• IRS Holding Millions Of Dollars
• Insurance Review Time?
• 1998 Planning
• We Need Your Support
• Cafeteria Plan
• Internet Access
• Independent Contractor
• Tax Tip Of The Week
• Features Wanted
• Investors Experience Higher Returns
• Score One For Bill
• Beware Of Credit Repair Scams
• Doughboy Dies
• Tax Benefits For Adoption

If you moved since filing your last tax return, you should file a Form 8822, Change of Address, with the local office of the IRS serving your old address.

For 1997, consider having your refund directly deposited into your bank account. To do that, you just have to complete two extra lines on your Form 1040. For a quicker refund, have us file your return electronically with your refund being directly deposited into your bank account. For a small fee, our office can take care of electronic filing most US and Massachusetts income tax returns. We are an "Authorized IRS e-file Provider." Call us!

Paying winter or spring tuition in January 1998 starts the HOPE, or lifetime learning credit. The $1,500 HOPE credit applies to expenses paid after 1997 for an academic period beginning after 1997. The credit is, of course, subject to the Adjusted Gross Income phase-out levels.

Taxpayers who have qualifying children under age 17 may be entitled to a new child tax credit of $400. Yes, of course, again there are AGI phase-out levels.

These credits can be yours all year long, by adjusting your withholding exemptions. If you qualify for the credit, file a new W-4 Exemption Certificate, and enter dependency exemptions equivalent to the amount of the annual credit(s). This way, you can receive benefit of the credits all year long. Call your Human Resources or Payroll Department and ask.

This issue of TAX TIPS AND FACTS will appear on our own World Wide Web (WWW) page, making it available to the rest of the WORLD. You can find us at (our URL is) http://www.rak-1.com/.

Last month, our Web site had 20,547 "hits" from as many as 33 different countries. The busiest time was on Mondays from 11:00am to 12:00 noon

Roger is always looking for more business and individual clients. With the advent of the Internet, fax machine and overnight delivery, our client base now covers many states in the USA. If you know of someone seeking professional tax or business advice, or funds management, please let us know. Also let me know if I can use your name in a welcome letter to the prospective client.

Hmmmmm, the cost of Microsoft's Internet Explorer is $0.00. does this mean that Netscape is going to pay people to use its browser? I guess Netscape will make it up on volume.

Unfortunately, they may not be getting enough for their money. You can challenge negative and inaccurate information yourself at no cost, usually be filling out a dispute form supplied by a credit bureau. negative and accurate information generally will remain for as long as seven years.

Under the law, a "credit repair" company must tell you bout your legal rights in a written contract. The contract must also spell out the services to be provided, the total cost and the guarantees. The contract must also explain that you have three days to cancel at no charge.

Thanks for this tip from Kegan, Werlin & Pabian, LLP, attorneys of Boston.

He was 71. Fresh was buried in one of the largest funeral ceremonies in recent years.

Dozens of celebrities turned out including Mrs. Butterworth, the California Raisins, Hungry Jack, Betty Crocker, and the Hostess Twinkies. The graveside was piled high with flours as longtime friend Aunt Jemima delivered the eulogy, describing Fresh as a man who "never knew how much he was kneaded."

Fresh rose quickly in show business, but his later life was filled with many turn overs. He was not considered a very smart cookie, wasting much of his dough on half-baked schemes.

Still, even as a crusty old man, he was a roll model for millions. Fresh is survived by his second wife. They have two children and one in the oven.

The funeral will be tomorrow at 4:50 for about 20 minutes.

To the best of our knowledge, this item is not copyrighted, nor is the author's identity known. It was forwarded to us by Barry Ryan, a member of Computer Organizations of New England (CONE), an organization dedicated to helping individuals and groups in the use of computers by providing and sharing information and support between computer users, computer groups, organizations and businesses. For more information about CONE, please call this office or go to .