Obsessive-compulsive disorder is an anxiety disorder characterized by unwanted thoughts and repetitive, ritualized behaviors you feel compelled to perform. If you have OCD, you probably recognize that your obsessions and compulsions are irrationalâbut even so, you feel unable to resist them and break free.
Itemized deductions allow taxpayers to reduce their taxable income based on specific personal expenses. If the total itemized deductions are greater than the standard deduction, it will result in a lower taxable. income and lower tax. In general, taxpayers benefit from itemizing deductions if they have mortgage inter-.
Use your income before deductions, or the gross income. Divide your total debt by your gross income to get your current debt-to-income ratio. If math is not your strong suit, use an online debt-to-income calculator, such as the one at Bankrate.com. The 36 percent figure is commonly used in the lending industry.