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A Guide to the Bad Credit Personal Loan
Here is a useful guide to the bad credit personal loan. If you find yourself in need of extra money but without the good credit needed for an unsecured loan, you may want to consider getting a bad credit secured loan. These loans require you to...
Bad Credit Home Loans - Pre-Approval is Still Possible With Adverse Credit History
If you are among the millions with less than perfect credit, there are many sources available to you in obtaining a mortgage. Lenders that specialize in mortgages for those with bad credit are competing for your business. The lender will analyze...
Bad Credit Payday or Cash Advance Loans - No Credit Check Required
If you are in need of extra cash until pay day, you may want to consider applying for a pay day or check loan online. A pay day loan can be obtained online and with no credit check. Bad credit will not disqualify you from qualifying for a pay day...
How To Save Money On Credit Cards
Some credit cards offer a cash advance option. But how good a deal is this? Not very. In fact, it can be downright expensive. Why? Because every time you use your credit card to withdraw case, more fees kick in: Cash advances can...
Little Known Facts About Your Credit Score
Little known facts about YOUR credit report ...
Changes are afoot! According the U.S. Federal Trade Commission (FTC), you are entitled to a FREE copy of your credit report if you meet any of the following guidelines:
· Are unemployed and are...
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Child and Dependent Care Credit can help you save on your taxes
The cost of raising a child is elevating every day. Paying for
baseball leagues, dance lessons, day care, clothing, food and
school supplies can add up to be a large sum of money. On the
other hand, if you are caring for a parent, a spouse or any
other dependent that are physically or mentally incapable of
caring for themselves can also add up to be a large sum of
money. If you are in either one of these categories, the IRS has
a child and dependent care tax break for you to save money on
your income tax.
According to the IRS website, this credit is available to people
who, in order to work or to look for work, have to pay for child
care services for dependents under age 13. The credit is also
available if you paid for care of a spouse or a dependent of any
age that is physically or mentally incapable of self care. "Many
people do not know on how many different ways they can save
money on their taxes," said Jayson French, a tax practitioner
for Palm Beach Tax Center. "Child and Dependent Care Credit can
be very helpful for parents that have to pay for daycare and
other work related expenditures."
The tax credit is a percentage, based on your gross income will
cover work related child and dependent expenses. For example, if
your child needs after-school care because you work until 6
p.m., you will fit in this category. Conditions that apply:
- You must
have earned income from wages, salaries, and tips or
other taxable employee compensation, or net earnings from
self-employment. If you are married, both you and your spouse
must have earned income, unless one spouse was either a
full-time student or was physically or mentally incapable of
self-care.
- The payments for care cannot be paid to someone you can claim
as your dependent on your return or to your child who is under
age 19.
- Your filing status must be single, head of household,
qualifying widow(er) with a dependent child, or married filing
jointly.
- The care must have been provided for one or more qualifying
persons identified on the form you use to claim the credit.
-You (and, if you are married, your spouse) must maintain a home
that you live in with the qualifying child or dependent.
For more information, go to
http://www.irs.gov/newsroom/article/0,,id=106189,00.html
About the author:
Pete Glocker is employed in the Education and Charitable
Services Department at Debt Management Credit Counseling Corp.
("DMCC"), a 501c(3) non-profit charitable organization located
in Boca Raton, Florida. Pete graduated from Florida Atlantic
University with a BA in Multimedia Journalism and is an
experienced web producer for Tribune Interactive products
Sun-Sentinel.com and SouthFlorida.com. DMCC provides free
financial
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