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	<title>Healthy Financial Habits</title>
	<atom:link href="http://www.healthyfinancialhabits.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.healthyfinancialhabits.com</link>
	<description>&#34;Dedicated to helping others form wealth accumulating habits&#34;</description>
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		<title>E-cards for St. Patrick&#8217;s Day free online &#8211; Send a Free St. Patrick&#8217;s day Ecard online from Hallmark to American Greetings</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/e-cards-for-st-patricks-day-free-online-send-a-free-st-patricks-day-ecard-online-from-hallmark-to-american-greetings/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/e-cards-for-st-patricks-day-free-online-send-a-free-st-patricks-day-ecard-online-from-hallmark-to-american-greetings/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 16:00:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1822</guid>
		<description><![CDATA[St. Patrick&#8217;s Day is here and millions of Americans are looking to send their friends and family a free online e-card from websites such as Hallmark to American Greetings.  Hallmark and American greetings are only two of the dozens of e-card websites that are offering free St. Patrick&#8217;s Day cards this year. You can [...]]]></description>
			<content:encoded><![CDATA[<p>St. Patrick&#8217;s Day is here and millions of Americans are looking to send their friends and family a free online e-card from websites such as Hallmark to American Greetings.  Hallmark and American greetings are only two of the dozens of e-card websites that are offering free St. Patrick&#8217;s Day cards this year. You can choose from several different styles of online e-cards from plain and simple to a bit more complex.<br />
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<p>If you are looking to pick up a St. Patrick&#8217;s Day greeting card, you will certainly have your choice. The e- card industry is very competitive and several e- card websites are willing to give away greeting cards just to earn your business in the future. Perform a Google search for free e- cards and you will find many websites to choose from.</p>
<p>Once you have selected an ecard website, you can send your St. Patrick&#8217;s Day card to just one person or several people at once. Some e-card websites allow you to send an e-card to dozens of people at once. Once sent, your recipient will receive their card in their email inbox.  Sending an e-card only takes a matter of seconds and it can leave a lasting impression on your recipient. Sending an e-card lets the people you know that you are thinking about them. </p>
<p>Author: Carla Kessler<br />
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			<wfw:commentRss>http://www.healthyfinancialhabits.com/2010/03/17/e-cards-for-st-patricks-day-free-online-send-a-free-st-patricks-day-ecard-online-from-hallmark-to-american-greetings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Send a free St. Patrick&#8217;s Day ecard using Blue Mountain or American Greetings &#8211; Free online E-greeting cards for 2009</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/send-a-free-st-patricks-day-ecard-using-blue-mountain-or-american-greetings-free-online-e-greeting-cards-for-2009/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/send-a-free-st-patricks-day-ecard-using-blue-mountain-or-american-greetings-free-online-e-greeting-cards-for-2009/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 12:30:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1820</guid>
		<description><![CDATA[It&#8217;s St. Patrick&#8217;s Day once again and you would like to send out a few St. Patrick&#8217;s Day greeting cards to your colleagues. St. Patty&#8217;s day is a fun holiday that anyone can celebrate, even if they are not Irish. Folk from around the world celebrate St. Patrick&#8217;s Day by sending out free online e- [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s St. Patrick&#8217;s Day once again and you would like to send out a few St. Patrick&#8217;s Day greeting cards to your colleagues. St. Patty&#8217;s day is a fun holiday that anyone can celebrate, even if they are not Irish. Folk from around the world celebrate St. Patrick&#8217;s Day by sending out free online e- greeting cards from e-card websites such as Blue Mountain or American Greetings. These are just two of the many websites who are offering free online e-cards this St. Patrick&#8217;s day.<br />
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<p>Send your St. Patrick&#8217;s Day card today by finding a free e-card online. Free E-cards can be found all over the internet from big names to smaller less known names. Whether big or small, both websites offer the ability to send your friends or colleagues a greeting to let them know that you are thinking about them this St. Patrick&#8217;s Day.</p>
<p>Get your St. Patrick&#8217;s Day card today online for free at one of the many free e-card websites. Perform a Google search for free greeting cards online and check out the pages of online greeting card websites. Once you have selected a free e-card website and an e-card, you must personalize and send your greeting card. Send a personal message to just one person or just a general message to everyone. Either way, your will get point across that you were thinking about them by sending an ecard. E-cards are a fast, fun, and free way to let others know that you are thinking about them.</p>
<p>Author: Carla Kessler<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The energy star tax credit for 2009 IRS federal income taxes &#8211; 2009 tax credit incentives and rebates lower your taxes</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/the-energy-star-tax-credit-for-2009-irs-federal-income-taxes-2009-tax-credit-incentives-and-rebates-lower-your-taxes/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/the-energy-star-tax-credit-for-2009-irs-federal-income-taxes-2009-tax-credit-incentives-and-rebates-lower-your-taxes/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 11:30:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1824</guid>
		<description><![CDATA[The energy star tax credit was created as a result of the American recovery and reinvestment act of 2009. With the energy star credit, individuals who installed new energy star products in their home may be eligible for some incredible tax incentives. The energy star credit is only available with certain energy star products that [...]]]></description>
			<content:encoded><![CDATA[<p>The energy star tax credit was created as a result of the American recovery and reinvestment act of 2009. With the energy star credit, individuals who installed new energy star products in their home may be eligible for some incredible tax incentives. The energy star credit is only available with certain energy star products that meet specific energy star requirements. There are actually two classifications of energy star tax credits. The first classification is set to expire at the end of 2010 and the second classification is set to expire in 2016.<br />
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<p>The first type includes energy star items such as biomass stoves, heating, ventilating and air conditioning systems, insulation, roofs, water heaters, windows, doors, and skylights. These products have an expiration date of December 31, 2010 and are limited to a total credit of $1,500. This means that you can only claim one credit for the total of $1,500 even if you installed multiple energy star products in your home last year. The credit is good for a total of 30% of the cost of your product, not including labor. </p>
<p>The second type of energy star credit is available until December 31, 2016 and has no upper limit. These products include geothermal heat pumps, small wind turbines, and solar energy systems. You can claim this credit, with certain restrictions, for 30% of the total cost. Your total cost does not include the cost of installation. </p>
<p>For more information on the topic of the energy star tax credit, visit the official energy star government website. </p>
<p>Author: Greg Jackson<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Qualifying for the earned income tax credit for 2009 &#8211; Tax credits that reduce your tax liability when filing</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/qualifying-for-the-earned-income-tax-credit-for-2009-tax-credits-that-reduce-your-tax-liability-when-filing/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/qualifying-for-the-earned-income-tax-credit-for-2009-tax-credits-that-reduce-your-tax-liability-when-filing/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 11:00:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1826</guid>
		<description><![CDATA[If you earned a low wage in 2009, chances are that you may qualify for the earned income tax credit. The earned income tax credit was designed to help lower income individuals with and without children by offering a fairly generous tax credit. The earned income tax credit for 2009 has four different tiers. When [...]]]></description>
			<content:encoded><![CDATA[<p>If you earned a low wage in 2009, chances are that you may qualify for the earned income tax credit. The earned income tax credit was designed to help lower income individuals with and without children by offering a fairly generous tax credit. The earned income tax credit for 2009 has four different tiers. When it comes to claiming the earned income credit, people who have children will receive the greatest tax benefit. Also, the more children that you have, the higher of a credit you may be able to receive.<br />
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<p>The earned income tax credit is available in four different amounts. The amounts are for no children, one child, two children or three or more children. Whether or not you qualify for the earned income tax credit depends on your income and the number of children that you have. With more children, you are allowed a higher income threshold. Here are the earning thresholds for the earned income tax credit 2009:</p>
<p>Three or more children:	 $43,279<br />
Two children:			$40,295<br />
One child			$35,463<br />
No children			$13,440</p>
<p>If you are filing jointly, you can add $5,000 to each of the amounts above.</p>
<p>The maximum tax credit amount varies from $457 to $5,657. Check the official IRS website for details on the earned income tax credit. </p>
<p>Author: John Zinsky<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free federal tax filing for 2009 lets you e-file your IRS income taxes &#8211; File your personal income taxes with freefile</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/free-federal-tax-filing-for-2009-lets-you-e-file-your-irs-income-taxes-file-your-personal-income-taxes-with-freefile/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/free-federal-tax-filing-for-2009-lets-you-e-file-your-irs-income-taxes-file-your-personal-income-taxes-with-freefile/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 10:30:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1828</guid>
		<description><![CDATA[We are less than a month away from the 2009 tax deadline and many Americans are waking up to the fact that taxes will soon be due. Free federal tax filing is an increasingly popular trend as millions of Americans make the switch to free filing each year. In fact, there were over 95 million [...]]]></description>
			<content:encoded><![CDATA[<p>We are less than a month away from the 2009 tax deadline and many Americans are waking up to the fact that taxes will soon be due. Free federal tax filing is an increasingly popular trend as millions of Americans make the switch to free filing each year. In fact, there were over 95 million Americans who filed their taxes online last year. Of the 95 million, nearly a quarter of them took advantage of a free federal tax filing program.<br />
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<p>Free filing is an excellent way to save money when it comes to doing your taxes. The truth is, most Americans have simple tax returns and can benefit from using a free file program. It’s hard to imagine that millions of people pay a person upwards to $100 to do their taxes each year, when they can do their own taxes from home at no charge. Free filing is revolutionizing the way that Americans do their taxes. </p>
<p>If you are ready to get started, begin by taking a look at the IRS website. At the IRS website, you are able to view all of the free file programs available and choose one based on your filing needs. There are two ways to find free tax programs on the IRS website. The first way is by choosing the program yourself under the free file section. The second way is by allowing the IRS search tool to find a program for you. The search tool is especially handy because it narrows your options to just the ones that suit your needs.</p>
<p>Author: Mike Smitt<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t forget this list of tax deductions for 2009 income tax filing &#8211; Federal IRS income tax deductions 2009 filing</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/dont-forget-this-list-of-tax-deductions-for-2009-income-tax-filing-federal-irs-income-tax-deductions-2009-filing/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/dont-forget-this-list-of-tax-deductions-for-2009-income-tax-filing-federal-irs-income-tax-deductions-2009-filing/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 10:00:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1830</guid>
		<description><![CDATA[Around tax time, many people want to know the best way to reduce the amount of taxes that that they are required to pay for their 2009 income tax returns. The answer is simple, find important tax deductions that you may qualify for.




Each year, millions of Americans overpay their income taxes because they are unaware [...]]]></description>
			<content:encoded><![CDATA[<p>Around tax time, many people want to know the best way to reduce the amount of taxes that that they are required to pay for their 2009 income tax returns. The answer is simple, find important tax deductions that you may qualify for.<br />
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<p>Each year, millions of Americans overpay their income taxes because they are unaware of important tax advantages such as tax deductions. New tax deductions are created each year, so it is important to stay current with the tax laws. Since keeping up with new tax laws is a difficult task, it is usually best to hire a qualified tax accountant to handle your tax returns.</p>
<p>Although a tax accountant can be very helpful, millions of Americans choose to prepare their own taxes each year. Preparing your own taxes just got easier with all of the electronic tax filing websites available. E-filing offers the advantage of using a free tax filing program that helps you find important tax deductions. If you have decided to prepare your own taxes, you may benefit by looking over this short list of tax deductions for the 2009 income tax year. These are just a few of the deductions that are available when filing your 2009 federal income taxes.</p>
<p>-	Mileage deduction &#8211; Deduct $.55 per mile for travel that you were not reimbursed for by your employer<br />
-	Charitable contributions &#8211; donate money or items last year? This may qualify for a tax deduction<br />
-	Student loan interest deduction &#8211; Deduct the interest amount that you paid last year on your student loans. This deduction is worth up to $2,500<br />
-	Job search and interviewing &#8211; If you were one of the millions of unemployed Americans last year and were out looking for work, you can write off certain expenses incurred while job hunting<br />
-	Mortgage interest deduction- Deduct the amount that you paid in interest on your home loan last year<br />
-	Points paid during closing &#8211; If you purchased a home last year, you can deduct the points that you paid. </p>
<p>There are dozens of tax deductions available for 2009 tax year. Check with a qualified tax accountant to find ways to save money on your taxes this 2009 tax year. </p>
<p>Author: Abdullah Patel<br />
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using the Income tax brackets 2009 for filing your personal income taxes &#8211; IRS federal tax filing and federal tax brackets</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/using-the-income-tax-brackets-2009-for-filing-your-personal-income-taxes-irs-federal-tax-filing-and-federal-tax-brackets/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/using-the-income-tax-brackets-2009-for-filing-your-personal-income-taxes-irs-federal-tax-filing-and-federal-tax-brackets/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 09:30:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

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		<description><![CDATA[Tax season is starting to heat up and many tax filers are getting started on filing their 2009 taxes. When filling out your 1040, you may be interested to know what the income tax brackets for 2009 are and how they my affect how much money that you pay in taxes.




The 2009 income tax brackets [...]]]></description>
			<content:encoded><![CDATA[<p>Tax season is starting to heat up and many tax filers are getting started on filing their 2009 taxes. When filling out your 1040, you may be interested to know what the income tax brackets for 2009 are and how they my affect how much money that you pay in taxes.<br />
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<p>The 2009 income tax brackets for tax filers in the United States are broken up into six brackets. Each bracket has a unique tax rate associated with it. The tax rates range from 10% all the way up to 35%. Since the United States uses a progressive taxation system, the high income earners carry the majority of the tax burden while low income earners pay the least in taxes. With the progressive tax system, a person who earns $7,000 a year will be taxed at the 10% level, while the ones who earn $400,000 a year would be taxed at the 35% level.</p>
<p>Income tax brackets rates for 2009 are 10%, 15%, 25%, 28%, 32%, and 35%. Each year, the income tax brackets usually adjust for a variety of reasons. Here are the income tax brackets for a single filer for the 2009 tax year:</p>
<p>10% &#8211; $0 &#8211; $8,350<br />
15% &#8211; $8,351 to $33,950<br />
25% &#8211; $33,951 to 82,250<br />
28% &#8211; $82,250 to $171,500<br />
33% &#8211; $171,551 to $372,950<br />
35% &#8211; over $372,950</p>
<p>As you can see, the percentage that you will pay in federal income taxes increases as your taxable income increases. There is however one important thing to remember when it come to the income tax brackets. Many people are under the impression that if they fall into the next tax bracket, they will have to pay all of their taxes in that bracket. This is simply not true. You will pay taxes on the amount in each bracket. For example: If you earn $34,000 in 2009, you fall into the 25% tax bracket. Since your income is only $50 into the 25% bracket, you will only pay the 25% on that $50 and the remainder of your taxable income will be calculated using the 15% bracket and below.</p>
<p>Author: Greg Jackson<br />
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		<title>File your 2009 federal taxes using free turbo tax online software &#8211; IRS freefile income tax filing programs</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/file-your-2009-federal-taxes-using-free-turbo-tax-online-software-irs-freefile-income-tax-filing-programs/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/file-your-2009-federal-taxes-using-free-turbo-tax-online-software-irs-freefile-income-tax-filing-programs/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 09:00:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1834</guid>
		<description><![CDATA[If you are interested in filing your taxes this year using free file software, you could be saving yourself hours by using a free tax filing program from freefile websites such as turbo tax free file. Free online tax preparation is available to anyone who qualifies. The qualifying income for free filing in 2009 is [...]]]></description>
			<content:encoded><![CDATA[<p>If you are interested in filing your taxes this year using free file software, you could be saving yourself hours by using a free tax filing program from freefile websites such as turbo tax free file. Free online tax preparation is available to anyone who qualifies. The qualifying income for free filing in 2009 is $57,000. Free file has been helping millions of Americans file their taxes each year.<br />
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<p>If you are trying to decide if freefile is right for you, you may want to consider how complex your taxes are. In general, if your taxes are complex and you will have to itemize and file a 1040, you will probably not benefit from using a free file program. On the other hand, if your tax situation is not very complex and your taxes can be completed using a form such as the 1040ez, you may be a good candidate for a freefile program.</p>
<p>When deciding which free file program to choose, be sure to also consider how much each website charges to complete your state income tax returns. Chances are, if you file your federal taxes for free, you are going to choose the same company to file your state taxes. Some websites do a very good job at hiding the cost of their state returns. </p>
<p>Once you have selected a free file program, filing your taxes is as simple as answering a few simple questions. If you don&#8217;t understand what the question is asking, there is usually a help section that does an excellent job explaining the answer to your questions. </p>
<p>Author: Allen Dukes<br />
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		<title>Get your free Saint Patty&#8217;s day ecards online for free &#8211; E-cards for Saint Patrick&#8217;s Day are available free at 123 greetings</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/get-your-free-saint-pattys-day-ecards-online-for-free-e-cards-for-saint-patricks-day-are-available-free-at-123-greetings/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/get-your-free-saint-pattys-day-ecards-online-for-free-e-cards-for-saint-patricks-day-are-available-free-at-123-greetings/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 08:30:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1836</guid>
		<description><![CDATA[Saint Patty&#8217;s day has arrived and there is no better way to share this tradition with everyone other then sending out free Saint Patrick’s Day Ecards to all of your friends. Saint patty&#8217;s days is a fun and exciting day when everyone celebrates by wearing green participating in Irish festivities.




A great way to start the [...]]]></description>
			<content:encoded><![CDATA[<p>Saint Patty&#8217;s day has arrived and there is no better way to share this tradition with everyone other then sending out free Saint Patrick’s Day Ecards to all of your friends. Saint patty&#8217;s days is a fun and exciting day when everyone celebrates by wearing green participating in Irish festivities.<br />
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<p>A great way to start the celebrations this year is by sending out free online St. Patrick&#8217;s Day cards to all of your friends, family, and coworkers. E-cards can be found at a variety of free ecard websites such as 123 greetings or American greetings. There are several other websites that offer free e-greeting cards online. These free ecard websites can be easily found by performing a Google search for free online greeting cards. </p>
<p>Sending an online greeting card for St. Patrick&#8217;s Day is an excellent way to share the spirit while saving money. To save money on both postage and greeting cards, try sending an ecard for all occasions. E-cards are a hot trend and are becoming more popular as folks look for small ways to save money. Sending an ecard is just one way that you can keep money in your pocket when money is hard to come by.</p>
<p>Author: Carla Kessler<br />
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		<title>St. Patty&#8217;s day free online ecard greeting cards &#8211; Free St. Patrick&#8217;s day e-cards from Hallmark to JibJab</title>
		<link>http://www.healthyfinancialhabits.com/2010/03/17/st-pattys-day-free-online-ecard-greeting-cards-free-st-patricks-day-e-cards-from-hallmark-to-jibjab/</link>
		<comments>http://www.healthyfinancialhabits.com/2010/03/17/st-pattys-day-free-online-ecard-greeting-cards-free-st-patricks-day-e-cards-from-hallmark-to-jibjab/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 08:00:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Commodity Watch]]></category>

		<guid isPermaLink="false">http://www.healthyfinancialhabits.com/?p=1838</guid>
		<description><![CDATA[Happy St. Patty&#8217;s day from Healthy Financial Habits! Green is of course our favorite color, and we all love to celebrate St. Patrick&#8217;s Day here at Healthy Financial Habits. Each year, millions of American&#8217;s send their friends and family holiday greeting cards online for free. Online greeting cards, or e-cards, are becoming a popular choice [...]]]></description>
			<content:encoded><![CDATA[<p>Happy St. Patty&#8217;s day from Healthy Financial Habits! Green is of course our favorite color, and we all love to celebrate St. Patrick&#8217;s Day here at Healthy Financial Habits. Each year, millions of American&#8217;s send their friends and family holiday greeting cards online for free. Online greeting cards, or e-cards, are becoming a popular choice for many Americans in this struggling economy. People are now looking for more creative ways to save money.<br />
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<p>Sending your friends and family a free online greeting card from websites such as Hallmark to Jibjab is an excellent way to wish that special someone a happy St. Patrick&#8217;s Day. Free e-greeting cards can be sent to anyone around the world in a matter of a couple minutes. There are dozens of websites located on the internet that offer free St. Patty&#8217;s day e-cards. </p>
<p>Finding these cards are so easy that anyone can do it. All you have to do is select the free e-card that you would like, customize it, and enter your recipients e-mail address. Some free online greeting card sites will request you to set up an account or give them your e-mail address. This is so that they can make you aware of upcoming promotions. </p>
<p>Author: Carla Kessler<br />
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