I have composed a guide to buying safely online. Please review before making any purchases.

When sending payment:

1. Never wire funds via Western Union/Moneygram
2. Fake cashier check & money orders are common. Banks will cash them and then hold you responsible.
3. Never give out financial information such as bank account numbers, social security number.

Buying and selling with Paypal:

1. Never send money to an account with an unconfirmed address.
2. Always get and save the tracking code incase your paypal claim needs it.

When meeting someone for the first time for a local pick-up, please remember to:

1. Insist on a public meeting place
2. Tell a friend or family member where you’re going
3. Take your cell phone along if you have one
4. Consider having a friend accompany you
5. Trust your instincts

Who should I notify about fraud or scam attempts?

1. FTC toll free hotline: 877-FTC-HELP (877-382-4357)
2. FTC online complaint form (http://www.ftc.gov)
3. Canadian PhoneBusters hotline: 888-495-8501
4. Internet Fraud Complaint Center (http://www.ic3.gov)
5. Non-emergency number for your local police department

Ordering personal checks from your bank is a thing of the past. You can now order cheap checks faster and cheaper than ever. Save time and money and order cheap personal checks online. Most providers offer free shipping, and quick delivery. You can order these checks from the comfort of you own home in pretty much any design you can think of.

When you order cheap personal checks from your bank, there truly not that cheap. Banks charge you extra for these checks because they ordered them, shipped them and held them for you. Cut out the middle man and order your checks online. Next time your looking for discount personal checks, don’t settle with your local bank. Search the thousands of online businesses that provide these great prices.

While you place your order for personalized checks, it’s a good thing to pick up some accessories like extra deposit slips, checkbook covers and address labels to match your checks. If you order at once, you will save on shipping but not having to reorder. Instead of paying shipping 3 times, you can pay shipping 1 single time.

Some popular styles to choose from are: nascar checks, liberty checks, disney checks & christian checks.

Next comes address labels. Some websites offer free labels to print. This is great because, again, you save money. You can try downloading free address labels online or ordering artistic address labels from the internet. If you want to download them, many websites offer free printable return addresses labels. You can be creative and design you own return labels on your computer and print them out to match your personal checks.

H&R Block’s Income Tax Course gives you the knowledge you need to prepare taxes. H&R Block income tax course is taught by experienced H&R Block tax professionals. Whether you want to possibly earn extra income or brush up on your tax skills as a tax professional, learn tax preparation from H&R Block.

H&R Block is a leader in tax preparation. H&R Block has prepared more than 400 million tax returns since 1955.

H&R Block Income Tax Course will teach you everything you need to know.

Participate in H&R Block’s brand new interactive learning experience and learn to prepare electronic tax returns.

Learn tax training from the most experienced H&R Block professionals so you know you’re getting the best instructions.

Don’t have a lot of spare time? H&R Block classes give you all the training you need with a tiny amount of out-of-classroom work.

Flexible Course Times meet 2 or 3 times a week. You choose days, nights or weekends!

You can always check with your friend who has recently got a credit card deal, since that might cut down the time needed for hunting-for a good credit card deal. It’s really a matter of evaluating your own needs. If you travel a lot by air, a card that offers you good rewards, rebates or benefits on travel would be a good credit card deal. Sometimes the airlines themselves have their own credit card company from where you can get a good deal. For people shopping at a particular store, a good credit card deal would be a card that offers discounts, rebates and rewards on shopping. The retail stores themselves might have credit cards on offer that could be beneficial to you. Then there are credit card deals that are linked to gasoline stores or big grocery chains. Some big grocery store offer a discount on gas with a certain amount of groceries purchased using there credit card. If you don’t have any specific needs, you might use a general purpose credit card that gives reward points on every purchase you make on your credit card. These points can then be redeemed for cash/rewards. This card could become a good credit card deal for you.

A lot of people just look at low interest credit cards when they are looking to get a credit card for themselves. The credit card suppliers too advertise low interest credit cards more that any other kind of credit cards. However, should low interest credit cards be the only ones on your list when you are hunting for a credit card? Probably not. For some people, interest rate or the APR is probably the most important thing to look for when selecting a credit card. However, that doesn’t hold good for everyone. Low interest credit cards are good and should surely be on your list, but APR is not the only thing to look for.

Let’s start with understanding what an APR (annual percentage rate) is and where its importance lies. APR is simply the interest rate that is used to calculate interest on the balance in your credit account with the credit card supplier. There is no interest charge if you make the full payment of your credit card bill (by the due date). However, in case of a partial payment, you will need to pay an interest on whatever you owe the credit card supplier. The APR is backward calculated to get a monthly rate and the same is applied on your balance to calculate the interest for the applicable period.

That means, people who are not sure about being able to pay the full amount, every time, should surely look for low interest credit cards. A low interest credit card helps in reducing your total outgo by curtailing the interest you pay on your balance. So, low interest credit cards help in slowing down the rate at which your credit card debt builds up. Thus low interest credit cards are surely important for a particular group of people, as stated above.

So the need for low interest credit cards is more felt by a particular group of people. However, even if you go for a low interest credit card, you need to pit the various low interest credit cards against each other (vis-à-vis the other benefits they offer) and then select the low interest credit card that is best suited to your needs.

Besides this group, there are others who don’t really need low interest credit cards. These people are capable of (and intend to) pay off their credit card bill in full every month. Their purpose in using a credit card is convenience and other benefits associated with the credit cards. So, be it low interest credit cards or high interest ones; it really doesn’t matter for them.

So, first you need to evaluate whether you need to go only for low interest credit cards and then select the low interest credit card that fulfils your needs. After all, you don’t go hunting for a credit card everyday.

After the client has finished treating and a significant amount of time has passed to ensure that there will be no permanent injury or long term sequalae, a demand package (also known as a Settlement Brochure) is sent to the insurance claims adjuster. There are a few ways this can be done, but the simplest way is with a demand letter and indexed copies of all the supporting documentation.

The letter is broken down into the following topics:

The background of the case including a description of the incident
A description of the client’s injuries and treatment
A tally of the client’s medical specials and other economic losses
A statement regarding the client’s non economic losses (pain and suffering)
A description of how the insured is liable for the client’s injuries
A demand for money to compensate the client

From the start of the case, you should be collecting documentation of all the facts. The police report and damage estimates will be part of your investigation. Also, photos of the damaged vehicle and the client’s injuries are important.

Instruct the client to keep receipts of everything they spend out of pocket that relates to the incident. You should also educate the client as to how to keep a diary of how the injuries caused non economic losses. At the time of signing the client, you should have boilerplate client education materials which you give to the client to assist in helping the client to understand the personal injury process.

At the time the client is signed up, you should have begun the process of obtaining the client’s medical records and statements of charges from the medical providers. Try to establish a rapport with the providers, so that you can get them to send you updated records and bills on a regular basis.

If the client’s medical records indicate that the patient has sustained serious, permanent and/or disabling injuries, you will want to send the client back to the treating physician for a disability rating. Permanent injuries include. but are not limited to injuries that are disfiguring, such as scars, broken bones and paralysis. Disabling injuries include injuries that cause interference with the client’s “Activities of Daily Living (ADLs). You will give the client a letter to give to the doctor, that explains what you need. Remember that a serious, permanent injury resulting in disability will raise the value of the case and you will want to include the physician’s statement regarding disability in the demand. In many cases, the insurer will send your client for an IME, an Insurance Medical Examination, as is their right. The insurer will use this sham exam as a way to refute your expert’s opinion on disability as a way of reducing the amount of liability. The way to deal with this situation is to dig up as much dirt on the insurer’s IME doctor as possible. This will be discussed in a future article.

Once you have everything in place, you can assemble everything in the form of a booklet, using a pronged folder. It doesn’t hurt to have a cover, so you may want to scan and print out a photo of the client’s wrecked vehicle or a photo of the injured client to grace the front cover of the brochure.

- First and foremost, if you are injured, you have to get immediate medical care. You have to tell your doctor what exactly happened so he can treat you accordingly. This can also help establish a detailed medical record that will be useful later.

- The next course of action you should take is to document the injury. Write down an account of the accident as soon as possible so that the details are still clear in your mind. Taking pictures of the scene of the accident is a good idea because the photos can also be used as evidence.

- If the personal injury is from an automobile accident, you will want to inform the police and your insurance company right away so appropriate actions will be taken.

- If your injury happens in the workplace, report what happened to your employer, boss or manager right away.

- Listen to all advice you receive from other people along the way, as some of them may be useful for you. However, do not make decisions impulsively. Think of the pros and cons of whatever action you wish to take.

The key to successful personal injury settlement, though it may seem counterintuitive at the time, is to record and document everything that has happened. Having detailed and tangible evidence is your best defense if your case goes to trial. And even if it doesn’t, having a comprehensive and detailed paper trail at hand will enable better negotiating for you, and you will end up, hopefully, with a higher payout as well.

Full-time Associates

At H&R Block, we believe in benefits that make a difference. That’s one reason we’ve put together a generous and progressive package. Among our offerings:

• Medical Benefits: Options, options, options: PPO, HMO, EPP. We offer a broad, comprehensive protection plan that will fit your personal needs.
• Adoption Assistance: Associates are eligible for up to $3,000 per child to assist with recognized adoption expenses.
• Domestic Partner Coverage: We offer benefit plan coverage to domestic partners in exclusive relationships as well.
• Dental Benefits: Whether or not you elect medical coverage, you can choose dental benefits for you, your spouse/partner or dependents.
• Vision Plan: From frames to contact lenses, we’ve got you covered.
• Life Insurance AD&D: We are in the financial security business so life insurance and accidental death and dismemberment are important components to our benefits package.
• Disability Benefits: Our Long-Term Disability plan provides continuing income when an illness or injury prevents you from working for an extended period of time.
• Flexible Spending Account: We know that unreimbursed medical and dependent daycare bills can add up. That’s why we offer flexible spending accounts as an attractive way to use tax-free dollars to cover those costs. Our dependent daycare spending account is available for the care of children or an elderly or disabled parent.
• Stock Purchase Plan: H&R Block believes in its future - we want you to as well. You may have part of your regular compensation withheld from your paycheck on a monthly basis to purchase Block stock in your name at a discount.
• Vacation: Time away - it’s crucial. In fact, we let you start accruing vacation time from the date you’re hired.
• Tuition Assistance Plan: We encourage you to make life-long learning a priority. That’s why for our full-time associates, we’ll reimburse up to $5,250 per calendar year for qualified tuition, books and enrollment fees after one year of employment.
• 401(k) Savings Plan: As an H&R Block associate you will be enrolled in our 401(k) savings plan - and receive our generous match of dollar for dollar on the first 5 percent of your contributions! Company matching contributions are always 100% vested.

Seasonal Associates

As an H&R Block seasonal associate, you’re eligible to receive many quality benefits. Take advantage of:

• Medical Benefits - Limited medical PPO options available.
• Dental Benefits - Whether or not you elect medical coverage, you can choose dental benefits for you, your spouse or dependents.
• Vision Plan - Annual reimbursement for examination and discount platform for frames and contact lenses.
• Term Life Insurance & AD - We are in the financial security business so term life insurance and accidental death are important components to our benefits package.
• Disability Benefits - Our Short-term Disability plan provides continuing income when an illness or injury prevents you from working.
• Seasonal PTO Grant - Associates who work 1,000 hours per year could qualify for vacation, sick and holiday pay for the next fiscal year.
• 401(k) Savings Plan - As an H&R Block seasonal associate you’re eligible to participate by working 1,000 hours in your first year of employment or in a subsequent plan year. Plus, you may qualify for our generous match of dollar for dollar on the first 5 percent of your contributions!
• COBRA - Continuation of coverage is available to provide our Seasonal Associates year-round rewards.

The company they built has transformed itself into America’s financial partner, operating out of more than 12,500 tax offices in the United States and more than 1,300 more locations in Canada, Australia, and the United Kingdom, serving nearly 19.5 million taxpayers worldwide. What happened in between is a success story marked by tenacity, persistence, and the promise of the American dream.

You can find a local H&R block office with this office locator:

Office Locater

Rebate checks will soon be on their way to American families. The House and Senate have approved the President’s ecomic stimulus plan. This check will be mailed out early May, according to your social security number. You should recieve your check by August. The amount you receieve depends on your Gross Adjusted Income for 2007″

* individual taxpayers will receive a $600, Couples will receive $1,200, with another $300 per child.
* Individuals who don’t earn enough to file Federal Taxes, but who earn at least $3,000 a year, will receive a smaller check of $300.
* You will receive a smaller check if you earn more than $75,000, or $150,000 as a couple filing jointly.
* The cutoff is $85,000 a year for individuals, $174,000 for couples: Beyond that, you no longer qualify for any check.
* The good news for lower income consumers who pay no Federal Income Tax, and Seniors on Social Security, : they will still be able to receive a check.

Also see Government Rebate Checks