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There's a lot of speculation out there about how President Donald Trump's new tax plan, signed into law in 2017, will affect people's tax returns this year. Millions of us might watch our tax refunds shrink or disappear completely. Some of us, apparently, will be buying a private jet.

Of course, how the law might affect your return specifically will depend on dozens of distinct factors, and you might see big changes or no changes at all. But here are a few tax law changes to keep an eye out for.

For millions who bet on the Patriots to win the Super Bowl (again) last night, they'll be looking to cash in those winnings today. (Just as long as they didn't also bet the over.) While most of us would try to cash that winning ticket in ASAP, there could be quite a few reasons you might have to wait: maybe you placed the bet while on vacation to Las Vegas, and need to cash it in person at the casino; or maybe, after all that celebrating, you need to track down exactly where you stashed the ticket.

Either way, the clock is ticking. And time limits could also apply to winning lottery tickets. So how long do you have to cash a winning lotto ticket or sports bet?

In 1993, Jeff Bezos married MacKenzie Tuttle. While he already had a successful career at hedge fund D.E. Shaw & Co., this was about a year before Bezos would launch a little online bookstore out of his Seattle garage. Amazon is now a trillion-dollar company, Bezos' net worth is estimated around $150 billion, and he and MacKenzie just announced they are divorcing.

The news of the divorce shouldn't affect Amazon's bottom line, even if splitting in 2019 will cost Bezos a few more tax dollars than it would've in 2018. He might also be wondering just how much of his personal net worth or stake in the company he founded will take a hit in the divorce, and if it might not be too late to sign a prenup.

Woman Sues After Being Denied Loan Forgiveness

There's the letter of the law, and then there's the spirit of the law. And Amanda Lawson-Ross hopes that she can prevail, based on the latter. Lawson-Ross is a psychologist at the University of Florida. She believed that her employment position would qualify her for the Public Service Loan Forgiveness program, which forgives certain student loans for those employed in non-profit and government positions for 10 years, so long as they have made on-time payments.

Lawson-Ross claims to have repeatedly asked her loan servicer, Great Lakes, if she was on track to have her loan forgiven in ten years. Each time, they said yes. However, around seven years into her payments, Great Lakes called to tell her that she didn't actually qualify for public service loan forgiveness because she had the wrong type of loan. "I immediately broke down and just started sobbing," Lawson-Ross said. "I had planned everything around this."

Black Friday is right around the corner. After that? Cyber Monday. And in between? A whole lot of offers, sales, and clearances. And, sadly, a lot of deception, scams, and identity theft.

So here are some holiday shopping tips, to keep you safe (legally speaking) both online and in real life.

Department of Education on Last Leg in Student Loan Forgiveness Case

Betsy DeVos's Department of Education was dealt a severe blow for its delay in carrying out the Borrower's Defense to Repayment, which was supposed to go into effect on July 1. Attorneys general from 19 states and the District of Columbia filed suit, claiming the delay violated the Administrative Procedures Act because DeVos did not meet the standard for a delay, give proper notice, or afford adequate time for public comment.

The federal court ruled last week that the delay was "arbitrary and capricious," or in other words, not fair and illegal. The judge has given the Department until October 12th to either offer stronger justification for the delay, or else the Repayment rule will take effect immediately.

Protecting Your School Backpack From Identity Theft Risk

Identity theft is an adult's worse nightmare. Everyone has heard examples of innocent victims being held responsible for the debts of the perpetrators, leading to tax problems and even bankruptcy. Adults take so many steps to prevent this, whether it be dropping outgoing mail off at the post office, changing passwords monthly, or viciously interrogating anyone that asks for a social security number.

But what about our kids? Could they unknowingly be the chink in the armor parents have so strongly built? Perhaps! So let's batten down the hatches, starting with their backpack.

Just because you've heard "If it sounds too good to be true, it probably is," doesn't mean that saying no to those too-good-to-be-true opportunities is easy. After all, how does one distinguish between a really good business opportunity and one that's too good to be true?

While that can prove pretty difficult, figuring out if a business opportunity is actually a Ponzi scheme can be a little easier. Here's how to spot a Ponzi or pyramid scheme and how to report it.

Last month, Bank of America reportedly froze access to a Kansas couple after they failed to provide proof of U.S. citizenship. Josh Collins and wife Jessica Salazar Collins disregarded a form the bank mailed them in June asking whether Collins (who was born in Wichita) was a citizen, assuming it was a scam.

The couple's access was restored after Collins provided a driver's license, but the incident left many people wondering why the bank was asking for proof of citizenship in the first place, and others wondering if you need to be a U.S. citizen to open a bank account.

From applying for a job to residential leases to the security of your personal information, your credit report and credit score can impact almost all facets of your life. But many consumers don't fully understand how these reports and scores are generated, who can access them and why, and what to do to correct any harmful errors that appear in their credit history.

So here are some of the most important questions, answers, and tips regarding your credit report, and how to maintain its integrity.