In one sentence, describe what the following article is about: Year to date is a useful entry on your paycheck stub that can show you exactly how much you have earned, and how much has gone to taxes or withholdings, up to the current date of that pay stub. Use the year to date area of your paycheck stub to keep up-to-date and accurate financial records of your earnings. Each pay-stub will be unique. Beyond the more common items found on your pay-stub, there may appear additional items that you should look for. Insurance Deductions. Your company may take money directly from your earnings and place it into your insurance policy payment. If this is so, you can keep an accurate record of how much you have paid for insurance and when the payment was made. Retirement Plan. If your employer offers retirement plans, they may take automatic deductions from your pay and apply them to your plan. This can be a great way to save money for retirement and if your paycheck stub has this item, you can easily keep track of your contributions. Your plan may be labeled by the type of plan you are using such as 401(k), 403(b), profit sharing, or IRA. Time off. Some employers may enter the amount of time off you have used or have yet to use. This item, while not directly related to earnings, can still be useful in projecting how many hours of pay may be lost if taking time off. Additional notices. Employers will sometimes put important information regarding changes to pay policies on the paycheck stub. These will help keep you informed about any upcoming modifications that may affect your net earnings. Often times, your employer, or the payroll company they have hired, will make use of abbreviations on your paycheck stub to save space. Understanding these abbreviations will help you make better sense of the information presented. YTD: Year-to-Date FT or FWT: Federal Tax or Federal Tax Withheld ST or SWT: State Tax or State Tax Withheld SS or SSWT: Social Security or Social Security Tax Withheld MWT or Med: Medicare Tax Withheld
Summary: Look for the item labelled "Year to Date". Look for additional items that may appear. Learn what some common abbreviations mean.

In one sentence, describe what the following article is about: Skype is an internet-based service that allows you to make phone calls worldwide. To use Skype you'll first need to set up an account and download the software. Then, you'll need to use a microphone and headset to make the calls. Depending on what you sign up for, you may get free calls or need to pay a fee. The recipient of your phone calls will also need to sign-up and activate Skype in order for you to get the cheapest, easiest calls using Skype. FaceTime, WhatsApp, and Facebook Messenger can be quickly installed on your phone and used for international calling. Once you've downloaded the app, read over the instructions and directions to determine which option is the best for you. If you're using FaceTime, whoever you are calling also needs to be an iOS user. If you keep calling a certain number and it never connects, then it's possible that they've blocked all paid or out-of-country calls. This is something done by many people (and phone companies) to save on any associated fees. Send a quick email to the recipient letting them know to lift these restrictions.
Summary: Make the call with Skype. Make the call with an app. Make sure the recipient can receive international calls.

In one sentence, describe what the following article is about: There are several web businesses that offer USPS Certified Mail delivery. You shouldn't have to pay any monthly fees for an account. Look at the price for sending Certified Mail. Decide if the price is worth what you will pay for the service. Make sure that the service offers next-day USPS tracking for your letter. Check to see that the service provides proof of mailing and USPS proof of delivery. Write a letter in your word processing program. Print and sign it if needed. Alternatively, use a form provided by the recipient. Again, print the form and sign it as needed. Save the scanned document on your hard drive. Make sure that the document is legible and easy to read. The service will then address, print and mail the letter on the same business day.
Summary:
Sign up for a free account. Prepare your letter for mailing. Scan the document using a scanner. Upload your document file onto the website of your mailing service. Keep a copy of your proof of mailing as well as the USPS proof of delivery.