Cktins

10/19/2026

Hot Off The Press! Read This Now!

10/17/2026

⚖️ Most of these laws only help if you know they exist when the problem shows up.

If someone uses your credit card without permission, federal law caps what you owe at $50, and most card issuers waive even that. If your statement has an error, you have 60 days from the statement date to dispute it in writing.

Your card bill has to arrive at least 21 days before it's due, and with a few exceptions, a card company can't raise the interest rate on a balance you already have.

Refinancing or taking out a home equity loan on the home you live in? You get three business days to cancel, and the lender has to refund the fees.

Robocalls and texts sent without your consent can be worth $500 each under the Telephone Consumer Protection Act, or up to $1,500 if the violation was willful. Debt collectors can't call before 8 a.m. or after 9 p.m., and a court can award up to $1,000 in extra damages per lawsuit, plus your actual losses.

For insured patients, the No Surprises Act caps emergency care, and some out-of-network care at in-network hospitals, at your in-network cost. Most health plans must cover recommended screenings like colonoscopies starting at 45 for $0, as long as you stay in-network. On Medicare, Part D drug costs are capped at $2,100 out of pocket in 2026, and insulin is capped at $35 a month.

If an airline cancels your flight or delays a domestic one by three hours or more and you don't accept the rebooking, you're owed a cash refund, not a voucher. Parts of that rule are under review in 2026, but the core of it is still in place.

Most of these work best when you put the dispute in writing and keep copies. If a company won't fix it, the CFPB, FTC, and Department of Transportation all take complaints.

P.S. Once a week, I email the best money article I read, with my take on this week's top Facebook posts and what's new on the Ways to Wealth blog. It's free, and you can sign up on the Ways to Wealth home page.

R.J. Weiss, CFP®



The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.

10/17/2026

09/21/2026

We need prayer…Kinda don't wanna do this cause I'm scared it's gonna hurt my feelings but here it goes ...If you classify yourself as my friend, or a family member
Who's in, and has a moment?
Our Father, who art in Heaven,
hallowed be thy Name,
thy kingdom come,
thy will be done,
on Earth as it is in Heaven.
Give us this day our daily bread.
And forgive us our trespasses,
as we forgive those
who trespass against us.
lead us not into temptation,
but deliver us from evil.
For thine is the kingdom,
and the power, and the glory,
forever and ever.
Amen.
PS: It is a request that everyone who reads and believes it, would paste it on their page. It's a World prayer assignment, a couple of minutes for the health of all the sick, weary, and heartbroken.
This World needs this more than ever, hit the like button, say done and copy this to your status. When I see your name, I'll know who my active friends and family are. (Interesting to see) !!! 👀 (Watch NO-ONE follow directions)🙏💕🙏💕🙏

09/16/2026

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08/17/2026

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08/16/2026

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07/21/2026

Just remembering past times with the drinking buddies I grew up with and sort of missing those easy life memories when it was just living for enjoyment of life and not being hammered down by work and life that just keeps lifin and doesn’t let up, miss those times!

07/13/2026

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