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We all love to criticize the IRS Cheap Air Max 93 , don't we? It's easy to ridicule a huge organization of government bureaucrats who often seem to be Public Enemy #1.


Our negative attitude toward the IRS can lead to a strong desire to just ignore it altogether. But self-employed people who ignore the IRS do so at their own peril.


So when it comes to providing free information about taxes, let's not throw the baby out with the bath water. The IRS does provide some excellent resources to help us make the best of a potentially bad situation.


If you need tax assistance and prefer not to pay for it, do not overlook these five ways to obtain help from the IRS:


1. The Internet


There's a wealth of information just for small business owners and self-employed people at: you'll find everything from how to obtain a federal business tax ID to a free 6-session streaming video presentation of the "IRS Small Business Workshop." Also known as the Small Business Self-Employed Online Classroom, you can access this directly at: ,,id=97726 Cheap Air Max 360 ,


If you prefer to attend an IRS small business workshop in person, check here to see what's available in your state: ,,id=99202,


Need tax forms andor their instructions? Look no further than the IRS website: you'll find a boatload of links to every tax form imaginable, available as downloadable PDF files or in fill-in format. All form instructions can also be downloaded. Cheap Air Max 2019 ,,id=97817,


The IRS has many free publications that explain virtually every major (and many minor) tax topics in great detail. Sure, IRS "pubs" are not always written in the most entertaining style, but, hey Cheap Air Max 2018 , remember the price. ,,id=97819,


2. Telephone Hotlines.


Special toll-free numbers exist for the following:


-- To order forms & pubs: 800-829-3676 (in case you'd like to receive a paper copy via snail-mail)


-- To ask business tax questions: 800-829-4933


-- To ask personal tax questions: 800-829-1040


Use common sense when phoning the IRS: to avoid long wait times, don't call on Monday morning. And no matter when you call, be prepared! Write out your questions beforehand and have all relevant documentation in front of you Cheap Air Max 2017 , as well as a favorite book or magazine to read during the inevitable wait time. Stay calm; don't yell; treat the IRS employee like a human being and heshe will likely return the favor.


-- Need help with long-standing problems: 877-777-4778


-- Prerecorded messages on 140 topics: 800-829-4477


3. TaxFax Service. You can receive most IRS forms instructions via fax by calling 703-368-9694 from your fax machine.


4. CD-ROM for Small Business. This is known as "The Small Business Resource Guide CD-ROM", aka Publication 3207. It includes all the tax forms and publications needed to run a small business. Call 800-829-3676 to request a free copy.


5. Walk-In Offices. Need some face-to-face tax help? For a complete list of IRS offices in all 50 states, including hours of operation and contact info, check out:

A Look at Refinancing Mortgage Loans Finance Articles | April 18, 2012
In these recessionary times, more homeowners than ever are seeking financial relief through mortgage refinancing. Here are some things to keep in mind as you consider that prospect.

The current financial climate has been more of a storm for many and those folks are seeking some fiduciary assistance in the form of mortgage refinancing. So Cheap Air Max 180 , demand is up and so are those willing to meet that demand. Jobs have been lost, prices have gone up, and people are struggling to hold onto a way of life to which they had become accustomed. Looking across the market, there are many mortgage refinancing productions and they are varied in product and approach. Due to the selection, it is wise to shop around, compare interest rates Cheap Air Max 120 , look hard at repayment terms, and, though the hope is you will never need them, check out late fees and other charges and penalties. If you are careful, you can find a plan that will specifically benefit you.

Mortgage Refinancing Goals

Smart mortgage refinance shoppers will pull their own credit report. Having copies of your credit report will give you and your potential lender enough to go on as you shop. This prevents each prospective lender from passing a hard query to the credit reporting agencies each time you make an application. Too many direct requests can harm your credit rating. Also, if you know exactly what your report indicates Cheap Air Max 1 , you can prevent unscrupulous lenders from convincing you that you are not a very good loan candidate due to your credit history and then try to charge you higher interest rates.

Your next most important consideration, of course, is interest and other terms, conditions, and charges. This will vary from lender to lender and the state of your credit history. This will also be determined by the amount of equity you have built into your home over the years of ownership. And you will want to weigh the interest charges against other aspects of the loan such as repayment terms, charges Cheap Air Max2 Light , and fees. Maybe a lender is offering a loan at half a point higher but has more favorable terms and conditions than another lender who may offer at a lower rate but not so friendly terms.

Another thing that you may want to consider, is rolling outstanding credit card debt, or even an outstanding auto loan, into the refinancing package. Some lenders will work with you on that. Consolidating other debts may ease your monthly payments and simplify your bill paying. Yet another thing to consider before you begin your shopping, is to talk to friends and colleagues who have gone through refinancing themselves. Talk to them about their experiences and they may even be able to point you to an efficient and friendly lender.

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