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When Is Tax-Free Shopping Happening in Your State?

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Believe it or not, back-to-school season is quickly approaching. While it’s most likely going to look a lot different this year, especially if you’ll be continuing remote learning, there are some things that are here to stay. One of those things you’ve been wondering about? Tax-free shopping. The good news: It’s happening, but it looks different in every state. According to the Federation of Tax Administrators, 16 states are participating this year. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon never charge sales tax. So, if you live in these states, maybe you can shop for the rest of us year round?

Tax-free holidays generally start toward the end of July and go through August and range from a couple days to about a week. You can expect to save on clothing, shoes, school supplies, and even big-ticket items like a computer

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Miami officials have a few models for reopening schools. It’s up to parents to decide.

Miami-Dade County Public Schools’ plans keep shifting as coronavirus cases continue to spike exponentially.

The school district was due to announce its plan to reopen schools for the 2020-21 school year on Wednesday but postponed to squeeze in one more meeting with its work group of medical professionals and community members. The full plan will be presented at a special School Board meeting Wednesday, July 1.

“After the last Zoom call, as a parent, grandparent, I was extremely nervous and upset,” said Eileen Segal of the Family & Community Involvement Advisory Committee on Wednesday. “After listening today I feel a lot calmer.”

On Friday, the 23-member work group met virtually again to go over a revised draft plan. Seven models of how instruction would take place were whittled to four: A daily attendance at the schoolhouse model with reduced class sizes and social distancing; two hybrid models of in-person and

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3 Lenders You Should Consider for Tiny House Financing

Joining the tiny house movement is a popular strategy to dedicate more money toward your existing debt.

But what if buying a tiny house adds to your debt?

That’s the question Brooke Genn and her husband faced. Their diminutive dream home came with a price tag of $136,000, so they resorted to tiny house financing.

What is tiny house financing?

Genn and her husband designed a 39-foot-long house that will be completely solar-powered and include a claw foot bathtub when it’s built.

If you estimate how much house you can afford, you might consider even tinier or simpler homes. Tiny houses, by definition, are typically 100 to 400 square feet and built on wheels or purchased land.

But small isn’t free. The average humble abode costs $23,000 to build, according to iTRaC. Already-built models are typically available for less than $75,000.

Unless you have the cash on hand for your

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Apple Watch help with handwashing and a few other things you need to know

Usually, news coming from Apple’s annual Worldwide Developers Conference is heavy on software and applause.

The keynote, which typically serves as a venue for Apple to highlight its latest iOS operating system, was done online only, because of crowd restrictions to combat the spread of the coronavirus. And on Monday, the tech giant used this year’s WWDC to get a bit socially conscious and announced it will make its own silicon chips for its Macs and new operating software. 

During a pre-taped presentation from Apple Park, CEO Tim Cook didn’t mince words discussing why Black lives matter and addressing the challenges of the coronavirus during the company’s first-ever all-virtual conference. The event comes amid an ongoing global pandemic that has forced many governments to order residents to shelter in place and intensified calls to eliminate systemic racism following the worldwide outrage since the smartphone-recorded deaths of George Floyd in Minneapolis

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6 common mistakes when refinancing into a low mortgage rate

Mortgage rates keep hitting new all-time lows, and homeowners have been rushing to refinance and shave down their monthly payments — sometimes by hundreds of dollars.

As 30-year mortgage rates head toward 3% and lower, you’re a good candidate to refinance and save if your current mortgage rate is in the neighborhood of 4%. That’s pretty common, because rates were averaging around 4.2% in the spring of last year.

Think you’re ripe for a refi? Careful there, because mortgages are complicated and it’s easy to make a misstep.

Refinancing errors can be costly. Here are six of the most common ones you’ll want to avoid on your way to landing a new loan.

1. Not comparison shopping to find the best deal

Krakenimages.com / Shutterstock
Too many borrowers grab the first mortgage they see.

You probably wouldn’t buy a new car without shopping around and comparing prices. Same goes

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The best credit cards for college students

— Our editors review and recommend products to help you buy the stuff you need. If you sign up for a credit card after clicking one of our links, we may earn a small fee for referring you. However, our picks and opinions are independent from USA TODAY’s newsroom and any business incentives.

College can be an exciting, confusing, and, well, costly time in your life. You’ll need to buy everything from books to blankets to the occasional beer (if you’re old enough), and you get to make those spending decisions all on your own. Assuming you take a smart approach to your money and don’t go over your budget, using the right credit card to make your necessary purchases can make your transition into adult life just a little bit easier.

The best credit cards for college students have a few things in common: They offer forgiving policies, robust

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How to Buy Sheets You’ll Love Sleeping on Every Night

Photo credit: IronHeart - Getty Images
Photo credit: IronHeart – Getty Images

From House Beautiful

There are so many sheets on the market these days, but how do you know which ones you’ll actually love sleeping on? This easy guide can help you find well-made, high-quality sheets that’ll make you want to hit snooze every morning. Oh, and it’s not all about thread count—but more on that in a sec.

What Is Thread Count, and Does it Actually Matter?

First, the term “thread count” refers to the number of horizontal (aka weft) and vertical (aka warp) yarns per square inch of a fabric, according to Katie Elks, director of design and product development at Brooklinen. And as for whether it matters, the answer is not really. It can indicate higher quality sheets, but it’s certainly not the most important factor. And it’s not unlikely for thread counts to be exaggerated, or at least not what they

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Facebook announces new hate speech and misinformation policies amid advertiser revolt

Facebook is changing a number of policies relating to hate speech and voter suppression on the platform, the chief executive officer, Mark Zuckerberg, said in a surprise live video on Friday.

The announcements were made in a hurried appearance by the executive on his personal Facebook page shortly after Unilever announced that it was pulling advertisements for the next six months – which sent Facebook stock tumbling more than 7%.

More than 100 brands have joined a boycott of advertising on Facebook due to its failure to address hate speech and violence on the platform – most recently the major advertisers Verizon and Unilever. Facebook makes about 98% of its $70bn in annual revenue from advertising. Zuckerberg did not directly address the boycott in his statement Friday.

Unilever’s joining of the boycott put significant pressure on Facebook, said Nicole Perrin, the principal analyst at market research firm eMarketer. As one

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Online shoppers have lost millions to fraud during lockdown

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Make online shopping a safe experience for the whole family. (Photo: Getty Images)
Make online shopping a safe experience for the whole family. (Photo: Getty Images)

It’s another Saturday afternoon during lockdown, and you’re back on Amazon, filling your cart with household items and groceries. You haven’t been able to make your typical Target and Walmart runs lately, so you’re stocking up virtually instead.

Online shopping: everyone does it so it’s pretty harmless, right? Well, not always. Fraud is a possibility any time you shop online, according to Experian. And during a worldwide pandemic or even the holiday season, you’re especially vulnerable to hackers, phishers, and identity thieves. Covid-related fraud has already robbed a cumulative $13.4 million from unsuspecting Americans, according to the Federal Trade Commission.

That’s because so

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“You Mustn’t Lower Yourself for Men Around You”

Photo credit: .
Photo credit: .

From Harper’s BAZAAR

Photo credit: Hearst Owned
Photo credit: Hearst Owned

In Season 2 of Dare I Say, launching May 1, host MJ Rodriguez takes us inside the sometimes heated, sometimes vulnerable, and always animated discussions that happen when two women sit down to tackle today’s most pressing issues. New episodes will be released every Friday.

Photo credit: .
Photo credit: .
Photo credit: .
Photo credit: .

“You mustn’t lower yourself for men around you. You must show him what a strong woman looks like’’

Jameela & Jennifer

“Toxic masculinity” is a term that dates back to around the 1980s, denoting a desperate clinging onto and protection of traditional masculine ideals, but its effects have been shaping society for ages. Although we know the behavior to be harmful to women, creating a culture where they are harassed and subjugated, it’s also detrimental to men themselves, pressuring them to suppress their feelings or use violence to display

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