- Itemized deductions (Schedule A)
- Tuition deduction
- Homebuyer credit
- Homebuyer credit repayment
- K-12 educator expense
- Casualty / theft loss
- Alternative motor vehicle credit
VOIP Home Phone Service Saves You Over $300 a Year.
Are you still paying $40 for your home phone service? Switch to VOIP & save a significat amount of money on your home phone. Even if you have Vonage and are paying $25 a month, you can still save money with this service
Â
15 Â Reasons To ORDER NOW!
1.) Eliminate your phone bill, pay only a one time fee of $135 a year for your home phone service
2.) FREE Lynksis VOIP home phone adapter a $50 Value FREE!
3.) Save over $250 a year by switching to our voip home phone service
4.) Keep your existing home phone number!
5.) Use your existing home phone equipment, no need to buy new ones
6.) Get your voice mail via text message or have them e-mailed to you
7.) Unlimited Calls to USA & Canada, most countries are only 2.0 cents a minute
8.) Create unique,different phone numbers that ring through to the same line
9.) Create & Manage contact lists & groups through vpanel
10.) Online Call logs, so you always know who called and when!
11.) Free voip phone service activation until the end of the month! Usually a $25 fee
12.) Over 500,000 new phone numbers available in over 7,000 areas.
13.) *NEW* 60 FREE Minutes of international calls every month.
14.) US based customer service, for any home phone service questions
15.) 100% Satisfaction Guaranteed. If you’re not happy, just cancel within 30 days and return the VOIPo adapter to us and we’ll refund 100% of your service fees
March 17, 2011
· 
· 
No Comments
Posted in: saving money
Tax Return Status “Federal return awaiting IRS processing” IRS Delayed Tax Processing until February 14th 2011
The IRS usually  begins to accept  individual tax returns in early January, however, due to recent tax legislation, the IRS cannot accept returns from certain individuals until mid February for the 2010 Tax Return Season. This means that you have from February 14th to April 18th of 2011 to file your tax return. The reason for the delay is
that  last minute changes  were made to the  Tax Relief Act of 2010.
So even if you e-filed your taxes, you may still not see your return until late February. Although this may sound as bad news, it actually could mean that you get more money back. The Tax Relief Act of 2010 reinstated several deductions that had already expired.  No matter where you do your taxes, this will apply, its not just certain places. Since the changes are recent, it will take some time to update all the IRS systems. If you have submitted your return, and have any of the deductions below, your return will be delayed, and after processing, it can still take 10-15 days to get your return. This is a list of deductions that will be available and  processed until February 14th 2011, this is also why your status may be “Federal return awaiting IRS processing” for longer than expected.
February 1, 2011
· · No Comments
Tags: irs tax delay, tax return, tax return processing · Posted in: Personal Finance
3 Reasons To E-File Your Income Tax Return Online & Save Money
There are three major benefits to filing your income tax online, and you should really look at them before going to your accountant and shelling out a large amount of money on your income tax return. The software that is available nowadays allows you to work with it in a fast and easy manner. This software is something that will change the idea of taxes  from a hardship to a simple task. You will find that it is very fast using an efile tax return, and you will be able to do it in your own home while at the same time saving a lot of money. This really is a very simple system.
If you have a complicated tax return, and you feel that you must see an accountant then this may be the best choice for you. Go ahead and see your accountant. If you have a simple tax return to prepare, however, you should consider going out and buying one of the many software packages that will allow you to prepare your tax return online and submit an efile tax return. This software will keep you organized in your thoughts as you are preparing your return, and they are updated to include all of the up to date state and federal tax laws. They will guide you through the return in a simple step-by-step procedure. This is what most people need when it comes to filing a tax return because the forms are such a burden to fill out. Step-by-step instructions take all of the guesswork out of the forms, and ensure that you get it done right the first time.
Doing your tax return in your own home means that you can do it at your own speed in your own time. You do not have to wait for an appointment with an accountant, and you do not have to wait in line at a post office to mail out your return. You are able to print off a copy of your efile tax return for your own records with your own computer printer. You don’t have to waste any gas or get caught in any traffic lineups. You will save gas costs and accounting costs by doing your efile tax return in the comfort of your own home. More and more people are choosing this option to efile their tax returns.
The software available to help you with your efile tax return is available online for your convenience. You can try to file your taxes online without the software, but if you are one that becomes confused easily with the whole tax system, it may be worth your money to invest in one. It will help you avoid any possible frustrations that you may get by doing an efile on your own. Tax can be simplified, and you can do it yourself, or with the help of software. Any simple tax return does not really need the help of an accountant, and you can save money by doing it yourself. You can use the extra money to get something special for yourself, and you deserve it.
If you are looking to do your own taxes for free and make under $58,000 you can do a free e-file here: Official IRS Website
If you are an investor, or self employed and your taxes are a little more complicated here is a good resource where you can save on H&R Block At Home Software : www.UntimateCoupons.com
Read more: Here
January 24, 2011
· · No Comments
Posted in: Personal Finance
From Consumer Debt & Credit Card Debt, to Wealth in Only 5 Years with John Commuta
Credit Card Debt
Since the international markets began to struggle within the backend of 2008 and all the way through 2009 to the modern day there has been nothing but negative news inside the economical world from the fall of Lehman Brothers Bank through to the likely bankruptcy of Greece, agreed it’s been stressful period. These situations give an unswerving force on the broad community with vast occupational losses, office closures and recruitment freezes. The follow on result from this is consumer debt is on the upsurge as of June 2010 consumer debt had reached $2.5m within America only, and with numerous parts of the nation struggling to come across the funds to reduce their debt, Â debt has been predicted to escalate. Join this with the piece of information that lots of people presently suffer from excessively astronomical interest rates on their amounts overdue they are struggling to shell out even the bare minimum amounts off on a regular basis.
Consumer Debt is a key Cause of Stress
Lots of consumers are receiving correspondence from their banks at the moment stating that either their credit rating has dropped and they’re not to draw on their cards anymore, alternatively that they’re raising their interest charge, very often with no reasoning at all, unfortunately the banks and credit companies are aware they can do what they desire due to the fact that numerous consumers don’t enjoy an option due to the fact they’re depending on their credit cards and store cards to pay for the bare essentials in life. This now itself is causing the normal consumer serious stress issues. Economic worries are fast becoming the key causes stress.
What Could be Done to Relieve Stress
If you are suffering from the stress of having consumer debt, you are more than likely feeling one or most of the following; illness, lack of appetite, unable to be asleep, and shortness of temper. However if you desire to fix these problems subsequently you can by following the 3 step strategy:
1)Â Â Â Â Â Â Â Â Â Â Â Accept you own above what is usual level of consumer debt and there’s an issue.
2)Â Â Â Â Â Â Â Â Â Â Â Seek help from an industry professional he industry.
3)           Believe that it will take you time to get out of debt, after all it took you a period of to get in to debt.
What Are My Solutions To My Consumer Debt?
There are different solutions to your consumer debt levels however what one is best meant for you I couldn’t comment. These solutions could be; Debt Consolidation, Debt Management, Debt Settlement Plans, or Bankruptcy in order to identify which solution is best in favor of you then you need to talk consumer debt specialist straight away. The worst thing you can do is not deal with the issue seeing that it’ isn’t going to disappear and I would urge you to look into some advice in favor of your economic issues straight away seeing that it will make a start to resolve you stress issues at the same time as your economic problems.
John Cummuta Transforming Debt Into Wealth Program
John Commuta’s transforming debt into wealth program has helped thousands of people get out of debt, and into the life they really want to lead. This program teaches you how to pay off your debt in 5 to 7 years. And this includes your mortgage! That is HUGE!  It doesn’t matter how much you owe, or how much you make, this program is practical and simple to follow. Begin 2011 with a new slate and commit to finding your way out of debt once in for all!
“Stop being a prisoner of debt. Discover how good it feels to wake up every morning knowing you own your car, your house, and everything in it.Turn you debts into wealth and never worry about money again.”
-John Commuta
Learn More about the John Commuta Debt  To Wealth Program Here
Read more: Here
Under Creative Commons License:Â Attribution
January 7, 2011
· · No Comments
Tags: consumer debt, Create Wealth, credit card debt, debt free, Get Out of Debt · Posted in: Featured Product, Personal Finance, debt elimination
4 Tips for a Stress-Free 2011 Tax Season
Many people panic over doing their taxes, and end up procrastinating. Here are some tips to make sure you get them done smoothly and easily.
Start early. For the most part, your W-2 forms will be sent out by January 31, giving you two and a half months to complete your taxes. Make sure any former employers have your current address on file, or change your address with the post office if applicable. Gather any receipts you’ll need for deductions (such as charitable contributions, tuition payments, etc) before your W-2s come so you’ll be ready to go. The earlier you do them, the less likely you’ll be to loose the documents! Speaking of that, make sure you keep everything in a safe place, such as a file folder or lock box, perhaps with other important documents.
Get help. If you make under $54,000, you can have your taxes prepared and electronically filed for free. Check irs.gov to find out how. If you are married, own property, own your own business or have other complicating factors, you might want to hire a tax professional, such as Jackson Hewitt or H&R Block. An appointment usually takes an hour or less. However, depending on how complicated your taxes are, these appointments can cost up to a few hundred dollars, so make sure it’s worth it in terms of the extra amount you’ll get back and how much of your own time you’ll save. Those companies also have online programs that guide you through your own tax preparation Choose that or Turbo Tax if you’d like to save money but get the most deductions.
Expect trial-and-error. If you’ve changed your W-4 in any way this year you might be in for a surprise when it comes to how much you’ll owe or be refunded. If you start a new job in a higher tax bracket, your withholdings will change. The same goes for getting married or adding dependents. If your W-4 withholdings are at the lower, married rate, you might end up owing money. The same goes for the amount of deductions on your W-4. If you owe money this year, lower the number of deductions on your W-4 or have your taxes withheld at the higher single rate. You can ask your employer for a new W-4 form at any time. If all else fails, you can have an extra amount withheld from each paycheck – say, $10 – or just automatically stick that amount in an interest-bearing account, so you’re more able to manage paying taxes next year.
Try to zero out. Everyone loves a refund, but in essence, you’re giving the government an interest-free loan. If you get $1,000 back this year, you might stick it in savings or go on a shopping spree, but if you had gotten that money in your paycheck and put it in a CD with 4% interest, you’d have $40 extra. Up the number of deductions or lessen the amount that’s taken out of your paycheck, and automatically transfer the difference into your savings. That way, you’ll be less tempted to see it as free money! Just make sure you actually DO save it and won’t be tempted to spend a little extra each paycheck on a treat for yourself.
This article is brought to you by http://www.getinstantcashadvance.com
Under Creative Commons License: Attribution
December 30, 2010
· · No Comments
Posted in: Finance, Personal Finance
Car Accident Update Everything is Better
Well I am happy to say that things are sure looking better now. I am going to the chiropractor, and I feel better. I also did get my insurance check for my car  and I now own a very nice Honda civic. State Farm did determine that it was the other driver’s fault and so the issue is resolved now. It was really tough dealing with everything, but now I can look back and everything is alright.
December 23, 2010
· · No Comments
Posted in: Uncategorized
I Was In A Car Accident. 5 questions to ask your insurance agent, before you get in an accident.
I  was recently involved in a car accident on November 29th, in Grapevine TX, by the DFW airport. I was driving an 07  Blue Corolla, and the lady who pulled out in front of me was driving a Mercedes SUV. I was driving on William D. Tate, going north, on the 3rd lane, and the woman who hit me was on the turn lane ,about to make a left turn. The other 2 lanes to my left, let the woman through, and as she turned left, I was going straight and did not see her and we both crashed into each other. I was in total shock for the first few minutes, and the ambulance eventually came and took me to Baylor hospital, where it was determined I had a chest contusion. I was prescribed multiple pain killers and muscle relaxers and I had to be off work  for 4 days.
I can not explain how frustrating it has been to deal with both insurance companies. Even though the police report confirmed that I had the right of way, the insurance companies still have to “investigate” the claim.  My insurance company is State Farm, and the other person’s is USAA, and neither of them have been at all considerate, because they are still trying to determine fault. I finally went ahead and got an attorney involved, because I don’t see this issue being resolved soon at this pace. Needless to say, I am very happy and thankful to God that I am alive. I thought I would share what I have learned from this terrible situation, to make sure that everyone out there has the right auto insurance coverage. Now I have “full-coverage” but apparently that didn’t cover very much.
Call your insurance agent ASAP and ask these 5 questions:
1.) Does my insurance cover a rental car?
Apparently mine didn’t, only after my car accident  did I know that this coverage would only cost like $2 a month more.  So I am stuck driving my dad’s old Cavalier, until they decide on something!
2.) Does my insurance cover MY personal injuries if I need to see a chiropractor right away.
Turns out that if you don’t you would have to pay money out of pocket while they determine fault. I did not know this. Good think mine did cover it.
3.) If I am at fault, would my expenses still be covered?
What I was told by my agent is that if I am at fault, then I would pay my deductible, and they would pay the benefit to the other driver, but it wouldn’t cover any of my costs. I thought that was ridiculous. I want to protect myself as well, it would only make sense.
4.) If I still owe money on my car, will the insurance pay the lien holder if my car is totaled?
They said they would, so they better.
5.) Do I have to pay any fees for having the car towed and in the pound for 2 weeks?
This one is yet to be determined. I really hope I don’t have to pay any fees for a car I can’t even drive!
So tomorrow it will be 2 weeks since the accident, I really hope everything gets resolved before Christmas. I really need a car, since my dad’s old Cavalier does not have a heater, and it is getting cold! Like I said, I hope my attorney does a good job, and makes the process a little faster. Hope everyone stays safe and sound, and please check you have the right coverage, you don’t think it’s really that important, until you REALLY need it!
December 13, 2010
· · No Comments
Tags: auto insurance, car accident, car insurance, car wreck · Posted in: Insurance, Personal Finance
5 Factors that affect your Credit Score & why they are important.
Credit Score
Your credit score is one of the most important things that will determine your financial success. Without a good credit score, it is nearly impossible to finance anything. Many lenders will not even consider you, if they think you are too high risk. Everyone has a credit score, and major life decisions will depend on it.
Need Good Credit Score to do the following:
Buy a home
Get a cell phone
Finance furniture
Buy a car
Pay for college
Short term loans
Good interest rates
Get insurance
Many jobs will look at it, to determine if you are a responsible candidate.
The list goes on
The Factors That Affect Your Credit Score:
Payment history is 35% of Your Credit Score
If you have any late payments, this is likely to bring your score down quite a bit. However it is important to remember that the most recent information is weighed more. If you had a late payment 3 years ago, it is not as bad as having a late payment 3 months ago.
Outstanding Debt is 30% of Your Credit Score
If you have multiple credit cards that are all maxed out, you are shooting yourself in the foot. Most creditors like your usage to be around 30% to 40$ of your available credit. For example i you have a card with a credit limit of $1000, you want to keep your balance between 300 and 350. Try your best to pay it off every month, as if you have a lot of revolving debt, it can look bad to creditors.
Length of Credit History 15% of Your Credit Score
The longer you’ve had established credit, the higher your credit score will be. That is why it is important NOT TO cancel the credit cards that you have had for a long time.
Payment history 10% of Your Credit Score
This will include any recent inquiries and any new accounts that you have opened. This is important because you have to make sure that you don’t make too many inquiries, as it will hurt your score. Also if it looks like you are desperately applying at say, different car dealerships, that will raise a red flag.
Types of Credit 10% of Your Credit Score
Lenders like to see that you can handle different kinds of credit. I usually recommend having 2 credit cards, a loan, and a house or car payment.
The national average credit score is about 670 give or take a few points. The current trend is for credit scores to keep going down due to high debt, foreclosures, and other financial troubles. Keep in mind how important it is to have a good credit score, and all the
doors that it will open for you, or close, depending on your situation.
December 1, 2010
· · No Comments
Tags: Credit, Credit Report, Credit Score · Posted in: Credit, Credit Repair, Credit Tips
Little Known Secret To Delete Negative Items from Your Credit Report
This is a really simple way that you can take negative items off from your credit report. Per the FCRA everything on your report must be up to date, verifiable, and accurate. Accuracy will be the keyword, when using this method. Because everything on your credit report must be accurate, this little trick CAN DELETE potentially negative items because they are NOT ACCURATE. The first step is to actually order your credit report
The place I usually recommend is www.annualcreditreport.com because its actually free. Or you can also order them through the mail by writing a letter to each bureau, but that usually takes a lot of time, and you want to When you get a copy of your credit report it will look something like this:
Creditor Name Account #
Verizon Inc. 12345xxxx
OR
Bank Of America 12345….
Now what is wrong with these account numbers? They are NOT ACCURATE!! Because your account DOES NOT END in xxxx or ….!
That is right, you can actually dispute for this reason! Isn’t that awesome
A sample letter would be :
Please remove the following account from my credit report, this information is not accurate, the account number does not match my records.
One wouldn’t think it would be so easy, but it really is a simple way to dispute things on your credit report that are not accurate, verifiable and up to date.
November 19, 2010
· · One Comment
Tags: Bad Credit, credit repair, credit scores, dispute credit report, Fix Credit · Posted in: Credit Repair, Credit Tips
Black Friday 2010 Tips To Getting The Best Deals & Saving Money
Black Friday Ads are already posted all over the internet. This year will likely be a huge year, and all the retailers are building excitement by releasing their ads early, for shoppers to get a good idea at what the deals will be. Black Friday is a great day to save big bucks, and stock up on goods for christmas.
5 Main Reasons to Shop on Black Friday!
1.) Really good deals, you won’t get on any other day!
2.) Nearly every store you can think of has a Black Friday sale, if you’re going to buy stuff there anyways, you might as well save some money!
3.) Save on Bundle deals that are only available on that day.
4.) Get your shopping done in one day and save time, gas and money!
5.) It’s fun and exciting! ( Most of the time)
5 Tips to Make Black Friday Go Smoother
1.)Check out The following websites for Black Friday Deals information and start making your list:
www.blackfriday.info
www.blackfriday2010.com
www.black-friday.net
www.theblackfriday.com
2.) Choose which stores you plan to go to, and make sure you eat something, it may be a long day . . .
3.) Make sure you have a full tank of gas, and maybe a GPS if you’re driving around a lot.
4.) Grab the newspaper, that weekend there may be a lot of local deals, that may not be online.
5.) Get to your favorite store as early as possible, so you don’t miss the best deals. Some stores like Best Buy sell out of their top items really fast.
Are you one of those shoppers who likes to spend the night outside of Best Buy in a tent, waiting for the best deals? Let us know about your interesting Black Friday Stories!
November 12, 2010
· · No Comments
Tags: Black Friday, Black Friday Ads, save money · Posted in: Money Matters, Ways To Save Money, saving money