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FAQ

Why would a bank mail me an SSA-89 form to fill out for a new checking account after it's already been opened with money that's already been deposited (and even though I'm already an existing customer)?
Why would a bank mail me an SSA-89 form to fill out for a new checking account after it's already been opened with money that's already been deposited (and even though I'm already an existing customer)?Banks have rules regarding “knowing their customers” that they must comply with or face penalties. In all likelihood the SSN on your account was flagged for some reason or another. Maybe it was mistyped, or maybe you’re using a fake SSN. Either way, the bank is going to want to see documentation of your SSN or they’ll have to restrict or close the account.You should get ahold of the bank to avoid any hassles with the funds that are in there or any transactions your had set up.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms (https://www.quora.com/about/tos) as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.
How can I get more people to fill out my survey?
Make it compellingQuickly and clearly make these points:Who you are and why you are doing thisHow long it takesWhats in it for me -- why should someone help you by completing the surveyExample: "Please spend 3 minutes helping me make it easier to learn Mathematics. Answer 8 short questions for my eternal gratitude and (optional) credit on my research findings. Thank you SO MUCH for helping."Make it convenientKeep it shortShow up at the right place and time -- when people have the time and inclination to help. For example, when students are planning their schedules. Reward participationOffer gift cards, eBooks, study tips, or some other incentive for helping.Test and refineTest out different offers and even different question wording and ordering to learn which has the best response rate, then send more invitations to the offer with the highest response rate.Reward referralsIf offering a reward, increase it for referrals. Include a custom invite link that tracks referrals.
How do you find out if a company is open to using a staffing agency to fill positions?
Get an introduction to the target company through a referral if possible.  A lot of the companies that retain us even talk explicitly about "no agency referrals" on their website.  There are times that going in through HR or their staffing org can be to your benefit but more often that not it helps to have a referral with a "VP" in their title to get you that introduction.  You might still be a long way from getting a fee agreement signed (retained or contingent) but you'll be a lot close than being one of the hundreds of agency recruiters leaving voicemails for the VP HR or Staffing Manager.
Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?
Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
How do I prove that social security overpayment was not my fault?
Question: How do I prove that social security overpayment was not my fault?Winning a Social Security Overpayment CaseSocial Security overpayment cases are very tough to win, but certainly not impossible. If you can prove that you are without fault and that you need all your income including Social Security benefits for the most basic of expenses as we’ll discuss below, or that you relied to your detriment (20 C.F.R. § 404.509) on the benefits continuing, you could be allowed to keep the overpayment and not be required to pay it back. Personally, I enjoyed my rather large underpayment much better than the prospect of fighting an overpayment.Discovery of OverpaymentThere are several reasons an overpayment might occur. Sometimes overpayments are the fault of the Social Security Administration (SSA), other times they are the fault of the Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) recipient which is due to:you went back to work and did not tell SSA, and the agency continues to send you monthly payments, that can cause an overpayment (check out--work trial period).your medical condition has improved making you no longer disabled, but you don't report it, SSA may want to take back payments for the months you were no longer disabled.you are receiving SSI and you had changes in your income or resources and did not report those changes, the agency might be sending you more money than you are entitled resulting in overpayment.It is always a good idea to monitor your deposits and be vigilant about reporting issues, that way you can prevent negative results caused by overpayments when it is discovered and you have to pay it back. Make sure that funds and increases you receive are correct so you don't suffer having to repay that amount later on after you've spent the money.It is best to immediately report an overpayment than having to live without some benefits at a later date. If you notice a potential problem, do not keep it secret or think you miraculously won the Social Security lottery if an explanation does not accompany an increase because SSA will recognize an overpayment sooner or later.You are Allowed to Disagree with SSAIf you receive a notice that you have been overpaid and you disagree with the amount of overpayment you can file an appeal. Your appeal must explain why you believe you were not overpaid or the amount is wrong.If you receive an overpayment notice and believe that, although the overpayment notice was accurate, you should not have to pay the money back to the SSA, you may file a waiver. Your waiver must prove that the overpayment was not your fault and that paying back the overpayment would cause financial hardship or is otherwise unfair.If you file an appeal or waiver, no money will be taken out of your monthly Social Security benefits or money collected for repayment of overpayment until the SSA decides whether the appeal or waiver will be granted.If you think that you were not actually overpaid, or that the overpayment amount is wrong, you need to fill out Request for Reconsideration (form SSA-561-U2). You need to file this request for reconsideration within 60 days of receiving your original overpayment notice and if you fail to do that make sure you have a good reason so you can still file late.Regulations regarding overpayments state:Sections 204(b) and 1870(c) of the Act provide that there shall be no adjustment or recovery in any case where an incorrect payment has been made with respect to an individual if the following circumstances are present.You are without fault, andAdjustment or recovery would either:Defeat the purpose of title II of the Act, orBe against equity and good conscience. 20 C.F.R. § 404.506.You Must be Without FaultIf you knew, or should have known that you were not entitled to receive Social Security benefits, you may have a hard time proving that you were not at fault. SSA expects that recipients monitor their payments. Regulations say that it does not matter that Social Security may have made a mistake and that you met with them and showed them your evidence and they still sent you a check, (§ 404.506 and 42 CFR 405.355).An individual will not be “without fault” if the Administration has evidence in its possession which shows lack of good faith or failure to exercise a high degree of care in determining whether circumstances which may cause deductions from his benefits should be brought to the attention of the Administration by an immediate report or refusal of the check.The “without fault” finding depends on all of the circumstances in the particular case, an individual will be found to have been at fault in connection with an overpayment when an incorrect payment resulted from one of the following:Failure to furnish information which the individual knew or should have known was material,An incorrect statement made by the individual which he knew or should have known was incorrect (this includes the individual's furnishing his opinion or conclusion when he was asked for facts), orThe individual did not return a payment which he knew or could have been expected to know was incorrect.If you do manage to prove that you are without fault, you still need to prove that repaying an overpayment would be harmful for you under the following criteria.Defeat the Purpose of the ActIf you are successful in proving that you are without fault then repayment can be argued that repayment would defeat the purpose of the act (20 C.F.R. § 404.508).Repayment would deprive you of income required for ordinary and necessary expenses including:Fixed living expenses, such as food and clothing, rent, mortgage payments, utilities, maintenance, insurance (life, accident, and health insurance, taxes, installment payments),Medical, hospitalization, and other similar expenses,Expenses for the support of others for whom the individual is legally responsible, andOther miscellaneous expenses which may reasonably be considered as part of the individual’s standard of living.Social Security does not list cell phone, cable, internet, eating out or going to movies as “ordinary and necessary living expenses.”Against Equity or Good ConscienceRecovery of an overpayment is against equity and good conscience (under title II and title XVIII) if an individual -Changed his or her position for the worserelinquished a valuable right,because of reliance upon a notice that a payment would be made or because of the overpayment itself, orWas living in a separate household from the overpaid person at the time of the overpayment and did not receive the overpayment.The individual's financial circumstances are not material to a finding of against equity and good conscience.Staying on top of your details and being honest with what you’ve reported to Social Security will help you avoid problems in the future. If you are retiring you have worked your entire life and deserve to relax and enjoy your life, not having to fight SSA. As I’ve stated before, there is no Social Security lottery that will send you funds out of the blue, report all income correctly, and question unexplained increases before spending those extra funds tucked into your check.Code of Federal RegulationsDefeat the purpose of Title II.
Musicians: How many songs do you think you'd need to perform to fill out a two-hour gig?
A two-hour gig? That's 120 minutes of on stage performance or setup inclusion? I'll go with stage time, and also assume you've negotiated appropriate setup, and such.Another assumption is genre. I'll assume it's pop structured (as most radio friendly music is these days), so average song time would be roughly 3 and a half minutes…give or take.You're looking at roughly 30 songs. Thats…over 2 hours. Now, that's a rough estimate, as song times vary, etc.Oh, but wait. You'll need to include breaks, for “personnel” i.e. the band members. Normally, the drummer will need the longest break, followed by others. The drummer is using all four limbs continuously, so…they need them.If you're headlining, and depending on what you've negotiated, you might not be allotted “dead air”, so someone's staying on stage on breaks. Usually, that means at least a guitar player and/or the singer. Maybe not a long guitar solo, but…maybe an acoustic filler/singalong for the crowd. Plus, in between banter, there's that too (paring that down was always a plus for us back in the day)So, practice 30ish and get them flawless, because you're only going to need 20ish. Why 30ish? Because…more is good for flexibility. Always. Plus, it allows you to keep your set list semi-”fresh”, while only putting in a little extra work.setlist.fm - the setlist wiki is a good resource for structuring a setlist in a professional way (I wish it was around during the “trial and error” days.)