Happy Valentine’s Day. . .

And a Happy Anniversary to my wife – we’ve been together for 23 years now!

I also owe an apology to the Biden Administration for my post about our taxes. My wife spent a good chunk of her free time this weekend going back over all of our tax paperwork, and found a small item that was listed wrong in the paperwork. It made a huge difference in our return – and it was the tax prep person who classed it wrong. We just got back from filing an amended return – and between Federal and State we’re getting a bit over $1200 BACK. Much more like normal.


Saturday Posts . . .

fyi – My wife found this post on Facebook, and forwarded it to me.  There is only one thing I might add to this – that Bernie’s 52% tax is ONLY the federal tax.  There is still the additional state, local, and sales taxes to be factored into the equation.  If Bernie has his way, anyone making less than $100k/yr will not only be taking a pay cut to fund his Universal Health Care initiative, but they will also qualify for welfare.  It is absolutely certain that anyone making minimum wage right now will be taking home less than they are now if Bernie gets his way.

More car repairs . . .

though, I should make note that this is not an emergency action.  When we had the starter replaced (and the oil leaks repaired) last week, the service station did an exam of the car while they had it, and found that the timing belt was worn and cracked.  Though not threatening an immediate failure, it was still likely to fail sometime in the next 6 months to a year.  That isn’t really surprising, on a car that is almost 19 years old.  So, we went and filed our taxes, and we’re applying the tax refund to getting the work done, using the credit card to cover the bill until the refund arrives.

Ironically, the car will now be more reliable than it was when we bought it.

“Tax-Deductible” fraud …

Every year, at about this time, we all start getting hit with a barrage of requests for donations. Most of these requests attempt to seem more appealing by using the phrase, “Please help with your largest possible TAX-DEDUCTIBLE contribution …”

They start the barrage now for the specific reason that they know people are looking for ways to minimize their tax liability for the year. Most tax deductions have to be made within the calendar year you are filing for to have any hope of making a difference for you.

I’m here to tell you that, in most cases, this is blatant and deliberate fruad. Oh, I’m not saying that the donations would not qualify for deduction from your taxes, but all of these requests are coming from people who know one basic truth. As a former professional in the Income Tax Prep business, I’m going to share that truth with you now.


If you routinely use the standard deduction, any money you donate to these non-profits is only going to help you by making you feel better about helping that cause.

John vs. Juan (Immigration)

You have two families: “John Legal” and “Juan Illegal”. Both families have two parents, two children, and live in Arizona ..

John Legal works in construction, has a Social Security Number and makes $25.00 per hour with taxes deducted.

Juan Illegal also works in construction, has NO Social Security Number, and gets paid $15.00 in cash “under the table”.

Ready? Now pay attention….

John Legal: $25.00 per hour x 40 hours = $1000.00 per week, or $52,000.00 per year. Now take 30% away for state and federal tax; John Legal now has $31,231.00.

Juan Illegal: $15.00 per hour x 40 hours = $600.00 per week, or $31,200 per year.Juan Illegal pays no taxes. Juan Illegal now has $31,200.00.

John Legal pays medical and dental insurance with limited coverage for his family at $600.00 per month, or $7,200.00 per year. John Legal now has $24,031.00.

Juan Illegal has full medical and dental coverage through the state and local clinics and emergency hospitals at a cost of $0.00 per year. Juan Illegal still has $31,200.00.

John Legal makes too much money and is not eligible for food stamps or welfare. John Legal pays $500.00 per month for food, or $6,000..00 per year. John Legal now has $18,031.00.

Juan Illegal has no documented income and is eligible for food stamps, WIC and welfare. Juan Illegal still has $31,200.00.

John Legal pays rent of $1,200.00 per month, or $14,400.00 per year. John Legal now has 9,631.00.

Juan Illegal receives a $500.00 per month Federal Rent Subsidy. Juan Illegal pays out that $500.00 per month, or $6,000.00 per year. Juan Illegal still has $ 31,200.00.

John Legal pays $200.00 per month, or $2,400.00 for car insurance. Some of that is uninsured motorist insurance. John Legal now has $7,231.00.

Juan Illegal says, “We don’t need no stinkin’ insurance!” and still has $31,200.00.

John Legal has to make his $7,231.00 stretch to pay utilities, gasoline, etc..

Juan Illegal has to make his $31,200.00 stretch to pay utilities, gasoline, and what he sends out of the country every month..

John Legal now works overtime on Saturdays or gets a part time job after work.

Juan Illegal has nights and weekends off to enjoy with his family.

John Legal’s and Juan Illegal’s children both attend the same elementary school. John Legal pays for his children’s lunches, while Juan Illegal’s children get a government sponsored lunch. Juan Illegal’s children have an after school ESL program. John Legal’s children go home.

Now, when they reach college age, John Legal’s kids may not get into a State School and may not qualify for scholarships, grants or other tuition help, even though John has been paying for state schools through his taxes, while Juan Illegal’s kids “go to the head of the class” because they are a minority.

John Legal and Juan Illegal both enjoy the same police and fire services, but John paid for them and Juan did not pay.

If you vote for or support any politician that supports illegal aliens… You are part of the problem! If you believe this to be wrong, and wish to do something about it, go to numbersusa.com on the web to make your voice heard today!

I’ve been giving this a lot of thought . . .

Taxes, illegal immigration, and our national policy on birth control.

Might those three things be connected in some way? If so, what can those three things possibly have in common?

I think they are connected, and the common element is – the US budget deficit.

Think about it. In the USofA, we currently spend about 18% of our Gross National Product on the maintenance of the Federal Government. Under current forecasts, however, due to commitments already in place, by the year 2040 we will be spending about 18% of the national GNP on Social Security and Medicare ALONE.

The elected officials in the US House and US Senate know this full well. There is no debate on the validity of those projections. The sad reality is, if something doesn’t change, by 2040 the US Government will not be able to finance it’s own operations on a day-to-day or year-by-year basis. There will be no money available for national security, the military, or even the salaries and benefits of the people elected to those offices.

There are a number of ways that things can change to make it easier for the operation of the government to survive. Most of them would require some form of drastic reduction of entitlement program benefits, focusing clearly on the two programs that are the biggest problems. If you drastically reduce the benefits available through Medicare and Social Security (to about 15% of current levels) then you must by default extend the viability of the US Government. However, that won’t happen while we have the Democrats in control (and probably won’t happen even if the Republicans get control back). Why?

Because elected officials LOVE entitlement programs. They can hold up a vote in favor of an entitlement program in front of their voters and say “See, I really care about YOU. I’m here to help YOU!” And people buy it because it looks good on the surface. Never mind that in the long run it makes our national bankruptcy so totally unavoidable that EVERYONE looses. After all, that was just the bad luck of the math related to the huge WW2 baby boom. Right?

So, what does all that have to do with taxes, illegal immigration, and birth control policies?

The main issue Washington cares about is maintaining a viable income. Taxes. Let’s not even get into the argument (for the moment) that the reality is income taxes don’t even come close to paying the bill of the interest on our accumulated national debt. That’s a whole different argument. Washington at least wants to LOOK like it’s being responsible with the money it takes from us. Deep in our hearts, we all know it isn’t really living up to that image.

If the real problem Washington sees is lack of taxes, then the question they need to answer is, “How do we increase the tax base?” Offer an amnesty to 12 million “undocumented workers” and hand them Social Security cards, and you get 12 million more TAXABLE citizens. Yes, it makes a difference – but it’s only mathematically a .04 percent difference in our already 300+ million people national population.

So, this is where birth control policies come into play. To be completely blunt, if Washington isn’t willing to severely reduce the benefits available to Social Security and Medicare recipients, then we need another baby boom. If they start it RIGHT NOW, then those children will be entering the work force around 2028, and paying taxes on (hopefully) full-time job earnings from 2028 until 2040 (12 years). It might be enough by itself to push the 2040 deadline back to 2070 or farther, by which time none of the current elected officials will still be living and it will be someone else’s problem.

Well, I’m no expert on national policy, economics, or anything else. This is just what looks logical to me, based on the issues currently at play. I’m not agreeing with it or saying I like it. I don’t like it. But, it does make sense if I’m trying to look at it from the view point of an elected official in Washington DC.