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27 minute read
How to open and sustain a small business
ents and using their opinions to make a product or service better can ensure repeat business.
Small business success comes down to recognizing that it takes continued work to keep operations afloat. Knowing what supports a business is essential to its longevity. (MC) \
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Opening a small business can be an exciting time in the life of an entrepreneur. Part of that excitement no doubt stems from the financial risks associated with opening a new business.
Keeping that business growing and thriving takes effort, but the results can be rewarding.
It is reasonable to feel nervous when starting a business. Information from the U.S. Bureau of Labor Statistics indicates that about 20% of small businesses fail within a year of opening. That number climbs to 50% after five years and 70% by year 10. While it’s essential for small business owners to focus on getting their businesses off the ground, it is equally important to consider the strategies necessary to keep that business afloat for the long haul. Find an industry with staying power
Statistics indicate that health care and social assistance businesses have longevity. The BLS indicates businesses in the construction, transportation and warehousing industries do not enjoy the same staying power. After the fifth year in business, about 35 to 40% of these industries will survive. Opening a business in an industry where the stats are on your side can be a savvy move. Access capital
Quite often businesses fail because of lack of access to cash to sustain their operations. Fundera, a small business lending marketplace, advises that a large percentage of small business owners who apply for bank loans from big banks get rejected.
In addition to raising capital through daily operations, businesses may have to turn to alternative lenders.
Alternative lenders are typically companies, but not banks, that operate primarily online to quickly approve and distribute funds. Many are comprised of peer-to-peer lenders. According to a study by Harvard Business School, most major alternative lenders offer full loan applications online on desktop or mobile that take 30 minutes to complete. Keep in mind that interests rates typically are higher with these lenders than with traditional banks. Stay efficient
Small businesses can grow by maximizing operational efficiency and eliminating unnecessary duties. Efficient business owners delegate tasks to employees so they can keep their own management and business-growing priorities in order. Build a strong brand and emphasize customer service Whether a large company or a mom-and-pop business, building a trustworthy and reputable brand can help sustain a business for years to come. It is key to keep a business fresh in the minds of consumers. This can be achieved by making small changes dictated by evolving markets and/or offering new products or services.
Forbes says employee interactions are also key to building loyalty among customers. Keeping in touch with cli
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Senior Living By The Beach!
Escape the heat and enjoy the temperate climate in Ventura by the ocean! 3 bed, 2 bath. Lots of natural light, turnkey beauty!
SALLY FISHER CalRE#01444989 (818) 268-2200 www.VEntuRaSEnioRCommunity.Com
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Owned by a subsidiary of NRT LLC
Canyon Country View Home
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Sky Blue Track 4 bedrooms 2 baths Covered patio 2-car attached garage
Gail Kopp Broker Associate DRE # 01059833 Realty Executives SCV 661-313-4062 19744 Merryhill Street, Canyon Country 91351 FEBRUARY 9, 2020
REAL ESTATE I f buying a home is on your near-future to-do list, experts say that 2020 may be a good year to make it happen. Mortgage interest rates are near historic lows, providing you with the opportunity to finance a new home purchase at a much lower cost.
According to a new forecast from Freddie Mac, mortgage rates will stay in the 3-4% range for all of 2020 and 2021, giving prospective homeowners substantial time to plan their purchase. This, combined with modest inflation and a solid labor market, makes for good climate to buy a home with a fixed rate mortgage. For those who are already homeowners, refinancing now may be a good idea. “For those serious about homeownership, today’s sub 4% mortgage rates should not be taken for granted,” says Freddie Mac chief economist, Sam Khater. “For comparative purposes, in 2000, rates averaged eight percent; and in the 80s, they spiked to 18.5%.” Khater stresses that while mortgage rates are an essential factor to consider in the home-buying process, there are other important items to think about as well as you lay the groundwork for your purchase.
These include getting a firm handle on your finances, knowing your credit score (and taking steps to boost it if necessary) and familiarizing yourself with down payment options.
Whether you are making the jump from renting to owning, or looking for a home that better meets your current needs, now may be a great time to consider making your real estate dreams a reality. Today’s low rates could save you money for years to come.
For more information and tools on home buying and homeownership, visit myhome.freddiemac. (Statepoint)\ This may be the year to buy a home
BEAUTIFUL MOUNTAIN HOME!!! Anthony Bedgood DRE# 02006273 661-523-2564 Anthonybedgood@gmail.com Are you looking to get away from the hustle and bustle of the crowded city life, whether its just for the weekend, or PERMANENTLY? Come and look at this home in Pine Mountain Club, Santa Clarita's best kept secret! !is 2,304 sq " Log Cabin home has rural charm mixed with practical layout and a LOT of STORAGE!!. Large Covered Front Porch! 3 Bedrooms plus a Bonus Room. 1 Full bath and 2 half baths. Master bedroom on the top #oor as well as a recently converted Master Bedroom on the bottom #oor. !e property is just over a Quarter Acre of USABLE land! Also, close to the heart of Pine Mountain Club where you will enjoy restaurants, the local festivals, golf course, hiking trails, and much more! FANTASTIC VACATION HOME, OR PERMANENT RESIDENCE!!! Come see for yourself!!!!
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Let’s Make A Deal
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4 beds 3 full baths~ 3,194 sq! ~11,217 sq! lot. Built in 1987 Single Family Residence. Magni"cent VICTORIAN one of a kind home with studio above garage could be yours. Exquisite detail from the moment you enter...
Suzie Wing Wood DRE# 01826800 661-609-6666 csjwood@aol.com
Beautiful Property ~ Beautiful Home
35356 Sierra Vista Dr, Agua Dulce 91390 $1,099,000
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Country Estate on easily one of the most beautiful pieces of property in all of Agua Dulce! Single story, Hacienda style ranch house, 4,080 sf, 5 Bedrooms/4 bathrooms. Spacious kitchen with Center Island. Formal Dining room. Family-room with raised hearth !replace and wet bar. "e Master suite has a !replace & giant walk-in closet. Absolutely stunning park like 7.2 #at and usable acres is completely fenced and private. 3 car garage. Incredible views from everywhere on the property. "is property will not disappoint. Marilyn Garner State Lic: 01484482 Office: 661-904-1323 www.MarilynMerlotinSCV.com MarilynMerlot@sbcglobal.net
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4+5 – 2942 sq !, Gorgeous executive home behind the gates in West Hills. Lo! room with private bath could be 5th bedroom. Downstairs bed and bath with private entrance. $759,000 Gorgeous Executive Home
Dean Cox RE/MAX of Valencia CalBRE #01331788 661-644-6120
Beautiful Updated Estrella Vista home with solar! 4 bedrooms,3 bathrooms and a separate air conditioned Casita! Many upgrades. Entry with Custom Tile. Wrought iron staircase leads you upstairs to a huge loft. Formal living room and dining room. Kitchen updated with granite and stainless steel appliances. Downstairs bedroom and full bathroom. Beautiful views of the mountains. Wonderful back yard with a spa included. $749.900 28462 Redwood Canyon Pl Saugus, CA 91390
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CARLOTTA LEVY “You deserve to be treated like Royalty!” Phone:(661)714-3559 bobandcarlotta@sbcglobal.net Dre# 01311715
Santa Clarita Valley
Beautiful Cra!sman Home in San Gabriel 125 Country Club Dr $1,788,000
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5 BD | 3 BA | 1 HB | 4,475 SF Come live on the best street in San Gabriel! !is large, beautifully restored and updated Cra"sman home has (5) bedrooms, (3) of which are suites overlooking the San Gabriel Country Club golf course. !e family room has a #replace and view of the large deck, refurbished pool, and a park like yard with fruit trees. !e master bedroom has a dressing room and beautiful bathroom with a soaker tub, and great stall shower. (4) other large bedrooms are upstairs. (2) new HVAC systems, updated electrical, #nished basement, over-sized garage, raised boxed organic garden area and Koi pond make this home a must see!
Gary Wat THEAGENCY Cell: 626.236.2709 gary.wat@theagencyre.com CalBRE##01968039
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26477 Fairway Circle, Newhall, CA 91321 ELLIE LACY - (661) 341-6226 CalBRE # 0040871 - EllieCLacy@yahoo.com
!is charming unit features upgraded kitchen and baths. !ere is Pergo style "ooring thru-out and plantation shutters as well as dual paned windows. !e delightful entertainers patio is accessed by dual opening sliders and the setting for summer parties is exceptional. Lush landscaping gives added ambiance. !is Senior guard gated community is patrolled 24/7 and has all the usual country club amenities including two golf courses. !ere are clubs galore and a little theater group, a City of Hope chapter is a great way to get involved in the community as is the community church. Senior lunch program at the church is an added plus. Come join the fun! You can be as active as you wish or just enjoy the quiet life style....$475,000
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Located just 40 miles north of Los Angeles. 5 houses built on a high plateau with 360 degree unobstructed views of the Sierra Pelona Mountains and beyond. Built in 2009 the single story main house is 3+3, and is 2,908 sf of understated elegance. !e other 4, more rustic, houses range in size from 822 to 1,204 sf and are ideal for the ultimate family compound or corporate retreat. A huge resort style patio with pool & spa, Tennis Court, helicopter garage, airplane hangar, pond, mature trees and 3 wells are also included on the property. Sierra Bonita 80 acre ranch Located in Agua Dulce - $13,500,000 Marilyn Garner REALTOR® Lic. 01484482 Realty Executives Agua Dulce 661-904-1323 www.MarilynMerlotinscv.com SierraBonitaRanch.com
STARR JAMES DRE #02082408 (818) 517-3318 (661) 705-3200 starrjamesrealtor@gmail.com 6 beds 5 baths 3,674 sq ! 4 car garageBeautifully upgraded Hasley Canyon Estate. Travertine "ooring, crown moldings, plantation shutters, mirrored closets, surround sound and recessed lighting! Tons of upgrades throughout this spacious open "oor plan. Beautiful views looking down on the valley from every room. Private serene country setting with perfect backyard for entertaining. $1,250,000 Ask about a CASH BACK REBATE! PINNACLE ESTATE PROPERTIES INC
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Just minutes from SCV. Enjoy all 4 seasons on this 20+ acre ranch Home is 6247 sq. !. with incredible VIEWS $1,499,000 8072 Cuddy Valley Road in Frazier Park
23901 Windward Lane Valencia 91355 4 + 3.5 with 3,255 sq.ft, Fantastic Location/Community, Includes Spacious Loft and Office! Move-In-Ready! $848,500 Large Private Patio!!! Lake View Home in Valencia Bridgeport!
24106 Lyons Ave, Newhall CA Realty Executives Homes www.realtyexecutives-scv.com/agent/mary-ruiz
Annetta Kauzor DRE #01899575 661-998-9792 Mary Ruiz, DRE #01325024 661-714-5356
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For Current Price & Info Call 24 Hour Recorded Message 855-782-4521 ID# 9606 DRE 01819459 *COMING SOON* SCV POOL HOME www.19606GREENMOUNTAIN.info
FREE & Instant Access to all AVAILABLE POOL HOMES! • Private Yard • Pebble Tec Pool & Jacuzzi • Open Floorplan • Updated Bathrooms! • Updated Kitchen! • Lush Tropical Landscaping www.scvprivatepoolhomes.com BRANDON KING HOME SELLING TEAM
Opinion
Unless otherwise stated, the views and opinions expressed are those of the respective authors and do not necessarily represent the views of The Signal.
OUR VIEW
Kathryn Barger: A Strong County Voice for SCV
By The Signal Editorial Board K athryn Barger brings a common-sense voice to the Los Angeles County Board of Supervisors, and in that role has done an excellent job of representing the Santa Clarita Valley and its interests since she was !rst elected in 2016. "at makes this one of the easiest endorsements we’ll make in the 2020 election season: As you head to the polls for the March 3 primary, we heartily endorse Barger for re-election. County supervisors are non-partisan posts — that is, candidates are not identi!ed by political party. But the fact is, Barger as a Republican has a keen understanding of the need to work “across the aisle,” not only with her Democratic board colleagues representing the county’s other four districts, but also with the legislators of both parties who overlap the 5th District, which includes the Santa Clarita and Antelope valleys as well as La Crescenta and parts of the San Gabriel and San Fernando valleys. At 2,800 square miles, it’s the county’s largest district, including 22 cities and 70 unincorporated communities. Barger handles it all with aplomb. She is a caring and sensible representative who emphasizes helping the needy whenever possible, including the homeless and the mentally ill, while maintaining a healthy eye toward !scal responsibility. Barger has kept a steady balance on some of the most pressing issues, like homelessness. She has been in#uential in the county’s opposition to the Boise decision, which prohibits municipalities from removing homeless encampments unless there are enough beds to house every homeless person in the municipality. Barger recognizes that the Boise decision leaves municipalities hamstrung, unable to protect the quality of life of the general public by keeping public spaces, like parks, available for all to use.
At the same time, Barger is a powerful voice in the county’s e$orts, working hand in hand with the city of Santa Clarita, to address homelessness in a caring and compassionate way, notably in her e$orts to secure funding that has helped transform the SCV’s homeless shelter from a seasonal e$ort into a 24/7, year-round operation.
She has also fought to help the mentally ill, advocating against the county’s ill-advised decision to abandon plans for a new downtown jail that would have provided much-needed beds to treat those who are incarcerated and su$er from mental illness. Barger is also a strong supporter of local seniors, and was instrumental in bringing approximately $4 million in county funds to establish the new Bella Vida senior center, which has quickly become a crown jewel of the SCV.
In turn, she has her eye on using the former senior center in Newhall as a location for new programs and services, most likely helping our burgeoning veterans and arts communities. Kathryn Barger has been representing the 5th District in one capacity or another for more than 30 years, having started as an intern for former Supervisor Mike Antonovich and later serving as his chief of sta$ for 15 years. When her constituents talk, Barger listens and responds with solutions, whether it’s addressing Castaic residents’ concerns about tra%c or working to preserve open space.
As a supervisor since 2016, she has become a familiar face in the SCV, always keeping the interests of our valley in mind. We’re con!dent she’s the best choice among the candidates to continue doing so. \
ETHICALLY SPEAKING
Modern Marriage: What’s Love Got to Do with It?
By David Hegg M any years ago a popular song declared that “love will keep us together.” But apparently it doesn’t, at least not in its most popular form. "e statistical score card on relationships in America consistently shows that, even among those whose love brings them to the point of marriage, a little less than half of them stay together.
And while more songs describe it, and !lms display it, and societal norms rede!ne it to allow more to engage in its sexual component earlier and more o&en, we are watching the most essential elements of love get washed away by the tide of immediate grati!cation. What is missing from love in America in far too many cases is a radical commitment to the ethical essence that has de!ned love since the beginning of time: sacri!ce. Jesus said, “"ere is no greater kind of love than this, that a man would lay down his life for his friends.” "e ancients understood that Jesus was con!rming what had long been known and held tightly by societies across cultural and geographical boundaries. Love that is sel!sh, that is primarily looking for personal enrichment, may qualify as a type of friendship, but it does not rise to the level of great love. We all know that. Real love, “true” love as some might dream of it, is a life-dominating conviction that one will do whatever it takes, give whatever is demanded, in order to secure and sustain the well-being of the object of that love.
Marriage is supposed to be reserved for this kind of love. "e history of wedding vows testi!es to this. And, throwing aside all respect for those calling themselves “evolutionary psychologists” who are trumpeting the
bene!ts of serial monogamy (read: serial promise breaking), don’t we honor those whose hard work and commitment to relational harmony and family security has been secured by a sacri!cial extension of love? On our wedding day, we stand face to face and make promises to care for, and stay with one another until death. But it is apparent today that for far too many, these promises are the stu$ of tradition and ritual rather than the commitment of the heart.
I am not alone in seeing the erosion of marital commitment in America as signifying a far more serious decline in our national ethic. And yet, there may be an even more signi!cant indicator that we are quickly losing our understanding of love.
From 1973 to 2005 (the last year for which statistics are available), 43 million pregnancies were terminated legally in America. And while the politics of personal choice have dragged the issue of abortion into the legislative and government arena, at its core it is not a political issue. How we view a fetus — a baby in its mother’s womb — says almost everything about the level and seriousness of our understanding of love. Perhaps even stronger than the love between husband and wife is that visceral sense on the part of a mother to provide for, and protect at all cost, the heart that is beating within her. Today we would do well to re-examine just what the abortion debate is doing to us all. We could discuss the !nancial aspects of a multi-million-dollar, male-dominated industry whose only customers are women. We might also !nd it ethically pro!table to ask just why a disproportionate number of abortions, and the clinics that provide them, are to be found among
Contact: Tim Whyte, Signal Editor Phone: 661-287-5591 | Email: letters@signalscv.com Mail: 26330 Diamond Place, Suite 100, Santa Clarita, CA 91350
Opinion
BLACK& WHYTE
An Unforgettable, Snow-Packed, Swervin’ Road Trip
By Tim Whyte Signal Editor T here are road trips you’ll never forget. And I think any time you !nish an 1,100- mile roadie by going the last 80 miles through a driving snow storm on a two-lane highway in the middle of nowhere, dozens of miles away from help should you crash or get stranded, with your kid riding shotgun, it’s one for the memory banks. Our daughter completed her !rst semester as a freshman at Washington State University without having a car on campus. But, as a California kid, she found the lack of a car to be... limiting. When she came home for winter break, the full-court press was on. She wanted to bring her pickup to Pullman so she could do necessary things.
You know. Like driving 6 miles to get to the nearest Dutch Bros. co"ee joint, which is actually in an entirely di"erent state, in Moscow, Idaho. Or grabbing dinner at her favorite #ai food place in Pullman. Or getting her nails done. Necessities, all. So we gave in, and let her bring her truck up to Pullman for the spring, with the proviso that she agrees not to drive in extreme weather. I was, admittedly, a bit obnoxious and paranoid about it. She’s my little girl. I worry. We agreed that I would drive up with Brooke, get her settled in for the spring, then $y home. Heh. Spring. #at’s the furthest thing from anyone’s mind in January in east
the poorer ethnic minorities in our cities. If we were interested in mental health matters we might want to !nd out why a vast majority of women who terminate their pregnancies never lose those deep feelings of regret despite the passage of time. HEGG Continued from page 36
ern Washington. #e road trip in its entirety was a blast. #ere’s a lot of beautiful country between here and there. But those last 80 miles were an adventure of the white-knuckle variety. At least, they were for me.
It started snowing when we had 80 miles to go, and at !rst it wasn’t so bad. I was doing 55 mph and getting passed by more adventurous drivers. It wasn’t sticking, so the road was mostly just wet. But a%er 15 or 20 miles, it got more serious. It started to stick — not enough to require the tire chains I had thoughtfully purchased before the trip, but enough that the tire tracks in front of us were $anked by accumulating snow. I gripped the wheel tightly with both hands. I made Brooke turn down the car stereo, and soon a%er that I made her turn it o" altogether so I could concentrate and listen for signs of trouble. I didn’t want to take my eyes o" the road, so I asked Brooke how many miles we had le%. “Sixty-three,” she said. #e speeds dropped. #e situation felt sketchy to me, a suspicion that would be borne out when we passed two rolled-over cars, wheels up, in ditches on either side of the road. At one point I took my eyes o" the road and glanced over at Brooke. She was doing a word search. Flabbergasted, I said, “How can you be doing a word search at a time like this?”
And that became the routine, Brooke would point out. Without knowing, I kept asking her, every 10 miles, how many we had le%. She seemed at once amused and mildly irritated.
We were, fortunately, tailing a line of vehicles that included a couple big rigs that, although traveling slowly, were plowing quite a path through the snow. I stayed in their tracks, until the Prius in front of me decided he was going to turn o" the road. But before he made his turn, he came to a complete stop, right in the lane, with me and a long line of cars behind him and several inches of snow on either side of the tire tracks we were following.
I hit the brakes. Anti-locks kicked in. #e Prius was looming larger and larger in my windshield. I had to swerve to get around him. #e swerve caused me to hit snow, which caused the rear end of the truck to !shtail out from under me. “We’re going to crash,” I thought. I steered into the !shtail, !rst one way, then the other, got past the Prius while I cursed him and his sissy eco-friendly vehicle, then pulled out of the double-!shtail, got the truck pointed straight and fell back in line in the big rigs’ tire tracks. #e best former dirt trackers in NASCAR would have been proud of my awesome display of car control. I glanced over at Brooke. She was calmly gazing out the window at the scenery. “Must have !nished her word search,” I thought.
I tried to calm my nerves, and clicked o" those 10-mile intervals, until we !- nally hit the outskirts of Pullman, a terri!c college town that by this point was blanketed in snow. It was picturesque. On the way to our hotel we stopped at Brooke’s dorm to drop o" a few of her things, navigating the hills of that very hilly campus as the truck’s all-weather tires struggled to !nd traction. A%er leaving the dorm, I noticed that some Very Creative College Students had built a tall thing of snow. But it was not a snowman. It was a snowman part. Yes. #ey built a giant snow penis, with all of the, ahem, accoutrements. Ah, college. When we got to the hotel, once I was safely parked for the night, I said my !rst words about our close call with the inconsiderate Prius.
I was expecting kudos from the kid. Something like, “#anks for saving both our lives, Dad. You’re awesome.” I love my daughter. She’s the best. And she has a wicked sense of humor. “I wasn’t that impressed,” she said. “When I was in Big Bear a couple weeks ago, one of my friends was doing that just for fun.” Oh. Tim Whyte is editor of !e Signal. His column appears Sundays. \
But as pro!table as those discussions might be, my object here is simply to suggest that the abortion issue is really about the nature of love. To think that 43 million termination decisions were made by those whose natural instinct was to love their baby tells us something so heinous about the ethical environment we are fostering in America today. We are losing our sense of love as a radical commitment to the welfare of another, whatever the cost. In the case of a pregnancy, we must get back to the place where we can say, “Greater love has no mother than this, that she is willing to lay down her life for her baby!”
And while the scienti!c community, and those involved with the political issues surrounding abortion continue to debate the exact time when life begins, I think it’s time to change the subject. Bob Casey, the late Democratic governor of Pennsylvania, summed it up perfectly: “When we look to the unborn child, the real issue is not when life begins, but when love begins.”
I’m praying America is wise enough, and strong enough, to really love again.
It’s tax season somewhere THE VILLAGE IDIOT By Jim Mullen Signal Contributing Writer S ometimes, I wonder how they pay their taxes in different countries. In Russia, two big burly guys probably knock on your door and say, “Give to us all the money you haven’t hidden yet.” Then they pocket some of it and give the rest to some appa ratchik, who pockets some of it and then passes it along to some other official, who takes a cut.
On and on and on it goes until, at the end of a long road, it goes to the government. The Russian govern ment then takes that money and uses it to pay for things like snow plows and secret prisons.
Of course, that is not true. The Russian process of collecting taxes is probably very similar to our own. With similar results. Well, their penalties for not paying may be stiffer; as far as I know, the IRS doesn’t employ a firing squad. Yet. If there’s one thing almost every one can agree on, it’s that they don’t like the way the government spends their hard-earned tax dollars. Or even their inherited tax dollars. The other thing almost all people agree on is that they don’t like all the hoops they have to jump through just to file their taxes.
Whenever someone claims that the government never created a job, I always say, “Not true — they cre ated H&R Block.” Not to mention the tens of thousands of accounting firms across the country, and entire departments within large corpo rations that do nothing but “tax compliance.”
Some people say this puts our country at a competitive disadvan tage with other countries.
Those people have never been to France, Germany or any of 60 other countries that make our complex tax system look like a game of Go Fish. Their systems are more like 3-D chess.
Their total corporate taxes may end up being lower than ours, but that doesn’t mean they’re simpler to calculate.
Why can’t we make the ordeal of paying taxes simpler? Most of us don’t mind paying for necessities like roads, schools, police, firefight ers, EMTs and the military — what we mind is making it so difficult. Just let us write a check and stop mak ing us fill out forms.
We have created a system that reminds me of getting a letter with a 50-cent stamp on it that tells me that I owe someone 13 cents. Not only is it a waste of mon ey, it’s a waste of time and paper. And this is in the age of com puters, when it should just take a simple click to avoid this kind of nonsensical book-balancing. We’re not alone, either: “Fill this out in triplicate” is the motto of govern ments the world over.
If the government spent $10 to collect $9, they would (one can only hope) stop it. The trouble is, they aren’t spending that $10. You are. It is costing you, the taxpayer, time and money to file your taxes — not the government.
What’s their incentive to stop do ing business as usual? Maybe a law that makes members of Congress prepare their own taxes would do the trick.
Do you remember voting for something called “Schedule C”? Do you know what a 1099 is? My accountant does. I don’t. And this, they tell me, is just the basic stuff. Yet somehow this byzantine system has endured, and even changes each year.
And here’s the strangest thing of all: The government knows how much tax I should be paying before I fill out the forms. I know because for the past few weeks, I’ve been getting tax documents in the mail. If I make a mistake, they’ll know. After all, they get the same docu ments I get.
So why not just send me a bill every year? If it looks OK, I’ll send them a check. If not, I’ll call the accountant.
Contact Jim Mullen at mullen. jim@gmail.com.
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