Some Not So Interesting Facts about Tax Time

 

In this world nothing can be said to be certain, except death and taxes.

Benjamin Franklin

ben franklin

 

Every year about this time we have to mentally prepare ourselves for tax season.  For some, a refund is in your future; for others, a chunk of change is doled out to the dreaded IRS.

tax checklist

This got me thinking, when did this yearly chore begin, and why?

 

So I went to IRS.gov and researched a little history about this annual affair.  Maybe with these tidbits of information, April 15th won’t be such a stressful event.

1862

A brief history

The roots of IRS go back to the Civil War when President Lincoln and Congress, in 1862, created the position of commissioner of Internal Revenue and enacted an income tax to pay war expenses. The income tax was repealed 10 years later. Congress revived the income tax in 1894, but the Supreme Court ruled it unconstitutional the following year.

16th amend

16th Amendment

In 1913, Wyoming ratified the 16th Amendment, providing the three-quarter majority of states necessary to amend the Constitution. The 16th Amendment gave Congress the authority to enact an income tax. That same year, the first Form 1040 appeared after Congress levied a 1 percent tax on net personal incomes above $3,000 with a 6 percent surtax on incomes of more than $500,000.

In 1918, during World War I, the top rate of the income tax rose to 77 percent to help finance the war effort. It dropped sharply in the post-war years, down to 24 percent in 1929, and rose again during the Depression. During World War II, Congress introduced payroll withholding and quarterly tax payments.

IRS

Today

The IRS Restructuring and Reform Act of 1998 prompted the most comprehensive reorganization and modernization of IRS in nearly half a century. The IRS reorganized itself to closely resemble the private sector model of organizing around customers with similar needs.

tax prep

Well, there you have it in a nutshell.  Income taxes are still a stress factor in our lives, but to be an upstanding citizen (and not go to jail) we must do our part to participate in this event.  And maybe this was interesting to the history buffs and Tax Preparers’ out there.

With Hugs and Hope

Diane

 

 

 

Advertisements

Earls Nilo-Making a Statement

 

We may have all come on different ships, but we’re in the same boat now.

Martin Luther King, Jr.

 

Can one man’s dream make a difference?

 

I choose not to watch the news-especially what is posted on Social Media.  Folks just have such a strong opinion one way or the other; and just because it is written-doesn’t make it true.

single 3

On my way to work today, I overheard a conversation with a young kid, in his twenties, I would assume – and an older gentleman.  Earls Nilo wanted to know the best  place to promote his sign, which said “Single”.  No, he wasn’t looking for a date.  He was making a statement.

As I listened, I started to understand what he was trying to do.

 

single 6

 

I Have a Dream

 

Martin Luther King Jr. (January 15, 1929 – April 4, 1968) was an American Baptist minister and activist who became the most visible spokesperson and leader in the civil rights movement from 1954 through 1968. He is best known for his role in the advancement of civil rights using the tactics of nonviolence and civil disobedience based on his Christian beliefs and inspired by the nonviolent activism of Mahatma Gandhi.

 

King became a civil rights activist early in his career. He led the 1955 Montgomery bus boycott and helped found the Southern Christian Leadership Conference (SCLC) in 1957, serving as its first president. With the SCLC, he led an unsuccessful 1962 struggle against segregation in Albany, Georgia, and helped organize the nonviolent 1963 protests in Birmingham, Alabama. He also helped to organize the 1963 March on Washington, where he delivered his famous “I Have a Dream” speech.

 

On October 14, 1964, King received the Nobel Peace Prize for combating racial inequality through nonviolent resistance. In 1965, he helped to organize the Selma to Montgomery marches, and the following year he and the SCLC took the movement north to Chicago to work on segregated housing. In the final years of his life, he expanded his focus to include opposition towards poverty and the Vietnam War, alienating many of his liberal allies with a 1967 speech titled “Beyond Vietnam”.

In 1968, King was planning a national occupation of Washington, D.C., to be called the Poor People’s Campaign, when he was assassinated by James Earl Ray on April 4 in Memphis, Tennessee.

 

single 4

Socialism in the US?

 

The history of socialism has its origins in the French Revolution of 1789 and the changes which it wrought, although it has precedents in earlier movements and ideas. The Communist Manifesto was written by Karl Marx and Friedrich Engels in 1848 just before the Revolutions of 1848 swept Europe, expressing what they termed “scientific socialism”. In the last third of the 19th century, Social Democratic parties arose in Europe, drawing mainly from Marxism. The Australian Labor Party was the world’s first elected socialist party when the party won the 1899 Queensland state election.

 

In the first half of the twentieth century, the Soviet Union and the Communist parties of the Third International around the world mainly came to represent socialism in terms of the Soviet model of economic development, the creation of centrally planned economies directed by a state that owns all the means of production, although other trends condemned what they saw as the lack of democracy. In the United Kingdom, Herbert Morrison said that “socialism is what the Labour government does” whereas Aneurin Bevan argued that socialism requires that the “main streams of economic activity are brought under public direction”, with an economic plan and workers’ democracy.  Some argued that capitalism had been abolished.  Socialist governments established the mixed economy with partial nationalisations and social welfare.

 

By 1968, the prolonged Vietnam War (1959–1975) gave rise to the New Left, socialists who tended to be critical of the Soviet Union and social democracy. Anarcho-syndicalists and some elements of the New Left and others favored decentralized collective ownership in the form of cooperatives or workers’ councils. At the turn of the 21st century in Latin America, Venezuelan President Hugo Chávez championed what he termed socialism of the 21st century, which included a policy of nationalisation of national assets such as oil, anti-imperialism and termed himself a Trotskyist supporting permanent revolution.

 

single6

A Slave to the Corporate Machine

Have we lost focus on what is important?

 

Television Programming- on any given day, I would bet that the average person knows more about the Kardashians than how many homeless people there are in America.

BTW, in 2017 it was 554,000.

single 5

 

People chasing the status quo-fancy cars, name brand purses, shoes, jewelry, make-up for ridiculous prices.  Credit card debt grows higher and higher.  American consumers are over 1 trillion dollars in debt.  The ever growing need to ‘have it all’; and now each and every one of us is stuck on the great hamster wheel of life, the vicious cycle of working for the machine, so we can pay off the machine.

When does it end?

It takes a village to make it work-what happened to love for humanity?

 

Maybe Earls is on to something here…..

With Hugs and Hope

Diane

This story is written from the eyes of Earls Nilo.

 

Information on Martin Luther King, Jr and the History of Socialism were acquired from Wikipedia.

Stats on homeless-motherjones.com

Consumer debt in America-nypost.com

Saving my Pennies

Never spend your money before you have earned it.

Thomas Jefferson

 

One of the greatest things about my blog is that I get to share stuff that I happen to come across, and as you know, I love to share!

my samples

Since I am living in my new environment, I am constantly finding ways to save a buck or two or even find freebies.

Especially free samples.

There are quite a few beauty and bath products that I haven’t purchased in a very long time-I use samples.  AND they are great for when I stay over at my bestie’s for the weekend.

penny heart

Here are just a few freebie sites I use

 

http://www.mysavings.com/free-samples

This one has everything from free audiobook downloads to Starbucks BOGO iced Macchiato’s.   The site has samples, coupons, freebies and deals.   It has lots of ads for other sites to check out for your other favorite deals and freebies.

 

Getitfree.us

Has tons of links for free stuff.  I got a cute elephant and turquoise good luck bracelet and I only needed to pay for shipping.  Or how about this unicorn coffee mug, to make each and every morning magical!

 

http://www.freeflys.com

This one has links to specific company websites and you can sign up and get your free stuff and discounts!

 

Beauty Products?

I just signed up for a free sample of Hydra Genius Liquid Care Moisturizer at

http://www.lorealparisusa.com

loreal

 

target.com/beautybox

It isn’t free, but you can get mini sizes of products for about $7.00.

target beauty box

 

And of course, Walmart has a beauty box and it is always a flat fee of $5.00.

You can check it out at walmart.com/beautybox.

walmart beauty box

 

 

 

 

There is always a birthday lurking around every corner, so I found this site:

 

www.heyitsfree.net/birthday-freebies

 

 

birthday cake Someone actually took the time to make a complete listing of every possible freebie you can think of for your special day.

 

 

There are many more.  And one thing that is so great about this is one website will lead you to another and pretty soon your mailbox will be celebrating freebie day on the regular!

mailbox

 

Now, I must warn you, will need to sign up for their emailing list- if you don’t have one already, it is very simple and FREE to have that Spam account to use for the bulk email lists.

 

If you have your favorite freebie sample website please share in the comments!

 

With Hugs and Hope

Diane

 

The Envelope System

 

 

I had really forgotten how to budget.  I haven’t had to do it in 7 years.  Not really. 

accounting

I have always prided myself in being the Spreadsheet Queen.  Every penny went on the budget.  You have to; otherwise it can slip away at the drop of a bad spending decision.  I have managed to get myself in quite the credit card pickle.

A good way to drown out a person’s true emotions.

sec 3

I have always managed to take a negative situation and learn from it.  So, when I got credit happy again and lost my job in 2008, I really had to look long and hard to make it.  When I did finally get a job ( I was at the end of my rope, of course) I made just enough to pay the bills and live on $40 a week.  With a teenage daughter in tow

 

 

So, here I am again.  My checking account is overdrawn and my work hours have been cut way back to one or two days in a pay period.  Not exactly survival money.  I know, I needed some time to get better, but this stubborn redhead can’t stay down for very long.   I think a good word to describe me would be tenacious.

laundry cute

 

I’m doing laundry in the tub and making Scooby snacks for the pooches with granola bars.  I am sure there might be too much sugar, but, you gotta do what you gotta do.

My wonderful son gave me some allowance, so I can purchase things I need.  It reminded me of re teaching oneself discipline with money.  The envelope system.

You take envelopes and divide up your cash for bills and necessities.  Mine are bus tickets, furbaby supplies, misc. and for a rainy day.

This works so well, it helps to actually see where your cash is going and helps to start thinking of ways to cut back on things you don’t really need.  The basics of budgeting.

wash

I finally stepped up to the Laundromat.  I used the suitcase with wheels and handle to take my favorite bus.   Makes it so much easier to maneuver; when I go grocery shopping next time, I am taking my bonnet with wheels.

 

Hugs and Hope

Diane

 

gmas spaghetti

A New Beginning

So many people live within unhappy circumstances and yet will not take the initiative to change their situation because they are conditioned to a life of security, conformity, and conservation, all of which may appear to give one peace of mind, but in reality, nothing is more damaging to the adventurous spirit.

Christopher McCandless

 

June; the perfect time to start a new chapter.  My son and I are finally getting a one bedroom apartment!   If we can ever get moved in-it’s been one hurdle after another; but you can’t stop this stubborn red head!

 

The universe always has her own timing, so it is very important we listen to her!

 

This past weekend we planned on moving, but our unit flooded!  We would’ve lost all of  the few things we do own, AND I decided to get very sick.

I spent a few days in the hospital with some stomach issues, which told me it’s time to take my health a little more seriously.   I guess level 50 is the magic number to start thinking about that sorta thing.  The good news is, now I am part of the medical system and I have more options for care.

New carpet, new eating habits and a new outlook, I am ready for my next chapter!

 

So, with all of that life stuff happening, it’s time for me to get back into my handy dandy budgeting skills I am so famous for in unknown circles and get to budgeting!

These are a few of my old school tricks and some new ones that I have picked up along my journey of surviving this world on a budget!

big things

Big Things

Word of mouth works great when gathering things from scratch.  I clean house for a dear friend, she has been so wonderful, and if only everyone had a fraction of her giving heart; this world would be a hundred times better than it is right now.  Not only has she shared her home with my son for the past year, she has a garage full of furniture just waiting for a new home and has generously given it to us for our fresh start.  If only I could return the gratitude to her to show her and her family how this fills my being.

cool shop

 

Little Things

Of course, now I have the perfect excuse, I mean reason, to hit the Goodwill shops!  Oh, how I miss my second hand shopping!  I can do so many magical things with my findings from Goodwill!  Curtains, throw pillows, baskets, odd pieces, whatever my whimsical heart desires!  I have a few blogs on this very topic, since it is one of my many favorites, but check this out for some ideas.

lady in bath

Saving money and the environment

Since I have to watch my budget and my health; I was trying to think of ways to do both.  Since paper towels can turn into a huge expense-what about using finger towels and linens for wiping and drying?  The dollar stores and secondhand stores have both for very cheap and I can reuse them!  I also found bleach tablets where the fabric dye is in the cleaning supplies at your favorite grocery store, so I can sanitize them during each wash cycle.  Not too shabby!  I can use the pretty baskets and dishes I found to display them nicely in my kitchen and bath to add some personal touch that blends with my décor.

pests

Pests

Living in an apartment can make it challenging to keep the infestations to a minimum, so I am going to have succulents that have natural repellent properties. I haven’t actually tried these yet, but there is lots of info in the great world wide web, Mother Nature Network has lots of great info.

pooches

 

Pooches

Since my furbabies have to share a yard with other critters, large and small; I will need to keep an area by the door with wipes and sprays to keep my babies from bringing in unwanted house guests.  This not only is healthier for me, but for them too.  I can use some hand towels to wipe them down so we all can be happy puppies!

 

Since we are also on the second floor, my poochieweenie doesn’t have a great attention span and a tiny bladder, so to remedy this, I can have an indoor potty yard just for her.  Keeps her off the carpet and instills the mindset of grass being the potty place for pooches.  You can find all kinds of grassy yards of all sizes and prices to fit your needs.  So far, I found that Amazon has the most variety.  I found one that is reusable that lasts for about 2 weeks depending on frequency of potty stops.

It is also very important for my babies to be current on their shots and flea maintenance.  There are always clinics to make sure this can be possible.  Check out humanesociety.org  to find out more.  And never skimp on your flea regimen.  For more info on my tips for caring for your fur ones check out my blog here

vintage shopping 2

Pantry

With so many convenient options nowadays in the grocery store and the cost of food items, staying healthy and budget friendly can be quite a challenge.  My cure for this problem is buying fresh fruits and veggies and dividing them up into meal size packages and following food guidelines for proper storing. Good Housekeeping has some very reputable tips.

I could keep on going on and on,  but I do tend to get long in sharing, so maybe another day.

I just got a phone call that the apartment is still being worked on, so just a few more days…….

 

When I do finally get to move in, I am kissing the floor and am going to have a good cry!

Thank you for reading and

Hugs and Hope!

 

Hellooooo World!

Hello Everyone!
My name is Kari and I loooove to save money! I don’t always have time to do the extreme couponing that I so desperately love to do but I do find ways to save money on a daily.
shop
Here are a couple of things you can do to save money on your everyday shopping that does not require you to purchase coupons or follow fads.
Its called apps. Many stores offer in-store discounts right on their app. No clipping or major planning. So, if there is a store you shop at often download their app & start saving.
cell phone
There are also rebate apps. Sometimes I want to save a bit more than the .50 – .75 cents the in store app will offer but I don’t want to spend time uploading receipts and all that jazz.
The savingstar app will automatically pick up your receipt from select retailers. So, all you have to do is load the deal to your app & shop at the select retailer, purchase the item(s) listed on the app & WALLA, 12-24 hours cash back! BOOM!
piggy
Well, I don’t want to overwhelm everyone with too much at once, just wanted to say hello & give ya’ll a couple of quick ways to start saving money today.
Thanks for having me Diane! And happy savings to you all!!
Sasy