• Protecting Yourself from Tax Identity Theft and Navigating Investment Taxes

  • 2025/03/17
  • 再生時間： 41 分
  • ポッドキャスト

Protecting Yourself from Tax Identity Theft and Navigating Investment Taxes

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  • In this week's episode of Dollars & Sense, key strategies for protecting yourself from tax identity theft and tips for navigating investment taxes were discussed.
    Tax Identity Theft Prevention
    • Understanding Tax Identity Theft: A fraudster uses personal information to file a fake tax return and claim a refund.

    • Get an IP PIN: Apply for a six-digit Identity Protection Personal Identification Number (IP PIN) from the IRS to prevent fraud.

    • Prove Your Identity: Use ID.me to verify identity - submit name, address, and driver's license photo.

    • Stay Updated: Once you have an IP PIN, it is automatically renewed annually in your online IRS account.

    Investment Tax Management
    • Capital Gains Tax: Lower tax rates apply if assets are held for over a year before selling.

    • Dividend Tax: Qualified dividends receive lower tax rates if stocks are held for specified periods.

    • Retirement Account Withdrawals: Withdrawals before age 59½ incur additional tax penalties unless exceptions are claimed.

    • Home Sale Tax: Exclude up to $250,000 for singles and $500,000 for couples from capital gains if lived in the home as primary residence for at least 24 months within a 60-month period.

    • Timing Matters: Understanding timing rules is crucial for minimizing taxes on various investments.

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あらすじ・解説

In this week's episode of Dollars & Sense, key strategies for protecting yourself from tax identity theft and tips for navigating investment taxes were discussed.
Tax Identity Theft Prevention
  • Understanding Tax Identity Theft: A fraudster uses personal information to file a fake tax return and claim a refund.

  • Get an IP PIN: Apply for a six-digit Identity Protection Personal Identification Number (IP PIN) from the IRS to prevent fraud.

  • Prove Your Identity: Use ID.me to verify identity - submit name, address, and driver's license photo.

  • Stay Updated: Once you have an IP PIN, it is automatically renewed annually in your online IRS account.

Investment Tax Management
  • Capital Gains Tax: Lower tax rates apply if assets are held for over a year before selling.

  • Dividend Tax: Qualified dividends receive lower tax rates if stocks are held for specified periods.

  • Retirement Account Withdrawals: Withdrawals before age 59½ incur additional tax penalties unless exceptions are claimed.

  • Home Sale Tax: Exclude up to $250,000 for singles and $500,000 for couples from capital gains if lived in the home as primary residence for at least 24 months within a 60-month period.

  • Timing Matters: Understanding timing rules is crucial for minimizing taxes on various investments.

続きを読む 一部表示

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