Friday, December 2

2012 IRS Anticipated Refund Dates

Planning on a tax refund from the IRS in 2012? This schedule is provided by the IRS to give you an idea as to when you can expect your 2012 IRS Tax Refund after filing electronically.

2012 Irs Efile Refund Cycle Chart

Wednesday, November 30

Where's my refund? Undelivered Refunds!

This just in from the IRS

WASHINGTON — In an annual reminder to taxpayers, the Internal Revenue Service announced today that it is looking to return $153.3 million in undelivered tax refund checks. In all, 99,123 taxpayers are due refund checks this year that could not be delivered because of mailing address errors.
Undelivered refund checks average $1,547 this year.
Taxpayers who believe their refund check may have been returned to the IRS as undelivered should use the “Where’s My Refund?” tool on The tool will provide the status of their refund and, in some cases, instructions on how to resolve delivery problems.
Taxpayers checking on a refund over the phone will receive instructions on how to update their addresses. Taxpayers can access a telephone version of “Where’s My Refund?” by calling 1-800-829-1954.
While only a small percentage of checks mailed out by the IRS are returned as undelivered, taxpayers can put an end to lost, stolen or undelivered checks by choosing direct deposit when they file either paper or electronic returns. Last year, more than 78.4 million taxpayers chose to receive their refund through direct deposit. Taxpayers can receive refunds directly into their bank account, split a tax refund into two or three financial accounts or even buy a savings bond.
The IRS also recommends that taxpayers file their tax returns electronically, because e-file eliminates the risk of lost paper returns. E-file also reduces errors on tax returns and speeds up refunds. Nearly 8 out of 10 taxpayers chose e-file last year. E-file combined with direct deposit is the best option for taxpayers to avoid refund problems; it’s easy, fast and safe.
The public should be aware that the IRS does not contact taxpayers by e-mail to alert them of pending refunds and does not ask for personal or financial information through email. Such messages are common phishing scams. The agency urges taxpayers receiving such messages not to release any personal information, reply, open any attachments or click on any links to avoid malicious code that can infect their computers. The best way for an individual to verify if she or he has a pending refund is going directly to and using the “Where’s My Refund?” tool.

Wednesday, November 16

Will the Payroll Tax Cut Expire in December

I’ve been reading a lot recently about the expiring payroll tax cut. This cut gives workers earning $50,000 per year a $1,000 tax break. This tax, which supports the Social Security program and is paid by employees, was cut to 4.2% of the first $106,800 of a worker’s income, reduced 2% from 6.2%. The payroll tax cut and unemployment insurance were part of a tax deal that President Obama reached with Republicans last December. Both of which will expire at midnight on December 31, 2011.

The different things that I’ve read say that there will be a drama filled show-down at the end of the year. Some say that the Republicans will not agree to any extension, that their position is “anything President Obama is for, we’re against”, regardless of whether or not it helps or hurts the American Taxpayer.

I can only see this through my eyes and the way I see it is this. Any money that the government has is quickly wasted. Any money that I have helps to support my family.

From a taxpayers perspective, a $1,000 decrease in usable cash is a lot of money. Groceries, telephone, electricity, gas in the car...

I know that extending this cut will put a big strain on Social Security, but frankly, we need the money NOW!

I surely don’t have an answer. Maybe if we veto’d most of the bloated government programs and operated on an austerity budget for a few years, then perhaps things would get better. I know that when things are tight at my house, we trim the wants from the needs. Why can’t we do the same in DC?

Tuesday, September 20

Only $400,000 left after feeding his family...

Poor thing... Maybe he could get a second job to help him make ends meet!

Wednesday, August 31

Can a debt settlement attorney stop harassing collection calls?

Guest post from Kevin Craig

US citizens suffered from job losses, wage cuts and unemployment after the recent economic depression. Because of this, they are unable to pay their bills and have incurred an insurmountable amount of debt. If they default on their payments, they receive collection calls from the debt collectors. Therefore, in this time of financial crisis you should try to settle credit card debt to avoid the harassing calls from the debt collectors. When you plan to settle your debts, ensure that you hire a debt settlement attorney.

Your creditor might not agree to settle your debt if you are current on your payment so it can be a difficult task for you to settle your own debts. If you hire a debt settlement attorney then you can save a considerable amount on your outstanding balance. When you settle your debt you pay less than you originally owed to the creditors. In order to convince your creditors, you might need to default on your payment, but this will adversely affect your credit history.

Once you default on your payment you may continue to receive collection calls. In this situation your debt settlement attorney can help you avoid collection calls. The creditors generally transfer the delinquent accounts to the collection agencies. The attorney can send a certified mail to the debt collectors asking them to cease communication with the debtors. When the debtor is represented by an attorney it helps to decrease the number of collection calls. The debt collectors might not threaten to take legal action against you if you are being represented by a lawyer. He will be working as a mediator between you and the creditors. The creditor or the collection agency needs to contact your attorney if they need to communicate with you.

The creditors are liable to discuss the debt with the attorney in case they plan to sue you. An attorney can prevent their clients from going to court and help the creditor as well as the debtor to save money.

Your attorney can help you give detailed information on a debt settlement program. It will be easier to find a reliable attorney and can avoid getting into the trap of a fraudulent debt settlement company. Therefore, it is beneficial to hire an attorney to liberate yourself from debt.

Wednesday, February 23


Applied Materials Earnings Conference Call (Q1 2011)
Scheduled to start Thu, Feb 24, 2011, 4:30 pm Eastern

Friday, January 28

Kelley Blue Book Announces Winners of 2011 Best Resale Value Awards

Kelley Blue Book Announces Winners of 2011 Best Resale Value Awards

Honda Fit Best in Subcompact
Honda Accord Best in Midsized
Honda CRV Best in Compact Utility