National Protect Your Identity Week: October 17-23

The week of October 17th-23rd is designated as National Protect Your identity Week.  This week is geared towards educating the public about identity theft and how to protect yourself and the ones you love.    The website protectyouridnow.org  has several resources that will help you with this endeavor.

Other useful tips that you can follow include:

  • Use a shredder to shred all of your personal statements.
  • Never carry your social security card in your wallet or purse.
  • Never give personal information to people over the phone unless you initiate the call.
  • Check your credit reports at least once a year and look to see that everything is accurate.

 

Let’s join together to educate each other and our communities about identity theft.

Posted in consumer laws, education, personal finance | Tagged , , | Comments Off on National Protect Your Identity Week: October 17-23

Earn extra dollars with InboxDollars.com

Nowadays you often hear about how bad the economy is.  Unemployment is high and everything costs more.  Many people are looking for alternative means of earning extra money.

I recently came across a new website titled Inboxdollars.com.  This site provides individuals with an easy way to earn extra money.  As an additional incentive, there is a $5 sign up bonus.  Best of all, It is free to join.

Inboxdollars.com has several ways for you to earn money.  Individuals can be paid to read emails.  Another option is to get paid for taking online surveys.  The money generating opportunities do not stop there.  There are opportunities to try name brand products, play games online, and even shop online.  Some of the most popular brands come from stores such as Target, Wal-Mart and Netflix.

Inboxdollars.com is a free and easy way to make extra money.  Give it a try today.

Posted in personal finance, Savings | Tagged , | Comments Off on Earn extra dollars with InboxDollars.com

Your Coffee is on us.

On Friday April 16th, in honor of the end of tax season, become our fan on facebook and we’ll give you a free Dunkin Donuts or Starbucks gift card towards a free coffee.   The first 50 people to become our fan and email us at fca@fcallc.biz will receive a gift card.   Our facebook fan page can be accessed by visiting our website at http://www.fcallc.biz.

Posted in Uncategorized | Comments Off on Your Coffee is on us.

Countdown to April 15th

The tax filing deadline is only a month away.  If you are like many Americans, you haven’t filed your taxes yet.  But do not delay.  April 15th will be here before you know it.  What can you do now in order to stop procrastinating? Listed below are some quick tips to help you meet the deadline:

  • Organize your receipts in envelopes in order to easily categorize them.
  • Visit the IRS website www.irs.gov and be familiar with your specific filing requirements.
  • Efile your return to safely and securely file your taxes.
  • April 15th is the deadline to pay your taxes. However an extension to file can be requested using Form 4868 Application for Automatic Extension of Time to File U.S. Individual Income Tax Return.

 

What are some of your tips for meeting the tax deadline?

Follow us on Twitter.: http://twitter.com/1stCapAdvise

Posted in personal finance, Taxes | Tagged , | Comments Off on Countdown to April 15th

America Saves Week 2010

Join First Capital Advisors along with several organizations across the county as we participate in America Saves Week, February 21 – 28, 2010.  The purpose of America Saves Week is to encourage, individuals and families to set savings goals and to improve their financial goals and financial education.  Several organizations across the country will be participating and will be hosting various financial literacy programs.  A full list of participants can be found on the America Saves website at www.americasavesweek.org.

The America Saves Week Website has some unique features to get participants started on their savings goals.  Some of the unique features include:

  • Short financial survey
  • Listing of participating organizations and events
  • Downloadable Financial literacy materials
  • Savings messages
  • America Saves Week Build Wealth Not Debt e-mails
  • Access to the In Charge® Education Foundation Mind Your Finance program

This is a critical time for everyone to participate and become encouraged and empowered.  Our nation is still struggling and unemployment is still very high.  It is my hope that participants in the program will be enlightened and encouraged to save for the future.

Will you be participating in America Saves Week?  If so, what activities do you have planned?

Posted in education, investing, personal finance, Savings | Tagged , , , | Comments Off on America Saves Week 2010

New Credit Card Application Procedures

 

Within a few weeks, credit card companies will start verifying your income before they process your credit card applications.  This will also apply for credit limit increases. The companies will go as far as asking for pay stubs and copies of your prior year tax return. 

Companies such as the major retailers are using another tool called the Income Estimator.  This helps them to estimate your income based on data compiled from your tax return.  The income estimator has both pros and cons.  It provides a convenient way for retailers to process instant credit requests.  On the flip side is that the income estimator may not be too accurate. 

So what can you do to prepare for this change? The first step is to gather the tax return and pay stub data.  Additionally, check your credit report to ensure that all of the data is accurate. 

Your credit report can be obtained by contacting the credit bureaus or by visiting the site below: 

www.annualcreditreport.com/cra/index.jsp 

Follow us on Twitter.: http://twitter.com/1stCapAdvise

Posted in credit cards | Tagged , | Comments Off on New Credit Card Application Procedures

Let’s Celebrate Global Entrepreneurship Week!

j0439493

Global Entrepreneur Week (GEW) is from November 16th-22nd.  The movement is a collaborative effort between countries across six continents to encourage young adults to pursue careers as entrepreneurs.  I am very excited about this movement.  There is no better time like the present to grow and harness our ideas.  Entrepreneurship is the cornerstone of our economy in the United States and many other countries.  Additionally entrepreneurship teaches young adults to be creative and to come up with ways to improve their community.

 Throughout the week of November 16th, countries across the globe will host various events on line or in person to celebrate and encourage entrepreneurship. Global Entrepreneurship week has four main goals: to inspire, connect, mentor, and engage.  Let’s get started today by encouraging our youth to think big and to serve and improve their communities.  In the United States schools children have the opportunity to think like entrepreneurs through programs such as Junior Achievement, DECA, or Future Business Leaders of America.  Let’s continue to encourage our youth’s continued participation in these activities.  If you are an entrepreneurial parent, speak to your children about why you went into business. Encourage your children to think outside the box and go into business for themselves.  For more information on Global Entrepreneurship Week visit: www.unleashingideas.org.

 

Follow us on Twitter.: http://twitter.com/1stCapAdvise

Posted in education | Comments Off on Let’s Celebrate Global Entrepreneurship Week!

IRS Seeks to Return $123.5 Million in Undeliverable Refunds to Taxpayers; IRS Reminds Taxpayers to Use E-file and Direct Deposit

Source: IR-2009-101, Nov. 5, 2009

WASHINGTON — The Internal Revenue Service is looking for taxpayers who are due to receive a combined $123.5 million in the form of 107,831 refund checks that were returned to the IRS by the U.S. Postal Service due to mailing address errors.

“We are eager to get this money into the hands of taxpayers, so don’t delay if you think you are missing a refund,” said IRS Commissioner Doug Shulman. “The sooner you update your address information, the quicker you can get your refund.”

All a taxpayer has to do is update his or her address once. The IRS will then send out all checks due. Undeliverable refund checks average $1,148 this year, compared to $990 last year. Some taxpayers are due more than one check.

Average undeliverable refunds rose by 16 percent this year, which is in line with the 16 percent rise in average refunds for all tax returns in the latest filing season. Several changes in tax law likely played a role in boosting refunds, including the First-Time Homebuyer’s Credit and the Recovery Rebate Credit, among others.

The vast majority of checks mailed out by the IRS each year reach their rightful owner. Only a very small percent are returned by the U.S. Postal Service as undeliverable.

If a refund check is returned to the IRS as undeliverable, taxpayers can generally update their addresses with the “ Where’s My Refund?” tool on IRS.gov. The tool enables taxpayers to check the status of their refunds. A taxpayer must submit his or her social security number, filing status and amount of refund shown on their 2008 return. The tool will provide the status of their refund and in some cases provide instructions on how to resolve delivery problems.

Taxpayers checking on a refund over the phone will be given instructions on how to update their addresses. Taxpayers can access a telephone version of “Where’s My Refund?” by calling 1-800-829-1954.

The IRS encourages taxpayers to choose direct deposit when they file their returns because it puts an end to lost, stolen or undeliverable checks. Taxpayers can receive refunds directly into personal checking or savings accounts. Direct deposit is available for filers of both paper and electronic returns.

The IRS also encourages taxpayers to file their tax returns electronically because e-file eliminates the risk of lost paper returns. E-file also reduces errors on tax returns and speeds up refunds.

E-file coupled with direct deposit is your best option; it’s easy, fast and safe.

Posted in personal finance, Taxes | Tagged , , | Comments Off on IRS Seeks to Return $123.5 Million in Undeliverable Refunds to Taxpayers; IRS Reminds Taxpayers to Use E-file and Direct Deposit

SEC Launches Investor.gov

Have you heard about the new investor website by the Securities and Exchange Commission (SEC)?  This website is yet another great tool for investor education. I’m very excited about the launch of this new site and I’m sure you will be too.  For more information, visit: www.investor.gov.   Please share your thoughts with us after you’ve visited the site.

 

Posted in education, investing | Tagged , | Comments Off on SEC Launches Investor.gov

How to Avoid Foreclosure Rescue Scams

Many homeowners are struggling to keep their homes. Unfortunately, there are companies out there who promise to help but only have their own interests in mind.  I recently read this great article from Stretcher.com.  This is a great article which provides useful tips on avoiding the scammers.  The full article can be found at www.stretcher.com/stories/09/09aug17e.cfm.

 

 Don’t forget to follow us on Twitter: http:// twitter.com/1stCapAdvise

 

Posted in consumer laws, mortgage, personal finance | Tagged , , | Comments Off on How to Avoid Foreclosure Rescue Scams