Tuesday, February 23, 2010

A Picture Is A Thousand Words

After I retired several years ago I began thinking about my life and all the milestones that are fixed in my memory, those special events that are a link to my past history. As I thought more about the neighborhood in which I grew up, I wondered what it might look like now and how it has changed. That got me to look at some old family albums and photos from my childhood. Although the photos focused on a particular person, I looked at the background in the photo to figure out where it was taken and the surroundings.

In one photo, I was sitting on the front steps of the house in which I was born. I was eating a fudgicle that probably cost a nickel or less at the corner store. The house was located at 21 Chestnut St. in Chelsea, Massachusetts. It was only a few streets away from the ocean looking out to Boston Harbor.

There was no date on the photo but I was about five years old in the photo so it must have been 1948, since I was born in 1943. The steps were made of solid granite and there was a double door in the background. The door was dark wood with a brass kick plate at the bottom. The house was a three-decker wood frame with a basement and attic apartment. It was physically joined to another duplicate apartment building with five apartments on each side or ten altogether. I still remember all the families that lived in each apartment. They were like one big family.

My mind was now flooded with memories all triggered by that one photo. I began thinking about all the activities surrounding those front steps. The double wide steps became a meeting place for all the kids in the neighborhood. We met there each day to play or begin whatever adventure we dreamed up. I remember playing ball against the steps. I remember sitting on the steps on a hot summer night with the other kids from the neighborhood holding a burning citronella punk to keep the mosquitoes away. I remember pitching pennies against the steps. I remember my sister playing jump rope and playing hop scotch on the side walk. I remember riding my first tricycle and later my first bike.

As the seasons changed the snow piled up against the steps and we made snowmen on the sidewalk. We dug tunnels in the mounds of snow piled against the sidewalk and imagined we were Eskimos living in igloos. One year the street was partially cleaned of snow but still had a solid layer of ice on it good enough to skate. The boys all got their hockey skates, stick and puck and we played Hockey on the dead-end street.

As the seasons changed again to spring we played games after dinner using the front steps as the starting point. We played hide and seek and even used flashlights after dark to guide us through the dark alleys and back yards.

Its sure is funny how one picture can bring back so many memories. As I grew older I left the neighborhood to visit my school friends who lived over a few streets and even across the city. The city of Chelsea was only a few miles wide and I walked everywhere. First to grade school a few blocks away and then to high school which was almost a mile away. I went to church a mile away and then to the local YMCA or the football stadium. My world got bigger as I grew older.

Recently I wondered what the neighborhood might look like and discovered that I could use Google Maps to zero in on any street in “Satellite Aerial View Mode” and see a birds-eye view of the street and all the houses along the way. These were actual aerial photos keyed to the street maps. On some streets I could actually move down to street level as if I was driving in a car and look left and right at the front of a house or store or school. Sitting at my home desk and using a computer I was able to virtually fly over any city and then down to street level to take a closer look.

Using Google Maps and the Aerial View I took tons of photos with my computer by using the “Screen Capture Mode” and then saved the picture as a JPEG image. I took photos of all the neighborhoods that I played in , some of my fiends houses, the schools that I attended, the church that I went to, the places that I worked and got my first jobs as a teenager. The house on the right of the photo at the left is 21 Chestnut St. today. It is still an apartment building but has been sided and fixed up. The house is over 100 years old.

Technology has certainly expanded my world view and allowed me to trigger my memory through pictures from the first black and white photos taken with my Kodak Brownie Box Camera to high definition color photos taken with my fancy new computer.
A picture certainly does reveal a thousand words of memory and even more.

Saturday, February 20, 2010

Tax Dilemna

Hi All

A funny thing happened on the way to the Forum said Marco. The tax collectors were all sitting on their thrones gathering the tithe that the emperor had declared, “a pound of flesh from every living being in my kingdom”. Times certainly have not changed since ancient Rome. We now just drop our hard earned coins into the Federal Withholding coffer.

It’s Tax Time again and like everyone else, you get all your files and receipts ready to do the calculations yourself or bring them to the tax man. I generally do my own tax calculations and filing. Sometimes its pretty simple and if I have all the data I can do it in an hour. However, there is always a glitch in the system.

I use the short form 1040A since I can’t accumulate enough deductions to itemize so consequently I take the Standard Deduction for Married Filing Jointly. You can also get a little more than the standard deduction if you pay Real Estate Taxes and also bought a New Car in 2009. Instead of the $11,400 Standard Deduction, I could get a $14,600 Standard Deduction.

I then figured my adjusted gross income and read the tax from the tax table and was surprised. I owed about $700 more than what was taken out in my Federal Tax Withholding. Normally I break even. I was confused. What happened?

I discovered that as a result of the Federal Stimulus Act for 2009, less Federal Tax was taken out of weekly or monthly paychecks to give more money to citizens to use weekly rather than give them a bonus $200 check at the end of the year as was done previously. For me I had less Federal Withholding in 2009 than I had in 2008, 2007, or 2006 even though I had more income. I would rather have more withholding during the year and then get a refund than have to pay.

If this new rate of Federal Tax Withholding continues next year, I will have to have more money deducted from either my state pension or Social Security Benefits just to break even or more to get a refund.

To double check my calculations I then tried Turbo Tax online which is free for Federal Taxes and about $19 more for State Taxes and they will E-file for you. After inputting all the data in Turbo Tax online I ended up with the same dilemma and still owed Federal Taxes.

I also tried to get some energy credits since I put insulation in my attic and spent about $800 for materials. I did all the work myself. This included the insulation, air baffles, eave vents, staples, special staple hammer tool, attic fan with thermostat, electric wiring and switches. However, you need a special form to take an energy credit (Form 5695). I downloaded the form from the IRS web site and filled it out and learned I could only take 30% of the total cost of the insulation job which amounted to $240 which is 30% of $800. This was not much help since it only reduced my taxes by $45 on the Tax Table. I also discovered that to get an energy credit you have to Itemize Deductions instead of taking the Standard Deduction. However, next year you can take the energy credit right on your 2010 tax form instead of using a special form. Why am I always a day late and a dollar short?

Maybe I can apply for some Federal Bailout money. Well its only $700. But I will have to make some adjustments. Maybe I won’t go out to eat as much to make up the difference. The average cost for a Romeo Lunch is about $35.00. That would be about 20 lunches. However, I could do it in half the time if I used the advice that I got in a Plugger Cartoon. See attached.

See you soon. Anyone want to be my lunch buddy?

Mark