Jill A. Chafin is a personal finance writer specializing in transforming tough financial topics into easy-to-understand content with actionable steps. Prior to her role at Forbes Advisor, she wrote ...

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues ...

Forbes contributors publish independent expert analyses and insights. Admitted NY Bar and US Tax Court, covers US international tax law. Using the correct IRS form (W-9 for U.S. persons and W-8BEN for ...