Get Your Tax Refund
File your Federal Taxes for
Free with TurboTax Federal FREE Edition
FREE to Prepare + FREE to Print + FREE to E-file
- Get your maximum refund*
- 100% accurate calculations guaranteed*
TurboTax Federal Free Edition - File Taxes Online
Don't let filing your taxes get you down! We'll help make it as easy as possible. With e-file and direct deposit, there's no faster way to get your refund!
Approved TurboTax Affiliate Site. TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of the respective owners.
2013 Ez Tax FormHow Do I Amend A Tax Return1040nr Online FilingTax AideFree File State Return OnlyIrs State Tax Forms 2012File Taxes FreeBack Taxes OwedIncome Tax Deductions 2012Tax AmmendmentFed 1040ez1040ez GovIrs Forms 1040Filing An Amended Return For 2012H&r Block1040es FormFiling Back Taxes For Free2010 Tax Forms 1040Free Taxact 2011Online 1040ez FormFree Federal Tax ReturnIrs Ez FormsAmended Federal Tax ReturnFiling Amended Tax Return 2009Irs Tax AmendmentHow Long Does An Amended Tax Return TakeIncome Tax Deductions 20122010 E File Taxes2011 Taxact Deluxe Unlock CodePenalties For Filing Taxes LateIrs 1040x Form DownloadWww Freetaxusa2012 Federal Tax AmendmentFile 1040ez OnlineHttp Freeb Free1040taxreturn ComWhere Mail 1040x Amended ReturnFree Tax HelpPrepare 2011 TaxesHow To File State Tax Return1040 Ez 2014Free E-file State Taxes
2013 Ez Tax Form2013 ez tax form Some employees may be able to deduct certain work-related expenses. The following facts from the IRS can help you determine which expenses are deductible as an employee business expense. You must be itemizing deductions on IRS Schedule A to qualify. 2013 ez tax form Expenses that qualify for an itemized deduction generally include: 2013 ez tax form Business travel away from home 2013 ez tax form Business use of your car 2013 ez tax form Business meals and entertainment 2013 ez tax form Travel 2013 ez tax form Use of your home 2013 ez tax form Education 2013 ez tax form Supplies 2013 ez tax form Tools 2013 ez tax form Miscellaneous expenses 2013 ez tax form You must keep records to prove the business expenses you deduct. For general information on recordkeeping, see IRS Publication 552, Recordkeeping for Individuals available on this website, or by calling 1-800-TAX-FORM (800-829-3676). 2013 ez tax form If your employer reimburses you under an accountable plan, you should not include the payments in your gross income, and you may not deduct any of the reimbursed amounts. 2013 ez tax form An accountable plan must meet three requirements: 2013 ez tax form You must have paid or incurred expenses that are deductible while performing services as an employee. 2013 ez tax form 2013 ez tax form You must adequately account to your employer for these expenses within a reasonable time period. 2013 ez tax form 2013 ez tax form You must return any excess reimbursement or allowance within a reasonable time period. 2013 ez tax form If the plan under which you are reimbursed by your employer is non-accountable, the payments you receive should be included in the wages shown on your Form W-2. You must report the income and itemize your deductions to deduct these expenses. 2013 ez tax form Generally, you report unreimbursed expenses on IRS Form 2106 or IRS Form 2106-EZ and attach it to Form 1040. Deductible expenses are then reported on IRS Schedule A, as a miscellaneous itemized deduction subject to a rule that limits your employee business expenses deduction to the amount that exceeds 2 percent of your adjusted gross income. 2013 ez tax form For more information see IRS Publication 529, Miscellaneous Deductions, which is available on this website, or by calling 1-800-TAX-FORM (800-829-3676). 2013 ez tax form
Shopping for a Home Mortgage
Question to Ask When Shopping for a Mortgage
When shopping for a home mortgage make sure you obtain all the relevant information:
- Research current interest rates. Check the real estate section of your local newspaper, use the Internet, or call at least six lenders for information.
- Check the rates for 30-year, 20-year and 15-year mortgages. You may be able to save thousands of dollars in interest charges by getting the shortest-term mortgage you can afford.
- Ask for details on the same loan amount, loan term, and type of loan from multiple lenders so that you can compare the information. Be sure to get the Annual Percentage Rate (APR), which takes into account not only the interest rate but also points, broker fees, and other credit charges expressed as a yearly rate.
- Ask whether the rate is fixed or adjustable. The interest rate on adjustable rate mortgage loans (ARMs) can vary a great deal over the lifetime of the mortgage. An increase of several percentage points might raise payments by hundreds of dollars per month.
- If a loan has an adjustable rate, ask when and how the rate and loan payment could change.
- Find out how much down payment is required. Some lenders require 20% of the home's purchase price as a down payment. But many lenders now offer loans that require less. In these cases, you may be required to purchase private mortgage insurance (PMI) to protect the lender if you fall behind on payments.
- If PMI is required, ask what the total cost of the insurance will be. How much will the monthly mortgage payment be when the PMI premium is added and how long you will be required to carry PMI?
- Ask if you can pay off the loan early and if there is a penalty for doing so.
There is a long list of sources for mortgages loans: mortgage banks, mortgage brokers, banks, thrifts and credit unions, home builders, real estate agencies and Internet lenders.
Tips for Working with Lenders
- Get recommendations: Ask friends and family members for suggestions, especially if they've recently obtained a loan.
- Check credentials: Mortgage bankers are regulated by either your state's department of banking or division of real estate. Check with the one appropriate to your state to see if a lender is in good professional standing. Mortgage brokers may be state regulated or not. If not, check with the local chapter of the National Association of Mortgage Brokers or the Better Business Bureau to see if their record is clean.
- Do your homework: Learn about typical mortgages and ask questions when something looks amiss; a broker may be trying to pad closing costs or other fees at your expense.
- Take care online: There are plenty of attractive deals online, but first make sure you're dealing with a reliable broker or lender.
If you're working with a broker, the National Consumer Law Center recommends you demand to know how much the broker is making from the lender as well as from any fees you might be paying. It's best to get this information upfront and in writing. Avoid a broker who is double-dipping-getting a fat premium from the lender, as well as fees from you.
The Real Estate Settlement Procedures Act (RESPA) requires lenders to give you information on all closing costs and escrow account practices. Any business relationships between the lender and closing service providers or other parties to the transaction must also be disclosed. Many of the fees are negotiable. More information is available from the Federal Trade Commission, the Federal Reserve Board, and the Department of Housing and Urban Development.
For more information on home buying and mortgages, visit Fannie Mae's website or call 202-752-7000.