Have you been paying monthly private mortgage insurance (PMI) because your down payment for your home was under 20%? You can get a refund back by claiming the PMI deductions on your income tax returns. Not making the PMI deduction is one of the top 5 mistakes homeowners usually make on their taxes. This tax deduction will expire in the next tax year unless Congress decides to renew it.
The Thirteenth Amendment to the United States Constitution abolished slavery and involuntary servitude, except as punishment for a crime. It was passed by the Senate on April 8, 1864, by the House on January 31, 1865, and adopted by the States on December 6, 1865.
On December 6, 1865, eight months after the end of the Civil War, the United States adopted the 13th Amendment to the Constitution, which outlawed the practice of slavery. Sources: Patricia L. Faust, ed., Historical Times Illustrated Encyclopedia of the Civil War, (Harper Perennial, 1991)