Tag Archives: IRS

Hooray! I’m in the bottom one-third of home owners . . .

According to the Census Bureau’s report (§963 Mortgage Characteristics – Owner Occupied Units), as of 2007 when the most recent data was available, the United States had 75,647,000 owner-occupied households.  Of these, 24,885,000 had no mortgage.  That is, not a single penny was owed the bank and the homeowner had total equity in the property.

That means 32.896% of owner-occupied households own their property outright and have no mortgage.

Now, these figures were from before the housing crisis but that shouldn’t matter because it seems like a good bet that if you owe nothing on your house, you can’t have the bank foreclose on it, can you?  No matter what the market value of your home is, nobody can kick you out, as long as you pay your property taxes, which are often a fraction of the value of a residence.

To put that into perspective, imagine walking into a room of 100 homeowners that represents a cross-section of the United States.  Statistically, 33 of the people in that room would have no mortgage.  They would make no payment to the bank and they own their home outright.  The other 67 people would have a mortgage.

There’s a downside to paying off a mortgage. I can no longer itemize items on my tax returns because I lack the necessary amount of valid deductions. The  amount allowed by the IRS for a single taxpayer with only one personal deduction (self) and no home mortgage is beyond miserly—it’s pathetic. However, so far I have managed to overcome the impulse to purchase a home with a huge mortgage in order to claim the interest exemption, thereby reducing my taxes.

I realize that the option of upgrading to a larger home in an exclusive neighborhood—The Dominion in San Antonio, for example, something comparable to the home of NBA star David Robinson or that of George
Strait of country music fame, but the savings would not justify the horrors of relocating and besides, I would probably walk away from the mortgage a few months later having exhausted my savings—okay, one month.

I suppose I could search for a soul-mate (a female, naturally, or a male unnaturally—just a bit of humor there) for marriage and thereby decrease my taxes by doubling my exemptions, or even adopt a few wayward children, perhaps three or four orphans thereby tripling, quadrupling or quintupling my exemptions. Of course, if I chose any of those options I would probably wind up living in my backyard storage shed, even if I only opted for the soul-mate—bummer!

In support of my decision I have artfully crafted a poem, dedicated to those left alone by the love of their life passing from this realm to another (the dedication is extended to such persons still burdened by a mortgage).

A most heroic poem,
and beautifully made

I will remain alone
in my debt-free home
with my senior discount
until I tire of riding single
after riding double so long,
and I surrender the reins
of this unruly mount
that I travel on.

The next horse I ride
I hope will have wings
as befitting a king.
Pegasus would do
but I follow a rule,
I’ll take what is offered
though it be a mule,
But whichever life brings,
I refuse to board
unless it has wings.

That’s my story and I’m sticking to it.


Posted by on November 12, 2011 in Humor, IRS, mythical creatures


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Thee and me, and they and fleas . . .

Thee and me, and they and fleas . . .

The purpose of this posting is to share a comment that a viewer—a spammer—posted to my tale of snipe hunting. Well, actually I have another purpose, but if I reveal it at this point I may lose a few arrivals to this posting. I will therefore hold the other purpose in reserve for awhile. The snipe tale with the comment and my response can be viewed here:

This is the viewer’s comment that I retrieved from the trash:

Good evening, Happy Fool’s Day!

Two winkies went on a hunting trip. After it began to get dark, they thought it was about time to go home. They unfortunately got lost.One winkie said to the other, “I read that if you get lost in the woods you should fire three shots in the air. It is supposed to be an “S.O.S.” So, the second winkie shot three times into the air. After waiting for a few hours, they repeated the signal. They tried it over and over, but nobody came to help them. Finally, the second winkie said, “O.K., I’ll try again, but we’re running out of arrows!”

Happy April Fool’s Day!

This is my reply to the comment:

My response to your comment is somewhat belated because WordPress identified it as spam and trashed it, and I overlooked it until this moment. I agree with WordPress—it is spam, intended to attract viewers to a commercial website. However, I enjoyed the April Fool’s joke you sent so I recovered your comment in order to share the joke with others. And yes, your ploy worked beautifully—I’ll include a link to that commercial  site in this posting, just to say thanks for the joke—all’s well that ends well!

And now on with this posting:

I may have been the last person online to be exposed to the joke about two lost winkies firing shots into the air to attract  rescuers. It’s very likely—I tend to live a rather sheltered life, and I am not prone either to telling or listening to jokes that malign others (I can hear my three daughters laughing already). In this instance the maligned appear to be toys called winkies, so there should be no reprisals involved. I promised the April Fool’s Day jokester—the spammer—that I would post the commercial site just to say thanks for the joke.

The is the commercial site for Winkies—enjoy!

The joke could have involved someone or some group other than winkies, but our nation’s requirements to maintain political correctness should be followed at all costs. However, in support of those requirements I will suggest a few alternatives  for the joke other than winkies, and in doing so I will strive mightily to maintain a balance—to spread the wealth equally, so to speak—I urge my viewers to refrain from using any of these suggestions in retelling the winkies joke—please!

The hunters could just as easily have been identified simply as two hunters, whether male, female or mixed, or as blondes, little morons, Aggies, Texans, Minnesotans, Mississippians, Californians, Floridians, Native Americans, African Americans, persons of Polish extraction, Irishmen, Democrats, Republicans, Independents, Tea Baggers, members of various Black Cacuses whether at the state or national level, Ku Klux Klan members, NAACP members, members of the Supreme Court, the Senate, the House of Representatives, the IRS, members of ICE, DEA, EPA, NRA and any other of the multitude of alphabet organizations—federal, state, city, county and private that seem to have the ability to multiply on command, Tiger Woods and the star of Deep Throat (she’s dead, rest her soul, but the joke would still work), ad infinitum.

The joke could also have identified couples known nationally and internationally, whether of the same gender or mixed. Some examples would be Joe Biden and Dick Chaney, Harry Reid and Nancy Pelosi, Rick Perry and Kay Bailey Hutchison, Hillary Clinton and her spouse what’s his name, John McCain and Sarah Palin, Obama and his closest advisor on nuclear matters, Mahmoud Ahmadinejad and Benjamin Netanayhu, Barney Frank and anybody, Mutt and Jeff, Blondie and Dagwood —the possibilities here, as in the preceding paragraph, extend also to infinity.

I am including two poems, the first penned by Jonathan Swift, a 17th century writer, and the second an expansion of that poem by Augustus De Morgan, a Victorian mathematician. I consider these poems particularly pertinent (I really love alliteration!) to the relationship between government and the governed in our nation.

Swift’s poem:

So nat’ralists observe, a flea

Hath smaller fleas that on him prey,

And these have smaller fleas that bite ’em,

And so proceed ad infinitum.

De Morgan’s expansion of Swift’s poem:

Great fleas have little fleas upon their backs to bite ’em,

And little fleas have lesser fleas, and so ad infinitum.

And the great fleas themselves, in turn, have greater fleas to go on,

While these again have greater still, and greater still, and so on.

Special note: You and I are the great fleas in these poems. They are us—you and I and more than 300 million other U.S. citizens. These poems represent upside down pyramids, with government at the top and us at the bottom. Our government and our constitution are moving in opposite directions—government is expanding and our constitution is shrinking accordingly.

In relation to fleas, government is the biter fleas and we are the bitten, and the pyramid continues to grow wider at the top and narrower at the bottom. Let’s face it—we are staggering and bowing under the weight of all those fleas, and unless that weight is lifted, or at least lessened, it will eventually bring us to our knees, a national position that may possibly be the desired goal of the upper echelons of biter fleas, or government.

That’s my story and that’s my opinion, and I’m sticking to both!


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To pay or not to pay: that is the question . . .

The above title is based on one of the most famous quotations in world literature. In William Shakespeare’s Hamlet, act three, scene one, Hamlet’s soliloquy begins thusly:

To be, or not to be: that is the question . . .

Before I begin this posting, my nature demands that I recite a really bad parody, one that I have unluckily remembered for more years than I like to think about. I plead for forgiveness in advance, and I would gladly attribute the quote had its origin not been lost in the dim and dusty antiquity of my memories.

Beware, reader . . .

Brace yourself . . .

Here it comes . . .

TB or not TB: that is congestion:
Consumption be done about it?
Of corpse, of corpse.

On with the posting:

The following e-mail is my response to one from my friend Sue. We were discussing income tax and why it is labeled “voluntary.” She had received an e-mail from someone who was recruiting people to NOT pay their taxes based on that voluntary label.


Thanks for the e-mail—it has prompted me to do some very basic research on the author’s premise that the income tax laws are unconstitutional, and because of their unconstitutionality, they are laws with which we should not comply. Based on my prolonged and exhaustive research (at least 20 minutes), my conclusions (which took a bit more than 20 minutes) are as follows:

The author of the e-mail is “tilting at windmills,” a modern-day Don Quixote. Those who choose to follow him have accepted his thesis as fact (that the Sixteenth Amendment has never been properly ratified). His followers are modern-day Sanchos (from Sancho Panza, Don Quixote’s somewhat dull-witted squire). That some are found guilty and others are deemed not guilty when cornered, charged, indicted and tried by the IRS is a non-factor—note the blindfold covering the eyes of Lady Justice—also remember OJ and the trial of the century—stuff (?) happens.

The author has taken leave of his sanity, as did Don Quixote. I predict that the author will one day regain his sanity, as did Don Quixote, and then become so melancholy that he will, for the rest of his life, remain sane and broken—as did Don Quixote, a man who was never able to regain his insanity and who died sane and broken—this in spite of all efforts by others to resurrect his alter-ego in order to save his life.

The Sixteenth Amendment was properly ratified by the required number, 36 of the 48 states which existed at the time, in full accordance with the Constitution which required ratification by three-fourths (36) of the existing 48 states. On February 3, 1913 New Mexico became the thirty-sixth state to ratify, and on March 7, 1913 New Hampshire became the final state to ratify, bringing the total to 42 of the 48 states (of the remaining six states, four rejected it and two never considered it).

Incidentally, March 7 was the day I enlisted in the U. S. military (no, that was not March 7, 1913), and for 22 years lived on a rather paltry salary. I began my military career with a whopping total of $72.50 per month (three months later it was increased to a mind-boggling total of $75.00).  Following retirement from the military for length of service (zero disability) with a  pension also paltry ($412 monthly after serving for 22 years), I began a new career (from necessity, not by choice) with the U. S. Treasury Department that, coincidentally, is the branch of government that includes the Internal Revenue Service.

That second career lasted 26 years, and I am now retired from both jobs, with a non-paltry pension based on the 48-year total—which, of course, makes me a double-dipper. But wait, there’s more—considering my Social Security benefits I’m a triple-dipper—oops, I’m really a quadruple-dipper because my wife draws a pension based on my Social Security earnings—-and if I am ever presented with the opportunity I will cheerfully become a quintuple-dipper.

I feel completely justified with all those “dippings” because I earned them. I have always complied with our tax laws and will continue to comply with them—not cheerfully, of course, but always knowing that IRS is looking over my shoulder—that’s their job.

I realize that you are familiar with the above capsule of my working years, and I mention them only to reinforce my belief that the income tax is constitutional. I will refrain from declaring it either fair or unfair, other than pointing out that it is both, depending on who, what, when and where. You’ll note that I do not mention why, because the why should be obvious.

Oh, well, I’ll mention it anyway. We pay taxes on our earned income and just about everything else because, just as we cannot exist without income, neither can our country, and without our country neither can we.

So there!

PeeEss: Feel free to disseminate (spread, disperse, scatter—whatever) this e-mail in any way you like. I am not ashamed of the fact that I pay my taxes—nay, I’m even proud that I pay them. There is a possibility, very remote, that I may, from to time, make one or more errors in my calculations, but just as in the case of our newly appointed Secretary of the Treasury, my mistakes always fall into the honest category.

That’s my story and I’m sticking to it.


Posted by on July 6, 2009 in Humor, law enforcement, Military, taxes


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