Charitable Giving Information

Tax Planning Excel

Question: New computer?

I am getting a new laptop this weekend because of the tax free weekend. I ama university student, so will it be classified as school supplies in order to recieve the no tax discount?
Also, I need some advice on what kind of computer. I want a Mac, but is it very difficult to learn? Is it useful at the collegiate level? I plan on getting Microsoft office for it so that I can have word and excel for assignments. Is it worth it? Or should I go with a PC such as Dell or HP. If you say PC please tell me which brand and model and why. Thanks for your help!

Answer: First of all congrats on getting the new laptop idea. Ok here are the answers to your many questions,

1. Yes it should qualify as a school supplies.
2. Ok some people love MAC and some love PC. I was a PC fan for long time until now when I bought the new macbook air. If you are using MAC for first time, then yes it will be little difficult to get acquainted with the MAC interface. But hey once you know the game, its all fun. Best part is you dont need to worry about any VIRUS on MAC.
3. I think both MAC and PC can be used same at college level . All depends on how much money you willing to spend. MAC are more expensive then PC in general.
4. Yes its is worth to buy MS office for MAC or PC.if your plan to use excel or word or powerpoint etc.
5. If you plan to buy PC, my recommendation is to get HP or DELL. But this is really depend on what you are comfortable with. Some ppl go for style, slickness, color etc in addition to the specs. Why i say PC or DEll is that I also own an HP and its super. Keys are really soft, screen is very durable, and ofcourse HP customer support is awesome. Good luck.

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Tax Planning Opportunities

Question: Obama’s American Opportunity Tax Grant does any one know when he plans to start this?

He is offering college and most students $4,000 in exchange for 100 hours of volunteer service.

Answer: It's not a grant, it's a tax credit. After you (or your parents) pay for your education, you may claim a tax credit of up to $4000 of the costs for that school year, provided that you've completed 100 hours of volunteer service.

The IRS still has to write the regulations on how this will work, so I don't think you (or your parents) should expect to be able to use this credit right now. Maybe when filing your 2009 taxes.

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Fundraising Projects For Kids

Question: World Challenge fundraising ideas?

This summer coming a trip has been organised through my school with Word Challenge. I will be spending a month in India doing projects in the northern part of india likely to be with school kids. during this time i will also be spending 12 days on expedition up the Himilayas.
For this i have to raise £3250 plus an extra £750 for kit and vaccinations.
I am falling behind with the monthly payments even though i have taken up a saturday job and a morning paper round.
i still have over well over half of this money still left to pay.
Any fundraising ideas that could possibly make me a little bit of money to help keep up with payments (or if you have a multimillion pound business idea lying around i’m happy to oblige )
grateful for any suggestions.

Answer: Yet another one of these "fund raising" ideas where the fund raiser him/herself have to fork out loads of cash in order to do this fund raising.
I get the feeling that somebody is being taken for a ride - and I don't just mean to Northern India......

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Tax Planning Notes

Question: Buying Condo, what kind of extra fees can I expect?

I am planning to buy condo and pay all the money upfront, this means I will not be taking out any mortgage. So lets say condo costs 300k what others fees should I expect to pay, for example tax, etc..? Please list the fees and how much they would be if condo costs 300k and I pay the whole sum upfront. Also please note this is a brand new development which was just build so I would be buying directly from developer. Its a 16 units condo building in Brooklyn, New York.
Please give an actual $$$$$ ammounts of actual fees on the 300k condo I want to know how much I will actually have to pay….

Answer: With the information you have provided you cannot expect exact figures but I can help with you basis to come up with a pretty good guessestimate.

1/ Real estate taxes - these are levied based either on assessed value or fair maket value. Say the applicable real estate tax rate for your locality is $1.00 (pls. find out what it is) then the real estate taxes assessefd would be $1.00/$100 of $300k which is $3,000 annually.

2/ Property insurance....an estimate used by lenders is $500/$200,000 of market value which would be $500/$200,000 of $300k....$750 annually.

3/ Condo dues...can vary greatly but typically btw $100 - $250 per month or ...assume highest value to be conservative...

Total costs = $3,000 + $750 + ($250x12) = $6,750...does not factor utilities and other erlated expenses such as phone, cable etc.....

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Charity Organizations In Chicago

Question: Will Obama’s Garden to Nowhere change this election?

Obama grant being probed
$100,000 DEAL to charity: What happened to garden money, other cash?

Obama vowed to “work tirelessly” to raise $1.1 million to help Smith’s organization turn the City of Chicago-owned lot into an oasis of trees and paths. But Obama lost the congressional race, no more money was raised, and today the garden site is a mess of weeds, chunks of concrete and garbage. The only noticeable improvement is a gazebo.

http://www.suntimes.com/news/watchdogs/1184049,CST-NWS-watchdog25.article

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