Joel Owens thanks for the explanations.

(If you think you might qualify under this rule, contact the IRS for an explanation of those estate tax rules.)If married, you can include your spouse's participation towards the 500 and 100 hour tests.The work you performed must have been done at the time you owned an interest in the activity and must have been the type that an owner would customarily do in that type of activity.

I know by claiming a higher withholding that I am losing interest and opportunity costs.I earn an average salary for the geographic area I live and work, and I believe the reason I get such a large return is due to my dependents and qualifying for earned income credits.Once my wife begins her teaching career, I know those credits will disappear and my refunds should drastically shrink compared to the large amounts I receive now.

I've seen some explanations of the 50% rule that doesn't quite make sense to me.

Leaving the work force for the care of a child or parentThese are done with letters of explanation, I have done them and have had them funded and closed.

Using such a strategy as well as moving out geographically to hit some outlying areas should [hopefully] land you a decent deal!

By area, I mean Geographic.

To push a loan that is less than perfect (and most of them are) to a lender like that is just asking for trouble.I worked with a similar lender, and while I was happy to get better pricing for my borrowers, I got tired of submitting letters of explanation for every little thing.

Usually, they are centered around downtowns or declined locations that are geographically favored for commuting, jobs, culture, retirement etc..

The dishwasher is on an 'outside wall' and its the wall the gets slammed with wind when we have storms.We never had this problem with our old dishwasher which was in the same location.Is the drain line freezing a good explanation for this?