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Bad credit - why so prevalent?
Many "experts" blame the epedemic of credit problems in current society on factors such as lack of stable permanent employment, relegation of importance of marriage and the family unit, inadequate healthcare and insurance provision and failing...
Building Business Credit
Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally. This means less risk to the owners. But wanting to get credit for your business and actually getting it can be two...
Every company, whether big or small, needs to obtain a business credit card
As a business person working in a competitive environment, owning a business credit card is crucial, especially in today’s world where every credit card company is fighting for your business. If you are like many business owners that think that...
New Law Provides Free Annual Credit Report
As of Thursday, December 1, 2004, one-third of Americans will be able to access their credit reports from all three main agencies for free. Passed in late 2003, the Fair & Accurate Credit Transactions Act creates a central source consumers can...
The Fair Credit Reporting Act (FCRA) And You
Your credit report gets viewed by other people besides credit
grantors. Potential employers and insurance companies can deny
you employment, auto and home owner's insurance based on your
credit report. Understand your rights protected by The...
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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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Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
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Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
credit.about.com |
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