Que ofrecemos a nuestros clientes?: Cómo obtener tu informe de crédito

Que ofrecemos a nuestros clientes?: Cómo obtener tu informe de crédito: Cómo obtener tu informe de crédito 14 de enero de 2020 por  Lisa Weintraub Schifferle Abogada, División de Educación de...

Cómo obtener tu informe de crédito

14 de enero de 2020

por 

Lisa Weintraub Schifferle

Abogada, División de Educación del Consumidor y Negocios, FTC

Ahora que ya sabes por qué el crédito es un asunto importante, es hora de que pongas en orden tu crédito. A veces, la parte más difícil es ponerte en marcha. El primer paso es obtener tu informe de crédito.

¿Cómo puedes conseguir tu informe de crédito? Solicita una copia gratuita en annualcreditreport.com o llamando al 1-877-322-8228. En otros sitios te podrían cobrar dinero o podrían ser sitios establecidos para robarte tu información personal.

Esto es lo que puedes esperar que suceda cuando visites el sitio web annualcreditreport.com:

Primero, completarás un formulario con tu nombre, fecha de nacimiento y número de Seguro Social. Asegúrate de usar una conexión segura a internet como la que tienes en tu casa – evita las redes Wi-Fi de uso público.

A continuación, escogerás qué informes deseas. Tienes derecho a un informe gratis por año de parte de cada una de las tres compañías de informes crediticios del país – Equifax, Experian y TransUnion. A veces, una compañía tendrá información un poco diferente a la de las otras compañías de informes crediticios. De modo que te conviene controlar que los tres informes de crédito sean precisos. Puedes obtener los informes todos juntos o escalonar tus solicitudes para vigilar cómo van las cosas a lo largo del año. Eso lo decides tú.

Por último, responderás preguntas sobre la persona que mejor conoces – tú mismo. Las preguntas podrían ser acerca de tus domicilios anteriores, préstamos u otra información personal. Esto es para asegurarse de que realmente eres tú el que está pidiendo el informe. Si tienes problemas con las preguntas en línea, puedes llamar al 1-877-322-8228.

Luego, obtendrás una copia de tu informe de crédito. Lo puedes revisar en ese momento o descargarlo y revisarlo más tarde. Sólo recuerda guardar el informe de manera segura – ya sea bajo llave si es una copia impresa en papel o en un dispositivo protegido con una contraseña si es en formato digital.

IRS: 31 de enero es la fecha límite para empleadores, otras empresas para presentar declaraciones de salarios, formularios para contratistas independientes

IRS: 31 de enero es la fecha límite para empleadores, otras empresas para presentar declaraciones de salarios, formularios para contratistas independientes

WASHINGTON — Con menos de dos semanas para la fecha de vencimiento, el Servicio de Impuestos Internos, IRS, les recuerda a los empleadores y otras empresas que el 31 de enero es la fecha límite para presentar declaraciones de salarios y formularios para contratistas independientes con el gobierno.

Los empleadores deben presentar sus copias del Formulario W-2, Declaración de salarios e impuestos (en inglés), y el Formulario W-3, Transmisión de declaraciones de salarios e impuestos (en inglés), ante la Administración del Seguro Social para el 31 de enero. La fecha límite del 31 de enero también se aplica a ciertos Formularios 1099-MISC, Ingreso misceláneo (en inglés), presentado ante el IRS para informar la compensación de no empleados a contratistas independientes.

Este plazo ayuda prevenir el fraude tributario y hace que sea más fácil para IRS verificar los ingresos reportados en las declaraciones de impuestos individuales. El IRS ya no otorga una prórroga automática para presentar el Formulario W-2. Las solicitudes de prórroga deben enviarse para la fecha de vencimiento. Solo se permiten ciertas razones, como una muerte o un desastre natural. Los detalles se pueden encontrar en las instrucciones del Formulario 8809, Solicitud de prórroga de tiempo para declaraciones de información (en inglés).

No presentar estos formularios correctamente y a tiempo, puede resultar en multas (en inglés). El IRS recomienda que los empleadores y otras empresas presenten electrónicamente (en inglés) para aprovechar de la manera más rápida, precisa y conveniente de presentar estos formularios.

Contribuyentes: pasos a tomar si no tienen el W-2

La mayoría de los contribuyentes recibirán su Formulario W-2 (en inglés) para fines de enero. Los contribuyentes necesitan sus W-2s para presentar declaraciones precisas, ya que el formulario muestra el ingreso y los impuestos retenidos por el año del empleado.

Los contribuyentes que no recibieron su W-2 para fines de febrero deben, como primer paso, comunicarse con su empleador. Los contribuyentes deben preguntarle a su empleador actual o previo por una copia del W-2. Asegúrese que el empleador tenga la dirección correcta. Información adicional para contribuyentes está disponible en IRS.gov.

2020-01-28 19:10:25 UPDATED: (M7.7) Cuba region 19.4 -78.8 (93220) Recibidos x

M7.7 Earthquake - Cuba region

Preliminary Report

Magnitude	7.7
Date-Time	28 Jan 2020 19:10:25 UTC 28 Jan 2020 14:10:25 near epicenter 28 Jan 2020 14:10:25 standard time in your timezone
Location	19.440N 78.754W
Depth	10 km
Distances	125.4 km (77.8 mi) NNW of Lucea, Jamaica 138.7 km (86.0 mi) NW of Montego Bay, Jamaica 140.2 km (86.9 mi) WSW of Niquero, Cuba 150.2 km (93.1 mi) NNW of Savanna-la-Mar, Jamaica 158.6 km (98.3 mi) WSW of Media Luna, Cuba
Location Uncertainty	Horizontal: 7.0 km; Vertical 1.8 km
Parameters	Nph = 139; Dmin = 185.8 km; Rmss = 1.31 seconds; Gp = 32° Version =
Event ID	us 60007idc

For updates, maps, and technical information
see: Event Page or USGS Earthquake Hazards Program
National Earthquake Information Center
U.S. Geological Survey

Plan Ahead for Talks, Trivia, and More This Winter

Last Chance BIG FUN: INDIGENOUS ART & PERFORMANCE AS RESISTANCE Tuesday, January 28, 6:30pm An evening of performances and art celebrating radical urban Indigenous resistance, resilience, and activism. Curated by poet Nicole Wallace. Tickets: $12 and up; $10 Members UNEXPECTED PAIRINGS: KATZ'S DELICATESSEN & TERANGA Thursday, January 30, 6:30pm Pierre Thiam, chef & co-founder of Teranga, a new Pan-African restaurant in Harlem, and Jake Dell, owner of Katz’s Delicatessen on the Lower East Side, discuss NYC comfort food with Times food writer Julia Moskin. Tickets: $25; $20 Members. Includes a tasting portion from each restaurant Coming Up This February CULTIVATING CULTURE IN NYC Tuesday, February 4, 6:30pm What challenges do the city's arts and cultural organizations face today? MCNY's Director Whitney Donhauser joins the heads of The Studio Museum in Harlem, The Metropolitan Museum of Art, and the Weeksville Heritage Center for a frank discussion. Tickets: $7 & up; $5 Members THE DATA WE DON’T SEE WITH GIORGIA LUPI Thursday, February 13, 6:30pm Information designer Giorgia Lupi discusses “data humanism,” her unique philosophy for understanding and working with data with Times data editor Amanda Cox. Tickets: $18 & up; $15 Members PUERTO RICAN ACTIVISM FROM NEW YORK TO SAN JUAN—AND BEYOND Tuesday, February 25, 6:30pm Johanna Fernández, author of Young Lords: A Radical History (February 2020), discusses activism, diasporas, and decolonization with activist Pablo Benson-Silva, writer Frances Negrón-Muntaner, and Monxo López, Andrew W. Mellon Foundation Post-Doctoral Fellow at MCNY. Tickets: $12 & up; $10 Members THE ULTIMATE NYC TRIVIA NIGHT Thursday, February 27, 6:30pm In 2018, what borough logged the most ice cream truck-related noise complaints? Join us for a winter edition of our Ultimate NYC Trivia night, presented with The Gotham Center for New York City History with host Katie Uva. Tickets: $15; $20 at the door See All Programs

Que ofrecemos a nuestros clientes?: IR-2020-21: IRS: Jan. 31 filing deadline for emplo...

Que ofrecemos a nuestros clientes?: IR-2020-21: IRS: Jan. 31 filing deadline for emplo...: IRS: Jan. 31 filing deadline for employers, other businesses to file wage statements, independent contractor forms WASHINGTON — With just...

IRS: Jan. 31 filing deadline for employers, other businesses to file wage statements, independent contractor forms

WASHINGTON — With just a few days remaining until the deadline, the Internal Revenue Service reminds employers and other businesses that Jan. 31 is the filing deadline for submitting wage statements and forms for independent contractors with the government.

Employers must file their copies of Form W-2, Wage and Tax Statement, and Form W-3, Transmittal of Wage and Tax Statements, with the Social Security Administration by Jan. 31. The Jan. 31 deadline also applies to certain Forms 1099-MISC, Miscellaneous Income, filed with the IRS to report non-employee compensation to independent contractors.

This deadline helps the IRS fight tax fraud by making it easier to verify income reported on individual tax returns. The IRS no longer grants an automatic extension of time to file Form W-2. Requests for more time to file must be submitted before the due date. Only certain reasons, such as a death or natural disaster are allowed. Details can be found on the instructions for Form 8809, Application for Extension of Time To File Information Returns.

Failure to file these forms correctly and timely may result in penalties. The IRS recommends employers and other businesses to e-file as the quickest, most accurate and convenient way to file these forms.

Taxpayers: Steps to take if no W-2

Most taxpayers get their Form W-2, Wage and Tax Statement, by the end of January. Taxpayers need their W-2s to file accurate tax returns, as the form shows an employee’s income and taxes withheld for the year.

Taxpayers who haven’t received their W-2 by the end of February should, as a first step, contact their employer. Taxpayers should ask their current or former employer for a copy of their W-2. Be sure the employer has the correct address. Additional information for taxpayers is available at IRS.gov.

Carmen "Corina" Silva Real Estate

Town Center North Overlay Public Engagement Project Re-envisioning Town Center North Overlay We want to hear how you, our residents, envision the future of the Town Center North Overlay. The Town Center North re-envisioning process is currently underway!  Throughout the last year, the City of Sunny Isles Beach has been working to solve a discrepancy in the Town Center District. You can read the complete history of the Town Center District discrepancy and the steps we have been taking to remedy the issue via the below link. Town Center District History Town Center North Overlay Scope In December 2019, the City Commission created the Town Center North Overlay through a Comprehensive Plan amendment. The Town Center North Overlay boundary consists of the westbound lanes of Sunny Isles Boulevard north to 172 Street, spanning east to Collins Avenue and west to the Intracoastal Waterway. We are now creating development guidelines for this newly formed area and this is your opportunity to share your input. Timeline The Town Center North re-envisioning process is currently underway. The first part of the process is key stakeholder interviews with elected officials, residents, property owners, and business owners. These will be conducted during January and February 2020. The next step is an Interactive Listening Session on March 10, where residents will be able to share input on what their vision is for the Town Center North Overlay. Upon completion, presentations will be available on our webpage at sibfl.net/towncenternorth and you will have the ability to submit additional comments or suggestions. Once all public engagement data has been collected, Calvin, Giordano & Associates will present their findings and recommendations for future development guidelines in the Town Center North Overlay to the City Commission during a public meeting. Interactive Listening Session Tuesday, March 10, 2020 6:00 - 8:00 pm Sunny Isles Beach Government Center First Floor Meeting Room 18070 Collins Avenue We want to hear how you, our residents, envision the future of the Town Center North Overlay. The Interactive Listening Session is your opportunity to share input on how you think the Town Center North Overlay should be developed. Participate in an interactive listening session involving short informal presentations and discussions about how you envision the new Town Center North Overlay. Stop by between 6:00 and 8:00 pm to let your voice be heard. Light refreshments will be provided. RSVP below to let us know if you are attending. Please note: This is a public session and RSVPs are not required; they just help us get a headcount for planning purposes. *In accordance with the Americans with Disabilities Act, all persons who are disabled and who need special accommodations to participate in any meeting because of that disability should contact the Office of the City Clerk at 305.792.1703 no later than 48 hours prior to the proceeding. If hearing impaired, please call the TTY line at 305.792.1589. RSVP to Interactive Listening Session Even if you can't attend the Interactive Listening Session, you can still share your comments and input regarding the future of the Town Center North Overlay. Reach out to us and share your thoughts via the contact form on our webpage at sibfl.net/towncenternorth.

What's New: January 2020

Volume 55 | January 27, 2020 AMERICAS COMMUNITY CENTER Weekly Newsletter Visit our Website(click here) Americas is a non-profit organization, created in 2001, with the purpose of aiding in the acclimation of the Hispanic immigrant. Our Mission We are a non-profit, organization with corporate social responsibility, that supports immigrants both in their professional, social, and family life, as well as legal issues aiding in adaptation to the life in South Florida. Our Vision Americas Community Center will be a sustainable organization that will contribute to human, social and economic development within the immigrant community of South Florida through the competencies of our collaborators and our strategic alliances, assuring the quality and applicability of our successful experiences. FOLLOW US Facebook Americas Community Center Instagram @AmericasCC Twitter @AmericasCC ABN Weston Americas Business Networking Breakfast Meet new people and promote your business, come to ABN Weston at Rick Case Honda every Wednesday at 7:45am. Info: 954-323-9526. *Remember to bring plenty of business cards. Ven a conocer gente nueva y haz crecer tu negocio, Te esperamos en ABN Weston en Rick Case Honda todos los Miércoles a las 7:45am.  *Recuerda traer muchas tarjetas de presentación REGISTER NOW (Click HERE) ABN BREAKFAST ONLINE REGISTRATION Attending ABN? LOCATION 15700 RICK CASE HONDA WAY, DAVIE FL 33331 (Second floor in building by the big flag) DATE AND TIME 01/29/20 8:00am - 01/29/20 9:30am Register NOW Online: ($12 link above) Register at the door: 7:45am ($15) Meeting: 8:00am - 9:30am I'll be there! Maybe I can't make it THIS WEEK: UPCOMING COMMUNITY EVENTS PRÓXIMOS EVENTOS EN LA COMUNIDAD We, Americas Community Center, support our associates and other NonProfit organizations in town. Here are some great events we would like you to support and participate in: JOB OFFERS OFERTAS DE EMPLEO We have a database that collects job offer information from our network of business owners which we then make available to you, our community. If you are a business owner or employee with a job offer please email it to us: info@americascc.org Tenemos una plataforma que recoge información de las ofertas de empleo de nuestros empresarios asociados para poner a la disposición de la comunidad sus vacantes laborales. Si tiene alguna oferta de empleo puede enviarla al siguiente correo: info@americascc.org Why the Census is important!?! (click here) PHOTO GALLERY GALERÍA DE FOTOS ABN January 22nd (images below)