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Tax season — and tax refunds — can be a financial lifeline for many Americans. But the season can pose challenges for those who owe money to the IRS.Over 18 million Americans owed taxes in September 2014, according to the most recent data from the IRS. Meanwhile, an estimated 10 million face tax penalties each year, the IRS found.Here are three tips to help you handle your tax debt to lessen penalties and properly resolve your obligation.1. Act now 460

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

TAMPA, Fla. — Within one month, someone splashed four cars with an acid-like liquid in busy Tampa parking lots.Deputies are not sure if the incidents are related. The most recent happened in a shared parking lot near the AMC Veterans movie theater and Starbucks off Anderson Road.The scenario is the same in all of these situations. Some sort of corrosive liquid is poured onto the doors of the cars which damages paint, metal and plastic on the car.Two panels on Gary Schaff’s 2015 white Mercedes had to be repainted. He was parked in the lot off Anderson Road two nights in a row as he and his family caught up on the latest Marvel movies at AMC."When we came out to the car which was a little bit of a walk away from the theater, it looked as if there was almost shaving cream or foam on the side of the car,” Schaff said. "We're like, what is that?”As his family got closer, they realized the white paint had bubbled up. By the time they got home a lot of it had flaked off and exposed the metal underneath. "I don't even know what I would say to someone who thinks it’s a good idea to do something like that,” Schaff said. "What does it accomplish exactly?"Hillsborough County deputies say a 2007 BMW was vandalized the same way in a Publix parking lot off N. Dale Mabry on April 11 and a 2017 Porsche SUV was damaged by a corrosive liquid in the Heath Integrated parking lot on April 23. All three attacked occurred within a few miles of each other. The Tampa Police Department responded to a 2011 Audi with similar damage at International Mall on April 15."It's just to me a completely random thing, and it's really hard to prevent,” Schaff said. "Have insurance on your car."While Schaff must pay a 0 deductible, his insurance company will cover the rest of the amount needed to repair the damage.He asked the movie theater about security cameras but believe the ones on the building catch the area of the parking lot his car was in."I hope the person gets caught, and brought to whatever justice there would be from this and learns a lesson not to do this,” said Schaff.Scripps station WFTS in Tampa reached out to the property owners of this parking lot to see what type of security they have and is waiting to get an official response. 2387

Thanks to an iconic pop music superstar, the world's loneliest elephant has a new home and on Monday started his new life at an elephant sanctuary.According to the Los Angeles Times, Cher was first alerted to Kaavan in 2016, who was living in dire conditions at a zoo in Pakistan on Twitter.USA Today reported Kaavan - now 36 - was gifted to Pakistan by the Sri Lankan government when he was 1 in 1985 and lost his only elephant companion Saheli in 2012.According to Cher's charity, Free the Wild, in July, a Pakistani High Court decided to relocate Kaavan to a different sanctuary, and the Marghazar Zoo was closed. The Islamabad Wildlife Management Board then determined that Kaavan be moved to an elephant sanctuary in Cambodia.On Monday, through the Eric S. Margolis Foundation, who donated the Kaavan’s flight, the elephant was transported from Pakistan to Cambodia. According to the animal welfare organization, Four Paws, the flight went smoothly, and Kaavan even slept during the trip. 1001

TAMPA, Fla. — Within one month, someone splashed four cars with an acid-like liquid in busy Tampa parking lots.Deputies are not sure if the incidents are related. The most recent happened in a shared parking lot near the AMC Veterans movie theater and Starbucks off Anderson Road.The scenario is the same in all of these situations. Some sort of corrosive liquid is poured onto the doors of the cars which damages paint, metal and plastic on the car.Two panels on Gary Schaff’s 2015 white Mercedes had to be repainted. He was parked in the lot off Anderson Road two nights in a row as he and his family caught up on the latest Marvel movies at AMC."When we came out to the car which was a little bit of a walk away from the theater, it looked as if there was almost shaving cream or foam on the side of the car,” Schaff said. "We're like, what is that?”As his family got closer, they realized the white paint had bubbled up. By the time they got home a lot of it had flaked off and exposed the metal underneath. "I don't even know what I would say to someone who thinks it’s a good idea to do something like that,” Schaff said. "What does it accomplish exactly?"Hillsborough County deputies say a 2007 BMW was vandalized the same way in a Publix parking lot off N. Dale Mabry on April 11 and a 2017 Porsche SUV was damaged by a corrosive liquid in the Heath Integrated parking lot on April 23. All three attacked occurred within a few miles of each other. The Tampa Police Department responded to a 2011 Audi with similar damage at International Mall on April 15."It's just to me a completely random thing, and it's really hard to prevent,” Schaff said. "Have insurance on your car."While Schaff must pay a 0 deductible, his insurance company will cover the rest of the amount needed to repair the damage.He asked the movie theater about security cameras but believe the ones on the building catch the area of the parking lot his car was in."I hope the person gets caught, and brought to whatever justice there would be from this and learns a lesson not to do this,” said Schaff.Scripps station WFTS in Tampa reached out to the property owners of this parking lot to see what type of security they have and is waiting to get an official response. 2387

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