1
00:00:24,958 --> 00:00:25,692
>> YOU CAN SAVE MONEY BY GETTING

2
00:00:25,692 --> 00:00:26,727
RETURNS PREPARED FOR FREE.

3
00:00:26,727 --> 00:00:27,961
EDDIE ARRUZA IS HERE

4
00:00:27,961 --> 00:00:28,328
WITH

5
00:00:28,328 --> 00:00:29,463
INFORMATION ON ALL OF

6
00:00:29,463 --> 00:00:30,531
THAT.

7
00:00:30,531 --> 00:00:30,898
EDDIE.

8
00:00:30,898 --> 00:00:32,032
>> THERE MAY BE ANY

9
00:00:32,032 --> 00:00:32,766
NUMBER OF

10
00:00:32,766 --> 00:00:34,201
RONES WHY FOLKS

11
00:00:34,201 --> 00:00:34,801
PROCRASTINATE

12
00:00:34,801 --> 00:00:35,802
UNTIL THE LAST MANHUNT TO DO

13
00:00:35,802 --> 00:00:38,238
THEIR

14
00:00:38,238 --> 00:00:39,506
TAXES

15
00:00:39,506 --> 00:00:39,940
BUT CERTAINLY

16
00:00:39,940 --> 00:00:41,108
THROUGH GOING

17
00:00:41,108 --> 00:00:41,842
CALCULATIONS ARE

18
00:00:41,842 --> 00:00:42,609
THINGS THAT PEOPLE OUTSIDE OF

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00:00:42,609 --> 00:00:44,678
THE

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00:00:44,678 --> 00:00:46,013
OFTHE

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00:00:46,013 --> 00:00:46,480
ACCOUNTING

22
00:00:46,480 --> 00:00:47,047
WORLD DON'T

23
00:00:47,047 --> 00:00:49,283
RELISH BUT IF YOU'RE A

24
00:00:49,283 --> 00:00:49,750
LOW

25
00:00:49,750 --> 00:00:50,951
INCOME CHICAGO RENT

26
00:00:50,951 --> 00:00:52,152
YOU CAN HAVE

27
00:00:52,152 --> 00:00:53,086
RETURNS PREPARED FOR

28
00:00:53,086 --> 00:00:53,887
FREE.

29
00:00:53,887 --> 00:00:55,389
FOR 20 YEARS THE ORGANIZATIONS

30
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LADDER UP HAS

31
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SET UP SHOP ALL

32
00:00:57,491 --> 00:00:58,559
AROUND THE

33
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CHICAGO AREA AND

34
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THEY'RE AT IT THIS YEAR.

35
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THEY HAVE EXPANDED

36
00:01:01,695 --> 00:01:02,129
HOURS.

37
00:01:02,129 --> 00:01:03,096
IF YOU ARE A

38
00:01:03,096 --> 00:01:04,565
FAMILY THAT EARNS

39
00:01:04,565 --> 00:01:05,465
UP TO $50,000

40
00:01:05,465 --> 00:01:06,567
A YEAR OR AN

41
00:01:06,567 --> 00:01:07,601
INDIVIDUAL

42
00:01:07,601 --> 00:01:08,368
MAKING

43
00:01:08,368 --> 00:01:09,403
UP TO $25,000

44
00:01:09,403 --> 00:01:10,804
A YEAR,

45
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LADDER UP WILL

46
00:01:11,338 --> 00:01:11,905
DO YOUR

47
00:01:11,905 --> 00:01:13,106
TAX RETURNS FOR FREE AND

48
00:01:13,106 --> 00:01:13,440
HERE

49
00:01:13,440 --> 00:01:14,842
ARE A COUPLE OF TIPS

50
00:01:14,842 --> 00:01:15,442
THEY OFFER

51
00:01:15,442 --> 00:01:16,844
TO ANYONE WHO HAS YET TO DO

52
00:01:16,844 --> 00:01:17,711
THEIR

53
00:01:17,711 --> 00:01:18,312
RETURNS.

54
00:01:18,312 --> 00:01:19,546
>> THERE ARE CERTAIN CREDITS OUT

55
00:01:19,546 --> 00:01:22,449
THERE FOR CERTAIN TYPES OF

56
00:01:22,449 --> 00:01:23,951
EXPENSES, CHILD AND INDEPENDENT

57
00:01:23,951 --> 00:01:25,652
CARE, WE KNOW A LOT OF OUR

58
00:01:25,652 --> 00:01:26,453
FAMILIES

59
00:01:26,453 --> 00:01:27,221
MAY HAVE TO

60
00:01:27,221 --> 00:01:27,855
PAY SOMEONE

61
00:01:27,855 --> 00:01:28,856
TO WATCH THEIR CHILDREN AND YOU

62
00:01:28,856 --> 00:01:30,424
MAY BE ABLE TO GET A CREDIT FOR

63
00:01:30,424 --> 00:01:31,258
THE MONEY

64
00:01:31,258 --> 00:01:32,459
YOU SPEND ON

65
00:01:32,459 --> 00:01:32,860
BEHINDCARE.

66
00:01:32,860 --> 00:01:33,994
ANOTHER IS COLLEGE SPENDS.

67
00:01:33,994 --> 00:01:35,095
IF YOU'RE PAYING

68
00:01:35,095 --> 00:01:36,129
TO PUT

69
00:01:36,129 --> 00:01:36,496
YOURSELF

70
00:01:36,496 --> 00:01:37,798
OR

71
00:01:37,798 --> 00:01:38,732
A RELATIVE THROUGH

72
00:01:38,732 --> 00:01:39,366
COLLEGE,

73
00:01:39,366 --> 00:01:40,434
BRING US THE

74
00:01:40,434 --> 00:01:41,802
RESETS SO WE CAN

75
00:01:41,802 --> 00:01:42,903
SEE IF

76
00:01:42,903 --> 00:01:43,370
YOU'RE

77
00:01:43,370 --> 00:01:43,737
ELIGIBLE.

78
00:01:43,737 --> 00:01:46,240
ANOTHER THING THAT

79
00:01:46,240 --> 00:01:46,473
WAS

80
00:01:46,473 --> 00:01:46,707
A

81
00:01:46,707 --> 00:01:47,808
CONVENIENT CHANGE WAS AN INCOME

82
00:01:47,808 --> 00:01:48,308
TAX CREDIT.

83
00:01:48,308 --> 00:01:49,376
ONE OF

84
00:01:49,376 --> 00:01:52,246
THE BIGGEST PROPERTY

85
00:01:52,246 --> 00:01:52,946
TAXES IN MERGE BEING A CHANGE

86
00:01:52,946 --> 00:01:54,248
THAT IF YOU HAVE THREE OR

87
00:01:54,248 --> 00:01:55,482
MORE

88
00:01:55,482 --> 00:01:58,085
QUALIFYING CHILDREN

89
00:01:58,085 --> 00:01:58,552
YOU'RE

90
00:01:58,552 --> 00:01:59,653
ELIGIBLE FOR A HIGHER

91
00:01:59,653 --> 00:02:00,487
CREDIT

92
00:02:00,487 --> 00:02:01,522
AMOUNT.

93
00:02:01,522 --> 00:02:02,556
YOU DIDN'T DISTINGUISH BETWEEN

94
00:02:02,556 --> 00:02:04,057
TWO OR MORE OR

95
00:02:04,057 --> 00:02:05,325
GREATER AND

96
00:02:05,325 --> 00:02:05,692
THAT'S A SLIGHT

97
00:02:05,692 --> 00:02:07,394
CHANGE AND THAT

98
00:02:07,394 --> 00:02:09,396
MAKES A DIFFERENCE

99
00:02:09,396 --> 00:02:09,863
MONETARILY.

100
00:02:09,863 --> 00:02:11,398
>> I UNDERSTAND LADDER UP IS NOT

101
00:02:11,398 --> 00:02:12,699
THE ONLY ORGANIZATION

102
00:02:12,699 --> 00:02:13,066
OFFERING

103
00:02:13,066 --> 00:02:14,535
FREE HELP AND THERE'S ANOTHER

104
00:02:14,535 --> 00:02:15,903
ORGANIZATION CALLED THE

105
00:02:15,903 --> 00:02:16,537
CENTER

106
00:02:16,537 --> 00:02:18,038
FOR COMMISSION PROGRESS.

107
00:02:18,038 --> 00:02:19,873
THEY'RE ARE

108
00:02:19,873 --> 00:02:20,741
NON--FOR-PROFIT AS

109
00:02:20,741 --> 00:02:23,710
WELL AND THEY

110
00:02:23,710 --> 00:02:25,812
OFFER FREE

111
00:02:25,812 --> 00:02:26,113
TAX

112
00:02:26,113 --> 00:02:27,614
HELP ALSO THROUGHOUT THE CHICAGO

113
00:02:27,614 --> 00:02:28,815
AREA AND WE HAVE POSTED

114
00:02:28,815 --> 00:02:29,349
THAT

115
00:02:29,349 --> 00:02:30,617
INFORMATION ON OUR

116
00:02:30,617 --> 00:02:31,552
WEBSITE.

117
00:02:31,552 --> 00:02:32,653
A

118
00:02:32,653 --> 00:02:33,520
REPRESENTATIVE FROM THE

119
00:02:33,520 --> 00:02:34,087
CENTER

120
00:02:34,087 --> 00:02:39,193
FOR

121
00:02:39,193 --> 00:02:39,927
OF

122
00:02:39,927 --> 00:02:40,661
COMMISSION PROGRESS HAD

123
00:02:40,661 --> 00:02:42,563
SOMETHING TO

124
00:02:42,563 --> 00:02:43,030
SAY.

125
00:02:43,030 --> 00:02:44,131
>> IF YOU

126
00:02:44,131 --> 00:02:45,032
APPLIED AND GOT A

127
00:02:45,032 --> 00:02:46,466
TAX

128
00:02:46,466 --> 00:02:47,367
CREDIT, YOU WILL GET A

129
00:02:47,367 --> 00:02:48,001
FORM IN

130
00:02:48,001 --> 00:02:49,236
THE MAIL, A TAX

131
00:02:49,236 --> 00:02:50,003
FORM,

132
00:02:50,003 --> 00:02:51,205
SPECIFICALLY FOR THAT TAX

133
00:02:51,205 --> 00:02:52,472
CREDIT, KEEP IT.

134
00:02:52,472 --> 00:02:54,775
BRING IT TO YOUR

135
00:02:54,775 --> 00:02:55,075
TAX

136
00:02:55,075 --> 00:02:55,976
PREPARER

137
00:02:55,976 --> 00:02:56,710
IN

138
00:02:56,710 --> 00:02:57,010
2015.

139
00:02:57,010 --> 00:02:57,878
IT'S VERY IMPORTANT.

140
00:02:57,878 --> 00:02:59,079
IT WILL BE A LITTLE

141
00:02:59,079 --> 00:02:59,613
CONFUSING

142
00:02:59,613 --> 00:03:01,315
BECAUSE IT'S A BRAND NEW FORM,

143
00:03:01,315 --> 00:03:02,382
SOMETHING YOU WON'T

144
00:03:02,382 --> 00:03:03,317
EXPECT BUT

145
00:03:03,317 --> 00:03:04,017
IT'S DEFINITELY SOMETHING YOU

146
00:03:04,017 --> 00:03:06,053
HAVE TO FILE.

147
00:03:06,053 --> 00:03:07,187
YOU WILL ALSO SEE THAT AFFECTED

148
00:03:07,187 --> 00:03:08,488
FOR THE FOLKS WHO DIDN'T

149
00:03:08,488 --> 00:03:09,256
SIGN UP

150
00:03:09,256 --> 00:03:09,990
FOR INSURANCE.

151
00:03:09,990 --> 00:03:11,158
YOU WILL GET

152
00:03:11,158 --> 00:03:12,092
A PENALTY FEE TO

153
00:03:12,092 --> 00:03:13,193
SHOW UP IN YOUR TAX

154
00:03:13,193 --> 00:03:14,161
RETURN OR IN

155
00:03:14,161 --> 00:03:16,296
YOUR TAX FORMS NEXT

156
00:03:16,296 --> 00:03:18,098
YEAR, 2015.

157
00:03:18,098 --> 00:03:19,132
>> ANY OF OTHER TIPS TO

158
00:03:19,132 --> 00:03:19,533
OFFER?

159
00:03:19,533 --> 00:03:20,534
>> AS YOU KNOW,

160
00:03:20,534 --> 00:03:21,502
I'M NOT A

161
00:03:21,502 --> 00:03:21,935
TAX

162
00:03:21,935 --> 00:03:23,937
PROFESSIONAL BUT

163
00:03:23,937 --> 00:03:24,538
YOU

164
00:03:24,538 --> 00:03:25,138
DON'T --

165
00:03:25,138 --> 00:03:26,673
>> YOU DON'T EVEN PLAY ONE ON

166
00:03:26,673 --> 00:03:27,174
TV.

167
00:03:27,174 --> 00:03:28,408
>> EXCEPT FOR TONIGHT BUT WHEN

168
00:03:28,408 --> 00:03:29,643
YOU SEARCH ONLINE THERE ARE MANY

169
00:03:29,643 --> 00:03:31,245
PAGES THAT COME UP WITH A

170
00:03:31,245 --> 00:03:32,379
LOT

171
00:03:32,379 --> 00:03:33,146
OF

172
00:03:33,146 --> 00:03:34,748
TIPS BUT SOME THAT HAVE THE SAME

173
00:03:34,748 --> 00:03:35,616
TIP OVER AND OVER.

174
00:03:35,616 --> 00:03:38,785
HERE

175
00:03:38,785 --> 00:03:39,853
ARE A

176
00:03:39,853 --> 00:03:40,287
FEW.

177
00:03:40,287 --> 00:03:41,321
CHECK EVERYTHING TWICE.

178
00:03:41,321 --> 00:03:42,589
THE THREE COMMON MISTAKES ARE

179
00:03:42,589 --> 00:03:45,259
MATH ERRORS WITH A

180
00:03:45,259 --> 00:03:45,893
CALCULATOR OR

181
00:03:45,893 --> 00:03:48,195
TAX SOFTWARE.

182
00:03:48,195 --> 00:03:48,829
INCORRECTLY WRITTEN SOCIAL

183
00:03:48,829 --> 00:03:53,166
SECURITY NUMBERS AND

184
00:03:53,166 --> 00:03:53,834
FAILURE TO

185
00:03:53,834 --> 00:03:54,902
SIGN OR DATE THE FORM.

186
00:03:54,902 --> 00:03:55,969
IF YOU HAVE A

187
00:03:55,969 --> 00:03:57,004
REFORM HAVE IT

188
00:03:57,004 --> 00:03:58,272
DIRECTLY DEPOSITED TO YOUR

189
00:03:58,272 --> 00:03:58,639
BANK.

190
00:03:58,639 --> 00:04:00,274
BY DOING THAT YOU CAN

191
00:04:00,274 --> 00:04:00,674
EXPECT

192
00:04:00,674 --> 00:04:02,876
YOUR CHECK IN LESS THAN THREE

193
00:04:02,876 --> 00:04:03,977
WEEKS VERSUS THE SIX TO

194
00:04:03,977 --> 00:04:04,645
EIGHT

195
00:04:04,645 --> 00:04:06,013
WEEKS BY WAITING FOR IT TO COME

196
00:04:06,013 --> 00:04:08,415
IN THE MAIL.

197
00:04:08,415 --> 00:04:08,949
FINALLY, MAXIMIZE

198
00:04:08,949 --> 00:04:09,716
YOUR

199
00:04:09,716 --> 00:04:10,117
DEDUCTIONS.

200
00:04:10,117 --> 00:04:11,451
THERE ARE A LOT OF DEDUCTIONS

201
00:04:11,451 --> 00:04:12,819
OUT THERE BUT SOME OF THE MORE

202
00:04:12,819 --> 00:04:15,189
COMMON ONES ARE

203
00:04:15,189 --> 00:04:15,756
MOVING

204
00:04:15,756 --> 00:04:17,291
EXPENSE

205
00:04:17,291 --> 00:04:19,326
DEDUCTIONS, IF YOU MOVED AND

206
00:04:19,326 --> 00:04:20,027
PAID, CHARITABLE

207
00:04:20,027 --> 00:04:20,460
CONTRIBUTIONS

208
00:04:20,460 --> 00:04:22,329
ARE DEDUCTIBLE BUT YOU NEED

209
00:04:22,329 --> 00:04:23,130
RECEIPTS FROM THE ORGANIZATION

210
00:04:23,130 --> 00:04:24,731
YOU

211
00:04:24,731 --> 00:04:25,098
DONATED.

212
00:04:25,098 --> 00:04:26,033
A LOT OF

213
00:04:26,033 --> 00:04:28,101
PEOPLE FORGET AUTOMATIC

214
00:04:28,101 --> 00:04:29,236
TO DEDUCTIONS FOR

215
00:04:29,236 --> 00:04:29,670
CHARITABLE

216
00:04:29,670 --> 00:04:31,538
DEDUCTIONS MAY BE DEDUCTIBLE.

217
00:04:31,538 --> 00:04:32,105
AND IF YOU

218
00:04:32,105 --> 00:04:33,040
BOUGHT IS

219
00:04:33,040 --> 00:04:33,807
NEW

220
00:04:33,807 --> 00:04:34,308
HOME

221
00:04:34,308 --> 00:04:35,609
AND PAID POINTS

222
00:04:35,609 --> 00:04:37,778
OR

223
00:04:37,778 --> 00:04:38,378
LOAN ORIGINAL

224
00:04:38,378 --> 00:04:40,781
NATION

225
00:04:40,781 --> 00:04:44,718
ORGANIZENATION

226
00:04:44,718 --> 00:04:45,886
ORIGINALNATION

227
00:04:45,886 --> 00:04:47,187
FREEZES WITH CAN

228
00:04:47,187 --> 00:04:47,821
DEDUCT

229
00:04:47,821 --> 00:04:49,056
THAT AND WE'LL GUIDE YOU

230
00:04:49,056 --> 00:04:49,489
THROUGH

231
00:04:49,489 --> 00:04:51,592
THAT AND

232
00:04:51,592 --> 00:04:54,194
THERE

233
00:04:54,194 --> 00:04:54,928
IS TAX

234
00:04:54,928 --> 00:04:58,398
PREPARATION

235
00:04:58,398 --> 00:04:58,899
WEBSITES.

236
00:04:58,899 --> 00:05:02,436
>> I IMAGINE THEIR BUSY.

237
00:05:02,436 --> 00:05:02,903
>> ON OUR

238
00:05:02,903 --> 00:05:04,204
WEBSITE YOU

239
00:05:04,204 --> 00:05:04,705
CAN FIND

240
00:05:04,705 --> 00:05:05,639
A

241
00:05:05,639 --> 00:05:06,507
LINK FOR TAX

242
00:05:06,507 --> 00:05:07,341
ASSISTANCE FOR LOW

243
00:05:07,341 --> 00:05:08,008
INCOME FAMILIES.

244
00:05:08,008 --> 00:05:12,008
RIGHT BA