Through a properly drawn will, you can...

* Protect your family's financial needs * Minimize taxes * Name an experienced executor or personal representative who will ensure that your wishes are carried out * Name a guardian for your minor children * Establish trusts to manage inheritances of any beneficiaries who may be minors or are otherwise inexperienced in asset management * Ensure that your assets will be managed prudently by appointing a qualified trustee of a trust created in your will * Avoid delays and added expense that intestacy proceedings may involve * Secure peace of mind that knowing your family and other loved ones will be taken care of according to your wishes.

For more information call toll free at 877-367-3242.

Cash strapped or not, it just doesn’t make sense to pay hundreds of dollars to borrow your own money especially when there are a number of free ways that filers can speed up their refund from IRS.

The easiest and least costly method to get your money from IRS is to change your income tax withholding on your W-4 with your employer. Your tax refund is based on money withheld from your pay during year. If you consistently receive a large refund at end of year, you should consider changing your income tax withholding during year so you’ll receive more of your paycheck throughout year. There’s no sense in giving federal government a free loan if you can avoid it.

If you don’t want to change your income tax withholding but would like to get you refund quickly at end of year, file your income tax electronically and have your refund deposited electronically into your checking or savings account -- it usually takes about 10 days. Electronic filing has become easier over years and for many tax payers it’s free.

In 2002, IRS implemented “Free File” program that allows millions of Americans to have their tax returns prepared and filed for free. The IRS partnered with 17 companies to provide service to tax filers. You’ll need to meet certain eligibility criteria and have internet access. For more information visit Free File section of IRS website at http://www.irs.gov or “Google IRS + free file.”

If your income is less than $35,000 you can get free help filing your return from Volunteer Income Tax Assistance program (VITA). VITA provides tax preparation for free throughout nation and many VITA sites can file your return electronically. To find a site near you, call 800-829-1040.

Companies like H&R Block and Jackson Hewitt make millions each tax season from unwitting taxpayers by appealing to their need for money to pay pressing bills. They offer quick money to help working poor, but, in reality, all their doing is fleecing those who can least afford it.

Be money smart and fill your return for free and let IRS deposit your return into your checking or savings account. The wait can save you $200 or more.