Hudson~Litchfield News 2-19-2010

Hudson - Litchfield News
12 - February 19, 2010
FairvienullResident Celebrates nullnullh nullrthdaynullA nullribute
heat
food/
clothing
Maintaining Your
by Doug Robinson
entertainment
nullnullcerpted nullom nullairnullew Nursing Home
savings
taxes
Piece of the Pie resident nullnnie nullranskynulls niecenull nullnna
shelter
nullanuller-nullmmersnull null
nullppy birthday, nullunt nullennienullyou are
The Value of Fringe Beneﬁts (Part 1)
1nullnull nulld nulllonulle younull
.FW .Boutin EA - Total Tax Solutions LLC
nullou hanulle been a part of my life forenullernullat
least, that is how nullfeelnull When nullwas a little
Many employers offer their employees a fringe beneﬁt package. These girl, you held me, you tendered me, and
packages can range from elective deferral plans such as 401K, Thrift
you taught me your nullaluesnull nullhose nullalues
Savings Plans, 403B tax sheltered annuity plans, or cafeteria/section
of lonulle, trust and, most importantly, familynull
125 plans that offer a menu of beneﬁts that can be purchased with
pre-tax dollars. Some employers offer beneﬁts which are completely
nullou taught me to be who nullam, and nullam so
paid for by the employer such as adoption assistance plans, dependent
thannullulnull
care assistance, educational assistance, to name a few, that are nullou will nenuller be able to read these
excludable within certain established limits, from the employee’s
words because you are blind, but nullpromise
earned income.
to read them to younull nulld you will nenuller be
When these beneﬁts are paid for from the taxpayer’s salary on a
pre-taxed basis, taxpayers are able to lower their gross income, AGI and
able to hear these words because you are
taxable income. In the majority of cases, this will save the taxpayer
deaf, so nullpromise to write some of these
considerable tax dollars. There are the exceptions for individuals within words in your handnull nullou will only nullearnull
a particular income bracket and ﬁling status that actually will lose tax
these words from the feel and touch of my
dollars from partaking in these beneﬁt plans. A seasoned tax profes-
hands spelling them in your right hand
sional should be able to explain if participation in these types of plans
is beneﬁcial with your particular circumstances. (Since such an
enullery Sunday afternoon when nullnullsit younull
b
y nullunullRobinson
explanation can be lengthy, an example of this situation can be seen at
nulld you will smile and laugh when nullwrite
our web site under Tax Seminars-Dependent Care Expenses- the words because you always donull nullhanulle
www.totaltxsolutions.com)
been writing into your hand, enullery Sunday nullotos
Elective deferral plans are savings plans geared for your retirement.
afternoon, for 12 yearsnull
and warming and snuggling Saranulls hands,
These deferrals are not subject to income tax until you receive
Nieces annullnephews surrounnullAunt nullennie
distributions from the plan at some future point in time. The intent is
nullpromise to nullsit and be with you enullery
as they present her with her birthnully cake
that you will be in a lower tax bracket at the time of retirement or at the
weenull and nullpromise to continue to write
same level. Many employers also offer a contribution match up to a into your hand of my lonulle and of my
nullring her nullnullh birthnully celebrationnull
certain percent of the employee’s salary, for those who participate in
commitment to younull nulld yes, you may get
nullop rownullnullina nullusi, Sara Stanullr,
such a plan. Let’s look at an example of how this all works.
confused with the spelling that nullwrite into
Debby nullansor, nullta Alconull nullttom rownullDonna
John, a single taxpayer, has gross income from wages of $82,000.
Stanullrnullommers, nullennie Pransky, Stenulle nullusinull
According to the tax tables he is in a 25% tax bracket. He has no other
the palm of your right hand, but nullpromise
income. After we deduct his standard deduction and personal exemp-
that nullwill continue to renullrite and renullrite
tion in 2009, his taxable income is $72,650, of which $38,700is still in and renullrite so that nullcommunicate my lonulle pulling them closer and closer, and then
the 25% tax bracket. His employer offers a 401K plan that allows him
to you, as only you nullow how dear that
nullally ending against your chestnull null you
to contribute up to 10% of his salary with an employer match of up to
truly isnull nullcommit to you that which you
hanulle done for me thousands of times, you
5%. John elects to contribute 10% of his salary or $8200. His employer
will match up to 5%, so he will receive the additional amount of $4100
hanulle committed to menull nullorenullernull nullppy
now continue with my child, placing her
tax free to work towards his retirement. This $12,300 only cost John
nullrthday, nullunt nullennienull nullou are 1nullnull
hands on your heartnullour soulnull nullour care
$6150.00 since if he had not deferred the $8200, he would be paying Now remember, nullunt nullennie, when null and lonulle for me continues to grow enullery
$2050in federal taxes on this income (25%). Ironically, John also had
place two nullgers into the palm of your
daynull feel itnull null has been 1null yearsnull
some education expenses to deduct. The phase out range for a single
hand, it will mean nullo,nulland when nullplace
hanulle only nullown you for a small portion of
person for this credit is between $80,000 and $90,000 in 2009. Before
he deferred some of his income, his AGI was the same as his wages
three nullgers into your hand, it will mean
that timenull nullam so blessed and thannullul for
$82,000, so part of his credit was not allowed. By contributing to his
esnullnull null nulld when nullshanull your hand, we
my null years with younull
401K, he has lowered his gross income and his AGI to $73,800. He will smile with glee because we will agreenull nullo soup today at lunch anymore,nullyou
will now be allowed full credit for his education expenses.
We will hanulle understandingnull We will be at
saynull null guess the nursing home has changed
As stated before, each individual situation is different based upon
onenull Oh, nullso lonulle you, nullunt nullennienull
its menunullnull nullhree nullgers for yes, two nullgers
other information on the income tax return. A change in one area of the
return can affect several other areas, so when making decisions, the
nulld nullnullow that your memory of times
for nonull nullara is nullery smart,null unt nullennie
nullen Aunt nullennie nullsits for holinullys annullspecial
total picture must be reviewed.
gone by is nullst thatnullimes gone bynull Does
speanull, while she continues to clutch onto
occasions, she will always say grace, enullressing
Next week: The 401K or IRA? it really matter that we do not discuss your my daughternulls handnull She will not let gonull
her thankfulness to the nullrnullfor her blessings, for
Have a tax question? E-mail taxquest@totaltxsolutions.com memory of World War null World War null, the
When nullunt nullennie speanull, her eyes remain
those she lonulles, annullfor those who lonulle hernull nullith
list of nullesidents who hanulle come and gone,
closed and head tilts, almost resting upon
hannull claspenullannullheanull bowenull the entire family
or the news of a single day gone bynull Nonull
Saranulls shouldernull nullunt nullennie always wants
celebrates the precious moment with Aunt nullennienull
nullcause when nullam with you, no one else
to be close to you when she speanullnull She
mattersnull null is only usnull
linulls to feel your hair, feel your face, and nullsited, nullunt nullennie reaches out, hugs, and
nullour memory is rich in the lonulle and the
feel your heartnull She does not need to open says hellonull nullunt nullennie cares for others
nullowledge of the presentnull nullour memory
her eyes to see into the soul and into the morenull
is rich in the fruits of your life, your linullng,
beauty of the life in front of hernull ounullnull re so pretty,nullremarnull nullunt nullennie to
and your legacynull nullnull null daughternull null
Oh Sara, my beautiful child, continue to Saranull nulltop spelling, hold my handnullou
husbandnull nullour husbandnull nullmories nullled
sit, learn, share, and enullerience that which are remarnullble,nullsays nullunt nullennienull nulld so
with a life of ginullngnull nullmories of a life
nullhanulle learned, shared, and enullerienced goes the afternoonnull
full of unending lonulle for othersnull nullou are
by my sitting with nullunt nullennie for decadesnull nullunt nullennie sips on her Dunnullnnull
my lifenull nullou ganulle me breath from your
Sara lonulles nullunt nullennie and she comes with Donuts coffeenull nulleeling for the narrow
teachings of lonulle, your teachings of life, and
me to hold nullunt nullennienulls hand, to let nullunt opening, nullunt nullennie raises the
your teachings of forginullenessnull
nullennie smell her hair and feel her face, and paper cup to her lips, and sipsnull nullou would
nullnullow you belienulle that the watch on
to be lonullednull With my eyes wide open, can null be rich on all the money you hanulle spent on
my wrist is too tightnull nullou tell me that enullery
see how nullunt nullennienulls lonulle will grow my my coffee,null unt nullennie says to her belonulled
weenull nullally, nullunt nullennie, my wrist is
childnull Nearly fourscore nullnullyearsnullseparate niece, Donnanull
not swollen from my watch, but for some
these two in years, but that does not matter null Shouting across the room, nullhear nullunt
reason, you do not belienulle thatnull nullpromise
nulles, nullunt nullennie lonulles my daughter, Saranull nullennie addressing me by saying, null told your
to get it nulled only because you asnulld menull
She lonulles me, toonull nullnullow thatnull nullfeel it daughter about your braceletnull null is too tight
nullou lonulle menull
in my heart, enullery day, enullery place, and around your wristnull nullour wrist is swollennullnull
nullnullow you nullow how cold it is outside
enullerywhere nullgonull nullr eyes do not hanulle to nulld so the day went, or so the day has
because you told my daughter, Sara, your
be open for me to nullow thatnull nullunt nullennie gone for enullery Sunday afternoon for the
grandniece, today that her hands feel linull
is with menull nulld nullam thannullulnull nullppy past 12 yearsnull nullre than nullnullSunday
A P
nulleathnullnull nulld with that, you wrapped both
nullrthday, nullunt nullennienullou are 1nullnull afternoonsnull
Op
en Y
ea
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ou
nd
la
c
L
e Wh
of y
8 THIN & T
our hands around her single hand,
nullunt nullennie has a roommate, but nullunt nullunt nullennie is lonullenull nulld lonulle is patient,
Mo
n - Fr
i
ea
rn
i
e
n
re
g i
s Fu
n
!
and then you pulled her hands into y
ALL filler (self promo)
our
nullennie does not nullow thatnull nullhe residence and lonulle is nullndnull nulld lonulle does not en, it null
6:
30am - 6
:00pm
cupped hands and pulled them closer to
where she linulles assigned her a roommate does not boast, and it is not proudnull null is not
you to warm them, as you hanulle done your
because she cannot hear, nor can she seenull rude, it is not selfnulleenullng, it is not easily
598-6310
entire lifenull null you pronullde warmth to my
nullhe people at the residence hanulle placed angered, and it nulleps no record of wrongsnull
dear daughternulls hands, you hanulle ginullen and
292 Derry Rd
nullunt nullennie in a room for two peoplenull nulld null e does not delight in enulll, but renullices
Hudson, NH
pronullded me with the enrichment of your
that is OKnull with the truthnull null always protects, always
lonullenull nullour unending arms surround me, to
nullunt nullennie is lonulled by all the nurses trusts, always hopes, and always persenulleresnull
Now Accepting Registrations!!
comfort me, and to nullep me warmnull nullou
because she lonulles the nurses morenull nulll the null e nenuller failsnull
warm my life with enullery breath you speanull
nurses stop by nullunt nullennienulls room and say nullppy nullrthday, nullunt nullennienull nullou are my
•Kindergarten nulllonulle you nullunt nullennienull nullppy nullrthdaynull
hello, hug nullunt nullennie, and then continue lonullenull nulllonulle younull nullou are 1nullnull
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and the Salem Community Patriot online
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