Monday, April 28, 2008

Wednesday, April 23, 2008

Cute EmmaLi story

This morning on the way to day care Emmie and I were practicing her verse for AWANA and her Cubbie song. They haven't really learned it because the Cubby Director and assistants say they cannot sing. My personal opinion is that 3, 4, and 5 year olds don't care whether you can carry a tune in a bucket or not...they just like to sing. So, I have been asked to embarass myself by teaching the kiddos the Cubby song. No big deal.

So Emmie and I were in the car minutes away from the day care and we were singing the Cubby song. When we were done EmmaLi said "I just love the name Jesus." I said "I do too." She then said "It's so fun to say too." I said "Yes, I guess it is fun to say." Then with mannerisms of a teenager complete with hand gestures, she said "It's just so...so...so... Jesus-y. I love it."

That's my girl.

Sunday, April 20, 2008

Our new hobby...Letterboxing!

We have stumbled upon a great new hobby called Letterboxing. You create a Letterboxing kit which is a rubber stamp, ink pad and note pad or sketch book to log your finds. You check http://www.letterboxing.org/ for letterboxes where you live or where you are planning to visit. Each planted Letterbox has a list of clues to help you locate it. You print out your clues and follow the clues to find the box. Today we found two letterboxes at the park where we had EmmaLi's soccer banquet. After the banquet was over, the coach and her daughters and EmmaLi and I went on a short hike to find the letterboxes. We found both ot the boxes we were looking for. Inside each box you find a rubber stamp, and a pad of paper. You stamp your stamp on the pad in the letterbox, sign and date it and then use the letterbox stamp to stamp your notebook. Below are pictures of EmmaLi rehiding one of them and of her finding another.
Rehiding "Somewhere Over the Rainbow".

Uncovering "Pirate Pete's Plunder".


Here is Emmie with the box after she uncovered it. After stamping everyone's notepad and the notepad in the box we replaced it and rehid it very well.

Tuesday, April 15, 2008

Oh the sweet things she says...

I have to share a conversation I just had with the sweetest girl in the whole wide world. I was reading emails and EmmaLi came up to me, layed her head on my arm, looked at me with those big brown eyes and the follow conversation occured:

EmmaLi: "I just love beautiful things."
Me: "I am so glad you love beautiful things."
EmmaLi: "That's why I love you!"
Me: "I think you are the most beautiful little girl in the world. Most importantly you are beautiful right here!" (and I patted her heart)
EmmaLi: "Yep and Jesus is in there and He makes me beautiful cause He is beautiful. I just love Jesus!"
Me: "Me too."
EmmaLi: "What do you think Jesus wears in my heart?" (pause for 2 seconds then) "I know. Probably a robe maybe. A beautiful white robe."

Then she took off to jump on her trampoline singing Hannah Montana with her telescope and binoculars. Motherhood is the best. It is better than anything I ever imagined it could be.

Tuesday, April 8, 2008

Update on the tax situation

Well, I must say that I have resolved my tax problem but truly not to my satisfaction.

After my problem was escalated to level 2 support, I received an email the next day that stated I needed to answer yes to the question whether I had completed or was in the process of an adoption in 2007. The answer to that question is truly No. However, if I answered Yes, I was prompted to the fields needed to complete the taxes without an error. I had an ethical problem claiming yes to a question that should have been answered with a No. I did not have an adoption last year and I was not in the process of adopting last year. I felt like I was lying on my tax return which we all know is punishable up to and including jail time.

Once I completed my taxes I proceeded on to the E-Filing section of the software. All I can say is it is a good thing I read the small print. Here is what I found out when I got to the small print.
1. E-Filing is free for your federal taxes HOWEVER, in order to get your refund automatically deposited into you checking account H&R Block requires you to pay their bank a $29.95 fee. This fee is to establish a temporary account in this "partner bank". My question is what is the purpose of this temporary account? Most people don't question it at all and just pay the fee. Wait til you hear what this account is for in point 2.
2. You agree to sign your refund check over to H&R Block for the automatic deposit into your personal checking account. What really happens is that H&R Block receives your refund check along with hundreds of thousands of other peoples refund checks. If you know how interest is paid to banks you know that it is paid daily not monthly like it is paid to you and I on our personal accounts. So H&R Block and it's partner bank get custody of YOUR refund check. They deposit it into this temporary account and they earn the interest on your money for anywhere from 3 days to more than a week. I am sure they do their darnedest to keep it over a weekend or two. I have seen some posts from people claiming they have waited upwards of 19 days to get their refund into their personal checking accounts. Whether those are true or not I do not know. Bottom line you are paying them to make money for them with your money!
3. Since H&R Block has custody of your money, they also tell you that they have what they call "Family of Services partners". If you are in arrears in payments to any of these partners, your refund will be taken and used to pay these partners off first. So now your refund check is being spent by them and not you in the manner they see fit rather than in the manner you see fit or perhaps have promised to other creditors. I suppose H&R Block is making money off of these family of service partners as well. While I don't think being in arrears in payments to creditors is a good thing, sometimes people run into hard times. With the economy the way it is and gas prices what they are, it's easy to see how it could happen.
4. They tell you they share your personal information with their family of services partners...translated to spam, unwanted email and telephone solicitations from companies you do not want to hear from. I tried to find a listing of H&R Blocks "family of service providers" but could not find it on the web site. I spoke with a coworker about what I found in the small print. He used Taxcut this year. He too is waiting for his return to hit his checking account. He said it is taking longer this year for his fereal return. He stated he got his state return last Saturday but the Federal return is still not in his account. I suggested he check the IRS website to find out when the check was cut and when it actually hits his account. Once he learned what the small print stated he went back to try to find the small print. It is now where to be found.

Bottom line, I do not want to pay a company fees to set up a temporary account allowing them to make money using my money. People need to read the small print on these things. I cancelled out of E-Filing and opted to print my taxes forms and submit via the US mail. I have an ethical problem with a company that uses such practices. This is deception through and through.

Since I found this small print so alarming I checked www.ripoffreport.com and found A LOT of complaints about H&R Block. Many are from people who applied for the Emerald Card which I guess is a loan by one of these "partner banks" against the citizens refund check. However, these people are being charged huge fees for this service and not being told they may not qualify. I suppose its the poor folks who are in arrears and need all the money they are entitled to to pay off their debts but H&R Block hijacks their refund to pay off their "family of service partners" first, and charging huge service fees for services they do not qualify for instead of giving the money to the tax payer as expected. To me, that is just not fair business practices and it takes advantage of those who need their money returned in a timely manner.

In all fairness, I did get a comment on the "I need to vent!" post from some one at H&R Block stating the following: "...I'm a Sr. Product Manager with H&R Block TaxCut. I'm very sorry to hear that you had a frustrating experience both completing your return as well as talking to our customer support center. It's never our intention to have customers jump through hoops the way that you obviously had to!I realize that a few days have passed since you worked on your return, but I wanted to make sure that you were eventually able to resolve your issue and file your return. If not, please feel free to contact me directly at persons_name@hrblock.com and I will assist you in resolving your problem.Again, I apologize for the inferior experience that you had and please don't hesitate to contact me.

I do appreciate that offer but I don't think this person is able to fix what is wrong with H&R Block. Taking advantage of the small print is just not right. Delaying refunds to people who are entitled to fast refunds should not have their refund delayed even a few days to allow H&R Block to earn even more money on it. Hijacking peoples refund checks to pay companies that pay them to be in their family of service providers is not right. It just leaves a bad taste in my mouth. I don't know if the folks that work for H&R Block really know what that fine print states. I like to think they don't. How else could you justify working for a company that takes such blatant advantage of people.

After all of this I am going to say it again. Let's give up the IRS and annual income taxes and go with a straight flat tax. We would pay taxes on the money we spend. All of the luxury items purchased by the wealthy and illegals would be collected in sales tax. The drug dealers and other people who do not pay income taxes would have to pay taxes on their purchases. In the end it would save us all a lot of headaches and hassle each spring. The IRS would be defunct, companies like H&R Block would be defunct, and we would all be happier in the end. There would be fewer people in prison for tax evasion which saves all tax payers a lot of money.

In the words of Forest Gump..."That's all I have to say about that."

Monday, April 7, 2008

Stickers anyone?

We'll it is official. My child has broken the official cardnial rule of sticker ownership. The one thing I ask of my child is no stickers on the furniture. She decorates me, my clothes, my purse, and numerous other things but she has never put stickers on my furniture.

Last night she finally broke. I was cleaning up after dinner and she came in repeatedly with stickers stuck all over herself. She had stickers on her arms, legs, face, shirt and even put one on my back side. After I had finished cleaning up I told her that it was time for a bath. I went to the bathroom to start her bath water. She ran out and said something but I didn't wuite catch what she said because the water was running. She came back in and got undressed and in the tub. I never gave those stickers another thought.

This morning on the way out the door I spotted it. I called her back in the house and calmly told her that this is not the right place to put her stickers. When I asked her why she put them there she said "Because I didn't want to through them away and I didn't want to get them wet in the bathtub."


Tuesday, April 1, 2008

I need to vent!

Okay, for the past two years I used H&R Block's Taxcut to do my taxes. I liked the idea of having "people". The software was no easier or more difficult than Turbotax but it was cheaper the first year so I gave it a try. This year I did the same. I had two copies of the CD that they mailed me at home for my convenience. However, neither of them would install on my home PC or my work PC. I went to the H&R Block web page to download it. There I found that H&R Block offered on line tax filing. So I decided to give it a whirl.

Let me say that has been the biggest mistake of my tax life. I started off doing great. I was able to import my last years tax returns and the info carried over just as if I had installed the software and done it on my home PC. I zippity do da'ed right through all the questions and had finished my federal and state taxes in no time. Then it came to the error checking phase right before e-filing. It came back with an error! I thought no pro-blem-o I'll just correct it and then e-file and I am done. I clicked on the Fix Errors and it took me to the Adoption tax credit screen. I have a small amount of the tax credit from EmmaLi's adoption left to claim. I verified the information and clicked next, next, and the error remained. I read the error very closely and it was looking for information about EmmaLi not the credit. It says to click "Edit" and correct the error. Well...there is no edit button. I cannot edit anything thing.

After fighting with the program for about three hours trying every thing I could think of editing this and that and marking this box, putting 0 in all of the non-appicable boxes and not putting zero in those boxes. In two different sessions I tried like mad to fix the error. I looked at my 2006 tax records and there was all kinds of data about my child on that tax form(date of birth, name, age, address, etc). I was not prompted at any time to enter that data using the on line version of the software. So I summoned my "people". I wrote a question to the tax advisor. He replied back promptly that my question is of technical nature and not really a tax question and suggested I contact the online chat people or the helpdesk people. I then summoned the on line chat people and got a gentleman named Dederick C. Dederick was very good at defining my problem and stating back to me what I just said but he wasn't very good at fixing the problem or offering any solutions. Here is how the chat went:

Dederick C.: Hello Kimberly, welcome to H&R Block's TaxCut Online Chat Support in North America! How can we assist you today?
Kimberly Taghan: I have finished my tax forms using the on line tax preparation. I am getting an error that I cannot fix. I'll log back in and get the exact error.
Dederick C.: Does this occur while attempting to E-file?
Kimberly Taghan: I adopted my child in 2004. I have a small carryover amount that I need to claim for an adoption in 2004. I keep getting this error. "Error 1 of 1 In the Adoption Credit section of the Interview, you made an entry for an adoption credit carryforward. Please enter the information for the eligible child. Click edit and review your entries." Kimberly Taghan: However, there is no "edit button" and the program never asks for the information. It is not during the efile section. It occurs during the check for errors.
Dederick C.: May I have a moment to research some information for you? Kimberly Taghan: sure.
Dederick C.: Did you have a adoption credit carryforward?
Kimberly Taghan: Yes, I checked last years refund (using Taxcut 2006) and it indicated I had $XXX.00 to carry forward. I imported my last years return so I would think that the information would have been imported. Dederick C.: Looks as if it might not have been because that is was it's prompting for.
Kimberly Taghan: How do I get the information in then. The program never prompts for past adoptions, only adoptions that occured in 2007. Kimberly Taghan: I tried adding the information in for 2007 and the error was not corrected so I deleted it.
Dederick C.: Once your on the Error page click fix error and it should take you to the Enter Adoption Credit Carryforward where you can enter past amounts.
Kimberly Taghan: I have done that. I enter $XXX for the 2004 carryover to 2007 amount. It accepts that but the error remains. It is looking for more information that there are no prompts for. I looked at last years tax forms and it has a lot of data regarding my child (name, SS#, DOB, etc.) I was not prompted for this data on line but apparently, it needs to be there.
Dederick C.: Well the thing is anything that is being entered here does not carry correctly.
Kimberly Taghan: So how do I fix it so I can file?

At this point the session ended. I have no idea why or how but the window just shut down and I was taken to an "Exit Interview" screen. So after waiting over 30 minutes to get some one to respond to the chat I didn't get an answer but I got practice defining the problem.

Next I sat called them to speak to some one about the problem. I sat on hold cleaning up after dinner for another thirty minutes. I have this wonderful new phone that has a speaker option. So I put it on speaker and was able (at least) to be productive while I was waiting on hold for 25 minutes. Once I got the pohone answered, I was advised that they are experiencing server issues and they couldn't help me. The nice lady suggested I call back in an hour. Maybe the closing of the chat window was caused by the server issues, she didn't know.

Today I called back and got an answer right away. I spoke with a lady that was nice enough. I spent an hour on the phone with her explaining the problem. Then I humored her and tried all of the things she suggested which I have already done several times on my own. nothing fixed the problem. She then told me I I needed to talk to a tax advisor. I explained that was the first person I called and he said my question is technical in nature and I needed to call Tech Support. She then put me on hold again to get a supervisor. After about 15 minutes the supervisor got on the phone and said that she has looked the problem over and tried to come up with a solution but she is unable to. She said basically, I have two options. I can have the problem escalated to level 2 helpdesk and see if they can come up with a solution. They would give me a call back in 48 to 72 hours. The second option is to start all over from scratch. I have already wasted 3 days on this problem and there was no promise that starting over would actually fix the problem. There is also the little thing about having already paid for Taxcut and not wanting to pay for it again or wait for a refund. So now I have spoken with 4 of my "people" and have gotten nothing resolved.

Bottom line....I am not liking H&R Block or my "people" right now. I need to file and they are preventing me from doing so. Getting these taxes filed this year has been difficult. Between my employer screwing up my W-2 and having to wait to get a revised copy to file, then the two different copies of the software not working and now this. You would think they thought I have time to burn and spare to fight with my taxes.

I say we should go to the national sales tax and get rid of all of this tax bologna. ...I guess that is a post for another day.