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During tax season, fraudsters use the latest strategies to steal identities. With the tax filing season in full swing, taxpayers need to remain vigilant for strategies that may involve text messages, emails, phone calls or potential unemployment fraud.

The Internal Revenue Service (IRS) notes, “With filing season underway, this is a prime period for identity thieves to hit people with realistic-looking emails and texts about their tax returns and refunds. Watching out for these common scams can keep people from becoming victims of identity theft and protect their sensitive personal information that can be used to file tax returns and steal refunds."

Text Message Scams— There has been an uptick in text messages from senders that claim to represent the IRS. These fraudulent messages often include links to bogus websites that purport to be the IRS. The IRS emphasizes it does not use text messages other than the IRS Secure Access service. The IRS also will not send direct messages through social media platforms.

If you receive a text message that claims to be from the IRS, you should take a screen shot and send it to This email address is being protected from spambots. You need JavaScript enabled to view it.. With the screenshot, include the date and time you received the text message and your phone number. You can take a screenshot on an iPhone by simultaneously pressing and releasing the side button and volume button. On other smartphone models, you may press at the same time the side button and home button or the top button and home button. The screenshot may then be accessed through your phone’s photos app and emailed to This email address is being protected from spambots. You need JavaScript enabled to view it..

Unemployment Fraud— There is a surge in efforts by organized crime rings to steal identities and file fraudulent unemployment claims with state agencies. Your state office will then issue IRS Form 1099-G, Certain Government Payments to the recipient and the IRS. If you receive a fraudulent or inaccurate Form 1099-G, you should report it to the state agency and obtain a corrected Form 1099-G. For information on unemployment fraud and to report an incident, go to DOL.gov/fraud. If you receive any communication from a state agency about an unemployment claim that you did not file or a notice from your employer about an unemployment claim that is improper, you should also report it.

Email Phishing Scams— The IRS emphasizes that it does not contact taxpayers through email to request personal or financial information. If you receive an unsolicited email, do not click on any links in the email. Send the email as an attachment to This email address is being protected from spambots. You need JavaScript enabled to view it.. The "Report Phishing and Online Scams" webpage at IRS.gov provides additional information.

Phone Scams— The IRS notes it does not leave urgent or threatening messages on your phone or voicemail. Scammers will often threaten victims with arrest, deportation or revocation of a driver's license. It is possible to "spoof" caller ID numbers. The scammer may attempt to spoof the caller ID number of a sheriff's office, department of motor vehicles or federal agency. The IRS emphasizes it will never call and demand payment through a prepaid debit card, gift card or wire transfer. It will also not ask for a credit or debit card over the phone.

If you receive a threatening call, hang up the phone. You can report the caller ID and callback number on This email address is being protected from spambots. You need JavaScript enabled to view it.. You also may report the call on FTC.gov and note "IRS Telephone Scam" on your report.

If you owe tax or think you might have a tax bill due to the IRS, you should hang up the phone. You can create an online account on IRS.gov and review your information. There may be a phone number on a billing notice from the IRS or the general IRS number is 800-829-1040.

If you are a victim of identity theft and a fraudster has used your Social Security number to file and claim a fraudulent refund, you may be contacted by the IRS. You should immediately respond to any IRS notice and call the listed number.

You may file IRS Form 14039, Identity Theft Affidavit. If you are a victim of identity theft, you still must file and pay taxes. Many individuals use a paper form to pay their tax in this circumstance.

Editor's Note: IRS tax filing season always causes fraudsters to intensify their efforts. Taxpayers should be familiar with the principal ways scammers attempt to steal identities and file fraudulent returns.

Published March 21, 2025

My spouse and I are thinking about making some modifications to our home so we can live here comfortably for as long as possible. Can you recommend some resources that can help us make our home safer as we grow older?

Many retirees, like you and your spouse, want to remain in their own home for as long as possible. But being able to do so will depend on how easy it is to update your home as you get older. There are key features and improvements you can make that will make your house safer and more convenient as you grow older.

Home Evaluation

The first step in making your home more livable as you age is to do an assessment. You should walk through each room and identify problem areas that have potential for tripping or slipping as well as areas that are difficult to access or maintain. There are several organizations that have checklists that point out potential problems in each area of the home, along with suggested modifications and solutions.

Rebuilding Together, for example, has a short “Safe at Home Checklist” that was created in partnership with the Administration on Aging and the American Occupational Therapy Association. To find the checklist, visit AOTA.org and search for “Rebuilding Together Safe at Home Checklist.”

The National Association of Home Builders also has a checklist that offers more than 100 suggestions to help homeowners aged 50 and over live safely, independently and comfortably. Their checklist can be found by visiting NAHB.org and searching for the “Aging-in-Place Remodeling Checklist.”

You may want to review AARP’s excellent resource guide that is filled with tips and diagrams to make your entire home safer and easier to live in as you age. You can access it at AARP.org, by searching for “HomeFit Guide.”

Personalized Advice

For more personalized help, consider scheduling a professional in-home assessment with an occupational therapist (OT). An OT can evaluate your home’s challenges and potential hazards, recommend solutions and introduce you to products and services to help you make improvements.

To find an OT in your area, check with your physician, health insurance provider, local hospital or seek recommendations from family and friends. Many health insurance providers, including Medicare, will cover the cost for a home assessment by an OT if prescribed by your doctor. However, Medicare will not cover the cost of upgrades to the home.

Another option is to contact a Certified Aging-in-Place Specialist (CAPS). CAPS are home remodelers and design professionals who specialize in aging-in-place home modifications. They can suggest ways to modify or remodel your home to fit your needs and budget. CAPS are generally paid by the hour or receive a flat fee per visit or project. To find a CAPS-certified professional in your area visit the National Association of Home Builders website at NAHB.org/capsdirectory where you can search by last name, credentials, state and city.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published March 28, 2025

On March 24, 2025, the Internal Revenue Service (IRS) reminded taxpayers that they can improve the probability of a prompt refund by filing a correct tax return. The IRS offered tax tips on the best ways to ensure a speedy refund.

Tax Paperwork – Taxpayers should gather all their tax documents. The basic documents are IRS Form W-2’s, Form 1099’s and other information forms. There may be specific paperwork to support income tax deductions, education credits or mortgage interest payments. It is helpful to have the adjusted gross income (AGI) from your prior year tax return if you plan to file electronically. You can use an IRS Individual Online Account to view a Form W-2, Wage and Tax Statement or Form 1095-A, Health Insurance Marketplace Statement. These are under the Records and Status tab in your IRS account.
Names, Birthdates and Social Security Numbers (SSNs) – You must provide the correct name, date of birth and SSN for each dependent. Your name should be entered exactly as it appears on your Social Security card. If a dependent does not have an SSN, you can request an Individual Tax Identification Number (ITIN).
Electronic Filing – The IRS recommends you reduce math errors by using electronic filing. This might include IRS Free File, Free File Fillable Forms or Direct File. Your online tax software may highlight your potential tax credits or deductions. It also will check your return and prompt an entry if you have failed to include important information. If you choose to submit a paper tax return, you must be certain that you have the correct mailing address for the IRS. You can find the mailing address on IRS.gov.
Taxable Income – The majority of income is taxable. If you do not report your taxable income, you could be required to pay interest and penalties. Income includes interest earned from financial accounts, unemployment benefits, income from services or the gig economy and sale of digital assets.
Digital Assets – All taxpayers are asked on their tax return to answer either "Yes" or "No" to a digital asset question. You must answer this question even if you have not bought or sold digital assets in 2024. If you have a digital asset transaction, you should visit the Digital Assets webpage on IRS.gov.
Bank Routing and Account Numbers – Most taxpayers request an electronic transfer of their refund into a bank account. You should check to be certain you have the correct routing and account numbers. These are on the lower portion of a check. The routing and account numbers are also available on some prepaid debit cards. This is an option if you do not have a bank account.
Sign and Date – If you have a joint tax return, both spouses must sign and date the return. If you are filing electronically, you will need to authenticate the tax return by including your adjusted gross income from the prior year.
Tax Payments – Tax payments are due on April 15. Individuals in a federally declared disaster zone usually receive additional time to file. You may make payments using the Individual Online Account, Direct Pay, the Electronic Federal Tax Payment System (EFTPS) or through a debit or credit card.
Tax Filing Extension – Taxpayers may request a six-month extension for filing until October 15, 2025. You can pay using one of the online payment options and check the box requesting an extension. You can file Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return or request an extension through IRS Free File. The extension allows extra time for filing but is not an extension of time to make your tax payment. The exception to this rule is a limited number of individuals who are in a federally declared disaster zone.

Published March 28, 2025

There are many organizations today that offer short-term volunteer vacation projects both in the U.S. and abroad, lasting anywhere from a few days to several months. Popular programs include teaching English, working with children and teens, building and repairing homes and schools, and assisting with community or environmental projects. These volunteer vacations also allow travelers the opportunity to immerse themselves in the local culture and connect with the local people.

Most volunteer vacation groups welcome single travelers, couples and families, and you are not required to speak a foreign language. Costs will vary based on the type of volunteer program but usually range from around from a few hundred dollars to a couple of thousands of dollars per week, not including transportation to the destination country. Fees typically cover pre-trip orientation information, accommodation and meals, on-site training, local transportation, the services of a project leader and a contribution to the community that covers material and services related to the project. If the organization running your trip is a nonprofit, and there is no recreational component, the cost of your trip is potentially tax-deductible. Consult your tax professional to learn more about any possible deductions available.

Where to Look

There are various companies and not-for-profit agencies that offer volunteer vacation opportunities both domestically and internationally. You may want to use your favorite search engine to find companies by using key search terms such as “volunteering vacations” and include the geographical area in which you are most interested. Look for voluntourism programs that align with your skills and values. You will want to look for well-established organizations and review the projects and accommodations within the particular program.

You may also want to prioritize organizations with transparent funding, that work collaboratively with local groups and have a history of positive impacts and sustainability. Check reviews and independent sources, consider volunteering with reputable local nonprofits as well. It is also important to verify visa requirements before committing.

How to Choose

With so many different volunteer vacation options to choose from, selecting one can be difficult. To help you decide, consider the following questions: Where do you want to go and for how long? What kind of volunteer work interests you? What type of accommodations do you prefer? Do you want to volunteer alone or with a group? Would you prefer a rural or urban placement? What are your age and health considerations, and do you have any special needs that must be met?

Once you figure out what you want and identify a few volunteer vacations that interest you, reach out to the organization to send you detailed information about the program. This should include accommodation details, a breakdown of the fees and what they cover (including their refund policy), the work schedule and responsibilities, and anything else you may have questions about. It may be helpful to obtain a list of previous volunteers and reach out to them to hear about their personal experiences before making a final decision.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Published April 4, 2025