Cash gifting is legal in the United States. However, there are some restrictions. You must be 18 years old or older, and your gift recipient must be over 21 years old. Gifts under $100 are exempt from taxes. And gifts above $12,000 are taxed.

The cash gifting program is an online business model that allows people to earn money without doing any work. There are many programs out there that offer this service. 

Some of them require a lot of time and effort, but others do not. This is a very lucrative business opportunity because most people want to make some extra money.

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Are The Cash Gifting Programs Scam?

A cash gifting program is similar to a pyramid scheme. People join the program hoping to make money but to do this, they must recruit others to join. At the end of each month, the person who recruited most people loses money.


Giving cash gifts is giving something valuable without getting anything in return. You can give cash without paying taxes. However, the IRS may ask you to file a tax form if you give more than $14,000 in cash gifts in a calendar year.

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Gifting Circles Vs Gifting Schemes

True gifting circles are good because they help people save money and use fewer resources. They exist in different forms in many cultures and communities, and they help build relationships within them. Members do not know each other. 

They assist each other in fulfilling their wants and needs with their various resources.

 For example, if someone does not want to eat all of their sweet corn at once, they could offer some to their gift circle friends who might need fresh produce. Money exchanges are not allowed.

Gifting schemes are nothing more than a modern twist on an ancient pyramid scheme. The cash-gifting scheme promises a huge cash payout, but the premise is exactly the same as any pyramid scheme. 

Like other pyramid schemes, the cash-gifting scheme requires a lot of money up front to get started. Once you’ve paid your initial investment, you’ll be required to pay off recruits who bring in new members. The cash-giftings scheme is a classic pyramid scheme.

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