Today is a federal holiday in the U.S., with most federal offices, post offices, and banks closed today. Most retailers and restaurants are open. With the new year there are a number of new laws effective on the federal, state, and local levels. Check for new minimum wage rates in your area. Note new federal tax rules effective today (e.g., bronze and catastrophic plans from the government marketplace are now compatible with Health Savings Accounts). To quote Taylor Swift: “This is a new year. A new beginning. And things will change.” #IdeaoftheDay


