Andy | Saving to Invest

Parent PLUS Loans Just Got Capped at $20,000 a Year — Here’s What Changed and What to Do Instead

Parent PLUS loans changed in a big way on July 1, 2026: parents can now borrow only $20,000 a year and $65,000 total per student, down from an effectively uncapped amount tied to the school's full cost of attendance. Grad PLUS loans disappeared entirely for anyone starting a new graduate…

The Social Security Fake Call Transfer Scam – How It Works and How to Shut It Down

The Social Security Administration recenty issued a fresh warning about a scam making the rounds: the "fake call transfer." A caller posing as a retailer, tech support line, or another government agency tells you they're "transferring" your call directly to Social Security — and then a second scammer picks up,…

Social Security’s Compassionate Allowances List Just Grew to 314 Conditions — Does Yours Qualify for Fast-Track Approval?

Social Security's Compassionate Allowances list grew to 314 conditions on August 11, 2026, after the agency added 14 more diagnoses that qualify for near-automatic, fast-tracked disability approval. If you or a family member has one of these conditions, it can mean the difference between waiting days for a decision instead…

Medicare Open Enrollment 2027: Key Dates, New Rules, and How to Actually Compare Plans

Medicare's Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026 — the annual window when you can switch Medicare Advantage plans, change Part D drug coverage, or move between Original Medicare and Medicare Advantage. This year's window comes with more than the usual "review your plan"…

Continuing Disability Review: What It Actually Means If SSA Is Checking Your SSDI or SSI Again

Getting a letter that says Social Security is reviewing your disability case again can feel like the beginning of the end of your benefits. For most people, it isn't. A Continuing Disability Review (CDR) is a routine, legally required check-in — not an accusation, and not a sign SSA thinks…

The AI Data Center Boom Is Rapidly Raising Your Electric Bill: What’s Happening and What You Can Do

Utilities asked state regulators for $18.6 billion in electricity rate increases in just the first six months of 2026 — already more than half of all of 2025's record $29 billion in requests, with the year not even over. Residential electricity rates are up 7.3% nationally over the past year,…

Can Gig Workers Get Unemployment Benefits? What DoorDash, Uber, and Instacart Drivers Actually Qualify For in 2026

If you drive for DoorDash, Uber, Lyft, or Instacart and lose other income, there's a good chance a straightforward unemployment claim based on that gig work alone will get denied. That's not a glitch in the system — it's how unemployment insurance is built. Regular state unemployment programs are designed…

Which State Taxes Actually Matter? Income, Property, Sales, and Estate Tax Compared for 2026-2027

Where you live changes what you owe in ways that have nothing to do with your federal return. Nine states charge no personal income tax at all in 2026, but the same nine states often make up the difference through property tax, sales tax, or both. There's no single "best"…

Property Tax Rebates by State in 2026 and 2027: What PA, NJ, TX, GA, and FL Homeowners Can Actually Get

If you're waiting on a property tax break in 2026, the size and shape of it depends entirely on your state — there's no federal program here. Five states have made real news this year: Pennsylvania, New Jersey, Texas, Georgia, and Florida, and each one works completely differently. Here's what's…

SSDI Wait Times in 2026: Faster Decisions, But a Growing Hearing Backlog Expected in 2027

If you're waiting on an SSDI decision in 2026, here's the honest picture: the earlier stages of the process have genuinely gotten faster than they were a year ago, but if your case ends up in front of an administrative law judge, you're still competing with more people than usual…

VA Disability Rates 2026 and 2027 Outlook: Full Payout Table by Rating After COLA

If you have a VA disability rating, your monthly compensation went up 2.8% for 2026 — the same cost-of-living adjustment (COLA) that applies to Social Security, since both use the same inflation measure. That took effect December 1, 2025, meaning the higher amount showed up in your January 2026 payment.…

Used Car Inspection Checklist: How to Avoid Buying a Lemon

A $150-$200 pre-purchase inspection is the cheapest insurance you'll ever buy on a used car. Skip it, and the average undisclosed problem - a bad transmission, hidden frame damage, a flood-damaged interior - runs $500 to $3,500 to fix after the sale is final and the seller is long gone.…

Medicare Advantage Plan Exits for 2027: What to Do If Your Plan Sends a Non-Renewal Notice

If you have a Medicare Advantage plan, don't assume it'll automatically be there again next year. Insurers have been pulling out of unprofitable markets at an unusual pace, and the pattern is continuing into 2027 — millions of enrollees are getting non-renewal notices this fall, many of them in rural…

Your SNAP EBT Card Got Skimmed? Here’s Why There’s Still No Federal Reimbursement in 2026 and 2027

Since December 20, 2024, there's been no federal program to pay back SNAP recipients whose benefits are stolen through EBT card skimming. As of August 2026, Congress still hasn't brought it back. That matters because the theft itself hasn't slowed down. Propel, which surveyed more than 8,000 EBT cardholders in…