Fax Service



             


Tuesday, February 24, 2009

Faxless Payday Loan


Do you know what makes payday loans different from all other forms of loans?

It's the fact that payday loan companies do not attach any importance on your credit history. So whether you have a high or low credit score from any or all of the primary credit bureaus - it doesn't matter one whit. Surprised? You may be surprised even more with what you'll find out about faxless payday loans when you read the rest of the article.

How To Qualify For A Payday Loan As mentioned, unlike other forms or types of loans, you do not need to sweat about your credit ratings and wait if the proverbial axe is truly going to fall and smash all your financial hopes into pieces. Still, there are at least two requirements that you must satisfy in order to qualify for a faxless payday loan. The first concerns your employment status. You must be working for your present company for at least three months long. Secondly, you must possess a bank account. If you don't have one then you simply can't qualify for a payday loan because these companies prefer to transfer money electronically and eradicate the hassles of having to deliver the money in person.

The Maximum Amount of Your Loan You just may be surprised with the amount of money faxless payday loan companies are willing to lend you. The maximum amount of your loan actually depends on just how much you earn every month. You will be asked to state your income - you may also include supplementary sources if you want to - in the application form and this will then be double checked with your employer so please don't think of increasing the amount of your compensation as it will only lead to unpleasantness.

The Convenience of Transacting With Payday Loans No Fax! - This is one of the things that most payday loan companies would boast. And generally speaking, it is true because all you need to do is answer their application form and that's it. Although you're exempted from the need to fax any document that doesn't mean that no one would be sending fax in this transaction. If you opt for a no-fax method, the payday loan company will simply contact your bank and have the latter fax them your bank statement account. They shall also contact your employer to fax them a copy of your pay stub. If for any reason, you prefer to keep your loan application a secret, you might reconsider the faxless payday loan method.

Mr. Peter Garant is a long time contributer of financial articles, Most of his work is Faxless Payday Loan and Credit Repair Kit Articles. Peter Garant has been working in the financial sector in the last 12 years and has vast experience in his field. Visit his sites to see more articles from this author.

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Monday, February 23, 2009

How To Stop Junk Faxes From Wasting Your Paper and Toner

How To Stop Junk Faxes From Wasting Your Paper and Toner

 by: Barry Waxler

Junk faxes waste the resources of every business. It is estimated that they cost businesses tens of millions of dollars a year in wasted paper, toner and fax machine maintenance. There is nothing more aggravating then coming into the office each morning to find a pile of junk faxes promotion everything from mortgage refinancing to septic tank solutions. I dont even have a septic tank!

Junk fax companies have been fined by the federal government and sued repeatedly, but has anyone noticed a reduction in the number of junk faxes? I certainly havent. The question for most businesses is whether there is a practical way to beat the daily waste of resources caused by junk faxes? Many businesses are using the fax-to-email solution provided through online unified messaging systems.

What is Unified Messaging?

Unified Messaging is a highly flexible communication system that ties all of your communications together. It has the capacity to centralize your voice mail, faxes and email messages in one online area through an email address and single phone number. These systems use their own phone lines and provide you with a separate number, so you dont have to tie up your own or have an additional line installed.

Fax to Email Conversion

One of the best aspects of Unified Messaging systems is the fax-to-email conversion feature. You are provided with a phone number where people can send you faxes and leave voice mail messages. The beauty of the system is that the faxes are then automatically converted to text files and emailed to an inbox.

So, how does this save you money? You simply delete the junk faxes unless, of course, you need to maximize the potential of your septic tank. You then read or print out the faxes that are germane to your business. No wasted paper, no wasted toner and no smoke coming out of your fax machine!

An added advantage of the fax-to-email conversion element of unified messaging is the flexibility it gives you. Since the faxes are available to you online, you can print the ones you need at any location. You no longer have the frustrating situation where you are working at home, but need to see a fax that was just sent to your office. You just access your inbox and print it out.

The cost of using unified messaging is very low, particularly when compared to the cost of wasted paper, toner and fax machine maintenance. Depending on the service you use, you may be charged a monthly signup fee, by the minute for phone line usage or both. The best option for your business is entirely dependent upon the number of faxes you expect to receive each month.

Despite the lawsuits and fines issued by government agencies, there is little doubt that junk faxes will continue to bombard your fax machines. Unified messaging provides an inexpensive and practical way to eliminate the cost of junk faxes.

Barry Waxler is the President of 3in1box.com - your unified messaging solution. Visit http://www.3in1box.com to get your FREE unified messaging box or contact Barry at BarryWaxler@3in1box.com

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Wednesday, February 18, 2009

Fake IRS Demand to Fax Personal Data Using Phony Form

Fake IRS Demand to Fax Personal Data Using Phony Form

 by: Identity Theft 911

A new identity theft scam uses fake IRS correspondence and a doctored IRS form to con personal and financial information out of non-resident aliens with U.S.-based income. The fraudulently obtained information is then used to steal the taxpayer's identity and financial assets.

Fake IRS form

Targets of this scam are sent a phony IRS Form W-8BEN ("Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding") which has been altered by the scammers to solicit detailed personal and financial information. The information sought typically includes:

Date of birth


Social Security number


Passport number


Bank name


Account number, type, and date opened


Email address


Profession


Daytime phone number


How often the recipient visits the U.S.


Information on the recipient's spouse, children, and parents

Fake IRS letter

The bogus IRS form is accompanied by correspondence, purportedly from the IRS, that is aimed at non-resident aliens who have U.S.-based income derived from investments in U.S. property, such as securities or bonds. The fake correspondence claims that the recipient will be taxed at the maximum rate unless the form is filled out with the requested personal and financial data, then faxed to a specified fax number.

About 2.5 million non-resident aliens receive U.S.-based income, according to the IRS.

The scam, which has been reported in South America, Europe, and the Caribbean, exploits public anxiety about dealings with the IRS and unfamiliarity with the arcane details of U.S. tax laws and procedures. "This is an international variation of an old scheme where scam artists try to get valuable information by pretending to be from the IRS," said IRS Commissioner Mark W. Everson. "Taxpayers should be wary of strangers trying to obtain sensitive personal information, whether it's in person, over the phone, through the mail, or over the Internet."

Facts worth noting

IRS representatives call taxpayers' attention to the following pertinent facts:

The IRS does not allow forms to be faxed.

The IRS does not request personal information from non-resident aliens on the W-8BEN.

A genuine Form W-8BEN would sent by the recipient's financial institution, not by the IRS.

The rate at which a non-resident alien pays tax to the IRS depends on the terms of the tax treaty between the U.S. and that individual's country.

Note that while there is a legitimate IRS Form W-8BEN, it does not ask for any of the personal information listed above except, in certain cases, a Social Security number or IRS-generated Taxpayer Identification Number. The non-resident alien's financial institution (whether a bank, a brokerage firm, an insurance company, or some other organization) acts as the non-resident alien's withholding agent for any income from a U.S. source that is subject to U.S. income tax. The W-8BEN is used by the financial institution to determine whether or not the customer is exempt and, if not, the appropriate amount to withhold.

Reporting this scam

The Treasury Inspector General for Tax Administration (TIGTA) investigates identity theft related to tax administration. Non-resident aliens who have received a fraudulent letter and form should report this to TIGTA in one of the following ways:

Call the toll-free fraud referral hotline at 1-800-366-4484;

Fax a complaint to 202-927-7018; or

Write to the TIGTA Hotline, P.O. Box 589, Ben Franklin Station, Washington, D.C. 20044-0589.

Recipients of this scam should not under any circumstances provide personal or financial information or follow any other instruction given in the fraudulent letter and form.

All Rights Reserved


http://www.identitytheft911.com/education/alerts/alert20040727irs.htm

Identity Theft 911 provides one-on-one counseling, strategies, and resources to targets of identity theft. Combining an intense one-to-one focus with a comprehensive nationwide resource network, the company specializes in helping individual and enterprise clients resolve the financial, legal, and emotional fallout from identity theft and related crimes.
iborissova@identitytheft911.com

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Monday, February 9, 2009

Internet Faxing Service Review

Internet Faxing Service Review

 by: Ellen Farrell

The Internet is reshaping every form of communications medium, and faxing is no exception. The latest twist: Internet faxing services that let you send messages to any fax machine from any Web browser or email, and others that give you a "personal fax phone number," then forward any documents sent there to your e-mail inbox.

The Fax Machine - Workhorse in the '80s and '90s.

It enabled you to send a document to anyone, anywhere, at any time, and know that it was received instantly. It was a godsend in the 1980s and everyone had to have one. But it has become an expensive bit of machinery that will cost you money every time you use it. Smart organizations are now reducing or eliminating the fax machines they use in favor of electronic services. The fax machine costs you in paper, toner, phone bills and repairs. It is like a taxi-meter in that regard, and the bill keeps growing and growing. Currently most of the documents that you fax are created on a computer. If you fax them through a fax machine, you must print out the documents, manually create a cover page, and you must go to the fax machine to send the documents. Every time you receive a fax, you must retrieve it from the community fax machine, rather than having it delivered directly to your PC workstation like any other document. Many people still use fax machines today. The alternative is to use fax services from companies that provide Internet fax services.

Fax Machine Costs

The fax machine is considered a simple tool by many, which is probably why they haven't replaced it yet. Anybody can stick a document into the auto feeder, dial a phone number, and send the document at 14.4 or 33.6 Kbs. But it costs to send a fax.

Among the actions employees must take to fax a document, labor is the greatest hidden operating cost. Labor is a key factor because your staff is more expensive than phone calls, and it makes the biggest difference in fax costs. Most businesses neglect to factor in the costs of actions such as employees walking to the machine, waiting to use it, the faxing process and the employee's return trip to their desk. All of this takes time. And in the world of hidden fax operating costs-you guessed it-time is money. Also, keep in mind that it isn't unusual to find executives with six-figure salaries performing some of the same fax-related tasks as clerical workers. When that happens, those labor costs can be as astronomical as some of those six-figure salaries. Costs also incurred are lease and maintenance charges for fax machines as well as sending charges for making fax phone calls. These depend on the rates you pay and the speed at which your fax machine and the machines you send to can distribute faxes.

How Internet Faxing Works

Ever heard of eFax? You sign up for a fax number. When people send you faxes, they're auto-forwarded to your e-mail Inbox, where you can read them, trash them if they're junk, or print them out only if necessary. Not only do you save paper and ink, but you don't need a fax machine or a second phone line-and you get your faxes wherever you happen to be in the country.

Together, in principle, these Internet fax services offer all the advantages of fax -- a universal system for quick and convenient distribution of anything you can put on paper -- without making you spend your money on a fax machine, fax supplies or fax phone fees.

In the business world, any time that you can save money, your customers will ultimately save money too. That is why Internet faxing is a good idea. Internet faxing is the practice of using your email (or a website) to send and receive faxes. The speed and efficiency of email, coupled with the lower costs of sending broadcast faxes via email is more desirable than making lots of phone calls.

Sending and Receiving faxes over the Internet with your regular fax machines sounds cool, but so far, today's standard fax machines do not yet know how to speak Internet - you can't use them over the Internet. Some of the newer models will have this capability, but it will take time to gain worldwide acceptance. In the meantime, there are a number of services that bridge the gap between traditional faxes and the new world of Internet-based communications.

A number of companies, such as eFax, Faxaway, Internet Fax Provider and MaxEmail, allow you to send or receive faxes over the Internet. These services are either free or charge a monthly fee.

However, many of these services are limited in what they can do:

  • Require people to dial a long distance number to send you a fax [eFax, MaxEmail]

  • Attach their own advertising to your outgoing faxes to cover their cost [eFax]

  • Don't offer fax numbers in all local area codes [eFax, MaxEmail]

  • Don't work for handwritten faxes (unless they are scanned in) [all]

Still, Internet faxing provides many advantages. Convenience and better resolution are the two main pluses. They allow you to send and receive your faxes entirely with your email service - the best thing to happen to the business world in the last 10 years. You can send and receive faxes anywhere you can access your existing email account: from your home, office, client's office, hotel, airport or cottage. Or even better, a web-based interface that keeps track of everything you've done with your faxing business and allow you to do cheap and efficient broadcast faxing.

Some of the advantages of Internet faxing:

  • To send a fax, simply send an email. It will automatically be converted to a fax and delivered immediately

  • To receive a fax, simply check your email. All faxes sent to your fax number will be forwarded to your email

  • Web fax - For people who need to fax their information to thousands instantly. Send thousands of faxes in minutes from our website - Broadcasting.

  • Avoid tying up your computer or telephone lines

  • No software to download or hardware to buy

  • Easily distribute press releases, product and pricing information, newsletters

  • Sending to International phone numbers is cheap - the charge is based on the destination country

  • Easy and convenient - faxes are sent and received over the Internet from the office, at home or on the road. Your Internet "Fax Machine" is available 24x7 and is never busy.

  • Toll-Free is cost effective - some virtual fax numbers are toll free so that no matter where your customers are, they will not pay any additional long distance charges and your North American clients and contacts can reach you free of charge.

  • Privacy - You are the only person to see your faxes, giving them the same privacy as your email.

  • Portable - You can receive your faxes at multiple email addresses simultaneously and you can send and receive faxes while traveling.

  • Receive faxes directly in e-mail - Faxes are receivable and retrievable anytime, anywhere. Faxes are not misplaced and privacy is ensured.

  • Send faxes directly from e-mail. - Eliminate manual faxing. Faxing is integrated into workflow and faxes are delivered faster and at less cost.

  • Immediate Implementation - No unique client/server or software is necessary, only standard e-mail capability. Minimal to no user training.

  • Unlimited scalability - Support as many users as required without purchasing additional fax machines.

  • Combine multiple document types into one fax - Fax multiple documents as easily as sending an e-mail.

  • Account code tracking - Budget and cost management is simplified.

  • Automatic retries for busy or incomplete deliveries - Eliminates need to continually check progress of a fax.

  • E-mail notification of incoming faxes - Users know immediately when a fax has arrived.

  • Delivery confirmation via e-mail - Users always know when their faxes have been delivered.

Quick Summary of the 4 big services

  • Efax - (http://www.efax.com/) Undisputed leader in the field of Internet faxing. Offers free version. Free version doesn't provide you with a local number. Regular service is expensive. Offers many other products - remote control of computer, etc. Requires proprietary fax viewer software to view faxes. The most local area code numbers available in the US.

  • Fax-away - (http://www.faxaway.com/) Competitive regular service. Web faxing not supported. Many customizable features and options for sending. The personal fax number they assign you is not local - they are all in some location where the area code is not local to you - just like the free eFax service - not too useful for your customers.

  • Internet Fax Provider - (http://www.internetfaxprovider.com/) Offers toll-free numbers which can be used anywhere in the US with the first 50 faxes per month included in the monthly rate - very convenient for the people sending faxes to you - they will not pay any additional long distance charges. Best rate for broadcast faxing. Many customizable features and options for sending. Comprehensive Web faxing features.

  • MaxEmail - (http://www.maxemail.com/) Offers local numbers in the US. However, you will find that only the major cities are covered. No web faxing available. Good receiving plans.

These fax services use the Internet to mimic real fax machines - that is, they deliver your fax to a recipient's fax machine, anywhere in the world, just as if you had dialed it yourself. Most of these services charge anywhere from 10 cents to 20 cents a page. That's more than you'll pay to send a fax across town, but it's much less than you would pay to dial an overseas phone number, even for a short fax.

Most major e-fax vendors offer additional features, including broadcast faxes, the ability to route incoming faxes to you as email attachments and monthly billing.

On the sending side: Most Internet faxing vendors allow you to send faxes by attaching files to an email. When the Internet Fax server gets the email, the emails get converted into a fax coversheet with the recipient's fax number pulled from the "To:" address. The attached files then get converted to TIFF or PDF files for easy viewing by the recipient. The service will then deliver the converted fax to the recipient's standard fax number.

On the receiving side: Most Internet fax vendors will provide you with a phone number that you can then give to your customers. This number can be a local number (if you are located in or near a major US city) or a toll free number (available everywhere.) People will send you faxes to that number in the standard way. The service will then convert the fax to a PDF or TIFF image (or in the case of eFax, a custom image for viewing w/ their software) and send to your email as an attachment. You can then view the fax with any standard Windows Image viewer.

In the future as more fax machines include built-in Internet connectivity, faxing might give email a run for its money as a cheap, convenient way to send documents. Until that time, however, e-fax services will provide the best alternative to picking up the phone and sending faxes the old-fashioned way.

Conclusion

In summary, after reviewing all of the major Internet faxing service vendors, I have found the best service to be the one provided by Internet Fax Provider (IFP). IFP has the best rate plans and offers toll-free numbers that include 50 free faxes per month. I don't go over 30 faxes per month, so it certainly makes sense for me - because with the toll free number provided, my customers don't have to pay long distance charges when they send me a fax. IFP also has the best broadcast sending rates and regular sending plan with the most features. And it was the simplest to use (you don't have to use all the available options.)

For free Internet faxing, I found that eFax offers the best plan. But of course, it puts limitations on the service and you don't get a local fax number. Also, if you live in a big city and you would like a local fax number, then eFax is the best solution. That is if most of your customers are local, because if not, they will pay toll charges when sending you a fax.

Internet Faxing Services Reviewed

The following services provide some type of Internet Faxing:

CallWave


http://www.callwave.com


Installable software helps consumers and businesses get more out of their wireless phone, home phone, and Internet-connected PC by 'bridging' calls between these devices.


More of a cell phone solutions provider - requires custom software.

Data On Call


http://www.dataoncall.com


The company offers a comprehensive suite of fax services including electronic faxing (inbound and outbound), web/fax integrations, developer APIs, fax broadcasting, fax on demand, and custom applications.


Only offer 858 area code and toll free. Expensive. Broadcasting at 8cents/min.

Digital Mail


http://www.digitalmail.com/


E-mail to fax and fax to e-mail services. Users receive a unique phone number, accepting voice mail and faxes.


Difficult to understand, No price structure setup

EasyLink


http://www.easylink.com


Small Business Integrated Desktop Messaging - E-mail to fax, fax to email and desktop faxing. The service was previously named FaxSav.


Large corporate solutions - not meant for small businesses or individual users.

eFax


http://www.efax.com


Send faxes, Receive faxes, anywhere you can get email.


They have a free service with limitations. Standard service is expensive.

FaxMate


http://www.faxmate.com


E-mail to fax, desktop to fax, broadcast fax, and fax to fax via the Internet. Its U800 service allows users a personal toll-free number, which automatically forwards faxes and voice mail to e-mail.


International send rates are standard. $30/mnth, $0.15/min

Faxaway


http://www.faxaway.com


Internet fax & unified messaging service. Faxaway gives customers faxing tools at their desktop.


No local numbers available. Competitive rates and many features and options.

FreeFax


http://www.freefax.com


Send via web, receive as email


Ad supported. Only web-based interface available.

IntelliFax.com


http://www.intellifax.com


Allows you to send and receive Internet faxes. Provides middleware for other Internet fax vendors.


Limited local numbers available. Good send rates. Limited features and options.

Internet Fax Provider


http://www.internetfaxprovider.com


Email-to-Fax, Fax-to-Email, Broadcast faxing. Best Internet faxing solutions and rates available in the US. Simple to use with powerful options.


Offers toll free numbers with 50 free incoming faxes included.


Best rates for broadcasting service. Web-based interface included.

Interpage


http://www.interpage.net/sub-faxing.html


Offers a variety of Internet and Telecommunications-based services - including E-Mail Paging, Web and E-Mail Fax Services, Remote Site Monitoring & Internet Voicemail. Focus is not on faxing services. Competitive rates - meant for large corporations.

MaxEmail


http://www.maxemail.com/


Allows you to send and receive faxes via the Web or e-mail and includes voicemail. You can receive notification of incoming faxes and voice messages directly to your digital phone.


Expensive service. Offers local fax numbers, but not as many as eFax and not as convenient as a toll-free number with free service.

Our Fax


http://www.ourfax.com


OURFAX, is the world's first, easy to use, ad supported 100% FREE service, that allows any email user in the world, to send faxes directly from their email address, to almost any fax machine in the world.


Free - Ad supported, Amateur website

SuperFax


http://www.superfax.com


Super Fax is a small internet fax device that replaces your fax machines, receive your faxes, and emails them to you, on your email address.


$495US per unit. Still need a fax line

ZipFax


http://www.zipteam.com/zipfax/


ZIPFAX.com will allow you to send from your desktop e-mail to fax machines. It offers text only with no attachments.


You must prepay for online postage with a minimum opening balance of $9.99. Rates are 14 cents per page for most US states.

Ellen Farrell - former telecommunications specialist in Telecom. Have reviewed many telecomunications products for large and small business. Worked with large Telecom service providers in marketing and development. Currently review technology for business development in Northeastern US.
farrell@faxwize.com

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