How To Differentiate Between a Real Paystub and a Fake Pay Stub?

Feb 13th, 2024

As advancements in security systems continue, theft has also evolved to becomes a higher quality crime. Authentifying documents is now quite difficult without proper equipment.

It is common for some companies to provide an online service that generates a fabricated paystub for anyone, quickly and easily. It looks so similar to a genuine paystub that it’s almost impossible to tell the difference.

There are various warning signs to be aware of. To assist you in identifying any irregularities, in this blog we have outlined everything you need to view on a real paystub. So, let’s get started.

All of the Basic Information Should be Correct

Fake paystub generator generally provides you with general information and the individual who has generated the stub might have overlooked specific information to alter the generic wording.

Inaccuracies in basic details such as one’s name, job status or birth date should not be taken lightly as this is a significant flaw. Proper accountants are bound to pick up the technical mistakes such as misspellings, which they diligently rectify before overtly circulating the paycheck created, but a false paycheck generator will just pass inaccurate feeds effortlessly.

How To Spot a Fake Pay Stubs

There are several ways to identify a fake pay stub. Firstly, check the font and formatting of the pay stub. A real pay stub will have consistent font sizes and styles, while a fake one may have inconsistent fonts or spacing. Secondly, look for any typos or errors. A real pay stub will have accurate information, whereas a fake one may have spelling mistakes or incorrect numbers.

Thirdly, check for the company logo and contact information. A real pay stub will have a professional-looking logo and accurate contact information, whereas a fake one may have a poorly designed logo or incorrect contact information.

Verification of a Real Pay Stub

To verify a real pay stub, you can contact the employer or the payroll department. They will be able to confirm the authenticity of the pay stub and provide additional information if required. Another way to verify a pay stub is to compare it with previous pay stubs. A real pay stub will have consistent information and should match the previous ones.

Legal Consequences

Creating or using a fake pay stub is considered fraud and can have serious legal consequences. If caught, the person responsible may face fines or even imprisonment. It is important to always use real pay stubs and not to attempt to deceive anyone with a fake one.

Should There be a Difference Between O an 0?.

When it comes down to detecting a fake paystub, the small details makes all the difference. On the pay stub, there should be a distinct difference between O and 0; frequently a line will be drawn via zero.

Because the fake rarely care to examine the little characteristics, they are an excellent reason to conduct a more thorough inquiry.

Estimates and Roundups Should be Minimal

Real pay stubs are created by expert accountants who are concerned with accounting for every last penny. As a result, all estimates and rounds should be kept minimal. If you dwell deeply, too many numbers are being rounded to the nearest zero, unrealistic estimates and they don’t just appear right, so you should double-check to make sure that you’re not dealing with the fake paystub.


To determine if a pay stub is real, check for a professional-looking logo and accurate contact information. To verify its authenticity, compare it with previous pay stubs or contact the employer or payroll department. Using or creating a fake pay stub is considered fraud and can result in serious legal consequences.

Look for distinct differences between O and 0, and ensure minimal estimates and roundups. Real paystubs account for every penny and should appear realistic. If you are looking to generate pay stub then you should visit eFormscreator.

Differentiate Between Mandatory Spending and Discretionary Spending

Jan 05th, 2024

Government budgeting is a sophisticated process that is difficult to understand for an average person. There are two main types of government spending: Mandatory Spending and Discretionary Spending.

Pre-determined regulations determine mandatory spending. It can only be changed with an act of Congress. Congress itself set discretionary spending and can be changed anytime. If you want to generate paystub visit eFormscreator.

In this blog, we will understand the main difference between Mandatory Spending and Discretionary Spending, their advantages and disadvantages, and examples to get a better understanding of them.

Define Mandatory Spending

Mandatory spending is government spending that is required by the law. This can include programs like Social Security and Medicare and taxes funded by these programs that are not subject to an annual budget process.

These are called “mandatory” for a reason. Because the law requires them, and Congress can only change the requirements by passing a new law to amend it.

This kind of spending takes up most of the government’s spending and includes vital projects, government services, and interest in the national debt. This is crucial to understand that these mandatory expenses are the backbone of the society.

They are backed by legalization, and you will need to ensure that you have followed all the guidelines and information. Doing this is efficient, and it helps boost the power of our society while ensuring growth in the long term.

The advantage of mandatory spending is that it provides a safety net for those people who are in desperate need of it. Having a safety net in place helps ensure people do not fall into poverty without essential services like medicine, insurance programs, and social security.

It is a perfect system to have in place, as it can only be adjusted once and if there are severe regulatory changes. Having such a system is incredible, and it helps keep things simple. It would help if you thought about it as much as possible.

The disadvantage of mandatory spending is that it contributes to the country’s debt burden. When the government spends more money than it takes in, it must borrow money to make up the difference. This increases the country’s debt burden, which can have a negative impact on the economy.

Define Discretionary Spending

Discretionary Spending is government spending that Congress approves as a part of the annual budget process. This can include programs like defense spending, education, subsidies from small and local businesses, and infrastructure. The government borrowing funds Discretionary Spending.

Discretionary Spending is spending that is not mandated by the law and that Congress can choose to fund or not fund every year. It includes things like defense, infrastructure, education, and scientific research.

Mostly, these spending are warranted by various things, including the necessity of various categories that can bring growth and value to society, along with a multitude of other requirements.

The reason for shrinking is always related to how many legal aspects are in play here. As mandatory expenses have taken a seat above and have become crucial, do not dismiss the vitality of mandatory spending; these expenses are just as vital and, in a few cases, can be of considerable importance.

But it always boils down to how crucial these expenses are and what is a priority. Plus, the legal requirements and laws will obviously make some of the things a lot more critical when compared to others, and that is a thing to keep in mind.

Example of Mandatory Spending

Social Security is the prime example. Social Security is a social insurance program that provides benefits to retired workers, their spouses, and their children. Benefits are based on a worker’s earnings history, which can be easily seen in W-2 forms that can be generated online.

Example of Discretionary Spending

The discretionary government spending, including infrastructure, education, and scientific research, funds these. Infrastructure spending includes things like roads and airports. Educational funding goes to funding public schools, student loans, and teachers’ salaries. The scientific research goes to the organizations like Nasa.


To conclude, mandatory spending spending is pre-determined by existing laws. It should be done every year, while discretionary spending is what Congress decides every year on how much to spend on different programs. If you are looking for a paystub creator then you should visit eFormscreator.

Quick Tips To Become A Self-Employed Accountant

Jan 01st, 2024

Every day, more and more people intend to join the independent workforce. The reason is plausible. Many professionals today are looking for more control over who they work for, their working hours, and their earnings. If you are looking to generate paystub then eFormscreator is your solution.

If you are looking to become a self-employed accountant, this blog is going to become your helping hand. So let’s get started.

Who is a Self-Employed Accountant?

Self-employed accountants are those independent accountant who offers particular accounting services to clients. The clients can include small business owners and other entrepreneurs who might need help to afford a full-time accountant.

A self-employed accountant is commonly known as an independent accountant. A self-employed accountant provides financial advice to entrepreneurs and assists them with payroll services like paying salaries.

Why Become A Self-Employed Accountant?

Many accountants are opting to become a self-employed accountant. There are jobs for independent accountants because of the economic focus on entrepreneurship.

Small businesses are always in need of an accountant to help out with their bookkeeping. Most of the small business will not hire a full-time accountant. This is where a self-employed accountants comes into play. As an independent accountant practitioner, you can work with loads of clients according to your situation.

Quick Tips For Becoming A Successful Self-Employed Accountant

It is vital to keep in mind that the process of becoming an independent practitioner is a step-by-step one. To help you via this challenging career process, below are quick steps to help you decide on the switch.

1. Grab The Relevant Qualification:

If you have the skills, an aptitude for numbers, and an eye for detail. It’s not compulsory to get a certificate, but if you have the proper qualification, it’s an added advantage. To become a successful self-employed accountant (Chartered Professional Accountant), a CPA is a must. The CPA proves that you are very familiar with accounting laws, methods, and basic book-keeping skills.

2. Set Up Your Business Profile:

Your business profile is the brand of your business name. If you have decided to be on your own, you are going to have a name by which you want to get known. If you are interested in working online, there are freelance platforms where you can set up your profile. Working online on a freelance platform is a different way to be a successful self-employed accountant.

3. Niche Down:

While having a niche seems to be repetitive but it is different from usual. If you have multiple skills, it might be dangerous to your self-employed career to pose as a generic accountant. This is because the client who seeks to hire a self-employed accountant does it for the tailored skills that they have to offer. It helps to begin mastering one skill, becoming an authority, before moving to another.

While it is possible to be a self-employed accountant who serves various industries, choose to focus only on some of them. In addition to this, establishing this as an authority in those specific professions will increase the likelihood that clients from those industries will choose your services.

4. Purchase the power of Networking:

Since being a self-employed accountant is a game of communication, you shall most likely spend a great deal of time negotiating and talking to people. Forming allliances, building partners, metting with clients. Networking is always a virtual space for people. To become a successful entreprenuer, you will have to understand people and relationships. You will have to make some kind of online presence to stay in the eyes of the audience.

5. Invest in a Productive Workspace:

Whether you work from home or from office, a productive workspace will increase your success as a self-employed accountant. Your workspace do not have to cost a fortune. It can include a a comfortable work chair, a desk, and a cup of coffee.

6. Decide your rates:

Pricing is a challenging factor for self-employed accountants. This is because no laws are binding on how much you should charge for your services. But, as you gain more experience, with clients, adopting a value-based pricing seems better.

How Much Money Can A Self-Employed Accountant Make?

With your level of experience and the sector you have chosen shall affect how much money you make as a self-employed accountant. A newly trained accountant can participate in an annual salary of £30,000 on an average. A chartered accountant makes £85k per year with a bonus of £17,000, working full-time.

The normal hourly rate for a self-employed accountant is between £11 to £50, but many clients prefer a monthly payment schedule. Depending upon the accounting services which includes the complexity of the accounts, this can range around £50 to £500 every month.


If you want to create paystub then you should visit eFormscreator. If you are looking to become a self-employed accountants then this blog is helpful for you to make your journey move forward.

Steps To Become A Freelance Artist

Dec 29th, 2023

Have you been wondering about being self-employed as a freelance artist? Do you have specific booming skills and wish to work independently? Then, becoming a freelance artist is the best option.

Before we guide you on how becoming a freelance artist can benefit you, you should know about Paystub Creator, eFormscreator, a 100% free tool to use. Now, let us get started.

What is Freelance Artist?

We know any artist who works independently without commitment towards a specific employer as a freelance artist. A freelance artist works for himself by generating art for clients and charging fees in return.

Such an artist is free to take as many clients as he wants and can work independently per his own working hours. This means you can do everything from home, from processing the client’s accession to receiving payment.

And the best part is, unlike working full-time, freelance artist can get paid anytime in a month. Being a freelancer, you must first identify your niche. You must discover your capabilities to capitalize on those skills and other things related to them in the market.

It is now time to start advertising your services once you have mastered your skillset. Freelancers sell themselves from any medium, including local directories and social media. The idea is to demonstrate to those people what you have to offer- and why you should be hired.

Any freelance artist worth their mettle will want to identify oneself as an actual firm in marketing and a rapidly growing consumer base. This not only allows you to sell your services as a genuine business, but it also allows you to keep your cash and legal documents from your assets.

Why You Should Become Freelance Artists?

Freelancing is shared among the people who work in the creative space, like writers. Most artists choose freelance because of the independence they get to experience with their time and energy.

The freedom to choose what projects to work on and what projects to decline is choosy. As a freelance artist, you are in the driver’s seat with your schedule and time.

What are the challenges faced by Freelance Artists?

Being a freelance artist is not a bed of roses. There’s a lot more involved in it, from client management to time management and financial management.

Learning how to deal with clients and managing people is vital in freelancing. Self-discipline and motivation are vital for freelancing since you have no manager to answer to. You will always self-organize everything and self-optimize to meet your client’s deadline.

5 Vital Steps To Become A Freelance Artist

1. Think it thoroughly and generate a plan:

Being a freelance artist is one part; generating art is another. And, of course, there is running a business. A massive chunk of your time and energy will be channelled towards running and growing your business. You have to decide how you are going to earn money as a freelance artist. Brainstorming ideas and looking at other artists’ workspaces is a great way to start. You will have to figure out what skillset you have to offer. You can be anything: a graphic designer, web developer, etc. This is known as niching down.

2. Grab Your First Client:

Now you have a plan, the next step is to grab your first client. Being a freelance artist is different from being an in-house artist. You do not work for a company, so you wait for the client to walk towards you. An excellent way to start your journey in search of the client is to begin locally.

You have to be ready to receive tons of rejections in this field, as only some of the clients are responsive. Below are some suggestions for attracting new customers:

  • Reaching out to your network: Discuss your firm’s planning with your family and co-workers as to what you are going to provide. Your network might be interested in your service.
  • Advertising Your Artwork on Social Media: Showcasing your work on social networking sites can draw the perfect attention and lead the perfect client to your doorstep, especially if the audience likes your work.
  • Using freelance artist job portals: You should do some research and experiment with the freelance job sites where you post your work.
  • Generating free work for firms that have a considerable presence: To assist in growing your name as an artist, try generating free work for firms with a vast presence.

3. Build a Strong Portfolio:

A client does not want someone who says he can do the job. Instead, they want someone who has a proven track record of his previous work. You have to display your previous work, including all the pro bono work, as samples. The central part of being a freelance artist is earning trust of the potential clients, which is in your ability to communicate with them.

4. Deliver Quality Work:

Each job arrives with a deadline, and this is where you prove your mettle. Your ability to generate and deliver quality work within the deadline increases your status of reputation as a freelance artist.

5. Discover More Clients:

Building your clientele as a freelance artist is periodic. The sustainability of your business heavily relies on gaining more clients. Therefore, you must be willing to do that fast-paced chase.


Being a freelance artist is challenging, but it gives you that extra comfort of being a self-employed individual. So, if you are thinking of being one, consider the above details thoroughly. And, in case you are looking to create paystub you should check out eFormscreator.

Federal Unemployment Tax Act

Dec 28th, 2023

The Federal Unemployment Tax Act is a federal payroll tax that helps in funding the unemployment benefits. In this blog, we shall talk about FUTA, its most current taxes, and how much you need to pay for FUTA. If you want to create paystub you should visit eFormscreator.

What is FUTA Tax?

The Federal Unemployment Tax Act (FUTA) establishes a federal payroll tax for American businesses and organizations, which helps fund programs and benefits for unemployed citizens.

FUTA was created in 1939 as an answer to the events of the Great Depression and today assists similar, state-based programs that are often funded by the State Unemployment Tax Acts (SUTA).

Who pays FUTA Tax Rate?

As per the IRS, a business shall pay unemployment taxes if it meets the bracket of any of these three tests:

General Test: Businesses that have spent $1,500 or more in wages to any employee in any quarter of the year for at least some part of a day across any 20 different weeks of the year.

Household Employee Test: Businesses that spent $1,000 or more in cash to the household workers in any quarter of the year.

Farmworker Test: Businesses that spent $20,000 or more in cash to the farmworkers in any quarter of the year or at least some part of a day across any of the 20 different weeks of the year.

2024 FUTA Tax Rate

The 2024 futa tax rate is 6% of the first $7,000 from every employee’s annual wages. For example, if Employer XYZ pays one employee $15,000 annually and another $5,000 annually, it would pay a total of $720 in unemployment taxes as only one employee earns over $7,000 a year. Because the other employee earns only $5,000 annually, Employer XYZ will only pay 6.0% of that $5,000.

Employee Current FUTA Tax Rate  Total Unemployment Tax Owed
Employee A 0.06 x $7,000= $420
Employee B 0.0.6 x $5,000= $300 $420 + $300 = $720 

How To Pay FUTA Taxes?

Organizations with a Federal Employer Identification Number can make a FUTA tax payment in the form of an Electronic Transfer Fund (ETF) to the Department of Treasurey’s Electronic Federal Tax Payment System (EFTPS).

FUTA taxes are generally due one month after the end of a quarter. Still, if an organization only collected $500 in FUTA taxes for a quarter, it could wait until the following quarters to deposit the funds.

Quarter Quarter End Date Deposit Due Date
Q1 (Jan, Feb , March) March 31 April 30
Q2 (Apr, May, June) June 30 July 31
Q3(July, Aug, Sept) September 30 October 31
Q4(Oct, Nov, Dec) December 31 Janauary 31

How To Calculate Futa Tax Rate?

To calculate the FUTA tax rate on a worker’s annual wages:

Add up all of the taxable wages paid to an employee in a calendar year. For example, you pay your employee Roger $7000 in December 2022 and another $8,500 in January 2023. If you add these figures together for a total of $15,500.

If, during that same period, you paid employee Jack only $5,000 of wages subjected to the FUTA taxes, then your total is still $15,500. Multiply these amounts by 0.07. In this case, it would be $120.00.

Paying FUTA taxes to the IRS

Generally, employers must deposit their FUTA tax liability to the U.S. Treasury via the Electronic Federal Tax Payment System.

The business also needs to report FUTA by filing Form 9040 by the end of January 31st of the particular year as a part of its annual tax returns.


Filing and paying the FUTA rate is a simple process. As long as you have a basic understanding of how much you owe and when the payments are due. Failure to pay the FUTA rate can lead to significant penalties, including fines and criminal charges. If you are looking for a free paystub generator, eFormscreator is your perfect solution.

Reasons Why People Should Never Work For Free

Dec 25th, 2023

Before you consider a client’s request to work for free, consider these reasons why that is a bad idea. As you journey towards building your career, you must have come across people asking you to work for free work.

These types of requests always assure more jobs in the future, and they promise an attractive portfolio. Therefore, if you are considering working without pay, here are some reasons why you should never work for free.

This blog, we will make you understand why you should never work for free. Before we forward, if you are looking to generate paystub you should visit eFormscreator.

Reasons Why People Should Never Work For Free

Working for Free puts a Soft Pedal on Your Profitability: Profitability is a vital reason why people go to work. Therefore, when you work for free, you ultimately diminish your chances of earning a living. In the process, you might also hurt your process in the market, though big businesses will not take you very seriously regardless of how much experience you possess.

Working for free cannot be used to pay the expenses. Working for free can reduce the profitability of your firm. Each business spends time on administration chores that cannot be described as paid employment, but once you start working for free, your unpaid time gets a super headstart.

You Lose Valuable Time When You Work For Free: Time is money; working for free will take a toll on your skills, health, and time. You trade vulnerable time for no reward, which you would have done for a fair amount of price if it was a paid gig.

If you have agreed to work for free, you are letting the client know that continuing with the exact relationship is acceptable, i.e., working for free. When you think about it, accepting an unpaid commission means working for free- until and unless your client is willing to pay for your accommodation and overheads.

Working for Free Sets, Your Working Charges To Zero: You don’t work for free if you consider yourself growing into a big firm in the coming years. For example, if you are working for free for a firm on a vast project. Essentially, you cut yourself on the foot the day you had decided upon your wages.

As a result, it might not be easy to come to an agreed price with the client. The sole reason is that the client gets comfortable paying you out and is now unwilling to shift to a payment system.

Exposure Cannot Be Computed When You Work For Free: On average, one of the main reasons why people do not opt for free work is because they seek exposure. Some newcomers and entry-level joinees fall victim to this mindset.

The need for experience should not be the reason to work for free. A superb way to turn this around is to charge lower. This way, you can strongly build your profile, and your expertise will grow.

Lack of Boundary Depreciates Your Work: When you take up free work, there is always an urge to be overburdened with more work by the person who is offering.

The reason is that there are no clearly defined business boundaries because the work has no predestined budget. So, your offer might begin demanding and expecting more outcomes than you can deliver, though there is no accountability.

How Does eFormscreator Protect You From Working For Free?

A failed attempt to gain wages and salary for your services automatically is free work. The difference is that you might not have submitted to it.

As a result, you need to invoice your clients quickly while encouraging them to pay outstanding debt. Hence, with eFormscreator, you can create paystub for your clients and for employees.


Now you have a clear understanding of why people should never work for free. With this blog, you can help yourself and also help others who are working for free and wasting their time and energy over it.

If you are still looking for the perfect paystub creator, you can visit eFormscreator.

How To Cancel a Pending Transaction on Credit Card, Debit Card or Paypal?

Dec 22nd, 2023

If you are used to working with cashless transactions, then a pending transaction is not a new thing for you. Even though such a charge is not permanent and signifies a waiting transaction, it can be uncomfortable at times.

The reason is that the pending charges affect your available balance until the funds flow out. As a result, your chances of having them increase with more debit card purchases.

In this blog, we will highlight what is a pending transaction and how to cancel a pending transaction? Before we dive deep, if you want to create paystub, you should be visiting eFormscreator.

What is a Pending Transaction?

A Pending Transaction is any payment that has not been fully processed even though the customer has accepted the payment. Essentially, pending charges are familiar with cashless transactions like credit card payments.

When you make a payment with either your debit or credit card, the merchant charges your account. However, the issued charge might take a while to enable the complete transfer of funds to the recipient.

The reason is that the payment has to go through specific third-party processes-payment networks, within which your transaction becomes pending. As the pending charges clear up the moment, your card issuer successfully transfers the funds to the merchant for you.

Operation of a Pending Transaction

When you use a debit or credit card to make a transaction, the payment passes via various processes.

To start with, the point-of-sale (POS) system informs the merchant that your card is authentic. Your bank, credit union, or card issuer authorizes the purchaser.

However, the transaction do not become final until your banking institution transfers funds to the merchant on your behalf.

In the case of a pre-authorization, the merchant charges more than the actual amount to ensure that they will have access to those funds if your purchase surpasses the accurate amount of the transaction.

For example, you might pre-authorize at $50 at the petrol station and just pay $42 to fill up. Until the $42 is transferred from your account, the $50 charge will show as a pending transaction.

Credit Cards

When you use your credit cards to pay for something, no money is taken from your credit union account until you pay your payment at the end of the month. A pending credit card transaction only reduces your available credit amount.

Debit Cards

Debit card transactions immediately remove money from your account to cover the purchase costs. This means that a pending payment on your debit card reduces the available balance in your account for the duration of the transactions, which is not lengthy.


Paypal’s payment processing system is existing. This implies that if you paid using Paypal, the transaction might appear pending in your Paypal account before it appears on your credit card.

Reasons Which Can Delay An Exchange

Payments Outside of Business Hours: Due to the wide availability of online financial transactions, you might notice that you can make payments whenever you like. However, you will get to see that your trade stands out as pending for those payments which you make outside of the prevailing working hours.

Merchant Operational Protocol: Different strokes for different people. Therefore, some merchants will not accept your payments until your order has been shipped.

When You Make A Huge Purchase: Often, you notice a pending transaction when you make a huge purchase. The reason is that making massive purchases on credit puts the merchant at considerable financial risk.

How is a Pending Transaction Related to Credit and Debit Cards Operations?

When you swipe your credit card, the approved payment fails to reflect on your available balance like a pending credit card transaction. Generally, these pending charges do not last longer than 7 days before they clear up.

The amount’s pending duration depends upon the time you initiated the transaction and the time it takes your merchants to finish the transaction.

On the other hand, the effect of a pending transaction seems easier with debit cards. The reason is that the credit card only affects your available credit balance.

How does a Pending Transaction is Related To Debit Card and Credit Card?

When you swipe your credit card, the approved payment fails to reflect on your available balance like a pending credit card transaction. Generally, these pending charges do not last longer than 7 days before they clear up.

The amount’s pending duration depends upon the time you initiated the transaction and the time it takes your merchants to finish the transaction.

On the other hand, the effect of a pending transaction seems easier with debit cards. The reason is that the credit card only affects your available credit balance.

How does a Pending Transaction Relate to PayPal?

You can experience a pending transaction on your PayPal because it is a cashless marketing method. However, sending payments via the PayPal payment system differentiates it from credit or debit cards.

How To Cancel A Pending PayPal Transaction?

Canceling a pending PayPal transaction is only possible when you send the payment to someone whose email is not linked to a verified Paypal account.

But, if you pay a merchant who has not automated his payment acceptance, your funds are left to the merchant to accept or decline.


With eFormscreator, you can track your purchases and budget your finances. And you might be familiar about how to cancel a pending transaction on credit card, debit card or PayPal? If not, you can revisit this blog anytime you like.

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How To Find Your Employment History in the USA

What is Poverty Mindset?

How To Find Your Employment History in the U.S.

Dec 21st, 2023

Getting your employment history is not challenging. If you have worked in several places, recalling it can become challenging at times. But you can get information on your employment history via government-approved agencies.

In this blog, we shall enlighten you about how to find your employment history in the U.S. If you are looking for a paystub creator, then eFormscreator is your answer to it.

What is Employment History?

A person’s employment history is their work history that includes their previous place of work. Generally, your new employer will require your employment history as a part of the working process.

Employers use employment history to gain insights into potential employee’s past and employment verification. This also serves as proof of a person’s experience and qualifications.

Generally, when your work history is under review, employers look for the following details:

  • The time gap between your past jobs.
  • Staying power in your past jobs.
  • Diversity in your compensation rate.

How To Find Your Employment History in the U.S.?

Grabbing your service history can be a daunting task, firstly, if you have already worked in various places. The mobility of labor also contributes to most of the people’s difficulty in building their service history.

Below are some of the ways in which you can get your hands on your employment history in the U.S.

Social Security Records: Social Security Records provide you with the most accessible venue to generate your employment history in the U.S. So, it links all of your service history together.

Social Security keeps records of your payments to social security programs for your income. You can visit the Social Security Administration’s website to download an online copy of your 7050 form.

The Social Security Administration may require a small payment before giving your records. You might be required to pay $136 for a non-certified statement and $192 for a certified statement.

Alternatively, you can use this information on the report to fill out the necessary forms. In addition to this, your state’s unemployment office also provides social security information, which you can get at zero cost.

Via Your Tax Returns: Your tax returns provide valid information about your previous employers. So, your past W-2 includes information about the name and address of your employer, including your date of employment. If your tax returns are prepared online, you can view and download them from the website.

By Contacting your Previous Employers: If you are not sure about your work history over the years, you can contact your previous employers. Essentially, the HR department of your previous workplaces can assist you with getting information about your work history.

How Do You Get Your Employment History by Checking Your Credit Report?

If you supply your work information while applying for a credit facility, your credit reports can help you find your employment history. You can get your work history via credit reports by using a reputable site to access your credit report.

After viewing your credit report, you can contact the credit report agency where you notice some diversity. Credit report agencies include:

  • Experian
  • Equifax
  • TransUnion


Getting your employment history in the United States works well with your previous documents. You should ensure that your information across all the platforms, like Linkedin, is in symmetry.

If you want to create paystub you should definitely keep your tab on eFormscreator which is a 100% free tool.

Ratified Contract: Here is What You Need To Know About

Dec 20th, 2023

A ratified contract secures the buyer-seller relationship, which is a permanent deal. Whether you are saving to buy a house or start a small business, you must have a legal contract that spells out all the terms and conditions of an agreement.

Though the term ratified contract is more believable in the real estate world, it finds significant relevance in a modern digital business.

This blog will enlighten you with everything you need to know about ratified contract. If you are looking to generate paystub you should check out eFormscreator.

What is a Ratified Contract?

A ratified contract is an agreement between two parties under agreed terms and conditions waiting to sign the final contract. It is an agreement that has been approved but not necessarily signed.

Such occurrences happen when two parties enter into a negotiation, but one of the parties lacks the authority to sign the contract. So, the contract requires the interference of people carrying a higher cader of command for approval.

Why and When Do You Need a Ratified Contract?

A general understanding of negotiations and legal agreements enables you to correspond the right amount of power to your external representatives.

This will also help you avoid problematic situations and issues arising from want of legal understanding. Every buyer-seller transaction is a contract and might require further documentation and legal processes.

So, you can add online generated invoices to the transactional terms as a seller. Alternatively, you need a loan, your W-2 form, which also qualifies you to push through with the contract.

How To Ratify a Contract?

Sometimes, a contract does not offer enough assurance and coverage to guarantee business safety. Similarly, a signed contract is not always sufficient to be a binding agreement for a business owner.

For example, if your employee signs a contract on your behalf, the other parties might be required to ratify it. Ratifying a signed contract confirms that you accept the contract terms signed on your behalf.

In addition, ratifying a contract enforces it regardless of any valid reasons you may have to void it.

Below are the reasons to take towards ratifying a contract:

Step One: Study the agreement and ensure you understand its terms and conditions. You must develop a complete understanding of all the clauses which constitute the whole document. The reason is that you cannot ratify a selected aspect of the agreement. As a result, complete understanding and clarity are critical. However, if you encounter something you do not understand to the best of your ability, you can instantly call for voiding to invalidate it.

Step Two: Make a direct declaration which fully expresses your approval of the agreement. A direct declaration requires a written expression declaration that you approve and wish to enforce the contract.

Step Three: You must progressively honour the terms of the ratified contract. Essentially, once a contract is ratified, it becomes binding. Therefore, you are liable for any breach of contract.

Is backing Out of a Ratified Contract Possible?

A ratified contract is legally binding on all participating parties. It is impossible to back out of a ratified contract unless the other parties agree.

In this case, all the participants parties in the contract would have dissolved it. For example, ratification in real estate, a contract binds all conditions for purchase are lifted. This means the purchase agreement might not have been signed; the ratified contract to purchase remains binded.


Getting into a ratified contract requires utmost prudence, especially with voidable contacts. If you are looking for a paystub generator, watch out for eFormscreator, a 100% free tool.

Advantages of a Semi-Monthly Pay Schedule

Dec 15th, 2023

A Semi-Monthly pay schedule is more like a monthly pay schedule, but the payments are split up between two payments, generally at the beginning of each month and at the middle of each month.

The end result is less money in a month, but it spreads out the money among the four months of a quarter. Ultimately, semi-monthly pay is the best-utilized payment schedule for most of the employees. If you are looking to create paystub then eFormscreator is your go-to tool.

It offers stability to the employees and consistency for the employers, and it improves the economy, providing various advantages that are easily not available with once-a-month payments.

In this blog, we will see the advantages of a semi-monthly pay schedule. Let’s get started.

Create Paystub For Independent Contractors

What Is Semi-Monthly?

A semi-monthly pay schedule means that the pay checks are generally distributed two times a month, usually on fixed dates like 15th or the 30th. However, they might not necessarily fall on same day of the week, and you would end up paying the employees 24 times instead of 26.

Advantages of a Semi-Monthly Pay Schedule For Employees:

By splitting up the money into two payments per month, hourly workers receive improved income stability and a better quality of life. Many people, upon receiving a massive amount of money, do not allocate it effectively in a way that affords them long-term results; splitting income up and whoever has the unintended side-benefit of forcing the people to think down more intelligently with whatever they have, and so the people generally tend to make better decisions.

Most of the semi-monthly pay employees use this improved stability to build upon their savings for any kind of emergency and other expenses that might arrive during the semi-monthly pay period.

Lack of worry about income leads to a more substantial financial situation for these employees, fewer financial worries and a promising career. Another overlooked reason behind the benefit is that a semi-monthly pay schedule means that there is a lesser risk of overestimating finances at the end of a pay period.

Understanding Your Pay Stub: All About YTD

Receiving two smaller sums per month in lieu of one large one helps you predict the income and lets you accommodate the changes rapidly. Employees with a demanding schedule might want to consider this type of arrangement in order to avoid the stress of manually managing the finances.

Semi-monthly pay lends itself well to deposit automation and allows you to build a more stable passive income stream via avenues like index investing. Semi-monthly pay provides an additional level of comfort and security for the employees because they receive a more consistent income, reducing stress and overwhelming feelings which are associated with managing finances.

Advantages of a Semi-Monthly Pay Schedule For Employers:

Semi-monthly pay is one of the best payment schedule option for a company.

Smaller companies, in particular, businesses usually have very little capital in hand to afford workers and often need a tangible ROI in two weeks’ worth of work to be able to continue hiring and offering pay.

As a result, semi-monthly pay schedule means that they are included in the month; instead, they can pay a smaller sum on a two-week interval, monitor for return on investment and make continued hiring decisions.

It simplifies the payment schedule for the general employee to recognize:

This is the most essential query you will generally find in the “When we are going to get paid next”? No matter whether you are an employee once a week or every other week. Those concerns are resolved once a semi-monthly system has been implemented because employees are paid on a regular basis.

How Long Should I Keep Pay Stubs?

It blends in with the other payroll methods:

It is possible to combine semi-monthly payment arrangements in order to meet the demands of both business and personnel effectively. You will discover that giant firms might have a bi-weekly pay schedule for full-time hourly employees, a weekly plan for part-time employees and a semi-monthly pay schedule for salaried personnel.

Cash Flow of the Business is Assisted:

This is valid when the benefits are paid attention to the agreed remuneration. The matchless superior is generally the one which is distributed on the Tuesday after the semi-monthly pay dates because it fairly removes all of your American banking holidays.

Problem with the Existing Odd Days and Leap Year Days is Solved:

Other payment schedules are coered to adjust the year’s odd-numbered days as well as the volatile leap year day. Because the framework is crafted to respond to those rapidly changing situations, semi-monthly pay can continue without being interrupted. The last business day of the month will either be on the 26th or the 29th and will serve as the final pay date for February.

Calculating Addition is Substantially Less Difficult:

The contracted benefits are simple to implement if the benefits are paid out twice a month. Simply divide the agreed sum by 24 to see how much will be distributed throughout each payroll cycle.

As a result, even when docility issues can be complex, a clear set of policies and processes can make even the most challenging pay period easy to manage for everyone in the firm.

How Can You Generate A Paystub and Calculate Wages?


A semi-monthly pay schedule is favorable for both employees and employers. It is beneficial for the employees because they can plan their finances and save money for the future. If you are looking for a free paystubs generator then you should visit eFormscreator.