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This may require you to complete your income tax return early. Failing to list schools properly. The order in which you list the schools doesn't matter when applying for federal student aid. But if you're also applying for state aid, it's important to know that different rules may apply. For example, some states require you to list schools in a specified order. This is true regardless of which parent claims the child as a dependent on his or her tax return. The rule provides a significant planning opportunity if one spouse is substantially wealthier than the other.
For example, if the child lives with the less affluent spouse for days and with the other spouse for days, the less affluent spouse would file the FAFSA, improving eligibility for financial aid. These are just a few examples of financial aid pitfalls. Let us help you navigate the process and explore other ways to finance college. To be deductible on your return, a charitable donation must be made by December 31, Is it the date you write a check or charge an online gift to your credit card? Or is it the date the charity actually receives the funds?
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Watch out for reinvested distributions Many investors elect to have their distributions automatically reinvested in their funds. Reinvested distributions increase your tax basis in a fund, so track your basis carefully. Fortunately, under current rules, mutual fund companies are required to track your basis for you. But you still may need to track your basis in funds you owned before when this requirement took effect, or if you purchased units in the fund outside of the current broker holding your units. Do your due Tax considerations should never be the primary driver of your investment decisions. Directing tax-inefficient funds into nontaxable accounts If you invest in actively managed or other tax-inefficient funds, ideally you should put these holdings in nontaxable accounts, such as a traditional IRA or k.
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To help simplify matters, here are five keys to disaster planning that everyone should consider: Make sure your policy covers flood, wind and other damage possible in your region and that its dollar amount is adequate to cover replacement costs. Also review your life and disability insurance. Create a list of your bank accounts, titles, deeds, mortgages, home equity loans, investments and tax records. Inventory physical assets not only in writing including brand names and model and serial numbersbut also by photographing or videoing them.
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It includes winnings from casinos, horse races, lotteries and raffles, as well as any cash or prizes appraised at fair market value from contests. If you participate in any of these activities, you must report such winnings as income on your federal return. You may also take an itemized deduction for gambling losses, but the deduction is limited to the amount of winnings. The information from these forms needs to be included on your tax return. If you gamble often and actively, you might qualify as a professional gambler, which comes with tax benefits: It allows you to deduct not only losses, but also wagering-related business expenses — such as transportation, meals and entertainment, tournament and casino admissions, and applicable website and magazine subscriptions.
The agency looks at a list of nonexclusive factors when making this determination, including: We can help you manage the tax impact. This is known as incurring a net operating loss NOL. In such cases, companies or their owners may be able to snatch some tax relief from this revenue defeat. Doing a little bit of both. A corporation or individual must carry back an NOL to the two years before the year it incurred the loss. But the carryback period may be increased to three years if a casualty or theft causes the NOL, or if you have a qualified small business and the loss is in a presidentially declared disaster area. The carryforward period is a maximum of 20 years. Direction of travel You must first carry back losses to the earliest tax year for which you qualify, depending on which carryback period applies.
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