What to do after you’ve lost your social security card

Now that you’ve lost your social security card, what’s next? Is it time to panic and make frantic calls to every member of your family? Well, definitely not! I am aware that losing personal information can be extremely unnerving, nevertheless, It doesn’t warrant you to panic or become restless. Restlessness could result in more trouble, so sit down, recollect yourself and plan a way forward.

When one loses such a card, the biggest question is, how much of a problem is it? Well, losing the card isn’t an issue. In fact, replacing it is very easy and free. What you need to worry about is, in whose hands does the card land. Identity thieves could use the account to impersonate you which could become a problem. However, if you take action quickly, you change the odds to be on your side. I have specifically prepared this for you. Read on at https://lostsscard.com/how-to-get-a-same-day-social-security-card-replacement/.

How do you protect your identity?

First and foremost, you will need to protect your identity. If you are not sure if someone is already using your identity, closely watch your credit reports. Criminals use stolen SSN cards to apply for credit cards which they can use to pile up debts on you.

If you are looking for a sure way to see if a criminal has already stolen your identity, you can request a credit report from AnnualCreditReport.com. after acquiring a credit report, look out for any anomalies. Specifically, you will be looking for any types of unauthorized credit taken in your name. If you have the suspicion that someone has already stolen your SSN proceed and visit IdentityTheft.gov. This website is run by the FTC specifically for people to report stolen social security numbers. After this, be sure to contact the IRS so that they can prevent identity thieves from using your SSN to file for tax returns.

What if you don’t find evidence of identity theft?

If you have already checked everywhere and there is no evidence of identity theft, you will have to apply for a new card online.

To qualify, you have to be a United States citizen; 18 years and above. You will also need a mailing address within the US, a state-issued ID or a driver’s license. In case you don’t qualify to apply online, physical applications can be done at your local social security office, by mail or in person. It is also very important to note that each person is allowed to apply for only 3 SSNs annually and only ten in your entire lifetime.

What if someone has already stolen your identity?

If indeed you have evidence that someone else is impersonating you, go ahead and apply for a new SSN at your nearest Social Security office. You only need to prove that someone has stolen your identity. If this evidence can’t be provided, it will be difficult to get a new one.

Next time, you do not want your social security number getting lost or landing in the wrong hands. To prevent this, don’t carry the card with you because it is pointless. Instead of storing it in your purse or wallet, keep it safely at home or any other location where you feel it is secure.

Selling your home

Home selling is a common business that has dominated the real estate industry. Most of the home sellers do this may be because they are relocating somewhere else or going abroad but not coming back anytime soon. Many people outside there advertise their homes for sale instead of going to trusted alternatives like Houston’s best home buyers.

Tips on selling your home fast

You among the home sellers right? What do you need to know in order to sell your home as fast as possible? You should bare into your mind that you are not the only one selling such type of home. The market is highly competitive thus you need to up your game. Consider the below tips;

1. Ensure you easy to reach

Once you have advertised your home for sale. Be assured of receiving several phone calls, several appointments from various potential clients coming to view the property. You should promptly respond to such phone calls. And always be ready anytime in case a client wants to see the property, they should access it as soon as possible.

The way you talk to the potential buyers at this point matters a lot. You should be professional in your language. Persuade them and give them time to think about the property.

2. Go for the best broker

There are several real estate brokers outside there. When selling your property, before choosing a broker to use as your middleman. You should check the broker’s reputation and his fame within the industry.

Go for that broker with the best market experience, the one who understands the market better, that one who knows how to maneuver ways of getting clients very fast.

3. Proper advertisement

Commodities that are advertised properly have got a higher chance of reaching potential clients very fast. When advertising, consider choosing that advertising platform that reaches several potential clients in a shorter time.

Consider using social media, billboards, and many other advertising platforms. Use of such platforms will enable you to reach the market very fast.

4. Free the home from your personal items

When selling your home, it is important to keep your personal items away or completely remove them. Why? This is because people have different tastes and preferences. What impresses you may appear to be boring to someone else.

In order to give your potential client a sense of belonging. Keep off some the items that you used in furnishing the home. Making the home have a neutral look can make one easily make a decision of buying your home without thinking twice.

5. The home should be always tidy and clean

Once advertised, you are bound to receive several clients who would like to view the home. A good number of your clients will be impressed with what they see and breathe. A clean and tidy room with a very fresh natural fragrance is likely to attract more buyers.

But if the rooms are messy, unclean and producing an awful smell, the clients may not be attracted to it. But if they are attracted, they will need it at a very lower rate then what you projected in your budget.

Time is money. No one would wish wasting it but to fully maximize time. Considering the above factors will be the best time-saving tips for you in case you planning to sell your home.

Why you should not rush to sell your home

Get that quick cash and move on, sounds perfect when selling your home right? However, rushing to sell your home is never an ideal option. Homeowners need to understand that timing has effects on a sale. If you get your timing right, then you can get the best deal and get value for your home. Here are reasons why you should be tactful in timing the sale of your home and never in a rush unless you’re with Houston’s best home buyers.

1. Research first and put the right price tag.
During the sale of a home, the seller often has a price tag slapped on the property. Overstating or understating this can have adverse effects on the success of the sale. Overstating it can put off potential buyers while understating it can get you a lousy deal. Prior to the sale, the home value needs to be assessed correctly and you can even opt to do a little benchmarking on prices of similar homes in order to come up with the right price tag. This would encourage the participation of many potential clients and help you have a quick, successful sale.

2. Wait for the right season to sell your home.
Many homeowners may not be aware that selling their home during warm weather is usually ideal. During this time your garden and your home usually looks the most attractive. Besides, this warm weather encourages many potential buyers to go out to show days. During warm weather, your home can generate enough interest to secure a successful sale. While there may be potential buyers throughout, selling in warm weather is usually easier.

3. Wait to exploit market conditions.
In most cases, homeowners will have invested a considerable amount of capital in acquiring the home. This means that for a successful sale, they need to get returns equivalent to or close to their investment. In order to do this, you need to take time and schedule the sale in a time that you can exploit market conditions to get maximum returns. When looking at a sale in terms of market conditions, 3 things need to be considered.

a) The property market – is it a sellers market or a buyers market?
The property market is dictated by supply and demand.
In a sellers market, the demand exceeds supply meaning that there are more buyers than there are homes for purchase. In this scenario, homes tend to be sold faster and at higher prices which would be ideal for you the seller.

In a buyers market, there are more homes for sale than there are buyers meaning homes have to be sold cheaply in order to get a quick deal. This period would not be good for selling your home.

b) The interest rates.
Interest rates have an effect on home prices as people tend to take mortgages to finance their purchase. During high interest periods, borrowing is limited meaning buyers have low capital available for investment. Getting a good deal during this period can be a little difficult let alone getting a buyer. The ideal time to sell is when the interest rates are low since during this time potential buyers will have capital to acquire a property. You should time this period to get worthy returns.

c) The rate at which homes are being sold.
The ideal time to sell is when the time for waiting to get a buyer is reasonable. Extremes are not good and can be an indication that you need to reconsider a number of things.

In most cases, homeowners would have spent heavily to acquire their homes. Rushing to sell is not a guarantee you will get the best deal as in most cases sellers tend to be shortchanged in quick deals.

What is an SS-4 Form?

If you intend to start a sole proprietorship, trust, NGO or any other business entity in the United States, you must apply for an Employee Identification Number (EIN). The EIN will be useful during federal tax filing and reporting and other business functions such as applying for a new license. But to obtain an EIN, you must fill out an SS-4 form with the IRS or get the help of a company like https://www.federal-ein-application.com.

What is an SS-4 form?

It is an IRS form that you file when requesting for your business’s Employer Identification Number. The EIN will be assigned to your business or entity and is necessary for federal tax filing and reporting. There are different ways of obtaining form SS-4. You can get it from the IRS website, IRS offices in your area or by mail.

If you are a sole proprietor, you will only need one EIN no matter how many businesses you operate or the number of trade names under which your entity operates. However, you will require a new EIN should your business enter into a partnership.

How do you file an SS-4 form?

You can choose to file your SS-4 form through one of three ways: By mail, online or by fax. If you choose the online route, you can complete and file your form through the IRS website and acquire your EIN immediately. If you file it by fax, you will receive your number within four business days. If you file the form by mail, you will have to wait for about four weeks before you can get your number.

If your legal residence, principal office and principal place of business are not within the US, you cannot file the form online. However, you can still apply by mail or fax. Additionally, international applicants can also apply by telephone provided the person making the call has the authority to receive the EIN. However, this route is only available for international applicants.

What information is requested on the form?

Filing out the SS-4 form is quite simple. You will need the following information:

• Your entity’s legal name
• The entity’s trade name, if it differs from the legal name
• The individual authorized to receive tax information
• Your entity’s mailing and street addresses
• The location of your principal place of business
• The name of the responsible party
• The Social Security Number of the responsible party

Additionally, you will need to give out your reasons for application and answer various other queries including the type of entity, the date the business started, the principal activity of the business and the number of employees expected during the next one year.
Employers, partnerships, trusts, sole proprietors, estates and other entities must apply for an Employee Identification Number in order to file and report taxes. Failure to comply with IRS requirements can attract fines and even jail time. You should ensure that your entity has an EIN and that taxes are filed correctly. If have any questions or seek any clarifications regarding form SS-4, be sure to visit the IRS website.

The ease of updating your address

With the advent of the internet, updating your address is easier than ever. But it’s important to remember that your address isn’t only used by your mother to send birthday cards. There are a lot of things that could be disrupted in our modern lives if we don’t take the time to update our address everywhere with www.change-of-address-online.com.


First of all, you have to change your mailing address. Fortunately, the United States Postal Service has made that incredibly easy to do! Wait, easy? Bureaucracy? Yes, the USPS has created a streamlined address
changing process, and it all happens online. You don’t have to step a foot into the actual post office.

All you need to do is head over to USPS.com, find the “Track & Manage” tab at the top of the page, and
select “Change of Address” from the dropdown menu. From there you will fill out a form that lets the USPS
know where you are moving from and to. It is a very straightforward and quick process.


This is also simple, just not as quick. There’s no way around it, you have to go to the DMV. Oh, how I wish
you didn’t have to go there, but you do. You could have some sort of Mission: Impossible mask maker create a mask of your face, and then hire some kid to wear that mask to the DMV to get your ID for you, but honestly, it isn’t worth it. Just go.


So you’ve spent ten minutes changing your mailing address and you’re ready to call it a day. Not a good idea. You’ve made sure that your annual $10 from grandma will arrive on your birthday, but you’re not done yet. There are a lot of things in life that use our address, one of the more important things would be our credit card/debit card. You’re going to want your cards billing address to match your current address.

The internet has, most likely, made this easy for you too. All major banks offer online services these days,
and one of those services is updating your address. You’ll have to navigate to the page that has your
personal information on it, where you will, hopefully, be able to update your address. You may, however, use a smaller bank or credit union that doesn’t offer those online services. I’m sorry to say it but, in this case, you’re going to have to enter your bank in person. I know, I tried to keep it simple, but I didn’t tell you to keep your money with a friendly, local bank.


Okay, now you’ve updated your card’s billing address, you’re receiving your birthday money, but what about that Ab Roller 2000 you ordered on Amazon? Now that you’ve updated your cards billing address, you’re going to need to update the billing address on every subscription or shopping service that you have that card linked to.

Netflix? Apple Music? Spotify? Amazon? If it’s using your card, then you’re going to need to update that information before it gets charged again or else you could lose the service temporarily. What are you going to talk about with your friends when you’re not caught up on Stranger Things because you couldn’t update you billing information? New Taylor Swift? Not for you because you forgot to update your billing address. Do you see how serious this can get?

That’s about it! You’re getting your birthday money, you’ve updated your banking info, you’ve caught up on Stranger Things, listened to TayTay’s newest jam, and are on your way to a six pack with the Ab Roller 2000. And it’s all because you updated your address! Who knew life could be so easy?

Thank you for reading, and I hope you learned something!

The need for tax attorneys

Even the slightest mistake in taxation can lead to a business losing a lot of time and cash. When you are contacted by the IRS to make an audit due to poor record keeping, it can be very stressful and expensive for a business. This is why taxation is one of the areas where businesses ensure that there is not even a single error. To help you understand all the requirements of the IRS, you need a good tax attorney. Follow through for 5 reasons why you need a good attorney from a reputable law firm: https://deanhineslawyer.com/tax-attorney-columbus-ohio/.

1. Ability to litigate.

When you have been charged with crimes like committing fraud or evading tax, your CPAs and EAs cannot
litigate for you as a tax attorney can. When you are being investigated by the IRC, you need a good tax attorney unless you don’t fear going to jail. A good tax attorney will help you to defend yourself and even work out a reasonable solution.

2. Knowledge and experience.

A good tax attorney is well equipped with all the knowledge relating to tax. He or she understands all the
regulations and ways to deal with any complexities that may arise. Since he or she has experience dealing
with the IRS, you can be sure that he or she has all the strategies that are necessary for defend you against them.

3. Choosing a Tax Year

Just like any other business, your business will also have a tax year. You can set it on your own and
sometimes the government is the one to set it. A good tax attorney will help you to set up an appropriate tax year. On the other hand, he or she will also ensure that the tax year for your business complies with all the IRS requirements thus avoiding any penalties.

4. In case of an Audit

For any business, being contacted to audit by the IRS is one of the most stressful experiences. This is
because apart from wasting a lot of time, you are also at risk of heavy fines and even facing jail time.
However, when you have a good attorney, he or she will help you through the process. He or she can also file for penalty abatement or request for payment in instalments in case of any penalties.

5. Inheritances and estate distributions

Many people do not realize that inheritance is also taxable. When an estate is to be given to heirs, it is
expected that taxes be paid and a good attorney comes in handy. When you have a good attorney, a good
attorney will guide take you through all the procedures necessary to ensure that the IRS will not pursuit the
heirs to pay for tax.


It is arguable that tax laws are very much complicated and a slight mistake can easily lead to an audit. This is why you need to seek the help of a professional to help you navigate through the process. With a good tax attorney, you will be able to between tax law complexities and tax law reform of 2018, it’s beneficial to seek the help of a professional when in doubt protect your interests and even solve any tax problems as soon as they arise.

Payment Processing for CBD

Quite recently, CBD has gained immense popularity as a drug. This a compound obtained from Hemp plant. The CBD oil has been proven to be very effective in many mild and chronic diseases. It acts as a natural analgesic as well as anti-inflammatory and anti-anxiety agent. It is also very effective for the treatment of
epilepsy, cancer and depression. Extensive research is being carried out all around the world to prove the effectiveness of CBD oil as medicine.

Yet, only 25 of the states that have legalized the medicinal use of marijuana have legalized the use of C80. It is illegal in the rest of the states. As CBD is produced from hemp plant and it is very closely associated with marijuana, there are several reasons to use the payment gateways for CBD from https://thesoutherninstitute.com/cbd-payment-gateway/.

1. lllegality of CBD

CDB is obtained from hemp plant; which is why it is deemed as illegal and prohibited in many states of United States of America. Only the 25 states that have already legalized the medicinal use of marijuana have legalized CBD. The retail and online sale of the drug is not allowed in the rest of the states.

The mode of production and some of the ingredients are red-flagged as associated with marijuana and thus it has also been branded as illegal by these states. Although marijuana is also a highly debated issue around the world because of its positive medicinal uses and negative addictive effects, it is has been legalized in many of the states. This legal barrier has made the sale of CBD a highly risky business. CBD payment gateway is a solution to avoid these legal hinges.

2. Insecure Payment Processing

The payment processing is very insecure in case of C80. The reason behind this is that the states where the sale of CBD is illegal, it is highly risky to do business. Payment processing, bank payments and other financial services are not available in those states where it is illegal. Securing the payment processing is the real challenge.

Financial services for the operation of CBD oil business are very difficult to find. Insecurity in financial transaction is one of the most pressing issues with CDB merchandise. This challenge is being taken up these CBD payment gateways.

3. Opening Of Bank Account

The biggest challenge that the business men wishing to operate in CBD oil business face is opening of bank accounts.

The payment gateways solve this problem and help them in the opening of the bank accounts for their
businesses. For this purpose, they even use off shore accounts to make the banking transactions more

4. Future Prospects

Being tied with marijuana, the CBD business will always remain a risky one. Yet there is the hope that with
continued positive research and the evident health benefits, these may finally overwhelm the negative
aspects and it becomes secure.

However, till then, payment gateways are significant as they are used to have a more secure transaction

5. High Risk Merchant Account

As it is evident from all of the above-mentioned points, the business of CBD has a very high risk factor.
Hence, the solution is to have high-risk merchant accounts. There are many companies that provide
consultancy services in this regard.

Payment gateways are also a solution to these issues. Specialized accounts for online and offline trade have
to be maintained.

Problems you will face with bad SEO

Google has changed the guidelines of local seo and now we have to deal with it. It will not be a long time before the most popular internet marketing blogs start referring to this new feature and how it’s a large issue for search engine optimizers, simply because everything that Google changes is harmful to us, right? Refer to its Secrets. No problem with a few insider tricks. But an SEO company that goes on and on about the amazing secrets it uses to get you results is not a company you want to be doing business with.

Dangers of having bad SEO?

Pretend Social Networks Don’t Exist

Focusing only on fixing up your site and submitting various content to blogs and networks isnt going to cut it. A social campaign requires a light, fine touch, and your business needs an agency that knows how to use (and not abuse) the social networks.

Imaginary Link Building

When an SEO outfit talks about building links back to your brand, but makes absolutely no mention of
content creation, you know they aren’t serious. The word building’ is used for a reason: these things take work and must be properly constructed by an seo in baton rouge.

Quickly Pushing More Services onto You

Having you pay extra for big projects and web design is one thing, but if you sign up for SEO and realize
youre going to have to pay for ten other services on top of it, whats the point? Differentiating between
honest, paid help and aggressive sales tactics is fundamental.

Hold Old-Fashioned Business Hours.

The internet doesnt operate on a 9-to-5 schedule. If your prospective SEO Agencies havent got someone
you can reach at anytime, be weary. SEO is done at all hours, and the best agencies are ones with a global
reach across every time zone.


Especially when it comes to commenting on blogs and posting to forums. For the bad SEO Agencies, this is
often their entire social media strategy: post generic text, link back to customers site. Buyer beware, indeed. But what local business without SEO-consultant is aware of these changes and knows what to do about them? Probably no one. Because of that, seo once again actually is a major competitive advantage and that’s an excellent thing. It can help our industry if more and more people become aware to the fact that seo can in fact be the thing they have to have in order to overcome their rivals.

Do No Research

If the company trying to optimize your business knows nothing about your sector, how are they going to help you? Bad agencies jump right into SEO and treat it like the same process for everyone. Good agencies know that its nothing like that.

Refuse to Change

This is built into the business plan of the best SEO Agencies. Search algorithms and consumer behavior
change constantly. Look at all the new forums of communication that pop up in a single year online. If your
company cant keep up with them, get a new one who can.

If you require instant expert internet marketing advice, be sure to visit this great SEO Agency, you can chat
with an SEO Expert instantly 24X7-365. They offer an excellent service with reasonable SEO Pricing.

Credit Cards for Online Businesses

Online businesses are known to have a lot of privileges compared to regular businesses. Nowadays, wherever people go, there are website addresses and online services offered easily to people all around the world. Ordering products on the Internet are also quite easy. All of the additional flexibility of online businesses have made them preferred by a lot of customers and merchants.


What’s more, by switching to a system that accepts credit cards, you’ll also help streamline your accounting system and improve the overall cash flow for your business. This article will examine these benefits in more detail, and also provide some basic guidance that can help you select a merchant account provider that’s right for your business needs – https://highrisk.solutions/best-merchant-services/.


Having the best merchant services that also have credit card processing options is required. Any merchant needs a merchant services provider who takes care of the transactions between the bank and the merchant. This is specifically true as the business grows and the number of orders increases. It is important to choose the best merchant services with credit card processing possible to be sure that present and future customers of your business are going to be satisfied and become regular customers.


Merchant accounts are available from a wide range of banks and other financial institutions. Choose one with experience in offering account services, as well as one which has experience dealing with small businesses, which can often help direct you to specific products and services ideal for your type of business, as well as discounts that can help you achieve substantial savings.


Credit card processing is important because most of the customers today prefer to use their credit cards to make payments. As a merchant, it is unwise to refuse a customer’s order simply because you cannot accept the payment method they offer. Making sure that you offer credit card and debit card payment methods will help advance your business, make it available to more and more customers. The best merchant services you choose for your business are required to provide credit card processing, as well as debit card processing for you to be able to accept such payments.


Unfortunately, not all of the merchant services providers have the option for credit card processing, and this is why you need to pay careful attention to the provider you plan to hire for your business. Searching for lists of merchant services providers who manage credit card processing is recommended to make the search easier and not make a mistake when hiring a provider.


It is also very important for online businesses to choose the best merchant services and the best possible merchant software to get the best results in the future. The progress of the online business depends on the quality of work of the merchant services provider, the software that is used, as well as customers’ demands and satisfaction. A merchant account can help your business become more profitable, as well as keeping your business accounting system more streamlined and accurate. Be sure to take the time to carefully review all of your account options and services before choosing the account provider for your business.

How you can save money by streamlining your IT processes

Business in the late years has utterly changed the number of things that need to be done just in time increased leaving small business two choices: hire expensive counselors or start to streamline the company´s IT processes.

Now, you don´t need a corporate manager, counselor, or an experienced accountant to save money or to know professionally how to streamline your IT processes, everything can be found online including Disaster Recovery in Jacksonville by Scarlett Group.

The only thing left to remain is to read the rules and play along with it.

What is a streamlined process and how can you save money by streamlining your IT processes?

The streamlining is a work process aimed at improving the workflow by automating or remove steps.

The first step you need to be done is to look what you are doing, what is your business about, gather opinion and feedback from your stuff, make an inventory of the office, reporting every detail, check your hardware and software.

Put all this data in a different folder for different areas you took count of, it looks boring and you might think that you are losing time, but the streamline is made out of all these small processes.

Secondly, analyse the data you and your team collected.

You might find that the software you are using is old and useless. Don´t cringe at it and get a software that can generate the most of actions by automating tasks. For an instance choose an accounting software that can be linked to your customer history list, so you can generate automatic invoices instead of looking every time personally to the history of the customer and lose time that you might use for doing other important tasks.

Create an online database accessible to your employers so they don´t have to run around the archives, and break down a task board by using some apps like Trello, where you can automate some daily task and include all the work team.

Upload the schedule weekly, although the employees will consult it daily, therefore you don´t need to have everyday meetings that take out half of the day.

Instead of sending a personal thank you mail to customers, set up a template to save the most of the time.

You might have figured out that there are fees that you pay without be aware, however, summing it all can be a heavyweight in the monthly budget.

There are a lot of free apps or good cheap software for staring business or small ones.

I would recommend you to use Trello for breaking down daily tasks, which can be linked to Slack, a free app that can be downloaded even for smartphones, therefore you can link documents, create a workspace, send private messages in the immediate time.

To streamline your IT process means mostly to save time and money, allowing you to focus on new ways to develop your products and keep the track of what is happening in your company