Richard M asked:


I am a self-employed consultant as of this year, so I am responsible for both income and self-employment taxes. If I cover all income taxes due with estimated taxes during the year, but do not include funds to cover SE taxes until I file in 2009, will it appear on my filing next April that I have under-paid, incurring penalties and interest?

quake1920 asked:


I just completed graduate school a few months ago and I consolidated my student loans from undergrad and grad school and it is time to start repayment on my student loans. How many times can you defer your student loans..I consolidated them with the extended payment plan which is 30 years?

Annie P asked:


We live in Hawaii and our mortgage has become unmanageable. We just found out our house is worth 64k less than we owe. We have good credit though are overextended because of mortgage. No defaults and one 30 day late pay. We want to sell but do not have the credit left to get a 64k loan to pay off the rest of the loan. We desperately do not want to go into foreclosure. Any options anyone is aware of?