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Speaker 1: It's Night Side with Dan Ray on WBS Boston's news radio.

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Speaker 2: Well, I've been able to reboot my computer, Mark missilback,

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Speaker 2: so we're back in business. We have a bunch of

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Speaker 2: callers here who are ready to talk with you. I'll

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Speaker 2: just introduce you once again quickly, and that is my

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Speaker 2: great friend and colleague here. You've worked with me enough

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Speaker 2: that I consider you a colleague now. Mark Missilbeck, CPA extraordinary.

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Speaker 2: He works with Cherry Beckert Advisory LLC Beckheart Advisory LLC,

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Speaker 2: and for many years now he has been kind enough

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Speaker 2: to give us the generosity of his time and his

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Speaker 2: knowledge answer all your potential tax questions. As you can tell,

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Speaker 2: there is very little that he does not really understand.

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Speaker 2: I don't understand how he can keep it all in

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Speaker 2: his head. I keep a lot of stuff in my head,

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Speaker 2: but my compartment, my cranial compartment, is minuscule compared to

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Speaker 2: what Mark Missilbeck has at his fingertips. We will continue

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Speaker 2: our conversation with the callers as long as as long

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Speaker 2: as you'd like to be there. I will remind all

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Speaker 2: of you that at the eleven o'clock hour tonight we're

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Speaker 2: going to ask you as our twentieth Hour of the

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Speaker 2: Week question, what was the first real concert musical concert

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Speaker 2: you went to? And what was the best musical concert

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Speaker 2: you went to in your life? What one stands out?

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Speaker 2: I have a variety. I'm sure most of you do

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Speaker 2: as well. Mark. I'm going to ask you that question

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Speaker 2: if you recall, do you remember the first time you

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Speaker 2: actually bought a ticket and went, you know, to a

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Speaker 2: to a music concert a big venue.

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Speaker 3: Yip would you like to say with my wife Neil

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Speaker 3: Diamond the Hartford Civic Center?

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Speaker 2: Oh, I watched the Montreal Canadians play at the Hertford

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Speaker 2: Civic Center against the Hartford Whalers. What's the my My

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Speaker 2: first was Glenn Campbell at Boston Garden, which will probably

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Speaker 2: age me a little bit. The best concert that I've

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Speaker 2: ever been to, you know, taking into consideration the setting

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Speaker 2: and all of that, was Billy Joel two or three

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Speaker 2: years ago at Fenway Park. It was a magical night.

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Speaker 2: The it was the middle of the summer in July

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Speaker 2: whenever it was, and it was just a beautiful, interesting setting.

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Speaker 2: What's the best concert you ever attended? If above and

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Speaker 2: above and beyond the Neil Diamond which could have been

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Speaker 2: might be the best concert.

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Speaker 3: Sir Paul McCartney at the Funway Park a couple of

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Speaker 3: years ago, again with my wife.

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Speaker 2: Well how about that. Okay, that's that's saying. Now at

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Speaker 2: eleven o'clock we'll be we'll be asking our callers to

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Speaker 2: join us on that very that very topic. Thanks. I

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Speaker 2: put you on the spot here and you came through

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Speaker 2: like a trooper. Let's get back to the phones, and

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Speaker 2: we're going to start with Billy in Nevada. Billy and Nevada,

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Speaker 2: you're next on Nightside with Mark Misselbeck. Your questions about taxes,

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Speaker 2: whatever you like, let's let's hear it. Bill.

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Speaker 4: Yes, sir, good evening, And I want to say that

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Speaker 4: Mac is always to the point. I enjoy listening to

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Speaker 4: him real quick. Before my question, somebody had brought up

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Speaker 4: different states with different taxes, such as the circuit breaker.

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Speaker 4: I used to do that for my mother in law

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Speaker 4: who lived in Grafton and in Nevada there's no income taxes,

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Speaker 4: you know, yes, and the property taxes there.

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Speaker 2: You have a pretty good gaming industry, I believe in

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Speaker 2: that state, if I'm not mistaken.

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Speaker 5: Billy, Yeah, well.

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Speaker 4: They pay the lowest amount of taxes, only five point

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Speaker 4: seventy five, I believe as opposed to I don't know,

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Speaker 4: mass might be up in the forties. But on the

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Speaker 4: property taxes, Dan, it's a three percent cap and there's exemptions.

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Speaker 4: Get this, okay, blind persons and veterans, not seniors, but

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Speaker 4: surviving spouses of any age. Okay, So I wanted to

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Speaker 4: bring that up.

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Speaker 2: You mean widows or widowers.

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Speaker 4: Yeah, exactly, in each case it.

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Speaker 2: Would have an equal protection clause problem there if it.

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Speaker 4: Was any other, yeah, I don't know. Mark might know

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Speaker 4: both there real quickly. Not a federal taxes, of course,

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Speaker 4: that's what we file, Mark every year. I file my

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Speaker 4: federal taxes the first day you can.

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Speaker 5: I do my own.

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Speaker 4: You know, I've got scheduled one one A this year,

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Speaker 4: the ten forty, the schedule B and I had a

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Speaker 4: refund of eleven hundred and ninety nine dollars forty cents.

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Speaker 4: I'd do the best most and I nailed it from

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Speaker 4: the post office priority in tracking to Audeniuza, and of

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Speaker 4: course it gets there. It got there, you know, the

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Speaker 4: very first day they were accepting them. And I usually

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Speaker 4: DAN would get a refund to my bank by February eighteenth,

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Speaker 4: and I read it now on the paper returns, which

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Speaker 4: I do my own, and I like to do that,

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Speaker 4: and I figure my help with identity stuff. But I read,

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Speaker 4: you know, I haven't received it yet, and it's two

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Speaker 4: to three weeks later. And I read somewhere that they're

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Speaker 4: hiring outside contractors to scan the paper returns. And would

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Speaker 4: that be a reason for the delay, because you know,

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Speaker 4: I'll go on with my refund them. Of course, you

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Speaker 4: can't put in the vestment. You know, you put in

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Speaker 4: married file on joint and you know, my wife's Social

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Speaker 4: Security number because she's the primary filer on top.

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Speaker 3: And the amount for speed and accuracy purposes, they are

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Speaker 3: pushing hard to get everybody electronically filed. Therefore, they reduced

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Speaker 3: the staffing to process paper returns. And the word I

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Speaker 3: have is that it'll take six to eight weeks when

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Speaker 3: you file a paper return to get your refund.

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Speaker 4: Okay, that's what I was wondering. So I wouldn't have

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Speaker 4: anything to do with the decimal point I you know again, Okay,

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Speaker 4: I figured that I'm probably going to be waiting till

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Speaker 4: the first of April.

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Speaker 2: It's what they're trying to do is basically induce you

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Speaker 2: to to get with the program that they want.

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Speaker 3: Yeah, and they want the program for the savings in processing,

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Speaker 3: the accuracy they gain when it's electronically submitted, the avoidance

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Speaker 3: of keying errors if somebody has to key in the

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Speaker 3: information from the tax return. All this stuff goes by

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Speaker 3: the boards. They gain efficiency in processing and storage through

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Speaker 3: the electronic medium.

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Speaker 4: Okay, So yes, saying Mac, And I know Dan, you

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Speaker 4: had mentioned it earlier that you were a dinosaur and

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Speaker 4: I'm also a dinosaurus. I'm good with numbers and good filing,

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Speaker 4: like Max says, I guess it's next year to go

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Speaker 4: the electronic loop.

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Speaker 6: You get.

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Speaker 4: You have to use like turbo tax or something in otherwise.

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Speaker 3: And they have online if your income is low enough,

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Speaker 3: essentially I understand it's free.

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Speaker 4: Okay, but there is an income cap, so if you

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Speaker 4: make over a certain amount then.

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Speaker 3: And there for the preparation work.

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Speaker 4: Yeah, okay, yeah, okay. You've been very helpful and you're

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Speaker 4: helpful of the people Dan by having Mac on. And

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Speaker 4: you know, I've talked to you about Nevada, and it's

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Speaker 4: funny you brought up the gaming. I'm turning to Dan.

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Speaker 4: We have the lowest gaming tax, and that was these

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Speaker 4: casinos being a text at five of the proceeds.

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Speaker 2: There's a lot of But Bill, but look, Billy, I'm

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Speaker 2: sure there's a lot of proceeds in Nevada. They've been

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Speaker 2: doing it for a long time out there, and it's yeah,

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Speaker 2: you know they they will. They wire way ahead of

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Speaker 2: the game, you know what I'm saying.

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Speaker 4: So ahead, man comes to a lot of these stage

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Speaker 4: fifty percent I.

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Speaker 2: Mean, I know, but but forty percent or fifty percent

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Speaker 2: of what compared to five percent of Nevada. I mean,

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Speaker 2: you look back at that's that's what we're talking about.

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Speaker 2: The bottom line, Billy as always thank you. By the way, Mark,

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Speaker 2: Billy is a Massachusetts native who was relocated to Nevada

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Speaker 2: and then say loyal nightside listener and we hear from

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Speaker 2: him frequently during the year, and I appreciate that so much.

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Speaker 2: Appreciate it, Bill, talk soon, Okay, Thanks Bell, I appreciate it.

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Speaker 2: All right, good night, can I Bill? Good night? Yeah,

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Speaker 2: take a quick break here. My guest is Mark Misselbecks CPA.

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Speaker 2: We are helping you with your taxes. Any questions you have,

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Speaker 2: feel free. We got now we've got a couple of

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Speaker 2: open lines six one, seven, two, five, four, ten thirty

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Speaker 2: or six one seven, nine, three, one thirty. If you

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Speaker 2: were dining before and getting the busy signal, now is

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Speaker 2: the time to get the fingers working and give us

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Speaker 2: a call and we'll get you on as quickly as

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Speaker 2: we can. This is a great service that Mark has

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Speaker 2: given us for many years, and it continues tonight. He

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Speaker 2: was with us about a month ago, his time at

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Speaker 2: this This is the time of year when CBA is

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Speaker 2: having to be the busiest in the time of year,

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Speaker 2: although they're busy throughout the year, and I so appreciate

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Speaker 2: what he does for me and for my listeners tonight,

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Speaker 2: even when my laptop computer gets restarted in the middle

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Speaker 2: of the show. It's been an adventure. It's been a

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Speaker 2: wild ride. We'll be back on Nightside, Susan, Carol, you

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Speaker 2: guys are all set. If you don't call, we can't

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Speaker 2: help you. Coming back on Nightside.

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Speaker 1: It's Nightside with Dan Ray Boston's News Radio.

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Speaker 2: Back to the phones we go, going to go to

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Speaker 2: Susan in Duxbury. Susan, I'm sorry that you had to

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Speaker 2: wait so long, but you are up on Nightside with

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Speaker 2: Mark Misselbecker.

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Speaker 7: Right, Susan, Okay, I'm also a person who's a dinosaur.

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Speaker 1: I pay.

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Speaker 7: I pay every bill I received by check. I am

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Speaker 7: any payments that are owed to me come to me

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Speaker 7: by check. I don't have anything done automatically. I keep

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Speaker 7: an old fashioned paper register. When I put in my

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Speaker 7: I have a I know exactly what I have.

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Speaker 2: I do the same as you, Susan, but I must

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Speaker 2: tell you I now have. Slowly, but surely, they're breaking

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Speaker 2: me down so.

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Speaker 7: That there is sure I used to know about computers,

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Speaker 7: but it's been too many years. Things have changed too quickly.

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Speaker 7: I paid my fourth estimated tax bill in September, rather

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Speaker 7: than waiting till January, because I was afraid I would

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Speaker 7: be cut off. But evidently the IRS was not prepared

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Speaker 7: to not accept the pay they were going to They

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Speaker 7: have to continue to accept the paper checks. So I'm

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Speaker 7: okay for this tax season. But I pay four estimated

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Speaker 7: tax payments a year, plus I usually owe in April.

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Speaker 7: That's five checks. I don't know where to go or

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Speaker 7: what to do. I don't have a working computer. I

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Speaker 7: don't have a cell phone. I don't have an iPhone.

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Speaker 7: I go to the library to use the computer, but

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Speaker 7: it's not safe. What I want to know is where

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Speaker 7: can you get a waiver not to have to file

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Speaker 7: things electronically? And I'm finding trouble with everything even.

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Speaker 2: Well, hold hold on for one second, season, hold on,

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Speaker 2: just for a second. I want to deal with everything

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Speaker 2: you've raised. You've raised a lot. You can still file

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Speaker 2: a paper copy of your tax returns.

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Speaker 7: But they don't want you to do that anymore.

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Speaker 2: And well, they may not want no, but the other.

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Speaker 7: Man said, I read this too a newspaper at the library,

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Speaker 7: that they have hired third party vendors to go over

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Speaker 7: your to put your tax information into their system. And

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Speaker 7: they made it sound as though there's a good chance

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Speaker 7: of fraud.

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Speaker 4: I mean they're trying to Okay, Okay, I don't hold on.

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Speaker 2: I want to get Mark in here, Susan, okay, because

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Speaker 2: he knows much more about this than I do. But

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Speaker 2: I do not believe they have hired people to have fraud.

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Speaker 2: You can still file your taxes by paper, by paper,

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Speaker 2: by mail. Mark, please help.

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Speaker 7: Me to let you do it anymore.

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Speaker 2: Hold on, I think you're wrong on that. So let's

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Speaker 2: see what Mark says. Mark is the expert. This is

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Speaker 2: what he does for a living, Susan. That's why he's here.

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Speaker 2: Let's listen to what Mark says for us. Mark, please

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Speaker 2: go right ahead.

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Speaker 3: The IRS was attempting to start a program whereby they

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Speaker 3: would digitally store the records that came in in paper

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Speaker 3: by having some on scan it. Privacy considerations were raised

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Speaker 3: about vetting or monitoring the people who would be doing

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Speaker 3: the work, particularly in light of the there was a

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Speaker 3: consultant for and I want to say it's one of

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Speaker 3: the McKenzie they that stole thousands and thousands of taxpayers information,

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Speaker 3: particularly high earners, including President Trump's tax returns, and released them. Yes, yes,

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Speaker 3: but guilty to one charge of privacy invasion and is

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Speaker 3: doing time right now. But that program was halted because

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Speaker 3: of these privacy considerations until guardrails can be put in

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Speaker 3: place that satisfy everybody that these kind of things should

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Speaker 3: not happen. And you can't guarantee universally that it won't

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Speaker 3: happen necessarily, but you make every effort to make sure

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Speaker 3: it doesn't happen. So right now they are encouraging everybody,

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Speaker 3: and they have a directive to try and get everybody

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Speaker 3: into electronic filing. But the issues you raise are exactly

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Speaker 3: why that is hitting a ceiling seemingly, at least with

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Speaker 3: the older generation still around, that is not getting them

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Speaker 3: to the point where they can achieve the goal of

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Speaker 3: one hundred percent electronic submissions. The directive to not take

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Speaker 3: or issue paper checks is still new. They're still working

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Speaker 3: out the kinks. It cannot be universally banned, at least

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Speaker 3: not at this point. Without these alternative means of payment

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Speaker 3: put in place. You may be able ultimately to do

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Speaker 3: it by phone calling into the IRS on a secure

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Speaker 3: line and giving them your bank information or a credit

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Speaker 3: cardtion to make the payment. I don't know when and

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Speaker 3: how that will be done. Stay tuned for developments, Susan.

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Speaker 7: Uh, So, could you get a waiver?

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Speaker 3: And get a waiver and take it's too The directive

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Speaker 3: is too new. They haven't addressed the question of a waiver,

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Speaker 3: or if there is, they haven't addressed how to get it.

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Speaker 3: So you're going to have to keep an eye on

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Speaker 3: the news outlets for that one.

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Speaker 7: Something else about for one second, Susan.

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Speaker 2: Susan, Susan, please, I want to make sure you understand it,

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Speaker 2: and I want to make sure my audience understands understands it.

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Speaker 2: What I believe Mark has said is that they may

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Speaker 2: come a day when the concerns that you're expressing might

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Speaker 2: actually be real. But at this point you can still

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Speaker 2: file your taxes this April or whenever you prepare them

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Speaker 2: and they're ready to be filed through the post office,

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Speaker 2: put a stamp on it. You don't have to do

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Speaker 2: it electronically at least this year. For now.

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Speaker 3: One thing I will I will inject your DAN is

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Speaker 3: sure there has been a change with the US Postal

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Speaker 3: Service on postmarks. Unless you go in and have them

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Speaker 3: actually stamp it, they will not be putting a date

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Speaker 3: of mailing on the cancelation any longer, and that may

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Speaker 3: screw up when you say you filed and filed on time.

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Speaker 3: If you don't get them to actually handstamp it with

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Speaker 3: a date, you may have an issue with the government.

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Speaker 3: If you're not sending a payment in with a return,

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Speaker 3: it is highly recommended that you do it by certified

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Speaker 3: mail return receipt and have the date on that. Sucker.

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Speaker 7: I always do that. I always send everything certified mail,

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Speaker 7: even my estimated taxes.

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Speaker 2: What is your what is your other question, Susan, I

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Speaker 2: have another thing.

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Speaker 7: I have dividend reinvestment, and I'll call it company X,

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Speaker 7: and now they will not send me quarterly statements. I

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Speaker 7: should look on a computer, which I can't do, so

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Speaker 7: then I would have to call each quarter to get

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Speaker 7: my statement, which to me does not seem fair.

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Speaker 2: That's between you and the company, Susan. Not the IRS

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Speaker 2: has nothing to do with that.

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Speaker 7: But it was the IRS. I thought, it'll allow this

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Speaker 7: RAR to go through the No.

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Speaker 3: No, the IRS only wants a year end report from

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Speaker 3: the company on the total amount of dividends that they

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Speaker 3: have paid to their shareholders. Right, but I think that

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Speaker 3: has to come out to you.

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Speaker 7: Okay, But no longer the quarterly to see what was purchased.

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Speaker 3: And it wasn't an IRS. It wasn't an IRS mandate

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Speaker 3: to begin with. It was a company choice to report

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Speaker 3: it quarterly and give you statements of what you got quarterly.

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Speaker 3: They're also on a cost reducing kick, so they're trying

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Speaker 3: to trim costs all over the place. This is one

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Speaker 3: of the ways they're doing it.

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Speaker 2: All right, Susan, I hope we have assuaged some of

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Speaker 2: your apprehensions. But again, you and I are definitely dinosaurs,

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Speaker 2: and I will fight for your right to be a dinosaur. Susan,

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Speaker 2: trust me, you have a very night.

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Speaker 7: You're very welcome.

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Speaker 2: All right, thank you so much. Here comes the news

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Speaker 2: at the bottom of the hour. Only one line open six, one, seven, two, four,

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Speaker 2: ten thirty. Jump on board and we'll get you in

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Speaker 2: before the eleven o'clock hour, when Mark will be departing

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Speaker 2: us and then he'll probably be preparing more taxes this weekend.

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Speaker 2: It's amazing that he will give us this time, at

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Speaker 2: this particularly time of year. I'm so grateful. Back on

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Speaker 2: night and I hope all of you are as well.

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Speaker 2: Back on night Side with Mark, Misslbeck. Right after the

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Speaker 2: news at the bottom of the hour.

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Speaker 1: You're on night Side with Dan Ray on BZY, Boston's

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Speaker 1: news radio.

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Speaker 2: Back to the calls we go from Mark Misselbeck. Mark,

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Speaker 2: we're the home stretch. Let's hang you in here, Carol

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Speaker 2: and Randolph. Carol, welcome, next done. Nice eye with my

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Speaker 2: friend Mark Misselbeck, CPA. Extraordinary, Go ahead, Carol.

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Speaker 6: Hi, Dan, Hi, Mark. I mean my question is my

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Speaker 6: husband is in his seventies and I'm working. I'm younger

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Speaker 6: than him, but I had always deferred collecting Social Security

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Speaker 6: and did I make a mistake doing that?

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Speaker 2: Well, that's that's not necessarily a tax question, but I'm

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Speaker 2: sure Mark has a thought on it. If you can

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Speaker 2: defer it and you can wait until seventy that maximizes

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Speaker 2: you should definitely take it no later than seventy because

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Speaker 2: it will earn greater interest for you.

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Speaker 6: Yes, that was my question. It was like I deferred,

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Speaker 6: how you whoa whoa?

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Speaker 2: How old are you now?

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Speaker 6: Sixty seven?

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Speaker 2: Okay, well you're you. You're still earning interest. It's getting

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Speaker 2: it's it's getting better every year. So if you can

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Speaker 2: afford to defer it, that's fine. At the same time,

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Speaker 2: by defer worrying it, uh, you're going to have to

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Speaker 2: get so scurty for a few years, for years to

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Speaker 2: make that up. You just do the math on it. Mark,

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Speaker 2: I wanted.

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Speaker 3: What the what is the long in your family?

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Speaker 6: Excuse me, I'm sorry, what.

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Speaker 3: Is the what is the longevity in your family? How

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Speaker 3: is your family history of health and survival?

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Speaker 6: With my husband, it's not good. And now I'm like

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Speaker 6: worrying about why didn't we collect when.

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Speaker 5: He should have?

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Speaker 3: Yeah, he should have. I'm asking you about your you

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Speaker 3: and your family, not him.

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Speaker 6: No, we're good.

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Speaker 3: Yeah, if if if your side of the family, if

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Speaker 3: your If your family parents live for a long period

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Speaker 3: of time, then what delaying is a good benefit, and

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Speaker 3: you will live long enough to collect more than you

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Speaker 3: would have taking it earlier in age. If, on the

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Speaker 3: other hand, you have a bad family health history, taking

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Speaker 3: it earlier makes more sense. It takes about twelve years

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Speaker 3: ten twelve years, I think to come out ahead. But

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Speaker 3: if you have longevity on your side, you will definitely

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Speaker 3: collect more out of Social Security. Excepting now the reports

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Speaker 3: are coming out, that's somewhere between twenty thirty three and

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Speaker 3: twenty thirty four. Unless Congress gets off its butt and

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Speaker 3: restores the funds that they raided out of the Social

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Speaker 3: Security funds, there's going to be a reduction to about

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Speaker 3: sixty five percent of the benefit you otherwise would yet,

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Speaker 3: because they can't fund the payouts. The actuarial work was

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Speaker 3: done when the program was set up to have more

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Speaker 3: money coming in on the front end to fund it.

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Speaker 3: As people aged and collected, then the benefits were expanded,

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Speaker 3: and Congress took the money that was supposed to be

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Speaker 3: set aside and invested on the overage to fund later

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Speaker 3: benefits and spend it currently giving IOUs to the Social

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Speaker 3: Security Administration. Those iouser coming do.

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Speaker 2: Yeah, they are, but also Congress will. I suspect that

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Speaker 2: Congress will not be able to cut Social Security. But

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Speaker 2: that's only that's my opinion. They have been arguing about

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Speaker 2: this for years and years and years. When Social Security

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00:22:23,240 --> 00:22:26,080
Speaker 2: first started in the late nineteen thirties, there were thirteen

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Speaker 2: people working for every benefic every person was receiving benefits.

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Speaker 2: That ratio is now I think down to about two

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Speaker 2: working for everyone. Also, when the baby boomers sort of

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Speaker 2: walked work through the system, there may be there may

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Speaker 2: be an impact there as well, which will have an impact.

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Speaker 3: I've called, in fact, into this earlier expiration of the

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Speaker 3: benefit money streams supporting the payouts.

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Speaker 2: So I'll ask you this question very quickly, Carol, at

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Speaker 2: what age did your parents your mom and dad.

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Speaker 6: Pass sixty eight and ninety.

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Speaker 2: Average it out, average it out. You're talking about probably

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Speaker 2: somewhere around eighty two. I guess whatever it is you

393
00:23:12,960 --> 00:23:16,919
Speaker 2: know to do the math. All right, that's all right,

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Speaker 2: that's not quite a tax question. But I think Mark

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Speaker 2: gave you a great answer. Thanks, Carol.

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Speaker 6: Our best concert ever. Jay Giles, Okay.

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Speaker 2: You call them eleven. You can go back at eleven,

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Speaker 2: you know, everybody gets a hall pass for eleven Thanks Carol.

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Speaker 2: Doctor later Okay, got to cap Rowling. You're gonna go

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00:23:33,359 --> 00:23:36,520
Speaker 2: to CG in Cambridge. CG. You were on with Mark

401
00:23:36,600 --> 00:23:37,960
Speaker 2: miszlbekerretta head CG.

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Speaker 5: Hello Dan Alt Mark. I appreciate you for this. And

403
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Speaker 5: I'm an old insurance policy. I bought it many many

404
00:23:48,080 --> 00:23:51,960
Speaker 5: years ago. Was worth one thousand dollars. I gotta notice

405
00:23:52,000 --> 00:23:55,520
Speaker 5: that it might that policy is now cash value, is

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Speaker 5: now worth over seventeen thousand if I cash it in?

407
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Speaker 5: Do I have to pay taxes and all of that?

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00:24:04,160 --> 00:24:08,639
Speaker 3: All of it? Know most of it? Yes, see the

409
00:24:08,680 --> 00:24:10,320
Speaker 3: ex Then you get out more than you put in.

410
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Speaker 3: You're going to have gain and it'll be ordinary income

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Speaker 3: subjects of the highest TEX rates.

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Speaker 5: Well, I understand though, if I die and my beneficiary

413
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Speaker 5: gets to seventeen thousand, uh, they don't have to pay

414
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Speaker 5: taxes on.

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Speaker 3: It because it's a death benefit.

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Speaker 5: Okay, So as a death benefit I'm good. As a

417
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Speaker 5: cash value, I pay taxes on quite a bit of it.

418
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Speaker 2: What's your what's your current tax rate?

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Speaker 5: At this point it's probably twenty percent?

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Speaker 2: Okay, So that means if you had if you get

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Speaker 2: seventeen thousand twenty seventeen thousand is a little bit more

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Speaker 2: than three thousand, probably thirty two thirty three.

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Speaker 3: Hundred twenty five percent Dan because he's a he's a

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Speaker 3: mass resident. There's another five that.

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Speaker 2: Oh yeah, how could I forget that? Okay? So yeah,

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00:25:00,000 --> 00:25:03,320
Speaker 2: you're talking about four thousand plus on seventeen thousand, you're

427
00:25:03,320 --> 00:25:06,719
Speaker 2: talking about forty two fifty as a matter of fact. Uh,

428
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Speaker 2: And you'd subtract that, and then you got to figure

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Speaker 2: how long you're going to live? How old are you? CG?

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Speaker 5: Eighty two?

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Speaker 2: Okay, well, you know again, it's not You're not fifty

432
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Speaker 2: two anymore. So you know, if if if you, if

433
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Speaker 2: you if the who's the beneficiary? Your son, daughter, your

434
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Speaker 2: your wife? Who's the beneficiary?

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Speaker 3: My wife?

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Speaker 2: Okay, I probably would let it go, but that's that's me.

437
00:25:33,080 --> 00:25:37,720
Speaker 5: Listen, Yeah, end of the policy that will cover her

438
00:25:37,800 --> 00:25:41,520
Speaker 5: for the rest of her life after I die. Okay, Yeah,

439
00:25:41,680 --> 00:25:43,920
Speaker 5: So thank you, Mark.

440
00:25:43,960 --> 00:25:45,960
Speaker 2: I think that's pretty solid on Cg's part.

441
00:25:46,000 --> 00:25:52,199
Speaker 3: What do you think, uh, young, he's bittering about taking

442
00:25:52,240 --> 00:25:54,960
Speaker 3: the best playing text planning advice I can ever give

443
00:25:56,160 --> 00:26:01,479
Speaker 3: you die Nobody wants tank, but that's that's what it is.

444
00:26:03,600 --> 00:26:05,760
Speaker 3: I'll cure all your tax problems and you just push

445
00:26:05,800 --> 00:26:07,119
Speaker 3: it off on your beneficiaries.

446
00:26:09,280 --> 00:26:14,960
Speaker 2: Thank you, CG. You'd be good, be well, my friend,

447
00:26:15,000 --> 00:26:18,119
Speaker 2: and hang around a long time. Okay, and hopefully you

448
00:26:18,119 --> 00:26:19,960
Speaker 2: can you can build up the value of that for

449
00:26:20,040 --> 00:26:21,159
Speaker 2: your wife as well. Okay.

450
00:26:22,160 --> 00:26:27,000
Speaker 5: Yeah, my family lives till there, late eighties, all way

451
00:26:27,080 --> 00:26:28,000
Speaker 5: up to ninety six.

452
00:26:28,280 --> 00:26:31,320
Speaker 2: Now you're talking. Now you're talking. That's living well is

453
00:26:31,320 --> 00:26:33,960
Speaker 2: the best prevented. Thanks GG. Talk to you soon. Good night.

454
00:26:35,000 --> 00:26:37,480
Speaker 2: I'm going to get one more in here before the break.

455
00:26:37,520 --> 00:26:39,359
Speaker 2: We'll go a little early here, going to go to

456
00:26:39,440 --> 00:26:42,800
Speaker 2: Rebecca in Milford. Rebecca, you were all with Mark, Misslbeka

457
00:26:42,880 --> 00:26:46,120
Speaker 2: right ahead, Rebecca. Hello, can you hear me, We can

458
00:26:46,160 --> 00:26:47,440
Speaker 2: hear you, just perfectly go out.

459
00:26:47,560 --> 00:26:51,000
Speaker 6: Oh thank you so much. I love listen as you did.

460
00:26:51,680 --> 00:26:53,560
Speaker 6: I've been on vacation so I hadn't listened to you,

461
00:26:53,600 --> 00:26:56,200
Speaker 6: but and I think I called it with Mark before Mark,

462
00:26:56,240 --> 00:27:03,680
Speaker 6: you take a new client. I'm sure at this point

463
00:27:04,440 --> 00:27:06,800
Speaker 6: you can't find accountants. There's a known fact there are

464
00:27:06,800 --> 00:27:08,600
Speaker 6: no accountants out there, but you have one.

465
00:27:09,000 --> 00:27:12,359
Speaker 2: Let me let me Claire, Well, let me just clarify here, Okay, Mark,

466
00:27:12,400 --> 00:27:16,240
Speaker 2: You folks do mainly high end in corporations.

467
00:27:16,280 --> 00:27:18,560
Speaker 3: Correct, pretty much?

468
00:27:18,640 --> 00:27:22,840
Speaker 2: Yeah, okay, So the question the small business owner, Okay,

469
00:27:23,040 --> 00:27:24,000
Speaker 2: how small.

470
00:27:25,480 --> 00:27:28,800
Speaker 6: A million millions?

471
00:27:29,080 --> 00:27:30,040
Speaker 2: I like the sound of that.

472
00:27:31,359 --> 00:27:33,760
Speaker 6: Well, you could always taxes.

473
00:27:33,880 --> 00:27:35,760
Speaker 2: You can always try it. No, I know you can

474
00:27:35,840 --> 00:27:40,719
Speaker 2: always try if you'd like to to reach Mark at

475
00:27:40,840 --> 00:27:45,640
Speaker 2: Cherry Beckheart Advisory, LLC. But and again, if you want

476
00:27:45,640 --> 00:27:46,960
Speaker 2: to give me a call during the week, I can

477
00:27:47,000 --> 00:27:49,480
Speaker 2: give you his his office number. You could find this.

478
00:27:49,640 --> 00:27:50,440
Speaker 6: I appreciate that.

479
00:27:50,520 --> 00:27:52,639
Speaker 2: But you go right in, what question do you have?

480
00:27:52,680 --> 00:27:53,680
Speaker 2: I'm sure you have a question.

481
00:27:53,760 --> 00:27:59,160
Speaker 6: Okay, Well, I had an accountant twenty nineteen through twenty

482
00:27:59,280 --> 00:28:02,200
Speaker 6: twenty four, and this is when we got those loans

483
00:28:02,320 --> 00:28:07,280
Speaker 6: with the COVID and she just it's just a mess.

484
00:28:07,320 --> 00:28:08,920
Speaker 6: I call the irs. One time I got a hold

485
00:28:08,920 --> 00:28:11,160
Speaker 6: of somebody was so nice. We went through every year

486
00:28:11,240 --> 00:28:14,480
Speaker 6: what was needed. Right now, I owe eighty thousand dollars.

487
00:28:14,480 --> 00:28:18,199
Speaker 6: But it's all of a steak, so new accounts. He'd say, Oh,

488
00:28:18,320 --> 00:28:20,560
Speaker 6: it's okay, it's all said. I'm like, are you sure

489
00:28:20,560 --> 00:28:22,159
Speaker 6: we take it a hold of them. We go in there.

490
00:28:22,200 --> 00:28:24,440
Speaker 6: He says, yeah, I'm just waiting for the letter because

491
00:28:24,440 --> 00:28:27,040
Speaker 6: you had to amend all of our taxes from twenty

492
00:28:27,119 --> 00:28:31,480
Speaker 6: nineteen to twenty twenty four, but we still have all

493
00:28:31,480 --> 00:28:35,879
Speaker 6: these penalties and interests which they did say was resolved

494
00:28:36,359 --> 00:28:39,200
Speaker 6: they would take off. I don't know if that's true

495
00:28:39,280 --> 00:28:44,200
Speaker 6: or not, but my question is, isn't there a certain timeframe,

496
00:28:44,320 --> 00:28:46,560
Speaker 6: like three years that you have to have them in

497
00:28:48,480 --> 00:28:50,800
Speaker 6: when you read your taxes? Is that true? Because I

498
00:28:50,800 --> 00:28:52,959
Speaker 6: thought I got a letter that said that, and then

499
00:28:53,000 --> 00:28:57,960
Speaker 6: you have like sixty days to amend it because we're nervous.

500
00:28:58,160 --> 00:29:05,560
Speaker 3: Well, the covid here era shutdowns caused special extensions of

501
00:29:05,720 --> 00:29:09,560
Speaker 3: filing times or delays in filing times. That has screwed

502
00:29:09,640 --> 00:29:15,680
Speaker 3: up the normal statutes. Normally, you file your return regular

503
00:29:15,760 --> 00:29:19,320
Speaker 3: time or on extension, whatever date you file it on.

504
00:29:19,400 --> 00:29:22,440
Speaker 3: If you file before the April fifteenth, it's treated as

505
00:29:22,440 --> 00:29:26,120
Speaker 3: an April fifteenth filing. You or the government each have

506
00:29:26,320 --> 00:29:30,560
Speaker 3: three years normally to make any changes to that return

507
00:29:32,160 --> 00:29:38,000
Speaker 3: if you omit a sufficiently large amount of income, no harm,

508
00:29:38,040 --> 00:29:41,280
Speaker 3: no foul. But because it's so out of whack, the

509
00:29:41,320 --> 00:29:43,400
Speaker 3: government gets an extra three years to come after you.

510
00:29:45,160 --> 00:29:51,640
Speaker 3: You engage in willful omissions fraud. There's no statue they

511
00:29:51,720 --> 00:29:53,280
Speaker 3: come after you whenever they want.

512
00:29:54,800 --> 00:29:58,000
Speaker 6: Well, the pause is it's in our favor that she

513
00:29:58,160 --> 00:30:00,720
Speaker 6: put in some of them as the last what we

514
00:30:00,720 --> 00:30:04,320
Speaker 6: got was for income, but the other three were supposed

515
00:30:04,320 --> 00:30:07,960
Speaker 6: to be put our income and she did so it's

516
00:30:08,000 --> 00:30:10,280
Speaker 6: actually in our favor, I know.

517
00:30:10,520 --> 00:30:14,880
Speaker 5: And the loans, it sounds like yes exactly.

518
00:30:15,680 --> 00:30:18,400
Speaker 6: And then the SBA loan, we think we had to

519
00:30:18,400 --> 00:30:21,080
Speaker 6: pay back and we did so. Then we got thirteen

520
00:30:21,120 --> 00:30:23,600
Speaker 6: thousand dollars in interest, but we did have to pay

521
00:30:23,600 --> 00:30:25,920
Speaker 6: it back. I mean, it was just a mess. I

522
00:30:25,920 --> 00:30:28,160
Speaker 6: mean we appreciate it. We really helped us out. We

523
00:30:28,200 --> 00:30:31,680
Speaker 6: were essential. But now I just get a letter like

524
00:30:31,720 --> 00:30:33,160
Speaker 6: every week and I'm like a levous rack.

525
00:30:35,320 --> 00:30:37,640
Speaker 3: If you put in amended returns to take care of

526
00:30:37,680 --> 00:30:41,400
Speaker 3: the taking the PPP loan amounts out of your income,

527
00:30:42,120 --> 00:30:47,120
Speaker 3: it should resolve itself. If you are not getting assurances

528
00:30:47,440 --> 00:30:50,800
Speaker 3: or action, the best thing I can do is tell

529
00:30:50,880 --> 00:30:57,240
Speaker 3: you don't dial nine one. One file is an IRS

530
00:30:57,280 --> 00:31:03,480
Speaker 3: form where it into the Taxpayer Advocate Service and they

531
00:31:03,520 --> 00:31:06,800
Speaker 3: will get involved to work with the IRS to straighten

532
00:31:06,800 --> 00:31:07,680
Speaker 3: out your problem.

533
00:31:08,760 --> 00:31:12,960
Speaker 7: Really, okay, yep, all right, well I didn't.

534
00:31:12,720 --> 00:31:14,880
Speaker 6: Know about that, so thank you, because like I'll keep saying,

535
00:31:14,880 --> 00:31:17,200
Speaker 6: everything's all good. But thank you very much.

536
00:31:17,680 --> 00:31:20,200
Speaker 2: Rebecca. You're very welcome. Where'd you go on vacations? And

537
00:31:20,280 --> 00:31:23,920
Speaker 2: we're good. I hope we go all right.

538
00:31:24,520 --> 00:31:27,080
Speaker 6: Oh to the ocean yesterday. So thank you guys, and

539
00:31:27,200 --> 00:31:28,120
Speaker 6: appreciate you. Mark.

540
00:31:28,560 --> 00:31:30,640
Speaker 2: All right, thanks to talk to you, sir.

541
00:31:30,760 --> 00:31:30,920
Speaker 8: Night.

542
00:31:31,040 --> 00:31:34,040
Speaker 2: All right, we will be back. I got Fred and

543
00:31:34,160 --> 00:31:36,920
Speaker 2: Arlington reader in Boston. Maybe we'll try to get one more,

544
00:31:36,960 --> 00:31:39,480
Speaker 2: but you got a call right now six one, seven, four,

545
00:31:39,760 --> 00:31:43,760
Speaker 2: ten thirty. The eleven o'clock hour awaits. We will we

546
00:31:43,800 --> 00:31:46,520
Speaker 2: will join that right after the eleven o'clock news where

547
00:31:46,560 --> 00:31:50,680
Speaker 2: we have another section, another segment with Mark Misselbeck coming

548
00:31:50,760 --> 00:31:51,680
Speaker 2: back on Nightside.

549
00:31:52,560 --> 00:31:56,840
Speaker 1: You're on night Side with Dan Ray on wz Boston's

550
00:31:56,880 --> 00:31:57,480
Speaker 1: news radio.

551
00:31:58,160 --> 00:32:00,200
Speaker 2: We're gonna try to get everybody in. Let's give been

552
00:32:00,200 --> 00:32:02,200
Speaker 2: a shot. Gonna go to Fred and Arlington fread next

553
00:32:02,280 --> 00:32:03,360
Speaker 2: time nights. I go out ahead.

554
00:32:04,560 --> 00:32:06,480
Speaker 8: Hey, damn, Mark, thank you so much for having this

555
00:32:06,880 --> 00:32:11,640
Speaker 8: subject today. I have a question about my son's twenty

556
00:32:11,680 --> 00:32:16,040
Speaker 8: twenty one taxes. We sent them in last year, right

557
00:32:16,080 --> 00:32:19,400
Speaker 8: before the deadline. He did them and I said, oh,

558
00:32:19,440 --> 00:32:21,720
Speaker 8: I'll bring him down to the post office and send

559
00:32:21,760 --> 00:32:26,360
Speaker 8: them certified meal for you and that was like April second,

560
00:32:26,400 --> 00:32:30,080
Speaker 8: and then this past week we got a letter saying sorry,

561
00:32:30,160 --> 00:32:33,560
Speaker 8: you missed the deadline, and I was like wow, and

562
00:32:33,600 --> 00:32:35,080
Speaker 8: I would check in it like a couple of weeks

563
00:32:35,120 --> 00:32:36,720
Speaker 8: after I sent it in, and finally I said it

564
00:32:36,760 --> 00:32:40,280
Speaker 8: was received. So I threw my certified mail receipt away

565
00:32:40,440 --> 00:32:43,640
Speaker 8: and now they're saying, like I said, and I have

566
00:32:43,720 --> 00:32:46,800
Speaker 8: no proof. I have my credit card receipts saying that

567
00:32:46,880 --> 00:32:49,520
Speaker 8: I sent it in on the second, and then to

568
00:32:49,600 --> 00:32:52,440
Speaker 8: double up on it, my son sent in a copy

569
00:32:52,560 --> 00:32:55,160
Speaker 8: of the twenty twenty one taxes a day before they

570
00:32:55,200 --> 00:32:57,000
Speaker 8: would do. I don't know if that messed up anything,

571
00:32:58,200 --> 00:33:00,880
Speaker 8: not certified regular mail. So I just wanted to know

572
00:33:00,880 --> 00:33:02,840
Speaker 8: if you had any suggestions for me, because it's like

573
00:33:03,480 --> 00:33:05,240
Speaker 8: three thousand, three hundred dollars.

574
00:33:05,880 --> 00:33:10,240
Speaker 2: It's like, okay, has to say mark all yours.

575
00:33:10,480 --> 00:33:14,400
Speaker 3: But you're saying twenty twenty one, not twenty twenty four.

576
00:33:15,960 --> 00:33:19,160
Speaker 8: Yeah, twenty twenty one, correct, So he.

577
00:33:19,160 --> 00:33:20,200
Speaker 2: Filed twenty one.

578
00:33:20,280 --> 00:33:23,840
Speaker 3: Was twenty one was due in twenty two, and you

579
00:33:23,920 --> 00:33:26,120
Speaker 3: filed it in twenty four twenty five?

580
00:33:27,840 --> 00:33:29,600
Speaker 8: I think it was twenty one, but I know like

581
00:33:29,680 --> 00:33:32,320
Speaker 8: it was. Don't you have what do you have three years.

582
00:33:33,520 --> 00:33:36,240
Speaker 3: No, No, you have only till April fifteenth to file.

583
00:33:36,840 --> 00:33:40,040
Speaker 3: You have three years after that to change the numbers

584
00:33:40,080 --> 00:33:43,000
Speaker 3: in the return, or the IRS to audit and change

585
00:33:43,040 --> 00:33:45,520
Speaker 3: the numbers in the return. You don't have an extra

586
00:33:45,560 --> 00:33:46,560
Speaker 3: three years to file.

587
00:33:48,040 --> 00:33:49,920
Speaker 8: Well, maybe I'm getting the years wrong. I just brought

588
00:33:49,960 --> 00:33:52,400
Speaker 8: it to the post office farm so I just wanted

589
00:33:52,400 --> 00:33:55,560
Speaker 8: to know if I have any recourse in regards that.

590
00:33:55,640 --> 00:33:57,240
Speaker 8: I went down to the Post office and they said

591
00:33:57,280 --> 00:33:59,480
Speaker 8: that their receipts can only go back forty five days.

592
00:34:00,160 --> 00:34:01,320
Speaker 8: They couldn't get one a year.

593
00:34:01,800 --> 00:34:04,800
Speaker 2: Yeah, I think I think you indeed do do here, Fred.

594
00:34:05,920 --> 00:34:09,520
Speaker 3: If you have if you have the card receipt, you

595
00:34:09,560 --> 00:34:14,080
Speaker 3: can you can write letters to the IRS Service center

596
00:34:14,120 --> 00:34:18,000
Speaker 3: that sent you the letter saying there's a penalty attention

597
00:34:18,160 --> 00:34:22,680
Speaker 3: the wave. The Waiver of Penalty Committee asked them to

598
00:34:22,760 --> 00:34:26,960
Speaker 3: consider waiving the penalties that were assessed for late filing

599
00:34:27,000 --> 00:34:30,239
Speaker 3: based on the receipt and if they can't see their

600
00:34:30,280 --> 00:34:34,200
Speaker 3: way clear to accept that as a reasonable cause or

601
00:34:35,200 --> 00:34:37,720
Speaker 3: not even reasonable cause, but evidence of a timely filing,

602
00:34:38,480 --> 00:34:41,760
Speaker 3: then ask them if they can't invoke. If you can't

603
00:34:41,920 --> 00:34:48,560
Speaker 3: invoke the first time waiver of penalty, Uh, program that

604
00:34:48,640 --> 00:34:52,160
Speaker 3: the IRS has if your son did not have a

605
00:34:52,160 --> 00:34:55,560
Speaker 3: penalty in the last three years assessed against him, it's

606
00:34:55,640 --> 00:34:58,279
Speaker 3: almost supposed to be an automatic waiver on these kinds

607
00:34:58,320 --> 00:34:58,920
Speaker 3: of penalties.

608
00:35:00,000 --> 00:35:01,680
Speaker 2: All right, Fred, that's the best we can do for you.

609
00:35:01,680 --> 00:35:02,560
Speaker 2: I got to keep rolling.

610
00:35:02,640 --> 00:35:04,839
Speaker 4: Thank you much, first time call again.

611
00:35:05,200 --> 00:35:07,560
Speaker 2: All right, Fred, we'll give you a round of applause here,

612
00:35:07,719 --> 00:35:10,120
Speaker 2: come on back soon. Let me kind of get one

613
00:35:10,239 --> 00:35:13,000
Speaker 2: at least one more in here we have, Thanks Fred.

614
00:35:13,040 --> 00:35:14,840
Speaker 2: We have Rita in Boston. readA. You got to be

615
00:35:14,920 --> 00:35:16,799
Speaker 2: quick for me, called late a getting a little tight

616
00:35:16,840 --> 00:35:17,839
Speaker 2: on time. Go ahead, Rita.

617
00:35:18,800 --> 00:35:26,360
Speaker 9: Okay, I am also a dinosaur. So and I would

618
00:35:26,440 --> 00:35:29,440
Speaker 9: like to know if i'd like to find a CPA

619
00:35:29,960 --> 00:35:34,000
Speaker 9: in Boston to do taxes. I had someone do my

620
00:35:34,120 --> 00:35:37,719
Speaker 9: taxes and there, you know, it was mailed back and

621
00:35:37,800 --> 00:35:42,120
Speaker 9: forth and it just got screwed up, not last year,

622
00:35:42,160 --> 00:35:45,759
Speaker 9: but the year before. So I'm looking for a certified

623
00:35:45,760 --> 00:35:48,640
Speaker 9: public accountant to do my taxes.

624
00:35:48,960 --> 00:35:53,360
Speaker 2: Okay, there is there a place mark that you know, like,

625
00:35:53,440 --> 00:35:56,799
Speaker 2: there's a bar association. I'm sure you could look it

626
00:35:56,880 --> 00:35:57,080
Speaker 2: up in.

627
00:35:57,080 --> 00:35:58,240
Speaker 5: A phone book.

628
00:35:58,360 --> 00:36:00,440
Speaker 9: Yeah, there's an oversight group.

629
00:36:01,560 --> 00:36:04,720
Speaker 3: Yeah, there's there's the Mass Society of c p as.

630
00:36:05,080 --> 00:36:07,239
Speaker 3: If you do a Google search, you'll come up with them.

631
00:36:07,880 --> 00:36:10,800
Speaker 7: And they should have a posting computer.

632
00:36:12,719 --> 00:36:15,480
Speaker 3: They should have a posting cps who are accepting clients.

633
00:36:17,440 --> 00:36:18,920
Speaker 9: Okay, the Society of.

634
00:36:21,239 --> 00:36:23,880
Speaker 3: Mass Society of c p AS m s c p

635
00:36:24,000 --> 00:36:24,680
Speaker 3: A dot org.

636
00:36:26,560 --> 00:36:29,359
Speaker 9: Okay, but I'm not on computers, so I'm not on

637
00:36:29,400 --> 00:36:32,640
Speaker 9: the internet. So do they have a phone number?

638
00:36:33,880 --> 00:36:37,160
Speaker 3: I would suggest, yeah, but I do I don't know

639
00:36:37,320 --> 00:36:37,719
Speaker 3: off hand.

640
00:36:38,440 --> 00:36:40,280
Speaker 2: Do you have anybody.

641
00:36:41,719 --> 00:36:44,080
Speaker 3: That has a computer. Do you have a smartphone where

642
00:36:44,080 --> 00:36:45,400
Speaker 3: you can do the search on the phone.

643
00:36:46,280 --> 00:36:47,600
Speaker 9: I don't have a smartphone.

644
00:36:47,719 --> 00:36:49,960
Speaker 2: Okay, do you have a friend who has a smartphone?

645
00:36:51,440 --> 00:36:51,680
Speaker 5: Well?

646
00:36:54,239 --> 00:36:57,360
Speaker 7: I do I do that?

647
00:36:59,160 --> 00:37:03,120
Speaker 2: Yeah? You know again, I wish I if we can't,

648
00:37:03,200 --> 00:37:06,320
Speaker 2: I you know again. You you got to find someone.

649
00:37:06,400 --> 00:37:11,160
Speaker 2: It's ms CPA dot org. Okay, it's the Mass Society

650
00:37:11,200 --> 00:37:14,719
Speaker 2: of CPAs uh. And there's a way that you can

651
00:37:15,000 --> 00:37:18,520
Speaker 2: call them through you know someone who you may have

652
00:37:18,600 --> 00:37:22,680
Speaker 2: who has a smart a smartphone. I I wish I

653
00:37:22,680 --> 00:37:24,319
Speaker 2: could do it for you right now. Matter of fact,

654
00:37:24,400 --> 00:37:26,280
Speaker 2: I can have the number right here, six one seven

655
00:37:26,400 --> 00:37:29,160
Speaker 2: five five six four thousand. Rob write this number down

656
00:37:29,400 --> 00:37:34,479
Speaker 2: six one seven five Rob write it down six one seven, five, five, six,

657
00:37:34,560 --> 00:37:38,799
Speaker 2: four thousand, Stay there, Rob will give you the number. Okay, Rob,

658
00:37:38,840 --> 00:37:41,520
Speaker 2: put her on hold and give it. Give it the number. Okay,

659
00:37:42,360 --> 00:37:47,720
Speaker 2: you got the number up, Gort, good, give it the number. Done. Mark.

660
00:37:48,480 --> 00:37:53,320
Speaker 2: There was a lot of different calls tonight. Okay, it

661
00:37:53,400 --> 00:37:56,239
Speaker 2: got a little wild, but you your your steady hand,

662
00:37:56,280 --> 00:37:58,400
Speaker 2: my friend. Thank you so much. I was able to

663
00:37:58,400 --> 00:38:02,680
Speaker 2: get the CPA number four er. So everybody get who called,

664
00:38:03,520 --> 00:38:06,800
Speaker 2: got some advice or some assistance, and that's all that matters.

665
00:38:06,880 --> 00:38:10,760
Speaker 2: Thanks Mark, Happy tax season. Please say HD to Sue

666
00:38:10,760 --> 00:38:12,000
Speaker 2: for me and we will talk soon.

667
00:38:12,040 --> 00:38:15,600
Speaker 3: Okay, sure, we will all right. Thank you for having

668
00:38:15,600 --> 00:38:16,320
Speaker 3: me again.

669
00:38:16,239 --> 00:38:19,040
Speaker 2: Thank you for being here. Thank you. I owe one

670
00:38:19,080 --> 00:38:22,880
Speaker 2: hundred percent favor favor and thanks to you. Thank you

671
00:38:22,920 --> 00:38:25,720
Speaker 2: so much, my friend. We will talk again. Ladies and gentlemen.

672
00:38:25,760 --> 00:38:30,400
Speaker 2: My friend Mark Misselbeck an extraordinary CPA and a gentleman,

673
00:38:30,600 --> 00:38:33,759
Speaker 2: and he has much more patience than I do. With

674
00:38:34,239 --> 00:38:39,160
Speaker 2: Cherry Beckhart Advisory LLC. We are going to the twenty

675
00:38:39,320 --> 00:38:41,920
Speaker 2: hours right after the eleven o'clock news. To those of

676
00:38:41,960 --> 00:38:45,719
Speaker 2: you who called late, I apologize. We'll have to get

677
00:38:45,760 --> 00:38:48,000
Speaker 2: you next year. Coming back on night side