Today, at about 3:00 PM, The Lovely One and I filed our taxes, federal and state.
This is the absolute earliest I believe we have ever filed. In the old days, teaching, I had speech contests keeping me constantly busy, large group and individual, district and state and All-State, until the beginning of April. And the spring play started about mid-February… So I never filed taxes until we got right onto the Ides of April.* One year, very early in our marriage, I faintly recall appealing for late filing (easily granted, as we always made sure, living on the edge of poverty with no spare cash to fork over whatsoever, that we received a refund**). Regardless, we never filed our taxes in February.
As of 2006, filings got both easier and harder. Janet entered into a small business enterprise on her own, selling BeautiControl products*** part-time (and according to My Beloved herself, “half-assed”). But that made our taxes more complex, and so that year I first bought a tax software program, the same one I still use, and put myself in the capable grip of Intuit Software and TurboTax… And we enjoyed the taxation benefits of Janetʼs little business taking loss after loss (and no financial juggling there — her description of her business aggressiveness combined with BeautiControlʼs decidedly pyramid structure for profitability pretty much ensured she wasnʼt getting ahead providing friends and family with make-up and whatnots).
We still use TurboTax. And as I continue to feel familiar with its interface, I feel pretty warm toward it (I think only beloved Scrivener — used as I type right now — tops my affections for software). Granted the Q&A approach the developers devised as integral to the interface in TurboTax leaves a user like me several layers of reality removed from the actual tax forms (I couldnʼt believe the nearly literal ream of paper that printed out in the first year to be mailed off to the IRS and state tax authorities). And I have grown skittish of those red (meaning money owed) and green digits (indicating refund available) that appear in the upper left corner of the TurboTax window, changing marginally or dramatically with each new piece of information entered. I still look over the final papers (actual tax forms), closely but not always intelligently, in amazement, always surprised at what digits on what novel forms my answers have churned out.
The business forms have been expanded with self-employment forms (and, surprise! extra taxation for payroll taxes not automatically withheld/paid as one expects from an ordinary employer) as I have tried to develop my own business.**** (Unfortunately with little overhead and me witless about claiming my computer use or possibly the “office” where our computers sit as a home office, everythingʼs just taxable income.) The complexities keep multiplying. And the refunds keep dwindling, smaller and smaller year by year. (But this year we again avoided paying either state or federal government any additional cash.)
More surprising, for three years now, we have taken the standard deduction! At least according to the software, that choice is our better bet (and now that we own our house outright, it even makes sense). Still, it takes some weeks of consideration and search to conglomerate all our records (and for Janet to work through, compile and total her figures for her “business”) and for me to get TurboTax up to speed (and its latest updates installed each time I fire up the software) and information filled in (this year we were waiting until, well, now for Intuit to pass on IRS Form 3800). Even retiring, I didnʼt immediately get on the ball with our annual tax calculations. In ʼ10 and last year, I didnʼt really get to it until about now.
So this year I resolved to be better, and I had most of our information input a week before Andrew Community School got around to mailing the W-2 for my subbing in 2011 (and I had those numbers pretty accurately temped in from the last paycheck). And now weʼre done (I hope, I pray, I plead, I desire… oh, donʼt audit us, Infernal Revenue Service, please donʼt — I donʼt think I actually understand any of it, nope, none of it, not at all).
* (being an old codger I really miss — not really, appreciating the extra month with that schedule I just summarized — being able to “Beware the Ides of March” for the IRS)
** Yeah, yeah, sure, I know: if weʼd kept that extra withholding, weʼd have been able to invest it or save it or somehow earn money on it… Like hell. Although the feds never grant any interest earned on what amounts to overpayment, I would rather sleep easy believing I do not need to scrape together a few hundred (or thousand — neither of which amounts would I have available) to gratify Uncle Sam at the last minute. Since Bush withholding adjustments and moreso since retirement, finances have gotten trickier, and we keep running very close to no refund.
*** Can Rick Perry, Herman Cain and everyone else out there say, “Pyramid scheme?”
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