WORKING ON PAPEWORK EARLY TO SAVE MONEY ON REAL ESTATE TAXES - OOPS A WEEK LATE

My apologies - this post was written for and I thought I posted it on September 16.  While posting my September 23 post, I found this was still marked as draft -

  I am working on paperwork for a real estate credit that husband and I are entitled since we are over 65 and have an income on the low side.  This paperwork has to be filled in and filed annually.  Last year's filing ran something like 125 pages.  This is due to change they made last year.  We have to provide proof of all our business income and expenses.  The paperwork was crazy before this requirement, but with it….

At least this year I knew these extra records would be needed, so before I put away our financial records from 2019 I pulled out and scanned the needed paperwork into the computer – or at least I thought I did all of it.  I even made sure that the expenses for our two extremely small businesses added up to the tax return numbers which came from my computer software.  

The form to fill in and mail (or drop off) with the papers needed came and I started, slowly putting it all together.  I have combined various sections of what is needed with cover pages for each in my computer as pdf files.  It should not be hard, I had already scanned in the papers – right?  

General proof of income – 1099s and such, no problem.  Medical expenses (we can subtract this from our income in the calculation)  I had most of them ready – we have to have printouts, they do not accept paid bills or copies of checks that paid them as proof.  I had contacted and have this printouts from our medical insurance companies which is most of the expense.  In normal years we go into our pharmacy and they hand us printouts and we also bought eyeglasses last year and had planned to do same with the optician.  But this is not a normal year.  The optician is mailing the copies of our records, I still have to telephone our pharmacy about same.  

I had moved on to putting together the information from our businesses.  I thought I had it all – I had scanned them into the computer and just needed to finish assembling them.  But, neither business' receipts match the computer records of what they should be.  They are small amounts, but this process is so crazy – they may disallow the $1.90 here or the $20 there.  Hopefully if they do it will not affect the exemption amount by much.

Imagine having to put together all the expenses just from your car and having to make copies of all of them.  In this case I have to also give a breakdown of how much is from miles driven for husband's business and how many much for miles driven for mine and apportion the cost of each expense (which was already done for our income taxes).  How many small credit card receipts for gas do you end up with in a year?

While the cut off date to file this form and supporting paperwork is January 2, 2021, I don't like to wait until the last minute to deal with it.  Last year when we needed to go and bring in the paperwork to the county offices was when husband needed to get teeth added to his upper denture (also includeable as a medical expense for IRS and for this) and we ended up having the impression of his teeth taken and then driving to the county office – where he would have had to wait in the car anyway (no place to park), but in this case did not want to go in within without his teeth also.  So, since we are stuck in the house due to the corona virus pandemic anyway, I have been working on putting all this together and filing in the forms since August.  

We were discussing how we file the paperwork.  We used to mail to the county by certified mail.  In 2018 we mailed in the 2017 information for the 2019 taxes  (yes, it is terribly confusing) by mail as usual.  Then we received a month or so later a robo phone call from the county executive that we had not filed the papers!  I tried calling the office  - but the answering machine basically said “we are too busy to talk to you, don't bother us”  When I called again later in the day added to that message was “and don't try to come in here as there is no parking”.  This last part being true and has been decades, which was why husband dropped me off and waited in the car.   In a panic we reprinted and assembled everything to bring it to them.  In the interim a story on the news was that they were suppose to send the call to a few people who had filed in the past and had not yet filed, but they sent to every property owner in the county.  Unsure of if we were in the group whose paperwork had not been received, we drove to the office and I waited in their waiting room.  Luckily by the time we went there a couple of days after the call – the lines were no longer 5 hours long as they were the day after the mistaken calls.  They did have our paperwork.  

Last year we decided we go there (as we did) and turn in the paperwork in person and receive a receipt from them for it and did so.  We planned to continue to do so.  But we are now trying to decide since we are not going out due to Covid 19 – do we venture into the post office (that we don't go to, even overnight) to pick up our mail or do we go to the county office where I will wait my turn for what might be hours – but we will know for sure that they have our paperwork?  (Yes, the difference in what we pay in property taxes, especially the school taxes, with and without the exemption is enough to make it worthwhile.)  

Hopefully I will soon be done with the paperwork and we can decide which we will do and when.  I am guessing the early in the season for this, the fewer people who will be waiting, so I will try to finish as quickly as I can.  I did send an email to the head of the department and asked if they will have drive-up windows for this as they did for people to come in and pay the property taxes.  I don't figure they will or even that I will get an answer.

THOUGHT OF THE WEEK -

Use the time you are stuck in the house to get work done.  I have been catching up all sorts of paperwork and household chores that I have put off, well, for years since I am home.  Our shower soon might be even clean enough to actually not worry about getting dirtier when one takes one.  :-)

My thoughts and prayers both to those in the United States west where there are terrible fires and those in the southeast who have been going through yet another major hurricane this week.

COVID 19 #23 TAKING TIME OFF - IT'S A WALK IN THE PARK

 Husband does not like being in the house all time and has been getting very antsy about it.  He saw a post online of friends (a married couple that we went to college with) walking in a local park.  It started him thinking.  

He decided that if went for a walk in a park in the afternoon (we don't do mornings, especially now) during the week while children are in school and people are ate work, there would not be a big crowd of people at the park.  

He at first talked about the park our friends had been in, then decided he wanted to go a nearby park that he went to as a teenager and in his 20s to fish – not that he planned to fish.  I have been to this park with him before and as it was so important to him we would go.  We took our masks and my bug band (I get bitten by bugs when I go out and this was a park) and set off.  

There were a number of people at the park – it is also sort of a boat marina – but not overcrowded.  The sky was very overcast which might have cut back on the number of people out that day.  We spent about an hour there walking around and it made him rather happy to be out and about.

We watched boats out on the water.  Some people were fishing off the pier – when he would fish here, he would fish off the beach – that is not longer allowed.  We walked the path through the park.  There were benches along the path (not that we would sit on one right now) and as we walked I noticed that they had small plaques on them – not large ones – the sort that makes me think the town “sold” the benches – meaning these plaques placed on them – as a fund raiser for the park.  We read a couple of them as walked along, on our way back we stopped read most of them.  A lot of them were placed there by people who must come and sit there and sit there often or in memory of someone who did so from what was written on them.  One of them had an Irish flag taped to it.  

There is a fitness trail along the path and we looked at the various things to do for it along the way.  Even if we might otherwise be tempted to try some of the exercises suggested, we were too concerned about Covid-19 to touch any of it.  One of the things to do involved two high parallel bars – not sure if to hang from and chin up or hang from and walk across with one's hands – but it would be impossible for either us to do either as there was no way, even with jumping up, either of us could reach the bars.  

There was a paved spot in the park and husband was curious what it was.  I looked and noticed a small hilly area adjacent to it and commented that it must be an amphitheater – not remembering one from when he was there before, he was not sure so we went there and he agreed that it must be one.  

People there mostly had masks had on and had them on properly covering their nose and mouth.  They also mostly kept their 6 feet distance – other than mom's with children in carriages who would walk next to each other and take up the entire width of the path with no way to pass them when one was behind them or when was one was approaching them from the front.  We ended up walking onto the grass to pass a few of these pairs.  

It was a nice quiet day out.  He feels he needs to get out and walk more – so tomorrow we are going to the park our friends went to and take a walk there.

THOUGHT OF THE WEEK -
Well, as much as I like to stay in, I guess we do need to get out and have some exercise.

Have others been getting out for exercise also?  What have you been doing?

COVID 19 #22 STORING AND LISTING FOOD SO YOU CAN FIND IT IN THE FREEZER

 Last week I told you about our food shopping trip.  One thing I have to do at some point not too long after we go food shopping is write up new lists of what we have in the freezers so we use it all up and don't let anything go to waste by lack of memory.  

Everything that had to be was pushed into a freezer when we got home – other than a few items that were not frozen and could stay for a bit in the refrigerator, but needed to be frozen for longer time storage – such as fresh meat that will not be eaten for awhile.  I was not able when we got home to put a number of things in the freezer that makes more sense – meaning I try to keep packages that we pull out the items one or two at time in the upstairs freezer in the refrigerator – such as a package of hamburgers – so I have to run downstairs when we have same and pull out one burger for each of us – or just one for husband if I am eating something else.

Last Friday night I boiled the chicken we had bought.  Half of it was to be used for a Brunswick stew for Sunday night and the other half to be frozen for later use either in another of same or some other dish.  Since it takes quite awhile to cook the stew and the chicken meat has to cool down between being being cooked and being pulled off the bones for the stew, I often boil the chicken in advance so this is not unusual.  My plan was to make the actual stew Sunday afternoon.  I have to keep an eye on the stew while it is cooking so I also planned to do several chores downstairs at the same time so I would be nearby to check the stew and give it a stir every now and then.  

One of the things I planned to so was make new lists of what is in the freezers and see if I could switch anything around between the two so items I need to have in the kitchen are there and not down in the basement.  

I had cut a sheet of paper into 4 list shaped pieces across the width.  I used unused paper for this so there was nothing on the back of the lists to dirty the refrigerator door.  (I normally reuse paper that has been printed on and was an error, was something some website printed multiple pages when I only needed one part, and so forth- the back of the pages and often part of the front have no printing and it makes great scrap paper – full sheets or cut up.)

First I went to the basement to make a list for down there and see if I could juggle anything around to move some larger items (like second container of ice cream) to the basement freezer to have room in the upstairs freezer for the items I would prefer to keep up there for convenience.  This was not to be. I brought 2 pieces of the paper cut to make lists and a pencil – and a large towel that we have using to cover the kitchen table when we bring in new food items to let the alcohol they were rubbed with to kill any Covid 19 on the items.  I had to take things out of the freezer downstairs shelf by shelf to see what was there – there are 3 shelves and I put this on the floor so the food is not sitting on the floor itself.  I mark one list basement (or B) and “meat” on its top.  The second one is also marked on top for the basement and as “other”.  Technically not everything on the “meat” list is meat – it actually means main dish type item.  The “other” list is vegetables, bread, and so on that is not a main dish.  I rearranged the freezer so things fit it into better and listed the items on the papers.  

We have been buying what I call “frozen box meals” - by this I mean those meals intended for a family that are popped into the oven, cook an hour or so and are a main course and often also the vegetables and starch are mixed into the entree – examples of this is a prepared lasagna, turkey bake, and things such as small meatloaves or Salisbury steaks – these latter two need to have the side dishes cooked separately for them. We buy 2 each of a few kinds of each and have them Friday and Sunday nights when we used to go out for dinner in the normal days before the corona virus.  I stacked them so that the same dishes were together with the older ones on top of the newer ones so that when I take one – it is the older one.  

We have a few items which take up more room than they should for what they are.  Back in May husband ordered a 5 pound bag of frozen corn and a bag about the same size of french fries from BJs when we ordered from them.  I am maybe halfway through the bag of corn and it takes up a lot of room.  I just finally opened the bag of french fries – we also had 2 normal sized bags of french fries that we had to use up first before opening this one.  Add to that husband bought a bag of meatballs when we went to Walmart back in May and it was almost the size – and he does not like them.  So after one dinner from them, they were sitting in the freezer taking up space – possibly to do so long after the pandemic ends – so I decided I would eat them for dinner when he has something I do not particularly like.  Unfortunately one of the reasons he does not like them is that they have too much garlic.  So when I have them I have to go upstairs and rinse out my mouth with mouth wash after wards.  They are small meatballs and 6 are suppose to be a serving.  It will take at least a month and a half or longer to finish the bag, so last week I upped the serving size to 8 meatballs – every 3 weeks is one week less I will be eating them and one week faster that I get the space from them back in the freezer.  When these 3 items are finished and gone from the freezer and a normal bag of french fries and a normal size bag of corn are there instead the freezer will hold a lot more things.

As I am removing all these things from the freezer and rearranging them – periodically I run upstairs to check and stir the stew.

I then went upstairs and started on the freezer in the refrigerator.  I took out most of the items on the bottom shelf and put them on the kitchen table.  These 2 lists were the labeled the same way as downstairs except they were labeled as “upstairs” instead of “basement”.  I rearranged the items in this freezer as I listed them and then put them back.  Up here are things like leftover gravies and cranberry sauce. (Did you know can freeze these things?  We only use half a can of gravy and I froze ¾ of the can of cranberry sauce in ¼ of the can size in small plastic containers (pudding sized) when I opened the can and we had the first ¼ can with sliced (deli type) turkey.  Also on this shelf is frozen bread (none yet from this purchase) and frozen hot dog and hamburger rolls so they last longer as we are shopping much less often than normal.  I then took out the items on the top shelf and did the same.  Our top shelf is a lot taller than our bottom one and I had bought a good sized plastic “basket” that I put small items into to keep them together and also stand up bags in so it is easier to see them and I can take out the entire “basket” to check what it is in it.  I have frozen eggs in this basket, as well as frozen meats in portions to use.  Husband had ordered from BJs back in May 3 boxes of eggs (3 pounds) but they did not have them and he accepted a 5 pound restaurant pack of eggs instead.  We don't eat eggs early (or breakfast) and needed them to cook things.  We had worked our way through one of the two layers when the good by date came up and we froze the rest.  To freeze an egg one has to crack it open and mix the yolk and white so that the yolk is not intact.  (If left in the shell or the yolk intact they will expand too much and break the shell and/or the yolk.)  In the old days when I did this with maybe four or five eggs I would put them in plastic, lidded pudding cups – but I did not have dozens of cups.  I put a plastic sandwich in each of 5 cups at a time and put in some cups one egg and others two eggs – if we do eat eggs – a bag of 2 is used for each, if we need 3 (say for a cake mix) take a bag of two and a bag of one or 1 for something we take – we take a bag of one egg.  I have the 2 eggs in one plastic zip bag and the 1 eggs in another.  I list of all of the items up here the same way – main dishes on the
“upstairs meat” list and the rest on the “upstairs other” list.  To make dealing with and finding the frozen vegetables easier – when I open a bag of same I put the contents in a labeled quart zip bag which is labeled with the vegetable name and the date it is good until.  I reuse these bags when I use up the contents and change the good until date.  I have them – ready for this?  In alphabetical order in the lower shelf in the kitchen freezer door – easy to find.  

Having finished dealing with the freezers and listing their contents  (while stirring the stew in between) I put all of the lists on the refrigerator door with magnets (no point to having the downstairs freezer list downstairs – then I would have to go downstairs to see what I have – if all the lists are upstairs it I can see everything while upstairs.

These lists would not work as well when we are shopping normally – they would have to updated instead of replaced  - they work now being replaced as there are major changes each time due to the length of time between shopping trips.  

Since the stew was still not finished (it cooks a LONG time), I then stored away my July Lucy and Me  figurines from the living room and put my September ones – the August ones never went out.  Again, I was close to the kitchen to keep checking the stew.  

When the stew was almost finished I made some biscuits from refrigerated biscuit dough (this is not the same as the frozen biscuits, although the same brand) to go with the stew.  Freezer contents listed, frozen food arranged a bit better and easier to use, Lucy and Me bears out for the month and dinner cooked – all at the same time.  A good day of organizing and a bit fun in changing the bears.

THOUGHTS OF THE WEEK -

1 – If you have do something to do that takes awhile, but must be watched – see if there are other things you can do in the same or nearby physical location so time waiting to stir or check on the pot is not wasted.

2 – List what you have in your freezer (and for some people – also what is in your refrigerator – so you know what you have.

COVID 19 #21 - FOOD SHOPPING DURING THE TIME OF CORONA

 We went shopping for food this past Monday.  We almost made it through August without a full food run – just a small run to our local supermarket for Diet Coke (first time we have bought since before the stay at home – we had been drinking it only a half glass with Saturday night dinner, and then only since the start of May.  We also bought some other items which are not sold at the Walmart Neighborhood Market at which we have done our food shopping.  

I have been using a ¼ strip of a page of paper on the refrigerator for a shopping list and then when we start to talk about going shopping I have been copying the list into a spreadsheet file.   I try to sort by where I think the items are located in the store as I don't want to take out my pen and to cross items we have found off of the list and want to avoid having to double back for missed items also. This trip I did two related things – I brought a pencil stub to write with (if I felt it should not come home, I could toss it out when we left the store) and I also used the back of the shopping list (and the pencil stub) to list generally the items in the food aisles, especially those we buy.  I realized my shopping list was pretty close to where the items were located anyway – I did have 2 aisles reversed in the list.  Next trip I will try to list what is in which aisle of the non-food items.  

Before we went I had started making a master list of items we buy or might buy in the supermarket to make sure that when making future lists I don't forget anything.  (List is mostly made by husband saying or my realizing that we just took the last of something or have few enough of the item left to last beyond a week or so or one of us saying something like - “hmmm, wouldn't it be nice to have “Brunswick stew” (or something else) for dinner – do we have what we need to make it?”  After I returned home I resorted the master list by which aisles I had found the items to be in.  The master list is in 3 columns (so more of it can be seen at time while making up the shopping list – in a 4th column) – food, cold food, and non-food.  By looking down the list as I make up our shopping list for the upcoming supermarket trip I can make sure I don't miss anything.  Maybe we will continue to shop for more than a day or two at time, like we used to in the old years when I did the food shopping alone while husband was still working outside the house, it does work very well.

We found most of the items we were looking for – I could swear that supermarkets carry Chinese hard noodles – maybe it is just this store that does not.  It took him 10 minutes to decide which “I think want different cookies this time” he wanted.  He likes nicer than white bread when he has a sandwich, so he bought an Italian loaf baked in the store and wanted to buy rye bread.  The rye bread is small compared to the white bread and the what we call – the store bread so he decided to buy 2 loaves.  (We bought 4 loaves of white bread, use one and part of one fresh and freeze the rest as the expiration date approaches.)  In normal years we maybe buy one loaf of white or store bread and maybe don't have any bread in the house for long periods of time.  He could not decide between the “hard” and the “soft” rye breads from the same company – I told him to buy one of each and then decide which he liked better for next time, we did.

I figured while we were shopping we should buy some ant traps – generally need them on and off.  We could not find the bug spray section.  I asked an employee – he pointed at a rack hanging from the end of an aisle.  None there – I mentioned this and he sent me to Aisle 16 – made sense to me that was dog food and stuff for the house – only another rack hanging from the end cap – guess there is not much of a calling for bug killer stuff in the supermarket?  When/if we go to a regular Walmart I will check there and buy same.  

And now – the big disorganization happens.  In the trips we have taken to this Walmart for groceries – about 3 or 4 times since the stay at home started – there have been no lines at checkout other than at self checkout. This time it seemed there were big lines at all of the registers – and the lines ran up the aisles and people were close together.  Husband picked a line.  I was concerned that it was a small number of items or less checkout and went up to check.  I then saw that where we normally check out seemed now to be empty.  I went and checked and it was – problem – not going to take out cell phone with gloves I have on and he won't check – so I had to run back to him and then back to stand at register while he figured out how to get there.  (Umm, go to back of store and up the big aisle that comes forward – this took a lot of thinking? And he walked there so slowly.)

The system he has developed for food shopping is he wear gloves and pushes the cart. I wear gloves and select the items and put them in the cart.  (To his mind this keeps the cart and food unvirused.)  So I have to take the items out of the cart and put them on the belt for the cashier.  (Before the pandemic we only did self-checkout, now we always go to a cashier.)  I put the heavier cold items first and then the lighter cold items, followed by the heavier not cold items and finally the lighter not cold items.  We want the cold items bagged together so we can deal with them first when we get home before they warm up – both for wiping off with alcohol on paper towel piece and then figuring where to fit the items in the freezers (one is part of refrigerator and the other is a small dorm refrigerator sized one in our basement).  Fitting them in is not easy.  An example – we have been buying what I call frozen box dinners – these are the precooked, heat up, commercial company frozen meals in the freezer cases. I told him we had room for 7 of them (based on what we had used and the room I had for stacking them).  He picked out 6 of them – okay, that's better as more room for something else, right?  He then decides to buy a box of frozen fried chicken (which I reminded him he did not like last time and that there was much less in the box than it looks like it will have) – it almost the size of 2 of the boxed dinners.  I explained to him that we could buy that – but one of the box dinners has to go back due to space limitations.  He found a bag of fried chicken strips instead.  

I started putting the items on the belt to be rung up. It is again a huge order as we are buying for a month and hopefully beyond.  He is standing there watching me – remember, only I can touch the food.  I finally suggest he go to the other end and watch how the cashier is bagging the items.  He comes back.  The cashier is not bagging them – they do not have any bags!!  He starts to panic.  I unpack as quickly as I can and then start reloading the food she has rung up into the cart, thinking all the time what to do.  Oddly I had looked at the two reusable shopping bags we had gotten back at the end of February when the state was going to no disposable plastic bags and thought about about bringing them, but did not.  We had brought one disposable bag as he sprays the cart with Lysol before we start using it and I like to hide in the van as it is in such demand this days.  I figured we must have other bags in the van and told him we would be okay.  When I asked the cashier if this was something permanent – they had run out of bags at 2 pm.  (This was 5-6 pm.)  Not sure if it was a question of people doing extra food shopping as heavy rain was to come for the rest of the week (which is why we were shopping Monday), it was the last day of the month or what, but good to know it was not a change in policy.

In the car I had about 4 disposable plastic shopping bags, a paper shopping bag (bigger than a supermarket bag from some other store), and clean plastic garbage bags – I am guessing leftover from craft shows we have done and used them to carry woven items or such.  I put the breads in the paper shopping bag – just fit all of them (including a pack each of hot dog and hamburger rolls).  I put cold items into the 4 plastic bags which took most, but not all of them.  I then used one garbage bag for the rest of the cold items and a couple of garbage bags for the non-cold food.  

When we got home we dealt with the cold food in the shopping bags first and then I used the empty shopping bags to bring in the rest of the cold food.  After the cold food was put away, I started on the non-cold food, again using the shopping bags to bring them in – bread came in last.  

After all of this time and work – we came up short a rye bread!  We thought we lost it on the way on home after paying for it, but when we checked the receipt – we had never paid for it – either it fell out of the wagon, did not make it up the belt at the register – or a fairy took it out of the cart – and with how things are lately, I am so not sure it was not the last.  

THOUGHT OF THE WEEK -

It pays to make a shopping list before going shopping all the time – better than a trip back for a forgotten item.  Even more so now with the Corona virus about.  It helps one deal with a larger order quicker and with much fewer running back for items not remembered as one went through their aisle.  Today much more so than even before – one wants to go in, shop, and get out as quickly as possible to spend as little time out near people as possible.

A good Labor Day holiday to those in the U.S.