August 2007
Monthly Archive
Keep St. Louis COOL! (AND Surrounding Areas!)
Be COOL and Help folks that need to BE COOL too!
Be a good neighbor and check on the older folks and anyone that is ill to be sure they are O.K.!
If you know of anyone that can’t pay their utility bills please have them call their utility company and let them know! They aren’t mind readers, you know! Make the call and let them know that help is needed.
HELP is available to you or your neighbor if you can’t afford to pay! It’s COOL to BE COOL enough to help your neighbor or those in need. How Cool are YOU? Volunteer to help or donate money (100% going to the needy!) You can mail in a check to: UMB Bank, P.O. Box 868, St. Louis, MO 63188 or CHARGE IT on their secure site. They make it E-Z to HELP!
General07 Aug 2007 09:51 am
CONDO INSURANCE….ARE YOU COVERED?
Buying a condo is somewhat different than buying a house!
Most likely, you’ll be required to join a condominium association. The associations carry insurance on the properties, but just what IS covered?
Typically, the insurance they carry covers the building, common grounds (you share in the enjoyment of same) and liability insurance.
Because the insurance doesn’t cover your personal losses to your unit or personal property, you need to obtain insurance from a reliable company to protect those items. You’ll also want to insure against the liability for injuries sustained in your unit (like a fall).
Everything you put in the condo (or rental property!) is your responsibility. You need to know the value of these items. You can take photos too of those items or a video and then store it off-site. Consider a safety deposit bank at your bank for storing valuables and also for important documents. Need references to locate an insurance company. Call us, we can help! 314-542-9440
General and Helpful Tips and Taxing Time03 Aug 2007 11:44 am
Proceed With Caution!
I just read that .97% of individual tax payers are getting audited by the IRS. It sounds like a small percentage, until it’s you. I do represent taxpayers before the IRS.
The biggest issue going on with individualIRS audits is that they take total deposits from your bank records as your total income. (So if you sold a car or that old piano, make sure you keep records so you can prove it’s not taxable income.)
Need more information before tax time becomes taxing? Give me a call!
Lisa Bushur C.P.A. Group, LLC
174 Clarkson Road, Ste. 100
Ellisville, MO 63011
636.386.1040
636.386.1044 fax
General and Helpful Tips01 Aug 2007 02:01 pm
Risky Business and Credit Theft
Ever have anyone ask you to provide the last 4 digits of your Social Security number? With promises they’d verify who you are and they’d give you information or whatever your signing up to do? Yeah. Right.
You know how they ask you for that information when you change doctors, or on other occasions ask for the little 4 digits! Well, It’s risky business to do it.
All anyone needs is your name and address and those 4 little digits and they can access your credit report!
Did you know that the credit report will have your full Social Security number? Opening the doors for others to see the number.
Unscrupulous people can probably guess the rest of the numbers.
Did you know they base the first five digits on your place and date of birth?
Ok, so what’s a poor fella or gal to do?
Ask WHY they need those 4 little numbers.
You’re only legally obliged to give it to financial institutions, employers or folks needing to report to the IRS.
Remember to shred any important documents….even those with just those 4 little digits!
Get your FREE Credit Reports at least annually to be sure the information is correct and that any errors are corrected. If you’re ordering it on-line, make sure the URL begins with https:// (note the s, which indicates a secure site…also look for the lock).
It’s your life and your credit at risk!
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