All right. Good morning everybody. Shane here from the Brookings Home Team, powered by Century 21. And it is Episode 2, 3, number 23; the first one of 2018. And I got my friend Emmy here from Dakota Land. She is going to talk about today's Monday Morning Mortgage Tip; like I said, the first one for 2018. If you have any questions for Emmy after this video, or during any time, feel free to reach out to her. I'll have all of her information as normal, on the top, on the bottom, on the sides, wherever you can find it on your device there. You'll be able to reach out to Emmy and re at Dakota Land with any questions. And again, as always, if you have any questions throughout the week that you'd like to be answered, feel free to put them in the comments as well. So we'd be happy to talk to you and answer those on our next episode. So, with that, Emmy, take it away. What's the tip for today?

- Our tip for today is, given the time of year, the tax season; we're gonna talk about some tax scams to be aware of. The biggest one is the IRS impersonation scam. - Yeah. - So the IRS always calls, supposedly the IRS anyways, always calls and they may give a fake badge number, even, and they'll sometimes try to solicit personal information from you, or they'll try to demand payment right away, using prepaid cards, or debit cards, or credit cars, or anything like that. So be aware of that one. Another one is that the W2 scam. If you work in payroll or human resources, sometimes people will try to solicit employee's W2s to get fraudulent tax returns done in their names. The other one that we have is one targeting actual tax professionals. So, these people try to basically call up your tax professional, get personal information from you to reduplicate taxes, or fraudulent tax returns being done in your name. So, always remember, it's better to file your taxes early, just and case they do try to reduplicate. That way, it's already run under your social. They can see that you've already filed a tax return for the year. Some other tell tale signs of an IRS scam are, they'll never demand payment right away. You're always able to appeal the amount, if you don't think it's right. They'll never call you or email you to verify information. They'll never ask for a credit or a debit card number, or a prepaid card. Let's see, and they will... Well, there's no threat to bring in law enforcement or anyone else. They'll never threaten to do that. So, if you think you've been a victim of a tax scam, always contact your local law enforcement. If you think your financial information has been stolen, contact your institution to let them know. And also, file a complaint with the Federal Trade Commission; and that can be done at

- Okay.

- So, and also for some home buyers, remember to utilize your MCC tax credit if you got it.

- Perfect.

- Yeah, and if you are looking to get a home, ask us about the MCC tax credit. See if it can benefit you.

- You bet. Like I said, give Emmy a call, or Danny, here at Dakota Land. If you have questions on the MCC tax credit, or any of the information that she's talked about here now. it's a good reminder as we get into this tax season, about the different things that... Every day they seem to come up with something new to try to scam...

- Yes.

- To scam you out of something. So, be on the lookout. We're here to help if we can. Reach out to us and let us know. Ask us some questions or, we can give you the proper channels to get in touch with people too, so. There you have it; that's today's Monday Morning Mortgage tip. Thanks Emmy. That's the first for 2018. And hopefully going forward, we'll be doing a lot more of these here. So, thanks for watching. Until next Monday, guys. We'll see you then. Have a great week. Talk to you later.

- Happy Monday.

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