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As fires spread, more homes may be affected

By Mark Huffman Consumer News: Fannie Mae is offering mortgage assistance to Southern California fire victims of ConsumerAffairs
January 23, 2025

Fires are still burning in Southern California, threatening and destroying homes in their paths. The latest outbreak has forced evacuations of thousands of people about 45 miles northwest of Los Angeles.

Fannie Mae, meanwhile, has announced a comprehensive set of mortgage assistance and disaster relief options for affected homeowners and renters. The initiative is aimed at providing support to those grappling with the aftermath of the natural disaster.

Cyndi Danko, senior vice president and chief credit officer for Single-Family at Fannie Mae, said Fannie Mae is closely monitoring the situation and remains committed to assisting people affected by the fires. She urged residents to reach out to their mortgage servicers promptly for help.

Fannie Mae has outlined several relief measures under its guidelines for single-family mortgages affected by disasters. Homeowners can request mortgage assistance by contacting their mortgage servicer, as listed on their mortgage statement.

12-month forbearance plan

Affected homeowners may be eligible to reduce or suspend their mortgage payments for up to 12 months through a forbearance plan, during which late fees and foreclosure proceedings are halted.

In cases where direct contact with homeowners is not possible, mortgage servicers are authorized to offer a 90-day forbearance plan if they believe the property has been impacted by the disaster. In the period after forbearance, homeowners have options such as Disaster Payment Deferral and Fannie Mae Flex Modification to address any delinquencies without requiring a lump sum payment.

Fannie Mae also provides disaster recovery counseling services, accessible by calling 855-HERE2HELP (855-437-3243) or visiting their website. These services are free and delivered by HUD-approved housing counselors, offering personalized recovery plans, assistance with financial relief applications, and ongoing guidance for up to 18 months. Support is available in multiple languages to cater to diverse communities.



Photo Credit: Consumer Affairs News Department Images


Posted: 2025-01-23 13:15:06

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More News From This Category
Consumer News: Remote work isn’t just a perk anymore — it’s a priority, report finds
Wed, 10 Dec 2025 23:07:03 +0000

New trend report shows workers are rethinking careers, pushing back on office mandates, and demanding more flexibility

By Kristen Dalli of ConsumerAffairs
December 10, 2025

  • Flexibility now outranks pay for most workers, with 85% valuing remote options more than salary and nearly 70% willing to take a pay cut to work remotely.

  • RTO mandates are clashing with worker preferences, as 98% of professionals say they want remote or hybrid arrangements a gap employers risk ignoring.

  • Emerging trends like soft retirement show how companies may rely on flexible, low-commitment roles to retain senior talent and bridge workforce gaps heading into 2026.


If youve been wondering whether the remote-work conversation is cooling off, FlexJobs new Remote Work Trends Report for 2026 makes one thing clear: not even close.

In fact, the appetite for flexibility is only getting stronger and its reshaping how Americans think about their jobs, careers, and even their well-being.

According to the report, 85% of people now rank remote work above salary when weighing job offers. Many are even willing to change careers entirely to find more balance, with nearly 7 in 10 saying theyve made or seriously considered a field switch in the past year.

The tensions dont stop there. Gen Z workers report feeling overwhelmed and unsure about their career paths, working parents are burning out without enough flexibility, and widespread return-to-office mandates are creating a noticeable divide between employers and employees. Altogether, the findings paint a picture of a workforce thats exhausted, ambitious, and more than ready for a different kind of workday.

ConsumerAffairs interviewed Keith Spencer, Career Expert at FlexJobs, to learn more about what workplace trends are shaping up to be in the new year.

Challenges to RTO mandates

Many companies are enforcing return-to-office (RTO) mandates. However, these findings from FlexJobs highlight that this may not be the best choice.

Spencer explained that 98% of working professionals prefer either fully remote or hybrid arrangements, highlighting a clear shift away from traditional in-person work.

These changing preferences present a major opportunity for employers, he said. Those who embrace flexibility can attract and retain top talent, while those who ignore it risk losing valuable members of their teams.

Flexibility is a priority

Considering nearly 70% of workers would accept a lower salary to work remotely, the findings from this report highlight the importance of flexibility for todays workers.

Its difficult to put a price on flexibility, especially for younger workers who may feel stuck or anxious about their place in the workforce, or for working parents who rely on it as a key part of their support system, Spencer said.

Remote, hybrid, and flexible work arrangements can reduce stress and boost overall mental well-being by promoting a healthier work-life balance, often delivering more value than increased compensation. On top of that, working remotely can save employees a significant amount of money, which helps explain why many are even willing to accept a pay cut for the benefits it provides.

Soft retirement

Looking ahead to 2026, Spencer believes soft retirement is a trend to watch in the employment space.

By offering flexible, low-commitment positions that combine in-person and virtual work, companies can retain senior experts longer, preserve decades of institutional knowledge, and help transfer skills to younger employees, bridging critical talent gaps in specialized roles, he said.

This approach also supports the financial stability of retirees, many of whom are looking for ways to supplement their fixed retirement income.


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Consumer News: Last-minute holiday shopping? Here’s how to save without stressing
Wed, 10 Dec 2025 23:07:03 +0000

A retail expert shares smart strategies for snagging meaningful gifts before shipping cutoffs hit

By Kristen Dalli of ConsumerAffairs
December 10, 2025

  • Rushed shopping leads to overspending Convenience fees, impulse buys, and skipped price checks can quickly blow your budget.

  • Real deals are still available Retailers keep strong promotions on toys, beauty, winter apparel, and home gifts throughout December.

  • A simple plan goes a long way Compare prices, stack savings, and use digital gifts or same-day pickup to stay in control, even at the last minute.


The final countdown to the holidays is officially on and if youre still hunting for gifts, youre far from alone.

Shipping deadlines are coming up fast, stores are getting crowded, and the pressure to grab something (anything!) can make it easy to overspend.

However, last-minute shopping doesnt have to mean blowing your budget or settling for gifts that miss the mark.

ConsumerAffairs interviewed RetailMeNots Retail Insights Expert, Stephanie Carls to learn how consumers can stretch their dollars, avoid common last-minute traps, and still pick up thoughtful presents right up until the final hours of the season.

Avoid spending traps

While time may be running out, that doesnt mean youre out of options. Carls encourages last-minute shoppers not to count themselves out just yet.

When people feel rushed, they stop comparing prices and click the first thing with a fast-shipping badge, she said. Thats when overspending wins. Rush fees, convenience charges, and impulse add-ons stack up quickly, and shoppers dont realize how much theyre paying for the feeling of I just need this done.

Last-minute shopping isnt the issue. Its when people stop shopping and start settling.

Last-minute deals still exist

Not only should you not give up on the possibility of finding thoughtful gifts this year, but Carls is emphasizing that you can still find deals, too.

Retailers know procrastinators shop in massive numbers, so they keep real deals on the table, she said. Some of the strongest categories right now are toys, beauty and fragrances, winter apparel, and home or tool gifts.

These tend to carry solid promotions all the way through December, including discounts that echo earlier holiday pricing. December used to just be a time to shop after Black Friday, now its where the sleeper savings show up!

Your plan shouldnt change

Though it may feel like you have no time left, Carls encourages shoppers to have the same game plan going into last-minute shopping as you would at the beginning of the holiday shopping season.

Last-minute shopping doesnt have to feel out of control, Carls said. You just need a plan even a loose one. Compare prices, stack your savings, and dont assume the best deals are behind you, because retailers know shoppers arent finished yet.

Digital gifts, curbside pickup, and same-day options mean procrastinators have more backup plans than ever. At this point, the last-minute scramble isnt a crisis. Its a holiday tradition.


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Consumer News: Fed cuts rates again but signals pause amid rare internal split
Wed, 10 Dec 2025 23:07:03 +0000

Officials set higher bar for additional cuts

By Truman Lewis of ConsumerAffairs
December 10, 2025

Fed cuts rates for third straight meeting, lowers benchmark to three-year low
Rare three-way split underscores internal debate over inflation vs. jobs
Officials signal higher bar for any further reductions


Federal Reserve officials lowered interest rates for the third consecutive meeting on Wednesday, but signaled theyre in no hurry to cut further as divisions widen inside the central bank over what poses the bigger threat stubborn inflation or a weakening job market.

The policy committee voted 93 to approve a quarter-point reduction in the benchmark federal-funds rate, bringing it to a range of 3.5% to 3.75%, its lowest level in three years. It marked the first time since 2018 that three officials dissented on a single rate decision, highlighting the challenge of navigating an economy showing mixed signals.

The action should make home mortgages a bit more affordable. Home affordability has been improving latelyas home prices dip in some markets and mortgage rates continue to fall closer to the 6% level. Freddie Mac reported its latest Primary Mortgage Market Survey showedthe 30-year fixed-rate mortgage (FRM) averaged 6.19% last week.

Mortgage rates decreased for the second straight week as we emerged from the Thanksgiving holiday, said Sam Khater, Freddie Macs chief economist. Compared to this time last year, mortgage rates are half a percent lower, creating a more favorable environment for homebuyers and homeowners.

Three dissenters highlight conflicting priorities

Chicago Fed President Austan Goolsbee and Kansas City Fed President Jeff Schmid argued the rate cut wasnt justified, pointing to stalled progress on inflation. Fed governor Stephen Miran, however, wanted a more aggressive move, favoring a half-point reduction to guard more forcefully against a slowdown in hiring.

The unusually split vote underscored a broader debate within the central bank: whether to keep pressure on inflation that has stopped easing or move more decisively to support a labor market showing early signs of cooling.

Officials set higher bar for additional cuts

Wednesdays move was designed to insure against a sharper-than-expected drop in employment growth. But officials made clear that further reductions arent guaranteed. Their postmeeting statement said the extent and timing of future cuts would depend on how the economic outlook evolves language reminiscent of the Feds pivot to the sidelines after a round of cuts last year.

With inflation no longer improving and hiring softening only gradually, policymakers suggested they need clearer evidence of labor-market deterioration before taking rates lower again.

Outlook: cautious path ahead

The Feds calibrated message signals a central bank attempting to balance two risks at once: cutting too little and allowing a jobs downturn to accelerate, or cutting too much and allowing inflation pressures to reignite. For now, officials appear content to pause and watch incoming data, even as internal disagreements make the next steps less predictable.


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Consumer News: Uber pulls back on electric-vehicle push, cutting driver incentives
Wed, 10 Dec 2025 20:07:04 +0000

Incentives shrink as Uber reassesses economics

By Truman Lewis of ConsumerAffairs
December 10, 2025

Uber cuts EV incentives as costs rise
Drivers face uncertainty amid shrinking bonuses
Company shifts focus to autonomous electric fleets


Uber is scaling back its once-high-profile effort to convert its driver fleet to electric vehicles, slashing bonuses and ending several programs that previously rewarded drivers for switching from gas cars to EVs. The move marks a significant recalibration of the companys clean-transportation strategy at a moment when EV adoption nationwide has slowed.

For years, Uber offered thousands of dollars in bonuses to drivers who purchased or leased electric vehicles. But those incentives proved costly, and internal spending fell short of the companys own targets. Uber is now discontinuing many of these payments, leaving drivers who had counted on them facing new financial uncertainty.

Market headwinds contribute to slowdown

The shift comes against a backdrop of nationwide EV headwinds: cooling demand, higher interest rates, and slower charging-infrastructure buildout. With the market softening, Uber is reevaluating how aggressively it can push EV adoption among independent drivers already struggling with high vehicle costs.

Rather than funding individual EV purchases, Uber is steering more of its electrification investment toward partnerships with autonomous-vehicle companies. The company has signaled it will rely increasingly on electric robotaxis developed with partners such as Nuro and Lucid, betting that dedicated fleets will deliver emissions reductions faster and more predictably than incentives for its distributed driver base.

Climate pledges now face tougher path

Uber has committed to becoming a zero-emission platform in the U.S., Canada, and Europe by 2030. Cutting EV incentives raises questions about whether it can meet those goals, especially if driver adoption slows. The company maintains that autonomous electric fleets will help keep it on track, but critics say the transition may now require more aggressive regulatory or industry pressure.


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Consumer News: How to send your Amazon driver a $5 tip in seconds (without spending a dime)
Wed, 10 Dec 2025 20:07:04 +0000

Reward the person working hard to get your packages delivered this holiday

By Kyle James of ConsumerAffairs
December 10, 2025
  • Say Alexa, thank my driver on any Alexa device or in the Alexa app, or type thank my driver in the Amazon search bar to trigger the $5 tip

  • Amazon sends $5 (from Amazon, not you) to the driver from your most recent U.S. delivery made within the last 14 days, one thank you per delivery

  • You cant undo a thank my driver, and order problems (missing or damaged items) still need to be handled through Your Orders, not this feature


Amazon quietly launched a little feature that lets you actually send money to the person who drops boxes on your porch all year. This is a limited time thing that Amazon launched specifically for this years busy holiday season.

Every time you use Thank My Driver the right way, your driver gets $5 from Amazon, at no cost to you. Its Amazons way of letting customers show appreciation and also connecting drivers with the people they serve.

How to thank your driver in 10 seconds

Photo

Youve got a couple easy ways to trigger the thank you on the Amazon platform:

1. Use Alexa

Say: Alexa, thank my driver.

This can be said to any Alexa-enabled device connected to your Amazon account or through the Alexa app on your phone.

Alexa will send the thank you to the driver who delivered your most recent package (as long as it was delivered within the last 14 days).

2. Use the Amazon app or website

You can also simply open the Amazon app or go to Amazon in your browser.

In the search bar, type: thank my driver.

Then just follow the prompt, and it will thank the driver for your most recent delivery and give them $5.

Thats it, Amazon has kept it really simple. No order number, no form, nothing complicated.

Who can you thank (and how often)?

A few basics so you know how it works behind the scenes:

Which drivers are eligible?

Any driver who delivers Amazon packages in the United States can receive a thank you.

Which delivery gets the thank you?

The thank you goes to the driver who handled your most recent delivery, and that delivery has to be within the last 14 days.

Can you thank the same delivery more than once?

You can say thank my driver multiple times for the same delivery, but the system will only count one thank you per delivery for that driver.

So, if you really loved your last driver, you can talk about it all you want, but theyll receive one official thank you for that stop. Your best option is to wait until their next delivery andthank them again and theyll get another $5 added to their paycheck.

No Echo? No smartphone? You still have options

You dont need a house full of smart speakers to use this feature.

If you dont own an Echo device:

Just can use the Alexa app on your smartphone:

  • Open the Alexa app
  • Tap the Alexa button
  • Say, Alexa, thank my driver.

If you dont own a smartphone at all you can still participate:

  • Go to amazon.com on a computer
  • Type thank my driver in the search bar and follow the prompts

The bottom line is thisif you can get to the Amazon website, you can thank your driver.

What if something went wrong with your order?

Thank my driver cant be undone once youve initiated it, and keep in mind that its not meant for complaints.

If you have an issue with your order (missing item, damaged box, wrong product), go to Your Orders on Amazon and use the normal feedback and support options there.


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