IRS

Apr

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admin on April 9th, 2007

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?????? 2003

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?????? ???????? ??????? ???? ?????? ????”? ??????? ????? ?????? ??????????? ?????? ?? ????????? ??????? ?? ????”?.
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????? ???”?, ?? ?? ???? ???? ????”?, ?? ?? ?????? ????? ???????? ??? ?????????? ?? ????????? ???? ????”?. ????? ????? ?????? ?????? ??? ?????? ????.
???? ???? ?? ????? ??”? ???? ??? ??? ???????? – ???? ??? ???????, ???? ??? ?? ?????? ?? ????, ????? ??? ???????.

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???? ??? ??????? ????”?, ‘???? ??? ???????’ – INTERNAL REVENUE SERVICE, ??? ??? ????? ????? ????????, ???? ??????? ?? ????? ??? ?????? ????????.
????? ????? ??????? ?????? ?????? ?? ??????, ???????, ??? ?????? ???”?, ???? ?? ????? ?????? ?????? ??? ????? ?????? ?????? ????, ???? ????? ????? ???? ?? ????.
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???? ??? ???????? ???? ??? ???”?, ???? ?????? ?????? ??? ????? ?????? ???”? ???? ????.
???? ?????? ?????? ?? ?????? ??? ???? ?? ???? ???”? ( ??? GREEN CARD ), ?? ?? ??? ?? ??? ???? ?????? ????? ?????? ?????.
?????? ??? ?????? ?? ??? ????? ?????? ???????, ?? ???? ??????? ??????? ??????, ?? ???? ??????? ??????? ??? ?????? ??? ???????.
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???? ??????? ?? ??????? ??? ?????, ?????, ????? ????? ??? ?????? ??? ??????? ????.

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????? ??????? ????? ????? ?? ?? ????? ?????, ?? ????? ?????? ?????? ??????? ????
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???? ???? ???? ????? ??????? ???? W-2???? ???? ????? ???? ?? ??????? ??????? ??? ??????. ???? ?? ???? ????? ??”? ??? ?????. ?????? ???? ?????? ?? ???? ?? ???????? ??? ?????? ??? ?????? ?? ?????? ??????.

?????? ??????, ????????? ????? ??? ?????? ?????? ??? –
?????, ????? ??????, ????? ??????, ????? ????? ??????? ?????? ????? ??????? ?????? ????????? ?? ?????? ???. ?????? ???? ?? ??? ????? 1099 ??? ?????? ????? ???”? ?????.
????? ??? ?????? ?????? ??? ???? ??? ?????? ??? ????”?, ??????? ?????? ??????.

?????? ???? ?????, ??? ????? –
?? ????? ?????? ????? ?? ????? ????? ??????.
???? ???? ?????? ??? ????? ????, ?????? ?????? ???? ???? ????”?, ??? ????, ??? ????? ???? ?????? ?????? ????.

?????? ?????? ???? ??? ?????, ???? ??????? –
????? ???? ??? ????? ??????? ?? ??????, ????? ???? ???????, ?????? ?????? ??? ????. ??????? ????? ????? ??????? ??? ?? ?????? ?????? ???????, ??? ????, ????? ?? ??????? ?????????, ?????? ????? ??????? ?????? ?????.
???? ????? ????? ?????? ??????, ?????? ??????? ????? ?????? ???? ????? ?? ????”? ???? ?????? ??????, ?????? ???, ??????? ?????? ????? ?????. ???? ???? ??????? ???? ?? ??????? ????? ????? ?????? ??????? ?? ?????? ?????? ???.
??????? ????? ??????? –
??????? ?? ?????? ??????? ??????? ????? ????? ?? ????? ????? ????? ????? ???? ?????? ?????. ???? ???, ??? ???? ?/?? ????? ?/?? ????? ???????? ?????? ????? ????? ???. ?????? ???? ???? ??????? ????? ?????? ?????? ?????. ?????? ????? ???????? ????? ??????? ????? ???????? ??????? ???????? ??????? ??????? ?????? ????? ?? ??????? ??????.

?????? ??????
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?????? ???? ?? ??? ?????? ?????? ??? ????? ?????, ??????? ??????? ?????? ??????, ??? ????? ???? ?????, ?????? ????? ???????, ????? ??? ????????, ??????? ????? ?????? ??????? ?? ?? ?????? ????? ????? ???? ???? ?? ???”?.

?????? ???? –
??? ?????? ?????? ???????? ??????? ????? ?????? ?????? ?????? ??????. ??? ?? ???? ????? ??? ?????? ?? ??? ??????? ???? ???? ?????? ????? ?? ???????, ????? ????? ???? ?????.

?????? ????? –
?????? ????? ?????? ?? ??? ?????? ??????? ????? ?? ??????? ????? ?????? ??????? ?????? ???.

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??????? ??? ???? ???? ??????? ?????? ???? ??????: ?????? ?????? ??????? ?????? ?????????, ?????? ?????? ???? ????, ?????? ??????? ??????? ???? ?????, ??????? ????? ??? ?????, ?????? ????? ???, ??????? ???????, ????? ???? ??? ???? ????? – ?????? ???? ??”? ????? ??????? ????.

?????? ???????? ?????? -
?????? ?????? ????? ???? ????? ?????? ??????, ????? ???? ??????? ?????, ????? ???????, ?????? ?????? ??????? ??????? ?????? ?????? ???? ??????? ????? ?????? ??????.

?????? ???? ????? -
???????? ??????? ???????? ??????? ???? ????? ?????? ?????? ?????? ????? ????? ????? ?????? ?????.
????? ?????? ?????? ???? ????? ?????? ????? ????? ???? ?? ??? ??? ??? ???? ????? ?????? ????? ????? ??????, ?????? ??? ???? ??????? ?????? ?????, ???? ????? ??????. ????? ????? ???? ????? ???? ??? ????”? ?? ?????? ??? ?????? ???? ???? ???”? ??????? ???? ???? ??? ??? ?????.
????? ?????? ???? ????? ?????? ????? ?? ???? ?????? ????? ?? ??? ??? ????? ???? ????? ????? ??????, ???? ????? ?????? ???? ??????? ?????, ?????? ?????? ????? ??? ?????? ????? ????? ??? ??????.

?????? ??? ????? ?????? -
?????? ???? ??? ?????? ?????? ?? ?????? ??? ??????? ???.

????? ??????? ??????? ???? ?????? ?????? ??? ?????? ???? IRA ?? ????? ?????? ??????
???? K 401.

??????? ??????
????? ?????? ??????? ?????? ???????, ???? ????? ????? ????? ?????? ???? ?? ??? ???? ?????? ??????? ???”?. ?? ??????, ???? ???? ???? ????? ????? ???, ??? ???? ?? ??? ????? ???? ???? ?????? ?????, ????? ???? ?? ??? ??? ???? ??? ?????? ?????. ???? ????? ?????? ???? ??? 2003 ??? 3,050 $ ??????? ??? ???. ?? ?????? ?? ???? ????? ????? ???? 12,100 $ ??????? ?????? ??? ?????.
???? ????? ??????? ?????? ???? ?? ??? ???? ?????? ????? ????? – ???? SOCIAL SECURITY ?? ???? ????? – ITIN .

????? ??? ????? ?????”?
???? ??? ?????, ???? ????? ??????? ??????? ?????? ??????? ???? ?? ?????? ?????? ??? ??”? ???? ?????? ?????? ??????? ??? ????????.
?????? ??? ???????? ???? ??????? ?????? – ????, ??? ????, ??? ????? ???????? ?????, ????? ????.
?????? ??? ?????? ??????? ????? % 10 ?? ?????? ?????? ???, ??????? ????? ??????
??- % 35 ?????? ????? ?????? ???.

??? ?????? ??????? ?????? ?????? ??????, ?? ????? ???? ?????? ???? ??- 1/3 ???? ??????.
????? ??????? ???? ???? ????, ?? ????? ?????? ??? ?? ????? ?????? ??, ???? ????? ??? ??????, ???? ???? ?? ???? ???? ???”?. ?? ???? ???? ???, ????? ?? ???? ???.
??? ??? ?????? ?-1 ?????? ???????? ?-31 ??????. ?? ?????”? ?? ?????, ???? ???, ?? 15 ?????? ?? ???? ????.
?? ?????? ???? ????? ?”? ????? ?????”? ????? ?????? ??? ???????? ?? ?????? ???????? ?????? ?????? ??????? ???.

?????? ??? ??????? ?????? ??????? ?? ??????? ?????, ?????? ?????? ??????? ?? ?????? ?????? ?????? ????.

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????”? ??? ????”? ?????? ??????? ?”? ??????? ??? ?????? ?????? ??????? ????? ?”? ???? ???? ?????.
???? ??? ??????? ???? ????? ??????? ??????? ???????? ??? ?”? ???????, ????? ????’, ????? ?????? ?????? ??????? ???? ?????? ?????? ?????? ???????. ?? ?????? ?? ??????? ?????? ???????? ???? ?????? ???????? ?? ???????. ??? ?? ?? ????? ?? ?? ??????? ?????? ??????? ?????? ????? ??????? ?”? ??????? ???.

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?????? ???? ?? ?????? ??? ????”? ???? ?????? ??????? ????? ????, ?? ?? ????? ?????? ?????? ????? ????”? ???. ???? ???? ??? ?????? ??????? ??? ??????, ?????? ?????, ????? ?????? ????? ???????? ???????, ????? ????? ?? ????? ???? ??????.
??????? ?????? ?? ???????, ??? ??? ???? ????? ?????? ????? ?????? ?? ????.

????? ??? ???? ????? ?????? ???? ????? ????”? ?????? ???? ??????.

?????? ??????? ???? ?????? ?-
NATHAN M. SCHORI, MBA, B & S TAX SERVICES, U.S. Income Tax Consulting
10620 Katella Ave., Anaheim, CA 92804
Tel. (714) 999-6778 Fax (714) 999-6770
Email: nschori@compuserve.com
http://www.usisraeltax.com/
???? ??????? ?????? ?-6484332 -03

???? ?? ???? ????? ?????????? ????. ??? ??? ?? ?????? ?? ????? ?????? ?????? ???? ???? ????? ???? ????? ?????.

Continue reading about ????? ?? ?????? ?????? ?????

Articles No comments »

Apr

????? ?????? ????? – ?? ?????? ????????

admin on April 9th, 2007

????? ?????? ????? – ?? ?????? ????????
?????? 2003

??? ??? ?????, MBA , ?????, ???? ?? ???”?

???? ??? ?????? ???? ??????? ??????, ??????? ?/?? ????? ?????? ????? ??????? ?????? ????????? ?????, ?????? ????? ???? ???? ?? ????????? ???????? ??? ??????????.
???? ??? ?? ????? ???? ?????? – ???? ??? ??????? – IRS
???? ??? ?? ?????? ?? ?????
?????? ?? ?? ?????? ??????? ???? ?????, ????? ?????? ????, ????? ???????????. ?????? ???? ?????? ?????? ??? ????? ???? ???.
?????? ?????? ??????? ??????? ???? ?????? ???.

???? ?????? ???? ?????? ?????? ??”? ??? ?????. ?????? ???? ???? ????”? ?????. ??? ?????? ?????????? ?????? ???? ‘H-1′, ‘J-1′, ?? ‘Q-1′ ???????? ???????? ????? ?????? ???? ??”? ?? ?????, ??? ?????? ?????? ?????? ???? ?????? ?????? ????? ??.
????? ??????? ????? ?? ????? ????? ???? ?? ????? ????? ?????? ????? ??? ???? ????? ?? ??? ????? ?????? ?? ?????.

???? ??????? ???? ????? ?????? ??????. ???? ??????? ?????? ???? ???”? ?????. ?????? ??????? ???? ????? ?? ?????? ?????? ????”?. ???? ?????? ??? ?? ??? ??? (????? ????? ????? ????? ????? ????) ?????? ?????? ??????? ???? ????? ???? ???? ????? ?????? ????, ???, ??????, ??????. ???? ?????? ??? ???? ???? ?? ???? ?????? ???? ????? ????. ????? ??? ????? ?? ???? ????? ????? ???? ???”?.

???? ????? ??????? ????????, ???? ????? ???? ???? ?????? ???? ?/?? ??????? ?????? ???? ??????, ??? ??? ?? ?????? ????? ?????? ??????.

????? ????? ???? ???????? ?????? ??? ???? ?????? ?????? ???. ???? ??? ????? ???? ?? ???? ?? ??”? ?????? ??.

????? ???? ?????? ???????? ?????? ?? ????? ?????? ?? ????? ????? ??? ????? ??????. ????? ???????? ????? ????? ‘W-2′ ????? ????? ????? 106 ??????. ?? ????? ????? ???? ?? ???? ??? ????? ????? ???? ??. ?? ????? ????? ??? ???? ???? ?????, ???? ???? ?????? ?? ???? ??? ?? ???? ???”? ?????.

????? ??? ??????? ????? ??? ?????? ???”?.
???”??? ?? ??????? ?????? ????? ?? ??? ???? ????? ???? ?? ????.
??? ??? ?????? ?-1 ?????? ???????? ?-31 ??????. ?? ???”??? ?? ?????, ???? ???, ?? 15 ??????.

?? ??????????? ???? ?????? ???”??? ???? ???? ?? ???? ??? ??????? ?????? ?? ???? – ????? ????? ??? ??? – ???? ?? ???? ??????? ?????? ?? ???? ??? ???? ???? ??????.

??? 1995 ?? ???? ?????? ??? ???? ??? ????? ????”?.

????? ??? ?? ????? ????? ????”?, ??? ????? ???”? ????? ??? ??? ??????.
??? ?????? ????? ??? ????? ??? ?? ?? ????? ?????? ???? ???????, ?????”? ??? ??? ?? ?? ??? ????? ???????. ?????? ??????? ???”? ?????? ???? ??? ?????, ?????? ????? ???????.

???? ?????? ????? ???? ??????? ????????? ?? ??????, ?????, ???????? ??????? ???????? ?????? ????? ????”?.

???? 23 ???? ??? ???? ????? ????? ?????? ?? ?? ??????, ????? ????? ?/?? ????,???? ??? ????? ?????? ??? ?????? ??? ?? ???? ??????, ??????????? ?? ???? ?????? ???, ???? ?????? ????? ??? ????? ????”?.

???? 24 ?? ?? ?????? ?????? ?? ????????? ??????? ???????? ?????? ??? ???????.

??? ???? ??? ???? ????? ???? ??? ????”? ??”? ????? ????, ???? ???? ??? ?????? ??”? ?????? ??? ????????.

?????? ?????, ??? ?????? ?????, ????? ???? ????? ????”? ???? ????? ????? ????? ?????? ?????? ?????, ?????? ??????????, ?????? ????? ???, ?????? ???????? ??? ?????? ??????, ?? ??????? ????????.

??? ?????, ????? ?? ????? ??? ????? ????? ?? ??? ?? ?? ???? ?????, ?? ??? ???? ??? ?????? ???? ????? ?? ???? ??????, ????? ????? ????? ??”? ???? ????? ??????? ????”?.
???? ????? ???????? ???? ???? ?? ??????? ????? ???? ????? ???? ????? ?????? ???????? ?????.

???? 1998 ????? ?????? ?????????? ???”?. ????? ????? ?????? ????? ?????? ?? ???? ???”? ?????? ?????? ????.
???? 2003 ????? ?????? ?? ?????? ????? ?????? ????? ?????? ???????????? ?????? ????? ?? ????, ????? ?????????. ??? ????? ????? ?????? ????? ????? ??? ?? ????????? ??? ???? ?????, ????? ?????? ??? ??????.
?? ????? ??”? ?????? ??? ????? ??? ?????? ?????? ?????? ?? ???? ????? ?????? ?? ????? ?????.

?? ?????? ????? ????? ?????? ????”?, ??? ???? ?????? ?? ??????? ????? ??? ???? ??????? ?????? ??? ????”? ??????? ???? ??? ????? ???? ???????.

1. ????? SOCIAL SECURITY ??? ??? ?????? ??????. ?????? ??? ????? ??”? ????? ?? ??? ???? ?????? ???? ????? ?????. ???? ?? ???? ???? ???? SOCIAL SECURITY ???? ??????, ?? ???? ???? ????? ????? ?? ????? ???? – I T I N ?”? ????? ???? W-7 .
???? SOCIAL SECURITY ??? ??? ?????.

2. ?? ????? ???? ??? ????? ??”? ?????, ???? ???? ???? ?????? ?? ????? ?????. ????? ???? ?”? ???? ???? 8233 ?????? ?????? ??????.
???? ???? ???? ?????? ???? ????.

3. ???? ????? J-1 ?-Q-1 ?????? ??????? ???? ???? ??? ????? ????? ????? – FICA ???? ???? ??? ????????.
???? ????? ????? H, E, L, J-2 ?? ?????? ???? ????? ?????

4. ????? ???? 4-W – ???? ?????? ??? ??? ?????? ????? ????? ?? ????? ???? ????. ???? ????? J-1 ?- Q-1 ????? ?????? ??”? ????? ????? ?????? ????? ?????? ???.
???? ????? E,L,H,O ?????? ???? ??? ?? ???? ?????? ??????? ???”? ?????.

5. ???? 2-W – ???? ????? ?????? ??????? ?? ????, ????? 1042- S – ????? ???? ?????- ?????? ??????? ?????? ???? ???? ??? ??? ??????.
??? ?? ?????? ?”? ??????? ???????? ????? 1099 ??????? ?????, ?????? ????? ????? ????? ?????

6. ???? ????? ?????? ?????? ??????? ????? ??? ?????.
??????? ??????? ??:
????? ???? ???? ???? ??????, ????? ??????? ??? ????, ??????? ????, ?? ????’,
????? ????? ???? ???? ????”? ?????? ??,
????? ??? ???? ????, ?????, ????? ??????,
????? ???? ?????? ??? ????? ?????? ????, ???? ?????? ?????? ???? ???, ????? ??????? ?????? ???? ????,
????? ????? ????? ??????,
????? ?? ?????? ?????, ??????? ????????, ???? ?????? ????’.
??? ???????? ?????? ?????? ????”? ????? ??????.

7. ???? ??????? ????? ????? ????? ???? ????? ???? ?????? ??????.

??? ?????, ??? ???? BA ?????? ????? MBA ????? ????? ????????????? ????”?, ??? ??? ???? ?????? ?? ????”?, ??? ?????? ?? 30 ??? ????? ?????? ??????? ??????? ?????????? ?? ?????? ????????. ???? ????? ????? ?????? ?? ????? ???? ????? ??????, ????? ??? ??? ??????? ????? ????? HIGHTECH, ????? ?????? ???”? ???????? ??????? ???? ????????, ?????? ??? ?????? ????? ?????? ????”?.
?????? ??????? ???? ?????? ?-
NATHAN M. SCHORI, MBA, B & S TAX SERVICES, U.S. Income Tax Consulting
10620 Katella Ave., Anaheim, CA 92804
Tel. (714) 999-6778 Fax (714) 999-6770
Email: nschori@compuserve.com
http://www.usisraeltax.com/
???? ??????? ?????? ?-6484332 -03

???? ?? ???? ????? ?????????? ????. ??? ??? ?? ?????? ?? ????? ?????? ?????? ???? ???? ????? ???? ????? ?????.

Continue reading about ????? ?????? ????? – ?? ?????? ????????

Articles, Financial No comments »

Apr

???? ???? ????? ??? – ?? ????? ???? ?? ?????

admin on April 9th, 2007

???? ???? ????? ??? – ????? ” Check List ” ???? ??? ?????
8 ?????? 2004???: ??? ????? , ???? ?????

???? ????? ??? ??? ????? ????? ????????? ???? ?????? ??????. etsion@zahav.net.il

??? ???? 2003, ??? ?????? ?????? ??????? ??? ????? ??????, ????? ?? ????? ????? ?????? ??? ????? ??? ?????? ????. ?????? ???? ??????? ?????? ?????. ??? ??????? ?? ?????? ??????? ??????? ??”?. ????? ????? ?????? ??????? ?????? ?? ???? ??? ??????? ??????, ?? ????? ?? ??? ??????, ?? ????? ?????, ??? ??????? ??????. ???? ???? ????? ??? ?????? ?????? ?? ?????? ???, ??? ?????? ?????? ??? ?? ????? ???? (??????? ?? ???? ????? ?????? ????? ??????? ?????? ??????), ???? ????? ????? ?? ?????? ??? ??? ???????? ???????? ?? ?? ????.

???? ???? ??? ???? ??? ??? ??? ??? ???? ?????? ???? ????? 3 ???? ?????? ???? ???? ????? ???? ?????.

???? ??? ??? ?? ????? ???? ????? ???????.

????, ?????? ???, ????? ?????? ??????? ??????? ??”?:

???? ??? ?? ????? ??? ???? 10 ???? ?????? ??? ???”? ??? ???? ????, ?? ???? ???, ????? ???? ?????? ???? ????? 10 ???? ???? ???? ????? ????? ?????. ???? ???? ????? ?????? ??? ????? ??-??? ??? ?? ???? ?????? ???? ????? ???? ?????. ???? ???? ???? ???? ??? ?? ????, ???? ????? ???? ?????? ??????? ??????.
???? ??? ???? 5 ???? ?? ????? “??????” (?????, ???????, ????, ???????, ??? ?????? – ????? ?????? ?”???”). ???? ?? ???? ?????? ???? ???? ???? ?????? ???? ???? ???? ???? ???? ??? ?? ????, ???? ????? ???? ?????? ??????? ??????.
???? ??? ????? ??? ??????? ???? ???? ?????? ???? 4 ????, ???? ????? ???? ?????.
????? ????? ??????? ????? ??????? ?? ??????? ???? ???? ???? ?? ?????? ??????, ????????? ?????? ??? ?”???? ??? ??”, ??????: (?) ????? – 15%; (?) ??????? – 25%; (?) ???? ??? – 15%. ??? ?? ??? ?????? ??? ?????? ??? ??? ?????? ??????? ???, ??? ?? ???? ???? ???? ???? ???? ??????.
????? ?? ??????? ???? ??????? ?????? ??????? ????? ?? ?? ?????? ???”? ????? ????? ??????, ????? ????.
????? ???? ????? ??? ?????? ???? ???? ?? ????? ????? , ??????? ???? ??????, ??? ????? ???.
???? ????? ??”? ???? ??? ?????, ??????? ?????? ?????? ?????, ?????? ???????, ???? ???? ????.

????? ?????? ??? ??”?, ???? ??????? ??????? ?????? ????? ???? ?????? ??? ????? ?? ??? ???? ???? ?? ?????? ?????? (??? ??? ??????? ????????? ??????? ??? ???? ??????, ??? ???? ??????? ????? ????? ?????):

????? ????? ?????? ???? ????? (?? ??????) ??????.
????? ????? ????? ???? ????? (?? ??????) ??????.
????? ????? ??????? ?????? ??????? ??? ?????, ???? ????? (?? ??????) ??????.
????? ???? ???? ??? ??? ???? ??? ????????? ??? ????? ?????? ?????.
????? ???? ????? ????? ???? ?????? ?? ?????? ??????, ???? ????? ????.
????? ???? ????? 5 ????? ?? ???? ??? ?? ?????? “???????” – ????? ????? ?????? ?????? ????? ??????.
????? ?????? ????? ?/?? ????? ???, ?? ??????? ???? ??? ?????? ??????? ????? ?????? ???? ??????? ????????.
????? ???? ????? ?????? ?? ??? ????? ????? ???? ????? ???? ??????? ??? ??????? ?????, ??-?? ??????? ????.
?????? ??????? ???? ???? ????????? ?????? ?? ??? ????? ??? ??????? ?? ????? ????? – ?? ??????? ???.
????? ?? ???? ??? ??? ???? ???? “?? ???? ?????” ??? ????? ??? ?? ????? ??????.
????? ??????? (???????? ????????) ?????? ????”?, ?? ????????? ???????? ????? ?????, ?? ?? ?????? ??? ?????.

???? ????? ??? ?????? ????? ????????.

??? ????? , ???? ?????

shay Etsion, CPA (Isr.)
etsion@zahav.net.il
Tel (W): ++972-3-7106683
Tel (H): ++972-9-7432463
Mobile: ++972-51-293141
E-Fax: ++1 801 457 7604

shay Etsion, CPA (Isr.)Tel (W): ++972-3-7106683Tel (H): ++972-9-7432463Mobile: ++972-51-293141E-Fax: ++1 801 457 7604

Continue reading about ???? ???? ????? ??? – ?? ????? ???? ?? ?????

Articles No comments »

Apr

Credit Cards – Protecting your identity

admin on April 9th, 2007

Got this in the email, seemed important to publish it here:

Protecting your identity

We’ve all heard horror stories about fraud. Unfortunately, I (the author of this piece who happens to be an attorney) have firsthand knowledge, because my wallet was stolen last month. Within a week the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.

But here are some critical ways to limit the damage in case this happens to you or someone you know.

First, right now, today, take a few moments to empty the contents of your wallet on a photocopy machine and copy both sides of each license, credit card, etc. You’ll now know exactly what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Be sure you keep the photocopy in a safe place and to take it with you, secured in your luggage, when you travel.

Then, in the unfortunate chance your wallet does get stolen, follow these steps:

1. As everyone always advises, cancel your credit cards immediately, but the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them easily.

2. File a police report immediately in the jurisdiction where it was stolen. This proves to credit providers you were diligent, and is a first step toward an investigation (if there ever is one).

3. But here’s what is perhaps most important: (I never ever thought to do this) – Call the three national credit reporting organizations immediately to place a fraud alert on your name and SS#. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost 2 weeks after the theft, all the damage had been done.
There are records of all the credit checks initiated by the thieves’
purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them in their tracks.

The numbers are:

1. Equifax: 1-800-525-6285
2. Experian (formerly TRW): 1-888-397-3742
3. Trans Union: 1-800-680-7289

Social Security Administration (fraud line): 1-800-269-0271

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Apr

Tax Assistance for free

admin on April 9th, 2007

Tax forms and tax return preparation assistance are available at a number of Austin Public Library locations. Beginning in February two organizations will provide free tax return preparation assistance: VITA (the Volunteer Income Tax Assistance program sponsored by the IRS) and TCE (Tax Counseling for the Elderly sponsored by AARP).

Addresses and phones: http://www.ci.austin.tx.us/library/news/nr20020125b.htm
Guide for international students information can be found:
http://www.utexas.edu/international/taxes/

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Tax Assistance for free

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