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Hudson - Litchfield News March 18, 2011 - 19

Real Estate


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Jessica Rau Earns Honors Scholarships from Ohio Wesleyan University


submitted by Ohio Wesleyan University Jessica Rau of Litchfield has earned two academic scholarships from Ohio Wesleyan University and been accepted into the university’s honors program after participating in Ohio Wesleyan’s Schubert Honors Scholarships competition. Rau is a senior at Campbell High School. High school seniors were invited to compete in Ohio Wesleyan’s annual Schubert competition this winter based on their outstanding academic performance, extracurricular involvement, and potential for success in college studies at the university. Rau was awarded both a Schubert Honors Scholarship and an Ohio Wesleyan Founder’s Scholarship based on the rigorous competition. “Ohio Wesleyan’s Schubert Honors Scholars are exemplary

students,” said Lee Harrell, assistant vice president of admission and financial aid. “Their impressive personal, academic, and talent- based achievements distinguish them as individuals with exceptional potential for success here. OWU provides many opportunities for them to receive ‘theory-to-practice’ experiences, as well as off- campus study and community-service learning.” All recipients of the Schubert Scholarships also have been accepted into Ohio Wesleyan’s prestigious Leland F. and Helen Schubert Honors Program. Ohio Wesleyan honors students are eligible for possible induction into the Phi Beta Kappa academic honor society. Only 8 percent of America’s most distinguished colleges and universities have Phi Beta Kappa chapters.

Chess Class Overflows with Players

Te boy in the snazzy plaid Webelos Scout hat is Paul and he’s moving his knight, while to his right Oliver is planning his next move. Further down the table, Riley and Sarah are having a great time at the chess class

Area News Group AREA21

by Ben Dibble Who says that kids only play video games these days? Not the parents of 36 boys and girls who attended the Beginner’s Chess class held on Saturday, March 12. The organizers expected around 20 children, so the 36 that came had them scrambling for chairs, tables, and chess sets. Many of the boys were from the local Cub Scout Packs and a few of the girls had on their uniform sashes, showing their pride in their groups. Chess aficionado Glenn Davison taught the class. Glenn kept the children’s attention with stories about famous chess players like Kasparov and the fact that chess is the single most played game in the entire world. Not surprisingly, and proving this fact, is that there are over 6,000 chess sets on eBay every day. Boys from all three Cub Scout Packs attended the event: Packs 21, 20, and 252 were all represented. Each of the Packs is centered in one of our area schools, such as Pack 20 at Nottingham West, Pack 21 at Hills Garrison, and Pack 252 at St. Kathryn’s Church. If you want your son to learn chess, make kites, or do any of the fun and exciting things that Cub Scouts do, go to And if you are interested in Girl Scouts, go to Keep your eyes open for other events sponsored by the Hudson Cub Scouts.

Statement on Castle Doctrine and Constitutional Carry House Speaker William O’Brien (R-Mont Vernon) has released the

following statement regarding the passage of HB 210 and HB 330. HB 210 passed by roll call vote 270 to 92. HB 330 passed, with amendment, 244 to 109.

“While we do not think deadly force should be used lightly, we believe New Hampshire citizens have the right to defend themselves when they are threatened. The Castle Doctrine, HB 210, defends that right removing the undue burden on a citizen having to make a split-second decision in a possible life-threatening situation,” said House Speaker O’Brien.

HB 330, known as the Constitutional Carry bill, permits most people to carry a firearm, both open or concealed and loaded or unloaded. It complies with Art. 2-a, Part I of the New Hampshire constitution, protecting a person’s right to keep and bear arms, while also recognizing law enforcement’s requests to prohibit certain persons from obtaining a license. The bill does not override other laws that ban weapons from public schools, restrict who may possess a

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weapon, or govern hunting. “I am a strong advocate for the state and federal constitutional right to own and carry firearms, including the constitutional right to carry. This bill is simply an affirmation of the natural rights of citizens under the Second Amendment,” said O’Brien.

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The Value of Fringe Benefits (Part 2) W.F.Boutin EA - Total Tax Solutions LLC

Two weeks ago, we discussed the advantage of deferred compen- sation plans such as the 401K; how it affects the tax return as well as the tax saving benefits of this investment. This week, we will discuss the most popular menu selection found under most employers’ cafeteria/section 125 plans, accident and health insurance. Many taxpayers have the opportunity to receive their health

insurance plans through the workplace. Usually these plans are less expensive because of the large pool of employees covered under a single contract. Some employers also pay part of these premiums, making it more attractive to the employee. In today’s economy, we all know that medical coverage does not come cheap, with premi- ums steadily on the rise every new calendar year. However most taxpayers do take this benefit for granted and really do not realize the tax savings they are receiving through such plans. Let’s compare the out of pocket costs for a person who gets their insurance through the workplace as opposed to an individual who must purchase a plan on their own. Both individuals pay $5000 a year for premiums and both are in the 15% tax bracket. The taxpayer receiving this benefit through the workplace most probably is receiving better coverage for their dollar and their cost “out of pocket” is exactly $5000 for this plan. Their AGI and taxable income is also affected by this pre-tax benefit, possibly allowing them to capitalize on other tax deductions/credits on their income tax return. The taxpayer who has purchased this coverage on their own with after tax money must earn approximately $6123 to “take home” the $5000 to pay these premiums. The difference is the cost of federal, Social Security/Medicare tax on the income. (Additional savings occur if the taxpayer is paying state taxes as well on their earned income.) If they itemize they will be able to list these premiums as medical expenses since they are paid with after tax money, but this deduction is subject to 7.5% of their AGI before the first dollar is deductible. Even with insurance coverage, most individuals have additional “out-of-pocket” medical expenses. They may be in the form of co-pays per doctor visit or prescriptions, or payment for non covered expenses like vision wear. If a taxpayer itemizes, these items are deductible on the SCH A, but once again, subject to the 7.5% of the AGI. Many who itemize do not benefit from these out-of-pocket costs. Some employers include within their accident and health plans, a

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savings account that can be set aside from the employee’s pay on a pre-tax basis to cover these types of out-of-pocket expenses. (NOTE: These plans no longer allow for reimbursement for some over the counter drugs starting in 2011). In many cases, this type of plan is beneficial to all taxpayers, but there is a slight catch. Usually the dollar amounts that are set aside for these costs are lost at the end of the calendar year, if not disbursed. Therefore, special planning is required to not set aside more than you will utilize. Contributions to such a plan realize a tax savings the same as medical insurance, that is, no Social Security/Medicare or federal taxes are withheld on these accounts, once again lowering your AGI and taxable income on the return. Next week: Dependent Care Expenses!

Have a tax question? E-mail About Total Tax Solutions: W.F. Boutin EA registered Total Tax Solutions in the State of NH as a LLC in the summer of 2006 after 10 years experience working for a major tax preparation company and 8 years of teaching various tax courses. The company mission is to deliver an excellent customer service experience year around, to offer knowl- edgeable advice so that clients can make informed decisions regarding their financial future, and to provide this service with integrity, confidence and professionalism.









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