taxes when you buy a prize

Probably those were declared prizes and not gifts for tax purposes.

In the US, people receiving (real) gifts are never taxed on them - the tax falls on the gift giver. That said, the IRS doesn’t care if you give $5 to somebody on the street. They are looking at transfers of large sums of money (something like $15k a year or more per person). They basically don’t want the wealthy “gifting” their wealth to avoid the estate tax.

Quite likely, the TV program didn’t want to deal with the tax consequences and pushed that onto the audience members.

They don’t do it this way now and haven’t for a long while. I know someone that worked on the show as a production assistant, part of her job was coordinating the prizes used on the show. The value of the items on the show are the suggested retail price. If you won a prize, you are only liable the the actual cost of the item. A $20,000 car would result in taxes generally on the wholesale value, somewhere around $14,000 for that car. In some cases, like trips, the wholesale value can be pennies on the dollar. Winners of prizes are also given a window to pay taxes on tangible items, usually 30 days or the day the show is broadcast, whichever is longer. Taxes are automatically withheld from cash prizes, that is currently 24% federal and 9% state of California.

I know what you’re getting at, but that is a bad example. At least here in Colorado, somebody could give his granddaughter a car, and she would not have to pay sales tax, as vehicle titles can be transferred to family members. Ownership and use taxes would be due on registration, but not sales tax. When my dad gave me his truck, they didn’t even care about providing any sort of proof of relation, as we share a last name, and he signed the title over to me.

$600 is the lower limit for a required 1099.

Yes, and so?

:: donning CPA hat ::

There are many things being discussed here, and I’ll try to touch on all of them.

Gifts to the IRS are those done out of detached generosity. You generally need some sort of relation with the donee, or at very least no clear business motive to your generosity. Thus it becomes practically impossible to give a genuine gift to anyone with whom you have a business relationship, such as an employee, customer, or vendor. It is also impossible to give a genuine gift to random people if you publicize that you are giving out gifts at random; John Oliver publicly forgave a bunch of medical debt that he bought up cheaply a while ago, and if he hadn’t have sold it to a non-profit whose sole purpose is to buy up medical debt to forgive it, those people whose debts were forgiven could be subject to cancellation of debt income. It had to be a genuine act of generosity from the non-profit, who could by definition not profit from the debt being forgiven, plus a “terrible” business decision to sell the debt to them for much less than he bought it for (well, presumably - I actually don’t know the details other than a non-profit was involved and it helps explain why there was no tax due for the debtors). Oprah could not give away cars on her show as genuine gifts, as the giveaway gave her a lot of publicity.

Employers are generally allowed to offer employees fringe benefits that involve use of employer services or low cost employer goods, but there are restrictions. Employers cannot sell their goods to employees at less than cost without the difference being income to the employee. Employers providing services for their employees must incur at most a de minimis additional cost for providing the service; think of airline employees getting free flights in seats that would otherwise be unused. Technically there is slightly more fuel being consumed, but it’s minor comparatively. Likewise, you’re allowed to use your employer’s copier without having to recognize income even if the employer leases the machine and pays by the copy. “De Minimis” tends to mean that it’s just absolutely not worth anyone’s time and effort to keep track of it; even if it does add up over a long period, the effort put into keeping track would be entirely disproportionate to the amounts involved.

So now you’re offered a deal of a lifetime by a game show. You are, in some sense, their employee as a contestant (maybe a contract worker or whatever) so if they provide you goods at less than their cost of the item, you must be taxed on the cost of the goods to the show (less the amount you paid), exactly as was described previously for TPIR. This even extends to stock options. There tends to be three ways to profit from stock options: The stock goes up in value after you exercise the option and before you sell, the stock goes up in value after the option is offered and before you exercise it, and the option is offered at a lower price than market value. The latter of these is always ordinary income immediately, as they are offering something at less than “cost”. For completeness, the first of the three is always capital gain like any stock buy and sale, but there are numerous requirements involved for the second source of income to be treated as capital gain instead of ordinary income, something I researched once and don’t remember the details of.

Also keep in mind that the tax authorities generally have the ability to look beyond the notional legal structure of a transaction and assess tax on a transaction that is in essence one that is taxable. Related-party transactions are often closely scrutinized. You can be forced to recognize interest income on a no-interest loan if the amount is large enough, so you can’t get away from some sort of tax by calling the 100 million you give your son a “loan” instead of a “gift” that would incur gift tax. If you sell your business to your son on a installment basis, you will need to charge a minimum rate of interest. We just had a client do that recently, and the installment basis wasn’t a regular amortization schedule but was just a percentage of revenue until it was paid off, paid whenever they got around to it. We had to make up our own irregular amortization table to calculate how much interest the father would have to recognize as income.

You or your company can give a business gift of $25 or less, or you can get one, and the company can write it off and you have no tax on that $25.

OR, if the gift is clearly promotional merchandise, like a advertising pen, etc.

Good grief guys…this is not hard.

Income is income.

You can buy the option for a penny but you if you get a $1 million in your bank from that bet that is income and you have to pay taxes on it. Put another way, if you gain something of value you have to pay taxes on the value gained. No messing around…you pay taxes on being more wealthy today than you were yesterday (super simplified but that is the upshot).

Granted, there are ways to evade/minimize taxes legally but the OP’s notion won’t work.

As Chronos noted the government really wants its share and they will get it if they can and are aggressive in trying to do so.

Old Mark Twain quote:
“How many legs does a dog have, if you call the tail a leg too?”
“Five?”
“No, four. Calling the tail a leg doesn’t make it one”.

Exactly, the government knows what is and is not real money in your pocket, and taxes you accordingly.

Reminds me of the story about one of the Trusts in Canada, which were like the US Savings & Loan companies - and many went bankrupt about the same time in the late 1980’s. This one decided that any senior managers, branch manager, etc. should have a stake in the company, and required them to own $X of the company shares. For those who could not afford that in ready cash, they gave loans. So, suddenly the company went belly up and all these guys had hundred thousand or more of outstanding loans for shares that were worthless. There was a capital loss, but capital and earned income are taxed differently. If the company bought back the shares at original cost (i.e. far higher than market value) then the difference in value would be taxed as income. If they forgave the loan - income. If they did not charge market interest rates, the difference was income.

basically, if you end up better off than you were before, it’s income. The only hope is that it’s capital gains, which is taxed usually lower (half) the rate of earned income, which is why Buffet says his secretary pays more than he does. But, like other schemes mentioned above, any trick that plays games to convert earned income to capital gains has been thought of by the government and already has rules about it.

Thus, don’t appear on game shows, don’t win, and don’t accept prizes. If you win anything, give it away before it can be taxed. Right?

There is a very specific rule in the tax code that lets you give to charity any unsolicited prize you receive for being a generally good person or more specifically “in recognition of accomplishments in scientific, educational, literary, religious, artistic, or civic fields”. It must be unsolicited on your part, not require any further services, and you must provide the prize-giver with notice of where to send it before you are awarded the prize. Otherwise, it becomes taxable income and while you can take a charitable deduction, there are limits to that (60% of income, must itemize on Sch A).

Whether you can get around things by not accepting the prize depends on how assertive the prize-giver is in getting you to take it. If they somehow make the money available to you, and there are plenty of means of doing so without your permission, you’ll have constructive receipt of the money and it will be income. But if they don’t do any of those things that would make the money available to you, then it’s not income yet, and if you make no further efforts to claim it then it never will be.

Of course, income tax rates are well less than 100%, so unless there’s something unseemly about accepting the money, you’re not any worse off than you were before. Accept the money and immediately send half of it to the feds and a quarter of it to the state and you’ll probably still get a huge refund from both plus the quarter you didn’t send anyone.

True, I didn’t get into every sort of way that employers can make small gifts to their employees even though I did cover one of them. But both of those are small potatoes compared to major prizes or free airflights.

It is quite interesting just how broad the whole “accession to wealth” doctrine is, and literally anything that makes you wealthier that it not specifically excluded is taxable. There was a specific case about a guy who found a huge wad of cash in a piano he had bought, and he was taxed on that. So if you find money lying around on the street and pick it up, if the IRS finds out, they’ll require you to claim it as income.

Also, “evading” and “minimizing” taxes are two separate things entirely. It is everyone’s right to arrange their transactions such that they minimize their tax. But “evading” taxes is strictly the practice of not paying taxes that you know that you owe, and is a crime. If you think that you’re cleverly using the tax code to avoid paying taxes, that’s not “evading” but “avoiding” in legal-speak. If you think you’re cleverly moving money around in shell companies so that the government will never catch you, then you’re evading.

Not to the IRS.

The ordinary, economic definition of “income” that most people think about – even when discussing taxes – is very different from the taxable definition.

If the two were the same, the Internal Revenue Code would be about 5 pages long, and it would take 10 seconds (at most) to figure your taxes.

This is wrong. Not only income must be discussed but deductions, credits, payment, fines, penalties, and other taxes.

Pretty much “General definition: Except as otherwise provided in this subtitle, gross income means all income from whatever source derived…”

From your link:

It’s a business deal. Straightforward. The airline sold these knowing some people would get a bargain and others would pay a lot for not getting their money’s worth out of it. It’s an entirely different kettle of fish.

So there’s a couple of edge cases:

a. What if someone offers you their services as a gift? How is this taxed? If your uncle is a heart surgeon and you get a major heart operation performed by your uncle, and he doesn’t charge you the normal fee, how does this work? (or your girlfriend is a prostitute…)

b. Airline miles. Everyone’s always talking about that “free trip to Korea” from all those miles they got through work. Apparently, a typical “mile” has a value a little over a cent. This sounds like obvious tax evasion if someone were getting enough airline miles to be economically significant. If you traveled for work all year round, and got miles from all your flights and all your hotel stays, would you rack up so many miles that you’d actually have them get reported and needed to pay taxes?

No. (PDF)

I’m going to guess it depends. A new heart or a new car as a gift is a gift. As mentioned up above, gifts are taxable to the giver not the receiver. However, if you get a new car given to you and immediately sell it, you are obviously just engaging in a scheme to get money. If this is in any way related to some sort of employment or quid pro quo then it’s income.

I recall under some interpretation of a campaign finance law, if I as a computer consultant do free work for a campaign, I’ve effectively donated my time. That has a fee attached. But if I as a full time employee do the same work outside of work hours, then it’s not a financial equivalent contribution, because I don’t sell my services to miscellaneous clients all over town.

More or less services are ignored unless there’s a quid pro quo, like “I will clean your teeth if you clean my drains” that’s called bartering and the IRS frowns on it. And in that case, it is taxable.

Your uncle can gift you like $15K a year tax free.