My 2022 1040 tax return was returned to me with a 3531 form that says I'm missing my signature and W-2 attachments.
But what are these two other numbers. Do I need to fill some additional information here? I don't have any dependents.
This is my first time using VITA (voluntary income tax assistance), and the person that helped me told me I didn't have to mail my W-2 since they already helped me put it in the system. The signature part was just my one blunder.

The information on the FCA's official website shows that USGFX UK (Union Standard International Group Limited) no longer has regulatory authorization from the FCA as of December 16, 2022. And before that, the company canceled its ASIC and VFSC licenses, and so far it has NO financial license!
USGFX had informed clients that they could transfer their accounts originally under ASIC supervision to the UK FCA or Vanuatu VFSC supervision according to notices within their accounts, but many clients fed back that USGFX had not processed their withdrawal requests in recent years. Later, the company canceled its VFSC license. Until last month, USGFX UK's FCA license also lapsed. By this point, the broker was not authorized by any regulator and also received a warning from the FCA on Dec. 29. https://www.wikifx.com/en/newsdetail/202303234564618628.html?gip=TGal12
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I know some of us are having serious delays with our DED cases. On behalf of us who applied way back in 2021 and 2022, I have sent an email to HKDC which is a non-profit which advocated for us the DED in the first place. Not even clue or percent sure if this works but at this point I'm gonna throw everything at the wall and see what sticks. If you want to reach out to HKDC as well your welcome to join me but there are some other lobby/non profit organizations out there that might help possibly as well.
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Yesterday, the Federal Reserve decided to continue to raise interest rates by 25 basis points and its Chairman Powell's press conference, the biggest point is that the market once again chose to "not listen to the central mother": traders bet on the Fed to cut interest rates by at least 75 basis points before the end of the year, while Powell said this year will not cut rates.
Some investment strategists pointed out that Powell is just "tough talk" on the issue of interest rate cuts, Fed officials are "betting" that the banking liquidity crisis and the resulting contraction in the credit environment is finally under control and will not unduly endanger financial stability and economic "soft landing".
But just as the Fed ignored inflation began to rise in 2021, in March 2022 only "too late" to open the interest rate cycle, the Fed may have misjudged again this time. Even if the interest rate cut this year may be too late to relieve the pressure of debt-ridden businesses.

1. U.S. Financial Conditions Tighten to Worst Since May 2020 as Banking Sector Begins to Tighten Lending Standards Across the Board

Even if the Fed cuts interest rates, credit spreads will widen and, more importantly, credit may not be available, making it difficult or costly for companies, including those in Asia, to roll over their U.S. dollar debt, according to Redmond Wong, a strategist at Saxo Capital Markets.
According to media reports, a key indicator shows that U.S. financial conditions deteriorated to their worst level since May 2020 earlier in March, following the U.S. regional banking crisis and UBS's "pick-up" of Credit Suisse. In the latest Federal Reserve Senior Loan Officer Survey, the U.S. banking industry disclosed that it is tightening lending standards across the board. In other words, the impact of the current banking crisis should not be underestimated.
Jay Bryson, chief economist at Wells Fargo, believes that Fed officials are taking calculated risks and may believe that the recent banking turmoil, while slowing economic growth, will not evolve into a broader financial crisis, and that the Fed believes it has the tools to contain banking system turmoil and can deploy them efficiently and quickly. But given that regulators such as the Fed misjudged the situation in 2007, it cannot be ruled out now that the Fed's internal consensus that interest rates will not be cut this year was not wrong.

1. The Fed chose to "raise interest rates and wait and see", mainly because the subsequent impact of the banking crisis has not yet fully emerged

From the Fed's FOMC resolution statement and Powell's remarks at the press conference, it is clear that the Fed is still focusing its decision-making on curbing hyperinflation at this stage, Powell said bluntly that this is because "it is difficult to judge how the banking crisis has caused a change in expectations for a soft landing of the economy" and therefore "it is too soon to judge It is still too soon to judge how to respond to the banking crisis through interest rate policy".
According to some analysis, the Fed's approach is called "hike and see" (hike and see), with nearly half of the market participants before the meeting betting that the Fed will "hold off and wait and see" (wait and see) to form a contrast. contrast.
But the financial markets can't wait, it seems. Futures contracts on the U.S. benchmark interest rate bets for December this year fell to near 4.20%, combined with traders believe that the Fed will raise rates by up to 25 basis points in May, which means traders believe that at least 75 basis points of interest rate cuts this year.
This constitutes a dramatic shift from market expectations before the banking crisis erupted, when hotter inflation and employment indicators even had some talking about raising rates to as much as 6%, and bets on a 50 basis point Fed rate hike this week had been "nail-biting".
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3.why the market is contrary to the central bank's interest rate path expectations? Because of greater fears of a credit crunch and recession risks
To sum up, traders, market participants and analysts believe that the risk of a credit crunch, and the ensuing downward pressure on the economy, has spiked bets on a Fed rate cut.
Chetan Seth, Asia-Pacific equity strategist at Nomura Holdings, then said that pressure on the U.S. banking sector has accelerated the tightening of lending standards, which could lead to a recession:
"Tighter lending standards in the banking sector could put downward pressure on credit creation and U.S. economic growth in the months ahead, accelerating the process of a possible U.S. recession."
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In fact, the Fed itself is also highly concerned about the potential impact and severity of banking stress. the FOMC statement deliberately added a new paragraph in the front position to warn of bank failures dragging down the economy: "recent developments could lead to tighter credit conditions for households and businesses, and put pressure on economic activity." Powell also said bluntly at the press conference that a credit crunch could replace policy rate hikes.
Only, Powell's remarks emphasized the uncertainty about the spillover effects of banking sector problems on the credit environment. On the one hand, the reduction in lending may lead to a decline in consumer spending and demand, "which means monetary policy may have to do less work". At the same time, banking sector stress may also have a very moderate impact on the economy, and inflation will continue to be strong, in which case more rate hikes are not ruled out.