Taxes

Thank you all for sympathy, encouragement, and  hopes for easy success on my taxes.  It helped.  And I successfully e-filed my Federal Taxes yesterday afternoon.  After attempting to complete my taxes before April 15th, in June (after having filed for an extention in April) and in August, I was at my wit's end.

Some explanation...

In April, my H&R Block software said I had no network connection.  So I assumed that meant it was a problem on my computer and filed for the 6 month extension.  I figured I had to solve the "no network connection" on my own.  But 6 months seemed like lots of time and I wasn't having a network problem with anything else.  

So I tackled it again in June.  No luck!  Tried again in August.  That time, I decided to call H&R Block and demand to know what "no network connection" meant to them.  I reached a very helpful techie who helped me check my network.  After about 20 minutes of no success, she suggested I just reload the software.  I was worried that I would lose the existing "almost" completed Federal return, but she assured me I wouldn't (as it was a separate file).

So I did and the "no network connection" problem went away and my file remained.  Yay!  So in September, I went back at the taxes.

OMG, the software was different and I discovered there were documents I was missing.  Apparently, the whole problem was some failure during the initial software download in April!  But I had a month to find the missing documents before the Oct 15 deadline.

My, how time flies...

So last week, I realized I had to sit down and get everything together.  First thing was to sort out 6" of unfiled general billing/receipt stuff and file them while looking for the missing documents.  That was long overdue and worth doing, but I didn't find the documents I was missing.

Not to reveal details, but I had 2 major missing documents.  The first was a summary of my mutual fund  investments.  Downloading that one from the mutual fund website was easier than I expected.  There was an obvious button for "downloading tax forms".  Yay.  

The second was the one for a Government Savings Program.  It requires that you start withdrawing 10% per year after age 73 and I turned 73 last year, so this year was the first time I had to report about that.  Worse, if you don't withdraw it voluntarily, they send you a check anyway (minus earned interest).  

So I wasn't familiar with it and didn't recognize when the software was asking about it.  The term "Minimum Required Distribution" didn't mean anything to me.  So I went to the H&R Help Desk (a FAQ, not a person) and figured it out.  But entering it in the tax software raised an alarm.  Which, of course, I did not understand.  Turned out they sent 2 checks and I had forgotten about the 2nd one.

Anyway, I finally got that straightened out...  But it seems that I managed to delete my previous Federal Form entry, so I had to start all over again.  I felt like Ahab fighting the whale!

At least I went through the process a bit more smoothly yesterday.  There are still some entries I'm not certain about.  There are terms and phrases the Government uses that are not exactly plain English, and they explain terms as best they can.

At the end of the Federal form, they (H&R) do a review for completeness and risk analysis.  I did have to go back and fill in a couple of entries I had accidentally skipped (minor stuff like an address confirmation).  But they said after that, that they found no errors.  

So I e-filed the Federal return yesterday (free, and I already have a confirmation the IRS has accepted it.).  Later today, I'll do the State return.  That will be easy because most of it is automatically entered from the Federal return.  I'll snail-mail it Monday because H&R charges $20 for e-filing the State return.  Why the Federal e-filing is free and the State is $20 escapes me.  

I just had to stop after hours with the Federal return (and it was time for dinner).

Next year, I'll just dump everything on a live H&R Block office and avoid all this.  I'm not the dimmest bulb in the room, but this tax stuff is just getting too ridiculous. 

I once read a joke about a simplified tax form.  As follows...

"A.  How much did you earn last year?

B.  How much do you have left?

C.  Send B."

Reconsidering Offline

Maybe going offline until I get my taxes done isn't the best idea.  I can only do so much paperwork in a day.  There is value in posting about other things for a change in menbtal focus and some relaxation.  And to discuss progress.

To get my taxes right, I need some documents.  And in spite of being an office worker for 3 decades, I was and am a terrible filer.  I had an 8" tall stack of stuff  (credit card, insurance, and bank statements; vet and Dr visit documents; all kinds of stuff; on the top of my filing cabinet and I expected the documents I needed were in there somewhere.

So yesterday, I spent almost 6 hours sorting the stack into subjects, organizing the documents by date, and then filing them.  Binq tried to help, but mostly she kept swishing her tail in my face, scattering the documents, and demanding attention.  Generally keeping to herself, she does have times of wanting considerable attention.  Otherwise, it might have only taken 4 hours.

But it did get completed.

Not to get too detailed, but I have a particular saving account that requires 10% withdrawals each year at my age.  I ignored that requirement at first, but they forced 2 checks on me in 2023 and I am missing one of them, which is where I started having problems understanding the tax forms even with H&R Block software (probably my fault, not theirs).  I mean, they ask the right questions, but you still have to answer them correctly.  

And I only had a document for 1 of the 2.  The information I need is probably also in my bank statements.     I might be able to get the forms from the special savings account website.  But that is the project for later today.

I stopped when it was time to make dinner and time to make sure The Mews were inside and get First Dinner.

So later today, I get back at the taxes.  Hopefully, I will actually find the missing document directly and easily from the account website.  If not, I will have to search my bank account statements to find the specific deposits (hence my sorting and filing efforts of yesterday.

But if I don't post for a couple days, assume I'm having troubles and am distracted...

Taxes Are Too Complicated

Going off-line for a week.  I have to do the extension tax filings by October 15 and things are so botched up I have to start from scratch and make corrections...  And sort out the 3 versions I thought were correct at various times but aren't.  

I'll be back when I am back.  Damned stupid complicated taxes!  The 'Minimum Required Distribution" of my Government Savings Thrift Plan has ruined my ability to deal with it on the tax forms.    

  .....

Well, Darn I have to change my post.  I did spend a few hours sorting out the various tax forms (without a lot of success), but when things like that get troublesome, you have to turn your attention to something else.

So I decided to tackle another problem that has been bothering me for several years.  No point in solving a simple problem, LOL!

Some people listen to music on their phones, some on a small boom box.  But I'm a stereo rack guy.  Old habit...  And I haven't been able to play CDs for 3 years.  So, "fix that".  I was sure it was "bad cable hook-ups".  I've looked at it a couple times and just gave up seeing all the wires in the back again.  And I even had a new CD player in the box, but was sure it was the cable connections.

I'm an idiot!

But to start, I had to roll out the stereo rack.  It's on a wheeled tool platform (love those things).  

Then I looked at the cables.

I could not find anything wrong.  But they were all tangled so I undid them all.  Even unplugged all the power cords

to have a clean untangled start.

So with most of the equipment unplugged, I attached the CD player directly to the speakers.  Nothing, nada, nope.  I should have known the CD player itself was the problem...

But I had a replacement in the house (for 3 years).  So yeah, at least once I suspected the player was the problem.  

So I re-connected all the non-CD cords neatly (to keep them out of the way) and put the power cords off to one untangled side.

Checked all the "ins and outs" cables carefully...  Plugged everything back into the surge box...  Turned the tuner selection dial to "CD".  And tried it.

Ah bliss!  'Pictures At An Exhibition' came right up...

I really needed a success...  

My Busy Day

Yeah, somedays I do more than usual.  And I bet many of you do more than I do, so I'm not bragging about it, just mentioning it.  To me it was a busy day.

Partly, it is that I just stay in bed 10-12 hours.  I don't really know why, but I sleep poorly and it takes 10-12 hours to get 7-8 hours actual sleep.  So half the day is gone by the time I get up.  I am resenting that loss of useful time.  I mentioned that to my Dr once, but nothing came of it (as there were more serious issues on the table).

So I got up and made lunch.  I wanted something quick because I had "stuff to do".  But it is surprising how long it can take to peel 2 hard-boiled eggs and dress the halves with a smear of mayo, salt, paprika, and onion powder.  And cut up a tomato, 2 celery stalks, a carrot, and a cucumber.  And then eat it all while reading the newspaper.  😋

After that, I got at my errands.

First, visit vet to pick up new sub-Q fluid bag for Marley.  I bought one a week ago, but SOME cat bit it open and all the fluid drained out.  That used up a 1/2 hour.

Then to the grocery store.  I hit a busy time.  One cashier lane open, so 30 minutes shopping and 20 minutes waiting to pay for it.  I should remember not to grocery-shop between "end of school day" and "pre-dinner" times!  An hour used up there.

Then to Nick's (the liquor/deli/specialty store I like).  Picked up 6 cases of my special-ordered wine.  It is actually a repeating order, but they had a sale on it, so I ordered extra.  No point in passing up a good value.  It's not like this wine goes bad in 6 months.

By the time I got home, it was past 5 PM.  And I had lots to unload and put away.  Did the groceries first, since the was milk and deli meat involved.  And bulk stuff has to be separated out for the basement refrigerator.

Then the 6 cases of wine.  I have gotten to the point where a case of wine is a bit heavy for me to just carry to where I store it in the basement.  So I dragged out my hand truck/dolly to pull them from the garage to the basement.  It wouldn't move.  One flat tire!

It is a small tire, so I pulled out my old bicycle pump.  5 minutes of that and no improvement.  The bead on the tire is separated from the rim.  So I dragged my mechanical air pressure pump into the garage.  And that wasn't enough to reseal the tire to the wheel.

But I had 3 cases of wine on it.  I removed one and 2 cases was light enough to wheel around with just the natural rigidity of the tire.  Got the cases moved.  I'll deal with the failed tire bead another day.

By the time I had the wine put away in a corner of the basement and had all the groceries put away, it was 7 pm.  Dinnertime!  

The Mews were a bit short on meals (because I got up late and then was gone for hours), so I just kept feeding them once per hour until they didn't want anymore food.  Full kitties are happy kitties.

Then, and only then, I made my own dinner.  Had to be something easily, because I was pretty well worn out.  I am glad I make spaghetti sauce with meatloaf mix, saute'd onions, mushrooms, garlic, and oregano in large batches and then freeze dinner-portions.  Thawing the sauce out is easy in hot water.

Watched 2 hours of political analysis news on MSNBC, then came here.  And I have more errands to do tomorrow!

Good Meat Store

I like the local meat/deli/liquor/specialty store (Nick's of Clinton).   They offer good specials each week.

For example, this week they are offerring Filet Mignon for $12.99/pound.  That may seem a lot, but they trim the membrane off and slice it to choice for free.  And I have them save the trimmings to grind up for The Mews (they love it).

But more importantly, I cut the steaks into 4 oz sections, which is all I need for a meal about 2x a week.  Which means my Filet Mignon steak is only $3.75. Try to beat that at any restaurant, and I cook it just as well, LOL!  And rib-eye and delmonico is often cheaper.

Yeah, chicken and pork is cheaper (and my routine meats) but a small steak is good sometimes.  

And they special order my favorite wine when I order 4 cases at a time.  And discount the price.  4 cases does last a while for me.  So a couple days ago, the manager actually called me to say that my favorite wine was going on sale this week and did I want to delay pickup until it was "officially" on sale?

Well, I normally order the 1.5 L bottles as being a little bit less expensive at $16.49.  But the smaller ones at 750 were going to be $6.99, so like $14 per 1.5L.  $2.50 less per volume for the same amount!    So I said to order 6 cases.  No point in passing up a good sale.  It's not like the wine will go bad sitting in my cool basement!

Don't get me wrong.  I drink 2 glasses of wine with dinner and I'm not worried about that.

There are other good things about the place.  For one, it is the only place I can routinely find eggroll wrappers.  And some of their produce is usually cheaper than the local grocery stores.  And they actually have ripe Golden Delicious apples.  The local Safeway thinks they should be green.

I love Nick's...

Taxes

I filed for a tax filing extension back in April.   My H&R Block software did my Federal return, but the State software kept saying "network connection not found".  I couldn't solve that.  And there was no way I was going to call the H&R Help Center 2 days before the April filing deadline!

So I filed for an extension and sent the IRS $5,000 to cover possible extra tax required.  Every month after, I tried to solve the "network connection lost" problem.  It was baffling.  But by early September, I could put it off any longer and I decided it was safe to call the H&R Block Help Center without being on a 2 hour waiting list.

An agent come online in about 20 minutes later.  The agent said network problems were not really their problem.  I pointed out that the Federal return software did not show that problem, nor did I have that problem anywhere else.  I pointed out that we were both looking at my account over the internet, so there was obviously a "working network connection".

So she agreed there had to be an H&R Block problem.  After 20 minutes of trying various solutions, she said, why not try re-installing our software?  I was worried I would lose the Federal return.  She said that the Federal return was saved under a different name (which I knew but hadn't thought about) and that the re-installed software would know what file to look for.

So I did.  And the Federal return was still there and the State return form seemed suddenly perfectly happy with my network connection.  I thanked her and hung up.

So I proceeded with the State return.  This is where things get bad...

I won't go into details about my taxes, but I have stocks, bonds, and a Government Savings Account (called the TSP if you know what that is).  My stocks and bonds are all Index Funds and some portion of those have some foreign investments, which complicate things.  I have no control over the Index Fund investment choices.  Plus, the TSP requires that I withdraw a portion of my savings from it each year now that I'm older than 72.

I hadn't known that in 2023, so they forcibly sent me 2 checks since then.  I had included one on my Federal return, forgetting about the 2nd.  So I had to adjust my Federal return in the software.  Did that, and shut down for the night.

The next day, my Federal return was blank!  Nowhere to be found.  I have no idea why.  Even my backup program (Time Machine) is acting weird.  I tried to recover the Federal return using that, but failed.  Each time I open a date, it sends me back to "choose a date". 

ARGHHH!

If I was 50, I could probably solve this.  I think I have to just redo the Federal return.  Fortunately, I have all the previously-printed tax forms, so it won't be like starting from scratch.  And then I can do the State return.  I have until October 15, so I will sort out the 3 different versions of the Federal return (as I said, I found errors before I mailed them) tomorrow and go from there.

But I think this is my last year using tax software (unless the Govt provides a better one).  Next year, early March, I will just take all my forms to a tax-preparer and say "tell me what I owe" and have them file the returns!  

This has finally become just too hard!

Old Basement Refrigerator

 I had an old refrigerator in the kitchen.  It wasn't the original one, but it was probably about 15 years old.  I decided it was sucking up too much electricity.  And it was a bit small.  And it was the only white appliance in the kitchen.

So I bought a newer more energy-efficient one about 5-6 years ago (maybe longer, time is fuzzy sometimes).  I liked it.  And it probably paid for itself in energy-saving.

And had them move the old one to the basement as a sort of root cellar.  Set it to 45F for storing garden and bird seeds, sodas, potatoes, bulk stuff like that which didn't have to be seriously chilled.  Since it was seldom opened, the energy-inefficiency wasn't much of a problem.  

But I did keep the freezer portion at 0F because I stored bulk meat there.  Individual meal portions of cooked chicken, pork, and shrimp; raw beef, all in individual zip-lock bags and each in its own larger shoebox-size plastic container.

Well, the shrimp come frozen, chicken and pork seem to come out fine (and safer) pre-cooked, but I want to cook the steaks rather individually at dinnertime.  And the old fridge had a top freezer which was convenient for seeing all the large container labels.

But I got tired of the newer kitchen freezer being at the bottom.  When I prepare bulk stuff like stews, spaghetti sauce, soups, etc, there were all these small one-meal containers loose in the bottom and it was awkward to find anything specific.  So on days when I didn't feel like making something new, I would just reach in and pull out a leftover.

I was willing to be surprised.  It was "Oh, I'm having hot sausage/cannelini bean/onion/tomato stew tonight.  Sometimes, you can't really tell what something is until you thaw it out, LOL!  But the small containers kept falling around when I pulled the bottom freezer drawer out and I had to keep re-stacking them.

So I decided the old basement refrigerator had to go.  My electric co-op offered a fee pickup of old appliances and offerred a $50 rebate.  So earlier this year I called them about that.  They said they had ended the rebate program.  So I figured I would have to pay to get it hauled away and moved it out of the way.

Meanwhile I bought a newer even more energy-efficient top freezer fridge.  But just before delivery, I realized it was too tall for the kitchen.  By 1/4"...  So it ended up as the new basement fridge.  Which actually works out.

I moved all the large basement top fridge meat containers to the bottom kitchen freezer.  The sliding drawer makes it easy to open the front of the large containers to pull out a frozen bag from the labelled containers.  And all the loose small containers went to the top fridge basement freezer.  No drawers there, so they don't fall over when stacked now.

And I mentioned all that to say that I discovered my electric co-op re-started their appliance pickup and rebate program!

They came and took away the really old fridge on Sept 5...

Goodbye old fridge, I am glad to see you go!  And good news is that it will be taken apart and recycled.

9-11 Day

 

Kitchen

A kitchen I would love...

But that's half the size of my house.  And unclutterred.  And clean...

The kitchen I have...

There seems to be a slight difference, LOL!  The difference, I suppose, is that I live in mine and everything is right at hand, and the top one is staged.  But wouldn't it be nice to have one like that?

Maybe.  But I had a long-time former friend who renovated his house and tripled the size of his kitchen.  And the only thing he did in it was cook steaks every night.  He wanted it to look impressive.

Mine functions well for me. But wow on the way a kitchen can "look"!

Neat Computer Thing

I can't touch-type, and my hunt&peck is very "poundy".  So my keys wear out fast.  I had about a dozen that were impossible to read anymore.  Well, maybe I can't touch-type, but I do basically know where each letter is.   

But out of curiousity, I went looking for replacement keys.  A bit expensive.  But what I also found were press-on decals.  

They seem to be very good.  The print matches most black keyboards (there might be white/cream/gray decals too), the vinyl backing is sturdy, and they seem to stick well.   I got mine at Amazon ($6), and there are 2 full sets of key decals.

It looks like a new keyboard!  

Computer Problems

I had sme real frustrations 2 days ago.  I was talking to my Credit Union about online access.  They keep shutting off my password if I don't visit enough enough.  Well, I woukld think they would be happy that I don't bother them often, but I suppose that means I don't see the loan offers (that I never ever bother using).

But in the middle of the call, KERBLAM!!!  Out of nowhere, thunder and lightning directly overhead in the same instant...  Then torrents of rain (which The Weather Channel did not predict).

I have a battery backup surge protector of course but that was too much for it and it shut down.  An hour later, it all stopped.  But I couldn't reach any internet sites.  The TV worked, so I hadn't lost my cable service.  Restarting the computer several times didn't work.  Shutting down and restarting didn't help.

Somewhere, there is a "take service online" menu choice, but I couldn't find it.  So I just left everything shut down

Yesterday, I tried everything again.  No luck.  Then I remembered about disconnecting and reconnecting the router.  That finally worked.  👍

I happened to look outside while waiting, and saw the rain gauge.  2.25"!  In about 1 hour!  Well, that should keep the grass and shrubs happy for a while.  But it was worrisome for a while.  I was afraid the computer was fried.