Good morning! It’s Daniel de Visé with your Daily Money.

President-elect Donald Trump campaigned on putting money back into the pockets of middle-class families by lowering their tax burden, but how realistic are his promises?

Some experts shared their thoughts about Trump’s major proposals, including eliminating taxes on tips, overtime and Social Security, capping interest rates on credit card debt, deducting auto loan interest, lifting the cap on state and local taxes (SALT), and increasing the child tax credit. Here’s what they said.

Beware of cheap but dangerous holiday toys

Shopping for a fun, maybe even educational, toy for a young child for Christmas should be packed with joy — not dread about what danger lurks ahead.

But here we are, Susan Tompor reports, being warned about serious threats that many parents, aunts, uncles, and grandparents would never imagine as they do their holiday shopping. See something cute online? Well, you better think twice, because a lack of safety standards could be hiding behind that super-low price.

📰 More stories you shouldn't miss 📰

• Grim details of Grimmway Farms carrot recall
• Trump Media may buy crypto firm
• Matthew McConaughey goes pantless
• When workplace talk turns political
• Is Nvidia stock poised to soar?

📰 A great read 📰

Finally, here's a popular story from earlier this year (actually, last week) that you may have missed. Read it! Share it!

If you feel that no bank account is entirely safe from scams and fraud these days, you aren’t being paranoid. 

Three in 10 bank customers experienced fraudulent activity on their accounts in the past year, according to the first bank fraud study by J.D. Power, the consumer analytics firm. 

Analysts at J.D. Power said fraud is proliferating in an era of peer-to-peer (P2P) payment apps and increasingly impersonal transactions.  

About The Daily Money

Each weekday, The Daily Money delivers the best consumer and financial news from USA TODAY, breaking down complex events, providing the TLDR version, and explaining how everything from Fed rate changes to bankruptcies impacts you.

Daniel de Visé covers personal finance for USA Today.