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Tax cons will be around so you should be cautious ahead of filing

bmc-elo@bmc-elo.hosted.jivesoftware.com — Thu, 26 Jan 2012 05:30:52 GMT

Filing draws near so you should be careful of tax consIt is tax season, as millions of people will be getting W2s soon and filing their income tax returns. However, customers have to be diligent about who they entrust their returns with. There are plenty of tax scams out there waiting to claim the unwitting as targets. Resource for this article: Watch out for tax scams as filing ap-proaches

If there is free money, it may be a scam

From 2005 to 2009, there was a huge increase in the number of grievances of identity theft linked to scams that involved income tax returns. In 2009, there were 33,774 cons reported, as reported by the IRS. That is a 300 percent increase from 2005. Individuals are effortlessly scammed around tax season with the phrase “free money from the IRS” used quite often. It is the simplest way for some-one to steal your identity.

Might hurt you even more

The Internal Revenue Service is quite good at figuring out when the returns are cons. In fact, the IRS shut down 117,000 income tax returns that had stolen identities by Could of 2011, according to Tampa Bay Online. That means it stopped $582 million in refunds from being stolen. In 2008, the Internal Revenue Service convicted 124 people and gave 142 indictments of the 214 tax preparer fraud investigations that were done. The only problem with all of this is that individuals are responsible for the info that is presented on their returns, according to MSNBC. That means that even if a fraudster is caught and convicted, an individual who was scammed could still end up paying a ton of money in fees to the IRS.

Hallmarks of a scam

There are many things you can watch for to make sure you are not being scammed when doing your tax return. The IRS is only allowed to contact consumers with postal mail, so do not listen to anything said in a call, text or email. You also should avoid any promises from preparers, according to the Consumerist. Steer clear of specific dollar amount promises, because it is impossible to find out what the number will be until after doing a tax return.

Claiming a lot

Be wary of preparers offering a free return, particularly regarding e-filing. According to the Internal Revenue Service, individuals are eligible for free e-filing if they make $57,000 or less. The IRS has a list of preferred tax preparation providers on its website, which contains trusted preparation software and providers like TurboTax and H&R Block.Consumers should also, according to Washington Post, watch out for everyone offering obscure arguments about why everyone would not owe income taxes. Loopholes in the Constitution, off-shore tax havens, etc., are generally defeated in the court-room, and the taxpayer will be on the hook for penalties plus interest.

SourcesDaily FinanceMSNBCWashington PostConsumerist: http://consumerist.com/2010/01/how-to-avoid-tax-preparation-scams.htmlTampa Bay Online: http://www2.tbo.com/news/breaking-news/2011/may/08/MENEWSO3-irs-postal-service-target-tax-refund-frau-ar-205805/IRS e-filing page: http://www.irs.gov/efile/

Administration announces plan to help ease student loan problem

bmc-elo@bmc-elo.hosted.jivesoftware.com — Mon, 09 Jan 2012 10:09:28 GMT

Student loans have become the top source of debt for Americans. Recently, that problem belonged to credit cards. Wednesday the Obama administration announced a brand new strategy to help ease that load. The initiative is one of several moves the president is making to boost the economy without the support of Congressional Republicans. Article source: Administration announces plan to ease student loan burden

Goal is change

Education Secretary Arne Duncan discussed the initiative with reporters on Tues:

“These are real savings that will help graduates get started in their careers. These changes could make a big difference in the lives of current college students and recent graduates as they enter one of toughest job markets in recent memory.”

Borrowers will be allowed to combine loans into one monthly payment including federally guaranteed student loans and direct loans. The initiative also makes it so student loan payments are capped at 10 percent of income. It is a drop from the 15 percent that already existed. Also, any unpaid portion of the loan, interest or principle, will be forgiven after 20 years. That term used to be longer. It was at 25 years.

Starts strategy next year

In January, the program will officially begin. The “Pay As You Earn” policy was signed last year into law and will be accelerated. The original law wasn’t intended to go into impact for another few years. The date was in 2014.This move started due to a petition on the White House website. This “We the People” website began a response. The petition, asking the White House to forgive student loans, was signed by more than 30,000 Americans. This is the first time a petition has warranted a response from the administration to the “We The People” section, which is new to the website.

'We cannot wait'

With this move, the administration is attempting to handle the down-turned economy. Congress doesn’t need to approve if it is an executive order. A statement was made by the White House. It said:

"The announcement is part of a series of executive actions to put Americans back to work and strengthen the economy, because we can't wait for congressional Republicans to act."

The $447 billion American Jobs Act that Obama is hoping to pass is still being blocked. The president announced this week that he also plans on requiring military veterans to be employed by community health centers and starting a program to help homeowners with large mortgage debt.

Considering the strategy a little bit more

But the brand new strategy will not benefit every student loan borrower who could use it. The only people that can use the plan are people who borrowed in or after the year of 2008. Further, to be eligible, consumers also need to take out a brand new loan in 2012. With the initiative, people who already have difficulties won’t be helped. They just have to deal with it.

Working class individuals do not have to pay

the new program won't change anything for working class individuals, according to Domestic Policy Council Director Melody Barnes. The administration has a plan to pay for the loans by encouraging consumers. This Direct Loan program should encourage several. The federal government gets both loans’ interest instead of one with the program.You need to call 1-800-4FEDAID or go to www.studentaid.ed.gov in case you are interested.

Articles cited

New York Times Daily Finance Washington Post

Re: United States Department of Agriculture getting to the loan guarantee business

bmc-elo@bmc-elo.hosted.jivesoftware.com — Sat, 17 Dec 2011 07:23:12 GMT

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Re: United States Department of Agriculture getting to the loan guarantee business

bmc-elo@bmc-elo.hosted.jivesoftware.com — Thu, 15 Dec 2011 09:45:43 GMT

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Your spending budget may be busted at the drugstore

bmc-elo@bmc-elo.hosted.jivesoftware.com — Fri, 09 Dec 2011 10:17:39 GMT

Your spending budget may be busted at the drugstoreLocal drugstores are sometimes the only source of goods in the community. Shopping at these shops could be a real budget-killer. I read this here: Drugstore shopping could be costing your budget

Looking at pricesConsumer

World looked at the cost of groceries. They were taken from drug shops and supermarkets and were compared. Dependent upon the location, a can of Maxwell House coffee could cost anywhere between $2.99 and $6.99. At a grocery store, $68.55 to $83.56 is enough to get a full market basket of goods. At a pharmacy, the price was between $98.12 and $107.96. This shows probably the most costly supermarket is still less costly than the cheapest pharmacy. Non-food items generally run between $.50 and $1 more per item in drugstores.

Paying for ease

The only reason why drugstores and pharmacies can charge so much cash for their goods is because they are more convenient to buy. The ease of a drugstore is comparable to the convenience of a gasoline station. It is very simple to run in, grab some things and run out without any issues. Generally, these stores are also paying for the ease. They have higher rent payments. These stores also use their status as the source for prescriptions as a way to bring consumers in.

Extra cash in your wallet

Though drugstores are a more expensive place to buy groceries, there are ways to save cash by buying at a pharmacy. Every week, a “loss-leader” item is offered at a pharmacy typically. To be able to get more people in the store, many corporations will sell items at a loss, which is where the term loss leader comes from. Milk and eggs will be loss leaders. They're usually someplace on the list. Many times, drugstores will make prices more like what retail supermarkets are charged. The best bet for your budget is to take the extra time and effort to shop at a grocery store instead of a drugstore.

Articles cited

MSNBCDaily FinanceConsumer World (PDF)

Re: Japanese inventors launch robot bear that could curb snoring

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Re: Keep Your Little Patients Entertained With Doctor's Office Toys

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