Rockin Robin SongFlying The Web For News.
RobinsPost Logo RobinsPost Amazon





Consumer Daily Reports

[unable to retrieve full-text content]

Unfortunately, you still owe the bank money but there are ways to soften the blow

By James R. Hood of ConsumerAffairs
January 27, 2025

The recent disastrous wildfires in Southern California are an extreme example of the challenges homeowners face after their home is destroyed or seriously damaged. But a fire, flood or other disaster can strike almost anyone so it's worth facing some unpleasant facts.

Your friends will feel sorry for you, politicians will pledge their support and your family may raise a few dollars through Gofundme and, we hope, you insurance willpay off promptly, assuming you've been able to get insurance.

But whether or not those things happens, the stark truth is that you are still responsible for the mortgage payments, insurance premiums, property taxes and, if applicable, your HOA payment.

Let's review a few salient, if unpleasant, facts:

Mortgage Obligations

  • You still owe your mortgage. Even if your house is gone, youre still required to pay the remaining mortgage balance unless your lender provides relief.
  • Relief options:
    • Disaster forbearance: Temporary suspension of mortgage payments. You must contact your lender to request this. Do this sooner rather than later. It may take time and time, as always, is money. Don't waste it.
    • Repayment plans: Options include lump sum payments, payment deferrals, or mortgage modifications to make your repayments manageable. Lenders will usually grant you a few months of forbearance, meaning you don't have to pay right away but the unpaid amount will get tacked onto the end of yourmortgage.

Property Taxes

  • Tax payments still apply: Youre still required to pay property taxes, but natural disasters might reduce what you owe. If your house is now a pile of ashes, its value is drastically reduced.
  • Relief Options:
    • Delayed Payments: Contact your local tax collector to request a delay.
    • Reassessment: If your property value decreases due to damage, you can apply for a reassessment to reduce taxes. This may happen automatically but you should be ready to press the issue and to document how much your property's value has decreased.

Seek Assistance

  • FEMA: While FEMA doesnt help with mortgage payments, it does provide support for temporary housing, repairs, and other disaster-related needs.
  • Act Quickly: Contact your mortgage servicer or local tax office as soon as possible to explore relief options. You need to start the process quickly, since it may take a long time to complete.

Be sure to keep making your mortgage payments if you don't arrange a forbearance agreement. You legally owe the money and if you stop making mortgage payments, you'll be considered late, which can damage your credit. You could eventually default and lose your property.

In places like Southern California, where much of the property value comes from the land rather than its structures, you should take care to avoid this outcome even if your home has been destroyed. The land is very valuable and you don't want to lose it.

You can apply for FEMA assistance, assuming your home is in a designated diseaster area, and find applications and information on the FEMA site.



Photo Credit: Consumer Affairs News Department Images


Posted: 2025-01-27 06:14:05

Get Full News Story On Consumer Affairs



Listen to this article. Speaker link opens in a new window.
Text To Speech BETA Test Version.



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.


Read More ...


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.


Read More ...


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.


Read More ...


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.


Read More ...


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.


Read More ...


Related Bing News Results
Consumer Reports |Experts warn against daily use of protein supplements
Mon, 20 Oct 2025 22:57:00 GMT
Protein powders and shakes are more popular than ever, often touted as workout fuel or even meal replacements. But a new Consumer Reports investigation reveals a hidden risk: some of these supplements ...

A study found lead in popular protein powders. Here's why you shouldn't panic
Thu, 16 Oct 2025 12:07:00 GMT
A Consumer Reports investigation has found what it calls "concerning" levels of lead in roughly two dozen popular protein powder brands — but says that's not necessarily cause for tossing them. The ...

Your Daily Protein Shake Might Be Exposing You to Lead, Consumer Reports Finds
Tue, 14 Oct 2025 03:10:00 GMT
Plant-based powders, particularly those made with pea protein, were found to have the highest lead levels — and only a handful of brands were deemed safe for regular use in the nonprofit’s analysis. A ...

Your Daily Protein Shake Might Be Exposing You to Lead, Consumer Reports Finds
Mon, 13 Oct 2025 17:00:00 GMT
A Consumer Reports investigation found that more than two-thirds of tested protein powders and shakes contained more lead per serving than what food safety experts deem safe for daily consumption.

Consumer Reports: Save money at the gas pump
Mon, 22 Sep 2025 08:17:00 GMT
TONIGHT. WELL, THIS IS A CHORE MANY PEOPLE DREAD, AND IT’S FILLING UP AT THE PUMP. YEAH, NO DOUBT ABOUT IT. AND GAS PRICES ARE UP ONE MONTH AGO FROM FROM ONE MONTH AGO IN WISCONSIN AND ACROSS THE ...


Blow Us A Whistle


Related Product Search/Búsqueda de productos relacionados

Amazon Logo