A lower tax bill. President-elect Barack Obama has proposed a slew of tax cuts for middle-class consumers, and, with the economy desperate for a boost, it could be one of his first orders of business after taking office in January. His proposals include a $500-per-worker tax credit for people who earn less than $150,000; a 10 percent universal mortgage credit for homeowners who don't itemize their deductions; and a $4,000 credit per child in college. Obama says that a married couple with no kids making $90,000 per year would save $1,000 in taxes, and a couple making $75,000 with two children, one of whom is in college, could save $3,700. Households earning more than $250,000 are probably in for a tax hike, but very likely not until 2010, when the economy is healthier.