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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 of Tuesday, Petco says they no longer sell electronic "shock" collars and have removed them from its shelves and website.The company said they stopped selling the human- and bark-activated electronic pet collars in a press release on Tuesday because they wanted to strengthen their commitment to positive reinforcement training methods. They also wanted to solidify their evolution from "a leading pet specialty retailer to a category-defining health and wellness partner" for animals and their owners."Electricity may be critical to powering your microwave, but it has no role for the average pet parent training their dog," said Petco CEO Ron Coughlin in the press release. "Shock collars have been shown to increase fear, anxiety, and stress in dogs, and we believe there's a better way – Positive Reinforcement Training."The San Diego-based company is also calling on the pet industry and consumers to join in its newly launched "Stop the Shock" online campaign that will create "responsible regulation for the retail sale of shock collars to general consumers."Along with today's announcement, Petco also launched a new look declaring itself "Petco, The Health + Wellness Co." to reflect how they've evolved into a health and wellness company."As a health and wellness company, our mission is focused on improving pet lives, and we think selling shock collars does the opposite," Coughlin said in the news release. "It's our responsibility to ensure that we, and others, aren't putting potentially harmful products in the wrong hands." 1551

Asked @MarkMeadows if he had information about positive cases in the White House today: pic.twitter.com/WZRZdEsEuT— Raquel Kr?henbühl (@Rkrahenbuhl) September 16, 2020 175

As the Summer of COVID draws to a close, many experts fear an even bleaker fall and suggest that American families should start planning for Thanksgiving by Zoom.Because of the many uncertainties, public health scientists say it’s easier to forecast the weather on Thanksgiving Day than to predict how the U.S. coronavirus crisis will play out this autumn. But school reopenings, holiday travel and more indoor activity because of colder weather could all separately increase transmission of the virus and combine in ways that could multiply the threat, they say.Here’s one way it could go: As more schools open for in-person instruction and more college students return to campuses, small clusters of cases could widen into outbreaks in late September. Public fatigue over mask rules and other restrictions could stymie efforts to slow these infections.A few weeks later, widening outbreaks could start to strain hospitals. If a bad flu season peaks in October, as happened in 2009, the pressure on the health care system could result in higher daily death tolls from the coronavirus. Dr. Robert Redfield, director of the Centers for Disease Control and Prevention, has said that scenario is his biggest fear.One certainty is that the virus will still be around, said Jarad Niemi, a disease-modeling expert at Iowa State University.“We will not have a vaccine yet and we will not have enough infected individuals for herd immunity to be helpful,” Niemi said.Fall may feel like a roller coaster of stop-and-start restrictions, as communities react to climbing hospital cases, said University of Texas disease modeler Lauren Ancel Meyers. Everyone should get a flu shot, she said, because if flu spreads widely, hospitals will begin to buckle and “that will compound the threat of COVID.”“The decisions we make today will fundamentally impact the safety and feasibility of what we can do next month and by Thanksgiving,” Meyers said.The virus is blamed for over 180,000 deaths and 6 million confirmed infections in the U.S. Worldwide, the death toll is put at almost 850,000, with over 25 million cases.The U.S. is recording on average about 900 deaths a day from COVID-19, and newly confirmed infections per day are running at about 42,000, down from their peak in mid-July, when cases were topping out at over 70,000.Around the country, a chicken processing plant in California will close this week for deep cleaning after nearly 400 workers got sick, including eight who died. And college campuses have been hit by outbreaks involving hundreds of students, blamed in some cases on too much partying. Schools including the University of North Carolina, Michigan State and Notre Dame have moved instruction online because of clusters on their campuses.Several vaccines are in advanced testing, and researchers hope to have results later this year. But even if a vaccine is declared safe and effective by year’s end, as some expect, there won’t be enough for everyone who wants it right away.Several companies are developing rapid, at-home tests, which conceivably could be used by families before a Thanksgiving gathering, but none has yet won approval.More than 90 million adults are over 65 or have health problems, putting them in higher danger of severe consequences if they get sick with the coronavirus. Many of them and their families are starting to decide whether to book holiday flights.Cassie Docking, 44, an urgent care nurse in Seattle, is telling her parents — both cancer survivors — that Thanksgiving will be by FaceTime only.“We all want to get to 2021,” she said, “and if that’s what it takes, that’s what we’ll do.”Caitlin Joyce’s family is forging ahead with a holiday feast. They plan to set up plywood tables on sawhorses in a large garage so they can sit 6 feet apart.“We’ll be in our coats and our sweaters,” said Joyce, 30, of Edmonds, Washington, who plans to travel to her grandparents’ home in Virginia. “It will be almost like camping.”One widely cited disease model projects 2,086 U.S. deaths per day by Thanksgiving, more than double compared with today.“In our family we will not have our extended family get-together. We will stick to the nuclear family,” said Dr. Christopher Murray of the Institute for Health Metrics and Evaluation, one of the few models making a prediction for November.Uncertainty is huge in Murray’s model: Daily deaths could be as low as 1,500 by Thanksgiving or as high as 3,100. In a more optimistic scenario, daily deaths could range from 510 to 1,200 if nearly everyone wears masks. A more pessimistic scenario? From 2,700 to 6,500 daily deaths if social distancing rules continue to be lifted and are not reimposed.With all the uncertainty, most disease modelers aren’t looking that far ahead — at least officially.Jeffrey Shaman, a public health expert at Columbia University, thinks the virus will spread more easily as the weather forces people indoors: “But what level of a bump? That’s hard to say.”At Carnegie Mellon University in Pittsburgh, computer scientist Roni Rosenfeld’s team uses machine learning to project COVID-19 deaths. The team’s computer algorithm learns from patterns it finds in state and county data to improve its forecasts.A five-time winner of a CDC competition for predicting flu season activity, Rosenfeld thinks his model’s COVID-19 projections aren’t very useful beyond four weeks because of the wild card of human behavior, including that of government officials.“What happens very much depends on us,” he said. “People, myself included, don’t always behave rationally.” Presented with the same facts, “the same person might behave differently depending on how sick and tired they are of the situation.”Like other disease modelers, Rosenfeld said the virus will still be with us at Thanksgiving, readily spreading at family gatherings. While his plans may yet change, he said he is going to travel with his wife to visit their adult children. They will wear masks and keep a safe distance during the visit.___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 6201

Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

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