TAX ADVICE, TAX KNOWLEDGE, TAX ADVANTAGES, TAX DEDUCTIONS

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Tax strategies, Tax advantage, Tax advice for all. HOW TO REDUCE YOUR TAXES TO GET MAXIMUM RETURN FROM THE I.R.S.?

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TAX KNOWLEDGE: MEANING TAX SAVING,
EQUAL MORE MONEY FOR YOU!

HOME OWNERSHIP & INCOME
TAX DEDUCTIONS.
Two deductions are permitted for owners of
primary and secondary residence: Property
taxes and Mortgage interest.

ACQUISITION FINANCING
This sort of financing is used acquire,
construct, or to improve a primary or a
secondary residence.

To qualify as an acquisition loan, either the
mortgage has to be in place or the
paperwork for the mortgage must be in
progress at closing. The total mortgage
indebteness on both loans cannot exceed
$1100,000 for tax deduction purpose.

EQUITY FINANCING
Equity financing can be a first, second, or
third mortgage. Regardless of the form or
the purpose of the loan, only the interest on
the first $100,000 of equity financing is
deductible.

POINT OR DISCOUNT POINT
Buyers or Sellers may deduct points as a
form of prepaid interest under some
circumstances. Under certain conditions,
buyers may deduct points in the year they
are paid.

PREPAYMENT PENALTIES
Fees charged to owners who sell or
refinance their home before amortizing the
mortgage are treated as additional interest
and can be deducted in the year they are
paid.

CAPITAL GAIN
This is profit earn, or the difference
between the cost, or the adjusted basis of
an asset, and the net proceeds from a sale.

TAX RELIEF OF 1997
Taxpayers have a number of methods by
which they can avoid capital gain tax on
sale of their homes.

For example, if you have lived in your
primary 2 of the last 5 years: a single
person has an exemption from capital gain
tax up to $250,000 and a married couple up
to $500,000.

MOVING EXPENSES
Some expenses of purchasing a home can
be used as a tax deduction in the tax year
that the home was purchased.

AS A CERTIFIED SPECIALIST IN
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THE BEST TAX ADVICE THAT I CAN
OFFER TO ALL CLIENTS AND
NON-CLIENTS:

IS TO SEEK EXPERT COUNSEL
FROM IRS, TAX ADVISORS, CPA,
AND OR LAWYERS ETC.

TAXES

Possible TAX Deduction
because of certain events

Did you know that there are events in life
that may have a significant tax impact?

Many times we experience significant life
events that have a tax impact too! This
page is designed to help you while
explaining to individuals the tax impact of
these events.

Taxpayer Rights

From Birth through Childhood

Publication 4156 , Life Cycle Brochure
Publication 501, Exemptions, Standard
Deductions, and Filing Status
What is an ATIN?
Information for Parents of Kidnapped
Children
Publication 972, Child Tax Credit
Publication 3961, The Child Tax Credit
Stuffer
Publication 3965, Got Kids?
Earned Income Tax Credit can lower your
federal tax liabilities
EITC Assistant.- Find out whether you are
eligible for the Earned Income Tax Credit
Publication 929, Tax Rules for Children
and Dependents
Credits
Publication 970, Tax Benefits for
Education
2004 Form 8615, Tax for Children Under
Age 14 Who Have Investment Income of
More Than $1,600
Form 8863, Education Credits (Hope and
Lifetime Learning Credits)
Publication 587, Business Use of Your
Home (including use of home by Daycare
Providers)

Itemizing Tax Deductions
When you purchase a home, you're more
likely to be able to itemize tax deductions
on Schedule A. The following are more
common itemized tax deductions not
related to your home:

medical and dental expenses
state and local income tax or sales tax
personal property taxes (usually on your
car)
gifts of cash and property to qualified
religious and charitable organizations
casualty and theft losses
tax preparation fees
investment expenses

Claiming the Mortgage Interest Tax Deduction
Mortgage interest you pay on loans up to $1 million ($500,000 Married Filing
Separately) is tax deductible, provided you used the money to buy, build or
improve your home and the loan is secured by your home.

Plus, the interest you pay on loans secured by your home and used for a
purpose other than to buy, build or improve your home is tax deductible for
loans up to $100,000 ($50,000 Married Filing Separately). The limit may be
reduced depending on the market value of the home at the time you take out
the loan. Use equity lines of credit wisely. If you fail to make the payments, you
put your home at risk.

If your income meets the requirements and your state or local government
issued you a mortgage certificate credit, you may be eligible to claim a tax credit
(the mortgage interest tax credit) based on the amount of interest you paid. If
you claim the tax credit, you must reduce your interest tax deduction by the
amount of the credit.

Deducting Loan Origination Fees
Finally, don't forget about points, also called loan origination fees. One point
equals 1% of your loan. Points you pay (and even points the seller pays) when
you purchase your home are generally tax deductible in full the year you pay
them.

Alternatively, you may choose to amortize the points over the term of your
mortgage. This choice is usually made only when your itemized deductions are
less than the standard deduction for the year you bought the home.

Points paid to refinance a loan must be deducted over the term of the loan. If
you deduct points over the term of the loan and sell the home or refinance it
again before the loan expires, you can deduct in the year of the sale or
refinancing any points that you didn't previously deduct. Find an H&R Block
office near you and let an H&R Block tax professional help you understand the
rules.

Mortgage Insurance Premiums
If you took out a first mortgage in 2007 or 2008, you may be able to deduct
qualified mortgage insurance premiums you pay in connection with the loan.
Qualified mortgage insurance is mortgage insurance provided by the Veterans
Administration, the Federal Housing Administration, or the Rural Housing
Administration, and private mortgage insurance (as defined in section 2 of the
Home Protection Act of 1998 as in effect Dec. 20, 2006). Prepaid mortgage
insurance premiums generally must be deducted over the period to which they
apply.

Gaining on the Sale of Your Home
When you sell your home, the IRS allows you to exclude gain on the sale from
taxable income, up to $250,000 ($500,000 Married Filing Jointly and you both
meet the use requirement).

You can claim the exclusion if you own and use the home as your main home
for at least 2 years during the 5-year period ending on the date of sale. You may
claim this exclusion only once in any 2-year period.

If you don't meet the 2-year requirement, you may be eligible to claim a reduced
exclusion if you sell your home because of an "unforeseen circumstance," such
as a change in employment or a divorce. A loss on the sale of your home,
however, isn't tax deductible.

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Most-Overlooked Tax Deductions

Every year, the IRS dutifully reports the most common blunders that
taxpayers make on their returns. And every year, at or near the top of the
“oops” list is forgetting to enter their Social Security number at the top of
the tax form--or making a mistake when entering those nine digits.

No doubt about it: The opportunity to make mistakes is almost unlimited,
and missed deductions can be the most costly. About 46 million of us
itemize on our 1040s -- claiming nearly $1 trillion worth of deductions. That’
s right: $1,000,000,000,000, a number rarely spoken out loud until
Congress started debating economic-stimulus plans to combat the Great
Recession.

Another 85 million taxpayers claim more than a half-trillion dollars’ worth
using standard deductions—and some of you who take the easy way out
probably shortchange yourselves. (If you turned 65 in 2009, remember that
you now deserve a bigger standard deduction than the younger folks.)

Yes, friends, tax time is a dangerous time. It’s all too easy to miss a trick
and pay too much. Years ago, the fellow who ran the IRS at the time told
Kiplinger's Personal Finance magazine that he figured millions of
taxpayers overpaid their taxes every year by overlooking just one of the
money-savers listed below:

1. State sales taxes. Although all taxpayers have a shot at this write-off, it
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 is a bigger burden than the sales tax, so the income-
tax deduction is a better deal.

The IRS has tables that show how much residents of various states can
deduct. But the tables aren’t the last word. If you purchased a vehicle, boat
or airplane, you get to add the state sales tax you paid to the amount
shown in the IRS tables for your state, to the extent that the sales-tax rate
you paid doesn’t exceed the state’s general sales-tax rate.

The same goes for any homebuilding materials you purchased. These
items are easy to overlook, but they could make the sales-tax deduction a
better deal even if you live in a state with an income tax.

The IRS even has a calculator on its Web site to help you figure the
deduction, which varies depending on the state where you live and your
income level.

2. Reinvested dividends. This isn't really a deduction, but it is a subtraction
that can save you a bundle. And this is the break that former IRS
commissioner said a lot of taxpayers miss.

If, like most investors, your mutual fund dividends are automatically used
to buy extra shares, remember that each reinvestment increases your tax
basis in the fund.
That, in turn, reduces the taxable capital gain (or increases the tax-saving
loss) when you redeem shares. Forgetting to include the reinvested
dividends in your basis results in double taxation of the dividends -- once
when you receive them and later when they’re included in the proceeds of
the sale. Don’t make that costly mistake. If you’re not sure what your basis
is, ask the fund for help.

3. Out-of-pocket charitable contributions. It’s hard to overlook the big
charitable gifts you made during the year, by check or payroll deduction
(check your December pay stub).

But the little things add up, too, and you can write off out-of-pocket costs
incurred while doing good works. For example, ingredients for casseroles
you prepare for a nonprofit organization’s soup kitchen and stamps you
buy for your school’s fundraising mailing count as a charitable
contribution. If you drove your car for charity in 2009, remember to deduct
14 cents per mile.

4. 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 loans, the IRS treats the money as if it was given to
the child, who then paid the debt. So, 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.

5. Moving expenses to take your first job. Here’s an interesting dichotomy: Job-
hunting expenses incurred while looking for your first job are not deductible. But
moving expenses to get to it 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.

6. 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 2009 for driving your own car to get to and from
drills. In any event, add parking fees and tolls. You get this deduction regardless of
whether you itemize.

7. Child-care credit. A credit is so much better than a deduction; it reduces your tax
bill dollar for dollar. So missing one is even more painful than missing a deduction
that simply reduces the amount of income that’s subject to tax.

If you pay your child-care bills through a reimbursement account at work, it's easy to
overlook the child-care credit. Although only $5,000 in 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 through a plan at work but spend even more for work-
related child care, you can claim the credit on as much as $1,000 of additional
expenses. That would cut your tax bill by at least $200.

8. 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.

. State tax paid last spring. Did you owe tax when you filed your 2008 state
tax return in the spring of 2009? Then, for goodness’ sake, remember to
include that amount in your state-tax deduction on your 2009 return, along
with state income taxes withheld from your paychecks or paid via quarterly
estimated payments.

10. Refinancing points. When you buy a house, you get to deduct in one
fell swoop the points paid to get your mortgage. 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.

11. Jury pay turned over to your employer. Many employers continue to pay
employees’ full salary while they serve on jury duty, and some require
employees to turn over their jury pay 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 you pay to your
employer.

But how do you do it? There’s no line on the 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.

12. Property-tax deduction for nonitemizers. 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 if they’re single and up to $1,000 if they’
re married and file a joint return -- to account for property taxes paid during
2009. You’ll need to include extra paperwork -- a Schedule L -- with your
2009 tax return to get this break.

13. Casualty-loss deduction for nonitemizers. For 2009, taxpayers who claim the
standard deduction can add casualty losses to their standard-deduction amounts -- if
the loss occurred in a presidentially designated disaster area. Also, the casualty-loss
deduction for losses in presidentially declared disaster areas is not subject to the usual
reduction equal to 10% of your adjusted gross income.

If you suffered such a loss, be sure you let Uncle Sam help you out by lowering your
tax bill. As with the property-tax deduction for nonitemizers, you’ll need to file a
Schedule L with your return to pump up your standard deduction to include the loss.

14. Hope credit for college juniors and seniors. 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 those levels. The income limits are
higher than last year’s.

15. Making Work Pay credit. You’ve probably been enjoying the fruits of this credit via
reduced payroll tax withholding since spring 2009. But to lock in your savings–by
reducing your tax bill by $400 if you’re single or $800 if you’re married and file a joint
return–you’ll need to actually claim the credit on your 2009 tax return—and you’ll use
brand-new Schedule M to do so.

The credit is equal to 6.2% of your earned income, capped at $400 or $800. For
single filers, it starts phasing out at $75,000 of adjusted gross income and dries up at
$95,000. The phase-out zone for couples is $150,000 to $190,000.

16. Sales-tax deduction for new vehicles. If you bought a new car, truck, motorcycle or
motor home after February 16, 2009, and before the end of the year, you can deduct
the sales tax paid -- up to a maximum purchase price of $49,500 per vehicle -- either
as an itemized deduction or, if you claim the standard deduction, as a supercharged
standard deduction. The benefit begins phasing out for married couples with adjusted
gross income over $250,000 and singles with AGI over $125,000, and it is completely
gone for single filers with AGI of $135,000 or more and joint filers with AGI of at least
$260,000. Nonitemizers 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.

17. Credit for energy-saving home improvements. The tax credit equal to 10% of the
cost of energy-saving home improvements is increased to 30% for 2009 and 2010,
up to a maximum of $1,500 in the two-year period.

The credit applies to biomass fuel stoves, qualifying skylights, windows and outside
doors, and high-efficiency furnaces, water heaters and central air conditioners. In
addition, the dollar limit on a particular type of improvement, such as the $200 cap
on the credit for windows, has been repealed.

18. Break on the sale of demutualized stock. Taxpayers won an important court
battle with the IRS in 2009 over the issue of demutualized stock. That’s stock that a
life insurance policyholder receives when the insurer switches from being a mutual
company owned by policyholders to a stock company owned by stockholders.

The IRS’s longstanding position was that such stock had no tax basis, so that when
the shares were sold, the taxpayer owed tax on 100% of the proceeds of the sale.
But after a long legal struggle, a federal court ruled that the IRS was wrong. The
court didn’t say what the basis of the stock should be, but many experts think it’s
whatever the shares were worth when they were distributed to policyholders. If you
sold stock in 2009 that you received in a demutualization, be sure to claim a basis
to hold down your tax bill.

19. Home-buyer credit. We put this last on the list because it’s hard to imagine any
taxpayer missing this big a tax break. But the rules changed late in the year, so
snafus are certain. For most of the year, only first-time home buyers qualified for this
credit. A “first-time buyer” is defined as someone who didn’t own a home in the three
years leading up to the purchase of a new home.

But big changes apply to homes purchased after November 6, 2009. First, in
addition to the $8,000 credit for first-time home buyers, there’s a $6,500 credit for
longtime homeowners, those who continuously owned a home for at least five of the
eight years leading up to the purchase of a new home. The new law also increases
how much buyers may earn and still claim the credit.

For deals closed before November 7, the right to the first-time buyer credit gradually
disappears as adjusted gross income rises between $75,000 and $95,000 on single
returns and between $150,000 and $170,000 for married couples who file jointly.
For purchases after November 6, the phase-out zones–for both the $8,000 credit and
the $6,500 credit -- are $125,000 to $145,000 for singles and $225,000 to $245,000
for married couples

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