LJ – The Taxman Cometh

From 02/12/2003


Just polished off my taxes, Scott’s and Dan’s. Turns out I’ll be making quite the killing refund wise so I have decided to invest my money in three ways. One way is to completely disentangle myself from worrying over the fundage for our groups Gencon trip, second, to ferret cash away somewhere safe for an eventual trip to Wales (& Ireland, maybe), and the third bit I am not sure on just yet. A part of me wants to toss it at my credit debts, another part wants to have it broken into 5’s and 10’s and roll around in it like a horse with a bad back itch.

While putting some mileage on my Guncon2 controller for the PS/2 with my friend Dan from work we did taxes and chatted and I wondered why the feds don’t establish a monetary return (interest after all) on the withholding that I’ve been involuntarily paying via my employer, that would add a bit of flavoring to my 1040A for sure and be more fair to everyone.

Another thing I discovered tonight is that even though there are slight differences in withholding and such, I really got a taste for the poor getting poorer and the rich getting richer while doing everyones taxes – the divide between Scott, Dan, and My income tax returns shows me how unbalanced income tax is and it angers me how it is affecting my friends.

Death and Taxes

Last October my home mortgage, which was an ARM went from 5.8% to 2.75%. I went from worrying about the ARM going up to worried about my tax liability. So this year I processed my taxes and everything worked out. I claim 2 exemptions on my W-4 form at work, and I’ve grown accustomed to being able to take more of my pay home with me than leave in withholding.

So of course, the APR on my mortgage changed, so did that change how much mortgage interest will be? Of course it does. So I wrote an email to Wells Fargo Bank (they that hold my mortgage) and I asked what the projected amount of interest is that I’ll pay on my home for 2012. The response from WF was worthless – it amounted to “Yes sir, you have an ARM” Yeah, I KNOW THAT.

So I called WF. Talked with a nice lady who estimated my mortgage interest would go from about 3400 to 1000 or so. Definitely a change. So I went to TaxAct and filled out the W-4 calculator and it told me I should change to an exemption of 1. So I did that. Then as I sat there I was looking at my calculations and utterly forgot my HELOC! So I went back and added the interest from the HELOC, which is fixed, and then I saw that I was back to an exemption of 2. So now we’re on a deathwatch to see if I confused WMU Payroll enough with my flippity-flappity W-4 exemption fiddling.

At least for 2012 I don’t have to redo my budget to take into account less take-home pay. That’s a huge stone off my shoulders! Whew!

Eight Ball

I’ve about had it with gasoline companies. The prices change daily and nobody is very clear as to why that has to be. I suspect it has more to do with price fixing, gouging, and generally being nasty to the public than it has with supply and demand.

When prices are this variable, to say nothing of being this high, I start to think about ways I can manage my money when it comes to buying fuel. I often times will drive on an empty tank using the range metric from the cars computer as a gauge to determine when I should buy fuel or not. Last night while driving home from the gym it struck me. I allocate $40 a week to gasoline in my budget and I can make it from week to week quite well on that money. Instead of buying fuel in one $40 transaction which today would only really get me three quarters of a full tank from empty I have decided that I am going to buy gasoline in $8 increments. That gives me five opportunities to fuel until I hit my budget cap. So, the last time I fueled, which was last night, I bought $8 worth of gasoline. That won me about 100 miles in the range metric, but since I refuel around 30 miles on that metric it’s actually about 70 miles. Of course the metric is based on a LOT of highway driving so the minute I go back to city driving the MPG will drop through the floor and this mythical 70 miles worth of gasoline per stop will actually turn out to be around 30-40 miles.

With this plan, I don’t have to feel like I got gypped by the variability in gasoline prices. I don’t care about credit card transaction fees on small purchases hurting the vendor. I lack sympathy for the devil.

Green Jade

“What’s the number one thing you want for Christmas?” This question started me thinking on the nature of wanting things and the challenge of gift-giving during the holiday season.

When I was a kid it was easy, I wanted a toy or a gadget, something that I absolutely had to have. Over the years, as I grew up probably, this desire for things started to mutate. It went from wanting when I was very young to sometimes needful things as I got older. As I continue to age along my path I discover that I want things less and less. I think it’s partially because of the poor economy – I can’t really ask anyone to get me anything because times are tough, unemployment is high, and nobody should feel awkward about not being able to get that perfect gift for someone else. We are all bound to budgets and we either use our savings or we borrow to make sure that someone has a “good Christmas”. I have found that I’d rather send cards and holiday greetings, spend time with people that I want to spend time with, rather than receive some token object of affection. It’s an impossible road to tread, because the culture is so wound up in giving things to each other that you feel awkward making a list and then you feel even worse if you don’t have a list to give in the first place. It’s kind of like a trap, in that regard.

A lot of the old standbys just aren’t as attractive to me any longer. Music is mostly artificial flotsam and jetsam, pounded into shape by machines, delivered either by an object like a CD or virtually, on iTunes. Much of modern media follows this bend that music has taken. Most of it is utter crap, and while it’s nice to have things that are good and you do enjoy, the chances that you already have what you like is almost a certainty. The issue here is there isn’t anything really new or notable when it comes to a lot of modern media choices. It is best exemplified by how people make and enjoy the media. In the 21st century most media is faucet-delivered. This has two angles to it, not only is what comes out of the faucet kind of bland, dull, and uninteresting, but in many respects opening the faucet and leaving it run doesn’t cost anything. In music, you have Spotify. A free account with which you can listen to nearly anything at all anytime you like. Faucet Music. Netflix. Faucet Movies. GameFly. Faucet Games. I don’t seek out music any longer, the artists I like are dead or have moved on to survival employment and no longer make music. Movies? They are the essence of faucet media. You find a production company, a script put together in a crayon-by-numbers way and as long as it makes its initial investment back you’ll be on a permanent treadmill of meaningless sequels. I don’t really like going out to the movies anymore, there are so few movies out there that interest me. There is a very tender balance between how much bullshit I’m willing to put up with and how much that bullshit costs, all balanced on a fulcrum where on the other side is what I could be doing with my time if I wasn’t enduring said bullshit. So there is no point in buying a BluRay of anything and wrapping it up as a gift. Most of the dreck that Hollywood secretes is recycled monumental bullshit. Remember Avatar? Try Pocahontas, try Fern Gully. It would be one thing if this was an isolated example, but it isn’t. This sort of derivative bullshit soaks modern media to the dripping point.

So I stand back from all of this and think about what I really want. What do I want for Christmas? I want time. Time to do what I want to do. It’s the only thing I lust after these days – time enough to read, time enough to do whatever else it is that I want to do. Time is impossible to buy, and utterly irrational to try to wrap up for someone else. Really all that matters for the holidays is to be with the people you truly want to be with. Sometimes you can’t make it and you feel bad because there is so much space between you, and sometimes you don’t make it because life is better when it’s lived apart.

This entire line of reasoning is a terrible thing for retailers who make their money on selling things, and for that I am sorry. But things aren’t want-ful much anymore. Sometimes they are need-ful, sometimes they are like-ful, but only in a rare set of instances is a thing actually want-ful. In some ways perhaps, the faucet services like Spotify and Netflix have done more damage to their subject media than they ever intended to. By making everything available, the value of that everything drops to zero. Just leave the faucet running, it doesn’t matter.

Ducks in a Row…

LiveJournal 11/8/2003

Paris is coming… we fly away on 11/13/03 at 4ish from Chicago. So far we’ve got most of what we talked about done:

1) Cat sitter is set for the 15th, maybe we can talk her into also stopping by on the 18th too…
2) Metro and Museum passes are bought, all we need now is to wait for shipping
3) Train tix have been bought, I had to spend an extra $20 for last-minute ordering, gah!
4) Hotel is all set
5) Airfare is all set

All we have to do now is set up a schedule of what we want to visit and actually GO and I have to get travelers cheques from AAA.

Passports

LiveJournal 10/14/2003

So this is a story of running-out-of-money-me. Didn’t expect that buying a passport required cash only, $172.30 whoosh kaboom. The man did say that it would be ready in 7-10 days and I have to get Scott his passport as well. I don’t have enough money left to do that and I don’t have enough money to buy anything else until 10/20/03, when I get paid. Once that happens then I’ll have enough money again and get scott his passport – and if we do it on 10/20/03, he should get it no later than 10 days past, 10/30/03. Lucky for us our trip doesn’t start until November 13th.

It’s the hidden costs that nibble you to death…

Paris Hotels

LiveJournal 10/10/2003

Found out to our chagrin that apparently Expedia.com has some of the best rates for all the travel search engines on the ‘net. We’ve nabed two potential “Paris Vacations” defined by their hotels.

Option One – The Best Western Aulivia Opera – $1,155.08

This is a three-star hotel close enough to the center of the city to please Scott and I, and cheap enough to not break the bank for our first Paris visit. On the map it’s around the Marais section and unless we find out that it’s infested or run by zombies is ‘good enough’.

Option Two – Jolly Hotel Lotti – $1,453.32

This is a four-star hotel that caters primarily to the Italian and Tourist crowd, while it has a REALLY good placement being just 800m from The Louvre it does give a little affront to being parsimonious about this whole trip. 

So – not knowing if anyone else has visited Paris and have any suggestions (please make them if you’ve got them), these are my two selections. Is it worth the extra $298.24 to get an extra star and not have to metro and/or walk from Marais to the center of the city – or is it too much?

New York moves toward gay marriage, while Michigan finds new and costly ways to stick it to the gays | MLive.com

New York moves toward gay marriage, while Michigan finds new and costly ways to stick it to the gays | MLive.com.

It’s almost as if forces are aligning to support my plan! When Western provided “DEI” support, which allows employees to cover one other person that they know with healthcare. When it was first offered I couldn’t help but laugh at it. What a way to go. To provide domestic partner benefits to homosexuals without saying you are doing so. I give this place extra credit on one hand and I laugh about the bullshit from the state on the other hand. That we need guerilla tactics to provide employees with equality, that really takes the cake. I didn’t opt to do it because the DEI package would have bankrupted me. I can’t afford the costs and the lower pay, I’m scrabbling by as it is, but I did appreciate what the University was doing, albeit underhanded and guerilla-fashion.

Now New York State is on the edge of approving Gay Marriage and Michigan is doing whatever it can to punish Universities that offer DEI either by outright persecution or, apparently in the most recent attack, attaching a 5% reduction in state aid to the Universities that dare offer equality protections like DEI. Here in Michigan it’s all being led by Representative David Agema from Grandville. He’s a republican, of course, and I have no idea where Grandville is nor do I care. In many ways I think of Rep. Agema of doing me a huge favor. I know my kind isn’t respected, wanted, or tolerated by the people of Michigan – I’ve made peace with that fact and life goes on.

Once I can afford a move, I will be going back to New York State. It is quite obvious that my time in Michigan is limited, people like me know when we aren’t wanted so all that matters is just getting out of debt, saving up, and making that move from a state that doesn’t care to one that does.