Tag Archives: Tips

Bills.com Offers Tips to Handle Taxes That Can’t be Paid

San Mateo, Calif. (PRWEB) April 18, 2007

As morning dawns on the day after federal tax returns became due, many filers have discovered they owe more taxes than they can pay. Options do exist for these consumers and business, according to Brad Stroh, co-CEO of Bills.com (http://www.bills.com).

Stroh noted that Americans, carrying more debt than ever, are more likely to have tax problems than in the past. In 2005, the IRS recorded nearly 6 million delinquent accounts. The number of levies (a key enforcement tool in which the IRS takes possession of assets to collect on unpaid taxes) was 2.75 million during fiscal year 2005 – a 37 percent increase from 2004 and part of a trend that increases the number every year.

First step: File a return

“Hopefully, everyone has filed their tax return,” Stroh said. “Not filing at all is the single biggest mistake people can make in terms of staying in the good graces of the IRS.”

Not filing a return at all can carry penalties and even result in criminal prosecution by the IRS. In addition, those who qualify for a refund can lose their refund by filing late. On the other hand, sometimes those who file but cannot pay the full amount they owe can qualify for a payment plan. Unpaid amounts due will be charged interest, usually a rate of 4.5 percent per month.

How to handle current tax problems

For individuals with reasonable cause to be unable to pay, the IRS might choose to minimize or eliminate penalties, Stroh explained. “You absolutely must face the situation and discuss your options with the IRS or an advisor.”

It also is possible to negotiate with the IRS to reduce past-due tax penalties and payments. Taxpayers with tax debts under $ 10,000 usually can manage the payment on their own or via an installment plan arranged with the IRS. When individuals cannot pay tax liabilities of $ 10,000 or more, specialists can negotiate directly with the IRS on behalf of these consumers, helping them obtain settlements.

Tax relief specialists usually are attorneys, enrolled agents or certified public accountants with special training and experience. These experts can navigate the intricacies of IRS forms and calculations, help consumers understand the criteria the IRS imposes, and then help them get back into good standing with the IRS.

Depending on the severity of an individual’s situation, two types of IRS settlement are available:

The Deadbeat Vigilante Manual: Seven Do-It-Yourself Action Tips That Will Help Cure America’s Deadbeat Virus

Greenville, SC (PRWEB) July 24, 2007

They seem to be everywhere: the corporate elite compensated far beyond their worth … lazy teachers who ride the “tenure train” while contributing very little … lawsuit leeches seeking to profit from imagined slights or fake injuries. Deadbeats. If you’re a hardworking, law-abiding citizen, you probably fume every time you read about them or see them on TV (or in person as the case may be). America is supposed to be the Land of Opportunity, you think. But it’s looking more like the Land of Opportunists.

“Each man, woman, and child in the United States pays almost $ 10,000 per year in higher product costs, higher costs for services, higher insurance costs, higher taxes, and higher fees at financial institutions, all because of deadbeats,” says Michael Webb, author of Are You Kidding Me? How Deadbeat Tolerance Is Killing Common Sense and Costing America Trillions. “A family of four decent, hardworking, honest people pays $ 38,000 for deadbeat activities. No wonder we have a tough time saving money!”

Webb is on a mission to squash the slackers, porky politicians, welfare wasters, and other low-lifes who take advantage of the rest of us.

Here are seven action tips that will help you become a deadbeat vigilante:

Take “consumer action” against deadbeats. “When you encounter slothful servers, slacker salesclerks, or tenure-train-riding teachers, report them to their supervisors,” says Webb. “The first step to ending this kind of deadbeat behavior is forcing their supervisors to take notice and act on their employees’ behavior.

Refuse to participate in frivolous lawsuits. “Frivolous cases that are not immediately dismissed can really hit an organization’s and/or individual’s wallet,” says Webb. “Attorneys often drag out depositions and other parts of the process to fatten their bills. They also include every possible person, product, and corporation ‘involved’ in a tragic event in hopes of getting a big settlement from one, some, or all those named.”

Protect your credit and debit cards. “Shred old bills and credit card applications. If you’re making purchases online, make sure you are using a secure site,” says Webb. “Every time you lose sight of a card, you’re susceptible to becoming a victim of fraud or identity theft. To live on the safe side, use cash whenever possible.”

Volunteer with at-risk kids. “Some young people may not have the necessary mentors to encourage them to make positive choices and stick with getting an education,” says Webb. “By letting them know that someone cares, and by showing them another, better path in life, you can help reduce the chances that they will become involved in crime and start going down the path of a deadbeat.”

Vote! “Voting is the best way to get rid of the politicians in our system who aren’t following the rules,” says Webb. “Whether they’re engaging in pork barrel spending, not attending legislative sessions or other meetings, or enjoying behind the scenes illegal deals involving fraud, bribery, or other criminal acts, the best way to show them you don’t approve is by voting them out of office.”

Report deadbeat parents. “Refusing to pay child support not only costs taxpayers big money, it inflicts hardship on the most innocent people of all,” says Webb. “It is a serious offense. Don’t let them get away with it. If you need a little encouragement to spur you on to turning in deadbeat parents, consider this: taxpayers often pay twice for deadbeat parents–once to incarcerate them and another to pay their welfare checks.”

Work to improve schools. Confront bad teachers. Run for school board and effect change from within. Campaign for school reform on a local, state, or national level. Education is one of the key factors in preventing our children from becoming the future deadbeats of America. Make sure you are doing your part to stop the cycle.

“Deadbeats have worn us down by their behavior, and if we don’t take a stand, it will only get worse,” says Webb. “If we can mobilize the responsible, hardworking people who are paying the lion’s share of the bills–and get them to stand up to deadbeats in all their insidious forms and shout, ‘Enough!’–we can halt the spreading deadbeat plague that threatens the very fabric of our nation.”

About the Author:

Michael Webb is on an anti-deadbeat mission. He is president of Smith Premier Services, a South Carolina-based company within the JM Smith Corporation, with revenues exceeding $ 2.1 billion. As a registered pharmacist, he has spent over 35 years in the prescription drug marketplace with hands-on experience in every facet of the industry. He has held senior positions with such respected companies as Prescription Management Services, Inc., Baxter International, Walgreen Company, and Lily/PCS. He has also consulted for the Office of Pharmacy Affairs in Washington and served as an adjunct professor at the University of Kentucky College of Pharmacy from which he graduated.

About the Book:

Are You Kidding Me? How Deadbeat Tolerance Is Killing Common Sense and Costing America Trillions (Pittsburgh Professional Publishing, 2006, ISBN-10: 0-9748299-2-7, ISBN-13: 978-0-9748299-2-0, $ 14.95) is available at bookstores nationwide and major online booksellers.

For more information, visit http://www.antideadbeat.com.


TAALK Announces Daily E-Mail Tips to Educate the Public on Child Sexual Abuse Prevention

Laguna Niguel, California (PRWEB) April 24, 2008

In support of National Child Abuse Prevention Month, TAALK is launching a daily e-mail tip series on child sexual abuse prevention called TAALK Tips. To sign up for the program, simply visit http://www.taalk.org/taalk_tips.html .

One in four girls and one in six boys is sexually abused before the age of 18. Victims of child sexual abuse are at greater risk than the general population for psychological, emotional, social and physical health problems which often last into adulthood. These problems often appear as depression and suicidal thoughts, eating disorders, drug and alcohol dependencies, school and/or financial failure, teenage pregnancy and promiscuity and criminal behavior.

” Child sexual abuse is clearly a community problem, but child sexual abuse prevention is a personal decision,” said TAALK’s founder, Diane Cranley. “Protecting children from sexual abuse doesn’t come naturally, it’s a skill set that every adult must learn if they want to protect the children in their circle of influence.”

According to Cranley, “The TAALK Tips e-mail series is a convenient way for adults to learn new behaviors that will significantly lower the risk of abuse and the daily delivery is the best way to keep these newly formed behaviors top-of-mind until they become habit.”

Child sexual abuse is a major public health issue that demands the public’s attention. Anyone concerned about preventing child sexual abuse in their community is encouraged to subscribe to TAALK Tips.

TAALK’s founder, Diane Cranley, is available for general interviews as well as her TAALK Tips daily radio interview series. She can be reached at 1-888-808-6558.

About TAALK:

TAALK, Talk About Abuse to Liberate Kids, is a 501(c)3 public charity formed to increase awareness of the child sexual abuse epidemic, with a focus on victims who are abused by a family member or someone they know and trust. TAALK’s mission is to break the silence that surrounds child sexual abuse and shift public consciousness from passive acceptance to the belief that “There is No Excuse for Sexual Abuse.” TAALK’s efforts will raise awareness of the existing epidemic and educate the public to take action to protect children. TAALK provides support services to victims and their families and provides community prevention program consulting. Visit taalk.org for valuable resources and more information on TAALK programs.

# # #

Parental Summer Session Tips That Equips Parents With The Tools To Confront The Alarming Statistics Regarding Children Being Confronted Daily With Decisions About Negative Behavior And Drug Use Whlie On Summer Break

Orlando, FL (PRWEB) July 4, 2008

The term “an elephant in the room” refers to a situation where an issue or truth is being ignored or unaddressed. Fortunately, Donovan Davis is equipping families with the tools to address the elephant in the room. Donovan believes that it starts with respecting our children.

The truth is when kids have idle time and make the leap from elementary school to junior high, their exposure to negative behavior and drugs increases dramatically. Recent studies reveal that 1 in 13 sixth graders have smoked marijuana. The figure jumps to an even more alarming 1 in 5 by the seventh grade. This is an increase of nearly 300 percent.elf esteem is crucial to there social development.

While many parents have had “the talk” with their teenagers, others have yet to discuss the dangers of drugs with their teens. As a parent, you do make a difference in your child’s decision about the right choices throughout the teenage years and their self esteem is crucial to there social development. For the summer parents, your children may be confronted daily with decisions about negative behavior or drug use.

Let’s look at the definition of self esteem: it is the ability to feel good about ourselves whether or not we are always. Successful it is a feeling of satisfaction we experience after our needs are met. We as parents can help build our children’s self-esteem by telling them positive things about themselves. Additionally, we must praise them for good decisions, small deeds and great initiatives.

Since most teenagers have a strong desire to conform to their peer groups, parents are encouraged to help build their self esteem and to control the friends that surround them. If the adolescent is hanging out with a group of teens that are involved in sports, and then meets someone who is into drugs, his opinion of that teen will most likely be “he is stupid.” Why?

Partly because he will embrace the opinion of the teens closest to him. The problem is that the reverse is also true. What then does this mean for parents of idle teens?

I provide Life Coaching services, and I work with families daily to address their adolescent decision making process. During my time as a teacher and administrator I have learned different strategies on how to build self esteem in individuals. I also have listed the different strategies for parents on how to build self esteem in their children in my book “The Blueprint of Parenting”. As a teacher I enjoyed teaching our future, but I quickly realized that most teachers have no idea the warning signs of possible illicit drug exposure. I made sure I listed different drug diagnosis in my book “The Blueprint of a Successful Classroom”, for teachers to be able to recognize the symptoms of drug use and other mental health disorders within the classroom.

Every parent has great expectations for there children and it is the goal of all parents to raise wonderful children. In my book “The Blueprint to and through College”, I give positive advise for high school seniors and college freshmen on vital decisions that they must make for a successful future. In the world we live in, we must protect our children from negative influences that could alter their future and affect their possibility of success. Illicit drugs affect all of us and in my book “The Blueprint of Recovery”, I site the stories of addicts and there journey through addiction.

Lastly, parents must acknowledge their child’s potential. If a parent does not speak of the child’s unlimited possibilities, their child may become susceptible to negative peer feedback. Henceforth, sending them into an unsuspecting path of poor decisions and negative consequences. As parents, it is our responsibility to assist our children in feeling good about themselves.

Donovan Davis is the founder of askdonovandavis.com, a Social Service Agency, dedicated to raise humanity’s awareness, acceptance and understanding of our changing world through his books series entitled “Blueprint”. Donovan Davis can be reached at 888.264.6168 or via email donovan@askdonovandavis.com.


California Family Law Firm Discusses the Myths, the Truth and Some Tips About Paying Child Support in California

Whittier, CA (PRWEB) August 24, 2008

California family law firm Schuster Family Law discusses the myths, the truths and the tips about paying child support in California.

The Myths — “When it comes to paying child support, there is seldom agreement,” said Dennis Schuster, founder of Schuster Family Law. “Mothers and fathers will either claim they cannot pay the support ordered by the court or that they cannot live on the support ordered by the court. Paying child support is never an easy aspect of divorce proceedings.”

According to Schuster, this is because people hear so many different stories regarding child support. On one hand, there are the stories how one person paid little or nothing toward child support; on the other hand, there are also stories how another person got a large amount of money for child support.

The Truth — The truth of the matter, says Schuster, is that child support is regulated by a complex formula established by the State of California.

“Support is usually based upon all gross income (including overtime and bonuses) for the past 12 months of both parties, number of children, percentage of time each child is with parent,” said Schuster.

He explained that the court will allow certain hardship deductions, such as an unusual medical expenses; however, the court ordinarily doesn’t take into account a person’s monthly living expenses.

Schuster notes that when it comes to paying child support, there is often not a lot of room for negotiation, so the parties must accept whatever the judge orders.

Some Tips

–Most important, the person who pays must pay.

—If the payer doesn’t pay, the amount owed will accrue 10% interest per year.

—Child support cannot be discharged in bankruptcy.

–With the exception of money owed to a County Department of Child Support Services for AFDC, there is no statute of limitations on child support.

–To protect yourself, insist on a wage assignment order attaching your wages. It’s proof you paid.

–When obtaining a child support order, it’s important the amount for each child be clearly indicated, so this amount will be automatically reduced once the child becomes an adult.

About Schuster Family Law

Schuster Family Law is a California family law firm that handles divorce and adoption cases. Schuster is also developing a unique niche in representing parents whose children need special education. For more information, visit: http://www.schusterfamilylaw.com


Tame Halloween Fright with Bark Busters’ Safety Tips for Families with Dogs

Englewood, CO (PRWEB) September 29, 2008

Keep dogs safe during Halloween — the most dangerous holiday for dogs — with tips from Bark Busters, the world’s largest dog training company. Based on the expertise of Bark Busters’ network of dog behavioral therapists, who have successfully trained over 400,000 dogs worldwide, these guidelines for dog owners help ensure the safety of pets during fright night.

“Throughout our network of 255 franchises nationwide, we hear about more dogs dying or straying during Halloween than any other holiday,” said Liam Crowe, CEO and master dog behavioral therapist of Bark Busters USA. “Halloween is intended to scare and startle us–making it a haunting holiday for dogs, too. By being more sensitive to dogs’ fear-driven ‘fight or flight’ instincts, we can help keep our furry friends safe this Halloween.”

Halloween brings a fun time for most of us, but for some of our much-loved four-legged family members, Halloween can be a nightmare. Dog owners may not be able to control external surroundings, but they can care for their dog’s safety and well being by observing the following tips from the world’s largest dog training company, Bark Busters:

-Don’t leave your dog outside. Even if you have a fenced yard, bring your dog inside where it is safe. If your dog is usually kept outside, bring him in a few times before the big night to get him used to being indoors. Your dog may be used to strangers, but so many little ghouls and goblins running about may be too much. Remember also that it is a natural instinct for dogs to protect the family from strangers, and on Halloween there will be no shortage of strangers.

-Keep your dog restrained. If your dog is timid or scared, or if he tends to love people a little too much, it is best to put him in a separate room away from the front door to limit his excitability, aggression, and chance of running outside and becoming lost.

-Reassure your dog. The best thing you can do for your dog when he is feeling unsettled by Halloween activities is to act as you normally would. By over-reassuring your dog or giving him an unusual amount of attention, you inadvertently can communicate to him that because you are acting differently, there must be something to worry about.

-Have your dog get used to costumes. Your dog may see his family members as strangers once they don their Halloween costumes. Before the kids put them on, allow your dog to scent the costumes. If your costume has a mask, keep the mask off when you are with your dog because dogs can become confused when they can’t see our faces.

-Check your dog’s ID tag. Be sure identification tags are secure on your dog’s collar — just in case.

-Keep candy away from your dog. Many candies — especially chocolate–are toxic to dogs. The severity of the toxicity depends greatly on factors such as breed, age, size, and how much candy was ingested. Problems may range from a mild upset tummy to vomiting and diarrhea, or even death. If you have any concerns at all, consult with a veterinarian immediately. If you want to keep your dog safe, make certain that sweets, including their wrappers, are kept well away from your dog.

-Protect dogs from candles and pumpkins. Excited or agitated dogs can easily knock over a lit candle or pumpkin. Be sure those items are away from your dog’s reach, or consider a battery-powered candle that does not burn

-Think twice about dressing your dog in a costume. While some dogs might enjoy being dressed up, many don’t. Experiment first to see if your dog likes being in a costume. If so, fine–he’ll most likely enjoy himself and the extra attention it brings. However, if he shows any resistance, don’t do it. Dogs feel enough stress around Halloween without also having to endure the discomfort and peculiarity of wearing a strange costume.

-Be prepared. If you take your dog with you while trick-or-treating, be prepared at all times. Do not let your dog approach the door of a house, and stay clear of possible gags or gangs of goblins who will gather at the door. Dogs do not understand that the person jumping out at you will not hurt you; they often think they can only help you by acting aggressively. Neither children nor adults in costumes should approach a dog without the owner’s consent.

-Have fun but think of your dog’s safety. Finally, if you want your dog to be included in Halloween festivities, think about his safety much as you would the safety of a small child. Your dog does not understand Halloween, so he needs you to provide the guidance and safety that you always do.

Bark Busters dog behavioral therapists are renowned authorities on correcting dog behavior. The Bark Busters training system can successfully train any dog, including a puppy. The company’s natural training technique leverages the same communications methods–body language and voice control–that dogs follow as part of their instinctual pack mentality. For more information or to locate a trainer, call 1-877-500-BARK (2275) or visit http://www.BarkBusters.com.

About Bark Busters:

Bark Busters, the world’s largest, most trusted dog training company, started in Australia in 1989 and came to the United States in 2000. Since inception, nearly 400,000 dogs have been trained worldwide using its dog-friendly, natural methods. With 250+ franchised offices in 42 U.S. and more than 400 offices in 10 countries, Bark Busters is continuing its mission to build a global network of dog behavioral therapists to enhance responsible dog ownership and reduce the possibility of maltreatment, abandonment and euthanasia of companion dogs. Bark Busters is the only international dog training company that offers a written lifetime guarantee. SPCA International selected Bark Busters dog behavioral training services as the “Best of the Best” in its category. No other training company or dog trainer has received such a distinction. To fetch a trainer in your area, call 1-877-500-BARK (2275) or visit http://www.BarkBusters.com, where dog owners can complete a Dog Behavioral Quiz to rate their dogs’ behavior.


Police Approved Safety Tips for Halloween Developed by Amber Alert Registry Ensures Safe Trick-or-Treating

Boca Raton, FL (PRWEB) October 8, 2008

AmberAlertRegistry.org, a leader in helping protect children, has worked with several police departments to produce Halloween safety tips for parents and young children for trick-or-treating.

Halloween Safety Tips Include:

ProtectMyID.com Provides Consumers With Vital Tips On Internet ID Theft Protection

Irvine, CA (PRWEB) April 26, 2009

ProtectMyID.com a leading, full-service provider of identity theft detection, protection and fraud resolution, today announced Internet ID Theft Protection tips. If consumers spend any kind of time online they’re probably concerned about security; and rightfully so. Whether it is e-commerce, personal banking, bill paying or social networking, sooner or later consumers run the risk of exposing themselves to internet identity theft.

Ironically enough, the best line of defense against identity theft attacks is the one thing people give the least amount of thought to: their username/ password combination. Statistically, most people create username/password combo’s that are easy to remember. They tend to be associated with obvious personal data, like:

A partner, child, or pet’s name, sometimes followed by a 0 or 1
The last 4 digits of a social security number
Numerical sequences like 1,2,3,4
The word password
Hometown, city, college, favorite sports team
Date of birth – partner’s or child’s

The fact that most people use the same username and password for all their online accounts only compounds the danger of http://www.protectmyid.com/default.aspx?PageTypeID=HomePage17&SiteVersionID=815&SiteID=100302&sc=669082&bcd=semidtprw210408ts01 internet ID theft. If a hacker can hijack one password, they instantly have access to your other accounts. This can lead to identity theft, http://www.protectmyid.com/default.aspx?PageTypeID=HomePage17&SiteVersionID=815&SiteID=100302&sc=669082&bcd=semidtprw210408ts03 credit card fraud and a huge headache for consumers.

Consider this: password hijackers will go through trash, mail or the pages of social networking sites to dig up the info they need to crack a password. In fact, social networking sites are a key source for this kind of personal information. In spite of this level of personal invasion, there are still some very simple techniques consumers can practice to help protect password:

Indiscriminately trade out numbers and symbols for letters: h@ck3rs
Random caps are also an effective technique: h@Ck3Rs
Use something from the past: a random place, a favorite toy, etc. Don’t use names of friends or classmates, old address or phone numbers.
Vary username/password combinations among accounts.

Unfortunately, even if consumers follow all these techniques, they could still be hit by a brute force attack. This is where password hijackers use specifically designed software to crack security. This software is free and readily available online, so little can be done to stop this kind http://www.protectmyid.com/default.aspx?PageTypeID=HomePage17&SiteVersionID=815&SiteID=100302&sc=669082&bcd=semidtprw210408ts01 internet ID theft.

About ProtectMyID.com

ProtectMyID.com is a leading, full-service provider of identity theft detection, protection and fraud resolution. We are passionate about helping our customers defend against identity theft and shielding them from the hassles and financial loss that can accompany this crime. Our U.S.-based team, which includes experienced Identity Theft Resolution Professionals, is dedicated to providing easy-to-use and convenient products as well as personal service that our customers can rely on.

ProtectMyID.com is part of a family of online sites belonging to ConsumerInfo.com, Inc., an Experian company. ConsumerInfo.com, Inc. was founded in 1995 to give consumers quick, easy, and inexpensive access to their credit histories. It is now the leading provider of online consumer identity theft protection, credit monitoring, credit scores and credit reports to millions of U.S. consumers.