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Completing taxes is never an easy task. You have to make sense of the complicated forms, and make sure that all of the numbers make sense and balance when you finish. If you have done your taxes in the past and notice that you may have made an error that caused your return to get flagged, then it may be time to get expert help. You can find someone to help you with tax resolution in Astoria, NY, so you can rest assured that all of your issues will be remedied and your total liability is the number it should be. Don’t waste anymore time trying to figure it out on your own, when you can let a professional hold your hand and solve the puzzle for you. Here are three things to look for in a person you trust to bring about a favorable resolution to your tax problems.

Certifications

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The person you hire should be a licensed tax preparer in your local area, or be a licensed CPA. Don’t trust just anyone to examine your issues, as this can lead to more problems in the future and cause your liability amount to increase. Ask to see a copy of their license before allowing them to work on your tax issues.

Resolution Experience

The professional you hire should have experience in finding a positive resolution in regards to tax problems. If they haven’t done this type of work in the past, then they may not have the experience to determine what the issue is, and the best way to go about correcting it.

Positive Reputation

The firm you hire should have a reputation for providing quality service at an affordable price. If they aren’t known for fully representing their clients, then they may not be able to provide the support you need through your tax woes. Ask around and find out what their past clients have to say about their experience with using them for tax resolution in Astoria, NY.

Don’t make getting your tax issues fixed a stressful procedure. Contact the professionals at GJM Business Center. They can review the specifics of your tax refund issues and determine the best way to bring about a resolution that will be in your favor. Click Here to learn more about how they can help you.

By Ted Batron

Some people are looking to settle on their credit card debt, but arent sure how to how to go about it. There are many debt settlement companies out there that specialize in settling credit card debts, but sometimes it can be difficult to determine if its legitimate or not.

Some of them are reliable and reputable, others are nothing more than shams and frauds that just want your money. Youll still be sitting with a mountain of debt while theyve moved on to their next victim.

One way you can be sure you are getting a good deal is to do negotiate your debt yourself with help from sites like

no-debt.net/debt-info

. If you are thinking of going this route, there are some things you need to know before you commit to a debt settlement company. Here are 7 tips you should take heed of prior to picking one:

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1. Within the debt settlement industry, there is a trade association called TASC or The Association of Settlement Companies. This association works with its members so that they will be in compliance with the standards and rules of the industry. If the company you want to use is not a member, then find another debt settlement company.

2. You need to know up front what kind of fees the credit card debt settlement company will charge you. Some of them charge one flat fee. This flat fee is determined as a percentage of your total debt cost. Some of them get this fee each month. They even get it when no settlements have been finalized. The fee should be connected to the result of the settlement and not as a percentage.

3. If you want to know about money back guarantees, they should be at least be good for 30 days. If it isnt then dont accept the agreement. Dont allow the debt settlement collectors to talk you into something less than 30 days.

4. If you ask about commission and they tell you yeswatch out. They might try to railroad you by charging you exorbitant fees. Forget it and move on.

5. When dealing with credit card debt settlement companies, your credit will be affected negatively. If you ask and youre advised otherwise, then thats a red flag to not do business with them.

6. Asking how long it will take to finish the credit card debt settlement is like asking when you will stop growing. No one knows the answer to that, and the collectors dont know the answer about time frames. If they tell you otherwise, theyre lying just to get your business.

7. When you ask about your first settlement, they should tell you that it should be done within 12 months. Anything longer than that is a lie and a fraud.

Once you get these questions answered, you should have enough information to determine whether or not you will select them to represent your credit card debt settlement. You can also check with your local consumer division as well as the Better Business Bureau to see if they are legitimate or have numerous complaints against them.

Its better to be informed and educated up front than wait until later to get scammed.

About the Author: Debt settlement can have a positive impact in your life. If your tired of sweet smoke and promises, get the facts about

debt settlement

at

no-debt.net/debt-info

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isnare.com

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By Sue Young

Reduce debt, how can you possibly do that? Well one of the keys to reducing debt is to pay it off. Sounds obvious doesn’t it, but in reality this cunning debt reduction technique is hardly used. Now you’re probably thinking – ‘what the heck are you talking about?’ Well let me explain by telling a story, but this time we’ll get an imaginary person to be the poor sap in the story instead of having me – again. So meet Mary, a nice, hard working, average lady with a husband and two children.

Reduce Debt – Reduce Debt – Am I making My Point

So here’s Mary, does she have any debts, yes she does. She has a $2000 credit card with a balance of $1000, she has some other debts but we won’t worry about them right now. Mary is very uncomfortable with the debt she has and would love to reduce that debt as quickly as possible. The payments eat her income and keep her awake with worry at the end of every month. How can she possibly think about reducing her debts with all of this worry going on?

Let’s switch gears here for a moment and take a closer look at one of these debts, Mary’s’ credit card. What is it exactly? Is it money? No it isn’t. Is it cash in Mary’s pocket? No it isn’t. Is it a free loan that Mary never has to pay back? No it isn’t? Are we agreed on all the no’s? If we are agreed, the question remains, what is it?

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Redue Debt – Reduce Debt – I’m Trying Again

Well the answer is quite simple. A credit card is a loan that attracts interest (and boy does it do that) and it must be paid back. It lures Mary into spending money that she doesn’t have, the buy now and pay later plan. Mary could avoid the interest on her loan as long as she pays the total outstanding amount each month, but does she. No she doesn’t, it’s way too much for her to afford to pay in one lump – so why the heck did she spend it in the first place?? Because it’s so easy that’s why, and because there are so many shops, and so much pressure to have this, that and the other thing, but that’s another story, this is about Mary reducing her debts by using something right under her nose.

So how has she got into this mess. Is she some kind of obsessive shopper who can’t stop herself? Does she have an alcohol habit she is feeding. No, none of that, she’s just a regular wife and mother doing her best. Unfortunately she has picked up some bad habits along the way and the credit card is one of them.

The fact is, the banks want Mary to use the card, they want her to take it out to the maximum limit and then make the minimum payment, which will be 3-5% of the balance. And they want her to roll the rest over to the next month. That’s how they make their profits, and fair enough, they need to make a profit to stay in business. But Mary needs to be smart and keep herself in profit, not the bank.

But it’s not the interest that I want to focus on, although that can be a considerable saving when trying to reduce debt. There’s a bigger fish to hook here and it’s simply this. Reduce debt by not creating any more. That’s right, stop using that darned card. Those credit cards are not money. Every time Mary gets it out of her purse to use it, she is spending money she doesn’t have. She is living beyond her means, and she is potentially creating a debt that could take her years to pay off. Those purchases of $100 here and there which attract on average 20% interest and are rolled over month after month, and added to month after month, grow and grow. Debt reduction doesn’t even get a look in.

Let’s get back to Mary. She like many of us, has been lured into thinking that she needs a credit card to manage, but she doesn’t. These cards haven’t been around forever and people managed very well without them way back when. I think they used something called ‘cash’. They spent money they had, not money they were going to get. Of course there has always been time payment, but the proliferation of credit cards has exploded the misery of debt world wide. Mary is part of this misery and it’s up to her to stop using her credit card, her store card and any other type of card she might have. Are you listening Mary?

So back to my original point. One of the ways to reduce debt is to pay it off. You bet, by throwing the card away you will stop creating more debt and will actually be able to pay it off. Mary sincerely wants to reduce debt but has internalized the habit of seeing her credit card as a necessity, it is not a necessity. Reducing debt is a necessity.

So to summarize this long tale of Mary and her debt reduction plans, Mary needs to stop using her cards to live on, live within her means, and pay down the outstanding balance as fast as she can. How cunning is that? Give it some thought. Good Luck.

About the Author: Sue Young of income-while-you-sleep.com has coached many people in the skills of ‘How To Reduce Debt’, she knows that increasing income packs a powerful punch in this process. To learn how you can earn 5 separate income streams visit

Income While You Sleep

, and to find out more about debt free living visit

Kill Debt Now

.

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By Debra Dragon

One of the most important financial lessons a person can learn is to live within their means. The problem many people with excessive debt have is spending as much (or more) than they make – and then having to lean on credit cards and other sources of credit to make ends meet. Once you’ve gone beyond your “means”, it’s a vicious cycle that is extremely hard to break, because you’re basically start out in the red (or negative).

One of the most effective methods of saving money is learning how to live on less than you make. It’s a classic financial lesson that many people miss, and therefore end up deep in debt. It’s far too easy to charge a large purchase or numerous small purchases on a credit card, because you know the minimum payment will be affordable. The problem escalates as you increase the number of “minimum payments” you are required to make each month to the point that you can’t pay anything more than the minimum – and suddenly the interest and finance charges are eating your payments.

When you learn how to live on less than your income, you automatically make it possible to save money. You can use the difference in income and living expenses to create an emergency fund, save for your future, and pay for unexpected expenses with cash rather than credit.

Here are four basic tips for learning to live on 70% of your income, which means you can put 20% of your income in the savings vehicle of your choice:

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1. Figure out what you’re currently spending money on by tracking every incoming and outgoing dollar for a full month. If you’re not already keeping a close eye on your spending, this will be an enlightening experience. If you find your income just isn’t enough, do something about it! If you’re spending too much on unnecessary items, do something about it!

2. Look at what you are spending your money on, for example – if you tend to spend a lot of money on coffee on the way to work, start making coffee at home. You’ll read this tip on every money saving blog and website you come across but the fact is, buying coffee out is something many people do without a second thought and the money absolutely adds up.

3. Learn how to make your favorite meals at home and avoid eating in restaurants or getting take-out. Doesn’t mean you can never have a treat, but for families who eat out frequently, you can use far less of your food budget by making food at home rather than going out.

4. Buy items in bulk whenever the prices are discounted for doing so and the items will not expire or be wasted. Good candidates for buying in bulk include paper towels, toilet paper, canned goods and juice.

In order to increase the amount of money you have available to save, you need to decrease the amount of income you’re using. Working toward the goal of living on 70% of your income (or less!) will help you grow a healthy savings account.

About the Author: Debra Dragon is a freelance writer providing content for

DepositAccounts.com

on the topics of savings accounts, checking accounts,

money market

accounts, certificates of deposit and IRAs.

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