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IN THIS ISSUE:

Tax Audits Do Happen
Refinance Your Home with a Loan Modification
Stop Workplace Sexual Harassment


Tax Audits Do Happen

Tax Audits Do Happen

As tax season is getting into full swing, most of us will be preparing to file our last year's taxes over the next few months. What we don't realize is that the IRS evaluates and audits returns all year long. A tax audit isconducted as an impartial review to determine the accuracy of your tax return.

As a taxpayer, you generally have to substantiate the entries on your return. For example, if you gave donations to a charity but do not have a receipt or proof of the donation, you could be in trouble during an IRS audit. If you disagree with the auditor, you can ask for an IRS appeal. If no agreement is reached with an appeals officer, your case may be taken over to the U.S. Tax Court, U.S. Claims Court or U.S. District Court.

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Refinance Your Home with a Loan Modification

Refinance Your Home with a Loan Modification

According to USA Today, 30-year fixed mortgage rates are the lowest they’ve been in 25 years. For home owners with equity in their home and good credit scores, this is great news. However, there are many people who are in mortgages worth more than the current market price of their homes. The common term for this is “underwater”. While it is nearly impossible to refinance an underwater home, a loan modification may be an option.


Loan modification is a negotiation process that allows homeowners to modify the contract conditions of the loans they currently have. It is a practical option for homeowners who want to refinance their underwater home or who have fallen behind on payments due to loss of employment, divorce, illness, medical expenses and other such unexpected expenses and hardships.

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Stop Workplace Sexual Harassment

Stop Workplace Sexual Harassment

Stresses in the modern workplace can be significant. High workloads, lay-offs and deal lines are all part of the employment environment now. Although these are not pleasant, in most cases, they are not illegal. What is illegal is sexual harassment, which can cause tremendous stress.


Sexual Harassment in the workplace can take many forms such as inappropriate sexual advances, verbal requests for sexual favors, and unwelcome physical contact. Victims of sexual harassment at the workplace go through many emotions such as humiliation, frustration, withdrawal and even suffer damages in the aftermath. Victims of severe sexual harassment such as rape can form dysfunctional families and even life threatening diseases. Sometimes victims are forced to leave their jobs to avoid being harassed in the future, which compromises their careers.

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february 2012 NEWSLETTER

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