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The good folks at H&R Block sent me a copy of their software to do my taxes this year.  Here is my review of their product and a chance for a reader to win a copy of H&R Block at Home.

H&R Block at Home is the software formerly known as H&R Block Taxcut Online.  I have not used their old software so I am writing as a newbie user of H&R Block software.  The version I received was .  My taxes are not overly complex, but I do file the regular 1040 form and I have to file a schedule C for business income.  The software also included one state form and I chose California.

I found the workflow to be very simple.  I have used TurboTax in the past and I felt that H&R Block at Home was less of a hassle because it was so simple. I was able to type in everything in a couple hours and there is a good error check section where I could review the forms.  With each step there is a guide that explains what each field means.  I found the explanations to be more clear than TurboTax for the most part.

Many features in this software is also present in other popular tax software packages.  For example, there is a running count of your tax refund or underpayment on the right top corner.  However, one thing that is unique about the H&R Block software is that in case you get audited you will get the assistance of an H&R Block enrolled agent, and I think that is a great value.

One thing that I felt was a bit lacking is that there were not that many companies where I could download investment data from so I had to type in my investment sales one by one.  The software did not support popular investment firms like Fidelity, Vanguard, and Charles Schwab, so I requested that those companies be added in the next iteration of the software.

To win a free copy of H&R Block at Home, just leave a comment telling me your thoughts about taxes this year.  Do you love them or hate them?  Do you think you pay too much?  A winner will be announced and contacted on 03/22/2010.

The winner was lucky number 7!  Jay’s comment:

Our taxes are so confusing! I feel like I would never be able to figure it out-we have an extended family member do them for us so I would say I hate them!!

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It is tax season again, and to be honest I really do not enjoy paying taxes and I think I am in good company.  I hate paying taxes because there have been years when our living expenses were actually lower than our tax liability.  This is yet another reason why I want to retire early and live on less.

I have calculated our tax burden if we just earned what we needed to live on, and it is very small.  In fact, if we cut our expenses a little more in “retirement” we may even qualify for some refundable tax credits to zero out our tax liability.

I know that our taxes have gone to a lot of worthy causes such as education and infrastructure, but it also has gone to lining the pockets of bankers and random homebuyers.  I am not going to go into the “fairness” of it all, but I feel that it is silly to feed into a  system you do not agree with if you do not have to.

Right now we essentially live on part of one of our incomes.  If we kept our payrates and both worked two full days out of the week then we could cover our expenses.  However, we cannot do this yet because our jobs are full time jobs. I think that if companies had more well-paying part time positions then a lot of the current unemployment issues would be solved, and perhaps employees would be happier and more efficient, too. I know I would be a lot happier with two days of work and five days of leisure a week, and I would try to get as much done as possible in the two days I am working.

I know that some readers must think that attempting to drop out of the workforce early is lazy, but I just do not agree with the convention of working for the majority of your life for someone else. The current tax system is set up so that you get a little less of every extra dollar you earn, and you have no control over where that money goes.  So why should we waste time that we could be spending with our loved ones to pay someone else’s house downpayment?  It is not laziness that motivates me to retire early, but the realization that the only way to keep more of your life and freedom is to work less and consume less.

If you are paying more taxes than what you live on, then maybe it is time to assess how little you actually need to work to survive.  Perhaps you have already saved enough to retire and just don’t realize it.  Perhaps it is time to reclaim your life.

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A long time ago before I had a kid I wrote a post that basically rambled on about howand how wasteful that was. One of the comments I got was from aka Mike that said ”

All I can say is:

1. Have a child.
2. Teach them to potty as soon as they can walk.
3. Please blog about your results!!

Just for the record . Canadians do the same thing. :)

Mike

This post is for you, Mike.

Now I have a baby and I just started potty training him this week and it has been quite exciting.  He is 4 months and a week old now so he can’t walk yet, but he certainly can communicate.  I bought him a little(affiliate link)  from Target, and he can sit on it with a little bit of support.  The method of potty training I am employing is called Elimination Communication in America, but in China it is really just a normal part of childcare.  Basically, you take your baby to the potty when it seems like he needs to go. For my son, I take him when he wakes up from a nap, or when he suddenly becomes fussy.

On the first day I tried this my son peed into the toilet just once, and that was extremely exciting.  The next day I tried he pooped twice and peed once in the toilet.  Today he did extremely well and peed into his potty a total of nine times. I missed his poops because he was outside and not home, but he was wearing his diaper.  Each time it took around two minutes for me to get him in and out of the bathroom and every time he peed into his potty I felt like telling someone like it was the best news in the world. I have found that he is a lot less fussy since I have started taking him to the bathroom, and every time he finishes a poop or pee on the toilet he lets out a huge satisfied smile.

In hindsight, I really should have started this earlier because my son used to give a very clear signal when he needed to poop or pee.  Our whole family knows it as the “O” face and we have many photos of this phenomenon.  Basically he shaped his mouth into a very tight little “O” before he peed and pooped.   Now he no longer gives this signal because I think he got used to pooping in the diaper and this is a behavior that needs to be unlearned.

Currently  I have cut down the diaper usage from seven or eight to three or four  a day because I managed to keep his diaper clean and dry for hours.  Hopefully by the time he is mobile he will just know to go to the toilet.  My mom said that when I was a baby I carried my potty around to do my business.  Many people have told me that I have to wait until the baby shows interest in the toilet to start training him, but how would a baby show interest in the toilet if he doesn’t know what it is?  Anyway, potty training takes a lot of effort no matter what age your child is, and I think getting it done sooner is better than getting it done later.

I really believe that toilet training a baby  early is the way to go for families that want to cut down waste and save money.  If you think about it, people routinely toilet train puppies that are a couple months old, so why can’t human babies be trained to recognize that the bathroom is the proper place to eliminate waste?  Anyway, if you are interested in toilet training your baby early, I highly recommend the site.  It clearly explains the way infant potty training works, and it is the way billions of Asian babies are toilet trained.

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Lately I have been thinking a lot about why a lot of us work so hard for our employers.  I know that the unemployment numbers are still very high so that those of us who are employed are considered fortunate, but why do so many of us spend more time with our coworkers than we do with our families?

If you have a normal 40 hour work week and commute to the office then you would be away from home for 50 hours or more a week.  When you get home you are often tired and grumpy and maybe watch a few shows and then go to sleep.  When I think about it, most people spend more than half of their waking hours doing work related things.  This is perfectly fine when you enjoy your work, but so many people hate their jobs and they still continue on the same path.  Why?   Here are some of my conclusions.

cheap cialis canada pharmacycheap cialis canada pharmacy -  Many of us know our jobs well so that it is easy to finish our daily routine.  There are occasional challenges, but at every job there is just a good amount of work that needs to be repeated over and over again.  This makes the job easy after you get used to it.  Most of us have clear projects and directions at work, and that makes it easy.

cheap cialis canada pharmacy -   Another reason why working for an employer is easy is that so much infrastructure is already set up for you.  You have a workspace, a paycheck, and a defined set of benefits.  Usually there is very little that is unknown.  If your employer loses money chances are you will still get paid and life goes on.  For the most part you don’t have to worry about things like corporate taxes, lawyers, or paying other people.  You just concentrate on your portion of the work and it is fine.

cheap cialis canada pharmacy – It’s easy to fit in when you have a “regular” job.  The most common question ask when people meet you is usually, “what do you do?”  If you’re over 22 and under 65 most people expect you to have a job.  This is not exactly a reason why people work so hard for an employer, but it is a reason why so many people choose the set path of working for a corporation or some other established entity.  It is considered normal to work 40 hours a week plus or minus 10 to 20 hours of commute time and overtime.  Being normal is easier.

I have to admit that I know that keeping my job is much easier than quitting and starting something on my own.  I know that many small business owners put in a lot more than 40 hours a week, and those that hire people have to worry about a lot more than just themselves.  I am glad to see that many people have become self employed in this recession because they got kicked out of their easy jobs.  Hopefully a good number of them are starting businesses that will hire people in the future.

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It seems like it was just yesterday when we said happy new year to each other, but now it is already February.  These days are passing by so quickly for me that I hardly know how I spent all my time.  Oh right, when I am not working I am pretty much taking care of the baby.  The cliche we often hear is that “time flies when you are having fun”, and I am having fun.

I tell my husband constantly that time is flying by for me and he replies to me that he feels like we have been married for ten years because to him it feels like time has been passing by really slowly.  He said that the six weeks he took off for parental leave felt like it was especially long because he hasn’t had such a long break from work in a very long time.  He enjoyed his break quite a bit and wanted to retire after that, but alas, we are not quite set for life, yet.

This year we are facing some new expenses and challenges with the baby, but so far it has been going quite well.  I think one reason the days are going by so fast for me is that I am always looking forward to see how the baby has changed each day.  Both my husband and I feel like we are now officially adults because we are now parents, and I feel a lot older than I was just a few months ago.  I also find it funny because many of my friends and family have said something along the lines of “I can’t believe you are now a mom”.  To be honest, if someone told me ten years ago that I would have a son and I would enjoy being a mom, then I would have laughed in that person’s face.    Now I am one of the few people I know from high school that has a kid, and I guess that is somewhat surprising.

The more I look at the baby grow the more I think about the trade off between money and time.  Now I am sure that I don’t want a job that pays a crapload of money but requires me to work 14 hours a day.  I rather work the hours I have now and be home with my son at a reasonable hour.  By now I am also sure that I need time away from my kid just to stay sane, so I pay for childcare so I can work.  My husband and I also want to retire as soon as possible so that we can have some time with the kid before he is an adult, and we will reach that   goal much faster if we both worked.  Basically, we do trade our time for money, but eventually enough money will allow us to have more time to spend the way we want to spend it, and that is the ultimate goal.

Anyway, hopefully our kid will learn to appreciate time with family and friends more than random plastic stuff, because   I will not be buying him action figures.

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