Sunday, November 27, 2022

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Technology

10 Tax Changes That Could Affect the Size of Your Refund Next Year – CNET

As the end of 2022 approaches, now's a great time to get a head start on tax season. Though your federal tax returns aren't due until April 18, 2023, there were a lot of tax changes in 2022 that are likely to change the amount of your tax refund. Many of the pandemic tax benefits from the past few years, like the expanded child tax credit, child and dependent care credit and stimulus payments ended at the end of 2021, which could mean your refund will be a little smaller this year. And, if you started a side hustle or freelance gig, you may find you owe taxes this year.When it comes to taxes, 2022 is the year of the great reset, said Mark Steber, chief tax information officer for Jackson Hewitt. "A lot of things that were put into place for 2021, and some part 2020, will revert back to pre-pandemic years, which can lead to refund shock or, more importantly, balance-due shock." In addition, some new regulations were put into place. Third-party payment apps like PayPal, CashApp and Venmo will now be reporting money earned by freelancers throughout the year to the IRS. Student loan forgiveness -- if passed -- is exempt from federal taxation, but borrowers in some states may owe taxes. And lastly, if you had any crypto activity in the past year, the IRS wants to know about it. There's a lot to cover, so we'll walk you through the most significant tax changes to prepare for this upcoming tax season. 1. The standard deduction for 2022 is higher It's typical for the standard deduction to increase a little each year, along with the rate of inflation. For your 2022 tax return, the standard deduction for single tax filers has been increased to $12,950 (up by $400), and has been bumped to $25,900 for those married filing jointly (up by $800). The standard deduction is what most taxpayers with simple tax returns claim to reduce their taxable income. If you receive a traditional paycheck through an employer and aren't eligible for many special deductions or credits, the standard deduction likely makes sense for you. If you have expenses or individual deductions you'd rather claim, like self-employment tax breaks, you would not claim the standard deduction. 2. Income tax brackets are also higher in 2022For 2022, income tax brackets were also raised to account for inflation. Your income bracket refers to how much tax you owe based on your adjusted gross income, which is the money you make before taxes are taken out, excluding itemized exemptions and tax deductions. While the changes were slight, if you were at the bottom of a higher tax bracket in 2021, you may have bumped down to a lower rate for your 2022 tax return. 2022 tax brackets for single filers Taxable income Federal tax rate $10,275 or less 10% $10,276 - $41,775 $1,027.50 plus 12% of income over $10,275 $41,776 - $89,075 $4,807.50 plus 22% of income over $41,775 $89,076 - $170,050 $15,213.50 plus 24% of income over $89,075 $170,051 - $215,950 $34,647.50 plus 32% of income over $170,050 $215,951 - $539,900 $49,335.50 plus 35% of income over $215,950 $539,901 or more $162,718 plus 37% of income over $539,900 2022 tax brackets for taxpayers who are married, filing jointly Taxable income Federal tax rate $20,550 or less 10% $20,551 - $83,550 $2,055 plus 12% of income over $20,550 $83,551 - $178,150 $9,615 plus 22% of income over $83,550 $178,151 - $340,100 $30,427 plus 24% of income over $178,150 $340,101 - $431,900 $69,295 plus 32% of income over $340,100 $431,901 - $647,850 $98,671 plus 35% of income over $431,900 $647,851 or more $174,253.50 plus 37% of income over $647,850 3. The child tax credit benefits has returned to normalWhile 2021 had a temporary expansion of the child tax credit, including eligibility for more dependent children and offering advance payments, that isn't the case for your 2022 taxes. The CTC has dropped back down to its pre-pandemic amount -- $2,000 per child or dependent -- and is now only available for children under 17 years of age. The credit, which was fully refundable last year, is now only partially refundable to some lower-income parents, and advance payments are no longer in effect. (Partially refundable means you can only receive a portion of this credit as a refund, though the full amount can be applied to your tax bill.) That said, you should still claim the CTC in 2022 if eligible -- it can help boost your refund or may help offset a tax bill. And, while federal benefits have decreased, some states are offering child tax credit benefits this year and next.  4. Fewer filers will qualify for the Child Care and Dependent Tax creditIn 2021, the Child Care and Dependent Tax Credit also received temporary expansions, allowing those who made $125,000 or less to deduct between 20% to 50% of $4,000 (or $8,000 for parents with more than one child) in qualifying child care expenses. It was also refundable. For 2022, this tax break has also reverted back to what it was in 2020. Now, parents with one child can only claim up to 35% of a maximum of $3,000 in qualifying expenses, for a maximum amount of $1,050. Parents with more than one child are eligible for up 35% of up to $6,000 in qualifying expenses, for a maximum amount of $2,100. The biggest difference is the income qualification. To receive this credit in full in 2022, you must have made $15,000 or less -- a steep drop from 2021's $125,000 income threshold -- though households earning up to $438,000 will receive at least partial credit. 5. If you don't have kids, it's harder to qualify for the Earned Income Tax credit this yearLast year, more Americans were eligible to claim the Earned Income Tax Credit on their 2021 tax returns. This year, the EITC jumps back to its pre-pandemic rules. For your 2022 tax return, the maximum you can claim for the EITC if you do not have kids or dependents is $560, a $942 decrease from last year's maximum of $1,502. The age requirements have also shifted back to the original rules -- you must be between 25 and 65 to qualify. However, the income requirements for the EITC and maximum credits for those with children have increased slightly due to inflation. The 2022 income thresholds and maximum credit information are below:  2022 EITC income thresholds (for maximum credit) Number of dependents Filing as Single, Head of Household or Widowed Married Filing Jointly 0 $16,480 $22,610 1 $43,492 $49,622 2 $49,399 $55,529 3+ $53,057 $59,187 EITC maximum credit for 2022 Number of dependents Maximum credit in 2022 Maximum credit in 2021 Difference 0 $560 $1,502 $942 decrease 1 $3,733 $3,618 $115 increase 2 $6,164 $5,980 $184 increase 3 or more $6,935 $6,728 $207 increase 6. If your student loans were forgiven, you may owe state taxesThough widespread federal student loan relief remains on hold, you may have received student loan forgiveness through the Public Service Loan Forgiveness program or another similar endeavor. if you had any balances forgiven in 2022, you won't owe federal taxes on the canceled amount. That's because of a provision tucked into the 2021 American Rescue Plan, preventing forgiven post-secondary education loans from federal taxation through 2025.  However, there are a handful of states where forgiven loan balances may be taxed. Indiana, Minnesota, Mississippi and North Carolina have confirmed they will tax any student loan debt relief on your 2022 taxes. A few other states may as well, though the details are still being hammered out. And, if you live in one of the states taxing forgiven student loans, you may be on the hook for county taxes on your debt relief, as well. 7. You have to report your crypto and NFT transactions While not technically new, for 2022 the IRS is making a more concerted effort to track cryptocurrency sales and trades. Whenever you sell or trade your crypto or purchase an item with crypto, you trigger a taxable event. Currently, crypto is taxed like property, making it subject to short- or long-term capital gains taxes. This also means you can report any crypto losses to help offset any gains. Since 2022 saw a drastic drop in the value of cryptocurrencies like bitcoin and ethereum, if you sold or traded your crypto at a loss, you may be able to reduce your tax bill by reporting your capital loss. The same goes for NFTs.  And though the IRS will flag any unreported crypto gains, if you don't report a loss that can lower your tax burden, the IRS won't adjust your return on your behalf. "If you leave it off, it stays off," said Steber. "Tax deductible losses from your virtual currency activity do have real consequences on your tax return, and can save you real dollars. So I always tell people, if you've got something that you don't fully understand, you certainly should seek out guidance from a trained experienced tax professional." If you have a lot of crypto or NFT activity, we recommend talking to a tax expert. But If you'd rather handle your taxes on your own, check out our top picks for crypto tax software to make filing your taxes a little easier. 8. PayPal, Venmo and other third-party apps will report your payments to the IRS If you've been self-employed or freelancing for a few years, you likely already know that you're required to report your freelance earnings to the IRS. This year, your earnings will be even easier for the IRS to access, since third-party payment apps are now reporting your payment activity to the IRS.  While you'll still need to report your earnings like usual, the difference is, the IRS will be able to verify the amounts you report against the transactions the payment apps provide. So, if you're off by $100, the IRS will know. This new regulation could help freelancers. Platforms like PayPal, Venmo, Cash App, Zelle and others will be providing users with 1099-K forms, which can make reporting your income a little easier.  And don't worry -- the money you gifted to your kids is safe from taxes. Only earnings sent through these third-party apps are subject to taxation. No matter how you were paid, if you had any self-employment income in 2022, Steber recommends working with a tax professional to make sure you take advantage of every eligible tax break. "Self-employed people have some of the most complex tax returns, and quite frankly, some of those lucrative tax benefits in the tax code to watch out for," he said. 9. Retirement contribution limits increasedFor 2022, the individual 401(k) contribution limit increased to $20,500, a $1,000 increase from 2021. If you're over 50, you can contribute an additional $6,500. The total contribution limit, which includes your employer's contributions, is $61,000 for 2022 ($67,500 for those 50 or older). IRA contributions remained unchanged at $6,000 for the year, with a $1,000 additional catch-up contribution for those 50 or older. Contributions to SIMPLE IRAs were also increased in 2022, rising from $13,500 to $14,000. Those over 50 can contribute an additional $3,000.With the end of the year fast approaching, maximize your retirement contributions before the end of December. However, if you have an IRA, you can continue contributing for tax year 2022 until April 18, 2023, next year's tax filing deadline.More Americans may qualify for the Saver's credit this year, since the IRS increased the income thresholds for 2022. It's worth up to $1,000 for single filers ($2,000 for married, joint filers), as long as you contribute to a retirement account and meet AGI requirements. For this tax year, your AGI must not be over $34,000 for single filers and those married filing separately, $68,000 for married, joint filers and $51,000 for head-of-household filers.10. Temporary charitable donation deductions have endedFewer filers may be able to claim charitable donation tax breaks for this tax year. The expanded charitable cash contribution benefits that were offered in 2020 and 2021 have ended. The temporary suspension of the 60% AGI limit in 2020 and 2021 is now back, limiting the amount you can claim in charitable contributions.   More tax advice

Spread Holiday Cheer With the Gift of Wine – CNET

This story is part of 84 Days of Holiday, a collection that helps you find the perfect gift for anyone. My No. 1 holiday gift to give or receive has always been, and will always be, wine. Why? Because a nice wine can turn a simple meal or quiet evening into an unforgettable experience. Why it's a great gift: Choosing high-quality wines for a reasonable price can be tough, especially around the holidays. That's why I always turn to Treasury Wine Estates. Red, white or bubbly -- it's truly got something for everyone. I love the Cabernet Sauvignon by Stags' Leap because it is full, warm, and sips well with red meats and heavier holiday foods. Pair it with a gorgeous Christmas tenderloin or a delicious cheddar cheese and thank me later. Since it's one of the largest wine companies in the world, there's a good chance you'll be able to find Treasury Wine at your local wine and spirits shop. You can also search their variety of wines online -- each bottle has a detailed description and recommended pairing to take the guesswork out of holiday meal prep. What you'll pay: You can find Treasury Wine Estates wines at a number of different prices. The 2019 Cabernet Sauvignon from Stags' Leap that I recently tried is $79, which is an amazing price for the quality and flavor.Whether you bring Treasury Wine to share at your next holiday party or sip one solo by a crackling fire, you'll be sure to enjoy this diverse collection of wines. Cheers and happy holidays!

The best early Cyber Monday deals at Amazon you can get now

/ Amazon has a lot of deals this year, ranging from Echo devices to iPads to big-screen TVs. Here’s all the stuff worth your money that you can still grab a bargain on.The latest Echo Dot with clock is available with a big discount and two free Philips Hue smart bulbs.

The Verge’s Guide to Cyber Monday 2022

Black Friday 2022With a bit of insight, you can score the best deals and navigate the month-long sales event like a total proBlack Friday has come and gone. The annual deals extravaganza that closes out the year is over, yet many retailers — including Amazon, Target, Walmart, and Best Buy — are still offering some of their best savings of the year in the run-up to Cyber Monday. This means it’s still a great time to score a steep discount on a wide range of tech, including noise-canceling headphones, smart displays, OLED TVs, robot vacuums, gaming laptops, and a bevy of other popular gadgets from the likes of Apple, Amazon, and Google.This weekend is a great opportunity to gift stuff to yourself, but it’s also your best chance to do a bunch of gift shopping for others. If you’re unsure where you should shop, keep in mind that many retailers offer terrific price-matching policies (or at least price protection) during this time, allowing you to breathe easy knowing that you’re getting the biggest markdown possible.Here at The Verge, we don’t take deals lightly. That’s why we’re using this hub to pull together everything you need to know about Black Friday and Cyber Monday, whether you’re looking for retailer schedules, return policies, info regarding refurbished products, or just a few ways to save a buck online or in-store. We’re also using this page to highlight showstopping savings throughout the duration of Black Friday weekend and the “Cyber Week,” so you’ll always know where and when to find the best tech deals possible.The best dealsMoney-saving tipsBreakout dealsRetailer deals

Cyber Monday 2022: deals, news, and more

Filed under:STREAM /Black Friday 2022We’re rounding up all of the best deals from across the internet to help you cross some names off your holiday shopping list.By

25 of Target’s Best Cyber Monday Deals Following Black Friday Sales – CNET

Black Friday 2022 is already behind us, but if you missed the biggest events of that day, don't worry -- there are so many incredible deals still live right now. Also we've still got Cyber Monday deals to look forward to. Many of those are starting to jump into the pool that is this Black Friday weekend. All of the major retailers -- including Amazon and Best Buy -- are still going strong, and Target is no different with its largest Black Friday week event ever, discounting more than a million items.There are also a variety of early Cyber Monday deals on TVs, soundbars, kitchen gadgets, toys, games and more. You can shop the entire sale at the link above, but to help you save some time, we've rounded up some of the best bargains available below. Deals come and go pretty fast during the holiday shopping season, so we'll continue to update this page with new deals as they appear. Be sure to check back often for the best Cyber Monday savings that Target has to offer.  Apple Score a huge saving on Apple's AirPods Pro 2 at Target, where the noise-canceling earbuds are down to $200. This AirPods Pro 2 deal is the best we've seen since the earbuds' launch this fall.  Nintendo/CNET The Nintendo Switch goes for $300, but right now you can get a bundle with a Switch console, a digital copy of Mario Kart 8 Deluxe, and a three-month Switch Online individual membership, all for the price of a standard standalone Switch. You're receiving price alerts for Nintendo Switch + Mario Kart 8 bundle: $300 Meta Pick up the 128GB Quest 2 VR headset bundled with Resident Evil 4 and Beat Saber for $50 off the price of the headset alone. The 256GB model is $70 off. You're receiving price alerts for Meta Quest 2 Resident Evil 4 bundle with Beat Saber 128 GB — Advanced All-In-One Virtual Reality Headset Lenovo For an entry-level, midsize laptop, it's hard to beat the Lenovo Ideapad 1i. It offers a thin and light design, and this spec at $240 off includes an Intel Core i3 processor, a 256GB SSD and 8GB RAM. It's usually $540. You're receiving price alerts for Lenovo 14" IdeaPad 1i Laptop with Windows 11 Home in S Mode - Intel Core i3 Processor - 8GB RAM - 256GB SSD Storage - Gray (82QC004BUS) KitchenAid KitchenAid's Professional 5-quart stand mixer is on sale for just $250 right now. The iconic mixer has 10 speeds with plenty of power to mix even the densest ingredients. It comes with a flat beater, a dough hook and 5-quart stainless steel bowl. Dyson Dyson's V8 cordless vacuum cleaner is on sale for $280 this week. It has up to 40 minutes of run time and is a lightweight vacuum, weighing just under 6 pounds.  You're receiving price alerts for Dyson V8 Origin Vacuum, floor care appliances and accessories LG Even a simple 2.1-channel soundbar like this LG can provide a serious improvement over your TV's built-in speakers. This all-in-one soundbar boasts 100 watts of total output and has a built-in subwoofer for rich lows. You can connect it to your TV using the HDMI ARC port or play audio from your phone, tablet or laptop with a USB or Bluetooth connection. You're receiving price alerts for LG SP2 Soundbar: $100 Keurig The K-Mini brewer from Keurig is the company's smallest brewer, and it's a great option if you're short on counter space. And now, Target is offering $20 off several different colors, plus you can get an extra 15% off select small appliances with code CYBER15, which drops the price down to $68.  More Target Early Cyber Monday deals And if you've been looking for deals on gaming consoles, Target has the Xbox Series S available for $250 (save $50), with a free $50 Target gift card included with your purchase. The only caveat is that you have to buy online but pick your item up in-store, as shipping is not available. Take a look at Target's website to check your local availability.

Best True Wireless Sports Earbuds With Ear Hooks – CNET

Truth be told, I'm not a huge fan of earbuds with hooks that wrap around the top of your ear. It's a design that Beats popularized with its Powerbeats line of wireless sports earbuds, and it's not for everyone. But many people love them because they add an element of security: While your buds may fall out of your ears, the hooks keep them attached to your head, preventing you from losing them or having them drop to the pavement, which may lead to some damage. That's an important feature, particularly if you wear earbuds while running or biking. Here's a look at the best earbuds with ear hooks, all of which we've tested. Most of them are affordable, with most costing less than $100. We'll update this list as new sports earbuds hit the market.Read more: Best Workout Headphones for 2022 David Carnoy/CNET The new Soundcore Sport X10 have an interesting design with rotating swiveling ear hooks that flip up when you're using them and flip down when you want to set them in their charging case, which has a smaller footprint than a lot of buds with ear hooks. As long as you get a tight seal, they sound good, with powerful, punchy bass and good detail. They also have active noise canceling, which is effective though not as good as Sony or Bose's noise canceling. They're also fully waterproof with an IPX7 rating, which means they can be fully submerged in up to 3 feet of water for 30 minutes. Battery life is rated at up to 8 hours with an additional three charges in the charging case. You're receiving price alerts for Soundcore by Anker, Soundcore Sport X10 True Wireless Bluetooth 5.2 Workout Headphones, Rotatable Ear Hooks, Deep Bass, IPX7 Waterproof, Sweatproof, 32H Play, Fast Charge, Sport Earbuds, Gym, Running Beats Battery Life Rated up to 9 hours Noise Canceling No Multipoint No Headphone Type Wireless earbuds Water-Resistant Yes (IPX4 -- splash-proof) The Beats Powerbeats Pro earbuds have been on the market for a few years but remain popular and are now available in several color options. Their jumbo charging case is a notable drawback, but they offer many of the same features as Apple's AirPods 2 (they're equipped with Apple's H1 chip) but have better sound so long as you get a tight seal (they should fit most -- but not all -- ears well). There's no active noise canceling but battery life is strong at up to 9 hours and they're IPX4 splash-proof.  Note that the Powerbeats Pro are frequently on sale, so you should only buy them if they're substantially discounted. Read our Powerbeats Pro review. Read our Beats Powerbeats Pro review. You're receiving price alerts for Beats Powerbeats Pro (Black) David Carnoy/CNET Battery Life Rated up to 10 hours Noise Canceling No Multipoint No Headphone Type Wireless earbuds Water-Resistant Yes (IP55 -- protection against low-pressure water streams) With so many new wireless earbuds and headphones being released on what seems likely a weekly basis, it's not easy for companies to differentiate their products in the marketplace. Skullcandy hopes its new voice-driven platform, Skull-iQ Smart Feature Technology, will do just that. Similar to the Apple AirPods' "Hey Siri" feature, Skullcandy's version allows you to say "Hey, Skullcandy" to issue hands-free voice commands without touching a button. Skull-iQ debuts on the sports-oriented Push Active, and the $100 Grind Fuel, which will be firmware updatable via the Skullcandy App.With their ear-hook design, they're essentially a more affordable version of the Beats Powerbeats Pro and they fit my ears slightly better than the Powerbeats Pro. I'm not usually a fan of ear-hook style buds, but this is one of the better ones. The Push Active True earbuds are equipped with Bluetooth 5.2, are IP55 splashproof, have built-in Tile Finding Technology and are rated for up to 10 hours of battery life on a single charge at moderate volume levels.  You're receiving price alerts for Skullcandy Push Active David Carnoy/CNET Battery Life Rated up to 7 hours Noise Canceling No Multipoint No Headphone Type Open-ear wireless earbuds Water-Resistant Yes (IPX5 -- protection against low-pressure water streams) Cleer's Epic Arc buds are similar to Bose's Open Sport Earbuds (see below) but are actually a little more comfortable to wear thanks to their swiveling hinge. Like the Bose buds, they rest on the top of your ear just above the ear canal and fire sound into your ears. They're open so they let ambient sound in (that's a plus if you're a runner or biker and want to hear traffic), but their 16.2 mm drivers provide ample bass and volume. They don't sound quite as good as the Bose Open Sport Earbuds but they're pretty close.I liked the case, which is a little big but pretty thin. While it has an integrated USB charging cable (that's nice), like the Bose Open Sport Earbuds case it doesn't have a rechargeable battery so it's basically a dock for charging the earbuds, which are also available in black. Battery life is rated at up to 7 hours and they're IPX5 splash-proof.Some of these types of ear-hook-style earbuds have physical control buttons but these have touch controls. I found they worked pretty well but not great. The buds do have a companion app that allows you to upgrade the firmware and tweak the sound profile.      You're receiving price alerts for Cleer Arc Battery Life Rated up to 8 hours Noise Canceling No Multipoint No Headphone Type Wireless earbuds Water-Resistant Yes (IPX4 -- splash-proof) As far as headphones go, Bose's Sport Open Earbuds are funky. Not to be confused with the company's more traditional in-ear Sport Earbuds and QuietComfort Earbuds, they feature an open design without a tip, meaning the earpiece sits on top of your ear and doesn't penetrate your ear canal. Geared toward runners and bikers who want their ears open to the world for safety reasons -- or to people who don't like to have any sort of bud in their ears -- they sound surprisingly good. I ended up liking them, but their design isn't for everybody, and how comfortable you find them will determine how much you like them. They're IPX4 splash-proof. Read our Bose Sport Open Earbuds review. You're receiving price alerts for Bose Sport Open Earbuds (Black) David Carnoy/CNET Battery Life Rated up to 15 hours Noise Canceling No Multipoint No Headphone Type Wireless earbuds Water-Resistant Yes (IPX8 -- can be fully submerged for long periods of time) While the Tribit MoveBuds H1 only sound decent, not great, there's a lot to like about them. They feel sturdy and are fully waterproof with an IPX8 rating. They also have very long battery life -- up to 15 hours -- and support Qualcomm's AptX audio codec. Many Android smartphones offer AptX Bluetooth streaming.   You're receiving price alerts for Tribit MoveBuds H1 David Carnoy/CNET Battery Life Rated up to 8 hours Noise Canceling No Multipoint No Headphone Type Wireless earbuds Water-Resistant Yes (IPX5 -- protection against low-pressure water streams) If you like the style of the Beats Powerbeats Pro but don't want to spend $150 or so on them, there are plenty of budget alternatives out there. I like the Tranya T40s, which sound quite good for the money, fit comfortably and securely and have good battery life (up to 8 hours). I also like how they have physical buttons for controlling playback and volume rather than touch controls. They're IPX5 splash-proof. Their charging case, which charges via USB-C, doesn't feel terribly sturdy and is somewhat bulky, but in all these are a good value. 

FTX’s Collapse Upends Sam Bankman-Fried’s Washington Play

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Crypto Entrepreneurs Fail to Capture Musk’s Attention With Goat Statue

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