Taxes… Late Again!

Well, it is that time of year again and as has unfortunately become an annual tradition we have filed an extension on our taxes. I was really hoping to get them done on time this year and had even lined up a new accountant but, with everything that has transpired over the last few months, it just wasn’t going to happen before the deadline. While I have much of the material and receipts set aside for this endeavor, I still need to print out a swath of statements and organize the mountain into the different deduction categories. It is definitely an undertaking that I am still not looking forward to.

The real issue that I am finding now is in the upcoming schedule that doesn’t seem to have too many free moments available to get the work done. Well, at least the next couple of months as the summer should provide enough time to pull everything together. This is a real issue, on the one hand I don’t want to spend the hours preparing the paperwork while on the other I really don’t want to give the government more money than I have to give them. After all, we are the ones that had to work for the money.

However, this rather large dilemma is actually proving to be a good thing as it is forcing me to take the tax proposals on the table by the various presidential candidates into more serious consideration. Essentially, this eliminates those whom I have already seen as a detriment namely both Democrat candidates. Basically, I have to look at what kind of financial position I will find myself in should Trump, Cruz, or Kasich take office. Well, at least what is being proposed… I won’t fully believe any of the ‘plans’ until they are implemented. And, let’s be honest, Kasich is done so I am going to focus on Trump and Cruz.

Simply put, you can go with an overhauled 10% flat tax as proposed by Cruz or a simplified graduated tax rate starting with those earning more than $25,000 ($50,000 for married couple filing jointly). For one, a flat tax is something that is manageable across the board and eliminates much of the overhead associated with the tax system (i.e. it would cut government spending) while a revised system would reduce the tax revenue while doing nothing to reduce the burden of associated overhead. Contrary to what many would want you to believe, the flat tax is sustainable and a sensible approach. Plus, I really don’t have a lot of confidence in someone proposing a tax structure when they themselves have spent years paying as little as possible while declaring bankruptcy many times over.

So, in the end, my support of Senator Cruz has been reaffirmed. It has been a long road getting here (he is the third candidate that I have decided to back) but we are now at the point when he is the one candidate that makes sense to me. Additionally, I like his decision to name a running mate in Carly Fiorina who brings a more moderate voice to the ticket as well as a long track record of executive business experience. Now all we can do is wait and see how the remaining primaries play out and what kind of contest we have during the national convention. It will certainly be interesting.

Climbing The Desktop Mountain

It seems like the last meeting was only yesterday and as the time has continued to fly by, the projects have continued to pile high. The last couple of months have been trying in more ways than one and as the district visitation and numerous other deadlines approach, I am continuing to struggle to get things done. But sometimes this is what we have to do as the Secretary of the lodge… we have to prioritize the various wants of the lodge, complete the needs, and slowly start working down the list.

Unfortunately, there are more projects that need to get done now than at any other point during the year and so the hours of communication, processing, sorting, and filling out forms has been a bit more arduous than usual. It hasn’t helped that I have also been absent from the lodge for many of the meetings and other gatherings as well but, again, that is part of the personal prioritization that we must all find for ourselves. But it has been tough trying to balance everything.

It has not just been the many new things that have come up since the beginning of the year. There have also been a number of items that have carried over from 2015 and, undoubtedly, many things from the previous year that have had a significant impact on our ability to check things off the list over the past few months. And for each of those items it has been a constant stream of emails, phone calls, and conversations at the lodge. Those are the moments when I would like to have an answer for the brothers asking the questions but I have nothing to offer or very little to report. Some things, whether I like it or not, are simply out of my hands.

However, there are a few things that seem to be coming together albeit a little later in the year than we had planned. I can see the peak of the pile and soon hope to be gliding down the slope into the summer. Of course, that will also be the time when all the projects that have been moved to the bottom of the list should be competed so that maybe, just maybe, we can head into the fall and the final four stated meetings of the year with a clean slate… at least of the myriad of things on my desk. But, right now, I just have to make it through the next few months.

Darting To The Lodge

That is not my car... but it is for now.

Given the conditions of the roads and still feeling stiff and sore from the accident, I hesitated heading over to the lodge last night. However, there were a multitude of meetings that I needed to take care of this week and driving to Ardmore was the most efficient means of getting everything done. So, while not the most comfortable option, I slowly navigated the bright white Dodge Dart rental around the suburban pothole minefield and made it to the lodge in plenty of time to check the mail and settle in before the next brother walked through the door.

As it turned out, I was not the only one having a bit of an off week as there were a couple of meetings that had to be postponed due to personal reasons. However, even with a few brothers having to miss the fellowship night, the lodge was still busy with nearly a dozen scattered throughout the building. Some of us were discussing various topics in the hall while others were practicing for the upcoming degree work. And, of course, we also had our new candidates in attendance nearing what they need to know before taking the next step.

Much of my night, without the aforementioned meetings, was regarding matters unrelated to the lodge. The first conversation I had was with a brother who will be helping me with some of the home renovation projects that I mentioned in a previous post. We also discussed my recent accident and reviewed some of the lessons that we each have learned over the years through personal experience as well as the accounts told by others. With books in hand it was also an opportunity to share with my brothers the work that has finally come to fruition in recent months (more about those later).

Finally, toward the end of the night, my cousin arrived to both take care of some replacement SAR paperwork and also to catch up a bit. It is great to have this common bond with him and have a space where we can meet and talk about our lodges, work, family, and anything else that may come to mind. It is also a great opportunity to introduce him to some of the brothers from the lodge in case he ever wanted to join us for a meeting. While not all of the meeting I had planned for took place, it was still a productive night and while I didn’t get home until much later than expected, at least I could relax knowing that a few things were crossed off my list for the week.

TMI Tuesday: Baby Gets A Bigger Room

The long day began with our usual morning routine which quickly changed once we got in our cars and met up at our son’s daycare. Today we both wanted to be there when we dropped him off as things were going to be quite different when we picked him up. It was a great feeling telling him “You have fun at school, mommy and daddy are going to go get you a bigger room!” From that daycare we drove to another… we haven’t been very happy with where our son has been spending his days.

Our appointment began as the last of the children were dripped off by their parents and as soon as we had a moment to sit a look around, we knew that this was a completely different place than where our son was currently spending his time. By the end of the tour there wasn’t a question in our mind as to whether we wanted to change his daycare it was all a matter of when would he be able to start. While we were going to make the switch anyway the fact that it was a $100 per week cheaper made that decision a lot easier.

From there we drove up the road a few miles where we met with a brother from the lodge and his wife. It was a relatively quick meeting as we were all running quite a bit behind schedule and before we knew it we were up against the clock to get to our next appointment. We arrived slightly passed the time we had hoped to arrive but things seemed to work out as our room wasn’t quite ready. This gave us an opportunity to talk with all those who greeted us at the front door. At this point part of me was eager to get things moving while another part as nervous about the changes which were about to occur.

The delays seemed longer in the moment than they do in hindsight. I guess it was all the excitement and anticipation of the day. Looking back it seems like mere moments between the first handshakes to the final signature to the disbursement of checks. While all the leg work and preparations may have been time consuming, it was all worth the effort when we were handed the keys to our new home and our son’s bigger bedroom. Now we can finally call ourselves homeowners and now we have a place where we can see ourselves raising our family for many years to come. It is a great new feeling to have especially when you go to pick up your son and tell him that we found a place where he will grow up.

I Hate When Cleaning Leads To Taxes

Every once in a while my wife and I find ourselves in desperate need to do some cleaning around the apartment. With our schedules the way they are and other projects taking priority, things just seem to build up over time until we get to the point that we can’t take it anymore. It is a slow build but one that we see happening and keep planning on taking care of which in itself is a process that can take weeks.

There are also projects that keep getting put off. Mostly they involve reorganizing different areas or shifting things around from one location to another. A prime example is the reconfiguration of our kitchen. When we first moved in we set up a kosher kitchen and kept it that way for well over a year. However, in the early part of last year we decided to adjust our observance level and at that point stopped keeping kosher. Since that time we have been meaning to consolidate some of the utensils and free up some counter space. Today that finally happened.

Later in the evening, after my wife had gone to bed for the night, I shifted my focus to the office. Paperwork of any kind is tedious but especially when it is a matter of organization. I first went through the existing files and pulled out all of the items that made me say “why the heck is this getting saved” and threw it into the overflowing shred box tucked under my desk against the wall. I guess I am going to have to make another trip to Staples in the near future.

Once I was able to consolidate and sort the overabundance of papers in the filing cabinet I was finally able to focus on the piles that had taken over my desk. This is when I came to the realization that most of the papers were either paid bills or magazines. While the magazines have been consolidated into a single stack the bills were a little bit more involved. Some went into a miscellaneous bills folder but the vast majority ended up in the dreaded tax folders.

Yes, I said folders. Plural. If there is ever a reason to hate this time of year it is for the simple, yet complex, reason of pulling together all of your documents, receipts, and forms and filing your taxes. While I closely watch, track, and itemize every year I have never gotten a significant amount back. In fact, last year, I owed an amount of money which didn’t make sense whatsoever… during a financially red year the government still wanted more… more of what we didn’t have. We managed, barely, to pay the bill and now we have to go through the same process again.

Just like cleaning and organizing, taxes seem like a zero sum game but we all eventually end up having to deal with it. I can already tell that this is going to be a long first part of the year. Maybe after April I will be able to breathe… but I think that is going to depend on the financial outcome on in the middle of that month. I guess we will just have to wait and see.