IRS Identity Protection PIN Reminder: Prevent Tax Return Scams

Reminder for new tax season. Identity Protection PINs (IP PIN) have been updated for 2026 (they are updated every January).

An important “hardening” tactic against identity theft is to obtain an Identity Protection PIN (IP PIN) from the IRS. The common scam here is that someone with your name, address, and Social Security Number will file a tax return before you do, and then steal the resulting tax refund for themselves. In 2022, over 228,000 taxpayers filed IRS Form 14039, Identity Theft Affidavit, which asserts “I know or suspect that someone used my information to fraudulently file a federal tax return”.

Once you opt-in to the IP PIN program, the IRS will not accept any tax return filed during the current calendar year (even for prior years) without this unique six-digit number. Every calendar year in January, you’ll get assigned a new IP PIN. Getting one at any time will still prevent anyone from filing a fraudulent return during the rest of that calendar year.

To do it completely online, you’ll need an ID.me account, which is a third-party provider that the IRS trusts to verify your identity. From their page:

You can use either a self-service process that requires a photo of a government ID and selfie, or a live call with an ID.me video chat agent that doesn’t require biometric data.

I had already set up an ID.me account for another purpose years ago, but I do remember that the selfie method worked eventually for me but my wife had to go for the live video chat method. I’ve also had to deal with problems with rejected ID photos, too much glare, software crashes, etc.

If you forget your PIN, you can always sign back into your IRS.gov account and view it again under your Profile. This is another reason to take extra care with your ID.me/IRS.gov passwords and MFA methods. ID.me lets you set up a TOTP Authenticator app for MFA. Also set a reminder to use it when you eventually file taxes, so your return doesn’t get rejected.

More information at the IRS IP PIN FAQ page (that’s a lot of acronyms!).

Apple Watch Standalone Phone on US Mobile Review

My older two kids do not have smartphones, but instead both have an Apple Watch SE w/ Cellular for basic calling and texting needs. (We like these Anxious Generation guidelines.) After a year on BetterRoaming service, which was the cheapest option at the time for those not on a major postpaid plan, I switched their Apple Watch plans over to the US Mobile Smartwatch Plan.

I’ve been on US Mobile for a few months now, and I wanted to provide an update that US Mobile is the clear winner for our Apple Watch service. US Mobile provides better cellular coverage (in my area) on the Verizon network, a cheaper ongoing price, and a better customer service experience. Here are the details, with direct comparisons to BetterRoaming where available.

Plan summary.

  • $78 for 12 months if paid upfront ($6.50/month), or $9.50 monthly.
  • Unlimited Talk & Text
  • Unlimited Data
  • WiFi Calling Enabled
  • Instant eSIM Activation (Actually true! Under 10 minutes to set up)
  • 24/7 Customer Support
  • Works with 4G LTE and 5G watches

Overall experience using Apple Watch as a standalone phone for a kid. A major takeaway is that the Apple Watch is a tiny phone with a tiny cellular antenna inside. Most people use Apple Watches as companions to their iPhone, so it’s just meant as a backup when you’re out running or swimming or something. As a primary phone, it has a hard time getting a signal in areas of weak coverage and inside buildings. Basically, a throwback to the early 2000s for us more “mature” folks.

Honestly, the most common failure point was a kid forgetting to charge the watch overnight. In other words, you can’t always depend on the watch to work, so you’ll need to work out backup plans (i.e. meet at this tree, or send me an e-mail via school Wifi). The setup is still convenient and useful, and over time they do figure out where you have service and form the habit of charging the darn thing.

Cellular network coverage uses Verizon towers. US Mobile currently only offers their standalone Apple Watch plan on “Warp”, which is their contractually-obligated alternative name for the Verizon network. BetterRoaming is a worldwide eSIM provider, and my best efforts indicate that they are now on the T-Mobile network (but used to be on AT&T?). After switching to the Verizon network, I found that our coverage issues definitely improved, but there are still times where they don’t have a signal, even next to a smartphone that works perfectly fine.

US Mobile lets you pick the area code for your phone number (if not porting-in). BetterRoaming just assigns you one and you don’t get to choose. This may or may not matter to you.

US Mobile has competitive pricing. At my annual renewal, US Mobile’s annual plan was $78 (works out to $6.50 per month) while BetterRoaming was at $99. BetterRoaming has since dropped the price to match, so both are now $78 for the first year if prepaid upfront. However, I don’t know if you can renew at $78 with BetterRoaming, as it says the savings are only for “New customers”. US Mobile lets you renew at $78/year and it’s month-to-month pricing is also lower ($9.50 vs. $10.99 per month).

US Mobile overall has solid customer support and user interface. After setting up Apple Watches with both companies and dealing with multiple MVNOs over the years, I have found that US Mobile has some of the best customer service across all the MVNOs. You can tell they invested some money into this part of the experience. Their videos are useful and their online chat is responsive – most importantly, the reps seem to know what they are doing! In fact, it was such a good experience that (in addition to other reasons), a few months afterward I also switched my personal smartphone line from Mint Mobile to their US Mobile Unlimited Plan*. That’s a separate post, but the customer service part held true, as the port-over and setup process with US Mobile was so much smoother than my stint with Visible.

* That is my US Mobile referral link, which offers a $25 credit after spending 6 months and $100 total at US Mobile w/ port-in. Works on both regular smartphone plans and the Smartwatch plans, but note the port-in part, as I didn’t port-in a number for our Apple Watches. Full fine print:

To qualify for the $25 referral bonus, you must maintain active paid service in good standing for 6 months, port in a new line, and spend a total of $100 on Unlimited, By the Gig, or Smartwatch plans — Other plans, top-ups, devices, add-ons, roaming, and certain promotions (listed at usmobile.com/promo-archive) are excluded. Annual plans will be prorated monthly (e.g. $228 equals $114 after 6 months).

Navy Federal CU Specials: 13-Month CD at 4.00% APY w/ Add-On Feature

Updated January 2026. Navy Federal Credit Union is the nation's largest credit union, with a long history of serving active military members. More recently, they have expanded their field of membership to include veterans and family members of … [Read the rest]

Chase MyBonus 2026 Q1: Targeted 5X Points on Gas/Groceries/Restaurants

New quarter, new offers. A quick 2026 Q1 reminder that you can discover targeted offers for your Chase-issued credit card at Chase.com/mybonus. This includes both their in-house cards like Sapphire or Freedom Flex and their co-branded cards like … [Read the rest]

MMB Portfolio Dividend & Interest Income – 2025 Year End Update

Here’s my 2025 Year-End income update as a companion post to my 2025 Year-End asset allocation & performance update. Even though I don't focus on high-dividend stocks or covered-call strategies - I still track the income from my portfolio as an … [Read the rest]

Best Interest Rates Survey: Bank Accounts, Treasury Bills, Money Markets, ETFs – January 2026

Here's my monthly survey of the best interest rates on cash as of January 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more money while keeping the same … [Read the rest]

MMB Portfolio Asset Allocation & Performance – 2025 Year End Update

Here is my 2025 Year-End portfolio update that includes all our combined 401k/403b/IRAs and taxable brokerage accounts but excludes our house and small side portfolio of self-directed investments. Following the concept of skin in the game, the … [Read the rest]

Webull ACAT Transfer Bonus: 3% to 4% of Assets ($2k/100k Minimum)

Updated with new offer. The Webull brokerage app is offering an updated ACAT Transfer bonus of up to 4% of assets transferred plus up to $100 in outgoing fee reimbursements on your first transfer of at least $2,000. This specific offer ends March … [Read the rest]

5% Cash Back Cards: Grocery Stores, Wholesale Clubs, Dining, Streaming – January through March 2026

Activation reminder for 2026 1st Quarter. The credit cards below offer 5% cash back and up on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year … [Read the rest]

Prime Visa Review: $250 Instant Gift Card, 5% Back at Amazon + Whole Foods

Limited-time offer now scheduled to expire 1/8. If you have an Amazon Prime membership, you probably spend a good chunk at Amazon and should at least consider the Prime Visa, a credit card (not store card) available only to Amazon Prime members. … [Read the rest]

Live Oak Bank: $200 Bonus on $20,000 Deposit (New and Existing Customers)

(Update: Offer is back. Again available to existing customers depositing new funds. Hat tip to reader David.) Live Oak Bank is an FDIC-insured internet bank that is focused on lending to small businesses. Their personal savings account has a … [Read the rest]

E-Trade from Morgan Stanley: Savings and Checking Account Bonuses

Savings offer improved. E*Trade (Morgan Stanley Private Bank) is running promotions for new customers on both their savings and checking accounts: Premium Savings up to $2,000 deposit bonus + 3.50% APY Max-Rate Checking $300 bonus + up to … [Read the rest]