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"sharing": {}, "sort": 4, "forum": "consumerismcommentary", "is_initial_load": true, "is_authenticated": false, "timestamp": "2009-11-28_23:24:14", "remote_domain": "", "page": 1, "is_moderator": false, "display_username": "", "points": null, "subscribe_on_post": 2, "moderator_can_edit": false, "is_remote": false, "is_verified": false, "missing_perm": null}, "realtime_paused": false, "posts": {"21693480": {"up_voted": false, "ip": "", "has_replies": false, "message": "what if your unemployed am I still Eligible for the 8,000?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-11-02_14:45:34", "killed": false, "user_key": "f4c0f71bd853f6ff0e0589b13f28ea63", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/02/2009 02:45 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "22142668": {"up_voted": false, "ip": "", "has_replies": true, "message": "we are building a beach house on the land we have owned for 16 yrs.it will be complete around the end of nov/beginning of december.  our house was destroyed in ike, we have not bought a house in the past 3 years, live overseas, and would only use this new house approx. 2 months every year.. would we qualify for a credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-11-07_14:44:16", "killed": false, "user_key": "67d44e42e08cd1aa39d9da774fc9c082", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/07/2009 02:44 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "22696891": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you only use it two months of each year, it is not your primary residence.  You would need to live there most of the time for 3 years to qualify.  I don't know what the cutoff is, but it would have to be more than half the time at least.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-11-11_04:04:43", "killed": false, "user_key": "b86a7af9396ef34d152f3e5564a04e3f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/11/2009 04:04 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 22142668, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "22546723": {"up_voted": false, "ip": "", "has_replies": false, "message": "i purchased a house on 5/29/09 (closed date). i filed for amended tax for the $8000 credit. they said they recieved it on 6/12/09. here it is 11/10/09 and still haven't recieved it. i s/w someone and they said they didn't know why i haven't recieved it yet. she said she would contact the processing center. what could be the problem? i was a day late last month, i hope that wasn't it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-11-10_10:10:36", "killed": false, "user_key": "cc50244134d723c8350013f20db85a72", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/10/2009 10:10 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21359466": {"up_voted": false, "ip": "", "has_replies": false, "message": "The 7500 you will have to payback. If you bought the house in 2009, the 8000 is a US tax payers gift to you with no payback", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-10-30_12:22:04", "killed": false, "user_key": "a9523b270e1d81fe7fb024160c91b9a8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/30/2009 12:22 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319091, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318830": {"up_voted": false, "ip": "", "has_replies": true, "message": "thanks for the updates, good information to know!  <br><br>I do feel bad for those who bought last year though, and who won't just get the credit - and instead will have to pay it back. Oh well, i guess life isn't fair!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_13:10:16", "killed": false, "user_key": "e9875bb06ae5f8fabb6fec4e8e209a59", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/25/2009 01:10 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 1, "author_is_creator": false, "is_realtime": false}, "21318831": {"up_voted": false, "ip": "", "has_replies": false, "message": "Peter: That's true. People who purchased in 2008 thought they were getting a good deal. You can never know if a better deal is coming down the pike. It's best to buy a house when you need to buy a house. A small tax credit (or loan), while helpful, probably shouldn't be the driving force behind the decision.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_13:28:21", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "02/25/2009 01:28 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318832": {"up_voted": false, "ip": "", "has_replies": true, "message": "Does it completely expire in Nov. or is there any talk of extending it?  I ask b/c I'm planning on buying a new home in June 2010 (saving for the right down payment now). 8,000 could go a long way towards helping.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_14:10:35", "killed": false, "user_key": "1cfdbafab5f66488556b835282d33a3e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/25/2009 02:10 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 1, "author_is_creator": false, "is_realtime": false}, "21318833": {"up_voted": false, "ip": "", "has_replies": false, "message": "I don't think there's any talk right now of extending it because it was just signed into law, but laws can and will be changed.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_14:17:44", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "02/25/2009 02:17 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318832, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318834": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks for the advice. Answered a few questions I was looking for. <br><br>Closing on a home April 1st, so should be just in time.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_15:27:07", "killed": false, "user_key": "cf16e8b683f79267d66ef20edc4e48da", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/25/2009 03:27 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318835": {"up_voted": false, "ip": "", "has_replies": true, "message": "Thank for sharing this info..... I own the house with other couple (married). We are joint tenancy, so do you have any idea how to allocate this credit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_16:29:13", "killed": false, "user_key": "956cd3ccb5519e20b684638e3f1e1b79", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/25/2009 04:29 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318836": {"up_voted": false, "ip": "", "has_replies": false, "message": "For joint tenancy, the credit should be claimed in proportion to each owner's share in the residence. Best way to do that, as far as I can tell, is take the purchase price and split it according to your ownership percentage, but check with your tax professional.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-25_16:39:23", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "02/25/2009 04:39 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318835, "depth": 1, "points": 1, "author_is_creator": true, "is_realtime": false}, "21318837": {"up_voted": false, "ip": "", "has_replies": true, "message": "My husband and I closed on our house 3/28/08. Our accountant says that we missed the first deal by 12 days. Grrrr!!! We are getting ready to refinance our house because the interest rates have dropped so much. Will this then qualify us or are we just S.O.L.?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_13:14:07", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/26/2009 01:14 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318838": {"up_voted": false, "ip": "", "has_replies": false, "message": "Lisa: Unfortunately, you can't qualify for the credit with a refinance.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_13:27:13", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "02/26/2009 01:27 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318837, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318839": {"up_voted": false, "ip": "", "has_replies": true, "message": "Do you know if our mortgage banker or realator would have known about the $7500 tax credit where they could have informed us to wait 12 stinkin' days?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_13:30:38", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/26/2009 01:30 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318840": {"up_voted": false, "ip": "", "has_replies": true, "message": "It's likely they wouldn't have known about it in March 2008. The $7,500 credit was signed into law in July 2008.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_13:39:46", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "02/26/2009 01:39 PM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21318839, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318841": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, that takes a little bit of the sting out of the whole situation! You've been quite helpful. Thanks a bunch!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_13:42:56", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/26/2009 01:42 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318842": {"up_voted": false, "ip": "", "has_replies": false, "message": "Two questions: We're building our own place on land we've owed for a couple of years.  If we can get a certificate of occupancy by the deadline, do we qualify?  We're building it ourselves, not using a contractor.  <br><br>And since it probably 1) will be valued at slightly less than $80,000, and 2) won't be appraised at all right away, how would be know how much of a credit to claim?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-26_15:10:11", "killed": false, "user_key": "486e4f0bdc7a4aacb4f67a481cb212d3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/26/2009 03:10 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318843": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband and I are building a home too. We started building in Oct. 2007 and moved in in Oct. 2008, although the house is not done yet. What do you use as the date to qualify for the tax credit? Our house has not yet been appraised, because we are waiting to it finished (we are building ourselves).", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-27_17:33:21", "killed": false, "user_key": "d9d16b19934d887ebd5efe030f0190cd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 05:33 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318844": {"up_voted": false, "ip": "", "has_replies": true, "message": "Just one question, what is the cut off date if we buy a home this year to amend our taxes that we have already filed for 08. For instance if we buy a home on April 25 can we still amend or does it have to be before the 15th?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-03_22:43:07", "killed": false, "user_key": "52fbce381360fdb43cc1bb05a634292f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/03/2009 10:43 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318845": {"up_voted": false, "ip": "", "has_replies": true, "message": "Andrew: November 30 is currently the last day you can buy a house this year to qualify for the $8,000 (maximum) credit. You can file an amended return.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-03_22:44:40", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/03/2009 10:44 PM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21318844, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318846": {"up_voted": false, "ip": "", "has_replies": true, "message": "I qualify for the $8,000 credit.  I used TaxAct Free Edition e-file on 3/3/09 and just received an email from TaxAct stating my return had been \"rejected by the IRS\" because the IRS is not yet allowing the first-time homebuyer credit of $8000 to be electronically filed.  <br>Needless to say, I am a bit pissed that I spent time filing with TaxAct and now they tell me this after the fact.  I am astounded at how uninformed all of these tax preparation/tax filing services are.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_08:25:26", "killed": false, "user_key": "199579ff031c2cd47070c3139b61c5bc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 08:25 AM", "approved": true, "num_replies": 4, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318847": {"up_voted": false, "ip": "", "has_replies": true, "message": "We closed on a property on April 18 2008 and were able to get the tax credit of 7500.00, or I should say interest free loan.  I must say I am thankful for this opportunity.  However, I am looking into purchasing a Business/Apartment building in tax year 2009, and was curious if I could also cash in on the 2009 house tax credit?  Thank you", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_10:20:20", "killed": false, "user_key": "8746871193c60f52750fc964631be631", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 10:20 AM", "approved": true, "num_replies": 5, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318848": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi Jems:<br><br>Unfortunately, the IRS only allows you one bite at the apple.  If you have claimed the 7500 credit, you cannot receive the 8000 credit.  Sorry.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_13:04:35", "killed": false, "user_key": "43876599693aab07cccc43346ee3db87", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 01:04 PM", "approved": true, "num_replies": 4, "is_first_child": true, "email": "", "parent_post_id": 21318847, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318849": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you purchased your house in 2009 and have already claimed the $7500 credit you can file an amended return and get the $8000 credit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_18:20:09", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 06:20 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318848, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318851": {"up_voted": false, "ip": "", "has_replies": true, "message": "That response is a little hard to interpret.<br><br>One reason you can't get the 8000 credit is because you're buying a business/apartment building.  The credit is for a HOUSE.<br><br>Even if it were a house, you already bought one in April of 2008, so it wouldn't be a first-time home.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_18:21:17", "killed": false, "user_key": "2677bfb3ab0e82b5d4b691de65b20149", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 06:21 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": 21318848, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318852": {"up_voted": false, "ip": "", "has_replies": true, "message": "Sorry.  I also forgot to mention, for those who actually do qualify for the 8000, but already accepted the 7500 credit... you CAN file an amended return for the 8000.  So don't think just because you already accepted one, you can't get the other INSTEAD.<br><br>Remember, you have to buy a main HOUSE without ever owning one in the last 3 years and it has to be purchased from December 1, 2008 to December 1, 2009.<br><br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-04_18:24:01", "killed": false, "user_key": "2677bfb3ab0e82b5d4b691de65b20149", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2009 06:24 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318851, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318853": {"up_voted": false, "ip": "", "has_replies": false, "message": "I signed on a refinance on my mother's home about two years ago... now my wife and I want to purchase a house this year does that mean I don't qualify for the first home buyer tax credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-05_00:34:04", "killed": false, "user_key": "86b405fe1c154e6e04198cac78653f41", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/05/2009 12:34 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318854": {"up_voted": false, "ip": "", "has_replies": true, "message": "I had the same exact problem!  Is TaxAct going to charge us again to submit our taxes?  They should have told us before we submitted the revised 5405 that it's not be accepted yet. Also, how will we know when we can e-file this?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-05_18:49:15", "killed": false, "user_key": "f41aeeddf153444fadc19217edfc9ae4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/05/2009 06:49 PM", "approved": true, "num_replies": 3, "is_first_child": true, "email": "", "parent_post_id": 21318846, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318855": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am still confused...a couple of tax preparers have told me that I can't take the credit on my 2008 return, even though I plan to buy a home this year before Nov. 30. But IRS website says that the new version of the credit is designed to put money in homebuyers' hands right now. Help me understand please. I know it may sound like a dumb question but I was always told in school that there are no dumb questions : ). Thanks in advance.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-07_15:49:45", "killed": false, "user_key": "8ec6c2f6a6bd5b6df3747a6590936cf4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/07/2009 03:49 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318856": {"up_voted": false, "ip": "", "has_replies": false, "message": "I HEARD THAT ANYONE WHO HAS NOT OWNED A HOME FOR THREE<br>YEARS WILL ALSO QUALIFY FOR THE INCENTIVE IF A HOME IS PURCHASED.<br>ALSO, A TAX CREDIT FOR THE PURCHASE OF A NEW CAR. DOES IT HAVE TO BE AMERICAN MADE?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-07_19:28:50", "killed": false, "user_key": "29812b3a12c55793f3195ea369cd8078", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/07/2009 07:28 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318857": {"up_voted": false, "ip": "", "has_replies": true, "message": "I've contacted Tax Act.  You don't get charged until your E-file has been \"accepted\" by the IRS.  If it was rejected due to the $8000 First Time Home Buyer Credit, you will not be charged.  I am going through the exact problem.  I just wish we could find out WHEN the IRS is going to get their act together!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-07_21:24:10", "killed": false, "user_key": "85e01c4477728256cf6a3bdff95ee5a0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/07/2009 09:24 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": 21318854, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318858": {"up_voted": false, "ip": "", "has_replies": false, "message": "The tax preparers are correct. You can't take the credit if you only *plan* to a buy a house. The house has to be purchased by the date you file. You can file for an extension on your tax return, which would give you time to buy your house before the November 30 qualification deadline.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-07_22:43:52", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/07/2009 10:43 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318855, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318859": {"up_voted": false, "ip": "", "has_replies": true, "message": "My wife and I bought our house in early 2009, and we're filing for the $8,000 tax credit on our 2008 taxes. Our return (Through TaxAct) was rejected like the other posters above, because the IRS isn't accepting eFiles with $8,000 credits in them yet.<br><br>The note from TaxAct says that it will be roughly two weeks until the IRS updates it's system to accept eFile-d returns with the $8,000 credit.  We got the rejection on March 1, so we're hoping things will be cleared up by next weekend (March 14-15). <br><br>Is there a page on the IRS website that will tell us when we will be able to resubmit our 2008 taxes? Or, should we continue checking the TaxAct website, looking for a re-submit button?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-09_00:23:53", "killed": false, "user_key": "17e40459b1383948a0fcf35e67ad772c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/09/2009 12:23 AM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318860": {"up_voted": false, "ip": "", "has_replies": true, "message": "Okay we are in the process of buying a house.  We have already filed our taxes and got our return are we eligible for the $8K tax stimulas credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-09_22:04:29", "killed": false, "user_key": "b429b163a5e56c097e323a9469bc83d8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/09/2009 10:04 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318861": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you qualify as a first time home buyer, if your income level doesn't disqualify you, and if you complete the purchase and move in by November 30, you will need to file an amended 2008 tax return.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-09_22:28:14", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/09/2009 10:28 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318860, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318862": {"up_voted": false, "ip": "", "has_replies": true, "message": "Just had the same problem with TaxAct e-file yesterday (March 9th); got the rejection notice this morning (March 10th). Notice says that the IRS has given an estimated timeframe of resolution as \"the next two weeks\", which is uncomfortably vague. I called the IRS to gauge whether filing a paper return would be a better option, but the rep was noncommittal, just saying that a paper return with direct deposit is six weeks maximum.<br><br>I would hate to wait two weeks for to e-file, only to be told it will be another two weeks for the problem to be fixed, when I could have gotten the ball rolling on a paper return. This sucks...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_09:01:20", "killed": false, "user_key": "0349b7e2dbbbea64764a3ce057655af5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 09:01 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318857, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318863": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi, <br><br>I have never purchased a house before, however my boyfriend has owned previously and sold his house in 2007.  So, it has not been 3 years.  He makes over the $75,000 threshold, I make less than $75,000.  If we purchase the house together, will I be able to claim the house alone and get the credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_10:44:10", "killed": false, "user_key": "4dda7e18a10bd74ce5921d719b0eabaa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 10:44 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318864": {"up_voted": false, "ip": "", "has_replies": false, "message": "One simple question. Does the tax credit apply only if I buy an existing house or will I be eligible if i build a new house?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_18:39:18", "killed": false, "user_key": "968334468ab939112432aaa92dc8a8c6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 06:39 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318865": {"up_voted": false, "ip": "", "has_replies": false, "message": "From what I have read you would be eligible if you built the house and moved in before Nov. 30, 2009", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_18:46:58", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 06:46 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318866": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just file the $7500 current credit and then file an amended return later. That way you are only waiting for the additional $500.00.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_18:49:53", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 06:49 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318859, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318867": {"up_voted": false, "ip": "", "has_replies": false, "message": "A few years ago my mother add my name to the deed of her house and property. Did doing so make me part owner and exempt me from the tax credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_19:18:01", "killed": false, "user_key": "968334468ab939112432aaa92dc8a8c6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 07:18 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318868": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am buying a home and closing on May 15th.  My mortgage person and real estate agent believe that there is a cut off date of March 31st for being able to amend your return to get the tax credit.  <br><br>I checked with Turbo Tax and there is no mention of a cutoff date that the home must be purchased by the 31st, so I sent away the amended return.  I would have thought that Turbo Tax would have stopped me when I put in the date of when the home was purchased (May 15, 2009).  I am really confused.  Do I qualify or am I out of luck?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_00:19:48", "killed": false, "user_key": "3bd0d6597f7d9503c825e585790f64ed", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 12:19 AM", "approved": true, "num_replies": 7, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318869": {"up_voted": false, "ip": "", "has_replies": true, "message": "March 31 is not the correct cut-off date. Homes purchased this year before or on November 30 qualify for the $8,000 tax credit *but* you can't put a future date on the form. If you file your taxes now, you will have to file an amended return *after* you buy the house. Or you can file for an extension now. From what I understand the IRS is not yet accepting tax returns for people claiming the $8,000 through online services like TurboTax yet anyway.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_00:34:23", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/11/2009 12:34 AM", "approved": true, "num_replies": 6, "is_first_child": true, "email": "", "parent_post_id": 21318868, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318870": {"up_voted": false, "ip": "", "has_replies": true, "message": "I was told that you have to file the ammendment by April 15th to get the credit this year, like a normal tax return. If filed after that, they may not accept it or give the money back till next year.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_10:59:23", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 10:59 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318845, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318871": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you normally file your taxes separately and it is your name only on the deed, then I would guess yes.  If both names are on the deed or you file together, then probably not.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:01:14", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 11:01 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318863, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318872": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jessica: There is no indication in the law that you have to file an amended return by April 15 in order to qualify for the credit. File by April 15 to avoid a penalty, or file for an extension. You can file an amended return at any time, and the rules don't change. Check with your tax professional.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:03:11", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/11/2009 11:03 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318870, "depth": 3, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318873": {"up_voted": false, "ip": "", "has_replies": true, "message": "I need help - my husband and I closed on our first home on March 5th, 2009.  I had already filed my return so I was told to do the ammeded return and to use the revised 5405 form. Ok that's easy, no problem. But then the actual 1040X ammendment form is not so simple. Everytime I input everything they ask it never amounts to me getting back the 8000, and we are below the threshold, so I don't understand...do I need to fill out this form? It says subtract this and put difference here but not less than 0...if I put in the actual amount it would be less than 0 and I think then it would add up but as of right now it is not. It is confusing me a bit. I file my own taxes every year and am a Realtor, but have never done an ammendment...I just can't bear to give someone 80$ to fill out one sheet of paper, I am going to need every cent of that money to do updates to this house... has anyone else done the ammendment themselves yet for this particular situation/credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:06:06", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 11:06 AM", "approved": true, "num_replies": 6, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318874": {"up_voted": false, "ip": "", "has_replies": true, "message": "No, the cuttoff is April 15 per my lender to ammend your taxes for This year. The cuttoff for the credit in general is Nov 30th or something like that, but after April 15th you have to claim it on your 2009 taxes, not 2008. This is what I was told and it makes sense since taxes are due by April 15th.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:07:40", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 11:07 AM", "approved": true, "num_replies": 5, "is_first_child": false, "email": "", "parent_post_id": 21318869, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318875": {"up_voted": false, "ip": "", "has_replies": false, "message": "As far as filing an extension, that may work to be able to claim it this year, but I would ask a tax professional just to make sure.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:09:03", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 11:09 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318874, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318876": {"up_voted": false, "ip": "", "has_replies": true, "message": "Amended returns only need to be filed before April 15 if they would result in owing more taxes to the government, and in that case, the only thing that will happen is you will be charged a penalty as a percentage of the additional amount you owe. You can still avoid that penalty by paying the additional tax before April 15, whether you file the amended return by then or not. You can file amended tax returns for several years.<br><br>If you're expecting that your amended return would result in a larger refund, as in your case, it's actually better to wait until after you've received your first refund. That gives the IRS a lesser chance of sending the incorrect amount. Yes, the IRS can make mistakes, too!<br><br>As always, check with a tax professional, particularly one who is familiar with the $8,000 tax credit for first-time home buyers. There seems to still be a lot of misinformation out there.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_11:23:35", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/11/2009 11:23 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318874, "depth": 3, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318877": {"up_voted": false, "ip": "", "has_replies": true, "message": "I had no idea you could get the credit on 2008 taxes. My wife and I close on our house on Friday. We thought we'd have to go through the rest of 2009 with our savings depleted from the home purchase. This info will help us out tremendously. Looking forward to filing the amended tax return tonight. Thanks Flexo!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_12:22:02", "killed": false, "user_key": "c4faae3d43a20248a51b17bef1f28ac7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 12:22 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318880": {"up_voted": false, "ip": "", "has_replies": false, "message": "I didn't know either until I was sitting at the closing table. It will take around 8 weeks to get it probably, but I know, I'm in the same situation, just spent 6 grand, I'll probably just put the 8 grand into savings for now as emergency fund and let it earn interest...my husband's job is secure, but in this economy things can change unexpectedly and quickly, so just in case its better to be safe than sorry. I have several friends who have lost their homes this year due to job losses in our area (East TN) and here I am buying! But you know, we worked very hard for several years to get to this place and I wasn't about to pass up the opportunity to buy a house I've walked by and loved for years and years.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_13:34:36", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 01:34 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318877, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318881": {"up_voted": false, "ip": "", "has_replies": false, "message": "Ahhh, I see. well like I said that was just what was told to me, when she said I could ammend she said I had to do it by April 15th but yeah, I just ammended my 2007 return for money I forgot to claim, but see this year we will be over the threshold. We were only like 250.00 under it this year and that's why I want to claim it in 2008. Anyway, I stand corrected.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_13:38:42", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 01:38 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318876, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318882": {"up_voted": false, "ip": "", "has_replies": true, "message": "nevermind I figured it out. So I am going to attach a copy of my HUD as proof, since I'm doing this myself and don't have a tax person doing it. Hopefully that, the ammended 1040X and the 5405 are all I need to send and I'll be good to go. I just had to send them a check for 277 for an ammended 2007 return, so this is much more exciting!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_13:44:55", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 01:44 PM", "approved": true, "num_replies": 5, "is_first_child": true, "email": "", "parent_post_id": 21318873, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318883": {"up_voted": false, "ip": "", "has_replies": true, "message": "Good Advice from a Realtor (who specializes in valuating foreclosed homes for Bank REO's.)<br><br>Put money in savings and don't invest too much in your homes until market stabilizes some, b/c most places do not see a return on them in this market. There are some markets that are doing good, but they are few and far between. Here, typically you see about 4-5 times the number of active comps in any given area compared to the number of sold comps in the last 6 months or even up to a year in some cases. Values have dropped significantly. Remember that irresponsible buyers combined with unexpected layoffs/business closings and Crappy ARM loans caused this!!! (make sure you are getting a fixed rate loan and make sure your rate is locked in!! Research rates and typical closing costs and be an informed buyer! Listen to your Realtor and of course use one! :) but confirm things and get at least 2 lender quotes.) <br>Oh and prepare for the unexpected. Get a home warranty and definitely get a home inspection.  Ok I think those are the most important rules.<br>Anyway, Good luck and congrats to all the new or soon to be homeowners!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_13:52:32", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 01:52 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318884": {"up_voted": false, "ip": "", "has_replies": false, "message": "Good advice there, thanks for sharing!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_13:55:37", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/11/2009 01:55 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318883, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318885": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi Jessica,<br><br>I'm on the same boat as you are. I have both the 1040X and 5405 forms, but have no clue on how to include the $8000. I made an appointment with a tax person tomorrow, but I rather not if it's simple.<br><br>Please help.<br><br>Thanks,<br><br>Ethel", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_17:29:52", "killed": false, "user_key": "a53a67f83090c4e64aa5183408ab51a1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 05:29 PM", "approved": true, "num_replies": 4, "is_first_child": false, "email": "", "parent_post_id": 21318882, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318887": {"up_voted": false, "ip": "", "has_replies": true, "message": "Ok, here's what mine looked like... the 5405 was easy for me, my house was above 80,000 and we were below 75K for income, so basically you just enter your adj gross income from your tax return and the 8000 credit. The 1040X is like this:<br>First of all, make sure yours says (rev. February 2009) at the top under form 1040X. This is the one that includes the form 5405 in the payments section on line 15.  That was one of the biggest mistakes I had made. <br>Enter the info at the top just like it should be, self expanatory. For Income and Deductions, if the only thing you are ammending is this credit, then you can leave this section 1-5 blank.  I opted to fill it out, just enter #'s from your 1040.  actually that's all you do. If you have your 1040, then here's a key to go by:<br>(1040X = line x from 1040)<br>6. = line 44.<br>7. = line 55.<br>8. = difference or line 56.<br>9. = any other taxes on lines 57.-60. I had 0<br>10. = line 61.<br>11. = line 62.<br>12. = line 63.<br>13. = line 64a.<br>14. = line 66. (another mistake I had made was I put the child tax credit here instead of on line 7.)<br>**15. = line 68.  BUT this is where you put 0 on the first line (if you didn't receive any of the listed credits) then put the 8000 on line b and 8000 again on line c if you are claiming the whole 8000. This should be the only line that has a change up to this point if this is the only thing you need to ammend. Every number before 15. should have a 0 in the middle column and columns a and c are the same numbers.<br>16. = line 67.<br>17. = any $ you had to pay in when you filed. If you got a tax return this should be 0.<br>18. = Add lines 11-17. on the ammendment form. <br>19. = Amount of your refund from this years return if you received one.<br>20. = subtract 19 from 18.  (18.-19.)<br>21. = probably 0<br>22. = If line 10 column c is less than line 20., enter the difference. This should equal 8000 if you filled out everything correctly. <br>23. = 8000 if you want it all refunded to you...<br><br>Ok I know it looks confusing, but if you take it one line at a time and have your 1040 in front of you and the attached instructions for the ammendment form onhand, its not hard. The most important thing is to make sure you don't change anything from the tax return other than that credit on line 15.<br><br>Also, I'm sending a copy of my HUD with it and the 5405 as proof of the sale...  I hope this helps! Ask me if you have a specific question and I'll see if I can explain it better.<br><br><br>6. = line 44.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_18:29:31", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 06:29 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": 21318885, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318888": {"up_voted": false, "ip": "", "has_replies": false, "message": "MY HUSBAND &amp; I JUST BOUGHT A HOME ON 1/15/09, WE ALREADY DID OUR TAXES WHEN WE AMMEND THEM AND FILL OUT THE FORM 5405 WHAT PAPERWORK REGARDING THE HOME DO WE HAVE TO SUBMIT WITH THE FORM FOR PROOF OF BUYING, IT DOESNT SAY ANYTHING IN THEIR INSTRUCTIONS!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_09:08:07", "killed": false, "user_key": "e47afa32967a4c07261e8acd62d1f48c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 09:08 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318852, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318890": {"up_voted": false, "ip": "", "has_replies": true, "message": "I was watching a recent episode of the Today Show which featured a woman who was talking about the new home buyer's credit.  She was saying that the $8000 can be applied as a downpayment.  I have seen no other assertion of this anywhere but if true would greatly speed up my purchase this year.  I downloaded the 5405 form and it appears to require an address of a qualifying home but line three seems vague to me.  If anyone has any thoughts on this I would appreciate it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_10:27:08", "killed": false, "user_key": "289a4d59ff8d19379407b2eff6dd7008", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 10:27 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318891": {"up_voted": false, "ip": "", "has_replies": false, "message": "You will be able to e-file on March 31st!  See the below <br>info that I got from <a href=\"http://TaxAct.com\" rel=\"nofollow\">TaxAct.com</a><br><br>UPDATE 3/11/09 The IRS has issued a statement that returns with Form 5405 claiming the First-Time Homebuyer Credit of $8,000 for homes bought in 2009, will be accepted electronically at the end of March. Please resubmit your return on Monday, March 30, 2009 after 6:00pm CST.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_11:13:17", "killed": false, "user_key": "f41aeeddf153444fadc19217edfc9ae4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 11:13 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318862, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318892": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi, Im a little confused.....I purchased a home after high school (2001) in my maiden name, married in 2005, sold my home in 2008 and my husband and I have now built a home and closed 2/1/2009, the home is now in both our names Does this mean we qualify for the 8000. tax credit or not? I wasnt sure if because he was a first time home owner or because we now are married tax payers and this would be our first home as a married couple if we qualified?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_16:27:12", "killed": false, "user_key": "2e7e95cf3899b617ae5d3b994cb6d0d7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 04:27 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318893": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have not heard this. It takes 8 weeks to get it back, I guess it would require your lender to allow the funds to come back later as a down payment or something. I thought you couldn't file for it until you've actually purchased the home. That is why it says date acquired. Date you purchased it.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_18:13:47", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 06:13 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318890, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318894": {"up_voted": false, "ip": "", "has_replies": true, "message": "If you sign purchase agreement in December 2008 for a new home that just began construction and closing will not be until June 2009, does that qualify for $8,000 credit? If so, can it be used on 2008 tax return? If not, does that qualify for $7,500 credit? Also, if requesting direct deposit, does it still take eight weeks to receive it?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_09:15:16", "killed": false, "user_key": "7307e57d86dbeaa83d4f056d8a4fcaa2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 09:15 AM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318895": {"up_voted": false, "ip": "", "has_replies": false, "message": "Unfortunately, you would not be eligible for the credit as you were a homeowner in 2008.  To be eligible for the credit, you nor your spouse must not have had an ownership interest in any home for 3 years prior to the date of purchase of an eligible property.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_10:03:24", "killed": false, "user_key": "d6ad55c63d474373b5f89570a15a0bef", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 10:03 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318892, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318896": {"up_voted": false, "ip": "", "has_replies": true, "message": "Your closing date is considered your purchase date on new construction as far as the IRS goes, so if you meet all other eligibility requirements, your June 2009 purchase date would quality you for the $8,000 credit.  You could file an amended return after your regular return to add it to your 2008 tax returns, or wait and claim the credit on your 2009 taxes.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_10:18:37", "killed": false, "user_key": "d6ad55c63d474373b5f89570a15a0bef", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 10:18 AM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21318894, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318897": {"up_voted": false, "ip": "", "has_replies": true, "message": "I just read over the information on the IRS website and it says that for homes that you are having constructed, the \"acquired\" date is the date that you move into the home. Again, this is only for new construction homes.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_10:21:18", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 10:21 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318896, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318898": {"up_voted": false, "ip": "", "has_replies": false, "message": "Yes, I read that the date of your certificate of occupancy serves as the \"acquired\" date for newly-built homes.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_10:36:17", "killed": false, "user_key": "486e4f0bdc7a4aacb4f67a481cb212d3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 10:36 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318897, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318899": {"up_voted": false, "ip": "", "has_replies": false, "message": "Your husband might if he hasn't owned a home in the past 3 years. Check with an accountant. They can tell you for sure.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_10:47:53", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 10:47 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318892, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318900": {"up_voted": false, "ip": "", "has_replies": true, "message": "Can anyone answer the other part of my previous question? \"If not, does that qualify for $7,500 credit? Also, if requesting direct deposit, does it still take eight weeks to receive it?\" Thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_11:00:25", "killed": false, "user_key": "7307e57d86dbeaa83d4f056d8a4fcaa2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 11:00 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318901": {"up_voted": false, "ip": "", "has_replies": true, "message": "Thank you for all the posts above. Very helpful I will wait until March 31st to use TaxAct.<br><br>I didn't see anyone talk about the information on Page 2 of form 5405 \" Amount of the Credit.<br>My Condo was 60K and my income is under 75K.<br><br>I see everyone saying that the credit is equal to 10% of the home price or $8,000 which ever one is less HOWEVER,...<br><br>The instructions on page 2 say \" You are allowed the full amount of the credit if your modified adjustable gross income is $75K or less \"<br><br>To me this says I can get the full $8000 not  just the 10% which to me would be $6000.<br><br>Any comments would be very helpful. Thank You.<br>Mike", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_11:01:57", "killed": false, "user_key": "3b53ed8a3b172866382014f66f6fb0a5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 11:01 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318902": {"up_voted": false, "ip": "", "has_replies": false, "message": "You qualify for the $8000 tax credit. I'm not sure on the time line.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_11:02:45", "killed": false, "user_key": "c7e3bf771203d1bc65ec2aeb091e9998", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 11:02 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318900, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318903": {"up_voted": false, "ip": "", "has_replies": false, "message": "Mike: For you the full amount of the credit is 10% of the purchase price. The instructions on page 2 that you are referring to discuss the phase-out. If you earn over $75k, your full amount ($6k) would be phased out proportionally.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_11:55:22", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/13/2009 11:55 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318901, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318904": {"up_voted": false, "ip": "", "has_replies": true, "message": "Mike, you would qualify for the 8000 credit so forget about the 7500. The credit would be 6000 if your loan was 60,000. The whole you being able to claim the whole allowable refund is the whole allowable 10% or 6000.  No you cannot get it quicker. You can't even claim it on taxcut yet so go ahead and file your taxes now and after you've closed on it or moved in, then you can send in a 1040X and a 5405 to ammend and get the 6000.  You can't file for the credit until you actually have purchased the home because many deals fall through on the day of closing, so obviously they aren't going to give you money until the sale is complete.  As far as the time it takes to receive, I efiled my return and had it electronic drafted but you can't do that with this new credit, so be prepared to wait it out to get that money. I don't know if you have your normal refund electronic deposited if the $8000 will be too, or if they will mail you a check, but either way it will probably take awhile to process, and the electronic deposit would only be a few days quicker than the check in the mail anyway...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-13_14:42:02", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/13/2009 02:42 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318905": {"up_voted": false, "ip": "", "has_replies": false, "message": "If my friend adds my name to his mortgage can I qualify for the credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-14_22:28:38", "killed": false, "user_key": "97af888edbb6ce8cb6115600b19963e5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/14/2009 10:28 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318906": {"up_voted": false, "ip": "", "has_replies": true, "message": "Jessica, Not everything said here was bad but if I were people I would talk to a bank lender, especially if it was a smaller community bank, instead of talking just to a Realtor. That is because a bank wants to develop a relationship beyond the sale of the home. For example, it never hurts to upgrade your home. With some community banks you can even borrow the money upfront and if you do the labor yourself, your \"sweat equity will be counted towards your downpayment. Number two all ARMS are not \"Crappy\" and many times are the right way to go. I have seen many people pay higher costs and PMI because they thought they had to have a fixed rate loan. A banker who cares, and there are those out here like myself who do, will explain the difference and suggest the proper strategy based on your personal situation. It is never a \"one size fits all\" solution. I would never say do not listen to a Realtor or not to go to one, but when it comes to the finance part, consult a banker who would prefer to have a long term relationship with you, not just a one time transaction. I am not saying all Realtors are like this but I have see many who develop relationships with entities who write loans but provide no other financial services to the customer and it ended very bad for the customer. Community bankers have a vested interest for you to succeed.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-16_11:45:47", "killed": false, "user_key": "daa5a95c49ebd2ae9f3492cdf77449f8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2009 11:45 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318883, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318907": {"up_voted": false, "ip": "", "has_replies": false, "message": "...which is why I used a community banker for my home that I just purchased and why I said to speak to at least 2 lenders, because they also have different programs and specialties. Hey, I am not a Realtor who has a professional relationship with ANY lender in terms of referring or whatever.  I do BPO's and that's it, I do not list or sell property.  I am not trying to give advice over a lender's or even say that I know it all, but personally I do 25-30 market valuations monthly for banks, and 90% of the foreclosures are ARM loans, so the way I see it, for most people it is not the best deal, not when you can get a low fixed interest rate that is at least a for sure thing, no hidden charges or penalties or a sudden jump in interest b/c you have 1 late payment. We are talking about people who went from 6% interest rates and $1200/month payments to 12% rates and 2300/month payments after a year or two.  The point is to GO to 2 or more local lenders be it your bank or a mortgage broker, whatever, and personally sit down and talk to them and find out not only who has the best plan for your individual needs, but who you feel like you can trust, because I have been burned in the past and it is possible for them to say one thing and it be another thing completely.  Also, it is always smarter to save your money than spend it unless its a necessity, and considering what my job function is, I do think that I know what I'm talking about as far as investing in your house, and lastly, the entire point of my comment is, EDUCATE yourself. Do not blindly trust Anyone!  In this economy, especially, ugly sides of people can be revealed. Make sure you do your homework and above all, you and your family's current and long term goals/needs are #1 priority.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-16_12:09:06", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2009 12:09 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318906, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318908": {"up_voted": false, "ip": "", "has_replies": false, "message": "You will be able to re-submit on 3/30/09 after 6:00 pm CST.  Check TaxAct's website and you will see it for yourself.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-16_12:46:31", "killed": false, "user_key": "f41aeeddf153444fadc19217edfc9ae4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2009 12:46 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318859, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318909": {"up_voted": false, "ip": "", "has_replies": false, "message": "Do you know if there any kind of organized effort to push for similar retroactive treatment for homeowners who purchased in 2008?<br><br>Those homeowners did not require the extra incentive to purchase (which is what the whole credit issue is about), so why implicitly \"punish\" them for buying early.  I personally know of some buyers that pushed through an expedited closing so that the purchase would occur in 2008 in order to claim the credit on the 2008 return; there was no option to close in 2009 and still claim.<br><br>I'm not looking to debate, I'm just wondering if anyone is aware of anything for such homebuyers to become involved with in an effort to obtain consistent treatment.<br><br>Many thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-16_18:26:43", "killed": false, "user_key": "b7b31361b5ea9a5068332de39c4e7fcc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2009 06:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318910": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am wondering if I can sell my home to my son he would be a first time home buyer and would qualify for the 8000.00  but someone said there is a provision about selling to relatives for the 2009 rebate? Anyone know any info? Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-18_10:32:45", "killed": false, "user_key": "557fac4e791f090ba49acb84d6d314ff", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/18/2009 10:32 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318911": {"up_voted": false, "ip": "", "has_replies": false, "message": "That will not work.  If you are trying to get the 1st time homebuyer credit, you can not have purchased the home from a relative.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-18_11:12:51", "killed": false, "user_key": "f41aeeddf153444fadc19217edfc9ae4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/18/2009 11:12 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318910, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318912": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi Jessica,<br><br><br><br>My husband and I purchased our first home on 3/11/09, after we received our 2008 tax refund. I prepared our taxes myself, and am wary of paying someone else to file an amended return to include with this new credit. Did you file you file an amended paper return or did you file using an online service, such as taxactonline?<br><br><br>Thanks,<br><br><br>Phoenix", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-21_01:14:51", "killed": false, "user_key": "00b7d23bbf20effe68b5f53f427b0f00", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/21/2009 01:14 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318904, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318913": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am interested in purchasing a home in the next couple of months.  My Husband has owned a home within the past 3 years, but I have not.  Does this disqualify me for the credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-23_18:19:50", "killed": false, "user_key": "846f80d15dc12dbcc62597df7e47b836", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/23/2009 06:19 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318914": {"up_voted": false, "ip": "", "has_replies": false, "message": "My wife &amp; I e-filed w/ H&amp;R Block last month and owe the IRS...for math's sake, let's say $1000. We never wrote the check for $1000. So when we go to fill out our 1040X, do we just specify $7000 on line 23 (\"Amount you want refunded to you\")...?? Or should we specify $8000 and assume the IRS knows we still owe $1000 and to send us a $7000 refund. OR should we go ahead and send the $1000 owed, specify $8000 on line 23, and just wait 8-12 weeks for the $8000? We're just looking for some clarification. Thanks in advance!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-23_23:57:40", "killed": false, "user_key": "fe7176b43c767a432ae65061eb0588a8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/23/2009 11:57 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318915": {"up_voted": false, "ip": "", "has_replies": false, "message": "I file 08 taxes in October 09 using Combat Zone Tax Extension (CTZE). I guarantee you I can file after April 15 my 2008 taxes and also get the credit no matter what your tax preparer says", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-24_09:04:17", "killed": false, "user_key": "29eb3c0730a81a022838253cfa9d5ba9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/24/2009 09:04 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318874, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318916": {"up_voted": false, "ip": "", "has_replies": false, "message": "My son is interested in purchasing his first home instead of throwing away his money on rent.  Unfortunately, he has not established enough credit to purchase a home on his own this year.  What if I co-signed for him and have him listed as the owner?  Would he be eligible for the tax credit when he files his tax return for 2009?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-26_11:42:40", "killed": false, "user_key": "11246988673ff08601c30beb1ae7f366", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/26/2009 11:42 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318917": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hey guys,<br><br>Just trying to see if anyone tried to use TacAct yet to file the 08 taxes with the new credit for homes purchased in 2009. I'm waiting until March 31st to try it. Sure hope it works.<br>Mike", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-29_10:25:25", "killed": false, "user_key": "3b53ed8a3b172866382014f66f6fb0a5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/29/2009 10:25 AM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318918": {"up_voted": false, "ip": "", "has_replies": true, "message": "The IRS won't accept returns claiming the new $8,000 tax credit for homes purchased in 2009 until 7:00 pm EDT on Monday, March 30.  I'd suggest waiting until March 31.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-29_10:36:11", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/29/2009 10:36 AM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21318917, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318919": {"up_voted": false, "ip": "", "has_replies": true, "message": "My fiance and I have just gotten our loan and purchased our lot to have the builder start on our home.  They are saying it will be move-in ready by Aug./Sept.  I am unsure as to when we would be getting the refund.  We qualify for the refund, but we won't close on the house until it's finished being build this summer/fall.  Is it possible to get the money early for closing fees etc. or do the send this after you close?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-31_12:46:03", "killed": false, "user_key": "abd40c180c6ca4ce894bdb4e2a61d6dc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/31/2009 12:46 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318920": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am considering buying a home later this year.<br>I made $96k in 2008 and am projected to make $90k in 2009.  Would it make sense to have my employer defer $15k of my income to 2010 so that I can qualify for the full credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-31_14:58:54", "killed": false, "user_key": "1d6d59e8a10e8099f6a8e995196753ba", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/31/2009 02:58 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318921": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have the same exact question. We too bought a land and the contractor has started building it and we hope to get our house by summer. Can someone tell if we can file for the $8000 credit now. We have yet not filed our taxes. TIA", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-31_14:59:25", "killed": false, "user_key": "f0b185e8bee3594e15c7d5f11f86a1d8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/31/2009 02:59 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318919, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318922": {"up_voted": false, "ip": "", "has_replies": false, "message": "We have signed the agreement to buy a home from a reputed home builder. We have paid them a decent amount with the agreement and have the home cost, and all the details in the agreement. But the house will be delivered/closed in fall. Can we file for house credit this year, or do we have to wait until next year to claim the credit. I would really appreciate if someone could help clarify this. Thanks in advance.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-31_15:35:35", "killed": false, "user_key": "b931632c6afb871b1bf55248b2d2b50a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/31/2009 03:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318923": {"up_voted": false, "ip": "", "has_replies": true, "message": "Great page. I have a question. What if you qualify for the $8000.00 tax credit that you don't have to pay back, but you filed your taxes already and took the $7500.00 credit that you do have to pay back. Can your return be amended to change the status of the credit on your records with the IRS so they're not coming for the money in the years to come, as well as to receive the additional $500  ?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-01_17:37:01", "killed": false, "user_key": "2ede8e08b1e54f1db5c4830dca885e4c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/01/2009 05:37 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318924": {"up_voted": false, "ip": "", "has_replies": false, "message": "Yes, my son filed the amended return to receive the $8,000. he had already filed his taxes with the $7500.00. He will not have to pay it back but will have to wait up to 12 weeks for the extra $500.00.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-04-01_19:54:02", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/01/2009 07:54 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318923, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318925": {"up_voted": false, "ip": "", "has_replies": false, "message": "I filed mine on TaxAct yesterday.  Was approved today with no problems.  Yay monies (Though nothing is ever really free)!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-04-06_23:39:03", "killed": false, "user_key": "2ed9fcb1a1626104addf28953da8ef9d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/06/2009 11:39 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318918, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318926": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband and I closed on our house March 31st. We have been working on our taxes for over a week now and turbo tax is still rejecting our $8,000. We were told it could be a problem with using window's vista and should try using window's xp. This is very frustrating and before I enter my information again I would like to get some advise on if it's Window's vista causing the problem, or if they are still not accepting it through EFile. I saw a post earlier saying that TaxAct is accepting the new credit through Efile, so has anyone been accepted yet through Turbotax yet and if so, did you have the same problem before, and if so how'd you fix it?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-07_13:29:17", "killed": false, "user_key": "ac4f6716a82df564d7304eebb4c0eb29", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/07/2009 01:29 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318927": {"up_voted": false, "ip": "", "has_replies": false, "message": "Can you please explain why a married couple where only 1 was a (in past 3 years)homeowner, cannot even claim 1/2 of the Credit, however, an unmarried couple can, in same situation, can claim full credit? My understanding is even if you filed separate returns, being married disqualifies you from the credit. Without proper explaination, this really feels like discrimination. ??? Btw...telling me it is just the way the law was written doesn't float...because the HUD definition of First Time Home owner states if one qualifies, both do.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-09_16:28:19", "killed": false, "user_key": "14160cf21484af10375a18bc9ea732ea", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/09/2009 04:28 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318928": {"up_voted": false, "ip": "", "has_replies": false, "message": "hi,  i bought a house in march 09,i called the place that does my taxes and she said if i filed a amended return for the 08 tax year, that i would only qualify for the 7,500 and i would have to pay it back over the next 15 years, but if i wait until i file on my 09 tax return that i would get the 8,000 and never have to pay it back.but by what i've read myself it seems to me that i would qualify for the full 8,000 no matter if i did a amended or if i waited until i filed my 09 taxes.does anyone know which is correct?please help if you can. thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-10_22:58:57", "killed": false, "user_key": "22cfe6a3e2e6db332eb6e29073a7f978", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/10/2009 10:58 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318929": {"up_voted": false, "ip": "", "has_replies": true, "message": "What happens if you receive the $8,000 &amp; don't end up buying a house?  -JL", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-11_10:26:17", "killed": false, "user_key": "74f41ad0a4934d549be02cccf35b50d5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/11/2009 10:26 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318930": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am going to file 1040X and 5405 to claim for first-time homebuyer credit. Do I have to submit anything else? (for example, a copy of \"buyer final closing statement\", proof of puchase). Thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-11_19:12:35", "killed": false, "user_key": "97d328192c4d687fee3e979287acb64c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/11/2009 07:12 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318931": {"up_voted": false, "ip": "", "has_replies": false, "message": "Can you claim this credit if you purchase a home on a Land Contract?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-13_13:52:00", "killed": false, "user_key": "6dea6e7ac854da0bbfff904f855e90a2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/13/2009 01:52 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318932": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi -- My brother and I are planning to buy a home this year.  The loan will be in my name while the title will have both our names.  This will be my brother's first home and his MAGI will be below the $75k/95k limit.  I will not qualify since I have purchased a home a few years back.<br><br>I combed through Form 5405 and numerous other sites and they all use the term \"purchaser\".   Will my brother be considered a purchaser and qualify for the proportionate amount even though his name is not on the loan (but on the title)?  <br><br>Much thanks for your feedback,<br>Matthew", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-14_13:22:40", "killed": false, "user_key": "c7a82288d38f45e719933883baee3bd4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/14/2009 01:22 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318933": {"up_voted": false, "ip": "", "has_replies": true, "message": "i'm a first time home buyer and will close on a house 29th of may 2009 and tring to figure out how quick can i get the $8000?  the reason i ask is because i was thinking of taking out a small loan for the downpayment then turning around and paying it off as soon as i get the $8000.  my only concern is if i need to wait another year to get the credit will it be worth it.  anyways i'm just tring to figure out if there's anyway of getting the $8000 credit back within a month or so after i close?  thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-17_07:56:33", "killed": false, "user_key": "f2506cfa2bbb39a6b02e444cabdcf09f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/17/2009 07:56 AM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318934": {"up_voted": false, "ip": "", "has_replies": false, "message": "Original return filed first part of Feb 08.  Amended return filed on Feb 10th to include home buyer credit.  Amended return was paper filed.  It is now April 17th.  <br><br>Has anyone filed a paper return like I described above and actually received the credit?<br><br>From experience, does anyone know how long it takes to get the credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-18_01:28:55", "killed": false, "user_key": "a5ef1e3057a14a014b5ae4fd2d0c5e66", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/18/2009 01:28 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318935": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am a first time home buyer.  I am moving in with my boyfriend who currently owns his house with his roommate.  His roommate wants nothing to do with the house when he moves out in October.  I am trying to refinance the house with my boyfriend.  Do I have to purchase the house outright to be eligible for the credit or is there some way this works out for me?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-21_11:46:02", "killed": false, "user_key": "aef75740ac79802d5d0356a0cf4312e8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/21/2009 11:46 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318936": {"up_voted": false, "ip": "", "has_replies": false, "message": "I closed on this house March 27th 2009, and just sent in my 5405 and 1040X.  Also heard you needed a copy of your HUD, stating the actual contract cost/payment/offers/counteroffers, etc.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-23_23:06:01", "killed": false, "user_key": "a07545ef432b8755a6ee245a3dc65ce9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/23/2009 11:06 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318937": {"up_voted": false, "ip": "", "has_replies": true, "message": "going to buy a home in May, But I won't be able to move in till February of next year, because I am personally going to remodel my self slowly. Because I have to work. Will I still qualify??", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-24_23:14:54", "killed": false, "user_key": "88f0f6bfa6d2e24827f1e8350a6c52cd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/24/2009 11:14 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318938": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you're building a new house you need a certificate of occupancy by Nov. 30, but if the house you're buying is technically habitable when you close on it (and you don't own a home now, right?), I would think you'd be okay.  Might not be a bad idea to change your mailing address to the new place before you file your taxes next year.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-04-25_11:03:36", "killed": false, "user_key": "486e4f0bdc7a4aacb4f67a481cb212d3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/25/2009 11:03 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318937, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318939": {"up_voted": false, "ip": "", "has_replies": true, "message": "Curious... I bought my house on February 12, 2009. I Claimed the $8000 on my 2008 tax return, but the IRS changed that amount to $7500 because I claimed it on my 2008 return rather than waiting for 2009. I didn't see this specified anywhere, I was just wondering if that happened to everyone? And can we claim that extra $500 on the 2009 tax return?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-29_19:26:19", "killed": false, "user_key": "05ad258d2781c573293ecdca7891611f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/29/2009 07:26 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318940": {"up_voted": false, "ip": "", "has_replies": false, "message": "Does anyone know what \"supporting\" documents I am required to send with 1040x and 5405?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-05_11:37:37", "killed": false, "user_key": "947a2eedddec96eaa7992f3cc7faa4cd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/05/2009 11:37 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318941": {"up_voted": false, "ip": "", "has_replies": true, "message": "yes, you need to send a copy of the HUD statement as proof of purchase.  This is what I sent, along with the 2 you mentioned...and I received my tax credit yesterday via check by mail.  It was mailed out I think around mid march so it took about 6 weeks. Not too bad!!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-05_13:07:50", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/05/2009 01:07 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318942": {"up_voted": false, "ip": "", "has_replies": false, "message": "The 2008 tax return is different.  It is the one you have to pay back. You should have filed an ammendment for this years tax return (for 2008 but filed this year) and then you would have gotten the 8000, if this is what you did then something doesn't sound right and you should call the IRS customer service to see what you need to do, because if you purchased this year then you should be getting the 8000 credit, not the 7500.. The 8000 is 10% or 8000, so also if you purchased a home that was 75,000 then that could be the reason you only received 7,500.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-05-05_13:12:01", "killed": false, "user_key": "169838c1c8d2e294d3c45fb421fac5aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/05/2009 01:12 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318939, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318943": {"up_voted": false, "ip": "", "has_replies": false, "message": "RAWK ON!!!!!!<br><br><br>That means that 6 weeks from mid-april i get 8K for sending that in", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-05-05_18:53:13", "killed": false, "user_key": "a07545ef432b8755a6ee245a3dc65ce9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/05/2009 06:53 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318941, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318944": {"up_voted": false, "ip": "", "has_replies": false, "message": "Move to Mexico", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-05-06_15:41:27", "killed": false, "user_key": "218a998c90ffb24de9e64ddfc9604db3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/06/2009 03:41 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318929, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318945": {"up_voted": false, "ip": "", "has_replies": false, "message": "If anyone can help me with this:<br>We are just to close Escrow, so we should be able to qualify for the Credit.  My father and I will be buying the house.  My father is just a co-signer, my husband and I will be living there and making the payments, so in reality it's our first home owned.  My father currently owns his own home.  My husband and I file our income taxes jointly.  He does not have Social Security, so he uses and ITIN number to file.  Does anybody know, if this will affect us in receiving the Credit, Thank You", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-08_14:09:33", "killed": false, "user_key": "a9a48896b2964927ead9fa698632c912", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/08/2009 02:09 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318946": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jessica,<br>I read your directions on how to complete the 1040X and it was very helpful except I am having some trouble completing my form. I originally filed a 1040A so I couldn't follow your instructions completely.  My questions:<br><br>1) If the 8000 credit is the only thing I am changing do I need to fill out anything before line 15?<br><br>2) Line 18 should be $8000, correct? Line 19 asks for my overpayment which I believe is the amout of my refund. I received a refund so I enter that amount so when I enter the amount of my refund and subtract fom line 18 then I get an amount less than 8000 which results in me getting less than 8000 as a credit. Can you tell what I am doing incorrectly?<br><br>Thanks for any help you can offer!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-10_14:54:59", "killed": false, "user_key": "8732d372ae75375971551536ac4f668c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/10/2009 02:54 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318887, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318947": {"up_voted": false, "ip": "", "has_replies": false, "message": "Anyone have a number that I can call and check on the 8000 dollar credit", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-12_19:16:45", "killed": false, "user_key": "eda034870e783ad7ea1e64d5f99a60c3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/12/2009 07:16 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318948": {"up_voted": false, "ip": "", "has_replies": false, "message": "Parents who do NOT qualify for  $ 8,000.00 tax credit just bought WITH unmarried child  who DOES qualify for the tax credit ... CAN  child get PART or ALL of the tax credit ... and HOW to do it.    All appear on deed and all debt instruments &gt; CO-MORTGAGORS  and not just CO-SIGNERS.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-13_10:47:03", "killed": false, "user_key": "4ef37d199c92850d9be7329707f4cc18", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/13/2009 10:47 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318949": {"up_voted": false, "ip": "", "has_replies": false, "message": "our son married a woman that owned her own home, but they were divorced this year.  He is purchasing his own home next month.  Will he qualify for this $8,000 stimulus refund on his 2009 tax return?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-13_21:13:06", "killed": false, "user_key": "130327ddac56bcddd5fb49be379cab74", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/13/2009 09:13 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318950": {"up_voted": false, "ip": "", "has_replies": false, "message": "What if i applied to the credit but i can the house now cause i got fired from my job. What happens if i keep the money? how do i repay it?... Vlady", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-22_02:04:02", "killed": false, "user_key": "4c269711f308fef1c01c9dc27e7f2bf1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/22/2009 02:04 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318951": {"up_voted": false, "ip": "", "has_replies": false, "message": "I purchased last year, and I feel sorry for myself!  I missed out on 8K.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-02_11:46:56", "killed": false, "user_key": "ededd5fa3d976db367e5108a5c31eb58", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/02/2009 11:46 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318830, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318952": {"up_voted": false, "ip": "", "has_replies": false, "message": "My wife, son and I purchased a home for our 27 year old son to live in while attending school in another town.  All 3 of us are on the note and the morgage papers but my wife and I have made all the payments.  His fiance' closed on a home on 05/19/09.  She had been trying to buy this house since 02/09 and has not owned a home during the last 3 years.  While her buying and financing process drug on, my son and her were married on 04/18/09 which changed things.  The lender did not require him to sign the note but did demand he sign the deed so technically he now owns this house with his new wife.  Can they continue to file seperate 1040 forms in order for her to claim the $8,000 tax credit or did they just get married 31 days too soon?  If her marriage to him made her ineligible can they obtain an annullment and then remarry in order for her to legitimatetly claim the credit?  It seems unfair to allow co-habitaing but not married couples to claim the credit and then penalize this couple for getting married before she closed on her house.  How about if she files as single using her new address while he files as single using his old address?  Is there some kind of proof of their marriage date required when they begin fililng a joint return for 2010?  Obviously we'd like for her to be able to claim the $8,000 tax credit on her 2009 return she'll file during the first quarter of 2010.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-04_19:15:39", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/04/2009 07:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318953": {"up_voted": false, "ip": "", "has_replies": false, "message": "IF OUR DAUGHTER PAYS 150K IN CASH FOR HER 1ST TIME HOME, IS SHE ELIGIBLE FOR THE $8K? SHE'S A TEACHER AND MAKES LESS THAN 30K/YR.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-05_21:10:18", "killed": false, "user_key": "8bd96802f71ac98c7332760b9aa05468", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/05/2009 09:10 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318954": {"up_voted": false, "ip": "", "has_replies": false, "message": "Sallie,<br>I don't believe her method of purchasing the home has any bearing on whether she can claim the tax credit or not.  All info requested on IRS From 5405 pertains ONLY to the purchase, not to whether any financing was obtained or not.  As long as she's the only person listed on the deed she should be eligible for the full credit.  If you or any other person is on the deed with her, she will only be entitled to the relative percentage of the $8,000, e.g., if your name appears on that deed to her house, she'd only be entitled to 50% or $4,000.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-06_09:55:27", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/06/2009 09:55 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318955": {"up_voted": false, "ip": "", "has_replies": true, "message": "I sent out my amendment form for the new house tax credit, i mailed it May 7th,<br>does anyone know how long it will take for us to receive our refund. H &amp; R block did the paper work but we had to mail it. so does anyone know how long it will take? I sure could use the money now.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_15:34:43", "killed": false, "user_key": "92e24215bc3a5e5d1a77e13d1dc7f054", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 03:34 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318956": {"up_voted": false, "ip": "", "has_replies": false, "message": "It took 10 weeks for my son to get his back.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_16:56:57", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 04:56 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318955, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318957": {"up_voted": false, "ip": "", "has_replies": false, "message": "My boyfriend and I are buying a home.  He has never owned and I am in the process of selling mine.  To qualify for the $8000 - my name could not be on the deed at date of purchase.??   Could be on the loan at date of purchase??  Is it possible to then add my name to the deed say a month later?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_12:58:22", "killed": false, "user_key": "3447678494a7c548e97ebe8a9b2badee", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 12:58 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318958": {"up_voted": false, "ip": "", "has_replies": false, "message": "Is Flexo no longer blogging on this site?  I've not seen a comment from him since 03/29/09 and I was really looking for an expert's advice to my post from 06/04/09.  If anyone else out there knows the answer or can refer to someone or web site with the answer I would greatly appreciate it.  Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_13:35:20", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 01:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318960": {"up_voted": false, "ip": "", "has_replies": false, "message": "Amy,<br>I believe as long as you and your boyfriend were not married prior to the purchase he can claim the entire $8,000 but if your name appears on the deed to the newly purchased home he is only eligible to claim 50% or a $4,000 tax credit.  You might refer to my earlier post from 06/04/09 to see me whining about the fact my son and daughter in law got married during the 90 days it took from her loan application date to her closing date.  If you're not on the deed to the new house and provided each of you file separate tax returns he (and you if he's inclined to share) not only is entitled to the $8,000 but can even file an amended return for 2008 now and receive that money likely within about 10-12 weeks instead of having to wait until 2010 to get the money.  Be sure he attaches IRS Form 5405 in order to receive the refund.  It's a very simple 1 page form and can be downloaded from the IRS web site.  Hope this helps.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_13:45:07", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 01:45 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318961": {"up_voted": false, "ip": "", "has_replies": true, "message": "My husband and I just moved into (in April 09) a home that we built ourselves.  We have no mortgage so no HUD or anthing like that.  We do however have reciepts for everything we bought.  Would  we still qualify for the credit or do you actually have to borrow money?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_15:02:00", "killed": false, "user_key": "e6b7292483ee29213de37a282670f0db", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 03:02 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318962": {"up_voted": false, "ip": "", "has_replies": false, "message": "You certainly do qualify!  We're in the same boat, and all you need to provide is a certificate of occupancy.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_15:06:56", "killed": false, "user_key": "486e4f0bdc7a4aacb4f67a481cb212d3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 03:06 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318961, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318963": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jessica,<br>I have a question, do you apply for the credit before the purchase of the house or afterward?  Do I have to pay for closing cost and downpayment upfront  and rec'd the tax credit afterward?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_16:15:13", "killed": false, "user_key": "f80da758feef7a3fad03d7f54a0adcaf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 04:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318887, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318964": {"up_voted": false, "ip": "", "has_replies": false, "message": "You apply for and receive the credit after purchase. You need to pay for the down payment and closing costs at purchase time.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_16:33:44", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 04:33 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318965": {"up_voted": false, "ip": "", "has_replies": false, "message": "You do not have to borrow money.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_16:35:18", "killed": false, "user_key": "aff032e0eb767921a70daea66353b81a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 04:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318966": {"up_voted": false, "ip": "", "has_replies": true, "message": "i am wondering, my boyfriend owns a home and looking to refinance but requires a co-signer due to high dedt ratio.  I have not owned a home in the past 3years and file a seperate tax return- do I qualify for the tax credit or half of the credit?  plus I live in the home and my name will be added to the deed.  let me know, thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-13_23:09:41", "killed": false, "user_key": "e24e5fa027bdecc41476664ac3ee54e4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/13/2009 11:09 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318967": {"up_voted": false, "ip": "", "has_replies": true, "message": "I filed an extension this year, knowing I would purchase a house this year. We have decided to build a house that won't be finished until the beginning of November. I have to file taxes by October 15. Can I still claim this house for 2008 taxes?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-14_11:13:07", "killed": false, "user_key": "739cbfad1f309a202a87da6cd3a01991", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/14/2009 11:13 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318968": {"up_voted": false, "ip": "", "has_replies": false, "message": "I made under $75K in 2008. I changed jobs in October 2008 and will make more than $75K in 2009. I purchased a condo in April 2009 as a first-time home buyer. Originally I thought I would only get about $2K of the potential $8K for the homebuyer tax credit when I file my 2009 return.<br><br>However, does it makes sense to file for the credit this year using a 2008 amended return? Would I most likely receive the full $8K using a 2008 amended return?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-14_15:29:51", "killed": false, "user_key": "6a4b8198116b43b73f3a92f50177a58d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/14/2009 03:29 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318969": {"up_voted": false, "ip": "", "has_replies": true, "message": "Since it's not technically a purchase neither of you qualifies for any of the credit...UNLESS the lender handles the loan as a purchase money transaction in which your boyfriend sells the home to himself and you with a warranty deed or any other form of property sales form your particular state recognizes.  By selling it rather than calling it a refinance the home ownership actually changes title from John Doe, an unmarried  person to John Doe, an unmarried person and Mary Jones, an unmarried person.  That way both of you own as tenants by the entirety.  I would not recommend holding title as tenants in common because if you do and either of you dies, the property will get tied up in probate (expensive process) and the surviving owner is not entitled to the entire property.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_10:48:16", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 10:48 AM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21318966, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318970": {"up_voted": false, "ip": "", "has_replies": false, "message": "You will need a Certificate of Occupancy by the time you file your 2008 return; however, the automatic extension for your 2008 return is not the final extension you can get.  As long as you've paid at least 90% of your tax liability by 04/15/09 you can file for another extension on that return prior to 10/15/09.  The IRS doesn't have to approve your request but in most cases they don't have any problem with issuing another 90 day extension.  That should allow you to obtain your Certificate of Occupancy while still being able to claim the tax credit for 2008.  Disclaimer.....I am not a tax professional and you should not rely on any of my suggestions as gospel.  That's why tax professional must prove their qualifications and make their income from dispensing advice knowing they have a bond guaranteeing you their advice is sound (although they've been known to make mistakes as well).", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_11:55:22", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 11:55 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318967, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318971": {"up_voted": false, "ip": "", "has_replies": true, "message": "MJ,<br>This isn't even a close call.  It's a \"no brainer\".  By all means file an amended 2008 return in order to receive your tax credit within about 10 weeks of filing that amended return.  You can even file the amended return electronically but still  tax credits are reviewed by IRS eyes in about 40% of the cases so you're probably still looking at 8 weeks or so if you refile electronically.  Don't forget to attach IRS form 5405.  Some folks have filed amended returns and been disappointed when hearing from the IRS over 2 months later that they failed to include that critical form.  Save yourself some frustration and download the form from the IRS website now while you're thinking of it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_11:59:57", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 11:59 AM", "approved": true, "num_replies": 6, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318973": {"up_voted": false, "ip": "", "has_replies": true, "message": "i'm kinda in the same situation...<br><br>my 2008 income qualifies me for the 8k credit, however my 2009 income wont. i've been wondering if i can buy anytime this year before dec 1, 2009 and simply amend my 2008 income to get the 8k? or do i have to buy and close escrow by a certain date to be able to use my 2008 income? i was thinking that if i purchase more towards at the end of the year, i'd have to use my 2009 income (and def i wont qualify  = (  ... )", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_13:52:56", "killed": false, "user_key": "3d3eb26bffacd08e4677672d6bb6f787", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 01:52 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318974": {"up_voted": false, "ip": "", "has_replies": false, "message": "i\u2019m kinda in the same situation\u2026<br><br>my 2008 income qualifies me for the 8k credit, however my 2009 income wont. i\u2019ve been wondering if i can buy anytime this year before dec 1, 2009 and simply amend my 2008 income to get the 8k? or do i have to buy and close escrow by a certain date to be able to use my 2008 income? i was thinking that if i purchase more towards at the end of the year, i\u2019d have to use my 2009 income (and def i wont qualify = ( \u2026 )", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_15:03:55", "killed": false, "user_key": "3d3eb26bffacd08e4677672d6bb6f787", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 03:03 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318971, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318975": {"up_voted": false, "ip": "", "has_replies": true, "message": "Gary, <br><br>Thanks so much for your help. Just one follow-up. Is there a deadline for filing 2008 amended returns?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_16:13:38", "killed": false, "user_key": "6a4b8198116b43b73f3a92f50177a58d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 04:13 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318971, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318976": {"up_voted": false, "ip": "", "has_replies": true, "message": "Ryan,<br><br>You have to have already closed inorder to qualify for the credit.  There is something new that is allowing buyer to use the credit as their down payment, but I don't think it will help since you close on 5/29.<br><br>It takes 8 to 12 weeks to get the tax credit.  I filed my amended return on 4/18 and I am still waiting for the credit, so in lieu of the credit, I am just going to pay the down payment using my own resources and then use the tax credit to pay them back.<br><br>Randi", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_18:12:31", "killed": false, "user_key": "3bd0d6597f7d9503c825e585790f64ed", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/15/2009 06:12 PM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21318933, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318977": {"up_voted": false, "ip": "", "has_replies": true, "message": "I was under the impression that the IRS didn't allow you to efile amendments!  How do you do this?  I was just getting ready to mail mine today, but if I can efile I'd sure rather do that!<br><br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-16_09:43:06", "killed": false, "user_key": "e6b7292483ee29213de37a282670f0db", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/16/2009 09:43 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21318971, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318978": {"up_voted": false, "ip": "", "has_replies": false, "message": "You can use online software for completing your amended return but you must print and file the form by mail.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-16_09:52:57", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "06/16/2009 09:52 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318977, "depth": 2, "points": 0, "author_is_creator": true, "is_realtime": false}, "21318979": {"up_voted": false, "ip": "", "has_replies": true, "message": "My father helped me qualify for a home so his name is on the deed, can I take him off the deed for me to qualify for the $8,000.00.  He has his own home, this home will be my first home bought and I will be living there, I will be making all payments.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-16_12:16:09", "killed": false, "user_key": "a9a48896b2964927ead9fa698632c912", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/16/2009 12:16 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318980": {"up_voted": false, "ip": "", "has_replies": false, "message": "Yes, generally speaking there is a time limit.  There are some extremely rare cases dealing with returns filed by expatriots where they might be allowed to file a 1040X for up to 10 years past the original filing date but for this discussion you may file an amended return up to 3 years after you filed the original or 2 years after you actually paid the tax liability, whichever term is shorter.  For example if you filed your return 04/14/07 for the 2006 tax year you have until 04/14/10 to file a 1040X UNLESS you didn't actually pay your full tax liability until a later date of say 10/15/07 in which case you'd have to file the 1040X by 10/15/09.  Expect to receive any additional money due you no sooner than 10 weeks after you file the 1040X, particularly during the summer months when more IRS employees are on vacation.  That's because just as Flexo says below, you can complete your 1040X using tax preparation software such as Turbo Tax or Money but you can not file it electronically.  You will need to print off a copy (also one for your records) and mail it to the IRS (don't forget to include any forms supporting your request for an additional refund like the 5405 when claiming part or all of the $8,000 first time homebuyer credit) because amended returns actually have an IRS employee review them before they give you any  money back.  My local IRS office states their policy allows for 8-12 weeks to process and get you your additional refund.  That still beats waiting until 2010 to get it after filing your 2009 return though.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_12:27:12", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 12:27 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318975, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318981": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jess,<br>If he had to be on the deed for you to qualify it's likely his name also appears on the mortgage.  It's problematic as to whether your lender (assuming one is involved) would allow you to remove your father from the loan and the deed.  A Lender's philosophy runs along the lines of \"we'd rather have 2 horses pulling the wagon instead of 1 if given the option.\"  You are still entitled to 50% of the tax credit expressed as 10% of the purchase price not to exceed $8,000.  This is because you and your father are co-owners and while he isn't eligible to claim any of this tax credit the co-owner who meets the qualification of not having owned a home in the last 3 years DOES qualify for a percentage commensurate with the percentage of ownership he has in the new home.  In other words if your purchase price was $60,000 you'd be entitled to claim $3,000 but if the purchase price was $80,000 or more, your credit maxes out at $4,000.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_12:39:16", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 12:39 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318979, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318982": {"up_voted": false, "ip": "", "has_replies": false, "message": "riesling,<br>The Warranty Deed must show ownership of the property being transferred to you on or before 12/01/09 period!  As far as filing an amended 2008 return you've got plenty of time to file that 1040X return to claim your tax credit.  Here's a question for you though.  Since it requires filing an amended return to claim this on your 2008 return and you can't file your amended return by e-file does it make more sense to go to the trouble of filing a hard copy only to wait 10-12 weeks to receive the money as opposed to just filing your 2009 return as early as possible in 2010 (let's say 02/15/10 hypothetically) electronically and receiving your refund/tax credit within about 3 weeks?  It may be about as broad as it is long but less paperwork if you don't buy until close to the 12/01/09 deadline.  You file an amended 2008 return on 12/05/09 and wait until perhaps as late as 03/05/10 or just file for the credit on your 2009 return electronically and receive your money/credit within 2 or 3 weeks of filing???", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_12:52:39", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 12:52 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318973, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318983": {"up_voted": false, "ip": "", "has_replies": false, "message": "MJ,<br>I was incorrect in advising you that you could file a 1040X electronically.  Flexo is correct when he says you can use tax software to complete the form but you MUST print and mail it to the IRS along with any supporting documents such as the 5405 form.  See, I told you I wasn't a tax professional. (smile)", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_12:59:56", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 12:59 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318971, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318985": {"up_voted": false, "ip": "", "has_replies": true, "message": "We are purchasing a home right now.  I bought a house 11 years ago, we are still in it.  My husband moved in when we married and I filed a quick claim deed for him.  Our house is on the market but I doubt it will sell before the closing on the new house.  In this market...who knows how long we will have double payments.  Our income would qualify us for the 8000 credit.  What about the fact that we still have a house?  Will that disqualify us?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_19:31:38", "killed": false, "user_key": "a1074f5b1c1b91d31e27ab6a5c45a6a5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 07:31 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318986": {"up_voted": false, "ip": "", "has_replies": false, "message": "Tricia,<br>You are not eligible to claim any Tax Credit in connection with purchasing a new home.  The fact that you and your husband are on the deed to your present home at this time or any time within the last 3 years disqualifies you for this particular credit.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-18_14:22:56", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/18/2009 02:22 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318985, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318987": {"up_voted": false, "ip": "", "has_replies": true, "message": "We bought our first house on 29 december 2008. Is there anyway we can claim the $8000 tax credit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-22_03:45:54", "killed": false, "user_key": "0bdb391eddee22d32364e6809cdbf4c9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/22/2009 03:45 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318988": {"up_voted": false, "ip": "", "has_replies": false, "message": "Ripa,<br>Sorry but timing really is everything with this program.  Had President Elect Obama announced he intended to get this legislation introduced and passed prior to taking office it's likely a lot of people would have postponed closing on their purchases.  You still got a good deal if you qualified under the old plan by getting to claim the $7,500 tax credit on your 2008 return even if you are required to pay it back over the next 15 years.  It's an interest free loan which only requires you to repay $500 a year as long as you own the house.  Of course if you sell the house in 10 years you'll have to repay the remaining $2,500 of the original $7,500 from the proceeds of your sale unless you want to trust yourself to have an extra $2,500 lying around on April 15th.  It's true the 2009 Act is a much better program for first time homebuyers by allowing 10% of the purchase price up to the maximum of $8,000 and not requiring any payback at all the 2008 deal still was a bad one either.  Bottom line is that in order to qualify for the entire $8,000 with no payback you must not have owned a house for the previous 3 years and close on your purchase between the dates of 01/01/09 and 12/01/09 inclusive.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-22_16:31:17", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/22/2009 04:31 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318987, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318989": {"up_voted": false, "ip": "", "has_replies": true, "message": "What portions of the 1040X do I have to fill out for the first time home buyers credit", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-24_10:51:53", "killed": false, "user_key": "83c921f9b24c2b94d478022b3dd20cf0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/24/2009 10:51 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318990": {"up_voted": false, "ip": "", "has_replies": false, "message": "George,<br>You'll need to complete all of it but it's a fairly straightforward form which pretty much walks you through all the steps.   Just be sure to attach your form 5405 which is even a simpler form to complete.  Just follow the instructions on the form and remember that you must mail your 1040X along with the 5405 and supporting documentation to the IRS.  You can not file a 1040X electronically.  You can go to <a href=\"http://www.irs.gov\" rel=\"nofollow\">www.irs.gov</a> for additional information and froms suitable for printing.  Good luck!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-24_13:55:17", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/24/2009 01:55 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318989, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318991": {"up_voted": false, "ip": "", "has_replies": true, "message": "I have owned my home for 3 years.  I am considering refinancing with my boyfriend.  He qualifies as a first time home buyer as he has not owned a home in the previous 3 years.  Will he be allowed the credit if I refinance with him, which would make him a first time home owner? <br><br>If not, I'm considering selling my house to him.  We're planning on putting the entire credit against the mortgage to lower our payment.  I'm not concerned about selling to him as we're planning on getting married in 2010 and I trust him expliciately.  Also, both of our wills will clearly state where the house would go if one of us were to die.<br>I want to make sure which ever way we do it, it's completely legal.  Is it?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-25_12:36:36", "killed": false, "user_key": "124219a7e1a86a2f27323a3f34857825", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/25/2009 12:36 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318992": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you refinance in both names before 12/01/09 and you are not married yet, he may claim 5% for his portion of the value of the home up to a maximum of $4,000; however, if you sell the home to him under a warranty deed and he can qualify for the home loan by himself without you on the loan, he can claim 10% of the purchase price shown on the transfer (sale price) up to a maximum of $8,000.  Oftentimes a person who is attempting to do this won't qualify to borrow the money because of a high debt ratio.  With the crazy market we've been in for the last year or so, most underwriters have gone back to the old standard ratios of only 28% of a person's gross income being allowed to go toward the PITI (principal, interest, taxes and insurance) total payment followed by a maximum debt to income ratio (including all debt monthly payments + the house payment) of 36%.  Those figures had gotten up to 35% and 40% respectively until earlier this year when virtually all underwriters began tightening the reigns on credit.  If he doesn't qualify by himself you've still got the option of selling the home via warranty deed to both of you as part of the refinance and him (only) claiming 5% of the purchase (refinance amount) price up to a maximum of a $4,000 credit.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-25_19:11:40", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/25/2009 07:11 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318991, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318993": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am purchasing my first home and I need to know how to use the $8000 tax credit,What I need to know is how do I go about acutually getting the money now so that I can use it as a down payment ,I don;t want to wait till I file my tax return.again I need to know what the steps are to get the money now", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-27_18:29:39", "killed": false, "user_key": "678b268fccbc19e798fb8398076270b8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 06:29 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318994": {"up_voted": false, "ip": "", "has_replies": false, "message": "What you are inquiring about is probably the most misunderstood item related to the First Time Homebuyer Tax Credit out there today.  There are very precise steps that must be followed closely in order to gain access to the $8,000 and actually use a portion or all of it as down payment money.  There are even some attorneys who disagree on this.  Some say you must file an amended 2008 tax return and wait the 10 to 12 weeks it takes to receive that money before closing on the loan while others say they've figured out a way to apply it directly as down payment money.  Still others say the only way to pull this off is if you're obtaining an FHA, VA, FMHA (Farm) or a loan that is preapproved by Fannie May or Freddie Mac.  The only cases I'm aware of where anyone was actually been able to utilize the money as down payment funds were those loans administered by the United States Department of Agriculture Rural Development Agency.  With this program you don't actually apply the $8,000 Tax Credit to the down payment itself but rather this agency funds the loan with zero down payment which leaves you with getting the $8,000 later to use for furniture, adding a patio, etc. but be aware you must have a decent credit score (or no score at all) to qualify for this type of loan.  The home doesn't necessarily have to be located in a sparsely settled area but I do not believe homes in major metropolitian cities are eligible for this special program.  Since this particular program is so specialized I would recommend you speak with a mortgage professional and more specifically a mortgage broker.  I say this because the brokers must stay up to date on every little nuance which involves mortgage lending because they utilize so many different funding sources; much like independent insurance agents who write policies through a variety of companies and not just one company.  Find out more about this special no money down loan program at <a href=\"http://USDAloans.com\" rel=\"nofollow\">USDAloans.com</a>", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-29_11:30:39", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/29/2009 11:30 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318993, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318995": {"up_voted": false, "ip": "", "has_replies": false, "message": "How does the goverment know if I owned a house in the last three years?  What about this vacation home exemption?  What if I owned the property but rented it out and lived with someone?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-30_15:26:09", "killed": false, "user_key": "7bf16066e152ca97738293e31b97b4f9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/30/2009 03:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318996": {"up_voted": false, "ip": "", "has_replies": false, "message": "Bill,<br>Don't you know the government has almost everyone \"on the grid\" anymore?  Seriously, they use Social Security Number matches to see if you claimed any mortgage interest as a tax deduction on your last three years of 1040 forms.  If a lender issued you a 1099-M form for any one of the last 3 years they also supplied the government with the same information.  Vacation property can be exempted only if it is truly located in a recognized tourist destination spot and you can prove you didn't stay in the house/condo for more than 14 days during any one year period.  Be careful as filing a false return is a Federal Crime and not viewed lightly by the IRS.  You need to be knee deep in facts and supporting documentation if you intend to claim the only property you owned was a rental.   The IRS can be quick to challenge your reporting for the last 10 years with a special emphasis on the last 3 years.  You are on your own if you try to get cute and \"beat the system\".", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-01_19:37:29", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/01/2009 07:37 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318997": {"up_voted": false, "ip": "", "has_replies": true, "message": "I bought a home in 2009. My sis co signed for me cause I had too much credit out. Can I get the full 8,000. The house is all mine and she has no interest in it. She was just helping me out on paper. I filed an amended and the irs got it 3/26. Still no word. They said Wait an additional 30 days for a response. And they are paying me interest. And if still no word by 7/16 a specialist has 7 days to contact me. I just hope  they are not gonna want her to file for half. Cause she will not wanna do it for me till next year.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-01_20:36:33", "killed": false, "user_key": "0eb5e72f2870cb084213d96c1aa73e44", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/01/2009 08:36 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318998": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi all,<br>I read thru all the blogs rather quickly to try and find an answer to my question, but didn't see it asked anywhere. I am wondering if purchasing a home via land contract, rent-to-own, or lease with option qualifies for the tax credit. I have never owned a home and right now, thanks to a nasty divorce, I don't have the credit for a conventional loan.  Anyone have any idea?  Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-01_21:05:32", "killed": false, "user_key": "001b5ac2b50b8812a438a382458c738a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/01/2009 09:05 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21318999": {"up_voted": false, "ip": "", "has_replies": true, "message": "i will be buying a mobil home with land that was originaly worth $45k i will be taking over the loan via owner finance assumable loan with about $40k on the loan will i qualify for the 10% tax credit and if so will it be for $40k or $45k", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_12:37:21", "killed": false, "user_key": "8ad3066586ff3e761871ec37003333f9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 12:37 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319000": {"up_voted": false, "ip": "", "has_replies": true, "message": "yvonne,<br>Check your paperwork closely.  Odds are that if sis had to co-sign for you she also has an interest in your property although this can vary by state.  Most lenders don't like complicated arrangements and usually put all signers on the promisory note AND the deed.  While I've seen cases of multiple owners on a deed with only 1 of the owners on the note it's rare (but not impossible) a lender would require her to sign the note and not the deed.  Your lender can tell you if at the end of the year they plan to issue a 1099M form (interest paid on the home loan) to you only, 1 for each of you or if they plan to list both your names on 1 form and let the 2 of you sort it out between you as to who will take the mortgage interest paid deduction on your 1040 (tax) forms.  If sis' name and signature appears on the deed along with your name she is definitely a co-owner.  The question then becomes \"did you take title as tenants in common or joint tenants with rights of survivorship?\"  If you took tile as JTWROS and you die, she gets the house.  If you took title as tenants in common, only your immediate heirs are entitled to the property, e.g., husband, a parent or children of legal age.  They would also take ownership with the obligation to satisfy the mortgage debt.  If your sis has owned a home in the last 3 years I would say you most likely will qualify for only half of the $8,000 tax credit.  The IRS may have set your request aside for special handling in order to determine how much if anything you are eligible for; hence the extra 30 days.  This is assuming you did remember to attach form 5405 to your request.  Don't be offended.  You wouldn't believe how many people have filed for this tax credit and failed to attach the proper documentation.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_15:00:09", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 03:00 PM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21318997, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319001": {"up_voted": false, "ip": "", "has_replies": false, "message": "shannon,<br>The whole idea behind the $8,000 tax credit for first time home buyers is to assist people with obtaining home ownership.  Unfortunately, land contracts, rent-to-own or lease with option transactions do not get the home transferred into your name prior to 12/01/09 in order to be eligible for the credit.  If you can get a seller to actually SELL you the home and carry back the mortgage on it which still requires you to make monthly payments on it, a warranty deed (transfer of ownership) would be created and filed at your county courthouse in the Recorder of Deeds (sometimes called Registar of Deeds) office which WOULD make you eligible for the tax credit.  The deed must be transferred into your name by 12/01/09 to qualify under the existing act.  Be careful when purchasing via land contract or any other method that does NOT actually involve a transfer of the deed!  Have an attorney review any such agreement before you sign it.  In many cases, the tax paying home owner can evict you with no more than 30 days notice if he later decides he'd rather get all his cash sooner rather than later.  Also if he doesn't pay the real estate taxes the taxing authority could actually seize the home and sell it out from under you  on the courthouse steps to another party (often an investor) who once again can evict you by serving notice of his plans to do so.  While any TRUE  mortgages can be sold to another party the buyer of the note can NOT change any of the terms your original seller agreed to when he sold you the home.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_15:16:39", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 03:16 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318998, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319002": {"up_voted": false, "ip": "", "has_replies": false, "message": "A mobile home does qualify under the act provided it includes the land it sits on.  Your tax credit can not exceed $4,000 because that represents 10% of what will be considered your purchase price.  The actual value of the home plays no part in the calculation.  While the seller has assured you his loan is assumable, be positive his lender agrees and is willing to have you sign documentation which obligates you to pay the lender directly ( don't make payments to the seller if he suggests you do so and he'll make the payment to the lender) and assures you there's no way the seller can ever come back and reclaim the property.  Oftentimes lenders will allow a buyer to assume a mortgage obligation via what is called an ASSUMPTION AGREEMENT; however, they retain the right to go after the seller in the event you should default on the loan.  That's why a lot of veterans who purchased homes several years ago utilizing their VA benefits and then sold them via assumption agreements found that when they went to use their VA benefits again to purchase another home discovered they could not use the benefit of a VA loan a second time until the previouis loan was paid off.  In some cases that might be several years before the buyer of their previous home would refinance or sell that other home.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_15:40:31", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 03:40 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21318999, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319003": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hey, thanks for the reply. My sis and I have never owned a home and the paperwork shows joint tenants. We both would qualify. So I know worst case scenario would be we would each have to claim half. I did include form 5405. I actually had hrb do my amended return. But even they weren't sure. Cause they said this is all new. She helped me on paper. But when it comes to the house It was my down payment and the lender said they could remove her in 2 years. And all the paperwork comes with both our names on it. I wonder if I can let the irs know all this?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_17:45:15", "killed": false, "user_key": "0eb5e72f2870cb084213d96c1aa73e44", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 05:45 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21319000, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319004": {"up_voted": false, "ip": "", "has_replies": false, "message": "At this point my advice would be to just wait like the IRS says to see if they need any additional information.  Whether you own this house or you and sis own it still depends entirely on whether her name and signature appear on the deed.  It's interesting that even H &amp; R Block's rep couldn't give you a definitive response.  As you said, it sounds like the very worst that could happen is that you and your sis will each be eligible for $4,000.  My guess is that you'll have your money by the first of August.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_18:58:14", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 06:58 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319003, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319005": {"up_voted": false, "ip": "", "has_replies": false, "message": "I purchased my home in 1994 sold it to my son in 2005 to prevent a foreclosure and be able to stay in the house. He bought it from me for $125,000 and I gifted back $25,000 so the loan amount ended up being only $100,000. I paid rent every month since. The house would sell for around $139,000.<br>I would now like to purchase my home back now. I heard there is a relative clause in the stimulus package that prevents you from buying or selling among relatives is this true? If not what is the best way to purchase the home back and be able to have him gift the most monies back to me or at least a part of the $25,000 I gifted to him and take advantage of the $8,000.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-02_22:38:36", "killed": false, "user_key": "fa727a4844712b2e8e76d1428d8c97e8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/02/2009 10:38 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319006": {"up_voted": false, "ip": "", "has_replies": false, "message": "Kay,<br>The IRS refers to real estate transfers that are \"less than an arm's length\" transaction, i.e., transfers between relatives and those are scrutinized very closely.  They have seen just about every trick in the book; however, that doesn't mean it's unlawful for relatives to sell property among themselves.  What the IRS does look for are transactions involving sales under market value and moving property in and out of Trust Accounts to avoid taxes.  I would not feel comfortable giving you advice about your specific situation and instead would encourage you to seek competent legal council before moving forward with your proposed purchase from your son.  A tax attorney isn't cheap but he/she could still be a bargain if you can legally construct this property transfer and claim the $8,000 tax credit.  More importantly, a tax attorney could prevent you from making a technical error that might result in not only missing out on the tax credit but subject you to some sort of penalty for attempting to claim the credit when you were not qualified to do so.  Caution should be used before attempting to put together something that could later unravel on you after you receive the $8,000 and wind up costing you not only the $8,000 but additional tax and penalties.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-03_14:56:18", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/03/2009 02:56 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319007": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am purchasing a house which is scheduled to close July 31st, 2009 and the bank told me I qualify for the $8000 from the government so how do I go about collecting it?  Can I get it this yeaar or do I have to wait until tax time next year? Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-03_16:08:51", "killed": false, "user_key": "044b7bb3cca9d6bf995729671280f987", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/03/2009 04:08 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319008": {"up_voted": false, "ip": "", "has_replies": false, "message": "David42,<br>You can claim the $8,000 sooner than next year by filing an amended 1040X return as soon as you close on your home; however, be prepared for a lengthy wait to receive your funds.  Amended returns can not be filed electronically but have to be completed and delivered by snail mail.  The wait was initially 10 weeks, then 12 weeks and some people who filed up to 14 weeks ago are still waiting for their money.  If you file your 2008 amended tax return, complete with form 5405 (download this from IRS.gov/forms) during the first week of August you \"might\" get your check by Christmas.  With the economy being what it's been it seems the majority of qualifiers for the tax credit have chosen not to wait until they file their 2009 returns and the volume has just swamped the IRS with requests.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-03_20:00:06", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/03/2009 08:00 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319009": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks Gary, Will do just that. I am going to buy the house back regardless of getting the $8,000 or not. I was wanting to find out if it was possible to get to take advantage of that tax break as well. Thanks for your advise.<br>Have a great 4th.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-03_22:46:00", "killed": false, "user_key": "fa727a4844712b2e8e76d1428d8c97e8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/03/2009 10:46 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319010": {"up_voted": false, "ip": "", "has_replies": true, "message": "if we were to rent out the  basement in the house we were looking at getting would we still be able to get the credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-06_21:23:13", "killed": false, "user_key": "bb0dc38853365a514f663d98cf1010c5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/06/2009 09:23 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319011": {"up_voted": false, "ip": "", "has_replies": false, "message": "I believe you might techncially disqualify yourselves since a portion of the home you're purchasing would be considered commercial property; however, I suspect you would probably not be challenged if you aren't going to rely on the rental income to qualify for any loan you might be obtaining to purchase the home.  One thing for sure is that if you do NOT rent out a portion of your new home until after the 3 year moratorium expires you would be entitled to keep the entire 10% of the purchase price up to the maximum $8,000.  The 3 year waiting period is how long you must stay in the home as either your first or second residence in order to escape the clause in this Act  that would require you to repay the tax credit to the government.  Remember, the intent of this Act is to encourage more renters and other non-homeowners to invest in a single family home.  There will be some folks taking advantage of the ability to convert a bedroom into a home office for which they can deduct a portion of their house payment commensurate with that potion of their home which serves as an office for their small business, e.g., if your home is 2,000 SF and you use a small 10 x 20 room for an office you can deduct 10% of your utilities and house payment as a legitimate business expense.  Some people might suggest you just keep the rental agreement \"off the books\" and always have your tenant pay in cash but as a business professional I can't really advise you to do that.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-07_10:51:04", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/07/2009 10:51 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319010, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319012": {"up_voted": false, "ip": "", "has_replies": false, "message": "so i purchased a home this year late march and i applied for the 8,000 dollar refund and i recieved a letter from the IRS saying i purchased the home too late. Is there anyone who can help me figure this out?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-07_14:15:29", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/07/2009 02:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319013": {"up_voted": false, "ip": "", "has_replies": false, "message": "There are 2 programs you could refer to when claiming the Tax Credit.  The first one has to do with the $7,500 Tax Credit for qualifying first time home buyers who purchased in 2008.  That's the one that has to be repaid over a 15 year period of time.  The second one is for the 2009 Tax Credit which is $8,000 and never has to be repaid as long as you made your purchase between 01/01/09 and 12/01/09 and don't move out of the home for a minimum of 3 years.  You may have done what some others did and checked the wrong box on your form 5405.  If that's the case, be glad the IRS didn't give you the $7,500 Credit because you'd then have $500 withheld from your future tax refunds for the next 15 years.  You may ask yourself why the IRS couldn't look at your attached documents and know full well you were actually applying for the 2009 credit but you have to remember........you're dealing with the IRS here.   It shouldn't be too hard to clear up though.  Just file an amended 2008 1040X and be sure to check the box  on form 5405 identifying the credit you're applying for is the $8,000 one for a home purchased in 2009.  Not a bad idea to attach a copy of your loan settlement sheet as well (HUD 1).  Remember that you can't file this 1040X form electronically.  It must be mailed and the wait for the check at last count was up to 14 weeks and counting.  If you file by 07/15/09 you \"might\" get the refund check before Christmas.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-07_18:25:55", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/07/2009 06:25 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319014": {"up_voted": false, "ip": "", "has_replies": false, "message": "My home is being built but it wont finish till nov. 30th barring any problems. I dont think I will close by DEC 1, 2009. What can I DO? Did I just lose my 8k?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_09:33:22", "killed": false, "user_key": "4d2c2a11910269835f85c1b3b3e92486", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 09:33 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319015": {"up_voted": false, "ip": "", "has_replies": false, "message": "Unfortunately it would appear that you will likely miss out on this particular portion of the Stimulus Act but you might want to consider splitting the $8,000 with your contractor if he can get your home finished to the point where a lender is willing to make the mortgage loan no later than 12/01/09.  Even if he can't do that just remember that many folks jumped on the bandwagon to beat the 12/31/08 deadline in order to get the $7,500 Tax Credit which has to be repaid over the next 15 years only to discover that had they waited until January, '09 their Tax Credit would have been $8,000 with no payback required at all.  Who knows what incentive might be made available out there after 12/01/09, particularly if the economy is still sputtering along at that time.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_10:27:03", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 10:27 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319016": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks for the help Gary.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_10:32:09", "killed": false, "user_key": "4d2c2a11910269835f85c1b3b3e92486", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 10:32 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319017": {"up_voted": false, "ip": "", "has_replies": false, "message": "Where can i file an amended 2008 1040X form?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_14:15:46", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 02:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319018": {"up_voted": false, "ip": "", "has_replies": false, "message": "Luis N.,<br>You asked where you can \"file\" the form and the short answer is of course with the same IRS office you would normally send a standard 1040 form to but I suspect you may have been asking where you can FIND the form 1040X.  Again, a fairly short answer.  They are generally available from your local post office, your public library and from the IRS web site.  I like to get my forms directly from <a href=\"http://www.IRS.gov\" rel=\"nofollow\">www.IRS.gov</a> because the odds of the form being the most recent edition are better if it comes directly from the IRS.  Some folks have found forms from the post office that were outdated and since the tax laws seem to change almost monthly of late the IRS website is by far your best bet.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_15:01:14", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 03:01 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319019": {"up_voted": false, "ip": "", "has_replies": false, "message": "Would the purchase of a home by my mother put into my son's name qualify him for the tax credit?  He is a student in college with no income so to speak.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_15:54:12", "killed": false, "user_key": "742178e0906488029772f9320aac8831", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 03:54 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319020": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am a mortgage broker and I have a question for my clients.<br><br>I have a daughter who can not qualify for a mortgage so the parents are going to co-sign so she can buy her primary residence for her and her husband.  However, I am having difficulty convincing the underwriter that the parents are actually co-siging...they believe the parents are just using the daughter to purchase an investment property, which is crazy, but apparently HUD (FHA) is having a problem with this and is really cracking down on the underwriting of FHA loans.<br><br>So, my financing may have to change in that I will need put the mortgage into only the parents name, however still close title with all three borrowers on title.<br><br>This is from the IRS website:<br><br>S2. Taxpayer A is a single first-time home buyer. Taxpayer B (parent) cosigns for A and does not qualify. Both names are on the mortgage. Can Taxpayer A claim the credit and, if so, how much? <br><br>A. Yes. Taxpayer B is not a first-time homebuyer and cannot claim any portion of the credit, but A may claim the entire credit ($7,500 for purchase in 2008; $8,000 for purchase in 2009), if the home was purchased as Taxpayer A's primary residence.<br><br>I did not see anything about the borrower (daughter) having to be on the mortgage - only \"if the home was purchased as Taxpayer A's primary residence\".<br><br>Do you think the daughter would still qualify?<br><br>John", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_00:13:57", "killed": false, "user_key": "398d135890541a95d72b0dc2e49febf2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 12:13 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319021": {"up_voted": false, "ip": "", "has_replies": true, "message": "My wife and I closed on our house 3/28/2009 we are first time home buyers but still we didn't find $8000 how can we got . Thanks daniel", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_04:06:28", "killed": false, "user_key": "303548a13dcf4d0b80f61efeee930d04", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 04:06 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319022": {"up_voted": false, "ip": "", "has_replies": false, "message": "The loan and the homeownership issue are not mutually exclusive; however, to illustrate why the daughter is still entitled to the entire tax credit, consider the situation if the parents simply paid cash for the home but still had the daughter placed on the deed.  Many older couples employ this method when they have only 1 child living because it removes that asset from having to go through the Probate process.  One cautionary word here though.  Do NOT place the daughter's husband on the deed if he has owned a home within the previous 3 years.  In that case the credit would be lost.  Also placing the child's spouse on the deed means he would be entitled to his share of that home (or any proceeds from a sale) should they divorce.  The husband could still claim marital interest in some states but that can become messy and expensive for all concerned.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_10:25:37", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 10:25 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319020, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319023": {"up_voted": false, "ip": "", "has_replies": false, "message": "First of all...shame on your buyer's real estate agent for not pointing out the tax credit you are entitled to.  Any agent worth their salt would have used that point as an additional sales tool to encourage you to purchase.  That agent failed to fulfil the fiduciary responsibility incumbent with obtaining a license to sell real estate.  But take heart, all is not lost.  Simply download form 5405 from the IRS website, complete it as instructed and submit along with your 2009 tax return and be sure to includ any supporting documentation such as the HUD-1 Form (the settlement sheet both you and the sellers had to sign at the closing which itemizes who paid for every item involved in the sales and/or financing transaction).  You may wait and file this paperwork along with your 2009 tax return in 2010 or you can download an additional form from the IRS website known as a 1040X or Amended Tax Return for a previous year and claim the credit on your 2008 tax return.  If you choose to file an amended 2008 return, expect it to take up to somewhere between Thanksgiving and Christmas before you receive your check.  While you may claim this tax credit on your 2009 electronic tax return filing, the same is NOT true if you choose to go the Amended Tax Return route to claim this credit on your 2008 return.  All 1040X (amended) returns must be filed via snail mail as the IRS won't accept them in electronic filing format.  This is because they must do at least some cursory investigation to be sure you really do qualify for the Tax Credit.  Some people try to hide the fact they or their spouse has owned a residence within the prior 3 years or incorporate the Tax Credit into a purchase of investment property.  The government will run a social security number search to see if you or your spouse has claimed any mortgage interest deductions on tax returns for 2005, 2006 and 2007.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_10:47:37", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 10:47 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319021, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319024": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks alot Gary. You are very helpful. Im still unsure about something though. If i have already filed my taxes and recieve my tax return. do i still have time and am i able to still apply for the home buyers tax credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_12:01:11", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 12:01 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319025": {"up_voted": false, "ip": "", "has_replies": false, "message": "Luis,<br>The short answer to your question is yes.  Because the Stimulus Act wasn't signed until February it included a clause allowing anyone who qualified for the Tax Credit by purchasing a home between 01/01/09 (retroactively) and 12/01/09 to claim the credit on their 2008 return if they had not already filed their 2008 return or to file an amended 2008 return if their purchase occurred after April 15th and they'd already filed their 2008 return by using form 1040X.  The unintended consequence of this Act allows those folks who have already filed their 2008 return, even if they received a refund to file an amended return and receive the credit via electronic funds transfer to their bank account or have a check mailed to them.  This will hold true even for people who close on the new purchase right up to 12/01/09.  The most important thing to remember though is to complete form 5405 and include some paperwork to prove you actually did close on a primary  or secondary residence during the eligible time period and MAIL the paperwork (no efiles allowed on amended returns) to the same IRS office who normally  handles your returns.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-10_13:37:35", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/10/2009 01:37 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319026": {"up_voted": false, "ip": "", "has_replies": true, "message": "So we filed the amended tax forms for the 8,000.00 credit, but it has been over 6 weeks ago...has anyone actually received the money from the refund???", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_18:09:40", "killed": false, "user_key": "133584df050feaf61030f7f0a9764368", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 06:09 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319027": {"up_voted": false, "ip": "", "has_replies": false, "message": "i also filed amended return on 4/16 still waiting. called the irs they said they are reviewing it. i think it rediculous at  12 weeks no credit. i guess you have to be gm to get money the next day from irs.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_18:55:17", "killed": false, "user_key": "30e83c9226392380493a4a2eac5f61e6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 06:55 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318976, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319028": {"up_voted": false, "ip": "", "has_replies": false, "message": "we have been waiting 13 weeks, we sent ours off on april 8 after calling them yesterday they are now telling me it could take up to 16 weeks", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_19:48:33", "killed": false, "user_key": "ad2f0071682679a87a746fda429537d5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 07:48 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318955, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319029": {"up_voted": false, "ip": "", "has_replies": false, "message": "has anybody herd  what the  current time frame is ? I was  told yesterday that it could take 16 weeks    I shure  hope not.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_20:05:39", "killed": false, "user_key": "8d3f45bee442bd596564f807c9270ae2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 08:05 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319030": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am glad to find this website. Regarding the 2009 Federal's $8,000 incentive, I've been told by my agent that it's simply a cash check and I should check my mail box at my newly purchased property for required claim forms to be mailed to me by government.  Now I finally understand, after reading your informaiton, the incentive is actually a refundable tax credit, and I should take initiatives instead of waiting. <br><br>I bought a property in June 2009 with all cash as my first own principal residence. So, should I just I follow your #178 answer on 7/7/2009 to file an amended 2008 1040X? <br><br>Another question is even sillier,  but as I always filed my tax returns online, I have no idea but need to know where I can get the right paper forms for filing an amended 2008 tax return? <br><br>Thanks for help.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_23:45:36", "killed": false, "user_key": "3fdd5558f200a4319f4c87171ab36eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 11:45 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319031": {"up_voted": false, "ip": "", "has_replies": true, "message": "my husband and I purchased our first home in April and ammended our taxes on turbo tax. Does anyone know how long it will take to get our refund and will it be faster since we chose direct deposit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-15_21:31:36", "killed": false, "user_key": "affa6df26988806e5bd52cff89dd7b21", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/15/2009 09:31 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319032": {"up_voted": false, "ip": "", "has_replies": true, "message": "For those asking how to <a href=\"http://www.consumerismcommentary.com/2009/07/15/how-to-file-an-amended-income-tax-return-form-1080x/\" rel=\"nofollow\">file an amended income tax return</a> I have assembled a step-by-step guide: <a href=\"http://bit.ly/vRTEj\" rel=\"nofollow\">http://bit.ly/vRTEj</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-15_23:34:46", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "07/15/2009 11:34 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21319033": {"up_voted": false, "ip": "", "has_replies": true, "message": "CAN I FILE THE 5404 AND THE 1040X WRITTEN OUT BY HAND OR DOES IT HAVE TO BE TYPED?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_12:32:34", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 12:32 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319034": {"up_voted": false, "ip": "", "has_replies": false, "message": "You should have already received your refund; however, the tax credit portion may take longer as they are doing random testing in an effort to catch people trying to cash in on the credit who don't actually qualify for it.  There's a toll free phone number for the IRS posted on their web site you may use to check the status of your refund.  Expect several days to receive a response if requested by phone or mail but email responses are generally going out within a couple of days.  Your refund will always be much faster if you used the eFile system available as a service for all Turbo Tax customers.  Many people report getting their refunds deposited to their bank accounts within 3 weeks of filing as opposed to the traditional 12 weeks it takes to receive a check.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_18:40:18", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 06:40 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319031, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319035": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo,<br>Very nice job and anyone following your step by step process should have no problem getting their Tax Credit approved.  I'm not a tax expert either but my CPA has advised me the IRS will credit your account electronically if you request it.  They don't want lost checks any more than the recipients do and they're under a little heat right now to hire more agents and step it up with getting this money into the economy quicker than they've been doing so far.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_19:02:09", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 07:02 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319032, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319036": {"up_voted": false, "ip": "", "has_replies": false, "message": "That's a 5405 form and while you certainly can complete the form by hand, don't expect the IRS to take a lot of time trying to decipher your handwriting.  As with anything be sure to write legibly or even better use block letters.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_19:03:57", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 07:03 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319033, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319037": {"up_voted": false, "ip": "", "has_replies": false, "message": "At the rate the IRS is proceeding now, look for your check somewhere between Thanksgiving and Christmas.  If enough people will contact their Congressional Representatives and Senators you could probably see the IRS hire more temporary workers to get this stimulus money out to the people sooner.  The recovery can't begin until people have extra money to spend.  Senators love to step in front of the cameras and announce things like, \"My subcommitte has scheduled hearings on August 11th to have the Head of the IRS come in and explain to us (and the American People) why it's taking so long to get this money out to the folks who are entitiled to it.\"  Pester your Senators and Reps with emails and phone calls.  They'll get the message.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_19:14:43", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 07:14 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319031, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319038": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you tried to file your amended return by E-File it will be rejected.  Amended returns must be filed the old fashioned way (snail mail).  You may want to get ahead of this by submitting another amended return manually now because they will most likely throw out your emailed amended return.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_19:19:31", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/16/2009 07:19 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319031, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319040": {"up_voted": false, "ip": "", "has_replies": true, "message": "My husband has a house on land contract from before we got married, I think that he may have marked that he owned his house on his taxes in the past, however the deed is not in his name due to the land contract and he doesn't technically own the house.  I recently  (June 2009) purchased a house in my name entirely, he is not on the mortgage/deed/etc.  Do we still qualify?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-19_23:19:40", "killed": false, "user_key": "4397144a5673412968ab9dff469344b2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/19/2009 11:19 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319041": {"up_voted": false, "ip": "", "has_replies": true, "message": "My wife and I got married on 4/25/09, we then bought a house on 7/1/09.  We filed separately for 2008 so how would we file an amended return for 2008 to get our tax credit?  Joint/Single?  Would it be easier just to wait until we file jointly for 2009?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-21_14:07:14", "killed": false, "user_key": "d8c88bb17a926f359fc3a835f176049d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/21/2009 02:07 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319043": {"up_voted": false, "ip": "", "has_replies": true, "message": "I sent my 1040X and 5405 (filled out on turbo tax) in on May 21st.  I called the IRS yesterday and the guy said it hasn't even been put in the system yet... and that there \"may\" be additional information/paperwork needed.  Is this something that is happening to a lot of people and if that happens it will delay the return.  I was counting on having the money by the end of summer is that still a possibility? Or when can I possibly expect to see my money.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-21_21:16:07", "killed": false, "user_key": "685e5df42ec96bf303f0ddccc705ab4c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/21/2009 09:16 PM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319044": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi,<br>I was married and my ex- and I owned a home and were on title and mortgage together.  Now I am remarried.  Can my new wife qualify for the credit, as she has never owned a home before.  Also can we qualify together, because as a couple, \"we\" have never owned a home before?<br>Also.... does the house have be fully purchased by Dec 01, or, can it still be in escrow?  What if it is in escrow, and closes on Dec 3rd?<br><br>thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-26_20:39:32", "killed": false, "user_key": "dcb9dd4f4f2b773de5c71028759a5f38", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/26/2009 08:39 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319045": {"up_voted": false, "ip": "", "has_replies": false, "message": "You CAN amend your return at anytime to claim the credit.  I have clients that amended in May and have received their money, while I also have clients who amended April 15 and have not received anything yet.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_11:38:58", "killed": false, "user_key": "01ab595e9f200c26f4b67bd62daeb350", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:38 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318874, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319046": {"up_voted": false, "ip": "", "has_replies": false, "message": "Kara,<br>You may have a \"catch 22\" situation here.  Unfortunately there's a marriage penalty tied to this particular Tax Credit.  It doesn't matter if you purchase the home on your own or not.  The IRS will check to see if you filed a joint tax return with your husband and disallow the credit if they cross check his SS # and find that he claimed mortgage interest on the other house even though he didn't technically own it.  The sad fact is that had you not been married when you purchased your new house last month the situation of whether he owned a house or not would not matter.  I don't know how long he \"owned\" the other house but the only way I see for you to qualify for the credit would be if he went back and filed amended returns for every year in which he claimed the mortgage interest deduction and recalculated his tax liability.  It might be worth it if he's only had the house 2 or 3 years but likely not worth the hassle he's been claiming mortgage interest paid for 5 years or longer.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_13:55:56", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 01:55 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319040, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319047": {"up_voted": false, "ip": "", "has_replies": false, "message": "The answer to this question depends on how much paperwork you want to get into and how long you are willing to wait for the tax credit.  It's only necessary for 1 of you to file an amended return and submit it via snail mail to the IRS with your 5405 form and proof of purchase attached; however, it's taking up to 18 weeks now for people filing amended returns to expect their checks according to the IRS.  In other words if you file the necessary paperwork by 08/05/09 you likely won't receive your check until right around Christmas.  If it were me I think I'd just wait now and file for the credit on the joint return you and your wife will be filing in early 2010.  Then you can file electronically and get the benefit of the credit within only 2 or 3 weeks from the filing date with a lot less hassle.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_14:03:52", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 02:03 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319041, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319048": {"up_voted": false, "ip": "", "has_replies": true, "message": "If it seems like the IRS is making up some of these rules as they go along it's only because it's true.  This program is much like when Congress passes a law that requires government agencies to do something but fails to provide the funding to implement it.  The IRS had this dropped on them with very little warning and no suggestions of how to handle the increased manual paperwork.  I don't think the Administration and Congress realized that form 1040X is one of the few forms that can NOT be filed electroncially so every one has to be handled manually.  I think they're probably doing the best they can under the circumstances.  If you submitted your 1040X with only the 5405 form attached you can definitely expect to be asked to provide some kind of proof that you actually purchased a home.  My suggestion is to include a copy of your legal size Settlement Closing Sheet unless it was a brand new home in which case a Certificate of Occupancy will do for homes located in municipalities who issue those forms.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_14:13:20", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 02:13 PM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21319043, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319049": {"up_voted": false, "ip": "", "has_replies": false, "message": "I'm afraid the news is not good with this answer.  If you were on a title to a home, whether by yourself or with someone else, you do not qualify.  Because you've remarried your new wife can not qualify either since as her husband you DID have an ownership interest in another home within the prior 3 years.  Your new partner would qualify ONLY if she had not married you and could still qualify for a mortgage loan on her own.  Yes it's true.  Had you simply moved in together and not gotten married until after SHE purchased a home she could have qualified.  As to the escrow issue the answer again is no.  The closing Settlement Statement can not be dated later than 12/01/09.........unless Congress should decide to extend the offer.  The economy will probably dictate whether this act is renewed or amended past 12/01/09.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_14:22:04", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 02:22 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319044, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319050": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, that presents a problem as I can't just randomly send that in.  I'm supposing they'll send a request for it, and if this is want is necessary then it should have been placed on the insturctions. (not your fault, but the federal government is annoying!)", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_14:23:24", "killed": false, "user_key": "685e5df42ec96bf303f0ddccc705ab4c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 02:23 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319048, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319051": {"up_voted": false, "ip": "", "has_replies": true, "message": "I am trying to find a bank that will allow me to use the $8000 tax credit for a down payment. If anyone has info on this please email me at.          <a href=\"mailto:james.liquid@gmail.com\" rel=\"nofollow\">james.liquid@gmail.com</a><br>                                                                                        subject: tax credit", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-31_15:41:01", "killed": false, "user_key": "3af0a9849f16254a3b375e414e0183dd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/31/2009 03:41 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319052": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've found generally that a local real estate broker (not just an agent) can tell you if there are any lenders located in your area who will allow that.  The people who are really in the know on that subject though are the Mortgage Loan Originators who work for Mortgage Brokers or Mortgage Bankers.  They have access to sometimes as many as 20 different lenders and programs where most banks' mortgage loan departments only use 1 or 2 secondary markets.  I know of no banks anywhere who'll make an in house loan (meaning they intend to keep and service the loan themselves) and allow the Tax Credit to be used as all or part of your down payment.  The Feds have really tightened down on the banks as to how creative they're allowed to be anymore.  I have heard there are a few lenders sprinkled across the country who will allow the Tax Credit to be used in that manner but I think they charge interest on the $8,000 until you actually receive the check which could be several months.  There simply isn't a lot of creative lending going on now for obvious reasons.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-31_19:06:54", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/31/2009 07:06 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319051, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319053": {"up_voted": false, "ip": "", "has_replies": true, "message": "I have a client who is purchasing a home from a trust that his grandprents were the trustees for.  They never owned the property in their own name - it was purchased by the trust.  Would the IRS consider this a family transfer?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-31_19:28:40", "killed": false, "user_key": "6d5fd6881f9c70486fa096e638d07895", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/31/2009 07:28 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319054": {"up_voted": false, "ip": "", "has_replies": false, "message": "My wife and I filed an ammended return (via our tax attorney) in the first week of June. We sent a hard copy via certified mail. It is now August and we haven't recieved any answer on the time frame. The blanket answer of \"6-8 weeks\" seems to be false. Additionally, our tax attorney states there is no way to track the payment/ refund like you can on your traditional tax forms. The best guesstimate I have been able to verify is that folks will be getting these incentive payments more toward the end of the year.<br>This is obviously a bummer, but with the way the IRS is processing these ammended forms there is simply no dependable way of setting time tables.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-01_13:38:56", "killed": false, "user_key": "0ee204fc8405b6b12740a1619b8c825d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/01/2009 01:38 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319026, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319055": {"up_voted": false, "ip": "", "has_replies": false, "message": "Technically, they never owned the property since it was held in the Trust's name; however, I'm not a tax attorney and this is probably a question better suited for an expert.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-03_12:34:42", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/03/2009 12:34 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319053, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319056": {"up_voted": false, "ip": "", "has_replies": true, "message": "I have been reading through all the post and have not seen a clear conclusion, it may be that there is not a clear answer, but:<br><br>1.  Can you file the amended tax return using Turbo Tax?<br>2.  What is the ETA on refund arrival:<br>     A. Direct deposit to an account<br>     B. Certified mail", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-04_11:39:13", "killed": false, "user_key": "d9742a0e00ae52333cac062013bd7ff5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/04/2009 11:39 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319057": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think the questions have been addressed over a period of several weeks but not all at one time.<br>1.  While you may prepare your amended tax return (1040X) on Turbo Tax you CAN NOT file an amended return electroncially.  You'll need to complete the amended return, include form 5405 (claiming the tax credit) along with a copy of your Settlement Sheet proving you actually did purchase a home and then mail the entire package to Uncle Sam.<br>2.  ETA has been 16 weeks and counting.  I am no longer advising folks to file the amended return because of the huge backlog the IRS is trying to slog through.  My advice now is to simply wait and file the 5405 form and copy of your Settlement Sheet along with your 2009 return because you CAN file that one electronically.  The difference is that when you file electronically you'll tend to get you refund (and $8,000 Tax Credit in this case) quickly, like within 3 weeks of filing.  That doesn't mean they might not have more questions about your return later but at least you'll have the money quickly and (A) Yes, they'll deposit it into your designated bank account right along with your refund if any.  (B)  While many people advise to send tax returns certified with a return receipt requested I've still seen them lose the returns and require the filer to prepare another one.  The good thing about Turbo Tax combined with Electronic Filing (remember, I'm advising to wait now until you file your 2009 return) is that it only takes about 5 minutes to create another copy if you need it.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-04_17:45:51", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/04/2009 05:45 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319056, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319058": {"up_voted": false, "ip": "", "has_replies": true, "message": "Gary,<br>Thank for for that last response to someone, it made things much clearer... too bad I didn't know this advise a couple months ago as I've already filed mine... But here is my problem when I sent in my amended return with the 1040x and the 5405 I did not see anywhere where I was asked to send in the settlement sheet.  (I did this through turbo tax in May)... what will that mean for me? Will they contact me and tell me they need the additional documentation or should I attempt to contact them?<br><br>Thanks, Karen", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-04_18:14:17", "killed": false, "user_key": "685e5df42ec96bf303f0ddccc705ab4c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/04/2009 06:14 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319059": {"up_voted": false, "ip": "", "has_replies": false, "message": "&gt; The best thing you can do at this point is just be patient and wait for them to contact you.  It seems most people who are contacting the IRS themselves right now are getting different answers to the same questions, depending on which IRS employee they speak with.  As frustrating as it is, take heart in the fact that you will eventually get your check.  Who knows?  Maybe it'll be just in time for Christmas!!  I agree this stimulus check could help jump start our economy sooner if we could just get our hands on the promised money earlier.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-04_18:48:26", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/04/2009 06:48 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319058, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319060": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just FYI to all of those who have already purchased and are filing for the $8,000 tax credit.  If you send in your Form HUD-1, that you received when you closed on your house, with your 1040X and 5405 completed forms, your credit will arrive much quicker.  If the IRS only receives the 1040x and 5405 forms, the purchase has to be verified manually before they can approve the refund, which definitely slows it down.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-06_06:15:40", "killed": false, "user_key": "19d82ead6944154d0d0821a4daa464ab", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/06/2009 06:15 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 3, "author_is_creator": false, "is_realtime": false}, "21319061": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hello,<br><br>I am planning to buy the house that I am renting from my landlord. Do I qualify for the 8000 credit?.<br><br>I was reading the form and it says \"ou sell the home, or it ceases to be your main home, before the end of 2008.\" <br><br>Is not my house but is my main residence, I wonder if I still qualify for the credit?<br><br>Thanks in advance for your reply.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-07_11:59:50", "killed": false, "user_key": "66a4b26c59d18383e8381d036d5baae7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/07/2009 11:59 AM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319062": {"up_voted": false, "ip": "", "has_replies": true, "message": "Fansntt,  <br>You are very observant; however, keep in mind this form was originally a 2008 edition and the IRS was in such a hurry to get this form updated that they finally decided to use a hybrid version.  That's why some of the info refers to homes purchased in 2008 but most of the form refers to homes purchased in 2009.  The quote you refer to on page 1 was supposed to be removed from the form before it was released for print.  The very latest editions do not refer to that \"cease to occupy before the end of 2008\" nonsense.  If you'll scan on down to page 2, you'll find this verbiage for those who purchased or intend to purchase in 2009 (current deadline to purchase is 12/01/09).  It states \"If you cease to own or otherwise sell this primary residence within 36 months of the date you acquire it you will be responsible to repay all the money you received as a Tax Credit\".  Your form may read slightly different but I'm quoting from the latest revision to form 5405.  Now, as to purchasing the home you reside in from your landlord the IRS draws no line against that as long as your landlord is not also an immediate family member.  Even if you leased the house with an option to buy,  the only date that matters is the closing date when the home becomes officially yours as the new owner.  Don't forget to attach the HUD-1 form, also referred to by many as the Settlement Sheet.  It's a legal size form and accounts for all the debits and credits involved with the transaction such as earnest money deposit, prepaid taxes and escrow amounts for future insurance premiums, etc. etc. etc.  I hope this helps.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-07_13:57:49", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/07/2009 01:57 PM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21319061, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319063": {"up_voted": false, "ip": "", "has_replies": true, "message": "I've read through the questions and realize mine is very similar to many already asked, so I apologize for asking it again, but I think it's a tad different - here goes: I own a home, my fiance does not and qualifies as a fhb.  If we marry and he (not me) buys a house (my name will not be on the deed), will he still qualify for the $8k tax credit?  Thanks so much for responding!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-07_18:51:37", "killed": false, "user_key": "460b1895e08025c51d9ef667391297c8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/07/2009 06:51 PM", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319064": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks Gary!.. that was very helpful... Very confusing IRS forms tho.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-08_11:10:46", "killed": false, "user_key": "66a4b26c59d18383e8381d036d5baae7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/08/2009 11:10 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319062, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319065": {"up_voted": false, "ip": "", "has_replies": true, "message": "I think I found my answer on the form 5405 - if we're married and I'm not on the mortgage, he would only get half of the $8K...  If this is incorrect, would someone reply?  Thanks again!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-09_00:38:21", "killed": false, "user_key": "460b1895e08025c51d9ef667391297c8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/09/2009 12:38 AM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21319063, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319066": {"up_voted": false, "ip": "", "has_replies": true, "message": "Hi a quick question... maybe someone can suggest some alternatives for my brother and I...<br><br>We would like to buy a home and qualify for the $8K credit...However our credit/income situation is a little unique and banks obviously are not into \"unique\" anymore!!<br><br>I have a credit score of 802...However, I am an independent IT consultant and my income is not as 'documentable' as banks would like!  (About 30K yr for the last 5 yrs)<br><br>My brother's credit stinks... and in fact he does'nt have a credit score...due to some health related obligations he was unable to pay he is considering a bankruptcy filing to clear those debts so as to rebuild his credit in the future.  What he does have though is a guaranteed monthly income from SSN/Disability and State Workman's compensation of $3000 per month until he dies...I will also qualify for SSN in 4+ years for about $1600 a month...<br><br>What we want to do is buy a small house or condo as our primary residence... hopefully using/combining his guaranteed income...my somewhat documented (last 3 years IRS) income and my excellent credit rating...We both have zero outstanding debt  (or in my brothers case will have shortly)...<br><br>We would put mortgage insurance on the house to pay it off in the event of either of us passing (either via the loan or life insurance policies)...with the intent that whomever stands last has somewhere paid for to live...<br><br>It seems that our plan is a little more difficult to put into place that we thought...Originally the plan was to buy FHA and go...but they wont use my superb credit combined with my brothers guaranteed income to generate financing!  (He has no crdit score and since he will file bancruptcy shortly wont have one for awhile)  Land contacts and lease options are an option , but we then lose the $8k stimulus funding...As usual these so called government  help plans for the little guy have catch 22s all over the place...<br><br>As a pair we would represent excellent credit  (mime) and no-risk income (his) now to pay a loan...In 4 years we would add my $1600 SSN to the guaranteed income stream...We want to buy now to take advantage of the low rates and $8K stimulus..is there any way you can suggest we might get financing to buy??<br><br>thx<br><br>gary", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_11:55:35", "killed": false, "user_key": "39b279e950d46f0761ebec066db8b20b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 11:55 AM", "approved": true, "num_replies": 4, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319067": {"up_voted": false, "ip": "", "has_replies": true, "message": "Steph,<br>You did find the correct answer.........technically.  If you can figure out how to postpone your marriage until after he closes on a house, he can claim the entire $8,000.  If you marry first and then he purchases a home, he gets only half.  Kind of a marriage penalty.  I'm not giving tax advice here but if your plans won't allow you to change your wedding date some couples have chosen not to file joint returns for 2009 and instead wait until the year AFTER they get married to file jointly.  Remember though if you should choose to continue fililng separate 1040 forms as single people  you should also not claim each other as exemptions for 2009.  A cross check would match up Social Security numbers and you'd risk losing even the $4,000.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_12:49:17", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 12:49 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21319065, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319068": {"up_voted": false, "ip": "", "has_replies": true, "message": "FYI...found this Q&amp;A on the IRS website...<br><br>Q. Can a taxpayer claim the first-time homebuyer credit if the purchase is pursuant to a seller financing arrangement (for example, a contract for deed, installment land sale contract, or long-term land contract), and the seller retains legal title to secure the taxpayer's payment obligations?<br> <br>A. If the taxpayer obtains the \"benefits and burdens\" of ownership of a residence in a seller financing arrangement, then the taxpayer can claim the credit even though the seller retains legal title. Factors that indicate that a taxpayer has the benefits and burdens of ownership include: 1. the right of possession, 2. the right to obtain legal title upon full payment of the purchase price, 3. the right to construct improvements, 4. the obligation to pay property taxes, 5. the risk of loss, 6. the responsibility to insure the property and 7. the duty to maintain the property. (New 7/2/09<br><br>Carolyn", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_15:11:56", "killed": false, "user_key": "e1e1d2833d61f51ef008f883fa51688b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 03:11 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319069": {"up_voted": false, "ip": "", "has_replies": true, "message": "Please don't be offended but where you see your good credit and your brother's guaranteed income, a lender sees his bad credit and your \"so so\" documented irregular income.  In today's lending climate the rule of thumb is pretty much no bad credit accepted and 20% down payment is preferred.  Actually, this is exactly what home lending used to look like 20 to 30 years ago.  Regulators are jumping all over lenders who try to put together \"creative\" financing arrangements.  Your brother is just pretty much out of the market unless as you say, you can find a seller willing to finance the sale individually or lease w/option to buy.  You can probably qualify for a mortgage on your own although it may not be for as much money as your preferred house costs.  As far as future income is concerned the lender will not even take that into consideration in the present environment.  Documented history is the only thing they'll consider.  Good luck, it's going to be tough to qualify for any Tax Credit on your proposed method of puchasing/financing.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_15:19:07", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 03:19 PM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21319066, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319070": {"up_voted": false, "ip": "", "has_replies": true, "message": "Thanks for the response...I've pretty much come to the same conclusion...just wanted to bounce it off someone to make sure I wasnt overlooking anything!  I have done a successfull land contract in the past...looks like another is required now!!  <br><br>thx  <br><br>gary", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_16:57:41", "killed": false, "user_key": "39b279e950d46f0761ebec066db8b20b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 04:57 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21319069, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319071": {"up_voted": false, "ip": "", "has_replies": false, "message": "So does this mean that LAND CONTRACTS/CONTRACTS to DEED and LEASE TO BUY ...qctually do qualify??  Can this be sonfirmed Y/N??<br><br>thx<br><br>gary", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_17:02:51", "killed": false, "user_key": "39b279e950d46f0761ebec066db8b20b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 05:02 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319068, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319072": {"up_voted": false, "ip": "", "has_replies": false, "message": "Definitely have an attorney draw up the paperwork on a land contract to be sure you comply with ALL the conditions.  Many contracts do NOT cover all the bases mentioned on the IRS web site.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_17:35:31", "killed": false, "user_key": "3ad1b7beec5996fc07c3d3749c5dc24f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 05:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319070, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319073": {"up_voted": false, "ip": "", "has_replies": true, "message": "I filed 2008's taxes in March 2009. <br><br>My AGI was over $95,000.<br><br>I purchased a home May 1, 2009.<br><br>This year my AGI will be $75,000.<br><br>Do I file a 1040X with 5405 and ammend last years return, or do I wait until January/Feb 2010 and file at that point?<br><br>Will I get $0 if I do the ammendment? ($95K AGI rule)<br><br>Thanks,<br><br>Chris", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-10_19:28:58", "killed": false, "user_key": "623839e54eb7e053176088e1aa88fcf4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2009 07:28 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319074": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks Gary!  It's funny to think that we're getting paid by the government to not get married...", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-08-15_09:17:39", "killed": false, "user_key": "460b1895e08025c51d9ef667391297c8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/15/2009 09:17 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319067, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319075": {"up_voted": false, "ip": "", "has_replies": false, "message": "irs sent me a letter saying they need my settlement papers in order to mail my credit.  i have waited 120 days(16 weeks) now i must wait longer. does anyone know how long the wait after you send irs  settlement papers. i faxed this to speed up the process.l", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-15_23:29:12", "killed": false, "user_key": "30e83c9226392380493a4a2eac5f61e6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/15/2009 11:29 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319076": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am having a real problem figuring this out (duh) - I am going to buy a house this month for $106,000 - do I get 10% of that, or $8000????  I earn less than 30,000 a year.  HELP??", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-16_18:23:38", "killed": false, "user_key": "7c8c5ff3eab9e0f0c7b34fe0f97ce0c7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/16/2009 06:23 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319077": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband &amp; I have not owned a personal home for 3 1/2 years. But, we built &amp; sold a house in 2007. We never lived in the house &amp; there was no motgage in our name, just the builders loan was in our name. Do we still qualify for the $8000 credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-18_11:04:12", "killed": false, "user_key": "42b4deda0e1554db0ab5839cfe94a113", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/18/2009 11:04 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319078": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband and I purchased a town home about 5 years ago for our son and took out a kiddie condo loan and his name is on the deed.  We are totally responsible for the loan and claim everything on our tax return.  He has never made any claims on his tax return for the mortgage interest or anything dealing with the property of any sort and is now interested in purchasing a home.   Would he qualify for the $8,000.00.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-19_18:12:59", "killed": false, "user_key": "77865c43a590098d8a8b18d6e742fe70", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/19/2009 06:12 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319079": {"up_voted": false, "ip": "", "has_replies": false, "message": "I purchased a home this year in March and i still havent filed for the Home buyers Tax credit can i wait until i file for my taxes next year to claim it or do i have a deadline? and also i had a baby in March also and im currently not claiming her as a dependant can i eait until  i file my taxes next year?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-26_09:13:56", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/26/2009 09:13 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319080": {"up_voted": false, "ip": "", "has_replies": true, "message": "Is it correct that you don't qualify for the 8,000.00, if you purchase a home from a relative.  My parents are retired and moved, my fiancee and i are renting the home and would like to buy the home from my parents but some one told us we couldn't qualify for the credit.  Can you explain?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-29_15:11:23", "killed": false, "user_key": "03819416d54206a7e8bd32426411819a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/29/2009 03:11 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319081": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi   To qualify for the $8000 credit,  do you have to close escrow  by Nov. 30, 2009?  Or do you just have to be in escrow and can you close after Nov. 30, 2009?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-01_16:48:22", "killed": false, "user_key": "87248d7718c8e05184cff9e6bfc0e85a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/01/2009 04:48 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319082": {"up_voted": false, "ip": "", "has_replies": true, "message": "HI. i bought a house on 03 /10 /09 and i paid cash for it.. do i qualify for the $8000 ...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-01_23:26:09", "killed": false, "user_key": "2c4f964fc3f71e597506509a30e24e8e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/01/2009 11:26 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319083": {"up_voted": false, "ip": "", "has_replies": false, "message": "HI GARY, If i have not filed for the home buyers tax credit can i wait until i file for my 08 taxes next year?? i purchased in march 08", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-02_09:32:10", "killed": false, "user_key": "322745465086a715047c0ec7889cfb26", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/02/2009 09:32 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318969, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319084": {"up_voted": false, "ip": "", "has_replies": false, "message": "Gary,<br>Since you and your brother only want to buy a \"small house or condo\", why not see how much loan YOU could qualify for alone - and then try everyway possible to put the rest as a down payment (current savings, you and bro saving every penny between now and closing, borrowing from relatives, etc....).  I assume your brother is currently living with you in an apartment...if not, he should be and should be saving MOST of his 3,000/mo for his/your home purchase.   For example, if YOU alone could qualify for a 50,000 loan and you+bro could scratch together 30,000 between now and Nov 30, you could buy a small condo for 80,000 (in many parts of the midwest/south anyway) and still get the 8,000 credit - all to you.  You will also not have to pay the expensive Mortgage Insurance since you will have &gt;20% down.  To Gary's point about lenders though, if you are looking to buy a 200,000 house/condo, you are out of luck, because you simply don't qualify and shouldn't be buying anyway.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-04_21:32:35", "killed": false, "user_key": "4a4b7bd5c50aed7a4c7877679d6f2750", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/04/2009 09:32 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21319066, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319085": {"up_voted": false, "ip": "", "has_replies": false, "message": "Javier,<br>Paying cash doesn't matter, so you WILL qualify given you meet the other criteria...income, not buying from a relative, occupancy date, etc...  To be clear, the 8000 tax credit is for \"Buying a home\", not for taking out a loan!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-04_21:49:41", "killed": false, "user_key": "4a4b7bd5c50aed7a4c7877679d6f2750", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/04/2009 09:49 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319082, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319086": {"up_voted": false, "ip": "", "has_replies": false, "message": "Chris,<br>Yes...to filing next year for your 2009 taxes.  You do not qualify if you file on your 2008 taxes (you made too much).  You will get $0 if you file an amended 2008 return.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-04_21:55:02", "killed": false, "user_key": "4a4b7bd5c50aed7a4c7877679d6f2750", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/04/2009 09:55 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319073, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319088": {"up_voted": false, "ip": "", "has_replies": false, "message": "Joan,<br>Correct, YOU can NOT buy from your parents and still qualify...however, your FIANCE can - assuming he meets all the other qualifications of FTB, Income limits, etc...  Just make sure that your \"FIANCE\" buys it and in his name only...if you get married before the purchase, then all bets are OFF as he will then be your husband and he will no longer qualify (weird but true).  Hope this helps...you are in better shape than newlyweds!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-05_00:21:15", "killed": false, "user_key": "4a4b7bd5c50aed7a4c7877679d6f2750", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/05/2009 12:21 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319080, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319089": {"up_voted": false, "ip": "", "has_replies": false, "message": "I recently purchased a house and filed the ammendment for my 2008 tax return so I could recieve the tax credit now as apposed to later. I filled it out with the closing date which at that time was in the future. The IRS sent it back saying we needed to be owners of the house before we could apply for the credit. I have since sent in a new form with the correct date and own the house. Should this cause much of a problem in recieving my tax credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-05_12:39:49", "killed": false, "user_key": "ce3024713664d3fe1270363ab44a33bf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/05/2009 12:39 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319090": {"up_voted": false, "ip": "", "has_replies": true, "message": "If I recieved my tax return direct deposit, is the FTHB Credit going to be deposited electronically or mailed via paper check?  Also, if it was mailed paper check, and on my amended return, i selected not to update address with IRS, will they then (if mailing paper) send it to the address that was listed on my original return, or automatically send it to the FTHB address that is listed?  Thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-06_16:47:11", "killed": false, "user_key": "608d5eeb303ce4af97ba348ba77d5bf5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/06/2009 04:47 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319091": {"up_voted": false, "ip": "", "has_replies": true, "message": "Okay, somebody help me PLEASE! <br>We purchased a new home in August of 2008. We did not claim the First Time Buyer Credit on our taxes for 2008. Now it is 2009 and we want the credit.  Do I have to amend my 2008 taxes?? Or can I claim the credit on my 2009 taxes?? This is so stressful! Somebody just give me $7500 PLEASE! : )", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-18_18:35:26", "killed": false, "user_key": "fa784c70b86d142154766c2133c0c52c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/18/2009 06:35 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319092": {"up_voted": false, "ip": "", "has_replies": false, "message": "We sold our house in Sept of 2006 but due to the buyers financing we had to \"re\" close Oct. 12, 2006 and will close on our newly constructed home Oct. 1, 2009. Will be be able to get the credit? In Sept we had to be out of the house, give the keys to the new buyer and then was called the next week that we needed to \"re\" close....I cannot adjust my Oct. 1st closing the bank says our construction loan is up and we must close on that day....Help!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-21_19:37:38", "killed": false, "user_key": "2ab041a4f705461f1289f46053887530", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/21/2009 07:37 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318840, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319094": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have the same question as Antonio. I am closing on my house in two days and mailing in the 1040x and 5405 the same day. I originally got my tax return direct deposited to my bank account. However I recently closed that bank account. I am wondering if my FTHB credit will get direct deposited as well just because my initial tax refund was direct deposit? Or will it come by check? <br><br>Thanks", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-22_23:05:36", "killed": false, "user_key": "3f0921eb8ff7b0667d0799ddf7316a19", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/22/2009 11:05 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21319090, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319095": {"up_voted": false, "ip": "", "has_replies": false, "message": "update it took 16 weeks for irs to get my return to processing. then they needed  closing papers  2 weeks later (18 weeks) they said they would get back to me. 2 weeks later (20 weeks)  2 weeks later(22 weeks) i get letter saying i will get  my 8000 credit  and interest . today oct 5 i finally get my check. total wait 5 months 20 days. i will pray for everyone else to get their credit soon.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-05_20:07:05", "killed": false, "user_key": "30e83c9226392380493a4a2eac5f61e6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/05/2009 08:07 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319096": {"up_voted": false, "ip": "", "has_replies": false, "message": "My question is I bought a house in 2001. My wife was not working at that time and I was the only income used to secure the loan. I think my wife is on the Deed. We just bought another home a few months ago using my wife as the primary, I am on the loan also. Would my wife qualify for the tax credit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-06_20:42:03", "killed": false, "user_key": "10ed99b9e9cc2a8ab95afabf09037c03", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/06/2009 08:42 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319097": {"up_voted": false, "ip": "", "has_replies": false, "message": "I closed on my home a month ago and don't know what steps to take to get my tax credit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-07_11:58:45", "killed": false, "user_key": "f2116ee35f4a954bd4909c042d03d839", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/07/2009 11:58 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319098": {"up_voted": false, "ip": "", "has_replies": false, "message": "Trying to get everything filled out to amend my taxes. <br><br>Do I need to fill out anything in Part I of 1040x? Page 4 of the instructions say \"If you are providing only additional information and not changing amounts you originally reported, skip lines 1 - 33 and complete Part II and, if applicable, Part III.\"<br><br>Do I send only the 1040x and 5405 forms, or is there anything else I need to include?<br><br>Thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-07_15:21:35", "killed": false, "user_key": "65213856d9bc58ddcb4d2e1dc29066b0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/07/2009 03:21 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319099": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've filed for an amendment for the 2008 Fed tax return but I was wondering 2 things about state:<br>- Does Oregon offer additional tax credit for first-time homebuyer?<br>- Do we have to do an amendment to our state tax return as well as the fed's?<br>Thanks for your help in advance", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-12_13:04:01", "killed": false, "user_key": "b058b546508fa10d42b57c7c627283fc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/12/2009 01:04 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319100": {"up_voted": false, "ip": "", "has_replies": false, "message": "There must be a new law are something. I have heard people say that they efiled last month for the first time home buyers credit. They received some form of debit card in the mail and a week later they were issued there 8000.00 tax credit the debit card sent to them from IRS. Is this true?  Where I work at many people have been using this so call IRS issued debit card for the tax credit. have you heard of this?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-14_20:14:21", "killed": false, "user_key": "eb5eb67584ddaa23cd7685bd252292fb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/14/2009 08:14 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319101": {"up_voted": false, "ip": "", "has_replies": false, "message": "I bought my house in 2008 and did not even know about the $7500 loan amount. Is it possible for me to file for that on my 2009 taxes? I know I have to repay it over 15 years and it does seem unfair to me that those that purchased in 2009 don't, but anything will help at this point.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-19_21:16:24", "killed": false, "user_key": "de5cc528505f3951cfaf8c677afa8c69", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/19/2009 09:16 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319102": {"up_voted": false, "ip": "", "has_replies": false, "message": "If the deadline for the $8000 credit is November 31, when is the last day to file paperwork in order to qualify? Does the home have to close escrow before than or does it just have to be in process?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-20_13:46:43", "killed": false, "user_key": "f7b5e7d447735c44a6fe7336de7b8a1d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/20/2009 01:46 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319103": {"up_voted": false, "ip": "", "has_replies": false, "message": "Amanda,<br>You can still amend your 2008 Tax Return any time and claim the $7500 loan amount,which however you need repay back.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-26_20:47:31", "killed": false, "user_key": "f46165bc1aec1309da0c71d30cc1acd6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/26/2009 08:47 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21319104": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks for this GREAT 1040x &amp; 5405 guide. It made the filing process easy. You are a lifesaver!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-10-28_11:12:21", "killed": false, "user_key": "2d46432346a606c66d7ad8654d60b09a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/28/2009 11:12 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21318887, "depth": 4, "points": 0, "author_is_creator": false, "is_realtime": false}}, "integration": {"receiver_url": "", "theme": 4, "reply_position": true, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "42484854", "user_id": "anonymous", "forum_id": "214864", "hash": 9058253436016849249}, "thread": {"days_alive": 0, "slug": "how_to_claim_the_8000_home_buyer_tax_credit_of_2009", "paginate": false, "num_pages": 1, "num_posts": 268, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42484854, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "use_fb_connect": true, "forum_facebook_key": "a754e38c7443c66a17fb4f842187453e", "use_yahoo": true, "subscribed": false, "use_twitter_signin": true, "use_openid": true, "realtime_speed": 5000}, "reactions_start": 0, "settings": {"debug": false, "disqus_url": "http://disqus.com", "media_url": "http://media.disqus.com"}, "media_url": "http://media.disqus.com"};
	/* */ this.jsonData.cookie_messages = {"user_created": null, "post_has_profile": null, "post_twitter": null, "post_not_approved": null}; this.jsonData.session = {"url": null, "name": null, "email": null}; /* */

	
	this.curPageId = 'dsq-comments';

	this.frames = {};
};

var disqus_popup_reference = null;

if(typeof DsqLocal == 'undefined') {
	DsqLocal = {};
}



/**
 * Dsq.Strings: UI strings
 */
Dsq.Strings = new function() {
	this.ADD_NEW_COMMENT = "Add New Comment";
	this.LOG_INTO_DISQUS = "Log into DISQUS";
	this.USE_MEDIA = "Use Media";
	this.LOGOUT = "Logout";
	this.SHARING_OPTIONS = "Sharing options";
	this.SHARE_ON = "Share on";
	this.TWEET_THIS_COMMENT = "Tweet this comment";
	this.SHARE_ON_NEWSFEED = "Share on news feed";
	this.SEND_UPDATE_TO_YAHOO = "Send update to Yahoo!";
	this.REBLOG_ON = "Reblog on";
	this.CONFIGURE_OPTIONS = "Configure options";
	this.POST_AS = "Post as";
	this.SORT_BY = "Sort by";
	this.SUBSCRIBE_BY_EMAIL = "Subscribe by email";
	this.SUBSCRIBE_BY_RSS = "Subscribe by RSS";
	this.POPULAR_NOW = "Popular now";
	this.BEST_RATING = "Best Rating";
	this.NEWEST_FIRST = "Newest first";
	this.OLDEST_FIRST = "Oldest first";
	this.HIGHLIGHTED = "Highlighted";
	this.UNSUBSCRIBE = "Unsubscribe";
	this.REQUIRED = "Required";
	this.OPTIONAL = "Optional";
	this.YOU_ARE_COMMENTING_AS_A = "You are commenting as a";
	this.LOGIN_BELOW = "Login below";
	this.PLEASE_LOGIN_BELOW_TO_COMMENT = "Please login below to comment.";
	this.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL = "Subscribe to all comments by email";
	this.DO_NOT_SUBSCRIBE_TO_COMMENTS = "Do not subscribe to comments";
	this.REALTIME_UPDATING_IS = "Real-time updating is";
	this.ENABLED = "enabled";
	this.PAUSED = "paused";
	this.PAUSE = "Pause";
	this.RESUME = "Resume";
	this.SHOW = "Show";
	this.JUST_NOW = "Just now";
	this.REPLY = "Reply";
	this.EDIT = "Edit";
	this.FLAG = "Flag";
	this.MODERATE = "Moderate";
	this.CANCEL = "Cancel";
	this.REPLYING_TO = "Replying to";
	this.REPORT_MISSING_REACTIONS = "Report missing reactions";
	this.POST_A_COMMENT = "Post a comment";
	this.FLAG_INAPPROPRIATE_COMMENT = "Flag inappropriate comment";
	this.FLAGGED = "Flagged";
	this.NO = "No";
	this.YES = "Yes";
	this.NEVER_MIND = "Never mind";
	this.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR = "Are you sure you would like to report this comment to a moderator";
	this.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION = "This will flag comments for moderators to take action";
	this.TO_RATE_PLEASE_LOG_IN = "To rate, please log in";
	this.JUST_A_MOMENT = "Just a moment...";
	this.GUEST = "Guest";
	this.NAME = "Name";
	this.EMAIL = "Email";
  this.WEBSITE = "Website";
  this.SETTINGS = "Settings";
  this.MODERATOR_OPTIONS = "Moderator options: ";
};
// Dsq.Strings

/**
 * Dsq.FmtStrings: functions that return interpolated UI strings
 */
Dsq.FmtStrings = new function() {
	// Seems we have to use named interpolation for Django to translate. Investigate more.
	this.LOGGED_IN_AS = function(username) {
		return Dsq.Utils.interpolate('Logged in as %(username)s', {username:username});
	};

	this.LOGOUT_FROM = function(disqus) {
		return Dsq.Utils.interpolate('Logout from %(disqus)s', {disqus:disqus});
	};

	this.SHOWING_COMMENTS_FULL = function(total, num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comment", {num:num, total:total});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comments", {num:num, total:total});
		}
	};

	this.SHOWING_COMMENTS_WITHOUT_PAGINATION = function(num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comment", {num:num});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comments", {num:num});
		}
	};

	this.NUMBER_OF_COMMENTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s comment'
				: '%(num)s comments'
			), {num:num});
	};

	this.NUMBER_OF_LIKES = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s like'
				: '%(num)s likes'
			), {num:num});
	};

	this.NUMBER_OF_POINTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s point'
				: '%(num)s points'
			), {num:num});
	};
};
// Dsq.FmtStrings





Dsq.CSRF_TOKEN = '4f0bfca82e06c976a1efdd7c783a5fd0';
Dsq.COMMENTS_RE = /(<li.*?id="?dsq-comment-(\d+)"?.*?>)((?:.|\s)*?)(<\/li>)/gim;
Dsq.POST_RE = /(<div.*?id="?dsq-comment-header-(\d+)"?.*?>)((?:.|\s)*?)(<\/div>)\s*(<div.*?class="?dsq-comment-body"?.*?>)((?:.|\s)*)(<\/div>)/gim;
Dsq.POST_BODY_RE = /\s*(<div.*?id="?dsq-comment-message-(\d+)"?.*?>)((?:.|\s)*)(<\/div>)/gim;
// HACK: Safari ends with "-->" while other browsers end with "--&gt;" as expected.
Dsq.MEDIA_POST_RE = /&lt;!--\[(.*?)\]--(?:>|&gt;)/gim;



var FragmentPacket = function(reader, writer, writer_url, is_child, receiveCallback) {
	var that = this;
	this.reader = reader;
	this.writer = writer;
	this.writer_url = writer_url;

	this.is_child = is_child || false;
	this.receiveCallback = receiveCallback;

	this._lastHash = null;

	this._accumMsg = '';

	this._lastSeqno = 0;

	this.MAX_DATA_LEN	= 1024;

	this.WAIT_TIME		= 10;

	this.READY		= 0x1;
	this.WRITING	= 0x2;
	this.FIN		= 0x4;
	this.ACK		= 0x8;

};

FragmentPacket.prototype.createListener = function() {
	var that = this;
	var listener = function() {
		that.recv();
	};
	return window.setInterval(listener, 10);
};

FragmentPacket.prototype.log = function(msg) {



};

FragmentPacket.prototype.recv = function() {
	var hash;
	if (/MSIE/.test(navigator.userAgent)) {

		hash = this.reader.name;
	} else {

		var hashIndex = this.reader.location.href.indexOf('#');
		if (hashIndex == -1) {
			return;
		}
		hash = this.reader.location.href.substring(hashIndex+1);
	}
	var flags = parseInt(hash.substring(0, 4), 10);
	var seqno = parseInt(hash.substring(4, 24), 10);
	var data  = hash.substring(24);

	if (this._lastHash !== hash) {
		this._lastHash = hash;
		this.log('recv: ' + hash);

		this.log(' flags: ' + flags);
		this.log(' seqno: ' + seqno + ' len: ' + hash.substring(4, 24).length + ' (' + hash.substring(4, 24) + ')');
		this.log(' data: ' + data + ' len: ' + data.length);

		this._lastSeqno = seqno;

		if (flags & this.WRITING) {
			this._accumMsg += data;
			this.sendFlag(this.ACK, seqno);
			if (flags & this.FIN) {
				this.log('recv finished: ' + decodeURIComponent(this._accumMsg));
				this.receiveCallback(decodeURIComponent(this._accumMsg));

				this._accumMsg = '';

				this.sendFlag(this.READY | this.ACK, this._lastSeqno);
			}
		}
	}

	return {
		flags: flags,
		seqno: seqno,
		data: data
	};
};

FragmentPacket.prototype.sendRawPacket = function(packet) {
	if (/MSIE/.test(navigator.userAgent)) {
		this.writer.name = packet;
	} else {

		this.writer.location.href = this.writer_url + '#' + packet;
	}

};

FragmentPacket.prototype.sendFlag = function(flag, seqno) {
	this.sendRawPacket(this._zerofill(flag, 4) + this._zerofill(seqno, 20));
};

FragmentPacket.prototype.send = function(msg) {
	this._send(0, encodeURIComponent(msg));
};

FragmentPacket.prototype._send = function(packetNum, msg) {
	var that = this;
	var recvBuf = this.recv();

	if (packetNum === 0) {

		if (!(recvBuf.flags & this.READY)) {
			this.log('client is not ready, waiting...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		}
	} else {

		if (!( (recvBuf.flags & this.ACK) && (recvBuf.seqno === this._lastSeqno) )) {
			this.log('waiting for ack from client...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		} else {
			this.log('received ack: ' + this._lastSeqno + ' ' + recvBuf.seqno);
		}
	}

	var flags = this.WRITING;
	var num_packets = Math.ceil(msg.length / this.MAX_DATA_LEN);
	this.log('num_packets: ' + num_packets);

	if (num_packets === packetNum) {

		this.log('message successfully sent!');
		this.sendFlag(this.READY | this.ACK, this._lastSeqno);
		return true;
	}

	this._lastSeqno++;

	if (packetNum == num_packets-1) {
		flags |= this.FIN;
	}

	var data = msg.substring(packetNum * this.MAX_DATA_LEN, (packetNum+1) * this.MAX_DATA_LEN);
	var packet = this._zerofill(flags, 4) + this._zerofill(this._lastSeqno, 20) + data;

	this.log('sending raw packet: ' + packet);
	this.sendRawPacket(packet);

	return this._send(packetNum + 1, msg);
};

FragmentPacket.prototype._zerofill = function(num, width) {
	var retval = num.toString();
	var retval_len = retval.length;
	for (var i = 0; i < width - retval_len; i++) {
		retval = '0' + retval;
	}
	return retval;
};

var PostMessagePacket = function(receiver, receiveCallback, id, receiverId) {
	var that = this;
	this.receiver = receiver;
	this.receiveCallback = receiveCallback;
	this.id = id;


	this.receiverId = receiverId;
};

PostMessagePacket.prototype.createListener = function() {
	var that = this;

	var listener = function(e) {

		if (!that.id) {
			that.id = e.data;
			return;
		}


		var id = e.data.split(';')[0];
		if (id !== that.id) {
			return;
		}
		var data = e.data.substring(e.data.indexOf(';') + 1);

		that.receiveCallback(data);
	};

	if (typeof window.attachEvent == 'function') {
		window.attachEvent('onmessage', listener);
	} else if (typeof window.addEventListener == 'function') {
		window.addEventListener('message', listener, false);
	} else {
		throw new Error('No method found to create event listener for PostMessagePacket.');
	}
};

PostMessagePacket.prototype.send = function(msg) {



	var needs_reget = false;
	try {
		if (typeof this.receiver.id == 'undefined' || typeof this.receiver.postMessage == 'undefined') {
			needs_reget = true;
		}
	} catch(e) {


	}
	if (needs_reget && typeof this.receiverId != 'undefined') {
		this.receiver = document.getElementById(this.receiverId).contentWindow;
	}

	var packet;
	if (!msg) {

		packet = this.id;
	} else {
		packet = this.id + ';' + msg;
	}
	this.receiver.postMessage(packet, '*');
};

PostMessagePacket._last_unique_id = null;
PostMessagePacket._get_unique_id = function() {
	var id = (new Date()).getTime();
	if (id == PostMessagePacket._last_unique_id) {
		id++;
	}
	PostMessagePacket._last_unique_id = id;
	return id.toString();
};

var JsonRpc = function() {

	this.ids = {};

	this.objectToJSON = function(obj) {
		var json = '';
		var results = [];

		if (obj === undefined || obj === null) {
			return 'null';
		}

		switch (obj.constructor) {
			case Object:
				for (var property in obj) {
					if (obj.hasOwnProperty(property)) {
						results.push(this.objectToJSON(property) + ': ' + this.objectToJSON(obj[property]));
					}
				}
				json = '{' + results.join(', ') + '}';
				break;
			case Array:
				for (var i = 0; i < obj.length; i++) {
					results.push(this.objectToJSON(obj[i]));
				}
				json = '[' + results.join(', ') + ']';
				break;
			case Number:
			case Boolean:
				json = obj.toString();
				break;
			case String:

				var specialChars = {'\b': '\\b', '\t': '\\t', '\n': '\\n', '\f': '\\f', '\r': '\\r', '\\': '\\\\'};

				json = obj.replace(/[\x00-\x1f\\]/g, function(match) {
					var ch = specialChars[match];
					return ch ? ch : '\\u00' + match.charCodeAt().toPaddedString(2, 16);
				});

				json = '"' + json.replace(/"/g, '\\"') + '"';
				break;
			default:

				json = 'null';
				break;
		}

		return json;
	};

	this.createHandler = function(send_func, registered_funcs) {
		var that = this;
		var handler = function(message) {

			try {
				var rpc = eval('(' + message + ')');
			} catch(e) {
				alert('bad JSON: ' + message);
				return;
			}
			if (rpc.method) {

				if (!registered_funcs[rpc.method]) {
					return;
				}

				var retval = registered_funcs[rpc.method].apply(null, rpc.params);
				if (rpc.id) {
					var response = {
						result: retval,
						error: null,	// TODO
						id: rpc.id
					};
					send_func(that.objectToJSON(response));
				}
			} else if(rpc.result) {

				if (!that.ids[rpc.id]) {
					return;
				}

				that.ids[rpc.id](rpc.result);
				delete that.ids[rpc.id];
			}
		};
		return handler;
	};

	this.execute = function(send_func, method, params, response_callback) {
		response_callback = response_callback || null;
		var id = (response_callback) ? (new Date()).getTime() : null;

		var request = {
			method: method,
			params: params,
			id: id
		};

		send_func(this.objectToJSON(request));

		if (id) {
			this.ids[id] = response_callback;
		}
	};
};
JsonRpc = new JsonRpc();

var ParentMessenger = function(childUrl, receiverUrl, container, receiveCallback) {


	if (navigator.userAgent.indexOf('Safari') >= 0 && parseInt(navigator.userAgent.substring(navigator.userAgent.indexOf('Version/') + 8), 10) == 3) {
		throw new Error("unsupported.");
	} else if (window.opera) {
		throw new Error("unsupported.");
	}



	if (!receiverUrl &&
		navigator.userAgent.indexOf('Gecko') >= 0 &&
		parseFloat(navigator.userAgent.slice(navigator.userAgent.indexOf('rv:') + 3, navigator.userAgent.indexOf('rv:') + 6)) < 1.9) {
		throw new Error("unsupported.");
	}


	if (/msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent)) {


		if (document.domain == window.location.hostname) {
			receiverUrl = '';
		}
	}

	var that = this;
	this.childUrl = childUrl;
	this.receiverUrl = receiverUrl;
	this.container = container || document.body;

	this.packetHandler = null;


	this._ready = false;
	this._error = false;


	var _createReceiverForFragmentPacket = function() {

		that.receiver = document.createElement('iframe');
		that.receiver.src = receiverUrl;
		that.receiver.id = 'receiver_' + (new Date()).getTime();
		that.receiver.name = that.receiver.id;

		that.receiver.frameBorder = '0';
		that.receiver.frameSpacing = '0';
		that.receiver.style.borderStyle = 'none';

		var receiver_onload = function() {
			var receiver = document.getElementById(that.receiver.id).contentWindow;

			try {
				receiver.document.body.innerHTML = '';
			} catch(e) {

				that._error = true;
			}
			receiver.document.body.style.padding = '0px';
			receiver.document.body.style.margin = '0px';

			var child = receiver.document.createElement('iframe');
			child.id = 'child';
			child.name = 'child';
			child.src = that.childUrl;

			child.frameBorder = '0';
			child.frameSpacing = '0';
			child.style.borderStyle = 'none';
			child.style.width = '100%';
			child.style.height = '100%';
			receiver.document.body.appendChild(child);

			that.child = receiver.document.getElementById('child').contentWindow;
			that.receiver = receiver;

			that.packetHandler = new FragmentPacket(that.receiver, that.child, that.childUrl, false, receiveCallback);

			that._listener = that.packetHandler.createListener();

			that.packetHandler.sendFlag(that.packetHandler.READY, 0);

			that._ready = true;
		};

		that.receiver.onreadystatechange = function() {
			if (this.readyState == 'complete') {
				receiver_onload();
			}
		};

		that.receiver.onload = receiver_onload;







		if (Dsq.Utils.ie) {
			if (that.container.clientWidth === 0) {

				var _waitForWidth = function() {
					if (that.container.clientWidth > 0) {
						Dsq.Utils.fixIframesIE(that.container.id);
					} else {
						window.setTimeout(_waitForWidth, 100);
					}
				};
				_waitForWidth();

				that._once = false;
				that.receiver.onresize = function() {
					if (!that._once) {
						Dsq.Utils.fixIframesIE(that.container.id);
					}
					that._once = true;
				};
			}
		}

		that.container.appendChild(that.receiver);
	};


	var _createReceiverForPostMessage = function() {

		var receiver_onload = function() {

			that.packetHandler.send();
			that._ready = true;
		};

		var id = PostMessagePacket._get_unique_id();
		var receiverId = 'child_' + id;


		ParentMessenger['_receiver_onload_' + receiverId] = receiver_onload;

		that.container.innerHTML += '<iframe ' +
			'src="' + childUrl + '" ' +
			'id="' + receiverId + '" ' +
			'name="' + receiverId + '" ' +
			'onload="ParentMessenger._receiver_onload_' + receiverId +'();" ' +
			'></iframe>';

		that.receiver = document.getElementById(receiverId).contentWindow;
		that.packetHandler = new PostMessagePacket(that.receiver, receiveCallback, id, receiverId);
		that._listener = that.packetHandler.createListener();
	};

	if (typeof window.postMessage == 'function') {
		_createReceiverForPostMessage();
	} else {
		_createReceiverForFragmentPacket();
	}

};

ParentMessenger.prototype.sendMessage = function(message) {
	var that = this;
	if (!this._ready) {

		window.setTimeout(function() { that.sendMessage(message); }, 10);
		return;
	}
	this.packetHandler.send(message);
	return true;
};

Dsq.NewFrames = function(url) {
	this.url = url;
};

Dsq.NewFrames.prototype.init = function(onFailure) {
	var that = this;

	try {
		this.messenger = new ParentMessenger(this.url, Dsq.jsonData.integration.receiver_url, this.container, this.receive_callback);
	} catch(e) {
		if (typeof onFailure == 'function') {
			onFailure();
		}
	}

	if (typeof onFailure == 'function') {
		var iId = window.setInterval(function() {
			if (typeof that.messenger == 'undefined') {
				window.clearInterval(iId);
				return;
			}
			if (that.messenger._ready) {
				window.clearInterval(iId);
			} else if (that.messenger._error) {
				window.clearInterval(iId);
				onFailure();
			}
		}, 10);
	}
};

Dsq.NewFrames.prototype._execute = function(method, args, callback) {
	var that = this;
	if (typeof that.messenger == 'undefined') {
		return false;
	}
	JsonRpc.execute(
		function(msg) { that.messenger.sendMessage(msg); },
		method,
		args || [],
		callback);
	return true;
};

Dsq.ReplyFrame = function(container, parent_post_id) {
	var that = this;
	this.container = container;
	this.parent_post_id = parent_post_id;

	var sendFunc = function(msg) {

		Dsq.Debug.log('Dsq.ReplyFrame.sendFunc');
		that.messenger.sendMessage(msg);
	};


	var postComment_onSuccess = function(response) {
		Dsq.jsonData.posts[response.message.id] = response.message.post_meta;
		if (!Dsq.jsonData.users[response.message.post_meta.user_key]) {
			Dsq.jsonData.users[response.message.post_meta.user_key] = response.message.user_meta;
		}


		var reply_position = (typeof(disqus_insert_wrt_sort) == 'undefined' 
			? (Dsq.jsonData.forum.reply_position ? -1 : null) 
			: (Dsq.jsonData.request.sort == 2 ? null : -1));
		
		if (response.message.post_meta.approved) {
			Dsq.Post.insert(response.message.post_meta.parent_post_id || reply_position, response.message.id, response.message.post_meta.message);
		}

		Dsq.Templates.postComment_onSuccess(response, parent_post_id, response.message.id);
	};

	var postComment_onFailure = function(response) {
		Dsq.Popup.popModal(response.message, 'Error');
		Dsq.Templates.postComment_onFailure(response, parent_post_id, response.message.id);
	};

	var editComment_onSuccess = function(response) {
		var post_id = parent_post_id;
		var message = Dsq.$('dsq-comment-message-' + post_id);
		
		message.innerHTML = response.message;
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};
	
	var editComment_onFailure = function(response) {
		var post_id = parent_post_id;
		
		Dsq.Popup.popModal('Sorry, there was an error editing this comment.', 'Edit Error');
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};

	var getUserByEmail_onSuccess = function(response) {
		var msg = response.message;
		var fields = Dsq.Templates.getFormFields(parent_post_id);

		if (msg.username) {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'login', {
				'username': msg.username,
				'display_name': msg.display_name,
				'avatar_url': msg.avatar_url,
				'verified': msg.verified,
				'email': fields.email.value
			});
		} else {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'register');
		}
	};

	var validateAuth_onSuccess = function(response, auth_choice) {
		Dsq.Templates.postComment(parent_post_id, null, true, auth_choice);
	};

	var validateAuth_onFailure = function(response, auth_choice) {
		var pid = parent_post_id ? '-' + parent_post_id : '';
		var msg = response.message;

		if (auth_choice == 'register') {
			var fields = ['email', 'username', 'password'];

			for (var i = 0; i < fields.length; i++) {
				var field = fields[i];
				var errorDiv = Dsq.$('dsq-' + field + '-errors' + pid);

				if (msg[field]) {
					errorDiv.innerHTML = msg[field];
				} else {
					errorDiv.innerHTML = '';
				}
			}
		} else if (auth_choice == 'login') {
			Dsq.$('dsq-lightbox-errors' + pid).innerHTML = '<p>We couldn\'t log you in. Please verify your login.</p>';
		}
		
		Dsq.Templates.setLoadingButton(false);
	};

	this.receive_callback = JsonRpc.createHandler(sendFunc, {
		'postComment.onSuccess': postComment_onSuccess,
		'postComment.onFailure': postComment_onFailure,
		'editComment.onSuccess': editComment_onSuccess,
		'editComment.onFailure': editComment_onFailure,		
		'getUserByEmail.onSuccess': getUserByEmail_onSuccess,
		'validateAuth.onSuccess': validateAuth_onSuccess,
		'validateAuth.onFailure': validateAuth_onFailure,
		'reload': function() { window.location.reload(); }
	});

	this.url = Dsq.Urls.REPLY +
		'?' + (new Date()).getTime() +
		'&f=consumerismcommentary' +
		'&t=how_to_claim_the_8000_home_buyer_tax_credit_of_2009' +
		'&ff=' + Dsq.Thread.ff +
		'&default_text=' + disqus_default_text +
		'&ifrs=' + encodeURIComponent(disqus_iframe_css);
	if (this.parent_post_id) {
		this.url += '&parent_post=' + this.parent_post_id;
	}
};

Dsq.ReplyFrame.prototype = new Dsq.NewFrames(Dsq.ReplyFrame.url);

Dsq.ReplyFrame.prototype.post = function(author_name, author_email, author_url, authenticate, sharing_services, subscribe) {
	this._execute('postComment', [author_name, author_email, author_url, authenticate, sharing_services, subscribe]);
};

Dsq.ReplyFrame.prototype.edit = function(post_id, message) {
	this._execute('editComment', [post_id, message]);
};

Dsq.ReplyFrame.prototype.setState = function(parent_post_id, depth) {
	this._execute('setState', [parent_post_id, depth]);
};

Dsq.ReplyFrame.prototype.getUserByEmail = function(email) {
	this._execute('getUserByEmail', [email]);
};

Dsq.ReplyFrame.prototype.validateAuth = function(auth_choice, email, username, password) {
	this._execute('validateAuth', [auth_choice, email, username, password]);
};

Dsq.ReplyFrame.prototype.authenticateFacebook = function(session, forum_url) {
	this._execute('authenticateFacebook', [session, forum_url]);
};

	Dsq.Facebook = function() {
	var that = this;

	var handleSessionData = function(session) {

		var forum_url = Dsq.jsonData.forum.url;




		if (typeof disqus_facebook_forum != 'undefined') {
			forum_url = disqus_facebook_forum;
		}
		Dsq.frames.reply_0.authenticateFacebook(session, forum_url);
	};

	var onLogin = function() {
		FB.Connect.getSignedPublicSessionData(handleSessionData);
	};

	this.login = function() {
		FB.Connect.requireSession(onLogin, true);
	};
};
Dsq.Facebook = new Dsq.Facebook();


	






Dsq.Themes = {};

Dsq.Themes.narcissus = new function() {
	this.addPostContainer = 'dsq-form-area';
	this.textareaContainer = 'dsq-textarea-wrapper';



	
	this.header = function() {
		var comments_count, total_posts, num_posts;
		var html = '';
		var missing_perm_tmpl;

		if (Dsq.jsonData.request.missing_perm) {
			missing_perm_tmpl = Dsq.Templates.missingPermissions();
			if (missing_perm_tmpl) {
				html += '<div class="dsq-missing-permissions">' + missing_perm_tmpl + '</div>';
			}
		}

		total_posts = Dsq.jsonData.thread.total_posts;
		num_posts = Dsq.jsonData.thread.num_posts;

		if (total_posts) {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_FULL(total_posts, num_posts);
		} else {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_WITHOUT_PAGINATION(num_posts);
		}

		html += ' \
		<div id="dsq-comments-title"> \
			<h3>' + comments_count + '</h3> \
		</div> \
		';

		html += ' \
		<div class="dsq-options"> \
			<span class="dsq-item-sort">'
				+ Dsq.Strings.SORT_BY + ' \
				<select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);"> \
					<option value="hot" ' + (Dsq.jsonData.request.sort == 4 ? 'selected="selected"' : '') + '>' + Dsq.Strings.POPULAR_NOW + '</option> \
					<option value="best" ' + (Dsq.jsonData.request.sort == 3 ? 'selected="selected"' : '') + '>' + Dsq.Strings.BEST_RATING + '</option> \
					<option value="newest" ' + (Dsq.jsonData.request.sort == 2 ? 'selected="selected"' : '') + '>' + Dsq.Strings.NEWEST_FIRST + '</option> \
					<option value="oldest" ' + (Dsq.jsonData.request.sort == 1 ? 'selected="selected"' : '') + '>' + Dsq.Strings.OLDEST_FIRST + '</option> \
				</select> \
				&nbsp; \
			</span> \
			<span class="dsq-subscribe-email"> \
				<img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle"> \
				<span id="dsq-subscribe">'
					+ (Dsq.jsonData.context.subscribed
						? '<a href="#" onclick="Dsq.Thread.subscribe(0); return false">' + Dsq.Strings.UNSUBSCRIBE + '</a>'
						: '<a href="#" onclick="Dsq.Thread.subscribe(1); return false">' + Dsq.Strings.SUBSCRIBE_BY_EMAIL + '</a>')
				+ '</span> \
			</span> \
			<span class="dsq-subscribe-rss" style="width:12px;height:12px;vertical-align:middle"> \
				<img src="http://media.disqus.com/images/embed/bullet-feed.png" alt="" /> \
				<a href="http://consumerismcommentary.disqus.com/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/latest.rss">' + Dsq.Strings.SUBSCRIBE_BY_RSS + '</a> \
			</span> \
		</div> \
		';

		
		

		return html;

	};
	
	this.footer = function() {
		var html = '';

		html += Dsq.Templates.pagination();

		
		
			html += Dsq.Templates.realtime();
			html += Dsq.Templates.showThreadSettings();
			html += Dsq.Templates.postBox();

		html += Dsq.Templates.reactions();

		


		if (Dsq.jsonData.request.is_global_moderator) {
 			html += ' \
				<div class="dsq-global-moderator-extras">'
					+ '<strong>shortname:</strong> ' + Dsq.jsonData.forum.url
					+ '<strong>thread id:</strong> ' + Dsq.jsonData.thread.id
					+ '<strong>thread slug:</strong> ' + Dsq.jsonData.thread.slug
				+ '</div> \
			';
		}

		return html;
	};
	
	this.realtime = function() {
		var html = '';
		
		if (Dsq.jsonData.realtime_enabled) {
			html += '<div id="dsq-realtime-options" class="dsq-options">'
					 + Dsq.Strings.REALTIME_UPDATING_IS + ' <strong id="dsq-realtime-status" style="text-transform: lowercase">' + Dsq.Strings.ENABLED + '</strong>. \
					 <a href="#" id="dsq-realtime-toggle" style="text-transform: capitalize"></a> \
					</div>';
		}

		if (!Dsq.jsonData.forum.streaming_realtime) {
			html += ' \
				<div style="display: none" id="dsq-realtime-alert" class="dsq-realtime-alert"><span id="dsq-realtime-queued"></span> <a href="#" id="dsq-realtime-show"></a></div> \
			';
		}
		
		return html;
	};

	this.showThreadSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return '';
		}

		html = '<div id="dsq-thread-settings" class="dsq-thread-settings">' + Dsq.Strings.MODERATOR_OPTIONS;
		html += '<a href="#" onclick="Dsq.Thread.showSettings(); return false;">' + Dsq.Strings.SETTINGS + '</a>';
		if (Dsq.jsonData.forum.reactions_enabled && Dsq.jsonData.reactions.length === 0) {
			html += '<a href="#" onclick="Dsq.Reaction.reportMissingReactions(); return false;">'
						+ Dsq.Strings.REPORT_MISSING_REACTIONS
						+ '</a>';
		}
		html +='</div>';

		return html;
	};

	this.postBox = function(post_id, use_fallback_iframe) {


		var html;
		var display_sharing_options = Dsq.jsonData.request.is_authenticated;
		if (Dsq.jsonData.request.is_remote) {


			if (!Dsq.jsonData.request.sharing.hasOwnProperty(Dsq.jsonData.request.remote_domain)) {
				display_sharing_options = false;
			}
		}
		
		if (post_id) {
			var _meta = Dsq.jsonData.posts[post_id];
			var userData = Dsq.jsonData['users'][_meta.user_key];				
		}
		
		var pid = post_id ? '-' + post_id : '';

		var _requestUserInfo = function() {
			var html;



			var user_has_email = false;

			html = '<div class="dsq-request-user-info"> <!-- // If authenticated --> \
				<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.LOGOUT + '?ctkn=' + Dsq.CSRF_TOKEN + '" class="dsq-request-user-logout">' + Dsq.Strings.LOGOUT + '</a> \
				<table> \
					<tr> \
						<td rowspan="2">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' : '')
								+ '<img src="' + Dsq.Urls.REQUEST_USER_AVATAR + '" width="48" height="48" class="dsq-request-user-avatar">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '</a>' : '')
						+ '</td> \
						<td class="dsq-request-user-name">'
								+ (Dsq.jsonData.request.is_remote
									 ? '<span class="dsq-badge-small dsq-badge-' + Dsq.jsonData.request.remote_domain + '">' + Dsq.jsonData.request.remote_domain + '</span>'
									 : (Dsq.jsonData.request.is_verified
											? '<span class="dsq-badge-small dsq-badge-verified">Verified</span>'
											: '<span class="dsq-badge-small dsq-badge-registered">Registered</span>'))
							+ ' <a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' + Dsq.jsonData.request.display_username + '</a>'
							+  (Dsq.jsonData.request.is_remote && user_has_email ? ' <small>(<a href="#" onclick="Dsq.Popup.remoteAccountSettings(); return false;">change settings</a>)</small>' : '')
							+  (!Dsq.jsonData.request.is_remote && !Dsq.jsonData.forum.disqus_auth_disabled ? ' <small>(<a href="' + Dsq.jsonData.settings.disqus_url + '/profile/info/" target="_blank">change name</a> or <a href="' + Dsq.jsonData.settings.disqus_url + '/profile/avatar/" target="_blank">picture</a>)</small>' : '')
						+ '</td> \
					</tr> \
					<tr> \
						<td class="dsq-request-user-stats"> \
							<span><big>' + Dsq.jsonData.request.comments_count + '</big> ' + (Dsq.jsonData.request.comments_count == 1 ? 'comment' : 'comments') + '</span> \
							<span><big>' + Dsq.jsonData.request.likes_count + '</big> ' + (Dsq.jsonData.request.likes_count == 1 ? 'like' : 'likes') + '</span> \
							<span><big>' + Dsq.jsonData.request.points + '</big> ' + (Dsq.jsonData.request.points == 1 ? 'point' : 'points') + '</span> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';
			return html;
		};

		var _loginOptions = function() {
			var html;
			html = ' \
			<div class="dsq-authenticate"> \
				<p class="dsq-autheneticate-copy">'
				+ (Dsq.jsonData.forum.allow_anon_post
					? Dsq.Strings.YOU_ARE_COMMENTING_AS_A + ' <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. ' + Dsq.Strings.OPTIONAL + ': ' + Dsq.Strings.LOGIN_BELOW + '.'
					: Dsq.Strings.REQUIRED + ': ' + Dsq.Strings.PLEASE_LOGIN_BELOW_TO_COMMENT + '.')
				+ '</p> \
				<ul class="dsq-login-buttons">'
					+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Popup.login(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-disqus.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_fb_connect ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Facebook.login(); return false;"><img src="http://media.disqus.com/images/themes/narcissus/login-facebook.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_twitter_signin ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-twitter.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_openid ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.OpenID.requestURL(); return false" ><img src="http://media.disqus.com/images/themes/narcissus/login-openid.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_yahoo ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Yahoo.startYahooConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-yahoo.gif" /></a></li>' : '')
				+ '</ul> \
			</div> \
			';
			return html;
		};

		if (!Dsq.jsonData.context.show_reply) {


			if (!Dsq.jsonData.request.is_authenticated) {



				return '<div id="dsq-form-area" style="display:none"><div id="dsq-textarea-wrapper"></div></div>' + _loginOptions();
			} else {
				return '';
			}
		}

		html = ' \
		<div id="' + (post_id 
			? 'dsq-reply-post-' + post_id
			: 'dsq-new-post')
		 	+ '" class="dsq-post-area"> \
			<div class="dsq-dc-logo"> \
				<a href="http://disqus.com/comments" target="_blank"><img src="http://media.disqus.com/images/themes/narcissus/disqus-logo.png"></a> \
			</div>'
			+ (post_id 
				? '<h3>' + Dsq.Strings.REPLYING_TO + ' ' + userData.display_name + '</h3>'
				: '<h3>' + Dsq.Strings.ADD_NEW_COMMENT + '</h3>')
			+ (Dsq.jsonData.request.is_authenticated 
				? _requestUserInfo()
				: _loginOptions() )
			+ '<div id="dsq-form-area' + pid + '">'
			+ '<div class="dsq-textarea"> \
				<div class="dsq-textarea-wrapper" id="dsq-textarea-wrapper' + pid + '"></div> \
			</div>'
			+ (!Dsq.jsonData.request.is_authenticated
			? ' \
			<div class="dsq-post-fields"> \
				<form action="." method="GET" onsubmit="Dsq.Templates.postComment(' + post_id + ', this, false); return false;"> \
				<table> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-name' + pid + '" type="text" value="' + (disqus_def_name ? disqus_def_name : (Dsq.jsonData.session.name ? Dsq.jsonData.session.name : Dsq.Strings.NAME + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'name\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'name\')" /></div></td> \
						<td class="dsq-post-fields-right"><div class="dsq-input-wrapper"><input id="dsq-field-website' + pid + '" type="text" value="' + (Dsq.jsonData.session.url ? Dsq.jsonData.session.url : Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')" class="dsq-placeholder') + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'website\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'website\')" /></div></td> \
					</tr> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-email' + pid + '" type="text" value="' + (disqus_def_email ? disqus_def_email : (Dsq.jsonData.session.email ? Dsq.jsonData.session.email : Dsq.Strings.EMAIL + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'email\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'email\')" /></div></td> \
						<td class="dsq-post-fields-right"> \
							<div class="dsq-subscribe"> \
								<a href="#" onclick="Dsq.Templates.chooseSubscribe(' + post_id + '); return false" class="dsq-subscribe-menu"><span id="dsq-subscribe-select' + pid + '">' + (Dsq.jsonData.request.subscribe_on_post ? Dsq.Strings.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL : Dsq.Strings.DO_NOT_SUBSCRIBE_TO_COMMENTS) + '</span> <small>&#9660;</small></a> \
								<ul class="dsq-panel" id="dsq-subscribe-menu' + pid + '"> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(2, this, ' + post_id + '); return false">Subscribe to all comments by email</a></li> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(0, this, ' + post_id + '); return false">Do not subscribe to comments</a></li> \
								</ul> \
								<input id="dsq-subscribe-on-post' + pid + '" type="hidden" value="' + Dsq.jsonData.request.subscribe_on_post + '" /> \
							</div> \
						</td> \
					</tr> \
				</table> \
				</form> \
			</div>'
			: '')
			+ '<div class="dsq-post-footer"> \
				<div class="dsq-sharing-options" ' + (!display_sharing_options ? 'style="display:none;"' : '') + '> \
					<button class="dsq-button-small" onfocus="document.getElementById(\'dsq-post-button' + pid + '\').focus();"><span>' + Dsq.Strings.SHARING_OPTIONS + ' <small>&#9660;</small></span></button> \
					<div class="dsq-panel"> '
						+ (Dsq.jsonData.request.sharing.twitter !== undefined
								&& Dsq.jsonData.request.sharing.twitter.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-twitter' + pid + '"'
								  + (Dsq.jsonData.request.sharing.twitter.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-twitter' + pid + '">' + Dsq.Strings.SHARE_ON + ' Twitter</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.facebook
								&& (Dsq.jsonData.request.sharing.facebook.enabled === true ||
										(Dsq.jsonData.request.is_remote && Dsq.jsonData.request.remote_domain == 'facebook'))
							? '<div><input type="checkbox" id="dsq-sharing-facebook' + pid + '"'
									+ (Dsq.jsonData.request.sharing.facebook.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-facebook' + pid + '">' + Dsq.Strings.SHARE_ON + ' Facebook</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.yahoo !== undefined
								&& Dsq.jsonData.request.sharing.yahoo.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-yahoo' + pid + '"'
									+ (Dsq.jsonData.request.sharing.yahoo.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-yahoo' + pid + '">' + Dsq.Strings.SHARE_ON + ' Yahoo!</label> \
								</div>'
							: '')
						+ (Dsq.jsonData.request.sharing.tumblr !== undefined
								&& Dsq.jsonData.request.sharing.tumblr.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-tumblr' + pid + '"'
									+ (Dsq.jsonData.request.sharing.tumblr.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-tumblr' + pid + '">' + Dsq.Strings.SHARE_ON + ' Tumblr</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.wordpress !== undefined
								&& Dsq.jsonData.request.sharing.wordpress.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-wordpress' + pid + '"'
									+ (Dsq.jsonData.request.sharing.wordpress.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-wordpress' + pid + '">' + Dsq.Strings.SHARE_ON + ' Wordpress</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.movabletype !== undefined
							  && Dsq.jsonData.request.sharing.movabletype.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-movabletype' + pid + '"'
									+ (Dsq.jsonData.request.sharing.movabletype.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-movabletype' + pid + '">' + Dsq.Strings.SHARE_ON + ' Movable Type</label> \
							   </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.typepad !== undefined
							  && Dsq.jsonData.request.sharing.typepad.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-typepad' + pid + '"'
									+ (Dsq.jsonData.request.sharing.typepad.auto === true ? 'checked=true' : '') + '/> \
								  <label for="dsq-sharing-typepad' + pid + '">' + Dsq.Strings.SHARE_ON + ' TypePad</label> \
							   </div>'
							: '')
						+ '<div><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections/" target="_blank" class="dsq-configure-options">' + Dsq.Strings.CONFIGURE_OPTIONS + '</a></div>'
					+ '</div> \
				</div>'
				+ '<button class="dsq-button" id="dsq-post-button' + pid + '" onclick="Dsq.Templates.postComment(' + post_id + ', this, false)"><span>' + Dsq.Strings.POST_AS + ' '
				+ (Dsq.jsonData.request.display_username
					? Dsq.jsonData.request.display_username
					: Dsq.Strings.GUEST)
				+ '</span></button>'
				+ (post_id
					? '<button class="dsq-button" id="dsq-cancel-button' + pid + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"><span>' + Dsq.Strings.CANCEL + '</span></button>'
					: '')
			+ '</div>'
			+ '</div>' // end dsq-form-area
		+ '</div> \
		';
		
		return html;
	};




	this.appendPost = function(post_id) {
		var html = '<div id="dsq-append-post-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		html = ' \
		<table> \
			<tr> \
				<td id="dsq-header-avatar-' + post_id + '" class="dsq-header-avatar" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
					<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
					+ (Dsq.jsonData.forum.show_avatar
					? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
					: '')
				+ '</a> \
				</td> \
				<td class="dsq-comment-header-meta"> \
		';

		
		return html;
	};
	
	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var html;
		var parent_display_name = '';
		
		if(_meta.parent_post_id) {

			var _parent_meta = Dsq.jsonData.posts[_meta.parent_post_id];

			if (_parent_meta) {
				var parentUserData = Dsq.jsonData['users'][_parent_meta.user_key];
				parent_display_name = parentUserData.display_name;
			}
		}

		html = ' \
		<img src="http://media.disqus.com/images/themes/narcissus/moderator.png" class="dsq-moderator-star" title="Moderator" /> \
		<span class="dsq-comment-header-time"><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')" title="Permalink">' + (_meta.is_realtime ? Dsq.Strings.JUST_NOW : _meta.date) + '</a></span> '
		+ (_meta.parent_post_id && parent_display_name
			? '<a href="#comment-' + _meta.parent_post_id + '" title="Jump to comment">in reply to ' + parent_display_name + '</a>'
			: '')
		+ '</td> \
		<td id="dsq-like-pts-' + post_id + '" class="dsq-comment-header-likes">'
		+ (_meta.points
			? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this.'
			: '')
		+ '</td> \
		</tr> \
		</table> \
		';
		return html;
	};

	this.preBody = function(post_id) {
		var html = '';
		return html;
	};

	this.postFooter = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed || !_meta.approved) { return ''; }
		
		html = ' \
		<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
			<div class="dsq-comment-footer-left">'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
					? '<a href="#" onclick="Dsq.Templates.moderateOptions(' + post_id+ '); return false">' + Dsq.Strings.MODERATE + '</a>'
					: '')
				+ '<a href="#" id="dsq-post-report-' + post_id + '" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">' + Dsq.Strings.FLAG + '</a> \
			</div> \
			<div class="dsq-comment-footer-right">'
				+ (_meta.votable 
					? '<span id="dsq-like-' + post_id + '" class="dsq-like">'
					+ (!_meta.up_voted
						? '<button class="dsq-button-small" onclick="Dsq.Post.rate(this, ' + post_id + ', 1)" >Like</button>'
						: 'You liked this.&nbsp;&nbsp;')
					+ '</span>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<button class="dsq-button-small dsq-post-edit" onclick="Dsq.Post.edit(this, ' + post_id + ')" >' + Dsq.Strings.EDIT + '</button>'
					: '')
				+ (_meta.can_reply
					? '<span class="dsq-comment-footer-reply" id="dsq-comment-footer-reply-' + post_id + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"> \
						<button class="dsq-button-small">' + Dsq.Strings.REPLY + '</button> \
						<button class="dsq-comment-footer-reply-tab">' + Dsq.Strings.REPLY + '</button><span></span> \
					</span>'
					: '')
			+ '</div> \
		</div> \
		';
		
		return html;
	};



	
	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		var item = '<li class="dsq-comment dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-comment-header"> \
			<table> \
			<tr> \
			<td class="dsq-header-avatar"> \
			';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'" class="dsq-avatar">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {

			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar92.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += (reaction.author_url && reaction.author_url !== ''
				? '</a>'
				: '')
			+ '</td>'
			+ '<td><cite class="dsq-comment-cite">' + reaction.author_name + '</cite> <span class="dsq-comment-header-time">' + reaction.date_created + '</span></td>'
			+ '<td class="dsq-comment-header-likes"></td>'
			+ '</tr></table></div>' // end dsq-comment-header
			+ '<div class="dsq-reaction-header" \
				<table> \
					<tr> \
						<td class="dsq-reaction-header-left">'
							+ '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png" />'
							+ ' From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
							+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
						+ '</td>'
						+ '<td class="dsq-reaction-header-right">';
			
			if(reaction.retweets) {
				var num_retweets = reaction.retweets.length;
				if (num_retweets > 0) {
					if (num_retweets == 1) {
						item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
					} else {
						item += (num_retweets + ' more retweets from ');
						item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
						var n_tweets = (num_retweets > 3) ? 3 : num_retweets;
						item += Dsq.Templates.showRetweets(reaction.id, n_tweets);
						if (n_tweets != num_retweets) {
							item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
								+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
						}
					}
				}
			}	
			item += '</td></tr> \
			</table> \
			</div>' // end dsq-reaction-header
			+ '<div class="dsq-comment-body"> \
				<div class="dsq-comment-message">' + reaction.body + '</div>'
			+ '</div> \
			<div class="dsq-comment-footer"> \
				<div class="dsq-comment-footer-left"> \
				</div>'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator 
					? ' \
					<div class="dsq-comment-footer-right"> \
						<button class="dsq-button-small dsq-hide-reaction" onclick="Dsq.Reaction.hide(' + reaction.id + ')">Hide</button> \
					</div>'
					: '')
			+ '</div>'
		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}

		return '<h3 id="dsq-reactions-title" class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-container"> \
			<table> \
				<tbody> \
					<tr> \
						<td class="dsq-popup-tl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-tr"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-b"></td> \
						<td class="dsq-popup-body"> \
							<div class="dsq-popup-content"> \
								<div class="dsq-popup-title"> \
									<button class="dsq-button-small" style="float:right" onclick="Dsq.Popup._closePopup(null, true)">Close</button>' 
									+ content['header'] 
								+ '</div>'
								+ content['body']
							+ '</div> \
							<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
						</td> \
						<td class="dsq-popup-b"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-bl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-br"></td> \
					</tr> \
				</tbody> \
			</table> \
		</div> \
		';
	};



	
	this.chooseSubscribe = function(post_id) {

		var pid = post_id ? '-' + post_id : '';
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		menu.style.display = menu.style.display == 'block' ? 'none' : 'block';
		
	};
	
	this.setSubscribe = function(value, el, post_id) {

		var pid = post_id ? '-' + post_id : '';
		var input = Dsq.$('dsq-subscribe-on-post' + pid);
		var select = Dsq.$('dsq-subscribe-select' + pid);
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		select.innerHTML = el.innerHTML;
		input.value = value;
		this.chooseSubscribe(post_id);
	};
	
	this.getFormFields = function(post_id) {

		var fields = {};
		var pid = post_id ? '-' + post_id : '';
		var name = Dsq.$('dsq-field-name' + pid);
		var email = Dsq.$('dsq-field-email' + pid);
		var website = Dsq.$('dsq-field-website' + pid);
		var username = Dsq.$('dsq-field-username' + pid);
		var password = Dsq.$('dsq-field-password' + pid);

		fields = {
			'name': name,
			'email': email,
			'website': website,
			'username': username,
			'password': password
		}
		
		return fields;
	}
	
	this.validateFields = function(post_id) {
		
		if(Dsq.jsonData.request.is_authenticated) { return true; }
		
		var fields = Dsq.Templates.getFormFields(post_id);
		
		var nameField = fields.name;
		var websiteField = fields.website;
		var emailField = fields.email;
		
		websiteField.value = (websiteField.value == Dsq.Templates.placeholder['website']) ? '' : websiteField.value;
		
		var v = [{

			validator: Dsq.Validators.name,
			value: nameField.value
		}, {

			validator: Dsq.Validators.email,
			value: emailField.value
		}, {

			validator: Dsq.Validators.url,
			value: websiteField.value
		}];
		
		return Dsq.Validators.validate(v, function(e) { Dsq.Popup.popModal(e, 'Oops...') } );
	};
	
	this.checkExistingUser = function(post_id) {
		var fields = Dsq.Templates.getFormFields(post_id);		
		Dsq.Popup.loading(post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].getUserByEmail(fields.email.value);
		} else {
			Dsq.frames['reply_0'].getUserByEmail(fields.email.value);
		}
	};

	this.validateAuth = function(el_clicked, post_id, auth_choice) {
		var fields = Dsq.Templates.getFormFields(post_id);
		var email = fields.email ? fields.email.value : '';
		var username = fields.username ? fields.username.value : '';
		var password = fields.password ? fields.password.value : '';
		
		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].validateAuth(auth_choice, email, username, password);
		} else {
			Dsq.frames['reply_0'].validateAuth(auth_choice, email, username, password);
		}
	};

	this.lightboxUpdateEmail = function(post_id, new_email) {
		var fields = Dsq.Templates.getFormFields(post_id);
		fields.email.value = new_email;
	};

	this.lightboxAuthenticate = function(post_id, auth_choice, auth_data) {
		var title, body;
		var pid = post_id ? '-' + post_id : '';

		if(typeof(auth_data) == 'undefined') {
			var auth_data = Dsq.Templates.getFormFields(post_id);
		}

		d = auth_data;

		switch(auth_choice) {
			case 'register':
				var suggestedUsername = d.name.value.replace(/[^a-zA-Z0-9-]/g,'').toLowerCase();
			
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Register a <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';

				body = ' \
				<ul class="dsq-lightbox-register-reasons"> \
				<li>Verify your comments</li> \
				<li>Edit and delete comments</li> \
				<li>Manage comments and replies</li> \
				</ul> \
				';

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Email</td> \
							<td><input type="text" value="' + d.email.value + '" onchange="Dsq.Templates.lightboxUpdateEmail(' + post_id + ', this.value)" /><div id="dsq-email-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Username</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + suggestedUsername + '"/><div id="dsq-username-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Password</td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /><div id="dsq-password-errors' + pid + '"></div></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'login\'); return false">Login instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Register and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			case 'login':
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Login to your <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';
				body = '';
				
				if(d.avatar_url) {
					body += '<div class="dsq-lightbox-recognized"><table><tr>';
					body += '<td><img src="' + d.avatar_url + '" alt="" /></td>';
					body += '<td><span class="dsq-badge ' + (d.verified ? 'dsq-badge-verified' : 'dsq-badge-registered') + '">' + (d.verified ? 'Verified' : 'Registered') + '</span></td>';
					body += '<td>Hey <strong>' + d.display_name + '</strong>, is that you? Login below to claim this comment.';
					body += '</tr></table></div>';
				}

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Username or Email</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + (d.avatar_url ? d.username : '') + '" /></td> \
						</tr> \
						<tr> \
							<td>Password <a href="http://disqus.com/forgot" target="_blank">(cannot log in?)</a></td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'register\'); return false">Register instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Login and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			default:
				break;
		}
		Dsq.Popup.lightbox(body, title, post_id);
		Dsq.$('dsq-field-username' + pid).focus();
	};
	
	this.buttonsToRestore = [];
	this.setLoadingButton = function(btn, post_id) {
		var pid = post_id ? '-' + post_id : '';
		if (btn) {

			var loadingBtn = document.createElement('button');
			loadingBtn.id = btn.id + '-loading';
			loadingBtn.innerHTML = '<img src="http://media.disqus.com/images/loading-lite.gif" alt="" /> Just a moment...';
			loadingBtn.className = btn.className + ' dsq-post-loading';
			btn.parentNode.appendChild(loadingBtn);
			btn.style.display = 'none';
			var cancelBtn = Dsq.$('dsq-cancel-button' + pid);
			if(cancelBtn) { cancelBtn.style.display = 'none'; this.buttonsToRestore.push(cancelBtn); }
			this.buttonsToRestore.push(btn);
		} else {

			var buttons = this.buttonsToRestore;
			for(var i = 0; i < buttons.length; i++) {
				buttons[i].style.display = 'inline';
				Dsq.Utils.deleteNode(Dsq.$(buttons[i].id + '-loading'));
			}
		}
		
	};

	this.postComment = function(post_id, el_clicked, force, auth_choice) {
		var append_id = post_id ? '-' + post_id : '';
		var fields = Dsq.Templates.getFormFields(post_id);

		if (Dsq.Templates.validateFields(post_id)) {

			if (!Dsq.jsonData.request.is_authenticated && !force &&
				((!Dsq.Utils.readCookie('skipped_auth') && !disqus_skip_auth && !Dsq.jsonData.forum.disqus_auth_disabled) || !Dsq.jsonData.forum.allow_anon_post)) {
				Dsq.Templates.checkExistingUser(post_id);
				return false;
			}
			var params = [];
			if (!Dsq.jsonData.request.is_authenticated) {
				params.push(fields.name.value,
					fields.email.value,
					fields.website.value);

				if (auth_choice == 'login' || auth_choice == 'register') {
					params.push({
						auth_choice: auth_choice,
						username: fields.username.value,
						password: fields.password.value,
						email: fields.email.value
					});
				} else {
					params.push(null);
				}

				params.push(null /* sharing options */, Dsq.$('dsq-subscribe-on-post' + append_id).value);
			} else {
				var service_checked = function(name) {
					var el = Dsq.$('dsq-sharing-' + name + append_id);
					return (el !== null && el.checked === true) ? '1' : '0';
				};
				params.push(null, null, null, null, {
					tw: service_checked('twitter'),
					fb: service_checked('facebook'),
					tr: service_checked('tumblr'),
					wp: service_checked('wordpress'),
					mt: service_checked('movabletype'),
					tp: service_checked('typepad'),
					yh: service_checked('yahoo')
				});
			}

			var frame = Dsq.frames['reply_' + (post_id ? post_id : 0)];
			frame.post.apply(frame, params);

			if (el_clicked) {
				Dsq.Templates.setLoadingButton(el_clicked, post_id);
			}
			
			if (force) {
				Dsq.Utils.createCookie('skipped_auth', true);	
			}
			
		} else {
			return false;
		}
	};

	this.editComment = function(el_clicked, post_id) {
		var edited_message = Dsq.$('dsq-edit-textarea-' + post_id).value;

		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		Dsq.frames['edit_' + post_id].edit(post_id, edited_message);
	};

	this.toggleEdit = function(post_id) {
		var body = Dsq.$('dsq-comment-body-' + post_id);
		var message = Dsq.$('dsq-comment-message-' + post_id);

		if (!Dsq.Post.stateEditToggled[post_id]) {


			message.style.display = 'none';
			if (Dsq.$('dsq-edit-' + post_id)) {
				Dsq.$('dsq-edit-' + post_id).style.display = 'block';
			} else {

				var edit_area = document.createElement('div');
				edit_area.id = 'dsq-edit-' + post_id;
				edit_area.className = 'dsq-edit dsq-textarea';
				edit_area.innerHTML = ' \
				<div class="dsq-textarea-wrapper"> \
					<textarea class="dsq-edit-textarea" id="dsq-edit-textarea-' + post_id + '">' + message.innerHTML + '</textarea> \
				</div> \
				<div class="dsq-save-edit"> \
					<button onclick="Dsq.Templates.editComment(this, ' + post_id + ')" class="dsq-button-small">Save Edit</button> \
				</div> \
				<div id="dsq-edit-iframe-' + post_id + '" style="display: none"></div> \
				';

				body.appendChild(edit_area);

				if (!Dsq.frames['edit_' + post_id]) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['edit_' + post_id] = new Dsq.ReplyFrame(Dsq.$('dsq-edit-iframe-' + post_id), post_id);
					Dsq.frames['edit_' + post_id].init();
					Dsq.frames['edit_' + post_id].setState(post_id, _meta.depth);
				}
			}
		} else {

			message.style.display = 'block';
			Dsq.$('dsq-edit-' + post_id).style.display = 'none';
		}
		
		Dsq.Post.stateEditToggled[post_id] = !Dsq.Post.stateEditToggled[post_id];
	};
	
	this.edit = function(el, post_id) {

		Dsq.Templates.toggleEdit(post_id);
	};

	this.toggleReply = function(post_id, button) {
		
		if(!this.stateReplyToggled[post_id]) {

			if (Dsq.$('dsq-reply-post-' + post_id)) {
				Dsq.$('dsq-append-post-' + post_id).style.display = 'block';
			} else {
				Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id);
				var container = Dsq.$('dsq-textarea-wrapper-' + post_id);
				if (!Dsq.frames['reply_' + post_id] && container) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['reply_' + post_id] = new Dsq.ReplyFrame(container, post_id);
					Dsq.frames['reply_' + post_id].init(function() {

						Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id, true);
						Dsq.$('dsq-form-area-' + post_id).innerHTML = '';

						var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
						Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-form-area-' + post_id), post_id, {theme: theme});

					});
					Dsq.frames['reply_' + post_id].setState(post_id, _meta.depth);
				}
			}
			Dsq.$('dsq-append-post-' + post_id).className = 'dsq-append-post';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply-active';
			
		} else {

			Dsq.$('dsq-append-post-' + post_id).style.display = 'none';
			Dsq.$('dsq-append-post-' + post_id).className = '';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply';
		}
		
		this.stateReplyToggled[post_id] = !this.stateReplyToggled[post_id];

		if(Dsq.Utils.ie && this.stateReplyToggled[post_id]) {

		}

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: post_id,
			opened: this.stateReplyToggled[post_id]
		});
	};
	
	this.moderateOptions = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		if(!Dsq.jsonData.request.is_moderator && !Dsq.jsonData.request.is_global_moderator) { return false; }

		var html;
		
		html = ' \
		<div class="dsq-moderate-options"> \
		<table>'
		+ (_meta.email ? '<tr><td>Email</td><td>' + _meta.email + '</td></tr>' : '')
		+ (_meta.ip ? '<tr><td>IP address</td><td>' + _meta.ip + '</td></tr>' : '')
		+ '<tr> \
			<td>Actions</td> \
			<td><ul>'
			+ (Dsq.jsonData.request.moderator_can_edit
				? '<li><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Edit Comment</a></li>'
				: '')
			+ '<li><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); Dsq.Popup._closePopup(null, true); return false;">Delete Comment</a></li> \
			<li><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Mark Spam</a></li> \
			<li><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li> \
			</ul></td> \
			</table> \
		</div> \
		';
		
		html += '<p>Go to the full <a href="http://disqus.com/comments/moderate/" target="_blank">moderate panel</a> for more options.</p>';
		
		return Dsq.Popup.popModal(html, 'Moderate Options', post_id);
	};
	
	this.placeholder = {
		'class': 'dsq-placeholder',
		'name': Dsq.Strings.NAME,
		'email': Dsq.Strings.EMAIL,
		'website': Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')'
	};
	
	this.handlePlaceholder = function(evt, el, key) {
		var placeholder = Dsq.Templates.placeholder[key];
		var className = Dsq.Templates.placeholder['class'];
		
		switch(evt.type) {
			case 'focus':
				if(el.value == placeholder) {
					el.value = '';
					el.className = '';
				}
				break;

			case 'blur':
				if(el.value == '') {
					el.value = placeholder;
					el.className = className;
				}
				break;
			default:
				break;
		}
	};
	
	this.paginate = function(page, el_clicked) {

		var extra_params = '';

		if(typeof disqus_per_page != 'undefined') {
			extra_params += '&per_page=' + disqus_per_page;
		}
		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			Dsq.Templates.setLoadingButton(el_clicked);
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'how_to_claim_the_8000_home_buyer_tax_credit_of_2009'
			+ '&p='		+ page
			+ extra_params);
	};
	
	
	this.rate = function(el, id, vote) {


		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
				Dsq.$('dsq-like-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
			}
			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
				+ '?post_id='    + id
				+ '&vote='        + vote);
		} else {
			Dsq.Popup.login('To rate, please log in');
		}
	};

	this.voted = function(post_id, points, vote) {

		Dsq.$('dsq-like-pts-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this.';

		if(vote) {
			Dsq.$('dsq-like-' + post_id).innerHTML = 'You liked this.&nbsp;&nbsp;';
		}
	};




	this.postComment_onSuccess = function(response, parent_post_id, post_id) {
		var approved = response.message.post_meta.approved;

		if (parent_post_id) {
			Dsq.Post.toggleReply(parent_post_id);
		}

		Dsq.Popup._closePopup(null, true);
		
		if (approved) {
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		} else {			
			var unapproved_msg = 'Thanks for posting!\
	 Your comment must be approved by a moderator before appearing here.\
			';
			Dsq.Popup.popModal(unapproved_msg, 'Comment awaiting approval', post_id);
		}

		var sharing_results = response.message.sharing_results;
		var sharing_errors = '';
		for (var service in sharing_results) {
			if (sharing_results.hasOwnProperty(service) === true) {
				if (sharing_results[service].error === true) {
					sharing_errors += service + ', ';
				}
			}
		}

		if (sharing_results.facebook && sharing_results.facebook.callback) {
			FB.ensureInit(function() {
				FB.Connect.streamPublish('', sharing_results.facebook.attachment);
			});
		}

		if (sharing_errors !== '') {
			var message = 'Your comment was posted, but there were errors sharing with the following connections: ';
			message += sharing_errors.replace(/,\s$/, '');
			message += '<p><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections" target="_blank">Configure your connections here</a></p>'
			Dsq.Popup.popModal(message, 'Sharing options');
		}

		Dsq.Templates.setLoadingButton(false);
	};

	this.postComment_onFailure = function(response, parent_post_id, post_id) {

		Dsq.Templates.setLoadingButton(false);
	};
};




// TODO: It might be faster to use string methods to find all <li (...) </li> blocks and pass to Dsq.PostHandler manually.
Dsq.CommentsHandler = function(str, head, post_id, content, tail, offset, s) {
	var prepend_post = Dsq.Templates.prependPost(post_id);
	var append_post = Dsq.Templates.appendPost(post_id);

	content = content.replace(Dsq.POST_RE, Dsq.PostHandler);
	Dsq.Templates.postLoopCounter++;
	head = Dsq.Templates.Filters.commentContainer(post_id, head);
	return prepend_post + head + content + tail + append_post;
};

Dsq.PostHandler = function(str, h_head, post_id, h_content, h_tail, b_head, b_content, b_tail, offset, s) {
	var prepend_header = Dsq.Templates.postPrependHeader(post_id);
	var append_header = Dsq.Templates.postAppendHeader(post_id);
	var prepend_body = Dsq.Templates.preBody(post_id);
	var append_body = Dsq.Templates.postBody(post_id);
	var append_footer = Dsq.Templates.postFooter(post_id);

	b_content = b_content.replace(Dsq.POST_BODY_RE, Dsq.PostBodyHandler);
	return h_head + prepend_header + h_content + append_header + h_tail + b_head + prepend_body + b_content + append_body + b_tail + append_footer;
};

Dsq.PostBodyHandler = function(str, head, post_id, content, tail, offset, s) {
	content = Dsq.Templates.Filters.commentContent(post_id, content);
	return head + content + tail;
};

Dsq.MediaPostHandler = function(str, args, offset, s) {
	args = args.split(' ');
	if(args[0] == 'seesmic') {
		return '<br />' + Dsq.Templates.mediaSeesmic(args[1], args[2]);
	}
	return '';
};


/**
 * Shorcuts
 */
Dsq.$ = function(element) { return document.getElementById(element); };
Dsq.$b = document.body || document.getElementsByTagName('body')[0];


/**
 * Dsq.Debug: Logging functions.
 */

Dsq.Debug = new function() {this.log=function(s){};this.profile=function(f){if(typeof f == 'function')return f();else return eval(f);};};


/**
 * Dsq.Urls: URL paths
 */
Dsq.Urls = new function() {
	this.LOGIN = '/profile/login/';
	this.LOGOUT = '/logout/';
	this.REPLY = 'http://consumerismcommentary.disqus.com/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/reply.html';
	this.REQUEST_USER_PROFILE = '/AnonymousUser/';
	this.REQUEST_USER_AVATAR = 'http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg';
};
// Dsq.Urls

/**
 * Dsq.Validators: Validation for form fields
 */
Dsq.Validators = new function() {
	this.VALID_EMAIL_RE = /^[a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*\@(([a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*)+\.[a-z]{2,}|([0-9]+\.){3}[0-9]+)$/i;
	this.name = function(name) {
		var error = false;

		if(typeof Dsq.Templates.placeholder !== 'undefined' &&
		   name == Dsq.Templates.placeholder.name) {
			error = true;
		}
		if(name.length <= 1) {
			error = true;
		}

		if(error) {
			return "Please enter a name to comment.";
		} else {
			return true;
		}
	};
	this.email = function(addr) {
		if(Dsq.Validators.VALID_EMAIL_RE.test(addr)) {
			return true;
		} else {
			return "Please enter a valid email to comment.";
		}
	};
	this.url = function(addr) {
		if(!addr || addr.indexOf('.') != -1) {
			return true;
		} else {
			return "Please check your website URL (this field is optional).";
		}
	};

	this.validate = function(bulk_validation, failure_callback) {
		failure_callback = failure_callback || function(e){ alert(e); };

		for(var i = 0; i < bulk_validation.length; i++) {
			v = bulk_validation[i];
			ret = v.validator(v.value);
			if(ret !== true) {
				failure_callback(ret);
				return false;
			}
		}
		return true;
	};
};

/**
 * Dsq.Utils: Generic utility functions.
 */
Dsq.Utils = new function() {
	this.ie = /msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent);
	this.ie7 = (document.all && !window.opera && window.XMLHttpRequest) ? true : false;
	this.ie6 = (!window.XMLHttpRequest) ? true: false;
	this.webkit = navigator.userAgent.indexOf('AppleWebKit/') >= 0;
	this.gebiFromElementCollectionCache = {};
	this._styleSheet = null;

	this.gebiFromElement = function(el, id, tag) {
		// This only method only helps IE.
		if(!this.ie) {
			return Dsq.$(id);
		} else {
			var cacheKey = el.id + '-' + tag;
			tag = tag || 'div';
			if(typeof this.gebiFromElementCollectionCache[cacheKey] != 'undefined') {
				collection = this.gebiFromElementCollectionCache[cacheKey];
			} else {
				collection = el.getElementsByTagName(tag);
				this.gebiFromElementCollectionCache[cacheKey] = collection;
			}

			for(var i = 0; i < collection.length; i++) {
				if(collection[i].id == id) {
					return collection[i];
				}
			}
			return null;
		}
	};

	this.execOnReady = function(func) {
		var node = document.createElement('document:ready');
		try {
			node.doScroll('left');
			func();
			node = null;
		} catch(err) {
			setTimeout(function() { Dsq.Utils.execOnReady(func); }, 10);
		}
	};


	// Courtesy of http://www.quirksmode.org/js/cookies.html
	this.createCookie = function(name,value,days) {
		if (days) {
			var date = new Date();
			date.setTime(date.getTime()+(days*24*60*60*1000));
			var expires = "; expires="+date.toGMTString();
		}
		else var expires = "";
		document.cookie = name+"="+value+expires+"; path=/";
	};

	this.readCookie = function(name) {
		var nameEQ = name + "=";
		var ca = document.cookie.split(';');
		for(var i=0;i < ca.length;i++) {
			var c = ca[i];
			while (c.charAt(0)==' ') c = c.substring(1,c.length);
			if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length,c.length);
		}
		return null;
	};

	this.eraseCookie = function(name) {
		Dsq.Utils.createCookie(name,"",-1);
	};

	this.deleteNode = function(node) {
		if(node) {
			this.deleteChildren(node);
			if(typeof node.outerHTML != 'undefined') { node.outerHTML = ''; }
			else if(node.parentNode) { node.parentNode.removeChild(node); }
			delete node;
		}
	};

	this.deleteChildren = function(node) {
		if(node) {
			for(var x = node.childNodes.length-1; x >= 0; x--) {
				var childNode = node.childNodes[x];
				if(childNode.hasChildNodes()) { this.deleteChildren(childNode); }
				if(typeof childNode.outerHTML != 'undefined') { childNode.outerHTML = ''; }
				else node.removeChild(childNode);
				delete childNode;
			}
		}
	};

	this.findPos = function(obj) {
		var curleft = 0;
		var curtop = 0;
		if (obj.offsetParent) {
			do {
				curleft += obj.offsetLeft;
				curtop += obj.offsetTop;
			} while (obj = obj.offsetParent);
		}
		return [curleft,curtop];
	};

	this.getWindowSize = function() {
		var windowWidth = -1;
		var windowHeight = -1;

		if(typeof(window.innerWidth) == 'number') { //Non-IE
			windowWidth = window.innerWidth;
			windowHeight = window.innerHeight;
		} else if(document.documentElement) { // IE 6+ in 'standards compliant mode'
			windowWidth = document.documentElement.clientWidth || document.body.clientWidth;
			windowHeight = document.documentElement.clientHeight || document.body.clientHeight;
		}

		return [windowWidth, windowHeight];
	}

	this.getScrollPos = function() {
		var scrollWidth, scrollTop;

		if(document.documentElement && (document.documentElement.scrollTop || document.documentElement.scrollWidth)) {
			scrollWidth = document.documentElement.scrollWidth;
			// IE is weird here.  If no doctype is provided, document.body.scrollTop is 0,
			// otherwise document.documentElement.scrollTop is 0.
			scrollTop = document.documentElement.scrollTop || document.body.scrollTop;
		} else if(document.body.scrollTop && document.body.scrollWidth) {
			scrollWidth = document.body.scrollWidth;
			scrollTop = document.body.scrollTop;
		}

		return [scrollWidth, scrollTop];
	}

	this.addEventListener = function(instance, eventName, listener) {
		var listenerFn = listener;
		if (instance.addEventListener) {
			instance.addEventListener(eventName, listenerFn, false);
		} else if (instance.attachEvent) {
			listenerFn = function() {
				listener(window.event);
			};
			instance.attachEvent("on" + eventName, listenerFn);
		} else {
			throw new Error("Event registration not supported");
		}
		return {
			instance: instance,
			name: eventName,
			listener: listenerFn
		};
	};

	this.removeEventListener = function(event) {
		var instance = event.instance;
		if (instance.removeEventListener) {
			instance.removeEventListener(event.name, event.listener, false);
		} else if (instance.detachEvent) {
			instance.detachEvent("on" + event.name, event.listener);
		}
	};

	this.fixIframesIE = function(id) {
		var disqusThread = Dsq.$(disqus_container_id);
		var iframes = disqusThread.getElementsByTagName('iframe');

		if(id) {
			var container = Dsq.$(id);
		} else {
			var container = Dsq.$('dsq-content');
		}

		for(i = 0; i < iframes.length; i++) {
			if (container) {
				iframes[i].style.width = container.offsetWidth;
			}
		}
	};

	this.getElementsByClassName = function(oElm, strTagName, strClassName) {
	/* Credit: Jonathan Snook [http://www.snook.ca/jonathan], Robert Nyman [http://www.robertnyman.com] */
		var arrElements = (strTagName == "*" && oElm.all)? oElm.all : oElm.getElementsByTagName(strTagName);
		var arrReturnElements = new Array();
		strClassName = strClassName.replace(/\-/g, "\\-");
		var oRegExp = new RegExp("(^|\\s)" + strClassName + "(\\s|$)");
		var oElement;
		for(var i = 0; i < arrElements.length; i++) {
			oElement = arrElements[i];
			if(oRegExp.test(oElement.className)) {
				arrReturnElements.push(oElement);
			}
		}
		return (arrReturnElements);
	};

	this.postToUrl = function(url, post_data, opt_redirect) {
		var form = document.createElement('form');
		var iframe_container = document.createElement('div');
		var id = 'dsq-temp-iframe-' + (new Date()).getTime();

		form.method = 'POST';
		form.action = url;
		if (!opt_redirect) {
			form.target = id;
		}
		iframe_container.innerHTML = '<iframe style="display:none" name="' + id + '" id="' + id + '"></iframe>';

		for(var key in post_data) {
			if(post_data.hasOwnProperty(key)) {
				var input = document.createElement('input');
				input.name = key;
				input.type = 'hidden';
				input.value = post_data[key];

				form.appendChild(input);
			}
		}

		Dsq.$b.appendChild(iframe_container);
		Dsq.$b.appendChild(form);
		form.submit();
	};

	// Strips integer id from id of element in the form ('some-id-###')
	this.extractId = function(e) {
		var chunks = e.id.split('-');
		if(chunks.length <= 1) {
			return 0;
		} else {
			return parseInt(chunks[chunks.length-1]);
		}
	};

	this.getStyle = function(el, styleProp) {
		if(el.currentStyle) {
			var y = el.currentStyle[styleProp];
		} else if(window.getComputedStyle) {
			var y = document.defaultView.getComputedStyle(el, null).getPropertyValue(styleProp);
		}

		if(y == 'transparent' || y == '') {
			this.getStyle(el.parentNode, styleProp);
		} else {
			return y;
		}
	};

	this.execScript = function(url, append_qs, container) {
		var script = document.createElement('script');
		append_qs = typeof append_qs == 'undefined' ? true : append_qs;
		container = container || Dsq.container;

		if(append_qs) {
			var j = (url.indexOf('?') >= 0) ? '&' : '?';
			url += j + (new Date()).getTime();
		}
		script.type = 'text/javascript';
		script.charset = 'UTF-8';
		script.src = url;
		container.appendChild(script);
		return script;
	};

	this.pluralize = function(num, singular, plural) {
		return (num != 1) ? plural || 's' : singular || '';
	};

	this.getRequestParams = function(queryString /* optional */) {
		var pairs, tuple;
		var params = {};

		queryString = queryString || window.location.search.substring(1);
		pairs = queryString.split('&');

		for (var i = 0, pair; pair = pairs[i]; i++) {
			tuple = pair.split('=');
			params[tuple[0]] = (tuple[1] || true);
		}

		return params;
	};

	this.addCssRule = function(selector, styleText, index) {
		var stylesheet;
		index = index || 0;

		if(!this._styleSheet) {
			var styleEl = document.createElement('style');
			document.getElementsByTagName('head')[0].appendChild(styleEl);
			this._styleSheet = styleEl.sheet;
			if(!this._styleSheet) {
				// IE does not like our newly created stylesheet.
				this._styleSheet = document.styleSheets[document.styleSheets.length-1];
			}
		}
		stylesheet = this._styleSheet;

		if(stylesheet.insertRule) {
			var ruleText = selector + ' { ' + styleText + ' }';
			if(index == -1) {
				index = stylesheet.cssRules.length;
			}
			stylesheet.insertRule(ruleText, index);
		} else if(stylesheet.addRule) {
			stylesheet.addRule(selector, styleText, index);
		}
	};

	this.forEachIn = function(obj, callback) {
		for(var key in obj) {
			if(obj.hasOwnProperty(key)) {
				callback(key, obj[key]);
			}
		}
	};

	this._interpolateGlobalContext = {
		// values that get used a lot and are global to the request
		'profile_url': Dsq.Urls.REQUEST_USER_PROFILE,

		'disqus_url': Dsq.jsonData.settings.disqus_url,
		'media_url': Dsq.jsonData.settings.media_url,
		'request_username': Dsq.jsonData.request.username,
		'request_display_username': Dsq.jsonData.request.display_username,
		'forum_name': Dsq.jsonData.forum.name
	};

	this.renderFromContextStack = function(key, contexts) {
		// Returns the first instance of `key` in the array of objects `contexts` or else ''
		for (var i=0; i<contexts.length; i++) {
			if (contexts[i][key] !== undefined) {
				return String(contexts[i][key]);
			}
		}
		throw new Error('key ' + key + ' not found in context');
	};

	var that = this;
	this.interpolate = function(fmt, opt_localContext) {
		// Interpolate `fmt` named-format string with an assumed global context.
		// Based on `interpolate` in django.views.i18n
		var contextStack = [opt_localContext || {}, that._interpolateGlobalContext];
		return fmt.replace(/%\(\w+\)s/g, function(match){
			return that.renderFromContextStack(match.slice(2,-2), contextStack);
		});
	};

	this.stripTags = function(s) {
		// Removes HTML tags from `s`
		return s.replace(/(<([^>]+)>)/g,"");

	};

	this.assert = function(b) {
		if (!b) {
			throw new Error('Assertion error.');
		}
	};

};
// Dsq.Utils

/**
 * Dsq.Popup: Popup helper functions.
 */
Dsq.Popup = new function() {
	this.timeHide = new Array();
	this.timeShow = new Array();
	this.activePopup = {};
	this.profileCache = {};
	this.statusCache = {};

	this.showTimer = function(post_id) {
		// clear the hide timer
		clearTimeout(this.timeHide[post_id]);

		// start the timer
		if(!Dsq.Popup.profileIsOn && !Dsq.Thread.adminIsOn) {
			this.timeShow[post_id] = setTimeout("Dsq.Popup.popProfile(\"" + post_id + "\")", 400);
		}
	};

	this.hideTimer = function(post_id) {
		// clear the show timer
		clearTimeout(this.timeShow[post_id]);
	};

	this.updateProfile = function(username) {
		// Callback from /embed/profile.js
		if (this.statusCache[username]) {
			var statusEl = Dsq.$('dsq-profile-status-' + username);
			statusEl.innerHTML = this.statusCache[username];
			statusEl.style.display = 'block';
		}

		if (this.profileCache[username]) {
			var _cache = this.profileCache[username];

			var _genhtml = function(text) { return '<span><big>' + text + '</big></span>'; };
			var _no_comments = _genhtml(Dsq.FmtStrings.NUMBER_OF_COMMENTS(_cache.comments_count));
			var _no_likes = _genhtml(Dsq.FmtStrings.NUMBER_OF_LIKES(_cache.likes_count));
			var _no_points = _genhtml(Dsq.FmtStrings.NUMBER_OF_POINTS(_cache.points));

			var statsEl = Dsq.$('dsq-popup-profile-user-stats-' + username);
			statsEl.innerHTML = '';

			if (Dsq.jsonData.users[username].registered) {
				statsEl.innerHTML = _no_comments + _no_likes;
			}
			statsEl.innerHTML += _no_points;

			var activeSites = '';
			for (var i = 0; i < _cache.active_sites.length; i++) {
				var site = _cache.active_sites[i];
				activeSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (activeSites !== '') {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = activeSites;
			} else {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = 'This site.';
			}

			var moderatedSites = '';
			for (var i = 0; i < _cache.moderated_sites.length; i++) {
				var site = _cache.moderated_sites[i];
				moderatedSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (moderatedSites !== '') {
				Dsq.$('dsq-popup-profile-moderated-' + username).innerHTML = moderatedSites;
			} else {
				Dsq.$('dsq-popup-profile-moderated-wrapper-' + username).innerHTML = '';
			}
		}

		// Reposition popup after full HTML is rendered
		if(Dsq.Popup.activePopup && Dsq.Popup.activePopup.el) {
			Dsq.Popup.initPopup(Dsq.Popup.activePopup.el, Dsq.Popup.activePopup.id, Dsq.Popup.activePopup.type);
		}

	};

	this.showCookieMsgs = function() {
		var title = '';
		var message = '';
		var numAlerts = 0;

		Dsq.Utils.forEachIn(Dsq.jsonData.cookie_messages, function(k, v) {
			if (!v) return;

			switch(k) {
				// Cookie: Twitter
				case 'post_twitter':
					if (v === 'error') {
						title = 'Twitter Error!';
						message += '<li id="dsq-msg-twitter-error">Oops, we couldn\'t tweet this comment. Please check your <a href="http://disqus.com/account/services">account settings</a>.</li>';
					} else {
						var _msg = v.split(':');
						title = 'Tweeted!';
						message += '<li id="dsq-msg-twitter-success">Your comment was successfully tweeted. <a href="http://twitter.com/' + _msg[0] + '/status/' + _msg[1] + '">Click here to view the tweet</a>.</li>';
					}
					break;
				// Cookie: Unapproved Post
				case 'post_not_approved':
					title = 'Comment awaiting approval by a moderator';
					message += '<li id="dsq-msg-post-not-approved">Your comment must be approved by a moderator before appearing here.</li>';
					break;
				// Cookie: Profile Found
				case 'post_has_profile':
					title = 'Use your existing commenter profile';
					message += '<li id="dsq-msg-post-has-profile">You have just posted your commment as a <span class="dsq-badge-guest">Guest</span>, but you may already have a <span class="logo-disqus">Disqus</span> Profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a></li>';
					break;
				case 'user_created':
					var _data = v.split(':');
					title = 'Profile created!';
					message += '<li id="dsq-msg-user-created">You have just created a <span class="logo-disqus">Disqus</span> Profile, the best way to claim, manage, and track your comments all over the web. \
					<br /><br />A confirmation is being sent to <strong>' + _data[1] + '</strong>. Please check for this email in order to verify your profile. \
					<ul class="dsq-list-tick"> \
						<li>Your username is <strong>' + _data[0] +'</strong>. <a href="http://disqus.com/people/' + _data[0] + '/" target="_blank">Click here to view your public profile</a>.</li> \
						<li>Be sure to set your profile picture, as well as connect your <span class="dsq-badge-facebook">Facebook</span> and <span class="dsq-badge-twitter">Twitter</span> accounts. <a href="http://disqus.com/account/" target="_blank">Click here for account settings</a>.</li> \
					</ul> \
					</li>'
					break;
				default:
					break;
			}
			numAlerts++;
		});

		if(numAlerts > 1) {
			message = '<ul class="dsq-list-bluebullet">' + message;
			message += '</ul>';
			title = 'Thanks for posting!';
		}
		if(numAlerts > 0) {
			if(typeof(disqus_cookie_msgs) == 'function') {
				disqus_cookie_msgs(message, title);
			} else {
				Dsq.Popup.popModal(message, title);
			}
		}
	};

	this.helpBadges = function(post_id) {
		var html = ' \
			<ul class="dsq-popup-help"> \
				<li><span class="dsq-badge dsq-badge-verified">Verified</span> has a <span class="logo-disqus">Disqus</span> Profile with a confirmed email address.</li> \
				<li><span class="dsq-badge dsq-badge-registered">Registered</span> has a <span class="logo-disqus">Disqus</span> Profile, but has not yet confirmed his or her email address.</li> \
				<li><span class="dsq-badge dsq-badge-guest">Guest</span> is not logged in with any account and has not claimed his or her comments.</li> \
				<li class="dsq-help-otheraccts">Other accounts</li> \
				<li><span class="dsq-badge dsq-badge-facebook">Facebook</span> is using his or her Facebook profile via Facebook Connect.</li> \
				<li><span class="dsq-badge dsq-badge-twitter">Twitter</span> is using his or her Twitter profile via Twitter Sign-in.</li> \
				<li><span class="dsq-badge dsq-badge-openid">OpenID</span> is using his or her OpenID.</li> \
			</ul> \
		';

		this.popModal(html, 'Help: Types of Commenters', post_id);
		return;
	};

	this.permalink = function(post_id) {
		var header = 'Link to this comment';
		var body = '<strong>You are anchored to</strong>:<br />' + document.location.protocol + '//' + document.location.host + document.location.pathname + document.location.search + '#comment-' + post_id;

		this.popModal(body, header, post_id);
	};

	this.login = function(header, body) {
		var h = header || 'Login or Register';
		var b = body || '';
		b += Dsq.Templates.frameLogin({id: 'dsq-popup-login'});
		b += '</iframe>'; // HACK: Sometimes there is something funky with the IFRAME SRC that causes no end tag
		this.popModal(b, h, null, true, 'dsq-popup-login');
	};

	this.blacklist = function(id) {
		var _meta = Dsq.jsonData.posts[id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		var title = 'Add to Blacklist';
		var message = ' \
		Adding this person to the blacklist will block him or her from commenting on this site. Check the following types that you would like to add to the blacklist:'
		+ (userData['registered'] ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-username" type="checkbox" checked> \
				<label for="dsq-blacklist-username"><strong>Username</strong>: ' + userData['username'] + '</label> \
			</div>'
			: '')
		+ (_meta.email ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-email" type="checkbox" checked> \
				<label for="dsq-blacklist-email"><strong>Email address</strong>: ' + _meta.email + '</label> \
			</div>'
			: '')
		+ '<div class="dsq-blacklist-option"> \
			<input id="dsq-blacklist-ip" type="checkbox" onclick="Dsq.$(\'dsq-blacklist-ip-warning\').style.display=\'block\'"> \
			<label for="dsq-blacklist-ip"><strong>IP address</strong>: ' + _meta.ip + '</label> \
		</div> \
		';

		message += ' \
			<p id="dsq-blacklist-ip-warning" style="display:none">	\
				Note: Blocking this person\'s IP address may also unintentionally prevent others, who share his/her IP address, from commenting on this site. \
				This may include people who are sharing the same computer, living in the same house, or using the same Internet provider. Only block an IP address as a last resort. \
			</p> \
		';

		message += ' \
			<p style="text-align:center"><button onclick="Dsq.Post.blockUser(' + id + '); this.disabled=true; this.innerHTML=\'Just one moment...\'">Add to Blacklist</button></p> \
		';

		Dsq.Popup.popModal(message, title);
	};

	this.remoteAccountSettings = function() {
		var body = '';
		// Set up IFrame.
		var params = {};
		var base_url = 'http://disqus.com/forums/consumerismcommentary/_auth/embed/remote_settings/';
		var attributes = {id: 'dsq-popup-account-settings'};
		if (typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}

		body = Dsq.Templates._frameGeneric(base_url, params, attributes);
		this.popModal(body, 'Account Settings', null, true, 'dsq-popup-account-settings');
	};

	this.popModal = function(message, title, post_id, use_listener, extra_classes) {
		var container = document.createElement('div');
		var header, body;

		Dsq.Popup._closePopup(null, true);

		if(typeof(title) == 'undefined') { title = ''; }
		if(typeof(use_listener) == 'undefined') { use_listener = true; }

		if(post_id) {
			container.id = 'dsq-popup-message-' + post_id;
		} else {
			container.id = 'dsq-popup-message';
		}

		header = title;
		body = message;

		container.innerHTML = Dsq.Templates.popupModal(header, body);
		Dsq.Popup.initPopup(container, post_id, 'message', extra_classes);
		if(use_listener) {
			Dsq.Popup.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', Dsq.Popup._closePopup);
		}
	};

	this.popAlert = this.popModal;

	this.loading = function(post_id) {
		var title = Dsq.Strings.JUST_A_MOMENT;
		var body = '<div style="text-align:center; padding: 5px 0 10px 0"><img src="http://media.disqus.com/images/loading.gif" alt="" /></div>'
		Dsq.Popup.lightbox(body, title, post_id);
	};

	this.lightbox = function(message, title, post_id) {
		// Wraps Dsq.Popup.popModal

		var overlay = document.createElement('div');
		overlay.id = 'dsq-overlay';
		overlay.className = 'dsq-overlay';
		Dsq.$b.appendChild(overlay);
		
		Dsq.Popup.popModal(message, title, post_id, false, 'dsq-lightbox');
	};

	this.popProfile = function(post_id, userKey) {
		var post = Dsq.jsonData['posts'][post_id];
		if (post && post.has_been_anonymized) {
			Dsq.Popup.popModal('This message was anonymized by its previous owner.', 'Anonymized', post_id);
			return;
		}

		if(post_id) {
			userKey = Dsq.jsonData['posts'][post_id].user_key;	
		}
		var userData = Dsq.jsonData['users'][userKey];
		var elId = 'dsq-popup-profile-' + userKey;
		var container = document.createElement('div');

		if(this.activePopup.el) {
			this._closePopup(null, true);
			if(this.activePopup.linkClicked) {
				this.activePopup.linkClicked = false;
				return;
			}
		}

		container.id = elId;
		container.innerHTML = Dsq.Templates.popupProfile(userKey);

		this.initPopup(container, post_id, 'profile');
		this.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', this._closePopup);

		if(!this.profileCache[userKey]) {
			Dsq.Utils.execScript('http://disqus.com/embed/profile.js'
				+ '?username=' + userKey
				+ '&anon=' + (userData['registered'] ? 0 : 1)
				+ '&f=' + Dsq.jsonData['request'].forum);
		} else {
			this.updateProfile(userKey);
		}
	};

	this._closePopup = function(e, force) {
		var activePopup = Dsq.Popup.activePopup.el;
		var id = Dsq.Popup.activePopup.id;
		var link = 'dsq-avatar-' + id; // HACK: Specific to profile toggle target

		// HACK: This event should be gone if there is no active popup.
		if(!activePopup) {
			return;
		}
		if(force || !Dsq.Popup.isClicked(e, activePopup.id)) {
			// TODO: This is breaking iE?
			if(Dsq.Popup.popupListener) {
				Dsq.Utils.removeEventListener(Dsq.Popup.popupListener);
			}
			
			// Kill overlay
			var overlay = Dsq.$('dsq-overlay');
			if(overlay) { Dsq.Utils.deleteNode(overlay); }
			
			try {
				Dsq.Utils.deleteNode(activePopup);
			} catch(e) {
				// HACK: IE6 throws an error when using deleteNode() with a node containing a <table> in the html.
				activePopup.parentNode.removeChild(activePopup);
			}
			Dsq.Popup.activePopup = {};
		}

		if(!force && Dsq.Popup.isClicked(e, link)) {
 			Dsq.Popup.activePopup.linkClicked = true;
		}

	};

	this.initPopup = function(popup, post_id, type, extra_classes) {
		popup.className = 'dsq-popup dsq-popup-' + type + ' ' + (extra_classes ? extra_classes : '');
		if(Dsq.Utils.ie6 || Dsq.Utils.ie7) {
			// HACK: We can't modify the body before it's ready, so we need
			//       to use an IE-safe "DOMReady" workaround before loading
			//       our popup.
			Dsq.Utils.execOnReady(function() {Dsq.$b.appendChild(popup); });
		} else {
			Dsq.$b.appendChild(popup);
		}

		popup.style.display = 'block';

		var xPos = (Dsq.Utils.getWindowSize()[0] - popup.offsetWidth) / 2;
		var yPos = (Dsq.Utils.getWindowSize()[1] - popup.offsetHeight) / 2;

		if(Dsq.Utils.ie6) {
			yPos += Dsq.Utils.getScrollPos()[1];
		}

		popup.style.left = xPos + 'px';
		popup.style.top = yPos + 'px';

		Dsq.Popup.activePopup = {
			'el' : popup,
			'id' : post_id,
			'type': type,
			'linkClicked' : false
		};
	};

	this.isClicked = function(e, id) {
		var t = e.target || e.srcElement;
		while(t && t.parentNode) {
			if(t.id == id) {
				return true;
			}

			t = t.parentNode;
		}
		return false;
	};
};
// Dsq.Popup

/**
 * Dsq.Templates
 */
Dsq.Templates = new function() {
	/*
	 * Counter keeping track of the number of posts iterated over.
	 */
	this.postLoopCounter = 0;
	this.filters = {};
	this.addPostContainer = 'dsq-post-add';
	this.textareaContainer = 'dsq-post-add';

	this.registerTemplate = function(name, func) {
		this['$$_' + name] = func;

		if(typeof DsqLocal.Filters != 'undefined'
		&& typeof DsqLocal.Filters[name] == 'function') {
			// Push filters to this.filters to unify code.
			this.filters[name] = this.filters[name] || [];
			this.filters[name].push(DsqLocal.Filters[name]);
		}

		this[name] = function() {
			var ret;

			if(typeof DsqLocal.Templates != 'undefined'
			&& typeof DsqLocal.Templates[name] == 'function') {
				ret = DsqLocal.Templates[name].apply(this, arguments);
			}

			if(ret === undefined) {
				ret = this['$$_' + name].apply(this, arguments);
			}

			if(this.filters[name]) {
				var args = [ret];

				args.push.apply(args, arguments);
				for(var i = 0; i < this.filters[name].length; i++) {
					ret = this.filters[name][i].apply(this, args);
				}
			}

			return ret;
		};
	};

	this.registerFilter = function(name, func) {
		this.filters[name] = this.filters[name] || [];
		this.filters[name].push(func);
	};

	/**
	 * Dsq.Templates.Filters
	 */
	this.Filters = new function() {
		this.commentContainer = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			var classes = [];
			if(Dsq.jsonData.request.page > 1) {
				classes.push('dsq-append');
			}

			//
			// Extra classes used for custom themes
			//

			if(_meta.depth) {
				classes.push('dsq-comment-child', 'dsq-depth-' + _meta.depth, 'dsq-parent-is-' + _meta.parent_post_id);
			}


			//

			if(_meta.author_is_creator) {
				// TODO: We need to deprecate the "special" class since it is not properly prefixed.
				classes.push('special', 'dsq-special');
			}
			if(_meta.author_is_moderator) {
				classes.push('dsq-moderator');
			}
			classes.push(['dsq-odd', 'dsq-even'][Dsq.Templates.postLoopCounter % 2]);

			s = s.substring(0, s.lastIndexOf('>'));
			return s + ' class="dsq-comment ' + classes.join(' ') + '" style="margin-left:' + _meta.depth*30 + 'px">';
		};

		this.commentContent = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			if (_meta.killed) {
				return '<em>Comment removed.</em>';
			} else if (!_meta.approved) {
				return '<em>This comment was flagged for review.</em>';
			}

			s = s.replace(Dsq.MEDIA_POST_RE, Dsq.MediaPostHandler);
			return s;
		};
	};

	//
	// Thread
	//
	// TODO: These need to be stripped of all Django template tags.

	this.authPost = function() {
		if (!Dsq.jsonData.context.show_reply) {
			return '';
		}
		var result = [];
		result = result.concat([
				'<div id="dsq-auth"',
						Dsq.jsonData.integration.reply_position ? 'class="dsq-auth-bottom"' : '',
						'>',
					'<div class="dsq-by">',
						'<a href="http://disqus.com" target="_blank">',
							(Dsq.jsonData.integration.disqus_logo ?
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/by-disqus.png" alt="discussion by DISQUS">') :
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/dsq-button-120x19.png" alt="discussion by DISQUS">')
							),
						'</a>',
					'</div>',
					'<div class="dsq-auth-header">',
						'<h3 id="dsq-add-new-comment" class="dsq-h3-addcomment">',
								Dsq.Strings.ADD_NEW_COMMENT,
						'</h3>',
						'<div id="dsq-login">',
						(!Dsq.jsonData.request.is_authenticated && Dsq.jsonData.forum.allow_anon_post
								? '<p class="dsq-login-message" id="dsq-login-message">You are commenting as a <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. You may select one to log into:</p>'
								: '')
		]);
		if (!Dsq.jsonData.request.is_authenticated) {
			result = result.concat([
							Dsq.Utils.interpolate(
								'<a id="dsq-login-toggle" href="%(disqus_url)s%(login_url)s?next=article:%(thread_id)s" onclick="Dsq.Popup.login(); return false"><img class="dsq-login-icon" src="%(media_url)s/images/dsq-profile-btn.png" title="%(log_into)s" alt="%(log_into)s"/></a>',
								{login_url: Dsq.Urls.LOGIN, thread_id: Dsq.jsonData.thread.id, log_into: Dsq.Strings.LOG_INTO_DISQUS}
								),
							'&nbsp; ',
							(Dsq.jsonData.context.use_fb_connect ?
								'<div id="dsq-fbc-login" onlogin="DisqusFbcParentController.onLogin()" size="medium" background="light" length="short" style="display:inline; margin-right:7px"></div>' :
								''
							),
							(Dsq.jsonData.context.use_twitter_signin ?
								Dsq.Utils.interpolate(
									'<div id="dsq-twitter-login" class="dsq-twitter-login" onclick="Dsq.Twitter.startTwitterConnect();" style="display:inline; cursor: pointer"><img src="%(media_url)s/images/twitter-signin-short.png" style="margin-right:7px" /></div>', {}) : ''),
							(Dsq.jsonData.context.use_openid ?
								Dsq.Utils.interpolate(
									'<div id="dsq-openid-login" class="dsq-openid-login" onclick="Dsq.OpenID.requestURL();" style="display:inline; cursor:pointer;"><img src="%(media_url)s/images/openid-login-button.png"/></div>', {}
								) : '')
			]);
		}
		result = result.concat([
						'</div>', // dsq-login
					'</div>', // dsq-auth-header
					'<div id="dsq-authenticated" class="dsq-authenticated" ',
						Dsq.jsonData.request.is_authenticated ? 'style="display:block"' : '',
						'>',
						'<div class="dsq-authenticated-pic">',
								Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">' +
																			'<img class="dsq-post-avatar" src="%(avatar_url)s" alt="" /></a>',
																			{avatar_url: Dsq.Urls.REQUEST_USER_AVATAR,
																			url: (Dsq.jsonData.request.is_remote
																					 ? Dsq.jsonData.request.url
																					 : Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE) }),
						'</div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									(Dsq.jsonData.request.is_remote
										? Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">%(request_display_username)s</a>', {url:Dsq.jsonData.request.url})
										  )
										: Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(disqus_url)s%(profile_url)s" title="%(request_display_username)s">%(request_display_username)s</a>')
											)
									),
								'</li>',
								'<li class="logout">',
									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<img class="dsq-login-icon" src="%(media_url)s/images/dsqicon12.png" alt="%(logged_in_as)s"/>&nbsp',
											{logged_in_as: Dsq.FmtStrings.LOGGED_IN_AS(Dsq.jsonData.request.display_username)})
										: ''),

									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="%(logout_from_disqus)s">',
											{logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN, logout_from_disqus: Dsq.FmtStrings.LOGOUT_FROM('DISQUS')})
										: ((Dsq.jsonData.request.remote_domain == 'twitter')
												? Dsq.Utils.interpolate('using Twitter (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
												 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
												: ((Dsq.jsonData.request.remote_domain == 'openid')
													 ? Dsq.Utils.interpolate('using OpenID (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
													 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
													 : ''
													)
											)
									),

									(!Dsq.jsonData.request.is_remote ? Dsq.FmtStrings.LOGOUT_FROM('<span class="logo-disqus">DISQUS</span>') : ''),
									'</a>',
								'</li>',
							'</ul>',
						'</div>',
					'</div>'
		]);
		if (Dsq.jsonData.context.use_fb_connect) {
			result = result.concat([
					'<div id="dsq-fbc-authenticated" class="dsq-authenticated">',
						'<div id="dsq-fbc-profilepic" class="dsq-authenticated-pic" uid="loggedinuser" type="FB.XFBML.ProfilePic" size="square" facebook-logo="true"></div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									'Logged in as <span id="dsq-fbc-name" uid="loggedinuser" type="FB.XFBML.Name" linked="true" useyou="false"></span>',
								'</li>',
								'<li class="logout">using Facebook Connect <a href="#" onclick="javascript:DisqusFbcParentController.logout();return false;">(Logout)</a></li>',
							'</ul>',
						'</div>',
					'</div>'
			]);
		}
		result = result.concat([
				'</div>', // dsq-auth
				'<div id="dsq-toolbar-items">',
				'</div>'
		]);
		result = result.concat([
					//
					//
					//
				((!Dsq.jsonData.forum.allow_anon_post && !Dsq.jsonData.request.is_authenticated) ?
					// Needs to be translated:
					('<p id="dsq-no-anon-msg">Required: Please log into <span class="logo-disqus">Disqus</span> ' +
					(Dsq.jsonData.context.use_fb_connect ? 'or connect with Facebook ' : '') +
					(Dsq.jsonData.context.use_twitter_signin ? 'or sign in with Twitter ' : '') +
					(Dsq.jsonData.context.use_openid ? 'or sign in using OpenID ' : '') +
					Dsq.Utils.interpolate('to comment on <strong>%(forum_name)s</strong>.</p>')) :
					''
				),
				'<div id="dsq-post-add"></div>',
				'<div style="margin:10px 0">',
				((Dsq.jsonData.forum.use_media) ?
						'<a href="#" id="dsq-media-link" onclick="Dsq.Post.showMenu(this, false, \'media\'); return false">' + Dsq.Strings.USE_MEDIA + ' <small>&#9660;</small></a>' :
						''),
				'</div>'
		]);
		return result.join('');
	};


	this.header = function() {

		var html = '\<h3 id="dsq-comments-count" class="dsq-h3-commentcount">\
	 <span id="dsq-num-posts">268</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/latest.rss"><img src="http://media.disqus.com/images/embed/bullet-feed.png"></a>\
	 </span>\
	 </h3>\
	 <div id="dsq-options" style="margin:15px 0">\
	 <span class="dsq-item-sort">\
	 Sort by\
	 <select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);">\
	 <option value="hot" selected="selected">Popular now</option>\
	 <option value="best" >Best Rating</option>\
	 <option value="newest" >Newest first</option>\
	 <option value="oldest" >Oldest first</option>\
	 </select>\
	 &nbsp;\
	 </span>\
	 <span class="dsq-item-cp"><a href="http://consumerismcommentary.disqus.com/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/">Community Page</a>&nbsp;&nbsp;&nbsp;</span>\
	 <span class="dsq-item-subscribe">\
	 <img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle">\
	 <span id="dsq-subscribe">\
	 <a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a>\
	 </span>\
	 </span>\
	 </div>\
	 <div id="dsq-alerts">\
	 </div>\
		';

		

		
		if (Dsq.jsonData.request.is_moderator) { 
			html = ' \
			<div class="dsq-alert-message dsq-upgrade-message"> \
				<strong>Disqus upgrade available.</strong> Hi ' + Dsq.jsonData.request.display_username + ', this message is being displayed to you because you are a moderator of this site. <a href="#" onclick="Dsq.$(\'dsq-upgrade-message\').style.display=\'block\';this.style.display=\'none\';return false">Click here for details.</a> \
				<div style="display:none; margin-top:10px;" id="dsq-upgrade-message"> \
					A new theme is available with added features. <a href="http://disqus.com/comments/settings/' + Dsq.jsonData.forum.url + '/?p=customize">To change your theme, click here</a> and choose the theme Narcissus. \
					If you do not upgrade, you are missing out on features such as: real-time commenting, new sign-in integrations, and an upgrade interface. \
					<strong>This message will automatically go away in one week.</strong> \
				</div> \
			</div> \
			' + html; 
		}
		return html;
	};

	this.footer = function() {
		var html = Dsq.Templates.pagination();

		
			html += Dsq.Templates.authPost();
		

		html += Dsq.Templates.reactions();

		

		return html;
	};

	this.pagination = function() {
		var html = '';
		
		if (Dsq.$('dsq-pagination')) { Dsq.$('dsq-pagination').innerHTML = ''; }
		if (!Dsq.jsonData.thread.paginate) { return ''; }

		//
		// TODO: num_paginator still uses the template tag for pagination, 
		// 		while append_paginator does it all in JavaScript.
		//		This should all be in JavaScript.
		//

		if (Dsq.jsonData.thread.num_pages > 1 && Dsq.jsonData.request.page < Dsq.jsonData.thread.num_pages) {
			html = ' \<a class="dsq-paginate-append-text" href="#" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this); return false">Show more comments...</a>\
	 <button class="dsq-button-small dsq-paginate-append-button" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this);">Load more comments</button>\
			';
		}
		
		if (Dsq.$('dsq-pagination')) {
			Dsq.$('dsq-pagination').innerHTML = html;
			return '';
		} else {
			return '<div id="dsq-pagination" class="dsq-pagination">' + html + '</div>';
		}
	};

	this.trackbacks = function() {
		var html = '';

		if(typeof DsqLocal != 'undefined' && DsqLocal.trackback_url && DsqLocal.trackbacks) {
			var trackbacks = DsqLocal.trackbacks;
			var trackback_url = DsqLocal.trackback_url;
		} else {
			var trackbacks = [
			
			
			];
			var trackback_url = 'http://consumerismcommentary.disqus.com/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/trackback/';
		}

		html += '<div class="dsq-item-trackback">Trackback URL&nbsp;&nbsp;<input class="dsq-trackback-url" onclick="this.select()" readonly="true" value="' + trackback_url + '"></div>';

		if(trackbacks.length) {
			html += '<ul id="dsq-references">'
			for(var i = 0; i < trackbacks.length; i++) {
				var trackback = trackbacks[i];
				html += '<li><cite><a href="' + trackback.author_url + '" rel="nofollow">' + trackback.author_name + '</a></cite> \
						<p class="dsq-meta">' + trackback.date + '</p> \
						<p class="dsq-content">' + trackback.excerpt + '</p></li>';
			}
			html += '</ul>';
			html = '<h3 class="dsq-h3-trackbacks">Trackbacks</h3>' + html;
		}

		return html;
	}

	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		/* Reaction HTML begins */
		var item = '<li class="dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-reaction-header">'
			+ '<div class="dsq-header-avatar">';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'">';
		} else {
			item += '<a target="_blank" href="#" onclick="return false;">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {
			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar32.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png"/>'
			+ '</a></div>'
			+ '<cite><span>' + reaction.author_name + '</span></cite>'
			+ '<span class="dsq-header-meta"><a class="dsq-header-time">' + reaction.date_created + '</a></span>'
			+ '</div><div class="dsq-reaction-body">'
			+ '<div class="dsq-reaction-message">' + reaction.body + '</div>'
			+ '<div class="dsq-reaction-footer">From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
			+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
			+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator ? '&nbsp;&bull;&nbsp;<a class="dsq-hide-reaction" href="#" onclick="Dsq.Reaction.hide(' + reaction.id + '); return false;">Hide</a>' : '') + '</div></div>';

		if(reaction.retweets) {
			var num_retweets = reaction.retweets.length;
			if (num_retweets > 0) {
				item += '<div class="dsq-reaction-retweets">';
				if (num_retweets == 1) {
					item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
				} else {
					item += (num_retweets + ' more retweets from ');

					item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
					var n_tweets = (num_retweets > 15) ? 15 : num_retweets;
					item += Dsq.Templates.showRetweets(reaction.id, n_tweets);

					if (n_tweets != num_retweets) {
						item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
							+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
					}
				}
				item += '</div>';
			}
		}

		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}

		return '<h3 class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this.missingPermissions = function() {
		return '';
	};

	//
	// Post
	//

	this.prependPost = function(post_id) {
		var html = '<div id="comment-' + post_id + '"></div>';
		return html;
	};

	this.appendPost = function(post_id) {
		var html = '<div id="dsq-comment-reply-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};

		return ' \
			<div class="dsq-header-avatar" id="dsq-header-avatar-' + post_id + '" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
				<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
			+ (Dsq.jsonData.forum.show_avatar
				? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
				: '')
			+ '</a>'
			+ '</div> \
		';
	};

	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];

		return ''
			+ (_meta.author_is_moderator
				? '<img class="dsq-mod-star" src="http://media.disqus.com/images/bullet-star.png" title="Moderator" alt="" />'
				: '')
			+ '<span class="dsq-header-meta"> \
				<a id="dsq-time-' + post_id + '" class="dsq-header-time" href="#comment-' + post_id + '" title="Permalink">' + _meta.date + '</a> \
			</span>';
	};

	this.preBody = function(post_id) {
		return '';
	}

	this.postBody = function(post_id) {
		// TODO: Deprecate flagging conditional
		var _meta = Dsq.jsonData.posts[post_id];
		return ''
			+ (_meta.edited
				? '<p class="dsq-editedtxt">(Edited by a moderator)</p>'
				: '')
			;
	};

	this.postFooter = function(post_id) {
		// TODO: Use media should be conditional
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed) { return ''; }

		return ' \
			<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
				<div id="dsq-points-' + post_id + '" class="dsq-likedtxt">'
				+ (_meta.points
					? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this comment.'
					: '')
				+ '</div>'
				+ '<ul class="dsq-comment-options dsq-list-style">'
				+ (_meta.votable
					? '<li class="dsq-list-first dsq-rate" id="dsq-rate-cont-' + post_id + '">'
					+ (!_meta.up_voted
						? '<a href="#" onclick="Dsq.Post.rate(this, ' + post_id + ', 1); return false;">Like</a>'
						: 'You liked this.') + '</li>'
					: '')
				+ '<li class="dsq-report' + (!_meta.votable ? ' dsq-list-first' : '') + '" id="dsq-post-report-' + post_id + '"><a href="#" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">Report</a></li> \
				</ul> \
				<ul class="dsq-list-style">'
				+ (_meta.can_reply
					? '<li class="dsq-list-first"><a href="#" id="dsq-reply-link-' + post_id +'" onclick="Dsq.Post.toggleReply(this, ' + post_id +'); return false;">Reply</a></li>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<li id="dsq-edit-el-' + post_id + '"><a id="dsq-edit-link-' + post_id + '" href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit</a></li>'
					: '')
				+ '<li class="' + (!_meta.can_reply ? 'dsq-list-first' : '') + '" id="dsq-more-el-' + post_id + '"><a id="dsq-more-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'more\'); return false">More <small>&#9660;</small></a></li>'
				+ (Dsq.jsonData.forum.use_media
					? '<li id="dsq-media-el-' + post_id +'" style="display:none"><a id="dsq-media-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'media\'); return false">Use Media <small>&#9660;</small></a></li>'
					: '')
				+ '</ul>'
				+ '<div id="dsq-reply-bar-' + post_id + '" class="dsq-reply-bar" style="display:none"> \
						<div id="dsq-reply-bar-items-' + post_id + '" class="dsq-reply-bar-items"> \
						</div> \
						<div id="dsq-reply-bar-auth-' + post_id + '" class="dsq-reply-bar-auth"> \
							 \
								 \
								 	<a href="#" class="dsq-help dsq-reply-req-opt" title="You are commenting as a Guest. You may choose to log into an existing DISQUS Profile, your Facebook, Twitter or OpenID account to comment on Consumerism Commentary" onclick="Dsq.Popup.helpBadges(); return false">Optional:</a> \
								 \
								<img class="dsq-login-icon" src="http://media.disqus.com/images/dsq-favicon-16x16.png" alt="" /> \
								<a id="dsq-reply-login-' + post_id + '" href="http://disqus.com/profile/login/?next=article:42484854" onclick="Dsq.Popup.login(); return false">Login</a> \
								 \
									&nbsp;or&nbsp; \
									<img class="fb_login_image" src="http://static.ak.fbcdn.net/images/fbconnect/login-buttons/connect_light_small_short.gif" alt="Facebook Connect"/> \
									<a href="#" onclick="FB.Connect.requireSession(DisqusFbcParentController.onLogin); return false;">Connect</a> \
								 \
								&nbsp;or&nbsp; \
									<img src="http://media.disqus.com/images/twitter-signin-icon.png" alt="" /> \
									<a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false">Sign-in</a> \
								 \
								&nbsp;or&nbsp; \
									 <img src="http://media.disqus.com/images/openid-login-icon.png" alt="" /> \
									 <a href="#" onclick="Dsq.OpenID.requestURL(); return false">OpenID</a> \
								 \
							 \
						</div> \
					</div> \
					<div id="dsq-reply-' + post_id + '"></div> \
			</div> \
		';
	};

	//
	// Iframes
	//

	this._makeAttributes = function(attributes) {
		// Makes a tag attributes string out of an object.
		// Caller is responsible for making sure nothing needs to be escaped.
		var result = [];
		for (key in attributes) {
			result.push(' ' + key + '="' + attributes[key] + '"');
		}
		result = result.join('');
		return result;
	};

	this._frameGeneric = function(base_url, params, attributes) {
		if(typeof(disqus_callback_params) == 'undefined') {
			disqus_callback_params = '';
		}

		var default_params = {
			// TODO: These should be moved to Dsq.jsonData.
			'f'				: 'consumerismcommentary',
			't'				: 'how_to_claim_the_8000_home_buyer_tax_credit_of_2009',
			// Do we need encodeURIComponent here?
			'ifrs'			: encodeURIComponent(disqus_iframe_css),
			'to_redirect'	: encodeURIComponent(window.location),
			'cbp'			: disqus_callback_params,
			'ff'			: Dsq.Thread.ff,
			'fc'			: Dsq.Thread.fc,
			'ac'			: Dsq.Thread.ac,
			'default_text'	: disqus_default_text
		};

		base_url += '?' + (new Date()).getTime();
		// Add params to default_params.
		if(params) {
			for(var key in params) {
				if(params.hasOwnProperty(key)) {
					default_params[key] = encodeURIComponent(params[key]);
				}
			}
		}
		// Build querystring.
		for(var key in default_params) {
			if(default_params[key] && default_params.hasOwnProperty(key)) {
				base_url += '&' + key + '=' + default_params[key];
			}
		}

		return [
			'<iframe marginwidth="0" marginheight="0" hspace="0" vspace="0" frameborder="0"',
			(' allowtransparency="true" src="' + base_url + '"'),
			this._makeAttributes(attributes),
			'</iframe>'].join('');
	};

	this.frameLogin = function(opt_attributes) {
		var params = {};
		var base_url = 'http://disqus.com/embed/login.html';
		var attributes = opt_attributes || {};
		attributes['class'] = 'dsq-post-login';

		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameReply = function(post_id, extra_params, attributes) {
		// Returns the HTML for a reply iframe. Called by Dsq.Iframes.setReplyIframeToContainer
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = Dsq.Urls.REPLY;
		var params = {
			'def_email'		: disqus_def_email,
			'def_name'		: disqus_def_name
		};
		if(extra_params) {
			for(var key in extra_params) {
				if(extra_params.hasOwnProperty(key)) {
					params[key] = extra_params[key];
				}
			}
		}
		if(_meta) {
			params['parent_post'] = post_id;
		}
		if(typeof disqus_per_page != 'undefined') {
			params['per_page'] = disqus_per_page;
		}
		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		if(Dsq.jsonData.request.is_authenticated) {
			attributes['class'] += '-authenticated';
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameEdit = function(post_id) {
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = 'http://disqus.com/embed/edit.html';
		var params = {
			'p' : post_id
		};
		return this._frameGeneric(base_url, params, {'class': 'dsq-post-edit', 'name': 'dsq-edit_' + post_id + '-frame'});
	};

	//
	// Menus
	//

	this.menuMore = function(post_id) {
		// TODO: "Remove post" button should hide menu.
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		return ' \
			<li><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')">Link</a></li> \
			<li><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Profile</a></li>'
	+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
		? '	<li class="dsq-menu-sep"></li>' + (_meta.email ? '<li class="dsq-admin-email">' + _meta.email + '</li>' : '')
		+ '	<li class="dsq-admin-ip">' + _meta.ip + '</li> \
			<li class="dsq-menu-sep"></li>'
		+ (Dsq.jsonData.request.moderator_can_edit
			? ' <li class="dsq-admin-edit"><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit Comment</a></li>'
			: '')
		+ ' <li class="dsq-remove"><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); return false;">Remove Comment</a></li> \
			<li class="dsq-report-spam"><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); return false;">Mark Spam</a></li> \
			<li class="dsq-block-user"><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li>'
		: '');
	};

	this.menuMedia = function(post_id) {
		return ' \
			<li><a href="#" onclick="Dsq.Post.toggleMediaReply(this, ' + post_id + ', \'seesmic\'); return false;">Record video</a></li> \
		';
	};

	this.dropProfile = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};


		var menu = '<li class="dsq-drop-showlnk"><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Expand &#8663;</a></li>';
		var pointsMessage = '';
		if (userData['registered']) {
			pointsMessage = 'with ' + userData['points'] + ' points (more points are better).';
		}

		if (userData['is_remote']) {
			var domain = userData['remote_domain_name'];
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' is a ' + domain + ' user ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
			menu += '<span class="dsq-badge-' + domain.toLowerCase() + '">' + domain + '</span></li>';
		} else if (userData['registered']) {
			if (userData['verified']) {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a verified commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-verified">Verified</span></li>';
			} else {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a registered, but unverified, commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-registered">Registered</span></li>';
			}
		} else {
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has not claimed this commenter profile." onclick="Dsq.Popup.helpBadges()"><span class="dsq-badge-guest">Guest</span></li>';
		}

		menu += _includeServices();
		return menu;
	};

	//
	// Popups
	//

	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-content"> \
			<div class="dsq-popup-top"></div> \
			<div class="dsq-popup-body" class="clearfix"> \
				<div class="dsq-popup-body-padding"> \
					<div class="dsq-popup-header"> \
						<a class="dsq-close-link" href="#" onclick="Dsq.Popup._closePopup(null, true); return false"><img src="http://media.disqus.com/images/modal-close.png" alt="" /></a>'
						+ content['header']
					+ '</div>'
					+ content['body']
					+ '<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
				</div> <!-- padding --> \
			</div> <!-- body --> \
			<div class="dsq-popup-bottom"></div> \
		</div> \
		';
	};

	this.popupProfile = function(user_key) {
		var userServices = Dsq.Post.getUserServices(user_key, null);
		var userData = Dsq.jsonData['users'][user_key];
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		var _includeServices = function() {
			var html = '';
			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == 0
					? '<h4>Connections</h4><ul>'
					: '')
				+ '<li> \
					<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '" title="' + userServices[i].name.toLowerCase() + '" /> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank">'
					+ userServices[i].name
					+ '</a> \
				</li>'
				+ (i+1 == userServices.length ? '</ul>' : '');
			}
			return html;
		};

		headerHtml = ' \
			<table> \
				<tr> \
					<td> \
						<a class="dsq-profile-userurl" href="' + userData.url + '"><img class="dsq-popup-profile-avatar" src="' + userData['avatar'] + '" alt="" /></a> \
					</td> \
					<td> \
						<div class="dsq-popup-profile-user"> \
							<h3>' + userData['display_name'] + '</h3> \
							<div class="dsq-popup-profile-user-stats" id="dsq-popup-profile-user-stats-' + user_key + '">Loading...</div> \
						</div> \
					</td> \
				</tr> \
			</table> \
		';

		bodyHtml = ' \
			<div class="dsq-popup-profile-state"> \
				This is a&nbsp;<span class="'
					+ (userData['registered']
						? (userData['verified']
							? ' dsq-badge-verified'
							: (userData['is_remote']
								? ' dsq-badge-' + userData['remote_domain_name'].toLowerCase()
								: ' dsq-badge-registered')
							)
							: ' dsq-badge-guest') + '">'
			+ (userData['registered']
				? (userData['verified']
					? 'Verified'
					: (userData['is_remote']
						 ? userData['remote_domain_name']
						 : 'Registered')
					)
				: 'Guest')
			+ '</span>&nbsp;commenter profile.'
			+ '&nbsp;<a class="dsq-profile-userurl" href="' + userData.url + '"><strong>View more comments </strong></a>'
			+ (!userData['points']
				? '<p class="dsq-popup-notice">If this is you, <a href="http://disqus.com/profile" target="_blank">claim it now</a> to manage your comments.</p>'
				: '')
			+ ((userData['registered'] && !userData['verified'] && (Dsq.jsonData.request.username && (Dsq.jsonData.request.username == userData['username'])) && !userData['is_remote'])
				? '<p class="dsq-popup-notice"><strong>Alert</strong>: You have not verified this account. <a href="http://disqus.com/verify">Verify it now.</a></p>'
				: '')
			+ '</div> \
			<div id="dsq-profile-status-' + user_key + '" class="dsq-popup-profile-status" style="display:none"></div> \
			<div class="dsq-popup-profile-snapshot"> \
				<table> \
					<tr> \
						<td> \
							<div id="dsq-popup-profile-active-sites-wrapper-' + user_key + '"> \
								<h4>Most active sites</h4> \
								<ul id="dsq-popup-profile-active-sites-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
						<td>'
							+ _includeServices()
							+ '<div id="dsq-popup-profile-moderated-wrapper-' + user_key + '"> \
								<h4>Moderator of</h4> \
								<ul id="dsq-popup-profile-moderated-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupReblog = function() {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<cite><span>Reblog this comment</span></cite> \
		';

		bodyHtml = ' \
			<div id="dsq-reblog-form" class="dsq-reblog-form"> \
			</div> \
		';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupModal = function(title, message) {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<h3>' + title + '</h3> \
		';

		bodyHtml = message;

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.alertContent = function(name, post_id) {
		var alert = {
			'post_not_approved': {
				'title': 'Comment awaiting approval by a moderator',
				'message': 'Thanks for posting. Your comment must be approved by a moderator before appearing here.'
			},
			'post_has_profile': {
				'title': 'Use your existing commenter profile',
				'message': 'You have just posted your commment as a <span class="dsq-badge dsq-badge-guest">Guest</span>, but you may already have a <span class="dsq-badge dsq-badge-registered">Registered</span> commenter profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a>'
			}
		};
		return alert[name] || false;
	};

	//
	// Actions
	//

	this.voted = function(post_id, points, vote) {
		// Update number of points
		Dsq.$('dsq-points-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this comment.';

		// Update link text
		if(vote) {
			Dsq.$('dsq-rate-cont-' + post_id).innerHTML = 'You liked this.';
		}
	};

	this.subscribed = function(status) {
		var title, message;

		if(status) {
			title = 'Subscribed!';
			message = 'You have subscribed to this comment thread. New comments will be sent directly to your email inbox, where you may read and respond by email.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(0); return false">Unsubscribe</a> \
			';
		} else {
			title = 'Unsubscribed';
			message = 'You have unsubscribed to this comment thread. New comments will no longer be sent to your email inbox.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a> \
			';
		}

		Dsq.Popup.popModal(message, title);

	};
	
	this.highlighted = function() {
		Dsq.Popup.popModal('This comment has been highlighted.', 'Highlighted comment');
	};

	//
	// Media
	//

	this.mediaSeesmic = function(id, thumb) {
		return ' \
			<div id="dsq-seesmic-' + id + '_preview" class="dsq-seesmic-preview"><a href="http://www.seesmic.com/video/' + id + '" target="_blank" class="see_link">&nbsp;</a> \
				<div style="display:block;width:160px; height:120px; border:none; background-image:url(http://t.seesmic.com/thumbnail/' + thumb + ')"> \
					<div id="dsq-seesmic-' + id + '_hide" class="seePlayOverlay" style="display:none;"><img onclick="see_play_video(\'' + id + '\',false)" src="http://media.disqus.com/images/seesmic/stopOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; padding-top: 30px; padding-left: 50px" alt="" /></div> \
					<div id="dsq-seesmic-' + id + '_show" class="seePlayOverlay"><img onclick="see_play_video(\'' + id + '\',true)" src="http://media.disqus.com/images/seesmic/playOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; border:none; padding-top: 30px; padding-left: 50px" alt="" /></div> \
				</div> \
			</div> \
			<div id="' + id + '_content" style="display:block; width:100%; padding-top:5px"></div> \
		';
	};

	//
	// Callbacks
	//

	this.postComment_onSuccess = function(parent_post_id) {
		// Increment post count
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');
		
		if (num_posts) { 
			num_posts.innerHTML = parseInt(num_posts.innerHTML) + 1;
		}
		if (total_posts) { 
			total_posts.innerHTML = parseInt(total_posts.innerHTML) + 1;
		}
	};
};
// Dsq.Templates


/**
 * Dsq.Post
 */
Dsq.Post = new function() {
	this.openedMenu = {};
	this.menuEventListener = null;
	this.stateReplyToggled = {};
	this.stateEditToggled = {};
	this.stateRecordLink = {};

	/**
	 * Inserts a new post into the document.
	 *
	 * @param after_id {Number}	Insert a post before specified id.  If after_id
	 *							evaluates to false, then post in the front.  If
	 *							after_id is -1, post at the end.
	 */
	this.insert = function(after_id, id, message, author) {
		// Skeleton template from thread_posts.html.
		var skeleton = ' \
			<li id="dsq-comment-%(id)s"> \
				<div id="dsq-comment-header-%(id)s" class="dsq-comment-header"> \
					<cite id="dsq-cite-%(id)s" class="dsq-comment-cite"> \
						<a id="dsq-author-user-%(id)s" href="%(author_url)s" target="_blank" rel="nofollow">%(author_name)s</a> \
					</cite> \
				</div> \
				<div id="dsq-comment-body-%(id)s" class="dsq-comment-body"> \
					<div id="dsq-comment-message-%(id)s" class="dsq-comment-message">%(message)s</div> \
				</div> \
			</li> \
		';
		var _meta = Dsq.jsonData.posts[id];
		var _user_meta = Dsq.jsonData.users[_meta.user_key];
		var markup = Dsq.Utils.interpolate(skeleton, {
			id: id,
			message: message,
			author_url: _user_meta.blog,
			author_name: _user_meta.display_name
		});
		var div = document.createElement('div');
		markup = markup.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
		div.innerHTML = markup;

		if (after_id === -1) {
			Dsq.$('dsq-comments').appendChild(div);
		} else if (!after_id) {
			Dsq.$('dsq-comments').insertBefore(div, Dsq.$('dsq-comments').firstChild);
		} else if (Dsq.$('dsq-comment-' + after_id)) {
			// Get next node after "after_id", so we can insert before it.
			// If "after_id" is the last comment, the target node is the
			// last node.
			
			// var append_post_id = Dsq.Templates.appendPost(after_id).replace('<div id="','').replace('"></div>', '');
			var append_post_id = 'dsq-append-post-' + after_id;
			var node = Dsq.$(append_post_id);
			while (node = node.nextSibling) {
				if (!node || node.nodeType == 1) { // 1 == Node.ELEMENT_NODE
					break;
				}
			}
			if (!node) {
				node = Dsq.$(append_post_id);
			}
			node.parentNode.insertBefore(div, node);
		}
	};

	this.incrementPostCount = function() {
		
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');

		if (num_posts) {
			num_posts.innerHTML = parseInt(num_posts.innerHTML, 10) + 1;
		}
		if (total_posts) {
			total_posts.innerHTML = parseInt(total_posts.innerHTML, 10) + 1;
		}
	}
	
	this.outlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className += ' dsq-comment-outline';
		setTimeout("(function () { Dsq.Post.clearOutlineComment(" + post_id + ") })()", 3000);
	};
	
	this.clearOutlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className = Dsq.$('dsq-comment-' + post_id).className.replace('dsq-comment-outline', '');
	};

	this.showMenu = function(el, id, name) {
		var anchorPos = Dsq.Utils.findPos(el);
		var menu = document.createElement('ul');

		if(this.openedMenu) {
			if(this.openedMenu.linkClicked) {
				this.openedMenu.linkClicked = false;
				return;
			}
		}

		switch(name) {
			case 'more':
				menu.innerHTML = Dsq.Templates.menuMore(id);
				break;
			case 'media':
				menu.innerHTML = Dsq.Templates.menuMedia(id);
				break;
			default:
				break;
		}

		// Add menu to document body
		menu.id = 'dsq-menu-' + id;
		menu.className = 'dsq-menu';
		Dsq.$b.appendChild(menu);

		// Position and show
		anchorPos[1] += 15;
		menu.style.left = anchorPos[0] + 'px';
		menu.style.top = anchorPos[1] + 'px';
		menu.style.display = 'block';

		// Set global reference
		this.openedMenu = {
			'el' : menu,
			'id' : id,
			'name' : name,
			'linkClicked' : false
		};

		// Set listener
		this.menuEventListener = Dsq.Utils.addEventListener(document, 'mouseup', this._hideMenu);
	};

	this._hideMenu = function(e) {
		var el = e.target || e.srcElement;
		var openedMenu = Dsq.Post.openedMenu.el;
		var id = Dsq.Post.openedMenu.id;

		if(!id) {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link';
		} else {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link-' + id;
		}

		if(!openedMenu) {
			return;
		}

		if(!Dsq.Popup.isClicked(e, openedMenu.id)) {
			openedMenu.style.display = 'none';
			Dsq.Utils.removeEventListener(Dsq.Post.menuEventListener);
			Dsq.Utils.deleteNode(openedMenu);

		} else {
			// Hide the menu if a link was clicked inside the menu.  We can't
			// completely remove the menu until the onclick event on the link
			// fires, but the menuEventListener will prevent multiple menus
			// from polluting the DOM.
			if(el && typeof el.href != 'undefined') {
				openedMenu.style.display = 'none';
				Dsq.Post.openedMenu.el = null;
			}
		}

		if(Dsq.Popup.isClicked(e, link)) {
 			Dsq.Post.openedMenu.linkClicked = true;
		}
	};


	this.getUserServices = function(user_key, id) {
		if(!user_key && id) {
			var _meta = Dsq.jsonData.posts[id];
			user_key = _meta.user_key;
		}
		var userData = Dsq.jsonData['users'][user_key];
		var userServices = [];

		// Keep a full list of supported services. This is the order they will display in the drop-profile.
		// Each service must have a corresponding case in _buildServiceUrl()
		var supportedServices = ['blog', 'twitter', 'facebook', 'tumblr'];

		function _buildServiceUrl(serviceName) {
			var data = userData[serviceName];
			var services = {
				blog:		function(d) { return d; },
				twitter:	function(d) { return d; },
				facebook:	function(d) { return d; },
				tumblr:		function(d) { return 'http://' + d + '.tumblr.com'; }
			};
			return services[serviceName](data);
		}

		for(var i = 0; i < supportedServices.length; i++) {
			if(userData[supportedServices[i]]) {
				var serviceUrl = _buildServiceUrl(supportedServices[i]);
				userServices.push({'name' : supportedServices[i], 'url' : serviceUrl});
			}
		}
		return userServices;
	}

	this.dropProfile = function(id) {
		var dp = Dsq.$('dsq-drop-profile-' + id);

		// IE6 needs JS to display/hide. All other browsers use CSS.
		if(dp) {
			if(Dsq.Utils.ie6) dp.style.display = (dp.style.display == 'inline') ? 'none' : 'inline';
			return false;
		} else {
			dp = document.createElement('ul');
		}

		dp.id = 'dsq-drop-profile-' + id;
		dp.className = 'dsq-drop-profile';

		if(Dsq.Utils.ie6) { dp.style.display = 'inline'; }

		var container = Dsq.$('dsq-header-avatar-' + id);
		dp.innerHTML = Dsq.Templates.dropProfile(id);
		container.appendChild(dp);
	};

	this.dropProfileMore = function(el, id) {
		var hiddenItems = Dsq.$('dsq-drop-hidden-' + id);

		hiddenItems.style.display = 'inline';
		el.parentNode.style.display = 'none';
	};

	this._updateReplyLinks = function(el, id) {
		// Update "reply / cancel" links based on state.
		var displayDict = {};

		if(id) {
			if(this.stateReplyToggled[id]) {
				el.innerHTML = 'Cancel';
				displayDict['media'] = 'inline';
				displayDict['edit'] = 'none';
			} else {
				el.innerHTML = 'Reply';
				displayDict['media'] = 'none';
				displayDict['edit'] = 'inline';
			}
		}

		for(var key in displayDict) {
			if(displayDict.hasOwnProperty(key)) {
				var	linkEl = Dsq.$('dsq-' + key + '-el-' + id),
					spacer = Dsq.$('dsq-' + key + '-spacer-' + id);

				if(linkEl) {
					linkEl.style.display = displayDict[key];
					if(spacer) spacer.style.display = displayDict[key];
				}
			}
		}
	};

	this._updateMediaLinks = function(el, id) {
		// Update "use media / cancel" links based on state.
		var appendId = (id) ? ('-' + id) : '';
		var link = Dsq.$('dsq-media-link' + appendId);

		if(this.stateRecordLink[id]) {
			link.innerHTML = 'Cancel Media';
			link.onclick = function() { Dsq.Post.toggleMediaReply(link, id); return false; };
		} else {
			link.innerHTML = 'Use Media <small>&#9660;</small>';
			link.onclick = function() { Dsq.Post.showMenu(link, id, 'media'); return false; };
		}
	};

	this.toggleReply = function(el, id) {
		// Create reply IFrame
		if (window.disqus_use_postmessage) {
			if (!this.stateReplyToggled[id]) {
				Dsq.$('dsq-reply-' + id).style.display = 'block';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				// Create IFrame if it doesn't exist.
				if (!Dsq.frames['reply_' + id]) {
					var _meta = Dsq.jsonData.posts[id];
					Dsq.frames['reply_' + id] = new Dsq.ReplyFrame(Dsq.$('dsq-reply-frame-' + id), id);
					Dsq.frames['reply_' + id].init();
					Dsq.frames['reply_' + id].setState(id, _meta.depth);
				}
			} else {
				Dsq.$('dsq-reply-' + id).style.display = 'none';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
			}
		} else {
			// DEPRECATED
			if(!this.stateReplyToggled[id]) {
				// Reply toolbar
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(Dsq.$('dsq-reply-' + id), id);
			} else {
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
				Dsq.Iframes.hideAllInContainer(Dsq.$('dsq-reply-' + id));
				if(this.stateRecordLink[id]) {
					// HACK: Cancel media before canceling self.
					this.toggleMediaReply(Dsq.$('dsq-media-link-' + id), id);
				}
			}
		}

		this.stateReplyToggled[id] = !this.stateReplyToggled[id];
		this._updateReplyLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-reply-' + id); }

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: id,
			opened: this.stateReplyToggled[id]
		});
	};

	this.toggleMediaReply = function(el, id, xtype) {
		id = id || 0;
		if(id) {
			var container = Dsq.$('dsq-reply-' + id);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(!this.stateRecordLink[id]) {
			Dsq.Iframes.showReplyIframeInContainer(container, id, {xtype:xtype}, 'dsq-post-video');
		} else {
			Dsq.Iframes.showReplyIframeInContainer(container, id);
		}
		this.stateRecordLink[id] = !this.stateRecordLink[id];
		this._updateMediaLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};

	this.edit = function(el, id) {
		Dsq.$('dsq-comment-message-' + id).innerHTML = Dsq.Templates.frameEdit(id);
		el.parentNode.style.display = 'none';
		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-comment-message-' + id); }
	};

    this.rate = function(el, id, vote) {
		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
                Dsq.$('dsq-rate-cont-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
            }

            Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
                + '?post_id='    + id
                + '&vote='        + vote);

		} else {
			Dsq.Popup.login(Dsq.Strings.TO_RATE_PLEASE_LOG_IN);
		}
    };

	this.report = function(id, confirmed) {
		if(confirmed) {
			Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/how_to_claim_the_8000_home_buyer_tax_credit_of_2009/post_report/', {'post_id': id});
			Dsq.Popup.popModal('Thank you. This comment has been flagged for moderator attention.', 'Successfully flagged');
			Dsq.Utils.deleteNode(Dsq.$('dsq-post-report-' + id));
		} else {
			var title = Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT;
			var message = Dsq.Strings.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR + '? \
			<br /><br /> \
			<button onclick="Dsq.Popup._closePopup(null, true)"><strong>' + Dsq.Strings.NO + '</strong>, ' + Dsq.Strings.NEVER_MIND + '</button>&nbsp;&nbsp;&nbsp;<button onclick="Dsq.Post.report(' + id + ', true);"><strong>' + Dsq.Strings.YES + '</strong>, ' + Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT + '</button><br /><br />'
			+ Dsq.Strings.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION + '. \
			';

			Dsq.Popup.popModal(message, title, id);
		}
	};



	this.showAlert = function(id, msg) {
		var msgEl = Dsq.$('dsq-comment-message-' + id);
		var alert = '<div class="dsq-comment-alert">' + msg + '</div>';

		msgEl.innerHTML = alert + msgEl.innerHTML;
	};

};
// Dsq.Post


/**
 * Dsq.Thread
 */
Dsq.Thread = new function() {
	this.fc = null;
	this.ff = null;
	this.ac = null;

	
	this.adminIsOn = false;

	
	
	

	this.hlComment = null;
	this.hlCommentClass = null;

	this.getNextComment = function(el) {
		var start_id = el.id;
		while(el = el.nextSibling) {
			if(el.id && el.id.indexOf('dsq-comment-') != -1 && el.id != start_id) {
				return el;
			}
		}
		return null;
	};

	this.getActiveCommentId = function() {
		if (document.URL.indexOf('#comment-') >= 0) {
			var anchor = document.URL.slice(document.URL.indexOf('#') + 1);
			return anchor.replace('comment-', '');
		}
		return null;
	};

	this.highlightAnchor = function() {
		var i = this.getActiveCommentId();
		if (i == null) return false;
		var id = 'dsq-comment-' + i;
		var hash = window.location.hash;

		// Toggle the hash incase the comment isn't available when the page loads
		// for WebKit-based browsers.
		if (Dsq.Utils.webkit) {
			window.location.hash = '';
			window.location.hash = hash;
		}

		this.hlComment = Dsq.$(id);
		// Adding this conditional guard pending #289
		if (!this.hlComment) {
			return;
		}
		this.hlCommentClass = this.hlComment.className;
		this.hlComment.className += ' dsq-hl-anchor';

		setTimeout("Dsq.Thread.highlightClear()", 3000);
	};

	this.highlightClear = function() {
		if (!this.hlComment) {
			return;
		}
		this.hlComment.className = this.hlCommentClass;
	};

	this.login = function(toggle) {
		// toggle id is #dsq-reply-login-[id]
		var postId;
		if(toggle.id.indexOf('dsq-reply-login') != -1) {
			postId = toggle.id.slice(16);
			var container = Dsq.$('dsq-reply-' + postId);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(toggle) {
			if(toggle.className == 'dsq-login-active') {
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(container, postId);
				toggle.className = '';
			} else {
				Dsq.Iframes.showLoginIframeInContainer(container, postId);
				toggle.className = 'dsq-login-active';
			}
		} else {
			Dsq.Iframes.showLoginIframeInContainer(container, postId);
		}

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};


	this.paginate = function(page, el_clicked, per_page) {
		// Use extra_params to pass any override parameters that we need to persist.
		var extra_params = '';

		// "Per page" can either be overriden by providing it as an argument
		// (per-call) or setting the disqus_per_page override variable (global).
		if(typeof per_page == 'undefined') {
			per_page = null;
		}
		if(typeof disqus_per_page != 'undefined' && per_page === null) {
			per_page = disqus_per_page;
		}

		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}
		if(per_page !== null) {
			extra_params += '&per_page=' + per_page;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			el_clicked.style.display = 'none';
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'how_to_claim_the_8000_home_buyer_tax_credit_of_2009'
			+ '&p='		+ page
			+ extra_params);
	};

	this.sortBy = function(sort) {
		var disqus_script = document.createElement('script');
		var disqus_date = new Date();

		if (location.hash != '') {
			location.hash = '#disqus_thread';
		}

		if(typeof(disqus_url) == 'undefined') {
			disqus_url = disqus_href;
		}
		disqus_script.type = 'text/javascript';
		disqus_script.src = 'http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'how_to_claim_the_8000_home_buyer_tax_credit_of_2009'
			+ '&sort='	+ sort
			+ '&title='
			+ '&'		+ disqus_date.getTime();

		Dsq.$('dsq-comments').innerHTML = '<img src="http://media.disqus.com/images/loading.gif">';
		Dsq.container.appendChild(disqus_script);
	};

	this.subscribe = function(status, email) {
		// `status` is an int -- 1 to subscribe, 0 to unsubscribe
		if(Dsq.jsonData.request.is_authenticated || email) {
			// If authenticated user OR anonymous email provided

			if(email) {
				Dsq.Popup._closePopup(null, true);
			}

			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'how_to_claim_the_8000_home_buyer_tax_credit_of_2009'
				+ '&email=' 	+ encodeURIComponent(email));

		} else if(!email) {
			// If anonymous user and no email has been provided yet, prompt for email

			var title = 'Subscribe to this comment thread';
			var message = ' \
				New comments will be sent directly to your email inbox! \
				<div class="dsq-subscribe-submit"> \
					<p><strong>Enter your email address below.</strong></p> \
					<input type="text" id="dsq-subscribe-email"> \
					<button onclick="Dsq.Thread.subscribe(1, Dsq.$(\'dsq-subscribe-email\').value)">Subscribe</button> \
				</div> \
			';

			Dsq.Popup.popModal(message, title);
		}
	};

	this.showSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return;
		}

		/* The form has to be re-designed when more options will come out. */
		var html = 'Automatically close comments after <input size="3" id="dsq-thread-days-alive" value="' + Dsq.jsonData.thread.days_alive + '" type="text" /> days. Existing comments will still be displayed.<br /><br />(Using 0 days will disable this feature)<br /><br />'
								 + '<button onclick="Dsq.Thread.updateDaysAlive();" class="dsq-button-small"><span>Save</span></button>'
								 + '<span id="dsq-thread-settings-status" class="dsq-options-status"></span>';
		Dsq.Popup.popModal(html, 'Settings');
	};

	this.updateDaysAlive = function() {
		var days = Dsq.$('dsq-thread-days-alive').value;
		var status = Dsq.$('dsq-thread-settings-status');
		Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/update_days_alive.js', {days:days,thread:Dsq.jsonData.thread.id});
		status.innerHTML = 'Saved!';
		window.setTimeout(function() { status.innerHTML = ''; }, 1000);
	};
};
// Dsq.Thread

Dsq.Events = function() {
	var obj = {};

	// Private
	var handlers = {};
	var getHandlers = function(event) {
		if (handlers[event] === undefined) {
			handlers[event] = [];
		}
		return handlers[event];
	};

	// Public
	// Value keys : postId, node, xtype
	obj.REPLY_IFRAME_CREATED = 1;
	// Value keys : postId, opened
	obj.REPLY_IFRAME_TOGGLED = 2;
	obj.fire = function(event, opt_value) {
		if (!event) {
			throw new Error('Unknown event');
		}
		var value = opt_value || {};
		for (var i=0; i<getHandlers(event).length; i++) {
			getHandlers(event)[i](value);
		}
	};
	obj.addHandler = function(event, callback) {
		getHandlers(event).push(callback);
	};

	return obj;
}();

/**
 * Dsq.Realtime
 */
Dsq.Realtime = new function() {
	var initialized = false;
	var interval = null;
	var last_checked = Dsq.jsonData.request.timestamp;
	var new_posts = [];
	var ongoing_request = false;
	var prev_script = null;

	function updateNewPostCount() {
		Dsq.$('dsq-realtime-alert').style.display = new_posts.length ? 'block' : 'none';

		Dsq.$('dsq-realtime-queued').innerHTML = new_posts.length
		+ ' new '
		+ Dsq.Utils.pluralize(new_posts.length, 'comment', 'comments')
		+ Dsq.Utils.pluralize(new_posts.length, ' was', ' were')
		+ ' just posted.';

		Dsq.$('dsq-realtime-show').innerHTML = '(' + Dsq.Strings.SHOW + ')';
	}

	function insertNewPosts() {
		var post_id = null;
		var after_id = Dsq.$('dsq-sort-select').value === 'oldest' ? -1 : null;

		for (var i=0; i<new_posts.length; i++) {
			post_id = new_posts[i];
			Dsq.Post.insert(after_id, post_id, Dsq.jsonData.posts[post_id].message);
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		}
		new_posts = [];
	}

	this.enableInterval = function() {
		interval = setInterval(Dsq.Realtime.check, Dsq.jsonData.context.realtime_speed);
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.ENABLED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.PAUSE + ')';
	}

	this.disableInterval = function() {
		if (interval) {
			clearInterval(interval);
			interval = null;
		}
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.PAUSED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.RESUME + ')';
	}

	this.toggleInterval = function() {
		if (!interval) {
			Dsq.Realtime.enableInterval();
		} else {
			Dsq.Realtime.disableInterval();
		}
		return false;
	}

	this.initialize = function() {
		if (!initialized) {
			initialized = true;
			Dsq.$('dsq-realtime-toggle').onclick = this.toggleInterval;
			if (!Dsq.jsonData.forum.streaming_realtime) {
				Dsq.$('dsq-realtime-show').onclick = this.show;
				updateNewPostCount();
			}
			if (Dsq.jsonData.thread.realtime_paused) {
				Dsq.Realtime.disableInterval();
			} else {
				Dsq.Realtime.enableInterval();
			}
		}
	}

	this.show = function() {
		insertNewPosts();
		updateNewPostCount();
		return false;
	}

	this.check = function() {
		if (!ongoing_request && Dsq.jsonData.realtime_enabled) {
			if (prev_script) {
				prev_script.parentNode.removeChild(prev_script);
			}
			ongoing_request = true;
			prev_script = Dsq.Utils.execScript('http://disqus.com/forums/42484854/realtime.js?timestamp=' + last_checked);
		}
	};

	this.update = function(timestamp, posts, users) {
		ongoing_request = false;
		last_checked = timestamp;

		if (users) {
			for (var user_id in users) {
				if (users.hasOwnProperty(user_id)) {
					if (!Dsq.jsonData.users[user_id]) {
						Dsq.jsonData.users[user_id] = users[user_id];
					}
				}
			}
		}

		if (posts) {
			for (var post_id in posts) {
				if (posts.hasOwnProperty(post_id)) {
					if (!Dsq.jsonData.posts[post_id]) {
						Dsq.jsonData.posts[post_id] = posts[post_id];
						new_posts.push(post_id);
					}
				}
			}

			if (Dsq.jsonData.forum.streaming_realtime) {
				insertNewPosts();
			} else {
				updateNewPostCount();
			}
		}
	};

}();

// DEPRECATED
Dsq.Iframes = function() {
	// Different style of object from the above. Hoping to switch to this for some reason.
	var obj = {};

	// Private
	var showIframeInContainer = function(container, id, markup) {
		// Look through container for iframes, hiding them, except show one that matches id
		// If none of them matched id, create a new iframe using markup and insert it.
		// Returns the iframe node if and only if it was newly created.
		var found = false;
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				if (child.id == id) {
					child.style.display = 'block';
					found = true;
				} else {
					child.style.display = 'none';
				}
			}
		}
		if (found) {
			return;
		}
		// The iframe wasn't found, so construct it and add it to the container.
		// Don't use innerHTML because it might reload iframes
		var div = document.createElement('div');
		div.innerHTML = markup;
		var iframe = div.childNodes[0];
		div.removeChild(iframe);
		container.appendChild(iframe);
		return iframe;
	};

	// Public
	obj.makeReplyIframeId = function(opt_postId, opt_xtype) {
		var id = 'dsq-post-add-iframe';
		if (opt_xtype) {
			id += '-' + opt_xtype;
		}
		if (opt_postId) {
			id += '-' + opt_postId;
		}
		return id;
	};
	obj.makeLoginIframeId = function(opt_postId) {
		if (!opt_postId) {
			return 'dsq-login-iframe';
		}
		return 'dsq-login-iframe-' + opt_postId;
	};
	obj.makeReplyIframeName = function(opt_postId, opt_xtype) {
		var name = 'dsq-reply-frame';
		if (opt_xtype) {
			name += '-' + opt_xtype;
		}
		if (opt_postId) {
			name += '-' + opt_postId;
		}
		return name;
	};
	obj.showReplyIframeInContainer = function(container, opt_postId, opt_extraParams, opt_className) {
		// Construct the id so we can check if it's already present.
		// Hide any other iframes we find, and show this one if it's found.
		var params = opt_extraParams || {};
		// use xtype in the id and name so we can distinguish media replies from text replies:
		var id = Dsq.Iframes.makeReplyIframeId(opt_postId, params.xtype);
		var name = Dsq.Iframes.makeReplyIframeName(opt_postId, params.xtype);
		var attributes = {
			'id': id,
			'name': name,
			'class': opt_className || 'dsq-post-reply'
			};
		var markup = Dsq.Templates.frameReply(opt_postId, opt_extraParams, attributes);
		var iframe = showIframeInContainer(container, id, markup);
		// It was newly created
		if (iframe) {
			Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_CREATED, {
				postId: opt_postId,
				node: iframe,
				xtype: params.xtype
			});
		}
	};
	obj.showLoginIframeInContainer = function(container, opt_postId) {
		var id = Dsq.Iframes.makeLoginIframeId(opt_postId);
		var markup = Dsq.Templates.frameLogin({id: id});
		showIframeInContainer(container, id, markup);
	};
	obj.showReplyIframeInContainerIfAllowed = function(container, opt_postId) {
		if (Dsq.jsonData.context.show_reply) {
			obj.showReplyIframeInContainer(container, opt_postId);
		} else {
			obj.hideAllInContainer(container);
		}
	};
	obj.hideAllInContainer = function(container) {
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				child.style.display = 'none';
			}
		}
	};

	return obj;
}();

Dsq.Twitter = new function() {
	var that = this;

	this.startTwitterConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._twitterWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/twitter/begin/', 'twitterWindow', popupParams);
		that._twitterInterval = window.setInterval(that.completeTwitterConnect, 1000);
	};

	this.completeTwitterConnect = function() {
		if (that._twitterWindow.closed) {
			window.clearInterval(that._twitterInterval);
			window.location.reload();
		}
	};
};

Dsq.Yahoo = new function() {
	var that = this;

	this.startYahooConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._yahooWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/yahoo/begin/', 'yahooWindow', popupParams);
		that._yahooInterval = window.setInterval(that.completeYahooConnect, 1000);
	};

	this.completeYahooConnect = function() {
		if (that._yahooWindow.closed) {
			window.clearInterval(that._yahooInterval);
			window.location.reload();
		}
	};
};

Dsq.OpenID = new function() {
	var that = this;

	this.requestURL = function() {
		var message = '<table class="dsq-openid-form"><tr><td style="vertical-align:top;" rowspan="2"><img src="' + Dsq.jsonData.settings.media_url + '/images/openid-icon-100x100.png" /></td>';
		message += '<td><label for="dsq-openid-url">OpenID URL:</label></td><td><input type="text" id="dsq-openid-url" /></td></tr>';
		message += '<tr><td><label for="dsq-openid-username">Display name:</label></td><td><input type="text" id="dsq-openid-username" /></td></tr>';
		message += '<tr><td class="dsq-openid-submit" colspan="3"><input type="button" value="Sign in" onclick="Dsq.OpenID.startConnect();" /></td></tr>';
		message += "</table>";

		Dsq.Popup.popModal(message, 'Sign in using OpenID');
	};

	this.startConnect = function() {
		var isblank = function(str) {
			return /^\s*$/.test(str);
		};

		var openid_url = Dsq.$('dsq-openid-url').value;
		var username = Dsq.$('dsq-openid-username').value;

		if (isblank(openid_url)) {
			return;
		}

		var popupParams = 'location=0,status=0,width=800,height=500';
		var url = Dsq.jsonData.settings.disqus_url + '/_ax/openid/begin/' + '?url=' + encodeURIComponent(openid_url) + '&username=' + encodeURIComponent(username);
		that._openidWindow = window.open(url, 'openidWindow', popupParams);
		that._openidInterval = window.setInterval(that.completeConnect, 1000);
	};

	this.completeConnect = function() {
		if (that._openidWindow.closed) {
			window.clearInterval(that._openidInterval);
			window.location.reload();
		}
	};
};

Dsq.Reaction = new function() {
	var that = this;

	this.hide = function(id) {
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/hidereaction.js?' + 'reaction_id=' + id);
	};

	this.reportMissingReactions = function() {
		if (!Dsq.jsonData.request.is_moderator || !Dsq.jsonData.forum.reactions_enabled) {
			return;
		}

		if (Dsq.jsonData.thread.queued) {
			Dsq.Popup.popModal('Your report has been received. The system will automatically search for new reactions; if any are found, they will be displayed on this comment thread.<br/><br/>Thank&nbsp;you.',
												 'Reported missing reactions');
			return;
		}

		Dsq.Utils.execScript(Dsq.jsonData.settings.disqus_url + '/forums/consumerismcommentary/queueurl.js');
	};
};

Dsq.CNN = function() {
	var obj = {};

	obj.authenticate = function() {
		var url = Dsq.jsonData.settings.disqus_url + "/saml/cnn/try/";
		Dsq.Utils.postToUrl(url, {'target': document.location}, true);
	};

	return obj;
}();


if(Dsq.Utils.ie6) {
	(function() {
		DSQ_HEADER_AVATAR_RE = /<div class="dsq-header-avatar"(.*?)>/gim;
		Dsq.Templates.registerFilter('postPrependHeader', function(html, post_id) {
			// Add "onmouseout" for dsq-header-avatar for dropProfile
			// functionality since IE6 cannot use :hover.
			function _headerAvatarReplace(content, inner, _unused, html) {
				return '<div class="dsq-header-avatar" '
					+ inner
					+ ' onmouseout="Dsq.Post.dropProfile(' + post_id + ')">';
			}
			html = html.replace(DSQ_HEADER_AVATAR_RE, _headerAvatarReplace);
			return html;
		});
	})();
}





	// TODO: Move Seesmic code outside of the main script.  Don't let this script clobber the global namespace.
	if(typeof seesmic == 'undefined') { var seesmic = {}; }
	seesmic.widget = new function () {
		this.callback = function (data) {
			playerVersion = data.disqusplayer;
		};
	};

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://seesmic.com/version.js?callback=seesmic.widget.callback');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://media.disqus.com/javascript/library/swfobject.js');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	function see_play_video(_videoUri, _add) {
		var swf = !!playerVersion ? playerVersion : 'http://seesmic.com/embeds/StandalonePlayer.swf';

		flashcontentDiv = Dsq.$(_videoUri + '_content');
		previewDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_preview');
		hideDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_hide');
		showDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_show');
		if(_add) {
			// push flash widget
			var so = new SWFObject(swf, 'sotester', '300', '270', '9', '#000000');
			so.addVariable('video', _videoUri);
			so.addParam('allowFullScreen', 'true');
			so.addParam('allowScriptAccess','always');
			so.useExpressInstall('swfobject/expressinstall.swf');
			so.write(_videoUri + '_content');

			previewDiv.style.display = 'none';
			hideDiv.style.display = 'block';
			showDiv.style.display = 'none';
		}
		else {
			flashcontentDiv.innerHTML = '';
			previewDiv.style.display = 'block';
			hideDiv.style.display = 'none';
			showDiv.style.display = 'block';
		}
	};





(function() {
	//
	// Load theme.  This overrides the base templates with template functions
	// from the respective themes.
	//
	if (Dsq.jsonData.integration.theme == 4) {
		var theme = 'narcissus';
		// HACK: Set variable on window to use post message.
		window.disqus_use_postmessage = true;

		
		for(var prop in Dsq.Themes[theme]) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Templates[prop] = Dsq.Themes[theme][prop];
			}
		}
		
		for(var prop in Dsq.Post) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Post[prop] = Dsq.Themes[theme][prop];
			}
		}
	}

	//
	// Register templates.  This must be done after all themes are loaded.
	//
	Dsq.Templates.registerTemplate('authPost', Dsq.Templates.authPost);
	Dsq.Templates.registerTemplate('header', Dsq.Templates.header);
	Dsq.Templates.registerTemplate('footer', Dsq.Templates.footer);
	Dsq.Templates.registerTemplate('trackbacks', Dsq.Templates.trackbacks);
	Dsq.Templates.registerTemplate('reactions', Dsq.Templates.reactions);
	Dsq.Templates.registerTemplate('prependPost', Dsq.Templates.prependPost);
	Dsq.Templates.registerTemplate('appendPost', Dsq.Templates.appendPost);
	Dsq.Templates.registerTemplate('postPrependHeader', Dsq.Templates.postPrependHeader);
	Dsq.Templates.registerTemplate('postAppendHeader', Dsq.Templates.postAppendHeader);
	Dsq.Templates.registerTemplate('preBody', Dsq.Templates.preBody);
	Dsq.Templates.registerTemplate('postBody', Dsq.Templates.postBody);
	Dsq.Templates.registerTemplate('postFooter', Dsq.Templates.postFooter);
	Dsq.Templates.registerTemplate('_popupGeneric', Dsq.Templates._popupGeneric);
	Dsq.Templates.registerTemplate('voted', Dsq.Templates.voted);
	Dsq.Templates.registerTemplate('popupProfile', Dsq.Templates.popupProfile);
	Dsq.Templates.registerTemplate('postBox', Dsq.Templates.postBox);
	Dsq.Templates.registerTemplate('pagination', Dsq.Templates.pagination);
	Dsq.Templates.registerTemplate('postComment_onSuccess', Dsq.Templates.postComment_onSuccess);

})();

Dsq.container.className = "clearfix";
Dsq.container.innerHTML = ' \
<ul id="dsq-comments">\
	 <li id="dsq-comment-21319060">\
	 <div id="dsq-comment-header-21319060" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319060" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319060">Mr. TaxMan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319060" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319060" class="dsq-comment-message">Just FYI to all of those who have already purchased and are filing for the $8,000 tax credit.  If you send in your Form HUD-1, that you received when you closed on your house, with your 1040X and 5405 completed forms, your credit will arrive much quicker.  If the IRS only receives the 1040x and 5405 forms, the purchase has to be verified manually before they can approve the refund, which definitely slows it down.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318832">\
	 <div id="dsq-comment-header-21318832" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318832" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318832">larry</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318832" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318832" class="dsq-comment-message">Does it completely expire in Nov. or is there any talk of extending it?  I ask b/c I\'m planning on buying a new home in June 2010 (saving for the right down payment now). 8,000 could go a long way towards helping.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318833">\
	 <div id="dsq-comment-header-21318833" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318833" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318833" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318833" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318833" class="dsq-comment-message">I don\'t think there\'s any talk right now of extending it because it was just signed into law, but laws can and will be changed.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318830">\
	 <div id="dsq-comment-header-21318830" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318830" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318830" href="http://www.biblemoneymatters.com/" target="_blank" rel="nofollow">Peter</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318830" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318830" class="dsq-comment-message">thanks for the updates, good information to know!  <br><br>I do feel bad for those who bought last year though, and who won\'t just get the credit - and instead will have to pay it back. Oh well, i guess life isn\'t fair!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318951">\
	 <div id="dsq-comment-header-21318951" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318951" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318951" href="http://www.cashaholic.blogspot.com/" target="_blank" rel="nofollow">CashAholic</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318951" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318951" class="dsq-comment-message">I purchased last year, and I feel sorry for myself!  I missed out on 8K.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318831">\
	 <div id="dsq-comment-header-21318831" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318831" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318831" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318831" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318831" class="dsq-comment-message">Peter: That\'s true. People who purchased in 2008 thought they were getting a good deal. You can never know if a better deal is coming down the pike. It\'s best to buy a house when you need to buy a house. A small tax credit (or loan), while helpful, probably shouldn\'t be the driving force behind the decision.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318834">\
	 <div id="dsq-comment-header-21318834" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318834" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318834" href="http://www.our-financial-planner.com/" target="_blank" rel="nofollow">RJ Weiss</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318834" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318834" class="dsq-comment-message">Thanks for the advice. Answered a few questions I was looking for. <br><br>Closing on a home April 1st, so should be just in time.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318835">\
	 <div id="dsq-comment-header-21318835" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318835" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318835">Andy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318835" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318835" class="dsq-comment-message">Thank for sharing this info..... I own the house with other couple (married). We are joint tenancy, so do you have any idea how to allocate this credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318836">\
	 <div id="dsq-comment-header-21318836" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318836" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318836" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318836" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318836" class="dsq-comment-message">For joint tenancy, the credit should be claimed in proportion to each owner\'s share in the residence. Best way to do that, as far as I can tell, is take the purchase price and split it according to your ownership percentage, but check with your tax professional.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318837">\
	 <div id="dsq-comment-header-21318837" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318837" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318837">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318837" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318837" class="dsq-comment-message">My husband and I closed on our house 3/28/08. Our accountant says that we missed the first deal by 12 days. Grrrr!!! We are getting ready to refinance our house because the interest rates have dropped so much. Will this then qualify us or are we just S.O.L.?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318838">\
	 <div id="dsq-comment-header-21318838" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318838" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318838" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318838" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318838" class="dsq-comment-message">Lisa: Unfortunately, you can\'t qualify for the credit with a refinance.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318839">\
	 <div id="dsq-comment-header-21318839" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318839" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318839">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318839" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318839" class="dsq-comment-message">Do you know if our mortgage banker or realator would have known about the $7500 tax credit where they could have informed us to wait 12 stinkin\' days?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318840">\
	 <div id="dsq-comment-header-21318840" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318840" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318840" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318840" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318840" class="dsq-comment-message">It\'s likely they wouldn\'t have known about it in March 2008. The $7,500 credit was signed into law in July 2008.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319092">\
	 <div id="dsq-comment-header-21319092" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319092" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319092">Cindi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319092" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319092" class="dsq-comment-message">We sold our house in Sept of 2006 but due to the buyers financing we had to "re" close Oct. 12, 2006 and will close on our newly constructed home Oct. 1, 2009. Will be be able to get the credit? In Sept we had to be out of the house, give the keys to the new buyer and then was called the next week that we needed to "re" close....I cannot adjust my Oct. 1st closing the bank says our construction loan is up and we must close on that day....Help!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318841">\
	 <div id="dsq-comment-header-21318841" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318841" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318841">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318841" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318841" class="dsq-comment-message">Well, that takes a little bit of the sting out of the whole situation! You\'ve been quite helpful. Thanks a bunch!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318842">\
	 <div id="dsq-comment-header-21318842" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318842" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318842">Donna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318842" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318842" class="dsq-comment-message">Two questions: We\'re building our own place on land we\'ve owed for a couple of years.  If we can get a certificate of occupancy by the deadline, do we qualify?  We\'re building it ourselves, not using a contractor.  <br><br>And since it probably 1) will be valued at slightly less than $80,000, and 2) won\'t be appraised at all right away, how would be know how much of a credit to claim?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318843">\
	 <div id="dsq-comment-header-21318843" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318843" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318843">Michelle</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318843" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318843" class="dsq-comment-message">My husband and I are building a home too. We started building in Oct. 2007 and moved in in Oct. 2008, although the house is not done yet. What do you use as the date to qualify for the tax credit? Our house has not yet been appraised, because we are waiting to it finished (we are building ourselves).</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318844">\
	 <div id="dsq-comment-header-21318844" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318844" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318844">Andrew</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318844" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318844" class="dsq-comment-message">Just one question, what is the cut off date if we buy a home this year to amend our taxes that we have already filed for 08. For instance if we buy a home on April 25 can we still amend or does it have to be before the 15th?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318845">\
	 <div id="dsq-comment-header-21318845" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318845" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318845" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318845" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318845" class="dsq-comment-message">Andrew: November 30 is currently the last day you can buy a house this year to qualify for the $8,000 (maximum) credit. You can file an amended return.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318870">\
	 <div id="dsq-comment-header-21318870" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318870" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318870">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318870" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318870" class="dsq-comment-message">I was told that you have to file the ammendment by April 15th to get the credit this year, like a normal tax return. If filed after that, they may not accept it or give the money back till next year.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318872">\
	 <div id="dsq-comment-header-21318872" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318872" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318872" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318872" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318872" class="dsq-comment-message">Jessica: There is no indication in the law that you have to file an amended return by April 15 in order to qualify for the credit. File by April 15 to avoid a penalty, or file for an extension. You can file an amended return at any time, and the rules don\'t change. Check with your tax professional.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318846">\
	 <div id="dsq-comment-header-21318846" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318846" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318846">memboy7</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318846" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318846" class="dsq-comment-message">I qualify for the $8,000 credit.  I used TaxAct Free Edition e-file on 3/3/09 and just received an email from TaxAct stating my return had been "rejected by the IRS" because the IRS is not yet allowing the first-time homebuyer credit of $8000 to be electronically filed.  <br>Needless to say, I am a bit pissed that I spent time filing with TaxAct and now they tell me this after the fact.  I am astounded at how uninformed all of these tax preparation/tax filing services are.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318854">\
	 <div id="dsq-comment-header-21318854" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318854" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318854">Teresa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318854" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318854" class="dsq-comment-message">I had the same exact problem!  Is TaxAct going to charge us again to submit our taxes?  They should have told us before we submitted the revised 5405 that it\'s not be accepted yet. Also, how will we know when we can e-file this?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318857">\
	 <div id="dsq-comment-header-21318857" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318857" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318857">amyrice28</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318857" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318857" class="dsq-comment-message">I\'ve contacted Tax Act.  You don\'t get charged until your E-file has been "accepted" by the IRS.  If it was rejected due to the $8000 First Time Home Buyer Credit, you will not be charged.  I am going through the exact problem.  I just wish we could find out WHEN the IRS is going to get their act together!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318862">\
	 <div id="dsq-comment-header-21318862" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318862" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318862">AstroChuck</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318862" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318862" class="dsq-comment-message">Just had the same problem with TaxAct e-file yesterday (March 9th); got the rejection notice this morning (March 10th). Notice says that the IRS has given an estimated timeframe of resolution as "the next two weeks", which is uncomfortably vague. I called the IRS to gauge whether filing a paper return would be a better option, but the rep was noncommittal, just saying that a paper return with direct deposit is six weeks maximum.<br><br>I would hate to wait two weeks for to e-file, only to be told it will be another two weeks for the problem to be fixed, when I could have gotten the ball rolling on a paper return. This sucks...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318891">\
	 <div id="dsq-comment-header-21318891" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318891" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318891">Teresa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318891" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318891" class="dsq-comment-message">You will be able to e-file on March 31st!  See the below <br>info that I got from <a href="http://TaxAct.com" rel="nofollow">TaxAct.com</a><br><br>UPDATE 3/11/09 The IRS has issued a statement that returns with Form 5405 claiming the First-Time Homebuyer Credit of $8,000 for homes bought in 2009, will be accepted electronically at the end of March. Please resubmit your return on Monday, March 30, 2009 after 6:00pm CST.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318847">\
	 <div id="dsq-comment-header-21318847" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318847" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318847">JEMS</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318847" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318847" class="dsq-comment-message">We closed on a property on April 18 2008 and were able to get the tax credit of 7500.00, or I should say interest free loan.  I must say I am thankful for this opportunity.  However, I am looking into purchasing a Business/Apartment building in tax year 2009, and was curious if I could also cash in on the 2009 house tax credit?  Thank you</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318848">\
	 <div id="dsq-comment-header-21318848" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318848" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318848">Cindy Girl</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318848" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318848" class="dsq-comment-message">Hi Jems:<br><br>Unfortunately, the IRS only allows you one bite at the apple.  If you have claimed the 7500 credit, you cannot receive the 8000 credit.  Sorry.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318849">\
	 <div id="dsq-comment-header-21318849" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318849" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318849">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318849" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318849" class="dsq-comment-message">If you purchased your house in 2009 and have already claimed the $7500 credit you can file an amended return and get the $8000 credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318851">\
	 <div id="dsq-comment-header-21318851" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318851" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318851">Kami</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318851" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318851" class="dsq-comment-message">That response is a little hard to interpret.<br><br>One reason you can\'t get the 8000 credit is because you\'re buying a business/apartment building.  The credit is for a HOUSE.<br><br>Even if it were a house, you already bought one in April of 2008, so it wouldn\'t be a first-time home.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318852">\
	 <div id="dsq-comment-header-21318852" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318852" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318852">Kami</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318852" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318852" class="dsq-comment-message">Sorry.  I also forgot to mention, for those who actually do qualify for the 8000, but already accepted the 7500 credit... you CAN file an amended return for the 8000.  So don\'t think just because you already accepted one, you can\'t get the other INSTEAD.<br><br>Remember, you have to buy a main HOUSE without ever owning one in the last 3 years and it has to be purchased from December 1, 2008 to December 1, 2009.<br><br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318888">\
	 <div id="dsq-comment-header-21318888" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318888" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318888">KIM</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318888" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318888" class="dsq-comment-message">MY HUSBAND &amp; I JUST BOUGHT A HOME ON 1/15/09, WE ALREADY DID OUR TAXES WHEN WE AMMEND THEM AND FILL OUT THE FORM 5405 WHAT PAPERWORK REGARDING THE HOME DO WE HAVE TO SUBMIT WITH THE FORM FOR PROOF OF BUYING, IT DOESNT SAY ANYTHING IN THEIR INSTRUCTIONS!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318853">\
	 <div id="dsq-comment-header-21318853" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318853" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318853">WILL</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318853" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318853" class="dsq-comment-message">I signed on a refinance on my mother\'s home about two years ago... now my wife and I want to purchase a house this year does that mean I don\'t qualify for the first home buyer tax credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318855">\
	 <div id="dsq-comment-header-21318855" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318855" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318855">Miranda</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318855" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318855" class="dsq-comment-message">I am still confused...a couple of tax preparers have told me that I can\'t take the credit on my 2008 return, even though I plan to buy a home this year before Nov. 30. But IRS website says that the new version of the credit is designed to put money in homebuyers\' hands right now. Help me understand please. I know it may sound like a dumb question but I was always told in school that there are no dumb questions : ). Thanks in advance.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318858">\
	 <div id="dsq-comment-header-21318858" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318858" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318858" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318858" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318858" class="dsq-comment-message">The tax preparers are correct. You can\'t take the credit if you only *plan* to a buy a house. The house has to be purchased by the date you file. You can file for an extension on your tax return, which would give you time to buy your house before the November 30 qualification deadline.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318856">\
	 <div id="dsq-comment-header-21318856" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318856" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318856">BILLY BUD</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318856" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318856" class="dsq-comment-message">I HEARD THAT ANYONE WHO HAS NOT OWNED A HOME FOR THREE<br>YEARS WILL ALSO QUALIFY FOR THE INCENTIVE IF A HOME IS PURCHASED.<br>ALSO, A TAX CREDIT FOR THE PURCHASE OF A NEW CAR. DOES IT HAVE TO BE AMERICAN MADE?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318859">\
	 <div id="dsq-comment-header-21318859" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318859" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318859">Waiting in Wisconsin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318859" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318859" class="dsq-comment-message">My wife and I bought our house in early 2009, and we\'re filing for the $8,000 tax credit on our 2008 taxes. Our return (Through TaxAct) was rejected like the other posters above, because the IRS isn\'t accepting eFiles with $8,000 credits in them yet.<br><br>The note from TaxAct says that it will be roughly two weeks until the IRS updates it\'s system to accept eFile-d returns with the $8,000 credit.  We got the rejection on March 1, so we\'re hoping things will be cleared up by next weekend (March 14-15). <br><br>Is there a page on the IRS website that will tell us when we will be able to resubmit our 2008 taxes? Or, should we continue checking the TaxAct website, looking for a re-submit button?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318866">\
	 <div id="dsq-comment-header-21318866" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318866" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318866">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318866" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318866" class="dsq-comment-message">Just file the $7500 current credit and then file an amended return later. That way you are only waiting for the additional $500.00.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318908">\
	 <div id="dsq-comment-header-21318908" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318908" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318908">Teresa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318908" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318908" class="dsq-comment-message">You will be able to re-submit on 3/30/09 after 6:00 pm CST.  Check TaxAct\'s website and you will see it for yourself.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318860">\
	 <div id="dsq-comment-header-21318860" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318860" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318860">Schuyla</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318860" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318860" class="dsq-comment-message">Okay we are in the process of buying a house.  We have already filed our taxes and got our return are we eligible for the $8K tax stimulas credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318861">\
	 <div id="dsq-comment-header-21318861" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318861" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318861" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318861" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318861" class="dsq-comment-message">If you qualify as a first time home buyer, if your income level doesn\'t disqualify you, and if you complete the purchase and move in by November 30, you will need to file an amended 2008 tax return.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318863">\
	 <div id="dsq-comment-header-21318863" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318863" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318863">Nicole</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318863" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318863" class="dsq-comment-message">Hi, <br><br>I have never purchased a house before, however my boyfriend has owned previously and sold his house in 2007.  So, it has not been 3 years.  He makes over the $75,000 threshold, I make less than $75,000.  If we purchase the house together, will I be able to claim the house alone and get the credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318871">\
	 <div id="dsq-comment-header-21318871" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318871" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318871">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318871" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318871" class="dsq-comment-message">If you normally file your taxes separately and it is your name only on the deed, then I would guess yes.  If both names are on the deed or you file together, then probably not.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318864">\
	 <div id="dsq-comment-header-21318864" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318864" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318864">Joe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318864" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318864" class="dsq-comment-message">One simple question. Does the tax credit apply only if I buy an existing house or will I be eligible if i build a new house?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318865">\
	 <div id="dsq-comment-header-21318865" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318865" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318865">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318865" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318865" class="dsq-comment-message">From what I have read you would be eligible if you built the house and moved in before Nov. 30, 2009</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318867">\
	 <div id="dsq-comment-header-21318867" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318867" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318867">Joe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318867" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318867" class="dsq-comment-message">A few years ago my mother add my name to the deed of her house and property. Did doing so make me part owner and exempt me from the tax credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318868">\
	 <div id="dsq-comment-header-21318868" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318868" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318868">Randi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318868" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318868" class="dsq-comment-message">I am buying a home and closing on May 15th.  My mortgage person and real estate agent believe that there is a cut off date of March 31st for being able to amend your return to get the tax credit.  <br><br>I checked with Turbo Tax and there is no mention of a cutoff date that the home must be purchased by the 31st, so I sent away the amended return.  I would have thought that Turbo Tax would have stopped me when I put in the date of when the home was purchased (May 15, 2009).  I am really confused.  Do I qualify or am I out of luck?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318869">\
	 <div id="dsq-comment-header-21318869" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318869" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318869" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318869" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318869" class="dsq-comment-message">March 31 is not the correct cut-off date. Homes purchased this year before or on November 30 qualify for the $8,000 tax credit *but* you can\'t put a future date on the form. If you file your taxes now, you will have to file an amended return *after* you buy the house. Or you can file for an extension now. From what I understand the IRS is not yet accepting tax returns for people claiming the $8,000 through online services like TurboTax yet anyway.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318874">\
	 <div id="dsq-comment-header-21318874" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318874" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318874">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318874" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318874" class="dsq-comment-message">No, the cuttoff is April 15 per my lender to ammend your taxes for This year. The cuttoff for the credit in general is Nov 30th or something like that, but after April 15th you have to claim it on your 2009 taxes, not 2008. This is what I was told and it makes sense since taxes are due by April 15th.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318875">\
	 <div id="dsq-comment-header-21318875" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318875" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318875">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318875" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318875" class="dsq-comment-message">As far as filing an extension, that may work to be able to claim it this year, but I would ask a tax professional just to make sure.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318876">\
	 <div id="dsq-comment-header-21318876" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318876" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318876" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318876" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318876" class="dsq-comment-message">Amended returns only need to be filed before April 15 if they would result in owing more taxes to the government, and in that case, the only thing that will happen is you will be charged a penalty as a percentage of the additional amount you owe. You can still avoid that penalty by paying the additional tax before April 15, whether you file the amended return by then or not. You can file amended tax returns for several years.<br><br>If you\'re expecting that your amended return would result in a larger refund, as in your case, it\'s actually better to wait until after you\'ve received your first refund. That gives the IRS a lesser chance of sending the incorrect amount. Yes, the IRS can make mistakes, too!<br><br>As always, check with a tax professional, particularly one who is familiar with the $8,000 tax credit for first-time home buyers. There seems to still be a lot of misinformation out there.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318881">\
	 <div id="dsq-comment-header-21318881" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318881" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318881">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318881" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318881" class="dsq-comment-message">Ahhh, I see. well like I said that was just what was told to me, when she said I could ammend she said I had to do it by April 15th but yeah, I just ammended my 2007 return for money I forgot to claim, but see this year we will be over the threshold. We were only like 250.00 under it this year and that\'s why I want to claim it in 2008. Anyway, I stand corrected.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318915">\
	 <div id="dsq-comment-header-21318915" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318915" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318915">Steven</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318915" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318915" class="dsq-comment-message">I file 08 taxes in October 09 using Combat Zone Tax Extension (CTZE). I guarantee you I can file after April 15 my 2008 taxes and also get the credit no matter what your tax preparer says</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319045">\
	 <div id="dsq-comment-header-21319045" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319045" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319045">20 Year Block employee</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319045" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319045" class="dsq-comment-message">You CAN amend your return at anytime to claim the credit.  I have clients that amended in May and have received their money, while I also have clients who amended April 15 and have not received anything yet.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318873">\
	 <div id="dsq-comment-header-21318873" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318873" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318873">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318873" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318873" class="dsq-comment-message">I need help - my husband and I closed on our first home on March 5th, 2009.  I had already filed my return so I was told to do the ammeded return and to use the revised 5405 form. Ok that\'s easy, no problem. But then the actual 1040X ammendment form is not so simple. Everytime I input everything they ask it never amounts to me getting back the 8000, and we are below the threshold, so I don\'t understand...do I need to fill out this form? It says subtract this and put difference here but not less than 0...if I put in the actual amount it would be less than 0 and I think then it would add up but as of right now it is not. It is confusing me a bit. I file my own taxes every year and am a Realtor, but have never done an ammendment...I just can\'t bear to give someone 80$ to fill out one sheet of paper, I am going to need every cent of that money to do updates to this house... has anyone else done the ammendment themselves yet for this particular situation/credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318882">\
	 <div id="dsq-comment-header-21318882" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318882" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318882">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318882" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318882" class="dsq-comment-message">nevermind I figured it out. So I am going to attach a copy of my HUD as proof, since I\'m doing this myself and don\'t have a tax person doing it. Hopefully that, the ammended 1040X and the 5405 are all I need to send and I\'ll be good to go. I just had to send them a check for 277 for an ammended 2007 return, so this is much more exciting!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318885">\
	 <div id="dsq-comment-header-21318885" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318885" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318885">ethel</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318885" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318885" class="dsq-comment-message">Hi Jessica,<br><br>I\'m on the same boat as you are. I have both the 1040X and 5405 forms, but have no clue on how to include the $8000. I made an appointment with a tax person tomorrow, but I rather not if it\'s simple.<br><br>Please help.<br><br>Thanks,<br><br>Ethel</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318887">\
	 <div id="dsq-comment-header-21318887" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318887" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318887">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318887" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318887" class="dsq-comment-message">Ok, here\'s what mine looked like... the 5405 was easy for me, my house was above 80,000 and we were below 75K for income, so basically you just enter your adj gross income from your tax return and the 8000 credit. The 1040X is like this:<br>First of all, make sure yours says (rev. February 2009) at the top under form 1040X. This is the one that includes the form 5405 in the payments section on line 15.  That was one of the biggest mistakes I had made. <br>Enter the info at the top just like it should be, self expanatory. For Income and Deductions, if the only thing you are ammending is this credit, then you can leave this section 1-5 blank.  I opted to fill it out, just enter #\'s from your 1040.  actually that\'s all you do. If you have your 1040, then here\'s a key to go by:<br>(1040X = line x from 1040)<br>6. = line 44.<br>7. = line 55.<br>8. = difference or line 56.<br>9. = any other taxes on lines 57.-60. I had 0<br>10. = line 61.<br>11. = line 62.<br>12. = line 63.<br>13. = line 64a.<br>14. = line 66. (another mistake I had made was I put the child tax credit here instead of on line 7.)<br>**15. = line 68.  BUT this is where you put 0 on the first line (if you didn\'t receive any of the listed credits) then put the 8000 on line b and 8000 again on line c if you are claiming the whole 8000. This should be the only line that has a change up to this point if this is the only thing you need to ammend. Every number before 15. should have a 0 in the middle column and columns a and c are the same numbers.<br>16. = line 67.<br>17. = any $ you had to pay in when you filed. If you got a tax return this should be 0.<br>18. = Add lines 11-17. on the ammendment form. <br>19. = Amount of your refund from this years return if you received one.<br>20. = subtract 19 from 18.  (18.-19.)<br>21. = probably 0<br>22. = If line 10 column c is less than line 20., enter the difference. This should equal 8000 if you filled out everything correctly. <br>23. = 8000 if you want it all refunded to you...<br><br>Ok I know it looks confusing, but if you take it one line at a time and have your 1040 in front of you and the attached instructions for the ammendment form onhand, its not hard. The most important thing is to make sure you don\'t change anything from the tax return other than that credit on line 15.<br><br>Also, I\'m sending a copy of my HUD with it and the 5405 as proof of the sale...  I hope this helps! Ask me if you have a specific question and I\'ll see if I can explain it better.<br><br><br>6. = line 44.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318946">\
	 <div id="dsq-comment-header-21318946" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318946" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318946">Kerry</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318946" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318946" class="dsq-comment-message">Jessica,<br>I read your directions on how to complete the 1040X and it was very helpful except I am having some trouble completing my form. I originally filed a 1040A so I couldn\'t follow your instructions completely.  My questions:<br><br>1) If the 8000 credit is the only thing I am changing do I need to fill out anything before line 15?<br><br>2) Line 18 should be $8000, correct? Line 19 asks for my overpayment which I believe is the amout of my refund. I received a refund so I enter that amount so when I enter the amount of my refund and subtract fom line 18 then I get an amount less than 8000 which results in me getting less than 8000 as a credit. Can you tell what I am doing incorrectly?<br><br>Thanks for any help you can offer!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318963">\
	 <div id="dsq-comment-header-21318963" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318963" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318963">Alice</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318963" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318963" class="dsq-comment-message">Jessica,<br>I have a question, do you apply for the credit before the purchase of the house or afterward?  Do I have to pay for closing cost and downpayment upfront  and rec\'d the tax credit afterward?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319104">\
	 <div id="dsq-comment-header-21319104" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319104" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319104">Larry Peoples, Sr.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319104" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319104" class="dsq-comment-message">Thanks for this GREAT 1040x &amp; 5405 guide. It made the filing process easy. You are a lifesaver!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318877">\
	 <div id="dsq-comment-header-21318877" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318877" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318877">Matt</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318877" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318877" class="dsq-comment-message">I had no idea you could get the credit on 2008 taxes. My wife and I close on our house on Friday. We thought we\'d have to go through the rest of 2009 with our savings depleted from the home purchase. This info will help us out tremendously. Looking forward to filing the amended tax return tonight. Thanks Flexo!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318880">\
	 <div id="dsq-comment-header-21318880" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318880" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318880">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318880" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318880" class="dsq-comment-message">I didn\'t know either until I was sitting at the closing table. It will take around 8 weeks to get it probably, but I know, I\'m in the same situation, just spent 6 grand, I\'ll probably just put the 8 grand into savings for now as emergency fund and let it earn interest...my husband\'s job is secure, but in this economy things can change unexpectedly and quickly, so just in case its better to be safe than sorry. I have several friends who have lost their homes this year due to job losses in our area (East TN) and here I am buying! But you know, we worked very hard for several years to get to this place and I wasn\'t about to pass up the opportunity to buy a house I\'ve walked by and loved for years and years.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318883">\
	 <div id="dsq-comment-header-21318883" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318883" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318883">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318883" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318883" class="dsq-comment-message">Good Advice from a Realtor (who specializes in valuating foreclosed homes for Bank REO\'s.)<br><br>Put money in savings and don\'t invest too much in your homes until market stabilizes some, b/c most places do not see a return on them in this market. There are some markets that are doing good, but they are few and far between. Here, typically you see about 4-5 times the number of active comps in any given area compared to the number of sold comps in the last 6 months or even up to a year in some cases. Values have dropped significantly. Remember that irresponsible buyers combined with unexpected layoffs/business closings and Crappy ARM loans caused this!!! (make sure you are getting a fixed rate loan and make sure your rate is locked in!! Research rates and typical closing costs and be an informed buyer! Listen to your Realtor and of course use one! :) but confirm things and get at least 2 lender quotes.) <br>Oh and prepare for the unexpected. Get a home warranty and definitely get a home inspection.  Ok I think those are the most important rules.<br>Anyway, Good luck and congrats to all the new or soon to be homeowners!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318884">\
	 <div id="dsq-comment-header-21318884" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318884" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318884" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318884" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318884" class="dsq-comment-message">Good advice there, thanks for sharing!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318906">\
	 <div id="dsq-comment-header-21318906" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318906" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318906">CND FOX</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318906" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318906" class="dsq-comment-message">Jessica, Not everything said here was bad but if I were people I would talk to a bank lender, especially if it was a smaller community bank, instead of talking just to a Realtor. That is because a bank wants to develop a relationship beyond the sale of the home. For example, it never hurts to upgrade your home. With some community banks you can even borrow the money upfront and if you do the labor yourself, your "sweat equity will be counted towards your downpayment. Number two all ARMS are not "Crappy" and many times are the right way to go. I have seen many people pay higher costs and PMI because they thought they had to have a fixed rate loan. A banker who cares, and there are those out here like myself who do, will explain the difference and suggest the proper strategy based on your personal situation. It is never a "one size fits all" solution. I would never say do not listen to a Realtor or not to go to one, but when it comes to the finance part, consult a banker who would prefer to have a long term relationship with you, not just a one time transaction. I am not saying all Realtors are like this but I have see many who develop relationships with entities who write loans but provide no other financial services to the customer and it ended very bad for the customer. Community bankers have a vested interest for you to succeed.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318907">\
	 <div id="dsq-comment-header-21318907" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318907" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318907">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318907" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318907" class="dsq-comment-message">...which is why I used a community banker for my home that I just purchased and why I said to speak to at least 2 lenders, because they also have different programs and specialties. Hey, I am not a Realtor who has a professional relationship with ANY lender in terms of referring or whatever.  I do BPO\'s and that\'s it, I do not list or sell property.  I am not trying to give advice over a lender\'s or even say that I know it all, but personally I do 25-30 market valuations monthly for banks, and 90% of the foreclosures are ARM loans, so the way I see it, for most people it is not the best deal, not when you can get a low fixed interest rate that is at least a for sure thing, no hidden charges or penalties or a sudden jump in interest b/c you have 1 late payment. We are talking about people who went from 6% interest rates and $1200/month payments to 12% rates and 2300/month payments after a year or two.  The point is to GO to 2 or more local lenders be it your bank or a mortgage broker, whatever, and personally sit down and talk to them and find out not only who has the best plan for your individual needs, but who you feel like you can trust, because I have been burned in the past and it is possible for them to say one thing and it be another thing completely.  Also, it is always smarter to save your money than spend it unless its a necessity, and considering what my job function is, I do think that I know what I\'m talking about as far as investing in your house, and lastly, the entire point of my comment is, EDUCATE yourself. Do not blindly trust Anyone!  In this economy, especially, ugly sides of people can be revealed. Make sure you do your homework and above all, you and your family\'s current and long term goals/needs are #1 priority.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318890">\
	 <div id="dsq-comment-header-21318890" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318890" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318890">Nik</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318890" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318890" class="dsq-comment-message">I was watching a recent episode of the Today Show which featured a woman who was talking about the new home buyer\'s credit.  She was saying that the $8000 can be applied as a downpayment.  I have seen no other assertion of this anywhere but if true would greatly speed up my purchase this year.  I downloaded the 5405 form and it appears to require an address of a qualifying home but line three seems vague to me.  If anyone has any thoughts on this I would appreciate it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318893">\
	 <div id="dsq-comment-header-21318893" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318893" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318893">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318893" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318893" class="dsq-comment-message">I have not heard this. It takes 8 weeks to get it back, I guess it would require your lender to allow the funds to come back later as a down payment or something. I thought you couldn\'t file for it until you\'ve actually purchased the home. That is why it says date acquired. Date you purchased it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318892">\
	 <div id="dsq-comment-header-21318892" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318892" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318892">Kristin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318892" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318892" class="dsq-comment-message">Hi, Im a little confused.....I purchased a home after high school (2001) in my maiden name, married in 2005, sold my home in 2008 and my husband and I have now built a home and closed 2/1/2009, the home is now in both our names Does this mean we qualify for the 8000. tax credit or not? I wasnt sure if because he was a first time home owner or because we now are married tax payers and this would be our first home as a married couple if we qualified?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318895">\
	 <div id="dsq-comment-header-21318895" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318895" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318895" href="http://www.debtdefy.com/" target="_blank" rel="nofollow">Brian</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318895" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318895" class="dsq-comment-message">Unfortunately, you would not be eligible for the credit as you were a homeowner in 2008.  To be eligible for the credit, you nor your spouse must not have had an ownership interest in any home for 3 years prior to the date of purchase of an eligible property.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318899">\
	 <div id="dsq-comment-header-21318899" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318899" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318899">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318899" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318899" class="dsq-comment-message">Your husband might if he hasn\'t owned a home in the past 3 years. Check with an accountant. They can tell you for sure.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318894">\
	 <div id="dsq-comment-header-21318894" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318894" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318894">Michael</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318894" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318894" class="dsq-comment-message">If you sign purchase agreement in December 2008 for a new home that just began construction and closing will not be until June 2009, does that qualify for $8,000 credit? If so, can it be used on 2008 tax return? If not, does that qualify for $7,500 credit? Also, if requesting direct deposit, does it still take eight weeks to receive it?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318896">\
	 <div id="dsq-comment-header-21318896" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318896" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318896" href="http://www.debtdefy.com/" target="_blank" rel="nofollow">Brian</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318896" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318896" class="dsq-comment-message">Your closing date is considered your purchase date on new construction as far as the IRS goes, so if you meet all other eligibility requirements, your June 2009 purchase date would quality you for the $8,000 credit.  You could file an amended return after your regular return to add it to your 2008 tax returns, or wait and claim the credit on your 2009 taxes.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318897">\
	 <div id="dsq-comment-header-21318897" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318897" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318897">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318897" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318897" class="dsq-comment-message">I just read over the information on the IRS website and it says that for homes that you are having constructed, the "acquired" date is the date that you move into the home. Again, this is only for new construction homes.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318898">\
	 <div id="dsq-comment-header-21318898" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318898" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318898">Donna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318898" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318898" class="dsq-comment-message">Yes, I read that the date of your certificate of occupancy serves as the "acquired" date for newly-built homes.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318900">\
	 <div id="dsq-comment-header-21318900" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318900" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318900">Michael</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318900" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318900" class="dsq-comment-message">Can anyone answer the other part of my previous question? "If not, does that qualify for $7,500 credit? Also, if requesting direct deposit, does it still take eight weeks to receive it?" Thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318902">\
	 <div id="dsq-comment-header-21318902" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318902" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318902">Lisa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318902" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318902" class="dsq-comment-message">You qualify for the $8000 tax credit. I\'m not sure on the time line.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318901">\
	 <div id="dsq-comment-header-21318901" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318901" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318901">Mike</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318901" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318901" class="dsq-comment-message">Thank you for all the posts above. Very helpful I will wait until March 31st to use TaxAct.<br><br>I didn\'t see anyone talk about the information on Page 2 of form 5405 " Amount of the Credit.<br>My Condo was 60K and my income is under 75K.<br><br>I see everyone saying that the credit is equal to 10% of the home price or $8,000 which ever one is less HOWEVER,...<br><br>The instructions on page 2 say " You are allowed the full amount of the credit if your modified adjustable gross income is $75K or less "<br><br>To me this says I can get the full $8000 not  just the 10% which to me would be $6000.<br><br>Any comments would be very helpful. Thank You.<br>Mike</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318903">\
	 <div id="dsq-comment-header-21318903" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318903" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318903" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318903" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318903" class="dsq-comment-message">Mike: For you the full amount of the credit is 10% of the purchase price. The instructions on page 2 that you are referring to discuss the phase-out. If you earn over $75k, your full amount ($6k) would be phased out proportionally.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318904">\
	 <div id="dsq-comment-header-21318904" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318904" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318904">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318904" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318904" class="dsq-comment-message">Mike, you would qualify for the 8000 credit so forget about the 7500. The credit would be 6000 if your loan was 60,000. The whole you being able to claim the whole allowable refund is the whole allowable 10% or 6000.  No you cannot get it quicker. You can\'t even claim it on taxcut yet so go ahead and file your taxes now and after you\'ve closed on it or moved in, then you can send in a 1040X and a 5405 to ammend and get the 6000.  You can\'t file for the credit until you actually have purchased the home because many deals fall through on the day of closing, so obviously they aren\'t going to give you money until the sale is complete.  As far as the time it takes to receive, I efiled my return and had it electronic drafted but you can\'t do that with this new credit, so be prepared to wait it out to get that money. I don\'t know if you have your normal refund electronic deposited if the $8000 will be too, or if they will mail you a check, but either way it will probably take awhile to process, and the electronic deposit would only be a few days quicker than the check in the mail anyway...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318912">\
	 <div id="dsq-comment-header-21318912" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318912" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318912">PhoenixFire</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318912" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318912" class="dsq-comment-message">Hi Jessica,<br><br><br><br>My husband and I purchased our first home on 3/11/09, after we received our 2008 tax refund. I prepared our taxes myself, and am wary of paying someone else to file an amended return to include with this new credit. Did you file you file an amended paper return or did you file using an online service, such as taxactonline?<br><br><br>Thanks,<br><br><br>Phoenix</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318905">\
	 <div id="dsq-comment-header-21318905" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318905" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318905">Diane</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318905" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318905" class="dsq-comment-message">If my friend adds my name to his mortgage can I qualify for the credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318909">\
	 <div id="dsq-comment-header-21318909" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318909" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318909">PME</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318909" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318909" class="dsq-comment-message">Do you know if there any kind of organized effort to push for similar retroactive treatment for homeowners who purchased in 2008?<br><br>Those homeowners did not require the extra incentive to purchase (which is what the whole credit issue is about), so why implicitly "punish" them for buying early.  I personally know of some buyers that pushed through an expedited closing so that the purchase would occur in 2008 in order to claim the credit on the 2008 return; there was no option to close in 2009 and still claim.<br><br>I\'m not looking to debate, I\'m just wondering if anyone is aware of anything for such homebuyers to become involved with in an effort to obtain consistent treatment.<br><br>Many thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318910">\
	 <div id="dsq-comment-header-21318910" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318910" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318910">rita</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318910" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318910" class="dsq-comment-message">I am wondering if I can sell my home to my son he would be a first time home buyer and would qualify for the 8000.00  but someone said there is a provision about selling to relatives for the 2009 rebate? Anyone know any info? Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318911">\
	 <div id="dsq-comment-header-21318911" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318911" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318911">Teresa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318911" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318911" class="dsq-comment-message">That will not work.  If you are trying to get the 1st time homebuyer credit, you can not have purchased the home from a relative.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318913">\
	 <div id="dsq-comment-header-21318913" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318913" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318913">Kim</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318913" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318913" class="dsq-comment-message">I am interested in purchasing a home in the next couple of months.  My Husband has owned a home within the past 3 years, but I have not.  Does this disqualify me for the credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318914">\
	 <div id="dsq-comment-header-21318914" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318914" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318914">MP</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318914" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318914" class="dsq-comment-message">My wife &amp; I e-filed w/ H&amp;R Block last month and owe the IRS...for math\'s sake, let\'s say $1000. We never wrote the check for $1000. So when we go to fill out our 1040X, do we just specify $7000 on line 23 ("Amount you want refunded to you")...?? Or should we specify $8000 and assume the IRS knows we still owe $1000 and to send us a $7000 refund. OR should we go ahead and send the $1000 owed, specify $8000 on line 23, and just wait 8-12 weeks for the $8000? We\'re just looking for some clarification. Thanks in advance!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318916">\
	 <div id="dsq-comment-header-21318916" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318916" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318916">Fred</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318916" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318916" class="dsq-comment-message">My son is interested in purchasing his first home instead of throwing away his money on rent.  Unfortunately, he has not established enough credit to purchase a home on his own this year.  What if I co-signed for him and have him listed as the owner?  Would he be eligible for the tax credit when he files his tax return for 2009?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318917">\
	 <div id="dsq-comment-header-21318917" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318917" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318917">Mike</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318917" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318917" class="dsq-comment-message">Hey guys,<br><br>Just trying to see if anyone tried to use TacAct yet to file the 08 taxes with the new credit for homes purchased in 2009. I\'m waiting until March 31st to try it. Sure hope it works.<br>Mike</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318918">\
	 <div id="dsq-comment-header-21318918" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318918" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318918" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318918" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318918" class="dsq-comment-message">The IRS won\'t accept returns claiming the new $8,000 tax credit for homes purchased in 2009 until 7:00 pm EDT on Monday, March 30.  I\'d suggest waiting until March 31.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318925">\
	 <div id="dsq-comment-header-21318925" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318925" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318925">z</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318925" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318925" class="dsq-comment-message">I filed mine on TaxAct yesterday.  Was approved today with no problems.  Yay monies (Though nothing is ever really free)!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318919">\
	 <div id="dsq-comment-header-21318919" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318919" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318919">Kristin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318919" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318919" class="dsq-comment-message">My fiance and I have just gotten our loan and purchased our lot to have the builder start on our home.  They are saying it will be move-in ready by Aug./Sept.  I am unsure as to when we would be getting the refund.  We qualify for the refund, but we won\'t close on the house until it\'s finished being build this summer/fall.  Is it possible to get the money early for closing fees etc. or do the send this after you close?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318921">\
	 <div id="dsq-comment-header-21318921" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318921" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318921">buyer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318921" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318921" class="dsq-comment-message">I have the same exact question. We too bought a land and the contractor has started building it and we hope to get our house by summer. Can someone tell if we can file for the $8000 credit now. We have yet not filed our taxes. TIA</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318920">\
	 <div id="dsq-comment-header-21318920" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318920" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318920">semille2</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318920" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318920" class="dsq-comment-message">I am considering buying a home later this year.<br>I made $96k in 2008 and am projected to make $90k in 2009.  Would it make sense to have my employer defer $15k of my income to 2010 so that I can qualify for the full credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318922">\
	 <div id="dsq-comment-header-21318922" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318922" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318922">micks</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318922" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318922" class="dsq-comment-message">We have signed the agreement to buy a home from a reputed home builder. We have paid them a decent amount with the agreement and have the home cost, and all the details in the agreement. But the house will be delivered/closed in fall. Can we file for house credit this year, or do we have to wait until next year to claim the credit. I would really appreciate if someone could help clarify this. Thanks in advance.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318923">\
	 <div id="dsq-comment-header-21318923" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318923" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318923">Carl</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318923" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318923" class="dsq-comment-message">Great page. I have a question. What if you qualify for the $8000.00 tax credit that you don\'t have to pay back, but you filed your taxes already and took the $7500.00 credit that you do have to pay back. Can your return be amended to change the status of the credit on your records with the IRS so they\'re not coming for the money in the years to come, as well as to receive the additional $500  ?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318924">\
	 <div id="dsq-comment-header-21318924" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318924" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318924">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318924" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318924" class="dsq-comment-message">Yes, my son filed the amended return to receive the $8,000. he had already filed his taxes with the $7500.00. He will not have to pay it back but will have to wait up to 12 weeks for the extra $500.00.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318926">\
	 <div id="dsq-comment-header-21318926" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318926" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318926">Andrea</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318926" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318926" class="dsq-comment-message">My husband and I closed on our house March 31st. We have been working on our taxes for over a week now and turbo tax is still rejecting our $8,000. We were told it could be a problem with using window\'s vista and should try using window\'s xp. This is very frustrating and before I enter my information again I would like to get some advise on if it\'s Window\'s vista causing the problem, or if they are still not accepting it through EFile. I saw a post earlier saying that TaxAct is accepting the new credit through Efile, so has anyone been accepted yet through Turbotax yet and if so, did you have the same problem before, and if so how\'d you fix it?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318927">\
	 <div id="dsq-comment-header-21318927" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318927" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318927">ksue</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318927" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318927" class="dsq-comment-message">Can you please explain why a married couple where only 1 was a (in past 3 years)homeowner, cannot even claim 1/2 of the Credit, however, an unmarried couple can, in same situation, can claim full credit? My understanding is even if you filed separate returns, being married disqualifies you from the credit. Without proper explaination, this really feels like discrimination. ??? Btw...telling me it is just the way the law was written doesn\'t float...because the HUD definition of First Time Home owner states if one qualifies, both do.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318928">\
	 <div id="dsq-comment-header-21318928" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318928" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318928">tabbie</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318928" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318928" class="dsq-comment-message">hi,  i bought a house in march 09,i called the place that does my taxes and she said if i filed a amended return for the 08 tax year, that i would only qualify for the 7,500 and i would have to pay it back over the next 15 years, but if i wait until i file on my 09 tax return that i would get the 8,000 and never have to pay it back.but by what i\'ve read myself it seems to me that i would qualify for the full 8,000 no matter if i did a amended or if i waited until i filed my 09 taxes.does anyone know which is correct?please help if you can. thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318929">\
	 <div id="dsq-comment-header-21318929" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318929" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318929">jL</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318929" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318929" class="dsq-comment-message">What happens if you receive the $8,000 &amp; don\'t end up buying a house?  -JL</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318944">\
	 <div id="dsq-comment-header-21318944" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318944" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318944">Folk</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318944" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318944" class="dsq-comment-message">Move to Mexico</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318930">\
	 <div id="dsq-comment-header-21318930" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318930" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318930">Ken</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318930" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318930" class="dsq-comment-message">I am going to file 1040X and 5405 to claim for first-time homebuyer credit. Do I have to submit anything else? (for example, a copy of "buyer final closing statement", proof of puchase). Thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318931">\
	 <div id="dsq-comment-header-21318931" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318931" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318931">Victoria</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318931" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318931" class="dsq-comment-message">Can you claim this credit if you purchase a home on a Land Contract?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318932">\
	 <div id="dsq-comment-header-21318932" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318932" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318932">Matthew X</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318932" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318932" class="dsq-comment-message">Hi -- My brother and I are planning to buy a home this year.  The loan will be in my name while the title will have both our names.  This will be my brother\'s first home and his MAGI will be below the $75k/95k limit.  I will not qualify since I have purchased a home a few years back.<br><br>I combed through Form 5405 and numerous other sites and they all use the term "purchaser".   Will my brother be considered a purchaser and qualify for the proportionate amount even though his name is not on the loan (but on the title)?  <br><br>Much thanks for your feedback,<br>Matthew</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318933">\
	 <div id="dsq-comment-header-21318933" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318933" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318933">ryan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318933" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318933" class="dsq-comment-message">i\'m a first time home buyer and will close on a house 29th of may 2009 and tring to figure out how quick can i get the $8000?  the reason i ask is because i was thinking of taking out a small loan for the downpayment then turning around and paying it off as soon as i get the $8000.  my only concern is if i need to wait another year to get the credit will it be worth it.  anyways i\'m just tring to figure out if there\'s anyway of getting the $8000 credit back within a month or so after i close?  thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318976">\
	 <div id="dsq-comment-header-21318976" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318976" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318976">Randi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318976" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318976" class="dsq-comment-message">Ryan,<br><br>You have to have already closed inorder to qualify for the credit.  There is something new that is allowing buyer to use the credit as their down payment, but I don\'t think it will help since you close on 5/29.<br><br>It takes 8 to 12 weeks to get the tax credit.  I filed my amended return on 4/18 and I am still waiting for the credit, so in lieu of the credit, I am just going to pay the down payment using my own resources and then use the tax credit to pay them back.<br><br>Randi</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319027">\
	 <div id="dsq-comment-header-21319027" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319027" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319027">ernest</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319027" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319027" class="dsq-comment-message">i also filed amended return on 4/16 still waiting. called the irs they said they are reviewing it. i think it rediculous at  12 weeks no credit. i guess you have to be gm to get money the next day from irs.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318934">\
	 <div id="dsq-comment-header-21318934" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318934" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318934">Debi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318934" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318934" class="dsq-comment-message">Original return filed first part of Feb 08.  Amended return filed on Feb 10th to include home buyer credit.  Amended return was paper filed.  It is now April 17th.  <br><br>Has anyone filed a paper return like I described above and actually received the credit?<br><br>From experience, does anyone know how long it takes to get the credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318935">\
	 <div id="dsq-comment-header-21318935" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318935" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318935">Julerybox</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318935" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318935" class="dsq-comment-message">I am a first time home buyer.  I am moving in with my boyfriend who currently owns his house with his roommate.  His roommate wants nothing to do with the house when he moves out in October.  I am trying to refinance the house with my boyfriend.  Do I have to purchase the house outright to be eligible for the credit or is there some way this works out for me?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318936">\
	 <div id="dsq-comment-header-21318936" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318936" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318936">Arkansas Home Owner</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318936" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318936" class="dsq-comment-message">I closed on this house March 27th 2009, and just sent in my 5405 and 1040X.  Also heard you needed a copy of your HUD, stating the actual contract cost/payment/offers/counteroffers, etc.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318937">\
	 <div id="dsq-comment-header-21318937" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318937" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318937">Curious, Confuse</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318937" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318937" class="dsq-comment-message">going to buy a home in May, But I won\'t be able to move in till February of next year, because I am personally going to remodel my self slowly. Because I have to work. Will I still qualify??</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318938">\
	 <div id="dsq-comment-header-21318938" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318938" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318938">Donna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318938" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318938" class="dsq-comment-message">If you\'re building a new house you need a certificate of occupancy by Nov. 30, but if the house you\'re buying is technically habitable when you close on it (and you don\'t own a home now, right?), I would think you\'d be okay.  Might not be a bad idea to change your mailing address to the new place before you file your taxes next year.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318939">\
	 <div id="dsq-comment-header-21318939" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318939" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318939">Lindi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318939" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318939" class="dsq-comment-message">Curious... I bought my house on February 12, 2009. I Claimed the $8000 on my 2008 tax return, but the IRS changed that amount to $7500 because I claimed it on my 2008 return rather than waiting for 2009. I didn\'t see this specified anywhere, I was just wondering if that happened to everyone? And can we claim that extra $500 on the 2009 tax return?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318942">\
	 <div id="dsq-comment-header-21318942" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318942" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318942">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318942" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318942" class="dsq-comment-message">The 2008 tax return is different.  It is the one you have to pay back. You should have filed an ammendment for this years tax return (for 2008 but filed this year) and then you would have gotten the 8000, if this is what you did then something doesn\'t sound right and you should call the IRS customer service to see what you need to do, because if you purchased this year then you should be getting the 8000 credit, not the 7500.. The 8000 is 10% or 8000, so also if you purchased a home that was 75,000 then that could be the reason you only received 7,500.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318940">\
	 <div id="dsq-comment-header-21318940" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318940" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318940">Tonia</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318940" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318940" class="dsq-comment-message">Does anyone know what "supporting" documents I am required to send with 1040x and 5405?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318941">\
	 <div id="dsq-comment-header-21318941" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318941" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318941">Jessica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318941" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318941" class="dsq-comment-message">yes, you need to send a copy of the HUD statement as proof of purchase.  This is what I sent, along with the 2 you mentioned...and I received my tax credit yesterday via check by mail.  It was mailed out I think around mid march so it took about 6 weeks. Not too bad!!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318943">\
	 <div id="dsq-comment-header-21318943" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318943" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318943">Arkansas Home Owner</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318943" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318943" class="dsq-comment-message">RAWK ON!!!!!!<br><br><br>That means that 6 weeks from mid-april i get 8K for sending that in</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318945">\
	 <div id="dsq-comment-header-21318945" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318945" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318945">Jess</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318945" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318945" class="dsq-comment-message">If anyone can help me with this:<br>We are just to close Escrow, so we should be able to qualify for the Credit.  My father and I will be buying the house.  My father is just a co-signer, my husband and I will be living there and making the payments, so in reality it\'s our first home owned.  My father currently owns his own home.  My husband and I file our income taxes jointly.  He does not have Social Security, so he uses and ITIN number to file.  Does anybody know, if this will affect us in receiving the Credit, Thank You</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318947">\
	 <div id="dsq-comment-header-21318947" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318947" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318947">Brian</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318947" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318947" class="dsq-comment-message">Anyone have a number that I can call and check on the 8000 dollar credit</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318948">\
	 <div id="dsq-comment-header-21318948" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318948" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318948">Tom</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318948" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318948" class="dsq-comment-message">Parents who do NOT qualify for  $ 8,000.00 tax credit just bought WITH unmarried child  who DOES qualify for the tax credit ... CAN  child get PART or ALL of the tax credit ... and HOW to do it.    All appear on deed and all debt instruments &gt; CO-MORTGAGORS  and not just CO-SIGNERS.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318949">\
	 <div id="dsq-comment-header-21318949" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318949" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318949">Vickie Burch</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318949" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318949" class="dsq-comment-message">our son married a woman that owned her own home, but they were divorced this year.  He is purchasing his own home next month.  Will he qualify for this $8,000 stimulus refund on his 2009 tax return?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318950">\
	 <div id="dsq-comment-header-21318950" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318950" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318950">Vlady</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318950" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318950" class="dsq-comment-message">What if i applied to the credit but i can the house now cause i got fired from my job. What happens if i keep the money? how do i repay it?... Vlady</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318952">\
	 <div id="dsq-comment-header-21318952" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318952" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318952">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318952" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318952" class="dsq-comment-message">My wife, son and I purchased a home for our 27 year old son to live in while attending school in another town.  All 3 of us are on the note and the morgage papers but my wife and I have made all the payments.  His fiance\' closed on a home on 05/19/09.  She had been trying to buy this house since 02/09 and has not owned a home during the last 3 years.  While her buying and financing process drug on, my son and her were married on 04/18/09 which changed things.  The lender did not require him to sign the note but did demand he sign the deed so technically he now owns this house with his new wife.  Can they continue to file seperate 1040 forms in order for her to claim the $8,000 tax credit or did they just get married 31 days too soon?  If her marriage to him made her ineligible can they obtain an annullment and then remarry in order for her to legitimatetly claim the credit?  It seems unfair to allow co-habitaing but not married couples to claim the credit and then penalize this couple for getting married before she closed on her house.  How about if she files as single using her new address while he files as single using his old address?  Is there some kind of proof of their marriage date required when they begin fililng a joint return for 2010?  Obviously we\'d like for her to be able to claim the $8,000 tax credit on her 2009 return she\'ll file during the first quarter of 2010.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318953">\
	 <div id="dsq-comment-header-21318953" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318953" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318953">SALLIE BERG</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318953" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318953" class="dsq-comment-message">IF OUR DAUGHTER PAYS 150K IN CASH FOR HER 1ST TIME HOME, IS SHE ELIGIBLE FOR THE $8K? SHE\'S A TEACHER AND MAKES LESS THAN 30K/YR.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318954">\
	 <div id="dsq-comment-header-21318954" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318954" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318954">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318954" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318954" class="dsq-comment-message">Sallie,<br>I don\'t believe her method of purchasing the home has any bearing on whether she can claim the tax credit or not.  All info requested on IRS From 5405 pertains ONLY to the purchase, not to whether any financing was obtained or not.  As long as she\'s the only person listed on the deed she should be eligible for the full credit.  If you or any other person is on the deed with her, she will only be entitled to the relative percentage of the $8,000, e.g., if your name appears on that deed to her house, she\'d only be entitled to 50% or $4,000.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318955">\
	 <div id="dsq-comment-header-21318955" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318955" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318955">martha jenkins</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318955" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318955" class="dsq-comment-message">I sent out my amendment form for the new house tax credit, i mailed it May 7th,<br>does anyone know how long it will take for us to receive our refund. H &amp; R block did the paper work but we had to mail it. so does anyone know how long it will take? I sure could use the money now.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318956">\
	 <div id="dsq-comment-header-21318956" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318956" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318956">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318956" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318956" class="dsq-comment-message">It took 10 weeks for my son to get his back.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319028">\
	 <div id="dsq-comment-header-21319028" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319028" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319028">Tom in Oregon</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319028" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319028" class="dsq-comment-message">we have been waiting 13 weeks, we sent ours off on april 8 after calling them yesterday they are now telling me it could take up to 16 weeks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318957">\
	 <div id="dsq-comment-header-21318957" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318957" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318957">Amy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318957" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318957" class="dsq-comment-message">My boyfriend and I are buying a home.  He has never owned and I am in the process of selling mine.  To qualify for the $8000 - my name could not be on the deed at date of purchase.??   Could be on the loan at date of purchase??  Is it possible to then add my name to the deed say a month later?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318958">\
	 <div id="dsq-comment-header-21318958" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318958" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318958">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318958" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318958" class="dsq-comment-message">Is Flexo no longer blogging on this site?  I\'ve not seen a comment from him since 03/29/09 and I was really looking for an expert\'s advice to my post from 06/04/09.  If anyone else out there knows the answer or can refer to someone or web site with the answer I would greatly appreciate it.  Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318960">\
	 <div id="dsq-comment-header-21318960" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318960" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318960">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318960" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318960" class="dsq-comment-message">Amy,<br>I believe as long as you and your boyfriend were not married prior to the purchase he can claim the entire $8,000 but if your name appears on the deed to the newly purchased home he is only eligible to claim 50% or a $4,000 tax credit.  You might refer to my earlier post from 06/04/09 to see me whining about the fact my son and daughter in law got married during the 90 days it took from her loan application date to her closing date.  If you\'re not on the deed to the new house and provided each of you file separate tax returns he (and you if he\'s inclined to share) not only is entitled to the $8,000 but can even file an amended return for 2008 now and receive that money likely within about 10-12 weeks instead of having to wait until 2010 to get the money.  Be sure he attaches IRS Form 5405 in order to receive the refund.  It\'s a very simple 1 page form and can be downloaded from the IRS web site.  Hope this helps.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318961">\
	 <div id="dsq-comment-header-21318961" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318961" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318961">Leigh Ann</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318961" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318961" class="dsq-comment-message">My husband and I just moved into (in April 09) a home that we built ourselves.  We have no mortgage so no HUD or anthing like that.  We do however have reciepts for everything we bought.  Would  we still qualify for the credit or do you actually have to borrow money?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318962">\
	 <div id="dsq-comment-header-21318962" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318962" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318962">Donna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318962" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318962" class="dsq-comment-message">You certainly do qualify!  We\'re in the same boat, and all you need to provide is a certificate of occupancy.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318964">\
	 <div id="dsq-comment-header-21318964" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318964" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318964">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318964" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318964" class="dsq-comment-message">You apply for and receive the credit after purchase. You need to pay for the down payment and closing costs at purchase time.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318965">\
	 <div id="dsq-comment-header-21318965" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318965" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318965">rs</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318965" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318965" class="dsq-comment-message">You do not have to borrow money.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318966">\
	 <div id="dsq-comment-header-21318966" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318966" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318966">b</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318966" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318966" class="dsq-comment-message">i am wondering, my boyfriend owns a home and looking to refinance but requires a co-signer due to high dedt ratio.  I have not owned a home in the past 3years and file a seperate tax return- do I qualify for the tax credit or half of the credit?  plus I live in the home and my name will be added to the deed.  let me know, thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318969">\
	 <div id="dsq-comment-header-21318969" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318969" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318969">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318969" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318969" class="dsq-comment-message">Since it\'s not technically a purchase neither of you qualifies for any of the credit...UNLESS the lender handles the loan as a purchase money transaction in which your boyfriend sells the home to himself and you with a warranty deed or any other form of property sales form your particular state recognizes.  By selling it rather than calling it a refinance the home ownership actually changes title from John Doe, an unmarried  person to John Doe, an unmarried person and Mary Jones, an unmarried person.  That way both of you own as tenants by the entirety.  I would not recommend holding title as tenants in common because if you do and either of you dies, the property will get tied up in probate (expensive process) and the surviving owner is not entitled to the entire property.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319083">\
	 <div id="dsq-comment-header-21319083" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319083" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319083">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319083" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319083" class="dsq-comment-message">HI GARY, If i have not filed for the home buyers tax credit can i wait until i file for my 08 taxes next year?? i purchased in march 08</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318967">\
	 <div id="dsq-comment-header-21318967" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318967" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318967">Treneka</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318967" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318967" class="dsq-comment-message">I filed an extension this year, knowing I would purchase a house this year. We have decided to build a house that won\'t be finished until the beginning of November. I have to file taxes by October 15. Can I still claim this house for 2008 taxes?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318970">\
	 <div id="dsq-comment-header-21318970" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318970" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318970">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318970" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318970" class="dsq-comment-message">You will need a Certificate of Occupancy by the time you file your 2008 return; however, the automatic extension for your 2008 return is not the final extension you can get.  As long as you\'ve paid at least 90% of your tax liability by 04/15/09 you can file for another extension on that return prior to 10/15/09.  The IRS doesn\'t have to approve your request but in most cases they don\'t have any problem with issuing another 90 day extension.  That should allow you to obtain your Certificate of Occupancy while still being able to claim the tax credit for 2008.  Disclaimer.....I am not a tax professional and you should not rely on any of my suggestions as gospel.  That\'s why tax professional must prove their qualifications and make their income from dispensing advice knowing they have a bond guaranteeing you their advice is sound (although they\'ve been known to make mistakes as well).</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318968">\
	 <div id="dsq-comment-header-21318968" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318968" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318968">MJ</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318968" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318968" class="dsq-comment-message">I made under $75K in 2008. I changed jobs in October 2008 and will make more than $75K in 2009. I purchased a condo in April 2009 as a first-time home buyer. Originally I thought I would only get about $2K of the potential $8K for the homebuyer tax credit when I file my 2009 return.<br><br>However, does it makes sense to file for the credit this year using a 2008 amended return? Would I most likely receive the full $8K using a 2008 amended return?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318971">\
	 <div id="dsq-comment-header-21318971" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318971" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318971">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318971" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318971" class="dsq-comment-message">MJ,<br>This isn\'t even a close call.  It\'s a "no brainer".  By all means file an amended 2008 return in order to receive your tax credit within about 10 weeks of filing that amended return.  You can even file the amended return electronically but still  tax credits are reviewed by IRS eyes in about 40% of the cases so you\'re probably still looking at 8 weeks or so if you refile electronically.  Don\'t forget to attach IRS form 5405.  Some folks have filed amended returns and been disappointed when hearing from the IRS over 2 months later that they failed to include that critical form.  Save yourself some frustration and download the form from the IRS website now while you\'re thinking of it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318974">\
	 <div id="dsq-comment-header-21318974" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318974" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318974">riesling</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318974" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318974" class="dsq-comment-message">i’m kinda in the same situation…<br><br>my 2008 income qualifies me for the 8k credit, however my 2009 income wont. i’ve been wondering if i can buy anytime this year before dec 1, 2009 and simply amend my 2008 income to get the 8k? or do i have to buy and close escrow by a certain date to be able to use my 2008 income? i was thinking that if i purchase more towards at the end of the year, i’d have to use my 2009 income (and def i wont qualify = ( … )</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318975">\
	 <div id="dsq-comment-header-21318975" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318975" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318975">Matt</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318975" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318975" class="dsq-comment-message">Gary, <br><br>Thanks so much for your help. Just one follow-up. Is there a deadline for filing 2008 amended returns?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318980">\
	 <div id="dsq-comment-header-21318980" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318980" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318980">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318980" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318980" class="dsq-comment-message">Yes, generally speaking there is a time limit.  There are some extremely rare cases dealing with returns filed by expatriots where they might be allowed to file a 1040X for up to 10 years past the original filing date but for this discussion you may file an amended return up to 3 years after you filed the original or 2 years after you actually paid the tax liability, whichever term is shorter.  For example if you filed your return 04/14/07 for the 2006 tax year you have until 04/14/10 to file a 1040X UNLESS you didn\'t actually pay your full tax liability until a later date of say 10/15/07 in which case you\'d have to file the 1040X by 10/15/09.  Expect to receive any additional money due you no sooner than 10 weeks after you file the 1040X, particularly during the summer months when more IRS employees are on vacation.  That\'s because just as Flexo says below, you can complete your 1040X using tax preparation software such as Turbo Tax or Money but you can not file it electronically.  You will need to print off a copy (also one for your records) and mail it to the IRS (don\'t forget to include any forms supporting your request for an additional refund like the 5405 when claiming part or all of the $8,000 first time homebuyer credit) because amended returns actually have an IRS employee review them before they give you any  money back.  My local IRS office states their policy allows for 8-12 weeks to process and get you your additional refund.  That still beats waiting until 2010 to get it after filing your 2009 return though.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318977">\
	 <div id="dsq-comment-header-21318977" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318977" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318977">Leigh Ann</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318977" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318977" class="dsq-comment-message">I was under the impression that the IRS didn\'t allow you to efile amendments!  How do you do this?  I was just getting ready to mail mine today, but if I can efile I\'d sure rather do that!<br><br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318978">\
	 <div id="dsq-comment-header-21318978" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318978" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21318978" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318978" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318978" class="dsq-comment-message">You can use online software for completing your amended return but you must print and file the form by mail.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318983">\
	 <div id="dsq-comment-header-21318983" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318983" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318983">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318983" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318983" class="dsq-comment-message">MJ,<br>I was incorrect in advising you that you could file a 1040X electronically.  Flexo is correct when he says you can use tax software to complete the form but you MUST print and mail it to the IRS along with any supporting documents such as the 5405 form.  See, I told you I wasn\'t a tax professional. (smile)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318973">\
	 <div id="dsq-comment-header-21318973" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318973" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318973">riesling</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318973" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318973" class="dsq-comment-message">i\'m kinda in the same situation...<br><br>my 2008 income qualifies me for the 8k credit, however my 2009 income wont. i\'ve been wondering if i can buy anytime this year before dec 1, 2009 and simply amend my 2008 income to get the 8k? or do i have to buy and close escrow by a certain date to be able to use my 2008 income? i was thinking that if i purchase more towards at the end of the year, i\'d have to use my 2009 income (and def i wont qualify  = (  ... )</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318982">\
	 <div id="dsq-comment-header-21318982" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318982" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318982">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318982" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318982" class="dsq-comment-message">riesling,<br>The Warranty Deed must show ownership of the property being transferred to you on or before 12/01/09 period!  As far as filing an amended 2008 return you\'ve got plenty of time to file that 1040X return to claim your tax credit.  Here\'s a question for you though.  Since it requires filing an amended return to claim this on your 2008 return and you can\'t file your amended return by e-file does it make more sense to go to the trouble of filing a hard copy only to wait 10-12 weeks to receive the money as opposed to just filing your 2009 return as early as possible in 2010 (let\'s say 02/15/10 hypothetically) electronically and receiving your refund/tax credit within about 3 weeks?  It may be about as broad as it is long but less paperwork if you don\'t buy until close to the 12/01/09 deadline.  You file an amended 2008 return on 12/05/09 and wait until perhaps as late as 03/05/10 or just file for the credit on your 2009 return electronically and receive your money/credit within 2 or 3 weeks of filing???</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318979">\
	 <div id="dsq-comment-header-21318979" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318979" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318979">Jess</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318979" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318979" class="dsq-comment-message">My father helped me qualify for a home so his name is on the deed, can I take him off the deed for me to qualify for the $8,000.00.  He has his own home, this home will be my first home bought and I will be living there, I will be making all payments.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318981">\
	 <div id="dsq-comment-header-21318981" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318981" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318981">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318981" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318981" class="dsq-comment-message">Jess,<br>If he had to be on the deed for you to qualify it\'s likely his name also appears on the mortgage.  It\'s problematic as to whether your lender (assuming one is involved) would allow you to remove your father from the loan and the deed.  A Lender\'s philosophy runs along the lines of "we\'d rather have 2 horses pulling the wagon instead of 1 if given the option."  You are still entitled to 50% of the tax credit expressed as 10% of the purchase price not to exceed $8,000.  This is because you and your father are co-owners and while he isn\'t eligible to claim any of this tax credit the co-owner who meets the qualification of not having owned a home in the last 3 years DOES qualify for a percentage commensurate with the percentage of ownership he has in the new home.  In other words if your purchase price was $60,000 you\'d be entitled to claim $3,000 but if the purchase price was $80,000 or more, your credit maxes out at $4,000.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318985">\
	 <div id="dsq-comment-header-21318985" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318985" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318985">Tricia Gout</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318985" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318985" class="dsq-comment-message">We are purchasing a home right now.  I bought a house 11 years ago, we are still in it.  My husband moved in when we married and I filed a quick claim deed for him.  Our house is on the market but I doubt it will sell before the closing on the new house.  In this market...who knows how long we will have double payments.  Our income would qualify us for the 8000 credit.  What about the fact that we still have a house?  Will that disqualify us?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318986">\
	 <div id="dsq-comment-header-21318986" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318986" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318986">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318986" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318986" class="dsq-comment-message">Tricia,<br>You are not eligible to claim any Tax Credit in connection with purchasing a new home.  The fact that you and your husband are on the deed to your present home at this time or any time within the last 3 years disqualifies you for this particular credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318987">\
	 <div id="dsq-comment-header-21318987" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318987" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318987">Ripa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318987" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318987" class="dsq-comment-message">We bought our first house on 29 december 2008. Is there anyway we can claim the $8000 tax credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318988">\
	 <div id="dsq-comment-header-21318988" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318988" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318988">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318988" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318988" class="dsq-comment-message">Ripa,<br>Sorry but timing really is everything with this program.  Had President Elect Obama announced he intended to get this legislation introduced and passed prior to taking office it\'s likely a lot of people would have postponed closing on their purchases.  You still got a good deal if you qualified under the old plan by getting to claim the $7,500 tax credit on your 2008 return even if you are required to pay it back over the next 15 years.  It\'s an interest free loan which only requires you to repay $500 a year as long as you own the house.  Of course if you sell the house in 10 years you\'ll have to repay the remaining $2,500 of the original $7,500 from the proceeds of your sale unless you want to trust yourself to have an extra $2,500 lying around on April 15th.  It\'s true the 2009 Act is a much better program for first time homebuyers by allowing 10% of the purchase price up to the maximum of $8,000 and not requiring any payback at all the 2008 deal still was a bad one either.  Bottom line is that in order to qualify for the entire $8,000 with no payback you must not have owned a house for the previous 3 years and close on your purchase between the dates of 01/01/09 and 12/01/09 inclusive.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318989">\
	 <div id="dsq-comment-header-21318989" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318989" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318989">George G. Clark</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318989" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318989" class="dsq-comment-message">What portions of the 1040X do I have to fill out for the first time home buyers credit</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318990">\
	 <div id="dsq-comment-header-21318990" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318990" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318990">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318990" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318990" class="dsq-comment-message">George,<br>You\'ll need to complete all of it but it\'s a fairly straightforward form which pretty much walks you through all the steps.   Just be sure to attach your form 5405 which is even a simpler form to complete.  Just follow the instructions on the form and remember that you must mail your 1040X along with the 5405 and supporting documentation to the IRS.  You can not file a 1040X electronically.  You can go to <a href="http://www.irs.gov" rel="nofollow">www.irs.gov</a> for additional information and froms suitable for printing.  Good luck!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318991">\
	 <div id="dsq-comment-header-21318991" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318991" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318991">JenGe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318991" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318991" class="dsq-comment-message">I have owned my home for 3 years.  I am considering refinancing with my boyfriend.  He qualifies as a first time home buyer as he has not owned a home in the previous 3 years.  Will he be allowed the credit if I refinance with him, which would make him a first time home owner? <br><br>If not, I\'m considering selling my house to him.  We\'re planning on putting the entire credit against the mortgage to lower our payment.  I\'m not concerned about selling to him as we\'re planning on getting married in 2010 and I trust him expliciately.  Also, both of our wills will clearly state where the house would go if one of us were to die.<br>I want to make sure which ever way we do it, it\'s completely legal.  Is it?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318992">\
	 <div id="dsq-comment-header-21318992" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318992" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318992">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318992" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318992" class="dsq-comment-message">If you refinance in both names before 12/01/09 and you are not married yet, he may claim 5% for his portion of the value of the home up to a maximum of $4,000; however, if you sell the home to him under a warranty deed and he can qualify for the home loan by himself without you on the loan, he can claim 10% of the purchase price shown on the transfer (sale price) up to a maximum of $8,000.  Oftentimes a person who is attempting to do this won\'t qualify to borrow the money because of a high debt ratio.  With the crazy market we\'ve been in for the last year or so, most underwriters have gone back to the old standard ratios of only 28% of a person\'s gross income being allowed to go toward the PITI (principal, interest, taxes and insurance) total payment followed by a maximum debt to income ratio (including all debt monthly payments + the house payment) of 36%.  Those figures had gotten up to 35% and 40% respectively until earlier this year when virtually all underwriters began tightening the reigns on credit.  If he doesn\'t qualify by himself you\'ve still got the option of selling the home via warranty deed to both of you as part of the refinance and him (only) claiming 5% of the purchase (refinance amount) price up to a maximum of a $4,000 credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318993">\
	 <div id="dsq-comment-header-21318993" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318993" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318993">Michelle</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318993" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318993" class="dsq-comment-message">I am purchasing my first home and I need to know how to use the $8000 tax credit,What I need to know is how do I go about acutually getting the money now so that I can use it as a down payment ,I don;t want to wait till I file my tax return.again I need to know what the steps are to get the money now</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318994">\
	 <div id="dsq-comment-header-21318994" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318994" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318994">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318994" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318994" class="dsq-comment-message">What you are inquiring about is probably the most misunderstood item related to the First Time Homebuyer Tax Credit out there today.  There are very precise steps that must be followed closely in order to gain access to the $8,000 and actually use a portion or all of it as down payment money.  There are even some attorneys who disagree on this.  Some say you must file an amended 2008 tax return and wait the 10 to 12 weeks it takes to receive that money before closing on the loan while others say they\'ve figured out a way to apply it directly as down payment money.  Still others say the only way to pull this off is if you\'re obtaining an FHA, VA, FMHA (Farm) or a loan that is preapproved by Fannie May or Freddie Mac.  The only cases I\'m aware of where anyone was actually been able to utilize the money as down payment funds were those loans administered by the United States Department of Agriculture Rural Development Agency.  With this program you don\'t actually apply the $8,000 Tax Credit to the down payment itself but rather this agency funds the loan with zero down payment which leaves you with getting the $8,000 later to use for furniture, adding a patio, etc. but be aware you must have a decent credit score (or no score at all) to qualify for this type of loan.  The home doesn\'t necessarily have to be located in a sparsely settled area but I do not believe homes in major metropolitian cities are eligible for this special program.  Since this particular program is so specialized I would recommend you speak with a mortgage professional and more specifically a mortgage broker.  I say this because the brokers must stay up to date on every little nuance which involves mortgage lending because they utilize so many different funding sources; much like independent insurance agents who write policies through a variety of companies and not just one company.  Find out more about this special no money down loan program at <a href="http://USDAloans.com" rel="nofollow">USDAloans.com</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318995">\
	 <div id="dsq-comment-header-21318995" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318995" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318995">Bill kolling</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318995" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318995" class="dsq-comment-message">How does the goverment know if I owned a house in the last three years?  What about this vacation home exemption?  What if I owned the property but rented it out and lived with someone?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318996">\
	 <div id="dsq-comment-header-21318996" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318996" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318996">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318996" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318996" class="dsq-comment-message">Bill,<br>Don\'t you know the government has almost everyone "on the grid" anymore?  Seriously, they use Social Security Number matches to see if you claimed any mortgage interest as a tax deduction on your last three years of 1040 forms.  If a lender issued you a 1099-M form for any one of the last 3 years they also supplied the government with the same information.  Vacation property can be exempted only if it is truly located in a recognized tourist destination spot and you can prove you didn\'t stay in the house/condo for more than 14 days during any one year period.  Be careful as filing a false return is a Federal Crime and not viewed lightly by the IRS.  You need to be knee deep in facts and supporting documentation if you intend to claim the only property you owned was a rental.   The IRS can be quick to challenge your reporting for the last 10 years with a special emphasis on the last 3 years.  You are on your own if you try to get cute and "beat the system".</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318997">\
	 <div id="dsq-comment-header-21318997" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318997" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318997">yvonne vasquez</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318997" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318997" class="dsq-comment-message">I bought a home in 2009. My sis co signed for me cause I had too much credit out. Can I get the full 8,000. The house is all mine and she has no interest in it. She was just helping me out on paper. I filed an amended and the irs got it 3/26. Still no word. They said Wait an additional 30 days for a response. And they are paying me interest. And if still no word by 7/16 a specialist has 7 days to contact me. I just hope  they are not gonna want her to file for half. Cause she will not wanna do it for me till next year.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319000">\
	 <div id="dsq-comment-header-21319000" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319000" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319000">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319000" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319000" class="dsq-comment-message">yvonne,<br>Check your paperwork closely.  Odds are that if sis had to co-sign for you she also has an interest in your property although this can vary by state.  Most lenders don\'t like complicated arrangements and usually put all signers on the promisory note AND the deed.  While I\'ve seen cases of multiple owners on a deed with only 1 of the owners on the note it\'s rare (but not impossible) a lender would require her to sign the note and not the deed.  Your lender can tell you if at the end of the year they plan to issue a 1099M form (interest paid on the home loan) to you only, 1 for each of you or if they plan to list both your names on 1 form and let the 2 of you sort it out between you as to who will take the mortgage interest paid deduction on your 1040 (tax) forms.  If sis\' name and signature appears on the deed along with your name she is definitely a co-owner.  The question then becomes "did you take title as tenants in common or joint tenants with rights of survivorship?"  If you took tile as JTWROS and you die, she gets the house.  If you took title as tenants in common, only your immediate heirs are entitled to the property, e.g., husband, a parent or children of legal age.  They would also take ownership with the obligation to satisfy the mortgage debt.  If your sis has owned a home in the last 3 years I would say you most likely will qualify for only half of the $8,000 tax credit.  The IRS may have set your request aside for special handling in order to determine how much if anything you are eligible for; hence the extra 30 days.  This is assuming you did remember to attach form 5405 to your request.  Don\'t be offended.  You wouldn\'t believe how many people have filed for this tax credit and failed to attach the proper documentation.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319003">\
	 <div id="dsq-comment-header-21319003" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319003" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319003">yvonne vasquez</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319003" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319003" class="dsq-comment-message">Hey, thanks for the reply. My sis and I have never owned a home and the paperwork shows joint tenants. We both would qualify. So I know worst case scenario would be we would each have to claim half. I did include form 5405. I actually had hrb do my amended return. But even they weren\'t sure. Cause they said this is all new. She helped me on paper. But when it comes to the house It was my down payment and the lender said they could remove her in 2 years. And all the paperwork comes with both our names on it. I wonder if I can let the irs know all this?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319004">\
	 <div id="dsq-comment-header-21319004" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319004" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319004">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319004" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319004" class="dsq-comment-message">At this point my advice would be to just wait like the IRS says to see if they need any additional information.  Whether you own this house or you and sis own it still depends entirely on whether her name and signature appear on the deed.  It\'s interesting that even H &amp; R Block\'s rep couldn\'t give you a definitive response.  As you said, it sounds like the very worst that could happen is that you and your sis will each be eligible for $4,000.  My guess is that you\'ll have your money by the first of August.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318998">\
	 <div id="dsq-comment-header-21318998" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318998" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318998">shannon</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318998" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318998" class="dsq-comment-message">Hi all,<br>I read thru all the blogs rather quickly to try and find an answer to my question, but didn\'t see it asked anywhere. I am wondering if purchasing a home via land contract, rent-to-own, or lease with option qualifies for the tax credit. I have never owned a home and right now, thanks to a nasty divorce, I don\'t have the credit for a conventional loan.  Anyone have any idea?  Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319001">\
	 <div id="dsq-comment-header-21319001" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319001" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319001">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319001" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319001" class="dsq-comment-message">shannon,<br>The whole idea behind the $8,000 tax credit for first time home buyers is to assist people with obtaining home ownership.  Unfortunately, land contracts, rent-to-own or lease with option transactions do not get the home transferred into your name prior to 12/01/09 in order to be eligible for the credit.  If you can get a seller to actually SELL you the home and carry back the mortgage on it which still requires you to make monthly payments on it, a warranty deed (transfer of ownership) would be created and filed at your county courthouse in the Recorder of Deeds (sometimes called Registar of Deeds) office which WOULD make you eligible for the tax credit.  The deed must be transferred into your name by 12/01/09 to qualify under the existing act.  Be careful when purchasing via land contract or any other method that does NOT actually involve a transfer of the deed!  Have an attorney review any such agreement before you sign it.  In many cases, the tax paying home owner can evict you with no more than 30 days notice if he later decides he\'d rather get all his cash sooner rather than later.  Also if he doesn\'t pay the real estate taxes the taxing authority could actually seize the home and sell it out from under you  on the courthouse steps to another party (often an investor) who once again can evict you by serving notice of his plans to do so.  While any TRUE  mortgages can be sold to another party the buyer of the note can NOT change any of the terms your original seller agreed to when he sold you the home.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21318999">\
	 <div id="dsq-comment-header-21318999" class="dsq-comment-header">\
	 <cite id="dsq-cite-21318999" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21318999">lenny</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21318999" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21318999" class="dsq-comment-message">i will be buying a mobil home with land that was originaly worth $45k i will be taking over the loan via owner finance assumable loan with about $40k on the loan will i qualify for the 10% tax credit and if so will it be for $40k or $45k</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319002">\
	 <div id="dsq-comment-header-21319002" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319002" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319002">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319002" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319002" class="dsq-comment-message">A mobile home does qualify under the act provided it includes the land it sits on.  Your tax credit can not exceed $4,000 because that represents 10% of what will be considered your purchase price.  The actual value of the home plays no part in the calculation.  While the seller has assured you his loan is assumable, be positive his lender agrees and is willing to have you sign documentation which obligates you to pay the lender directly ( don\'t make payments to the seller if he suggests you do so and he\'ll make the payment to the lender) and assures you there\'s no way the seller can ever come back and reclaim the property.  Oftentimes lenders will allow a buyer to assume a mortgage obligation via what is called an ASSUMPTION AGREEMENT; however, they retain the right to go after the seller in the event you should default on the loan.  That\'s why a lot of veterans who purchased homes several years ago utilizing their VA benefits and then sold them via assumption agreements found that when they went to use their VA benefits again to purchase another home discovered they could not use the benefit of a VA loan a second time until the previouis loan was paid off.  In some cases that might be several years before the buyer of their previous home would refinance or sell that other home.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319005">\
	 <div id="dsq-comment-header-21319005" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319005" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319005">Kay</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319005" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319005" class="dsq-comment-message">I purchased my home in 1994 sold it to my son in 2005 to prevent a foreclosure and be able to stay in the house. He bought it from me for $125,000 and I gifted back $25,000 so the loan amount ended up being only $100,000. I paid rent every month since. The house would sell for around $139,000.<br>I would now like to purchase my home back now. I heard there is a relative clause in the stimulus package that prevents you from buying or selling among relatives is this true? If not what is the best way to purchase the home back and be able to have him gift the most monies back to me or at least a part of the $25,000 I gifted to him and take advantage of the $8,000.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319006">\
	 <div id="dsq-comment-header-21319006" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319006" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319006">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319006" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319006" class="dsq-comment-message">Kay,<br>The IRS refers to real estate transfers that are "less than an arm\'s length" transaction, i.e., transfers between relatives and those are scrutinized very closely.  They have seen just about every trick in the book; however, that doesn\'t mean it\'s unlawful for relatives to sell property among themselves.  What the IRS does look for are transactions involving sales under market value and moving property in and out of Trust Accounts to avoid taxes.  I would not feel comfortable giving you advice about your specific situation and instead would encourage you to seek competent legal council before moving forward with your proposed purchase from your son.  A tax attorney isn\'t cheap but he/she could still be a bargain if you can legally construct this property transfer and claim the $8,000 tax credit.  More importantly, a tax attorney could prevent you from making a technical error that might result in not only missing out on the tax credit but subject you to some sort of penalty for attempting to claim the credit when you were not qualified to do so.  Caution should be used before attempting to put together something that could later unravel on you after you receive the $8,000 and wind up costing you not only the $8,000 but additional tax and penalties.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319007">\
	 <div id="dsq-comment-header-21319007" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319007" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319007">David42</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319007" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319007" class="dsq-comment-message">I am purchasing a house which is scheduled to close July 31st, 2009 and the bank told me I qualify for the $8000 from the government so how do I go about collecting it?  Can I get it this yeaar or do I have to wait until tax time next year? Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319008">\
	 <div id="dsq-comment-header-21319008" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319008" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319008">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319008" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319008" class="dsq-comment-message">David42,<br>You can claim the $8,000 sooner than next year by filing an amended 1040X return as soon as you close on your home; however, be prepared for a lengthy wait to receive your funds.  Amended returns can not be filed electronically but have to be completed and delivered by snail mail.  The wait was initially 10 weeks, then 12 weeks and some people who filed up to 14 weeks ago are still waiting for their money.  If you file your 2008 amended tax return, complete with form 5405 (download this from IRS.gov/forms) during the first week of August you "might" get your check by Christmas.  With the economy being what it\'s been it seems the majority of qualifiers for the tax credit have chosen not to wait until they file their 2009 returns and the volume has just swamped the IRS with requests.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319009">\
	 <div id="dsq-comment-header-21319009" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319009" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319009">Kay</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319009" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319009" class="dsq-comment-message">Thanks Gary, Will do just that. I am going to buy the house back regardless of getting the $8,000 or not. I was wanting to find out if it was possible to get to take advantage of that tax break as well. Thanks for your advise.<br>Have a great 4th.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319010">\
	 <div id="dsq-comment-header-21319010" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319010" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319010">marissa</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319010" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319010" class="dsq-comment-message">if we were to rent out the  basement in the house we were looking at getting would we still be able to get the credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319011">\
	 <div id="dsq-comment-header-21319011" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319011" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319011">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319011" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319011" class="dsq-comment-message">I believe you might techncially disqualify yourselves since a portion of the home you\'re purchasing would be considered commercial property; however, I suspect you would probably not be challenged if you aren\'t going to rely on the rental income to qualify for any loan you might be obtaining to purchase the home.  One thing for sure is that if you do NOT rent out a portion of your new home until after the 3 year moratorium expires you would be entitled to keep the entire 10% of the purchase price up to the maximum $8,000.  The 3 year waiting period is how long you must stay in the home as either your first or second residence in order to escape the clause in this Act  that would require you to repay the tax credit to the government.  Remember, the intent of this Act is to encourage more renters and other non-homeowners to invest in a single family home.  There will be some folks taking advantage of the ability to convert a bedroom into a home office for which they can deduct a portion of their house payment commensurate with that potion of their home which serves as an office for their small business, e.g., if your home is 2,000 SF and you use a small 10 x 20 room for an office you can deduct 10% of your utilities and house payment as a legitimate business expense.  Some people might suggest you just keep the rental agreement "off the books" and always have your tenant pay in cash but as a business professional I can\'t really advise you to do that.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319012">\
	 <div id="dsq-comment-header-21319012" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319012" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319012">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319012" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319012" class="dsq-comment-message">so i purchased a home this year late march and i applied for the 8,000 dollar refund and i recieved a letter from the IRS saying i purchased the home too late. Is there anyone who can help me figure this out?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319013">\
	 <div id="dsq-comment-header-21319013" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319013" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319013">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319013" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319013" class="dsq-comment-message">There are 2 programs you could refer to when claiming the Tax Credit.  The first one has to do with the $7,500 Tax Credit for qualifying first time home buyers who purchased in 2008.  That\'s the one that has to be repaid over a 15 year period of time.  The second one is for the 2009 Tax Credit which is $8,000 and never has to be repaid as long as you made your purchase between 01/01/09 and 12/01/09 and don\'t move out of the home for a minimum of 3 years.  You may have done what some others did and checked the wrong box on your form 5405.  If that\'s the case, be glad the IRS didn\'t give you the $7,500 Credit because you\'d then have $500 withheld from your future tax refunds for the next 15 years.  You may ask yourself why the IRS couldn\'t look at your attached documents and know full well you were actually applying for the 2009 credit but you have to remember........you\'re dealing with the IRS here.   It shouldn\'t be too hard to clear up though.  Just file an amended 2008 1040X and be sure to check the box  on form 5405 identifying the credit you\'re applying for is the $8,000 one for a home purchased in 2009.  Not a bad idea to attach a copy of your loan settlement sheet as well (HUD 1).  Remember that you can\'t file this 1040X form electronically.  It must be mailed and the wait for the check at last count was up to 14 weeks and counting.  If you file by 07/15/09 you "might" get the refund check before Christmas.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319014">\
	 <div id="dsq-comment-header-21319014" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319014" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319014">Adrian</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319014" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319014" class="dsq-comment-message">My home is being built but it wont finish till nov. 30th barring any problems. I dont think I will close by DEC 1, 2009. What can I DO? Did I just lose my 8k?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319015">\
	 <div id="dsq-comment-header-21319015" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319015" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319015">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319015" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319015" class="dsq-comment-message">Unfortunately it would appear that you will likely miss out on this particular portion of the Stimulus Act but you might want to consider splitting the $8,000 with your contractor if he can get your home finished to the point where a lender is willing to make the mortgage loan no later than 12/01/09.  Even if he can\'t do that just remember that many folks jumped on the bandwagon to beat the 12/31/08 deadline in order to get the $7,500 Tax Credit which has to be repaid over the next 15 years only to discover that had they waited until January, \'09 their Tax Credit would have been $8,000 with no payback required at all.  Who knows what incentive might be made available out there after 12/01/09, particularly if the economy is still sputtering along at that time.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319016">\
	 <div id="dsq-comment-header-21319016" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319016" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319016">Adrian</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319016" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319016" class="dsq-comment-message">Thanks for the help Gary.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319017">\
	 <div id="dsq-comment-header-21319017" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319017" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319017">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319017" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319017" class="dsq-comment-message">Where can i file an amended 2008 1040X form?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319018">\
	 <div id="dsq-comment-header-21319018" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319018" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319018">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319018" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319018" class="dsq-comment-message">Luis N.,<br>You asked where you can "file" the form and the short answer is of course with the same IRS office you would normally send a standard 1040 form to but I suspect you may have been asking where you can FIND the form 1040X.  Again, a fairly short answer.  They are generally available from your local post office, your public library and from the IRS web site.  I like to get my forms directly from <a href="http://www.IRS.gov" rel="nofollow">www.IRS.gov</a> because the odds of the form being the most recent edition are better if it comes directly from the IRS.  Some folks have found forms from the post office that were outdated and since the tax laws seem to change almost monthly of late the IRS website is by far your best bet.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319019">\
	 <div id="dsq-comment-header-21319019" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319019" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319019">Crystal</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319019" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319019" class="dsq-comment-message">Would the purchase of a home by my mother put into my son\'s name qualify him for the tax credit?  He is a student in college with no income so to speak.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319020">\
	 <div id="dsq-comment-header-21319020" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319020" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319020">John Leach</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319020" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319020" class="dsq-comment-message">I am a mortgage broker and I have a question for my clients.<br><br>I have a daughter who can not qualify for a mortgage so the parents are going to co-sign so she can buy her primary residence for her and her husband.  However, I am having difficulty convincing the underwriter that the parents are actually co-siging...they believe the parents are just using the daughter to purchase an investment property, which is crazy, but apparently HUD (FHA) is having a problem with this and is really cracking down on the underwriting of FHA loans.<br><br>So, my financing may have to change in that I will need put the mortgage into only the parents name, however still close title with all three borrowers on title.<br><br>This is from the IRS website:<br><br>S2. Taxpayer A is a single first-time home buyer. Taxpayer B (parent) cosigns for A and does not qualify. Both names are on the mortgage. Can Taxpayer A claim the credit and, if so, how much? <br><br>A. Yes. Taxpayer B is not a first-time homebuyer and cannot claim any portion of the credit, but A may claim the entire credit ($7,500 for purchase in 2008; $8,000 for purchase in 2009), if the home was purchased as Taxpayer A\'s primary residence.<br><br>I did not see anything about the borrower (daughter) having to be on the mortgage - only "if the home was purchased as Taxpayer A\'s primary residence".<br><br>Do you think the daughter would still qualify?<br><br>John</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319022">\
	 <div id="dsq-comment-header-21319022" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319022" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319022">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319022" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319022" class="dsq-comment-message">The loan and the homeownership issue are not mutually exclusive; however, to illustrate why the daughter is still entitled to the entire tax credit, consider the situation if the parents simply paid cash for the home but still had the daughter placed on the deed.  Many older couples employ this method when they have only 1 child living because it removes that asset from having to go through the Probate process.  One cautionary word here though.  Do NOT place the daughter\'s husband on the deed if he has owned a home within the previous 3 years.  In that case the credit would be lost.  Also placing the child\'s spouse on the deed means he would be entitled to his share of that home (or any proceeds from a sale) should they divorce.  The husband could still claim marital interest in some states but that can become messy and expensive for all concerned.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319021">\
	 <div id="dsq-comment-header-21319021" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319021" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319021">Daniel Girma</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319021" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319021" class="dsq-comment-message">My wife and I closed on our house 3/28/2009 we are first time home buyers but still we didn\'t find $8000 how can we got . Thanks daniel</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319023">\
	 <div id="dsq-comment-header-21319023" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319023" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319023">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319023" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319023" class="dsq-comment-message">First of all...shame on your buyer\'s real estate agent for not pointing out the tax credit you are entitled to.  Any agent worth their salt would have used that point as an additional sales tool to encourage you to purchase.  That agent failed to fulfil the fiduciary responsibility incumbent with obtaining a license to sell real estate.  But take heart, all is not lost.  Simply download form 5405 from the IRS website, complete it as instructed and submit along with your 2009 tax return and be sure to includ any supporting documentation such as the HUD-1 Form (the settlement sheet both you and the sellers had to sign at the closing which itemizes who paid for every item involved in the sales and/or financing transaction).  You may wait and file this paperwork along with your 2009 tax return in 2010 or you can download an additional form from the IRS website known as a 1040X or Amended Tax Return for a previous year and claim the credit on your 2008 tax return.  If you choose to file an amended 2008 return, expect it to take up to somewhere between Thanksgiving and Christmas before you receive your check.  While you may claim this tax credit on your 2009 electronic tax return filing, the same is NOT true if you choose to go the Amended Tax Return route to claim this credit on your 2008 return.  All 1040X (amended) returns must be filed via snail mail as the IRS won\'t accept them in electronic filing format.  This is because they must do at least some cursory investigation to be sure you really do qualify for the Tax Credit.  Some people try to hide the fact they or their spouse has owned a residence within the prior 3 years or incorporate the Tax Credit into a purchase of investment property.  The government will run a social security number search to see if you or your spouse has claimed any mortgage interest deductions on tax returns for 2005, 2006 and 2007.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319024">\
	 <div id="dsq-comment-header-21319024" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319024" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319024">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319024" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319024" class="dsq-comment-message">Thanks alot Gary. You are very helpful. Im still unsure about something though. If i have already filed my taxes and recieve my tax return. do i still have time and am i able to still apply for the home buyers tax credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319025">\
	 <div id="dsq-comment-header-21319025" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319025" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319025">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319025" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319025" class="dsq-comment-message">Luis,<br>The short answer to your question is yes.  Because the Stimulus Act wasn\'t signed until February it included a clause allowing anyone who qualified for the Tax Credit by purchasing a home between 01/01/09 (retroactively) and 12/01/09 to claim the credit on their 2008 return if they had not already filed their 2008 return or to file an amended 2008 return if their purchase occurred after April 15th and they\'d already filed their 2008 return by using form 1040X.  The unintended consequence of this Act allows those folks who have already filed their 2008 return, even if they received a refund to file an amended return and receive the credit via electronic funds transfer to their bank account or have a check mailed to them.  This will hold true even for people who close on the new purchase right up to 12/01/09.  The most important thing to remember though is to complete form 5405 and include some paperwork to prove you actually did close on a primary  or secondary residence during the eligible time period and MAIL the paperwork (no efiles allowed on amended returns) to the same IRS office who normally  handles your returns.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319026">\
	 <div id="dsq-comment-header-21319026" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319026" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319026">becky</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319026" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319026" class="dsq-comment-message">So we filed the amended tax forms for the 8,000.00 credit, but it has been over 6 weeks ago...has anyone actually received the money from the refund???</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319054">\
	 <div id="dsq-comment-header-21319054" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319054" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319054">Bret</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319054" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319054" class="dsq-comment-message">My wife and I filed an ammended return (via our tax attorney) in the first week of June. We sent a hard copy via certified mail. It is now August and we haven\'t recieved any answer on the time frame. The blanket answer of "6-8 weeks" seems to be false. Additionally, our tax attorney states there is no way to track the payment/ refund like you can on your traditional tax forms. The best guesstimate I have been able to verify is that folks will be getting these incentive payments more toward the end of the year.<br>This is obviously a bummer, but with the way the IRS is processing these ammended forms there is simply no dependable way of setting time tables.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319029">\
	 <div id="dsq-comment-header-21319029" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319029" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319029">Tom in Oregon</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319029" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319029" class="dsq-comment-message">has anybody herd  what the  current time frame is ? I was  told yesterday that it could take 16 weeks    I shure  hope not.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319030">\
	 <div id="dsq-comment-header-21319030" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319030" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319030">Larry</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319030" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319030" class="dsq-comment-message">I am glad to find this website. Regarding the 2009 Federal\'s $8,000 incentive, I\'ve been told by my agent that it\'s simply a cash check and I should check my mail box at my newly purchased property for required claim forms to be mailed to me by government.  Now I finally understand, after reading your informaiton, the incentive is actually a refundable tax credit, and I should take initiatives instead of waiting. <br><br>I bought a property in June 2009 with all cash as my first own principal residence. So, should I just I follow your #178 answer on 7/7/2009 to file an amended 2008 1040X? <br><br>Another question is even sillier,  but as I always filed my tax returns online, I have no idea but need to know where I can get the right paper forms for filing an amended 2008 tax return? <br><br>Thanks for help.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319031">\
	 <div id="dsq-comment-header-21319031" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319031" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319031">Kayla</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319031" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319031" class="dsq-comment-message">my husband and I purchased our first home in April and ammended our taxes on turbo tax. Does anyone know how long it will take to get our refund and will it be faster since we chose direct deposit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319034">\
	 <div id="dsq-comment-header-21319034" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319034" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319034">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319034" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319034" class="dsq-comment-message">You should have already received your refund; however, the tax credit portion may take longer as they are doing random testing in an effort to catch people trying to cash in on the credit who don\'t actually qualify for it.  There\'s a toll free phone number for the IRS posted on their web site you may use to check the status of your refund.  Expect several days to receive a response if requested by phone or mail but email responses are generally going out within a couple of days.  Your refund will always be much faster if you used the eFile system available as a service for all Turbo Tax customers.  Many people report getting their refunds deposited to their bank accounts within 3 weeks of filing as opposed to the traditional 12 weeks it takes to receive a check.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319037">\
	 <div id="dsq-comment-header-21319037" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319037" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319037">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319037" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319037" class="dsq-comment-message">At the rate the IRS is proceeding now, look for your check somewhere between Thanksgiving and Christmas.  If enough people will contact their Congressional Representatives and Senators you could probably see the IRS hire more temporary workers to get this stimulus money out to the people sooner.  The recovery can\'t begin until people have extra money to spend.  Senators love to step in front of the cameras and announce things like, "My subcommitte has scheduled hearings on August 11th to have the Head of the IRS come in and explain to us (and the American People) why it\'s taking so long to get this money out to the folks who are entitiled to it."  Pester your Senators and Reps with emails and phone calls.  They\'ll get the message.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319038">\
	 <div id="dsq-comment-header-21319038" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319038" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319038">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319038" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319038" class="dsq-comment-message">If you tried to file your amended return by E-File it will be rejected.  Amended returns must be filed the old fashioned way (snail mail).  You may want to get ahead of this by submitting another amended return manually now because they will most likely throw out your emailed amended return.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319032">\
	 <div id="dsq-comment-header-21319032" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319032" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21319032" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319032" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319032" class="dsq-comment-message">For those asking how to <a href="http://www.consumerismcommentary.com/2009/07/15/how-to-file-an-amended-income-tax-return-form-1080x/" rel="nofollow">file an amended income tax return</a> I have assembled a step-by-step guide: <a href="http://bit.ly/vRTEj" rel="nofollow">http://bit.ly/vRTEj</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319035">\
	 <div id="dsq-comment-header-21319035" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319035" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319035">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319035" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319035" class="dsq-comment-message">Flexo,<br>Very nice job and anyone following your step by step process should have no problem getting their Tax Credit approved.  I\'m not a tax expert either but my CPA has advised me the IRS will credit your account electronically if you request it.  They don\'t want lost checks any more than the recipients do and they\'re under a little heat right now to hire more agents and step it up with getting this money into the economy quicker than they\'ve been doing so far.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319033">\
	 <div id="dsq-comment-header-21319033" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319033" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319033">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319033" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319033" class="dsq-comment-message">CAN I FILE THE 5404 AND THE 1040X WRITTEN OUT BY HAND OR DOES IT HAVE TO BE TYPED?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319036">\
	 <div id="dsq-comment-header-21319036" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319036" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319036">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319036" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319036" class="dsq-comment-message">That\'s a 5405 form and while you certainly can complete the form by hand, don\'t expect the IRS to take a lot of time trying to decipher your handwriting.  As with anything be sure to write legibly or even better use block letters.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319040">\
	 <div id="dsq-comment-header-21319040" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319040" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319040">Kara</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319040" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319040" class="dsq-comment-message">My husband has a house on land contract from before we got married, I think that he may have marked that he owned his house on his taxes in the past, however the deed is not in his name due to the land contract and he doesn\'t technically own the house.  I recently  (June 2009) purchased a house in my name entirely, he is not on the mortgage/deed/etc.  Do we still qualify?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319046">\
	 <div id="dsq-comment-header-21319046" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319046" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319046">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319046" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319046" class="dsq-comment-message">Kara,<br>You may have a "catch 22" situation here.  Unfortunately there\'s a marriage penalty tied to this particular Tax Credit.  It doesn\'t matter if you purchase the home on your own or not.  The IRS will check to see if you filed a joint tax return with your husband and disallow the credit if they cross check his SS # and find that he claimed mortgage interest on the other house even though he didn\'t technically own it.  The sad fact is that had you not been married when you purchased your new house last month the situation of whether he owned a house or not would not matter.  I don\'t know how long he "owned" the other house but the only way I see for you to qualify for the credit would be if he went back and filed amended returns for every year in which he claimed the mortgage interest deduction and recalculated his tax liability.  It might be worth it if he\'s only had the house 2 or 3 years but likely not worth the hassle he\'s been claiming mortgage interest paid for 5 years or longer.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319041">\
	 <div id="dsq-comment-header-21319041" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319041" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319041">Dave</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319041" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319041" class="dsq-comment-message">My wife and I got married on 4/25/09, we then bought a house on 7/1/09.  We filed separately for 2008 so how would we file an amended return for 2008 to get our tax credit?  Joint/Single?  Would it be easier just to wait until we file jointly for 2009?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319047">\
	 <div id="dsq-comment-header-21319047" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319047" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319047">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319047" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319047" class="dsq-comment-message">The answer to this question depends on how much paperwork you want to get into and how long you are willing to wait for the tax credit.  It\'s only necessary for 1 of you to file an amended return and submit it via snail mail to the IRS with your 5405 form and proof of purchase attached; however, it\'s taking up to 18 weeks now for people filing amended returns to expect their checks according to the IRS.  In other words if you file the necessary paperwork by 08/05/09 you likely won\'t receive your check until right around Christmas.  If it were me I think I\'d just wait now and file for the credit on the joint return you and your wife will be filing in early 2010.  Then you can file electronically and get the benefit of the credit within only 2 or 3 weeks from the filing date with a lot less hassle.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319043">\
	 <div id="dsq-comment-header-21319043" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319043" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319043">Norriski</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319043" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319043" class="dsq-comment-message">I sent my 1040X and 5405 (filled out on turbo tax) in on May 21st.  I called the IRS yesterday and the guy said it hasn\'t even been put in the system yet... and that there "may" be additional information/paperwork needed.  Is this something that is happening to a lot of people and if that happens it will delay the return.  I was counting on having the money by the end of summer is that still a possibility? Or when can I possibly expect to see my money.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319048">\
	 <div id="dsq-comment-header-21319048" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319048" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319048">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319048" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319048" class="dsq-comment-message">If it seems like the IRS is making up some of these rules as they go along it\'s only because it\'s true.  This program is much like when Congress passes a law that requires government agencies to do something but fails to provide the funding to implement it.  The IRS had this dropped on them with very little warning and no suggestions of how to handle the increased manual paperwork.  I don\'t think the Administration and Congress realized that form 1040X is one of the few forms that can NOT be filed electroncially so every one has to be handled manually.  I think they\'re probably doing the best they can under the circumstances.  If you submitted your 1040X with only the 5405 form attached you can definitely expect to be asked to provide some kind of proof that you actually purchased a home.  My suggestion is to include a copy of your legal size Settlement Closing Sheet unless it was a brand new home in which case a Certificate of Occupancy will do for homes located in municipalities who issue those forms.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319050">\
	 <div id="dsq-comment-header-21319050" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319050" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319050">Norriski</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319050" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319050" class="dsq-comment-message">Well, that presents a problem as I can\'t just randomly send that in.  I\'m supposing they\'ll send a request for it, and if this is want is necessary then it should have been placed on the insturctions. (not your fault, but the federal government is annoying!)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319044">\
	 <div id="dsq-comment-header-21319044" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319044" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319044">Doug S</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319044" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319044" class="dsq-comment-message">Hi,<br>I was married and my ex- and I owned a home and were on title and mortgage together.  Now I am remarried.  Can my new wife qualify for the credit, as she has never owned a home before.  Also can we qualify together, because as a couple, "we" have never owned a home before?<br>Also.... does the house have be fully purchased by Dec 01, or, can it still be in escrow?  What if it is in escrow, and closes on Dec 3rd?<br><br>thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319049">\
	 <div id="dsq-comment-header-21319049" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319049" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319049">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319049" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319049" class="dsq-comment-message">I\'m afraid the news is not good with this answer.  If you were on a title to a home, whether by yourself or with someone else, you do not qualify.  Because you\'ve remarried your new wife can not qualify either since as her husband you DID have an ownership interest in another home within the prior 3 years.  Your new partner would qualify ONLY if she had not married you and could still qualify for a mortgage loan on her own.  Yes it\'s true.  Had you simply moved in together and not gotten married until after SHE purchased a home she could have qualified.  As to the escrow issue the answer again is no.  The closing Settlement Statement can not be dated later than 12/01/09.........unless Congress should decide to extend the offer.  The economy will probably dictate whether this act is renewed or amended past 12/01/09.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319051">\
	 <div id="dsq-comment-header-21319051" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319051" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319051">james</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319051" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319051" class="dsq-comment-message">I am trying to find a bank that will allow me to use the $8000 tax credit for a down payment. If anyone has info on this please email me at.          <a href="mailto:james.liquid@gmail.com" rel="nofollow">james.liquid@gmail.com</a><br>                                                                                        subject: tax credit</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319052">\
	 <div id="dsq-comment-header-21319052" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319052" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319052">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319052" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319052" class="dsq-comment-message">I\'ve found generally that a local real estate broker (not just an agent) can tell you if there are any lenders located in your area who will allow that.  The people who are really in the know on that subject though are the Mortgage Loan Originators who work for Mortgage Brokers or Mortgage Bankers.  They have access to sometimes as many as 20 different lenders and programs where most banks\' mortgage loan departments only use 1 or 2 secondary markets.  I know of no banks anywhere who\'ll make an in house loan (meaning they intend to keep and service the loan themselves) and allow the Tax Credit to be used as all or part of your down payment.  The Feds have really tightened down on the banks as to how creative they\'re allowed to be anymore.  I have heard there are a few lenders sprinkled across the country who will allow the Tax Credit to be used in that manner but I think they charge interest on the $8,000 until you actually receive the check which could be several months.  There simply isn\'t a lot of creative lending going on now for obvious reasons.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319053">\
	 <div id="dsq-comment-header-21319053" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319053" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319053">John Leach</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319053" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319053" class="dsq-comment-message">I have a client who is purchasing a home from a trust that his grandprents were the trustees for.  They never owned the property in their own name - it was purchased by the trust.  Would the IRS consider this a family transfer?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319055">\
	 <div id="dsq-comment-header-21319055" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319055" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319055">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319055" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319055" class="dsq-comment-message">Technically, they never owned the property since it was held in the Trust\'s name; however, I\'m not a tax attorney and this is probably a question better suited for an expert.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319056">\
	 <div id="dsq-comment-header-21319056" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319056" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319056">Daniel Stringer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319056" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319056" class="dsq-comment-message">I have been reading through all the post and have not seen a clear conclusion, it may be that there is not a clear answer, but:<br><br>1.  Can you file the amended tax return using Turbo Tax?<br>2.  What is the ETA on refund arrival:<br>     A. Direct deposit to an account<br>     B. Certified mail</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319057">\
	 <div id="dsq-comment-header-21319057" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319057" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319057">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319057" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319057" class="dsq-comment-message">I think the questions have been addressed over a period of several weeks but not all at one time.<br>1.  While you may prepare your amended tax return (1040X) on Turbo Tax you CAN NOT file an amended return electroncially.  You\'ll need to complete the amended return, include form 5405 (claiming the tax credit) along with a copy of your Settlement Sheet proving you actually did purchase a home and then mail the entire package to Uncle Sam.<br>2.  ETA has been 16 weeks and counting.  I am no longer advising folks to file the amended return because of the huge backlog the IRS is trying to slog through.  My advice now is to simply wait and file the 5405 form and copy of your Settlement Sheet along with your 2009 return because you CAN file that one electronically.  The difference is that when you file electronically you\'ll tend to get you refund (and $8,000 Tax Credit in this case) quickly, like within 3 weeks of filing.  That doesn\'t mean they might not have more questions about your return later but at least you\'ll have the money quickly and (A) Yes, they\'ll deposit it into your designated bank account right along with your refund if any.  (B)  While many people advise to send tax returns certified with a return receipt requested I\'ve still seen them lose the returns and require the filer to prepare another one.  The good thing about Turbo Tax combined with Electronic Filing (remember, I\'m advising to wait now until you file your 2009 return) is that it only takes about 5 minutes to create another copy if you need it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319058">\
	 <div id="dsq-comment-header-21319058" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319058" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319058">Norriski</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319058" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319058" class="dsq-comment-message">Gary,<br>Thank for for that last response to someone, it made things much clearer... too bad I didn\'t know this advise a couple months ago as I\'ve already filed mine... But here is my problem when I sent in my amended return with the 1040x and the 5405 I did not see anywhere where I was asked to send in the settlement sheet.  (I did this through turbo tax in May)... what will that mean for me? Will they contact me and tell me they need the additional documentation or should I attempt to contact them?<br><br>Thanks, Karen</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319059">\
	 <div id="dsq-comment-header-21319059" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319059" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319059">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319059" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319059" class="dsq-comment-message">&gt; The best thing you can do at this point is just be patient and wait for them to contact you.  It seems most people who are contacting the IRS themselves right now are getting different answers to the same questions, depending on which IRS employee they speak with.  As frustrating as it is, take heart in the fact that you will eventually get your check.  Who knows?  Maybe it\'ll be just in time for Christmas!!  I agree this stimulus check could help jump start our economy sooner if we could just get our hands on the promised money earlier.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319061">\
	 <div id="dsq-comment-header-21319061" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319061" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319061">Fansntt</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319061" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319061" class="dsq-comment-message">Hello,<br><br>I am planning to buy the house that I am renting from my landlord. Do I qualify for the 8000 credit?.<br><br>I was reading the form and it says "ou sell the home, or it ceases to be your main home, before the end of 2008." <br><br>Is not my house but is my main residence, I wonder if I still qualify for the credit?<br><br>Thanks in advance for your reply.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319062">\
	 <div id="dsq-comment-header-21319062" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319062" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319062">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319062" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319062" class="dsq-comment-message">Fansntt,  <br>You are very observant; however, keep in mind this form was originally a 2008 edition and the IRS was in such a hurry to get this form updated that they finally decided to use a hybrid version.  That\'s why some of the info refers to homes purchased in 2008 but most of the form refers to homes purchased in 2009.  The quote you refer to on page 1 was supposed to be removed from the form before it was released for print.  The very latest editions do not refer to that "cease to occupy before the end of 2008" nonsense.  If you\'ll scan on down to page 2, you\'ll find this verbiage for those who purchased or intend to purchase in 2009 (current deadline to purchase is 12/01/09).  It states "If you cease to own or otherwise sell this primary residence within 36 months of the date you acquire it you will be responsible to repay all the money you received as a Tax Credit".  Your form may read slightly different but I\'m quoting from the latest revision to form 5405.  Now, as to purchasing the home you reside in from your landlord the IRS draws no line against that as long as your landlord is not also an immediate family member.  Even if you leased the house with an option to buy,  the only date that matters is the closing date when the home becomes officially yours as the new owner.  Don\'t forget to attach the HUD-1 form, also referred to by many as the Settlement Sheet.  It\'s a legal size form and accounts for all the debits and credits involved with the transaction such as earnest money deposit, prepaid taxes and escrow amounts for future insurance premiums, etc. etc. etc.  I hope this helps.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319064">\
	 <div id="dsq-comment-header-21319064" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319064" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319064">Fansntt</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319064" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319064" class="dsq-comment-message">Thanks Gary!.. that was very helpful... Very confusing IRS forms tho.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319063">\
	 <div id="dsq-comment-header-21319063" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319063" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319063">Steph</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319063" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319063" class="dsq-comment-message">I\'ve read through the questions and realize mine is very similar to many already asked, so I apologize for asking it again, but I think it\'s a tad different - here goes: I own a home, my fiance does not and qualifies as a fhb.  If we marry and he (not me) buys a house (my name will not be on the deed), will he still qualify for the $8k tax credit?  Thanks so much for responding!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319065">\
	 <div id="dsq-comment-header-21319065" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319065" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319065">Steph</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319065" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319065" class="dsq-comment-message">I think I found my answer on the form 5405 - if we\'re married and I\'m not on the mortgage, he would only get half of the $8K...  If this is incorrect, would someone reply?  Thanks again!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319067">\
	 <div id="dsq-comment-header-21319067" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319067" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319067">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319067" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319067" class="dsq-comment-message">Steph,<br>You did find the correct answer.........technically.  If you can figure out how to postpone your marriage until after he closes on a house, he can claim the entire $8,000.  If you marry first and then he purchases a home, he gets only half.  Kind of a marriage penalty.  I\'m not giving tax advice here but if your plans won\'t allow you to change your wedding date some couples have chosen not to file joint returns for 2009 and instead wait until the year AFTER they get married to file jointly.  Remember though if you should choose to continue fililng separate 1040 forms as single people  you should also not claim each other as exemptions for 2009.  A cross check would match up Social Security numbers and you\'d risk losing even the $4,000.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319074">\
	 <div id="dsq-comment-header-21319074" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319074" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319074">Steph</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319074" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319074" class="dsq-comment-message">Thanks Gary!  It\'s funny to think that we\'re getting paid by the government to not get married...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319066">\
	 <div id="dsq-comment-header-21319066" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319066" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319066">Gary</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319066" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319066" class="dsq-comment-message">Hi a quick question... maybe someone can suggest some alternatives for my brother and I...<br><br>We would like to buy a home and qualify for the $8K credit...However our credit/income situation is a little unique and banks obviously are not into "unique" anymore!!<br><br>I have a credit score of 802...However, I am an independent IT consultant and my income is not as \'documentable\' as banks would like!  (About 30K yr for the last 5 yrs)<br><br>My brother\'s credit stinks... and in fact he does\'nt have a credit score...due to some health related obligations he was unable to pay he is considering a bankruptcy filing to clear those debts so as to rebuild his credit in the future.  What he does have though is a guaranteed monthly income from SSN/Disability and State Workman\'s compensation of $3000 per month until he dies...I will also qualify for SSN in 4+ years for about $1600 a month...<br><br>What we want to do is buy a small house or condo as our primary residence... hopefully using/combining his guaranteed income...my somewhat documented (last 3 years IRS) income and my excellent credit rating...We both have zero outstanding debt  (or in my brothers case will have shortly)...<br><br>We would put mortgage insurance on the house to pay it off in the event of either of us passing (either via the loan or life insurance policies)...with the intent that whomever stands last has somewhere paid for to live...<br><br>It seems that our plan is a little more difficult to put into place that we thought...Originally the plan was to buy FHA and go...but they wont use my superb credit combined with my brothers guaranteed income to generate financing!  (He has no crdit score and since he will file bancruptcy shortly wont have one for awhile)  Land contacts and lease options are an option , but we then lose the $8k stimulus funding...As usual these so called government  help plans for the little guy have catch 22s all over the place...<br><br>As a pair we would represent excellent credit  (mime) and no-risk income (his) now to pay a loan...In 4 years we would add my $1600 SSN to the guaranteed income stream...We want to buy now to take advantage of the low rates and $8K stimulus..is there any way you can suggest we might get financing to buy??<br><br>thx<br><br>gary</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319069">\
	 <div id="dsq-comment-header-21319069" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319069" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319069">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319069" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319069" class="dsq-comment-message">Please don\'t be offended but where you see your good credit and your brother\'s guaranteed income, a lender sees his bad credit and your "so so" documented irregular income.  In today\'s lending climate the rule of thumb is pretty much no bad credit accepted and 20% down payment is preferred.  Actually, this is exactly what home lending used to look like 20 to 30 years ago.  Regulators are jumping all over lenders who try to put together "creative" financing arrangements.  Your brother is just pretty much out of the market unless as you say, you can find a seller willing to finance the sale individually or lease w/option to buy.  You can probably qualify for a mortgage on your own although it may not be for as much money as your preferred house costs.  As far as future income is concerned the lender will not even take that into consideration in the present environment.  Documented history is the only thing they\'ll consider.  Good luck, it\'s going to be tough to qualify for any Tax Credit on your proposed method of puchasing/financing.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319070">\
	 <div id="dsq-comment-header-21319070" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319070" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319070">Gary</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319070" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319070" class="dsq-comment-message">Thanks for the response...I\'ve pretty much come to the same conclusion...just wanted to bounce it off someone to make sure I wasnt overlooking anything!  I have done a successfull land contract in the past...looks like another is required now!!  <br><br>thx  <br><br>gary</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319072">\
	 <div id="dsq-comment-header-21319072" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319072" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319072">Gary Thomas</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319072" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319072" class="dsq-comment-message">Definitely have an attorney draw up the paperwork on a land contract to be sure you comply with ALL the conditions.  Many contracts do NOT cover all the bases mentioned on the IRS web site.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319084">\
	 <div id="dsq-comment-header-21319084" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319084" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319084">pj</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319084" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319084" class="dsq-comment-message">Gary,<br>Since you and your brother only want to buy a "small house or condo", why not see how much loan YOU could qualify for alone - and then try everyway possible to put the rest as a down payment (current savings, you and bro saving every penny between now and closing, borrowing from relatives, etc....).  I assume your brother is currently living with you in an apartment...if not, he should be and should be saving MOST of his 3,000/mo for his/your home purchase.   For example, if YOU alone could qualify for a 50,000 loan and you+bro could scratch together 30,000 between now and Nov 30, you could buy a small condo for 80,000 (in many parts of the midwest/south anyway) and still get the 8,000 credit - all to you.  You will also not have to pay the expensive Mortgage Insurance since you will have &gt;20% down.  To Gary\'s point about lenders though, if you are looking to buy a 200,000 house/condo, you are out of luck, because you simply don\'t qualify and shouldn\'t be buying anyway.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319068">\
	 <div id="dsq-comment-header-21319068" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319068" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21319068" href="http://www.mathewsteamrealestate.com/" target="_blank" rel="nofollow">CLM</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319068" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319068" class="dsq-comment-message">FYI...found this Q&amp;A on the IRS website...<br><br>Q. Can a taxpayer claim the first-time homebuyer credit if the purchase is pursuant to a seller financing arrangement (for example, a contract for deed, installment land sale contract, or long-term land contract), and the seller retains legal title to secure the taxpayer\'s payment obligations?<br> <br>A. If the taxpayer obtains the "benefits and burdens" of ownership of a residence in a seller financing arrangement, then the taxpayer can claim the credit even though the seller retains legal title. Factors that indicate that a taxpayer has the benefits and burdens of ownership include: 1. the right of possession, 2. the right to obtain legal title upon full payment of the purchase price, 3. the right to construct improvements, 4. the obligation to pay property taxes, 5. the risk of loss, 6. the responsibility to insure the property and 7. the duty to maintain the property. (New 7/2/09<br><br>Carolyn</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319071">\
	 <div id="dsq-comment-header-21319071" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319071" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319071">Gary</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319071" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319071" class="dsq-comment-message">So does this mean that LAND CONTRACTS/CONTRACTS to DEED and LEASE TO BUY ...qctually do qualify??  Can this be sonfirmed Y/N??<br><br>thx<br><br>gary</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319073">\
	 <div id="dsq-comment-header-21319073" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319073" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319073">Chris G</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319073" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319073" class="dsq-comment-message">I filed 2008\'s taxes in March 2009. <br><br>My AGI was over $95,000.<br><br>I purchased a home May 1, 2009.<br><br>This year my AGI will be $75,000.<br><br>Do I file a 1040X with 5405 and ammend last years return, or do I wait until January/Feb 2010 and file at that point?<br><br>Will I get $0 if I do the ammendment? ($95K AGI rule)<br><br>Thanks,<br><br>Chris</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319086">\
	 <div id="dsq-comment-header-21319086" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319086" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319086">pj</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319086" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319086" class="dsq-comment-message">Chris,<br>Yes...to filing next year for your 2009 taxes.  You do not qualify if you file on your 2008 taxes (you made too much).  You will get $0 if you file an amended 2008 return.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319075">\
	 <div id="dsq-comment-header-21319075" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319075" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319075">ernest</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319075" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319075" class="dsq-comment-message">irs sent me a letter saying they need my settlement papers in order to mail my credit.  i have waited 120 days(16 weeks) now i must wait longer. does anyone know how long the wait after you send irs  settlement papers. i faxed this to speed up the process.l</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319076">\
	 <div id="dsq-comment-header-21319076" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319076" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319076">nan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319076" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319076" class="dsq-comment-message">I am having a real problem figuring this out (duh) - I am going to buy a house this month for $106,000 - do I get 10% of that, or $8000????  I earn less than 30,000 a year.  HELP??</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319077">\
	 <div id="dsq-comment-header-21319077" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319077" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319077">Tammy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319077" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319077" class="dsq-comment-message">My husband &amp; I have not owned a personal home for 3 1/2 years. But, we built &amp; sold a house in 2007. We never lived in the house &amp; there was no motgage in our name, just the builders loan was in our name. Do we still qualify for the $8000 credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319078">\
	 <div id="dsq-comment-header-21319078" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319078" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319078">Rhonda Causseaux</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319078" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319078" class="dsq-comment-message">My husband and I purchased a town home about 5 years ago for our son and took out a kiddie condo loan and his name is on the deed.  We are totally responsible for the loan and claim everything on our tax return.  He has never made any claims on his tax return for the mortgage interest or anything dealing with the property of any sort and is now interested in purchasing a home.   Would he qualify for the $8,000.00.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319079">\
	 <div id="dsq-comment-header-21319079" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319079" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319079">LUIS N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319079" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319079" class="dsq-comment-message">I purchased a home this year in March and i still havent filed for the Home buyers Tax credit can i wait until i file for my taxes next year to claim it or do i have a deadline? and also i had a baby in March also and im currently not claiming her as a dependant can i eait until  i file my taxes next year?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319080">\
	 <div id="dsq-comment-header-21319080" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319080" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319080">Joan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319080" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319080" class="dsq-comment-message">Is it correct that you don\'t qualify for the 8,000.00, if you purchase a home from a relative.  My parents are retired and moved, my fiancee and i are renting the home and would like to buy the home from my parents but some one told us we couldn\'t qualify for the credit.  Can you explain?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319088">\
	 <div id="dsq-comment-header-21319088" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319088" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319088">pj</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319088" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319088" class="dsq-comment-message">Joan,<br>Correct, YOU can NOT buy from your parents and still qualify...however, your FIANCE can - assuming he meets all the other qualifications of FTB, Income limits, etc...  Just make sure that your "FIANCE" buys it and in his name only...if you get married before the purchase, then all bets are OFF as he will then be your husband and he will no longer qualify (weird but true).  Hope this helps...you are in better shape than newlyweds!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319081">\
	 <div id="dsq-comment-header-21319081" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319081" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319081">Josie</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319081" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319081" class="dsq-comment-message">Hi   To qualify for the $8000 credit,  do you have to close escrow  by Nov. 30, 2009?  Or do you just have to be in escrow and can you close after Nov. 30, 2009?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319082">\
	 <div id="dsq-comment-header-21319082" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319082" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319082">javier</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319082" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319082" class="dsq-comment-message">HI. i bought a house on 03 /10 /09 and i paid cash for it.. do i qualify for the $8000 ...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319085">\
	 <div id="dsq-comment-header-21319085" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319085" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319085">pj</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319085" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319085" class="dsq-comment-message">Javier,<br>Paying cash doesn\'t matter, so you WILL qualify given you meet the other criteria...income, not buying from a relative, occupancy date, etc...  To be clear, the 8000 tax credit is for "Buying a home", not for taking out a loan!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319089">\
	 <div id="dsq-comment-header-21319089" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319089" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319089">SLB</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319089" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319089" class="dsq-comment-message">I recently purchased a house and filed the ammendment for my 2008 tax return so I could recieve the tax credit now as apposed to later. I filled it out with the closing date which at that time was in the future. The IRS sent it back saying we needed to be owners of the house before we could apply for the credit. I have since sent in a new form with the correct date and own the house. Should this cause much of a problem in recieving my tax credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319090">\
	 <div id="dsq-comment-header-21319090" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319090" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21319090" href="http://www.burksstudio.com/" target="_blank" rel="nofollow">Antonio</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319090" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319090" class="dsq-comment-message">If I recieved my tax return direct deposit, is the FTHB Credit going to be deposited electronically or mailed via paper check?  Also, if it was mailed paper check, and on my amended return, i selected not to update address with IRS, will they then (if mailing paper) send it to the address that was listed on my original return, or automatically send it to the FTHB address that is listed?  Thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319094">\
	 <div id="dsq-comment-header-21319094" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319094" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319094">David</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319094" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319094" class="dsq-comment-message">I have the same question as Antonio. I am closing on my house in two days and mailing in the 1040x and 5405 the same day. I originally got my tax return direct deposited to my bank account. However I recently closed that bank account. I am wondering if my FTHB credit will get direct deposited as well just because my initial tax refund was direct deposit? Or will it come by check? <br><br>Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319091">\
	 <div id="dsq-comment-header-21319091" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319091" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319091">Krystal</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319091" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319091" class="dsq-comment-message">Okay, somebody help me PLEASE! <br>We purchased a new home in August of 2008. We did not claim the First Time Buyer Credit on our taxes for 2008. Now it is 2009 and we want the credit.  Do I have to amend my 2008 taxes?? Or can I claim the credit on my 2009 taxes?? This is so stressful! Somebody just give me $7500 PLEASE! : )</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21359466">\
	 <div id="dsq-comment-header-21359466" class="dsq-comment-header">\
	 <cite id="dsq-cite-21359466" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21359466">Trish</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21359466" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21359466" class="dsq-comment-message">The 7500 you will have to payback. If you bought the house in 2009, the 8000 is a US tax payers gift to you with no payback</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319095">\
	 <div id="dsq-comment-header-21319095" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319095" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319095">ernest</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319095" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319095" class="dsq-comment-message">update it took 16 weeks for irs to get my return to processing. then they needed  closing papers  2 weeks later (18 weeks) they said they would get back to me. 2 weeks later (20 weeks)  2 weeks later(22 weeks) i get letter saying i will get  my 8000 credit  and interest . today oct 5 i finally get my check. total wait 5 months 20 days. i will pray for everyone else to get their credit soon.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319096">\
	 <div id="dsq-comment-header-21319096" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319096" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319096">Wayne Goode</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319096" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319096" class="dsq-comment-message">My question is I bought a house in 2001. My wife was not working at that time and I was the only income used to secure the loan. I think my wife is on the Deed. We just bought another home a few months ago using my wife as the primary, I am on the loan also. Would my wife qualify for the tax credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319097">\
	 <div id="dsq-comment-header-21319097" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319097" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319097">Boone Parker</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319097" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319097" class="dsq-comment-message">I closed on my home a month ago and don\'t know what steps to take to get my tax credit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319098">\
	 <div id="dsq-comment-header-21319098" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319098" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319098">GregBRuss</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319098" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319098" class="dsq-comment-message">Trying to get everything filled out to amend my taxes. <br><br>Do I need to fill out anything in Part I of 1040x? Page 4 of the instructions say "If you are providing only additional information and not changing amounts you originally reported, skip lines 1 - 33 and complete Part II and, if applicable, Part III."<br><br>Do I send only the 1040x and 5405 forms, or is there anything else I need to include?<br><br>Thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319099">\
	 <div id="dsq-comment-header-21319099" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319099" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319099">Daisy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319099" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319099" class="dsq-comment-message">I\'ve filed for an amendment for the 2008 Fed tax return but I was wondering 2 things about state:<br>- Does Oregon offer additional tax credit for first-time homebuyer?<br>- Do we have to do an amendment to our state tax return as well as the fed\'s?<br>Thanks for your help in advance</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319100">\
	 <div id="dsq-comment-header-21319100" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319100" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319100">Lost</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319100" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319100" class="dsq-comment-message">There must be a new law are something. I have heard people say that they efiled last month for the first time home buyers credit. They received some form of debit card in the mail and a week later they were issued there 8000.00 tax credit the debit card sent to them from IRS. Is this true?  Where I work at many people have been using this so call IRS issued debit card for the tax credit. have you heard of this?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319101">\
	 <div id="dsq-comment-header-21319101" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319101" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319101">Amanda</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319101" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319101" class="dsq-comment-message">I bought my house in 2008 and did not even know about the $7500 loan amount. Is it possible for me to file for that on my 2009 taxes? I know I have to repay it over 15 years and it does seem unfair to me that those that purchased in 2009 don\'t, but anything will help at this point.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319102">\
	 <div id="dsq-comment-header-21319102" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319102" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319102">lisett</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319102" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319102" class="dsq-comment-message">If the deadline for the $8000 credit is November 31, when is the last day to file paperwork in order to qualify? Does the home have to close escrow before than or does it just have to be in process?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21319103">\
	 <div id="dsq-comment-header-21319103" class="dsq-comment-header">\
	 <cite id="dsq-cite-21319103" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21319103">James</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21319103" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21319103" class="dsq-comment-message">Amanda,<br>You can still amend your 2008 Tax Return any time and claim the $7500 loan amount,which however you need repay back.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21693480">\
	 <div id="dsq-comment-header-21693480" class="dsq-comment-header">\
	 <cite id="dsq-cite-21693480" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21693480">james</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21693480" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21693480" class="dsq-comment-message">what if your unemployed am I still Eligible for the 8,000?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-22142668">\
	 <div id="dsq-comment-header-22142668" class="dsq-comment-header">\
	 <cite id="dsq-cite-22142668" class="dsq-comment-cite">\
	 <span id="dsq-author-user-22142668">mary ann</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-22142668" class="dsq-comment-body">\
	 <div id="dsq-comment-message-22142668" class="dsq-comment-message">we are building a beach house on the land we have owned for 16 yrs.it will be complete around the end of nov/beginning of december.  our house was destroyed in ike, we have not bought a house in the past 3 years, live overseas, and would only use this new house approx. 2 months every year.. would we qualify for a credit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-22696891">\
	 <div id="dsq-comment-header-22696891" class="dsq-comment-header">\
	 <cite id="dsq-cite-22696891" class="dsq-comment-cite">\
	 <span id="dsq-author-user-22696891">Marsha</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-22696891" class="dsq-comment-body">\
	 <div id="dsq-comment-message-22696891" class="dsq-comment-message">If you only use it two months of each year, it is not your primary residence.  You would need to live there most of the time for 3 years to qualify.  I don\'t know what the cutoff is, but it would have to be more than half the time at least.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-22546723">\
	 <div id="dsq-comment-header-22546723" class="dsq-comment-header">\
	 <cite id="dsq-cite-22546723" class="dsq-comment-cite">\
	 <span id="dsq-author-user-22546723">HELP ME PLEASE!!</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-22546723" class="dsq-comment-body">\
	 <div id="dsq-comment-message-22546723" class="dsq-comment-message">i purchased a house on 5/29/09 (closed date). i filed for amended tax for the $8000 credit. they said they recieved it on 6/12/09. here it is 11/10/09 and still haven\'t recieved it. i s/w someone and they said they didn\'t know why i haven\'t recieved it yet. she said she would contact the processing center. what could be the problem? i was a day late last month, i hope that wasn\'t it.</div>\
	 </div>\
	 </li>\
	 </ul>\
';

(function() {
	
	





Dsq.Debug.profile(function() {
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}); // Dsq.Debug.Profile

// HACK: Resetting cache because we're done with.
Dsq.Utils.gebiFromElementCollectionCache = null;


	
	
	var dsq_styleEl = document.getElementById(disqus_container_id);
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	Dsq.Thread.fc = Dsq.Utils.getStyle(dsq_styleEl, 'color');
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	if(document.location.hash != '') {
		document.location.hash = document.location.hash.substring(1);
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	Dsq.Popup.showCookieMsgs();

	
	if(document.location.search != '' && location.hash != '#disqus_thread') {
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	// Private
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	// Public
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			startTimer();
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// also used in embed_thread.js:
window.fbIsReady = function () {return window.FB && FB.init;};
// NOTE: This script gets executed again without threadEl
//       set when we are loaded again as the fbc_receiver.
//       In this case, we don't need the hidden container.

if(!window.FB || !FB.init) {
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		fbDiv.style.left = '-10000px';
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			// HACK: This is a workaround FBC's single domain limitation by
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}


	


if(typeof(disqus_callback) == 'function') {
	var callback_params = Dsq.Utils.getRequestParams()['dsq_cbp'] || null;

	// We don't care about any errors in third-party code
	try {
		disqus_callback(callback_params);
	} catch (x) {
		if (typeof(console) != 'undefined' && typeof(console.log) == 'function') {
			// But it would be nice to let developers know about them
			console.log(x);
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		// pass
	}

	// HACK: We don't know if the callback wraps our container, which may
	// possibly result in a new DOM element.
	Dsq.container = document.getElementById('dsq-content');
}

})();




