What You Should Know If You Are Getting Married

Getting married? The arrival of summer is also the start of the wedding season. Marriage changes many things!  Our research shows there are a few things you should know about tax and legal considerations as you are getting ready to tie the knot!

Taxes

The IRS provides a tax checklist for newly married couples:
Name and address changes
  • Name. When a name changes through marriage, it is important to report that change to the Social Security Administration. The name on a person's tax return must match what is on file at the SSA. If it doesn't, it could delay any tax refund. To update information, taxpayers should file Form SS-5, Application for a Social Security Card. It is available on SSA.gov, by calling 800-772-1213 or at a local SSA office.
  • Address. If marriage means a change of address, the IRS and U.S. Postal Service need to know. To do that, people should send the IRS Form 8822, Change of Address. Taxpayers should also notify the postal service to forward their mail by going online at USPS.com or their local post office.
Withholding

Filing status

  • Married people can choose to file their federal income taxes jointly or separately each year. While filing jointly is usually more beneficial, it's best to figure the tax both ways to find out which works best. Remember, if a couple is married as of December 31, the law says they're married for the whole year for tax purposes.
  • When you get married, your tax filing status changes for the whole year. Before you file, take the time to learn the different filing statuses and which one is best for you: go.usa.gov/xdpXb

Legal Issues

The writers at Findlaw suggest that it is also always important to check the marriage requirements in your state and/or to speak with a family law attorney because each state is different when it comes to marriage-related issues such as the legal requirements for marriage and the specifics of pre-marital agreements.  How many couples do not think of this as they make marriage arrangements?

Legal Marriage Requirements

Each state has its own requirements for couples wanting to get married, including marriage licenses, blood tests, residency requirements, among others. Make sure you and your future spouse have fulfilled all marriage requirements in your state prior to the big day.

Marriage Ceremonies

Most states have legal requirements pertaining to the marriage ceremony itself, including who may perform the marriage ceremony (i.e. a justice of the peace or a minister) and whether witnesses to the ceremony are required.

Prenuptial Agreements

A prenuptial (or “pre-marital”) agreement can help define the property and financial rights and obligations of marrying spouses, including what will happen if the marriage relationship ends. If you're considering entering into a pre-marital agreement, law experts say you should be aware of legal requirements that must be met in order for the agreement to be considered valid and enforceable.  More information on prenuptial agreements can be found here.

Changing Your Name After Marriage

Although neither spouse is legally required to take the other spouse's last name after marriage, many new spouses choose to change their name for traditional and symbolic reasons. There are a number of steps you can take to make a name change quickly and effectively.  Here's a list compiled by Findlaw.

Marriage, Money, and Property

When you get married, your property and finances will (to a certain extent) merge with those of your spouse. You should become familiar with what is and is not considered marital or “community” property, and understand how to keep certain assets as separate property if you wish to do so. Other financial issues to keep in mind before you get married include pre-existing debts and tax considerations.

Related FindLaw Resources

Visit the Findlaw links below for specific information on the following marriage-related topics:

 

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

DNA Strand

What You Should Know Before You Submit Your DNA to Anyone

What You Should Know Before You Submit Your DNA to Anyone

 

Before you submit your DNA to anyone, we suggest you consider the following.

Forensic science has advanced human knowledge and provided definite benefits in a number of fields. Two commercial DNA analysis companies are using their customers’ genomes to study how genetics determine the severity of COVID-19 symptoms patients experience. The nightly news and plenty of television cop dramas remind us of the importance of DNA in crime scene investigation.

Sophisticated genetic analysis was largely responsible for the capture and conviction of the Golden State Killer. Putting a man who committed as many as a dozen murders and 50 rapes no doubt is a happy ending. But the case also raised serious privacy implications that could give genealogists and family tree-tracers pause. If you’re not careful, trying to trace your ethnic composition, trying to find out about potential allergies and susceptibility to certain diseases, or learn if you’re related to Abraham Lincoln or George Clooney could expose you and your family to unwanted scrutiny, suspicion, and harassment.

Genetic Breadcrumbs

Submitting DNA samples to popular sites like 23andMe, Ancestry.com, MyHeritage, and FamilyTreeDNA – which, combined, warehouse the chromosomal codes of more than 30 million people – is anything but secure. Compounding matters, uploading your DNA also uploads partial sequences of people related to you. Posting your genome to a commercial database provides a direct link to your parents and siblings and a scent that bloodhounds can follow to more distant relatives.

“So, you aren’t just putting your own DNA out there, possibly to be used in police investigations. You’re putting theirs out there too, without necessarily having their consent”, Debbie Kennett, an honorary research associate in the Department of Genetics at University College of London, told The Independent.

That’s how police apprehended the Golden State Killer. Investigators uploaded DNA fragments from the serial killer’s crime scenes to a website that aggregates results from the commercial testing services. The site compared them to millions of voluntarily submitted samples and led police to several people who shared some of those DNA sequences because they are somehow related to the suspect. Those results led them to other relatives and greater DNA similarities until they narrowed their search to Joseph James DeAngelo. He was a perfect match, and the cops had their man.

It’s not hard to imagine law enforcement badgering relatives of people they consider suspects to surrender their DNA for comparison.

Other Hazards
Siccing the fuzz on your old Aunt Eloise isn’t the only potential collateral damage commercial DNA testing can incur:

• Scams – There are limits to what DNA can reveal, but some less-than-scrupulous companies may not make that clear. They may make sweeping generalizations about a person’s ideal diet, athletic ability, or other physical attributes. Relying on these dubious claims as the basis for nutrition, exercise regimens, or dating targets is destined to prove foolhardy.

• Identity Theft – Security measures increasingly are using biometrics and genetic traits to prevent identity theft. But crooks are just as quick to find ways around these measures. GEDmatch – the same company that played an unwitting role in the Golden State Killer’s capture – recently reported a “sophisticated attack” exposed the DNA profiles on its servers to police perusal for several hours. The next attack might make give access to the shadowy figures lurking on the dark web.

• Secrets Exposed – Because DNA reveals familial relations, people researching their heritage may accidentally find out their dad is not really their dad. One family man was taken aback when a young woman reached out to him only days after he submitted his DNA for testing. She was his daughter, conceived with sperm he donated more than two decades before. She had tracked him down through a donor profile and her own DNA-matching skills. He has since made contact with nearly 20 more offspring conceived the same way.
Unlike undergoing a DNA test in a hospital or clinic, trusting a consumer testing services forfeits HIPAA protections. “[With] genetic data that’s generated outside of the health care setting, there’s a relatively low baseline of protection, and that’s provided generally by the by the
Federal Trade Commission,” Dr. James Hazel, a postdoctoral fellow at the Center for Genetic Privacy, told the New York Times. “So, the Federal Trade Commission…has the ability to police unfair and deceptive business practices across all industries. Other than that, there are
really no laws in the United States that apply…”

Protect Yourself
While there are no guarantees, you can safeguard your DNA privacy by using only large companies whose names you recognize. Stick with 23andMe, Ancestry.com, and a few other industry leaders.

Also, read the user agreements and opt-out of any services that make you uncomfortable or may yield too many clues to your identity. Some vendors ask permission to use samples for academic studies. They always strip away names and other identifiers, but there’s still the chance for human error.

Some companies offer to store your DNA for retesting if and when technologies advance to the point where a reexamination could lend additional insights. You may prefer your sample to be destroyed after mapping.

Finally, all leading sites offer the option of deleting your information from their databases. See the specific services’ websites for information. Regulations may require the sites to keep some information, but it will not be used or searched after you revoke permission.

Here are some additional stories that have been published after our initial writing of this article:

https://seekinfo.com/DNAStories

Should Police Have Access to Private DNA Databases?

 

The 2020 Census and Your Privacy ~ What You Should Know

The 2020 Census is coming! In exactly one month, households will begin receiving official Census Bureau mail with detailed info on how to respond to the Census online, by phone, or by mail. The online and telephone response options are available starting March 12.

More than 1,000 advertisements designed to reach 99% of U.S. households will advertise the coming of the census in English and 12 other languages over the next couple of months.

You may be surprised to learn that the U.S. Constitution requires the government to count every person living in the country once a decade.

The report compiled using census statistics is called the American Community Survey (ACS). The American Community Survey (ACS) is the premier source for detailed population and housing information about the United States.

How Census Data is Used

Modern census facts and figures are commonly used for research, business marketing, and planning. The changes over time can cause a ripple effect. Info from the census survey gets broken down to a neighborhood-like level.

The census may show that the population is migrating from large cities to the suburbs and smaller cities which will affect consumer preferences.

Homebuilders, police departments, and town and city planners are among the many private- and public-sector decision-makers who count on these annual results to plan services and policies: from building roads,2 deciding where highways are expanded, building power plants to attracting jobs and planning emergency evacuations. These statistics help determine how federal funding is spent on infrastructure and services. As an example, the ACS contains many questions related to housing. These include the age of your home, its plumbing, its insurance costs, and the type of heating fuel used.  

The U.S. Chamber of Commerce, the National Retail Federation, and the Mortgage Bankers Association are just a few of the dozen organizations that have previously lobbied to protect the ACS, saying it's vital for developing business investment.

About 3.5 million households participate in the ACS, with the respondents picked at random and scattered around the country in a way designed to capture the full extent of the diversity. The response rate is 97 percent, so only three of every 100 people contacted refuse to cooperate. Info from the survey gets broken down to a neighborhood-like level.

As a researcher, I and therefore, my clients, have been a beneficiary of the statistics gathered in each Census. I use industry reports quite often to help clients who want to learn about a market into which they may be entering. I have used census statistics to help clients determine where or whether to build schools, plan school bus routes, and prepare school superintendents for the future of their districts.

What to Expect

You probably have already received a letter in the mail. Those who decide not to respond will most likely receive a follow-up phone call from a Census employee. You may also have someone come to your home to interview you.

To increase convenience and save money, the ACS also is available to complete online. You still have the option of a paper questionnaire or phone interview.

In the past, the Census has called people on their cell phones. You may be surprised that the unanswered questionnaire mailed to you will ask about your investment income and utility bills (a Census question since 1940). you may also be disturbed by questions about the location of your children's school and the pattern of your commute to work (an avenue of Census inquiry that started in 1960).

Skipping a Census question

Refusing to answer any census question is against the law and could be costly. The census law (Title 13, United States Code, Section 224), coupled with the Sentencing Reform Act of 1984 (Title 18, Sections 3551, 3559, and 3571), provides for penalties of up to $5,000 for failure to report, and $10,000 for intentionally providing false information, the bureau separately says Census.gov online, citing Section 3571 of Title 18.

Privacy

Although the Census provides useful statistical information about a population, the availability of this information can sometimes lead to abuses, political or otherwise, by the linking of individuals' identities to anonymous census data. This is particularly important when individuals' census responses are made available at detailed levels. Still, even aggregate-level data can result in privacy breaches when dealing with small areas and rare subpopulations.

For instance, when reporting data from a large city, it might be appropriate to give the average income for minority females aged between 30 and 50. However, doing this for a town that only has two minority females in this age group would be a breach of privacy because either of those persons, knowing her income and the reported average, could determine the other woman's pay.

Persons concerned about the privacy of their answers should know that, under federal law, all employees and officials of the Census Bureau are prohibited from sharing a person's personal information with anyone else, including welfare agencies, the Immigration and Customs Enforcement, the Internal Revenue Service, courts, police, and the military. Violation of this law carries penalties of $5,000 in fines and up to five years in prison.

What To Do to Protect your Privacy

There isn't much you can do. This article from NPR reports that for the first time, personal information from federal and state records, such as tax returns and Medicaid applications, as well as public utility records will be used to fill in the blanks on 2020 census forms.

We can see from the recent news that our data is pretty likely to be breached at some point in the future. Considering all of the computers and databases which will be used to compile the census data and all the agencies with connecting networks using the information, it could be just a matter of time..

In a study conducted by two students at the Harvard John A. Paulson School of Engineering and Applied Sciences, who explored data leaks for their final project in Privacy and Technology, they showed that a cybercriminal doesn’t have to have a specific victim in mind. They can now search for victims who meet a certain set of criteria. The census information can help criminals find that data.

For example, in less than 10 seconds one of the students produced a dataset with more than 1,000 people who have a high net worth, are married, have children, and also have a username or password on a cheating website. Another query pulled up a list of senior-level politicians, revealing the credit scores, phone numbers, and addresses of three U.S. senators, three U.S. representatives, the mayor of Washington, D.C., and a Cabinet member.

Steps You Can Take

One thing you should not do is lie (it's a crime) and don't provide false answers. Remember if you pay property taxes or utility bills, your residence is not unknown to the government. Complete your form because not completing it is against the law as well although a lesser crime than lying. Drawing attention to yourself by breaking the law will not be helpful. A chart of response rates from census.gov shows that they do have a maximum contact attempt rate so they do keep trying to reach you.

Do use a Voice Over Internet ( VOIP) number such as Google Voice when asked for a phone number. Don't use your cell phone number.

In the article entitled “How to Protect Yourself After a Data Breach, it is suggested that we “Follow the news. It is not a bad idea to type “data breach” into Google News once a day to see who the latest company has been. Then if you shopped at that store or restaurant, or provided your information on the site, you know to be extra vigilant about your credit card activity.”

References

Super Searcher Tools ~ Transcription Services

With audio and video being so prevalent recently, and the many podcasts being produced, it is becoming necessary to be able to transcribe them when the content is needed for research projects.

I have recently tried several services by uploading various types of audio which include phone conversations, podcasts, and audio taken from videos. I recorded the audio in three ways:

  • With a Logitech webcam microphone, placed next to my phone.
  • With my iPhone 6S Plus, using the app to record, placed next to the computer speaker during a Zoom meeting.
  • With a YouTube video placed next to my external computer speaker.

Some services I tested were free and others require payment.

Temi

Temi is an audio recorder that captures and transcribes recordings for $0.10 / minute. It is a favorite among journalists. Your transcript is synced to your recording so you can review the most important parts of your conversation.

Pros

  • Allows file search
  • It provides the ability to adjust playback speed and skip forward and back during playback.
  • Allows trimming.
  • Provides time stamps
  • Accepts all file types for upload
  • Save & export your transcript as MS Word, PDF, SRT, VTT and more.

Cons

  • Problems with transmitting
  • Included words that were not in the original audio.
  • Capitalization is not consistent.

Trint

Trint is an audio recorder that utilizes artificial intelligence to transcribe files you “drop” into their web-based AI transcription software.

Pros

  • The ability to upload from many sources including Dropbox, Google Drive, and FTP or by link.
  • Asks a few helpful questions about background noise, cross-talk and more before the upload begins for better accuracy
  • Speaker identification
  • Sends emails when transcription is ready

Cons

  • Included words that were not in the original audio.
  • Capitalization is not consistent.
  • A monthly payment plan is required but plans can be paused.

Happy Scribe

Pros

  • Most accurate of all reviewed.
  • Sends emails when transcription is ready.
  • Quick to transcribe compared to other services.

Cons

  • Often separates speakers into different paragraphs.
  • Lacks the ability to upload from multiple sources, find and replace text.
  • Not as easy to read as with Trint due to the lack of differentiating speakers.

Google Docs

My favorite free, transcribing solution. It’s free, easy, and requires no fancy apps, artificial intelligence, or downloads—just Google Docs. Google Docs includes a dictation software tool called Voice Typing. It comes pre-installed and requires no plugins. When you speak or audio is played, the tool listens and transcribes into a Google Doc. The feature is intended for people who cannot easily type or who prefer to dictate notes, but it can also be used to cut the time it takes to transcribe an audio recording down to nearly the same time as the recording itself. Basically, I play the recording or meeting (either on my phone or computer) and the Voice Typing tool transcribes the words that are spoken.

Pros

  • Shockingly most accurate of all reviewed.
  • You can view the transcription as it is happening.
  • Quick to transcribe compared to other services.
  • FREE

Cons

  • Will at times, mischaracterize words and phrases.
  • Not easy to use on a smartphone.
  • You are unable to do anything else on your computer while the transcription is taking place.

Avoiding Confirmation Bias

Avoiding Confirmation Bias When Conducting Research

 

Browsing around your Facebook feed or doing a few searches on Google, you may notice that a lot of the posts and search results appear to be the same. The algorithms used by big tech companies are able to filter out the noise you don’t want to hear and really focus in on the topics and opinions that interest you. Not the worst thing, right? You know what you like and you’re happy to get more of it.

Maybe not.
When you’re only hearing one side of an argument or seeing endless new stories written on one angle, you can start to fall victim to a phenomenon called confirmation bias. If you’ve never heard the term, confirmation bias is a distortion of the truth that occurs when you over or underestimate certain information based on previously-held opinions. In short, if you see a whole lot of something you’re more likely to believe it as fact, whether it is or not. For example, those touting climate change as a fad often quote the scientific minority or even those outside of the scientific community. They also seem to somehow miss all the leading experts on the subject and discount any research pointing toward climate change.

Recently, I conducted some research about how research contributes to better decision making. As I expected, I was able to find several articles that confirmed this and I was ecstatic. However, soon I encountered an academic article with

Confirmation bias is something that affects all of us but until now, few people have considered what effect it may have on content marketing specifically. Are you thinking critically about your audience and what they’re looking for? What about the data you’re getting back – are you cherry picking data to fit a previously held belief about content success?

Writing in Forbes Magazine, content marketing mogul Jayson DeMers told us how this trend affects our efforts, and what we can do to overcome it.

Content targeting

When planning or writing content, you may make assumptions about the target audience that are wide of the mark. This can result in important information being ignored, or buyer behaviors assumed, leading to less relevant content.

Raw data analysis

If you already have an assumption for how well a marketing campaign should be doing, you’re likely to pick out figures from raw analytics data that back up this perspective rather than ones that provide a true overview.

Company branding

Taking a snapshot of your company from social media (including hyperbolas negative or positive comments that align with your opinion) isn’t likely to paint an accurate picture, resulting in you taking the wrong action.

DeMers recommends adopting a more scientific approach to overcome confirmation bias. In his article, he suggests treating everything as an experiment, wiping your mind clean of any prior hypotheses, seeking to disprove yourself and collating data/opinion from multiple sources.