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AUSTIN, Texas (AP) — Texas and six other states are suing to end once and for all a program that would protect some young immigrants from deportation.The lawsuit announced Tuesday comes a week after a federal judge in Washington ordered the Trump administration to resume the Deferred Action for Childhood Arrivals program.Immigrants under the Obama-era program are commonly referred to as "Dreamers." Republican Texas Attorney General Ken Paxton had threatened legal action for the past year if the program didn't come to a halt.Joining Texas in the lawsuit are Alabama, Arkansas, Louisiana, Nebraska, South Carolina and West Virginia.A federal judge in Washington called the Department of Homeland Security's rationale against the program "arbitrary and capricious." He gave the Trump administration 90 days to make a new case. 837
Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

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 states begin to reopen, a new stage in the pandemic means elective surgeries are back on schedule.For 51-year-old mother of two Honaire Murillo, the pandemic delayed a much needed spinal surgery.“The shooting pains all the time and you know I had kids I have to run around. And so, it took about a year and I was so disappointed,” says Murillo.Twenty-four years ago, the aspiring pro-bodybuilder’s dreams were cut short when she was hit by a motorboat while visiting Puerto Rico on business.More than 20 surgeries later, Murillo needed another one.“The pain started coming back and so I knew I was going to have more surgery,” she says.Last week, doctors at Rush University Medical Center’s Midwest Orthopaedics in Chicago were able to get Murillo into surgery for a first-of-its-kind procedure.It was a minimally invasive spine surgery that utilized augmented reality.“The efficiency this provides because of the accuracy and the visualization of the spine is remarkable,” says Dr. Frank Phillips, the director and minimally invasive spinal surgeon at Rush who performed the procedure.A headset guidance system allowed Dr. Phillips to see Murillo’s spinal anatomy – essentially giving him X-ray vision.“That's exactly what it is,” says Dr. Phillips. “It really is X-ray vision. Except it's not just X-ray vision, you're actually seeing the real spine through the skin.”The CT scanned images are directly projected onto the surgeon’s retina and then superimposed right on top of the patient’s surgical area.“I was just blown away,” says Dr. Phillips. “The minute I put my headset on and looked down at the spine it was like that wow moment. I was like ‘this is crazy.’”Researchers say the FDA-cleared x-vision system could revolutionize the way surgeons perform complex procedures.“It's so accurate so precise the visualization so good you can do the surgery more efficiently which obviously translates into less anesthetic time and advantages to the patient,” says Phillips.For Murillo, who eventually went pro 15 years after her accident, this latest groundbreaking surgery has her thinking about another return to competition.“I'm still looking to see if I could comeback one more time. I'm not sure. But, yeah to me it's a dream.”Augmedics, the maker of the technology says it plans to explore the x-ray vision technology beyond just spinal surgery. 2365
Attorney General Jeff Sessions ordered a review Friday into how the Justice Department and FBI respond to indications of potential violence after the bureau said it failed to act on a tip about the shooter in the Parkland, Florida, school massacre.A person close to Nikolas Cruz, the confessed shooter, contacted the FBI on January 5 to report concerns about him, the FBI said in a statement Friday. But the bureau did not appropriately follow established protocols in following up on the tip."The information was not provided to the Miami Field Office, and no further investigation was conducted at that time," the statement said.The stunning admission -- which prompted Florida Gov. Rick Scott to call on FBI Director Christopher Wray to resign -- is sure to raise further questions about whether the FBI could have prevented the shooting at Marjory Stoneman Douglas High School, which left 17 dead. 915
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