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Beware: Tax companies trick customers with ads that say their services are free

Beware: Tax companies trick customers with ads that say their services are free

On Dec. 30, the IRS announced it was revamping a long-standing agreement with the online tax preparation industry in which companies offer free filing to people with incomes below certain levels, a category that includes 70% of filers.

The change in what's known as the Free File program came in the wake of multiple ProPublica articles that revealed how the companies in the program steered customers eligible for free filing to their paid offerings. Under the updated agreement, the companies are now prohibited from hiding their Free File webpages from Google searches, and the IRS was allowed to create its own online tax-filing system.

So far, it seems, the companies are abiding by their promise to make their Free File webpages visible in online searches. But the updated agreement appears to have a loophole: It doesn't apply to advertising. Nothing in it, the agreement states, "limits or changes the rights" of participating companies to advertise "as if they were not participating in the Free File program."

As a result, companies like Intuit, whose TurboTax is the top tax prep software, continue to confuse some customers who seek free tax prep into paying. Today, Google searches for "free tax filing" and other similar phrases still yield ads for a plethora of products such as TurboTax's "Free Edition" (its ads promise "100% Free Tax Filing"), which lead customers to pay fees if they don't have simple returns.

Mike Mozart / Flickr

TurboTax's version of Free File — the one that doesn't charge customers anything — typically won't appear until the second page of search results.

Intuit increased its monthly online ad spending noticeably between January 2019 and January 2020, according to search analytics firm Ahrefs. Intuit places its ads strategically in searches for "IRS" and "free file," among thousands of related search terms.

(Ahrefs makes estimates based on search data; it doesn't purport to capture exact numbers but rather to track the general magnitude and direction of the spending.) Ahrefs and a second search analysis firm, SEMRush, say TurboTax spends more on digital ads than competitors TaxAct, TaxSlayer and H&R Block combined.

Intuit does not advertise its Free File offering on Google, according to SEMRush and Ahrefs. (Tax Time Allies, which is funded by Intuit, does advertise Free File, according to Intuit. SEMRush and Ahrefs estimate that spending is a fraction of what Intuit spends on Free Edition.)

Outside of the advertising realm, TurboTax still appears to favor products like Free Edition. So-called organic links to Free Edition appear ahead of links to Free File in many searches, data from SEMRush and Ahrefs shows. TurboTax accomplishes that, search engine optimization expert Rhea Drysdale said, in part by inserting keywords — the word "free" is used 54 times on Free Edition's webpage. By comparison, Drysdale said, the TurboTax Free File landing page uses "free" 19 times.

Google's algorithms are both secret and complicated, so SEO experts can't say for certain why one link appears above another one. But there are many common SEO tactics that TurboTax can use to ensure its Free Edition appears above the Free File program.

"My belief is that you can control a lot [with SEO] within reason," Drysdale said. "Using technical innovations in Google and understanding user behavior, you can see tremendous results from it." Intuit, she added, doesn't "have to do a lot" because it's "such a large player in the field."

via Pro Publica

An Intuit spokesman, Rick Heineman, said the SEO and advertising estimates cited in this article "are not nearly accurate." He added, "Rather than trying to hide Free File as ProPublica has inaccurately claimed, last year TurboTax did more than anyone else to promote it. … Intuit has for two decades provided free tax preparation and has helped taxpayers file more completely free tax returns than all other tax prep software companies combined, including 13 million totally free returns last year alone."

Google's policy bars misrepresentation in ads. It states that advertisers must "clearly and conspicuously disclose the ... full expense that a user will bear." According to a Google spokesperson, TurboTax's ads do not violate its terms. The spokesperson said Google requires advertisers to disclose "criteria for any free offers." TurboTax discloses that Free Edition applies only to "simple tax returns" on its landing page.

Whether it's a question of advertising or SEO, the result seems to be that some low-income taxpayers who qualify to file for free are still paying for TurboTax this tax season — even after the change in the agreement with the IRS. Lyle Hill, a warehouse worker in Georgia with an adjusted gross income of $10,390 last year, said he was looking to file his taxes for free, but he got confused and ended up paying $120 to file his federal and state taxes through Free Edition.

Intuit, he added, declined to refund his fees when he subsequently told the company he'd been steered into a paid option when he'd wanted the free one. Alvyn Velazquez, a student in New York, recounted a similar journey that ended with him paying $120 after going through the Free Edition portal.

Max Miller, an Arkansan who was self-employed in 2019, also encountered difficulties. Miller said he had sought free filing for four years in a row and each time ended up paying TurboTax for Free Edition. After reading ProPublica's reporting last year, Miller intentionally searched for the Free File program in January — and he still struggled to find it online. "Even when I was looking for Free File," he said, "it still wasn't coming up."

Alongside its online ad campaign, Intuit also has three active, national television advertisements for Free Edition that have aired more than 12,000 times since premiering in January 2019, according to metrics from iSpot.tv, a company that tracks TV advertisements. And on Facebook and Instagram, there are more than 500 active advertisements that mention the word "free" and redirect users to download the TurboTax app — in which users cannot access Free File — and to the Free Edition landing page.

An audit released on Feb. 3 by the Treasury Inspector General for Tax Administration found that last year, 14 million people who qualified for Free File instead paid what ProPublica estimated could amount to about $1 billion in tax prep services to various companies.

The article was originally published by Pro Publica and was written by Will Young.

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Airbnb host finds unexpected benefits from not charging guests a cleaning fee

Host Rachel Boice went for a more "honest" approach with her listings—and saw major perks because of it.

@rachelrboice/TikTok

Many frustrated Airbnb customers have complained that the separate cleaning fee is a nuisance.

Airbnb defines its notorious cleaning fee as a “one-time charge” set by the host that helps them arrange anything from carpet shampoo to replenishing supplies to hiring an outside cleaning service—all in the name of ensuring guests have a “clean and tidy space.”

But as many frustrated Airbnb customers will tell you, this feature is viewed as more of a nuisance than a convenience. According to NerdWallet, the general price for a cleaning fee is around $75, but can vary greatly between listings, with some units having cleaning fees that are higher than the nightly rate (all while sometimes still being asked to do certain chores before checking out). And often none of these fees show up in the total price until right before the booking confirmation, leaving many travelers feeling confused and taken advantage of.

However, some hosts are opting to build cleaning fees into the overall price of their listings, mimicking the strategy of traditional hotels.

Rachel Boice runs two Airbnb properties in Georgia with her husband Parker—one being this fancy glass plane tiny house (seen below) that promises a perfect glamping experience.

@rachelrboice Welcome to The Tiny Glass House 🤎 #airbnbfinds #exploregeorgia #travelbucketlist #tinyhouse #glampingnotcamping #atlantageorgia #fyp ♬ Aesthetic - Tollan Kim

Like most Airbnb hosts, the Boice’s listing showed a nightly rate and separate cleaning fee. According to her interview with Insider, the original prices broke down to $89 nightly, and $40 for the cleaning fee.

But after noticing the negative response the separate fee got from potential customers, Rachel told Insider that she began charging a nightly rate that included the cleaning fee, totaling to $129 a night.

It’s a marketing strategy that more and more hosts are attempting in order to generate more bookings (people do love feeling like they’re getting a great deal) but Boice argued that the trend will also become more mainstream since the current Airbnb model “doesn’t feel honest.”

"We stay in Airbnbs a lot. I pretty much always pay a cleaning fee," Boice told Insider. "You're like: 'Why am I paying all of this money? This should just be built in for the cost.'"

Since combining costs, Rachel began noticing another unexpected perk beyond customer satisfaction: guests actually left her property cleaner than before they were charged a cleaning fee. Her hypothesis was that they assumed she would be handling the cleaning herself.

"I guess they're thinking, 'I'm not paying someone to clean this, so I'll leave it clean,'" she said.

This discovery echoes a similar anecdote given by another Airbnb host, who told NerdWallet guests who knew they were paying a cleaning fee would “sometimes leave the place looking like it’s been lived in and uncleaned for months.” So, it appears to be that being more transparent and lumping all fees into one overall price makes for a happier (and more considerate) customer.

These days, it’s hard to not be embittered by deceptive junk fees, which can seem to appear anywhere without warning—surprise overdraft charges, surcharges on credit cards, the never convenience “convenience charge” when purchasing event tickets. Junk fees are so rampant that certain measures are being taken to try to eliminate them outright in favor of more honest business approaches.

Speaking of a more honest approach—as of December 2022, AirBnb began updating its app and website so that guests can see a full price breakdown that shows a nightly rate, a cleaning fee, Airbnb service fee, discounts, and taxes before confirming their booking.

Guests can also activate a toggle function before searching for a destination, so that full prices will appear in search results—avoiding unwanted financial surprises.


This article originally appeared on 11.08.23

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Woman who moved to Italy lists the most basic human needs Americans now have to pay for

Remember when these things used to be free? They still are in some places.

Representative image from Canva

If you're feeling like everything is just out of reach, you're not alone.

How many times have you, or someone in your circle, made this joke:

“I can’t seem to go outside without spending money!”

But, as with many jokes, there’s some dark truth layered in. Life just feels a little hard right now for many of us when it comes to finances. And one person has hit the nail on the head as to why. Spoiler alert: it probably has nothing to do with anyone being lazy.

Amber Cimiotti, a mom of two and expat living in Italy, begins her video by noting how America has removed naturally occurring activities like “exercise, talking to friends, connecting with people, spending time with our kids,” from everyday life. And so now, Americans only have access to these very necessary things if they are able to pay for them.

For example—let’s talk about exercise. Cimiotti notes how "there's not many places, neighborhoods, and cities where it's super easy to walk everywhere, where you can get a lot of natural exercise, whether it's walking to and from your house or to the grocery stores. This just doesn't exist for most people now, so you have to wake up earlier on your lunch break or after work; you have to go to the gym so you can get in your exercise." Which means someone has to have anywhere between $40 to upwards of $300+ a month to invest in their physical health in this way.

Next up—mental health resources, primarily in the form of real conversations in a supportive community. Cimiotti says “people are meant to share their struggles, their stories, everyday, constantly. And we’re not doing that. And what do you see happening? Nowadays, everybody needs a therapist. Yes, therapy is needed for some things but most people just need to be talking to people way more. And I don’t mean like trolling on the internet.”

Also—child care. "There used to be kids running around neighborhoods all the time. Parents didn't have to pay all this extra money to do activities so their kids can be involved in things; parents didn't have to drive all over the place... But now that doesn't exist. So we do need to pay for activities,” Cimiotti says.

Lastly—food. “Eating healthy food in America is a part-time job, if not a full-time job…it would all be so much easier if we just had healthy food in general.” I don’t think Cimiotti needs to convince anyone here that quality food (food in general, really) is definitely not accessible for many folks, and high prices are at least partially to blame.

“The point is when things don’t happen naturally in your day and you need to take extra energy to achieve basic things like healthy food, exercise, talking to friends, which helps regulate emotions and things like that…when you have to build those into therapy sessions, exercise sessions, hobbies, reading 17 books…of course you’ll be tired,” Cimiotti concludes with a big sigh.

@ciaoamberc #america #culture #family #friends #parenting #society ♬ original sound - Ciao AmberC

Down in the comments, people seemed to really resonate with what Cimiotti had to say.

One reader commented, “I’m totally convinced that a lot of therapy effects could be achieved by processing time with an array of friends in different stages of life. Which isn’t possible to mutually schedule like therapy.”


And while Cimiotti’s video might be sobering, she tells Buzzfeed that her hope is it can lead to more conversations that “help lead to a change.”

Judging by some of the viewer reactions, it seems she’s succeeded, at least in helping people not blame themselves for their challenges. One person shared, “It’s so validating to hear cause I feel like I never have enough time to just live well and not be completely exhausted and have space left to do fun stuff!”

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Sorry, Labradors. After 31 years, America has a new favorite dog.

The American Kennel Club has crowned a new favorite.

via Pixabay

A sad-looking Labrador Retriever

The sweet-faced, loveable Labrador Retriever is no longer America’s favorite dog breed. The breed best known for having a heart of gold has been replaced by the smaller, more urban-friendly French Bulldog.

According to the American Kennel Club, for the past 31 years, the Labrador Retriever was America’s favorite dog, but it was eclipsed in 2022 by the Frenchie. The rankings are based on nearly 716,500 dogs newly registered in 2022, of which about 1 in 7 were Frenchies. Around 108,000 French Bulldogs were recorded in the U.S. in 2022, surpassing Labrador Retrievers by over 21,000.

The French Bulldog’s popularity has grown exponentially over the past decade. They were the #14 most popular breed in 2012, and since then, registrations have gone up 1,000%, bringing them to the top of the breed popularity rankings.

The AKC says that the American Hairless Terrier, Gordon Setter, Italian Greyhound and Anatolian Shepherd Dog also grew in popularity between 2021 and 2022.

The French Bulldog was famous among America’s upper class around the turn of the 20th century but then fell out of favor. Their resurgence is partly based on several celebrities who have gone public with their Frenchie love. Leonardo DiCaprio, Megan Thee Stallion, Alexandra Ocasio-Cortez, Reese Witherspoon and Lady Gaga all own French Bulldogs.

The breed earned a lot of attention as show dogs last year when a Frenchie named Winston took second place at the Westminster Kennel Club Dog Show and first in the National Dog Show.

The breed made national news in early 2021 when Gaga’s dog walker was shot in the chest while walking two of her Frenchies in a dog heist. He recovered from his injuries, and the dogs were later returned.

They’ve also become popular because of their unique look and personalities.

“They’re comical, friendly, loving little dogs,” French Bull Dog Club of America spokesperson Patty Sosa told the AP. She said they are city-friendly with modest grooming needs and “they offer a lot in a small package.”

They are also popular with people who live in apartments. According to the AKC, Frenchies don’t bark much and do not require a lot of outdoor exercise.

The French Bulldog stands out among other breeds because it looks like a miniature bulldog but has large, expressive bat-like ears that are its trademark feature. However, their popularity isn’t without controversy. “French bulldogs can be a polarizing topic,” veterinarian Dr. Carrie Stefaniak told the AP.

american kennel club, french bulldog, most popular dog

An adorable French Bulldog

via Pixabay

French Bulldogs have been bred to have abnormally large heads, which means that large litters usually need to be delivered by C-section, an expensive procedure that can be dangerous for the mother. They are also prone to multiple health problems, including skin, ear, and eye infections. Their flat face means they often suffer from respiratory problems and heat intolerance.

Frenchies are also more prone to spine deformations and nerve pain as they age.

Here are the AKC’s top ten most popular dog breeds for 2022.

1 French Bulldogs

2 Labrador Retrievers

3 Golden Retrievers

4 German Shepherd Dogs

5 Poodles

6 Bulldogs

7 Rottweilers

8 Beagles

9 Dachshunds

10 German Shorthaired Pointers


This article originally appeared on 03.17.23

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Tennessee senator goes viral holding her baby during debate over bill to arm teachers

London Lamar did not hold back.

Tennessee General Assembly

Tennessee state senator gives fiery speech on arming teachers

Every once in a while a state's bill will make a blip on national media that causes people to dig a little deeper into what's happening. One such bill made headlines last year for a brief time before a new bill from another state took it's place.

After a tragic school shooting in the state of Tennessee where six people were killed, including three young students, state politicians began talking about arming the teachers. The idea was if teachers were armed then they would be able to stop school shooters, but the bill was widely unpopular among teachers and many parents. That didn't stop the state legislature from drawing up the bill and putting it up for a vote April 2024.

Many parents showed up to Tennessee State Senate to protest the bill, but it was the fiery speech of State Senator London Lamar that has people talking.

The new mom held her infant son in her arms while she addressed her colleagues who saw fit to laugh after moms protesting the bill were asked to leave. Lamar did not hold back in not only expressing her disappointment in her colleagues behavior but their disregard for very real concerns that she also shares with the people asked to leave.

"We are literally talking about arming educators who took an oath to teach our kids writing and arithmetic and how they can one day contribute to Tennessee's great economy, and we're now turning them into law enforcement agents by arming them with guns. We think this piece of legislation is going to keep kids safe which is probably going to enable the next school shooter, and it's not going to be someone coming in from the outside. It's unfortunately going to be a teacher with this piece of legislation," Lamar declares.

You can watch her passionate speech below:

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Pop Culture

Pet parent recreates Taylor Swift's 'Fortnite' video starring their dog and it's epic

"THIS NEEDS MORE ATTENTION”

@iamcalledlucas/Instagram, used with permission

We need every Lucas version of Taylor's songs.

Sure, Taylor Swift did a great job at writing, performing in and directing her “Fortnite” music video (which has only dropped a couple days ago and already at over 30 million views)…but you know what could make it even better? Having a dog perform all the parts, that’s what!

And that’s exactly the treat we received, thanks to an adorable dachshund named Lucas.

The clip (aptly titled “Fortnight (Lucas’ version)”) recreates the music video’s black-and-white typewriter scene, where the camera alternates between a moody Swift and Post Malone clacking as they lament about how much love is “ruining” their lives. you know, basic tortured poets stuff.

Only this time, Lucas plays both the roles—costumes as all! Major kudos to Lucas’ parent, who clearly has an eye for detail and camera angles. Both the original video and Lucas’ video play simultaneously so you can really see how similar they are.

“I look like @taylorswift in this light, i’m lovin’ it 🤭🤍,” the clip caption says.

Watch below. Spoiler alert: get ready to see little doggy paws in lace gloves.

Down in the comments, people were enthralled.

One person wrote, "THIS NEEDS MORE ATTENTION”

"Magical!!!!!!!" another added.

Though clearly Lucas’s is a whole ‘nother level of Swiftie, is he not the only dog to be a fan. In an experiment produced by WoofWoof, dogs were “visibly more relaxed” by her music than other artists in the study. Her songs got more tail wagging and even more “howls of approval.” That’s right, her music transcends species.

Just like Taylor Swift, Lucas has many, many more music videos where they came from, including “The Archer,” “Hoax” and “You Belong with Me.” And just like Swift, he outdoes himself with every new project.

Check out even more of his content on Instagram and TikTok.

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