ocnative: (Retro: CA girl)
Information brought to you courtesy of [livejournal.com profile] chapstickqueen :


Here is where you can check your refund status if you already filed your taxes.
ocnative: (Announcing news)
I will reserve my opinion on this and post it for those who may be debating buying this year:

Low Down on the $8,000 First-Time Homebuyer Tax Credit

If you’re still on the fence about acquiring a home, then Uncle Sam has just thrown an extra incentive for those of you that’s still debating on waiting further or buying — a nice fat, $8,000 incentive (it’s not $15,000 but you take what you can get, eh?).

Since they’ve been throwing around a bunch of different numbers and qualification scenarios, here’s the fairly-certain low down on the new home buyer tax credit.

To Qualify for the $8,000 “First-Time” Homebuyer Tax Credit:

  • Home purchase must be made between January 1, 2009 and November 30, 2009.
  • Must be a “first time buyer.” In order to qualify for this status, you must not have owned a home for the past three years.
  • You must also live in the purchased house for at least three years, or you’ll be obligated to pay back the tax credit.
  • Homebuyers must make less than $75,000 for single tax filers, or $150,000 for couples.
  • Higher-income buyers will receive a partial tax credit, but details have not yet been fully released.
  • Single family residence purchases (condominiums, townhouses, co-ops) that will be used as a principal residence will qualify.

How to Claim the Homebuyer Tax Credit:

  • Simply claim it on your tax return.  You will not have to filed any other forms or papers.  If you’re not a procrastinator like me and you’ve already filed your taxes, you can simply file an amended return for 2008 to claim the credit.
  • What type of tax credit is it? It’s one of the better type: a refundable one.  This means that if you don’t owe any taxes, you will get any excess credit in the form of a fat refund check.  Example: If you owe $1,000 in taxes, you’ll get a $7,000 refund check.  If you’ve overpaid $1,000 in taxes, then you’ll get a $9,000 check. You can read more about refundable tax credit in the resource link below.
  • If you’ve already claimed last year’s $7,500 tax credit, then you won’t be able to claim the $8,000 credit on next year’s return. It’s one credit or the other, buddy.
  • Unlike the previous $7,500 tax credit, there’s no repayment required for this $8,000 tax credit!  (Unless of course you sold your house within three years, as stated earlier).

Other Miscellaneous Notes:

  • If you’re buying into a retirement community, unfortunately, the purchase won’t qualify for the $8,000 first-time homebuyer tax credit.

This post will be updated as the IRS release further details upon their interpretation of the just-passed American Recovery and Reinvestment Act.

Regardless if you think the first-time homebuyer tax credit in the stimulus bill is a smart move or that it’s entirely bullsh*t  — the tax credit will certainly be a nice bonus for those that are looking to purchase a home in 2009.

ocnative: (Announcing news)
Link to e-book is here. Just don't print it and kill trees, okay?

Local news

Oct. 3rd, 2008 09:51 am
ocnative: (announcing news)
Toshiba is doing free e-waste and even paying for some items. No purchase necessary and it doesn't have to be Toshiba. I have a monitor and a laptop that needs to be cleaned up so I can do this...

Circuit City might be filing BK, so keep an eye out for sales...


Aug. 6th, 2008 01:10 pm
ocnative: (dexter)
So the spaghetti with Italian sausage wasn't that hot for dinner the other night and its really not that swell now for leftovers lunch. Had I had chicken, I would have used the sausage for its original intention: my chicken, sausage and wild rice casserole. I know it's good in Italian restaurants, but this is just Ragu and sausage. Blech! It's like a clusterfuck in a plastic dish.

Oh well. Waste not want not, or some shit like that.

I finished my financial paperwork for tonight's class. That was hard! Thankfully I just opened my credit union page and plugged in numbers from there but I didn't really ever realize how much my car insurance seems to fluctuate. 
ocnative: (bouncing owl)
Want cash for your old cell phone? Go here

Cash for gadgets / electronics? Go here.

For those in PA, VA, NY, CT, VT, NB, ME, and NJ, here is an easier way to recycle for cash, go here.

Time to clean up the junk drawers / get some cash / have it recycled responsibly. I know I have an old TracFone sitting in my nightstand...

ocnative: (I'm not missing work Bob)

Dangerous Norms: When a Treat Becomes a Routine Matter

Posted: 04 Aug 2008 05:00 AM PDT

ocnative: (score)
And of course, I already have an almost full tank of gas, but hopefully they will continue this way.

Yesterday, the Exxon/Mobil by campus was $4.19 for the cheap stuff.

This morning, it was $4.09. Holy batshit Batman!

So I am curious to see if the Fullerton Costco is under $4, but there is no need to drive over to Harbor Blvd. to check a gas price when I have an almost full tank. 
ocnative: (bouncing owl)
If you're in California, then chances are you already have a headset. But if you don't, or you don't like your headset, here is a pretty cool site:

ocnative: (clapping)
So I thought I would be the only one who got all giddy over this, but after calling Stacy and squeeing with her, I realized that I had to tell my little corner of the world. (Another reminder why she is my MOH, LOL.) I told Chris that twenty-something women squee over guys and going out clubbing, thirty-somethings, well we squee about marked down ground beef...

I went to F&E. I bought a bunch of stuff marked down (90/10 ground beef marked down to $2.25 for a full pound, etc.) and then I went to check out. Except my coupons (3 of them) expired 7/27/08. Today is 7/28/08. SHIT!

So I stood there, staring at the coupons, as if by staring at them, I could move time backwards or somehow change the pre-printed date. Nope, still 7/27/08. So then I thought, "Well I'll scan them and maybe some nice clerk will come over with some good ones and let me use a good one."

Except that it took it. And then it took the second one. So not only did I save a ton by buying markdowns (that are going straight to the freezer anyways) but I also got $10 off my bill. And a very nice clerk bagged all my groceries (despite it being a self-check out store) and gave me 3 or 4 coupons for next week.

I have every meal planned out for the rest of the week and everything has been shopped for. A lot of the items we already had on hand (which armed with a cookbook makes menu creation a lot easier.) Tomorrow night we are babysitting little Logan for about 2 hours, so I have a quick ready to heat meal from F&E for the two of us. The only stuff I need to buy will be for game on Saturday and I will buy that fresh the day before.
ocnative: (Anastasia)
23-year old guy, working towards finishing up his degree in history in a year. His parents are paying for his education and he has $5,000 in the bank.

He said that he is thinking of proposing to the girl he is dating.

So Dave asks him, "So what are your plans when you graduate? Where do you want to work?"

His response, "Oh I don't know. I don't really have a plan. Do I need a plan when planning for a wife?

I guess in the plus side, he won't have any student loan debt...


ocnative: (Default)

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