Vol. I  ·  No. 13
Friday, October 30, 2026
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Front page › Back issues › Tuesday, October 27, 2026

Tuesday, October 27, 2026

2 stories in this edition

Consumer alerts

FTC and 20 States Sue Dollar General Over Checkout Overcharges

The complaint alleges the chain routinely charged more at checkout than its shelf labels and ads, ignoring tens of thousands of complaints. Here is how to protect yourself at any store.

Illustration of a Dollar General store front with its yellow and black sign, glass doors, yellow shopping carts inside and yellow bollards along the sidewalk
An illustration of a Dollar General store front. Not a photo of a particular store. Illustration

By Finance Unc

The Federal Trade Commission and 20 states have sued Dollar General, alleging that for years the chain routinely charged customers more at the register than the prices on its shelves, price tags and ads, costing shoppers millions of dollars, the FTC said October 26. The states are Alabama, Arizona, Arkansas, California, Connecticut, Florida, Illinois, Iowa, Kansas, Louisiana, Michigan, Mississippi, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Tennessee, Utah and Wisconsin.

According to the complaint, filed in federal court in Tennessee, Dollar General received tens of thousands of complaints that it did not honor advertised prices but failed to fix the problem. The company, which runs more than 21,000 stores, has not had its day in court; these are the government's allegations, not findings.

Wherever you shop, a few habits catch overcharges: watch the screen as items are scanned, keep the receipt, and compare it before leaving. Snap a photo of a shelf tag if the price matters. If you are charged more than the posted price, ask for the difference at the register or customer service; some states require stores to honor the lower price or pay a set amount. You can report overcharges to your state attorney general or weights-and-measures office, and to the FTC at ReportFraud.ftc.gov.

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Read & watch

Standard Deduction or Itemize? How to Tell for 2026

Most filers take the standard deduction, now $16,100 single and $32,200 joint. The higher state and local tax cap makes itemizing worth a second look for some homeowners. Here is how to run the numbers before December 31.

By Finance Unc

Every federal return takes one of two deductions, whichever is bigger: the standard deduction, a flat amount set by law, or your itemized deductions, the total of specific expenses you list on Schedule A. You cannot take both. The decision matters now, not in April, because several of the expenses that count, such as charitable gifts and some tax payments, can still be timed before the year ends.

The 2026 standard deduction, from IRS Revenue Procedure 2025-32, is $16,100 for single filers and married people filing separately, $32,200 for married couples filing jointly and surviving spouses, and $24,150 for heads of household. If you are 65 or older or blind, add $1,650 per qualifying person if married, or $2,050 if unmarried. Separately, from 2025 through 2028 anyone 65 or older can deduct an extra $6,000, or $12,000 for a married couple who both qualify, whether they itemize or not; it phases out above $75,000 of modified adjusted gross income, or $150,000 for joint filers, and requires a valid Social Security number on the return, the IRS says.

Itemizing only pays if your listed expenses beat those amounts. The main ones are mortgage interest on your home, state and local taxes, charitable gifts, and medical expenses above 7.5 percent of your adjusted gross income. The state and local tax category is where 2026 differs from recent years: the cap on income, sales and property taxes rose to $40,400, or $20,200 if married filing separately, the IRS says. It shrinks once modified adjusted gross income passes $505,000, or $252,500 if married filing separately, but never below $10,000.

A quick test: add your 2026 mortgage interest, the state and local taxes you will pay up to the cap, the gifts you expect to make and any qualifying medical costs. Two charitable changes from the 2025 law start this year: if you itemize, only gifts above 0.5 percent of your adjusted gross income count, and if you take the standard deduction, you can still deduct up to $1,000 of cash gifts to qualifying charities, or $2,000 for joint filers. If your total is near the standard deduction, one common approach is bunching: concentrating two years of deductible gifts or payments into one year so you itemize that year and take the standard deduction the next. A tax professional can tell you whether that fits your situation; our November 24 guide covers charitable giving in more detail.

Where people go wrong: counting expenses that do not qualify, such as homeowners association fees or most personal costs; forgetting that a married couple filing separately must both itemize if one does; and assuming the higher tax cap applies at any income. Keep records of anything you plan to deduct, and check the figures against the IRS's own pages before you file.

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