Money & Life If You Live in California, One Form Clears Your Data From 600 Brokers Starting Saturday.
California's Delete Request and Opt-Out Platform hits its enforcement date August 1, 2026. Every registered data broker must start processing DROP requests or eat a $200-per-consumer-per-day fine. This is the one privacy button worth pressing this year, if you live in the state.
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Reading picks
Auto Insurance
Louisiana Auto Rates Are Finally Dropping. Yours Won't Drop by Itself.
More than 20 carriers have filed rate cuts in Louisiana since tort reform took hold. State Farm cut 5.9 percent on a million policies. Progressive Security cut 6.6 percent on 270,000. Louisiana Farm Bureau went nearly 12 percent. The catch: none of that lands on your renewal unless you shop it.
Credit Cards
Penalty APR: The 29.99 Percent Trap the Late Fee Fight Doesn't Cover
Everyone is arguing about whether credit card late fees go back to $32 or stay at $8. The other punishment for a slipped payment can hit 29.99 percent APR and stick around for months. Here is what penalty APR actually is, when it kicks in, and how to get it off your account.
Money & Life
You'll Get Fewer 1099s Next Spring. You Still Owe the Same Tax.
The One Big Beautiful Bill Act raised the reporting threshold for Form 1099-NEC and 1099-MISC from $600 to $2,000 for payments made after Dec 31, 2025. Congress did not lower your tax bill. It just lowered the number of forms proving you had income. Here is how to track this year so April 2027 is not a mess.
Savings
Your Bank Will Not Call and Ask You to Move Your Money
Americans lost about $1 billion to bank impersonators in 2025 alone, part of a record $3.5 billion in imposter-scam losses. The FCC issued a rare July 23 advisory and its guidance is one sentence: banks will never call and ask you to move your money to protect it. Here is the two-second fix and the four setups to do this week.
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