Facing a Giant

If you have ever experienced an audit by the IRS or had your tax deductions denied you have probably experienced the powerless feeling of being up against an impossible opponent. You might have taken some steps to appeal the decision, but fall short of a victory and decided to concede to them. If you won the battle you are among the lucky few. Most taxpayers fold under the pressure of fighting the IRS, even when they feel strongly that they are in the right.

A Bold Move

According to a recent Wall Street Journal article, a nurse from Maryland has won just such a case against the IRS. In 2006 Lori Singleton-Clarke filed her tax return for the previous year and included among her deductions $ 14,747 in tuition expenses for the M.B.A. that she had been pursuing through the online University of Phoenix. The person who prepared her return advised her to include this deduction, telling her the deduction fell within the guidelines of claiming it.

The Uphill Battle

It probably comes as no surprise to most people that the large deduction was initially rejected by the IRS Feeling that she was justified in claiming the deduction, Singleton-Clarke decided to pursue the matter further. She carefully researched the regulations for claiming that kind of deduction, and grew more and mroe convinced her original filing was justified. She pressed on in her quest.

Sheer Determination

What started out as an exchange of paperwork between Singleton-Clarke and the IRS quickly escalated into a very hard fought battle. There were seemingly unending documents requested by numerous individuals involved in the audit. The process itself was complicated enough that it likely would have prompted most people to surrender. After all of this, Singleton-Clarke was denied again so she made the decision to go to Tax Court. She decided to represent herself, as she could not afford an attorney.

One of the Few

In court Singleton-Clarke relied on her impeccable organization and record keeping to present her side of the case. These habits turned out to be very impressive to the judge and helped to clearly outline the necessary details. Only 10 percent of cases against the IRS actually succeed, but the judge ruled in the favor of Singleton Clarke. She was in shock when she received the decision. This ruling may even go on to help other students deduct these types of costs in the future. This is a hornet’s nest that the IRS may regret having stirred.

Can You Cover what You Owe?

Not everyone is lucky enough to have large deductions they can claim. Tax season is just about here, and tough times mean that budgets can get even tighter. If you’re short on cash after taxes, you might consider a personal loan, if you so desire. It can get you the quick cash you need to weather rough stretches, and applying at a reputable online site can make the process faster and less frustrating.

If you are wondering whether to get a personal loan you need to know the facts. There is a difference between secured and unsecured. You shouldn’t worry about not knowing what the difference is because a lot of people don’t know either.

 

Let’s start with a secured loan. A secured loan is very simply put a loan with some form of collateral for the lender to be assured that the loan will be paid back. This would mean that upon seeking the personal loan you will for example offer your house as a form of collateral and if you cannot pay the loan back the lender can take your home from you. This probably scares you a bit doesn’t it, being homeless isn’t very pleasant.  

 

In addition to that there are benefits believe it or not. The first benefit is that you will have lower monthly payments and it’s stretched over a long period of time this makes it easier for you to pay monthly installments. Also the interest rate charged is considerably lower than that of an unsecured loan. Failure to repay the loan would mean foreclosure or repossession of this asset by the lender, thereby greatly reducing the lender’s risk. Hence, the low interest rates.

 

Secured loans are also more available to people who might have slipped up once or twice in their credit history. It’s similar to when you fill your car up with petrol and you realize you forgot your wallet at home, you want to leave then to go fetch it but the petrol station manager just met you so how will he know that you will return and pay him what you owe? He wont, therefore you leave something valuable. This makes you more anxious to get home and return a.s.a.p to pay so you feel more at ease.

 

A personal loan is very rarely disputed, the purposes of the loan its your business hence the term “personal.” This is similar to a secured loan; these loans are also somewhat personal.

 

A unsecured loan also has its benefits. An unsecured loan is basically the complete opposite of a secured loan. This means that an unsecured loan is not secured with an asset of yours. This will mean that if you cannot pay the loan back you will be stuck with bad debt, but you will be able to keep all your assets. The process of applying for an unsecured loan is a lot easier than a secured loan. This is because the lender only needs to check your credit history and if it is up to standard you have your loan. With a secured loan you need to go through a process of evaluation of your assets etc.  

Before you walk into a bank etc you need to analyze your credit history and your finances. You need to decide for yourself first before asking for any recommendations, what would be a better option for you.