Grace Forms Blog

Adoption and Divorce

Many people never begin the process of learning how to adopt a child because they fear it could make the life more difficult for the child in the event of a divorce.  However, many of these assumptions are either misinformation, or just flat-out wrong.

The most troublesome myth we often hear is that a divorce voids and nullifies an adoption.  This just isn’t true.  Although this can be the case with foster care, when you adopt a child, that child is legally your child from then onwards, as if it you had been the one to give birth.  If the adoption has not been finalized, the court and the adoption agency may both determine if the parents are suitable in spite of the divorce, or may even grant custody and support to one parent, depending on the circumstances.

Provided that the agency feels you are still a fit and good parent, past or multiple divorces typically don’t play a role.  Of course, all this depends on what it means to the stability of your household, and how that stability (or lack thereof) can affect the child.  This is also assuming that the adoption is within the United States.  Outside the US, some countries will not allow adoption by someone who has been divorced before.

We have even heard some people claim that parents who adopt are also more likely to file for divorce.  This is not only wrong, but data and logic supports the contrary.  Although not true for all couples, many of those who are looking to adopt a child are doing so because of infertility, which causes a lot of emotional, financial, and mental stress on a relationship.  It stands to reason, then, that if a marriage is able to survive the stress leading up to the goal of adoption, the adoption itself would be far less stressful on the relationship.  Further, it motivates both parents to put forth more effort to make the relationship work since so much time, energy, and resources were exerted in order to adopt.

Adoption brings a lot of happiness to many lives the world over.  Don’t let misinformation prevent you from finding that same happiness.

Back Tax Help With Audits

The thing that usually gets people looking for back tax help is the dreaded audit.  But what exactly do you do when you get audited?  We have all heard the horror stories of the tax man wreaking havoc in people’s lives, so how do you prepare adequately for something like this?  Luckily, aside from our fantastic guide, we also thought we would provide a few tips for those who are facing this arduous process.

First of all, do not lie.  These people sniff out lies for a living, so what makes you think that you are going to get one by them?  All lying does is make things worse, just like mom always said.  What she did not tell you is that, if you lie, the IRS may use such unpleasant words as “fraud” when you meet with them, and then you need far more than back tax help–you need back tax representation.  Speaking of meeting with the IRS, do not invite them into your house or business.  Instead, go to their office and conduct the audit there.  This is not because they are bad people (at least, in theory), but because you do not want to give them any more information than is necessary.

The fact that you are reading this is a good sign that you like to get prepared, and that is good, because you are going to be doing a lot of that in preparation for your audit.  Contact the person who did your return and have them prepare records that justify the things they put on your return, and also to find out if they already sent you back anything.  Back tax help can be as simple as having these things prepared ahead of time.  However, we know that not everyone who receives an audit is going to end up in the super-organized category.

What you should never, ever, under any circumstances do, though, is ignore the tax notice.  Putting your head in the sand is not going to make the tax man go away, and when your head finally pops out, Uncle Sam will be standing there with his money bags looking way more angry than before.  The best back tax help we can offer is to at least do something constructive when presented with the issue at hand.  In some cases that may mean hiring a tax specialist, but many times this can be resolved with just a little knowledge and elbow grease.

In either event, and in some part related to being prepared, knowing your rights is one of the most important things you can do, and falls just underneath “for the love of all that is good in the world, do not ignore the notice!” in terms of importance.  Knowing your rights is one of the best back tax help tips that we can offer.  If you know your rights, you have a lot more power during the audit process, even if you have representation.  After all, it is hard to invoke your rights if you don’t know what they are.

Grant Guides or Loan Guide? The Difference is Distinct

The Washington Post published an article yesterday that we felt was almost exclusively a loan guide and not so much a grant guide, and was more than a little misleading.  The article was titled “How to hit up Uncle Sam for small business funding.”  The implication of the title is that there is more than one way to get government funding for a small business other than loans.  However, the article mentions grants twice, and there is a somewhat valid reason for that:  small businesses and for-profit companies do not qualify for federal grants.  So, what else is there?

Well, there are loans, and there are a lot of different kinds of loans and sources that the potential start-up can use to, well, start up their business.  Of course, these come with certain conditions and restrictions, but a grant guide would tell you the same ideas apply even if small businesses did qualify for grants.  Whenever the government is dealing with money that it owns, you can bet that they are going to keep track and want a record of every single penny, and nothing shy of that will suffice.  But, because loans are a different beast entirely, in many cases, they are actually the better choice.

The differences between grants and loans are about as different as toasters and horses.  Aside from both being “things”, there is not much else they share in common.  In the case of the former, everything basically stops at, “both involve the government giving money in some way.”  In other words, a grant guide will be of little use to those seeking a loan.  What most people do not realize is that grants are not simply “free government money.”  This money comes with conditions and record-keeping that accounts for every cent given.  And, contrary to popular belief, any remaining money has to be given back to the government at the end of the project (oh, and you need to provide a timeframe for when that would be).

With a loan, though, an amount is expected to be paid in specific amounts as specific times until it is paid off.  It is, for all intents and purposes, like a normal loan, except, as with anything involving the government, there is more red tape and paperwork to get through.  That said, though, since a grant guide is out of the question, a loan that helps you reach your goals and dreams is probably worth more than the hassle of getting through that extra stuff.  Fortunately, government loans tend to not be as restrictive in regards to the bean counting as grants are, which will allow you to focus more on your business than keeping up with the paperwork.

The good news, though, is that the article did provide some good guidelines for applying for a government loan.  We were just a bit miffed that it suggested there were other options when there aren’t.

How to get a scholarship? Look in the Right Places!

The question of how to get a scholarship when asked to our parents was generally answered with, “get straight A’s,” or in the case of our fathers, “be one heckuva football player.” And while we realize the validity of their answers was absolutely sound, the facts are that not everybody can be the star football player or the scholastic genius that colleges are going to offer a full ride scholarship too. Thus begs the questions, what is one to do when much of the needed information about scholarships is so hard to find? How sad is it that we know what Kim Kardashian had for last week’s lunch, but for someone trying to make legitimate plans for the future, they have to jump through hoops to get even the most minute information?

The good news is that, through GraceForms and our extensive line of ebooks, you have instant access to many unique programs all designed to better your plans and goals. Our How to get a Scholarship ebook will answer all of your questions and get you started potentially qualifying for thousands of dollars in scholarship money.  You may be surprised to find that you qualify for many different scholarships that you never knew even existed.

Believe it or not, there are scholarship opportunities for twins and triplets, there are scholarships available for people who are short in stature,  and even a scholarship for the person who took the best picture with a milk mustache.  How to get a scholarship can be fairly easy if you know where to look, how to get started, and how to improve your chances of qualifying for it.  Forget about the hours of searching online or pawing through archaic reference books at your local public library.  Our simple, easy to download eBook will give you everything you need to know.

We have heard a lot of horror stories when it comes to going to college and earning a degree. From the person who could not afford college outright and never thought to try for a scholarship, to the person who qualified for a scholarship but did not fill out the required paperwork properly, we have heard it all, and we understand the pitfalls. How to get a scholarship is far easier than most people think, provided you can follow the simple step by step instructions.  Our easy online eBooks has helped thousands of people to get started on the career of their dreams.  Persistence is a valuable and admirable trait, but without direction, it can be like a rudderless ship on the rough seas.

Back Tax Guide and Ebook; Your Back Tax 101

Today, we want to give you some insight into some misconceptions you may not find in every back tax guide.  These are tips that many may find obvious, but sometimes the fundamentals trip up even the most seasoned taxpayer.  Since this is graduation season, it seems appropriate that we cover these tips now so that those heading into the job market can get used to wrapping their heads around some of these esoteric guidelines before crunch time arrives next year.  And, not to be Negative Nancys, but hopefully you will find a job with a taxable income by this time next year.

One important key to remember is that “tax credits” and “tax deductions” are not the same thing.  Would you rather have an amount deducted from a dollar, or would you rather have a credit for a dollar?  This is an easy thing to forget, but a back tax guide is doing a disservice to those who do not make note of this important distinction.  Deductions are based upon your income bracket, and thus when multiplying the percentage of your tax bracket to the value of your deduction, you get the worth of the deduction.  And you wondered why people hate doing their taxes so much…

Speaking of things people hate about their taxes, there are ways in which you can avoid getting audited.  Frankly, the best way of avoiding an audit is to be honest on your taxes.  Honesty should always be the first step in a back tax guide, but we realize that is not usually the case.  When the IRS notices consistent trends in your income history, number of dependents, etc, then there is little cause for concern from their standpoint, as everything looks as it should.  When you start suddenly earning a fourth of your income and add 12 new dependents, that’s when Uncle Sam starts to get a little worried you might not be playing by the rules.

Dependents, since we are on the subject, are a temptation for some.  Although we know you’d never do this (right…?), some people go so far as to list pets as dependents, and although your pets may be dependent upon you for survival, the IRS does not consider them dependents.  This might seem a little obvious, but what good is a back tax guide if it only tells you the obvious.  What might not be so obvious, though, is that your girlfriend or boyfriend who crashes at your place half the time cannot be claimed as a dependent if her/his parents are doing so as well.  Be aware that this also pertains to children as well.

These may not be news for some, but they are the kind of questions that many people are afraid to ask because they are so basic.  Needless to say, our back tax guide is a lot more comprehensive and deep than this, but we can’t offer golden advice for free.  That said, though, our guide is affordable, and can also save you tons of money in IRS fees.  It’s a win-win.

Guide to Government Grants; New York may be onto something

If common sense starts becoming more common in government, we may no longer need to offer our guide to government grants anymore. We are not exactly holding our breaths, but there is a lot of promise now coming out of New York. In a move that, for some reason, is shocking, New York announced that it was giving grant money to local governments that had a history of making the best use of that money. Why has it taken us so long to catch on to this basic nugget of wisdom?

 


While many in Washington are preparing for the end of the Bush-era tax cuts at the end of the year, New York is showing a different face. Whereas most state governments are looking to make up their budget deficits by spending less and taxing more, New York is choosing to spend the money more wisely. We can hardly blame other states. We never said “use common sense” in our guide to government grants, but in our defense, getting a grant is a confusing and esoteric process. Spending money in a sane and prudent matter is not exactly a hard concept to grasp.

 


Yet, this is the world we live in. We pay money to the government, and they dole it out to whoever meets certain requirements. This is all done in the name of our own good. Then we hear of government agencies blowing almost a million dollars for Las Vegas conventions and Columbian secret service prostitute scandals. Perhaps instead of a How to get a grant, we should be providing guides to ethical government spending. Actually, since New York seems to be catching on, maybe they can be the light-bearers on this one.

 


New York is not completely out of the woods, though. There are still certain conditions that apply, but this is a standard requirement to any grant and one we outline in our guide to government grants. The thing is, though, the timeframe should not be restricted to those who began their projects in 2010. Instead, the program should reach further back, and if that is at the expense of the amounts awarded to those receiving the grants, then so be it, but at least this sort of trial run can provide a wider view on how programs like this work in actuality instead of theory.

 


All in all, though, New York should be praised for its efforts in reforming the State’s philosophy on government spending. It is a basic and straight forward idea, but anything that helps improve government functionality is a boon. Hopefully, at some point, we will not need to offer our guide to government grants because the process will be so much more streamlined, but first things first. Learning how to spend money properly and efficiently is a far more important task than the means by which people and governments get grants. That alone should keep us busy for the foreseeable future, so we cross that bridge when we get there.

Child Support Reaches for the Stars

Child support and spousal support are a common thing that many people face.  Those who choose to disregard their obligations in this area face stiff repercussions both from society and from the courts.  In comparison to some of the payments that celebrities have to pay, no one really has an excuse to dodge their child support payments, as some of these sums are quite high.

Hip-hop mogul Russell Simmons was ordered by the Los Angeles Superior Court to pay $40,000 a month until his two daughters are 19 and a half.  Kimora Lee Simmons, Russell’s ex-wife has sole custody of the two girls, ages 9 and 6.  We understand the need for child support payments to support a child, but $80,000 a month seems, well, “excessive” is probably the nicest way to say it.  But, Russell is handling it well, stating that, so long as he has money, his daughters will have money too.  It kind of puts things into perspective when a guy can afford to fork over $80 thousand a month and be happy about it.

Rapper Nas is reported to have to pay more than $51,000 a month.  Although this is a combination of spousal support and child support, the rapper has since had his payments halved by the courts.  The singer was at one point married to the “Milkshake” singer, which makes the couple’s divorce more than a little bit ironic considering that rumors of infidelity are what ended the couple’s marriage.  Nas commented that the amount he was expected to pay was more than what a lot of his fellow hip-hoppers were making annually, and although it has not been smooth sailing, it looks like the payments are current.

Not all celebs who have monstrous child support payments are involved in hip-hop, though.  New Jersey Devils goalie Martin Brodeur is looking at significant payment each year totaling $500,000.  If the Devils win the Stanley Cup this year, it will help soften the blow, but that is unlikely, as the Los Angeles Kings are expected to come out on top.  According to those representing the parties, the lifestyle that was established during the marriage necessitated the alimony and child support payments reaching the levels that they did.  Four children necessitating $500,000 a year per child seems a bit much, but at least there is an expiration to it–originally, it was indefinitely.

To wrap it up, and to show that women can do anything that men can do (in some cases, better), although Britney Spears has a comparatively low payment of $20,00 a month, but she is not the recipient.  No, Kevin Federline receives $20,000 a month for child support payments after the erratic behavior the pop star showed landed her in the hospital and her father being named the conservator of her estate.  Federline has always been teased by the media, but frankly, we are not aware of any other guys who had kids with a pop icon and now gets twenty grand a month.

How to Adopt a Child? Online Ebook Streamlines Process

With news coming from China and North Korea regarding some human rights abuses, and in particular female infanticide, those looking for information on How to adopt a child are looking more and more towards the far east.  It  makes sense for those wanting to adopt a child. While many have different reasons as to the race and sex of the child they are looking to adopt, the facts are that many looking to adopt at the same time are interested in potentially saving a life.  Given some of the recent information about conditions in China and North Korean and some of the more gregarious abuses of females, our hearts go out to those looking to make a difference.

But for those looking for online information regarding the information can be murky at best and sometime outright incorrect at worst. Finding specific information on How to Adopt a Child can be a lesson in frustration and futility.  We lament that fact that the process of finding information on How to Adopt a Child may actually resulted in an experience so stressful and absurd that some prospective adoptive parents may actually have changed their minds about wanting to adopt. And that in itself is a tragedy of immense proportions for the great many children looking at the very real prospect of a dreary future.

Some recent statistics suggest that 13% of adopted children are foreign born. Of that 13% close to 1/3rd are children who were born in either Korea or China.  We suspect that as more attention is placed on the human rights abuses in these countries that this number will surely grow within the next few years. The question of “how to adopt a child” suddenly becomes a much more daunting choice and decision. It is not uncommon for childless couple to want a child of their own race for obvious reasons. Some may be uncomfortable with the fact that raising a child of a different ethnic background may result in unwanted or persistent questioning.

The truth is, there should be no parameters on those who are looking to adopt. Any parent who has adopted a child is a hero in our book. Regardless if they adopted in the US or went to another country to adopt a child, giving a child a chance to live in a loving, caring environment is truly the most admirable act any human can display. If you ever wondered “how to adopt a child” considering all of the options is certainly recommended. You cannot ever have too much information when it comes to making life’s important decisions and adopting a child is arguably one of the most important decisions you will ever make.

Graceforms.com is proud to offer information on How to Adopt a Child in our line of online adoption guide and ebooks.  Getting information about adoption, paying back taxes, and government grants does not have to confusing. Graceforms is the premier source of online DIY ebooks and self help guide downloads.

Collecting Child Support; The Time is Now!

 

Without question the last several years and the subsequent economic down turn has been an agonizing experience for most Americans.  Trying to scrimp and save every last penny to make ends meet is an issue all too familiar for those in working families and single mothers trying to put food on the table. Yet, many families are entitled to additional forms of revenue in the form of collecting child support that could go a long way to making ends meet as well as providing for the basic day to day necessity’s that working families need.

Graceforms.com seeks to help numerous families with collecting child support by providing additional sources of information in an easy to download ebook. We can only speculate just how much money is owed in the United States collectively but we do know that there are over 16millon custodial parents are not receiving their court ordered child support. We realize the phenomena of the dead beat dad is one that can leave a lot of people feeling hopeless, but due to the recent public outcry and attention given to the matter there are more resources than ever that can be utilized towards getting the child support legally entitled to you under the law.

Some recent reports out of Rhode Island suggest 17,000 custodial parents are owe an estimated $292 in back child support from former partners and spouses. Now, being that Rhode Island is one of the smallest states in the US, we can only speculate what the true number is for those who are looking atcollecting child support for their families. We do know however that GraceForms.com can offer you the resources to actively dispute and petition for the child support funds rightfully owed. Indeed, no one ever said the system was perfect, but at least GraceForms.com has made it as easy as possible to start the process of collecting back child support.

We understand that this is a difficult situation for anyone to be in, and we truly empathize. For some, this must appear to be a dead-end street with no chance of being compensated. And when it comes to collecting child support there are not nearly the amount of resources for information that you need to make the best possible educated decision on how to proceed. That’s why our Collecting Child Support ebook is easy to read with plain simple language that can give you all the information you need to get started.

Collecting child support  does not have to be a guessing game, nor does it have to be a tribulation unto itself. Knowing what to do, and when to do it, is the first step towards collecting child support you are entitled to by law.  At GraceForms.com, we have everything you need to get started collecting those funds as quickly and easily as possible, without having to spend unneeded fees on lawyers.  Instead, you can start the process yourself and save time and energy that is better spent with your family, and not worrying whether or not you are going to get by.

Scholarship Help last hope for student debt

There are some scary things about college, but getting scholarship help should not be one of them.  In fact, those who are able to get scholarships are at a distinct advantage over those trying to get student aid to pay their way through school, and that is due entirely to the fact that scholarships do not carry the mountainous debt that many are struggling with right now.  For many, it is a matter of choosing the lesser of two evils:  go into debt with no guarantees of a good job, or forego college altogether and impair earning capacity for the rest of your life?

In a weak job market, the thing that most people need to get a good job is a degree.  However, there is no guarantee that a good job will be available for those who get their degree, which results in a catch-22 that has many less than happy.  Scholarship help is going to be far more vital in the years ahead as opportunities for getting funding become much fewer and more far between.   There are still plenty of opportunities available, but in some cases it is just knowing where to look.

The issue is becoming a hot-button political issue as wells, but the reaches go far further than impacting whether or not we get a new president this election year.  Instead, it is impacting most young people and their ability to buy their first homes, or lack thereof.  This has prompted many to fear that the college debt accumulated thus far is likely to result in a bubble much like that set off by the housing market in 2008–a recession that still has many reeling and from which we still have yet to recover.  For those looking for scholarship help, though, the battle appears to be far less brutal than for those taking out loans.

Those looking for relief from this quagmire any time soon are going to be severely disappointed.  Many do not fully appreciate what it means until the final number is starting them in the face.  As bankruptcy does nothing to clear away student debt, there is no magic “get out of jail free” exemption  for those who cannot handle the burden.  The good news is that scholarship help can help reduce the amount owed significantly, and in some ways, remains the final means by which people are able to achieve higher-education.

Unfortunately, though, many colleges, in an effort to keep up with budget cuts state- and federal-wide, are being force to raise their tuition costs to cover the difference.  For instance, the State school system was designed to help those in need of more affordable options for college education, but now the tuition rates and classes being offered are making that an unlikely prospect for those very same people.  Although scholarship help does reduce some of the costs associated with these rising tuition rates, they are not a save-all except for a lucky few.  However, those still committed to getting their degrees do have options, but those options are becoming more and more limited by the day.

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