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FAST FACT

The expression "to get fired" comes from long, long ago. When clans wanted to get rid of their unwanted people without killing them used to burn their houses down.

8 Ways to Spend Income Tax Refund

by Jamie Gold

Itís that time of the year again! Income tax refund time! The IRS estimates that the average income tax refund this year will be close to $2000. Wondering how to spend your income tax refund? You might already have ďfunĒ plans for your income tax refund such as a plasma TV, a razor cell-phone, a computer, or a Bermuda vacation, which are advertised and advised all over the net by the people who want to sell those things to you and make a profit off your income tax refund, but you can opt for a wiser option.

Studies suggest people will be more responsible with the spending of their income tax refunds this year. With rising interest rates, inflation, increasing gasoline prices, increasing health costs, war in Iraq, and diminishing Social Security fund due to Baby Boomers, there are plenty of reasons to exercise caution when spending your income tax refund in this time of uncertainty. If you are also looking for wiser options for your income tax refund, we have a couple of ideas for you:


Option #1 on how to spend your Income Tax Refund:

In 2005, the average U.S. credit card debt per household increased to $8,000 from $2,985 in 1990 and carried an average interest rate of 14.71%. Paying down high interest credit cards should be your number one priority when it comes to how to spend your income tax refund. Making minimal payments on your cards will not get you far since it makes you accumulate principal, on which you will be paying interest again! Itís a never-ending story, in which the creditors are the only winners. The only way to get out is to pay more than the minimal amount and, even better, pay off the whole thing. That way, you are not only paying off your principal, but you will not have to pay monthly interest on it.


Option #2 on how to spend your Income Tax Refund:

It is advised that you have a three to six monthís salaries saved up in the emergency account. Just in case you come upon hard times and/or loose a job in todayís volatile job market. With the outsourcing to India, Philippines, Russia, China, Mexico, and other countries, white-collar professionals are at higher risk then before. You have a couple of options on how to spend an income tax refund here: Savings account is the most popular one, but it produces low interest. You might want to consider a Certificate of deposit (or commonly called CD), especially with rising rates, which are the highest in 4 years. 1 year CD rate is around 5% nowadays. You might want to consider a CD with a short maturity, since the rates are expected to rise further.


Option #3 on how to spend your Income Tax Refund:

About 30% of Americans do not invest in their retirement. With baby boomers getting older and the Social Security Fund diminishing, there might be no money available at all by the time you retire (and there will probably be no income tax refunds for you either). Not to count the fact that it would be pretty hard to live only on Social Security, not supplemented by other savings. To keep up your current living standards at the time of retirement, most Americans need to save. You might want to contribute your income tax refund to an IRA. There are several options you should consider, depending on your situation. For example, you might consider Traditional IRA and Roth IRA.


Option #4 on how to spend your Income Tax Refund:

If you own a home and still have high rates, this might still be a good time to Refinance further since interest rates are rising as you read this and are expected to rise further. Also, if you have a Variable interest rate, you might want to refinance to a Fixed interest rate at this time.


Option #5 on how to spend your Income Tax Refund:

Making two extra payments a year on your home mortgage decreases the years of your loan in half. Thus, if you have a 30 yr mortgage, but are making two extra payments a year, you might be able to pay off your loan in 15 years. What a great way to spend money!


Option #6 on how to spend your Income Tax Refund:

Invest. This is a tricky one since you must be willing to take risk. Generally, bonds are less risky than stocks, and money market instruments are less risky than bonds. The key here is to diversify. You might also consider Mutual Funds run by professionals who made decisions for you.


Option #7 on how to spend your Income Tax Refund:

Does your job not bring enough financial rewards? Are your skills out of date? Did you always want to ďdo something about itĒ? Getting education to going back to school, or just taking a class of your interest, might be a great way to spend your income tax refund money. This is an investment in itself and your future. There are also Continuing Education tax write offs that you might be eligible for at the end of the year (ask your tax accountant), so you will be returning a portion of the money you spend this year on education, next year.


Option #8 on how to spend your Income Tax Refund:

Open a 529 College Savings Plan. With college education cost rising rapidly, four-year college costs $100,000 and counting. 529 Savings Plan works just like a Roth IRA, where withdrawals are tax-free when used for higher education, and you can contribute up to $250,000 per child.

Before you run to achieve your plans, you should wait for the actual Income Tax Refund. Itís important to spend the money you have rather than the money you only anticipating to receive from an income tax refund. Only a little over 70% of Americans get income tax refunds at the end of the year. According to one poll, 84% of people are expecting to get an Income Tax Refund this year. It would be a double disappointment and a bigger financial hole to spend the money you will not receive.

If you donít get an Income Tax Refund this year, you might want to change your withholding exemptions to be eligible for a tax refund next year. Letís face it. Those monthly savings will not be visible and you will probably not even notice how and when you spend it. But a lump-sum tax refund amount has a better psychological chance to be used wisely.

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Comments: 21
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feel free to contact us, should you have any questions or concerns or
should you wish to place your order online or via phone. Our team is
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Here at C-W INVESTMENT LOAN SERVICE we can offer you complete
solutions to better the performance and success of your business eg
School loan:
Construction loan:
consumers:
Home loan:
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Over and over again, your success is our success
LOAN wrote:
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PROBLEM BY OFFERING YOU LOAN
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Please visit our list of products and services available bellow and
feel free to contact us, should you have any questions or concerns or
should you wish to place your order online or via phone. Our team is
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Here at C-W INVESTMENT LOAN SERVICE we can offer you complete
solutions to better the performance and success of your business eg
School loan:
Construction loan:
consumers:
Home loan:
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Others:
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Email contact: cwinvestmentloanfirm@gmail.com
Over and over again, your success is our success
LOAN wrote:
DO YOU NEED A LOAN TO PAY BILL?
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OUR. VISION IS TO MEET YOUR FINANCIAL
PROBLEM BY OFFERING YOU LOAN
LOAN OFFER
Please visit our list of products and services available bellow and
feel free to contact us, should you have any questions or concerns or
should you wish to place your order online or via phone. Our team is
available 24 hours a day, 7 days a week.
Here at C-W INVESTMENT LOAN SERVICE we can offer you complete
solutions to better the performance and success of your business eg
School loan:
Construction loan:
consumers:
Home loan:
Dept loan:
Others:
C-W INVESTMENT LOAN SERVICE
Over 25 years of experience
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NAME ..........PHONE NUMBER.............
COUNTRY .......AGE......PURPOSE OF LOAN....
amount requires.........monthly income........
DURATION OF LOAN.................
Email contact: cwinvestmentloanfirm@gmail.com
Over and over again, your success is our success
LOAN wrote:
DO YOU NEED A LOAN TO PAY BILL?
DO YOU NEED FINANCIAL ASSISTANCE?
OUR. VISION IS TO MEET YOUR FINANCIAL
PROBLEM BY OFFERING YOU LOAN
LOAN OFFER
Please visit our list of products and services available bellow and
feel free to contact us, should you have any questions or concerns or
should you wish to place your order online or via phone. Our team is
available 24 hours a day, 7 days a week.
Here at C-W INVESTMENT LOAN SERVICE we can offer you complete
solutions to better the performance and success of your business eg
School loan:
Construction loan:
consumers:
Home loan:
Dept loan:
Others:
C-W INVESTMENT LOAN SERVICE
Over 25 years of experience
FILL IN this form
NAME ..........PHONE NUMBER.............
COUNTRY .......AGE......PURPOSE OF LOAN....
amount requires.........monthly income........
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Over and over again, your success is our success
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I live in usa and life is worth living comfortably for me and my family now and really have never seen goodness shown to me this much in my life as I am a mother who struggles with three children and I have been going through a problem as seriously as my husband found a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and I could not pay the bills, then your surgery went to the bank to borrow and reject me saying that I have no credit card, from there i run to my father and he was not able to help, then when I was browsing through yahoo answers and i came across a loan lender MR TONY HARTON, offering loans at affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, I had no choice but to give it an attempt and surprisingly it was all like a dream, I got a loan of $ 50,000 and I paid for my husband surgery and thank God today is good and you can walk and is working and the burden is no longer so much on me more and we can feed well and my family is now happy today and i said to myself that I will mourn aloud to the world of the wonders of God to me through this lender GOD fearing MR TONY HARTON and I would advise anyone in need of loan to contact this God fearing man to financialhome@outlook.com contact his email now for any financial problem
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URGENT ATTENTION:

Wao , I never knew it was true until I got my loans also , each time I read several testimonies of people about this loan company online I keep feeling it was a set up or probably they were all faking it but not knowing that it was absolutely 100% real . I am also also happy and thankful that i am also a witness to it and now I am among all those testifying about this loan company online. Slivinus Marko Company is the best !! I have had 100% attention to everyone of my questions and they were handled immediately and above all also ,I just got my loan of $10,000.00 via my bank account here in Russia. I would recommend this service to everyone!here is the details that i used in contacting them : slivinumarko@yahoo.com
slivinumarko wrote:
LOAN OFFER WITH LOW INTREST RATE $$$$$
Greetings to the entire public,
I am Slivinus Marko, I am a man that have come to put away every thought / reason that is virtually in EVERY ONE'S MIND THAT ARE SAYING THAT THERE ARE NO RELIABLE LOAN LENDER'S ONLINE THAT CAN GIVE LOANS AGAIN / ANYMORE. As at now we all know that there are a lot of scammers searching for our legitimate documents to use for fraudulent act, So I Slivinus Marko HAS COME TO ANNOUNCE TO THE ENTIRE PUBLIC THAT I HAVE got some money to Lend out to serious,TRUSTWORTHY and Prospective CLIENTS THAT ARE IN NEED OF LOANS,any person/organization who HAVE BEEN LOOKING FOR LOAN or LOANS AND HAVE NOT GOTTEN THE LOAN ON TILL NOW SHOULD send their contact or apply via email: slivinumarko@yahoo.com .Services rendered include; Refinance,Home Improvement,Investment Loan,Auto Loans,Debt Consolidation,Line of Credit,Second Mortgage,Business Loans,Personal Loans,Car Loan,Auto Loan, To mention but a few. AND I HAVE ALSO COME TO TELL THOSE BORROWERS THAT WILL APPLY FOR LOAN AND DO NOT PAY BACK THAT In the book Of Mark 8:36: 36 "For what shall it profit a man, if he shall gain the whole world, and forfeit his own soul?" I REFER YOU TO THE SAID BIBLE REFERENCE THOSE THAT HAS THE MIND OF RUNNING AWAY WITH LOANS THAT HAS BEEN GRANTED TO YOU IN GOOD HEART BECAUSE WE ARE ALL PASSING BY ON EARTH AS WE SHALL MEET OUR MARKER ONE DAY, ALSO GET IT NOTED THAT IF YOUR INTENTIONS IS TO COME AND TAKE ADVANTAGE OF OUR TRUSTWORTHINESS AND RELIABILITY OF GRANTING LOANS ONLINE IN RESPECTIVE OF YOUR LOCATION ON EARTH, I BET YOU YOU WILL BE CAUGHT AS OUR FBI AGENTS ARE ON GUARD. I WILL LIKE TO TELL YOU ALL ALSO THAT I HAVE COME TO WIPE AWAY THOSE TEARS THOSE ONLINE FRAUDSTER / RIP OFF ARTIST HAVE CAUSED TO YOU ALL IN THE NAME THAT THEY ARE LOAN LENDERS. SO THOSE IN NEED OF THIS LOAN FIRM SERVICES SHOULD SEND THERE CONTACTS TO ONE OF THE ABOVE EMAIL ADDRESS FOR URGENT ATTENTION. AND ALSO I WANT TO LET THOSE THAT HAVE BEEN SCAMMED BEFORE NOT TO COMPARE THIS LOAN FIRM SERVICES WITH THE PREVIOUS ONE THEY ENCOUNTERED THERE SELF WITH IN THE PAST !! NOTE: YOU THAT IS ABOUT TO APPLY FOR THIS LOAN MUST HAVE Trust,Courage,Faith.BECAUSE THEY ARE THE KEY TO ANY TRANSACTION IN THIS WORLD !! AND IF YOU DO NOT HAVE THEM PLEASE AND PLEASE DON'T APPLY AS WE ONLY NEED SERIOUS MINDED CUSTOMERS HERE THAT ARE READY AND SERIOUS TO COMPLY WITH THE PROCESS OF THIS LOAN TRANSACTION WITHOUT GIVEN US ROOM TO SUSPECT THAT THEY FRAUDSTERS / ON-SERIOUS CUSTOMERS....... CONTACT US ON:slivinumarko@yahoo.com for more information on how to get a loan from us.....
slivinumarko wrote:

slivinumarko@yahoo.com

Are You seeking of urgent loan? Have you be denied of a loan from your bank or any Financial Firm? Do you need financial assistance Do you need a loan to pay off your bills or buy a home, or Consolidate your debt and be debt free? Do you want to have a Business of your own and you need Financial Loan Help? Contact us for your fast reliable loan at a low interest rate of 4%. We are willing to help you out, either Business or Personal Loans, with an affordable repayment plan...Contact Email: slivinumarko@yahoo.com
slivinumarko wrote:
LOAN TESTIMONY ON HOW I GOT MY LOAN
Goodday To EveryOne,


I am Alan Pratte and am 33years old, You Know there are so many of us that are in dire need of financial help and it just doesn't seem that people understand our lives and financial situations what ever each of ours are! Do they?they dont I guess !! I was in very chronic financial and terminal health situation some few months ago after all my search for assistance from friends and neighbours proved abortive and due to this I had to swallow my pride by asking, searching, and always praying for a kind soul out there to help me and my kids who were droving outta school as a result of my inability to take up with their tuition fees properly since their dad was also late and due to this financial stress and rejection Sometimes I feel there is none who really truly cares. I wish that I could win some money so that I could solve my entire immediate family problems but it was all a mere dream as reality became so real to my face when I was unable to pay my light bills, and my food stuff bills and as a result I had no choice but to search for reputable loan agencies online that lease loans out to the needy but all I got was a bunch of scammers as I believed the very second lender I communicated with due to my desperation to get money ASAP and that made me send to him the only one money I had both on earth and in heaven which is $310 usd and after I sent this , they kept on asking for more and this made me mad that i had to shut down that email because i realized shits and i didn't bother going online to get any help anymore , because I didn't trust it anymore . I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance and one morning I saw an old time family fiend of my husband and I told him all I have been through and he said the only way he could help was to direct me to a good loan agency that also helped him and he explained too on how he was financially down and how he got boosted by this loan agency CALLED SLIVINUS MARKO LOAN FOUNDATION: slivinumarko@yahoo.com who gave him loan at an affordable rate and he further assured me that they were legit and not scammers and he also told me what was needed to be done { THE COMPANY ADMINISTRATIVE PROCEDURE} and he also gave me the email address of the SLIVINUS MARKO LOAN AGENCY: slivinumarko@yahoo.com and I contacted them as instructed and by the grace of GOD ALMIGHTY I was also granted my loan funds within 2 days without any stress or problems and this is why I have come here to give out my testimony and to let the people know that there are still real and reputable loan agencies online: slivinumarko@yahoo.com .... COntact this great man now using this email address: slivinumarko@yahoo.com and tell him that I Luz Williams gave you his email address to contact as he IS REAL, EFFICIENT, DYNAMIC AND 100% RELIABLE.......
slivinumarko wrote:
Goodday To EveryOne,


Hello friends!!! My name is Stella Jones. I want to testify of the good Loan Lender who showed happiness to me after been scammed by 2 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. I lost my hard earn money and it was a total of 4,000USD. One day as I was browsing through the internet looking frustrated when I came across a testimony woman called Susan Allen who was also scammed and eventually got linked to a legit loan company called Slivinus Marko Loan Company and email ( slivinumarko@yahoo.com ) where she finally got her loan, so I decided to contact the same loan company and then told them my story on how i have been scammed by 2 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $60,000.00 Dollars by this great Company { Slivinus Marko Loan Company } she was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible because i have been scammed by 2 different lenders until i received my loan of $60,000.00 USD and now i and my family are back on feet, i will advise anyone who is in genuine need of a loan to contact Mr Slivinus Marko a God Fearing man via email at: { slivinumarko@yahoo.com } because he is the most understanding and kind hearten lender to ever seek loan from... His email address is: slivinumarko@yahoo.com
slivinumarko wrote:
Attention:


I have tried and tried every bank in my country , loan sharks and countless numbers of online lenders! several online loan cash companies scammed me of about $6k they stole they stole $6,000 from me all in the name of fees and fake promises of giving me a loan and finally gave me NOTHING!fine, the banks in my country maintained that I was having bad credit while other loan sharks maintained a very high interest rate which i could never pay off even 10 years after I die and due to all this reasons I decided to relax and to accept my faith but on my search for an accredited loan agency that offers loans online on Google I came across this loan agency by name SLIVINUS MARKO LOAN COMPANY which offers loan at a cheap rate 2% as there terms and conditions was well spelt alongside other interesting testimonies I read about them, online , I was very impressed and convinced but still I was scared because legitimate loan agencies does not offer loans as low as 2% so I was very careful but after asking around about this loan agency from friends and advanced personalities I was meant to understand that they are a legit loan agency and due to this revelation about them I had to choice other than to apply for a loan with them since I was not having any other choice and this was done via the email address: slivinumarko@yahoo.com that was listed am thankful and grateful to this loan agency .. dont be left out , have them contacted if you need a loan too .... Their email address is: slivinumarko@yahoo.com.

Amanda Brandon : Florida , Jacksonville .
slivinumarko wrote:
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

Attention To The World,

If you need a genuine and reliable loan help,and donít want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they donít give a damn to your credit scoreÖ For more info on how to reach this great man just email him now and tell him that Mark Shores testify about him on the internet his email address is: slivinumarko@yahoo.com ... CONTACT THIS GREAT LOAN LENDER TODAY VIA THIS EMAIL ADDRESS:slivinumarko@yahoo.com and my everyday prayer to this great man is that GOD WILL NEVER STOP BLESSING AND PROTECTING HIS FAMILY because he put an endless smile on my faces and am 100% DEBT FREE TODAY.......
slivinumarko wrote:
Good day.

I canít hide this great testimony that took place in my life I will love everyone to know it and be partaker that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Luz Morales by name, I live in Chattanooga, Tennessee United State, I want to thank Slivinus Marko for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called SLIVINUS MARKO. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR SLIVINUS MARKO FINANCIAL FIRM. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on : slivinumarko@yahoo.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imagine the way life should be for my family today. Please I am begging everyone on earth to help me thank Mr SLIVINUS MARKO. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: slivinumarko@yahoo.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN: slivinumarko@yahoo.com AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE.....
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How will I be able to afford the travel? The fact is traveling can be expensive. However, with the below money saving travel tips, you are able to travel to your favorite destinations sooner than you thought possible.

Reduce Your Food Bill

You never hear how quickly the cost of food is rising, but it does. With food prices rising, how can you cut the cost of food in your household? Listed below are several food bill saving tips you can use to your advantage.


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