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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

ATTICA, NY -- She has a vision for design and spent the last two months renovating her own camper-turned-tiny home called Camp Hygge. Her name is Lauren Nelson and she's 11 years old."I love this, I love renovating. I was very motivated with this camper, I really wanted a place where I could hang out . . . like my own house," said Nelson. Inside Lauren's renovated camper It all started when Lauren was flipping through the pages of an American Girl Doll magazine."She showed us a 0 little VW bus that they sell, my husband was like 'that's ridiculous, you could buy your own camper for that price,'" said Aimee Nelson, her mother.So she did just that. She saved up some money and started looking for her camper. A neighbor just down the street had one that piqued her interest. Lauren renovated the camper with help from family and friends "And then one day, up popped a for sale sign and she squealed the whole way home," said her mother.She then started negotiating. She had saved up 0 between the money she would have used to go to 4-H camp and some that she raised at garage sales."It wasn't very hard. He said 0 and I said 0 because that was the money I had in my bank account and he said sold," said Nelson.Then it was time to renovate, which wasn't easy. There was a lot of deep cleaning and they even found a family of mice, but that didn't stop her. The renovation only cost her around 0, her mother says she was frugal when shopping with a vision for her Beachy Boho-themed camper."She has three envelopes that she puts her money in, give save and spend and I think she made a really good choice. She now says she's part of the tiny home nation."Lauren was inspired by HGTV's Tiny House Hunters. She researched on Pinterest and got the name, Camp Hygge, from a Simplisafe TV commercial."It means very comfortable and safe. It has its own kitchen and bathroom," said Nelson. Lauren spends 5 days a week in her new camper Now she spends five days a week in her camper. She was able to turn her summer around and hopes to inspire others to do the same. Aimee says they've already received messages from others who have done the same thing after hearing about Camp Hygge."If you're looking to have some big plans in the future, you should go out and do it. Make it happen," said Nelson.Lauren hopes to have a career in home renovation or forensic science, maybe both, she says. This story was first reported by Taylor Epps at WKBW in Buffalo, New York. 2608

At least 105 people are dead after an earthquake rocked the Indonesian island of Lombok over the weekend, state media reported Tuesday.Another 236 people have been injured in the quake, according to the government's disaster management spokesman Sutopo Purwo Nugroho, who told the Antara News Agency that the casualty numbers could rise as the search continued for survivors.More than 20,000 people have been displaced since the 6.9-magnitude quake struck Lombok, a popular tourist destination, on Sunday night.The epicenter of the earthquake was in northern Lombok, a more residential and less developed part of the island. Most of the tourist resorts are located on the southern side of the island.Most of those killed were struck by falling debris from collapsed buildings, according to Nugroho. Among the many buildings destroyed on Lombok were two homes which housed around 80 underprivileged children. 915

ATLANTA, Ga. -- Musicians across the country performed for voters to bring unity and hope in a divisive time."Music is therapeutic," said professional saxophonist Christopher King. "It's like that one time that we can all come together whether we're Democrat or Republican."After months of divisive politics, King and other musicians came together through Play For The Vote. Their mission: lift worries and burdens from voters' shoulders and create a different feeling at the polls this Election Day."With everything we've been through since the beginning of this year, you can turn a negative into a positive," said King of this moment in history.Poll workers across Atlanta expected crowds of voters lined up around the building, but the day was quiet. The average wait was under five minutes. For musicians Ally Jenkins and Brian Raddock, performing on Election Day, even to a small crowd, was a moment of triumph, especially in a time where their life’s work has been slipping through their fingers."It's been a nightmare," said Jenkins, a violinist. "Everything was canceled within like three days of each other, and this is tens of thousands of dollars of income and also our purpose for living."Her longtime friend and fellow musician, Brian Raddock, feels her pain. "Devastating is putting it lightly, and in a lot of ways, and it's just because we're both freelancers. It's really show to show," he said.These two have played on Broadway and across New York City until COVID-19 shut their livelihoods down."I feel the most alive when I'm playing music, and to not have that with other people, it's it just kind of makes you feel a little bit lost when you're having to do it by yourself," said Raddock.But Election Day brought back a glimpse of normalcy. "To see some people smile while we're playing music and to use art to really help bring some more beauty into the world, I can't really even describe what it means. It's just wonderful," said Raddock.Their audience, mostly poll workers, agreed. "It was fun. It lifted your spirits to hear them. They're so talented, they're so good, and then to hear their plight, that's just something you hadn't even thought about," said Pattie Harris, an election volunteer.Thousands of musicians across the country are experiencing the same struggle. That’s why so many came together for Play for the Vote. Hundreds of artists volunteered across 48 states to play for voters, but also to start a movement lasting far beyond this year’s election."Music is the one universal language. There's just really a power of connection, that we can communicate, yet not know each other. I just hope that they walk away with a reminder that art and music is something that is a connector between all of us through all of our differences," said Raddock.A connection needing just one smile, just one look for these musicians to know: their life’s work is worth the fight.If you'd like to help support musicians struggling during the pandemic, you can help through Play for the Vote or through the Music Workers Alliance. 3066

As the debate over voting by mail continues, President Donald Trump told a North Carolina news outlet that voters should test election safeguards by voting both in person and via mail, something which could cause voters legal issues.Trump has expressed doubt in mail-in voting during the 2020 election cycle, claiming that mail-in voting is prone to fraud. But many states, some of which are led by Republicans, are ramping up mail-in voting efforts. Proponents of mail-in voting say that it is a safer alternative than in-person voting given the coronavirus pandemic.The president, speaking to a reporter from WECT, said he wanted voters to test the state’s safeguards.“So let them send it in and let them go vote, and if their system’s as good as they say it is, then obviously they won’t be able to vote,” Trump told WECT. “If it isn’t tabulated, they’ll be able to vote. So that’s the way it is. And that’s what they should do.”In North Carolina, it is a Class I felony to vote twice. The National Conference of State Legislatures has a list of laws pertaining to “double voting” on its website. Voting twice in an election is illegal across the US.Meanwhile on Wednesday, US Attorney General William Barr said that voting by mail is “playing with fire.”“We're a very closely divided country here,” Barr told CNN’s Wolf Blitzer. “And if people have to have confidence in the results of the election and the legitimacy of the government and people trying to change the rules to this, to this methodology, which as a matter of logic is very open to fraud and coercion, is reckless and dangerous. And the people are playing with fire."While there is scant evidence of widespread voting fraud in past elections, there are questions on the US Postal Service’s ability to return ballots in time to be tabulated.In Florida, Volusia County Elections said more than 1,000 ballots that should have been counted for last month’s primary did not arrive on time. There were 1,281 ballots postmarked the day before Election Day, but election officials received them too late to be counted.The USPS has experienced some service disruptions as some sorting machines have been removed from some post offices. While this had an impact on last month’s primary, the USPS slowdown has also caused slowdowns for essential items such as medicines and paychecks. 2350

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