Publication 4. Student'S Guide To Federal Income Tax: Fill & Download for Free

I didn't have time to gather all the facts so forgive me for being so brief but here it goes:“Within his first week, he signed an Executive Order ordering an audit of government contracts, and combating waste and abuse. http://1.usa.gov/dUvbu5Created the post of Chief Performance Officer, whose job it is to make operations more efficient to save the federal government money. http://n.pr/hcgBn1On his first full day, he froze White House salaries for the duration of the Great Recession.http://on.msnbc.com/ewJUIxHe appointed the first Federal Chief Information Officer to oversee federal IT spending and efficiency. http://www.cio.govHe committed to phasing out unnecessary and outdated weapons systems and signed the Weapons Systems Acquisition Reform Act, in an attempt to limit waste, fraud and abuse in the defense procurement and contracting systems. http://bit.ly/hOw1t1http://bit.ly/fz8GAdHe created the National Commission on Fiscal Responsibility and Reform. http://bit.ly/hwKhKaSigned an Executive Order instructing federal agencies to review all federal regulations and remove any unnecessary and/or burdensome regulations from the books.http://1.usa.gov/Lpo5bdDismantled the Minerals Management Service, thereby cutting ties between energy companies and the government. http://nyti.ms/bw1MLuBanned gifts from lobbyists to anyone in the Executive Branch. http://bit.ly/fsBACNBanned anyone from working in an agency they had lobbied in previous years and placed strict limits on lobbyists’ access to the White House. http://nyti.ms/gOrznVHeld the first-ever first online town hall from the White House, and took questions from the public. http://bit.ly/gVNSgXBecame the first president to stream every White House event, live.http://1.usa.gov/kAgOP5Established a central portal for Americans to find service opportunities.http://www.serve.govRestored the 30-day time frame for former presidents to review records and eliminated the right for the vice president or family members of former presidents to do the reviews, giving the public greater access to historic White House documents, and curtails the use of executive privilege to shield them. http://1.usa.gov/gUetLbImproved the Freedom of Information Act and issued new guidelines to make FOIA more open and transparent when processing FOIA requests. http://1.usa.gov/gjrnp2Streamline the Department of Education’s procurement policies and made them more transparent. http://bit.ly/1r9oQvhProvided the first voluntary disclosure of the White House Visitors Log in history. http://1.usa.gov/hQ7Signed a law to completely reform NSA Data Collection program and keep phone records in the hands of the phone company. http://bit.ly/1dG34vDStaved Off a Bush Depression, Improved the EconomyPushed through and signed the American Recovery and Reinvestment Act, also known as “the stimulus package.” He also launched http://recovery.gov, a website that allows taxpayers to track spending from the Act. http://1.usa.gov/ibiFSshttp://1.usa.gov/e3BJMkBy the end of his first year, the economy created and sustained 2.1 million jobs and stimulated the economy by 3.5%. http://reut.rs/i46CEEHe created the massive TARP financial and banking rescue plan and forced banks and other entities to pay back virtually all of the bailout money.http://1.usa.gov/eA5jVShttp://bit.ly/eCNrD6He created the Making Home Affordable home refinancing plan. http://1.usa.gov/goy6zlIn 2010, more jobs were created than had been created during Bush’s eight years.http://bit.ly/hrrnjYHe pushed through and implemented an auto industry rescue plan that saved as many as 1 million jobs and possibly the entire auto industry.http://bit.ly/ibhpxrhttp://bit.ly/gj7mt5Through his investment in GM, returned to the company to its place as the premiere car company in the world. http://lat.ms/zIJuQxIn February 2016, GM was in such good financial shape, they gave a share of the profit to each worker, with checks up to $11,000. http://detne.ws/1mk7JryDoubled funding for the Manufacturing Extension Partnership, to improve manufacturing efficiency. http://bit.ly/eYD4nfIncreased infrastructure spending after years of neglect. http://bit.ly/f77aOwSigned the Helping Families Save Their Homes Act, which helped millions of Americans avoid preventable foreclosures and provided $2.2 billion to combat homelessness and stabilize the housing market. http://bit.ly/eEpLFnSigned an Executive Order creating jobs immediately by instructing them to reduce the time needed for review and permitting of infrastructure projects. http://1.usa.gov/GHxaYtThrough the Worker, Homeownership, and Business Assistance Act of 2009, he and Congressional Democrats provided tax credits to first-time home buyers, which helped the U.S. housing market recovery. http://bit.ly/dZgXXw http://bit.ly/gORYfLPlayed a lead role in getting the G-20 Summit to commit to a $1.1 trillion deal to combat the global financial crisis. http://nyti.ms/gHlgp5Through the American Recovery and Reinvestment Act, saved at least 300,000 education jobs, such as teachers, principals, librarians, and counselors that would have otherwise been lost. http://1.usa.gov/ez30DWith Congressional Democrats, provided funding to states and the Department of Homeland Security to save thousands of police and firefighter jobs from being cut during the recession. http://bit.ly/g0IKWRChina’s largest manufacturer, Foxconn, is building a large plant in Pennsylvaniahttp://cnnmon.ie/1k7LT4SWorked with Apple Computer to get them to build more product here, and thecompany is building two large plants to manufacture products here; one in Texashttp://zd.net/1nkpt2O and one in Arizona http://bit.ly/1mXY5VgCreated an institute to invest in more manufacturing jobs in the technology fields of the future. http://nyti.ms/1egyXrVOrdered all federal contractors to pay a minimum wage of $10.10 per hour, leading the way to a national increase. http://wapo.st/1iaU5kdOrdered the completion of the International Trade Data System, a digital trade record book, by 2016. This move will streamline and simplify the process through which small- and medium-sized businesses set up the export of US goods. http://bit.ly/1nwSRF4Specific Examples of Economic ImprovementAs of January 2016, a record 64 consecutive months of overall job growth.http://on.msnbc.com/1TKFCPQAs of January 2016, Unemployment drops below 5% for the first time in eight years and without a significant bubble. 4.9% http://on.msnbc.com/1TKFCPQAs of January 2016, there have been 71 consecutive months of private sector job growth. http://on.msnbc.com/1TKFCPQSince February 2010, when job numbers hit their lowest point, 13.7 non-farm jobs have been created. http://data.bls.gov/timeseries/C... (Republican budget cuts reduced public employment by about 700,000)Oversaw a reduction in the federal budget deficit by two-thirds since taking office.http://bit.ly/1xKMmjYReduced the federal budget deficit from 9.8% of GDP in Fiscal Year 2009 under Bush, to 2.9% of GDP in FY 2014. http://www.cbo.gov/publication/4...Scolds Congress and gets passed a $305 billion highways bill, which will have the added benefit of created hundreds of thousands of new jobs and creating incentives for green cars. http://bit.ly/1NsL2ZqAddressed Wrongdoing in the Financial SectorSigned the Fraud Enforcement and Recovery Act giving the federal government more tools to investigate and prosecute fraud in every corner of the financial system, and create a bipartisan Financial Crisis Inquiry Commission to investigate the financial fraud that led to the economic meltdown. http://abcn.ws/g18Fe7Ordered 65 executives who took bailout money to cut their own pay until they paid back all bailout money. http://huff.to/eAi9QqAlong with Congressional Democrats, pushed through and got passed Dodd-Frank, one of the largest and most comprehensive Wall Street reforms since the Great Depression.http://bit.ly/hWCPg0http://bit.ly/geHpcDCreated and implemented rules to reduce the influence of speculators in the oil market.http://bit.ly/MDnA1tCreated and implemented rules so banks can no longer use depositors’ money to invest in high-risk financial instruments that work against depositors’ interests. http://bit.ly/fnTayjSupported the concept of allowing stockholders to vote on executive compensation.http://bit.ly/fnTayjEndorsed and supported the Foreign Account Tax Compliance Act of 2009 that would close offshore tax avoidance loopholes. http://bit.ly/esOdfB http://bit.ly/eG4DPMNegotiated a deal with Swiss banks permitting the US government to gain access to bank records of criminals and tax evaders. http://bit.ly/htfDgwSigned the American Jobs and Closing Tax Loopholes Act, closing many of the loopholes that allowed companies to send jobs overseas, and avoid paying US taxes by moving money offshore. http://1.usa.gov/bd1RTqThanks to the Patient Protection and Affordable Care Act, inflation in the healthcare sector dropped to its lowest point in 50 years. http://on.wsj.com/1E6cYjFImproved Conditions for Consumers and Small BusinessesSigned the Credit Card Accountability, Responsibility and Disclosure (CARD) Act, to protect consumers from unfair and deceptive credit card practices.http://1.usa.gov/gIaNcSGuided the housing market all the way back from total collapse, which led to a rally for housing starts. http://reut.rs/1NTAOVU http://reut.rs/1NTAOVUBrought airline industry back to their highest profitability since before the recession. http://lat.ms/1O8H1iEBlocked a monopolistic merger of Staples and Office Depot, to preserve at least some competition. http://bit.ly/1kcY2KvStock market has reached record highs, restoring most of the economic losses felt during the Bush Recession. http://bit.ly/1z4FAtLCreated and Implemented the Consumer Financial Protection Bureau http://1.usa.gov/j5onG http://bit.ly/fnTayjConsumer confidence continues to inch up to its highest level more than a decade.http://bit.ly/1PZLRcKInitiated a $15 billion plan designed to encourage increased lending to small businesses. http://1.usa.gov/eu0u0bCreated BusinessUSA, to allow online collaboration between small businesses and experts re managing a business. (The program has since merged with U.S. Small Business Administration.) http://www.business.govTook steps to improve minority access to capital. http://bit.ly/f9xVE7Used recovered TARP money to fund programs at local housing finance agencies in California, Florida, Nevada, Arizona and Michigan. http://on.msnbc.com/i1i8eVCrafted and signed an executive order establishing the President’s Advisory Council on Financial Capability to assist in financial education for all Americans. http://bit.ly/eyqsNEOversaw the most sweeping food safety legislation since the Great Depression.http://thedc.com/gxkCtPThrough the Fraud Enforcement and Recovery Act, extended the False Claims Act to combat fraud by companies and individuals using money from TARP and Stimulus programs. http://bit.ly/SLTcSaSet up rules for banks in handling legal marijuana money. http://nyti.ms/1b80o2KAdded greater protections to consumer financial transactions to reduce identity theft.http://1.usa.gov/1pjfUFqTook steps to prevent pirate fishing and protect fish populations, and ordered stricter labeling requirements on labeling of seafood products in stores. http://1.usa.gov/1BYhTUnSigned the RAISE Act, which should encourage more people to open small businesses and help improve the economy. http://bit.ly/1QhTqkFSigned a bill that allows low-volume vehicle manufacturers that will increase entrepreneurship among small car manufacturers, who often build replicas of classics but who often build green vehicles. http://bit.ly/1QhTqkFStrengthened the Middle Class and Fought PovertyWorked to provide affordable, high-quality child care to working families.http://bit.ly/fNfidSThrough the American Recovery and Reinvestment Act, cut taxes for 95% of America’s working families. http://bit.ly/eSEI4FTax rates for average working families are the lowest since 1950. http://bit.ly/f74pD8Extended and fully funded the patch for the Alternative Minimum Tax for 10 years.http://bit.ly/eFeSdPExtended discounted health coverage under the COBRA health insurance law for the unemployed from 9 months to 15 months, and he’s also extended unemployment benefits more than a few times. http://aol.it/evtVxDhttp://nyti.ms/emrqKJhttp://bit.ly/hOtIpg http://bit.ly/fTT7kzProvided a $20 billion increase for the Supplemental Nutrition Assistance Program (Food Stamps). http://nyti.ms/gfLqyMSigned an Executive Order that established the White House Office of Urban Affairs.http://wapo.st/eWECA8Included the Buffet Rule in his 2014 budget proposal, in order to fulfill a campaign promise to make sure tax rates are fair between the rich and the middle class. http://1.usa.gov/19PkdQoUsed the fiscal cliff negotiations to extend for five additional years the American Opportunity Tax Credit, which provides tax credits to families for college-related expenses, thus saving those families up to $10,000. http://onforb.es/17zYg3uIncreased protections for the unemployed who are seeking a government job.http://1.usa.gov/1jgXATuUpdated and modernized overtime regulations under the Fair Labor Standards Act (FLSA) http://1.usa.gov/1iGDO8eSigned and implemented the Healthy Hunger-Free Kids Act, to improve nutrition in schools and make children healthier. http://1.usa.gov/GAXkSkTo make college more affordable and accountable, will begin rating colleges with regard to affordability and value. http://bit.ly/14Dn7ULInitiated a reform of federal job training programs, to make them more relevant to the current economy and the job market. http://1.usa.gov/1kZLQHGUnder Obama, the bottom 95% of taxpayers pay lower federal income taxes than at any time in the last 50 years, including under Reagan, or either Bush. http://bit.ly/1w1W8NsSigned a presidential memorandum authorizing six weeks paid leave for all federal employees with a new baby and encouraged Congress to do the same for all workers. http://bit.ly/18613XA2014 marked the first time since 1984 that unemployment dropped in all 50 states and the District of Columbia. 1.usa.gov/1E25u0CTook steps to improve workplace safety by creating an Advisory Board to study workers’ exposure to toxic substances. http://1.usa.gov/1M4s8IGChanged overtime rules to make it far more difficult for employers to avoid paying overtime to workers. http://politi.co/1KHfiBeChanged rules for federal contractors, guaranteeing that all workers earn paid leave; this should affect about 300,000 workers. http://1.usa.gov/1LcHZWlNegotiated a law to finally replace “No Child Left Behind” and remove much of the onerous government “oversight” that caused children to stagnate, not improve, academically. http://bit.ly/1Up9pMlAddressed Civil Rights and EqualityFormed a commission to examine and make recommendations for fixing the broken voting system. http://wapo.st/16K0DAt a press conference August 9, 2013, gave up a small measure of executive power, promising to create adversarial process in FISA regarding NSA surveillance.http://1.usa.gov/1dQmnyQProposed rules to enhance Fair Housing Laws, to give HUD and other enforcement agencies more enforcement power. http://bit.ly/1qkz4uQOrdered a review of capital punishment policies after several botched executions.http://nyti.ms/RDJp58Appointed Kareem Dale as the first ever Special Assistant to the President for Disability Policy. http://1.usa.gov/fi5IY0Concentrated immigration enforcement on those who commit crimes, and vowed to stop breaking up families. http://1.usa.gov/1uTZ8gVStreamlined the visa process, to make it more responsive and humane for those who want to be here legally. http://1.usa.gov/1tgDRtiTook steps to tighten the reins when it comes to providing local law enforcement agencies with military-style equipment and exercising more control over the equipment they receive. http://1.usa.gov/1ATWV3KChanged fair housing rules to make more affordable housing available to more people. http://cnn.it/1JcR3qBHelped Democrats in Congress pass and signed the Civil Rights History Act.http://bit.ly/th0JC8Established the White House Council of Native American Affairs, to improve government-to-government relations with Native American nations. http://1.usa.gov/1cIEeEvLimited local police acquisitions of military-style equipment, to reduce the likelihood of overkill. http://n.pr/1NGkBjTSigned Blue Alert Law, which provides police officers with more information when they are threatened. http://bit.ly/1NGksgaImproved Workers’ RightsHe issued final rules that require all employers to prominently post employees’ rights where all employees or prospective employees can see it, including all websites and intranets.http://1.usa.gov/qu2EhQObama’s Equal Employment Opportunity Commission clarified and strengthened rules prohibiting discrimination against pregnant workers. http://alj.am/1mo0kjVRequired companies who bid on federal contracts larger than $500,000 to publicly disclose all previous violations of labor law, including unpaid claims for back wages. http://1.usa.gov/V54qY3Made it illegal for federal contractors with more than $1 million in contracts to force employees into arbitration in workplace discrimination accusations. http://1.usa.gov/V54qY3Vetoed Republican bill that would have blocked new NLRB rules that were designed to speed up the time it takes workers to unionize. http://reut.rs/1agujMO He also added a Memorandum of Disagreement to make his reasons for the veto clear and made a major statement in support of unions. http://1.usa.gov/1NG7RuACracked down on companies that were previously denying sick pay, vacation and health insurance, and Social Security and Medicare tax payments through abuse of the employee classification of independent contractor. http://nyti.ms/fOGLcjProtected the Rights of Gay PeopleSigned and implemented the Matthew Shepard and James Byrd, Jr. Hate Crimes Prevention Act, which made it a federal crime to assault anyone based on his or her sexual orientation or gender identity. http://bit.ly/gsMSJ7Oversaw and implemented the repeal of the reprehensible “Don’t Ask Don’t Tell” policy.http://bit.ly/fdahuHhttp://bit.ly/mZV4PzExtended benefits to same-sex partners of federal employees. http://1.usa.gov/g2RLCjAppointed more openly gay officials than anyone in history. http://bit.ly/g1lA7DAppointed first openly transgender Cabinet Official in History. http://bit.ly/58zUp7Advocated that United Nations adopt a policy supporting gay rights worldwide.http://lat.ms/pQe1RSAs soon as the Supreme Court invalidated the Defense of Marriage Act, he moved to extend federal benefits to same-sex couples. http://wapo.st/1avDjueIssued an order requiring hospitals to allow visitation by same-sex couples.http://reut.rs/llNJekChanged HUD rules to prohibit gender and sexual orientation-based discrimination in housing bit.ly/9RxEnPChanged his mind and publicly expressed support for same-sex marriage.http://bit.ly/JsiFKpIssued a Presidential Memorandum reaffirming the rights of gay couples to make medical decisions for each other. http://1.usa.gov/aUueGTAppointed several prominent gay athletes and others, and plans to show US government’s commitment to gay rights to anti-gay Russia. http://on.cpsj.com/1fckN9hDepartment of Agriculture propagated new rules to better enforce non-discrimination when it comes to USDA investigations and to extend non-discrimination to gender identity. http://bit.ly/1yChJhiBanned all federal contractors from discriminating against gay workers. http://1.usa.gov/1ok1gfHPersevered with his campaign to turn “gay marriage” into “marriage” and won in the Supreme Court. http://cbsloc.al/1M4qLKbImproved Conditions for WomenEstablishing the White House Council on Women and Girls to ensure that all Cabinet and Cabinet-level agencies consider the effect of their policies and programs on women and families. http://bit.ly/e1puTk http://1.usa.gov/rFfqMMImplemented the Lilly Ledbetter Fair Pay Act, which restored basic protections against pay discrimination for women and other workers. http://bit.ly/fT3CxgEliminated federal funding for abstinence-only education, and rescinded the global gag rule. http://bit.ly/eCFAI1 http://bit.ly/f92drFImproved the Paycheck Fairness Act, making it possible for employees to talk about their salaries without retaliation, and ordering salary data collection, so as to make it harder for employers to pay women less. http://huff.to/1nwVOWfSigned an Executive Order pledging support for efforts to end the global problem of violence against women and girls. http://1.usa.gov/MHTRVUShattered another glass ceiling by naming Janet Yellen chair of the Federal Reserve beginning Feb. 1, 2014. http://usat.ly/1gqMBfkExpanded funding for the Violence Against Women Act. http://1.usa.gov/dSbI0xOrdered companies with 100 employees or more to disclose pay data based on race and gender, to address the pay gap. http://theatln.tc/1Q04XPLAddressed Criminal Justice Failings and the Gun CultureMade significant reductions in drug sentencing guidelines for current prisoners. http://n.pr/1mWBLkMOversaw the first drop in the federal prison population in 32 years. http://bit.ly/1B5h8rWIncreased his use of clemency to release thousands of non-violent drug offenders from prison. http://nyti.ms/1KE8DJGOrdered a ban on solitary confinement for juvenile offenders in federal prisons.http://bit.ly/20ObRzATook executive action to promote smart gun technology, to make them safer.http://1.usa.gov/1RhK1tUAfter a failure by Congress to act, proposed executive orders to create more background checks and to fully staff the background check system. http://cnn.it/1JXmUg6Relaxed HIPAA rules enough to allow for more information to be available to the background check system. http://on.wsj.com/SX9xaZOrdered the tracing of guns as part of criminal investigations to provide data to researchers. http://on.wsj.com/SX9xaZOrder the Justice Department to look at the categories of mental health problems prohibited from owning guns to make sure people aren’t falling through the cracks, getting guns. http://onforb.es/1nUAGw3Expanded the definitions of gun dealers and expanded the information available and required in background checks for firearm purchases. http://bit.ly/1K5aXeeSet up a task force to figure out what other measures can be taken to limit gun violence in the wake of Congressional inaction. http://1.usa.gov/1QjYMGJImproved Treatment of Soldiers and VeteransProvided active combat troops with better body armor. http://bit.ly/hzSv2hCreated a Joint Virtual Lifetime Electronic Record program for military personnel, in order http://abcn.ws/1ghLrEshttp://abcn.ws/1ghLrEs to improve the quality of their medical care. http://1.usa.gov/f4yaxWPut an end to the Bush-era stop-loss policy that kept soldiers in Iraq/Afghanistan beyond their enlistment date. http://nyti.ms/e2YQ7QSigned and implemented Veterans Health Care Budget Reform and Transparency Act, making more money available to enable better medical care for veterans.http://1.usa.gov/fN4ur1With Congressional Democrats, oversaw largest spending increase in 30 years for Department of Veterans Affairs, for improved medical and extended care facilities for veterans. http://1.usa.gov/gY8O3xImplemented the Green Vet Initiative, which provides special funding to provide veterans with training in green jobs. http://bit.ly/epwUQYInitiated and signed a recruitment and employment plan to get more veterans into government jobs. http://bit.ly/b48coiOversaw a $4.6 billion expansion of the Veterans Administration budget to pay for more mental health professionals. http://bit.ly/gjzTxXSigned the Military Spouses Residency Relief Act, which ensures that spouses of military personnel who are forced to move because their spouse is posted for military duty can avoid state taxes in their temporary residence. http://bit.ly/1Gh0NXOrdered improvements to access to mental health care for veterans, military personnel and their families. http://1.usa.gov/TP7PVZGot Syria to dismantle its chemical weapons without military firing a single shot or dropping a single bomb. http://nyti.ms/1lVEkU7Along with Congressional Democrats, not only reauthorized families of fallen soldiers to be able to visit when the body arrives at Dover AFB, but also provided funding for it. Ended the media blackout on coverage of the return of fallen soldiers. Pentagon Will Help Families Travel to Dover http://bbc.in/gWSSkAFunded Department of Veterans Affairs (VA) with an extra $1.4 billion to improve veterans’ services. http://1.usa.gov/huhqfoSigned into law a bill that provides support, counseling, and breastfeeding supplies to military moms who are covered under TRICARE, the health insurance provided to veterans. http://bit.ly/1yNxL8OSigned into law a bill that makes it easier for military dogs to retire at home with their handlers. http://bit.ly/1J78Y2UImproved America’s Reputation Around the WorldVisited more countries and met with more world leaders than any previous president during his first six months in office. http://bit.ly/hZycdaAs he promised, he gave a speech at a major Islamic forum in Cairo early in his administration. http://nyti.ms/dKvY4gMade a speech at a US mosque to demonstrate his commitment to religious rights and send a message to Muslims around the world. http://cnn.it/1PGU1uIRestored America’s reputation around the world as a global leader.http://bit.ly/h743y7http://bit.ly/ho4TCrRe-established and reinforced our partnership with NATO and other allies on strategic international issues. http://1.usa.gov/e7QuDjClosed a number of secret detention facilities. http://nyti.ms/rpUc9lImproved relations with Middle East countries by appointing special envoys.http://1.usa.gov/tiGAGePushed forward the first realistic Middle East peace strategy in more than a decade, without abandoning the two-state solution. http://wapo.st/1avystePushed for military to emphasize greater development of foreign language skills. http://bit.ly/AxUCLVOffered $400 million to the people living in Gaza, while calling on both Israel and the Palestinians to stop inciting violence. http://bit.ly/9axfWhRefused to give Israel the green light to attack Iran over their possible nuclear program.http://bit.ly/xVmSZKOrdered the closure of the prison at Guantanamo Bay, although blocked by Congress.http://bit.ly/eW6CVFOrdered a review of our detention and interrogation policy and prohibited the use of “enhanced interrogation.” http://bit.ly/g6MTuCOrdered all secret detention facilities in Eastern Europe and elsewhere to be closed.http://bbc.in/h6N9axReleased the Bush torture memos. http://bit.ly/hWJ5z0On his second day in office, banned torture, reversed all Bush torture policies and put the US in full compliance with the Geneva Convention.http://1.usa.gov/dL6Zvehttp://nyti.ms/hzWWysIn response to the emerging “Arab Spring,” he created a Rapid Response fund, to assist emerging democracies with foreign aid, debt relief, technical assistance and investment packages in order to show that the United States stands with them. http://bit.ly/zfmGv9Ended the F-22 program, saving $4 billion. Though the 187 aircraft cost $358 million each to build, it had never flown a combat mission. http://slate.me/PYzmzTPassed the Iran Sanctions Act, to prevent war and encourage the Iranian government to give up their nuclear program. http://1.usa.gov/wLtNjbEnded the Iraq War. http://tgr.ph/ru0tySWorked to keep our withdrawal from Afghanistan on track, despite GOP opposition.http://reut.rs/1cIOsF1 Reiterated that commitment in 2014.http://nyti.ms/1exnmRFConducted a secret mission by SEAL Team Six to rescue two hostages held by Somali pirates. http://bit.ly/y8c9FzThrough United Nations Ambassador Susan Rice, helped negotiate a peaceful split of Sudan into two countries, creating an independent South Sudan. http://reut.rs/qzE0TjHelped make donations to Haiti tax deductible in 2009. http://huff.to/6YkAVYEstablished a new U.S.-China Strategic and Economic Dialogue. http://1.usa.gov/eX28DPIssued Executive Order blocking interference and helping to stabilize Somalia.http://1.usa.gov/hxdf8UEstablished new, more reasonable policies in our relations with Cuba, such as allowing Cuban-Americans to visit their families and send money to support them.http://n.pr/hY3Kwa http://nyti.ms/emQBdeThe new policies in Cuba led to thawed relations and the first US Embassy in Cuba in more than 55 years. http://abcn.ws/1ghLrEsNegotiated a deal with Iran that will prevent them from getting a nuclear weapon anytime soon, without firing a shot or invading the country. http://cnn.it/1M3HpvvAs a result of the Iran agreement, Iran shipped pretty much all of it nuclear material to Russia. http://nyti.ms/1PrzLtyBecame the first US President to visit Jamaica in more than 30 years, worked to restore relations with the country and signed a natural gas distribution agreement with the country. http://bit.ly/1JtpFqiChanged US Approach to “Defense” and National SecurityCreated a comprehensive new strategy for dealing with the international nuclear threat.http://1.usa.gov/gDX1nEAuthorized a $1.4 billion reduction in Star Wars program in 2010. http://1.usa.gov/gLFZl2Restarted nuclear nonproliferation talks and built up the nuclear inspection infrastructure/protocols to where they had been before Bush. http://lat.ms/gkcl3iSigned and got ratification of a new SALT Treaty. http://bit.ly/f3JVtwNegotiated and signed a new START Treaty that will stay in force until at least 2021.http://1.usa.gov/cI1bC4Committed the US to no permanent military bases in Iraq. http://bit.ly/hk73OJDeveloped a comprehensive strategy with regard to Afghanistan and Pakistan designed to facilitate the defeat of al Qaeda, the withdrawal of most troops and the rebuilding of Afghanistan. http://wapo.st/ee4XcsRe-focused on Afghanistan, stabilized the country, and began the process of withdrawing troops from the country. http://bit.ly/lNXUnaNegotiated a deal with Afghan government, to withdraw troops and military support, while assisting in rebuilding and modernizing of the country. http://bit.ly/K362anTook steps to severely weaken al Qaeda and limited their ability to terrorize the world.http://yhoo.it/n5lXs6Negotiated and signed a nuclear nonproliferation treaty with India.http://1.usa.gov/aHp0CnWorked with NATO to limit the slaughter of innocents in Libya, so that Libyans could topple the despotic Khadaffy government and determine their own fate.http://aje.me/qAh4SjGot Egyptian President/dictator Mubarak to leave the Egyptian government to the people, to determine their own fate. http://f24.my/efvgNZIn 2011, reoriented American focus from the Middle East to the Asian-Pacific region by simultaneously engaging China and crafting new alliances with Asian countries uncomfortable with Chinese behavior. http://bit.ly/RGlMDiRestored federal agencies such as FEMA to the point that they have been able to manage a huge number of natural disasters successfully. http://bit.ly/h8Xj7zIncreased border security http://bit.ly/1JQDGz9Ordered and oversaw the Navy SEALS operation that killed Osama bin Laden.http://bit.ly/jChpgwEstablished the Homeland Security Partnership Council, to enhance the nation’s ability to “address homeland security priorities, from responding to natural disasters to preventing terrorism, by utilizing diverse perspectives, skills, tools, and resources.”http://1.usa.gov/VJjLXOSigned agreement with Afghanistan to end war, turn security over to Afghans.http://nyti.ms/1xSjgBdBreaking with recent presidential tradition, instead of just attacking Syria in the wake of chemical weapons attacks on Syrians, Obama ordered a full report on the decision-making process. http://cbsn.ws/184RFguInstead of holding hearings and creating a political football, he quietly captured a suspect who actually committed the Benghazi terrorist attack. http://wapo.st/1jFlmzv He is also getting a lot of useful information from the suspect. http://nyti.ms/UfE2KaInstituted rules to order sanctions against individuals and groups that threaten national cybersecurity. http://1.usa.gov/1HWcGMGImproved Education and Educational OpportunitiesThrough the American Recovery and Reinvestment Act, invested heavily in elementary, secondary and post-secondary education. http://1.usa.gov/gGRIArCreated the Race to the Top program, which encouraged states to come up with effective school reforms and rewards the best of them. http://bit.ly/NHtZ7LOversaw major expansion of broadband availability in K-12 schools nationwide.http://bit.ly/fNDcj3Oversaw major expansion in school construction. http://bit.ly/fYwNrVThrough the American Recovery and Reinvestment Act, put $5 billion into early education, including Head Start. http://1.usa.gov/tzT2RrSigned the Democratic-sponsored Post-9/11 GI Bill, also known as GI Bill 2.0, to improve veterans’ access to education. http://bit.ly/hPhG7JOversaw expansion of the Pell Grants program, to expand opportunity for low and middle income students to go to college. http://bit.ly/hI6tXzSigned and implemented the Individuals with Disabilities Education Act, which provided an extra $12.2 billion in funds. http://1.usa.gov/dQvtUeTook major new steps to protect students from ineffective for-profit colleges through “gainful employment” measures, whereby schools have to demonstrate that its students actually find work to get federal aid. http://1.usa.gov/jkzQe2Repeatedly increased funding for student financial aid, and at the same time cut the banks completely out of the process, thus us creating greater accountability.http://bit.ly/gYWd30 http://bit.ly/e9c7Dr http://bit.ly/eEzTNqReformed student loan program, to make it possible for students to refinance at a lower rate. http://nyti.ms/dMvHOtCreated a rating system for colleges, so that those applying for student financial aid know better what they’re paying for. http://bit.ly/14Dn7ULRestored the Adult View on Science and TechnologyCreated a Presidential Memorandum to restore scientific integrity in government decision-making. http://1.usa.gov/g2SDuwOpened up the process for fast-tracking patent approval for green energy projects.http://bit.ly/j0KV2UThrough the American Recovery and Reinvestment Act, committed more federal funding, about $18 billion, to support non-defense science and research labs. http://nyti.ms/fTs9t7Obama EPA reversed research ethics standards which allowed humans to be used as “guinea pigs” in tests of the effects of chemicals, to comply with numerous codes of medical ethics. http://bit.ly/bKgqdSConducted a cyberspace policy review. http://1.usa.gov/gmbdvCProvided financial support for private sector space programs. http://bit.ly/fn8ucrOversaw enhanced earth mapping, to provide valuable data for agricultural, educational, scientific, and government use. http://bit.ly/dNTRyPThrough American Recovery and Reinvestment Act, provided $500 million for Health Professions Training Programs. http://bit.ly/ecQSgAIncreased funding for community-based prevention programs. http://bit.ly/frMPG3Expanded space exploration and discovery options to include more players.http://1.usa.gov/13qmZpmThrough the Connect America Fund, pushed through and received FCC approval for a move of $8 billion in subsidies away from telephone landlines to assist lower-income rural families in accessing broadband. http://lat.ms/vhRUEs http://bit.ly/129V3SYIn the wake of the West Fertilizer tragedy, formed the Chemical Safety and Security Working Group, to work on measures to prevent another such events.http://1.usa.gov/18kHSlAEstablished a Cyber Threat Intelligence Integration Center, a recommendation made by the 9/11 Commission, to coordinate efforts to fight cyber-crime and terrorism. http://1.usa.gov/1A0aEoSThe Obama FCC, with his leadership, adopted strong net neutrality rules, to keep the Internet open and equal for everyone. http://fcc.us/1MhTlIAOrdered rules to speed up deployment of a more comprehensive broadband infrastructure.http://1.usa.gov/M7rVpeSet up a National Strategic Computing Initiative, to “maximize benefits of high-performance computing (HPC) research, development, and deployment.” http://1.usa.gov/1IN3FZaOrdered a federal level change in national earthquake standards.http://1.usa.gov/1T5wGoRImproved Our HealthEliminated Bush-era restrictions on embryonic stem cell research, and provided increased federal support for biomedical and stem cell research. http://bit.ly/h36SSOhttp://ti.me/edezgeSigned Democratic-sponsored Christopher and Dana Reeve Paralysis Act, the first comprehensive attempt to improve the lives of Americans living with paralysis.http://bit.ly/fOi2rbExpanded the Nurse-Family Partnership program, which provides home visits by trained registered nurses to low-income expectant mothers and their families, to cover more first-time mothers. http://bit.ly/jRRRJc\Along with Democrats in Congress, ushered through and signed a bill authorizing FDA to regulate tobacco and order tobacco companies to disclose their ingredients and to ban cigarettes falsely labeled as “light.” http://on.msnbc.com/fiKViBHas overseen a 50% decrease in cost of prescription drugs for seniors.http://bit.ly/e5b1iq http://1.usa.gov/fVNkt9Eliminated the Bush-era practice of forbidding Medicare from negotiating with drug companies on price. http://bit.ly/fOkG5bTwo weeks after taking office, signed Democratic-sponsored Children’s Health Insurance Reauthorization Act, which increased the number of children covered by health insurance by 4 million. http://bit.ly/fDEzGvUrged Congress to investigate Anthem Blue Cross for raising premiums 39% without explanation. http://yhoo.it/e8Tj9CPushed through and signed Affordable Care Act, which expanded health insurance coverage greatly and ended many detrimental insurance company practices. He also established Get 2016 health coverage. Health Insurance Marketplace . http://www.healthcare.gov/Through ACA, allowed children to be covered under their parents’ policy until they turned 26. http://nyti.ms/fNB26VThrough the ACA, provided tax breaks to allow 3.5 million small businesses to provide health insurance to their employees. http://nyti.ms/fNB26VThrough the ACA, millions of people receive help in paying their health insurance company premiums. http://nyti.ms/fNB26VThrough the ACA, expanded Medicaid to those making up to 133% of the federal poverty level. http://nyti.ms/ekMWpo (Note: except for those states whose Republicans refused to take the extra money.)By 2014, the Affordable Care Act dropped the number of uninsured Americans by 22.3%, which amounts to more than 10.3 million people with insurance who didn’t have it before. Only 13.9% of Americans are uninsured, a drop from 18.9% in 2013. http://on.msnbc.com/1r4kjGnThe Affordable Care Act has increased the life expectancy of Medicare greatly.http://on.wsj.com/1yuNco6Through the ACA, health insurance companies now have to disclose how much of your premium actually goes to pay for patient care. http://nyti.ms/fNB26VMedicare costs actually declined slightly, for the first time in decades in 2011, according to the Congressional Budget Office. http://1.usa.gov/oMxpThSince passage of the ACA, health care inflation is at its lowest level since 1960.http://1.usa.gov/1vXR0LdCreated the HIV Care Continuum Initiative, to strengthen the government’s ability to respond to the continuing domestic HIV epidemic, after years of Republicans weakening the government’s ability to deal with the crisis. http://1.usa.gov/1iLED0tSigned bill that will provide health insurance premium support to workers who lose their health insurance due to foreign competition. http://bit.ly/1evvVDFIn response to the confusion triggered by the asinine Hobby Lobby decision, which essentially declared that corporations could have “religious rights” and lord them over employees, created new rules to give all women with insurance the right to free birth control. http://on.wsj.com/1O44a1tImplemented the National HIV/AIDS Strategy for 2015-2020, which is a follow-up to the first such strategy in US history, which he implemented in 2010. http://1.usa.gov/1IXknHmSigned and will implement new child safety standards for e-cigarettes.http://bit.ly/1XaFCISSet up a White House Cancer Moonshot Task Force, in order to implement ways to develop a cure for cancer. http://1.usa.gov/20AeKY4Addressed the Environment While Dealing with Energy NeedsDoubled federal spending on clean energy research. http://bit.ly/iN0sCEPushed through a tax credit to help people buy plug-in hybrid cars. http://bit.ly/j8UP5YCreated a program to develop renewable energy projects on the waters of our Outer Continental Shelf that will produce electricity from wind, wave, and ocean currents.http://1.usa.gov/fgfRWqReengaged in the climate change and greenhouse gas emissions agreements talks, and proposed one himself. He also addressed the U.N. Climate Change Conference, officially reversing the Bush era stance that climate change was a “hoax.” http://bit.ly/dX6Vj3 http://bit.ly/fE2PxK http://nyti.ms/hfeqvvFully supported the initial phase of the creation of a legally-binding treaty to reduce mercury emissions worldwide. http://bit.ly/eJ6QOORequired states to provide incentives to utilities to reduce their energy consumption. http://bit.ly/lBhk7PUnder Obama, our dependence on foreign oil has dropped to its lowest rate since 1985, and continues to drop. http://1.usa.gov/1p6kTUyMeanwhile, oil consumption is way down because of reduced driving and higher mileage standards. http://ti.me/1z4HFG8Improved siting, review and permitting stations for power plants, in an attempt to seriously improve the nation’s electric grid. http://1.usa.gov/1l8zNqnReengaged in a number of treaties and agreements designed to protect the Antarctic.http://bit.ly/fzQUFOCreated tax write-offs for purchases of hybrid and electric vehicles. http://bit.ly/glCukVEstablished a quadrennial review of our energy infrastructure, to encourage a modernization of the grid, and to encourage the transition away from fossil fuel use. http://1.usa.gov/1nx2oMoMandated that federal government fleet purchases be for fuel-efficient American vehicles, and encouraged that federal agencies support experimental, fuel-efficient vehicles.http://1.usa.gov/hmUSbk http://1.usa.gov/fLWq5chttp://bit.ly/h5KZqyEncouraged BP to pay $20 billion to establish Oil Spill Liability Trust Fund, to reduce the need for taxpayer funds to be used for compensation and clean up.http://wapo.st/ds2BxT (Note: it took 20 years to get $1.3 billion for the Exxon Valdez spill. )Oversaw and pushed through an amendment to the Oil Pollution Act of 1990 authorizing advances from Oil Spill Liability Trust Fund for the Deepwater Horizon oil spill.http://1.usa.gov/yTRYVoActively tried to amend the Oil Pollution Act of 1990 to eliminate the liability limits for those companies responsible for large oil spills. http://nyti.ms/bxjDi3Became the first President to simply say “Climate Change is a fact,” and set up the first federal government protocols for dealing with the impacts of climate change. http://1.usa.gov/1b7V67BInitiated Criminal and Civil inquiries into the Deepwater Horizon oil spill.http://nyti.ms/bVuB7aAsserted federal legal supremacy to bar Texas from authorizing new refinery permits on its own.http://bit.ly/ww8eMdSet up new, stricter standards limiting power plant emissions. http://1.usa.gov/1mML2M3Strengthened the Endangered Species Act. http://bit.ly/hscjsHStrengthened protection for wildlife, and expanded enforcement of laws against wildlife trafficking. http://1.usa.gov/1fce1AiObama EPA improved boiler safety standards to improve air quality, and save 6500 lives per year. http://bit.ly/jYH7ntThrough the EPA, attemped to take steps to severely limit the use of antibiotics in livestock feed, to increase their efficacy in humans. http://bit.ly/fBuWd2Through new EPA regulations, he created a pretext for closing the dirtiest power plants in the country, by limiting emissions of mercury and other toxic gasses. http://bit.ly/rQCIgAIncreased funding for National Parks and Forests by 10% http://bit.ly/fbJPjYAnnounced greatly improved commercial fuel efficiency standards.http://1.usa.gov/oQiC1KAnnounced a huge increase in average fuel economy standards from 27.5mpg in 2010 to 35.5mpg starting in 2016 and 54.5 starting in 2025 http://1.usa.gov/qtghsWFacilitated investment in industrial energy efficiency to create jobs and strengthen US manufacturing while saving businesses $100 billion over a decade.http://1.usa.gov/WsIgbxSet up the Gulf Coast Ecosystem Restoration Council to oversee Gulf Coast restoration efforts after the 2010 BP oil spill. The money to fund the restoration efforts comes from fines against BP. http://1.usa.gov/Rxjb29Engaged in the most comprehensive plan to combat climate change in a generation.http://bit.ly/13lXhETOrdered energy plants to prepare to produce at least 15% of all energy through renewable resources like wind and solar, by 2021. http://reut.rs/fV155pOversaw the creation of an initiative that converts old factories and manufacturing centers into new clean technology centers. http://bit.ly/mjnq2RGuided a 418% increase in solar power capacity between 2010 and 2014. http://bit.ly/1rHkWJCAs of May 2015, 74% of new electrical capacity was provided by solar and wind power. http://bit.ly/1T5r0LCBypassed Congress and ordered EPA to begin regulating and measuring carbon emissions.http://bit.ly/froaP5Oversaw a tripling in the use of wind power to generate electricity. The US now leads the world in increased wind power capacity. http://www.worldwatch.org/node/5448Ordered the federal government to incorporate climate resilience and climate science into all international development in which the United States engages. http://1.usa.gov/YV1EpWFast-tracked regulations to allow states to enact fuel efficiency standards that exceeded federal standards. http://nyti.ms/e8e94xFast-tracked increased fuel economy standards for vehicles beginning with the 2011 model year. It was the first time such standards had been increased in more than a decade.http://politi.co/hiaPKMOversaw establishment of an Energy Partnership for the Americas, to create more markets for American-made biofuels and green energy technologies. http://bit.ly/lZp73yObama EPA reversed a Bush-era decision to allow the largest mountaintop removal project in US history. http://bit.ly/lP3yELOrdered the Department of Energy to implement more aggressive efficiency standards for common household appliances. http://1.usa.gov/g3MTbuObama EPA ruled that excess CO2 is a pollutant. http://bit.ly/iQTSNNClosed a deal with China to limit carbon emissions to slow down climate change. http://nyti.ms/1xzyS8KBlocked all oil and gas drilling in Bristol Bay, Alaska, one of the most pristine environments in North America http://lat.ms/13xUVFDSigned an Executive Order to improve environmental efforts in the Arctic region and to combat climate change by better coordinating the efforts of the 23 federal agencies operating in the area. http://usat.ly/ZEzLzEVetoed a bill to fast track construction of the parallel Keystone XL pipeline.http://nbcnews.to/1DVDFo7Expanded clean water regulations to more stringently protect all of the nation’s waterways, even when states fail in their duty. http://bit.ly/1RdQpTcSigned an Executive Order committing the federal government to lead the way in building a sustainable economy. It’s his fifth doing just that. http://1.usa.gov/1EzO2neBanned the use of antibiotics in food served in US Government-run cafeterias and ordered agencies to only use antibiotic-free meat. http://bit.ly/1G1vUxi http://bit.ly/1KHkl4NDeveloped new rules to address climate change and to create a significant boost to clean energy. http://bit.ly/1UnQcuRNegotiated and signed a virtually Republican-Proof global agreement on climate change, with 190 countries signing on. http://bit.ly/1RkjVG8Became one of 196 countries that signed onto a UN Framework on Climate Change.http://unfccc.int/2860.phpOrdered a moratorium on new coal leasing on federal land, and they will examine the whole leasing process. http://wapo.st/23Q6en8There’s a Lot More!Nominated Sonia Sotomayor and Elena Kagan to the Supreme Court. Sotomayor is the first Hispanic Justice in the court’s history, and the women represent only the third and fourth women to serve on the court, out of a total of 112 justices.http://huff.to/eOChg6http://bit.ly/i02wgPAppointed the most diverse Cabinet in history, including more women than any other incoming president. http://bit.ly/dX6vNBLoosened the rules and allowed the 14 states that legalized medical marijuana to regulate themselves without federal interference. http://huff.to/eQfa7jSigned national service legislation, increasing funding for national service groups, including triple the size of the Americorps program. http://bit.ly/idgQH5Signed a bill that provided $4.3 billion in additional assistance to 9/11 first responders.http://bit.ly/o7cWYSSigned the Claims Resolution Act, which provided $4.6 billion in funding for a legal settlement with black and Native American farmers who had been cheated out of government loans and natural resource royalties in the past. http://1.usa.gov/dGppUaTo help those communities devastated by Hurricane Sandy, issued an executive order setting up the Hurricane Sandy Rebuilding Task Force, and asked Congress to approve $60 billion in supplemental assistance to aid in storm recovery. http://1.usa.gov/134L7hlProduced 23 Executive actions designed to make it easier for law enforcement to identify those who shouldn’t have guns, thus helping them enforce the law.http://on.wsj.com/SX9xaZExpanded trade agreements to include stricter labor and environmental agreements in trade pacts like NAFTA. http://bit.ly/etznpYOversaw funding of the design of a new Smithsonian National Museum of African American History, which is scheduled to open on the National Mall in 2015. He protected the funding during budget negotiations.http://on.fb.me/fD0EVO http://bit.ly/ff5LuvOversaw and passed increased funding for the National Endowment for the Arts.http://bit.ly/dFb8qF”And Did You Know?Despite the characterizations of some, Obama’s success rate in winning congressional votes on issues was an unprecedented 96.7% for his first year in office. Though he is often cited as superior to Obama, President Lyndon Johnson’s success rate in 1965 was only 93%.http://n.pr/i3d7cYAnd of course…Despite the odds, became the first black president, and then was reelected by a wide margin of the population.

The Ultimate Guide to Paying Off Student Loans Fasterhave been reviewed, approved or otherwise endorsed by the financial institution.TIPS: If you have bad credit and struggling to cope financially i would recommend you reach out to George Gibbs , He is a computer guru & programming expert who i have used his services and also referred a lot of family members to as well. He is effective and 100% Legit.1. Make more than the minimum paymentEffectiveness Level: Medium-HighThis is one of the easiest ways to reduce your debt. Just take the payments you have and add extra money to the payment. You should already have payments set up, so anything extra goes straight toward your principal.One easy way to do this: Set up automatic payments with this extra amount added in. This takes any indecision out of the equation and makes it harder for you to change your mind, too.2. Do the math and find your payoff dateEffectiveness Level: LowDo you know exactly when you’ll be free of student loan debt? If you answered no, you’re not alone.But figuring out your payoff date is always a good place to start when it comes to managing debt. Why? Because once you know this date, you can work on moving it closer.3. Consolidate and refinanceEffectiveness Level: HighRefinancing your loans is one of the best moves out there for paying off student loans faster. The goal of refinancing is to decrease interest rates, meaning more of your payments go toward paying down your student loans.When you refinance multiple student loans, you’ll get one consolidated loan with one monthly payment. Alternatively, you could refinance just one student loan for lower rates. You’ll likely only want to refinance loans where you can actually decrease your interest rate.4. Use a cash windfallEffectiveness Level: MediumCash windfalls come in various forms. These can include lottery winnings, an inheritance, a settlement from a lawsuit or insurance claim, and more.When you suddenly get a chunk of money from these sources or others, you might be tempted to spend it. It’s so tempting that Bankrate reports an estimated 70 percent of those who get cash windfalls spend all of it within a few years.So instead of spending it on stuff you won’t even remember, use it for paying off student loans faster.5. Take a job that offers forgivenessEffectiveness Level: Medium-HighCertain jobs, like public service work or teaching, may offer forgiveness for part or all of your student loans. This is great because it’s basically free money. All you have to do is meet the requirements to get your student loans forgiven. See our guides to Public Service Loan Forgiveness and teacher student loan forgivenessfor more details.There is one potential downside: You need to meet all the requirements and complete the full term of work required to get any forgiveness.Since these forgiveness programs are typically used in conjunction with income-based repayment plans, your payments will decrease but interest charges will accumulate. If you wind up ineligible for forgiveness for any reason, you’ll be stuck with greater interest charges.6. Apply your raisesEffectiveness Level: HighHopefully, you work at a job where yearly raises are part of the compensation. But what do you actually do when you get a raise? You could just get more stuff — a bigger TV, a better car, or more exotic vacations. But why not put a chunk of it toward student loan repayment?We covered this in our post about how to start investing, but the same strategy could be used with student loans. Just take one-half of your raise amount and put it straight toward student loan payments. This means either upping your automatic student loan payments or transferring the money to a savings account.7. Avoid repayment programsEffectiveness Level: VariesYou might be focused on lowering your student loan payments; this makes a lot of sense if you’re struggling to repay your student loans. But if your goal is paying off student loans faster, you probably want to avoid income-driven loan repayment programs.Why would you want to do this? Well, almost all of these federal student loan repayment programs are geared toward decreasing payments by lengthening the term of the loan. This means it’ll take longer to pay off student loans.8. Trim your budgetEffectiveness Level: Medium-HighIf you want to find more money but can’t easily increase your income, decreasing your budget is an option. While it may sound extreme, some have trimmed their budget drastically. The key to success: You only have to do this in the short term. It’s not for the rest of your life, but rather a short period where you’re focused on paying off student loans faster9. Earn extra money with a side gigEffectiveness Level: MediumAlong with trimming your budget, you could try supplementing your income with a side gig.Side gigs come in all shapes and sizes. You could offer a service online, such as tutoring, editing, or design. Maybe you could finally clean out your closets and sell your used clothes. Or, as this TV producer did, you could start your own cookie-baking business.10. Be strategic about your debtEffectiveness Level: MediumThe first step to repaying your loans faster is to add more money to your student loan payment. But how you apply that extra money could make a big difference, too.For all student loans, it makes the most sense to pay off the highest interest loans first. This is called the “debt avalanche” method, where you pay just the minimum on all but the student loan with the highest rate.You might be best off targeting private student loans first, too before focusing on federal student loan repayment. Repaying private student loans often means higher interest rates and less flexible repayment terms compared to federal student loans. Private loans can have variable interest rates as well, meaning your rate could rise over time.By targeting the loans with the highest interest rates first, you’ll save the most money on interest.11. Take interest rate reductionsEffectiveness Level: LowWhile you can cut down on the cost of your student loans and get some big wins with the strategies above, smaller savings can add up, too. One of them is the interest deduction from signing up for automatic payments.Many servicers offer a 0.25 percent interest rate deduction on federal student loans for enrolling in automatic payments. While this isn’t a ton of money, it’s not bad to get a few bucks back.12. Take full advantage of tax deductions and creditsEffectiveness Level: MediumIf you’re paying off student loans, you’re likely eligible for the student loan interest deduction on your federal taxes. You may deduct up to $2,500 on your taxes each year for the interest you pay on student loans.While you must meet other requirements, generally a lot of student loan holders in their 20s will be eligible. That’s because this deduction can be taken even if you don’t itemize your taxes (which many young taxpayers don’t do).Tax credits can be even more valuable than tax deductions. In general, a $2,500 tax credit will save you more money than a $2,500 deduction will.13. Realize student loans aren’t ‘good debt’ to keep aroundEffectiveness Level: LowYou might hear chatter about “good debt” and “bad debt.” And while student loans are generally a good investment based on increased income potential in your lifetime, along with some deductions, it’s not good debt to keep around.The “good debt versus bad debt” debate is really about how that debt helps you increase the value in something. In this case, it’s the value of a salary.But while taking out student loans is a good idea, letting them sit around forever isn’t. Interest charges stack up the longer you wait to repay loans.Of course, you can be strategic when figuring out how to pay student loans, but merely calling student loans “good debt” as an excuse to drag out repayment isn’t a good idea.14. Pay every two weeksEffectiveness Level: MediumAnother popular extra payment strategy for student loans is to make a student loan payment every two weeks.Now, you don’t need to pay double the amount of your monthly payment to make this work. Instead, here’s the common strategy:Split your monthly payment in half.Make a payment of that amount every two weeks.By doing this, you’ll make a full extra payment over the year. The real strength of this strategy is that if you receive a paycheck bi-weekly, you shouldn’t feel the pain of paying the extra amount.15. Visualize the future without student loansEffectiveness Level: LowWhile this isn’t exactly a repayment strategy, it can help you find motivation to get rid of your debt, especially if it’s causing a lot of stress in your life.Here’s an easy way to start your visualization. Think of the one thing you hate most about having student loans. Maybe it’s that you can’t afford to go on a vacation, or maybe you have to eat rice and beans to scrape together enough money to pay your bills. Perhaps you drive a crappy car that breaks down all the time.

“Doing your taxes” in the United States involves collecting the information on all the income you (and your spouse and dependents) have earned in the past year and supplying that information to the IRS (Internal Revenue Service) and other local tax authorities from the state or even city if required.Preparing your taxes will determine what you may owe in taxes, or what rebates you may be entitled to. There are individual (personal) tax returns as well as business tax returns. There are also some others such as estate returns.The money gathered by taxes is used by the government to pay for the services and programs sponsored by the government for it’s citizens.Nobody likes to pay taxes, but nobody likes cuts in services either. The congress votes on how to spend the money. They fight a lot. Sometimes if they can’t agree, the budgeted money starts to run out, and the government can begin to shut down. People don’t get paid who perform services for the government. Some are furloughed, and others who are considered essential, have to work with no pay.President Trump recently shut down the government for the longest time in history because he wanted money to build his wall. Congress refused. Finally the President accepted the budget that was proposed by congress, and government employees started to get paid again.Below is more info directly from the Official Guide to Government Information and Services | USAGov website.How to File Your Federal TaxesTaxes are due on April 15, 2019 (April 17 in Maine and Massachusetts). The new tax law has changed many forms, credits, and deductions. Check this page carefully before filing your federal income tax return.Infographic: Tax Reform - Big Changes to Credits and Deductions for 2018Learn the changes that affect you and your family under the tax reform law.View a larger version of the infographic.Show Description of InfographicFile a Federal Income Tax ReturnThe federal government uses taxes to pay its bills and provide public goods and services. The Internal Revenue Service (IRS) collects the taxes you owe through withholding from your paycheck, estimated tax payments, and when you file your taxes each year.Do I Need to File?You may not have to file a federal income tax return if your income is below a certain amount. However, you must file a tax return to claim a refundable tax credit or a refund on income tax withheld. Find out if you have to file a tax return.Follow These Steps to File a Tax ReturnNote: The new tax law has changed the forms, credits, and deductions you may have used in the past. Learn the basics of the tax law changes.Gather your paperwork, includingA W-2 form from each employerOther earning and interest statements (1099 and 1099-INT forms)Proof of health insurance coverageReceipts for charitable donations, medical, and business expensesChoose your filing status - Whether you’re married and the percentage you pay for household expenses determine your filing status.See if you qualify for free tax return preparation - The IRS offers free tax help to people with a low income, military service members and their families, people with disabilities, seniors, and taxpayers with limited English.Decide how you want to file your taxes - The IRS recommends using tax preparation software for easiest and most accurate returns. You can use free or paid programs to calculate and file your taxes online or get paper forms to mail to the IRS. You can also hire a tax preparer to do your taxes for you.Calculate your taxes, credits, and deductions - Tax law changes may impact your credits and deductions and the taxes you owe.Add up your sources of income, including salary, interest and investment earnings, and pension or retirement accounts.Check if you are eligible for education, family, and dependent credits for a qualifying child or relative.You may also qualify for deductions for things like mortgage interest or charitable donations. Credits and deductions can lower the amount of your taxable income. But keep in mind, while the IRS has increased the standard deduction for tax year 2018, it eliminated some other types of deductions.If you owe money, learn how to make a tax payment, including applying for a payment plan.File your taxes by April 15, 2019 (April 17 in Maine and Massachusetts).Find out how to check the status of your tax refund.Contacting the IRSFor the fastest information, the IRS recommends finding answers to your questions online. You can also call the IRS. This option works best for less complex questions. Keep in mind that wait times to speak with a representative may be long.Do I Need to Pay Quarterly Estimated Taxes?If you’re self-employed, not enough tax is taken out of your salary or pension, or you have other earnings such as alimony, interest, or dividends, you may need to pay quarterly estimated taxes. Learn how to calculate your estimated taxes, when they’re due, and the penalty for underpaying.IRS Mailing AddressesThe Internal Revenue Service (IRS) provides mailing addresses for tax returns, non-return forms, applications, and payments. The correct mailing address to use depends on the purpose of contact and the region of the country you are in:Paper Tax Returns (with or without a payment)Non-Return Forms (applications and payments)You can also check a form's corresponding instructions for a mailing address.Get Tax Forms and PublicationsFederal Tax FormsFederal tax forms have changed as a result of the new tax law. Get the new forms, instructions, and publications for free directly from the Internal Revenue Service (IRS).Download them from IRS.govOrder by phone at 1-800-TAX-FORM (1-800-829-3676)The IRS can provide many forms and publications in accessible formats, including Section 508 accessible PDFs and Braille or text. They also have forms for prior tax years.You can find the new tax forms in your community for free atPost officesLibrariesIRS Taxpayer Assistance CentersState Tax FormsDownload your state's tax forms and instructions for free.Tax Filing DeadlinesThe Internal Revenue Service (IRS) began accepting and processing federal tax returns for tax year 2018 on January 28, 2019. The deadline to file federal taxes for most taxpayers is April 15, 2019, unless you file for an extension. If you live in Maine or Massachusetts, you have until April 17, 2019, to complete your return.Federal and state taxes usually have the same filing deadlines. Find out the tax filing due dates in your state. If you do not file and pay your taxes on time, you will be charged interest and a late payment penalty. For taxpayers due a refund, there is no penalty for filing a late return.Tax Filing and Payment HelpLearn how to file a federal income tax return.File online or find the address for mailing your paper return. To find out how to mail your tax return, get tips and information from the U.S. Postal Service (USPS).Explore free online tools from the IRS and special programs for qualifying taxpayers.Learn about your payment options if you owe money. If the IRS owes you money, you can choose to receive your tax refund by direct deposit, U.S. Series I Savings Bonds, or paper check.Extension to File Your Tax ReturnIf you are unable to file your federal income tax return by the due date, you may be able to get an extension from the Internal Revenue Service (IRS). This does not grant you more time to pay your taxes.You may be able to get an automatic six-month extension to file your return. To do so, you must file IRS Form 4868, Application for Automatic Extension of Time To File U.S. Individual Income Tax Return (PDF, Download Adobe Reader) by the due date for filing your calendar year return (usually April 15) or fiscal year return. For a Spanish version of this form, download IRS Form 4868sp (PDF, Download Adobe Reader).Special rules may apply if you are:Living outside the United StatesOut of the country when your six-month extension expiresLiving in a combat zone or a qualified hazardous areaGet tax filing information, including guidelines on extensions of time to file.Get Your W-2 Before Tax TimeThe Wage and Tax Statement, known as a W-2 form, is an important document to have at tax time. This form shows the income you earned for the year and the taxes withheld from those earnings. If you have had several jobs over the year, you may have several W-2 forms to file your tax return. Employers must send you your W-2 by January 31 for the earnings from the previous calendar year of work.The Internal Revenue Service (IRS) offers advice on what to do if you were an employee and haven't received your W-2by January 31 or if the information is incorrect. Employers that have questions about filing W-2 forms for employees can check these resources on where, when, and how to file from the IRS.For more information, contact the IRS. Wait times to speak with a representative may be long.1099 Income StatementsBusinesses and government agencies use Form 1099 to report various types of income other than wages, salaries, and tips to the Internal Revenue Service (IRS).Common types of Form 1099 include1099-MISC for contracting and freelance work, gambling and prize winnings, and more1099-INT for bank account interest1099-DIV for investment distributions and dividends1099-R for retirement account distributions from 401(k) accounts, IRAs, Thrift Savings Plans, annuities, and pensions1099-S for real estate sales incomeEvery business or agency mustComplete a Form 1099 for each transactionRetain a copy for its recordsSend a copy to you and to the IRS. You should have received your copy by early February (or mid-February for Form 1099-B).You must include this income on your federal tax return.Incorrect or Missing Form 1099If you do not agree with the information contained in your Form 1099, contact the business or federal agency that issued it.If you did not receive your Form 1099, contact the business or federal agency that should have issued it.Contact the IRSIf you requested Form 1099 from a business or agency and did not receive it, contact the IRS. Wait times to speak with a representative may be long.Check Your Tax WithholdingWithholding is the amount of income tax your employer pays on your behalf from your paycheck. Keep in mind, the new tax law has changed tax rates, credits, and deductions, and could affect your withholding. If you don’t withhold enough tax, you could face a penalty.Use the IRS Withholding Calculator to estimate your 2019 income tax and compare it with your current withholding. You’ll need your most recent pay stubs and income tax return.The results from the calculator can help you figure out if you need to fill out a new Form W-4 (PDF, Download Adobe Reader) for your employer or make an estimated tax payment to the IRS before the end of the year.Filing Tax Returns When Living AbroadWho FilesU.S. citizens or resident aliens (Green Card holders) living abroad must pay U.S. income tax on their worldwide income.The rules for filing tax returns, paying estimated taxes, or estate taxes are generally the same whether you are in the U.S. or abroad. Get information for taxpayers living abroad.How to FileAs a resident alien or U.S. citizen living abroad, you can use the same forms (1040, 1040A or 1040EZ) as people living in the U.S. to file your taxes.The amounts you report on your U.S. tax return must be in U.S. dollars. Learn more about filing requirements.When to FileAs a taxpayer living outside the U.S., you are allowed a two-month extension. Get more information about your filing date.Learn more about the rules for getting a two-month extension.Where to FileIf you’re living outside the U.S., you can mail your return or use e-file.Learn where to mail your return if you are expecting a refund or if you owe money to the IRS.Where to Get Tax Preparation Help While Living AbroadTaxpayer service is no longer available at foreign posts of duty. Instead, use the International Taxpayer Service Call Center.Find More Resources for Taxpayers Living AbroadUse the list of frequently asked questions (FAQs) about international individual tax matters or search by international tax topic.Find a list of tax FAQs especially for resident aliens.Use the international taxpayers interactive tools for general tax questions.If you owe money to the IRS but do not have a U.S. bank account to send a check, you may be able to use a debit or credit card.Nonresidents Filing Tax Returns in the U.S.Who FilesYou will need to file a U.S. tax return depending on your:Source of U.S. incomeTax filing statusReview this list of five situations to learn more about who must file.How to FileYou will need an individual taxpayer identification number (ITIN) or Social Security number (SSN). The IRS will issue an ITIN if a foreign national is not eligible for an SSN for tax reporting purposes. Learn more about getting an ITIN for federal tax reporting.You can use form 1040NR to file a tax return.Review the specific filing requirements if you are a foreign exchange student or visiting scholar.If you are on a J-1 visa working as an au pair, you may need to file estimated taxes using form 1040ES-NR.If you can’t file your return by the due date, use form 4868.Find More ResourcesReview the tax treaty information between the U.S. and your country. In some cases, your taxable amount may be lower.If you are a foreign student, use this reference guide to learn more about the special rules that apply to your U.S. income including your liability for Social Security and Medicare taxes.Learn more from the most recent version of the U.S. Tax Guide for Aliens.Do you need help?Ask us any question about the U.S. government for free. We'll get you the answer or tell you where to find it.Call USA.govChat with USA.govLast Updated: March 28, 2019