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    If money is in someone else's name, you will also have to supply proof that you're the beneficiary, such as a copy of the deceased's will. Once you submit the claim form, it should take about two months for you to get the check. Even if you don't find any money, you should continue to check with the unclaimed property offices every few years. Sometimes the money takes a while before it is turned over to the unclaimed property office. Don't Pay Finder's Fees Don't pay a fee for someone to locate your unclaimed property.

    Tracers are professionals who make a living finding the owners of unclaimed property. They then contact the owners, and offer to help them locate their unclaimed property for a fee.

    All you get for the fee is the name and address of the state unclaimed property office that has your property. If a tracer tells you there's money waiting for you, you can call the state yourself and get the money without having to pay anybody anything. States return abandoned property for free.

    If the tracer is unwilling to tell you which state has the unclaimed property, try calling or writing each of the states listed below. Start first with the states in which you've lived, and the states in which your deceased relatives lived. Also try the state in which the tracer is located, since many tracers specialize in tracing their home state's unclaimed property listings.

    Once you know that there is unclaimed property waiting for you in some state's coffers, it is very easy to file a claim. If all else fails, sending a postcard to each of the state unclaimed property offices will cost you less than most finder fees.

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    The Securities and Exchange Commission SEC says that old stock and bond certificates may still have value, even if the company has changed names or merged with another company.

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    They recommend contacting the transfer agent for the stock or bond certificate. Usually, the transfer agent's name will be printed on the certificate. If the transfer agent no longer exists, try contacting the state agency that handles corporations in the company's state of incorporation; usually this is the department of state. Your broker may also be able to help you. You might also be able to sell the stock certificate on eBay as a collector's item. The Social Security Administration also keeps records about people who qualify for certain pension benefits.

    When you apply for Social Security benefits, they automatically check your name and Social Security Number against the pension records database and will inform you if there are any matches. It works to ensure that retirees get the money that is owed to them.

    The EBSI web site includes an Abandoned Plan Search tool that can be used to find retirement plans that are terminated or in the process of being terminated. If you forgot about a bank account, try calling your state banking commission. They can help you track down the current location of your bank accounts and reunite you with your funds. The search tool is very sensitive to how you spelled your name in the account title, so try your name in several variations i. If you have an unclaimed income tax refund, contact the IRS for information on how to obtain the refund.

    There are two types of unclaimed income tax refunds: Never filed an income tax return. If you did not file a federal income tax return but are due a refund, you must file a federal income tax return to claim the refund. Federal income tax returns must be filed within three years to claim any refunds owing to you. Filed an income tax return. You will need to provide your Social Security number and the amount of the refund you are expecting. You can also call the IRS at If you know that a Federal agency has money belonging to you, but need the phone number for the agency, try calling the Federal Information Center at or visiting USA.

    They can direct you to the appropriate Federal office. Unclaimed State Income Tax Refunds The following is a list of links to state web sites for checking on the status of your state income tax refund. States that do not have a state income tax are not listed. You should cash them in at that time. It helps if you kept a record of the bond serial number, issue date, registration, and the social security number of the bond owner.

    But the Bureau of Public Debt may be able to trace the bonds even without the serial numbers. For more information, use Treasury Hunt or send email to savbonds bpd. Life Insurance Company Demutualization Several of the nation's largest life insurance companies started as mutual life insurance companies, which are owned by the policyholders.

    When these companies converted to publicly traded firms through a process called demutualization, shares of stock were issued to the policyholders in exchange for their ownership interest.

    If the current address of the policyholder was unknown, the shares of stock and any dividends are held in trust. Millions of policyholders and their heirs may be entitled to these funds. The largest life insurance companies that have demutualized include the following firms:
    Since the rise of online dating over the past decade, many dating websites have come and gone.

    A common complaint shared by seasoned online daters who have tried various dating sites is that, rarely do the multitude of matchmaking services live up to their claims.

    For a monthly fee, dating sites claim they'll do the math for you and spit out your soul mate in return. Some websites gather data about you and crunch the numbers with all kinds of mathematical formulas and algorithms in order to fill up your inbox with compatible matches. A recent report issued by the New York Times weighs in explaining why numbers and formulas are unlikely to help forge the perfect couple.

    Hang on a minute, wasn't online dating designed to reduce the complexities of finding a partner in the first place? Technology and competition for this lucrative market has made a mockery of it. To the average person, thanks to bad press and other contributing factors, online dating has become somewhat of an un-trusted source for meeting people.

    So why are we different here at Free Dating America? The simple truth is that, people like to explore the pool of singles by sifting through simple location based searches and not relying on an algorithm and a bunch of gimmicks, not to mention a cash grab, in order to find someone they like the look of.

    And besides, it's fun! And that's what you'll get once you partner with us to help find your new friend or lover - simple, powerful and instant results based on a few basic steps that will deliver you the choice to pick and choose as you please. Another bone of contention hindering the online dating reputation is the fraud and scam element that exists today, which is fuelled by desperate gangs of online crooks who strategically and calculatingly disguise themselves as worthy adversaries.

    At Free Dating America, it's our number 1 priority not to let these scumbags on our website! Each and every profile is thoroughly examined before being approved. Our system is clever in detecting bogus dating profiles, and as a back up measure members can easily report suspicious messages to our team of in-house moderators.

    After you sign up, to help keep you in the loop we update you each month with new members from your area - so make sure you check them out and drop them a line! We'll also send you pieces of information once in a while such as tips and hints for better dating, or advice on how to use the features on our dating website. Of course you'll have the option to opt out of these announcements. Please feel free to send us any feedback or suggestions you may have regarding your experiences at Free Dating America.

    3 thoughts on “Top 20 Phone Dating Chatlines and Party Lines Free Trials

    1. Normally I feel Wesley does too much talking but this time he was coaching that young ass. This is some of his best shit.

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