Direct Deposit Authorization Form In Spanish: Fill & Download for Free

You have till May 13 to set up direct deposit for your stimulus check. Here's howThe IRS has given you until May 13 to set up direct deposit for your stimulus payment. After Wednesday, the IRS will begin preparing the final rounds of paper checks..The IRS has tried to make the process of setting up direct deposit simple, using the Get My Payment app, which you can also use to track your IRS stimulus money track your IRS stimulus money. We'll tell you what personal information you'll need to have on hand to make setup go more smoothly and explain what happens if you get an error message. Some people, however, are having problems taking their payments and signing up for direct deposit.How to set up direct deposit for your stimulus checkTo get started with Get My Payment portal, you may need your 2019 tax return if you've filed, as well as your 2018 return. Because of high demand on An official website of the US Government. you may need to wait until it's your turn to access the tool. If you get an error message, see the next section. And the IRS said a Spanish-language version of Get My Payment is coming in a few weeks.1. Head to the IRS' Get my payment page and tap the blue Get My Payment button to set up direct deposit for your economic impact payment.2. On the next page about authorized use tap OK.3. On the Get My Payment page, enter your Social Security number (SSN) or individual tax ID (ITIN), your date of birth, your street address and your ZIP or postal code.If the IRS has your direct deposit information, you'll see a page giving you the status of your payment. If it doesn't and you are eligible for a check, you can enter your bank account's routing number and account number (scroll down for how to find these numbers) to have the government send your check to your bank account.What happens if I get an error message or the IRS doesn't tell me my payment status?If the screen flashes "status unknown," "please try again later" or another message whose meaning is unclear, here is a list of possible explanations to help you puzzle out your specific situation. The IRS is reportedly aware of the issue., according to The Washington post.How to setup your direct deposit?You'll want to have at hand your bank account's routing and account numbers. You have several ways to find this banking information.Banking website: Your bank's website may show your routing and account numbers. For Bank of America, for example, log into your account, select the account you want to use and then tap the Information & Services tab to see the numbers you need.Banking app: If your bank has an app, it may show you your account and routing numbers. In the Bank of America's BofA app, for example, tap the account you want to use and then scroll to the bottom of the app window to see your clearly labeled account and routing numbers.Printed check: At the bottom of your check you most likely will see three sets of numbers: The first set of nine numbers is your routing number. The second set of 8 to 12 numbers is your account number. The third set -- which you don't use to set up direct deposit -- is the check number.When will my check go out?Millions of US residents who had setup direct deposit with the IRS have already received their stimulus checks. And those who set up direct deposit through the Get My Payment portal will receive their checks in several days, the IRS said. You can have the government send the money to other payment services, like coved being he cash app or a PayPal account.. The IRS said the last waves of mailed checks will will begin arriving through late May and into June.While you're waiting for your check to arrive, here's how to avoid covid being shamed. Avoid being scammed. And after you receive it, here are some ideas for ow to do your stimulus how t o equal you HOW TO SPEND YOUR STIMULUS CHECK. If you're still struggling after getting the check, here's how to get help on your financial bills.If the IRS is mailing you a paper check for your impact money, can you see when the US post office will deliver your stimulus payment? Maybe you're eligible for a coronavirus payment but haven't set up direct deposit with the IRS, so a paper check could come from the post office. Maybe you went to the IRS portal to track the payment )here is how and saw a message that your check will arrive via snail mail. Or perhaps you meet the requirements for a check of up to $1,200 but had problem with the IRS portal, threw up your hands and are just waiting now for your check to come in the mail from the IRS.Whichever way you tried to check your payment schedule, you know now your stimulus money is coming -- but not when. To see what day it'll arrive, you can use the US Postal Service's mail-tracking app and service known as Informed Delivery to be notified when your check is to arrive. (And here's what we know about the possibility of a second round of stimulus checks.CNET CORONAVIRUS UPDATEKeep track of the coronavirus pandemic.SIGN ME UP!By signing up, you agree to the CBS Terms of use and acknowledge the data practices in our You may unsubscribe at any time.See if you can use Informed DeliveryWhen the Postal Service runs mail through its automated mail sorting equipment, it creates a digital image of the front of all letter-size mail. The Informed Delivery program uses this digitally captured information to notify you when each piece of mail is on the way.The service is available to many residential and personal PO box addresses but not businesses. It also won't work for some multiunit buildings where the postal service hasn't yet identified each unit.Here's how to check whether it's available in your area.1. Head to the postal services informed Postal Service's Informed Delivery page and tap the Sign Up for Free button.2. Enter your mailing address, and tap Continue.If the service is available, you can continue to set up an account.Watch this: Coronavirus stimulus checks: Everything you need to know2:06Set up the Informed Delivery serviceIf you're eligible, here's how to set up your account.1. On the Postal Service's Informed Delivery page, if you haven't yet, tap Sign Up for Free.2. After you enter your mailing address and confirm it's in the service, accept the terms and conditions and tap Continue.3. On the next page, choose your username, password and security questions; enter your contact information; and then tap Continue.4. On the next page, you'll need to verify your identity. Tap Verify identity online if you want to receive a verification code on your phone or tap Request invitation code by mail if you want the postal service to mail a code to you. If neither method works for you, may also be given the option to visit a post office to verify your identity in person.Watch this: How to file a tax extension during the COVID-19 pandemic1:37How to see your what's coming in the mailThe IRS said it can take three business days to activate your account after you set it up. Once it's live, you will receive an email each morning Monday through Saturday if mail is scheduled to arrive, notifying you of mail that will be delivered, along with a grayscale image of the front of the letter.

This has been a topic of research since Adam Smith. He was the first to notice that countries richest in resources are usually poorest with economy, and he dubbed it as “paradox of plenty”.In economics, this is a well-known and well-researched phenomenon, and known as Resource curse. The basic axioms are:Rich natural resources have never made one single country wealthyThose countries with poorest natural resources are usually the richestIf a country has rich natural resources and is still rich, it has happened despite those resources, not because of them.The main reason is that rich natural resources (oil, ores, diamonds, precious stones etc) are unearned income. They come as windfall, and one does not need to see any onus to earn them - just extract them. They also are localized, and easily seizeable by means of physical violence.The most important reason is the Dutch disease. In a nutshell, it means the increase in the economic development of a specific sector (for example natural resources) and a decline in other sectors (like the manufacturing sector or agriculture). This was first noted by the Netherlands in the 1960s and discovery of the gas fields at North Sea. But it could just as well be dubbed as Confederate disease: the cotton production on unpaid and coerced labour was just a similar windfall profit for the South, and it impeded the industrial development for good. There were no cotton refining industries in South; all the cotton was shipped to North where the factories were. Slavery is basically pressing the price of labour artificially to zero. This same phenomenon is evident on all militaries based on conscription as well. They are usually technologically very low level - simply because there is no incentive to develop technology when you can coerce humans to do the work of the machines.Note there is next to no chemical industry besides basic refineries in the oil producing countries. They import either crude oil or basic fractions. And if there are, there is no other industry in those countries. Everything revolves around oil. The only exception appears to be Norway and UK - which discovered oil only after having developed the productive industry of high degree of refinery.The second consequence is monetary volatility, which has especially punished Russia. When the economy revolves around one single resource and its imports, the money of the country also follows the international raw material exchanges and the price of the commodity. When the demand is high, also the rate is high; and when the demand is low, also the value of the money plummets to bottom mud. This monetary volatility is a good thing when demand is high, but a very, very, bad thing when the demand is low (as it is now on the COVID-19 crisis), meaning an economic catastrophe. This is also the reason why the Russian oligarchs invest their monies everywhere around the world but not in Russia.And third consequence is deindustrialization, which follows from the Dutch disease and the monetary volatility. It can happen in resource rich economy in two ways:a) In the "resource movement effect", the resource boom increases demand for labor, which causes production to shift toward the booming sector, away from the lagging sector. This shift in labour from the other sectors to the booming sector is called direct deindustrialization.b) The "spending effect" occurs as a result of the extra revenue brought in by the resource boom. It increases demand for labour in the non-tradeable sector (services), at the expense of the other sectors. This shift from the lagging sector to the non-tradeable sector is called indirect deindustrialization. The increased demand for non-traded goods increases their price. However, prices in the traded good sector are set internationally, so they cannot change locally. This amounts to an increase in the real exchange rate.Russia has suffered on severe deindustrialization, especially in the domestic production sector. Its industries have proved not to be competitive enough with foreign exports. The same deindustrialization happened in Chile in the 1980s when the Neo-Liberalist economies were imposed in Chile, and the emphasis of the economy shifted on copper production.The fourth consequence is the enclave effect. In a nutshell, it means the resource production is effectively a state within a state, with its own rules, own laws and very little interface with the rest of the society.Oil, ore or mineral production generally takes place in an economic enclave, meaning it has few direct effects on the rest of the economy. Consequently, economic diversification may be delayed or neglected by the authorities in the light of the high profits that can be obtained from limited natural resources. Since there are very little capital outside the resource production sector, the state is usually the only viable business angel. The attempts at diversification that do occur are often centrally managed public projects which may be misguided or mismanaged.However, even when the authorities attempt diversification in the economy, this is made difficult because resource extraction is vastly more lucrative and out-competes other industries for the best human capital and capital investment. Successful natural-resource-exporting countries often become increasingly dependent on extractive industries over time, further increasing the levels of investment in this industry as it is necessary to maintain their states' finances. While resource sectors tend to produce large financial revenues, they often add few jobs to the economy, and tend to operate as enclaves with few forward and backward connections to the rest of the economy.The fifth consequence is violence and conflicts. Resource deposits are local and easily seizeable by violence and force. Conversely, keeping them under one’s control asks for private armies and police forces. A country that is otherwise typical but has primary commodity exports around 5% of GDP has a 6% risk of conflict, but when exports are 25% of GDP the chance of conflict rises to 33%. Ethno-political groups are more likely to resort to rebellion rather than using nonviolent means or becoming terrorists when representing regions rich in oil.Such situation creates lucrative opportunities to various mafia bosses, oligarchs, tribal leaders and warlords to seize and expropriate the resources and to channel them as their private property instead of the society.The sixth consequence is decline on human resources. The resource poor countries - such as Japan, Tunisia and Finland - have their human capital as their only asset, and the only way to become rich is by work and investing on human capital. In many resource rich countries, natural resource industries tend to pay far higher salaries than would be available elsewhere in the economy This tends to attract the best talent from both private and government sectors, damaging these sectors by depriving them of their best skilled personnel.But since not everyone is eligible or employed on those sectors, the result is brain drain. The country loses a lot of talent as immigration to abroad Finland has benefited enormously of talented Russians immigrating to Finland and being employed in Finnish companies. Another possible effect of the resource curse is the crowding out of human capital; countries that rely on natural resource exports may tend to neglect education because they see no immediate need for it.The seventh consequence is misinvestments. Since the production of resources are easy money and rent income, but investing it in the economy and attempting to diversify the economy is risky, the money is spent often on conspicuous but not productive objectives: white elephant projects, weapons, conspicuous consumption. Since natural resources generate easily taxable rents, it could result in increased spending on education and infrastructure, but just as well on spending on the military and purchasing weapons. Venezuela has managed to shit its economy down in the drain by such misinvestments.The eighth consequence is division of the country into filthy rich and dirt poor. Rich natural resources produce enormous riches - but only to select few, like the Oligarchs in Russia. And since the bloated resource production sector impedes the development of other industries, the results in the society are nasty. A study on coal mining in Appalachia suggests that the presence of coal in the Appalachian region has played a significant part in its slow pace of economic development. The estimates indicate that an increase of 0.5 units in the ratio of coal revenues to personal income in a county is associated with a 0.7 percentage point decrease in income growth rates. No doubt, coal mining provides opportunities for relatively high-wage employment in the region, but its effect on prosperity appears to be negative in the longer run.Another example was the Spanish Empire which obtained enormous wealth from its resource-rich colonies in South America in the sixteenth century. The large cash inflows from silver and gold reduced incentives for industrial development in Spain. Innovation and investment in education were therefore neglected, so that the prerequisites for successful future development were given up. Thus, Spain soon lost its economic strength in comparison to other Western countries. There was a lot of gold but nothing to purchase with that gold, and not everyone had that gold. The result was inflation. The gold acted as poison to the economy, not as medicine.A study of US oil booms finds positive effects on local employment and income during booms but that after the boom, incomes "per capita" decreased, while "unemployment compensation payments increased relative to what they would have been if the boom had not occurred.And finally, as ninth, the saddest consequence is decline of democracy and human rights. This is a combination of all these eight other factors. Skewed economy, all-prevailing corruption society divided into filthy rich and dirt poor, violence and conflict and the low education of the populace lead easily into a control state where either the government and the police, or the local strongmen with their private machineries of violence, keep the society disciplined and under their fist.Chile saw a serious decline on democracy and human rights in the 1970s and 1980s during the military administration, and I do not call Russia as the promised land of human rights either.

How my boss realized I was irreplaceable:After leaving my previous job because my employers were dishonest, I found a new job as a purchaser for a real estate developer. We would find run-down houses to buy and then the developer would send work crews to rehabilitate the properties and then he would rent or re-sell them.My new boss had already hired a purchaser a few days before, but he decided to take a chance on me as well, hoping he could double his inflow of real estate.My new co-worker and I started work on the same day. My boss worked out of his home and there were 2 desks to choose from; one in a spare room downstairs and one next to the boss’s desk in a crowded office with phones ringing, people going in and out and his kids making frequent visits. I chose that desk and my co-worker gratefully ended up alone in the quiet office.From day one I listened and absorbed every bit of info I could about how the boss operated, what he liked & disliked, what recurring problems the business had, how he dealt with outside contractors, issues with the construction crews, etc. The field supervisor loved to talk so every chance I got to talk to him outside the office, I did so, listening to his decades worth of experience in construction—what kinds of repairs were commonly needed and the time-and money-saving techniques he had learned and developed, building code and zoning info, personal info about various crew members, just a wealth of intel.In a short time I was answering phones when my boss was busy, and dealing with them just as I had heard him do. At first, he was taken aback at how presumptuous I was, but had to admit I was right on target and he really needed the help. I started offering my observations on how things could run more smoothly, and when he took my advice, it always worked.After a few months there I realized that I was a terrible purchaser, but my co-worker was great at it. However, the business had no construction project manager and consequently things were so inefficient, the projects took so long and so much money was being wasted, it was ridiculous. So I proposed to my boss that he let me go out into the field and optimize operations to save and make him more money.Of course he was terribly skeptical; I was a woman, new to the business, without a college education, wanting to assume a supervisory role over 5 all-male construction crews, almost every one of them from “macho” Latin cultures. I had very little construction knowledge, as far as he knew.In my favor, I was fluent in Spanish, I absorbed new info like a sponge and I had a job history of entering small businesses that were flailing and turning them around to make them more efficient and profitable. The ones that didn’t take my advice invariably went out of business. Also, my mom had made her living “flipping” houses before that was even a thing. I grew up watching her rehab houses single-handedly. I made my boss an offer he couldn’t refuse: Give me 6 months. If I don’t make and save you more money than you’re paying me, you can let me go.So I started making the rounds of projects every day. I got to know the workers, joked with them, learned the names of their wives and children, asked them to show me through the projects and give their opinions of what needed to be done and why. I listened to their gripes and woes and learned what they needed in order to feel appreciated.I took every opportunity to listen to the field supervisor and figure out where the points of friction lay between him, the crews and the boss.I got to know the outside contractors we usually used, learning which ones were cheating the business, taking unacceptable shortcuts, leaving jobs unfinished but still managing to get paid, etc.In very little time, I took over dealing with the outside contractors. They were put on notice that I was the one that would authorize payment, AFTER the work had been inspected by me personally. No payments would be made until every jot of work had been done and cleanup was complete. If they dragged their feet on the job, the amount they would be paid would decrease by a certain percentage for every day over the estimated completion date, unless the delay was justified to my satisfaction. They hated me! But it worked. We saved a ton of money and time.After building rapport with the crews, I started adjusting the company’s expectations of them. No more 90-minute lunch breaks. No more than one trip to Home Depot per day—they were to build a list and get everything at once. I had learned enough to know when they were doing a sub-par job and called them on it.I also pressured my boss to raise their pay. They were on slave wages but they couldn’t complain because almost all of them were undocumented and there were hundreds ready to take their place if they quit or got fired. Because most of the guys had been with the company for a long time, I pointed out to my boss that hiring replacements would cost a fortune in time lost through re-training. I managed to get them several raises which made them much more eager to abide by the stricter rules I made for them.I instituted a bonus program, whereby if they got a job done within the amount of time the boss and field supervisor judged was reasonable, each member of the crew would receive a bonus. That program resulted in the very first project the company had ever done (even before I got there) that came in on time and on budget. It also proved to the boss that I had been right in my estimation of the amount of time and money that was being wasted.I took over all the hiring, from writing the ad copy through screening, phone calls and interviews. The final interview was with the boss. It was just a formality—those people were essentially hired before they got that far. I also took over all the firing and disciplinary action.After I got back to the office in the afternoon, I would write my report and then spend time researching suppliers and products to find better pricing or terms, faster delivery, better quality, etc.I also took over managing all the rentals, from finding the tenants initially through the final walk-through and deposit return. I did almost all the repair calls (I have mad handyman skills) and was on call 24/7/365 for emergency repairs, getting calls on Xmas Eve, Thanksgiving, 2am, etc.During the time I worked for my boss, he moved from his cheap house in the ghetto where he started out, to a multi-million dollar home in the rich-bitch neighborhood. I’m not saying I was totally responsible for that, but I certainly helped.On a more personal note, my boss’s youngest son was a toddler when I got there and as he grew, it was clear there was some sort of issue with his social and interpersonal development. They were ignoring the issue, trying to convince themselves he would “grow out of it.” After observing him for a few months I told them I was pretty sure he was on the autism spectrum. At first they rejected that and were angry at me for suggesting it but they soon got him diagnosed. They were able to get him some help and get themselves educated on how they could ease his way into coping with it. The improvement in his behavior was remarkable.Finally reaching the limits of my available time, I asked for an assistant to do the easy stuff like answering calls, monitoring employment ads, sorting responses, screening prospective employees before interviewing with me, doing product research. I got a wonderful assistant who really took some of the load off.Then the economy took a turn for the worse. The real estate bubble popped, just as I had warned my boss it was going to do. I had advised him to take some measures to protect the biz and his finances but his response was, “When you’re making as much money as I am, then you can tell me how to run my business.”Suddenly, my boss was losing money like mad. He started accusing the office staff of stealing from him, cheating him. We were shocked! We were like a family. We couldn’t believe our ears. Besides, we didn’t keep any cash there so we weren’t even sure what he meant. One day I came in to find that he had installed security cameras in the office, even though the office was right next to his house and behind a locked gate. The only people he could be suspicious of was the office staff. I found that one of the cameras was pointed directly at my desk. I was outraged! I spent 6 hours a day in the field where he had no way of knowing what I was up to, and yet he felt the need to watch my every move at the desk. F*k that. I turned in my notice.When my crews learned I was leaving, they were crushed. “Who’s going to stand up to the boss for us? Who’s going to make sure we get our raises and bonuses? We’re screwed.” I was sad to leave them but it felt good to be appreciated, since my boss never really gave me any positive feedback.I privately told my assistant that she might want to be on the lookout for another job because this company was going to crash and burn. On my last day of work, I flipped the double bird to the security camera on my way out.About 3 months later, I called my assistant for some info I needed and asked her how it was going. She told me that after I left they had to hire 3 people to take my place and even so, about 40% of what I’d been doing simply wasn’t being done at all.6 months after I left, the company was a husk of its previous self. 4 of the 5 crews had been let go, as well as 1/2 the office staff. The company was stuck with a great number of houses they couldn’t sell without taking huge losses. They were pretty much reduced to managing crappy rentals in depressed areas.My boss never admitted I had been an asset to the company but I know he knew. He couldn’t really deny it.