Generally, the income of self-employed borrowers is verified by obtaining copies of personal (and business, if applicable) federal tax returns for the most recent two-year period. However, based on your entire financial situation, we may not need full copies of your tax returns. We'll review and average the net income from self-employment that's reported on your tax returns to determine the income that can be used to qualify.

A minister is an employee for federal income tax purposes and self-employed for Social Security tax purposes. (For more information, see "How to Set Clergy Compensation" available in our Offers Section.)

To avoid penalties you must file your income tax return by June 15th, 2004, however if you have a balance owing you must make your payment by April 30, 2004.

Yes! Some lenders offer an N.I.Q. (no income qualify) mortgage where they use your stated income to qualify, on approved credit. You still get favourable rates and, depending on the lender, could get up to 100% financing!

Yes. We have access to a large number of loan and mortgage products that will accept incomes that are self certified i.e. you cannot provide any other proof of income such as a letter from an Accountant etc. Our professional underwriters will contact you, in the strictest confidence, and discuss the options available to you.

If you are self-employed you need to take the same action to protect yourself as an employer takes to protect employees, and to use protective equipment on the same basis as employees. Employers also need to take action to protect those who are employed by them to work at home.

Yes, you must provide two years earnings statements indicating your income level. See your lender for more information.

Health and safety law applies to all businesses however small. It covers employees, full or part-time, temporary or permanent; self-employed; young people doing work experience; apprentices; charity workers; mobile workers and home workers. Even if you are self-employed, and do not have employees, you still need to assess health and safety risks which may affect you and others, eg other contractors, office staff, members of the public.

Absolutely. We have access to 100's of mortgage loan programs, including no-income verification mortgage programs (where you don't have to show your income at all to qualify for a mortgage), and even self-employed mortgage programs: where you can still get a mortgage even if you don't have consistent income.

Send Healthy Steps the income verification that you have. (Example: If you opened a daycare in your home six months ago, send a copy of the ledger showing income and expenses dating from the start of the business.)

Your CSEA can register your support order in Oregon for enforcement. The child support agency in Oregon will then be able to use all the enforcement tools available under its state law to collect your support. Your case may qualify for federal prosecution under the Child Support Recovery Act of 1992 or other federal law. You should discuss this possibility with your CSEA. Ohio has reciprocal agreements with several European countries, most Canadian provinces and certain other foreign countries.

The same limits on contributions made to employees' SEP-IRAs also apply to contributions made to a self-employed individual's SEP-IRA. However, special rules apply when figuring out the maximum deductible contribution. See Publication 560 for details on determining the contribution amount. Most SEPs, including the IRS model Form 5305-SEP, require that allocations to all employees' SEP-IRAs be proportional to their salary/wages.

A number of reasons: WBS is specialised in dealing with private shipments. Most cargo agents concentrate on commercial freight. Shipments via WBS are not limited to a maximum weight, dimension or delivery requirements and you have the choice to declare your own goods at the final destination or instruct a shipping agent to declare them on your behalf. These choices are reflected in our competitive prices.

employee has 12 uncertified sick days per year. An employee is not granted sick days during his/her probation period.

Not necessarily. Only businesses that are in the fields of culture, athletics or farm management can be considered under the self-employed category. Examples of Self-employed categories are music teachers, artists, illustrators, film makers, freelance journalists, choreographers, set designers, coaches and trainers, theatrical or musical directors and impresarios.

This will depend upon the specific circumstances and the type of loan required. ARK Mortgages works with numerous lenders that have deep experience lending to self-employed people. Please call us for additional details.

A self-employed applicant can qualify for a loan but must support the application with supplemental information including a two year history of averaged earnings. Valley Mortgage Company, Inc. can advise you about the type of verification required by each lender and recommend which lender best suits your needs.

If you are self-employed there is no one contributing Superannuation for you. It is up to you to fund your retirement. If you want to be self-funded retiree, it is essential to start a disciplined approach to prepare for your retirement. If you wish to reduce your taxable income and pay less tax you can pay a tax-deductible contribution to a complying Super fund. If you want to control your own Super you can establish a DIY super fund.