In the world, nothing can be said to be certain except death and taxes.
– Benjamin Franklin
Putting a quote at the top of a page is an old trick, one that serves several useful functions. First, it takes up space, which is the primary goal of all writing. Second, it creates the illusion that I’ve done a lot of quality research, scouring the great works of history to find just the right sentiment or philosophy to tie together whatever it is I’m trying to say. And third, nobody ever argues with Benjamin Franklin, so it’s a safe place to start. For example, he also said, “Tis a well spent penny that saves a groat.” See what I mean? A little while ago, when I read that for the first time, I found myself nodding in agreement, even though I have no idea what a groat is, or why it might need saving.
Franklin was one of the Framers of the Constitution, a role that is today glorified by many Americans, way more than it deserves to be. After all, the hard part about a constitution is coming up with the right words and memorable phrases, and making sure everything makes sense and is spelled correctly. Picking out a nice frame is really not that difficult.
The original document, written in the late 1780s, said little if anything about an income tax. But things tend to change over centuries, and the United States is now strangling itself in a jungle of strange and tortuous tax laws.
As usual, Canada has imitated its southern neighbor in all of the worst ways, including a bizarre collection of codes and regulations that were apparently designed to provide an endless income for people who prepare tax returns, conductors of financial workshops, and companies that manufacture printer ink and toner. And, of course, there are the inevitable loopholes.
One of those loopholes allows individuals and businesses to delay claiming certain expenses until a later year, when doing so will provide a larger refund, or at least a smaller tax bill. The result is that they’ve avoided wasting something that, under different circumstances, would be an advantage. This method of saving deductions for the future is called a carry-forward. There are also options for carrying back certain credits in order to offset profits from previous years. In fact, there seems to be no limit to the magical things a person can do to avoid paying taxes, as long as that person can afford a high-priced accountant, and won’t buckle under every time they get a letter from the IRS or Revenue Canada. I can’t afford even a mediocre accountant, and those letters always seem to arrive right before my birthday. That can squash any desire to celebrate, especially when they use scary terms like interest and penalty and imprisonment with such thoughtless abandon.
Still, I find the basic concept appealing. Imagine if we could re-allocate wasted time. When I think about all those summer vacations I spent playing freeze tag and kickball, I could cry. There was even a game called Hit the Stick, a name that suggests it was invented either during the Great Depression or by somebody in prison.
What if I’d had the option of filing a form that allowed me to carry forward that time to some future date, when my brain would have been more developed and less inclined to fritter away precious weeks and months? If I could recover just those hours I squandered playing Hit the Stick, I could probably go to college and get a degree in something useful.
And then there were all those sunny Saturday afternoons I devoted to sitting in a dark theater and watching Mary Poppins, Beach Blanket Bingo, or Attack of the Eye Creatures. The same movie would keep playing, over and over, and you could blow half a weekend on a film like Back Door to Hell, whose title would remind me that I was one fatal accident away from eternal damnation. The following Saturday, I’d spend part of another sunny afternoon kneeling in a dark confessional, and then on the cool marble of the church altar, saying my prayers of penance and hoping to die with a clean soul. But I didn’t die. Confessing my sins — those that were real and others that I fabricated — became something like the life insurance policies I would later pay for through automatic withdrawals from my checking account. Had I known then what I’ve since come to learn, I would have cut the confessions back to twice a year, and invested those insurance premiums in Coca-Cola and Microsoft. If only there were a carry-back form for that.
I realize this all sounds like second-guessing and wishful thinking, tinged with regret and self-recrimination. And maybe that’s what it is. To make matters worse, I’ve now caused you to consume another ten minutes of your life, as you’ve strolled with me down a pointless path to nowhere. I’m sorry about that. To make amends, I offer once again the words of Ben Franklin, who wisely advised: “Beware of the young doctor and the old barber” and “Every little makes a mickle.”
Franklin also said, “He’s a Fool that cannot conceal his Wisdom.” I find comfort in that last insight, because I actually understand it, and have no trouble concealing my Wisdom. And if any country ever decides to rewrite their tax laws, or even their constitution, I might volunteer to make the frame.
Meanwhile, with the Canadian penny out of circulation, I need to figure out how to save my groat.
She's a Maineiac
July 30, 2013
Yeah, how can we be sure ol’ Ben really WASN’T struck by lightning? It would explain so much.
I often conceal my wisdom, too. Not by choice.
I loved this post, especially when you said we went ‘down a path to nowhere’ with you. I like going down that path. Beats all those wasted days I spend throwing rocks at a stop sign at the bus stop.
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bronxboy55
July 31, 2013
Thanks, Darla. By the way, I was going to change spend to spent, but then I wasn’t sure if you meant it in the past tense, or if you might still be throwing rocks at stop signs.
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She's a Maineiac
July 31, 2013
Well, thanks for your concern, Charles, but yes, yes I am currently throwing rocks at stop signs. Later on around noon I plan on kicking the can.
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Tom Marshall
July 30, 2013
“Fish and visitors smell in three days.” I kinda like this Franklin quote.
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bronxboy55
July 31, 2013
And how long are you staying with your in-laws?
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Tom Marshall
July 31, 2013
Till the rotten stage.
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ranu802
July 30, 2013
I thoroughly enjoyed reading your post.No one likes to pay taxes,we have to when the time comes. Your post has so much humor even the mention of taxes did not deter me from reading it.Thank you. When someone makes himself or herself look and sound foolish,it draws a lot of readers,I’m confident you have done that.
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bronxboy55
July 31, 2013
I appreciate your saying so. At least, I think I do.
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Chichina
July 30, 2013
You really had me going there for a while. I had no idea where you were going with the whole income tax deferment thing and my eyes were beginning to cross from the effort of trying to stay with you. I was frankly relieved when it all morphed into something I could comprehend like….. regret for all the time we may have wasted and frittered away on mindless activities. But was it really wasted? Isn’t every activity a building block towards something else? And isn’t time spent in regret or worry the greatest waste and misuse of our time? After all they accomplish absolutely nothing, and we come away from it feeling depressed. As long as we are present and live fully in each moment, savoring every single second as a child does, we are truly living. As adults we lose the ability to stay grounded in the here and now, always thinking about tomorrow, or the next thing that needs doing. Take chores for instance. We generally hurry through them so we can get to the next activities, the ones that we assign greater value to because of our perception of enjoyment. If we are to take a lesson from the Buddhists and embrace every moment, whether work or pleasure, without assigning meaning or preference to that activity, then we are fully present to life itself and therefore cannot find any reason to regret. The only thing we need to ask ourselves is whether we danced while we were able.
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bronxboy55
July 31, 2013
The whole time I was writing this post, I was grounded in the here and now. In fact, I tried to think about the there and then, and I couldn’t do it. The entire exercise, I suppose, could be considered a waste of time, but then I’d be regretting again. Also, when you use the word dance, do you mean it literally?
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Chichina
July 31, 2013
Is this a trap? (lol) I wasn’t doling out advice to anyone but myself, by the way. I like to give myself pep talks and I thought your blog would be a handy forum. I meant the dance thing figuratively speaking, but it could also apply in the literal sense. Ok I must run and live entirely in the moment.
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earthriderjudyberman
July 30, 2013
When I think of how I squandered those lazy, hazy summer days in my youth, I wish I could do a do-over. Come to think of it, I’m still doing that. Those movie theaters were a great cool place to be in the summertime. I’d say you spent your time well – except for the part in the confessional. 🙂
Thanks for letting me meander down that path with you, Charles. As always, an enjoyable diversion.
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bronxboy55
July 31, 2013
Judy, do you remember emerging from the movie theater and being surprised by the daylight?
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happykidshappymom
July 30, 2013
Hi Charles! Loved your opening paragraphs — the goal of every writer is to take up space? 🙂 Yet I bet deep down you don’t regret those days spent playing freeze tag or kickball. Those are the days that *gave* us time. 😉
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bronxboy55
July 31, 2013
Melissa, it’s great to hear from you. How are things in the Northwest corner?
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lostnchina
July 30, 2013
On the contrary, I don’t think I’ve “strolled down the pointless path to nowhere” at all. A thoroughly enjoyable stroll. I’m also impressed by your knowledge of the Canadian tax law.
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bronxboy55
July 31, 2013
Susan, my ignorance of Canadian tax law is exceeded only by my ignorance of US tax law.
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Monica
July 30, 2013
Reblogged this on Monkey Wears Prada and commented:
most peculiar way to have this!
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bronxboy55
July 31, 2013
It is peculiar, Monica. I couldn’t agree more.
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susielindau
July 30, 2013
What a character he must have been! I think a movie is being made about him. Or maybe I dreamt that I should make a movie about him…
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bronxboy55
July 31, 2013
Susie, have you seen the PBS series, John Adams? Franklin is portrayed as a brilliant, loyal, opportunistic hedonist. I’m sure a film with him as the central character would be full of surprises.
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Diane Henders
July 30, 2013
I never regret time that I fritter away doing “unproductive” things that I enjoy, but I’d love to have the hours back that I spent in business meetings. Talk about an effective concealment of Wisdom.
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bronxboy55
July 31, 2013
I agree about the business meetings, Diane. I don’t go to nearly as many as I used to, but I still dread them.
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Elyse
July 30, 2013
I’m going to spend the whole afternoon figuring out how to carry forward my groat. It beats the project I’m working on, anyway.
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bronxboy55
July 31, 2013
Elyse, be careful. You can carry forward a small percentage of your groat, but only if you can claim business use of your home, and if medical expenses were less than two-thirds of your net taxable self-employment income. It might be better to put the groat into a retirement account. See publication 9122.
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Elyse
July 31, 2013
Charles, now you’re really getting my groat.
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qoheleth1958
July 30, 2013
I seem to be the only reader (so far) who actually knows what a groat is: a “groat” may refer to the uncontrolled micturition (or spray) as a result of a bladder too long constrained, thus, spending a penny timeously is better than having a groat. Some scholars argue that “groat” may also have applied to the involuntary sound of relief which often accompanied the actual groat.
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bronxboy55
July 31, 2013
I’m sure Professor de Groat would be amused.
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scribblechic
July 30, 2013
My son once declared in tones both wistful and remorseful that he wished there were a way to “recycle wasted time.” This emotional consciousness weighted against clever word play and the densely unpleasant subject of taxes was a treat to read. Your talent is enviable.
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bronxboy55
August 1, 2013
I don’t know how old your son is, but he’s decades ahead of me. Thank you, as always, for the kind words.
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Allan Douglas (@AllanDouglasDgn)
July 30, 2013
Oh, I LOVED Attack of the Eye Creatures. I think. Maybe it was The Crawling Eye… Anyway I could not agree more on all that stuff about taxes. I really do think the government would run much more smoothly if they had to earn their money like we do: bake sales, yard sales, bond sales, learning how to actually invest wisely… as it is they’re more like a petulant teenager who just sticks out their hand and says, “I need more money.” and expects to get it every time. And insurance: insurance is just legalized gambling.
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bronxboy55
August 1, 2013
I like the teenager analogy, Allan, but the government doesn’t even have to stick out its hand. When it needs more money, it just prints up some more. We can’t get away with that. (Really, we can’t. I tried it once, and you wouldn’t believe what a big deal they made out of it.)
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John
July 30, 2013
You know for all the lying I did in confession, I never confessed to lying in confession.
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bronxboy55
August 1, 2013
Neither did I, John. It would have only prolonged the experience while we waited for the priest to flip through his handbook.
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silkpurseproductions
July 31, 2013
Framing is a good gig if you can get it. I think you would do well at it.
Great post.
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bronxboy55
August 1, 2013
Thanks, Michelle. In this unstable economy, we all have to do whatever we can to piece together an income.
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Bruce
July 31, 2013
‘Men and melons are hard to know.’
“Amazing”. (Detective Harry Hoo – Get Smart)
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bronxboy55
August 1, 2013
Bruce, I find with many of Franklin’s quotes that they sound silly when I first read them, but then there’s a moment of understanding. I realize that he’s right, but also that his strange comparison makes the insight even more effective.
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Stacie Chadwick
July 31, 2013
We used to go to the dollar cinema in high school when a party wasn’t possible because no one’s parents were out of town. Nightmare on Elm Street and St. Elmo’s Fire looped over and over. It was awesome and much more fun than playing quarters in somebody’s dingy basement. Ben Franklin was the best. Right up there with Demi Moore. =)
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bronxboy55
August 2, 2013
I remember going to the movies when the film had already started. Sometimes it would be half over by the time we got there. We’d just watch the second half, then wait for it to start again and watch the first half, or the whole thing. Luckily, they didn’t have intricate plot lines.
Apparently, there was a lot more to Franklin’s lifestyle than publishing an almanac and messing around with electricity.
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Snoring Dog Studio
July 31, 2013
I need to do more squandering. I discovered that to be one of my biggest problems – too little squandering, too much work. Although, last evening I squandered at least two hours watching two episodes of Dexter, Season 7. I justified that by telling myself I was bonding with my sister and brother. That’s what comes in handy when you think you’re wasting time – find something that justifies it.
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bronxboy55
August 2, 2013
I guess when it comes to wasted time, spending it with family is probably the most rewarding. As an adult, I don’t squander enough time either. That’s why I sometimes wish I had back a few of those empty days of childhood. I’d like to think I’d put them to better use.
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bitchontheblog
July 31, 2013
As quickies go, Charles, I am more than happy for you “to consume another ten minutes of my life”. One likes to be amused.
You do know, don’t you, that there are two sure fire ways of avoiding tax? Following one path you won’t be able to buy food, leading to the second where you won’t need to eat any longer to stay alive. Two flies for the price of none.
Oh, to be dead! If only to snub the taxman. And silence your rumbling stomach.
U
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bronxboy55
August 2, 2013
You don’t have to be dead, Ursula. You just need to stop having a permanent mailing address. Do people on houseboats pay income tax?
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rangewriter
August 2, 2013
I wish the rest of the world would stop trying to emulate America. Don’t they realize we are totally f up?
Good luck saving that groat.
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bronxboy55
August 2, 2013
It’s interesting to watch, Linda — the incessant criticism, followed by nearly precise imitation.
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TodayAnew
August 3, 2013
Enjoyed the post. But was drawn in by the title. As a Scot, the phrase I know, or rather the phrase drummed into me by grandmother is “Mony a mickle maks a muckle” or “Many a little make a large”. (And I’m pretty certain mickle is of Scots origin) Was Franklin suggesting that the cumulative taxation of the masses was insignificant? Explains how our governments act anyway.
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bronxboy55
August 5, 2013
It seems more likely Franklin was giving advice to those masses, suggesting that the way to success is by doing a little at a time. By the way, I like the Scottish version much better.
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Philster999
August 5, 2013
You had me at “First, it takes up space, which is the primary goal of all writing.” So true on so many levels! Given the abundance of such gems throughout your posts, I don’t think you’re very good at concealing your wisdom at all. But in a good way. Really!
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bronxboy55
August 5, 2013
Thanks for the kind words, Phil. I think that course you just completed and the follow-up vacation has you in an especially good mood — but I’ll take it.
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architect of the jungle
August 5, 2013
I wasted a lot of time when I was younger too, don’t get me started on spending all day at the discount movies…and that was when I owned a house. I didn’t know how to mow the lawn, well, I didn’t own a lawn mower, so I pulled the curtains and looked to see what was playing. Back then I didn’t know what to say and what not to say; everything seemed equally important and unimportant. Remembering that perpetual confusion reminds me what my young life so severly lacked; I needed a frickin’ frame! I guess we’ve got to spend a good many years in the mud – the hardening up of the outer edges of our formless lives takes time; when we finally do somewhat resentfully glimpse our limits, we are actually glimpsing the frame that will allow for yet more expansion, and who knows maybe even progress, I hope, I pray…
In my work we are taught to “hold the frame”, meaning the thereaputic frame. The idea is that the client is allowed to be free and express, to explore more of the self in a state without internal boundaries. The idea is that the limit of the frame ironically encourages a state of limitlessness or expansion. So…framers are actually pretty necessary in all of life. The frame gives form to the invisible.
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bronxboy55
August 7, 2013
I felt that need for a frame when an English teacher would assign a paper and tell us we could write about anything. I preferred at least a few boundaries.
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Lady from Manila
August 6, 2013
In spite of its verity, I’ve never liked Franklin’s most famous quote. How could the two words in there be ever delightful? Ok, so I used to be an accountant. Yet I’d rather apply myself to the laborious task of generating any of the painstaking financial statements than be paid to help file a taxpayer’s ITR. Simply deciding on which expenses are deductible and non-deductible could drive me bonkers. Besides, taxable income is always subject for reconsideration in my country. =)
I don’t mind the 10 minutes I just spent here. This is actually a wonderfully written post.
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bronxboy55
August 7, 2013
“…taxable income is always subject for reconsideration.” By the government, or by the individual?
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Lady from Manila
August 9, 2013
By either one of them. Sometimes, by both. It’s dismaying how our Bureau of Internal Revenue has become an “untouchable agency” – but I can’t expound on that or I might get into a tight corner. 🙂
“…there seems to be no limit to the magical things a person can do to avoid paying taxes.” Or paying very low taxes. Spot on.
I read a good quote about taxes at school today. I forgot to bring home the book with me. Please let me get back to you here – with the quote – one of these days.
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Lady from Manila
August 24, 2013
It’s not stated in the book who wrote this one: “If taxes seem onerous, what we get for them is probably the best bargain of our lives.” The preposition “for” in the middle was not easy for me to grasp (prepositions could cause my downfall any day, you know), but I liked the quote quite so anyway.
Warm Regards to you, Charles. My name is Marj – in case you’ve already forgotten. =)
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bronxboy55
August 24, 2013
“…what we get for them…” In other words, what we get in return or in exchange for them.
Hi, Marj.
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moyermama
August 9, 2013
I’m just going to start throwing out random Franklin quotes – keep things interesting around here.
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bronxboy55
August 11, 2013
Here’s another I found for you: “The horse thinks one thing, and he that saddles him another.”
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moyermama
August 12, 2013
Using that tomorrow 🙂
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snoozybutsnoopy
September 8, 2013
Reblogged this on SnoozyButSnoopy and commented:
Every Little Makes A Mickle!
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bronxboy55
September 10, 2013
Thank you again.
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