First time home buyers, or prospective buyers who have not owned a home in the last three years, are encouraged to take advantage of the Federal Housing Tax Credit. This tax credit is $3750 for individuals earning up to $90k a year and $7500 for married couples having a combined income of no more than $150k. The tax credit should be claimed when you file your tax return.

The tax credit does have to be repaid, but payments are interest free. Payments begin two years after the tax credit...

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[COLOR=#ff0000]What is Normal after your child dies?[/COLOR]

[COLOR=#0000ff]Normal is having tears waiting behind every smile when you realize someone important is missing from all the important events in your [/COLOR]
[COLOR=#0000ff]family's life. [/COLOR]

[COLOR=#0000ff]Normal is trying to decide what to take...

[COLOR=#0000ff]Normal is my heart warming and yet sinking at the sight of something special Taylor loved. Thinking how he would love it, but how he is not here to enjoy it.

Normal is having some people afraid to mention my son, Taylor.
Normal is making sure that others remember him.

Normal is after the funeral is over everyone else goes on with their lives, but we continue to grieve our loss forever.

Normal is weeks, months, and years after the initial...

[COLOR=#0000ff]Normal is taking pills, and trying not to cry all day, because you know your mental health depends on it.

Normal is realizing you do cry everyday.

Normal is being impatient with everything and everyone but someone stricken with grief over the loss of their child.

Normal is sitting at the computer crying, sharing how you feel with chat buddies who have also lost a child.
Normal is not listening to people make excuses for
G-d....

[COLOR=#0000ff]Normal is wondering this time whether you are going to say you have two children or one child, because you will never see this person again and it is not worth explaining that Taylor is dead. [/COLOR]
[COLOR=#0000ff]And yet when you say you have one child to avoid that problem, you feel horrible as if you have betrayed the dead child. [/COLOR]

[COLOR=#0000ff]Normal is asking G-d why he took your child's life instead of yours and asking if there even is a G-d. [/COLOR]...