• IRS Summertime Tax Tip 2011-04, July 13, 2011


     * A SUMMERTIME TAX TIP *

    If you need to resolve a tax problem, have tax law questions, or you’re more comfortable talking with someone face-to-face, call or visit your local IRS Taxpayer Assistance Center (TAC) where you can spread out your records and talk with an IRS representative across the counter. No appointment is necessary, just walk in or call to take advantage of any of these services:
    • Understanding a notice or letter you received and need face-to-face assistance, or telephone help  to understand what's next
    • Multilingual assistance takes away language barriers either in person, or over the phone with bilingual interpreters 
    • Making payments are accepted at your local IRS TAC. Just be sure you know tax period and type of tax for the payment you are making; and be sure to bring any IRS notice you received about it.
    • Free preparation of federal tax returns for Earned Income Tax Credit or whose income is less than $49,000 - on the current and prior year - basic tax returns
    • Apply for Individual Taxpayer Identification Number (ITIN) If you are not eligible for a Social Security number but need to file a tax return, bring the completed tax return, Form W-7, Application for IRS Individual Identification Number, and certified identification documents to your local TAC to apply for your ITIN and file your return. For more information, see Publication 519, U.S. Tax Guide for Aliens.
    • Alien Clearances Before leaving the United States, most aliens must obtain a certificate of tax compliance. This document, also popularly known as the sailing or departure permit, must be secured from the IRS before leaving the U.S. You can get the permit from your local TAC. For more information, see Publication 513, Tax Information for Visitors to the United States.
    • Tax Return and Tax Account Transcripts Do you need a copy of your tax return for financial aid or to obtain a mortgage? If so, a tax return or tax account transcript generally meet the requirements of these lending institutions. Visit your local TAC for free transcripts, typically available for the current and past three years.
    For TAC locations, business hours and an overview of services, click here, or visit www.irs.gov.   Just go to the “Individuals” tab and click on ”Contact My Local Office” in the left tool bar section under IRS Resources.

    Related Links:
    Contact My Local Office

    Publication 513 Tax Information for Visitors to the United States
    Publication 519, U.S. Tax Guide for Aliens
    Form W-7, Application for IRS Individual Identification Number

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  • LET'S EAT FOR THE HEALTH OF IT!
    Your food and activity choices each day affect  your health -- how you feel today, tomorrow and in the future.  The tips below are a good starting point toward a change for a healthy diet and a healthier you:
     More in-depth information can be found by following each topic link above and by visiting the Ten Tips Nutrition Education Series.  Sample menus are available to show how all the recommendations for each food group and nutrient intake can be integrated into a weekly menu.  You can also find tips for eating out and key information on vegetarian diets, and more.

    Improving what you eat and being active will help you to reduce your risk of chronic conditions such as diabetes, heart disease, some cancers and obesity. 

    For additional resources check out:
    • www.DietaryGuidelines.gov
    • www.Health.gov/paguidelines
    • www.HealthFinder.gov

     Information supplied by the USDA Center for Nutrition Policy and Promotion



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  • New Sunscreen Labels to Help you Get the Best Protection


    Beginning next summer the Food and Drug Administration (FDA) is changing sunscreen labels to make it easier for you to pick a product that offers the protection level you want.  The labels will clearly tell whether a sunscreen protects against sunburn, skin cancer and signs of premature skin aging; and whether it is a broad spectrum product.

    Broad spectrum sunscreens with an SPF of 15 or higher will protect against all three.  Anything less than 15 SPF will only protect against sunburn and soon will be labeled with a warning that reads "Skin cancer/skin aging alert: Spending time in the sun increases your risk of skin cancer and early skin aging.  This product has been shown only to help prevent sunburn, not skin cancer or early skin aging".  Future labels will also include information on how much time a user can expect to get the declared SPF level of protection while swimming or sweating. 

    Spending time in the sun increases the risk of skin cancer and early skin aging.  To reduce this risk, consumers should regularly use sun protection measures including:
    • Use sunscreens with broad spectrum SPF values of 15 or higher regularly and as directed.
    • Limit time in the sun, especially between the hours of 10 a.m. and 2 p.m., when the sun’s rays are most intense.
    • Wear clothing to cover skin exposed to the sun; for example, long-sleeved shirts, pants, sunglasses, and broad-brimmed hats.
    • Reapply sunscreen at least every 2 hours, more often if you’re sweating or jumping in and out of the water.
    Follow this link for more information on sunscreen, basic information on skin cancer and skin safety.

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  • Grants funds allocated for Lacoochee Community Center

    After many years of wishing and hoping, the Lacoochee-Trilby communty received news that grant funds are being set aside for a communtiy center in Stanely Park. Many individuals across the county have been working to bring services to the Lacoochee-Trilby area and are pleased that a significant step has been taken toward building a communty center. The Pasco County Library, with grants funds, has offered a variety  of programs to citizens in the Lacoochee-Trilby area. The Library has brought laptops with aircards to the Boys and Girls Club, Trilby Community Center, and other locations to provide citizens with access to  Access Florida (food stamps/medicaid), employment assistance, as well as other programs.  Once the communtiy center is built, the Pasco County Library is hoping to offer an array of library services there. For more informaiton regarding the funding for the new community center read the article in the St. Petersbrug Times - $300,000 grant set aside for community center in Lacoochee

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  • Preparing Your Pets For Emergencies

    Protecting Your Pets

    Whether you decide to stay put or evacuate to a safer location, you will need to make plans in advance for your pets in the event of an emergency.  If you evacuate your home, your pets should not be left behind. Pets most likely cannot survive on their own; and if by some remote chance they do, you may not be able to find them when you return.

    If possible, take your pets with you if have to evacuate. However, if you are going to a public shelter, it is important to note that animals may not be allowed inside. Unfortunately, many disaster evacuation centers (and specifically Red Cross evacuation centers) cannot accept pets because of states' health and safety regulations. In fact, service animals that assist people with disabilities are currently the only animals allowed in some evacuation centers. Plan in advance for shelter alternatives that will work for both you and your pets.


    Plan for Pet Disaster Needs:

    • Find out which motels and hotels in the area you plan to evacuate to allow pets  well in advance of needing them. There are also a number of guides that list hotels/motels that permit pets and could serve as a starting point. Include your local animal shelter's number in your list of emergency numbers, they might be able to provide information concerning pets during a disaster.
    • Take pet food, bottled water, medications, veterinary records, cat litter/pan, can opener, food dishes, first aid kit and other supplies with you in case they're not available later. Consider packing a "pet survival" kit which could be easily deployed if disaster hits.

    During a Disaster
    • Bring your pets inside immediately.
    • Have newspapers on hand for sanitary purposes. Feed the animals moist or canned food so they will need less water to drink.
    • Animals have instincts about severe weather changes and will often isolate themselves if they are afraid. Bringing them inside early can stop them from running away. Never leave a pet outside or tied up during a storm.
    • Separate dogs and cats. Even if your dogs and cats normally get along, the anxiety of an emergency situation can cause pets to act irrationally. Keep small pets away from cats and dogs.
    • In an emergency, you may have to take your birds with you. Talk with your veterinarian or local pet store about special food dispensers that regulate the amount of food a bird is given. Make sure that the bird is caged and the cage is covered by a thin cloth or sheet to provide security and filtered light.

    After a Disaster
    • If after a disaster you have to leave town, take your pets with you. Pets are unlikely to survive on their own.
    • In the first few days after the disaster, leash your pets when they go outside. Always maintain close contact. Familiar scents and landmarks may be altered and your pet may become confused and lost. Also, snakes and other dangerous animals may be brought into the area with flood areas. Downed power lines are a hazard.
    • The behavior of your pets may change after an emergency. Normally quiet and friendly pets may become aggressive or defensive. Watch animals closely. Leash dogs and place them in a fenced yard with access to shelter and water.


    Sources:
    http://www.fema.gov/plan/prepare/animals.shtm
    http://blog.usa.gov/post/5395146652/plan-care-for-your-pets-during-emergencies

    Resources:
    http://www.bt.cdc.gov/disasters/petprotect.asp 

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  • Foreclosure Help in Florida

    Are you behind in your mortgage payments and need help? The Florida Hardest Hit service may be able to help you. The program is funded by the U.S. Treasury. To qualify for assistance you must meet the following criteria:

    An eligible homeowner:

    • Must be a Florida resident;
    • Must occupy property as primary residence (the property cannot be vacant, abandoned or rented);
    • Borrower/co-borrower must be unemployed or underemployed through no fault of his/her own, which makes the first mortgage unaffordable;
    • Must have documented total household income at or below 140% of the area median income (AMI), adjusted for household size;***
    • Must have an active checking/savings account that can be debited by the ACH method of funds transfer;
    • May not have unencumbered assets of $5,000 or more, or three times the current monthly mortgage payment (whichever is greater);
    • Cannot have a bankruptcy that has not been discharged or dismissed; and
    • Cannot have been convicted of a mortgage-related felony in the last 10 years.
    The current mortgage:
    • Must be serviced by a participating lender, who agrees to accept payments on behalf of the homeowner;
    • Must not be more than 180 days past due at the time of application;
    • Must have been originated on or before January 1, 2009; and
    • Must have an existing principal balance of less than $400,000.
    Get more information from the Florida Hardest Hit Site here.

    ***Based on information from huduser.org, 140% of the estimated Average Median Income in 2010 for Pasco residents are listed below:

    1 Person Household $58,200.00
    2 Person Household $66,550.00
    3 Person Household $74,850.00
    4 Person Household $83,150.00
    5 Person Household $89,800.00
    6 Person Household $96,450.00
    7 Person Household $103,100.00
    8 Person Household $109,750.00

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  • Free SCORE Workshops



                                                                       
       

    Need Help for your Small Business?


    SCORE is a non-profit organization that provides free services dedicated to the success of small businesses nationwide. SCORE offers hands-on help to new or existing businesses including entrepreneur education, mentoring, and funding assistance.

    SCORE Counselors are volunteers made up of businessmen and women who have been successful entrepreneurs, small business owners, senior corporate executives, and experienced professionals. Their experience and expertise will offer hands-on help geared toward your situation and needs.

    SCORE Workshops available through September at Pasco County Libraries:

    Starting a Home Business 101:
    Tuesday, April 5th, 2011 from 5:30p.m. - 7:30 p.m.
    Centennial Park Branch Library
    ***

    Introduction to QuickBooks:
    Tuesday, April 12th, 2011 from 5:30 - 7:30 p.m.
    Land O'Lakes Library
    ***

    How to Successfully Obtain a Business Loan:
    Wed., April 13th, 2011 from 5:30 - 7:30 p.m.
    South Holiday Library
    ***
    Using the Internet in Your Business:
    Thursday, April 14th, 2011 from 5:30 - 7:30 p.m.
    Regency Park Library
    ***

    SCORE is sponsored by the US Small Business Association
    Source: Pasco County Public Library Cooperative: E-Government Services 

    ***

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