By: Robin Nazon
House Bill 3710 – Proviso 118.18
Did you know you can get a tax credit for having identity theft monitoring service for you and your family?
118.18. (SR: Tax Deduction for Consumer Protection Services) (A) In addition to the deductions allowed in Section 12-6-1140 of the 1976 Code, there is allowed a deduction in computing South Carolina taxable income of an individual the actual costs, but not exceeding $300 for an individual taxpayer, and not exceeding $1,000 for a joint return or a return claiming dependents, incurred by a taxpayer in the taxable year to purchase a monthly or annual contract or subscription for identity theft protection and identity theft resolution services.
The deduction allowed by this item may not be claimed by an individual if the individual deducted the same actual costs as a business expense or if the taxpayer is enrolled in the identity theft protection and identity theft resolution services offered free of charge by the State of South Carolina.
For purposes of this item, “identity theft protection” means products and services designed to prevent an incident of identify fraud or identity theft or other protect the private of a person’s personal identifying information, as defined in Section 16-13-510(D), by precluding a third party from gaining unauthorized acquisition of another’s personal identifying information to obtain financial resources or other products, benefits or services; and identity theft resolution services means products and services designed to assist persons whose personal identifying information, as defined by Section 16-13-510(D), was obtained by a third party, whereby minimizing the effects of the identity fraud or identity theft incident and restoring the person’s identity to pre-theft status. (B) The deduction provided in (A) is only allowed for taxpayers that filed a return with the Department of Revenue for any taxable year after 1997 and before 2013, whether by paper or electronic transmission, or any person whose personally identifiable information was contained on the return of another eligible person, including minor dependents. (C) By March 15 of each year, the department shall issue a report to the Governor and the General Assembly detailing the number of taxpayers claiming the deduction allowed by this item in the most recent tax year for which there is an accurate figure, and the total monetary value of the deductions claimed pursuant to this item in that same year. (D) The department shall prescribe the necessary forms to claim the deduction allowed by this section. The department may require the taxpayer to provide proof of the actual costs and the taxpayer’s eligibility.
Robin Nazon is an Independent Associate with Legalshield since 1998. She takes pride in providing exceptional customer service to her clients. Robin often goes above and beyond the norm to make sure her customers are satisfied. Contact Robin at 843-437-0543 or legalshield.com/hub/rnazon
When temperatures plummet, a seasonal wardrobe change helps protect most of your body from the elements. However, your face and hands are likely still exposed and even areas protected by clothing can be affected by a harsh climate. A fall skin-care regimen can help ensure your delicate features fare well even as blustery winds blow.
Sunscreen smarts. Most people know that slathering on the sunscreen is a must when heading to the pool or beach, but your skin can actually take a hit from the sun’s damaging rays year-around. Apply a sunscreen lotion or moisturizer containing SPF daily to reduce the risk and minimize your chances of sun spots and wrinkles.
Healthy hydration. When it’s hot, you’re more likely to feel thirsty and drink more, but staying well hydrated is important in colder weather, too. Proper hydration affects numerous body functions, such as ensuring your muscles and joints are well lubricated and helping your body to regulate its temperature. Water is the solution most experts recommend, but non-sugary options like tea can also help.
Food factors. Although limiting the amount of fat you consume is generally recommended for a nutritious eating plan, in the fall and winter it’s especially important to be sure you’re consuming enough healthy fats and omega-3s to promote moisture from the inside out. Good sources include eggs, nuts, avocados and lean proteins like fish, turkey, chicken and beef.
Clothing concerns. Even if you don’t feel the chill, cold wind can do a number on your skin. Be sure to cover up adequately when outdoors to prevent the chapping and irritation that can come from sustained exposure. Also be wary of precipitation; be sure your outer layers repel water and that you’re able to change into dry clothing promptly if you do get wet.
Ample exercise. Getting your heart rate up helps get your blood circulating, which is not only good for burning calories and beefing up your muscles, it also promotes healthy skin. Sweating helps push impurities out of your pores, and the increased circulation helps distribute nutrients throughout your body, including the skin.
Avoid irritants. Especially if you have sensitive skin, cool wind can be brutal. Take care to avoid potential problems by sticking to softly textured fabrics that won’t get itchy, take it easy on the exfoliating and be mindful of skin care products, soaps and detergents that may be particularly drying to already parched skin. Also skip the temptation to warm up in a hot shower, which can dry your skin even further.
Manage moisture. Even oilier skin types may need extra moisture when dry, cold conditions prevail. Oil-free options let you add moisture without over-stimulating oil glands, while natural oils such as coconut or jojoba are ideal for dryer skin. Apply lotion after every shower to trap in moisture and as needed throughout the day to prevent chapping and cracking, and give special attention to areas that are prone to damage, such as your lips and hands.