How to Read and Understand a Lease Agreement Correctly


Whether you’re a first-time or a long-time renter looking for a new home, the lease agreement is one of the most important documents you’ll encounter. Reading it correctly before you affix your signature can save you time, money and future grief.

What You Should Expect

Never expect that a lease agreement will be the same as any other lease you’ve signed in the past. No matter how many times you may have rented, or if you’ve owned a home before, no two leases are the same. Just when you think you’ve seen every conceivable provision, a new detail appears.

Leases specify more than just how long you’ll be living at an address or the dollar amount of your monthly rent. Most provide often-overlooked details such as use of common areas, security deposit amounts, occupancy restrictions and the landlord’s policy on replacing damaged items. A lease should also contain a termination clause detailing penalties for breaking a lease before it expires. A repair clause specifies rules between tenant and landlord with regards to who is responsible for paying when repairs are necessary.  

Other provisions you should expect to see include a right-of-entry clause and information on subletting. Regulations clauses list rules such as permissible noise levels at certain times of each day.

Lease Checklist

Many leases contain paragraph after paragraph of tiny type. When a lease can be incredibly long and convoluted, navigating such a complicated lease can be overwhelming. Rather than trying to tackle the document as a whole, approach it as you would a checklist . Doing so organizes a way to ensure you don’t sign something that doesn’t meet your approval. Be sure to carefully review these six categories:

The Basics

Don’t take accuracy of essential information for granted. Is the address of the property correct? Does the lease specify by name who manages the property and their appropriate contact information? You should see the amounts for rent and any associated fee penalties for late payment. Beginning and ending rental dates must be clearly stated.

The document should specify any appliances furnished with the unit, such as a refrigerator or a dishwasher. Look for stated options to renew the lease, the policy regarding rent increases and what you have to do before vacating the property.

Fido and Fifi

The agreement needs to state whether pets are allowed or not. It should specify pet fees and limitations such as breed, weight limit, and number of animals permitted.

Maintenance and Alterations

Look for language stating that the landlord is responsible for completing and paying for repairs. If you plan on living in the residence for more than a short period, make sure the lease addresses allowable alterations such as changing paint colors. Look for phrasing that specifies move-out conditions for alterations: i.e. if you make alterations, are you responsible for restoring the unit to its move-in condition when you leave?

Utility Charges

Although some communities now furnish cable TV or Internet services, tenants are often responsible for paying the monthly costs. Some landlords pay for water, electricity, or gas. Make sure the lease stipulates for which services you are monetarily responsible for.


Are you likely to accept a job out of the area? Do you serve in the U.S. military? If your circumstances change you’ll need to know if the lease permits you to sublet and if you would incur any penalties for early departure. It should also state whether you or the leasing agent is responsible for finding a tenant for subletting.

Community Rules

These are the rules and policies regarding guests, use of clubhouses and extended tenant absences. Look for language about storage, maximum occupancy, and any tenant insurance requirements.

Knowing how to read a lease is crucial for a happy stay in a new home. Also, listen to what a landlord says. Ideally, prospective renters and the landlord will review the lease together. Make sure that what the property owner or the leasing agent states isn’t contradicted in the lease. If you suspect that it does, get the correct information in writing. This is the time when you should attempt to negotiate any terms you consider unsatisfactory. Finally, inspect the property and submit a written list of any damages or deficiencies before agreeing to make it your new home.

How to merge PDF online?

How often do we face a problem to combine several documents in PDF format into one PDF file? Before now a process of combining different documents into one file used to be more complicated and seemed barely possible. First, you had to print the forms, fill them out, scan and then send to the recipient. Today such issue may be easily solved by using special tools offered by PDFfiller. By using this program you effortlessly can combine PDFs online just in few steps to get a desirable result. The only thing you should do is follow the instructions below.
First, you should upload your PDF documents into a folder. Draw attention to the fact that you can`t upload and merge more than five PDF files in one folder. After that, open a folder, choose all documents you need to merge and click “More” button in the toolbar. Then click a “Merge” button to combine necessary documents into one PDF file. You can track all actions as shown at the picture below:
merge pdf, merge pdf files, combine pdfs
The next step is changing an arrangement of PDF documents according to your requirements. In the list provided you may see the order in which documents will appear in a merged PDF file. After that, name the PDF folder and click a “Merge” button as given in examples below:

merge pdf, merge pdf files, combine pdfs
merge pdf, merge pdf files, combine pdfs
A merged file further will be saved in a folder with original PDF documents. At the same time all combined PDF documents in a folder will remain unchanged as shown in an example:

Merge PDF service is a great capacity not only to combine files in a few clicks but also save your time. One more advantage is that you can use this service in most suitable way from any device.
The video with all steps of merging pdf’s provided below:

ss 4 form, IRS SS-4 Form

What 3 Documents do I Need to File as an LLC?

A Limited Liability Company is a type of organization that provides a lot of benefits. Such a business structure provides pass-through tax status and high liability protection, and minimizes many business formalities you are responsible for. If you are interested in all these, you must know what documents to prepare to file an LLC.

There are 3 basic documents necessary in this case. They are the Certificate of Organization, Operating Agreement and SS-4 form. The Certificate of Organization outlines such information as business name, purpose, its principal place, registered agent, management structure and business duration. The Operating Agreement includes the information about the ownership percentage of the members, the distribution of all profits and losses, voting rights and the ways the LLC may be dissolved.

The most important among these three documents is the SS4 form. It is the Application for Employer Identification Number and must be filed by all employers, partnerships, corporations, estates, trusts, churches, Indian tribal entities, government agencies, certain individuals, and others who want to obtain the status of LLC.

This fillable application contains a special table which allows you to determine whether you need this EIN or not. After you have determined this, proceed with filling out your PDF or Word form ss-4 online. You can download a printable sample and complete it manually. However, it will take much more time and effort to print it.

In Form SS-4 you must provide the following information: legal name of the individual for whom the EIN must be requested, name of the business, executor’s name, mailing address, name of the responsible party, type of entity, reason for applying online, etc. Generally, there are 18 lines to fill out. If you have any questions, you may check the instructions to your SS-4.

editing pdfs

How to Edit PDF Files


  1. How to edit PDF files
  2. How to edit a PDF file using a software
  3. How to choose the right PDF editing software
  4. What about an online PDF app
  5. Converting PDF to editable format

How to Edit PDF Files

People who are used to working with a Word document may find it confusing when they have to make changes in a PDF file. Unlike Word files, PDFs consist mostly of objects not words that makes it hard to modify. Another difficulty about editing PDFs lies in getting around file security. Most PDF files are well-protected. A document owner may set a password to make data in a document visible to trusted individuals or they may set restricted access to allow changes to some parts of the content. Depending on the document security level there are three methods to break the protection and make a PDF editable:

  1. Install software on your desktop or laptop
  2. Work in a web-based app
  3. Convert the PDF to an editable format

Each method has its advantages and drawbacks. You can get a free app but limited functionality or buy a program with a full-featured editor. Let’s have a closer look at each method.

How to edit a PDF file using a software

If you often have to edit PDF files, installed software may be the right choice. What’s nice about it is that all the editing is done quickly, straight from the desktop. You get a specific set of features and a strong data security system that can be improved when upgrading the software.

However the price is where these programs fall short. Often the quality you get outweighs the cost issue especially if you’re going to use the program regularly. Another important thing about PDF software is its compatibility with operating systems. Some programs are designed for Windows and won’t run on Mac or Linux.

How to choose the right PDF editing software

When choosing among dozens of PDF editing programs focus on those that offer a free trial. It will help you test the core features and decide whether the program matches your needs. PDF-XChange Editor, for example, is a fast and small program with many features that don’t require a licence. With this software you can easily change text, esign the document and add comments or annotations. It also has a free demo version with some limitation on tools.

All software that can edit PDF files contains a different set of features and thus are differently priced. Compare some programs to get the best value for your money. Among top PDF editing software for Mac iSkysoft takes a leading position. With this tool you can preview, modify not only the text but also images and graphics and even scanned PDFs. However, its cost may be a real downside. If you can’t afford iSkysoft, try out Skim. You can download it for free and make almost the same number of edits including highlighting, erasing and underlining text or adding sticky notes.

What about an online PDF app

Installing specific software is often inconvenient. Hopefully there are tons of web-based PDF tools that don’t require going through a tedious installation process. With these apps you can edit PDFs any time from any internet-connected device. Generally, this is a faster and cheaper way to complete common tasks such as when you need to fill out a form in PDF or even make extensive edits. If that is what you need, PDFfiller is just the thing. It is a complete pdf editor that allows you to create and manage PDF documents, modify the content and formatting using a wide array of editing tools. PDFfiller makes it easy to add a digital signature, sticky notes, annotations, erase blackout and highlight text.

how to edit a pdf

how to edit pdf file

edit pdf

Based on users’ preferences PDFfiller offers different subscription plans. This is what makes it a good option for basic PDF editing needs and pro tasks.

Converting PDF to editable format

Changing PDF format into an editable one, say a Word file, seems reasonable in theory until it comes to the practical part. As a result of the conversion process the structure of the PDF file is destroyed. A few apps are able to correctly perform file conversion.

There is no true one-size-fits-all approach that would make editing PDF files absolutely hassle-free. But there is definitely a solution that combines features to meet specific user needs.

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Reporting Cancelled Debt with IRS 1099-C

You may be off the hook with the recent cancellation of a debt, but don’t forget to report it to the IRS with Form 1099-C!

Here at PDFfiller, we are continuing with our review of the all 1099 forms you’ll need this tax season.  This post provides a handy guide to the IRS Form 1099-C.

What is an IRS 1099-C?

According to the IRS,  when any debt you owe that is canceled, forgiven or discharged, that counts as taxable income. Form 1099-C “Cancellation of Debt” informs the IRS about debt that has been cancelled or wiped out in bankruptcy. A creditor or money lender has to file this form to inform about the cancellation of debt of more than $600 to a debtor and to the IRS.

Among the reasons to file a 1099-C are:

• You negotiated a settlement to pay the debt for less than the amount you owe and the lender forgave the rest of the loan amount.
• You owe a home that is now in foreclosure, and there is a difference between the value of the home and the amount owed – in this case, be sure to check out our post on 1099-A.
• You sold the home in a short sale and the lender agreed to accept a lump sum amount.
• You fail to pay anything on a debt for the past three years and must surrender a property in a bankruptcy proceeding.

Who needs an IRS 1099-C form?

A financial institution under section 581 or 591(a), a credit union, a successor of FDI corporation, NCU administration, military department, U.S. postal service, postal rate commission, a federal government agency or finance company all may need to file the 1099-C form. If you receive a Form 1099-C from a lender, you’ll have to report the amount on that form to the Internal Revenue Service as taxable income.

When is IRS 1099-C due?

File copies with the IRS by the end of February and a copy to the debtor by the end of January.

How do I fill out IRS 1099-C?

The creditor must provide information such as the name of the debtor, TIN (Taxpayer Identification Number), address, and date of the cancellation. The document must describe the debt, list the total the amount forgiven and provide a reasonable market value of the property in case real estate is involved.

For more information on form 1099-C and it’s relationship with 1099-A, check out the following video:

Where do I send IRS 1099-C?

Send one copy of the 1099-C to the IRS and copy B to the debtor and keep copy C with you.

So now you know how to get started, you can fill out and eSign your 1099-C with PDFfiller, and remember, “A man who pays his bills on time is soon forgotten.”  

-Oscar Wilde