Hello Ho Ho! Here's an important message from Network Rail for anyone who's travelling

by train this Christmas and New Year. We'll be working over the festive period to make

improvements to the railway. Most of the network remains open, but some train services

will be affected from Sunday 25 December until Monday 2 January. So, to keep your festive

plans on track, please check before you travel at nationalrail.co.uk slash Christmas.

It's my pleasure to welcome you to the Clark Howard Show, our mission is to serve you and

empower you so you make better financial decisions in your life. In this episode, taxes, I'm

sorry, there's actually good news about taxes. There were a lot of people who failed to

file over the last couple of tax years and there's actually almost like a forgiveness period

from the IRS. For real, I'm going to tell you about it. It's coming straight ahead.

Also, health insurance and health care, there's lots of news in this area and there's some

opportunity for you to save money. I'm going to fill you in. So, even more than normal,

people tax years 2019, 2020 didn't file their returns. You think about what was going on

in 2020, which is when you would have filed your 19, we were in the heart of COVID. A lot

of people dealing with ill family members, a lot of disruption in their lives from unemployment,

whatever. And COVID is something we've learned to live with. But if you go back to 2021,

both years were highly disruptive and some people in very large numbers didn't file and

now have been subject to very large failure to file penalties. Well, the IRS has established

forgiveness period where you don't have to pay the failure to file penalties. As long

as you go ahead and get in that 2019 and or 2020 return by September 30th. So, the

clock's ticking. You don't have much time. But if you do this, you avoid the penalties

that have been accruing. You still owe interest on failure to pay, but that's a much,

...