Rubys Insurance and Taxes Corp.

Feliz día de Independencia

ESTAS BUSCANDO SEGURO DE AUTO A PRECIO BAJO? LLAMA A RUBY INSURANCE AL 714-893-2909ESTAS BUSCANDO SEGURO DE AUTO A PRECIO BAJO? LLAMA A RUBY INSURANCE AL 714-893-2909

Feliz dia del Padre / Happy father's day

Scam Alert Who's really calling? May 4, 2017 by Monica Vaca... Acting Associate Director, FTC The millions of people who reported scams last year told us that imposters were the top fraud of the year. Imposters have called many of us maybe even most of us, pretending to be anyone from the IRS to a family member in trouble, from fake tech help for your computer to a business selling things that turned out to be bogus. Their goal? To get your money as quickly as possible. Thanks to the Legal Aid Society of Hawaii, we recently heard about scammers calling to ask for contributions to the Legal Aid Society and pretending to be from the national legal aid/defenders office. A quick search of the phone number the callers used showed complaints for different kinds of imposter scams. (Of course, scammers can make caller ID show any number even the name that shows up on the display. So don’t rely on caller ID to help you decide if a call is legit.) Imposters can pretend to be anyone, but the twist on this imposter scam is that the scammers are pretending to be from well-respected community service organizations and appealing to your civic spirit. To make sure your donation dollars are doing the good you want them to, learn more about giving wisely. If you get a dubious call, or one that pressures you to donate right away, tell the FTC so we can investigate. We rely on you and our partners in your community to tell us what you’re seeing. In fact, our most recent imposter scam case against a company that pretended to be from a community help center, the government, radio stations, and companies like Walmart came about because of a tip from a legal services group in Washington, DC. So every report, from everyone, makes a difference.

El DMV les recuerda a los automovilistas las nuevas leyes del 2017 Sacramento Con el inminente inicio del Año Nuevo, el Departamento de Vehículos Motorizados de California (DMV) desea informar al público sobre varias leyes nuevas o cambios a las leyes existentes que entrarán en vigor el 1 de enero de 2017, a menos que se especifique lo contrario. Los siguientes son resúmenes de algunas leyes relacionadas con el transporte que entrarán en vigor. Dispositivos Inalámbricos ...Continue reading

New California laws that will affect you in 2017 Use of Wireless Electronic Devices: Motorists are no longer permitted to hold a wireless telephone or electronic wireless communications device while driving a motor vehicle. Rather than holding the device, it must be mounted in the 7-inch square in the lower corner of the windshield farthest removed from the driver or in a 5-inch square in the lower corner of the windshield nearest to the driver. Another option is to affix the... device to the dashboard in a place that does not obstruct the driver’s clear view of the road and does not interfere with the deployment of an airbag. The law does allow a driver to operate one of these devices with the motion of a single swipe or tap of the finger, but not while holding it.

Minimum Wage Increase A bill that will increase the minimum wage in California to $15 per hour by 2022. The Governor’s action makes California the first state in the nation to commit to raising the minimum wage to $15 per hour statewide. Large businesses with 26 or more employees will begin complying in 2017 and will reach $15 per hour in 2022. Small businesses with 25 or fewer employees will not be required to begin the scheduled increases until 2018 and will have until 2023... to reach the $15 per hour rate. Once the minimum wage reaches $15 per hour for all businesses in 2023, wages could then be increased each year up to 3.5 percent (rounded to the nearest 10 cents) for inflation, as measured by the national Consumer Price Index.

Merry Christmas/ Feliz Navidad

Thanksgiving is a time to stay with family and the people who you want to give thanks to. Make this holiday special and one to give thanks for

Buy-Smart Tips at Car Dealerships Shopping around for a new or new-to-you used car can be exciting. But before you step on the lot, be mindful of a few sales tactics and how to ensure you stay in control. Doing some homework ahead of time can help you buy in confidence. Mixed Negotiations... Also known as the "four square" method, this sales tactic combines multiple, unrelated factors into a single transaction. The sales manager writes the price of the car, the down payment, trade-in value and the desired monthly payment into four boxes. If you want a certain trade-in price or a set monthly payment, other numbers may increase to compensate. How to prepare: Shop your trade-in around multiple dealerships to get an estimate of its true value, and know not to negotiate based on your desired monthly payment.1 Inflated Interest Rates Some car dealerships may advertise a certain interest rate, then make a last-minute change to financing.1 How to prepare: Secure a car loan through a bank or other outside party and come to the dealership with pre-approval in hand. Know your credit score beforehand so you’re confident about what you can afford, and triple-check all numbers in your paperwork.2 Spot Delivery Some car buyers have driven a car off the lot without securing financing. This means that a few weeks later, the car dealership could call to say the loan application was rejected and that they need new paperworkwith a higher interest rate or down payment. How to prepare: Never sign a deal or drive away in your new car if you don't see your interest rate written down.3

IR-2016-143SP, 28 de octubre de 2016 Algunos reembolsos se retendrán hasta al menos el 15 de febrero Debido al cambio de la Ley PATH, algunos contribuyentes recibirán sus reembolsos más adelante. La nueva ley requiere que el IRS retenga el reembolso de cualquier declaración que reclame el crédito tributario por niño adicional (ACTC) o el crédito tributario por ingreso del trabajo (EITC) hasta el 15 de febrero. Por ley, el IRS debe retener el reembolso completo, no sólo la par...te relacionada con estos créditos del EITC o ACTC. Incluso con este cambio, los contribuyentes deberán presentar sus declaraciones como normalmente lo harían. Ya sea que reclamen el EITC o ACTC, el IRS advierte a los contribuyentes que no cuenten con obtener un reembolso en una fecha determinada, sobre todo al hacer grandes compras o pagar otras obligaciones financieras. Aunque el IRS emite más de nueve a 10 reembolsos en menos de 21 días, algunos reembolso se retendrán para revisión adicional.