As a small-business owner, you may be thinking about outsourcing work to save time and expand your services. Before taking this step, make sure you ask contractors or companies to fill out a W-9 form.

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If you're a freelancer, consultant, or contractor, or are self-employed in some other capacity, there's a good chance you'll run across the IRS W9 form. It's not as well known as other tax forms, such ...