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Nine Tailed Fox

Upgrading anything in your PC with your tax return?

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Save it to buy 2 new PS5 consoles...one for me and one for my son...nothing in the PC world sounds better than a PS5 as far as I know :( 

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On 1/29/2020 at 11:32 AM, Zaphryx said:

This may be a rather personal question, but how big is your average tax return? I work a ton, and only ever get maybe $25 at most in my return.

My wife and I both work full time and we earn around ~90k a year. We usually see ~$3,500...the trick is to claim '0' or find a balance where they take some out and you get some back. 

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I wooooould get something, but my brother has been having a hard time with getting decent work lately (he pays part of the rent) and I hadn't accounted for that so I'm behind on some stuff, returns will go to paying that off. 


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whip and nae nae

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Yeah, gonna be building a new pc then hand my old gaming to rig to my younger sibling. 


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Mine most likely is going into paying off credit cards. I already have what I want lol


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On 1/29/2020 at 4:48 PM, TetraSky said:

40hrs/week is pretty standard for the vast majority of people. In fact, how are you not dead at 80 hrs? 

Heck, assuming you work 5 days a week, at 80 hours, you've literally only got 8 hours per work day to do everything else that isn't work. This include eating, showering, shitting, sleeping, any sort of hobby, etc...

 

 

As for OP, I'm not even sure I'll get my tax return this year.(should be close to 3k if I calculated things right) I've recently(last week) noticed that I fucked up when I got my new job last year and inverted two numbers for my SIN. I've tried getting it fixed, but won't know until tax season starts proper.

40 hours a week at two separate jobs, for 3 months straight. I know this, because neither job allows me to work over 40 hours, so I just go right up to the max.

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9 hours ago, BuckGup said:

Saving it. I don't know why people feel like they HAVE to spend it 

A lot of people living paycheck to paycheck, gives them an opportunity to treat themselves. 

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7 hours ago, Andreas Lilja said:

A lot of people living paycheck to paycheck, gives them an opportunity to treat themselves. 

Definitely true - on the flip side, those people living paycheque to paycheque almost certainly have no long term savings, no retirement savings, no emergency slush fund, etc.


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7 hours ago, Andreas Lilja said:

A lot of people living paycheck to paycheck, gives them an opportunity to treat themselves. 

Or start saving so they don't have to live paycheck to paycheck 


ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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̌̅̒̾̈́̆͌̌̾̎̽̐̅̏́̈̔͛̀̋̃͊̒̓͗͒̑͒̃͂̌̄̇̑̇͛̆̾͛̒̇̍̒̓̀̈́̄̐͂̍͊͗̎̔͌͛̂̏̉̊̎͗͊͒̂̈̽̊́̔̊̃͑̈́̑̌̋̓̅̔́́͒̄̈́̈̂͐̈̅̈̓͌̓͊́̆͌̉͐̊̉͛̓̏̓̅̈́͂̉̒̇̉̆̀̍̄̇͆͛̏̉̑̃̓͂́͋̃̆̒͋̓͊̄́̓̕̕̕̚͘͘͘̚̕̚͘̕̕͜͜͝͝͝͠͝͝͝͝͠ͅS̷̢̨̧̢̡̨̢̨̢̨̧̧̨̧͚̱̪͇̱̮̪̮̦̝͖̜͙̘̪̘̟̱͇͎̻̪͚̩͍̠̹̮͚̦̝̤͖̙͔͚̙̺̩̥̻͈̺̦͕͈̹̳̖͓̜͚̜̭͉͇͖̟͔͕̹̯̬͍̱̫̮͓̙͇̗̙̼͚̪͇̦̗̜̼̠͈̩̠͉͉̘̱̯̪̟͕̘͖̝͇̼͕̳̻̜͖̜͇̣̠̹̬̗̝͓̖͚̺̫͛̉̅̐̕͘͜͜͜͜ͅͅͅ.̶̨̢̢̨̢̨̢̛̻͙̜̼̮̝̙̣̘̗̪̜̬̳̫̙̮̣̹̥̲̥͇͈̮̟͉̰̮̪̲̗̳̰̫̙͍̦̘̠̗̥̮̹̤̼̼̩͕͉͕͇͙̯̫̩̦̟̦̹͈͔̱̝͈̤͓̻̟̮̱͖̟̹̝͉̰͊̓̏̇͂̅̀̌͑̿͆̿̿͗̽̌̈́̉̂̀̒̊̿͆̃̄͑͆̃̇͒̀͐̍̅̃̍̈́̃̕͘͜͜͝͠͠z̴̢̢̡̧̢̢̧̢̨̡̨̛̛̛̛̛̛̛̛̲͚̠̜̮̠̜̞̤̺͈̘͍̻̫͖̣̥̗̙̳͓͙̫̫͖͍͇̬̲̳̭̘̮̤̬̖̼͎̬̯̼̮͔̭̠͎͓̼̖̟͈͓̦̩̦̳̙̮̗̮̩͙͓̮̰̜͎̺̞̝̪͎̯̜͈͇̪̙͎̩͖̭̟͎̲̩͔͓͈͌́̿͐̍̓͗͑̒̈́̎͂̋͂̀͂̑͂͊͆̍͛̄̃͌͗̌́̈̊́́̅͗̉͛͌͋̂̋̇̅̔̇͊͑͆̐̇͊͋̄̈́͆̍̋̏͑̓̈́̏̀͒̂̔̄̅̇̌̀̈́̿̽̋͐̾̆͆͆̈̌̿̈́̎͌̊̓̒͐̾̇̈́̍͛̅͌̽́̏͆̉́̉̓̅́͂͛̄̆͌̈́̇͐̒̿̾͌͊͗̀͑̃̊̓̈̈́̊͒̒̏̿́͑̄̑͋̀̽̀̔̀̎̄͑̌̔́̉̐͛̓̐̅́̒̎̈͆̀̍̾̀͂̄̈́̈́̈́̑̏̈́̐̽̐́̏̂̐̔̓̉̈́͂̕̚̕͘͘̚͘̚̕̚̚̚͘̕̕̕͜͜͝͠͠͝͝͝͝͠͝͝͝͠͝͝͝͝͝͝ͅͅͅī̸̧̧̧̡̨̨̢̨̛̛̘͓̼̰̰̮̗̰͚̙̥̣͍̦̺͈̣̻͇̱͔̰͈͓͖͈̻̲̫̪̲͈̜̲̬̖̻̰̦̰͙̤̘̝̦̟͈̭̱̮̠͍̖̲͉̫͔͖͔͈̻̖̝͎̖͕͔̣͈̤̗̱̀̅̃̈́͌̿̏͋̊̇̂̀̀̒̉̄̈́͋͌̽́̈́̓̑̈̀̍͗͜͜͠͠ͅp̴̢̢̧̨̡̡̨̢̨̢̢̢̨̡̛̛͕̩͕̟̫̝͈̖̟̣̲̖̭̙͇̟̗͖͎̹͇̘̰̗̝̹̤̺͉͎̙̝̟͙͚̦͚͖̜̫̰͖̼̤̥̤̹̖͉͚̺̥̮̮̫͖͍̼̰̭̤̲͔̩̯̣͖̻͇̞̳̬͉̣̖̥̣͓̤͔̪̙͎̰̬͚̣̭̞̬͎̼͉͓̮͙͕̗̦̞̥̮̘̻͎̭̼͚͎͈͇̥̗͖̫̮̤̦͙̭͎̝͖̣̰̱̩͎̩͎̘͇̟̠̱̬͈̗͍̦̘̱̰̤̱̘̫̫̮̥͕͉̥̜̯͖̖͍̮̼̲͓̤̮͈̤͓̭̝̟̲̲̳̟̠͉̙̻͕͙̞͔̖͈̱̞͓͔̬̮͎̙̭͎̩̟̖͚̆͐̅͆̿͐̄̓̀̇̂̊̃̂̄̊̀͐̍̌̅͌̆͊̆̓́̄́̃̆͗͊́̓̀͑͐̐̇͐̍́̓̈́̓̑̈̈́̽͂́̑͒͐͋̊͊̇̇̆̑̃̈́̎͛̎̓͊͛̐̾́̀͌̐̈́͛̃̂̈̿̽̇̋̍͒̍͗̈͘̚̚͘̚͘͘͜͜͜͜͜͜͠͠͝͝ͅͅͅ☻♥■∞{╚mYÄÜXτ╕○\╚Θº£¥ΘBM@Q05♠{{↨↨▬§¶‼↕◄►☼1♦  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EDIT - Im just bitching about tax codes so I will stick to topic instead

 

No I don't think so, I don't get the time to game I would like and don't see that changing in the near future and am happy with my rigs as is right now.  But I do have an itch to replace the GPU in RR1 in sig.  


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My return is less than $100 if I've done my work correctly through the year.  I guess I could buy a game with it but it'll probably just sit there. 


"A promise is a promise"

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17 hours ago, steelo said:

My wife and I both work full time and we earn around ~90k a year. We usually see ~$3,500...the trick is to claim '0' or find a balance where they take some out and you get some back. 

That's not a "trick" you don't want to give the government more money than you need to.  That money could be yours through the year and be put to work. 


"A promise is a promise"

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Hint: You do not want to get a tax return from the government because it means you gave them an interest-free loan for a year for not doing your taxes right. In fact, it is better to actually OWE a small amount of taxes (under $1000) every year because it means you got to borrow money from the government and earn interest off of it for a whole year before you pay your taxes. 

 

As for me, I own a business so every tax year I always end up owing money to the government, and this year will be no exception. So no, I will not be upgrading anything with my tax return. I will be writing a check to uncle sam as I do every year to run the country I live in the United States. Now how efficiently that money is used is a debate for another time and another forum.

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6 minutes ago, CircleTech said:

You do not want to get a tax return from the government because it means you gave them an interest-free loan for a year for not doing your taxes right.

If you still make enough to live fine off of does it matter? I don't mind overpaying on taxes if I get a noice return later on. 


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whip and nae nae

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22 minutes ago, Zando Bob said:

If you still make enough to live fine off of does it matter? I don't mind overpaying on taxes if I get a noice return later on. 

The reason why people say its bad is because the money you overpaid to the government could be put into something else that could actually grow. Even throwing the extra money in a bank savings account is better than giving it to the government and cashing out the next year, because the savings account still has interest.

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2 minutes ago, Mira Yurizaki said:

The reason why people say its bad is because the money you overpaid to the government could be put into something else that could actually grow. Even throwing the extra money in a bank savings account is better than giving it to the government and cashing out the next year, because the savings account still has interest.

Eh I guess that's valid. I'm just not all that worried about it tbh. I can eat and enjoy my hobbies so I'm good. ?


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27 minutes ago, Zando Bob said:

If you still make enough to live fine off of does it matter? I don't mind overpaying on taxes if I get a noice return later on. 

Your opinion on how much you care about whether you get a tax return or not will depend on on how efficiently you think your government uses your tax money.

 

If you think your government efficiency uses your tax revenue on high quality low cost services, then maybe you don't care about overpaying on taxes to get a nice unexpected windfall every tax year. 

 

However if you think your government inefficiently wastes money on entitlement spending and wars, then you want to give the government as little money as you legally can out of principal.

 

I don't know which one you fall into, but I think you can guess where I am.

 

There is also the more practical reason @Mira Yurizaki noted above which will apply no matter what you think.

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1 hour ago, BuckGup said:

Or start saving so they don't have to live paycheck to paycheck 

If you don't understand their situation, this is like telling a depressed person they can be cured of their depression by suggesting "have you tried not being sad?"

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2 hours ago, Zando Bob said:

If you still make enough to live fine off of does it matter? I don't mind overpaying on taxes if I get a noice return later on. 

As others have said, even if you ignore the moral arguments about paying extra taxes, there's a financial reason:

 

If you simply saved that small amount of extra tax you paid, and put it into a Savings Account (Especially a "high interest" one), you'll make a few bucks by the end of the year.

 

Additionally, you could put that money into an actual investment for potentially much higher returns (but also more risk).

 

So if your returns are massive (Like $1000+), you'd be better off taking that same amount and putting it into an investment account. Even a paltry 1.5% APR will net you an extra $15 at the end of the year (more, technically, since most interest accounts pay out monthly, so you've got monthly compound interest in your favour.

 

If someone is getting even larger returns ($4000+), that's $60 of "free" money at 1.5% interest. A few people mentioned they'd be getting back like $20K - that's $300 from the interest alone.

 

So it depends. If your returns are small ($100-200), it's probably not worth the hassle of "optimizing" your taxes, especially if you have to deal with payroll who might not want to mess with the way they do things.

 

For me, I typically get around $100-$200 back, and I'm okay with that. I don't have any kids, so that disqualifies me from most of the good tax credits anyway. Most of my tax credits come from Student Loan interest payments (In Canada, you can claim 15% of your interest payments as a credit), and RRSP (Registered Retirement Savings Plan) payments - basically, any money you put into an RRSP is tax free (and therefore lowers your taxable income by whatever the amount you contributed for the year) - and instead, you get taxed when you Withdraw money from the RRSP when you retire (the theory is that most people make less money, and therefore are in a lower tax bracket, when they're retired).

 

I have a full pension (from when I retire to the day I die), so an RRSP is just supplemental income for me, so I don't put much in there - but it still helps a bit.


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Maybe for better fps in tarkov. 


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3 hours ago, Velcade said:

That's not a "trick" you don't want to give the government more money than you need to.  That money could be yours through the year and be put to work. 

It all depends on how you look at it...IMO, I'd rather pay a little more throughout the year and not get a nasty surprise come tax time, owing the IRS money (which they will undoubtedly charge interest for)

 

I think the best advice is to find a balance between owing at the end of the year and giving the govt an interest free loan.

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2 hours ago, Mira Yurizaki said:

If you don't understand their situation, this is like telling a depressed person they can be cured of their depression by suggesting "have you tried not being sad?"

Not in any way is that a fair comparison. Its more like telling a depressed person different ways they could potentially get help. Telling someone whos living paycheck to paycheck to start saving and budgeting better is the best advice they could get.

 

If your living paycheck to paycheck, no savings, one bad event (car repair, house repairs, etc) will really hurt you financial and then you get a hefty tax return to spend on crap....then that person is just being dumb with their money. And with that kind of mentality its unlikely they are going to ever stop living paycheck to paycheck.

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14 minutes ago, steelo said:

I think the best advice is to find a balance between owing at the end of the year and giving the govt an interest free loan

Absolutely. This is the goal. 


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3 hours ago, Mira Yurizaki said:

If you don't understand their situation, this is like telling a depressed person they can be cured of their depression by suggesting "have you tried not being sad?"

Depression and financial stability are two completely different problems. 


ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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I ended up paying on my taxes this year.  So nothing, lmao.


Currently focusing on my video game collection.  Here's what I got so far.  

Keep in mind I'm still grabbing multiplatform games on PC, unless they happen to be cheaper on PS4 or Switch (such as RDR2 as of right now)

 

Currently Playing:  

  • Animal Crossing: New Horizons - Switch
  • Super Mario Maker 2 - Switch

Games Beaten:

  • God of War - PS4
  • The Witcher 3: Wild Hunt - Switch

(will be reset at the beginning of each month)

Put on hold:

  • Splatoon 2 - Switch

 

How many games I'm needing:

  • DS: 82
  • Wii: 38
  • 360/PS3: 84
  • 3DS: 60
  • Wii U: 6
  • PS Vita: 34
  • PS4: 20
  • Switch: 16

 

 

 

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