As if anyone needs their memory jogged, debt is a substantial problem for men and women living in fully developed countries. Estimates vary, but numerous surveys have indicated the average American household has more than $10,000 in credit card debt alone.

The up-and-down nature of the economy over the last several years has forced many people to re-examine their finances. Investors have begun to rely more heavily on financial planners to help them make sense of an unpredictable financial landscape.

Homeowners often look to make improvements to their homes. What they may not know is that certain home improvements may qualify for manufacturer or energy supplier rebates and even federal tax credits.

Individuals and businesses making contributions to charity should keep in mind several important tax law provisions that have taken effect in recent years. 

Today's college graduates face numerous challenges. With the global economy still struggling, the job market for recent graduates is less than ideal. But the difficult job market is only part of the troubles recent graduates must face. Mounting debt is a major issue for many college grads.

The Athens NEWS Tax Guide Series features tax resources and articles to help with tax season. To read the digital edition of the second in the five part series of Tax Guide special sections focusing on identity theft, click here.

Taxpayers need to be careful to protect their personal information. Identity thieves use many methods to steal personal information and then they use the information to file a tax return and get a refund.

The Affordable Care Act was enacted on March 23, 2010. It contains some tax provisions that became effective in 2010 or 2011, and more that will be implemented during the next several years.