Back in February, I posted an article regarding the First Time Home Owner’s Credit. It gave a pretty thorough breakdown of the program requirements.  While doing my daily browsing to stay abreast on various topics, I ran across an article that’ s alarming to me!  This money is available, but only for qualified individuals.  No, the government isn’t giving away any free money or money that you were entitled to that someone didn’t tell you about……. (continue reading…)

• Save Time, Money and Space in Over 80 Ways If you're looking for handy gadgets, tools and various items that can save you time, money or space (or all three!) this list of more than 80 top products is just what you need. Everyone's got saving money on their minds these days. Some of us are always looking to......
• Get Your Lending Club Loan Documentation Early For a Few Days of Free Money I was reading about LendingClub loans (I forget where, sorry) and I came across the following statement from Lending Club made to a lender on LC. Our loans expire two weeks after posting. This expiration date is the borrowers actual payment date, however some loans will fund early. Here is......
• New Rules for Capital Gains Taxation of Second Homes The IRS has targeted vacation homes, second homes, and even rental homes with new rules that govern taxation of capital gains. These new rules go into effect January 1, 2009.  Because ownership (or desire of ownership) of vacation homes is most common among baby boomers, it is an important issue......
• Review of Stop Sitting On Your Assets Marian Snow’s book had a lot of promise. First, it discusses equity harvesting and how to get the maximum amount of equity out of your home without being taxed on it. Second, it discusses how to use that money to make more money. Sounds great on the surface, but this......
• Striving for a Mortgage-Free Life If you read much in the area of personal finance you will frequently come across heated debates about the merits of living in a paid-for house as compared to having a mortgage.  Some folks will argue that mortgage money is cheap and that taking into account the tax benefits, it......

So, I am out and about and I randomly hear conversations while standing in line about some Individuals not understanding where they fit into this equation of the Economic Stimulus Bill that President Obama signed on Tuesday, February 17, 2009. I especially hear the Elderly conversing about them having to tap into their savings to make ends meet. They are paying more money for health care and prescription costs. Yet, they aren’t receiving an increase in their fixed incomes. Some Elderly couples income are too much to receive assistance, but not enough to fully make ends meet; some are even having to apply for Food Stamps for the first time in their lives.

If you are Elderly, Disabled, or considered to be living in Poverty as more than 37 million and counting Americans are you will be happy to know that……. (continue reading…)

• Brand New 2009 Economic Stimulus Is Out Of This World! President Obama will be pushing through a brand new 2009 economic stimulus to help jump-start the economy! Just last week the stock market was starting to recover but since the recent announcements about GM and Chrysler a lot of doubt has been cast and this new plan is set to......
• Weekly Roundup: Economic Stimulus - Early Payments Edition Beginning Monday, April 28th, American taxpayers will begin to receive their economic stimulus rebate checks, a full week earlier than scheduled. My guess is that there is a growing concern that increased recessionary spending may be the only thing to pull us out of this slump. Hence, the need to......
• Will there be another economic stimulus check? With the recent announcement of President Obama's $787 billion economic stimulus bill, there are probably at least 787 billion different questions.  One of the top ones is "Will there be another economic stimulus check?".  The answer is No, but... Tax Impact The President's new bill takes a different approach......
• Will The Economic Stimulus Payments Have To Be Paid Back Now that many have already received their economic stimulus payments, and have figured out what to do with it, I'm seeing a lot of questions asking "Will the stimulus payment need to be paid back?" The quick answer is no. According to the IRS the economic stimulus payment is......
• What's In The Economic Stimulus Package For You Other Than Cash? I get at least a few emails a week asking for more details about the economic stimulus package, so I figured I would go looking for a couple more examples of how it will be affecting you. I already wrote about the cash and paycheck aspects of the stimulus, but......

If you are one of the many of Homeowners who are not First Time Home Buyers, but you are seeking to save money in the future……….. (continue reading…)

• 2009 Federal Energy Tax Credits What you may know as the $700 billion dollar bailout is actually called the Emergency Economic Stabilization Act of 2008. Much of this act probably made you feel upset and even alienated. One of the positive things that is coming from this Emergency Economic Stabilization Act of 2008, however, is......
• How to Install a Window Air Conditioner the Right Way As summer approaches, those of us without central air are getting ready to go through the annual ritual of installing our window air conditioners. However, were you aware that a bad installation can actually raise your electricity costs and make it harder to say cool? Here are some tips to......
• $15,000 Homebuyer Tax Credit Added to Proposed Stimulus About a week ago we brought you a post describing a proposal by Senators Cardin (D-Maryland) and Ensign (R-Nevada) that would give first-time homebuyers a $20,000 tax credit, replacing the current $7,500 credit. Unfortunately, it appears this proposal has failed to move forward. However, on Wednesday night the Senate unanimously approved......
• First-Time Home Buyer Tax Credit Recently I visited my condo building for the grand opening weekend. I was not allowed to see my unit as the unit itself was not complete, but more importantly the third floor was not completed. The grand opening was the first time I was allowed to see the inside of......
• First Time Home Buyer Tax Credit The existing $8000 first time home buyer tax credit will be extended under a proposal by Senate Democrats. In addition to that, some people who already own a home and buys a new one could qualify for a $6,500 credit if they have lived in their prior residence for......

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• Reader of the day, Paul Simon, Born at the right time Gordon tells me this is one he thinks a lot about. For Gordon and the rest of us... I'm making Gordon retroactive-Reader of the day, since I hadn't started that category yet. You have a clever way of getting one to read your blog. You are so busy on this......
• My Life in and Out of the Rough (The truth behind all that bull**** you think you know about me) - John Daly with Glen Waggoner Out of all the characters the game of golf has produced, few are as vitriolic or misunderstood as John Daly. Many have compared the man to a car wreck, it's simply impossible to want to turn away. Luckily, his book has the same effect on the reader and this is......
• Dillyeo.com Deals Of The Day As most of you know, I don't do a lot of shopping. But when I do, I like to get a bargain, and I usually find them online. I recently discovered a fun site that offers one item a day at a rock bottom price. Dillyeo.com appeals to me for......