" How Much Gambling Losses Can You Deduct in Taxes? "

Tax payer Reports Gambling Winnings & Losses in the Tax Year they happened. Winnings From Lottery,  Horse Racing, Sports Betting, Horse Racing, and Casinos are Taxable events including Cash and Non-Cash prizes. Fair Market Value Of Cars And Trips are Reported.
1. Gambling Establishment gives W2G Form for the winnings and sends a copy to IRS if the Tax is withheld. Taxpayer gets W2G Form.  The Winnings are included as Ordinary Income for Tax Purposes.
2.  However, if there are Gambling Losses, they are Limited to the extent of Gambling Income. So, the Gambling losses in Excess of Gambling Income can't be claimed by the Tax Payer.
3.  Keep Gambling Receipts i.e. all winnings & Losses
4. How to Deduct such losses ?  Schedule A Itemized Deductions on your Tax Return.

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" What Disaster Tax Relief IRS Provides ? "

With Hurricane Season on the Horizon, it's good to know what Relief can IRS Provide if you live in a Federally Declared Disaster area. See the Tips & Help listed below:
1.  Make Disaster Preparedness Plan before the Hurricane Season Start.
2.  Special Tax Laws Apply the Federally Declared Disaster e.g IRS might Extend Tax Return  Filing Dead line.
3. Faster Refunds for the Disaster Losses related to the prior year Tax Return.
4. Refer to the Disaster Declaration Page for Tax Relief.
5. Go to Around The Nation Section on www.irs.gov Web site, to find the Local Tax News.
6.  For more Relief, visit the Page for Disaster Relief Resources for Charities and Contributors.

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" Are You A Victim Of Recent IRS Hack Attack ? "

Are you One of the 100,000 IRS Data Theft Victims whose ID was stolen by the Global Gang of Foreign Hackers to Steal 50 Million Refund Dollars ?. Actually 200,000 Fraudulent Attempts were made using IRS "Get Transcript" On Line Program for the Prior Year's Tax Returns. What should you do following this event ?   If You are Affected this is What IRS Suggests:

1.  IRS Will now provide Copies Of Fraudulent Returns to Victims.
1.  IRS Will provide Free Credit Monitoring Services for the 200,000 affected Taxpayers.
2.  Affected Taxpayers will be Flagged For The Upcoming And Future Tax Returns.
3.  Victims Qualify for Six-Digit Identity Protection Pin to Verify Identity when Filing Returns.
4.  Taxpayers should Stay Vigilant about their Accounts.
5.  Affected Taxpayers should take Advantage of the Free Credit Monitoring Services.
6.  IRS will provide Redacted Fraudulent Return Copies to Hack Victims

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" How to Respond Best to IRS Letter ? "

Tips on how to Best Respond to IRS Tax Letters and Notices:

1. Read the Tax Issue Raised by IRS Letter for the Appropriate Tax Year mentioned in the Notice.
2. Read Instructions In Letter For Proper Response e.g. Where ? when ? Address ?  Whom ? Issue ?
3. If IRS has made Changes To Your Tax Return, Review and Compare the Info. with your documentation.  If you agree with Changes Generally, you need not reply.
4. If You Disagree with Changes, then you must respond in a timely manner at the address in the notice.  Explain your reason for disagreement to IRS. Mail your reply with Bottom Tear Off from the Original Notice.  Generally reponse time is 30 days but comply with your letter time frame.
5.  Most IRS Notices can be answered by a phone to the Tel# in the letter.  Not necessary to visit IRS Center.
6.  Keep copy of all your IRS Correspondence and notices.
7.  Send Response to IRS Notice through US Mail  i.e. Certified Letter with Return Receipt
8.  If you can't Solve the Tax Issues in Phone calls Or IRS Center Visits, Arrange a Tax Specialist i.e. CPA or Enrolled Agent to Represent you as early as possible.
9.  Beware Of Scammers who Try to Advanage of you and Steal Your Personal Data For Identity Theft.

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" Did You Take Tax Return Amendment 101 Class ? "

List Suggestions about When a Tax Return should be Amended:
1.  Filing Status Errors
2. To Correct Income/ Deductions/Credits

You generally don't want to Amend Tax Return for the following:
a) Math & Missing Form Errors -  IRS will fix these for you.
b)  Health Insurance Market Place Form 1095-A Statement Errors.  IRS Might contact you for a copy of  Corrected Form 1095-A to verify the Information

Other Amendment Issues:
A)  Last date to Amend Return to Claim TY 2011 Refund was April 15, 2015.  If you have not claimed this Refund, now IRS owns it.
B)  Wait 16-20 weeks to Amend a Amended Return, since time to process the Amendment is around 16-20 weeks.
C) Amended Returns are Not Electronically Filed but are Paper Filed through US Mail System
D)  Submit Form 1040X to Amend Return along with updated schedules.
E)  Don't forget to include Form 1040X when CA Sate Return is amended.

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" What To Do If You Missed Tax Deadline ? "

If You Missed April 15th Tax Deadline, recommend the actions that Taxpayer can still take;
1. File Tax Return as soon as you can.
2.  Use IRS FreeFile e file your tax return.
3.  If your Income is less than $60,000 use Freefile for Brand Software To Fill Forms Electronically. This program is available until Oct 15, 2015.
4.  File Tax Return Electronically.
5.  If You owe Taxes, Pay as much as you can with the Tax Return.
6.  Explore Other Payment Options such as Installment Agreement.
7.  If you are getting Refund, file early to claim your refund.  If you don't file within Three Years you will lose your Refund to IRS.

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" How Defend Against Nation Wide Tax Scams ? "

Don't be Fooled by Tax Scammers Operating Nation Wide to Steal Your Identity or Refunds from Good Law Abiding Citizens. List Tips to Defend against such Scammers:

1. IRS Doesn't:
    o  Demand Immediate Payment or Threaten jail time without Prior  US Mail 
        Correspondence from Compliance or Enforcement Divisions after Tax Audit
        or Tax Collection Activities.
    o  Send Emailsto Tax Payers
    o  Ask For Credit/Debit Card Numbers on Phone.
    o  Threaten to Bring in Local Police to Arrest or Serve Jail time.

2. Report Tax Scammers to Treasury Inspector General For Tax Administration (TIGTA) at T: 1 800 366 4484

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" What To Do If You Receive Incorrect 1095-A & Premium Credit Forms ? "

If you Filed your Own Tax Return and Enrolled In Qualifying Market place Coverage using Form 1095-A, The Health Insurance Statement, and later learnt that there was there was error in 1095-A given to you, what should you do ?
1. You don't need to file Amended Tax Return even if you owe Taxes based upon corrected data.
2. IRS provides Tax Relief to the Tax Payers from Additional Tax Collection Actions.

Short answer is Do Nothing.

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" How To Get Saver's Credit ?"

You may claim Saver's Credit if you Contributed to  Retirement Plans such as IRA or 401(k). List details of Saver's Credit also called Retirement Savings Contribution Credit:
1. Maximum Credit:  
   Married Filing Jointly (MFJ)  =  $2000
   Single /MFS                            =  $1000
2. Income Limits:
    MFJ                         = $60,000
    Single / MFS           =  $30,000
    HH                          =  $45,000
3. Contribution Date:   April 15, 2015
4.  Other Qualifications:  18 Year Old, Not Full Time Student, Nobody can claim you as Dependent.
5.  Free File Program -  If you Qualify.

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" What Residential Energy Tax Credits Are Available ? "

For Home Energy Credits, list the details:
A) Residential Credit:
     1. Part of the Maximum Energy Savings Cost For Doors & Windows is 10% of the Invoice. The    maximum Energy credit is capped at 200$ for Windows and Doors.
     2.  Maximum Life Time Credit Limit is 500$ 
     3.  Energy Credit applies to your main home in US.
     4. Use Form 5695 to claim Residential Credit.
B) Efficient Property Credit:
    For Alternate Energy Efficient Property Credit such as water heaters, Solar etc. 30% of Invoice is Credit. There is no Credit limit. If your credit is more than the Tax  you owe, it can be carried forward to the following year.  This Credit is available through 2016.  Home must be is USA .

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" How Much & When To Contribute For TY2014 IRA Deduction ? "

For TY 2014 California Taxpayer Can Contribute to IRA up to April 15, 2015.  The Contribution Limits are Listed below:
1. Eligible Taxpayer can Contribute Up yo $5500 to IRA
2. For Taxpayers who are at least 50 Years, Contribution Limit is $6500
For IRA Account Withdrawals before 59 1/2 Years, there is Federal Penalty (10%) and CA Penalty (2.5%).
3. In Addition, you will also pay Federal & State Tax on the Amount Withdrawn.
    Have Tax Plan for this to avoid April 15, Tax Shock.

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" How To Claim Premium Tax Credit ObamaCare Health Coverage ? "

Taxpayer may be eligible for Premium Tax Credit (PTC) if the Health Coverage was purchased through the Marketplace per the  Affordable Care Act.  The Tax Credit is based upon a sliding scale where lower income people get Larger Credit. The higher the income, lower the amount of Credit.

To Claim this credit:
1.  Fill out the Form 8962 to figure the amount of credit.
2. 1095-A Statement from the Market Place provides the data necessary to complete Form 8962.
3. Health Premium Credit is Refundable i.e. even if you owe no tax this Credit will be Refunded to you.  However, if you receive Advance Payment of this Credit, and the Credit Received is in Excess of PTC, the Credit difference will be recaptured and added to the Tax.

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" How to Calculate Individual Shared Responsibility Payment For Obamacare ? "

For Each Month of 2014, Taxpayer and Dependants Do Not have the Monthly Essential Minimum Coverage through the Market Place, the Taxpayer needs to either file Claim of Exemption Form 8965 or make Shared Responsibility Payment per Worksheet in 8965.
1.  Shared Responsibility Payment :  Annual Payment amount is greater than Percentage of your household income or a flat dollar, but is capped at the National Average premium For a Bronze Level Health Plan available though the Market Place.
2.  You owe 1/12th Annual payment your or dependant Don't have the Either the Coverage or Exemption.. 
3. Use 8965 Form worksheet to figure out the Shared Responsibility Payment

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" What Are Affordable Care Act's Tax Consequences ? "

When you file TY 2014 Tax Return, you will need to report Minimum Essential Coverage, Claim or Report Coverage Exemptions, or make Shared Responsibility Individual Payment.  You don't have to file a Tax Return just to Report Coverage or Claim Exemption. See Highlights below:
1. If Taxpayer and all Dependants had the Minimum Essential Coverage for each month of 2014, you show this on the Tax Return and no other action is required.
2. File Form 8965 if you qualify for Coverage Exemption from Marketplace.
3. For the Months you and your family had no minimum essential coverage, you will have to make a Shared Responsibility Payment. This payment is reported in 1040, 1040A, or 1040EZ.
4.  Calculate Use Shared Responsibility Payment in Work Sheet 8965.

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" How To Claim Simplified Office At Home Deduction ? "

A reminder to Home based Businesses on choosing the Simplified Method to Claim the Home Office Deduction.   The advantages Of Simplified Claim Method are :
1.  Reduce Paperwork
2.  Reduce Record Keeping
Home Office Deduction is based upon the Square Feet area at 5$ Per Sq. Feet, up to a maximum Of 300 Sq. Ft. i.e.   $1500.00 Max.
Self employed Individuals can claim this deduction on  Schdule C Line 30.  Form 8829 is not required when Simplified method is used.
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" Did You Receive Identity Verification Letter From IRS? "

When Suspicious and Fraudulent Tax Returns are filed  to get Tax Refunds, IRS mails the Identity Verification Letters (5071C)  and puts the Tax Return Processing on hold until the Taxpayer's Identity is verified.   

The Taxpayers who receive Letter 5071C should access IRS Site -  idverify.irs.gov and correctly answer Identity Verification Questions that only the Taxpayer can.  After the Identity is verified the Taxpayer needs confirm if the Tax Return was filed .

If the Tax Return was was filed, IRS will remove the hold and resume processing.  It takes 6 weeks to process the return and issue a Refund Check.  If the Tax Return was not filed IRS will reject the Tax Return on Hold as if the Tax Return was never filed.

IRS never calls or send emails to Taxpayers, so be aware of Scammers who try to steal Tax payer Identities.

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" When Are The 2015 Estimated Tax Payments? "

List 2015 Form 1040-ES Estimated Tax Payment Info: 

1.  Payment Dates:

     1st payment  =  April 15, 2015

     2nd payment =  June 15, 2015

     3rd  payment =  Sept 15, 2015

     4th Payment  =  Jan   15, 2016

2.  Payment Address:  

     Internal Revenue, Service,   P.O. Box 510000,  San Francisco,  CA 94151-5100

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"When To Take Required Minimum Distribution From Retirement Plans?"

If you Turned 70 1/2 years during 2014, you have to Take Required Minimum Distribution (RMD) by April 1, 2015.  The Retirement Plans include IRA, 401(k), 403(b), 457 plans.  RMD amount is based upon Life Expectancy Tables and worksheets in IRS Pub 590-B.  Also, you will be required to take a second RMD Distribution for 2015 by Dec 31, 2015.

Suggest Tax Planning for RMD Distributions of 2015.

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" What Free Tax Help Is Available To Military? "

Free Tax Tips For Military Personnel:
1.  Armed Forces Tax Council (AFTC) - Oversees Military Tax Programs Offered World wide. AFTC Partners with IRS to do Outreach to the military including Air Force, Army, Navy, Coast Guard, Marine Corps.
2. Military VITA Sites - Staff of Trained Volunteers provide Tax help on Benefits and Combat Zone pay and extensions to File Tax Returns Including Earned Income Tax Credit and New health care laws.
3. Bring Photo ID, Last year's Tax Return and all the Tax Docs you received along with relevant Income & Expenses Documentation.
4. Joint Returns - Bring a Valid Power Of Attorney (POA) if both of you can't be present - Special Exceptions if Spouse is in the Combat Zone and unable to sign.
5. IRS Free File Program - If your income is less than $60,000 you can you can use online brand name software on line and electronically fillable forms and Free efile.

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" When Do You Pay Additional Medicare Tax? "

Generally, 1.45% of the wages reported on W2 Form given to Employee are tagged as Medicare Tax without any Wage Limit i.e. They are limit less. Similarly, Self employed also pay Medicare Tax.

Beginning in TY2013, Additional 0.9% Medicare Tax was imposed for High Income Earners. These Income Thresholds are listed below:

Filing Status                 Earnings Over            Additional Medicare Tax
MFJ                                                                         $250,000
S, HOH, QW                                                           $200,000
MFS                                                                         $125,000

Form 8959 is used to compute Additional Medicare Tax and is reported on Form 1040.

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" When Are The C-Corp/S-Corp Tax Returns Are Due? "

TY 2014 Tax Return for C Corp. or S Corp. are due by March 16, 2015.  Following actions are suggested if Filing Extension is required:
1. File Form 7004 For 6 Months Extension by 3/16/2015.
2. If Tax is Owed, Pay the Estimated Tax Along with the 7004.

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'" Is Social Security Taxable ? "

If the Combined Income exceeds the Thresholds listed below, up to 85% Of Security Income may be Taxable depending upon Tax Payer's Filing Status.  List the details:
1.  S or HOH:
      1.1 If the Income is Below $34.001, Up to 50% of Social security Benefits are Taxable.
      1.2 If The Income is Above, $34.001, Up to 85% of Social security Benefits are Taxable.
2.  MFS - 
       2.1  If the Spouses live apart through out the year - Benefits are Taxed at Same as Single Person.
       2.2  If the Spouses lived together any time of the year, Benefits Taxed at 85% regardless of Income.
3.  MFJ -
      3.1  If the Combined Income is greater than  $32,000 but less than $44,001 up to 50% Benefits are Taxable.
      3.2  If the Combined Income is greater than  $44.001 up to 85% Benefits are Taxable.

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" What Are The Effects Of Early Retirement Withdrawals ? "

Tax Payers need to plan for the Effects Of Early Retirement Plan Withdrawals i.e.Retirement Plan Withdrawals Before the Age of 59 1/2 Years.  These withdrawals can be Taxable or Non-Taxable.
1.  Non Taxable Withdrawals - Check out the Applicable Exceptions .  Rollover Assets from one Retirement plan to another within 60 days.
2. ** Taxable Distributions -  Unless the Exceptions apply, they have two major impacts:
          o   Penalty -  10% IRS Penalty plus 2.5 % California Penalty.
          o   Taxable Distribution -  Taxpayer Taxable at the Marginal Tax Rate
              ** Suggest Taxpayer to Put aside these amounts to Avoid Future shock of Tax Liability.
3.  Form 5329 - File for Additional Taxes if applicable.

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" Is Unemployment Income Taxable? "

Unemployment Compensation is Taxable at Federal Level.  Taxpayer receives 1099-G Form stating the Taxable Unemployment Income and Taxes Withheld by Jan 30 of the following year.
Union Benefits may also be Taxable.  Generally, it is a good idea to withhold Taxes form the Unemployment Compensation to avoid future Tax burden.  Fill out Form W- 4V to withhold Taxes from Unemployment Income.
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" Do You Qualify For Free File IRS Program? "

If your Income was less than $60,000 in TY 2014, you Qualify for Free File From IRS. About 70% of the Americans are estimated to Qualify.
IRS Free File Program High Lights:
1. Fillable Tax Electronic Versions Of Forms
2.  Partnerships with 14 Tax Software Manufacturers making their Products Free.
3. Free efile on IRS.Gov
4.  Free Extensions
5.  Quick Refunds with IRS efile.
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YMA - REFERRAL REWARD PROGRAM

" REFERRAL REWARDS PROGRAM "

1. YMA BUSINESS TAX RETURNS OR  BOOK KEEPING OR PAY ROLL   ---  $50 CHECK

2. YMA INDIVIDUAL TAX RETURNS ----   $50  CHECK

3.  YMA TAX PROBLEM REFERRAL ----    $100 CHECK

4. QUALIFICATION

 Tri-Valley Chambers of Commerce Members, And Clients Qualify for the YMA Promotional Program.        Please notify YMA about the Referral Before the First YMA Meeting.  Program Expires 12/31/2015.

 5.  YMA REFERRAL CHECK WILL BE ISSUED IN THE LAST WEEK OF APRIL 2015 

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