Lots of information on the IRS website. As you know, You have 3 years to claim a tax refund. This is measured from the original deadline of the tax return, plus three years. After that your refund "expires." It goes away forever due to the statute of limitations for claiming a refund. Consequently, as you're aware you've got a few years for which you can no longer claim refunds - although you will still owe any back taxes and penalties for those years. You'll know the outcome and how much, if any, of your 6k you'll get back only after preparing your delinquent returns. A few FYIs... The failure-to-file penalty is calculated based on the time from the deadline of your tax return (including extensions) to the date you actually filed your tax return. The penalty is 5% for each month the tax return is late, up to a total maximum penalty of 25%. The percentage is of the tax due as shown on the tax return. If your tax return is more than five months late, simply multiply your balance due by 25% to calculate your failure to file penalty. The failure-to-pay penalty is calculated based on the amount of tax you owe. The penalty is 0.5% for each month the tax is not paid in full. There is no maximum limit to the failure-to-pay penalty. The penalty is calculated from the original payment deadline (the original April 15th filing deadline) until the balance due is paid in full. Interest is calculated based on how much tax you owe. Interest rates change every three months. The interest is calculated for each day your balance due is not paid in full.

Well I feel a little odd being the only follow up to my own post but I spotted this article on Yahoo Finance today. Although not in exactly the same vain as my post, it adds credibility to my overall warning that the mortgage business and the mortgage itself as we know it are both about to change drastically. If you don't believe me, maybe you will believe Yahoo. Scott Here is a link that might be useful: Bye bye 30 year fixed rate mortgage

Mattie - to answer your question..... We have thought about if there was to be a switch in custody. I am fine with it. I just want my little SD where she can have some peace on a daily basis and not be thrown in the middle of this mess her mother is causing. I do have a daughter who is 14 - who's father was not involved in her life for years. We divorced when she was 2... and he just walked away. Now 12.5 years later he is trying to get his life together - so i purchased my BD a cell phone and got her an email account - so she can talk to her father. He is supposed to come and see her this summer - so I will let her see him and be involved with her dad - no matter if he has always been right or not - he is still her father. It is more important for me - for my daughter to know her father and have her questions answered by him - then to be upset with his past actions. He has to answer for those things to his daughter. Yabber: You know I dont have that book - but from what you say it may be worth us getting it and reading it. We don't have a clue what BM's issues are. DH tries not to argue with her, I refuse to argue with her about anything, we attempt to remain as peaceful as possible with the bull she pulls - mainly because there is a little girl thrown in the middle - and someone has to be stable in her life - and the other reason is because it is just not worth arguing with her. Fighting with her in my opinion will only make it worse - or feed into more hateful acts on her part. But now her actions have gotten progressively worse since the court case last Sept when the judge ordered her to stop this foolishness. My guess is that she just does not like the fact that she has to follow the court order. She has emailed DH before that no one will tell her what to do. So i am not sure if there is anything other than maybe someone who is angry and wants to get their way. If i had to take a guess, I would say may a vindictive ex with problems handling their anger - or a child who was so spoiled growing up - that still thinks she is supposed to have everything her way and the way she likes it. My husband thinks it might some jealousy as well.... of what i don't know but that's his opinion.

Did i-Cool for Menopause not work for you? Did it fail to relieve you of your hot flashes and night sweats? If so, you might be entitled to a refund. As part of a class action settlement, you can submit a claim for your refund here: http://i-coolclassaction.com/claim-verification/ It only takes a minute. If i-Cool for Menopause did not work for you, make sure you get your portion of the settlement funds before April 4th or it will be too late! Here is the notice: NOTICE OF CLASS ACTION LAWSUIT Doe v. DSM Nutritional Products, LLC et al. Case No. 30-2011-00510631-CU-MT-CXC (Orange County Superior Court) If you bought DSM Nutritional Products, LLC’s “i-Cool for Menopause” product you could be entitled to money from a legal settlement. A Settlement has been proposed in a class action lawsuit with DSM Nutritional Products, LLC (“DSM” or “Defendant”) involving DSM’s product, i-Cool for Menopause. A class action lawsuit pending in the Superior Court of California for the County of Orange entitled Doe v. DSM Nutritional Products, LLC et al. (Case No. 30-2011-00510631-CU-MT-CXC) may affect your rights. Plaintiff Jane Doe claims that Defendant misrepresented i-Cool for Menopause’s efficacy for the reduction of menopausal symptoms, specifically hot flashes. DSM vigorously denies these allegations and the Court has not decided who is right. A class action lawsuit was filed against DSM Nutritional Products, LLC (“DSM” or “Defendant”). In this lawsuit, Plaintiff claims, among other things, that the phrase “clinically proven to safely reduce hot flashes by up to 85%” on Defendants package was false or misleading in violation of California’s Consumer Legal Remedies Act (Cal. Civ. Code §§ 1750, et seq.) and California Unfair Competition Law (Cal. Bus. & Prof. Code §§ 17500, et seq.) The Action further alleges that Defendant’s alleged misrepresentations were designed to, and did, lead Plaintiff and others similarly situated (collectively the “Class”) to believe that the Product could cause an 85% reduction in hot flashes when it could not. DSM Nutritional Products, LLC denies that the phrase or any other representations are false, misleading or otherwise unlawful and the Court has not decided who is right. Your Options In This Settlement File a Claim. You must file a claim to remain in the Class. You will be bound by the Court’s rulings, but you can object to the Settlement. Claim Forms must be signed and postmarked (or submitted online) by April 4, 2016. By remaining in the Class, you will release claims against Defendant as outlined in the detailed Notice, which is available here. Exclude yourself and keep your right to sue the Defendant. Your written request for exclusion must be postmarked by April 4, 2016. Object to the Settlement and/or appear in Court, only if you remain in the Class. You may hire your own attorney for these purposes, but do not have to. Your written request to object or appear must be postmarked by April 29, 2016. The Court will hold a hearing (the “Fairness Hearing”) on May 20, 2016 at 9:00 a.m. (PST) in Department CX-102 at the courthouse located at 751 W Santa Ana Blvd, Santa Ana, CA 92701 to decide whether to approve the Settlement and determine the amount of attorneys’ fees and Plaintiff’s incentive awards. These options are explained in the Notice of Class Action Settlement Important Dates: Deadline to file and postmark objections (including any requests to appear before the Court): April 29, 2016 Deadline to submit a claim: April 4, 2016 Deadline to postmark requests for exclusion: April 4, 2016 Final Approval Hearing: May 20, 2016 at 9:00 a.m. (PST) For full information about the settlement, visit: http://i-coolclassaction.com/