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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 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

As September is NICU Awareness Month, parents of NICU babies are working to serve as a voice for families who are trying to navigate the overwhelming and often terrifying experience of watching your baby in a neonatal intensive care unit, especially during a pandemic.When Andi Petito was 21 weeks pregnant, she went in for a simple and common anatomy scan of her baby.“When she got really quiet and excused herself,” Petito said about a routine appointment. The technician who performed the ultrasound returned with the doctor who said there were some major problems, Petito was sent to the hospital where she would remain on bed rest until she went into labor. Petito gave birth to River at 24 weeks, weighing 1 pound, 7 ounces. River was transferred to the NICU.“They warn you it's a roller coaster and they try to prepare you but you’re not really prepared for the ups and downs,” Petito said.That roller coaster is how they describe the NICU.“Terrifying, stressful and, I mean, we lived on edge,” Petito said. “You almost feel paranoid because you’re so worried about her compromised immune system, comprised lungs. Kind of like we’re all living now, but no one else is joining you in it.”Neonatologist Dr. Melinda Elliott said no one expects, prepares or plans for a NICU stay.“Nobody plans to meet me, nobody plans to meet the doctor who specializes in sick babies,” Elliott said.She said parents should not focus on all of the machines and equipment that surround your newborn.“The best thing you can do is turn the other way and focus on your baby,” Elliott said. “Just look at your baby because that baby is your baby no matter how small or how sick. You’re the only parent that baby has.”Elliott said the pandemic has stripped the visitor policy. Usually, there's only one parent allowed in at a time. While that's hard for already stressed families to manage, she reminds parents to focus on the importance of nutrition and to continue to advocate for your baby.“Probably the biggest piece of advice is just ask questions, keep asking,” Elliott said. “If you don’t get an answer you like, ask again and find somebody else to ask. You deserve to understand what’s going on with your baby:”Now, after 129 days in the NICU, that once tiny little baby is 3 years old, and likes to discuss her favorite color, pink, and all things Paw Patrol. Petito said she got through the NICU by doing her own research, being her own advocate, fighting for what her baby needs and by being honest with herself.“It’s OK to fall apart sometimes,” Petito said. “Parenthood is not what you envision when your child is not able to come home with you and everything has been blown up and so it’s okay if you need to cry and fall apart and pick yourself back up and go to the NICU.”The Petitos have now given River a sibling. Fern is happy and healthy and didn't need the NICU. And while it was never an easy roller coaster ride, they say it made River the strongest little fighter they know. 2987

At least one person in southwestern Kentucky was killed Saturday night when severe thunderstorms blew through the state, the Logan County Sheriff's Department said.A 79-year-old woman died in her home, the agency said.The county's emergency management office said some structures, including barns and grain bins, were damaged.Robertson County, on the other side of the border with Tennessee, also had reports of damage.The National Weather Service has issued a tornado watch for parts of Arkansas, Illinois, Kentucky, Mississippi, Missouri and Tennessee until 9 p.m. CT (10 p.m. ET). 591

As vaccinations get underway in the United Kingdom, United States and other rich countries who could afford to pre-purchase doses of the COVID-19 vaccines, researchers warn that about a quarter of the world’s population will be unable to be vaccinated until 2022.There are 13 vaccine manufacturers working on coronavirus vaccines, and they are capable of producing around 6 billion courses of vaccine by the end of 2021.“Just over half (51%) of these doses will go to high income countries, which represent 14% of the world’s population,” researchers from the Johns Hopkins Bloomberg School of Public Health wrote in their report, published in the British Medical Journal."Of the 13 manufacturers, only six have sold to low and middle-income countries,” they noted.At the time of the report, the U.S. had reserved 800 million doses of the vaccine. Japan and Australia, which account for fewer than 1% of the world’s COVID-19 cases, have reserved and potential options to get 1 billion doses.“Even if all 13 of these vaccine manufacturers were to succeed in reaching their maximum production capacity, at least a fifth of the world’s population would not have access to vaccines until 2022,” researchers noted.Covax, a global effort organized by the World Health Organization, had made initial purchases of 300 million vaccine doses. Covax is working to create equitable access to COVID-19 tests, treatments and vaccines for all countries. President Donald Trump’s administration said they would not participate in the effort."This study provides an overview of how high-income countries have secured future supplies of COVID-19 vaccines, but that access for the rest of the world is uncertain," the researchers concluded. "Governments and manufacturers might provide much-needed assurances for the equitable allocation of COVID-19 vaccines through greater transparency and accountability over these arrangements." 1921