Author: Jessica Wong

Over a million Canadian snowbirds go south when it gets cold every year, and many of them choose to spend winters in Florida.

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But the current political climate is changing that.

Gulf Coast News recently reported on “a mass exodus” of Canadians from Southwest Florida as new travel regulations are imposed and the trade war escalates.

CNN also recently reported on snowbirds considering alternative destinations or selling their properties. “Some of the clients I have been dealing with want to sell at any cost, even at a loss,” said Share Ross, a realtor based in southeast Florida.

“More home purchases in the U.S. are done by Canadians than any other country — 13% from April 2023 to March 2024, the National Association of Realtors (NAR) says,” reported CBC News. “Half of all Canadian purchases were vacation homes, and roughly 41% of sales were in Florida.”

This will likely have a ripple effect on the tourism industry and local businesses.

“If we travel at all, it won’t be here”

Many Canadians are rethinking their plans to return to Florida, with some even considering putting their properties on the market.

"I’ve lived here six months. This is my home, but I’m leaving April 2," said Susan, a Canadian speaking with Gulf Coast News. She was not comfortable sharing her last name for fear of becoming a target amid the growing political divide between the U.S. and Canada.

For the Presement family, regular winter residents in Fort Myers, the political landscape has left them regretting their decision to visit Florida. “The truth of the matter is if I hadn’t prepaid everything and wasn’t here and your weather wasn’t so damn nice. I’d go home now,” said Barry Presement to Gulf Coast News. He and his wife Ruth have no plans to return next winter. "If we travel at all, it won’t be here," Ruth said. "For sure, it won’t be here. We’ll go elsewhere."

Their son Brian had even considered retiring in Southwest Florida, but now says Mexico is looking like a better option. "We thought about buying a home in Florida, but now we might reconsider that," he said.

Local businesses are probably going to feel the strain of Canadians avoiding the U.S.

“It’s not only having a negative impact on the tourism market, but business as a whole,”said Cole Peacock, owner of cannabis cafe & CBD marketplace Seed and Bean to Gulf Coast News. “You need those extra visits to kick that profit margins to another level.”

"Not only have Canadians been electing to divest from their vacation homes and investment properties in Florida, they have also been canceling their trips to the area which is having a negative impact on our vacation rental market," Robert Washington of Savvy Buyers Realty told Realtor.com. "We have heard from several of our vacation rental property owners that they have experienced multiple cancellations from Canadian guests due to the tariff battle. Hopefully the tariff situation is resolved soon, or it could have a lasting impact on our tourism industry."

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

What Americans can expect with tariffs

The U.S. Travel Association has said Florida is among the top five most visited states by Canadians and it “could see declines in retail and hospitality revenue, as shopping is the top leisure activity for Canadian visitors.”

In addition to losing business from a lack of Canadian visitors, Florida businesses and consumers are also facing another blow — the implementation of tariffs on imports from Canada and the rest of the world.

These tariffs are set to raise the costs of imported goods, raw materials, and even locally produced items that rely on imported components.

The Federal Reserve Bank of Atlanta found that an additional 10% tariff on Chinese imports, 25% tariffs on Canadian and Mexican imports, and 10% tariffs on other countries could raise consumer prices on everyday retail purchases such as food and beverage items and general merchandise, covering about a quarter of the total consumption basket, by 0.81% to 1.63%, assuming the costs are fully passed to the consumer.

So what can consumers do to protect their budgets?

A good place to start is to review spending habits, since cutting costs could provide some relief. Consider buying essentials in bulk before the tariffs drive prices higher. That way, you can lock in current prices and shield yourself from immediate price increases.

For those willing to shop around, you can consider products from countries not affected by tariffs, or choose items that are produced locally to avoid the extra costs.

Above all, staying informed is critical. As tariffs and related policies continue to evolve, consumers who stay up-to-date should be better equipped to make smarter financial decisions.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A Portland, Oregon family was stunned when a 150-foot Douglas fir tree crashed into their home during the January 2024 snowstorm — with them inside.

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Joel and Sarah Bond had filed for a removal permit back in January 2022, but Portland’s Bureau of Urban Forestry denied the request, stating "no serious structural defects were observed," and that cutting it down would “significantly affect the neighborhood character.”

“I saw wood and debris on the ground, a collapsing roof,” Sarah wrote in an account of the moment, reported KGW 8. “I scream my daughter’s name. Silence. Then I hear my husband say, ‘I got her!’”

The Bonds’ six-year-old daughter was only a couple of feet away from where the tree smashed into the house.

“They’ll still have to live knowing that they were two feet away from having a dead six-year-old,” their attorney, Joe Piucci, told KGW 8. The family, who are currently living in a rental while their home is repaired, are taking the city to court for $4.7 million.

“The family has been through hell”

The Bonds said they feared the tree posed a danger soon after they bought the home a few years ago. In January 2022, they applied for a permit to remove it.

According to court documents, the couple claim an arborist spent less than 10 minutes inspecting the tree and missed several signs that it was diseased.

Photos taken at the time showed the tree visibly leaning toward the house. But the city denied the removal, saying it didn’t meet the threshold for removal under Portland’s tree code.

“They tried to protect their home and the city prevented them from protecting their home,” Piucci told KGW 8, “(The city is) not concerned about people’s safety; they’re concerned about keeping the tree canopy.”

According to the government website, the city’s tree code “lets homeowners easily remove problem trees (those that are dead, dying, diseased, dangerous, nuisance species, or too close to buildings) with the provision that a new tree be replanted to replace the one being removed.”

The permit denial included an option to appeal for a $200 fee, which the Bonds declined. “They thought, ‘Why would I pay $200 to the city to tell me that I’m wrong again?’” said Piucci. “They’re not arborists — the Urban Forestry Department is full of arborists.”

Both the City of Portland and city forester Jennifer Cairo are defendants in the case. In response to the Bonds’ tort claim filed last fall, the city reportedly suggested the tree’s survival for nearly two more years after the initial inspection indicated it wasn’t in poor condition at the time. “Although the damage of property is certainly unfortunate, we conclude that the city is not legally liable for that damage,” it said.

Piucci called that response “offensive” and added, "Their family has been through hell over the last 14 months."

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Steps to take if your tree removal request is denied

Denied a tree removal permit, but worried your tree might be hazardous? Here’s what you can do to protect your home and your family.

First, be sure to request written documentation. Ask the city for a detailed explanation of why the permit was denied.

Take clear photos or video showing the tree and any visible defects, leaning, dead limbs, or proximity to structures and document all your communication by keeping emails and letters to show your attempts to follow process and raise safety concerns.

Consider hiring an ISA-certified arborist who can inspect the tree and provide a risk assessment report. You can check resources such as the Find an Arborist tool on the International Society of Arboriculture.

Many cities, including Portland, allow you to appeal permit decisions so you can also consider filing an appeal.

If you’re hitting dead ends but believe there’s a real danger, consulting an attorney may be worthwhile.

As for the Bond Family, beyond financial damages, they are also hoping to push the city to ease its restrictions on tree removal to improve safety.

If the case is not settled, Piucci expects it could go to trial within the next 18 months.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A Boston man reached out to The Ramsey Show for advice after learning that his fiancée’s dad may have gamed the student aid system — something he feared might amount to fraud.

According to Cody, “back in November, [my fiancée] told me her father had transferred all her parents’ investments to her so that her sister could get a better financial aid package [for college].”

Dave Ramsey didn’t mince words, saying that while he couldn’t determine if it was indeed fraud, it was “definitely morally wrong.”

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“It’s approaching the criminal side,” Ramsey said, adding, “It’s ethically horrendous, ethically ridiculously bad.”

Torn between family pressures and conscience

Ramsey thinks Cody’s future in-laws were applying for Federal Pell Grants, typically reserved for undergrads in serious need of financial assistance. Unlike student loans, Pell Grants do not have to be repaid.

Ramsey finds it abhorrent that anyone would pose as poor to receive aid that is actually intended for students who are legitimately struggling.

“This guy has no ethics, he’s willing to lie to the government to get poor people’s student assistance,” Ramsey said.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

To add to Cody’s dilemma, his future father-in-law asked him to sign a prenuptial agreement. Cody said he wasn’t comfortable signing and combining assets with the man.

“That’s why you got slime on you and wanted to take a shower after you met him,” Ramsey said.

The entwining of family finances, he warned, “is not healthy.”

“You can’t prenup away a lack of ethics.”

Building a ‘standalone life’

Ramsey advised Cody to stand his ground and build a “standalone life that doesn’t involve something that’s unethical.”

The finance guru acknowledged that Cody’s fiancée could suffer, caught between loyalty to her father and her future husband. Ramsey encourages a careful approach.

“You can be gentle and kind, and don’t have to accuse him,” Ramsey said. “Don’t call him names. You could say, ‘I got some counsel because I was confused about it and it bothered me.’ Take all the weight of the problem on you and say you can’t go forward with this.”

He added that Cody could also tell his future in-laws: “All of my understanding of setting up a household is we are to leave and cleave to set up our standalone household to be able to have a high-quality relationship with your daughter.”

Ultimately, Ramsey stressed, Cody’s fiancée needs to “realize what’s going on. You can’t cave, because it condones everything.”

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Picture John, a 42-year-old who hasn’t started putting away money for retirement yet. He doesn’t have any savings or even an emergency fund set aside for unexpected expenses, and he’s starting to panic. Sound familiar?

If you’re in your 40s and haven’t put much thought into retirement savings, now’s the time to get serious. The need to set specific, realistic goals for retirement savings becomes crucial at this stage in life.

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It’s not too late to make a dent in building your retirement fund, but the clock is ticking. Here are some strategies to help you catch up and set yourself up to maximize savings.

Better late than never

Starting to save for your golden years in your 40s might not seem ideal, but it’s critical for your financial future. Retirement is closer than you think, and delaying savings means less time for compound interest to work its magic.

You may not have decades of growth like someone who started in their 20s, but there’s still time to make an impact. Relying on just your monthly Social Security benefits isn’t a good idea since, depending on your lifestyle and overall health, expenses can add up quickly. And keep in mind that Social Security benefits are only meant to replace about 40% of your retirement income — you’re expected to account for the rest.

An emergency fund is also key. Life throws curveballs, whether that be a job loss, medical issues, or unexpected car repairs, and without savings, you could end up deep in debt. Having a financial cushion helps you handle these surprises without relying on high-interest loans or credit cards.

As you age, your expenses change. You might support kids in college or care for aging parents, and savings will help with these rising costs, including health care. Starting now gives you the resources to cover future needs.

Saving in your 40s also offers tax breaks, like 401(k) and Individual Retirement Account (IRA) contributions, that lower your taxable income. If you expect a higher tax bracket in retirement, a Roth IRA is worth considering, since withdrawals are tax-free.

Don’t forget about inflation. As living costs rise, your savings will help keep pace.

And if your own financial well-being isn’t incentive enough, saving also benefits your loved ones, whether through being able to leave an inheritance or help with big milestones.

Even if you start saving later, it’s better than not starting at all. The earlier you begin, the more time you have to adjust your goals and strategies.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

It’s never too late to invest in yourself

So, now that you know the “why,” here are some strategies to help you with the “how.” Let’s use the case of John from earlier.

John’s first move should be to get a clear picture of his finances. That means tracking all current income and expenses, either through a simple spreadsheet or a budgeting app. By categorizing spending, he can identify areas to cut back, such as frequent dining out or underutilized subscription services.

Let’s say John also happens to have $8,000 in high-interest credit card debt. This should be tackled first. He can either use the debt snowball method (paying off the smallest balances first) or the debt avalanche method (starting with the highest interest rate debt).

Paying more than the minimum payment is key to getting ahead and, whenever possible, adding an extra $100 or $200 each month. He could also consider using any tax refunds or bonuses to chip away at the balance faster. Another option is exploring balance transfer credit cards with 0% APR for 12-18 months to avoid interest while paying off the principal.

Once John has a handle on his finances, it’s time to build that emergency fund. He should aim to save at least $1,000 to cover small unexpected expenses like car repairs or medical bills.

Setting aside $100 to $200 each month can help, and opening a high-yield savings or money market account will make the fund grow faster. Ideally, he’d reach a point where he has three- to six-months’ worth of savings shored up.

Now turning to his retirement nest egg: John should start by contributing to an employer-sponsored 401(k), if that’s available to him, particularly to take advantage of any matching contributions.

If a 401(k) isn’t an option, John can look into opening an IRA. Setting up automatic contributions, even if it’s just $50 to $100 per month, can make saving for retirement more consistent over time.

Let’s say John is aiming for a retirement income of $50,000 a year. He can use the 4% rule to help him figure out how much to save. It suggests that he withdraws 4% of his savings annually once he retires. So, to hit that $50,000 target, he’d need to have $1.25 million saved up by the time he leaves the workforce.

To speed up savings, John can cut back on expenses or find ways to boost his income. He should review monthly subscriptions and consider canceling or downgrading ones he rarely, if ever, uses.

Cooking at home instead of dining out could save hundreds each month. Depending on his lifestyle, downsizing his housing or getting a roommate might help too. On the income side, John could explore side gigs like freelancing, rideshare driving, or a part-time job. Selling unused items around the house can also generate extra cash.

Ideally, John would track his progress on his wealth-building journey. He should continue to review his budget and savings monthly to stay on track and adjust as needed.

As his financial situation improves, he can increase his savings rate and explore additional investment options for retirement, like a taxable brokerage account. And it certainly wouldn’t hurt if he looped in a professional to help figure out a plan that works best for him.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

If you’re a divorced dad in your mid-50s with kids and a healthy 401(k), retirement at 65 isn’t off the table, but it’s not just about your nest egg anymore. It’s about who you still need to support, how long that support might last and what lifestyle you’re aiming for.

Many Gen Xers are now facing similar questions with retirement on the horizon. The good news? With careful planning and a clear-eyed view of future expenses, retirement in about a decade is within reach.

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Let’s say you’re aged 55, divorced with two kids and have $810,000 in your 401(k). Here’s what you and others in similar situations need to think through.

How big can your portfolio get?

In addition to your robust 401(k) account, imagine you’re able to max out contributions. At your age, that means putting away $31,000 a year ($23,500 regular cap plus $7,500 catch-up). Plus any employer-match, if your workplace offers such a program.

Contribution limits tend to rise over time, but for the sake of simplicity let’s assume they stay the same over the next decade, and that you contribute monthly ($2,583.33) with no employer match. Assuming a conservative average annual investment return of 7%, by age 65 your 401(k) should be around $2 million.

That seems like a strong number, but before you celebrate you need to figure out how much income that will translate to in retirement.

Using the 4% rule as a guide — which means withdrawing 4% of your savings in your first year of retirement and adjusting that amount annually for inflation — that would equal $80,000 in year one. Add on top of that Social Security, whether you decide to start collecting at age 62 or 70. Considering, with the right portfolio management, the 4% rule is meant to last 25-30 years, you could be sitting pretty.

Of course, there are other factors to consider.

What about your kids and your ex?

Here’s where things get complicated because you’re not just planning for yourself.

Are your kids still minors? In college? Are you covering tuition or housing? It may be wise to budget for additional costs now. Even if you’re done with formal support, you may want to help out in different ways. If you’re the primary caregiver, your household costs may stay higher for longer.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Do you pay alimony? If yes, when does that end? Also, depending on marital laws in your area, your ex may have a claim on your retirement accounts.

Divorces can splits 401(k) earnings during marriage. Make sure you know what’s truly in your name before you plan around it.

Health care and taxes

Health care is one big reason Americans get strategic about retirement. Medicare becomes available at age 65, which means if you retire any earlier, you may have to pay for private insurance in the meantime. It’s also worth noting that Medicare offers individual coverage only — there are no family plans.

Also, remember that 401(k) withdrawals are taxed as ordinary income. If you’re pulling $80,000 a year, remember to factor taxes into your budget from the start. A portion of your Social Security benefit — up to 85% — may also be subject to taxes.

If you have any further concerns — including care for yourself in the future — consider meeting with a financial advisor. Together you can come up with a plan to best suit your needs.

So, can you retire in 10 years? If you keep up your retirement contributions and the market is stable, it’s very possible — especially if your expenses aren’t sky-high. A $2 million nest egg sounds like a lot, but it depends on how you spend the money and who you support. It’s less about a magic number and more about a personal budget. Can your future income cover your actual costs, including kids, taxes, health care and leisure?

If you’ve got a handle on what your costs will be, and the math checks out, retirement could be a real option.

What to read next

• Don’t have the cash to pay Uncle Sam in 2025? You may already be eligible for a ‘streamlined’ handshake with the IRS — here’s how it works and how it can potentially save you thousands
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in great wealth. How to get in now

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

How much money do you really need to retire without losing sleep at night? If you think your 401(k) alone will cut it, think again — one wrong market move could put your entire retirement plan to sleep.

But figuring out how much cash you’ll need to enjoy your retirement isn’t exactly straightforward. Between health care, housing, groceries and maybe even a vacation or two, the costs can add up fast.

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And the reality? Everyone’s “magic number” is a little different.

If you’re looking for a solid starting point, personal finance icon Suze Orman has some rules that might help you get a good night’s sleep, though her magic number may surprise you.

Orman’s magic number for retirement

Orman recently shared her thoughts on her Women & Money podcast, and her advice is all about playing defense — especially in unpredictable markets.

Her first rule: don’t rely on your 401(k) or IRA. Sure, you’ve been diligently contributing to your 401(k), Roth IRA or traditional IRA for years, but the stock market doesn’t always play nice.

“It’s not always that stocks go down and bonds go up, or bonds go down and therefore stocks go up. Sometimes everything can go down,” Orman said on the podcast.

Translation? If your entire retirement plan is riding the market rollercoaster, you could be in for a wild ride just when you’re hoping for smooth sailing.

So, how much cash should you have on hand? To cushion the blow in a market downturn, Orman recommends stashing away three to five years’ worth of living expenses in a liquid, low-risk account, like a high-yield savings or a checking account.

This “just-in-case” fund should not be tied to the market. That way, if things go sideways, you’re not forced to sell investments at a loss just to cover rent or buy groceries.

“If you really wanna be on the safe side, it’s five years,” Orman said. “If you wanna just play it so that you have at least three years, okay, you can do that, as well. Maybe you split it and you do four years.”

According to the Federal Reserve’s 2022 Survey of Consumer Finances, the average American household has saved about $333,000 for retirement.

If you haven’t started building that emergency fund yet, here’s how to begin.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

How to build your cash cushion

Building a solid cash cushion isn’t just about peace of mind. Having easily accessible funds can help you navigate emergencies, smooth out your cash flow and even take advantage of surprise investment opportunities.

A great place to start is with a high-yield savings account. These offer better interest rates than traditional savings accounts, so your money works harder while remaining liquid. Plus, they’re usually FDIC-insured, so you don’t have to lose sleep over risk.

Another option is money market funds. While they’re not FDIC-insured, they tend to offer higher returns by investing in short-term, high-quality debt. They’re still fairly liquid, but if safety is your top priority, weigh the risks carefully.

If you’re comfortable locking your money away for a bit, short-term certificates of deposit (CDs) might be worth a look. They offer fixed interest rates and are FDIC-insured — just keep in mind, there are penalties if you withdraw early. CDs are best for funds you know you won’t need soon.

The earlier you start building your cash reserve, the better. Compound interest can do a lot of the heavy lifting if you give it enough time. Even setting aside a little each month can make a big difference later. The U.S. Department of Labor’s Retirement Savings Toolkit is a helpful resource.

Another easy win is to trim your discretionary expenses. Cutting back on extras like streaming services, frequent dining out, and impulse buys can free up cash for savings, where it can actually earn interest instead of disappearing.

Automating your savings is a game-changer, too. Set up a recurring transfer from your checking account to your savings, and you’ll build up a nest egg without thinking about it. It’s one of the easiest ways to stay consistent and avoid spending that extra cash.

Remain calm and save on

If you’re nearing retirement and your savings aren’t quite where you want them to be, don’t panic. In some cases, delaying retirement by even a year or two can make a huge difference. You’ll have more time to save, fewer years to fund and you may increase your Social Security benefits in the process.

It’s also wise to keep your investment portfolio balanced. A smart mix of asset classes can help manage risk while generating income or growth to pad your cash reserves over time.

And remember, don’t set your plan and forget it. Life changes, markets fluctuate and your goals may shift. Check in regularly with your financial advisor and adjust your strategy as needed.

Start small, take what you need and build up your safety net before stepping away from a steady paycheck.

What to read next

• Don’t have the cash to pay Uncle Sam in 2025? You may already be eligible for a ‘streamlined’ handshake with the IRS — here’s how it works and how it can potentially save you thousands
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in great wealth. How to get in now

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

A shocking crash involving a rookie Minnesota state trooper has left a family reeling.

The incident happened last June along Highway 23, near Marshall, Minnesota.

Jamie Krueger was driving behind a State Patrol trooper when, without warning or flashing lights, the officer attempted a sudden U-turn to chase a speeding driver. He hit Krueger’s car and the impact sent the vehicle swerving off the road.

While the Kruegers were treated for minor injuries, their car was deemed a total loss and Krueger was left to cover the $1,000 deductible.

The shocker? The Minnesota Department of Administration refused to cover the costs, citing “immunity” — a legal shield protecting government workers from liability.

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“We see that a lot with immunity cases”

After months of back-and-forth, the state refused to pay, sending Krueger a letter saying, “We are unable to consider your claim for payment,” and citing “immunity.”

Dashcam footage from the crash shows the moment of impact, followed by a senior trooper admitting the rookie officer, "didn’t see you." That statement and the accident report’s mention of an “improper turn or merge” seemed to confirm that the trooper was at fault.

Legal experts like Alicia Granse, an attorney with the ACLU of Minnesota, are worried that this could set a dangerous precedent. Granse argues that while immunity shields government workers, it shouldn’t prevent them from acknowledging harm and making things right.

“We see that a lot with immunity cases,” she said. “It’s very difficult to hold government agents accountable in any sphere.

In recent years, the ACLU has made it a priority to challenge immunity laws, hoping to reduce how often the government uses these legal defenses.

She added, “We don’t want to penalize, necessarily, government agents who make a mistake, but they should at least acknowledge the harm and try to make things right.”

According to ABC News, the Minnesota Department of Administration declined to comment and the State Patrol, which confirmed the rookie officer left the force just two weeks after the crash, also refused to provide further details. The records show that the officer was not cited.

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What to do if your insurance claim is denied

Dealing with a denied insurance claim can be frustrating, but here are some steps you can take to navigate the tricky situation.

To begin with, it’s important to understand your policy, keep good documentation and stay current on payments to avoid any issues in the first place.

Each state has its own rules for handling insurance claim denials and appeals. Reach out to your state’s insurance department for advice.

If your claim does get denied, make sure you understand why by reviewing the insurer’s Explanation of Benefits (EOB). Common reasons for denial include missing documentation, failure to meet policy terms, or expired policies. If you believe the denial was incorrect, you can file an appeal with the insurer and be sure to submit all necessary documentation and stick to deadlines.

If your appeal isn’t successful, consider mediation or arbitration to resolve the issue more quickly and affordably. You also have legal rights, with each state offering regulations for handling claims disputes. Federal protections like ERISA apply to employer-sponsored health plans.

If necessary, you can consider escalating the issue to a regulatory body such as the Consumer Financial Protection Bureau or seeking legal action. Seek professional advice to help guide you through the appeals process and ensure your claims are handled correctly.

Krueger, for his part, is just looking for one thing: “I’m not looking for a lottery ticket here. I’m looking for accountability. I’m looking for the right thing to be done,” he said.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

The Social Security Administration (SSA) backed down from a major change that critics argued would have made it harder to access benefits for millions of Americans.

Following public outcry, the agency will no longer slash telephone services that would have forced many people to process claims in person.

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The SSA announced in March it would implement anti-fraud measures, requiring in-person identity proofing to access certain services for those unable to use the “my Social Security” online portal. But weeks later, the agency reversed course, saying it had rolled out “enhanced technology” that modernized its services.

“Users of our phone service will only have to come in person if they are flagged by our anti-fraud system,” the agency wrote in a social media post on April 9.

Critics warned that moving away from telephone services could create massive roadblocks for millions of Americans, especially older adults and those living in rural areas.

Here’s what these changes mean, and how you can prepare for potential policy shifts in the future.

Long waits and accessibility gaps

More than 4-in-10 retirees apply for benefits by phone, along with most spouses and bereaved family members seeking survivor benefits, according to the Center on Budget and Policy Priorities (CBPP), a policy think tank. The proposed rule would have wiped out that option for many of those people.

“There’s no way to schedule an appointment online,” Kathleen Romig, the CBPP’s director of Social Security and disability policy, told NPR. "So you have to call the agency’s 800 number. Right now, the wait for a call back from Social Security is two-and-a-half hours. And that’s if you get through to an agent at all.”

Even if you try to go the in-person route, getting help from Social Security is no walk in the park. Most people wait at least 28 days for a scheduled appointment.

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An analysis by the CPBB shows visiting an SSA field office amounts to a “45-mile trip for some 6 million seniors” — a trip that becomes incredibly more difficult for those living in remote areas.

Millions of older and disabled Americans also lack reliable internet, smartphones or the tech skills to navigate multi-step online ID checks, the CBPP says, which makes learning to use the online portal a challenge.

Romig emphasizes the real-world impact: "Not everyone drives, particularly seniors or people with disabilities," she said. "And not everyone is able to leave the house. Think about people who are homebound or hospitalized. So, this is incredibly burdensome for the older and disabled people that the SSA serves."

How to prepare for changes, just in case

If you or someone you know is planning to file for Social Security benefits, don’t wait. Start prepping now — whether that means figuring out your nearest field office, checking your online account access or calling SSA (early in the day) to get a jump on the queue.

Those who think they’re up for it should try learning how to use the free “my Social Security” online portal. This online tool will help you monitor your benefits, earnings and communication with the SSA, all in one place.

Staying organized is another key tool. That means keeping detailed records of your earnings history, any correspondence with the SSA and copies of important documents like proof of identity or direct deposit info. With new fraud detection rules in play, having paperwork ready can help clear up any flagged claims or delays.

And as always, seniors need to watch out for scams. The SSA will never demand immediate payment or threaten arrest, and anyone who does may be a fraudster. Be careful with unsolicited phone calls, emails or texts claiming to be from Social Security. If anything feels off, report it directly to the SSA or the Federal Trade Commission.

With some prep work and ongoing vigilance, you can navigate these changes smoothly and protect the benefits you’ve earned.

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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

He billed himself as Boston’s ADU expert — a contractor helping homeowners cash in on backyard rentals and basement conversions known as accessory dwelling units.

But now, Derek Thomas of Incremental Developers is facing serious questions from clients and subcontractors who say he left them unpaid and projects unfinished, according to a report by NBC10 Boston News.

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Among them are Calvin and Vanessa Sangster, a husband and wife electrician team who say they’re still chasing payment for work they did on a Salem property flip.

The kicker? This was a side project they claim pulled focus and funding from the taxpayer-backed ADU jobs that were supposed to be getting done.

Clients claim projects were abandoned, funds misused

According to Calvin Sangster, the trouble started when Thomas shifted focus from his affordable housing work to a personal real estate flip.

“The turning point was a house in Salem that [Thomas] purchased,” he told NBC10.

Records show Thomas bought the property in 2023 for $520,000, using a hard money loan, a high-interest financing tool often used in fast-paced, high-risk property flips.

But what was supposed to be a quick investment project turned into what the Sangsters describe as a full-scale overhaul, eating up time, labor and resources.

“It was very extensive,” Vanessa Sangster said. “It had all new wiring, new electrical panels and new service. Everything inside the property is new. It was extreme.”

The Sangsters say they spent weeks commuting from Rhode Island to work on the house, but as that project escalated, other client-funded jobs sat idle.

“It was like we were told to forget about all the other jobs we had going on and just come to [the property in Salem] every day,” Calvin added. “The other projects paused, absolutely.”

Among the stalled jobs were ADU projects for three Boston-area homeowners, in Brighton, Jamaica Plain and Dorchester, all of whom eventually fired Thomas and filed complaints, reported NBC10.

And that’s not the only legal trouble. A Swampscott homeowner told NBC10 reporters that they paid more than $40,000 for an ADU that was never built, and now holds a lien on the Salem property, alleging Thomas diverted their project funds into the flip, a claim he flatly denies.

A Lynn District Court judge recently ordered Thomas to turn over financial records tied to the Salem property and detail how many ADU jobs he’s completed. The court action adds to a growing list of red flags for the contractor who, according to NBC10, still promotes himself as a success story in the ADU space.

Through a statement to the news channel from his attorney, John Entner, Thomas denied any wrongdoing.

“As a general matter, my client categorically denies any wrongdoing regarding the City of Boston, the homeowners featured in the NBC10 report, or any other cities, homeowners or subcontractors,” Entner wrote. “The contracts and legal relationship between all of the parties have been clear from the start, and my client has acted well within its contractual obligations and rights at all times.”

Thomas also pushed back on accusations that he owes the Sangsters about $6,000 for their work on the Salem flip, saying all invoices have been paid.

A spokesperson for the city’s Inspectional Services Department confirmed to NBC10 that Thomas is no longer eligible for city-backed ADU projects that involve taxpayer funds.

Meanwhile, the news channel also reports that complaints from homeowners have been filed with the Massachusetts Attorney General’s Office and the Office of Consumer Affairs and Business Regulation. Depending on the outcomes, Thomas could face fines or other penalties.

“He’s gonna get what’s coming to him,” said Calvin.

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What to do before hiring a contractor

Thinking about tackling a home renovation? It can be a great way to boost your property value or finally get that dream kitchen, but if you’re not careful, it can also become a money pit.

From shady contractors to surprise costs, there’s a lot that can go sideways. That’s why planning smart from the start isn’t just good advice, it’s financial self-defense.

Vet your contractor

Before you commit, take time to verify their credentials. Don’t just ask if they’re licensed, actually check with your state’s licensing board. Most states, including Massachusetts, have quick online tools to confirm whether someone’s legit.

Ask for proof of insurance and workers’ compensation

Confirm a contractor has both so that you’re not on the hook if something goes wrong. And if they’re bonded? Even better. That bond could be your backup plan if the contractor walks away mid-project or doesn’t follow through.

Get everything in writing

A real contract should spell out the scope of the work, a clear payment schedule and any warranty coverage. Watch out for blank spaces or vague language. If it’s not in the contract, it doesn’t count.

Never pay 100% up front

Keep your initial deposit to between 10% and 30%, and schedule the rest of the payments around milestones, like demo, framing or final inspection. Hold onto that last payment until the job is done and you’re satisfied.

Keep a paper trail

Save every invoice, contract and email. You’ll be glad you did if you ever need to challenge a charge or settle a dispute.

Don’t forget the hidden costs

Even the best-planned renovations can uncover problems behind the walls, like water damage or outdated wiring. Set aside 10% to 20% of your budget as a cushion. That emergency fund could be the difference between a hiccup and a full-blown financial headache.

Talk early and often

Set clear expectations with your contractor, check in regularly and speak up the moment something feels off. Good communication early can help prevent bigger issues down the road.

With the right prep and a few savvy strategies, your renovation doesn’t have to be a gamble, it can be a smart investment in your home and your future.

As for the Sangsters, the experience has taken both a financial and emotional toll.

“I feel disappointed and a bit angry,” said Vanessa.

“You expect to get what’s due to you at the end of a project and [Thomas] jeopardized that not just for me but my family as well. I think he definitely needs to be held responsible for his actions.”

What to read next

• Don’t have the cash to pay Uncle Sam in 2025? You may already be eligible for a ‘streamlined’ handshake with the IRS — here’s how it works and how it can potentially save you thousands
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in great wealth. How to get in now

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.