Finding and Recovering Unclaimed Money

Unclaimed money is money left behind in the form of forgotten bank accounts, utility deposits, wages, tax refunds, pensions, life insurance policies and more. In most cases, unclaimed money can be recovered by the rightful owners.   Both the state and federal governments may be holding unclaimed money and both provide resources for finding and recovering it. You Might Have Unclaimed Property If†¦ You have moved -- with or without—leaving a forwarding address. (Moving is the main source of abandoned utility deposits and bank account balances.)You have retired, been reassigned, or laid off from a job.You have not made a transaction on your checking or savings account for over three years.You have stopped payments on an insurance policy.You have an uncashed check made out to you more than 3 years agoYou regularly throw away your mail without reading it.You have noticed that regular dividend, interest, or royalty checks have stopped coming.You have settled a deceased family members estate. State Unclaimed Money Resources States are the best place to look for unclaimed money. Each state handles the reporting and collection of unclaimed property and each state has its own laws and methods for recovering unclaimed property. All 50 states have secure online unclaimed money and property search applications on their websites, along with information on how to claim and recover it. Unclaimed money most often held by the states comes in the form of: Utility deposits (very common), credit balances, store refunds State income tax refundsUncashed checksStock certificates or accounts, bonds, mutual fund accountsLife insurance policy proceedsUndistributed wagesChecking and savings accountsGift certificatesTravelers ChecksSafe deposit boxesRoyalty paymentsCourt awards or deposits Federal Unclaimed Money Resources Unlike the states, no single agency of the U.S. federal government can or will help people recover their unclaimed property. â€Å"There is no government-wide, centralized information service or database from which information on unclaimed government assets may be obtained. Each individual Federal agency maintains its own records and would need to research and release that data on a case-by-case basis,† states the United States Treasury Department. However, some individual federal agencies can help. Back Wages If you think you may be owed back wages from your employer, search the Department of Labor’s Wage and Hour Division’s online database of workers for whom it has money waiting to be claimed. Veteran’s Life Insurance Funds The U.S. Department of Veterans Affairs (VA) maintains a searchable database of unclaimed insurance funds that are owed to certain current or former policyholders or their beneficiaries. However, the VA notes that the database does not include funds from Servicemembers’ Group Life Insurance (SGLI) or Veterans’ Group Life Insurance (VGLI) policies from 1965 to the present.   Pensions from Former Employers While it no longer offers a searchable database, the federal Pension Benefit Guaranty Corporation offers information on companies that have gone out of business or ended a defined retirement plan without paying outstanding benefits. They also offer a list of non-government resources for finding unclaimed pensions. Federal Income Tax Refunds The Internal Revenue Service (IRS) may have unclaimed property in the form of unclaimed or undeliverable tax refunds. For example, the IRS may have refund money for persons who did have enough income in a given year to file returns. In addition, the IRS has millions of dollars in checks that are returned each year as undeliverable due to out-of-date address information. The IRS’ â€Å"Where’s My Refund† web service can be used to look for unclaimed tax refunds. The Internal Revenue Service (IRS) may owe you money if your refund was unclaimed or undelivered. Banking, Investments, and Currency Bank Failures: Unclaimed funds from failed financial institutions can be recovered from the Federal Deposit Insurance Corporation (FDIC). Credit Union Failures: Unclaimed funds from failed credit unions can be found through the National Credit Union Administration. SEC Claims Funds: The Securities and Exchange Commission (SEC) lists enforcement cases in which a company or person owes investors money. Damaged Money: The U.S. Treasury Department will in most cases exchange mutilated or damaged U.S. currency. Mortgages Persons had an FHA-insured mortgage may be eligible for a refund from the U.S. Department of Housing and Urban Development (HUD). To search the HUD mortgage refund database, you will need your FHA case number (three digits, a dash, and the next six digits—for example, 051-456789). US Savings Bonds The Treasury Department’s â€Å"Treasury Hunt† service allows people to search for forgotten savings bonds issued since 1974 that have matured and are no longer earning interest. In addition, the â€Å"Treasury Direct† service can be used to replace lost, stolen, or destroyed paper savings bonds. Unclaimed Money Scams Where there is money, there will be scams. Beware of anybody – including people claiming to work for the government – who promise to send you unclaimed money for a fee. Scammers use a variety of tricks to get your attention, but their goal is the same: to get you to send them money. Government agencies will not call you about unclaimed money or assets and as illustrated here, there are plenty of ways to get your money yourself. The Federal Trade Commission (FTC) provides tips on how you can avoid government imposter scams.

The Relationship Between Men and Women Presented in the...

The relationship between men and women presented in the short story â€Å"The Story of an Hour†, is that men dominated society. A Woman’s freedom was nonexistent. Throughout this short story, women are presented as powerless and dependent while men were considered to be superior. Women were tied down through marriage, such as, having been expected of doing as the man pleased without having any say in the relationship. Through a feminist critical perspective, this short story supports a patriarchal society that is presented though marriage and women’s lack of freedom. During this period in time, men had dominated with power and control over women. Women were seen as weak and powerless, therefore it was assumed and expected of women to obey the†¦show more content†¦With this intention, men had power over the women. From a feminist critical perspective, it is clear to perceive that her husband’s death was a release of freedom from her marriage. The text describes that at times, she did and did not love her husband. However, love had not mattered anymore because she was now free. Whether they loved each other or not, she would have still been his property. This restriction of freedom was no longer her cross to bear. The death of her husband would pave her a path for a new life. Louise whispers, â€Å"Free! Body and soul free!†. Keeping the feminist critical perspective in mind, the idea is given that her â€Å"body† is the physical property and the â€Å"soul† is her emotional and mental freedom. Provided that Louise suffered from a heart condition, her sister begged her to open the door and relax because for fear that she would make herself ill. No; she was drinking in a very elixir of life through that open window. Through this open window, Louise cumulatively realized all the new opportunities, chances, and possibilities swarming in her mind. Applying the feminist critical perspective states that with a husband standing in the way of her freedom, these possibilities were just fantasies deemed as impossible. Men stood in the way of allowing women to live their own lives. Spring days, and summer days, and all sorts of days that would beShow MoreRelatedKate Chopin s The Yellow Wallpaper1415 Words   |  6 Pagesfamous women authors of the Victorian era were Kate Chopin and Charlotte Perkins Gilman. The Victorian era brought out many different themes of freedom, confinement, and inequity. The Victorian themes can be seen in Kate Chopin’s writing called, â€Å"The Story of an Hour† and Charlotte Perkins Gilman’s writing called, â€Å"The Yellow Wallpaper.† There are many similarities and differences between both Victorian women’s perspectives and writing. This paper will compare and contrast the short stories writtenRead MoreFemale Characters Overthrowing Gender Roles1101 Words   |  5 Pageswriting, including short fiction, women are portrayed as good, evil, funny, dry, smart, stupid, almost any adjective you can think of. Kate Chopin, a primarily short story writer, does not fall short of this statement. Through her stories, â€Å"The Storm,† and â€Å"The Story of an Hour,† the women seem to be trapped in confining gender roles. By the conclusion of each sto ry all the women find a way to challenge their everyday roles and overthrow them in some matter. Although these stories are dissimilar fromRead MoreThe Feminist Movement By Kate Chopin And Boys And Girls By Alice Munro1231 Words   |  5 Pages For millennia, women have been perceived as lesser beings compared to men. Many women tend to fall into a sense of entrapment brought on by the superiority complex of men. The feminist movement, which began in the late nineteenth century, works to disprove this false perception. The movement describes a fight for political, cultural, and economic rights equal to that of men. Two short stories, â€Å"The Story of an Hour† by Kate Chopin and â€Å"Boys and Girls† by Alice Munro, relate experiences from femaleRead MoreTwo Gallants Essay1216 Words   |  5 Pages A short story by James Joyce published in his 1914 collection Dubliners. Two men, Lenehan and Corley, are walking the streets of central Dublin on a Sunday evening. Corley dominates the conversation telling Lenehan about a girl he has recently seduced, a maid who works for a wealthy family. He brags about how the girl supplies him with cigars and cigarettes, which she steals from the family. Corley considers his relationship with this girl superior compared to when he used to ask women out andRead MoreTwo Gallants Essay1223 Words   |  5 Pages A short story by James Joyce published in his 1914 collection Dubliners. Two men, Lenehan and Corley, are walking the streets of central Dublin on a Sunday evening. Corley dominates the conversation telling Lenehan about a girl he has recently seduced, a maid who works for a wealthy family. He brags about how the girl supplies him with cigars and cigarettes, which she steals from the family. Corley considers his relationship with this girl superior compared to when he used to ask women outRead MoreFeminism And The Advocacy For Equal Rights1563 Words   |  7 PagesFeminism, or the advocacy for equal rights for both women and men, is an important issue with a high relevancy to society today. Kate Chopin was the one of the first feminist American authors, and even if she did not have a direct role in the movement itself, she believed in the core principles of it and wrote feministically in her stories. Kate Chopin’s expressive and realistic style was heavily influenced by her exposure to feminine feelings and experiences throughout her lifetime. Chopin ledRead MoreIn The Life And Writings Of Kate Chopin And Mary E. Freeman,1343 Words   |  6 Pageswritings of Kate Chopin and Mary E. Freeman, how can you see the obvious cry for women to have an equal status in a man’s world? Chopin and Freeman lived in a time when men dominated women; a woman’s job was to marry, have a home, and raise children. Women were their husband’s property and law did not protect them if they were abused. (Plaza) Owning land, making financial decisions, and voting was among the many things women could not do. Freeman and Chopin both used their literary works to shed lightRead MoreAn Analysis Of Kate Chopin s Chopin 1690 Words   |  7 PagesKate Chopin was a famous American author of many short stories and novels. Chopin is now considered to have been a predecessor of the feminist movement and a leader of the feminist authors of the late 19th and early 20th centuries. Kate Chopin lived a rather traditional life as a housewife until her husband’s untimely death, which significantly changed the course of her life. Chopin s career as a writer actually began when she started facing financial struggles due to the death of her husband. Chopin’sRead MoreGen der Roles and Marriage Essay1997 Words   |  8 Pagesfollowing short stories The Story of an Hour, The Necklace, and Country Lovers, along with scholarly articles based on gender role and marriage. Evaluation of these literary works shows quite clearly that social and economic class affects choice in marriage. Gardiner’s County Lovers presents its fairly clear theme right from the beginning of the story. Yes, there is a theme of race, but if you look even deeper you can see the underlying idea of marriage and gender roles. There is a love between twoRead More The Young Couple by Ruth Prawer Jhabvala, Country Lovers by Nadine Gordimer and Veronica by Adewale Maja-Pearce1401 Words   |  6 Pagesâ€Å"The Young Couple† by Ruth Prawer Jhabvala, â€Å"Country Lovers† by Nadine Gordimer and â€Å"Veronica† by Adewale Maja-Pearce The writers in the following short stories from diverse cultures present relationship problems encountered by characters due to social and cultural pressures. The social pressures are civil war, poverty, apartheid, and education. The cultural pressures are due to different cultures with different values and beliefs, social standings in society and society’s prejudices and

Example of Significance of the Study Free Essays

The study of dehydration technology and craft fabrication can be a learning paradigm in the secondary level and vocational schools to enhance the students’ knowledge and entrepreneurial skills as well. This is but a small contribution with the Dakar Framework for Action (2000) that not only basic education be learned by today’s students but acquisition of learning skills and knowledge for gainful employment and full participation in country’s society. The project’s goal is designed to help students improve academic competence, develop employability skills, implement a career plan and participate in a career pathway in preparation for post secondary education or careers in the food manufacturing or services sector after graduating from high school. We will write a custom essay sample on Example of Significance of the Study or any similar topic only for you Order Now This goal can be achieved through the mentors that can teach the students the food dehydration technology and craft fabrication for use of the process. The output of this study is a source material that the teachers can assimilate and disseminate by diffusion and induction technique. SAMPLE OF SIGNIFICANCE OF THE STUDY Significance of the study This section will provide brief description on the various significances of the study given the three categories Educational, Technological and Economic. To students. The proposed study serves the students as their reference or guide in creating their program. It will also help students taking computer related courses to identify the best programming language to use. To teachers. The proposed study will help teachers to have a deeper understanding to the said programming languages. By this study they will come up with easier and powerful program. To future researcher. The proposed study will benefits and help the future researcher as their guide. The study can also open in development of this study. How to cite Example of Significance of the Study, Papers