Property Taxes – Lowest to Highest by State sorted by dollars

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Property taxes and retirement are of high concern for most people who are getting ready to retire or are already retired. Modern Survival! With regards to taxes when you retire, your property taxes will amount to more dollars than any other tax that you will be paying. And they always go up! Sometimes alarmingly! When people retire, they typically spend less money and they no longer receive an income from an employer (or employment dollars lessen due to working part time). Therefore income tax rates for your state don’t matter so much as your property taxes. Similarly retirees tend to

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Tax Free Emergency Preparedness Supplies – Here’s how!

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Tax-Free Emergency Preparedness Supplies – Here’s how! It’s always surprising to find out how few people are taking advantage of what I call the preppers tax cut. I don’t know the full scope of how it hits nationally but I know many states in the Union participate in tax-free weekends for emergency preparedness. This is …

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How Much Are Your Property Taxes?

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We’ve recently touched upon things to do before you retire (5 Steps BEFORE You Retire) which included investigating the property taxes of a potential retirement location (because property taxes are always due, and they NEVER go down – only up). There certainly are parts of the country with much higher property taxes than others and […]

Australian Government Bleeding The Citizens Dry!

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“She’ll Be Right Mate” Not any more she bloody won’t, wake up Australia!!!

Government giving money to UN & Indonesia whilst Australian citizens are homeless & living on the streets. Pensions cut, age of pension entitlement increased, Rates hike & more. 

PLEASE sign & share this petition. Is The Australian Government Lawful?

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Please share this post widely for all Australians.
Thank you.
Regards, Keith.


Violence & Mayhem Australia Today. Random Thoughts.

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Violence & Mayhem Australia Today. Random Thoughts.

Why are we seeing so much mayhem in Australia, it seems that every day now there is another report of murder, stabbings, king hits, rape, home invasions & more. Obviously this is not right, not excusable, but can it be understood?

Let’s take a look at what our own government is doing. It has prioritised mining over farming; some farmers have given up fighting & have committed suicide. Protesting has been banned, made illegal so if the people try to back the farmers & “Lock the Gate”, they can now be arrested & charged. The police are now a law unto themselves, & unless someone records their crimes on video, then they get away with it. The people did not vote for mining to be prioritised over farming, why would they? They did not vote to have protests banned, made illegal, why would we? There was no referendum, no one was asked, does this sound like democracy or dictatorship?

I am not saying that all this mayhem & violence is happening because we have a corrupt government who is in itself committing crimes, & that the people who have a tendency toward violence & crime see this as a green flag to do what ever they want, but it is something to think about.

Why are Australian citizens allowing this government to “rule” us in this way? Why are they allowing the degradation of our environment & the loss of many of our rights? Our own constitution is being ignored by this government, a government by the way that is in fact a registered company in the USA! We have two main political parties, neither are better than the other, so when it comes to voting, we are stuck between a rock & a hard place. This year, 2016 the people showed their displeasure by voting independent, & what happened? The Liberal party got in yet again!!!

So, voting for your/our preference does not work, it changes nothing. The same corrupt government is still in power & the Australian people are doing NOTHING about this. Why? In other countries the people simply do not allow this corruption to continue, they rally their numbers & sack the government. We NEED change, we need to sack this government & the whole corrupt system & put something in place that allows the people to have a voice, to have a choice. What is it going to take to make the Australian people say “NO MORE, ENOUGH”?

There are crook police officers committing crimes & there are good police officers that are not prepared to blow the whistle on these bad cops, why? Because if a good cop blows the whistle on a bad cop, he loses his job. He will not be sacked, but he/she will be shunned by all other police officers Australia wide. He/she will be forced to quit the police service. This needs to change, but how do we change this? I do not have an answer for this, but this is the big problem with the whole government system. People are for ever saying “Don’t allow this” “Do your own thing”, but it is not that easy. We are a minority who care, but a minority has no power. We have to pay the ever increasing local council rates/taxes despite the fact that many of us receive no or few services for those rates, because if we refuse to pay, the council will actually evict us from our own homes & sell our property.

I realise that services & road maintenance have to be funded, but should there not be some check & balance? If a retired couple can not afford to pay the rates on their own home, why should they be forced to sell the home that they worked so hard for? After all the years of working & scrimping & saving they are now forced to live in a city or town & pay rent? Does this make any sense?

So we ask ourselves why is there so much crime, so much violence. Why is there so much sadness & depression? I think our society is starting to break down. We are losing human rights every day. New police powers take away citizens rights. They may have been introduced in order to maintain order, but in fact there is no check & balance here, the innocent are affected as well as the criminal element. Did banning certain firearms stop crime or even reduce crime? NO! Yet again the law abiding citizen pays the price. Who has these banned firearms now? The criminals have these firearms because they did not hand them in, they are NOT licensed, they are NOT listed in the gun registry!

So where are we heading? Less farms, less farmers, less food, less rights. Slowly but surely we are being herded into a position where eventually we will not be able to resist even if the majority of Australians grew a spine & decided to do something! Some people say “well if you are not happy with the way things are, why don’t you move somewhere else?” My answer to that is, that there is no better place to move to, no place that has the potential that Australia has for being a great place to live in. We have the room, we have the space. We have less people than anywhere else in the world given the size of Australia, but we need to regain our rights, our freedoms. Yes there must be law & order, but it must be tempered with common sense & research. Knee jerk reactions by the government to certain incidents have to stop. We need to have some professionalism introduced into the making of legislation. We have The Greens who appear to be promoting drugs & at the same time recommending that law abiding Australian citizens should be disarmed! How crazy is that?! Do they think that much of the crime is not linked to drugs & illegal gun use? Right now ignorant people are making these decisions for us, & it is not sensible, it is not right or fair & above all it is bloody stupid!

Basic Fraud – AUSTRALIA – THE CONCEALED COLONY.

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As per the saying “The Truth Will Set Us Free”!

Please feel free to investigate and do your own due diligence of our website – especially the documented evidence.

We have verified information concerning:

* How all the Prime Ministers and all the Politicians appointed within Australia since 1919 have been invalid and their positions illegal and that most of these politicians have known this fact, but hidden the truth from the nation.

* Why every Australian Federal & State Politician, Judge, Magistrate, Defence Force Personnel, Federal & State Police Officer, Sheriff, Local Mayor have all been committing Treason against the Australian people.

* Why the appointments of the past Governors-General since 1919 have been invalid.

* Why Queen Elizabeth II has NO legal authority or power over the government’s of Australia, Canada or New Zealand (and in reality, very little over Her own government).

* Why most of the Australian politicians and judges have continued for decades to defraud the people of Australia.

* How the Australian Taxation Office has no legal authority to collect taxes.

* Who really owns the Reserve Bank of Australia?

* Why the Australian Banking system is ripping off the Australian people and deliberately profiteering from their financial misery.

* Why politicians in countries like Australia, love complicated Tax Systems.

* What is a Debits Tax, what it would mean to the average person and why the Government avoids discussing it?

As we will be continually updating our information, we recommend that you constantly refer back to our website.

Imagine, A World Without Taxes (Here’s What It Would Look Like)

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Imagine, A World Without Taxes (Here’s What It Would Look Like)

Imagine living in a world without taxes. Granted, that’s a bit unlikely to happen, considering mankind’s long history with taxes. It seems that taxes and government go hand-in-hand. It doesn’t matter if you’re talking about the old European feudal system — where Barons and Earls taxed the serfs and merchant caravans crossing their lands — or you’re talking about modern socialistic and democratic governments. All governments tax. Not only does it give them a source of revenue, but it gives them a way of controlling the people.

Nevertheless, let’s indulge our imaginations for a moment and think about the difference that would make to live in a tax-free society. While I don’t expect ever to find such a utopia, seeing what it would be like will show us what taxes are doing to our society.

The first thing we’d all see is more money in our pockets. While the figures from various government watch agencies vary, right now, the average American family pays about 43 percent of their income out in taxes of one sort or another. That’s a lot higher than we expect, mostly because our tax bill is broken into many different pieces. We see the obvious ones like income tax, property tax and sales tax, but there are many, many more.

With an average family income of about $53,657 in 2015 (according to census bureau data), that works out to the average American family paying $23,073 per year in taxes. While this number rises and falls with the political winds and the unstable economy, just knowing that some of us pay out more than $23,000 per year in taxes is shocking enough.

Get Out Of The Rat-Race And Make Money Off-Grid!

So, if we were to eliminate all of those taxes, you would suddenly have an extra $23,000 that you could use, assuming that you are the theoretical average family. So, what would you do with it?

I’m sure if we polled ourselves, we’d find all sorts of noble sentiments about how we would use that extra money. Some would talk about saving for retirement, putting their kids through college, giving to non-profit organizations and otherwise making the world a better place to live. But let’s be honest, while all those things are great ideas, the reality is that if we had an extra $23,000, we’d probably spend it.

Imagine, A World Without Taxes (Here’s What It Would Look Like)We’re all much better at spending than we are at saving, and we can always find something that we need to spend extra money on. No matter how many noble intentions we have, a raise in income generally means a raise in our standard of living, not in our standard of saving.

Now, that’s not all bad. Spending money is actually good — good for the economy, that is. One of the major reasons that our economy has been stagnant since the 2008/2009 housing bubble crash is that people and businesses have been afraid to spend money. If there’s one thing that Obama has been good at, it’s getting people to stop spending.

That lack of spending is costing people jobs. If it continues, it could lead to an even worse economy. You see, it’s not the amount of money that exists which make the economy work, but how much of it is moving around. We need that money moving around, creating millions of transactions per day where people buy and sell products and services, so that the money gets into other people’s hands and they can spend it, too.

Let me put it this way. Let’s say that someone has $1 billion dollars and they use it to stuff their mattress, instead of spending it, investing it or even putting it in the bank, so that the bank can invest it. That money does nobody any good. With no goods and services being purchased, that money doesn’t do a thing to help the economy … worse, it doesn’t do a thing to give people jobs.

Okay, so there are somewhere around 116 million families in the United States (2007 figures). If each of those families had an extra $23,000 to spend in a year, it would work out to $2,668,000,000,000. That’s $2.68 trillion dollars; enough to buy more 85 million cars, 7,473 brand new 747 jumbo jets, 2,151 new cruise ships, or to build the world’s tallest building, Dubai’s Burj Khalifa 1,778 times. We could even pay off the national debt in a little over seven years or pay off the combined student debt in less than six months if we so chose.

How many jobs would be created by all of those purchases? There’s no real way of telling. But it’s clear that the number of new jobs created by that much additional cash flowing through the economy would be significant. Granted, the government is putting that money through the economy right now, paying for a myriad of different products, services and entitlements. But no government spends money efficiently. They don’t have to; after all, it’s taxpayer money, not real money.

The point is, every dollar the government takes out of our pockets in increased taxes has to come out of something else. It doesn’t come out of some untapped pool of money that people are sitting on. That doesn’t even happen with the wealthy. Taxing them more, a favorite Democrat tactic, just means that they don’t invest that money in other money-making ventures. In other words, they don’t give people jobs.

Imagine, A World Without Taxes (Here’s What It Would Look Like)Ultimately, it is the government that controls the economy and thereby controls jobs. Not by the Fed’s discount rate, as everyone assumes, but by the policies that they make, taking money out of our pockets in the form of taxes. They also control inflation, taking more money out of our pockets by creating money out of thin air in schemes like quantitative easing. So, when people complain about the lack of jobs; what they’re really saying is that the government is hurting the economy too much.

Taxes — all taxes — have a negative influence on the economy. But we really can’t get rid of them. We need the government, although we probably don’t need as much government as we have. Yet governments don’t shrink on their own; they only grow. New departments are created, requiring funding and causing more tax increases. Eventually, the people revolt or the economy reaches a point where it can’t support the government — and it collapses.

Plant A Full Acre Of Food With This Emergency Seed Bank!

Since we need our government, that means we need taxes, too. In fact, the Constitution gives the federal government the right to collect taxes. It says, “The Congress shall have power to lay and collect taxes, duties, imposts and excises, to pay the debts and provide for the common defense and general welfare of the United States; but all duties, imposts and excises shall be uniform throughout the United States.”

So fine, let them collect their taxes and let them use them for the common defense and the general welfare of the United States. But that’s it. Let’s put an end to pork barrel spending, research grants for useless things and other wasteful government spending. Let’s stop giving millions away to our enemies, so that they can chant “Death to America.” Let’s stop with all the departments of the government that only exist to take away our freedoms and so that the bureaucrats can tell each other how important they are. Let’s have a reasonable government and reasonable taxes.

Maybe then, our economy could return to the robust, growing economy of our parents’ generation. We would see our children have a better life than we have and we could expect their children to have an even better life than that. Maybe then, the people of the United States of America would become prosperous once again.

Do you agree or disagree? Share your thoughts on taxes in the section below:

More Than 90 Percent Of Customers Won’t Get Their Money When There’s A “Run On The Banks.” Read More Here.

Don’t Make These 4 Financial Mistakes!

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common financial mistakesThere are a few issues rarely mentioned on popular survival blogs and forums, and one of them is finances. A discussion of everyday carry, best household defense weapon, or bug out locations will have thousands of responses, but finances? Yeah, silence.

The health of any household rests on financial stability and it makes sense that a serious prepper would take financial survival just as seriously as any other survival component. That’s smart prepping and smart living, regardless of future events.

In my current work on a financial survival book, working title: The Frugal Family’s Almanac, I realized just how frugal I am, with my main splurges being restaurant meals when I’m too busy to shop for groceries! However, as a small business owner, I’ve made plenty of financial blunders over the years and have had to learn some difficult lessons the hard way on our journey toward financial survival. From my own experiences, here are 5 that have had the most impact on me and my family.

1. Not tracking expenses for tax purposes

I’ve written about the importance of staying on top of taxes, but over the years, I have a less than stellar record in this particular area. When you have a young family, homeschool, and run a business, inevitably something important falls through the cracks and a few times, it was the records I kept for my quarterly and annual tax reports.

Panic-stricken, I would shuffle through manila envelopes filled with miscellaneous receipts, track down check book registers, and comb through 12 months of bank statements and scattered mileage records. Those harried scenes could have been avoided if I had used a system for organizing receipts and jotting down mileage and expenses, I could have sailed through each and every tax season with ease.

Fortunately, my tax professional, Suzanne, was not only highly competent but ever so patient with me and my last-minute drop-offs at her front door.

2. Not staying in touch with Suzanne throughout the year

If you have an accountant or have used a tax service, such as BlockAdvisors, you are probably in touch with them only once or twice a year. That was my relationship with Suzanne, until I wised up.

One year she phoned us, late on April 13, and asked us questions about home improvements we had made the prior year. She explained that we hadn’t reported anything to her in that category but high-ticket improvements to our home were tax deductible. My husband and I quickly scrambled to find documents for the updated lighting and new flooring we had installed ourselves, we saved a bit on taxes, and learned that contact with Suzanne was something we needed to do throughout the year, not just the first week of each April.

When our move to Texas was a sure thing, I got in touch with her regarding any tax issues I might need to deal with in Arizona. She advised me on the need to, ahem!, keep records of our move since many of them would become tax deductions.

If you have a tax professional and they have proved themselves to be smart, reliable, and up to date with everything tax related, I encourage you to stay in touch with them, especially if you anticipate any of these events in the coming year:

  • Getting married or divorced
  • Having a child or adopting one
  • Start a business
  • Change jobs
  • Searching for a job
  • Retiring
  • Moving
  • Inheriting money or property
  • A tax audit
  • Bankruptcy
  • Home foreclosure or short sale

3. Underestimating our taxes owed

If you are an employee of a company and only file a W-9 form with the IRS, you will never know the joy that comes with figuring your own taxes and paying them directly to the federal government. Since my husband and I have both owned businesses over the past 20 years, we get to experience this multiple times each year.

Some years I underestimated my earnings and taxes owed. Trust me, you never want to be surprised with a huge tax payment, even if you have a healthy amount of savings set aside. Before we connected with our own tax professional who could give us reliable tax advice, we were just winging it, and two years in a row, I cried when faced with several thousands of dollars owed. My bad.

And, it’s not just underestimating taxes that causes problems. Underestimating the cost of health insurance, the financial impact of insurance deductibles, miscellaneous expenses related to our kids sports and school activities, and the list goes on.

Now, I keep track of earnings, estimated taxes, and over-estimate how much money we’ll need, and that’s where a focused savings plan comes into play.

4. Not establishing saving money as a top priority sooner

When we became serious about preparing for an uncertain future, it was obvious that financial stability was going to be a part of those preps. At that time, we got serious about cutting down on expenses, finding ways to earn more money, and then saving as a priority. It made sense to me that another significant downturn in the economy, from “minor” to a complete collapse, required us to have no outstanding debt, money in the bank, and multiple sources of income.

Now, as soon as any money hits our bank account, I transfer as much as I can into savings. Now, that isn’t a way to get rich, since savings accounts pay virtually no interest, but it’s important to have enough liquid cash on hand for emergencies and that “6 month living expenses” financial advisers recommend.

I just wish we had started all this a few years sooner.

What did I do right?

I’ve made plenty of mistakes with managing finances, but I always had one Ace in the hole. I’ve always, always had a side gig. When I was a trainer for a large school district, I started a direct sales business. That business became so successful that I was able to quit my school job. As time passed, I started The Survival Mom blog and that income allowed me to leave direct sales. Now that I have a successful internet-based business, my next side gig is going to be teaching others how to blog for profit.

READ MORE: “3 Strategies to Making More Money from Your Side Gig

Improving your own financial survival will always be about saving a little more, spending a little less, and earning a little, or a lot, more. There are no shortcuts. Professionals can come alongside you, such as those at BlockAdvisors, with information and assistance throughout the year.

Disclosure: BlockAdvisors compensated me for my research and writing this article. 

common financial mistakes

This Will NEVER Happen In Australia!!!

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This will never happen in Australia, because the majority of Australians don’t give a damn about other Australians. The government has done a good job of dividing us, but our apathy made it very easy for them to accomplish this. 
Australia, once the lucky country, is now a lost cause.
Congratulations Icelanders, well done!


Warning: What You Can Do About Tax Return Fraud Right Now

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tax return fraud

I’ll never forget coming home after a fun beach vacation and finding a welcome letter from Zales Jewelers in our mailbox. Zales wanted to thank my husband for opening a credit account with them and they thoughtfully offered a second card for my personal use.

Problem was, we had never purchased anything, ever, at Zales!

If you’ve ever been the victim of identity theft, you know the unsettling feeling of knowing someone out there is using your name, birthdate, and Social Security number to make unauthorized purchases. They have their crime honed to a fine art and they are difficult to catch.

I was surprised to learn that tax season presents yet another vulnerability to us consumers: tax return fraud Just a few weeks ago on my neighborhood’s forum, several residents complained about getting phone calls from someone claiming to be with the IRS. The person on the other line wanted personal information because, they said, the IRS was filing a lawsuit for past taxes!

In fact, the goal of these fraudsters is to get your Social Security number, in particular, so they can file a claim and, hopefully, get your tax refund! And, they can access your personal information in other ways besides a direct phone call.

You know that public wifi you use at Starbucks or Chick-fil-A? Shockingly, about 7% of folks who file their taxes online do so on a public wifi system, making it even easier for identity thieves to steal their information.

Sometimes we are so trusting. Too trusting.

These scammers use whatever personal information they can glean and then file a tax return, using your information! They make up details about your employer, deductions, dependents, income and more, and in some cases, just copy and paste random information into one return after another!

You won’t know if a false return has been filed using your name and Social Security number until it’s too late. Once your actual return has been filed, you’ll get a letter from the IRS, letting you know of a duplicate return under your Social Security number, or the letter may state that you received wages from an employer you’ve never heard of! The letter might even state that you have a balance due or that your account is now in collections.

All very unpleasant and unwelcome, to be sure.

Even those who are very diligent about checking their credit reports each year and faithfully reviewing bank and credit card statements may find themselves dealing with one fraudster after another. When a false tax return is filed, though, that puts the issue on a whole new level.

In February, 2016, a sophisticated attempt was made to generate E-file PIN numbers for stolen Social Security numbers. The criminals used malware, in this instance, and had over 460,000 Social Security numbers on hand. They were able to create PIN numbers for 100,000 of those! That’s a lot of innocent taxpayers being victimized on the IRS website, itself!

The IRS is aware of tax identification fraud and has taken steps to address the problem. You’ll notice new security requirements when preparing and filing your taxes online. That may not be enough, however. We’ve learned that the IRS sometimes has a hold time of more than 2 hours for phone calls. Last year, right around tax time, the IRS commissioner himself, admitted that the agency’s service was so bad that over 60% percent of phone calls went unanswered altogether.

Is there any way to protect yourself?

It doesn’t appear that we’ll be able to depend on the IRS for much substantive help when it comes to tax return fraud, and in many cases, there’s nothing the consumer can do to protect themselves. That leaves tax preparers on the front lines to battle this type of fraud.

In the case of Block Advisors, their Tax Identity Shield was established in 2015, specifically to address this growing problem. For taxpayers using Block Advisors to file their taxes, there is a small, additional fee for the protection that Tax Identity Shield provides.

This is a helpful service because too many of us are already bewildered by the most complicated tax code ever invented by humans, and tax filing season is already a highly stressful time of year. You may or may not even know that the IRS offers an Identify Protection PIN. This is one way to deter identity thieves, but getting the IP PIN isn’t a cut and dried process, since it depends on where you live and what kind of ID theft you’ve already experienced.

Tax Identity Shield can guide you through the process and, in fact, do the footwork for you, even before the actual filing of your taxes. Here’s what you can expect:

  • A security scan of your personal information to check for the potential of tax identity theft risk.
  • Personal advice throughout the year, along with tips and education to reduce the risk.
  • Help with obtaining an Identity Protection PIN from the IRS.
  • Early detection of any fraudulent returns in your name.
  • In the case of tax identify theft, give Block Advisors copies of any communications received from the IRS, and they will work with you through the process of getting your identification reinstated.

This yeear, Block Advisors is offering a nice bonus. Now, through March 31, receive an introductory offer of 50% off what you paid your tax professional last year. (Minimum $100 charge). This discount will offset the fee of their Tax Identity Shield, if you choose that protection.

Avoid tax return fraud with these steps

In the meantime, here are a few things you can do on your own to avoid becoming a victim:

  • Be highly skeptical of anyone calling or appearing at your front door, claiming to be with the IRS.
  • If you do get a phone call from “the IRS” check your caller ID. In some cases, these scammers can actually manipulate their identification to make it appear legitimate.
  • Run malware programs on all your electronic devices and install a good security software system.
  • File your tax return as early as possible to deter fraudsters from filing before you.
  • Read this IRS publication, “ Security. Together.”
  • Set up fraud alerts with the 3 major credit bureaus.

I never cease to be amazed by the criminal mind. I’m horrified by the thought of thousands of electronic scammers working tirelessly to steal from hard working Americans and when that money is a refund coming from the tax collection agency, money you overpaid, that somehow makes it even worse.

Please use the tips in this article to protect yourself, your loved ones, and your hard earned money.

Disclosure: BlockAdvisors compensated me for my research and for the writing of this article. 

tax return fraudx500

 

Monday Mania – 2.8.2016

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In this weeks edition of Monday Mania: What Would It Take To Go Completely Off Grid, Evac Strategy: How To Create a Coordinated Bug Out Plan, Preppers – Foot Care is a Top Priority, In A Crisis, Your Paper Dollars Are Worthless: “Real Goods Are The Real Money”, & 9 More Monday Mania – 2.8.2016 Yesterday there … Continue reading Monday Mania – 2.8.2016

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