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Thom Hartmann

The nation's #1 progressive radio talk show host and the New York Times bestselling, 4-times Project Censored winning author of 21 books in print. In its eighth year, The Thom Hartmann Program  airs live daily, NOON – 3pm, ET simulcast as both radio and TV on over 120 radio stations. into more than 50 million homes via both nationwide satellite TV systems (DirecTV and Dish Network). http://www.thomhartmann.com

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Crocodile dung, Queen Anne’s Lace and Lysol

A History of Contraceptives
Part One

This is a three-part article summarizing the past 4,000 years of women’s contraceptive practices.  And for the record, abstinence was never a choice given to women so it is not included.  Defying death, sin, laws and the medical community, women have forever sought control over their fertility and the spacing of their children’s births.

From ancient written texts to current discussions, we know that women have sought and continue to seek means to control fertility and family size.  With accounts of potions containing common plants to the use of physical barriers, and laboratory chemical compounds to medical devices, women and their choice of contraception have woven a complex history teeming with knowledge and acceptance, religion and fear, illegality and morality, modern medicine and regulation.

It is theorized that experimentation of human contraceptives began when early societies noted that their livestock were not conceiving while eating in pastures containing certain plants.  From this observation, natural substances began to be explored for contraceptive properties.

crocodileAn Egyptian medical writing, from around 1850 B.C., lists fragments of three prescriptions for contraceptive vaginal suppositories with an interesting ingredient - mashed crocodile feces (early Arabic texts cited elephant dung)!  Modern research found that crocodile feces would have been ineffective, but acidic elephant dung, used as a pessary, or cervical covering, mixed with honey or olive oil, as directed, could be a valid spermicide.

Ancient Greeks successfully used plant, herb and mineral ingredients such as acacia, pepper, lead (yes, lead) or frankincense and/or juniper berries in a base of oils of cedar, peppermint or honey.  As a pessary, they were applied just before or following intercourse.  Men applied a juniper mixture directly on the penis before intercourse.  Recipes of oral potions containing leaves or bark of hawthorn, ivy, willow and poplar were thought to have sterilizing effects and were often used as follow-up to a barrier method.

Silphium, a giant fennel, growing around the Greek city-state of Cyrene, in North Africa, was a highly effective contraceptive and abortifacient.  This plant was so vital to Cyrene’s economic vitality that it was stamped on their coins, and so successful for its results that it was harvested to near extinction by the first century A.D.

Soranus, an early second century writer on gynecology, listed ten plants in his recipes for oral contraceptives: cyrenic juice (Cyrene’s silphium), opopanax, rue, leukoion seeds, myrtle, myrrh, white pepper, rocket seed and cow parsnip; additionally, he mentions douche mixtures of alum and wine, and seawater with brine and vinegar.

While modern research has proved most of his prescriptions to be effectual, Soranus also listed the following contraceptive regimen that, although interesting, is highly suspect:  the woman was to draw herself far enough away during intercourse to prevent the seed from being hurtled deep within the womb; then, after intercourse, she was to squat down, induce sneezing, wipe out her vagina, and drink something cold.  Ahh – what a visual!  Soranus’ early rhythm method of avoiding intercourse during the woman’s most fertile times would probably have been more successful had he not actually recited the most fertile part of a woman’s cycle.

Early Romans assisted their contraceptive potions with magic.  Two odd and ineffectual prophylactic amulet “prescriptions” were: (1) the wearing of a weasel liver (Huh?) to prevent conception up to a year; and (2) a spider’s egg containing two worms attached to the woman’s body with deerskin before sunrise. (Attached where?)

From these ancient texts it is inferred that women generally had society’s permission to control their fertility.  Around the 4th century, this power began its demise with the advent of Christianity in the West.  The Church held that contraception was against God’s will.  This announcement meant that women would be held accountable for their sins – of any contraceptive actions taken before or after intercourse.

The Medieval Ages, aka Dark Ages, with the spread of Christianity, plunged contraceptive knowledge into obscurity.  When medieval scholars translated the ancient texts, they edited, purged, and censored the contraceptive information on herbs, plants and devices such as pessaries and douches.  In keeping with the Church’s dictum, medieval medical texts instead contained abundant prescriptions for aphrodisiacs and fertility inducers.  Interestingly, during this time, there is the first mention of men practicing coitus interruptus, but this too was soon condemned by the Church as an unnatural act.  With the criminalization of contraception, as well as abortion, and because some of the plants used as contraceptives did have abortifacient or emmenagogue properties, all information on these plants and concoctions began to be “forgotten” and not considered part of a physician’s knowledge. Indeed, even between women and midwives, sharing of this information would be unlawful and sinful.

But regardless of the Church’s condemnation, women covertly sought control over their fertility.  Too many children born in too short a time frequently led to unhealthy babies, declining health of mothers and less food and prosperity for the family.  Gone was the use of animal feces, but the use of medicinal plants continued to be quietly passed down through folklore, woman to woman, though more so within rural populations.

In Part Two, contraception moves out of the Dark Ages and enters the Age of Enlightenment.  Will it remain blanketed in the shadow of religious sin?

When not questioning authority, Karry might be found homeschooling her children, practicing Hula, or with her bow at the archery range.

Never too Much of a Good Thing..

Welcome to June, fellow Californians.  Welcome to TWO elections this month!

Just a reminder that we have two very important elections this month:  the regular primary election on June 8 and the special election on June 22. Both are essential elections to the future of SLO County and to California.

June 8 is the primary election that can actually elect county supervisors in District 2 (Bruce Gibson) and District 4 (Jim Guthrie).  Electing these two in June avoids a run off election in November and will keep a rational, planned growth majority on the Board of Supervisors.  Bruce and Jim have the experience and knowledge to balance good business practices with the need to preserve the open spaces and agriculture properties that make SLO County such a desired place to visit and stay.  Electing their opponents could open us up to looking like Santa Monica. Not what I'd like to see.

June 8 is also where we get the opportunity to vote on propositions.  There are three that it is vitally important that we defeat: 

Proposition 14 - Top Two Primary.  This is Abel Maldonado's last extortion to vote for a budget.  Under this measure, there would be no party designation on the primary ballot and the top two vote getters would go to the General Election.  This would mean that smaller parties would almost never have the opportunity to have a candidate on the General Election ballot and you could end up with two candidates from the same party as your final two choices.  Can you imagine only having the choice between Katcho Achadgian and Matt Kokkonnen on a November ballot.  I call this disenfranchising the voters.

Proposition 15 - Two-Thirds Vote for Local Power.  This is also known as the preserve PG&E's monopoly status initiative.  At last count, PG&E has spent more than $44 million qualifying and promoting their initiative.  They want to be able to prevent local municipalities (like Marin) who negotiate for lower power rates directly from suppliers or want to provide green power to their communities from ever being able to do so. We know that the 2/3's vote has worked so well on the California budget process that PG&E wants to use it to preserve the status quo in power management.  Oh, after spending all of this rate payer money without an approval vote, PG&E is also asking for a rate increase.

 Proposition 17 - Auto Insurance Regulations.  This one is brought to you by Mercury Insurance and wants to penalize anyone who has dropped their auto insurance because, oh, they sold their car or were deployed overseas, or suffer from a condition that makes them unable to drive.  Again, when a big company in the industry is the one putting the money and effort behind an initiative, it is never the average citizen who will benefit.

Now we come to June 22.  This is the Special Election that the Governator called to fill the 15th Senate District race.  By electing John Laird in June, we can once again have representation in the California Senate for the Central Coast.  John has a proven record as a leader, with a great environmental record, experience in passing an on-time budget in the California legislature, and will once again give us a progressive voice in Sacramento.  Unlike his opponent, Sam Blakeslee, John will never vote for off-shore oil drilling (which Sam did just last year).  He will hold California companies to paying their fair share for services and resources they take from the people of the state and will serve with honesty and integrity.

Whether you go to the polls for each election or send in you absentee ballot, please make sure to vote in both elections.  Your vote can and will make a difference.

Why celebrate Constitution Day

On September 17, 1787, forty-two of the 55 delegates to the Constitutional Convention held their final meeting. Only one item of business occupied the agenda that day, to sign the Constitution of the United States of America.
Since May 25, 1787, the 55 delegates had gathered almost daily in the State House (Independence Hall) in Philadelphia to revise the Articles of Confederation. By the middle of June,

it became apparent to the delegates that to merely amend the Articles of Confederation would not be sufficient. Instead, they would write an entirely new document designed to clearly define and separate the powers of the central government, the powers of the states, the rights of the people and how the representatives of the people should be elected.
After being signed in September of 1787, Congress sent printed copies of the Constitution to the state legislatures for ratification. In the months that followed, James Madison, Alexander Hamilton and John Jay would write the Federalist Papers in support, while Patrick Henry, Elbridge Gerry, and George Mason would organize the opposition to the new Constitution. By June 21, 1788, nine states had approved the Constitution, finally forming “a more perfect Union.”
No matter how much we argue about the details of its meaning today, in the opinion of many, the Constitution signed in Philadelphia on September 17, 1787 represents the greatest expression of statesmanship and compromise ever written. In just four hand-written pages, the Constitution gives us no less than the owners’ manual to the greatest form of government the world has ever known

The Art of Shopping

I was in my cozy muffin scented cabin, watching the fog tumble down the block when it hit me. I want to go shopping. I know, shopping as sport - how politically incorrect, how Orange County. But the kind of shopping I was hankering for wasn’t at the mall or downtown. That type of activity is called buying. I’m talking about shopping as art. This new way of shopping took some time to develop. However, since including shopping as a part of my creative process, I feel more positive about the gap between what I buy and what I want.

Say like you’re finally going to buy that fabulous _______ that you have wanted forever. You feel giddy with excitement then, POW! Monkey mind jumps in with a big wet blanket. Your head pounds with pithy words such as ‘shouldn’t’, ‘economy’, or ‘Suze Orman’ and you’re left standing with your desire shriveled down around your ankles. You think that shopping had something to do with it. But the reality is that a belief about shopping is what happened. Your Monkey Mind yanked your feeling chain from joyful to bummed to guilty in three seconds flat.

Esther and Jerry Hicks, authors of the popular Abraham books and seminars, state that desire is expansive. It is our natural connection to Source energy. So, I redefined shopping into three categories: browsing, spending, and creative shopping.

Browsing is really information gathering. If I’m buying a bookshelf, I need to know the dimensions, style, and color. I perfected browsing while working in downtown Santa Barbara. I discovered that I could walk to Barnes and Noble, including a breather in front of the best sellers, if I left my wallet behind.

Spending is exchanging money for actual stuff. I create buying lists that include the categories of office, hardware, clothes and IKEA. From these lists it is easy to choose the next item to purchase. Next, I wait for a sale or look through the Craigslist freebies. Many times I’ve often decided that I don’t want the item after all, regardless of price.

Creative Shopping: I have a cigar box that I covered with a collage. The top cover is a black and white picture of a boy holding up a jar with a frog. Inside are magazine photos of my dream closet, an orange wing back chair, an African safari vacation, and a giant storage shed.

I listen to music while I clip items from the Sunday sales, or magazines. I place the images in the box affirming “I want this because it delights me.” The operative sentence is “I want it because.” The art of shopping isn’t about buying. It’s about the magic of desire for the sake of desire. Finally, this Orange County girl can shop while saving for trips to the cheese aisle at Lazy Acres in Santa Barbara.

Prior to my shopping box I felt overwhelmed by spending decisions. I worried about expenses. Worry plus messages about consumerism left me feeling guilty. I got wanting and spending mixed up. By shopping with my collage box, I’m releasing judgment about my wants – regardless of manifestation. How or if the objects appear is not my concern. The process itself is rewarding.

One more thing about this method is rebel energy. Rebel energy is the part that may rail against boundaries; especially if you spend to mask emotions. I give this rebel mad money to spend each paycheck. Even $5.00 is fun if I head for the thrift stores. In fact, I often come away with gems such as my $4.00 Dirt Devil from the Abundance Thrift Shop in Los Osos or last season’s best sellers.

Dorothy Segovia is a certified Life Coach who teaches at the Be Well Center in Atascadero. For information visit www.BeWellLiving.net or call 805-460-9907.

 

 

Local Real Estate Market Fares Better Than State Average

San Luis Obispo County suffered less during the housing market bust than most other areas of California, and we are recovering faster as well.
Looking at the leading indicators, it appears that the median price of housing bottomed out around January or February of this year—along with nearly every other aspect of the economy. At that time, the stock market hit its lowest point, consumer confidence was at rock bottom, retail sales were dismal, and unemployment was at its highest point in recent years.
At the same time, however, housing sales were actually increasing as prices came down. Actual sales bottomed out in California in 2007, and have risen steadily since then as prices have come down. The median price of a home in California in August, 2009 was $292,960, off from a peak of $594,530 in May 2007.
In San Luis Obispo County, our median home price is off 38.4%, a smaller loss than about 2/3 of the state has felt.  The city of SLO shows a greater increase in sales from 2008 to 2009 than any other community in the county, with a higher median price ($512,500 in August of this year). Prices in SLO are off only 0.6% over last year. The county has fewer distressed sales (REOs, short sales, etc.), at 36% of total sales, than any other area except Marin County (with 26%). In contrast, Riverside County’s ratio is 80%, and Los Angeles County’s is 58%.
As most of us are aware, the “affordability index” in CA has been poor for some years, meaning that most people can’t afford to buy a home in the community where they live. After dropping to a low of 30% in 2007, the index rebounded to almost 70% in the first quarter of 2009—a sign that most people can now afford to live where they work.
The first-time home buyer credit has been extended into 2010, and a new credit, for existing homeowners wanting to buy another house, has been added.
Finally, interest rates are at an historic low. Here in SLO County, interest on a 30-year fixed loan for under $417,000 runs from 4.625% to 4.875% . . . an incredible bargain. These low rates, combined with the drop in home prices and the current local inventory, makes this an ideal time to buy a home.
Despite the low interest rates, it is still difficult to obtain a mortgage due to more stringent requirements regarding borrower income, home values, etc. Be prepared to spend extra time securing financing.
The most serious wild card that could affect the housing market next year is probably unemployment, which remains higher in CA than in the U.S. as a whole (12.1% versus 10.0%).
While there is no guarantee that the market will continue to improve, it remains an excellent time to buy, especially if you are a first-time homeowner or can qualify for the new $6500 tax credit for existing homeowners. There is a good inventory of homes for sale in the county, the median price is at a very affordable level, and there are many bargains to be had.
Sonsie Conroy is a Realtor with Coldwell Banker Premier, specializing in first-time buyers, serious sellers, and "problem properties" that need extra marketing help. Call her at 235-2351 to discuss your needs.

Laird Lectures to Faithful as Educators Endorse Candiacy

Even voters with no stake in education ought to support John Laird’s campaign for the State Senate, because education is such a crucial component for California’s future, Laird stated at a press conference in late July. A couple of dozen supporters, mostly educators, came out in a dense fog to the Chris Jesperson Elementary School to hear Laird explain why he is the best candidate.

The state reached another dubious milestone this past year, noted Laird:  California slipped from 46th to 47th in per-pupil spending. He noted that there are two alternatives to resolve the state budget deadlock concerning education. Either the state can cut $250 per pupil from what it spends now or it can add back the funds already slashed so that education funding is restored to more than what it was last year, he said. “A recent study showed California had the best academic standards in the country. So we have the academic rigor but just not the resources to implement it.”

Julian Crocker, SLO County Superintendent of  Schools, said allocations, including kindergarten through 12th grade, as well as the California State University system, comprise 60 percent of the state’s general fund, so education is of vital importance.  “Laird understands the devastation that’s happened over the last 24 months. Education funds have been cut by $40 million. He’s committed to stopping the funding slide and getting San Luis back to being competitive in the global market place.”

Jim Conway, California Faculty Association representative, said his organization is proud to support Laird, “because every student in the state deserves the highest quality education possible.” Conway went on that Laird will make higher education more accessible and affordable, stop lawmakers from slashing the education budget that has been cut by $1 billion over the last two years and stem staff reductions that saw a loss of 1,500 faculty in the same time period. The CSU’s have seen a 200 percent increase (including 10 percent more for next year) in fees since 2002, he added.

“By electing Laird, we’ll return majority rule (to Democrats in the legislature) to California. If you believe in the public education system you must support Laird.”

Sal Caminada, a disabled Vietnam veteran and now an instructor at Hancock College, said, affordable community college enabled him to advance to where he is today.

Veterans do not emerge from a war and transition into a profession without training and many veterans and high school graduates need the training they can get from a two-year program, he said.

“Laird has already shown he’s an ally of education. When he was in the Assembly he supported bills specifically for community college funding.”

Andrea Devitt, a Cuesta College counselor, added, Laird has consistently supported education, while other candidates “talk the talk but do not walk the walk.”

Laird, former Democratic Assemblyman, finished second in the June 22 special election for the 15th District State Senate seat. Laird won 41 percent while top vote getter, Republican Assemblyman Sam Blakeslee received 49 percent. Since no candidate received more than 50 percent, a runoff election is being held on August 17.

The election was called when the former 15th District Senator Abel Maldonado seat was left vacant after Gov. Arnold Schwarzenegger appointed him as Lieutenant Governor in May. Two other candidates, Independent Jim Fitzgerald of Nipomo and Libertarian Mark Hinkle of Morgan Hill will also compete in the runoff.

Despite finishing 11,000 votes behind Blakeslee, Laird says the election is not about changing the opinions of those who voted in the last election but about the 350,000 who did not vote. “The question is can I energize 15,000 more voters to cast a ballot for me? If I can, I can win this election.”

Kucinich to Investigate Fannie/Freddie Bailout

A statement from Dennis Kucinich following an announcement from White House regarding the bailout of Fannie and Freddie in a Christmas Eve news dump.

“As Chairman of the Domestic Policy Subcommittee of the Committee on Oversight and Government Reform, I’m announcing that the Subcommittee will launch an investigation into the Treasury Department’s recent decision to lift the current $400-billion cap on combined federal assistance to Fannie Mae and Freddie Mac, opening the way for additional, unlimited funds through the end of 2012. This investigation will include the role played by Fannie Mae chief executive Michael J. Williams and Freddie Mac chief executive Charles E. Haldeman in the decision, if any, and will seek to ensure that the additional assistance is used for homeowners and not Wall Street.”

"Many questions remain unanswered regarding this move by the Treasury. Why suddenly remove the cap? Indications are that Freddie and Fannie, even as millions of Americans lose their homes, have used just $111 billion of the $400 billion previously available to them. Is lifting the cap on assistance a back-door TARP?”

“Additionally, I want to determine whether Fannie and Freddie have a cohesive plan to buy up the under-performing mortgages that remain on the books of the big banks, at appropriate prices, and undertake a massive reworking of the terms of the mortgages so as to stem the foreclosure crisis that continues to plague our country. This new authority must be used responsibly and for the benefit of American families. This cannot be used simply to purchase toxic assets at inflated prices, thus transferring the losses to the U. S. taxpayers and acting as a back-door TARP.”
On Christmas Eve, they also announced $4-$6 million compensation packages for their top executives. But they’ll start foreclosing on homeowners again in January.

Fannie and Freddie have been corrupt cesspools for years, a place where presidents of both parties parked friends like Dennis DeConcini and Rahm Emanuel, giving them lucrative spots on the board of directors as political payoff. As government sponsored entities (GSEs) selling shares to the public, they operate like hedge funds that socialize losses and privatize profits. From the LA Times last year:

"This week ... news broke that until August, the lobbying firm owned by McCain campaign manager Rick Davis was paid $15,000 a month by Freddie Mac, one of the mortgage giants implicated in the current crisis (now taken over by the government and under investigation by the FBI). Apparently, Freddie Mac’s plan was to gain influence with McCain’s campaign in hopes that he would help shield it from pesky government regulations.”
It appears they kept looking. The Democrats have been too intimidated by leadership to start looking into the utter corruption at these entities, but Kucinich just doesn’t care.

Keep up with Dennis Kucinch by visiting his website: http://www.kucinich.us/ Watch Congressman Kucinich Speakout on Afghanistan, Jobs, and Constitution.

Progressive Caucus “Solidarity Summit”

On Saturday, June 27, members of the Progressive Caucus for the California Democratic Party will gather in San Luis Obispo for a “Solidarity Summit.” This will be the first gathering of the caucus since the Convention at which the election of the new board members took place. Karen Bernal was elected as Chair; her first act is to bring all officers and members together before the E-Board meeting in July.
All progressive Democrats who are interested in joining the Caucus are also invited to attend. The gathering will take place in the Ludwick Community Center located at 864 Santa Rosa St in San Luis Obispo from 1:00 to 6:00 p.m.  An evening program/speaker may be announced.

When asked about the summit agenda, Bernal said, “From this gathering and others, the Progressive Caucus hopes to strengthen solidarity on the issues most important to us. There is much to discuss and work on together – from reviewing our Platform, to setting Caucus priorities, to nuts and bolts organizing – and that’s just a start. We all need to be on the same page from here on out, if we are going to be an effective mechanism for positive change within the Party. Please mark your calendars and plan to join us – we need you!”

Locally, Sandra Marshall, the meeting coordinator for the Progressive Democrats of San Luis Obispo County, is hoping this will ignite the local group. “We’ve had a hard time re-uniting since the election.  People are busy and unclear as how to be effective. The board members of the Progressive Caucus are some of the powerful influences in the course of the party. I hope that locals will come out and get involved. This is a chance to see real democracy in action and learn from the best because we can be the change that is needed in our county.”
For more information, San Luis Obispo Progressive Democrats can call 544-5135 or visit the website of the Progressive Caucus:  www.progressivecaucuscdp.org.

CDC Training in Grover Beach
On the following day, Sunday, June 28, the California Democratic Council (CDC) will hold its training for area grassroots activists from 8:00am-7:00pm at the Grover Beach Community Center, 1230 Trouville Ave., Grover Beach. The workshop is Free. Lunch and refreshments will be provided (requested donation of $10.00 will help cover food and materials). This is an excellent, comprehensive program. This intense training consists of a variety of workshops for club/party leaders and political activists who want to advance their leadership roles in the Democratic Party or are just getting started! Areas to be covered include: The California Democratic Party Structure, How to Run a Meeting, Club Finances, How to Stay Out of Jail, Fundraising Fundamentals and Guidelines, Fundraising Ideas & Projects, Increasing and Keeping Your Membership, Recruiting Candidates for Local Office, Technology and Clubs and The Progressive Challenge.

Seating is limited, so please RSVP by June 25, 2009. To regiser: http://www.cdc-ca.org/Training/.  DO NOT RSVP unless you can stay the entire day! Our speakers have committed their time for this workshop and travel from around the state. This is a long day of intense training, but to ensure future training, we would like you to respect our speaker’s time investment!

Home Buyers' Tax Credits

 Due to Expire After April 30, 2010

The fed giveth, and the fed taketh away. If you are dreaming about your first home--or yearning for a new home after having lived in yours awhile--take action soon. Unless you have a binding contract to buy a home by April 30 of this year, you will miss your opportunity to claim either $8,000 as a first-time buyer or $6,500 as a move-up or repeat home buyer.

First-time home buyers purchasing any kind of home--new or resale--are eligible to take advantage of the $8,000 tax credit. Your purchase must occur after January 1, 2010 and be completed by April 30 (with certain limited exceptions). Home sales that conclude by June 30, 2010 will qualify, provided that they are due to a binding contract in force on or before April 30.

A first-time home buyer is a person who has not owned a principal residence during the three years prior to the purchase. If you are married, both you and your spouse must qualify. If you do, you will receive 10% of your new home's purchase price, up to $8,000. There are income limits as well: up to $125,000 for single taxpayers and $225,000 for married persons filing a joint return.  Ownership of a vacation home or rental property not used as a principal residence does not disqualify you from claiming the tax credit. Any kind of home will qualify, so long as it sold for less than $800,000. This includes condominiums, mobile or manufactured homes, even houseboats, so long as the house is your principal residence.

Claim your credit using IRS Form 5405. You must attach a copy of your HUD-1 settlement sheet to the form.

Move-up or repeat buyers are persons who have owned and resided in the same home for at least five consecutive years of the eight years prior to the purchase date; the test is applied to both spouses for married persons. You may claim 10% of your new home's value, up to $6,500, and you do not have to purchase a more expensive home to qualify. The same income limits apply as for the first-time home buyers' tax credit.

A tax credit is a direct deduction from the federal taxes you owe, and thus more valuable than a tax deduction--which is a deduction from the amount of income that is taxed. If you owe $8,000 in Federal income tax and correctly claim the first-time buyers' credit, your tax debt will be zero.

Another important feature is that HUD allows "monetization" of the tax credit, which means that buyers using many different types of mortgages can apply their expected credit toward their home purchase immediately rather than waiting to file their tax return to use the credit. For a complete explanation of this somewhat complicated concept, please look at http://www.federalhousingtaxcredit.com/faq2.php#17.

For a detailed explanation of this valuable tax credit, visit the following site: http://www.federalhousingtaxcredit.com/

Sonsie Conroy is a Realtor with Coldwell Banker Premier, specializing in first-time buyers, serious sellers, and "problem properties" that need extra marketing help. Call her at 235-2351 to discuss your needs.

2009 Tax Credits

One of the few good things to come out of the dismal economy and the disastrous housing market has been the American Recovery and Reinvestment Act of 2009, which authorizes a tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence on or after January 1, 2009 and before December 1, 2009.

Several provisions of this act make it especially valuable. Perhaps the most important is the very liberal definition of a "first-time home buyer."  Basically, if you have not owned a home as a principal residence for three or more years, you qualify for the tax credit. For married taxpayers, both must meet this test. If one has owned a principal residence within the past three years, neither one qualifies for the credit. However, unmarried joint purchasers may allocate the credit amount to any buyer who qualifies as a first-time buyer, such as may occur if a parent jointly purchases a home with a son or daughter.

Second, any home that will be used as a principal residence will qualify for the credit. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes or mobile homes, and houseboats. Even a recreational vehicle, if used as a principle residence (as happens when owners travel full-time and live in their vehicle), will qualify. The definition of principal residence is identical to the one used to determine whether you may qualify for the $250,000/$500,000 capital gain tax exclusion for principal residences.

Finally, the credit is fully refundable, even if you do not have any taxable income. You may even file a return solely for the purpose of claiming the credit.

You cannot purchase a home from your ancestors (parents, grandparents, etc.), your lineal descendants (children, grandchildren, etc.), or your spouse. Also, vacation homes or rental property do not qualify for the credit--but a home you build rather than purchase does qualify.

The credit is phased out for higher-income taxpayers. For a married couple filing a joint return, the phase-out range is $150,000 to $170,000. For other taxpayers, the range is $75,000 to $95,000.
If you sell your home before the end of the year, you are not eligible. And if you have claimed the credit but cease to use your home as your principle residence within 36 months, you must repay it. It becomes a tax obligation in the year the home stops being your principle residence, and is repaid via your tax return for that year.

The tax credit is equal to 10 percent of the home’s purchase price up to $8,000, and you claim it on your federal income tax return. IRS Form 5405 is used to determine the tax credit amount, and it is claimed on line 67 of the 1040 income tax form for 2009 returns. No other applications or forms are required, and no pre-approval is necessary.

Please consult with your own qualified tax advisor to be sure you have the most up-to-date and accurate information, but don't miss out on this great opportunity.

SIDEBAR:
For more detailed information on the 2008 and 2009 first-time home buyer tax credits,
visit the IRS at
 http://www.irs.gov/newsroom/article/0,,id=204671,00.html
Another useful source of information is the Suite 101 tax planning guide:
http://personal-taxplanning.suite101.com/article.cfm/irs_form_5405_firsttime_home_buyer_credit
And when you've bought that new home, populate it with Energy Star appliances and get rebates and other rewards. Find out what's available here:
http://www.energystar.gov/index.cfm?fuseaction=rebate.rebate_locator
 http://www.dsireusa.org/