Tax Form Troubles

I like to write in detail.  I hope you like to read in detail, LOL!

It's been a bad several days.   I thought I had struggled through my tax form software and gotten Federal and State forms printed out to mail.  But a couple of the questions and even how to mail them bothered Saturday. 

I'll dispose of the mailing issue first; it's just less complicated.  I had more sheets of paper to send than would fit in a legal size envelope, so I would have to actually GO TO the Post Office with a large flat envelope to have them tell me the postage.  I know what the lines are like there on Tax Day and would do almost anything to avoid it.  I eventually resolved that, but I'll tell you at the end.  But the immediate concern was that I tried e-filing the tax form earlier today (Sunday).

The 2 items in the tax form itself were the US Stimulus checks and the credit for the car donation I made last year.  I found a deposit for the 1st check, but not a 2nd one.  I checked all my bank statements for 2020.  Either the Govt didn't send me the 2nd one, someone took it out of my mailbox, or I didn't recognize it as legitimate (they warned later it arrives as non-govt mail).  But I was worried about the consequences of not reporting it.

Saturday I saw a report on TV reminding tax-filers that the stimulus checks are non-taxable, so I stopped worrying about whether I reported the 2nd one or not.  

The worse part was the car donation tax form.  I had assumed that a 15 year old car wasn't worth much even with only 30K miles on it.  So I donated it.  I should have checked at the time.  When I checked a standard professional estimation site last week, I found that this year it would have been worth $7249 (so surely would have been worth more last year when I donated it).  And Carmax offerred to buy it for $8800 (of course it was long gone).  

So I entered the $7249 on specific donations form.  I got a receipt from the charity organization.  It had the vehicle make/model, VIN, date, and a signature on a form naming the charity.  What else could I need?  Well, apparently an appraisal document and a tax form from the charity...

I donated a previous car to the same charity, and I didn't need that then.  So that part was missing from my tax documents.  Being that I was using tax preparation software, I assume any question it doesn't ask is not applicable or necessary.  And the tax software "accuracy review" found no issues when I printed out the forms to mail.

That's where the mailing issue resurfaced.  Not willing to stand in line at the Post Office for an hour or more, I decided to e-file.  Which meant I would have to pay a "convenience fee" to use a 3rd party for a credit card payment but it seemed worth it.  It used to be $20, but it is down to $2.95 for a $6 payment, so OK.  I'll gladly pay $3 to not stand in line for an hour!

Guess what?  The tax software that happily allowed me to print out the forms with a missing donation appraisal form said the IRS would not accept an e-filing without that form.  So instead of standing in line at the Post Office, I spent 3 hours trying to provide the required information on the form or get it elsewhere.  

If I mail my tax forms, I can include explanations for missing information.  E-filing does not permit that.  E-filing is only for "perfect forms".  If I mail it, they have to receive it and read everything.  If I e-file, their computer can "just say no".

So I was really in a situation.  Tomorrow is the filing deadline.  So I could stand in line mailing printed forms with 1 incomplete or file for an extension.  All my numbers on the tax forms are accurate; I am WAY too honest (and scared of the IRS) to lie about anything.

If I mail the forms (all with accurate numbers) all they can do is tell me I need to complete one specific form more properly, and I can contact the charity for that.  

So I went to the US Post Office website and found the most accurate estimate of the mailing cost.  $1.50, so I added a couple more stamps for safety and put it in the mailbox.  My $6 check is in there.  The IRS can't say I didn't pay (my total taxes were rather higher; the $6 was just the additional amount owed).

Done, finished, will be picked up Monday.  I tossed the Sate tax forms in the mailbox too.  It is based on the Federal tax form, so no reason to wait.  At least THEY owe ME money.

I may never donate a car to a charity again.  The IRS makes it altogether too annoying at tax time.

A weight off my back...  Now I can get back to the cats and garden.

Doing Income Taxes

I finally got around to doing my income tax forms today.  I had started in early April, but the software kept refusing completion.  Try as I might, I could not figure out why.  But knowing there was an extension, I dropped the matter intending to get back at it "in a few weeks".

Of course I didn't!  I my career, I was a natural self-starter and never needed a supervisor to ask "How is the X Project going".  And around the yard and house, I normally do stuff when needed on my own (like who else is there to tell me to do anything?).

But set a deadline on something I don't really want to do, and I will use all the time available to do things I think more pressing.  So here it is July 12th and taxes are due in 3 days, so I sat down to figure out what had bedeviled me in April.

I opened the existing Federal form and went through it step by step.  Everything seemed accurate.  This time, the software said a review found nothing wrong.  Well, that's because the software believes what you tell it.  I got to the end and realized it said my gross income was about $19,000.  Whoa, way wrong.

I managed (somehow) to miss the part about my retirement annuity!  No wonder the software was unhappy in April.  Why it wasn't bothered this time is beyond me.  But after I got all that part in, the results looked right and normal, and the software allowed me to complete the Federal and State forms, and print them out.

I owe, I owe, so off to the checkbook I go...

I need to increase my withholding slightly for both, but at least it isn't so much that I owe an underpayment penalty, but I think it was close.  My goal is to make it a tiny refund on both just so I don't have to bother writing a check to both. 

But I just HAD to tell you about the really silly mistake I made the back in April.  If you can't laugh at yourself, you have no right to laugh at others for any reason!

BTW, I did discover one sad fact.  I donated my old car to a charity a few days ago.  It turns out that, with new tax rules, the standard deduction is way more than my charitable giving.  Like by $12,200 (standard deduction) to $3000 (charitable giving) and the fair market deduction for the old car ($2,000?) isn't going to get me above THAT!  So the maybe $1500 I could have sold the car for is lost money. 

Well, in a financial sense, so is the $3,000 I gave to other causes, and I will treat it the same way.  Good deeds...  In fact, I think I will give more this year. 

At least my taxes are done for another 9 months!  And I don't mind them.  They (mostly) go to good purposes.

I'll add an image in slight jest, though...



And as long as I'm here and typing, I'll mention George Carlin about class and taxes.  He had one routine where he "explained it all".  Basically, the Upper Class doesn't do any work and runs off with all the money and doesn't pay taxes. The Middle Class pays all the taxes and does all the work.   The Poor are there to scare the heck out of the Middle Class.

Funny stuff, though I will say he ignored the unpleasant and hard work of the Poor.  No analogy is perfect...

OK, time to play with The Mews before dinnertime.  I wonder how Laz will react to wand toys and the Red Dot!

Goodbye Old Car

I have had mostly good luck with cars, new and used.  I even got good service from a used Chevy Vega hatchback and a new stripped-to-the-bones Chevy Chevette Scooter (How stripped was it, you ask?  Tires were nearly an "option").  No used car lasted less than 4 years, and my last 4 new cars lasted 40 years.  The new cars following the Chevette Scooter were a Ford Taurus SW and then a loaded Eagle Vision (nearest thing to a sporty luxury car I ever bought).  The last, a beloved Toyota Highlander lasted 15 years.

But last year, the dealership advised me that the timing belt and other pulley belts needed to be replaced just due to age, the charging system was unrepairable and needed a full replacement, the tires were suffering age fatigue, and a lot of tune up and such.  Probably $5,000 total work.  And the dents and dings and paint scrapes made it nearly multi-colored. 

But it only had 30,000 miles on it, so I considered a full do-over.  But then the Covid-19 pandemic hit and according to Consumer Reports (CR) magazine, TV news reports and radio car expert spots, car dealerships became desperate to sell anything to anyone at nearly any price.  I decided it was a good time to replace it.

I like SUVs for the driver-view height, and I do have to tow a utility trailer for mulch, garden soil, and lumber sometimes.  And I've mentioned the negotiations for the new Subaru Forester previously.  I would have bought a Mazda CX-5 if there had been a dealership near me, but the 2 are about the same in the ways that matter to me.

I'm mentioning this because I donated the Eagle Vision to a charity named "Vehicles For Change".  As I understand such things, most charity sites immediately sell a donated vehicle to a mass-auction site for just a few $100s.  Not much benefit to them for that.  Vehicles For Change (VFC) has a program where the donated vehicle is repaired as training for ex-cons and others needing jobs and THEN the repaired vehicle is given to peole who need a car to get to a job, to transport kids to day-care, or just to be able to shop for groceries out of the urban desert.

I'm not pushing VFC and I get nothing from them, but they seem "different".  And it is sure easier than selling a car yourself.

And one thing I have learned from previous trade-ins for new cars is, that by the time the salesman plays with the costs enough, you actually don't get anything for a trade-in.  So, my previous car went to Vehicles For Change. 

Yesterday, the old Toyota Highlander took the same route.  I was assured by several VFC emails that it would be repaired as training for mechanics and body-repair trainees, and sent through State Inspection before being donated to a needing family.  And I get to write off the full fair market value from my taxes.  That's not why I do it, but it helps.

The Highlander only has 30,000 miles on it.  I hate driving and carpooled regularly.  They even emailed me about "is 30,000 miles accurate"?  I told them I had repair tickets showing the gradual mileage to prove it.  They were thrilled.  In the car biz, that's called a "cream puff".

So it was picked up yesterday.  The associated towing company called 30 minutes before and arrived right on time.  The towing guy was experienced and checked my VIN and my title transfer and gave me a detailed transfer of ownership. 

So going...

Going...

And gone.

I hope some mechanic and body work trainees get good experience from renovating it and that a deserving family gets a benefit that makes life easier.  Sometimes good things come from the top down (like tax breaks and social benefits for those who need it) and sometimes from the bottom up (like a donated working vehicle).

May my old loved car be of benefit to many...

Donations Thwarted

I have collected a lot of really good stuff to donate to charity.  And I can't seem to get anyone to take it.  Goodwill won't return my calls from their collection site way off in Washington DC.  Salvation Army says everything must be in boxes or bags "for the convenience of their pickup drivers".  Have they never heard that beggers can't be choosers?

Here's a list of the stuff I want to give away.

1.  Dining table with 4 chairs  A bit dinged, but I BOUGHT it from the Salvation Army store that way intending to refinish it (which I will never do).
2.  Riccar upright vacuum cleaner. Works great but I don't have many carpets and I have a newer vacuum.
3.  4" lens  Refractor telescope ( I have a better one now)
4.  Binoculars (have 2 the same, stupid purchase)
5.  HDTV wall mount (liked the HDTV better on a stand)
6.  Hanging wine racks (2)
7.  Ceramic Turkey Platter (I have 2 and don't need 1)
8.  Christmas decorations of many types.
9.  4 wood craft kits.
10.  2 Alton Brown measuring cups (plunge type)
11.  Oxo Good Grips Turkey Forks.
12.  1 postal scale (good for weighing food, too)
13.  10 wolf thank you cards, blank inside.
14.  36 rolls crepe paper in assorted colors
15.  One bike with heavy tread tires
16.  Hand-painted lampshade  WITH a suited lamp
17.  2 stacking plastic chairs


And there is more to the list.

How do you put an upright vacuum cleaner in a box?  Or a bicycle?

This is just too bizarre.  How can the donation services not want these things?

Looks like I have to go to Craigs List to sell the major items and just trash the rest.

Any ideas? 

Energy Use After New Insulation and Other Stuff

1.  Energy Usage After New Insulation:

One month does not prove anything much, but my first post-insulation project usage for October shows that my Oct 2013 usage was 1326 "some unit" and the Oct 2014 usage was only 973.  It is promising, but weather in one month can be different one year to the next.  I'll wait to see the next few bills.

But it does look good.

2.  The framed raised garden beds are progressing.  3 of 6 completed and the boards for the 4th are all cut.  Now that I have the process of building them routinely, the 4th will be easier than the first.  And I am set to buy the lumber for the 5th and( last) 6th  any day the weather is "OK".

3.  I'm continuing to accumulate a pile of donatable items in the basement.  Its not the "usual stuff".  Today I cleaned out the top shelf of the pantry.  Anyone have  a bamboo multi-layer chinese steamer?  I do, and I haven't used it in 20 years.  Onto the pile it goes.  I hope the Salvation Army knows what it is.  LOL!  I keep holding off calling Salvation Army for a pickup because I keep finding new stuff to add to the pile.  I wonder what they will do with a 4" lens refraction telescope, for example.  But that's their problem/good luck.

4.  I'm loving the new trash pickup!  I got rid of 12 bags of kitty litter last Friday and 10 today.  They say they don't accept "lumber", but I have a barrelful of scrap ends, and so far as I can tell watching them mechanically lift and dump the dedicated container they provided, they can't see what is in it.  I can keep cutting the trash lumber into 6" pieces and put them in bags all month until is is all gone.  It sure will be nice to not have to drive to the landfill this winter!  And I have a lot more junk to get rid of.  I'll fit it it into the dedicated Evergreen container even if I need a sledgehammer to break it up.  And I'm not trashing any recyclable or compostable stuff.

5.  Last night was the first hard freeze here.  I dug up 4 Basil plants to try to keep them growing inside on the south window.  Picked the last tomatoes too.  A few were at orange, so they might ripen.  For the others, I will look up "fried green tomatoes".

6.  Got out my 3 window box planters tonight.  I can get some fancy mesclun lettuce from them over the winter,  I have just enough potting soil left from last Spring to fill them.

7.  The lowering sun this time of year is now blasting my eyes through the kitchen window.  I found a tension rod to fit across the window and a valance to hang just low enough to prevent the glare as I make my lunch.  28 years and I'm finally getting around to doing that!  I had a choice of 2 valances.  One white lacey and one red.  I chose the red; white lace isn't quite my style.  Red doesn't fit the white wall and black appliance colors, but who cares.  The cats won't complain.  I've been considering having the kitchen tiled in various shades of 4" green and painting the rest of the kitchen celery.  Maybe I'll hang a little label on the red valance "annoying red dissonance".  LOL! 

Actually, I like red/green/black as a color scheme.  My living room is hunter green, the TV room (traditionally the dining room) is dark red, and all the other stuff is black except for the medium wood furniture.  Oh well, I never expected to be displayed in "House Beautiful".  I like what I like.

8.  Next indoor project is to arrange the planting area.  Everything since Spring has just been piled into the grow-light shelves.  Since growing season starts indoors here in 2 months, I better get started on that soon.  Or I'll need to do it fast the day I want to start planting.