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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 the debate about mask mandates continues in some states, a new study reportedly shows social distancing is just as important to reduce the spread of COVID-19. The study looked at the effectiveness of face coverings when someone coughs repeatedly, coughing is one of the symptoms of COVID-19.The study was published in a June issue of “Physics of Fluid”, by AIP Publishing, and was conducted by Talib Dbouk and Dimitris Drikakis from the University of Nicosia in Cyprus.The researchers used computer modeling to show the range of saliva droplets when people cough. Previous work from this group showed saliva can travel about 18 feet when a person coughs and is not wearing a mask or covering their mouth.This new study built on that research to add in the variables of face coverings and repeated coughing. They used information available about filters used in surgical masks. 887

ATLANTA — President-elect Joe Biden is thanking Georgia voters for delivering him the state in last month’s election and asking them to follow up by electing Democratic Senate candidates Jon Ossoff and Raphael Warnock.Biden traveled to Atlanta for a post-election rally Tuesday to help the Democrats looking to knock off incumbent Republican Sens. Kelly Loeffler and David Perdue in Jan. 5 runoffs. It's the president-elect’s second foray outside the Wilmington, Delaware, area since last month’s election.Biden is the first Democratic presidential candidate to win Georgia since 1992. He'll return to the state Tuesday to campaign alongside Jon Ossoff and Raphael Warnock ahead of the Jan. 5 runoff elections that will determine Senate control.As it stands, the Republicans hold a 50-48 majority in the upper chamber. But if both Ossoff and Warnock win their January runoff elections, Democrats would take control of the Senate by virtue of vice president-elect Kamala Harris' tiebreak vote.WATCH RECAP:A day after the Electoral College affirmed his victory, Biden used his remarks to call for unity. But he also made the case that he badly needed “doers and not roadblocks" once he takes office next month.“We can get so much done, so much that can make the lives of the people of Georgia and the whole country so much better,” Biden said. “And we need senators who are willing to do it, for God’s sake.”If the Democrats win both Georgia runoffs, Biden would enter office with Democratic control of both chambers of Congress, giving him far more leverage to push his agenda.“Are you ready to vote for two United States senators who know how to say the word ‘yes’ and not just ‘no’?” Biden said at the drive-in rally.According to the Associated Press, Warnock and Ossoff could benefit from riding Biden's coattails. Biden finished with more votes than any candidate during the 2020 election — but Ossoff ran about 88,000 votes behind President Donald Trump and about 100,000 votes behind Biden.Trump campaigned for Republican candidates, Sen. Kelly Loeffler and Sen. David Perdue, earlier this month. 2109

his Veteran's Day, its latest mission is on social media through the hashtag "Honor Through Action" campaign alongside USAA. The way it works is simple. Draw a V on the palm of your hand, feature initials of a special veteran whom you'd like to honor, and share it on social media.Bruggeman displayed the people she's honoring through a V and initials on her hand.“BB is 2 people, Brian Bruggeman and Brad Bruggeman, who was a Vietnam veteran,” Bruggeman said. “I’ve got PH, a classmate from the naval academy who was laid to rest yesterday. He was a tremendous man, wonderful friend and classmate, and my husband's best friend who was killed in a helicopter crash who we continue to honor today and every day.”“We were created in 1922 by a group of 25 Army officers who couldn’t get anybody to insure them so they insured themselves and that model still is how we were organized today,” Mike Kelly, assistant vice president of Military Affairs for USAA, said. “We are a member-owned association. We were formed by the military we serve the military with insurance, banking and life insurance products.”Kelly says there are 18 million military veterans in the United States who have served. He also served 25 years in the Air Force and says Honor Through Action is about togetherness during a time when we need it most.“I hope people gain a greater appreciation for the service and sacrifice that our military members and our families make for this nation. We’re not really looking for anything other than connecting America to the veteran community,” Kelly said.Kelly added the campaign will “bring some positivity back to the nation, take our eyes of the political storm that’s happening and the COVID response and really recognizes those who have served our country.”It's sharing a meaningful symbol to pay tribute to those whose mission continues, even off the battlefield.“This group of veterans needs something very different,” Bruggeman said. “They want to feel connected but they want to do it through action; they want to do it through service. The way they feel, they need to connect isn’t the same as what it was when way our parents and grandparents came home from war.”Both organizations urge you to share your Honor Through Action this Veterans Day. Though the hashtag may seem simple, the meaning and the mission is everything. 3514

As the nation mourns the passing of Sen. John McCain, Arizona Republicans are holding a Senate primary Tuesday in which one of the candidates suggested the announcement that McCain was stopping medical treatment was timed to hurt her campaign.Kelli Ward, a former state senator who has courted the far-right during her campaign, suggested on Facebook Saturday that McCain's family released its statement saying the senator was ending medical treatment for brain cancer was timed to hurt her chances of winning Tuesday's primary.Ward staffer Jonathan Williams posted that he wondered whether McCain's statement was released "to take media attention off" Ward's campaign, which was beginning a statewide bus tour. "I'm not saying it was on purpose but it's quite interesting," Williams wrote."I think they wanted to have a particular narrative that they hope is negative to me," Ward responded, according to a screenshot posted by the The Arizona Republic.The news broke that McCain had died hours after Ward's comment. Ward's campaign did not respond to a request for comment on the Facebook post.On Monday, less than two days after McCain died of brain cancer, Ward tweeted, "Political correctness is like a cancer!"The attacks and insensitive remarks about McCain are just the latest in a heated primary race that has seen all three candidates align themselves with President Donald Trump, who attacked McCain relentlessly for three years, rather than McCain or retiring Sen. Jeff Flake, whose seat they are seeking to fill.Their decisions show how the path McCain cut through the Trump era -- breaking with the President on foreign policy, health care, immigration and more -- complicated his relationship with diehard Republicans in a state where the GOP electorate is now demanding fealty to Trump.Ward faces Rep. Martha McSally and former Maricopa County Sheriff Joe Arpaio in Tuesday's primary for Arizona's other Senate seat. McSally is seen as the strongest general election candidate to face likely Democratic nominee, Rep. Kyrsten Sinema.McCain fended off Ward's challenge in a 2014 primary. Since then, she's made a series of insensitive comments as McCain battled brain cancer.She called on McCain to step down last year, calling him old and near "the end of life" before his diagnosis and said afterward he should resign "as quickly as possible."Ward closed the race barnstorming the state on a bus tour with right-wing media personalities Mike Cernovich and Tomi Lahren, as well as Rep. Paul Gosar."Are we going to elect another senator cut from the same cloth as Jeff Flake and John McCain?" Ward asked the crowd at a campaign event Friday, eliciting shouts of "No!"After McCain's death, Ward tweeted: "We are saddened to hear of the passing of @SenJohnMcCain. His decades of service will not be forgotten by the men & women of Arizona. May God grant the McCain family comfort and peace during this difficult time."McSally, the Republican establishment's preference in the race, has mostly remained silent on McCain during the primary.But McSally's omission of McCain's name when touting her support for the National Defense Authorization Act, which was named in McCain's honor, when McSally joined Trump at a signing ceremony at Fort Drum in New York, angered McCain's daughter Meghan McCain.McSally's "inability to even mention my father's name when discussing the bill named in his honor is disgraceful (just as it was with Trump)," Meghan McCain tweeted. "I had such higher hopes for the next generation of leadership in my home state."Throughout the campaign, McSally has sought to avoid any distance between herself and Trump.On Thursday, McSally sought to dodge last-minute controversy that could undercut her primary campaign, repeatedly avoiding reporters' questions about whether she considers Trump honest and trustworthy. The questions came after Trump attorney Michael Cohen's guilty plea and claim that Trump knew about hush payments to alleged mistresses during the 2016 campaign. McSally refused to address Trump, saying only that Cohen was "all over the map, contradicting himself, lying in order to save his ass."After McCain's passing, McSally tweeted, "John McCain was one of Arizona's greatest Senators, one of our country's finest statesmen, and an American hero who risked his life to defend this great nation. He loved this state, and he loved this country."I pray that God comforts Cindy and the entire McCain family. My heart is with them, and Arizona grieves with them."Arpaio, who was pardoned by Trump last year after being convicted of criminal contempt related to his hardline immigration tactics, complained in a since-deleted tweet on Friday that Cindy McCain had blocked him on Twitter."I tweeted out my thoughts & prayers for" McCain, his campaign account tweeted, and Cindy "BLOCKS me on twitter?"Arpaio tagged Trump and several news outlets in the tweet.The-CNN-Wire 4934