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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

AVALON, Calif. (AP) — The nonprofit organization that owns a majority of California’s Santa Catalina Island plans to boost eco-tourism by adding more bison to existing herds, recharging a debate over their environmental impacts. The Los Angeles Times reports the Catalina Island Conservancy says there has not been a bison calf born on the island in seven years and the herd size has dwindled to 100. The conservancy board is working to bring two pregnant bison to the island. A biologist says bison herds stay on isolated patches of grass and adding more animals will not result in more bison sightings by eco-tourists. 628

As millions of Americans have been without work amid the pandemic, nearly 12 million people will lose unemployment benefits on December 26, according to the Century Foundation.The Century Foundation estimates that 7.3 million Americans will exhaust benefits from the Pandemic Unemployment Assistance program. The federal program extended unemployment benefits for millions of Americans who otherwise would not have received state unemployment benefits.According to the Century Foundation, 4.6 million Americans will lose benefits through the Pandemic Emergency Unemployment Compensation program on December 26. This fund extended state unemployment benefits for an additional 13 weeks. The 4.6 million Americans is in addition to the 3.5 million workers who will have lost PEUC benefits by then.“Congress has stared down major expirations of jobless benefits multiple times during the Great Recession and previous economic cycles,” the Century Foundation said. “Policy makers have been more comfortable with enacting temporary extended benefits programs with more predictable costs rather than improving the automatic stabilizers in (extended benefits) EB."While millions of Americans are set to lose benefits, there remains ongoing debate on Capitol Hill to provide some form of economic stimulus. There have been various proposals that would offer extended benefits, but the House, Senate and White House have struggled to find any sort of agreement.“With the stakes of the benefit cutoff perhaps higher than they have ever been before, there also seems to be a grave danger that unemployed Americans could be left behind during a lame duck session taking place in the overhang of a contested presidential election,” the Century Foundation said. “But the numbers—and families behind them—leave no excuses for inaction.” 1829

As millions of Americans have suddenly found themselves out of work due to the economic fallout from the novel coronavirus, many are also losing their health and dental insurance, creating what some doctors are calling a public health crisis.At Interfaith Dental in Nashville, Tennessee, patients Anna Eubanks waits patiently to have a new set of dentures fitted. The 68-year-old woman is one of an estimated 37 million people in the United States who does not have dental insurance."You think about it a lot, and just hope nothing ever goes wrong," she said while sitting in an exam chair with her mask on.Without insurance, a routine trip to the dentist would likely cost Eubanks hundreds of dollars, which is money she doesn't have. That is why she and her husband have turned to this non-profit dental clinic for help.Dr. Rhonda Switzer-Nadasi oversees Interfaith Dental, which is largely made up of dentists who volunteer their time so that people like Eubanks can get dental care at little or no cost. It’s a need more critical now than ever."There’s new groups of people that they were making it before and were right on that edge and are now struggling," Dr. Switzer-Nadasi explained.Since February, an estimated 12 million Americans have lost their healthcare coverage. Most lost their insurance when they lost their job.But the number of people without dental coverage is typically four or five times higher than the number of people without health insurance. This clinic that typically sees about 3,000 patients a year has seen call volume increase 20 percent."We are seeing a big increased need where people are suffering from job loss, where they may have had three jobs and they’re now down to one, or one down to none," she added.Nationwide, there's also a backlog for dental care. In this office alone, they were canceling 1,000 appointments a month during the shutdown. It’s something that worries Dr. Switzer-Nadasi during COVID-19, since most dentists are also checking a patient’s overall health. She's also seeing more patients put off emergency dental care because they're worried about cost."People that come see us don’t just need a check-up and cleaning,” she explained. “Most of the time, they’ve reached the end of their rope and what they need is critical.”But for now, this clinic and others like it across the country are doing their best to help whoever they can and preserve as many smiles as possible. 2442

BALTIMORE — Scammers are using the COVID-19 pandemic and financial crisis to take advantage of unemployed workers.Like millions of others, Daniel Martin recently lost his job, but he caught a break with a new company.“I was really excited. It sounded like a really good position with a lot of possibilities of growth within the company. It just seemed like something I was looking for,” said Martin.He received a contract and was assigned a project. The company, Gap Systems LLC, was moving their offices to Baltimore and needed him to procure new equipment. Since he wasn’t full-time just yet, he’d have to purchase the laptops with his credit card and the company would reimburse him.“The next two weeks, I completed a total of three purchase orders and all of the payments were posting perfectly fine,” Martin said.A few weeks later, the charges suddenly reversed and Martin’s credit card balance exceeded ,000.After speaking with a bank representative, he learned the account owner had reported the charges as fraudulent.“They probably in some other way scammed someone else to get their account and routing number and then they gave me that information to pay my credit card,” said Martin.Martin feels he should’ve known better, but his excitement clouded his judgment. And this is happening to job hunters around the country. According to the Federal Trade Commission, consumers reported losing 0 million to these scams in the first nine months of 2020.This week, the FTC along with 19 federal, state, and local law enforcement partners, announced a crackdown on scams targeting consumers with fake promises of income and financial independence.More than 50 enforcement actions were taken against operators of work-from-home and employment scams, pyramid schemes, investment scams, bogus coaching courses, and other schemes.“If at any point during any part of the process they ask you to buy anything, just don’t,” said Martin.Especially with checks. It’ll likely bounce then you’re on the hook for that money.And if someone contacts you about a j