How can I tell if my chocolate is tempered?
If it has a shiny/reflective surface and doesn't melt or bloom (much) at room temperature or hand temperature, then it's already tempered. Virtually every packaged chocolate is already tempered.

Untempered chocolate generally needs to be refrigerated for longer-term storage, so if a package doesn't specify refrigeration (and I've never seen one that does), you can assume that it is tempered.