The energy-efficient home upgrades tax credit is scheduled to expire on December 31st this year. If you need to make improvements to your home, this could be an incentive to do it before the end of the year. If you have already made qualifying improvements without realizing the tax credit is available, it may seem like a holiday gift you weren't expecting.

The equipment must be installed to qualify for the credit which can put you under a time crunch. Heating and cooling systems, insulation, windows, doors, skylights, water heaters and home weatherization may qualify.

The Residential Energy Efficiency Tax Credit has been available for purchases since January 1, 2011. The tax credit is 10% of up to $5,000 of qualifying improvements which would make a…

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Rudy the Reindeer

‘Twas the night before Christmas, and all through the house,

All the doggies were stirring, with Sara chasing a mouse.

After all of this action, they all had to pee,

When they saw in the den, someone had planted a tree!

Ah… that object of which all doggies yearn,

One by one, they all took their turn.

Then they all took to scratching the “snow” with their paws,

When one of them noticed the tree was covered with balls.

Sara swatted at one and it suddenly broke

They all became quiet. Nobody spoke.

Then all of a sudden, all heck busted loose,

There in the doorway stood a fat guy with twelve angry moose.

He began throwing boxes under that tree

Hundreds of chew toys is all they could see.

Grabbing his milk as he…

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