpret law or consider the advice of a trusted friend versus taking time to do firsthand research." Blindly following someone else’s bad tax advice could cost you precious time and money. "I can file my tax return with the details from my last paycheck stub." The figures listed on your last paycheck stub may be close to what will be released on your W-2, but it’s not guaranteed that the numbers are always right. Plus, as Phillips explains, this is technically not allowed. "Your last pay stub is not considered an IRS-recognized document for filing. It’s common for calculations to be slightly off throughout the year and not be accounted for until end of year. Payments such as bonuses and commissions can easily be forgotten, and no one enjoys the process of filing an amended return." Phillips' advice: Wait for your employer-prepared W-2. He adds that you should "be wary of return preparers who advertise paystub filing, which is against the rules." The employer should have issued your W-2 by Jan. 31 at the latest. "Being unemployed means I don’t have to pay taxes." If you receive any form of unemployment benefits either from the city, state, or federal level, then that’s considered income. All income should be reported on your tax return. Unemployment benefits paid are typically reported with a Form 1099-G. This form functions similarly as a W-2, outlining how much you were paid and if taxes were withheld. "Any money that I give counts as a charitable contribution." Of course, giving without the expectation of repayment is an admirable gesture. However, Phillips notes that only charitable gifts and donations made to IRS-qualified tax-exempt institutions are tax-deductible. Typically, a receipt is provided when a tax-deductible gift is received. If you recently made a donation and are unsure if your donation was made to a qualifying organization, use the Tax Exempt Organization Search Tool located on the IRS website. Furthermore, you must itemize to deduct charitable contributions, meaning those claiming the standard deduction are not able to deduct those donations even if made to a qualified organization. “If I work from home I can take a deduction for my home office.” With the rise of remote work in the last few years those that work from home may think they can claim the home office deduction. Unfortunately, as Phillips explains, if you are an employee, you cannot claim the deduction—the deduction for employee business expenses was suspended beginning in 2018. On the other hand, if you are self-employed and have a home office it is likely that you can claim the home office deduction. “This social media post told me that I can claim ...” As I wrote last week, certain tax "loopholes" may go viral, but that doesn't mean they're good for your specific tax situation. All across social media, I see creators telling people they can claim tax benefits that are either nonexistent or that they’re not eligible for. Philips concurs: Taxpayers should exercise caution when relying on claims made on social media and should ensure they only use reliable sources when making tax decisions. "A tax filing extension gives me more time to pay my balance due." Unfortunately, an extension of time to file does not give you more time to pay. Phillips says that "you should try your best to pay your estimated balance due when you request an extension." If you can’t pay, filing a tax return is the first crucial step to determine your eligibility to enroll in an IRS-approved installment payment plan. As Phillips explains, neglecting to file on time subjects you to a failure-to-file penalty, which starts at 5% of your unpaid taxes per month, up to five months. If the return is more than 60 days late, a minimum penalty applies. For this year, the minimum penalty is the lesser of 100% of the unpaid tax or $510. On the other hand, the penalty for just failing to pay is only 0.5% of the unpaid taxes for each month or part of a month the tax remains unpaid. "This is why it’s so important to file a return, even if you cannot pay the full amount due," Phillips urges. As long as you file, these penalties combined won’t exceed 25% of your unpaid taxes. Phillips also notes that interest also begins to accrue after the due date on the amount you owe IRS. By steering clear of these common tax myths, you can avoid costly mistakes and headaches this filing season. As always, it's best to consult a qualified tax professional who can look at your specific situation and give you legitimate, tailored advice. View the full article

UK prime minister talks to around 20 countries about joining ‘coalition of the willing’View the full article

Crisis meeting called after £6.6bn NHS England deficit predicted and national medical director resigns View the full article

The National Flood Insurance Program, estimated to cover over 4 million homeowners, is set to lapse next Friday along with the federal budget. View the full article

With tax season in full swing, it's prime time for married couples to maximize all the tax breaks available to them. One strategy that you don't want to leave on the table: making spousal IRA contributions. If one spouse isn't employed, they might be missing out on putting retirement assets in their name—not to mention reducing the tax-deferred growth possibilities as a couple. Spousal IRA contributions can double your retirement tax breaksThe IRA contribution limits for 2024 are $7,000 for those under age 50, and $8,000 for those age 50 or older. To clarify: You can make 2024 IRA contributions until the tax deadline on April 15, 2025. Generally, you can only contribute up to these limits for your own IRA, meaning you must have an income that will allow you to do so. And as always, you can and should max out these limits, if possible. However, with a spousal IRA, your spouse can also contribute up to the limit in an IRA under your name. That effectively doubles the amount your household can sock away in IRAs (pre-tax or Roth) each year. The only requirement is that the spouse who owns the IRA must have enough earned income to cover both contributions. For example, let's say Alex earns $100,000 per year and her husband Kevin is a stay-at-home dad with no income. Alex can contribute $7,000 to her own IRA. She can also contribute $7,000 to an IRA that is under Kevin's name. That's $14,000 total that the household can now save in IRAs, rather than just Alex's $7,000 limit. How spousal IRAs workA spousal IRA isn’t actually a separate type of IRA account—rather, it’s just a traditional IRA or Roth IRA set up in the name of a spouse who has little to no income. This may include those who are caregivers for children or other family members, workers who have returned to school, or people who have left the workforce for another reason. To be eligible for a spousal IRA, you have to meet a few requirements: You must file taxes as “married filing jointly.” The earning/contributing spouse must make enough to cover the contributions to both their own IRA and the spousal account. There are income-based contribution limits for Roth IRAs and tax deduction limits for traditional IRAs based on your tax filing status. These may affect which type of account you select. One key to a spousal IRA is that ownership stays with the person named on the account, no matter which spouse is contributing the funds. This also means that an existing IRA—funded while the owner of the account was in the workforce—can function as a spousal IRA if that person is no longer earning income and their partner simply contributes to the account on their behalf. The bottom lineEligible couples can use a spousal IRA to double their contributions to traditional individual retirement accounts (IRAs) even if only one partner has an income, and deduct a total of $14,000 (rather than $7,000 for the individual income earner) for 2024, as long as they do so by April 15. So there is still time for married couples to make spousal IRA contributions and double their tax-advantaged retirement savings—just be sure to specify which spouse the contribution is for when sending funds to your IRA provider. With a little planning, a spousal IRA strategy can significantly boost your households' retirement funds. And you can get an immediate tax deduction on your taxes if you make the contributions prior to tax day—so don't leave this tax break on the table. View the full article

The Top 50 Firm is acquiring a firm based in the northwest suburbs of Chicago that specializes in real estate clients. View the full article

YouTube's recent price hike has clearly left a hole in the market. If you want a fully ad-free YouTube experience, you currently need to pay $13.99/month (up from $11.99) or use a third-party workaround. But now, YouTube has a compromise. The service's new Premium Lite plan comes in at $7.99/month ($6 cheaper) and is supposed to block ads on most, but not all, content. With YouTube Premium Lite, YouTube won't show ads on popular categories of long form video, like gaming, fashion, beauty, news, and more. That's a bit vague, but in a video with Johanna Voolich, YouTube's Chief Product Officer, she says this means that all "core creator content", including podcasts, gaming streams, and makeup tutorials will all be ad-free. The catch is that other content, like music and music videos, won't be. That said, I am curious where the line between "core creator" content starts and stops—it'll take some time before subscribers really test the boundaries of this system. What if a smaller creator has a gaming video that doesn't get flagged as being part of YouTube Gaming? Missing features Credit: YouTube Aside from ad-free play, the cheaper plan misses out on two other big Premium features. Namely, you won't get offline downloads or background play. There's no access to YouTube Music either, since that would give you ad-free listening. YouTube Premium Lite is designed for people who want to watch creator-uploaded long form content in peace, without ads, and who don't care about supplemental features or YouTube spin-offs. If you instead prefer to watch offline or like listening to long podcasts in the background or have playlists saved in YouTube Music, the $13.99/month YouTube Premium plan will probably still be more up your alley. YouTube is rolling this out as a pilot test program in the US, so how the subscription works might change in the future. The company plans to expand the testing to Thailand, Germany, and Australia in coming weeks. View the full article

Japan’s Seven & i, the parent company of the Japanese 7-Eleven convenience store chain, said Thursday it is selling its supermarket store assets to Bain Capital for about $5.4 billion. The company announced the deal a day after naming Stephen Dacus, its board chairman, to be its president and CEO. It also said it plans an initial public offering in the U.S. of 7-Eleven or SEI, its convenience store business in North America, by the end of 2026. Funds from the IPO and the sale to Bain will be returned to shareholders in the form of share buybacks worth 2 trillion yen ($5.4 billion). Seven & i’s share price jumped 6.1% in Tokyo. The deal follows Seven & i’s rejection of a takeover bid by Canada’s Alimentation Couche-Tard. Dacus said earlier that the offer had undervalued the potential of the convenience store business and failed to fully address U.S. regulatory concerns. The 7-Eleven franchise includes 86,000 stores in the U.S., Japan and other Asian nations. Last year, Seven & i announced a restructuring plan to strengthen its U.S. operations and streamline operations, closing some Ito-Yokado supermarkets in Japan. The omnipresent 7-Eleven convenience stores remain popular in Japan, having replaced many mom and pop shops. Convenience stores are a mainstay in many neighborhoods. Seven & i earlier sold its Sogo & Seibu department stores in Japan to Fortress Investment Group, a U.S. fund, for $1.5 billion. It said it also plans to reduce its share in Seven Bank —Elaine Kurtenbach, AP Business Writer View the full article

Remember when “team building” meant awkward icebreakers and trust falls? Well, the hybrid work revolution has tossed that playbook (and the mandatory nametags) out the window. With hybrid job postings skyrocketing from 9% in Q1 2023 to nearly 23% by the end of 2024, it’s clear that the workplace landscape is evolving faster than you […] The post Has anyone seen Jeff? How hybrid work shakes up team dynamics appeared first on RescueTime Blog. View the full article

Move would expand one-month carve-out for car imports to include all USMCA-compliant goodsView the full article

Aside from the launch of the sky blue M4-powered MacBook Air, this week's flurry of Apple announcements saw the introduction of the most powerful Apple silicon desktop processor yet. Given Apple's numbering scheme for its own chipsets, you'd think that would be one with an M4 label attached, but it's actually the M3 Ultra, which will power the newest Mac Studio. Since Apple started releasing its own chipsets with the M designation, we've seen a variety of different labels attached. First came the standard processor, then the Pro, then the Max, and then the Ultra, with performance improving with each iteration. We're now up to the M4 Max and the M3 Ultra. When preordering directly from Apple, you can fit the latest Mac Studio with either the M4 Max or the M3 Ultra, but the latter's superior capabilities are evident in the pricing: The starting price of an M3 Ultra Mac Studio is double that of an M4 Max Mac Studio. The M3 Ultra is available in the new Mac Studio. Credit: Apple Here's what's going on: As with previous generation chipsets with the Ultra moniker, the M3 Ultra is essentially two M3 Max processors fused together and appearing as one, using a technique Apple calls UltraFusion. You're basically getting twice the performance: This piece of silicon features an incredible 184 billion transistors. So many coresHere are some more stats: The M3 Ultra offers up to 32 CPU cores (compared to 24 on its most comparable predecessor, the M2 Ultra. It sports up to 80 CPU cores (compared to 76 on the M2 Ultra), 32 neural cores (the same as the M2 Ultra), support for up to 512GB of memory (compared to 192GB on the M2 Ultra), and up to 819GB/s of memory bandwidth (compared to 800GB/s). Overall, performance is around 1.5x of the Apple M2 Ultra. While the M2 Ultra chipset is the direct forebear to the M3 Ultra, if you're buying a Mac Studio, you'll be choosing between the M3 Ultra to the M4 Max—the latter being the processor that launched last year with the refreshed MacBook Pros. The M4 Max gives you up to 16 CPU cores, up to 40 GPU cores, 16 neural cores, support for up to 128GB of memory, and up to 546GB/s of memory bandwidth. One of the benefits of the M3 Ultra supporting so much RAM—more than half a terabyte—is that users can run more powerful AI models locally, on their own machines. A Mac Studio with an M3 Ultra inside should have enough oomph to run something like DeepSeek R1 locally, without having to connect to servers in China. Apple's two latest chipsets, compared. Credit: Apple The M3 Ultra also comes with a Thunderbolt 5 upgrade, doubling the maximum data transfer rates from Thunderbolt 4, up to 120Gb/s. This means you can even link multiple Mac Studios together (if you've got the budget for them), while the display engine on the M3 Ultra is capable of driving more than 160 million pixels—the equivalent of eight Pro Display XDRs. "M3 Ultra is the pinnacle of our scalable system-on-a-chip architecture, aimed specifically at users who run the most heavily threaded and bandwidth-intensive applications," says Johny Srouji, a senior vice president of hardware technologies at Apple. And what of the M4 Ultra? Apple hasn't said anything about it yet, but intimated to Ars Technica that it might not add an Ultra model this time around. That would make the M4 series the first to go without an Ultra variant, but as these super-powerful, super-expensive chipsets are only of interest to those with the most demanding needs and the deepest pockets, less frequent launches may be the most logical course of action. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. If you need an extra set of eyes at home without spending a lot, the TP-Link Kasa KC410S indoor security camera is currently down to $26.99 from its usual $44.99. Kasa 2K QHD Security Camera Pan/Tilt $29.99 at Amazon /images/amazon-prime.svg $44.99 Save $15.00 Get Deal Get Deal $29.99 at Amazon /images/amazon-prime.svg $44.99 Save $15.00 You can swivel the KC410S 360 degrees horizontally and 113 degrees vertically for full-room coverage and motion tracking (though its pan and tilt controls can reportedly feel a bit jerky at times). As for its video quality, it delivers clear 2K footage during the day, with vibrant colors and good detail, but its nighttime performance depends on ambient light—if there isn’t enough, its Starlight sensor struggles, leaving the image dark and washed out. That said, according to this PCMag review, its black-and-white infrared night vision is crisp and well-lit. The KC410S also has sound and motion alerts, pushing notifications to your phone when it detects movement or a loud noise (intelligently differentiating between people and general motion, so you’re not getting spammed with alerts every time the AC kicks on). However, if you want to store video recordings, you’ll need to buy a microSD card (up to 256GB) or subscribe to Kasa Care. The Plus plan costs $3 per month for a single camera and gives you 30 days of video history, manual clip recording, and activity notifications with screenshots. If you have multiple cameras, the Premium plan, at $10 per month, supports up to 10 cameras and unlocks all features. Inserting a microSD card also lets you keep the camera running 24/7, regardless of motion or sound detection, if you prefer a continuous recording mode, The Kasa Smart app gives you full control over the camera, letting you view live footage, talk through the built-in mic, adjust motion sensitivity, enable night vision, and set patrol routes, among others. It integrates seamlessly with other TP-Link Kasa smart devices but doesn’t support Apple HomeKit. It does, however, work with Alexa and Google Assistant, so voice commands are still on the table. For a slightly higher price, the eufy Security Indoor Cam E220 ($34.99, down from $54.99) offers another solid indoor security camera with a high-res option. View the full article

Paschal Donohoe’s comments come as investors speculate over shift in US dollar’s dominant roleView the full article

Tax season can reduce even the most organized individuals to stressed-out procrastinators. And if you're anything like me, you're not exactly the most organized individual in the first place. The complexity of gathering documents, understanding deductions, and meeting deadlines creates anxiety that many of us dread each year. But with a well-designed tax preparation checklist, I've been able to turn my taxes into a manageable (maybe even even satisfying?) task well before the April 15 deadline. Here's how you can, too. A tax preparation checklist serves as your personalized roadmap through the filing process. Luckily, I've create this template to get you started. It includes sections for personal information, income documentation, deductions and credits, a tax preparation timeline, and a final verification check-list. All you need to do is to download it or make a copy in Google Docs for your own use. Here's how to make the most of this checklist, or build your own from scratch. Gather personal informationStart with the basics. Your checklist should include spaces to confirm you have: Social Security numbers for yourself, spouse, and dependents Birth dates for all dependents Last year's tax return (helpful for reference) Bank account and routing numbers for direct deposit Identify your income sourcesList all potential income sources to ensure nothing gets missed: W-2 forms from employers 1099 forms for self-employment, investments, etc. Income records from gig work or side hustles Alimony received Rental property income Social Security benefits Unemployment compensation Document potential deductionsThis section often represents the biggest opportunity for tax savings: Homeownership documents (mortgage interest, property taxes) Educational expenses (tuition, student loan interest) Medical expenses exceeding threshold amounts Charitable donations with receipts Business expenses for self-employed individuals Retirement contributions Childcare expenses Organize by timelineStructure your checklist with time-based sections: January: Collect arriving tax documents (W-2s, 1099s). February: Organize receipts and deduction documentation. March: Schedule appointment with tax professional or prepare software. April: Complete final review and file. Include verification stepsAdd verification checkpoints to ensure accuracy: Compare this year's return to last year's for consistency. Double-check math and entries. Verify all Social Security numbers. Confirm all required forms are signed. Make copies of everything for your records. Making the most of your tax prep checklistWhile the template provides a comprehensive starting point, your personal tax situation may require additional items. Customize your checklist so that it suits your tax needs. Review last year's return to identify recurring items specific to your finances. Digital vs. physical organizationChoose the system that works best for you: Digital: Use a spreadsheet, note-taking app, or dedicated tax software. Physical: Create a folder system with labeled sections for each category. Hybrid: Scan physical documents and organize them in digital folders. Begin earlyThe biggest tax preparation mistake is waiting until the last minute. Begin organizing as soon as all your documents first arrive, and you'll avoid the mid-April stress entirely. Review and improve annuallyAfter filing, take a few minutes to note what worked well and what didn't. Add a "Notes for Next Year" section to your checklist to remember adjustments needed for the coming tax season. The bottom line A personalized tax preparation checklist transforms tax filing from a dreaded chore into a methodical process. By breaking down the complex task into manageable steps, you'll not only reduce stress, but potentially identify additional deductions you might otherwise miss. Again, here's my downloadable template for you. Feel free to add or remove items based on your financial circumstances and filing requirements. With this system in place, you'll be able to approach tax season with confidence rather than anxiety. View the full article

Causal dining chains had a pretty bad 2024 when it came to solvency issues. Major chains, including Red Lobster, TGI Fridays, and Roti, all filed for Chapter 11 bankruptcy protection last year. And 2025 doesn’t seem to be fairing better for more restaurants. The latest restaurant chain to file for Chapter 11 bankruptcy protection is the Tex-Mex casual dining chain On The Border Mexican Grill & Cantina. Here’s what you need to know about the company’s bankruptcy filing. Why is On The Border filing for bankruptcy? On March 5, OTB Holding LLC, owner of the On The Border chain, announced it had voluntarily filed for Chapter 11 bankruptcy protection in Georgia. In the press release announcing the bankruptcy filing, the restaurant chain did not explicitly state why it filed for Chapter 11 protection. However, many casual dining chains have struggled with declining foot traffic in recent years as inflation-weary consumers opt to save money by staying home and cooking instead of eating out. On The Border’s president, Chris Rockwood, said that the “restructuring is the best path forward for On The Border. It allows us to address several financial and operational challenges and emerge stronger and re-focused on our growth.” In a court filing with the U.S. Bankruptcy Court in the Northern District of Georgia, OTB’s chief restructuring officer, Jonathan M. Tibus, said the company had faced a “rapid loss of liquidity” in recent months, which resulted in it having to “quickly institute holds on vendor payments and rent payments to maintain cash.” This, in turn, has led landlords and vendors “to cut off service, withhold goods, repossess leased premises or exercise set-off rights,” which “resulted in the Company losing stores, additional operational challenges, and a severe liquidity crisis.” How many restaurants does On The Border have? According to the company, there are 80 On The Border restaurants across the United States and South Korea. A court filing reveals that the majority of those are in the United States. As the filing states, OTB currently operates 60 restaurants in the United States across 18 individual states. Are On The Border locations closing? The company hopes to continue operating. However, a court filing indicates that it has already closed at least 77 locations that were deemed underperforming or were expected to drive losses. On The Border has asked a court to allow it to reject the leases on these locations The list of locations it has closed spans 24 states: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Texas, Virginia. “The Debtors are no longer occupying, nor have use for, the Leased Premises,” the court filing states. By filing for Chapter 11 bankruptcy protection, the company hopes to restructure itself and look for a buyer who would presumably keep operating the brand. In the company’s press release announcing its Chapter 11 filing, OTB stated, “The Company intends to use the proceedings to drive operational improvements and pursue a sale of substantially all of its assets.” The company also said that its remaining locations will remain open and operating as normal throughout the Chapter 11 process. What about On The Border employees? According to court documents, On The Border currently employs about 2,800 workers. Of those, 375 are full-time hourly employees and 216 are full-time salaried employees. The remaining 2,210 workers are part-time hourly employees. The court documents state that the company has filed “first day” relief pleadings in which it seeks permission to keep paying worker’s wages. View the full article

Robert Rodriguez wants to give you a cut of the action—in more ways than one. The director, writer, and producer behind movies including El Mariachi, From Dusk Till Dawn, Spy Kids, and Sin City recently announced Brass Knuckle Films, a new initiative inviting fans to become investors in action films. Powered by global investment platform Republic, Brass Knuckle Films will allow everyday fans to back projects from Rodriguez’s production company Troublemaker Studios, share in the profits, and access perks including exclusive previews, set visits, discussions with Rodriguez and his creative team, and even the chance to have their own idea made into a movie. Each Brass Knuckle Films investor will have the opportunity to submit a movie concept, which Rodriguez and his team at Troublemaker Studios will review based on originality, feasibility, and market potential. Ten finalists will be selected to pitch their concepts directly to Rodriguez, who will choose one to be developed into a full-length feature as part of the Brass Knuckle Films slate. “When I talk to studio execs, they’re like zombies in suits. They don’t watch movies. They’re not fans of movies. They’re in it for a business,” says Rodriguez, cofounder of Brass Knuckle Films. “You talk to a fan—you see the passion. They should be making the money.” Brass Knuckle Films is coming to the scene behind a similar company Legion M that launched in 2016 and billed itself as “the world’s first fan-owned entertainment company.” What could set Brass Knuckle Films apart is Rodriguez himself who’s built something of a cult fandom from his body of work, as well as how streamlined his Austin, Texas-based production company, Troublemaker Studios, operates with him as the writer, director, producer, and editor of his projects. “Studios have never made things efficient,” says Alexis Garcia, cofounder of Brass Knuckle Films. “So if you can offer [efficiency with] less cooks in the kitchen or because you own and control more of the food chain to making movies like we do with a studio here, that’s a value that nobody would argue with.” What’s also unique about Brass Knuckle Films is its specific focus on action films. Not only is it Rodriguez’s go-to genre, it’s what he’s seeing is in high demand—and that he could fill quickly and profitably. Rodriguez recalls a conversation with an executive at Netflix a few years ago where he was told the streamer needed more family films. Rodriguez took the prompt and wrote, directed, and produced the 2020 film We Can Be Heroes. To this day, the film remains in the top 10 most popular Netflix films globally. “Now when I ask, what do you need?, [studio executives] say, action, action, action. We just don’t have enough action movies,” Rodriguez says. “There’s such an appetite for these movies. [Studios] don’t care where they come from as long as they come. They can’t make them fast enough and they don’t know how to make them efficiently. So you’re solving their problem.” At the core of Brass Knuckle Films is Rodriguez’s desire to amplify his indie approach to action filmmaking and to give fans more equity in movies they’re ultimately supporting at the box office or by hyping them up on social media. “If it’s going to end with the fans anyway with them watching the movie, let’s begin with the fans and let them be a part of it, get a piece of the action,” Rodriguez says. “They’ll be more motivated to go tell their friends to go watch it because they’ll make more money.” “Democratizing and demystifying has always been a part of my DNA as an independent [filmmaker],” he adds. “Now I want to do that with an audience.” View the full article

We may earn a commission from links on this page. Corporations are a driving force behind almost every part of American life—including the movies we watch. It sometimes feels like they hold all the power, and, actually, they kinda do. But if the power of capitalism can’t be overcome, it can at least be checked once in a while. And it can be extremely satisfying to watch a crusader standing up for the rest of us. Here are 15 movies about heroes defying big corporations, most of them at least inspired by true events. Usually, reality is at least as wild as what made it to the screen. As The Constant Gardener author John le Carré observed in the afterward to (and the end credits of the film adaptation of) his almost entirely fictional novel: Nobody in this story, and no outfit or corporation, thank God, is based upon an actual person or outfit in the real world. But I can tell you this. As my journey through the pharmaceutical jungle progressed, I came to realize that, by comparison with the reality, my story was as tame as a holiday postcard. Erin Brokovich (2000) Real life provides plenty of examples of individuals standing up to corporations—with varying degrees of success. This is one of the more inspiring ones: Steven Soderbergh's crowd-pleasing legal drama was a box office triumph and an Oscar season contender, and it made a star of its titular real life activist. Julia Roberts plays Brokovich, who in 1993 was an unemployed single mother who couldn't keep out of her own way. Given a pity job as a paralegal by the man who served as her lawyer in an injury case, she stumbles onto some troubling medical documents while researching a real estate case. It soon becomes clear that Pacific Gas and Electric Company is hiding something in Hinkley, California—specifically, they've been dumping chromium-contaminated waste into several ponds around the town, and cancer incidents are way up in the region. It's here that Erin's dogged determination (and utter refusal to keep her mouth shut ,even when she'd be better off to do so) come in tremendously handy for the people of Hinkley, who now have an unlikely champion. You can stream Erin Brokovich on Netflix or rent it from Prime Video. Erin Brokovich (2000) at Prime Video Learn More Learn More at Prime Video Dark Waters (2019) Dark Waters, from director Todd Haynes, kicks off with farmers discovering that their livestock are dying by the hundreds from exposure to waste in the water produced by a local DuPont chemical plant—which is just the beginning, as cancer rates among humans are also unexpectedly high. Mark Ruffalo stars as lawyer Robert Bilott, who takes on the farmers' case. It's based on the New York Times Magazine article "The Lawyer Who Became DuPont's Worst Nightmare" by Nathaniel Rich, and Haynes and company do a masterful job of dramatizing the high-stakes legal battle, as well as the problem of buy-in—parties to the legal action become pariahs in their community because many would rather take their chances with cancer than risk losing a big employer. This all happened within the last decade, so many of the issues related to so-called "forever chemicals" (those that never leave the bloodstream once exposed) are very much ongoing, and will only become more prominent in the current era of deregulation. You can rent Dark Waters from Prime Video. Dark Waters (2019) Learn More Learn More The Insider (1999) Michael Mann's account of tobacco industry shenanigans did only middling business at the box office, but nonetheless earned seven Oscar nominations—including one for Best Picture. It comes at the story from a smart, sideways angle: The focus is on the 60 Minutes piece that broke wide open the story of big tobacco's malfeasance over the risks of smoking—a story that made clear that these companies knew the true dangers of smoking, and lied about it to keep their customers addicted. In the movie's largely accurate telling, CBS producer Lowell Bergman (Al Pacino) coaxes former tobacco-company chemist Dr. Jeffrey Wigand (Russell Crowe) to reveal what he knows, only to face pushback from fearful executives and threats from the tobacco industry. The narrative makes clear the high cost of telling even the most straightforward of truths. You can stream The Insider on The Criterion Channel or rent it from Prime Video. The Insider (1999) at Prime Video Learn More Learn More at Prime Video Even the Rain (2011) In 1999, a group of investors lead by the American company Bechtel invested in a dam near Cochabamba, Bolivia. The thus contained water was then sold back to the locals at vastly higher rates. The resulting protests saw tens of thousands of people take to the streets. In director Icíar Bollaín's wildly ambitious film-within-a-film, a crew, led by director Sebastián (Gael García Bernal), comes to Cochabamba to make a movie based on Christopher Columbus' first voyage. His thoughtless executive producer Costa (Luis Tosar)stirs up trouble with his lack of consideration for the locals as the water protests simmer in the background. Weaving in themes that consider the long history of colonization, the film isn't shy about drawing clear lines between past and present. You can stream Even the Rain on Netflix. Even the Rain (2011) at Netflix Learn More Learn More at Netflix Into the Weeds (2022) The jury is still out, I suppose, on the risks of glycophosphate (a prime ingredient in Monsanto's herbicide Roundup) in typical doses, but there's nevertheless much to cheer in Dewayne "Lee" Johnson's case against the chemical company. A school groundskeeper in California, Johnson was exposed to hundreds of gallons of the stuff over the years. He was diagnosed with a terminal case of non-Hodgkin lymphoma at the age of 42, and as this documentary reveals, Johnson won his case against the chemical giant—an extremely rare victory that, if even in only a small way, put these companies on notice. You can stream Into the Woods on Hoopla or rent it from Prime Video. Into the Weeds (2022) Learn More Learn More The Constant Gardener (2005)Ralph Fiennes stars as Justin Quayle, a British diplomat in Kenya, trying to solve the murder of his wife Tessa (Rachel Weisz, who won an Oscar for the role), an Amnesty International activist. It seems that Tessa had been investigating the deaths related to drug trials around something called Dypraxa. The movie alternates between the harrowing investigation and the story of the development of the relationship between the two. An adaptation of the John le Carré, both book and film were inspired by a Pfizer drug trial in Nigeria in 1996 that left 11 children dead. You can rent The Constant Gardener from Prime Video. The Constant Gardener (2005) Learn More Learn More The Informant! (2009) Nearly a decade after Erin Brockovich, Steven Soderbergh took on another real-life whistleblower, this time puncturing the self-importance and self-seriousness of white-collar criminals with a dose of dark comedy. (As we ought to have learned by now, capitalism rewards the goofy and dumb at least as often as it does those with half a brain.) Matt Damon plays corporate executive Mark Whitacre, who confesses to a couple of FBI agents (Scott Bakula and Joel McHale) about his involvement in a scheme to fix the price of commercial livestock-related chemical lysine. Whitacre gets increasingly loopy during his time wearing a wire for the Feds, a period during which his various other infractions come out. Oh, and during which he also embezzles a ton of money from the company he's purportedly trying to expose. You can stream The informant! on Prime Video. The Informant! (2009) at Prime Video Learn More Learn More at Prime Video Radium Girls (2018) A fictionalized account of the real-life radium girls (oddly, it's not based on Kate Moore's nonfiction bestseller of the same name), this film follows Josephine and Betty Cavallo, sisters employed painting watch dials at an "American Radium" factory in New Jersey. In real life, radium workers were often called "ghost girls" for the ways in which the radium they worked with made their clothes and hair glow. Workers were assured the radioactive element was entirely safe, and even encouraged to lick their brushes to make the points finer for painting clocks and watches. In real life, much as in the movie, it was the United States Radium Corp. that fought to keep the truth about the dangers of radium from coming out, blaming illnesses and deaths on syphilis long after it was clear what was happening. The back half of Radium Girls dives into the famous court case that resulted, one that wasn't entirely a triumph at the time but that did pave the way for the creation of OSHA and other safety reforms that protected workers for decades—until very recently. You can rent Radium Girls on Prime Video. Radium Girls (2018) Learn More Learn More Michael Clayton (2007) A legal drama with a bit of extra swagger, Michael Clayton is from writer/director Tony Gilroy, the filmmaker who wrote and/or directed most of the Bourne movies. It manages to be just as thrilling, if in an entirely different way. George Clooney stars as the eponymous fixer, working at a major law firm finding legal loop holes that will benefit clients—until he starts to develop a conscience after discovering that his firm is working to clear a path for an agricultural chemical concern to escape the consequences of knowingly selling a cancer-causing weedkiller. The drama and action are on point, as following Clayton as he is hunted by chemical industry goons. It earned seven Academy Award nominations, including for one for Best Picture. You can stream Michael Clayton on Prime Video. Michael Clayton (2007) at Prime Video Learn More Learn More at Prime Video Harlan County, USA (1976) Filmed as its history unfolded, Barbara Kopple's essential documentary chronicles what became known as the “Brookside Strike” against the owners of the Brookside Mine and Prep Plant in Harlan County, Kentucky. Kopple’s original intent was to create a film about efforts to unseat the wildly corrupt leader of the United Mine Workers of America union at the time, W.A. Boyle, who seemed to many to be in the pockets of the mine owners (he was later convicted of conspiracy in the murders of a reformist opponent’s entire family). That explosive story turned out to be a side-note to the brutal, bloody, violent opposition faced by the striking mineworkers and their families. These workers were no pushovers when it came to their rights and mine safety; nor were their wives and mothers. It's a throwback to an era when what we might call the "white working class" (though it was not exclusively white) would still fight fiercely against government and corporate greed. You can stream Harlan County USA on Max and The Criterion Channel. Harlan County USA (1976) at Max Learn More Learn More at Max North Country (2005) Though occasionally a bit formulaic, there's no faulting North Country for its ability to rouse, at least in moments, nor for its acting: both Charlize Theron and Frances McDormand earned Oscar nominations for their roles. While fictionalized, the film is based on the nonfiction book Class Action, by Clara Bingham and Laura Leedy Gansler, which examines Jenson v. Eveleth Taconite Co., the first-ever class-action sexual harassment lawsuit in the U.S., which took place in 1989. Theron plays Josey Aimes, who moves back to her hometown in northern Minnesota and takes a well-paying job in the local iron mine at the behest of an old acquaintance (McDormand). No rabble-rouser, Aimes nonetheless immediately sees how women at the mine are treated: Their skills are dismissed, and they're viewed as low-cost replacements for more deserving men. What's more, sexual harassment and even sexual assault are daily occurrences. With the (initially reluctant) backing of the local union, Aimes takes the mine to court on behalf of all the women workers, facing down a massive company more than willing to make an issue of her own sex life. You can stream North Country on Hoopla or rent it from Prime Video. North Country (2005) at Prime Video Learn More Learn More at Prime Video Philadelphia (1993) Andrew Beckett isn't a traditional "little guy," instead a successful senior associate at a major corporate law firm in Philly. He's also gay and closeted, and starts displaying lesions (Kaposi's sarcoma, specifically) related to the AIDS diagnosis that he's been concealing. When he's fired with little reason given, he hires Joe Miller (Denzel Washington), one of the few lawyers who will take his wrongful termination suit. There were few mainstream films about about the darkest days of the first HIV/AIDS crisis (and we're living through another, as effective treatments and miracle preventatives have become increasingly scarce and unaffordable), and none had more cultural impact than this all-star legal drama. It's based loosely on the real-life case of attorney Geoffrey Bowers and his own lawyer, Clarence Cain, who took on the law firm Baker McKenzie under similar circumstances, though the Hollywood version has a somewhat happier end—Bowers' own case wasn't settled until eight years after his death. You can rent Philadelphia from Prime Video. Philadelphia (1993) at Prime Video Get Deal Get Deal at Prime Video The Rainmaker (1997) Matt Damon stars in this John Grisham adaptation, directed by Francis Ford Coppola, as Rudy S. Baylor, a poor kid who just barely made it through law school only to find himself in a profession that mostly makes him uncomfortable—not helped by the fact that his first boss is a smarmy con man played by Mickey Rourke. Convinced by scrappy paralegal Deck Shifflet (Danny DeVito) to join him in a little storefront operation, the two take on three cases around which the movie revolves, but the emotional core is in the one about a kid with cancer whose treatment his insurance company refuses to fund. It quickly becomes clear that Donny's life can't be saved, but there's hope that the insurance company can be forced to treat him like a person and not a line item anyway. It's still timely, except for the "hope" part. You can stream The Rainmaker on Pluto TV or rent it from Prime Video. The Rainmaker (1997) at Prime Video Learn More Learn More at Prime Video Salt of the Earth (1954) Once of the first films that we'd recognize as independent in the modern sense (the writer, director, and producer were all blacklisted), Salt of the Earth was suppressed and dismissed as propaganda for its wild, still controversial propositions that racism is bad, women should maybe have some rights, and working conditions ought not be awful. Commie nonsense, to be sure, but presented not without dramatic flair. Based on a real 1951 strike, the movie is set in "Zinc Town, New Mexico" among mostly Mexican-American miners who are agitating for better working conditions—at least as good as those of their white counterparts. The strikers are arrested and the strike is put down by use of the real, and then recent, Taft-Hartley Act, the nation's most significant anti-union legislation (it's still in force, by the way). A loophole allows the miners' wives to march in their places, and the movement is lead by Esperanza Quintero (Rosaura Revueltas), the spouse of a jailed striker. You can stream Salt of the Earth on MGM+, Tubi, Pluto TV, and Prime Video. Salt of the Earth (1954) at Prime Video Learn More Learn More at Prime Video The China Syndrome (1979) The Meryl Streep-starring Silkwood, the acclaimed film based on the real-life case of a nuclear whistleblower, isn't streaming or digitally rentable anywhere (conspiracy!), but The China Syndrome isn't a terrible substitute. Jane Fonda plays a reporter who begins to smell something fishy at the Ventana nuclear power plant, the owners of which are handing out radiographs that don't make much sense. It turns out there's a leak that they can't be bothered to fix, and rather than shelling out that money, they're putting out faked test results suggesting that all is fine, and surely the tragic accidents that befall anyone who considers speaking up are mere coincidences. Nuclear industry executives were initially livid at the suggestion that anything could ever go wrong at one of their plants, but got much quieter 12 days later, when the Three Mile Island nuclear accident occurred in Pennsylvania. Jane Fonda and Jack Lemmon both earned Oscar nominations for their performances. You can rent The China Syndrome from Prime Video. The China Syndrome (1979) at Prime Video Learn More Learn More at Prime Video View the full article

Like homeowners insurance, auto insurance is getting significantly more expensive: Data show that policy costs rose 11% last year, likely due to factors like climate change, rising accident rates, and higher repair costs. Under certain circumstances, you may be able to offset or at least keep your car insurance premium stable, if not reduce it. If you go through any of the following life changes, it may be time to call your insurance company about lowering your policy premium. You've movedA move is a major life transition—and one that could impact your auto insurance policy for the better in a few ways. First, insurers factor where you park your car into your rate, so living in a lower density or safer neighborhood can potentially save you some money. Moving also gives you the chance to bundle your renters or homeowners insurance policy with your auto policy if you haven't already, which typically reduces the cost of both. Finally, moving can change your driving habits, which we'll get into next. You're driving lessLet's say your move has put your closer to work, or you've changed jobs or begun working remotely more frequently, or another shift in your routine has cut the number of miles you drive on a regular basis. Insurance companies consider annual mileage when calculating premiums, so a significant drop could save you some money. Your family size has changedIf you've had a teenager on your policy who now has their own vehicle or own policy and no longer lives at home, removing them from yours can save you a significant amount of money on your premiums (potentially cutting the cost by half). On the flip side, combining your policy with a new spouse's could reduce the cost per person. You've taken a defensive driving courseOne of the many discounts available on auto insurance is for taking a defensive driving course—in fact, some states require insurers to offer this discount. Typically, these discounts are good for several years before you need to retake the class. Discounts range from 5% to 20% off your premium. Your coverage is about to renew (or expire)Re-upping your policy won't save you money specifically, but it is a good time to call your current insurer about options for reducing your premium as well as to shop around for cheaper options. Other ways to lower your car insurance premiumEven if you don't have a life change that could qualify you for a lower insurance premium, there are other ways to reduce the cost of your policy: Increase your deductible: Raising your deductible (the amount you'll pay out of pocket before your policy kicks in) can lower your premium. Most policies have a $500 deductible, but bumping that up to $1,000 can potentially save you 25% on your policy cost, according to Consumer Reports. However, you'll want to consider whether you have an emergency fund to cover the added potential cost. Decrease certain types of coverage: Collision and comprehensive coverage may be optional in your state, and dropping one or both can reduce your policy premium. Collision may be an unnecessary expense if your car's value is especially low (and if your premium is more than 10% of that value). Ask about discounts: Many insurers offer policy discounts for things like setting up autopay or paperless statements, paying your premium upfront, maintaining a clean driving record, and bundling with other policies. Drive a cheaper car: This may not be a change you can make immediately, but when you're in the market for a vehicle, consider a make and model that's cheaper to insure. Look for usage-based policies: Usage-based insurance calibrates your policy to your real-life driving habits, so low-risk drivers pay less. However, this typically requires you to have a tracking app that sends data to your insurance company, which raises privacy concerns, and risky driving can actually increase your policy cost. View the full article