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TAX SAVING YOU MUST KNOW ABOUT... HOW TO CUT YOUR TAXES; EASY STEPS TO PAY LESS AND SAVE
MORE ON INCOME TAX.- Business and financial news, Stock market, Investment, Real Estate, Mortgages.-
TAXES --- 2009-2010 TAX INFORMATION CENTER. The More You Know About Taxes;The Less tax You Pay, and
More Money You Will Receive From IRS. TAX ADVANCE CENTER --- FREE SERVICE...
'' -Income Tax Return Free Tax Filing, E-File For Rapid Refund-
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-Tax Saving Tips, HE MOST IMPORTANT TAX SAVING YOU MUST KNOW ABOUT.
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MORE ON INCOME TAX.- Business and financial news, Stock market, Investment, Real Estate, Mortgages.-
TAXES --- 2009-2010 TAX INFORMATION CENTER. The More You Know About Taxes;The Less tax You Pay, and
More Money You Will Receive From IRS. TAX ADVANCE CENTER --- FREE SERVICE...
'' -Income Tax Return Free Tax Filing, E-File For Rapid Refund-
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OBAMA AND YOUR MONEY:
What will the new President mean for your wallet? See where Barack Obama stands on major economic issues
ECONOMIC CRISIS RESPONSE
Obama wants to let savers tap into the retirement plans without early-withdrawal penalties:
· Temporarily allow penalty-free early withdrawals from IRAs and 401(k)s of up to 15% of the balance but not more than
$10,000.
· Temporarily suspend rule that seniors age 70 1/2 take required annual distribution from retirement account.
· Give temporary tax credit of $3,000 in 2009 and 2010 to companies for each new full-time employee it hires in the United
States.
· Temporarily eliminate taxes on unemployment benefits.
· Require financial institutions participating in bailout to put a 90-day moratorium on foreclosures for homeowners "acting in
good faith."
· Let federal government lend to state and municipal governments to help counter the budget crunch faced by states due to
the mortgage crisis.
"We must move forward, quickly and aggressively, with a middle-class rescue plan that will create jobs, provide relief to
families, help homeowners and restore our financial system." -- Obama*
What will the new President mean for your wallet? See where Barack Obama stands on major economic issues
ECONOMIC CRISIS RESPONSE
Obama wants to let savers tap into the retirement plans without early-withdrawal penalties:
· Temporarily allow penalty-free early withdrawals from IRAs and 401(k)s of up to 15% of the balance but not more than
$10,000.
· Temporarily suspend rule that seniors age 70 1/2 take required annual distribution from retirement account.
· Give temporary tax credit of $3,000 in 2009 and 2010 to companies for each new full-time employee it hires in the United
States.
· Temporarily eliminate taxes on unemployment benefits.
· Require financial institutions participating in bailout to put a 90-day moratorium on foreclosures for homeowners "acting in
good faith."
· Let federal government lend to state and municipal governments to help counter the budget crunch faced by states due to
the mortgage crisis.
"We must move forward, quickly and aggressively, with a middle-class rescue plan that will create jobs, provide relief to
families, help homeowners and restore our financial system." -- Obama*
SOCIAL SECURITY / OBAMA
To help shore up the system, Obama prefers to raise taxes.
· Opposes individual investment accounts.
· Against raising retirement age.
· Favors increasing the amount that workers making $250,000 or more pay into the system. Considering
plan to tax income over $250,000 at between 2% and 4% - half of which would be paid for by the
employee and half by the employer.
"We will not privatize Social Security, we will not raise the retirement age, and we will save Social
Security for future generations by asking the wealthiest Americans to pay their fair share."
To help shore up the system, Obama prefers to raise taxes.
· Opposes individual investment accounts.
· Against raising retirement age.
· Favors increasing the amount that workers making $250,000 or more pay into the system. Considering
plan to tax income over $250,000 at between 2% and 4% - half of which would be paid for by the
employee and half by the employer.
"We will not privatize Social Security, we will not raise the retirement age, and we will save Social
Security for future generations by asking the wealthiest Americans to pay their fair share."
PERSONAL TAXES / OBAMA
Lower-income earners benefit more than wealthy taxpayers under Obama's proposals.
· Leave all tax cuts in place for everyone except couples making more than $250,000 and single filers
making more than $200,000. Those high-income groups would see their top two income tax rates revert
to 36% and 39.6% from 33% and 35% respectively.
· Provide $1,000 tax cut for working couples making less than $250,000.
· Introduce other tax breaks for lower and middle-income households.
"We shouldn't be distorting our tax code to benefit a few powerful interests -- we should be insisting
that everyone pays their fair share, and when I'm president, they will.
Lower-income earners benefit more than wealthy taxpayers under Obama's proposals.
· Leave all tax cuts in place for everyone except couples making more than $250,000 and single filers
making more than $200,000. Those high-income groups would see their top two income tax rates revert
to 36% and 39.6% from 33% and 35% respectively.
· Provide $1,000 tax cut for working couples making less than $250,000.
· Introduce other tax breaks for lower and middle-income households.
"We shouldn't be distorting our tax code to benefit a few powerful interests -- we should be insisting
that everyone pays their fair share, and when I'm president, they will.
SMALL BUSINESS / OBAMA
Obama promises to help entrepreneurs with friendly tax policies.
· Expand the SBA's direct-lending Disaster Loan Program to extend loans to companies affected by the
economic downturn and credit crunch.
· Temporarily eliminate fees and increase the amount guaranteed by the government through the SBA's
7(a) and 504 programs, which insure lenders against defaults on small business loans.
· Extend the stimulus act's Section 179 tax deduction, which increased the amount businesses can write
off on their taxes for capital investments in new equipment, through 2009.
· Exempt investors from the capital gains tax on their investments in small businesses and startups if
they made their investment when a small company was valued below a certain threshold. That threshold
has yet to be defined.
· Offer a 50% refundable credit for employee health insurance premiums paid by the employer.
Obama promises to help entrepreneurs with friendly tax policies.
· Expand the SBA's direct-lending Disaster Loan Program to extend loans to companies affected by the
economic downturn and credit crunch.
· Temporarily eliminate fees and increase the amount guaranteed by the government through the SBA's
7(a) and 504 programs, which insure lenders against defaults on small business loans.
· Extend the stimulus act's Section 179 tax deduction, which increased the amount businesses can write
off on their taxes for capital investments in new equipment, through 2009.
· Exempt investors from the capital gains tax on their investments in small businesses and startups if
they made their investment when a small company was valued below a certain threshold. That threshold
has yet to be defined.
· Offer a 50% refundable credit for employee health insurance premiums paid by the employer.
ENERGY SECURITY / OBAMA
Obama supports a carbon "cap-and-trade" system where companies either pay to pollute or invest in
cleaner technology.
· Work to reduce carbon emissions 80% below 1990 levels by 2050.
· Invest $150 billion in renewable energy over the next 10 years.
· Allow limited amount of offshore drilling.
· Require that 10% of nation's energy comes from renewable sources by 2013.
· Aim to reduce nation's demand for electricity 15% by 2020.
"To bring about real change, we're going to have to make long-term investments in clean energy and
energy efficiency
Obama supports a carbon "cap-and-trade" system where companies either pay to pollute or invest in
cleaner technology.
· Work to reduce carbon emissions 80% below 1990 levels by 2050.
· Invest $150 billion in renewable energy over the next 10 years.
· Allow limited amount of offshore drilling.
· Require that 10% of nation's energy comes from renewable sources by 2013.
· Aim to reduce nation's demand for electricity 15% by 2020.
"To bring about real change, we're going to have to make long-term investments in clean energy and
energy efficiency
FIGHTING FORECLOSURE
Obama wants the government to step in to help homeowners facing foreclosure.
· Allow troubled homeowners to refinance to a loan insured by the Federal Housing Administration.
· Require any financial institution participating in Treasury's Troubled Asset Relief Program to put a 90-day
moratorium on foreclosures for homeowners "acting in good faith."
· Create a 10% tax credit for homeowners who do not itemize their taxes.
· Create a $10 billion fund to help victims of predatory loans.
· Authorize bankruptcy judges to reduce mortgage principal.
"...If the government can bail out investment banks on Wall Street, then we can extend a hand to folks
who are struggling on Main Street." -- Obama
--------------------------------------------------------------------------------------------
BUDGET DEFICIT
Now that the government has committed over $1 trillion to stabilize the financial system and economic
growth is expected to slow, the country's growing deficits aren't something the next president can ignore.
Obama has spoken of the need to restore fiscal responsibility while in the same breath promising more
tax cuts and proposing spending cuts that are hard to achieve.
· Enforce budget rules that would require that new spending be paid for by cuts to other programs or new
revenue.
· Reduce spending on earmarks to no greater than 2001 levels and require more transparency on such
spending.
· Help pay for new proposals by drawing down troops in Iraq war, raising taxes on high-income filers and
cutting certain corporate loopholes.
"Once we get through this economic crisis ... we're not going to be able to go back to our profligate
ways. We're going to have to embrace a culture and an ethic of responsibility, all of us, corporations, the
federal government, and individuals out there who may be living beyond their means." -- Obama*
-----------------------------------------------------------------------------------
Obama wants the government to step in to help homeowners facing foreclosure.
· Allow troubled homeowners to refinance to a loan insured by the Federal Housing Administration.
· Require any financial institution participating in Treasury's Troubled Asset Relief Program to put a 90-day
moratorium on foreclosures for homeowners "acting in good faith."
· Create a 10% tax credit for homeowners who do not itemize their taxes.
· Create a $10 billion fund to help victims of predatory loans.
· Authorize bankruptcy judges to reduce mortgage principal.
"...If the government can bail out investment banks on Wall Street, then we can extend a hand to folks
who are struggling on Main Street." -- Obama
--------------------------------------------------------------------------------------------
BUDGET DEFICIT
Now that the government has committed over $1 trillion to stabilize the financial system and economic
growth is expected to slow, the country's growing deficits aren't something the next president can ignore.
Obama has spoken of the need to restore fiscal responsibility while in the same breath promising more
tax cuts and proposing spending cuts that are hard to achieve.
· Enforce budget rules that would require that new spending be paid for by cuts to other programs or new
revenue.
· Reduce spending on earmarks to no greater than 2001 levels and require more transparency on such
spending.
· Help pay for new proposals by drawing down troops in Iraq war, raising taxes on high-income filers and
cutting certain corporate loopholes.
"Once we get through this economic crisis ... we're not going to be able to go back to our profligate
ways. We're going to have to embrace a culture and an ethic of responsibility, all of us, corporations, the
federal government, and individuals out there who may be living beyond their means." -- Obama*
-----------------------------------------------------------------------------------
Financial News, Business News, Market News. 11 Great Things to Do With Your Money
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in Financial Crisis, in Difficult Economic Time!
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KNOWLEDGEFINANCIAL.COM Credit card curbs a done deal Over bank industry objections, House passes bill that curtails fees and rate hikes. Obama will sign it on Friday the 22 of May, 2009. KNOWLEDGEFINANCIAL.COM WASHINGTON -- Congress on Wednesday May 20, 2009 sent to President Obama a bill that makes it tougher for credit card issuers to raise fees and interest rates. The move caps a years-long crusade by consumer groups and Democrats to rein in what they say are abusive practices that prey on consumers. The approval came despite strong objections by banking industry advocates, who say it could result in tightened credit to Americans. The House voted 361-64 in favor and also approved by 279-147 an unrelated measure allowing people to carry guns into national parks. The Senate passed the credit card bill, along with the unrelated gun measure, by a 90-5 vote on Tuesday. --------KNOWLEDGEFINANCIAL.COM President Obama will signed the bill. knowledgefinancial.com The credit card rules would take effect in February. The bill is moderately tougher on banks and card issuers than are new Federal Reserve rules set to take effect July 2010. The legislation makes it harder for people under age 21 to get credit cards. It would also ban rate hikes unless a consumer is more than 60 days late -- and then restore the previous rate after six months if minimum payments are made. Some people said the bill marks a major loss for the banking industry. The American Bankers Association said the legislation would prompt banks to reinstate annual fees and higher interest rates for all card holders, an outcome that would penalize those with good credit who pay their bills on time. "At a time when Americans are struggling to pay their mortgages, groceries and health care costs, why would we want to make credit more expensive and less available?" said Rep. Jeb Hensarling, R-Texas at the time. The credit card legislation has been a long work in progress. The House passed a bill in 2008 and In recent months, credit card companies have been raising fees and interest rates. From November 2008 to February 2009, rates increased from an average to 13.08% from 12.02%, according to a Federal Reserve Board report. At the same time, more people are not able to make their credit cards payments and are walking away from debt, according to a Federal Reserve report. However, Treasury Secretary 2009, Tim Geithner said, he was not concerned about a consumer debt "bubble." "Americans are going to be reducing how much they borrow, improving their balance sheets, saving more," he said. "Banks are still going to have losses they're going to have to adjust to. And that's what's going to make the process of repair here longer .... But that's a necessary, healthy process of adjustment for us to go through."KNOWLEDGEFINANCIAL.COM |
GOVERNMENTS GENERAL INFORMATION CENTER: MIAMI DADE COUNTY,
BROWARD COUNTY, MONROE COUNTY, PALM BEACH COUNTY, STATE OF
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You name it, You get it
You need it, You find
You want it, Search for it!
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Utilizing home buyer credit to assist at closing
As for the Federal Program you will need to fill out IRS Form 5404 and turn it in
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www.irs.gov/pub/irs-pdf/f5404.pdf
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Utilizing home buyer credit to assist at closing
As for the Federal Program you will need to fill out IRS Form 5404 and turn it in
with you tax return. You can down load the form from this link.
www.irs.gov/pub/irs-pdf/f5404.pdf
You can search here to find out witch cities or counties who have the money
to help you purchase your real estate property. FIND OUT NOW; RIGHT HERE...
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| '' Undelivered tax refunds total $153.3 million: IRS: KNOWLEDGEFINANCIAL.CO ''Missing your tax refund this year? The check may be waiting at the Internal Revenue Service, the U.S. tax collection agency said on Wednesday. There are 99,123 taxpayers who are due a refund check that could not be delivered because of mailing address errors, the IRS said. The average check is for $1,547 this year for a total of $153.3 million. Last year, more than 78.4 million taxpayers bypassed the post office and chose to receive refunds via direct deposit. In fiscal year 2011, the IRS sent out 199 million individual tax refunds for a total of $358 billion. KNOWLEDGEFINANCIAL.COM IRS Seeks 99,123 Taxpayers for Unclaimed Money The Internal Revenue Service says it is looking for 99,123 taxpayers to deliver $153.3 million in unclaimed tax refund checks due to mailing address errors. In an annual reminder to taxpayers on Wednesday, the IRS said the undelivered refund checks average $1,547 this year. Those who believe they have yet to receive their refund can use the IRS’ online tool, Where’s My Refund? or call the telephone version at 1-800-829-1954 for the status of their tax refunds. The IRS suggests taxpayers file their tax returns electronically, or at least choose direct deposit through their banks to receive refunds when they file paper or electronic tax returns. Nearly eight out of 10 taxpayers chose to file their returns electronically through e-file last year. The federal agency said more than 78.4 million taxpayers chose to receive their refund through direct deposit. Taxpayers who receive refunds can split them into two or three financial accounts or buy a U.S. savings bond. About 45,000 Americans have saved $11 million in U.S. Savings Bonds at tax time with a portion of their tax refund, with an average of $244 per family, according to the Doorways to Dreams (D2D) Fund. The nonprofit, based in Allston, Mass., makes financial products for low and moderate income consumers and raised awareness to encourage Americans to invest a part of their return through The Tax Time Savings Bond Campaign. Timothy Flacke, executive director of the D2D Fund, said it is likely a large number of the 99,123 taxpayers who are missing their tax refunds are more financially vulnerable — either “unbanked,” those without a bank account, or “underbanked,” those who rely on alternative financial institutions like check cashiers for banking needs. In testing pilot programs with lower income households in the range of $0 to $45,000, Flacke found turnover in addresses in that population is very high. According to the D2D Fund, 73 percent of the 2011 users of the tax time savings bond policy had household incomes, or adjusted gross income, below $50,000. |
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REAL ESTATE SERVICE IN SOUTH FLORIDA: CALL AT: 786-709-6577
HOME-BUYING AND HOME-SELLING!...
LET A PROFESSIONAL REALTOR ASSIST YOU IN YOUR HOME BUYING & HOME
SELLING PROCESS.
SOUTH FLORIDA, CALL Mr. ANTONY
AT: 786-709-6577
--------------------------------------------------------------
WANT TO PURCHASE A PROPERTY, BUT YOU NEED FINANCE GUESS WHAT?
WE CAN HELP YOU ACHIEVE YOUR GOAL
. OR YOU NEED TO REFINANCE A PROPERTY AT A LOWER RATE...
SOUTH FLORIDA, THIS NUMBER IS FOR YOU: 786-709-6577
--------------------------------------------------------------
WANT TO SELL A PROPERTY FAST, QUICK & FOR THE TOP PRICE...
ATTENTION SOUTH FLORIDA, THIS NUMBER IS FOR YOU! 786-709-6577 .
----------------------------------------------
SELL YOUR PROPERTY NOW; TOP PRICE. We can help you sell your property.
CALL Mr. ANTHONY
AT: 786-709-6577 --- Fortune International Realty
------------------------------------
SELL A PROPERTY FAST & QUICK FOR THE TOP PRICE!
“IT’S THE AFFAIR OF A REAL ESTATE PROFESSIONAL”
BUY A GREAT PROPERTY IN A GREAT LOCATION BELOW MARKET VALUE,
MEANING: MORE SAVING, MORE MONEY IN YOUR POCKET.
CALL AT: 786-709-6577
WWW.KNOWLEDGEFINANCIAL.COM
HOME-BUYING AND HOME-SELLING!...
LET A PROFESSIONAL REALTOR ASSIST YOU IN YOUR HOME BUYING & HOME
SELLING PROCESS.
SOUTH FLORIDA, CALL Mr. ANTONY
AT: 786-709-6577
--------------------------------------------------------------
WANT TO PURCHASE A PROPERTY, BUT YOU NEED FINANCE GUESS WHAT?
WE CAN HELP YOU ACHIEVE YOUR GOAL
. OR YOU NEED TO REFINANCE A PROPERTY AT A LOWER RATE...
SOUTH FLORIDA, THIS NUMBER IS FOR YOU: 786-709-6577
--------------------------------------------------------------
WANT TO SELL A PROPERTY FAST, QUICK & FOR THE TOP PRICE...
ATTENTION SOUTH FLORIDA, THIS NUMBER IS FOR YOU! 786-709-6577 .
----------------------------------------------
SELL YOUR PROPERTY NOW; TOP PRICE. We can help you sell your property.
CALL Mr. ANTHONY
AT: 786-709-6577 --- Fortune International Realty
------------------------------------
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,,The Citadelle Laferrière or, Citadelle
Henri Christophe, or simply the Citadelle .
LEARN MORE ABOUT THIS GIANT HAITI FORTRESS
THE GREATEST INGENUIYING STRUCTURE IN HAITI.
KNOWLEDGEFINANCIAL.COM
Henri Christophe, or simply the Citadelle .
LEARN MORE ABOUT THIS GIANT HAITI FORTRESS
THE GREATEST INGENUIYING STRUCTURE IN HAITI.
KNOWLEDGEFINANCIAL.COM
,,CITADELLE HAITI, WHAT IS IT?
Citadelle Laferriere is the largest fortress in the Western hemisphere, and is a site well
worth visiting, even if it is a bit out of the way. The Citadelle Laferriere stands atop Bonnet
a L’Eveque, a 3000 foot (900m) mountain, miles off of the coast. From this peak, a great
deal of Haiti is visible. The city of Cap-Haitien, more than 17 miles (27km) away, can be
seen, as can the ocean. In fact, it is said that on a clear day one can see the coast of Cuba,
more than 90 miles (145km) away, from the Citadelle Laferriere. LEARN MORE...
Citadelle Laferriere is the largest fortress in the Western hemisphere, and is a site well
worth visiting, even if it is a bit out of the way. The Citadelle Laferriere stands atop Bonnet
a L’Eveque, a 3000 foot (900m) mountain, miles off of the coast. From this peak, a great
deal of Haiti is visible. The city of Cap-Haitien, more than 17 miles (27km) away, can be
seen, as can the ocean. In fact, it is said that on a clear day one can see the coast of Cuba,
more than 90 miles (145km) away, from the Citadelle Laferriere. LEARN MORE...
HAITIPAGE 1-..PORT AU PRINCE HAITI, JACMEL,
AND OTHER CITIES. LEARN MORE...
HAITI HAS BEEN DEVASTATED BEYOND
IMAGINATION BY AN EARTHQUAKE TUESDAY
JANUARY 12, 2010. TOTAL DISASTER. HAITI PAGE
1-- THE
SITUATION IS CATASTROPHIC EVERYWHERE. CAN
YOU HELP SOMEHOW!
..HAITI PAGE-2. We will continually be updating this
page. If you have more
information about how people can get involved in
relief efforts,
leave a comment or e-mail us at:
onebless2me@yahoo.com --
LEARN MORE-PAGE 2..
HAITI earthquake It is a catastrophe beyond
measure. HAITI PAGE 3 ... This situation is
something far beyond anything the country has ever
experienced before.
Haiti's capital shattered by powerful earthquake...
brought down by the
strongest earthquake to hit this poor Caribbean
nation in more than 200
years. PAGE 3-- LEARN MORE...
.. HAITI PAGE 4... Haiti's capital city
PORT-AU-PRINCE devastated by major
earthquake Tuesday January 12, 2010 about 4:50
pm. HAITI EARTHQUAKE PAGE 4--
Celebrities, companies, sports teams and regular
Americans are
mobilizing to help Haiti with an outpouring of
generosity that
could exceed private donations made after
Hurricane Katrina
and the 2004 Asian tsunami. HAITI PAGE 4...
,,HAITI NEWS UPDATE PAGE 5...
HAITI NEWS UPDATE AFTERMATH OF THE
GREATEST DISASTER IN HISTORY OF THE
AMERICAN CONTINENT. LEARN MORE...
AND OTHER CITIES. LEARN MORE...
HAITI HAS BEEN DEVASTATED BEYOND
IMAGINATION BY AN EARTHQUAKE TUESDAY
JANUARY 12, 2010. TOTAL DISASTER. HAITI PAGE
1-- THE
SITUATION IS CATASTROPHIC EVERYWHERE. CAN
YOU HELP SOMEHOW!
..HAITI PAGE-2. We will continually be updating this
page. If you have more
information about how people can get involved in
relief efforts,
leave a comment or e-mail us at:
onebless2me@yahoo.com --
LEARN MORE-PAGE 2..
HAITI earthquake It is a catastrophe beyond
measure. HAITI PAGE 3 ... This situation is
something far beyond anything the country has ever
experienced before.
Haiti's capital shattered by powerful earthquake...
brought down by the
strongest earthquake to hit this poor Caribbean
nation in more than 200
years. PAGE 3-- LEARN MORE...
.. HAITI PAGE 4... Haiti's capital city
PORT-AU-PRINCE devastated by major
earthquake Tuesday January 12, 2010 about 4:50
pm. HAITI EARTHQUAKE PAGE 4--
Celebrities, companies, sports teams and regular
Americans are
mobilizing to help Haiti with an outpouring of
generosity that
could exceed private donations made after
Hurricane Katrina
and the 2004 Asian tsunami. HAITI PAGE 4...
,,HAITI NEWS UPDATE PAGE 5...
HAITI NEWS UPDATE AFTERMATH OF THE
GREATEST DISASTER IN HISTORY OF THE
AMERICAN CONTINENT. LEARN MORE...
THE MOST IMPORTANT TAX SAVING YOU MUST KNOW
ABOUT...
HOW TO CUT YOUR TAXES; EASY STEPS...
Here's how to make sure you don't pay more than your
fair share of income tax...
Tips for Taxpayers Hit by the Recession
Discharged Debt. Normally, if a portion of your mortgage debt is forgiven, the amount
erased is considered taxable income. But Congress has temporarily lifted that rule for
debts wiped out on your primary home. So if your lender restructured your loan and
reduced the amount, or you had debt forgiven as part of a foreclosure, you will not owe
taxes on that amount -- up to $2 million, or $1 million for married people filing separately --
as long as the debt reduction occurred from 2007 to 2012
-------------------------------------------KNOWLEDGEFINANCIAL.COM
TIPS FOR INDIVIDUAL RETIREMENT ACCOUNT
I.R.A. and 401(k) Withdrawals. Taxpayers who tapped their I.R.A. (and did not repay it
within 60 days) will owe income taxes. Those under age 59 ½ will also owe a 10 percent
penalty.
There are some cases where the penalty is waived. If, for instance, you used the money
to pay for your medical insurance after you lost your job, according to the I.R.S., you
would not pay a penalty.
Participants in 401(k) plans are subject to similar rules, though withdrawals that are
deemed qualifying hardships -- like costs tied to foreclosure, eviction and education -- are
still subject to the penalty if made before age 59 ½. But you can take penalty-free
withdrawals if you left your job the year you turned 55 or later.
Roth I.R.A.'s can be tapped without penalty, as long as you withdraw your own
contributions and not investment earnings.
KNOWLEDGEFINANCIAL.COM
ABOUT...
HOW TO CUT YOUR TAXES; EASY STEPS...
Here's how to make sure you don't pay more than your
fair share of income tax...
Tips for Taxpayers Hit by the Recession
Discharged Debt. Normally, if a portion of your mortgage debt is forgiven, the amount
erased is considered taxable income. But Congress has temporarily lifted that rule for
debts wiped out on your primary home. So if your lender restructured your loan and
reduced the amount, or you had debt forgiven as part of a foreclosure, you will not owe
taxes on that amount -- up to $2 million, or $1 million for married people filing separately --
as long as the debt reduction occurred from 2007 to 2012
-------------------------------------------KNOWLEDGEFINANCIAL.COM
TIPS FOR INDIVIDUAL RETIREMENT ACCOUNT
I.R.A. and 401(k) Withdrawals. Taxpayers who tapped their I.R.A. (and did not repay it
within 60 days) will owe income taxes. Those under age 59 ½ will also owe a 10 percent
penalty.
There are some cases where the penalty is waived. If, for instance, you used the money
to pay for your medical insurance after you lost your job, according to the I.R.S., you
would not pay a penalty.
Participants in 401(k) plans are subject to similar rules, though withdrawals that are
deemed qualifying hardships -- like costs tied to foreclosure, eviction and education -- are
still subject to the penalty if made before age 59 ½. But you can take penalty-free
withdrawals if you left your job the year you turned 55 or later.
Roth I.R.A.'s can be tapped without penalty, as long as you withdraw your own
contributions and not investment earnings.
KNOWLEDGEFINANCIAL.COM
HAVING PROBLEMS TO PAY YOUR TAXES...
Can't Pay Taxes. If you can't afford to pay your taxes, you should still file your return on
time and pay as much as you can to avoid penalties and interest, the I.R.S. said. But
call the I.R.S. to see whether you can get an extension, a payment plan or other relief.
------------------------------------------KNOWLEDGEFINANCIAL.COM
Unemployment.
The good news is that unemployment benefits were extended last year. The bad news is
that those benefits are taxable. Your tax bracket is based on total income, including any
money earned before you were laid off.
"That catches a lot of people off guard," You should receive a 1099-G that will show
what you received from unemployment and any tax you elected to have withheld. If you
didn't elect to withhold taxes, you may owe them now. Severance and pay for vacation
or sick time is also taxable.
-----------------------------------------------------------------
More Deductions.
When you income drops, you're more likely to qualify for certain tax breaks that phase
out if you earn too much money. Tax professionals said that more people are qualifying
for the Earned Income Tax Credit, which is aimed at working people and families with
low incomes:
-------------------------------------------KNOWLEDGEFINANCIAL.COM
Finance & Investing
State Sales Taxes
This write-off makes sense primarily for those who live in states that do not impose an
income tax. You must choose between deducting state and local income taxes or state
and local sales taxes. For most citizens of income-tax states, the income-tax deduction
is a better deal.
If you purchased a vehicle, boat, airplane or home-building materials, you get to add the
state sales tax you paid to the amount shown in IRS tables for your state, to the extent
the sales tax rate you paid doesn't exceed the state's general sales tax rate. The IRS
even has a calculator on its Web site to help you figure the deduction, which varies by
your state and income level.
Can't Pay Taxes. If you can't afford to pay your taxes, you should still file your return on
time and pay as much as you can to avoid penalties and interest, the I.R.S. said. But
call the I.R.S. to see whether you can get an extension, a payment plan or other relief.
------------------------------------------KNOWLEDGEFINANCIAL.COM
Unemployment.
The good news is that unemployment benefits were extended last year. The bad news is
that those benefits are taxable. Your tax bracket is based on total income, including any
money earned before you were laid off.
"That catches a lot of people off guard," You should receive a 1099-G that will show
what you received from unemployment and any tax you elected to have withheld. If you
didn't elect to withhold taxes, you may owe them now. Severance and pay for vacation
or sick time is also taxable.
-----------------------------------------------------------------
More Deductions.
When you income drops, you're more likely to qualify for certain tax breaks that phase
out if you earn too much money. Tax professionals said that more people are qualifying
for the Earned Income Tax Credit, which is aimed at working people and families with
low incomes:
-------------------------------------------KNOWLEDGEFINANCIAL.COM
Finance & Investing
State Sales Taxes
This write-off makes sense primarily for those who live in states that do not impose an
income tax. You must choose between deducting state and local income taxes or state
and local sales taxes. For most citizens of income-tax states, the income-tax deduction
is a better deal.
If you purchased a vehicle, boat, airplane or home-building materials, you get to add the
state sales tax you paid to the amount shown in IRS tables for your state, to the extent
the sales tax rate you paid doesn't exceed the state's general sales tax rate. The IRS
even has a calculator on its Web site to help you figure the deduction, which varies by
your state and income level.
Finance & Investing
Reinvested Dividends
This is the break former IRS Commissioner Fred Goldberg told Kiplinger's that a lot of
taxpayers miss.
If, like most investors, you have mutual-fund dividends automatically invested in extra
shares, remember that each reinvestment increases your "tax basis" in the fund. That, in
turn, reduces the taxable capital gain when you redeem shares.
Forgetting to include the reinvested dividends in your basis -- which you subtract from
the sale proceeds to pinpoint your gain -- means overpaying your tax.
-----------------------------------------------------
Out-of-Pocket ---TAXES, TAXES...
Charitable Deductions
You can write off out-of-pocket costs incurred while doing good works.
The money you spend on ingredients for casseroles you prepared for a soup kitchen, for
example, or on stamps you buy for your school's fund-raiser counts as a charitable
contribution.
Also, if you drove your car for charity in 2009, remember to deduct 14 cents per mile.
-----------------------------------------------
Student-Loan Interest
Paid by Mom and Dad
Generally, you can only deduct mortgage or student-loan interest if you are legally
required to repay the debt. But if parents pay back a child's student loan, the IRS treats it
as though the money was given to the child, who then paid the debt.
A child who’s not claimed as a dependent can qualify to deduct up to $2,500 of student-
loan interest paid by Mom and Dad. And he or she doesn't have to itemize to use this
money-saver.-----//--- KNOWLEDGEFINANCIAL.COM
Reinvested Dividends
This is the break former IRS Commissioner Fred Goldberg told Kiplinger's that a lot of
taxpayers miss.
If, like most investors, you have mutual-fund dividends automatically invested in extra
shares, remember that each reinvestment increases your "tax basis" in the fund. That, in
turn, reduces the taxable capital gain when you redeem shares.
Forgetting to include the reinvested dividends in your basis -- which you subtract from
the sale proceeds to pinpoint your gain -- means overpaying your tax.
-----------------------------------------------------
Out-of-Pocket ---TAXES, TAXES...
Charitable Deductions
You can write off out-of-pocket costs incurred while doing good works.
The money you spend on ingredients for casseroles you prepared for a soup kitchen, for
example, or on stamps you buy for your school's fund-raiser counts as a charitable
contribution.
Also, if you drove your car for charity in 2009, remember to deduct 14 cents per mile.
-----------------------------------------------
Student-Loan Interest
Paid by Mom and Dad
Generally, you can only deduct mortgage or student-loan interest if you are legally
required to repay the debt. But if parents pay back a child's student loan, the IRS treats it
as though the money was given to the child, who then paid the debt.
A child who’s not claimed as a dependent can qualify to deduct up to $2,500 of student-
loan interest paid by Mom and Dad. And he or she doesn't have to itemize to use this
money-saver.-----//--- KNOWLEDGEFINANCIAL.COM
Moving Expenses //-----------KNOWLEDGEFINANCIAL.COM
for a New Job
Job-hunting expenses incurred while looking for your first job are not deductible, but moving
expenses to get to that position are. And you get this write-off even if you don't itemize.
If you moved more than 50 miles, you can deduct the cost of getting yourself and your household
goods to the new area, including 24 cents per mile for driving your own vehicle for a 2009 move,
plus parking fees and tolls. The same holds true for any new job you take.
-------------------------------------------------
Military Reservists’
Travel Expenses
Members of the National Guard or military reserve may tap a deduction for travel expenses to drills
or meetings. To qualify, you must travel more than 100 miles from home and be away from home
overnight.
If you qualify, you can deduct the cost of lodging and half the cost of your meals, plus 55 cents per
mile for driving your own car to get to and from 2009 drills. In any event, add parking fees or tolls.
You get this deduction regardless of whether you itemize.
KNOWLEDGEFINANCIAL.COM
for a New Job
Job-hunting expenses incurred while looking for your first job are not deductible, but moving
expenses to get to that position are. And you get this write-off even if you don't itemize.
If you moved more than 50 miles, you can deduct the cost of getting yourself and your household
goods to the new area, including 24 cents per mile for driving your own vehicle for a 2009 move,
plus parking fees and tolls. The same holds true for any new job you take.
-------------------------------------------------
Military Reservists’
Travel Expenses
Members of the National Guard or military reserve may tap a deduction for travel expenses to drills
or meetings. To qualify, you must travel more than 100 miles from home and be away from home
overnight.
If you qualify, you can deduct the cost of lodging and half the cost of your meals, plus 55 cents per
mile for driving your own car to get to and from 2009 drills. In any event, add parking fees or tolls.
You get this deduction regardless of whether you itemize.
KNOWLEDGEFINANCIAL.COM
Child-Care Credit
It's easy to overlook the child-care credit if you pay your child-care bills through a reimbursement
account at work. Although only $5,000 of such expenses can be paid through a tax-favored
reimbursement account, up to $6,000 (for the care of two or more children) can qualify for the credit.
So, if you run the maximum allowed by your work plan, you can claim the credit on as much as
$1,000 of additional expenses you pay for work-related child care. That would cut your tax bill by at
least $200.
-------------------------------------------------------KNOWLEDGEFINANCIAL.COM
Estate Tax on Income
In Respect of a Decedent
This sounds complicated, but it can save you a lot of money if you inherited an IRA from someone
whose estate was big enough to be subject to the federal estate tax. Basically, you get an
income-tax deduction for the amount of estate tax paid on the IRA assets you received. Let's say
you inherited a $100,000 IRA, and the fact that the money was included in your benefactor's estate
added $45,000 to the estate-tax bill.
You get to deduct that $45,000 on your tax returns as you withdraw the money from the IRA. If you
withdraw $50,000 in one year, for example, you get to claim a $22,500 itemized deduction on
Schedule A. That would save you $6,300 in the 28% bracket.
----------------------------------------------------------
Refinancing Points
When you buy a house, you get to deduct points paid to get your mortgage in one fell swoop. When
you refinance a mortgage, though, you have to deduct the points over the life of the loan. That
means you can deduct 1/30th of the points a year if it's a 30-year mortgage -- that's $33 a year for
each $1,000 of points you paid. Not much, maybe, but don't throw it away.
Even more important, in the year you pay off the loan -- because you sell the house or refinance
again -- you get to deduct all as-yet-undeducted points.
There's one exception to this sweet rule: If you refinance a refinanced loan with the same lender,
you add the points paid on the latest deal to the leftovers from the previous refinancing ... and
deduct the amount gradually over the life of the new loan.
It's easy to overlook the child-care credit if you pay your child-care bills through a reimbursement
account at work. Although only $5,000 of such expenses can be paid through a tax-favored
reimbursement account, up to $6,000 (for the care of two or more children) can qualify for the credit.
So, if you run the maximum allowed by your work plan, you can claim the credit on as much as
$1,000 of additional expenses you pay for work-related child care. That would cut your tax bill by at
least $200.
-------------------------------------------------------KNOWLEDGEFINANCIAL.COM
Estate Tax on Income
In Respect of a Decedent
This sounds complicated, but it can save you a lot of money if you inherited an IRA from someone
whose estate was big enough to be subject to the federal estate tax. Basically, you get an
income-tax deduction for the amount of estate tax paid on the IRA assets you received. Let's say
you inherited a $100,000 IRA, and the fact that the money was included in your benefactor's estate
added $45,000 to the estate-tax bill.
You get to deduct that $45,000 on your tax returns as you withdraw the money from the IRA. If you
withdraw $50,000 in one year, for example, you get to claim a $22,500 itemized deduction on
Schedule A. That would save you $6,300 in the 28% bracket.
----------------------------------------------------------
Refinancing Points
When you buy a house, you get to deduct points paid to get your mortgage in one fell swoop. When
you refinance a mortgage, though, you have to deduct the points over the life of the loan. That
means you can deduct 1/30th of the points a year if it's a 30-year mortgage -- that's $33 a year for
each $1,000 of points you paid. Not much, maybe, but don't throw it away.
Even more important, in the year you pay off the loan -- because you sell the house or refinance
again -- you get to deduct all as-yet-undeducted points.
There's one exception to this sweet rule: If you refinance a refinanced loan with the same lender,
you add the points paid on the latest deal to the leftovers from the previous refinancing ... and
deduct the amount gradually over the life of the new loan.
Jury Pay Paid to Employer //----KNOWLEDGEFINANCIAL.COM
Many employers continue to pay employees' full salary while they serve on jury duty, and some
require the employees to turn over their jury fees to the company coffers. The only problem is that the
IRS demands that you report those fees as taxable income. To even things out, you get to deduct the
amount paid to your employer.
But how do you do it? There's no line on Form 1040 labeled "jury fees." Instead the write-off goes on
line 36, which purports to be for simply totaling up the deductions that get their own lines. Add your
jury fees to the total of your other write-offs, and write "jury pay" on the dotted line.
------------------------------------------------
Property-Tax Deduction
for Non-Itemizers
This break, new in 2008, also works in 2009, but millions of taxpayers who claim the standard
deduction may miss it. Normally, to write off property taxes, you must itemize deductions. But this
new rule lets homeowners who don’t itemize boost their standard-deduction amount by up to $500
for single taxpayers or up to $1,000 for married taxpayers filing jointly to account for property taxes
paid on the home during 2009.
You’ll need to include extra paperwork – a Schedule L – with your 2009 tax return to get this break.
----------------------------------------------------KNOWLEDGEFINANCIAL.COM
College Credit for
Junior and Senior Years
Parents of college kids know the $2,000 Hope credit is just for the first two years of college; after
that, the lower Lifetime Learning credit applies. But wait! That’s not how it works for 2009.
Instead, the credit has been renamed, increased and expanded. It’s now called the American
Opportunity Credit, and it will rebate up to $2,500 for each qualifying student for the first four years of
college. The full credit is available to individuals whose modified adjusted gross income is $80,000
or less, or $160,000 or less for married couples filing a joint return. The credit is phased out for
taxpayers with incomes above these levels. These income limits are higher than last year.
------------------------------------------------------------
Sales-Tax Deduction
for New Vehicles
Taxpayers who buy a new car, truck, motorcycle or motor home after February 16, 2009, and by the
end of the year can deduct the sales tax paid on the purchase either as an itemized deduction or, if
they don't itemize as a supercharged standard deduction. Sales tax paid on the first $49,500 of cost
qualifies. The benefit begins phasing out for married couples with adjusted gross incomes over
$250,000 and singles with adjusted gross incomes over $125,000, and is completely gone for single
filers with AGI of $135,000 or more or joint filers with AGI of at least $260,000.
Non-itemizers need to file a Schedule L with their return to get the benefit; itemizers who elect to
deduct state income taxes will claim the car sales tax as a separate itemized deduction.
--------------------------------------------------------KNOWLEDGEFINANCIAL.COM
Many employers continue to pay employees' full salary while they serve on jury duty, and some
require the employees to turn over their jury fees to the company coffers. The only problem is that the
IRS demands that you report those fees as taxable income. To even things out, you get to deduct the
amount paid to your employer.
But how do you do it? There's no line on Form 1040 labeled "jury fees." Instead the write-off goes on
line 36, which purports to be for simply totaling up the deductions that get their own lines. Add your
jury fees to the total of your other write-offs, and write "jury pay" on the dotted line.
------------------------------------------------
Property-Tax Deduction
for Non-Itemizers
This break, new in 2008, also works in 2009, but millions of taxpayers who claim the standard
deduction may miss it. Normally, to write off property taxes, you must itemize deductions. But this
new rule lets homeowners who don’t itemize boost their standard-deduction amount by up to $500
for single taxpayers or up to $1,000 for married taxpayers filing jointly to account for property taxes
paid on the home during 2009.
You’ll need to include extra paperwork – a Schedule L – with your 2009 tax return to get this break.
----------------------------------------------------KNOWLEDGEFINANCIAL.COM
College Credit for
Junior and Senior Years
Parents of college kids know the $2,000 Hope credit is just for the first two years of college; after
that, the lower Lifetime Learning credit applies. But wait! That’s not how it works for 2009.
Instead, the credit has been renamed, increased and expanded. It’s now called the American
Opportunity Credit, and it will rebate up to $2,500 for each qualifying student for the first four years of
college. The full credit is available to individuals whose modified adjusted gross income is $80,000
or less, or $160,000 or less for married couples filing a joint return. The credit is phased out for
taxpayers with incomes above these levels. These income limits are higher than last year.
------------------------------------------------------------
Sales-Tax Deduction
for New Vehicles
Taxpayers who buy a new car, truck, motorcycle or motor home after February 16, 2009, and by the
end of the year can deduct the sales tax paid on the purchase either as an itemized deduction or, if
they don't itemize as a supercharged standard deduction. Sales tax paid on the first $49,500 of cost
qualifies. The benefit begins phasing out for married couples with adjusted gross incomes over
$250,000 and singles with adjusted gross incomes over $125,000, and is completely gone for single
filers with AGI of $135,000 or more or joint filers with AGI of at least $260,000.
Non-itemizers need to file a Schedule L with their return to get the benefit; itemizers who elect to
deduct state income taxes will claim the car sales tax as a separate itemized deduction.
--------------------------------------------------------KNOWLEDGEFINANCIAL.COM
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING
TAX SAVING-- CONTINUE BELOW
TAX SAVING
TAX SAVING-- CONTINUE BELOW
10 Money Resolutions for 2010-- And Retirement Benefits: What to Expect in 2010: Learn Mor
LIFE INSURANCE: Ways to Reduce Your Life Insurance Premium. How to Cashing In a Life Insurance
Policy! Life Insurance Distribution And Benefits and beneficia
..Tax strategies, Tax advantage, Tax advice for all. HOW TO REDUCE YOUR TAXES TO GET
MAXIMUM RETURN FROM THE I.R.S.? Learn More... About Taxes-- Tax Help-- Tax Benefits.
FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, TO MAKE MONEY, AND GET OUT OF DEBT. THE
SECRETS OF GETTING AHEAD TO BUILD WEALTH! --Blogknowledge"-- Learn Everything Here..
TAXES--- 2009-2010 TAX INFORMATION CENTER. The More You Know About Taxes; The Less tax You
Pay, and More Money You Will Receive From IRS.
TAX ADVANCE CENTER --- Learn More... Tax Credits!
LIFE INSURANCE: Ways to Reduce Your Life Insurance Premium. How to Cashing In a Life Insurance
Policy! Life Insurance Distribution And Benefits and beneficia
..Tax strategies, Tax advantage, Tax advice for all. HOW TO REDUCE YOUR TAXES TO GET
MAXIMUM RETURN FROM THE I.R.S.? Learn More... About Taxes-- Tax Help-- Tax Benefits.
FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, TO MAKE MONEY, AND GET OUT OF DEBT. THE
SECRETS OF GETTING AHEAD TO BUILD WEALTH! --Blogknowledge"-- Learn Everything Here..
TAXES--- 2009-2010 TAX INFORMATION CENTER. The More You Know About Taxes; The Less tax You
Pay, and More Money You Will Receive From IRS.
TAX ADVANCE CENTER --- Learn More... Tax Credits!
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money, secure your financial future, obtain financial freedom. LEARN MORE!
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Banks Apply Pressure to Keep Fees Rolling In...
Special letters from banks out to consumers with an offer that it
urges them not to refuse. -------knowledgefinancial.com
"Your debit card may not work the same way anymore, even if you just made a
deposit. Unless we hear from you," the message, emblazoned in large red type,
warns. "If you don't contact us, your everyday debit card transactions that overdraw
your account will not be authorized after August 15, 2010 -- even in an emergency,"
with "even in an emergency" underlined for emphasis.
---------------------------------------knowledgefinancial.com
As the government cracks down on the way banks charge fees for overspending on
debit cards, the industry is mounting an aggressive campaign aimed at keeping
billions of dollars in penalty income flowing into its coffers.
---------------------------------------knowledgefinancial.com
Starting this summer, banks must get consumers to agree, or "opt in," to a service
covering purchases on a debit card when there is not enough money in their account.
The Federal Reserve has ordered the same restriction for banks that want to let
people withdraw more than their balance at an automated teller machine. Many banks
now automatically provide such coverage for fees of up to $35 or more.
--------------------------------------
So many people now dip their balance below zero that banks generated an estimated
$20 billion from overdraft fees on debit purchases and A.T.M. transactions in 2009,
Over the last decade, these fees have become an increasingly important source of
income for banks as consumers have turned to debit cards to pay for a wide variety of
their purchases, whether monthly bills or a pack of gum. (Many banks also offer less
controversial overdraft programs in which consumers sign up to cover shortfalls in
their checking account by pulling money out of a savings account or a credit card.)
KNOWLEDGEFINANCIAL.COM
Special letters from banks out to consumers with an offer that it
urges them not to refuse. -------knowledgefinancial.com
"Your debit card may not work the same way anymore, even if you just made a
deposit. Unless we hear from you," the message, emblazoned in large red type,
warns. "If you don't contact us, your everyday debit card transactions that overdraw
your account will not be authorized after August 15, 2010 -- even in an emergency,"
with "even in an emergency" underlined for emphasis.
---------------------------------------knowledgefinancial.com
As the government cracks down on the way banks charge fees for overspending on
debit cards, the industry is mounting an aggressive campaign aimed at keeping
billions of dollars in penalty income flowing into its coffers.
---------------------------------------knowledgefinancial.com
Starting this summer, banks must get consumers to agree, or "opt in," to a service
covering purchases on a debit card when there is not enough money in their account.
The Federal Reserve has ordered the same restriction for banks that want to let
people withdraw more than their balance at an automated teller machine. Many banks
now automatically provide such coverage for fees of up to $35 or more.
--------------------------------------
So many people now dip their balance below zero that banks generated an estimated
$20 billion from overdraft fees on debit purchases and A.T.M. transactions in 2009,
Over the last decade, these fees have become an increasingly important source of
income for banks as consumers have turned to debit cards to pay for a wide variety of
their purchases, whether monthly bills or a pack of gum. (Many banks also offer less
controversial overdraft programs in which consumers sign up to cover shortfalls in
their checking account by pulling money out of a savings account or a credit card.)
KNOWLEDGEFINANCIAL.COM
A Card Fee Still Hides in the Luggage?-----knowledgefinancial.com
Because of legislation that President Obama signed last year, your bank won’t be able
to charge you a fee for spending more than your credit limit anymore, unless you’ve
told the company that you want to be able to exceed the limit.
--------------------------------------knowledgefinancial.com
Banks will have to give you at least 45 days’ notice before raising cash advance and
late fees. And any mandatory fees like annual or application fees can’t add up to more
than 25 percent of the credit limit, as they often used to with cards that companies
aimed at people with poor credit histories.
--------------------------------------
But here’s one fee that the new law didn’t limit, even though it has offended scores of
consumers for at least a decade and adds up to hundreds of millions of dollars every
year for the credit card companies: the foreign transaction or currency conversion fee.
-----------------------------------------
Most big American banks hit you with these fees of up to 3 percent of every purchase
when a merchant processes your credit or debit card purchase outside the United
States. International travelers are most affected. -----knowledgefinancial.com
Because of legislation that President Obama signed last year, your bank won’t be able
to charge you a fee for spending more than your credit limit anymore, unless you’ve
told the company that you want to be able to exceed the limit.
--------------------------------------knowledgefinancial.com
Banks will have to give you at least 45 days’ notice before raising cash advance and
late fees. And any mandatory fees like annual or application fees can’t add up to more
than 25 percent of the credit limit, as they often used to with cards that companies
aimed at people with poor credit histories.
--------------------------------------
But here’s one fee that the new law didn’t limit, even though it has offended scores of
consumers for at least a decade and adds up to hundreds of millions of dollars every
year for the credit card companies: the foreign transaction or currency conversion fee.
-----------------------------------------
Most big American banks hit you with these fees of up to 3 percent of every purchase
when a merchant processes your credit or debit card purchase outside the United
States. International travelers are most affected. -----knowledgefinancial.com
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Tax Breaks That Anyone Can Claim
1. Charitable Donations
Most cash donations made to charity in the tax year can be claimed as an itemized
deduction on your tax return, but many folks don't realize that non-cash contributions
can be claimed as well.
If you've donated to a charity or non-profit organization using your credit card, you can
claim that donation. If you've donated material goods or services, be sure that you have
a receipt from the charity stating the value of the goods or services you donated. You
can claim that value as a charitable deduction.
2. Child Care Credit
If you pay for child care regularly while you are at work, you may be eligible for a tax
credit. The amount of care covered can be up to $6,000 for the care of two or more
children, according to experts, you must be sure to keep clear records; paying your
child care provider in cash while keeping no traceable record of the payment will make
it extremely difficult to claim the amount on your tax return.
3. Home Energy Efficiency Improvements
If you have to make any home improvements, go with the energy efficient options.
Consumers can claim 30% of the cost, up to $1,500, of energy efficient home
improvement items, such as "energy-efficient windows, insulation, doors, roofs, and
heating and cooling equipment in existing homes," according to the Department of
Energy. So replace those doors and windows by the end of the year and get a break on
your taxes.
4. Residential Renewable Energy Tax Credits
Another "green" tax break is for renewable energy additions made to your home. The
Department of Energy includes "solar energy systems (including solar water heating
and solar electric systems), small wind systems, geothermal heat pumps, and
residential fuel cell and microturbine systems".
Home owners can get a tax credit of up to 30% of the cost of these improvements.
When you consider how much money this type of renewable energy will save you in
lower electric bills over the years and combine that with the 30% tax credit, greening
your home begins to look like a pretty smart move.
6. Relocating for Work
Whether you're moving for your very first job, for a new job or for relocation with your
current employer, you can recover some of your relocation expenses. You have to
validate your move by passing a couple of "tests". The first test involves the distance.
The distance from your new work location to your former home has to be at least 50
miles longer than your previous commute.
The second test is just a way of proving that you actually moved for the job; you have to
be employed for at least 39 weeks out of the 12 months immediately following your
move, in the vicinity of your new job. You don't have to actually be employed with the
same company, just in the same general area.
Bottom Line
Don't be fooled into thinking that tax credits and deductions are for everybody but you.
Simply donating, working and improving your home can add up to significant savings
on your taxes, so start getting out those receipts and adding up the numbers.
Document what you claim on the deductions and ask your tax professional if you have
any questions about what you can claim. Then go for it; you might be getting a much
bigger refund than you thought.
5. Automobile Tax Credits
Get green on your commute and you could see more green on your tax return.
Purchase a hybrid gas-electric or alternative fuel vehicle before the end of 2010, and
you can get a credit on your taxes.
Amounts vary according to what type of vehicle you purchase and some credits are
phased out as dealers sell a certain amount of cars, so be sure to ask your car dealer
before you purchase. If you're a DIY person, you can also get a tax credit for 10% of the
cost of a plug-in hybrid conversion kit.
1. Charitable Donations
Most cash donations made to charity in the tax year can be claimed as an itemized
deduction on your tax return, but many folks don't realize that non-cash contributions
can be claimed as well.
If you've donated to a charity or non-profit organization using your credit card, you can
claim that donation. If you've donated material goods or services, be sure that you have
a receipt from the charity stating the value of the goods or services you donated. You
can claim that value as a charitable deduction.
2. Child Care Credit
If you pay for child care regularly while you are at work, you may be eligible for a tax
credit. The amount of care covered can be up to $6,000 for the care of two or more
children, according to experts, you must be sure to keep clear records; paying your
child care provider in cash while keeping no traceable record of the payment will make
it extremely difficult to claim the amount on your tax return.
3. Home Energy Efficiency Improvements
If you have to make any home improvements, go with the energy efficient options.
Consumers can claim 30% of the cost, up to $1,500, of energy efficient home
improvement items, such as "energy-efficient windows, insulation, doors, roofs, and
heating and cooling equipment in existing homes," according to the Department of
Energy. So replace those doors and windows by the end of the year and get a break on
your taxes.
4. Residential Renewable Energy Tax Credits
Another "green" tax break is for renewable energy additions made to your home. The
Department of Energy includes "solar energy systems (including solar water heating
and solar electric systems), small wind systems, geothermal heat pumps, and
residential fuel cell and microturbine systems".
Home owners can get a tax credit of up to 30% of the cost of these improvements.
When you consider how much money this type of renewable energy will save you in
lower electric bills over the years and combine that with the 30% tax credit, greening
your home begins to look like a pretty smart move.
6. Relocating for Work
Whether you're moving for your very first job, for a new job or for relocation with your
current employer, you can recover some of your relocation expenses. You have to
validate your move by passing a couple of "tests". The first test involves the distance.
The distance from your new work location to your former home has to be at least 50
miles longer than your previous commute.
The second test is just a way of proving that you actually moved for the job; you have to
be employed for at least 39 weeks out of the 12 months immediately following your
move, in the vicinity of your new job. You don't have to actually be employed with the
same company, just in the same general area.
Bottom Line
Don't be fooled into thinking that tax credits and deductions are for everybody but you.
Simply donating, working and improving your home can add up to significant savings
on your taxes, so start getting out those receipts and adding up the numbers.
Document what you claim on the deductions and ask your tax professional if you have
any questions about what you can claim. Then go for it; you might be getting a much
bigger refund than you thought.
5. Automobile Tax Credits
Get green on your commute and you could see more green on your tax return.
Purchase a hybrid gas-electric or alternative fuel vehicle before the end of 2010, and
you can get a credit on your taxes.
Amounts vary according to what type of vehicle you purchase and some credits are
phased out as dealers sell a certain amount of cars, so be sure to ask your car dealer
before you purchase. If you're a DIY person, you can also get a tax credit for 10% of the
cost of a plug-in hybrid conversion kit.
| About Twitter Twitter is an easy way to keep up with the people, organizations, and events you care about - and to share your thoughts instantaneously. CLICK ON: Twitter-1 ----- Twitter-2 ------- Twitter-3 About Facebook-1... ANTONY'S PAGE-1... Millions of people use Facebook everyday to keep up with friends, Share Important Information, News, Events, links photos, and videos. About Facebook-2--- ANTHONY'S PAGE-2... About Tagged, Connect with me on Tagged Create a community on tagged and you can share photos, journals and interests with your growing network of mutual friends! Click here to see how much you can accomplish... ''Business People, Professionals, Investors Connect to Linkedin- Link With me Now For Questions and Answers''-- LINKEDIN CONNECT TO LINKEDIN - |
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| -Income Tax Return Free Tax Filing, E-File For Rapid Refund- -Tax Help And Information for Individuals & Professionals- -Tax Saving Tips, HE MOST IMPORTANT TAX SAVING YOU MUST KNOW ABOUT. -TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU PAY. -TAXES: HOW TO CUT YOUR TAXES; EASY STEPS, Tax Breaks That Anyone Can Claim-- |
!!10 Industries in Which the U.S. Is No Longer No.1 --Americans are used to being No.1 in nearly all the world's businesses and athletic
endeavors. The foundation of that certainly began to erode in the 1970's, when much of America's manufacturing industry started to move overseas.
endeavors. The foundation of that certainly began to erode in the 1970's, when much of America's manufacturing industry started to move overseas.
| -10 Industries in Which the U.S. Is No Longer No.1 -- Americans are used to being No.1 in nearly all the world's businesses and athletic endeavors. The foundation of that certainly began to erode in the 1970's, when much of America's manufacturing industry started to move overseas. Many U.S. companies wanted to cut costs, including high-priced manufacturing jobs. That contributed to the rise of the Japanese and, more recently, the Chinese economies As U.S. manufacturing eroded, so did other critical parts of society. American children are no longer the best educated in the world. America's health care system no longer produces the healthiest population. U.S. GDP no longer grows as quickly as it once did, particularly in the recoveries that follow recessions. China now has the fastest-growing large economy in the world. It has passed Japan into the No. 2 spot and economists are forecasting how long it will take to pass the U.S. America was known for the better part of the last century as the single greatest producer of food for the world. The country still leads in the production of many commodities, but improved farming practices and more advanced seed have allowed the yield per acres in countries like Russia, China Russia and Vietnam to rise. This is the 24/7 Wall St. analysis of "Ten Industries in Which the U.S. Is No Longer No. 1." Whether this list will grow depends on how quickly the American economy improves and whether business innovation continues to increasingly come from overseas. America now fights to remain competitive globally with one hand tied behind its back. The current deficit, growing national debt, lack of government capital for R&D and unemployment all contribute to a crippled economy. Each of these makes it harder for the U.S. economy to regain the ground it has lost over the past few years. 1. Autos Position: 2nd Leader: Japan, with 17 million autos produced by Japanese automakers in 2009 U.S.: 12 million autos produced by American automakers in 2009 U.S. auto manufacturing has long been considered not only one of our most critical industries, but is representative of American industrial power. The U.S. is the second largest manufacturer of cars and light vehicles after Japan, which is the headquarters of Toyota (NYSE: TM - News), Honda (NYSE: HMC - News), Nissan and Mazda. The American auto industry nearly collapsed in 2008 after years of extremely high labor costs and falling market share in domestic sales. GM (NYSE: GM - News) and Chrysler went through bankruptcy with extensive federal government support. Ford (NYSE: F - News) was strong enough to avoid having to ask for government handouts. The U.S. is not only the second largest manufacturer of cars; it is also the second largest car market by sales. China passed America in this metric in 2009. Japanese automakers made 17 million cars in 2009 compared to 12 million made by U.S. companies. 2. Beer Production Position: 2nd Leader: China, with 423 million hectoliters in 2009 U.S.: 229 hectoliters in 2009 U.S. beer production in 2000 was the greatest in the world, generating 232 million hectoliters, versus second-place China's 220 million. In just nine years, the People's Republic has roughly doubled its production output to 423 million hectoliters. American output has actually decreased to 229 million. Per capita consumption in China is relatively low at less than half of the level in the U.S. However, China has a drinking population four times larger and has created an industrial capacity in the beer sector that has allowed the country to pull far ahead of the U.S. 3. High-Technology Exports Position: 2nd Leader: China, $381 billion in 2008 U.S.: $231 billion in 2008 The World Bank describes high-technology exports as "products with high R&D intensity, such as in aerospace, computers, pharmaceuticals, scientific instruments, and electrical machinery." These are all fields in which the United States prides itself, and the U.S. remains in first place in the pharmaceutical industry. Despite this, China has beaten America in the high-technology exports since the World Bank began collecting data on the category in 2005. In 2008, Chinese high-technology exports were worth $381 billion and American exports were $231 billion. America's second place status shows no signs of changing. Between 2005 and 2008, Chinese high-tech exports increased 78%, relative to a mere 21% by the U.S. over the same time period. 4. Commercial Aircraft Production Position: 2nd Leader: Airbus (Europe) based on 574 orders in 2010 U.S.: Boeing, with 530 orders in 2010 Through the 1970's, the United States had what was effectively a monopoly on large commercial aircraft production. The nature of the industry made it difficult for other companies to compete with the massive U.S.-based Boeing (NYSE: BA - News). The costs to create an aerospace manufacturing industry were prohibitive. In the 80's European air manufacturers began to compete through subsidies, particularly European-based Airbus, which was originally formed by France, Germany, Spain, and other investors. Rising demand for Airbus planes have propelled the European company past Boeing to become the largest commercial airplane manufacturer in the world. In 2010, Airbus was awarded more jetliner contracts than its American competitor. It appears the trend will continue this year, with Airbus securing a massive deal with IndiGo, the third-largest airline in India. It is the largest commercial aircraft sale in history. 5. Coal Production Position: 2nd Leader: China, with 3.3 billion short tons produced in 2009 U.S.: 1 billion short tons America is no longer the world's largest manufacturing economy nor is it the largest consumer of energy for manufacturing purposes. Coal production in America is now a distant second to China. According to the U.S. Energy Information Administration, the U. S. produced just over a billion short tons of coal in 2009. China produced more than three times that amount — 3.3 billion — because of the exponential growth of the Chinese energy infrastructure in the last decade. Since 2005, American coal production has decreased slightly, while Chinese production has increased 34%. The two countries account for more than half of the world's total coal production. 6. Lettuce Production Position: 2nd Leader: China, with 12.9 million metric tons U.S.: 4.1 million metric tons The population of China at 1.3 billion is more than four times that of the United States. Food consumption is obviously significantly higher as well. Partially because of large federal subsidies, the United States remains #1 in corn and soybean production. Chinese demand has caused domestic production of many crops to move well ahead of that of the U.S. For example, Chinese lettuce production was nearly 13 million metric tons in 2009, while U.S. production was closer to 4 million, according to the United Nations. 7. Oil Production Position: 3rd Leader: Russia, with 9.7 million barrels produced each day. U.S.: 9 million barrels produced each day The United States produces the third most oil per day, at just over nine million barrels. The two leaders are Russia, at 10 million barrels per day, and Saudi Arabia, at 9.7 million barrels per day. Despite its current position in production, the U.S. is only 14th in proved reserves, with 19 billion barrels available relative to Saudi Arabia's 264 billion barrels. The U.S. is now the second-largest importer of crude and continued to deplete its reserves to try to be less dependent on foreign crude. 8. Rice Production Position: 11th Leader: China, with 166 million metric tons produced between 2009 and 2010 U.S.: 6.9 million metric tons U.S. rice production is not even in the top 10 compared to the rest of the world, and accounts for just over 1% of the world's total. Because of reduced demand, this country is actually the third leading rice exporter with 18% of the world market. About 20% of U.S. rice production is exported. China produces 20 times more rice than the U. S. 9. Wind Energy Generated Position: 2nd Leader: China, with 42 gigawatts generated in 2010 U.S.: 40 gigawatts in 2010 While some chastise the United States for failure to implement alternative energy sources and complain about our dependence on fossil fuels, the country is nevertheless, for the moment, leading the globe in alternative energy capacity. According to a recent Pew study, the U.S. beat out China's total alternative energy capacity in 2009, 53.4 gigawatts to 52.5 gigawatts. China's renewable energy infrastructure has increased, however, and might have surpassed the U.S. in 2010. What is certain is that China beat out the U.S. in wind generation. In 2010, American wind energy capacity was at 40 gigawatts, while Chinese generation was nearly 42 gigawatts. 10. Pork Production Position: 2nd Leader: China, with 51.5 million metric tons produced in 2010 U.S.: 10.2 million metric tons produced in 2010 The United States leads the world in production for most of the agricultural commodities and has the strongest demand for them as well. For example, the U.S. continues to produce the most beef and veal, beating out Brazil and China in consumption as well. However, pork demand in the United States, while the second-greatest in the world, is less than a fifth of that in China. Chinese farms produced 51.5 million metric tons of pork last year, compared to 10.2 million in the U ''United States Of America: Learn More... -Auto Insurance: The More You Know, The Less You pay. The 10 Best Ways to Lower Your Car Insurance Bill! |
HAITI, ABOUT A YEAR LATER AFTER THE 7.0 QUAKES
''Haiti One Year After the Quake: Still Buried Under Rubble--
''Haiti One Year After the Quake: Still Buried Under Rubble--
''Haiti launches registry dedicated to quake's dead--
''Haiti in general what's going on?-
''Embassy of Haiti in Washington DC 2311 Massachusetts Ave., NW, Washington DC 20008
'' Haiti — geography, history, politics, government, economy, population statistics, culture,
religion, languages, largest cities, as well as a map--
''Haiti One Year After the Quake: Still Buried Under Rubble--
''Haiti One Year After the Quake: Still Buried Under Rubble--
''Haiti launches registry dedicated to quake's dead--
''Haiti in general what's going on?-
''Embassy of Haiti in Washington DC 2311 Massachusetts Ave., NW, Washington DC 20008
'' Haiti — geography, history, politics, government, economy, population statistics, culture,
religion, languages, largest cities, as well as a map--
'Baby Doc' Duvalier returns to
Haiti in surprise move...
Port-Au-Prince, Haiti (CNN) --
Jean-Claude "Baby Doc"
Duvalier, Haiti's former
dictator, returned
unexpectedly Sunday to the
country after some 25 years
in exile, adding uncertainty
into an already turbulent
situation.
-VERY INTERESTING NEWS,
NEW DEVELOPMENT ABOUT
WHY- EXACTLY DUVALIER IS
IN HAITI... Duvalier Breaks
Silence As U.S. Gets Tough.
What Did He Said?---!!!
www.knowledgefinancial.com
,,Jean Claude Duvalier
arrested, questioned and
released. January 18,2011.
Learn more...
A Judge Will Decide “Baby
Doc” Duvalier’s Fate In Haiti.
-Charges filed against 'Baby
Doc' Duvalier in Haiti-
POLITICS Human rights cases
target former Haiti president
'Baby Doc' Duvalier-- News
And Information-New
Development--
Haiti in surprise move...
Port-Au-Prince, Haiti (CNN) --
Jean-Claude "Baby Doc"
Duvalier, Haiti's former
dictator, returned
unexpectedly Sunday to the
country after some 25 years
in exile, adding uncertainty
into an already turbulent
situation.
-VERY INTERESTING NEWS,
NEW DEVELOPMENT ABOUT
WHY- EXACTLY DUVALIER IS
IN HAITI... Duvalier Breaks
Silence As U.S. Gets Tough.
What Did He Said?---!!!
www.knowledgefinancial.com
,,Jean Claude Duvalier
arrested, questioned and
released. January 18,2011.
Learn more...
A Judge Will Decide “Baby
Doc” Duvalier’s Fate In Haiti.
-Charges filed against 'Baby
Doc' Duvalier in Haiti-
POLITICS Human rights cases
target former Haiti president
'Baby Doc' Duvalier-- News
And Information-New
Development--
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,,Buy a home without a down payment
You won't get a conventional loan (or even an FHA loan), but you might
still be able to borrow the whole cost of a house. Here's where to look --
and what to consider before you do it.
-Accumulating enough savings for a down payment, closing costs, moving costs and an extra
cushion of emergency savings can be the most challenging aspect of buying a home. Renters who
want the stability and pride of homeownership and the opportunity to build equity in a property are
sometimes thwarted by the lack of cash even if they have excellent credit and a stable income.
Here's why: Even federally insured Federal Housing Association loans require a down payment of
3.5%. That may not sound like a lot, but on a $200,000 home, you would need $7,000 just for the down
payment. --- KNOWLEDGEFINANCIAL.COM
Zero-down-payment mortgage loans used to be popular when home values were rapidly rising and
credit guidelines were looser. These days, almost no conventional loans are available without a
down payment of at least 3% to 5% of the home price or more. However, some homebuyers may be
able to qualify for a no-down-payment home loan through one of several programs.
The caveat is that borrowers must be able to provide documentation of adequate income to repay
the loan and must have good credit -- at the very least a score of 620 or higher. Some lenders and
loan programs will require a higher score.
VA loans ------KNOWLEDGEFINANCIAL.COM
Military families and veterans may qualify for a Veterans Affairs loan, which offers 100% financing.
The VA loan program has been in place since World War II and is an insurance program that
guarantees loans up to a certain limit. In most areas, that limit is $417,000, but the limit is higher in
counties with more-expensive housing.
To apply for a VA loan, borrowers must obtain a certificate of eligibility from a VA eligibility center.
After obtaining a COE, borrowers can work with any lender that offers VA loans.
A loans not only do not require a down payment, but the mortgage insurance of 2.15 points (a point is
equal to 1% of the loan amount) can be wrapped into the loan. Loan qualifications vary from lender to
lender, but in general, VA loans require a debt-to-income ratio of about 41%.
USDA rural development housing loans
Some potential buyers who live in specifically designated regions of the country may qualify for a
U.S. Department of Agriculture Rural Development housing loan. Although the loans are for "rural"
areas, some eligible locations are actually near towns. Check the USDA eligibility page to find out if
the area where you want to buy is a designated area.
Qualifying for a USDA home loan requires not only location eligibility but also conforming to income
limitations. Borrowers can enter their ZIP code, income and number of household members here to
find out if they meet the guidelines. ------KNOWLEDGEFINANCIAL.COM
''USDA loans are geared to low- and moderate-income households that have the income to afford
the home payments but may be unable to save enough for a down payment. Minimum credit scores
vary from lender to lender, anywhere from 600 to 640 or higher.
An upfront loan guarantee fee of 3.5% of the loan amount is required, but borrowers can wrap that
fee into the loan balance to avoid the need for any cash at closing.
State and local homebuyer incentive programs
Nearly every state, county and local jurisdiction in the country offers some type of homebuyer
incentive program. These programs sometimes offer down payment assistance, closing cost
assistance or low-interest-rate home loans or a combination of those. While many are restricted to
buyers by income level, some are not. Some, but not all, are restricted to first-time homebuyers.
Many areas have programs designed to assist buyers in certain professions, such as teachers,
medical personnel or first responders.
While not all these programs eliminate the need for a down payment, some offer a grant or an
interest-free loan that will cover the entire down payment or a portion of it. The best way to find out
about programs in your area is to search by state at the website of the National Council of State
Housing Agencies.
The bottom line -----KNOWLEDGEFINANCIAL.COM
Before you begin your search for a no-down-payment loan, be sure you can comfortably afford the
payments associated with your home loan. Remember that if you do not make any down payment,
you will have no equity in the property until you begin to pay off your mortgage or until the home rises
in value. Be sure you won't need to sell the property for at least three years, because it will take at
least that long -- or longer -- to build equity.
If you have been unable to save enough for a down payment, make sure you have savings in the
bank to cover costs associated with homeownership. If you have no savings at all, wait. Until you
have built an emergency savings fund, you should not consider taking on the responsibilities of
homeownership. --------KNOWLEDGEFINANCIAL.COM
''Habitat for Humanity: how to volunteer, become a homeowner Habitat for Humanity is an
international organization that works to eliminate sub-standard housing
You won't get a conventional loan (or even an FHA loan), but you might
still be able to borrow the whole cost of a house. Here's where to look --
and what to consider before you do it.
-Accumulating enough savings for a down payment, closing costs, moving costs and an extra
cushion of emergency savings can be the most challenging aspect of buying a home. Renters who
want the stability and pride of homeownership and the opportunity to build equity in a property are
sometimes thwarted by the lack of cash even if they have excellent credit and a stable income.
Here's why: Even federally insured Federal Housing Association loans require a down payment of
3.5%. That may not sound like a lot, but on a $200,000 home, you would need $7,000 just for the down
payment. --- KNOWLEDGEFINANCIAL.COM
Zero-down-payment mortgage loans used to be popular when home values were rapidly rising and
credit guidelines were looser. These days, almost no conventional loans are available without a
down payment of at least 3% to 5% of the home price or more. However, some homebuyers may be
able to qualify for a no-down-payment home loan through one of several programs.
The caveat is that borrowers must be able to provide documentation of adequate income to repay
the loan and must have good credit -- at the very least a score of 620 or higher. Some lenders and
loan programs will require a higher score.
VA loans ------KNOWLEDGEFINANCIAL.COM
Military families and veterans may qualify for a Veterans Affairs loan, which offers 100% financing.
The VA loan program has been in place since World War II and is an insurance program that
guarantees loans up to a certain limit. In most areas, that limit is $417,000, but the limit is higher in
counties with more-expensive housing.
To apply for a VA loan, borrowers must obtain a certificate of eligibility from a VA eligibility center.
After obtaining a COE, borrowers can work with any lender that offers VA loans.
A loans not only do not require a down payment, but the mortgage insurance of 2.15 points (a point is
equal to 1% of the loan amount) can be wrapped into the loan. Loan qualifications vary from lender to
lender, but in general, VA loans require a debt-to-income ratio of about 41%.
USDA rural development housing loans
Some potential buyers who live in specifically designated regions of the country may qualify for a
U.S. Department of Agriculture Rural Development housing loan. Although the loans are for "rural"
areas, some eligible locations are actually near towns. Check the USDA eligibility page to find out if
the area where you want to buy is a designated area.
Qualifying for a USDA home loan requires not only location eligibility but also conforming to income
limitations. Borrowers can enter their ZIP code, income and number of household members here to
find out if they meet the guidelines. ------KNOWLEDGEFINANCIAL.COM
''USDA loans are geared to low- and moderate-income households that have the income to afford
the home payments but may be unable to save enough for a down payment. Minimum credit scores
vary from lender to lender, anywhere from 600 to 640 or higher.
An upfront loan guarantee fee of 3.5% of the loan amount is required, but borrowers can wrap that
fee into the loan balance to avoid the need for any cash at closing.
State and local homebuyer incentive programs
Nearly every state, county and local jurisdiction in the country offers some type of homebuyer
incentive program. These programs sometimes offer down payment assistance, closing cost
assistance or low-interest-rate home loans or a combination of those. While many are restricted to
buyers by income level, some are not. Some, but not all, are restricted to first-time homebuyers.
Many areas have programs designed to assist buyers in certain professions, such as teachers,
medical personnel or first responders.
While not all these programs eliminate the need for a down payment, some offer a grant or an
interest-free loan that will cover the entire down payment or a portion of it. The best way to find out
about programs in your area is to search by state at the website of the National Council of State
Housing Agencies.
The bottom line -----KNOWLEDGEFINANCIAL.COM
Before you begin your search for a no-down-payment loan, be sure you can comfortably afford the
payments associated with your home loan. Remember that if you do not make any down payment,
you will have no equity in the property until you begin to pay off your mortgage or until the home rises
in value. Be sure you won't need to sell the property for at least three years, because it will take at
least that long -- or longer -- to build equity.
If you have been unable to save enough for a down payment, make sure you have savings in the
bank to cover costs associated with homeownership. If you have no savings at all, wait. Until you
have built an emergency savings fund, you should not consider taking on the responsibilities of
homeownership. --------KNOWLEDGEFINANCIAL.COM
''Habitat for Humanity: how to volunteer, become a homeowner Habitat for Humanity is an
international organization that works to eliminate sub-standard housing
''10 Things You Shouldn't Keep in Your Wallet or Purse--
What you keep in your wallet will determine how at risk you are for identity theft in the
chance you lose it. Here are 10 items experts suggest keeping at home.
We all make sure we've got our keys, wallet and phone before we head out the door, but
more often than not, we are carrying around things that are better left at home. Some items
we carry on a daily basis can be virtually impossible to replace, and others may leave us at
risk for identity theft in the event of loss.
Social Security Card
"You may carry it around thinking you need a back-up source of ID, but these days you don't
really need it, If your Social Security card gets in the wrong hands, someone could open a
credit card, apply for a loan, or even buy a car with the information.
Your Passport
If you're traveling internationally, of course you can't leave your passport at home, but you
can leave it in the hotel safe. When you are abroad, make a photocopy of your passport to
have in your wallet for identification along with your driver's license. "If you lose your
passport or get mugged in a foreign country, it's such a horrible hassle
." If you're traveling in the U.S., use your driver's license instead. "Your passport is such a
primo document for your identity, if someone gets a hold of it, you can really put yourself at
risk for identity theft,"
Passwords/Pass codes
Although most PIN numbers are only four digits long, some people still write them down so
they don't forget. "If you store any type of ATM password or even a code for your home
alarm in your wallet, you have basically gifted a thief with access to your life.
A Non-Password Protected Phone
Today, many people have smart phones that allow them instant access to bank accounts,
PayPal accounts, medical records, and more. Even if your phone only accesses e-mail, a
thief could easily search for banking or ATM passwords or addresses
"Think about all the things you have digitally stored on your phone. You have to have it behind
password protection. This way a thief can still erase your phone's memory and use it for
themselves, but they won't have access to your data."
Your Checkbook
"As innocuous as it seems, your checkbook has your bank account number and routing
number on it, your address, and possibly imprints of your signature," says Lin
if you know you're going to need to write a check one day, peel off one check out of your
book and take it with you. If you know you're going to need to write multiple checks in one
day, go ahead and take your checkbook, but don't get into the habit of carrying it around with
you all the time,
Too Many Credit Cards
"A lot of people put all their cards in their wallet and carry them with them at all times," says
Lin. "But if your wallet gets lost or stolen, that means you're going to have to sit and cancel
every single one, and wait a week without any credit cards before you receive a
replacement." Only carry the one or two cards you use on a daily basis and a backup, and
leave others at home.
Too Much Cash
The following rule of thumb when it comes to carrying cash: Bring only as much with you as
you're willing to lose. "It's good to have a little cash on you at all times for emergencies, but
you don't want to carry so much that you're going to feel a real hit if your wallet gets stolen.
Gift Cards/Certificates
"A lot of people carry these around thinking, 'I never know when I'm going to be passing this
store,' but chances are, you're going to forget about it anyway, and if your wallet gets stolen,
it's one of the first thing thieves are going to use
Gift cards and gift certificates are just like cash -- they don't require ID for use. "Try to leave
it at home and take it with you only when you are consciously going to shop at that store,"
Jewelry or USB Devices
"It may sound silly, but if you're changing earrings or heading from a business meeting, it's
very possible you may forget and toss these things in the zipper compartment of your
wallet," says Lin. USB devices can be bad news in the hands of thieves if they contain
confidential files. "It would be horrible to get your wallet stolen any day,
Receipts
Sometimes receipts can have your credit card information on them, as well as your
signature, which thieves could do a lot of damage with. Additionally, if you've just purchased
a big-ticket item like a new computer or jewelry, you may need that receipt for warranty
purposes. "If you're planning to use your receipts for expense purposes at work, those few
hundred dollars of business receipts can just vanish and your employer might not be so
understanding,
What you keep in your wallet will determine how at risk you are for identity theft in the
chance you lose it. Here are 10 items experts suggest keeping at home.
We all make sure we've got our keys, wallet and phone before we head out the door, but
more often than not, we are carrying around things that are better left at home. Some items
we carry on a daily basis can be virtually impossible to replace, and others may leave us at
risk for identity theft in the event of loss.
Social Security Card
"You may carry it around thinking you need a back-up source of ID, but these days you don't
really need it, If your Social Security card gets in the wrong hands, someone could open a
credit card, apply for a loan, or even buy a car with the information.
Your Passport
If you're traveling internationally, of course you can't leave your passport at home, but you
can leave it in the hotel safe. When you are abroad, make a photocopy of your passport to
have in your wallet for identification along with your driver's license. "If you lose your
passport or get mugged in a foreign country, it's such a horrible hassle
." If you're traveling in the U.S., use your driver's license instead. "Your passport is such a
primo document for your identity, if someone gets a hold of it, you can really put yourself at
risk for identity theft,"
Passwords/Pass codes
Although most PIN numbers are only four digits long, some people still write them down so
they don't forget. "If you store any type of ATM password or even a code for your home
alarm in your wallet, you have basically gifted a thief with access to your life.
A Non-Password Protected Phone
Today, many people have smart phones that allow them instant access to bank accounts,
PayPal accounts, medical records, and more. Even if your phone only accesses e-mail, a
thief could easily search for banking or ATM passwords or addresses
"Think about all the things you have digitally stored on your phone. You have to have it behind
password protection. This way a thief can still erase your phone's memory and use it for
themselves, but they won't have access to your data."
Your Checkbook
"As innocuous as it seems, your checkbook has your bank account number and routing
number on it, your address, and possibly imprints of your signature," says Lin
if you know you're going to need to write a check one day, peel off one check out of your
book and take it with you. If you know you're going to need to write multiple checks in one
day, go ahead and take your checkbook, but don't get into the habit of carrying it around with
you all the time,
Too Many Credit Cards
"A lot of people put all their cards in their wallet and carry them with them at all times," says
Lin. "But if your wallet gets lost or stolen, that means you're going to have to sit and cancel
every single one, and wait a week without any credit cards before you receive a
replacement." Only carry the one or two cards you use on a daily basis and a backup, and
leave others at home.
Too Much Cash
The following rule of thumb when it comes to carrying cash: Bring only as much with you as
you're willing to lose. "It's good to have a little cash on you at all times for emergencies, but
you don't want to carry so much that you're going to feel a real hit if your wallet gets stolen.
Gift Cards/Certificates
"A lot of people carry these around thinking, 'I never know when I'm going to be passing this
store,' but chances are, you're going to forget about it anyway, and if your wallet gets stolen,
it's one of the first thing thieves are going to use
Gift cards and gift certificates are just like cash -- they don't require ID for use. "Try to leave
it at home and take it with you only when you are consciously going to shop at that store,"
Jewelry or USB Devices
"It may sound silly, but if you're changing earrings or heading from a business meeting, it's
very possible you may forget and toss these things in the zipper compartment of your
wallet," says Lin. USB devices can be bad news in the hands of thieves if they contain
confidential files. "It would be horrible to get your wallet stolen any day,
Receipts
Sometimes receipts can have your credit card information on them, as well as your
signature, which thieves could do a lot of damage with. Additionally, if you've just purchased
a big-ticket item like a new computer or jewelry, you may need that receipt for warranty
purposes. "If you're planning to use your receipts for expense purposes at work, those few
hundred dollars of business receipts can just vanish and your employer might not be so
understanding,
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,,12 Tempting Tax Tips to Save You Money for 201.-
there are still many tax considerations in the coming year. Here are 12 tax tips,
reminders and planning tools for 2012.
Remember Roth IRA conversion taxes
Anyone, regardless of income, can convert a traditional individual retirement
account to a Roth IRA. But when that option first became available in 2010, a special
feature that year allowed individuals who converted to a Roth IRA to spread the
taxes due on converted amounts equally over the 2011 and 2012 tax years.
That means your first Roth conversion tax bill will be included on your 2011 return
filed in 2012. Make sure you have that cash on hand, and plan now for the 2012
conversion bill.
Claim your American Opportunity
The American Opportunity Tax Credit was a centerpiece of the 2009 stimulus bill.
The new education tax break expanded the existing Hope Credit, providing a credit
of up to $2,500 of the cost of qualified tuition and related expenses, and up to
$1,000 of the credit could come back to the taxpayer as a refund.
The American Opportunity Credit was originally supposed to end in 2010, but it was
extended through 2012. However, this could be the credit's last year. Congress is
looking for ways to cut the federal deficit, and allowing tax breaks to expire is an
easy way to save some dollars. If you have eligible education expenses, be sure to
claim the American Opportunity Credit while you can.
Note health care info on W-2
When you get your 2011 W-2, you might notice some new information on the form.
Box 12 is where employers will report the cost of your workplace's group health
insurance coverage. This amount is both the amount the business pays as well as
the premiums paid via payroll deductions by the workers.
Don't freak out. The amount, which will be designated by the code DD, is not taxable
income. It's informational only, designed to help Uncle Sam confirm taxpayers have
coverage. Under the health care reform law, the Affordable Care Act, the data will
help to enforce the eventual individual coverage if it survives a Supreme Court
hearing as well as the so-called Cadillac tax on more expensive workplace
insurance plans.
However, if you don't see anything in Box 12, don't freak out about that either. The
IRS ruled that reporting 2011 health care data is optional for employers.
Pay attention to Form 1099-K
If you get a Form 1099-K in 2012, don't toss it. The new form records payments
received in 2011 by credit card or through third-party networks such as PayPal.
This added income reporting mechanism was created as part of the Housing
Assistance Tax Act of 2008 and is finally taking effect for the 2011 tax year
because of concerns that some small businesses do not report all of their income.
Previously, the Internal Revenue Service had to take taxpayers' word that all
income was reported because the agency didn't have access to credit card or
online payment details. The 1099-K changes that.
Be ready for basis reporting
Beginning with the 2011 tax year, brokers must report an asset's basis, the value
that is used to determine profit when you sell, to the IRS. That amount will show up
on the 1099 forms you receive in 2012 for 2011 stock transactions.
Additional basis reporting will be phased in, in 2012 and 2013. You might have heard
of this new requirement when your investment managers asked which type of
basis reporting you preferred they use. Generally, brokers must report the sale of
securities on a first-in, first-out basis unless the customer specifically identifies
which securities are to be sold.
Accelerate income
Most tax experts will tell you to pay no tax before its time. However, impending
income tax rate changes might make 2012 the exception to that traditional tax
adage. The top ordinary income tax bracket in 2012 is 35 percent of annual taxable
income. If Congress doesn't act, the highest tax rate will go to 39.6 percent in 2013.
So, if you're in the top tax bracket, you might want to accelerate
income into 2012 and pay taxes at the lower rate.
Cash in winning stocks
Along with higher ordinary income tax rates, there's a possibility of higher tax rates
on investment income. Through 2012, the top federal capital gains tax rate is 15
percent for most taxpayers, and no tax is due from investors in the 10 percent and
15 percent tax brackets.
These lower rates apply to assets held for more than a year. If you believe capital
gains taxes might go up, 2012 could be a good year to lock in profits on long-term
investments.
Plan for the added Medicare tax
Higher-income earners always have a few more tax considerations, and that's true
in 2012. In 2013, a new 3.8 percent Medicare tax is slated for collection on profits
from the sale of investment property.
This includes capital gains, dividends, interest payments and, for those who own
rental property, net rental income.
The tax will apply to individuals with a gross income of $200,000 or more or married
couples filing jointly with a combined gross income of $250,000 or more. If you're in
the targeted income brackets, talk with your tax and investment advisers about
steps you can take this year to prepare for the new tax.
Assess AMT danger
The alternative minimum tax, or AMT, is a continual tax trap for millions of
middle-income taxpayers. This parallel tax system was created in 1969 to ensure
wealthier taxpayers pay a minimum amount of taxes, primarily by disallowing
several common deductions that are claimed under the regular tax system.
But because the AMT is not indexed for inflation, Congress must increase the
income levels affected by the alternative tax.
It's possible that tax reform in 2012 could eliminate the AMT, a longtime goal of
many lawmakers. But just in case that doesn't happen and you fear you might end
up paying the alternative tax, talk with your tax adviser about ways you can limit
your AMT exposure.
Give gifts
Giving to charity can help reduce an annual tax bill, but if you have a large estate,
gifts also are important estate tax tools. Thanks to the resurrection of the estate
tax in 2011, the unified gift tax also returned. This means you can give away $5
million during your lifetime without having to pay the 35 percent gift tax.
There's also an annual amount to note in giving away your estate's assets while
you're still around to get thanks. In 2012, you can give up to $13,000 each to as
many individuals as you wish without any tax costs to you or your gift recipients.
Evaluate estate tax implications
Speaking of the estate tax, the inevitable meeting of death and taxes will be a hot
topic in 2012. If Congress takes no action, the current $5 million estate exclusion
will fall to $1 million, and the tax on estates larger than that will be 55 percent on
Jan. 1, 2013. If your estate will be larger than $1 million, talk with an estate tax
adviser in 2012 about options to reduce any possible larger federal tax bite.
Hire a registered tax pro
The IRS is continuing its efforts to regulate tax preparers. The process began with
the registration of return preparers and the issuance of a personal Preparer Tax
Identification Number, or PTIN, to each. The IRS is ramping up its effort to hold tax
preparers accountable and weed out unscrupulous tax pros, with proposals to
fingerprint preparers and, in 2013, require them to pass competency exams. If you
hire a tax pro, ask about his or her IRS registration status, along with your usual
inquiries to verify the preparer's ability to meet your tax needs.
there are still many tax considerations in the coming year. Here are 12 tax tips,
reminders and planning tools for 2012.
Remember Roth IRA conversion taxes
Anyone, regardless of income, can convert a traditional individual retirement
account to a Roth IRA. But when that option first became available in 2010, a special
feature that year allowed individuals who converted to a Roth IRA to spread the
taxes due on converted amounts equally over the 2011 and 2012 tax years.
That means your first Roth conversion tax bill will be included on your 2011 return
filed in 2012. Make sure you have that cash on hand, and plan now for the 2012
conversion bill.
Claim your American Opportunity
The American Opportunity Tax Credit was a centerpiece of the 2009 stimulus bill.
The new education tax break expanded the existing Hope Credit, providing a credit
of up to $2,500 of the cost of qualified tuition and related expenses, and up to
$1,000 of the credit could come back to the taxpayer as a refund.
The American Opportunity Credit was originally supposed to end in 2010, but it was
extended through 2012. However, this could be the credit's last year. Congress is
looking for ways to cut the federal deficit, and allowing tax breaks to expire is an
easy way to save some dollars. If you have eligible education expenses, be sure to
claim the American Opportunity Credit while you can.
Note health care info on W-2
When you get your 2011 W-2, you might notice some new information on the form.
Box 12 is where employers will report the cost of your workplace's group health
insurance coverage. This amount is both the amount the business pays as well as
the premiums paid via payroll deductions by the workers.
Don't freak out. The amount, which will be designated by the code DD, is not taxable
income. It's informational only, designed to help Uncle Sam confirm taxpayers have
coverage. Under the health care reform law, the Affordable Care Act, the data will
help to enforce the eventual individual coverage if it survives a Supreme Court
hearing as well as the so-called Cadillac tax on more expensive workplace
insurance plans.
However, if you don't see anything in Box 12, don't freak out about that either. The
IRS ruled that reporting 2011 health care data is optional for employers.
Pay attention to Form 1099-K
If you get a Form 1099-K in 2012, don't toss it. The new form records payments
received in 2011 by credit card or through third-party networks such as PayPal.
This added income reporting mechanism was created as part of the Housing
Assistance Tax Act of 2008 and is finally taking effect for the 2011 tax year
because of concerns that some small businesses do not report all of their income.
Previously, the Internal Revenue Service had to take taxpayers' word that all
income was reported because the agency didn't have access to credit card or
online payment details. The 1099-K changes that.
Be ready for basis reporting
Beginning with the 2011 tax year, brokers must report an asset's basis, the value
that is used to determine profit when you sell, to the IRS. That amount will show up
on the 1099 forms you receive in 2012 for 2011 stock transactions.
Additional basis reporting will be phased in, in 2012 and 2013. You might have heard
of this new requirement when your investment managers asked which type of
basis reporting you preferred they use. Generally, brokers must report the sale of
securities on a first-in, first-out basis unless the customer specifically identifies
which securities are to be sold.
Accelerate income
Most tax experts will tell you to pay no tax before its time. However, impending
income tax rate changes might make 2012 the exception to that traditional tax
adage. The top ordinary income tax bracket in 2012 is 35 percent of annual taxable
income. If Congress doesn't act, the highest tax rate will go to 39.6 percent in 2013.
So, if you're in the top tax bracket, you might want to accelerate
income into 2012 and pay taxes at the lower rate.
Cash in winning stocks
Along with higher ordinary income tax rates, there's a possibility of higher tax rates
on investment income. Through 2012, the top federal capital gains tax rate is 15
percent for most taxpayers, and no tax is due from investors in the 10 percent and
15 percent tax brackets.
These lower rates apply to assets held for more than a year. If you believe capital
gains taxes might go up, 2012 could be a good year to lock in profits on long-term
investments.
Plan for the added Medicare tax
Higher-income earners always have a few more tax considerations, and that's true
in 2012. In 2013, a new 3.8 percent Medicare tax is slated for collection on profits
from the sale of investment property.
This includes capital gains, dividends, interest payments and, for those who own
rental property, net rental income.
The tax will apply to individuals with a gross income of $200,000 or more or married
couples filing jointly with a combined gross income of $250,000 or more. If you're in
the targeted income brackets, talk with your tax and investment advisers about
steps you can take this year to prepare for the new tax.
Assess AMT danger
The alternative minimum tax, or AMT, is a continual tax trap for millions of
middle-income taxpayers. This parallel tax system was created in 1969 to ensure
wealthier taxpayers pay a minimum amount of taxes, primarily by disallowing
several common deductions that are claimed under the regular tax system.
But because the AMT is not indexed for inflation, Congress must increase the
income levels affected by the alternative tax.
It's possible that tax reform in 2012 could eliminate the AMT, a longtime goal of
many lawmakers. But just in case that doesn't happen and you fear you might end
up paying the alternative tax, talk with your tax adviser about ways you can limit
your AMT exposure.
Give gifts
Giving to charity can help reduce an annual tax bill, but if you have a large estate,
gifts also are important estate tax tools. Thanks to the resurrection of the estate
tax in 2011, the unified gift tax also returned. This means you can give away $5
million during your lifetime without having to pay the 35 percent gift tax.
There's also an annual amount to note in giving away your estate's assets while
you're still around to get thanks. In 2012, you can give up to $13,000 each to as
many individuals as you wish without any tax costs to you or your gift recipients.
Evaluate estate tax implications
Speaking of the estate tax, the inevitable meeting of death and taxes will be a hot
topic in 2012. If Congress takes no action, the current $5 million estate exclusion
will fall to $1 million, and the tax on estates larger than that will be 55 percent on
Jan. 1, 2013. If your estate will be larger than $1 million, talk with an estate tax
adviser in 2012 about options to reduce any possible larger federal tax bite.
Hire a registered tax pro
The IRS is continuing its efforts to regulate tax preparers. The process began with
the registration of return preparers and the issuance of a personal Preparer Tax
Identification Number, or PTIN, to each. The IRS is ramping up its effort to hold tax
preparers accountable and weed out unscrupulous tax pros, with proposals to
fingerprint preparers and, in 2013, require them to pass competency exams. If you
hire a tax pro, ask about his or her IRS registration status, along with your usual
inquiries to verify the preparer's ability to meet your tax needs.
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from Forbes...The Ultimate
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rich get richer- // Bloomberg - Business & Financial News, Breaking News Headlines About the world billionaires...