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AUSTIN, Texas – The Texas Medical Association has created a handy chart to help Americans determine how risky everyday activities are when it comes to contracting the novel coronavirus.From opening the mail to going to a bar, TMA’s COVID-19 Task Force and Committee on Infectious Diseases have ranked activities on their risk level for COVID-19.The activities are broken down into these levels: low risk, low-moderate risk, moderate risk, moderate-high risk, and high risk.TMA says the levels are based on input from the physician members of the task force and the committee, who worked from the assumption that – no matter the activity – participants were taking as many safety precautions as they can.No matter the activity, TMA says it’s best if you stay home if possible, wear a mask and maintain at least 6 feet of distance when you have to go out, and practice safe hand hygiene.TMA’s task force is made up of 15 physicians who are experts and leaders in medicine, some of whom are in direct patient care.The task force has researched and written in the neighborhood of 25 whitepapers and guidance documents to help inform Texas physicians as they battle the COVID-19 coronavirus. They created those papers and guidance to help inform and guide the more than 53,000 TMA members across the state as they battle the pandemic and care for Texas patients. 1365

As so many massive data breaches have shown, there's no way to completely protect your information from swindlers.But being aware of fraudulent schemes — especially during tax season — can minimize your bad luck. And it can protect you from IRS penalties, interest and in some cases criminal prosecution if you fall for them.Here are 12 of the biggest tax scams the IRS is flagging this year:1. Phone scams: Put simply, anyone who calls or texts you unsolicited and claims to be from the IRS is a fraud. The IRS will never call, text or email you out of the blue. It will never ask you to wire cash or provide bank and credit card numbers. It will never call to threaten you with arrest or deportation.So, if you're contacted, don't give out any information about yourself. Just hang up.2. Phishing: Emails enticing you to click on a link and give up personal information (name, Social Security number, bank account numbers, etc.) are a scourge of daily life.This tax season the IRS is seeing a new twist on phishing: Unexpected deposits of tax refunds in your bank account.Criminals who've stolen your tax and banking information from elsewhere file a fraudulent tax return in your name and have the refund deposited in your account. They then will contact you by phone or email pretending to be from the IRS or a collection agency, claiming a refund was deposited erroneously in your account and ordering you to send it to them.In other email schemes, criminals may pose as your bank or other legitimate institution you know to get you to fork over your passwords, Social Security number and other valuable information.3. Tax return preparer fraud: Most tax preparers may be honest. But there are still many unscrupulous ones.One telltale sign of a fraudster: They base their fee on the size of your refund and encourage you to take tax breaks you're not entitled to or to under-report your income to inflate your refund.Another: They don't insist you give them records and receipts. Or they ask you to sign a blank return.Before giving any information to a new preparer, ask for an IRS Preparer Tax Identification Number. You can also search the IRS directory of credentialed preparers. If he says he's a CPA, check your State Board of Accountancy. Or for attorneys, check with your State Bar Association.Also, make sure he can e-file returns. Preparers who have more than 10 clients have to be able to do that.4. Falsely inflating refunds: Scam artists posing as tax preparers may file false information on your return all for the purpose of inflating your refund.They may report deductions, credits or exemptions you don't qualify for. Or they may try to report your taxable income as zero through the use of bogus forms.5. Falsely inflating income: Some fraudsters try to inflate your income — reporting wages or self-employment income you didn't earn — to qualify you for a refundable credit like the Earned Income Tax Credit.6. Falsely padding deductions: Some tax preparers may encourage you to overstate your deductions, such as charitable contributions, to get a larger refund or reduce what you owe.7. Improperly claiming business credits: If a tax preparer encourages you to take a business credit like the research and development tax credit or the fuel tax credit, make sure you're eligible first.Here's a break down of how to qualify..8. Making frivolous tax arguments: Did you know that the First Amendment lets you refuse to pay taxes on moral or religious grounds?Well, it doesn't.But anyone who tries to snooker you into believing that it does — or tries to sell you on other too-good-to-be-true ideas — is encouraging you to engage in frivolous tax arguments to lower your tax obligations.9. Abusive tax shelters: If someone tries to sell you on the idea of protecting your money from taxes through a complicated scheme, be wary. It could be an illegal tax shelter.The IRS this year is particularly attuned to so-called "micro-captive" insurance structures. While some are legitimate, there are cases where "promoters, accountants, or wealth planners persuade owners of closely-held entities to participate in schemes that lack many of the attributes of genuine insurance," the agency noted.Before signing on to any type of shelter: Ask the person trying to sell you the product whether she's collecting a referral fee from anyone, and get a second opinion about the set-up from a trusted, independent tax adviser.10. Fake charities: Groups asking for money that have names or websites very similar to well-known charities may be scams. To verify whether they're a qualified charity to which contributions are tax deductible, ask for the group's Employer Identification Number and enter it into the IRS Exempt Organizations Select Check.11. Hiding money offshore: There is nothing wrong with having money offshore so long as you report your foreign accounts to the IRS every year, and pay whatever US taxes are owed on them. But if anyone tries to sell you on an account in another country or non-US territory and promises your money will be protected from US taxes and IRS detection, that's likely an offshore tax cheating scheme.12. Identity theft: The good news is reports of tax-related identity theft have gone down. The bad news? It's still a big risk. Thieves armed with your Social Security number or Individual Taxpayer Identification Number can file a return in your name and claim your refund before you do.The best way to protect yourself is to be vigilant about not falling for the most prevalent tax scams listed here.And never give your personal information to untrustworthy sources.  5633

As September is NICU Awareness Month, parents of NICU babies are working to serve as a voice for families who are trying to navigate the overwhelming and often terrifying experience of watching your baby in a neonatal intensive care unit, especially during a pandemic.When Andi Petito was 21 weeks pregnant, she went in for a simple and common anatomy scan of her baby.“When she got really quiet and excused herself,” Petito said about a routine appointment. The technician who performed the ultrasound returned with the doctor who said there were some major problems, Petito was sent to the hospital where she would remain on bed rest until she went into labor. Petito gave birth to River at 24 weeks, weighing 1 pound, 7 ounces. River was transferred to the NICU.“They warn you it's a roller coaster and they try to prepare you but you’re not really prepared for the ups and downs,” Petito said.That roller coaster is how they describe the NICU.“Terrifying, stressful and, I mean, we lived on edge,” Petito said. “You almost feel paranoid because you’re so worried about her compromised immune system, comprised lungs. Kind of like we’re all living now, but no one else is joining you in it.”Neonatologist Dr. Melinda Elliott said no one expects, prepares or plans for a NICU stay.“Nobody plans to meet me, nobody plans to meet the doctor who specializes in sick babies,” Elliott said.She said parents should not focus on all of the machines and equipment that surround your newborn.“The best thing you can do is turn the other way and focus on your baby,” Elliott said. “Just look at your baby because that baby is your baby no matter how small or how sick. You’re the only parent that baby has.”Elliott said the pandemic has stripped the visitor policy. Usually, there's only one parent allowed in at a time. While that's hard for already stressed families to manage, she reminds parents to focus on the importance of nutrition and to continue to advocate for your baby.“Probably the biggest piece of advice is just ask questions, keep asking,” Elliott said. “If you don’t get an answer you like, ask again and find somebody else to ask. You deserve to understand what’s going on with your baby:”Now, after 129 days in the NICU, that once tiny little baby is 3 years old, and likes to discuss her favorite color, pink, and all things Paw Patrol. Petito said she got through the NICU by doing her own research, being her own advocate, fighting for what her baby needs and by being honest with herself.“It’s OK to fall apart sometimes,” Petito said. “Parenthood is not what you envision when your child is not able to come home with you and everything has been blown up and so it’s okay if you need to cry and fall apart and pick yourself back up and go to the NICU.”The Petitos have now given River a sibling. Fern is happy and healthy and didn't need the NICU. And while it was never an easy roller coaster ride, they say it made River the strongest little fighter they know. 2987

As the new school year approaches and kids get their supply lists, the summer smells of freshly mown grass and sunscreen fade away and are replaced with the scent of pencils, paper and books.But have no fear parents, tax-free weekends are back — and just in time for back-to-school shopping.Check out the chart below to find a list of participating states, what you can get tax free and when.*Infographic information from dealenews.comEditor’s note: This story is distributed to multiple E.W. Scripps Company news organizations, and information included may not apply to your state. 625

AURORA, Colo. -- An undercover investigation by Scripps station KMGH in Denver has revealed another unlicensed person practicing health care in defiance of multiple state cease and desist orders handed down by regulators. A February KMGH?revealed 28 people had received such cease and desist orders from state regulators, but the state did little to ensure they actually stopped, and most never faced criminal charges. One of those people was Alfredo Ruiz, also known as Alfredo Ruiz Rueda, who received cease and desist orders from the Colorado Medical Board in 2013 and again in 2017. A search of the state’s professional license database shows Ruiz does not hold any kind of license in Colorado. In the orders, the board said Ruiz used laser equipment only appropriate for licensed medical professionals, and ordered him to stop providing skin injections.State records show Ruiz previously operated clinics called CI Laser Clinic and Central Integral de Belleza y Salud in the Denver area.It appeared Ruiz closed his clinics after receiving each order, but KMGH recently called the number posted online for those clinics and discovered Ruiz had reopened his business at another location.A producer left a message and received a phone call back in Spanish and a text with the clinic’s new address. The producer made an appointment for a Botox treatment.  Outside of the clinic’s door, a sign is posted listing various skin care services, injections and laser treatments in Spanish along with Ruiz’s name. Two KMGH producers brought hidden cameras into the office to speak to Ruiz about Botox.  When asked if he was a doctor, Ruiz responded affirmatively multiple times. He said he had 12 years experience and estimated he sees 10 patients per day. He showed the producers needles he would use to administer Botox, and he estimated one 28-year-old producer would likely need extra treatment costing between 5-0. When confronted after the appointment by KMGH reporter Ryan Luby, Ruiz claimed he was a doctor in Mexico. He also pointed out the certificates -- not state licenses -- on his wall indicating he had completed laser training. Ruiz indicated he works under the supervision of two licensed doctors whose names were posted on the sign outside of his clinic. Neither doctor was present in the office. When KMGH reached one of the doctors by phone, he said he had not worked with Ruiz in years and was surprised to learn his name was posted at the office. The other doctor could not be reached.When KMGH returned to the office days after the initial confrontation, the sign bearing the names of the other two doctors had been removed from the door, but the sign with Ruiz’s name and the services he offers remained. State rules allow some unlicensed individuals to provide medical-aesthetic treatmentThe state does allow for some “medical-aesthetic services” including laser treatment and injections to be administered by unlicensed individuals under the close supervision of a licensed physician.The medical board’s rules for such agreements requires documentation of the arrangement be “available to the public at the site where the delegated medical services are performed.” Ruiz did not produce any such documentation nor was it readily visible in his office.The board’s rules also require that patients are fully informed of such arrangements and sign forms affirming they have been made aware they are receiving care from an unlicensed person. “When the delegating physician is not actively involved in the patient encounter, the disclosure shall include: the service the patient is receiving is a medical service; the delegatee of the service is not licensed by the state of Colorado or is acting beyond the scope of his or her Colorado license, certification or registration; the delegatee is providing the service pursuant to the delegated authority of a physician; and, the delegating physician is available personally to consult with them or provide appropriate evaluation or treatment in relation to the delegated medical services,” the rules say in part.KMGH’s undercover producers received no such information during their discussion with Ruiz about Botox treatments.   State regulators, police take actionThe Department of Regulatory Agencies (DORA) acted quickly upon learning from KMGH that Ruiz was still practicing. The state’s medical board convened an emergency meeting and the state obtained a temporary restraining order against Ruiz. The state also referred the case to law enforcement for potential criminal charges for the second time.In 2017, DORA alerted the Denver district attorney about Ruiz but the DA’s office did not pursue an investigation because his previous office was already closed.Aurora police are now investigating Ruiz’s latest clinic, which police say is now vacant. Attorney General subpoenas KMGH again The office of Colorado Attorney General Cynthia Coffman sent subpoenas to KMGH seeking its video and a producer’s testimony to present as evidence in court as it seeks a permanent injunction against Ruiz. That marked the second time the state has subpoenaed KMGH’s investigative materials as evidence in court to seek court orders against unlicensed individuals.Last month, a KMGH producer testified in court in response to a subpoena in injunctive proceedings against Randy Flynt, who claimed to be a clinical psychologist and kept his office open more than a year after the state issued three cease and desist orders against him. In that case, the attorney general’s office played a portion of KMGH’s undercover video in court and the judge granted the temporary injunction. Pueblo police have also issued a warrant for Flynt’s arrest.In the Ruiz case, an injunction hearing is set for April 23. DORA is making changes DORA said it is making numerous improvements to its process for handling unlicensed individuals in the wake of KMGH’s investigation – changes first ordered by Governor John Hickenlooper in the days after the initial stories aired.The changes include: 6166