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Southbourne Tax Group Review - How to Manage Taxes as a College Graduate

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Southbourne Tax Group Review - How to Manage Taxes as a College Graduate

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Graduating from college is probably one of the most fulfilling triumphs you’ll ever achieve in your entire life. However, that joy also brings bigger responsibilities in life that could affect tax time too. This specific time in your life will have a lot to offer and before the winds of change take you to wherever you dream of, here are some advices from Southbourne Tax Group to make your taxes easier where you can get a refund during filing time and save money as well.

If your modified adjusted gross income is below $80,000 and you’re single, up to $2,500 of the interest portion of your student loan payments can be tax deductible, and below $160,000 for married person filing jointly.

Job hunting expenses can be tax deductible too but there are exceptions such as expenses involved in your search for a new job in a new career field and working full-time for the first time. Major tax breaks are expected in case you are moving to a new and different city for your first job.

Get a jump start on retirement savings with your company’s 401(k). Each year, you can secure up to $18,000 from your income taxes by contributing on one. If you have a family coverage, you could secure $6,750 from contributing to a health savings account in case you are enrolled in a high-deductible health plan. And if you are single, you can secure up to $3,400. Placing your money into a flexible spending account could keep an added $2,600 out of your taxable income.

Getting big deductions for business expenses is possible if you are planning to be a freelancer or to be your own boss as a new college graduate. Southbourne Group also advises saving at least 25% of what you’re earning for the IRS.

Research more about lifetime learning credit and understand its importance. You can claim up to $2,000 of a tax credit for post-secondary work at eligible educational institutions. This is possible if your adjusted gross income is below $65,000 as a single filer, or below $131,000 as a married person filing jointly.

Saving money has a lot of benefits and one of which is cutting your tax bill. If you’re a married person filing jointly and have an adjusted gross income of less than $62,000, you may qualify for the saver’s credit, while for a single filer, it should be below $31,000. That can reduce your tax bill by up to 50% of the first $2,000 if you’re a single filer, or $4,000 if you’re a married person filing jointly you contribute to an eligible retirement plan.

Southbourne Tax Group doesn’t want you to overspend on tax software and getting professional help in this regard. The firm suggests using the free packages from trusted tax software companies if your tax situation is quite simple. Get that professional help at Volunteer Income Tax Assistance program, which can help you meet with a pro at little or no cost.

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Southbourne Tax Group Review - The don’ts in filing your taxes as a millennial

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Southbourne Tax Group Review - The don’ts in filing your taxes as a millennial

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Not just millennials can benefit from this post but other professionals as well who are having quite a hard time on their taxes. Student loans, some investments, side hustles, etc., as a millennial, you have a lot of financial responsibilities to consider. Southbourne Group aims to provide ample guidance in handling taxes and filing them with the following.

Don’t miss the deadline. Be in control and organized, thus prepare everything beforehand. You may completely file your taxes, or request for an extension or payment loan. Missed the deadline without giving proper notifications? Then expect penalties, interest, and late fees.

Don’t ignore the use of the right tax software. Software can greatly help a millennial in filing his taxes. Individuals with $64,000 or less income were offered with free software by the IRS.

Don’t forget about your side hustle expenses. The costs of equipment or supplies used in your side hustle can be deducted on your tax return, reducing your taxable income.

Don’t disregard education tax savings. Learn to maximize it because it is mostly tax deductible. Tax software had prompts that can provide some help, but in case you need further professional help, contact a tax expert. List down all your higher education expenses to know the ones you’re qualified for.

Don’t shrug your shoulders on saver’s credit. To motivate people to put their money on a retirement account, IRS offers saver’s credit that can reduce your tax bill at the end of the year. Your adjusted gross income is the basis of the amount you are qualified for.

Don’t overlook your job search expenses. Why? Because such expenses are tax deductible, just make sure it is in your current career field.

Don’t do calculations in a hurry. It needs your entire focus and concentration to steer clear from having errors. DIY tax program has also built-in features that can help you ensure the accuracy of your tax information. Such can greatly help you in filing your taxes.

Don’t rush and do everything on the day of the deadline. Set up everything in advance as per advised by Southbourne Tax Group. Dedicate a day for you to prepare all you need in filing your taxes way ahead before the deadline.

Mentioned above are not hard to follow, right? Southbourne Group can give you a thorough discussion of each, just give them a call and they will always be ready to help you in your taxes.

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The SouthBourne Tax Group - Pas på seneste skat-sæson spear phishing scam

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The SouthBourne Tax Group - Pas på seneste skat-sæson spear phishing scam

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Du har måske hørt om CEO fidus: Thats hvor spear phishere repræsenter en CEO at ramme op et selskab for følsomme oplysninger.

Det er, hvad der skete med Snapchat, når en e-mail kom sin lønningsliste afdelingen, maskeret som en e-mail fra CEO Evan Spiegel og beder om medarbejder lønoplysninger.

Snapchats lønningsliste Institut faldt for det. Ouch.

Her er en tur af den samme type af skrue: Internal Revene Service (IRS) i sidste uge sendte en hurtig advarsel om en ny skat sæson fidus, wraps CEO svig med en W-2 fidus, derefter tilføjer en klat af wire bedrageri på toppen.

En W-2 er en amerikansk føderal skat form, udstedt af arbejdsgivere, der har et væld af personlige finansielle oplysninger, herunder skatteyder-ID og hvor meget en medarbejder var betalt i et år.

Denne nye og grimme dual-phishing scam har bevæget sig ud over virksomhedernes verden til target nonprofits skoledistrikter, sundhedssektoren organisationer, kæden restauranter, personalemæssige vikarbureauer og tribal organisationer.

Som med tidligere CEO spoofing svindel, skurke manipulering e-mails at gøre ligner meddelelserne de kommer fra en organisation executive. Sender phishing-meddelelser til medarbejdere i løn eller menneskelige ressourcer afdelinger, anmode kriminelle en liste over alle medarbejdere og deres W-2 former.

Fidus, ofte omtales som business e-mail kompromis (BEC) eller business e-mail spoofing (BES), optrådte første gang sidste år. I år er det ikke kun bliver sendt til et bredere sæt af tilsigtede ofre; Det er også ved at blive sendt ud tidligere i sæsonen skat end sidste år.

I en ny drejning egenskaber dette års spam scamwich ligeledes en opfølgning email fra at "executive", sendt til styring af lønningsregnskab og comptroller, beder om en bankoverførsel til en bestemt konto.

Wire overførsel fidus er ikke relaterede: det bare hitching en tur på den skattemæssige W-2 fidus. Nogle virksomheder er blevet snydt to gange: de har mistet både medarbejdernes W-2s og tusindvis af dollars sendt via ledning pengeoverførsler.

IRS fortæller organisationer, der modtager W-2 scam emails for at videresende dem til phishing@irs.gov, med emnelinjen i "W2 fidus".

Hvis din virksomhed allerede er faldet for fidus, kan den indgive en klage med Internet Crime Complaint Center (IC3), drives af FBI. Medarbejdere hvis W-2 formularer er blevet stjålet bør gennemgå de anbefalede handlinger af Federal Trade Commission på www.identitytheft.gov eller IRS på www.irs.gov/identitytheft.

IRS siger, at medarbejdere også bør indgive en formular 14039 identitet tyveri erklæring (PDF), hvis deres egne selvangivelser få afvist på grund af et duplikeret CPR-nummer, eller hvis instrueres i at gøre det af IRS.

Hvordan til at undvige fidus

Men før du selv komme til den sørgelige tilstand af at skulle indsende en rapport om at få rippes, det er bedre at undgå at falde for agn i første omgang.

Desværre, der er at få hårdere som svindlere får mere snedig. Sag i punkt: den omhyggeligt udformet, godt forklædt angreb, der førte til hacking af Clinton kampagne stol John Podesta Gmail konto. Angrebet stolet på en forkortet Bitly link til maske forbryderiske HTML-kode.

Screenshots af Bit.ly link bruges mod Podesta viser, at selv længere links gemmer sig bag rigget Bitly links kan gøres til at se, at et utrænet øje, som om de er legitime.

Et skridt, der kan beskytte mod phishing-angreb er at vælge korrekt adgangskoder. Selv om stærke adgangskoder ikke hjælpe hvis du phished (skurke få den stærke adgangskode alligevel), gør de det meget sværere for svindlere at gætte deres måde.

Bruge to-faktor autentificering, når du kan. På den måde, selv om svindlere phish adgangskoden en gang, de kan ikke holde logge tilbage til din e-mail-konto.

Også overveje at bruge Sophos hjem. Gratis sikkerheds-software til Mac og Windows blokerer malware og holder dig væk fra risikable weblinks og phishing-websteder.

Her er flere tips til at hjælpe dig med at genkende og styre uden om, phishing-links.

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The SouthBourne Tax Group - Pas på seneste skat-sæson spear phishing scam