A trip to Queens to pay some tax bills.

As most of my readers know, my posts are usually two (or more) weeks behind when events happened. This allows me to preserve a degree of privacy when I travel, so that people would not ransack an empty apartment when I'm away.  Today, I'm writing about an event that emptied my wallet, and not my apartment....

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In the USA, our yearly income taxes are due on April 15th.  My income can vary from year to year, but it has two constant (for now) income sources: My pension from work, and my social security check.  With both of these checks coming in on time, I have the same after tax income I was living on for years before I retired for good. However, what can and will vary is the income I receive from renting out the family homestead, and any distributions I decide to take from my 401k (retirement savings).  

Unfortunately for me, America has a progressive tax system which hits the middle class worst of all.  The rich have their tax dodges such as the constructive use of insurance policies to avoid paying income taxes (I won't go into how this is done here.)  The poor pay little in income taxes, receive subsistence subsidies, and live lives of quiet desperation. This means that for me, I am stuck depending on others for several things such as the financials from the family homestead.  More importantly, due to our progressive tax system, I am stuck having to estimate how much taxes I will need to pay for the year, and then pay them in advance.  AARGH!  

Today was the day I had to go to my tax lady and send off taxes owed for 2024, and to pay an installment on 2025's estimated taxes.  Ouch!  At least, I had RQS with me, as she had to pay her 2024 taxes as well.  So we left my place at noon, and arrived at the tax lady at 1:15 or so.  By 1:45, we were out of the place and heading towards RQS's place.

We arrived at RQS's place around 2:30 or so, and both of us wanted to take a nap.  I couldn't afford that luxury, as I wanted to make it home before the worst of rush hour began. So around 3 pm, I started my drive home and hit the one traffic jam I expected, and avoided several more.  It was hard to believe that I was home before 4:30, but I was.  And I finally got the chance to take that nap.

I received an unexpected package today

 

The other day, I received notice from USPS Informed Delivery that I should expect a package that originated from New Rochelle, NY.  Who could be sending a package?  What was in the package?  Why was this package being sent?  So many questions, and absolutely no clues.

When the package arrived, I saw my name listed as Marian, and not as Mario.  So, it had to be from someone who knows me as Marian.  But the package was in one of these USPS Priority Mail envelopes, so I had little information available to me.  So, I opened the envelope and found some paperwork for my 2023 taxes.  Now I had my answer - Fran (the TG accountant who bailed on preparing my taxes due to health issues) was cleaning out her files, and sent me what I once gave her instead of shredding the paperwork. What could this mean?  Was Fran giving up on having me as a client, given last year's issues?  Who knows?  But I had no plans to work with Fran this year, as I didn't like how she handled RQS's taxes last year.   

RQS has already had her taxes done by the same lady who prepared my taxes last year.  As soon as my brother has prepared the financials for our property, I'll be making an appointment with this woman and driving to Queens to get my taxes done.  Unfortunately, this will likely force me to spend 2 days as Mario, as I don't want to introduce Marian so someone who has to deal with me as Mario.  This is the most frustrating part of being both Marian and Mario on a part time basis.

By the time you read this....

 

By the time you read this, several things will have happened:

1. My taxes will be in the process of being prepared.
2. I will be in possession of my new car.
3. DCD will have started his process of getting the car registered in his own name.
4. I will have given RQS her birthday present.
5. My luggage will be opened, and packing will start for my California Cruise.

Of course, a lot of things will have happened in between then and now.  And you'll be able to read about them over the next few days.

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When I told my brother about my tax situation, I realized how much my brother wants to isolate my financial life from his.  I should mention that he wouldn't give me a recommendation for an accountant if I needed one this year, but would only help me file estimated taxes to buy a little time for me.  My guess is that if an acquaintance of his sees my returns, then they will have an idea of what a slice of my brother's life looks like.

Cleaning out my old car has helped me find things I had misplaced over the years.  One of these things was a canvas bag that I thought was in RQS's place.  Surprise!  It was in my car's trunk.  There was way too much stuff back there, and I'm glad that I am finally emptying it out.  (Guess what I'll be doing on Monday!)

Now that I have the information needed to get my new car on the road, I can give DCD the information he needs to start his process.  Hopefully, I'll have the old car out of my driveway soon.  If not, I know of at least one charity that takes donated cars.

Even though a bought theater tickets for RQS's birthday, I ordered a little something from Amazon for her to open up on the birthday itself.  Hopefully, she will like it.

And lastly, packing....   This will be a trip where I will spend one day as Mario and the rest as Marian. (I must visit my uncle while presenting as Mario.)  It's going to be nice to wear some warmer weather clothes for a change.  (I haven't worn a dress in California in ages, except while in transit to/from Hawaii.)  Since it will be Spring when I arrive, I have to bring sweaters (and a windbreaker) - especially for my time in San Francisco.  RQS's cousin knows I am trans, so it will be nice NOT to have to change into a pair of trousers when in San Diego....

The trouble with taxes

This morning, I didn't need my alarm clock to awaken me.  Yet, I know I'll be exhausted by both the end of the day and by the end of the weekend.  And all of this is because of taxes....

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As I've mentioned before, I have had to find a new tax preparer because my old one retired.  I thought I had been lucky to know someone in the Trans community who could do this work. But her health problems got in the way, and she had to bail on doing my taxes.  This left me with 3 weeks to get my taxes done and no one to do them.

The first thing I did was to make an emergency call to my former tax person, and I got the name of a new person.  This was the person who took over some of her old business, and is located in the old office space.  YAY!!!  Even better, this person is hungry and wants new business.  So, I'll end up picking RQS up at the station and driving down to my Trans friend to pick up my paperwork.  And then, I'll deliver this packet to my new tax person in Queens and hope for the best.

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This will be a half and half weekend for me.  At least, I'll be able to take RQS out to the movies and relax for a little while....

 

 

PS: We picked up the tax paperwork from my Trans friend on Friday, then delivered it to my new tax person on Saturday.  Although it rained like cats and dogs, I made it safely to Queens, where the new tax person is located.  And then, after an hour of waiting (we were in line to meet with this new lady), we had a pleasant conversation and a good idea of what the tax preparation would cost and when it would be done. It's a nice feeling to know that this headache is going away, and that I'll be able to focus on good things again.
 

Give some things time, and they start to sort themselves out.

 

Well - After a night of worrying, things are sorting themselves out.  My brother found the paperwork I needed, and my new accountant said that all she needed now was a copy of my 2022 tax returns.  So, I got that in order, and sent off the down payment (1/3 of predicted tax prep charges) to the accountant.

In my life, I have learned that when I'm worried, that I have to go to sleep and let my subconscious sort things out.  When I couldn't do so, such as when XGFJ and I broke up, my mind kept running in circles because the pandemic would soon get in the way of activities needed for distraction.  Four years later, I think of her now and then, but not in a pining over type of way.  Instead, she's just a milestone in life, an experience I had to go through before I was ready for RQS.

Life has a nasty habit of throwing me curve balls, and even my relationship with RQS is like an off speed pitch.  There is nothing wrong with it.  But it is something that you have to be ready for in order to get the most from it.  There are words I don't say and phrases I don't use out of respect for her.  (It's not that I'd use them often.  I'm just a little more careful because it would hurt me to hurt her feelings needlessly.)  And I'll bet that she goes the extra mile to try to keep me feeling good.

Years ago, XGFJ said that one of the reasons for our breakup (other than me being TG) was that I didn't show her enough affection, and say the little nothings she needed to hear.  I learned from that and try to make sure that RQS knows I care about her in both words and touch whenever possible.  Yes, holding hands while walking is still difficult, as the differences in our heights causes our arms to want to swing at different paces.  But we still try to do this.

Too bad that we don't teach our kids to rest on things a bit before tackling things that might be a little overwhelming.  Maybe we'd accomplish more if we took the time to think before deciding to act....

Doing business with a new Tax Person.

 

I'm frustrated over a series of events.  For the past 40 years, I have been using the same tax preparer.  This winter, she announced her retirement.  And now, I had to hustle to find someone new.  So, I ended up reaching out to a transgender CPA I know, and was awakened to a hard fact - I've had it very easy over the past few years. Without mentioning this CPA's name, I know that she follows all the rules.  And that's a good thing for me.  I don't intend to break the law just to save a few pennies.  Privately, I will give this person's name out and make a recommendation - as I did for RQS.

Most of the information this new tax person is requesting is something my brother and I should have at hand.  Given that my brother is the financial expert in the family, I always took what he gave me and handed it to my old tax person.  Now, I have to provide more information, and have my brother explain what's going on.  I'm not looking forward to a conflict that will force me to look for a new person at the last minute.

This weekend, I had a chat with RQS and explained why I want to dissolve this tie that binds me to my brother.  I depend on him too much, and the extra complexity that owning an income producing property provides is not worth it.  Hopefully, my brother will soon feel the same way about the old family homestead.

Getting ready for tax day

 

It's been a little frustrating having to wait for my brother to finish up paperwork needed for me to file my taxes.  This will be a yearly problem as long as we jointly own a rental property.  But this year is different, as I have had to search for a new tax preparer.  And I decided to duck one issue by choosing someone I knew from my work at the LGBT center, as I felt I needed some form of familiarity with someone new.  With familiarity, I can more easily communicate my concerns about my newly complex tax situation, and ask how I can prevent problems in the future.

Taxes in the US are needlessly complicated, as most tax preparation forms depend on complexity to justify their existence.  There is n excuse for this, as most Americans have all of their significant income reported to the IRS.  Ideally, the government could receive a taxpayer's income statements, deductible state/local tax information, and generate a bill/refund for the taxpayer.  (Let's ignore privacy issues here for now.  I'm just arguing for simplicity.)  In theory, the vast majority of us wouldn't need to pay for tax preparation services, as the same computers that are programmed to detect tax fraud would also be doing tax preparation for us.  

Unfortunately, I would still be likely to need a tax preparer, as long as I own part of a rental property.  But how many Americans own one?  Business owners would still need their accountants, as they would always need to track money flows within a corporation, determine the net profitability (or lack of) of the corporation, and insure that properly computed taxes are paid to all affected governments.  

With all of this being said, I am grateful to have my problems instead of others.  I know how to manage my problems, as they are "first world problems."  It could be much worse.  All too many of us do not have the resources to get by in one of the most prosperous nations on this planet.  Getting rid of the inefficiencies of our system may just provide some of these people a small bit of relief.