I filed my income tax January 30th 2014 but it still hasent got accepted yet. But my brothers was accepted that day? Does this mean my refund wasent accepted? Or is going to be rejected? But I do have child credits and some deductions…when will the IRS accept my refund it is now feb 3rd.
Answer by RICK
Same here bro
Answer by Ms. Unique
It takes a couple of days for them to accept it
Answer by Jess
The IRS will accept it when the IRS wants to. There is no set date that they HAVE to accept it by. I’m sure it will be soon, probably within the next day or 2.
While the winter snow is starting to thaw, it is going to be several months before the warmer weather returns and spring finally arrives. Traditionally, January and February can be just as cold as December, and with the possibility of more snow and ice, it is never to late to ensure your home is as warm and energy efficient as possible.
And while few people have the resources at this time of year to re-insulate the loft or have an expensive service on the boiler, there are some cost-effective and simple methods of ensuring you are as warm and cosy as possible this January.
One of the simplest methods of saving energy, heat and money during the winter is to ensure there are no draughts. Draughts from badly fitting windows and doors will not only allow heat to escape but it will make rooms even more difficult to heat, taking longer and more energy to get them warm.
Modern draught excluders can be fitted to almost anywhere where draughts are getting in. Under door draught excluders, window film and even floorboard draught excluders are cheap and easy to install. And plates for letterboxes will prevent draughts escaping through the front door, while even the chimney can be draught proofed with a chimney balloon.
Another cheap method of saving energy is to fit radiator panels. By making use of the heat normally soaked up by the back wall, reflecting it back into the room, radiator panels can boost heating by up to a third and can save up top 25% on gas and electric bills.
They are cheap too and can be fitted by almost anybody, without the need to remove radiators or call a plumber.
By fitting draught excluders and radiator panels you can make real savings on your energy bills this winter and ensure you stay warm and cosy in January without the worry of higher bills arriving in the spring.
Park City, Utah (PRWEB) August 28, 2014
Today, Zane Benefits, the number one online small business health benefits solution, published new information on applying for health insurance in 2014.
According to Zane Benefits website, recently common questions about what actions to take with the new health insurance exchanges have become very common, such as, how will people apply for individual health insurance post-2014? And, how will the process work?
Employees that are familiar with applying for individual health insurance now need to be aware that the application process will change in 2014 because of health care reform. Employees that arent familiar with applying for individual health insurance, need to learn what actions are going to be required.
The biggest tip for any employer or employee is: work with a health insurance agent to help employees navigate insurance plan options, the new marketplaces, and the federal premium tax subsidies. Agents are an invaluable resource and will end up saving the company money on health insurance.
Here’s an overview for employees on how individual health insurance works, what to expect when applying for individual health insurance, and how to apply for individual health insurance post-2014.
Any individual or employee can purchase an individual health insurance plan. There are many choices when it comes to selecting a plan. Agents and brokers are available to help advise, and purchase a plan through (recommended), an individual can purchase a plan alone via the public new health insurance marketplaces, or directly from the insurance company.
To receive tax credits, insurance must be purchased through a public health exchange, with an agent or individually. The public health insurance marketplaces will open for shopping and enrollment October 1, 2014, with plan coverage starting January 1, 2014.
The individual will select the insurance company, the plan, and the options that best fit them and their family (such as what is covered, network of doctors, deductibles, co-insurance, etc).
Once purchased, the plan is still customizable. Unlike most employer plans, plan options, coverage items, and even the health insurance company can be changed at any time. In addition, the plan is portable. The plan will stay with the insured, even if he/she leave his/her employer.
There are four significant changes happening to individual health insurance in 2014 because of health care reform (“ObamaCare”).
(1) Guaranteed-Issue: Medical underwriting goes away and all plans will be “guaranteed-issue”. This means that all individuals will be accepted regardless of health status, and will not pay more because of health status. The only uprating (charging more) allowed will be for tobacco use, age, and location. Even so, there are limits on the amount an insurance company can up-rate for these factors.
(2) Federal Premium Tax Subsidies: Premium tax subsidies will be available to eligible individuals, for plans purchased through the individual health insurance marketplaces. Households with income between 100% and 400% of FPL who purchase coverage through a state (individual) health insurance exchange are eligible for a premium tax subsidy to reduce the cost of coverage. To be eligible, employees cannot be offered affordable, qualified health insurance through their employer.
(3) Essential Health Benefits: Starting in 2014, all plans will be required to include essential health benefits, a core package of items and services.
(4) Open Enrollment Periods: There will be set open enrollment periods when employees can enroll in guaranteed-issue health insurance. The first open enrollment period is October 1, 2014 to March 31, 2014.
Click here to read the full article.
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform (“ZaneHRA”) for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com.
Chicago, IL (PRWEB) August 22, 2014
Due to rising mortgage rates and assistance programs, first-time homebuyers raced to the market and bought new and existing homes in force in July. The Federal Savings Bank has also witnessed this increased activity last month.
“More individuals are applying for loans, especially since many first-time homebuyers are eager to get pre-approved and compete with the abundance of cash buyers” says Nick, a Banker at The Federal Savings Bank.
The State Journal-Register highlighted data from the Capital Area Association of Realtors’ report revealing that home sales and median home prices in Springfield, Ill., experienced their highest levels in more than three years, impacted by the arrival of first-time homebuyers who may have been influenced by federal and state incentives. Even veterans programs, such as the VA home loan guaranty, buoyed home purchases.
“We had concerns early on that first-time homebuyers had not quite shown up yet,” Don Cave, president of the CAAR, told The Journal-Register. “The slight increase in interest rates convinced some who were on the fence to jump in.”
There were 397 home sales overall in July, a 12.1 percent jump year-over-year, while the median price rose 6.5 percent to $ 122,500. Pending home sales were also up 14 percent compared to the same time last year. The 520 pending home sales indicate a strong late-summer housing market performance.
Perhaps the most significant figure of all is the rise in median home prices. The number of foreclosed property sales accounted for 13.1 percent of all sales, with 52 foreclosed sales in July compared to 43 in June. Unlike many other regions around the country, where distressed property and foreclosed property sales are diminishing, Springfield’s market has sold 363 foreclosed homes since January. Thus far, 2014 has outpaced the previous year by 14.3 percent regarding foreclosed sales. According to Cave, it’s hard to ascertain when the pace of foreclosure sales will die down.
Utilizing first-time homebuyer programs
With first-time homebuyers becoming more active in the market, it is important that assistance programs and perks are leveraged to help buyers become homeowners. For instance, first-time buyers qualify for the Mortgage Credit Certificate, a tax credit that enables a dollar-for-dollar match on a designated ratio of mortgage interest a homeowner pays each year. While an MCC can be leveraged on most mortgage types, adjustable-rate mortgages are ineligible depending on the state and the program, as outlined by GoBankingRates.com.
The tax credit usually generates savings of 15 to 30 percent of the total interest amount a homeowner pays in one year. If you qualify, which is relatively easy and achieved by completing an application at the same time the mortgage application is submitted, an MCC can generate thousands of dollars in savings throughout the life of the mortgage.
Contact The Federal Savings Bank to discuss this first-time homebuyer program and other low-cost mortgage options to maximize your home financing needs.