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Can you really “Collect a ‘Cash Rebate’ on Nearly EVERY Single Purchase Made in 2017?”

What's Oxford Club's $42.4 BILLION “Consumer Rebate Program?”

By Travis Johnson, Stock Gumshoe, November 28, 2017

Ed note: this article was first published in 2015, but the ad continues to run and readers continue to ask about it, so we’re re-posting this teaser solution for you today.

What follows has not been meaningfully updated or revised since it was originally published on March 14, 2015, though some minor updates have been made to keep up with the changes in the ad (they no longer claim that “April deadline,” for example, since that has long passed and they’ve moved on from talking up 2016 to 2017 for this ‘rebate’ on your taxes).. and the original comments from readers are still appended. The focus of the ad seems to be largely unchanged (the latest version being sent out now is still dated January 2017), though they’re now focusing on the “rebate” for your 2017 spending instead of 2015 or 2016 in previous versions…. perhaps it will keep popping back up, since it seems to be working to spark interest — which is, of course, the prime intent of any newsletter ad.

Are you really going to get a big ol’ check from the government?

Well, maybe. But it’s not so secret as the Oxford Club folks would like you to believe… and you don’t need them (or their $49 subscription) to learn about it.

You probably don’t need me for that, either, free or not, but quite a few readers have been asking this morning so I’ll try to quickly explain what they’re talking about.

The ad comes from George Rayburn at the Oxford Club…. here’s the basic idea from their ad that got everyone excited:

“119 Million Taxpaying Americans Can Now Get a Cash Rebate on Virtually EVERY SINGLE PURCHASE Made in 2017…

Bloomberg estimates it could put as much as $42.4 BILLION back in the pockets of the 119 million eligible taxpaying Americans.

“Others predict it could be even more.

“According to an article on Fox Business News, there is ‘no limit’ to the size of your ‘cash rebate.’

“If you have a huge spending year in 2017 (even on credit), in rare cases you could conceivably claim upward of $100,000.”

And then they make it sound even more fantastic…

“This is not a joke.

“I’m talking about an opportunity to collect a ‘cash rebate’ on virtually anything you pay for this year.

“A new pair of shoes…

“Your vacation hotel bill…

“Lunch with friends…

“A new leather sofa…

“Plane tickets…

“Christmas presents for the kids…

“Even big-ticket items like an engagement ring… a wedding… or a new car, boat or RV…

“The government is willing to send you cold hard cash for all of it.”

So what are they really talking about? Can you actually get a “cash rebate” from the government just for buying stuff?

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freemoney2Well, sort of. What the Oxford Club is talking about here is the fairly recent opportunity to choose to deduct either state and local income taxes or state and local sales taxes when you file your return with the IRS…. but by “fairly recent” I mean, “passed into law a little over ten years ago.”

This isn’t new.

Wait, but they said Obama just signed it in December!

Yes, but what was signed in December (of 2015) was the “permanentization” of that tax break. For the past ten years, this has been an exception that Congress has voted in each year — but it wasn’t part of the “permanent” tax code, so Congress had to renew it each year.

Now, it’s a permanent part of the tax code.

Which doesn’t mean your tax calculation will be any different this year than it was last year or the year before… but it does mean that you should be able to have more confidence that the tax break will remain on the books.

(There’s a summary of this omnibus/extender tax bill here if you’re interested in more detail… it made a few deductions like this permanent, and extended others for a year or more, but there’s nothing big or new in the bill that I’m aware of beyond that.)

What does this “rebate” (sales tax deduction) really mean?

Well, this is mostly a way that Congress has tried to make Federal taxes more fair — those who itemize deductions on their Federal returns have always been able to deduct state and local income taxes and real estate taxes when calculating what we owe to the Feds (at least, for as long as I’ve been paying attention), but for many folks without state or local income taxes there wasn’t a Federal tax deduction to offset what they pay to keep their local government services running.

Every state has bills they have to pay, and, just as with the Federal government, that money overwhelmingly comes from individual taxpayers (except maybe for you, Delaware… and you, Alaska) — but states can mix up the way they collect taxes, whether they want to put a larger burden on sales, or on property, or on income, or some combination of the three. Florida, for example, can make itself attractive to retirees by not taxing income… and make up for a lot of that with a sales tax that is partially paid by their huge numbers of tourists (though they do have above-average property taxes as well).

There are only nine states that don’t have state income taxes, but some of them are big (or politically powerful), like Texas and Florida, and all of them except New Hampshire and Alaska have state sales taxes… so for residents of those states there is now a new (since 2004, at least) tax deduction: They can deduct their sales taxes just like most of the country deducts their state and local income taxes. It’s right there on your form 1040, Schedule A — question 5 that asks what you paid in state and local taxes, and you enter either (a) income taxes or (b) general sales and use taxes, whichever is higher.

And yes, as you can imagine, the recordkeeping obligation could easily be overwhelming if you were expected to keep all your receipts for stuff on which you paid sales taxes… 18 cents at CVS for that box of tissues, $11.83 for your dinner at the restaurant, etc. — but the IRS, thankfully, has made it quite a bit more simple than that. They have a website with a handy-dandy calculator that you can use to provide an estimated and “IRS approved” number for your state and local sales taxes, based on your income level and your zip code. You can even add on to that for a few specified large purchases — primarily vehicles or homes (ie, cars, boats, planes, RVs, new home or substantial addition or renovation if you pay normal sales tax on it… not all places tax homes and construction the same way). Or, of course, you can actually try to figure the real number on your own if you think your spending is well above average… but for that, you’d need to have documentation since you’re not going with the average estimates the IRS calculates for you.

It might even be worth looking into for folks who do pay state and local income taxes, since it’s possible that if your taxable income was relatively low but your purchases were relatively large the sales tax burden could have been larger than the income tax burden for any given year.

I am NOT NOT NOT a tax expert — I hire an accountant to do my taxes, and when my tax situation was simpler I used TurboTax. If you use any sort of assistance, either human or software, to do your taxes, then you’ll very likely have already had these numbers checked for you in past years and it will be part of your calculations for 2015. This is, I assume, a very basic consideration for almost anyone who itemizes their deductions, it’s not a secret or a surprise…. though I suppose some folks might have overlooked it.

My guess (again, NOT an expert) is that the biggest group who might have missed this tax break over the past decade are those who retired to Florida recently and who do their own taxes without any help or computer support and aren’t accustomed to the sales tax deduction… or those who have relatively low taxable income (like some retirees, for example) but who made a large purchase, like a retired couple who lives in Massachusetts and pays state income tax but has relatively low income because their investments didn’t do well and they withdrew the minimum from their retirement accounts. If they use some of their nest egg to buy a $100,000 RV, they could have higher sales taxes than income taxes for that given year and perhaps skipped over that “did you buy anything big this year” question from their preparer at H&R Block because they didn’t think it was important (assumptions: a couple with $55,000 in income would pay about $2,500 in income tax in MA and only about $500 in calculated sales taxes… but the $6,000 sales tax on a $100,000 RV would push them to the sales tax deduction for that year). Both those hypothetical examples are well within the core marketing demographic for the Oxford Club, which, like all investment newsletters, doubtless finds its most fertile hunting ground among the relatively affluent Americans who are retired or near-retirement.

You do have to itemize your deductions to get this tax deduction — just as you do with the existing real estate or income tax deductions. Most Americans with low-to-medium income levels don’t itemize deductions on their taxes (only about 30% of households itemize, on average) — and in some cases might overpay just because they’re unaware of existing breaks that could push some of them over the standard deduction, or simply don’t have the time or acumen to follow TurboTax (or other) instructions for a couple hours to see if there’s something they’re missing. It’s really not until you get to incomes of close to $100K that everyone (or 95%+, at least) takes full advantage of itemizing. The sales tax deduction is probably not likely to be enough to push you over the line from “standard deduction” to “itemizing” all by itself if you’re “average,” though it might help push you over the line if you also do have a mortgage or other substantial deductions (medical costs, theft, property damage by natural disaster, etc.)

I just did the IRS sales tax calculations for myself — and, as expected, the IRS calculates that I pay far more in state income taxes than I do in sales taxes… and I haven’t made any massive purchases to erase the difference (no Ferrari, no RV, etc.), so no surprises: I still deduct my state income taxes. (I live in Massachusetts, state sales tax is about 6.25% and income tax 5.15% — you don’t need to know that for the calculator, the IRS knows your state tax rates).

And you’ll be pleased to know that this is one case where the calculating is pretty easy — just go to the IRS Calculator here and follow the steps. They say it will take five to 20 minutes, but you’d have to read pretty slowly or look up all the numbers from your files to have it take more than five minutes — getting a rough estimate will take you no time at all.

So there you have it — I expect lots of you were already fully aware of this, or blissfully unaware because it will never impact on your lives or your tax obligations, but it is real and it has certainly made a difference for folks in no-income-tax states and a few other folks in non-typical circumstances. And it’s also been the law of the land for about ten years, and has recently been made permanent so you won’t have to be on pins and needles each Winter as you watch to see if Congress extends the break another year.

To reiterate: I am not a tax expert, I don’t even do my own taxes… but this particular one is fairly simple. And no, it is not a “rebate to 119 million Americans”… but for at least the 24 million or so households in “no income tax” states (or the ~8 million of them who itemize deductions, anyway) it could certainly make (and in all cases where they’ve been paying attention since 2004, probably already has made) a difference on their tax returns.

So there’s your quick answer for the day — yes, there are newly permanent tax deductions out there that you can call “cash rebates” if you want to do some exaggerating… and no, it’s probably not anything new for you (but it will only take five minutes to double check).

And that is, of course, not the only “special secret” the Oxford Club folks are peddling — they’ve come up with a few dozen things that seem, on the face of it, to be exaggerated variations on things that any financial planner or retirement advisor would tell you…

401(k) Secret #4: How to Keep the Government From Taking a 20% Cut of Your 401(k)” is presumably the quite common advice, “don’t cash out your 401(k) instead of rolling it over, because it will cost you 20%.” I hope most folks know that, but I know plenty of folks who left jobs when they were young and let their employer send a check to them for their small 401(k) balance instead of rolling it over into an IRA, and they missed out on more retirement savings and did pay a tax penalty.

401(k) Secret #2: How to Add $155,000 to Your Account Total” is indeed a tease for anyone nearing retirement — that’s basically their way of saying “read the fee disclosures on your 401(k), because you’re probably getting ripped off by high fees”… which is particularly important for younger workers or those thinking about leaving their 401(k) with an old employer’s plan instead of rolling it over — but if you’ve been paying into a 401(k) for thirty years, you’re not getting those fees back. Here’s a quick piece about that.

401(k) Secret #1: How to Become a 401(k) Millionaire on a $35,000-per-Year Salary” is just a reminder of the common-sense rule: Save more, and regularly, and you can end up with a lot even if your salary isn’t huge. The story that most folks quote about this was in Smart Money four or five years ago, you can see it here… here’s a quote from that article to let you know what that “secret” is:

“Though many savers may be scarred by the past decade of lousy returns, getting to $1 million over the course of a 40-year career should be a manageable goal — even for some lower-income employees, says Greg Burrows, vice president of Principal Financial. Someone who earns $35,000, saves 12 to 13%, including a company match, gets an annual raise of 3.5%, and annual returns of 7% would save a million dollars.”

And there are lots of other hinted-at “free money” kinds of programs, the kind of stuff they used to hawk in late night infommercials as ways to legally steal from Uncle Sam… like this:

Easy Money Secret #4: Get up to $7,500 to Fix Up Your House if You’re Over 62

“If you’re over 62 and planning any sort of specific upgrades to your house… the government might actually GIVE you up to $7,500 to get it done.”

Which, of course, is kinda true — as long as you’re too poor to repay a loan for that kind of work to modernize or renovate your home. That’s the Section 504 Home Loan (and grant) program described here.

And there’s this one: “Easy Money Secret #1: How to Get up to $401,982 in ‘Unclaimed Money’ From the State Treasury” …

… which is just about the unclaimed funds that are often listed in the newspaper or can be searched through state-controlled websites (and some commercial sites that charge fees, so be careful). The Feds have a website linking to various sources here… but the key, of course, is that it has to be YOUR unclaimed money. The example they give for that $401,982 is a butcher outside of DC who got a surprise life insurance settlement and was featured on Inside Edition, though presumably that’s not normal (his father had passed away a decade ago and had a life insurance policy that was never claimed).

We had an unclaimed funds “windfall” a couple years ago as well, which amounted to about an hour of paperwork and something like $50 from some old account that had been forgotten… so there is money out there, but it has to actually be yours and you have to do a little work to search for it and claim it, and oftentimes the amount of money is relatively small (which, perhaps, is why you or your relatives forgot about it at the time). I don’t know what the odds might be of huge amounts of money, but presumably life insurance payments and old retirement accounts would be among the larger sources of the big “surprise” unclaimed funds — so while you’re at it, check out the Insurance Institute’s best practices for updating your own policy, telling your beneficiaries about it, and telling your insurer where to find those beneficiaries.

I didn’t look into all of the “secrets,” but presumably they’re similar in nature — and heck, if you’ve got a favorite “free money” secret, feel free to share it with a comment below.

I can’t imagine you want to discuss taxes, and I can’t provide any great insight, but our friendly little comment box is available below for that, too, if you’re interested in using it… enjoy!

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John Broughton
Member
John Broughton
April 4, 2016 8:41 pm

The statement that ” Since I haven’t itemized on my income taxes in 16 years and my tax software didn’t lead me to the sales tax deduction, I did save more than this year’s charge for the newsletter” is absurd. If a taxpayer doesn’t itemize, then the sales tax deduction IS NOT useful – it’s on Schedule A, which is for ITEMIZATION.

As for “my tax software didn’t lead me to the sales tax deduction”, the sales tax deduction is automatically calculated (using IRS-provided tables), based on one’s income. If the calculated sales tax deduction, plus other allowed Schedule A items, results in the itemized deduction being larger than the standard deduction, then the sales tax deduction IS taken.

What good tax software does is ask about the various components of the standard deduction: medical and dental expenses, taxes paid, interest (primarily mortgage) paid, charitable contributions, casualty and theft losses, and job expenses and miscellaneous deductions. One of those questions should be whether there was a large purchase, such as a vehicle, where there would be sales taxes beyond what the IRS tables provide for.

Once those questions are answered, then the software decides whether it’s best for the taxpayer to itemize or to take the standard deduction. There is no secret way for the taxpayer to tell tax software to include a “secret rebate”. And for those who don’t itemize – the large majority of taxpayers – the amount of sales tax paid is irrelevant.

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Tony
Member
Tony
April 4, 2016 9:45 pm
Reply to  John Broughton

John, I am sorry you misunderstood me. I had not itemized for the LAST 16 years until THIS year(2015). So, maybe I answered the software question incorrectly since I didn’t know that sales tax was now itemized. So it is NOT absurd that I got the deduction now thanks to the Oxford Special report.
You sound like a perfect fit for a liberal organization as AARP. I just feel sorry for those people that have to put up with such a wise ass as you, since my tax software didn’t “automatically” calculate anything for schedule A form that I didn’t input. Until I used the secret form that The Oxford Club led me to on the IRS website, did I receive my SECRET tax deduction. AARP should oversee whom they sic on the stupid public better than they do even if it is free. But I guess the old adage is true–you get what you pay for.

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rac4plt
Member
rac4plt
April 11, 2016 2:44 am
Reply to  Tony

Tony, lighten up a little. John obviously needed to show his superior understanding of the whole tax and software issue. He just thought a little public humiliation would be good for your obvious lack of tax knowledge. Obviously from your reply, you were not Too damaged from the attack. However, I doubt that you know John well enough to call HIM a wise ass, you may even have bruised your own stature by stooping to call John, a wise ass. Perhaps it would have been far less offensive to have said he was “acting in a wise ass Manner”. So now Tony, you should be far better educated on “tax matters, And the etiquette of rebuttal” . – don’t you agree, or perhaps Not.?

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Tony
Member
Tony
April 11, 2016 8:51 am
Reply to  rac4plt

rac4plt, I doubt that you know me well enough to think I needed an ass like John to tell me about the tax code. I forgot more about the tax code than you or John will ever know. Maybe you & John can get together and have lunch, since you both like acting in a wise ass Manner! Don’t you agree? Now, I feel better about my “etiquette of rebuttal”. Thanks for educating me! Not!

Patricia
Guest
Patricia
April 14, 2016 1:20 pm
Reply to  Tony

Tony, I still don’t understand your comment…are you saying that for 10 years AARP didn’t ask you some screening questions to see if you should itemize? Or are you saying that you used software to do your taxes? Either should have seen whether you were in a position to itemize. Even if you didn’t use either and tried to do it on your own, there’s a list of questions to guide you to help you decide if you can at least try the deductions – it’s no secret. The sales tax deduction is old. I know what you are saying about AARP, though: Any group that tries to help people out, especially oldsters, is a group of pinko-commies, and anyone who supports them just has to be a smart-ass. Personally, I will look into the IRS’s free software next year. Why pay Inuit if it’s paid at the IRS site? Didn’t my taxes help support that service?

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CHRISTY LOWRY
Member
CHRISTY LOWRY
April 6, 2016 10:56 am

This is my first time on your site. I find it most helpful. Whether Stansberry and Associates or Oxford Club, whenever I’ve requested analyses of these offers, I consistently get the “publications and authors do not offer individual financial, investment, medical or other advice” line. When I reply that I’m not requesting financial advice, just clarifying info. to help me make up MY OWN MIND, I either get a repeat of their disclaimer, or they ignore me. While you legally have to include that disclaimer, I appreciate your still giving straightforward info., along with your readers’ input. Keep up the good work!

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SoGiAm
April 6, 2016 12:29 pm
Reply to  CHRISTY LOWRY

Welcome to Stockgumshoe.com Chrisy. For a measly 13 1/2 cents/day, you get to see what’s under the hood 🙂 The best investment I ever made. And the camaraderie is 2nd to none 🙂 Best2You-Benjammin’

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rac4plt
Member
rac4plt
April 11, 2016 2:57 am
Reply to  SoGiAm

Thank you for a nice welcome to. Chrisy.

I think Stock Gumshoe is a great site also.

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mesa1546
mesa1546
August 26, 2016 1:53 pm
Reply to  CHRISTY LOWRY

You need to be an “irregular” like so many of us. You will even be more amazed at Travis’s insights, funny comments & short version of the tease. He is one of a kind & will save you lots of money in the end. Gumshoe Irregular Forever!!

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Ronald A. King
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Ronald A. King
April 6, 2016 8:55 pm

One item of note; these are DEDUCTIONS, NOT credits. If you have NO taxable income there is no refundable monies for you.

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Ed Szalankiewicz
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Ed Szalankiewicz
April 8, 2016 4:46 pm

This whole idea is simply an exaggeration of a very simple tax rule that you can EITHER claim local and state tax deductions as a deduction OR you can use sales tax either “actual” (with proof of receipts) or estimated (IRS calculation method) as your deduction on your itemized schedule A. The ONLY WAY this gets you a dime is if you live in a state or a local municipality that does not charge ANY local taxes. IF you do pay local taxes — Usually they are MUCH LARGER than the IRS calculated method. If you made extremely large (and documented) purchases — then you might have a greater deduction. This presentation by Oxford is pure hyperbole. All the tax services and the greenest accountant understand this — its is certainly NOT a secret.

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Thomas Thomas
Guest
Thomas Thomas
April 10, 2016 10:24 am

I just listened to Mr. George Rayburn’s presentation for the Oxford Club. Some one commented that he is a master of hyperbola and the use of a bit of obfuscation. I actually considered investing the $49 for these reports because they had a guaranteed refund. However, before I subscribed, I did a little research and came across this article in the Stock Gumshoe and decided not to go with Oxford and the hassle of getting a refund.

However, Mr. Rayburn kept referring to the April 18th deadline (which did add a level of urgency to his presentation, especially to someone who, like me, is a perpetual user of automatic extension) because in all the years of filing in August I have never seen any IRIS deduction that was lost if an extension was used. However, since this program was made permanent last year, I thought it might be possible that it was added at that time. In the 1000 to 1 chance that this did happen, can someone please confirm they have not excluded the sales tax deduction when a extension was is used – after all the IRIS has done weirder things in the past?

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John Broughton
Member
John Broughton
April 10, 2016 7:55 pm
Reply to  Thomas Thomas

I can confirm that the only thing that changes on April 18th – with respect to a 2015 tax return – is that you’re subject to a late-filing penalty if you don’t file an extension by April 18th, and you’re subject to late-payment penalties if you owe money when you eventually file your tax return – the IRS expects you to make a best-guess payment if you file an extension.

I’ve done hundreds of tax returns in the past few years; the only thing that taxpayers need to know with respect to when they file their taxes, other than the late filing and late payment penalties and interest, is that IF they have a refund due, they MUST file within three years of the filing deadline to get that refund. So, for the 2015 tax year, if you don’t file by April 18, 2019, then you can’t get a refund, no matter what the bottom line is on your tax return.

Tony
Member
Tony
April 11, 2016 8:36 am
Reply to  John Broughton

John, there you go again! Bloviating on and on when a one sentence answer would have sufficed. For example, any deduction you are entitled to on April 18th, you are also entitled to when you file your extension in August.
You have some serious issues with needing people to think you are smart. I bet your dad called you meathead when you were growing up, but that would be mean of me to say. It just rubs me the wrong way every time you speak.
Thomas said he files an extension every year. Why do you think he doesn’t KNOW that he has to still pay taxes due by April 18th ? That’s why I called you a wise ass or should I say “acting in a wise ass MANNER” like my friend rac4plt suggests.

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Donna Parsons
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Donna Parsons
April 12, 2016 12:38 am
Reply to  Tony

John, so why is it that you can’t get a refund after 10 yrs. but you still have to pay them if you owe after then?

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Donna Parsons
Guest
Donna Parsons
April 12, 2016 12:38 am
Reply to  Donna Parsons

sorry, not sure where I got 10 – 3 yrs.

John Broughton
Member
John Broughton
April 12, 2016 8:46 pm
Reply to  Donna Parsons

Obviously the tax code isn’t ever going to let a taxpayer evade payments by simply not filing within a specific number of years. So the real question is why a taxpayer also doesn’t have forever to file for (and get) a refund. And the answer is that Congress decided that there would be a limit – https://www.law.cornell.edu/uscode/text/26/6511 . As to why there is a limit, or why it’s three years, I have no insight into why Congress decided what it did.

russ
Guest
April 11, 2016 5:17 pm
Reply to  Thomas Thomas

well after all the talk I learned not’ta, so if I file 1040 if I’m sent there by the inter-net guru’s of muat’ta san insuring that my income would warrant filling the 1040 in lue of the 1040ez and had bought a new truck, well ok it,s a 2013 if that has a thing to do with it.and a RV. is there a rebate check for me in my future? even if I received a refund from filing the 1040A ? ok so that would be a full refund of all sales tax I had paid. not a reduction of tax that I owe but a cash refund.

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Jeanne
Guest
Jeanne
April 12, 2016 11:03 am

Thank you so much for the information in this article. I should have known.

Doug C
Guest
Doug C
April 12, 2016 9:38 pm

When I started to listen to this Oxford money maker and I mean for them, I just trashed it. I knew it was a scam of sorts, but I do thank you for the explanation and at NO charge. Let this be a lesson to us all, keep away from these companies who promise free money and other trickery. Honest people give the information free.

Joe B
Guest
Joe B
April 14, 2016 5:47 pm

I have learned, I thought, to ignore any of these videos that pop up when saying get soooooo much money owed to you for free. Well, I believe I have finally have learned to trash these type of mailings and NEVER again will I waste my time and thank
God , my money.

Hector
Member
Hector
April 16, 2016 11:36 am

Will leave comment on this article to the experts here, but interestingly did just read this article from Forbes on filing amendment. Could be useful.

Experts? Thoughts and comments on info in this article? 🙂 Items 3 – 7 pertain to amended returns.
http://www.forbes.com/sites/robertwood/2015/02/10/7-reasons-not-to-file-your-taxes-early-even-if-youll-get-a-refund/#4883a5817569
“…3. Try to avoid amending. If you file your return and then receive a 1099 or K-1, what should you do? It depends. “

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B Santoro
Guest
B Santoro
April 16, 2016 4:52 pm

What about the “Saver’s Rebate”??

daniel
Guest
April 25, 2016 3:20 pm

Thank you for exposing those *bleep* and their crock of *bleep*!

Charles Long
Guest
Charles Long
April 25, 2016 3:36 pm

You might notice that if you claim the state sales tax credit and you itemize in one year, then your state tax refund in the next year is NOT taxed by the federal government in that next year. If you make a large purchase on time, say a new car, then you actually pay the tax in the subsequent four years. The tax is rolled into the total purchase price.

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Sherry Young
Guest
Sherry Young
May 1, 2016 1:06 pm

This was fun reading for a Sunday morning. Learned some new words too.

craig davis
Guest
craig davis
May 13, 2016 6:05 pm

We received the same pitch along with the answer awhile ago. We are having some difficulty remembering if this was the answer. It sounds right though.

Jeremy O'Banion
Guest
Jeremy O'Banion
May 14, 2016 12:59 pm

Well if you want us poor guys to invest in your OXFORD CLUB’S you should give us one for free so we can see that you’re for real. And not just a scam. I don’t give two shits about the comments above. You have 49,000 members and they all could be selling your lies for all I know. So you tell me how to do this rebate on the stuff I buy and I will believe. You see I believe a honest man that shares the wealth, not sells it. So what now brother you selling me or do I find that you’re just a rich scam artist with a book to sell???

RM
Member
RM
June 10, 2016 6:13 pm

I assume the Oxford Club, like other Agora publications, only has “new” readers. You cannot put up with their drivel for very long, as through their list of publications, they only tell you what you want to hear. What kind of advice is that?

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Jon Georgeson
Guest
Jon Georgeson
July 14, 2016 3:07 pm

The ring leader of the circus of worthless pawns
Sent to lead the march right up to the steps of Congress
And piss on the lawns of the White House
To burn the casket and replace it with a parental advisory sticker
To spit liquor in the faces of this democracy of hypocrisy

DaveologicalSociety
DaveologicalSociety
July 14, 2016 7:01 pm

…..And let me guess about the Social Security tease included in this same rip roaring report destined to break the government in to bits…….pay it all back since collecting early, and start again at the higher amount. Yes??

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bob
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bob
July 24, 2016 12:34 pm

As I listened to the presentation, I was getting a little inquisitive about the opportunity to get free money….. Nothing is Free.. 50 bucks to join a club and receive the monthly news letter on investments… per the Oxford Club… A littel chancy in my book

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Richard Schurman
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Richard Schurman
July 31, 2016 6:56 pm

Thank you for exposing the hyperbolic BS being presented in most of these info-spams (did I just invent a new term?).
The old cliche ‘there is no free lunch’ certainly applies to this “Oxford Group” and another spammer called National Nutritional Institute or something similar to that. You watch their presentation for 30 minutes to find out they want you to buy or pay for some useless and possibly dangerous treatment for blood pressure, diabetes or whatever.
“There is a sucker born every minute, ” said P.T. Barnum.

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