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It imposes sharfp cuts to healcare and social welfare programs while extending tax cuts

By James R. Hood of ConsumerAffairs
July 3, 2025
  • Extends Trump-era tax cuts permanently while imposing cuts to healthcare and aid programs.
  • Delivers new tax breaks for parents, seniors, workers, and car buyersbut with caveats.

  • Tightens rules for programs like Medicaid and SNAP, raising potential costs for states and individuals.


A nearly 900-page Republican tax bill is headed for President Bidens desk after passing the House, cementing one of the biggest overhauls of the U.S. tax code in years. The legislation makes permanent the individual tax cuts originally enacted under President Trump in 2017, while introducing new tax breaks and significant changes to federal spending on healthcare, food assistance, and student aid programs.

Consumer advocates denounced the measure. This is certainly one of the cruelest bills in American history, backtracking on the countrys painfully slow history of expanding health care coverage and, equally remarkably, taking food away from the hungry," said Robert Weissman, co-president of Public Citizen.

"The bill will strip health coverage from 17 million Americans and put food assistance at risk for upwards of 5 million Americans."

ButDepartment of Housing and Urban Development (HUD) Secretary Scott Turner said the measure "will revitalize and uplift rural, tribal, and urban communities across America, delivering the largest deficit reduction in decades, providing the biggest tax cut ever for working-class Americans, and expanding the benefits of Opportunity Zones so this transformative policy can have an even greater impact.

"The One Big Beautiful Bill is a massive victory for the American worker, the American small business owner, and the American family, and its just the beginning of Americas Golden Age.

Slashing vital programs that protect civil rights, consumer protections, health care, and education for working families to benefit the rich and powerful is wrong, saidRichard Dubois, executive director of the National Consumer Law Center. The massive cuts to the Consumer Financial Protection Bureau buried in the bill further empower large corporations over people.

Stricter Rules for Medicaid and SNAP

The legislation imposes work requirements for Medicaid enrollees, mandating 80 hours of work per month for many able-bodied adults starting in late 2026. States that expanded Medicaid would also have to charge modest fees for some services for enrollees with slightly higher incomes.

Recipients of Supplemental Nutrition Assistance Program (SNAP) benefits will face stricter work rules as well. The age threshold for mandatory work requirements rises to 65, and states will be expected to contribute more to SNAP funding starting in 2028, potentially straining state budgets.

EVCredits on the Chopping Block

Shoppers considering an electric vehicle (EV) purchase may feel the squeeze. The bill ends tax credits for new and used EVs after Sept. 30, and eliminates credits for home charging stations after June 2026. However, buyers of U.S.-made cars could deduct up to $10,000 in auto loan interest through 2028, with income limits applying.

Bigger Deductions in High-Tax States

For residents in high-tax states, the bill offers some relief by raising the maximum state-and-local-tax (SALT) deduction to $40,000, up from the current $10,000 cap. This higher cap would grow by 1% annually through 2029 before reverting to $10,000 in 2030. However, the benefit phases down for households earning more than $500,000, limiting the boost for wealthier taxpayers.

New Perks, New Limits for Parents

Families stand to gain from an increase in the child tax credit, which would rise from $2,000 to $2,200 starting in 2026 and be permanently indexed to inflation. The legislation also establishes Trump Accounts for children born between 2025 and 2028, seeding each account with a $1,000 government contribution. Families could contribute up to $5,000 annually, with funds accessible in adulthood.

At the same time, the bill tightens borrowing rules for parents with college-age children. Parent Plus loans would face new caps$65,000 total and $20,000 per yearand would be excluded from income-driven repayment plans after mid-2026.

Seniors and Workers

Americans over 65 would gain a new tax deduction of up to $6,000 for individuals (or $12,000 for couples) between 2025 and 2028, available to those earning $75,000 or less. The benefit tapers off for higher incomes.

Workers could also benefit from temporary deductions. Those earning tips may deduct up to $25,000 in tip income from their federal taxable income, while people working overtime could deduct up to $12,500or $25,000 for married couplesfrom 2025 to 2028, provided they earn less than $150,000.

New Loan Restrictions for Students

For students, the bill spells tighter lending limits. The popular Grad Plus program allowing graduate students to borrow up to the full cost of attendance will end in 2026. Instead, graduate students will face annual borrowing caps of $20,500, while professional students in fields like medicine or law can borrow up to $50,000 annually. Overall borrowing would also face new lifetime limits.

The bill also replaces current income-contingent repayment plans with two options: a fixed-payment plan of 10 to 25 years, or a Repayment Assistance Plan based on income but stretching to 30 years. Meanwhile, private colleges with large endowments could see higher taxes, although institutions with fewer than 3,000 students would be exempt.

While Republicans tout the bill as a pro-growth, pro-family package, critics warn it could deepen inequality and increase financial pressure on vulnerable Americans. The full fiscal impact is likely to emerge as provisions phase in over the coming years.




Posted: 2025-07-03 20:34:05

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Consumer News: Safety Warning: HALO Bolt AC-DC charger
Fri, 14 Nov 2025 23:07:07 +0000

The Consumer Product Safety Commission (CPSC) is warning of a serious fire risk involving the HALO Bolt AC-DC charger

By News Desk of ConsumerAffairs
November 14, 2025

Consumers with chargers made before December 2020 should stop using them and dispose of them properly.

  • Fire and burn hazard from aging lithium-ion batteries

  • Affects HALO Bolt ACDC 58830 units made in or before December 2019

  • Stop use immediately and follow local disposal rules


Consumers are being warned to immediately stop using HALO Bolt ACDC 58830 portable chargers manufactured in or before December 2019. Reports include burn injuries and property damage due to the chargers catching fire. The risk is linked to the age of the product and its lithium-ion battery.

The affected chargers were sold at Best Buy and other retailers, both in stores and online, including QVC.com and Amazon.com. The chargers can be identified by the brand HALO on top and the model BOLT ACDC 58830 on the back label. Only units with a manufacturing year code of 16, 17, 18 or 19 are affected.

The hazard

The U.S. Consumer Product Safety Commission (CPSC) has received reports of these HALO chargers catching fire. One burn injury and several instances of property damage have been reported. The hazard is connected to lithium-ion battery failures, particularly in products manufactured before December 2019.

What to do

Consumers should immediately stop using the HALO Bolt ACDC 58830 portable chargers made in or before December 2019. Dispose of the product in accordance with state and local ordinances for battery-powered devices. Do not attempt to use, repair or charge the affected units.


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Consumer News: Poll finds rising GLP-1 use but persistent cost barriers
Fri, 14 Nov 2025 23:07:07 +0000

The cost is a leading reason people stop taking the meds

By Truman Lewis of ConsumerAffairs
November 14, 2025

One in eight U.S. adults now take GLP-1 drugs, but many struggle to afford them
Cost is a leading reason people stop using the medications
Most Americans doubt Trump administration policies will lower drug prices


About one in eight U.S. adults (12%) say they are currently taking a GLP-1 medication such as Ozempic or Wegovy for weight loss, diabetes, heart disease or another chronic condition, a new KFF Health Tracking Poll shows. Thats a notable increase from 18 months ago, even as many users report difficulty affording the drugs high price tags.

Nearly one in five adults (18%) say they have used a GLP-1 drug at some point. Women are more likely than men to report current use (15% vs. 9%), and uptake is highest among adults ages 50 to 64 (22%). Use drops sharply among those 65 and older (9%), reflecting Medicares continued prohibition on covering GLP-1 drugs when prescribed for weight loss alone.

Use is highest among those managing chronic conditions

GLP-1 medications are especially common among adults who report serious health conditions. More than half of adults diagnosed with diabetes (57%) say they have used the drugs, including 45% who are currently taking them. Use is also widespread among those with heart disease (40% ever; 29% currently) and among people diagnosed as obese or overweight in the past five years (34% ever; 23% currently).

Yet insurance coverage remains uneven. While most users say their insurer paid at least part of the cost, more than a quarter of insured users (27%) say they paid the full cost themselves.

Cost remains a major obstacle

The pollconducted before the Trump administrations latest policy announcements on GLP-1 coveragefinds that more than half of current or former GLP-1 users (56%) say the medications were difficult to afford. Even among those with insurance, 55% report affordability challenges.

Cost is among the most common reasons people stop taking the drugs. Fourteen percent of users say they discontinued treatment because they could not afford it, while 13% cite side effects and just 5% say they stopped because their condition improved.

Other barriers also persist. Roughly one in six GLP-1 users (17%) say they obtained the drugs online, and nearly one in ten (9%) say they got them from a medical spaan indication of the growing gray market around the blockbuster medications.

Among adults who have never taken a GLP-1 drug, interest in weight-loss use remains strong. About one in five (22%) say they would consider taking one, including 7% who say they are very interested. Interest is especially high43%among adults diagnosed as obese or overweight but not currently using such drugs.

Many skeptical that Trump policies will lower drug prices

Public expectations are low for the Trump administrations efforts to lower drug costs, including new Medicaid rebate deals, discounted IVF medications, and a proposed TrumpRx purchasing portal. Nearly two-thirds of adults (62%) say these measures are not too likely or not at all likely to reduce costs for people like them.

Partisan divides are stark: 73% of Republicans and 83% of self-identified MAGA supporters believe the administration will lower drug prices, compared to 33% of independents and just 9% of Democrats.

Medicare enrollees are more optimistic. About half (49%) of adults 65 and older with Medicare say they expect Trumps policies to lower their prescription costsoutpacing adults with employer coverage (34%) or Medicaid (32%).

Many still struggle to pay for prescriptions

Across the broader public, one in four adults (26%) say they or someone in their household had trouble paying for prescription medications in the past year. The burden is heavier among uninsured adults (41%), Hispanic adults (33%), Black adults (32%) and those with household incomes below $40,000 (33%).

The KFF survey was conducted Oct. 27Nov. 2, 2025, among a nationally representative sample of 1,350 U.S. adults, with a margin of error of plus or minus 3 percentage points.


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Consumer News: UK ruling says that Windows and Office licenses can be resold
Fri, 14 Nov 2025 23:07:06 +0000

Microsoft says it will appeal the ruling, which strikes at the heart of its business model

By James R. Hood of ConsumerAffairs
November 14, 2025

UK tribunal says Microsoft licenses can be legally resold
Ruling rejects Microsofts copyright claim; company plans to appeal
Decision clears path for resellers 270M damages case to proceed


Microsoft says it will challenge a decision by the UK Competition Appeal Tribunal (CAT) that strikes at the heart of its long-standing restrictions on reselling software licenses. The tribunal ruled that perpetual licenses for products such as Windows and Microsoft Office can legally be resoldrejecting Microsofts argument that such activity infringes its copyright.

The case dates back to 2021, when UK reseller ValueLicensing sued Microsoft over contractual terms that barred customers from reselling previously issued licenses. The reseller argued that these restrictions violated the principles of the European Software Directive and had cost the company millions in lost revenue.

Microsoft initially fought the claim on contractual grounds, but later advanced a copyright infringement theory. Because Office programs include interface elements such as icons and graphics, the company argued they should be treated as original artistic works, making license resale a copyright violation.

Judges dismissed that argument, saying the presence of such graphics does not convert software licenses into copyrighted creative works that restrict resale. Customers holding perpetual licenses are free to resell them, the tribunal saidechoing a decade-old precedent set in the UKs UsedSoft case.

The ruling could make it easier and cheaper for UK consumers and businesses to obtain Windows 11 or Office through the secondary market if it holds up on appeal.

ValueLicensing says decision validates its business

ValueLicensing has always believed it was running a legitimate business underpinned by the principles of the European Software Directive and the UsedSoft judgment at the ECJ, the companys managing director said following the ruling. This judgment confirms these principles, which legitimately allowed ValueLicensing to save its customers money on used Microsoft software.

The company said it now plans to refocus on the core of its lawsuit, which seeks damages for what it alleges were unlawful restrictions that hampered its business.

Case moves to damages phase and more litigation awaits

With the copyright argument dismissed, Microsoft will need a new defense as the lawsuit proceeds. If it ultimately loses, the company could face millions in damages to ValueLicensing.

But the financial risk doesnt end there. Microsoft is also tied up in a separate, similar class-action suit alleging abuse of market dominance and anti-competitive licensing practicesexposure that could reach into the billions.

For a company long accustomed to accusations of restrictive contracts and inflated pricing, the latest rulings add to a familiar pattern of legal headaches. Yet with Microsofts valuation supercharged by the AI boom, the litigation may amount to little more than a costly distraction for the tech giant.


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Consumer News: UK ruling that says Windows and Office licenses can be resold
Fri, 14 Nov 2025 20:07:07 +0000

Microsoft says it will appeal the ruling, which strikes at the heart of its business model

By James R. Hood of ConsumerAffairs
November 14, 2025

UK tribunal says Microsoft licenses can be legally resold
Ruling rejects Microsofts copyright claim; company plans to appeal
Decision clears path for resellers 270M damages case to proceed


Microsoft says it will challenge a decision by the UK Competition Appeal Tribunal (CAT) that strikes at the heart of its long-standing restrictions on reselling software licenses. The tribunal ruled that perpetual licenses for products such as Windows and Microsoft Office can legally be resoldrejecting Microsofts argument that such activity infringes its copyright.

The case dates back to 2021, when UK reseller ValueLicensing sued Microsoft over contractual terms that barred customers from reselling previously issued licenses. The reseller argued that these restrictions violated the principles of the European Software Directive and had cost the company millions in lost revenue.

Microsoft initially fought the claim on contractual grounds, but later advanced a copyright infringement theory. Because Office programs include interface elements such as icons and graphics, the company argued they should be treated as original artistic works, making license resale a copyright violation.

Judges dismissed that argument, saying the presence of such graphics does not convert software licenses into copyrighted creative works that restrict resale. Customers holding perpetual licenses are free to resell them, the tribunal saidechoing a decade-old precedent set in the UKs UsedSoft case.

The ruling could make it easier and cheaper for UK consumers and businesses to obtain Windows 11 or Office through the secondary market if it holds up on appeal.

ValueLicensing says decision validates its business

ValueLicensing has always believed it was running a legitimate business underpinned by the principles of the European Software Directive and the UsedSoft judgment at the ECJ, the companys managing director said following the ruling. This judgment confirms these principles, which legitimately allowed ValueLicensing to save its customers money on used Microsoft software.

The company said it now plans to refocus on the core of its lawsuit, which seeks damages for what it alleges were unlawful restrictions that hampered its business.

Case moves to damages phase and more litigation awaits

With the copyright argument dismissed, Microsoft will need a new defense as the lawsuit proceeds. If it ultimately loses, the company could face millions in damages to ValueLicensing.

But the financial risk doesnt end there. Microsoft is also tied up in a separate, similar class-action suit alleging abuse of market dominance and anti-competitive licensing practicesexposure that could reach into the billions.

For a company long accustomed to accusations of restrictive contracts and inflated pricing, the latest rulings add to a familiar pattern of legal headaches. Yet with Microsofts valuation supercharged by the AI boom, the litigation may amount to little more than a costly distraction for the tech giant.


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Consumer News: Why fake cameras and unlocked doors aren’t protecting your home
Fri, 14 Nov 2025 20:07:07 +0000

New ADT insights reveal how common shortcuts leave families more vulnerable than we think

By Kristen Dalli of ConsumerAffairs
November 14, 2025

  • Many common home-security habits like relying on fake cameras or leaving doors unlocked offer comfort, not real protection.

  • New ADT data shows 72% of people who use these shortcuts admit theyre only occasionally effective at preventing theft or break-ins.

  • Experts say upgrading to real, connected security devices with professional monitoring is the best way to keep your home truly safe.

When it comes to protecting our homes, many of us lean on habits that feel smart but dont actually keep us safer.

Maybe youve stuck a fake camera above the garage, rely on a Protected by sign from a hardware store, or assume nothing bad will happen if you leave the front door unlocked just this once.

Outdated methods of home protection

According to new ADT data, these shortcuts may be doing more harm than good.

The numbers are eye-opening: 38% of Americans use decoy security items, and another 38% admit they regularly or occasionally leave their front door unlocked. Even more striking, 72% of people who depend on these habits say theyre only sometimes effective at preventing break-ins or theft.

ConsumerAffairs interviewed Jimmy Lin, Vice President of Product Management at ADT to learn more about these behaviors and how consumers can actually stay safe.

Criminals know whats fake

According to Lin, these methods are increasingly less effective as criminals learn the common decoys and safe-ish security habits.

They can often spot a fake camera or notice when a sign doesnt match the equipment on the house which can identify your house as an even bigger target, he said. And with the false sense of security they provide, homeowners can neglect important measures like locking doors and windows, leaving them at risk.

Lin explained that homeowners are ultimately the ones at risk when they opt for these types of safety measures.

The biggest risk with using safe-ish practices is thinking you're protected when you're not, Lin said. It can lead people to let their guard down, delay real action, or ignore signs of vulnerability. Our research found that 72% of people who rely on these kinds of habits admit theyre only occasionally effective, proving its not worth the risk.

Prioritize safety

Homeowners are encouraged to adopt real, trusted security measures to ensure safety in their homes.

To be truly safe, replace decoys with real, connected devices from a trusted security brand, Lin said. Complete with indoor and outdoor security cameras, door and window sensors, security alarms, and motion sensors, a full security system especially one with 24/7 professional monitoring is the best way to keep you and your home safe at all times.

Security systems also allow you to have alerts whether its for motion detection, package delivery, or an open door, so you know whats happening in real time."


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