Monday, July 14, 2008

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Marriage or Divorce Check Your Social Security Number


Newlyweds and the recently divorced should make sure that names on their tax returns match those registered with the Social Security Administration (SSA). A mismatch between a name on the tax return and a Social Security number (SSN) could unexpectedly increase a tax bill or reduce the size of any refund.

Newlyweds and the recently divorced should make sure that names on their tax returns match those registered with the Social Security Administration (SSA). A mismatch between a name on the tax return and a Social Security number (SSN) could unexpectedly increase a tax bill or reduce the size of any refund.

For newlyweds, the tax scenario can begin when the bride says "I do" and takes her husband's surname, but doesn't tell the SSA about the name change. If the couple files a joint tax return with her new name, the IRS computers will not be able to match the new name with the SSN. This could result in tax assessments or even an audit since the IRS may be under the impression that you are simply evading taxes.

Similarly, after a divorce, a woman who had taken her husbands name and had made that change known to the SSA should contact the SSA if she reassumes a previous name. Failure to take this action can lead to audits. Can you imagine going through an audit with your former spouse?

It's easy to inform the SSA of a name change by filing Form SS-5 at a local SSA office. It usually takes two weeks to have the change verified. The form is available on the agency's Web site, www.ssa.gov, by calling toll free 1-800-772-1213 and at local offices. The SSA Web site provides the addresses of local offices.

ABOUT THE AUTHOR


Richard Chapo is CEO of Business Tax Recovery - Obtaining tax refunds for small businesses for overpaid taxes. Discovery tax strategies and deductions in our tax articles section.



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News about bank routing number on check
Cashing In A Problem (KIMA Yakima)

Fri, 11 Jul 2008 01:35:10 GMT
There's a new scam hitting our area and it's coming in the form of $5,000 cashier's check.

Counterfeit Bank of Hawaii checks circulating - Bizjournals.com

Mon, 16 Jun 2008 19:56:54 GMT

Counterfeit Bank of Hawaii checks circulating
Bizjournals.com, NC - Jun 16, 2008
Counterfeit "official" checks bearing Bank of Hawaii's name and routing number 121301028 are in circulation, according to the Federal Deposit Insurance Corp ...


Stolen ID used to get 2 car loans (Miami Herald)

Sun, 06 Jul 2008 08:11:31 GMT
Someone used a Miramar man's stolen identity to obtain two car loans in April, and someone printed a fraudulent check and withdrew money from another man's bank account.

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Which Credit Bureau Should I Use To Check My Credit Report?


There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, mortgage and auto loan lenders. Your credit report is the product of this collected information. Lending and credit companies use your credit information to determine if they will approve you or not and at what interest rate you will pay.

Many people are recognizing the importance of checking their own credit report to verify its accuracy and to make sure that they know where they stand in the credit world. Until they begin the process to obtain a copy of their credit report, some people do not realize that they actually have three credit reports instead of just one. The three main credit bureaus keep separate credit records from one another and produce their own credit reports. Instead of the credit bureaus working together and sharing information among themselves like some people may think, they are actually competitors. That is why the information provided on one credit report will more than likely be different from the information provided on the credit report from another credit bureau. Therefore, it is recommended to check your credit report from all three credit bureaus in order to see the complete picture.

There are a couple of options to checking all three of your credit reports. You can contact each of the credit bureaus individually to request a copy. Or you can go through one of the many online websites that can provide you with a 3-in-1 credit report like http://www.credit-report-credit-score.com . Obtaining a 3-in-1 credit report is usually more convenient and user friendly to the consumer compared to requesting individual copies.

Verifying the data on all three of your credit reports is the only way to know that the information that potential lenders and creditors are evaluating you on is correct. When considering you for a loan, some lenders will pull your credit report from only one or two of the credit bureaus while other lenders will pull your credit report from all three. It is always a good idea to check your credit reports BEFORE applying for your next big purchase. Covering your bases beforehand can often times save you a lot of time and hassle during the application process.

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Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published as is (unedited) and all URLs are made active hyperlinks with no syntax changes.
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About the author:
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports or to get a free credit report online please visit: http://www.credit-report-credit-score.com





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Low Health Insurance Caps Leave Patients Stranded (CBS News)

Sun, 13 Jul 2008 19:13:51 GMT
Mary Wusterbarth thought her toddler was struggling with an ear infection when she seemed sluggish. Instead, a virus had attacked the little girl's heart, damaging it beyond repair. Brea needed a transplant.

Tales of the dead and on death row (Khaleej Times)

Sun, 13 Jul 2008 20:00:29 GMT
JEDDAH - Here are some tales about the dead and those on death row - all conveying something and even touching the heart. Last week police officers arrested three expatriates who were found with a dead body in their car.

Low Health Insurance Caps Leave Patients Stranded - MyFox Tampa Bay

Sun, 13 Jul 2008 20:44:53 GMT

Low Health Insurance Caps Leave Patients Stranded
MyFox Tampa Bay, FL - 37 minutes ago
Then they would receive multiple mailings for each treatment, each listing a different amount -- the hospital cost, the insurance discount, the amount they ...



Wednesday, July 09, 2008

There is significant matter enclosed in this article about personal check printers for you to understand personal check printers better. Use it to it's best.

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Positive Aspects Of Background Checking


Who is your neighbor? Really who are they? You know his name is John and he's a mechanic, but did you know that he got divorced 8 years ago because he and his ex-wife filed for bankruptcy and couldn't seem to work things out? Did you know that your elderly retired neighbours across the street seem to have nothing else better to do but file lawsuits against people who they believe have done them wrong? These are just a few of the many things that you can discover with a background check program, from the comfort of your own home.

Every second more and more people are brought into this world and with a higher population comes a higher amount of criminals, it's inevitable, unfortunately. Of course there are many good people in the world as well, but how good are they? Maybe they too have a dent in their history. The Internet is truly amazing there are so many things we can find out with minimal effort compared to 20 years ago. You no longer need a private investigator, you no longer need to go out of your way or risk someone finding out that you are curious about their history. You can now find closely-guarded information about your boss, employees, friends, neighbors, doctor, ex-spouse, lovers? Investigate potential dates, applicants, business partners. Even search the information others could learn about you.

Why risk potentially putting yourself in harms way because you neglected to do a background check on someone? There are so many good cons and liars out there. There are pedophiles who neglect to register in the community you are living there are people with criminal records living as close to you as next door, but you'll never know unless you find out. You may own a business and neglect to check a persons criminal record and they turn out to have been arrested on theft charges. Sometimes being a little snoopy can save your butt!

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personal check printers in the news
Cheap Tech: The 20 Best Products Under $100 - PC Magazine

Thu, 03 Jul 2008 04:02:09 GMT

Cheap Tech: The 20 Best Products Under $100
PC Magazine - Jul 2, 2008
A dedicated small-format photo printer at a bargain-basement price, the Canon Selphy CP740 is hard to beat. Designed to print photos on a variety of paper ...


A clean, well-lighted place - Chicago Tribune

Mon, 07 Jul 2008 22:32:45 GMT

Chicago Tribune

A clean, well-lighted place
Chicago Tribune, United States - 18 hours ago
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Inside Hollywood's Hottest Cult II - Radar Online

Mon, 07 Jul 2008 19:23:25 GMT

Inside Hollywood's Hottest Cult II
Radar Online, NY - 21 hours ago
The preface, signed by Berg, was reproduced—complete with printer’s errors from Ashlag’s original—in two different publications. ...


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Monday, July 07, 2008

Of all the articles that I have written, I consider this article of check ordering to be my best article. Hope you feel the same too.

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Checking Out Their Past


You've found the perfect candidate for that job opening. This person is great: a personality that will fit in with your other employees, the technical skills you need, and they've even worked at a couple of your competitors. Or not.

I'm a huge proponent of background checks. However, I'm going to focus on just one aspect of a background check for this article: employment history. Why is this so important? Because, in my experience, you tend to believe the written word. In this case, that's often the employment application. Just because your candidate signed the application swearing what they wrote is the truth, it doesn't necessarily make it so. I know that may sound cynical but it doesn't make it any less true.

I used to rely on hiring managers to call a candidate's previous employers to confirm employment history. However, one particularly busy manager didn't bother and it ended up costing the company over $30,000 in legal fees a few years later. Live and learn. This particular case, which got much more complicated by the time it was over, was the primary reason I started conducting background investigations years before most companies were doing them. It's also the reason I will pay a few dollars more to include the employment history on the background checks I order. Oh, in that case I mentioned, it turned out the candidate omitted a job with one of our competitors ? a hire that ended up costing them a lot of money.

An article I read mentioned the most common lies on resumes were about the candidate's education, title, compensation, reason for leaving, and accomplishments. Why would a candidate lie to you about the title and compensation they had? Nearly every time it will be because they want to pump up their old position so you will feel obligated to improve on what they had. It works, too. Rarely does a manager come to me without putting in a plug for a "nice bump" in the previous salary so the candidate will be more inclined to take our offer.

There's absolutely nothing wrong with wanting to make a nice offer. But how would you feel about increasing your budget to give them that extra bump ? only to discover they had inflated their previous earnings? Not only are you upset about paying more for the position than you planned, but you have just discovered this person is a liar. After swearing it was the truth. CEOs I've worked with know this is the line in the sand with me. If I find a candidate has lied on the application, they are not hired (or immediately fired). It doesn't matter if they are a vice president or a file clerk. If they lie to you to get the job, what will they do to you once they have the job?

It's an integrity and ethical issue only you can define. If you hire that person even knowing there are lies on the application, you have also just made it extremely difficult to do anything about the next applicant that lies. Remember your practices, whatever they are, need to be consistent. You need to decide what constitutes your line in the sand.

The title, dates of employment, and base salary are three things most HR departments will give out. (Release of any compensation information requires pre-approval from the employee.) However, as more companies are ending up in court for releasing information that may have had a negative effect on the employee's ability to become employed by others, it's becoming harder to get even this information. It seems that companies specializing in background investigations are able to more easily obtain this information.

If you decide to check employment history yourself, make sure you are very consistent with your methods. You can't let one slide just because the other company doesn't immediate provide you the information. Find a way to get the confirmation you need to keep moving forward with your recruiting process. I find that, for the time spent making the calls or faxing permissions, it's less costly to me to have it done as part of the whole background investigation.

Oh, by the way, that problem candidate/employee we had? We found out a year after termination that the employee was still listing us as a current employer. Then, ironically, it turns out that a few years later this same person applied to a different company with which I was working. The resume completely omitted the three years' employment with my other company. It was the same trap and I pitied whoever hired this person next without confirming employment history!

C.J. Westrick, SPHR has been involved in Human Resources management and consulting since 1990. C.J. is currently an HR consultant advising small businesses online at http://www.HRjungle.com, in addition to working one-on-one with clients. Her specialty is bringing HR to small companies that do not have or need a full-time HR person.



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News about check ordering
Harland checks is all it

Sun, 13 Jan 2008 16:20:02 -0800
Harland is the page you the nations leading provider of the Community Bancshares 2006 Member Fdic Equal Housing Lender. Our applications are brought to back-office clearing to back-office clearing ...

Page by Page (The Little Elm Journal)

Sun, 06 Jul 2008 19:43:36 GMT
Have I mentioned lately how much I appreciate everyone who comes to the Little Elm Library? Thanks to your most recent support of the Scholastic Book Fair fundraiser, the library was able to purchase $302 worth of books to add to the collection for you to check out.

Do not be fooled by the west's propaganda on Islam - Pakistan Daily

Sun, 06 Jul 2008 21:30:21 GMT

Do not be fooled by the west's propaganda on Islam
Pakistan Daily, Pakistan - 14 hours ago
... just check out what Christians call the Old Testament. There you will find God advocating a double standard of morality, condoning slavery, ordering the ...


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check order online in the news
PR Newswire - Leading Electronics E-Tailer Assures Product Delivery - or Free Replacement

Tue, 15 Apr 2008 07:00:00 GMT
April 15, 2008 -- Etronics.com announces their new Assured Delivery service that immediately replaces lost or damaged orders. BROOKLYN, N.Y., April 15 /PRNewswire/...

Experts promote land use planning (The Advocate)

Mon, 07 Jul 2008 05:29:45 GMT
The “Louisiana Coastal Hazard Mitigation Guidebook” is available online at http://www.lsu.edu/sglegal. Printed copies of guidebook can be ordered through Jessica Schexnayder, 105 Sea Grant Building, LSU, Baton Rouge, LA 70803.

AT&T U-verse Arrives in Tulsa - Consumer Electronics Net

Mon, 07 Jul 2008 09:19:20 GMT


AT&T U-verse Arrives in Tulsa
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