Gana mucho dinero, ahora

 

Jim Kreidler Especialista en Educación del Consumidor, FTC 17 de Abr de 2023

Tal vez has oído hablar de alguien que invirtió $1000 en criptomonedas y ahora es millonario. O quizá te arrepientes de no haber aprovechado la oportunidad de obtener un ingreso adicional. Entonces, cuando alguien te ofrece una oportunidad de inversión que no te puedes perder, tu primera reacción podría ser aprovecharla. Pero ¿cómo puedes diferenciar una inversión legítima de una estafa?

En este momento hay muchísimas estafas de inversión, con pérdidas reportadas de $3.8 mil millones de dólares en 2022. Eso es más de lo que las personas perdieron con cualquier otra estafa, y más del doble de las pérdidas reportadas en 2021 (Gracias, criptomonedas). Las estafas de inversión suelen crear la impresión de que puedes "ganar mucho dinero" con "poco o ningún riesgo". A menudo comienzan en las redes sociales, las aplicaciones de citas en línea, o con mensajes de texto, llamadas o emails inesperados.

Para mantenerte alejado de las estafas de inversión, aquí hay algunas cosas que debes saber.

No aceptes ninguna oferta inesperada. Si recibes una llamada, un mensaje de texto o un email inesperado sobre "una oportunidad de inversión increíble", es una estafa. Cuelga. Borra. Aléjate. Especialmente si quieren que saques dinero de tu 401(k) para invertir.

Rechaza ofertas de alta presión. Los estafadores intentan que imagines cómo será la vida cuando seas rico. No lo creas. Dirán "esta es una oferta única en la vida, y desaparecerá mañana". Pero cualquier inversión legítima permite que tomes el tiempo que necesitas para investigar antes de gastar dinero.

Haz tu propia investigación. No hagas ninguna inversión hasta que lo hayas comprobado. Investiga la inversión y la persona que la ofrece. Busca en línea el nombre de la empresa junto la palabra "comentario", "queja" o "estafa".

No creas en promesas de que ganarás dinero u obtendrás rendimientos garantizados. Nadie puede garantizar que ganarás mucho dinero con poco o ningún riesgo; cualquiera que lo haga es un estafador.

FINANZAS Y ALGO MAS...con Juan V Fanti, de Two Hundred Global Financial ...

Americans are deeply invested in their finances.

 Americans are deeply invested in their finances. It is how many people survive day to day and one of the means people use to “make it” in this country. However, when doing the calculations for gains minus costs, many people have come to find themselves coming up disappointed. According to Gallup, approximately 50% of people say they are worse off than a year ago. This has led to much uncertainty among most people about what the future will bring about.

                There are many reasons why people feel discouraged. According to the article, Opinion|Why Americans are so pessimistic about their finances, by Catherine Rampell, the malaise is centered around costs. Specifically, day-to-day costs such as groceries or gas, which have all increased in price because of inflation. The article explores the subject by paying attention to a group of families and how the prices on their receipts have changed over the years. Overall, everything has increased in price. To quote, “The prices of many frequently purchased items have increased, ranging from 2 percent to 115 percent.” It should be noted that this is also supplemented by costs such as rent, taxes and bills, which have all been exacerbated by inflation. Even so, it should be noted that people have not been affected equally.

                During this period of recession, the poor have gotten poorer and the rich even richer. According to Gallop, 61% of lower-income people have reported being “worse of” than last year, while the upper-income bracket stands at just 43%. In addition, the Washington Post reported that households which earn $20K annually reported that for every $1 that they earn, they are spending $4.03. This is while households that earn $150k annually work at an income-to-spending rate of $1 earned to $0.45 spent. That is a 9 times differential between the 2 ratios.

                Even so, some people still have hope. According to the article by Gallup, even though most people are pessimistic about the following months, most people are optimistic for the next year. According to the article 60% of people are looking forward to next year for better prospects for themselves. However it should be noted that Americans have had positive outlooks since 1977. From all of this we see how people have struggled with the increasing price of living, and in truth it seems like a trend that will continue. Despite that, there remains optimism that things may become better.

-          Half in U.S. Say They Are Worse Off, Highest Since 2009, Jeffrey M. Jones

-          Opinion|Why Americans are so pessimistic about their finances, Catherine Rampell

IRS reminds taxpayers of April estimated tax payment deadline

IRS reminds taxpayers of April estimated tax payment deadline

IRS YouTube Videos
Estimated Tax Payments – English | Spanish | ASL

WASHINGTON — The Internal Revenue Service today reminded people that Tax Day, April 18, is also the deadline for first quarter estimated tax payments for tax year 2023.

These payments are normally made by self-employed individuals, retirees, investors, businesses, corporations and others that do not have taxes withheld or employees that don’t have enough taxes withheld by their employers throughout the year.

Income taxes are a pay-as-you-go process. This means, by law, taxes must be paid as income is earned or received during the year. Most people pay their taxes through withholding from paychecks, pension payments, Social Security benefits or certain other government payments including unemployment compensation.

Most often, those who are self-employed or in the gig economy need to make estimated tax payments. Similarly, investors, retirees and others often need to make these payments because a substantial portion of their income is not subject to withholding.

Other income generally not subject to withholding includes interest, dividends, capital gains, alimony and rental income. Paying quarterly estimated taxes will usually lessen and may even eliminate any penalties.

Exceptions to the penalty and special rules apply to some groups of taxpayers, such as farmers and fishers, those who recently became disabled, recent retirees, those who receive income unevenly during the year and casualty and disaster victims.

Due to recent disasters, eligible taxpayers in California, Alabama and Georgia, for example, have until Oct. 16, 2023, to make 2023 estimated tax payments, normally due on April 18, June 15 and Sept. 15. People in other states may have extended deadlines as well; a full list is available on a special IRS.gov page.

How to pay estimated taxes
Form 1040-ES, Estimated Tax for Individuals, includes instructions to help taxpayers figure their estimated taxes. They can also visit IRS.gov/payments to pay electronically.

The best way to make a payment is through IRS online account. There taxpayers can see their payment history, any pending payments and other useful tax information. Taxpayers can make an estimated tax payment by using IRS Direct Pay; Debit Card, Credit Card or Digital Wallet; or the Treasury Department's Electronic Federal Tax Payment System (EFTPS).

For information on other payment options, visit IRS.gov/payments. If paying by check, taxpayers should be sure to make the check payable to the "United States Treasury."

Publication 505, Tax Withholding and Estimated Tax, has additional details, including worksheets and examples, that can be especially helpful to those who have dividend or capital gain income, owe alternative minimum tax or self-employment tax, or have other special situations.

Tax Withholding Estimator
The IRS urges people to use its Tax Withholding Estimator tool to help ensure the right amount of tax is withheld from their paychecks.

Checking taxes withheld periodically helps to protect against having too little tax withheld and possibly facing an unexpected tax bill or penalty at tax time. It also allows people to check taxes withheld up front, resulting in bigger paychecks throughout the year and likely a smaller refund at tax time.

IRS.gov assistance 24/7
Tax help is available 24/7 on IRS.gov. The IRS website offers a variety of online tools to help taxpayers answer common tax questions. For example, taxpayers can search the Interactive Tax Assistant, Tax Topics and Frequently Asked Questions to get answers to common questions.

The IRS is continuing to expand ways to communicate to taxpayers who prefer to get information in other languages. The IRS has posted translated tax resources in 20 other languages on IRS.gov. For more information, see We Speak Your Language.

 

There's Still Time to Register for FREE April E-Verify & Form I-9 Webinars! (Recordatorio: ¡todavía hay tiempo para registrarse para los seminarios web GRATUITOS de E-Verify y Formulario I-9 de abril!)

 

Los seminarios web de E-Verify y el Formulario I-9 de abril se están llenando, ¡así que tome su lugar GRATIS hoy! VER NUESTRO CALENDARIO DE SEMINARIOS WEB

Los seminarios web populares incluyen:

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*Todos los seminarios web son elegibles para créditos de desarrollo profesional (PDC), excepto E-Verify en 30 y myE-Verify .

También disponible: ¡Sesiones personalizadas que se enfocan en tus necesidades! Envíe un correo electrónico a E-VerifyOutreach@uscis.dhs.gov para organizar el tema, la fecha y la hora de su elección.

FTC Action Leads to Lifetime Industry Ban for Operators of ‘Extended Vehicle Warranty’ Scam

 As a result of a Federal Trade Commission lawsuit, the operators of a telemarketing scam that called hundreds of thousands of consumers nationwide to pitch them expensive “extended automobile warranties” will face a lifetime ban from the extended automobile warranty industry and from all outbound telemarketing.

Under the terms of proposed court orders, three companies and their owners that were charged by the FTC with running the operation that scammed consumers out of millions of dollars would be permanently banned from participating in the extended automobile warranty market, as well as from any further involvement in outbound telemarketing.

“AVP misled consumers about who they were and what they were selling and called a large number of consumers who were on the FTC’s Do Not Call List,” said Samuel Levine, Director of the FTC’s Bureau of Consumer Protection. “Today’s order banning five defendants from the industry and imposing a monetary judgment of $6.6 million continues the Commission’s aggressive crackdown on telemarketing fraud.”

The FTC first charged the owners and operators of American Vehicle Protection Corporation (AVP) with violating the FTC Act and the Telemarketing Sales Rule in February 2022. In its complaint, the FTC charged that AVP made unsolicited calls in which it claimed to be affiliated with vehicle makers, and deceptively claimed their products, which cost thousands of dollars, offered “bumper to bumper” protection.

American Vehicle Protection Corp.; CG3 Solutions, Inc.; and Tony Gonzalez Consulting Group,Inc., along with individual defendants, Tony Allen Gonzalez, and his brother, Charles Gonzalez, have agreed to the terms of the proposed court orders.

The orders also include a monetary judgment of $6.6 million, which is largely suspended based on their inability to pay. If the defendants are found to have lied to the FTC about the financial status, the full judgment would be immediately payable.

The FTC’s case against the remaining defendants in the case, Kole Consulting Group, Inc., and its owner and manager, Daniel Kole, will continue.

The Commission vote approving the stipulated final orders was 3-0-1, with Commissioner Christine S. Wilson not participating. The FTC filed the proposed order in the U.S. District Court for the Southern District of Florida.

NOTE: Stipulated final orders have the force of law when approved and signed by the District Court judge.

The staff attorneys on this matter are Harold Kirtz, Hans Clausen, and Chris Gleason of the FTC’s Southeast Region.

The Federal Trade Commission works to promote competition and protect and educate consumers. Learn more about consumer topics at consumer.ftc.gov, or report fraud, scams, and bad business practices at ReportFraud.ftc.gov. Follow the FTC on social media, read consumer alerts and the business blog, and sign up to get the latest FTC news and alerts.

La acción de la FTC conduce a la prohibición de por vida de la industria para los operadores de la estafa de la 'garantía extendida del vehículo'

Las órdenes judiciales propuestas prohíben a los demandados todas las ventas de garantía extendida y todo el telemercadeo saliente

Como resultado de una demanda de la Comisión Federal de Comercio, los operadores de una estafa de telemercadeo que llamó a cientos de miles de consumidores en todo el país para presentarles costosas "garantías extendidas para automóviles" enfrentarán una prohibición de por vida de la industria de garantías extendidas para automóviles y de todo el telemercadeo saliente

Alternativas de envío de dinero de Argentina a los Estados Unidos de America a través los PSP

 

Two New Technical Guides Published; Extension of Time to File for Those in Federally Declared Disaster Areas; Registration Open for the 2023 IRS National Tax Forum; Electronic Form 8940; Charitable Gaming: Understanding Your Responsibilities (Publicadas dos nuevas guías técnicas; Extensión del tiempo para presentar la solicitud para aquellos en áreas de desastre declaradas por el gobierno federal; Inscripción abierta para el Foro Tributario Nacional del IRS de 2023; Formulario Electrónico 8940; Juegos benéficos: comprensión de sus responsabilidades)

 Publicadas dos nuevas guías técnicas

Organizaciones Exentas y Entidades Gubernamentales ha publicado dos nuevas Guías Técnicas (TG). Estas guías son documentos integrales sobre temas específicos que actualizan y combinan las Guías de técnicas de auditoría (ATG) de IRS.gov con otro contenido técnico. Una vez completados, los TG reemplazan a los ATG correspondientes.

Los últimos TG son:

• TG 1 Instrumentalities of the United States, Government Corporations, and Federal Credit Unions - IRC 501(c)(1)
  
  
• TG 3-3 Propósito exento, beneficencia IRC 501(c)(3)

Prórroga del tiempo de presentación para aquellos en áreas de desastre declaradas por el gobierno federal

El 15 ^de mayo es la fecha de vencimiento para presentar las declaraciones de la serie del Formulario 990 para la mayoría de las organizaciones exentas de impuestos, sin embargo, algunas pueden tener más tiempo para presentarlas. Las organizaciones exentas en áreas de desastre declaradas por el gobierno federal, como la mayor parte de California y partes de Alabama y Georgia, tienen hasta el 16 de octubre de 2023 para presentar su solicitud. Para obtener más detalles, consulte la página de ayuda en casos de desastre en IRS.gov. 

Temporary Lawful Permanent Residents (LPR) Status Documentation (Documentación de estado de residentes permanentes legales temporales (LPR))

 

Temporary Lawful Permanent Residents (LPR) Status Documentation

USCIS field offices recently started delivering Forms I‑94 with ADIT (temporary I‑551) stamps as temporary evidence of LPR status without requiring an in‑person appearance at the field office. With this new operational process, USCIS has added more ways for applicants to obtain proof of status. This alternate Form I‑94 with an ADIT stamp is an acceptable List A receipt for Form I‑9 and E‑Verify. How will the new process be different? When LPRs call the USCIS Contact Center to request temporary evidence of status, an immigration services officer will verify their identity, physical mailing address, and if that address can receive UPS or FedEx express mail. The officer will then either create an in‑person appointment if needed or submit a request to the field office to initiate the creation of the temporary evidence. If an in‑person appointment is not needed, a USCIS field office will then review the request for temporary evidence and mail the applicant a Form I‑94 with ADIT stamp, DHS seal and a printed photo of the LPR obtained from USCIS systems. What will this receipt look like? On the “delivery” Form I‑94 with ADIT stamp, the LPR’s printed photo is located at the top right portion of the Form I‑94. Alternately, the photo on a “in person” Form I‑94 ADIT stamp is affixed to the top left portion of the Form I‑94. Both documents are acceptable for Form I‑9, Employment Eligibility Verification, purposes. The Form I‑94 will continue to have the DHS seal over the ADIT stamp and the photo. How is this document treated for employment eligibility verification purposes? This document is an acceptable List A receipt for Form I‑551, Permanent Resident Card. What if the LPR has issues with the delivery or use of this document? For questions or concerns about the request for, use of, or status of a request for a Form I‑94 with a with ADIT (temporary I‑551) stamp, call the USCIS Contact Center at 800‑375‑5283 or 800‑767‑1833 (TDD for the hearing impaired).

Documentación de estado de residentes permanentes legales temporales (LPR)

Las oficinas de campo de USCIS recientemente comenzaron a entregar los Formularios I-94 con sellos ADIT (I-551 temporal) como evidencia temporal del estatus de LPR sin necesidad de presentarse en persona en la oficina de campo. Con este nuevo proceso operativo, USCIS ha agregado más formas para que los solicitantes obtengan prueba de estatus. Este Formulario I-94 alternativo con un sello ADIT es un recibo aceptable de la Lista A para el Formulario I-9 y E-Verify. ¿Cómo será diferente el nuevo proceso? Cuando los LPR llaman al Centro de contacto de USCIS para solicitar una prueba temporal de su estatus, un oficial de servicios de inmigración verificará su identidad, dirección postal física y si esa dirección puede recibir correo urgente de UPS o FedEx. Luego, el oficial creará una cita en persona si es necesario o enviará una solicitud a la oficina de campo para iniciar la creación de la evidencia temporal. Si no se necesita una cita en persona, una oficina local de USCIS revisará la solicitud de evidencia temporal y enviará por correo al solicitante un Formulario I-94 con el sello ADIT, el sello DHS y una foto impresa del LPR obtenida de los sistemas USCIS. ¿Cómo será este recibo? En el Formulario I‑94 de “entrega” con el sello ADIT, la foto impresa del LPR se encuentra en la parte superior derecha del Formulario I‑94. Alternativamente, la foto en un sello ADIT del Formulario I‑94 “en persona” se coloca en la parte superior izquierda del Formulario I‑94. Ambos documentos son aceptables para el Formulario I-9, Verificación de Elegibilidad de Empleo, para propósitos. El Formulario I‑94 seguirá teniendo el sello del DHS sobre el sello de ADIT y la foto. ¿Cómo se trata este documento para propósitos de verificación de elegibilidad de empleo? Este documento es un recibo aceptable de la Lista A para el Formulario I‑551, Tarjeta de residente permanente. ¿Qué sucede si el LPR tiene problemas con la entrega o el uso de este documento? Si tiene preguntas o inquietudes sobre la solicitud, el uso o el estado de una solicitud de un Formulario I-94 con un sello ADIT (I-551 temporal), llame al Centro de Contacto de USCIS al 800-375-5283 o al 800-767 ‑1833 (TDD para personas con discapacidad auditiva).

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