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Getting Married64010@6  24     `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_    HEADING "FINFOWKSHNAME  FINFOWKS* HNAME rzASSWKS3S2004US1040PER1801Getting Married%Future Tax Strategy - Getting Married65512004.1 CWFP01LC1222.1D:NAME SSN NAM2 SSN2   4*Name Page 2 name Page 2 SSN  <2 %NameSsn Page 2 name Page 2 SSN ,"80: 0709 0 8:?L?9MMM MMM>MX.=.=8:GG G G GGDDDDDDDDBB @  >  > > @  > !> ">##B$B&&D''B(B) )@ *@ +@, ,@ - -> . .> / /> 0>1 1@ 2@33B4 4@5 5@6 6@77B8 8@ 9@: :@ ; ;> < <> =>K/L/MM.M( ?/E @  > > @ @ @  D  B  B @ @DBB @ @BBBBBBDB @  @!!B##D$$B%%B&B''B(B**D++B,B-B>4 MA/AM/M  Mpp.@BT~CC8:E79DOSSR  +! Getting Divorce64110@6  24     `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_    HEADING "FINFOWKSHNAME  FINFOWKS* HNAME r{ASSWKS4S2004US1040PER1801Getting Divorce&Future Tax Strategy - Getting Divorced65612004.1 CWFP01LC1222.1D:NAME SSN NAM2 SSN2   4*Name Page 2 name Page 2 SSN  <2 %NameSsn Page 2 name Page 2 SSN ,"80: 0709 0 G Future Tax Strategy Advisor4 For Tax Year Buying a Home 2004Name(s) Shown on ReturnSocial Security Number4XBuying your first home, a second, third, or even a vacation home is an exciting event.4^The Future Tax Strategy Advisors will help you prepare for the changes buying a home brings to4your tax situation.4`When it's time to prepare your taxes next year, TurboTax will guide you through your tax return,4Ealerting you to the deductions that accompany the purchase of a home. Contents4I.4Your Settlement Statement4II.4*Documents You Should Save for Your Records4III.4Other Tax Tips and Savings4IV.4Additional Information4I.4Your Settlement Statement:4A.3TThe Settlement Statement you receive after purchasing a home contains additional tax3deductions such as:41.3NReal property taxes paid (or credited) in escrow. These taxes may be included 3Ron your impound account's year-end statement. Make sure you include them when you 3prepare your 2004 tax return.42.3TMortgage interest paid in escrow. Check the Form 1098 you receive from your mortgage3Ocompany to make sure the amount of interest paid in escrow is included on your 3 Form 1098.43.3VPoints (loan origination costs) paid to your mortgage company. These are deductible in3the year you buy your home.4B.3YForm 1098 reports your mortgage interest payments and generally includes the property tax3Hyou paid on your home. Expect to receive your Form 1098 in late January.41.3UForms 1098 will also include any mortgage interest that you pay on "second loans" on 3 your home.4II.4*Documents You Should Save for Your Records4A.3 Settlement statement containing:41.3the purchase price of your home42.3Uthe closing costs you pay on your home, such as recording fees. These costs are added3#to the purchase price of your home.43.3Tother costs that don't get added to the purchase price of your home such as points, 32interest, and real property taxes paid or credited4B.3RKeep receipts and canceled checks for improvements made to your home. Improvements3Xsuch as new flooring, a security system, or a room addition increase the purchase price 3(or cost basis) of your home.4C.3PFor more information on Selling Your Home, see our Future Tax Strategy Advisors.4III.4Other Tax Tips and Savings4A.3XUsually, mortgage interest and property taxes on your new home will push your deductible3Sexpenses higher than the standard deduction and allow you to take advantage of the 3!benefits of itemizing deductions.41.3UIf you buy your home late in the year, you may not be able to itemize your deductions3Zuntil next year. If you can't itemize deductions in 2004, it may be best to delay payments3Wfor any deductible expenses such as charitable contributions, until 2005. This way you 3Ycan take advantage of these deductions in 2005 instead of "losing" the deduction in 2004.G Buying a Home4@ Page3 42 42.3SSave receipts for other common itemized expenses, such as property taxes, DMV fees,3Fcharitable contributions, and other miscellaneous deductible expenses.4B.36Using early distributions from IRAs as a down payment:41.3Gyou can take distributions of up to $10,000 from your IRA to buy a home42.3@under this rule, you are not penalized for an early distribution43.3=to qualify, you cannot have owned a home for the last 2 years4C.3Moving expenses:41.3RIf you are moving because you switched jobs, you may be able to deduct your moving3 expenses.42.3CSave your moving expense receipts for transportation, storage, etc.43.3CTurboTax will help you figure which moving expenses are deductible.44.3TFor additional information on moving expenses, see IRS Publication 521 available at 3!www.irs.gov/forms_pubs/pubs.html.4D.3Using your home for business:41.3TIf you use an area of your home exclusively for business, you can take certain home 3Wexpenses such as depreciation on your home and the cost of utilities and other expenses3as a home office deduction.42.3OKeep receipts for expenses such as utilities, cleaning, repairs, and insurance.43.3WJust enter your business expenses in the appropriate place and TurboTax will calculate 3your home office deduction.44.3YFor additional information see IRS Publication 587 -- Business Use of Your Home for more 3;information, available at www.irs.gov/forms_pubs/pubs.html.4E.3Seller-Financed Mortgage:41.3RReport any mortgage interest you pay to the seller. You'll need the seller's name,3?address and social security number to enter on your tax return.42.3SThe seller may also ask you for your social security number to report the mortgage 3 interest you paid to the seller.43.3WIf you don't receive a Form 1098 from the seller, you'll need an amortization schedule 3Gshowing your monthly principal and interest breakdown for tax purposes.4F.3/Mortgage interest credit for low-income buyers:41.3YContact the appropriate government agency (i.e., state or local agency) about getting an 3SMCC (mortgage credit certificate) before you buy your home. This credit allows you 3*additional tax benefits for buying a home.42.3]Contact your state or local housing finance agency for information about the availability of 3MCCs in your area.4IV.4Additional Information4A.3XTurboTax will lead you through your itemized deductions, including the mortgage interest3Sand property taxes you paid on your new home. If you're not familiar with itemized 3Sdeductions, you may want to look at the Deductions section of this year's TurboTax.4B.3YIf you use your home for business review the Interview section covering Business Income, 31which has information on deducting a home office.4C.3UFor additional information see IRS Publication 530 -- Tax Information for First-Time 39Homebuyers, available at www.irs.gov/forms_pubs/pubs.html8:;L;9MMMMMM:MG.=.=8:G G G G GGDDDDDBB @ @ @ @ @ @ @ @!!B"B# #@ $@&&D''B( (@) )@ *@+ +@ ,@--B.B/B00B22D33B4B5B6 6@ 7@ 8@ 9@K1L1MM0M G/E @ @B @ @  @  B  @ @  @ @ @ @B @ @ @ @ @ @ @ @B @ @ @ @ @ @!!B" "@ #@ $@% %@ &@((D))B*B+B,,B-B..B/B>4 MB5BM5M  Mww.@BT~DD8:E79DOSSR  ) Buying a Home64210@6  24     `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_    HEADING "FINFOWKSHNAME  FINFOWKS* HNAME rvASSWKS5S2004US1040PER1801 Buying a Home#Future Tax Strategy - Buying a Home65712004.1 CWFP01LC1222.1D:NAME SSN NAM2 SSN2   4*Name Page 2 name Page 2 SSN  <2 %NameSsn Page 2 name Page 2 SSN ,"80: 0709 0 F Future Tax Strategy Advisor4 For Tax Year Selling a Home 2004Name(s) Shown on ReturnSocial Security Number4]People sell their homes for various reasons, such as relocating for a new job or moving to a 46larger home to provide more room for a growing family.4cThe Future Tax Strategy Advisor will help you prepare for the changes selling a home brings to your4 tax situation.4bWhen it's time to prepare your taxes next year, TurboTax will guide you through reporting the sale4 of your home. Contents4I.4Selling Your Home for a Profit4II.4(How to Minimize Gain from Your Home Sale4III.4Losses on Home Sale4IV.4"Documents to Keep for Your Records4V.4Other Tax Tips and Savings4VI.4Additional Information4I.4Selling Your Home for a Profit4A.3^If you sell your home for a profit, you may be able to exclude part or all of the gain on your3 tax return.41.3TYou can exclude up to $500,000 of profit if you're married filing a joint return or 3$250,000 if you are single and:4a.3Nyou did not exclude gain on a home sale in the 2 years prior to your sale date4b.3Kyou live in your home for at least 2 of the 5 years prior to your sale date4B.3^If your entire gain is excluded from your income, you do not have to report the sale on your 3return.4C.3\There are special rules to follow in order to exclude the gain on your home sale if you sell3.your home to a family member or your business.4II.4)How to Minimize Gain from Your Home Sale4A.3ZYou can reduce the amount of gain reported on your tax return by the cost of improvements 3Wyou made to your home during your ownership. These amounts increase the "cost basis" of3 your home, and reduce your gain.3!Examples of improvements include:41.3new flooring or carpet42.3security system43.3room additions4B.3UExpenses to fix up your home for sale decrease the amount of gain you report on your 3 tax return.4C.3XYour closing costs at settlement such as realtor commissions will also reduce your gain.3LSettlement statements you receive after buying or selling your home contain 3-closing costs for both the purchase and sale.4III.4Losses on Home Sale4A.30Loss on the sale of your home is not deductible.4B.3[Don't forget to review your settlement statement for additional deductions such as mortgage3 interest or property taxes paid.( Selling a Home4@ Page3 42 4IV.4"Documents to Keep for Your Records4A.3ZKeep the settlement statement you received both for the purchase of your home and its sale3]to show the amount of gain (or loss) from the sale. Even if you are able to exclude the gain,3Kthis statement is a good receipt to prove the income or loss from the sale.4B.3ZRefer to the settlement statement in the year you sell your home for additional deductions3@such as property taxes and mortgage interest paid at settlement.4C.3UKeep your property tax statements or annual escrow account statement throughout your 3Nhome ownership. You should also keep all year end statements from your lender.4V.4Other Tax Tips and Savings4A.3WIf you used your home partly for business or as a rental property, you must report some31income for any depreciation you took on the home.4B.3ZIf you jointly own the home with someone who is not your spouse, figure your gain or loss 31according to your ownership interest in the home.4C.3ZIf you've lost your home to foreclosure, you may have additional income to report for the 3Zloan that was "forgiven." For more information, see IRS Publication 908 - Bankruptcy Tax 34Guide available at www.irs.gov/forms_pubs/pubs.html.4D.3YIf you loan money to the buyer of your home, create a loan repayment schedule that breaks3Ydown the monthly payment your receive on your loan into interest and principal portions. 41.3FUse this schedule to report the interest income you receive each year.42.3/Create a loan repayment schedule using Quicken.4VI.4Additional Information4A.3JTurboTax will walk you through reporting your home sale for tax purposes. 4B.3WFor additional information, See IRS Publication 523 -- Selling Your Home, available at 3 www.irs.gov/forms_pubs/pubs.htmltj8:9L99MMMMMM8MF.=.=8:GG G G GGGDDDDDDDBB @ @  >  >  B!B""B#B%%D&&B'B(B)B* *@+ +@, ,@--B.B//B0B1B33D44B55B6BKLMMM (/EDBBBB B  B B  DBBBBBBBBB @ @DBBB>4 M@@MM  M__.@BT~BB8:E79DOSSRD:NAME SSN NAM2 SSN2   * Selling a Home64310@6  24      4*Name Page 2 name Page 2 SSN `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_      HEADING<2 %NameSsn Page 2 name Page 2 SSN "FINFOWKSHNAME  FINFOWKS * HNAME r,"80: 0709 0xASSWKS6S2004US1040PER1801Selling a Home$Future Tax Strategy - Selling a Home65812004.1 CWFP01LC1222.1`VNAME SSN NAM2 SSN2 NAM3 SSN3   SI !.<Name Page 2 name Page 2 SSN Page 3 name Page 3 SSN(&&O Future Tax Strategy Advisor4 For Tax Year Starting a Business 2004Name(s) Shown on ReturnSocial Security Number4\Starting a new business can be exciting. It is also accompanied by numerous changes in your4tax situation.4]The Future Tax Strategy Advisor will provide you with valuable information about getting your4 business up and running.4gAnd when it's time to file your tax return next year, TurboTax will guide you through the entire return4Dand help you complete all tax forms necessary for your new business. Contents4I.4When to Get a Tax ID Number4II.4.Accounting for Your Business in the First Year4III.4Employees or Contract Workers4IV.4Quarterly Tax Payments4V.4-Deductions That Require Special Recordkeeping4VI.4Retirement Savings Options4VII.4 Home Office4VIII.4$Resources for Additional Information4I.4When to Get a Tax ID Number4A.3TYou don't need to apply for an employer identification number (EIN) unless you hire 38employees or set up a retirement plan for your business.41.3EIf you need to apply for an EIN, use Form SS-4 available in TurboTax.42.3RYou can also request an EIN by phone (FAQs in TurboTax provide the phone numbers.)4B.3UIf you hire employees and need to prepare Forms W-2 at the end of the year, the Home 3/and Business version of TurboTax will help you.4II.4.Accounting for Your Business in the First Year4A.36Keep your business and personal transactions separate:41.3UThe IRS looks more favorably on business records that don't have personal items mixed3in. 42.3WSet up separate bank and credit card accounts for your business transactions. If you do3[use a credit card for both business and personal transactions, indicate on the credit card 3Qstatement which items are business-related and save your monthly statements with 3your business receipts.4B.3Accounting methods:41.3RSelect 4Cash Method3 if you want to record income when you receive payments and 3"record expenses when you pay them.42.3SSelect4 Accrual Method3 if you want to record income when it's earned instead of 3Ecollected and record expenses when they are incurred instead of paid.43.3KTurboTax contains additional information on selecting an accounting method.4C.3&Business expenses paid by credit card:41.3GCredit card purchases are basically treated the same as cash purchases.42.3YIf you use your credit card to pay for business expenses, deduct the expenses in the year3>you charge them, not in the year you pay the credit card bill.4D.3!Business machinery and equipment:41.3YDepreciate the cost of your assets over several years instead of deducting them entirely 3in the year you buy them.42.3TIRS code Section 179 allows you to deduct up to $100,000 for purchases of equipment,3Pfurniture, and other business-related assets in the year of purchase instead of 3-depreciating the cost over a number of years.L Starting a Business4@ Page3 42 4E.3Start-up Costs:41.3VKeep track of any costs you incur before you open your doors for business. Even though3[they are not fully deductible in the first year, you can deduct start-up costs the same way3you depreciate an asset. 4III.4Employees or Contract Workers4A.3WIf other people work for your business, they will be categorized as either employees or3Xindependent contractors. It's important to distinguish between employees and independent3 contractors. 41.3?Test for distinguishing employees from independent contractors:4a.3TIf you direct their hours and provide equipment for the workers, they are considered3 employees.4b.3TIf they are free to set their hours and have their own equipment they are considered3independent contractors.4B.3WThe IRS is interested in how you classify your workers since you aren't required to pay3*payroll taxes for independent contractors.41.3SYou must provide independent contractors a Form 1099-MISC if you pay them more than3$600 during the year.42.3AYou are not required to provide a Form 1099-MISC to corporations.43.3TRemember to get social security numbers and addresses from contractors when you hire3them.44.3UYou must provide employees a Form W-2 to report their annual wages and payroll taxes.45.3SThe Form W-2/1099 Reporter, available in the Home and Business version of TurboTax,3:can prepare the necessary Forms W-2 and 1099-MISC for you.4C.3SFor more information, see IRS Publication 15-A - Employer's Supplemental Tax Guide,3.available at www.irs.gov/forms_pubs/pubs.html.4IV.4Quarterly Tax Payments4A.3ZIf self-employment is new to you, you'll need to know how to pay your taxes quarterly. Use3Uestimated tax payment vouchers (Form 1040_ES) to send the IRS your payments. TurboTax3$will prepare these vouchers for you.4B.3YThere is often the potential for a tax loss in your business' first year due to equipment3Zpurchases and start-up costs. A tax loss in the first year provides you with a significant3Ttax break when it's offset against other taxable income such as wages and investment3Rincome. If you have a loss you probably won't need to make quarterly tax payments.4C.3WUse the planning section in TurboTax to estimate your 2004 taxes. TurboTax will prepare3Many necessary tax payment vouchers. See the "Estimated Tax Payments" section.4V.4-Deductions That Require Special Recordkeeping4A.3*Business meals and entertainment expenses:41.3WThe IRS often looks closely at these expenses. Make sure to record the business purpose3+for incurring the expense on your receipts.42.3PMeals and entertainment expenses must clearly be related to your business to be 3 deductible.43.3VAn alternative to recording information on receipts is to use your appointment book to31record meetings and the related business purpose.44.3PNo matter how you choose to record your business information, it's important to 3Fkeep your receipts organized. Save all receipts with your tax records.4B.3Automobile/Mileage expenses:41.3UKeep a log of your daily business miles. Record the business purpose, number of miles3traveled, and the date.] Starting a Business4@ Page3 43 42.3\You can deduct either your actual auto expenses (gas, repairs, insurance, lease, etc.) 4or 3-take the standard allowance of 36 cents/mile.4a.3RTurboTax will help you select the most advantageous method for deducting your auto3related expenses.4b.3XIf you want to use the standard mileage rate in the future, you 4must3 use this method3Zfor the first year. You can to switch to actual expense method in the future if it results3in a larger deduction.4c.3TIf you lease a car for business and choose to use the standard mileage method in the3Lfirst year, you must continue using this method for the entire lease period.4VI.4Retirement Savings Options4A.3[Self-employment offers you additional options for saving for retirement. Plans available to37the self-employed provide a great way to save on taxes.4B.3-Advantages of self-employed retirement plans:41.32you can deduct contributions you make for yourself42.3'earnings are tax-free until distributed43.3Ssome self-employment plans allow much larger contributions than plans available to 3 employees4C.36Most financial institutions can set up a plan for you.4D.3 Common plans:41.3%SEP-IRA (Simplified Employee Pension)4a.3QSEP-IRAs (Individual Retirement Arrangements) can be set up for yourself and your3 employees4b.3Pdue date for setting up your plan is the same as the due date of your tax return4c.36you are required to include your employees in the plan4d.3>contributions must be made by the due date for your tax return42.35SIMPLEs (Savings Incentive Match Plans for Employees)4a.35employees making at least $5,000/year must be covered4b.3?employers must make annual contributions on behalf of employees4c.3Remployees can make contributions to the plan based on a percentage of their salary4d.3;Plans must be set up by October 1st for the applicable year43.3 Other plans:4a.3Keogh4b.3Self-employed 401(k)4c.3Profit sharing plan4d.3Defined benefit plan4e.3Money purchase plan4E.3YFor additional information on retirement plans for the self-employed, see IRS Publication3S560 - Retirement for Small Business, available at www.irs.gov/forms_pubs/pubs.html.4VII.4 Home Office4A.3ZA home office gives you additional tax benefits by allowing a portion of personal expenses3I(such as utilities and housekeeping) to be deducted as business expenses.4B.3WHome office expenses are deducted based on the ratio of the area of your home office to3the total area of your home.4C.3UTo qualify, your home office must be used exclusively for business and as the primary3$location for managing your business.4E.3[For additional information, see IRS Publication 587 - Business Use of Your Home, available 3$at www.irs.gov/forms_pubs/pubs.html.4VIII.4$Resources for Additional Information4A.3[Use your current version of TurboTax for additional information. Review the Business Income3Z(Business, Rental or Farm income) and Planning sections in Interview along with TurboTax's3Qextensive Help and FAQs. The Home and Business version of TurboTax has even more 3"information for sole-proprietors. 4B.3GSee IRS Publication 334 - Tax Guide for Small Businesses, available at 3!www.irs.gov/forms_pubs/pubs.html.R Future Tax Strategy Advisor4 For Tax Year Buying a Rental Property 2004Name(s) Shown on ReturnSocial Security Number4WBuying a rental property can be profitable. It is also brings numerous changes to your4 tax situation.4_The Future Tax Strategy Advisors will help you prepare for the changes buying a rental property4brings to your tax situation.4ZWhen you prepare your taxes next year, TurboTax will not only simplify the complexities of4aowning a rental property, but will also guide you through the income and expenses related to your4rental property. Contents4I.4Important Documents4II.4/Accounting for Special Income and Expense Items4III.4Depreciation on Your Rental4IV.4#Planning for a change to Your Taxes4V.4$Partial Ownership in Rental Property4VI.4Additional Information4I.4Important Documents4A.3ZThe settlement statement (or escrow statement, as it's referred to in various states) you 3[receive after you close on your rental property contains valuable information, for example:41.3purchase price of your property42.3 closing costs43.3points or loan origination fees4a.30points are deductible over the life of your loan4b.3Vpoints you pay may or may not be reported on a Form 1098 from your lender. If it's not3Hreported on Form 1098, use the amount shown on the settlement statement.44.3$mortgage interest paid at settlement45.32real property taxes paid or credited at settlement46.3$rents paid or credited at settlement4B.3TYou'll receive Form 1098 from your mortgage lender reporting the amount of mortgage 3Zinterest you paid during the year. If you have an impound account for taxes, the Form 109834 MA,AM,M  Mmm.@BT~CC8:E79DOSSR  & Retirement64610@6  24     `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_    HEADING "FINFOWKSHNAME  FINFOWKS* HNAME rzpASSWKS9S2004US1040PER1801 Retirement Future Tax Strategy - Retirement66112004.1 CWFP01LC1222.1D:NAME SSN NAM2 SSN2   4*Name Page 2 name Page 2 SSN  <2 %NameSsn Page 2 name Page 2 SSN ,"80: 0709 0 `VT Future Tax Strategy Advisor4 For Tax Year (Stock, Bond, and Mutual Fund Investments 2004Name(s) Shown on ReturnSocial Security Number4`Whether you actively buy and sell securities, or just sell stock received through your company, 4Aunderstanding the tax consequences of investing can be confusing.4] When it's time to prepare your taxes next year, TurboTax will simplify the reporting of your4! transactions on your tax return. Contents4I.4Stock transactions4II.4$How to figure the cost of your stock4III.4%Employee Stock Purchase Plans (ESPPs)4IV.4Employee Stock options4V.4 Mutual funds4VI.4Worthless stock4VII.4Additional information4I.4Stock transactions4A.3 Stock sales:41.3XYou'll receive a Form 1099-B from your broker reporting tax information on the sale of 3stocks, bonds, or mutual funds.42.3CPurchase and sale information you'll need to keep for your records:4a.3:the cost of stock (including charges, such as commissions)4b.3the number of shares purchased4c.3the purchase date(s)4d.3"information regarding stock splits4e.3%information regarding stock dividends4f.3any reinvested dividends4g.3the number of shares sold4h.3;the sale proceeds (less sales charges, such as commissions)4i.3 the date sold4B.3 Dividends:41.3TYou'll a receive Form 1099-DIV if the stock you owned paid any dividends during the 3+year, even if the dividends are reinvested.42.3DAdditional shares of stock are purchased with reinvested dividends. 4II.4$How to figure the cost of your stock4A.3WDetermining the cost of your stock requires careful record keeping. The more organized 3]and complete your records are, the easier it'll be to prepare your taxes. TurboTax walks you 3>through all the information needed to report your stock sales.4B.3`Cost is generally the amount paid for stock plus broker fees, if any. This will be the basis for3*your gain or loss when you sell the stock.4C.3Selling stock "lots":41.3VIf you own a large number of shares of a certain stock and wish to sell only a portion3Wof those shares, you'll need to determine the cost of the portion you are selling. Your3cost is either:4a.3-the cost of the earliest shares purchased, or4b.38the shares you specifically request your broker to sell.42.3XIf the stock has appreciated, selling your highest cost purchases is advantageous, since3Cselling stock with a higher cost generates a smaller capital gains.43.3TLong-term gains have a lower tax rate, so be sure your stocks are held for more than3Kone year before you sell them in order to get the long-term gains tax rate.K (Buying or Selling Stock and Mutual Funds4@ Page3 42 4D.3 Stock splits:41.3#stock splits are not taxable events42.35TurboTax can help you keep track of your stock splits43.3@Quicken.com can provide historical data on when splits were made44.3YKeep notices of stock splits with your records so when you sell the shares you can easily3&determine your cost of the stock sold.4III.4%Employee Stock Purchase Plans (ESPPs)4A.3SESPPs are set up by employers to allow employees to buy company stock, usually at a3Tdiscount. Your employer withholds the amount you designate from each paycheck during3the plan period.41.3TAt the end of the plan, the plan administrator uses your money to buy stock for you,3#usually at a discount of up to 15%.42.3QContact the Human Resources department at your company for more details on ESPPs.43.3XYou can also review the ESPP section of this year's TurboTax for additional information.4IV.4Employee Stock options4A.3=Track your cost and purchase dates when you exercise options.4B.3YYour employer will likely have information on the type of options offered by your company3%and the tax treatment of the options.4C.3YReporting income from stock options on your return depends on the type of stock options, 3BNonqualifiedStock Options (NQSO) or Incentive Stock Options (ISO).4D.3WYou may want to review the stock options section of this year's TurboTax for additional3 information.4V.4 Mutual funds4A.3XThe cost of your mutual fund investments is the amount paid to purchase the shares plus 3*any broker commissions and "load" charges.4B.3ZMost mutual funds pay dividends and furnish you with Form 1099-DIV at the end of the year.4C.3]The funds are set up to reinvest these dividends for the purchase of additional shares. Even 3Wthough you don't receive the cash from the dividends when they are reinvested, you must3'still report these dividends as income.4D.3Selling you mutual fund shares:41.3WYour broker statement may show your gain or loss on the shares you sold. If they don't 3Zjust follow the Interview section dealing with mutual funds and TurboTax will do the rest.4VI.4Worthless stock4A.3DDeduct the cost of worthless stock in the year it becomes worthless.4B.3YTo prove stock is worthless, you generally have to show the company is bankrupt or out of3 business.4VII.4Additional information4A.3\TurboTax will guide you through the various aspects of reporting your investment activities 3on your tax return.4B.3UTurboTax offers an extensive Help library to give you in-depth explanations of a wide3range of investment topics. 4C.3 For additional information, see:34IRS Publication 550 - Investment Income and Expenses3/IRS Publication 564 - Mutual Fund Distributions3CAll publications are available at www.irs.gov/forms_pubs/pubs.html.8.8:>L>9MMM MMM=MT.=.=8:GG G G GDDDDDDDDB @ @ @  >  >  >  >  > ! !> " "> # #> $ $>%%B& &@ '@( (@**D++B,B-B..B/B00B1 1@ 2@ 3@ 4 4> 5 5>6 6@ 7@8 8@ 9@K7L7MM6M K/EB @ @ @ @ @  D  B BB @ @ @ @DBBBBBBBDBB  B!!B"B#B$$B% %@ &@((D))B**B+B--D..B/B00B1B22B3B4B5B>4 MC9CM9M  M||.@BT~EE8:E79DOSSR  * Buy/Sell Stock64710@6  24     `V__POR__ __TPFM__ __SPFM__ __POPR__ __FMCDP_ __FMDDP_    HEADING "FINFOWKSHNAME  FINFOWKS* HNAME ryASSWKS10S2004US1040PER1801Buy/Sell Stock$Future Tax Strategy - Buy/Sell Stock66212004.1 CWFP01LC1222.1 *+,.<2(FY FYE FYEYR INJUR DECE NAME MI LNAM SSN SNAM SMI SLNM SSSN ADDR APT CITY ST ZIP @QZ1 L1W PEC PECY PECN SEC SECY SECN FS FS1 FS2 FS3 FS4 FS5 SPNM @CNAM L6 L6A L6B SPNR N6AB N6C1 N6C2 L6C1 DL6C3 DL6C4 DA444 @L6C5 DN6C3 N6STMT QZ9 N6E L7W L7 L8A L8B F8814T1 L9 F8814T2 QUALDIVS L10 L11T L11S L11 L12 CGDSTMT F8814TXTL13BOX L13X L13 L14W L14 L15A QZ15 L15BW L15B L16A L16BW L16B L17 L18 L19T1 L19T2 L19 L20LSE L20W L20A L20B L21D L21 L22 EDUEXP AFRT L32B L32G BUSEXP L23 L24 TUITION HSA L26T L26 L27 L28 L29W L29 L30 MRSSN1 L31A MRSSN2 L31B L31W RSSN L31 L32A QZ2 QZ3 L32C L32D L32E L32F L32H L25 CLNFUEL L32IW L32I L32T L32W L32 L33 NAM2 SSN2 L34 L35A L35A1 L35A2 L35A3 L35A4 N35A L35B L35BB QZDEPSTDL36W L36 L37 QZEX L38 SQTXT L39 L40A ATAX L40AA L40AB L40AC L40AC2 L40AD1 L40AD L40B L40C MO4972 L40D1 SEC197TX L40D L40BX L40BA L40BB S197TXT S197AMT L40T L40W L40 L41 L42 L43 L44 L45 L46 RSCCRED L47 L48 CREDBOX L49BB F8859 L49D L49I OTHCRED L49A L49I3 L49B L49I1 L49C L49G L49D1 F8881CR L49E L50W L49F L49HW L49H L49H1 L49BX L49BA L49BC L49BD L49FM QZ50 L49 L50S L50 L51 L52T L52W L52 QZ53 L53W L53 QZ4 QZ5 L54W L54 L55 L56 QZ7 QZ8 L57A L57B L57C L57D L57E L57F L57G L57G2 HSATAX L57HT L57H L57T L57W L57 L58 L59W L59WA QZ59 L59S L59 L60C L60C2 L60 L60W NTCOMBAT QZEIC L61 L62 L63 K1AMT F2439AMT F4136AMT F8885AMT OTHDESC OTHPMNT F8689AMT L64B L64BA L64BB BX8885 L64W L64A L64 L65T L65W L65 L66 L67A ROUTNO ACC ACCC ACCS ACCNO L68 L69 L70 PPD PPDY PPDN DESNAM DESPH DESPIN PSH OCC DTPHO SURSP SOCC PNAM FADDR1 FADDR2 FADDR3 FADDR4 FADDR5 FADDR6 \R(-[^@z"Z79A#$%&'( b;>=<?DBCFEGJIKMLNORPQUVSTXWY_`ydcefhgipkmnq\tuvw]x|{}~#     $%*+,.43568jl'()/20":Hrs1o !!&  aLBDEPNAME **1DEPAGE ++1DEPREL ,,1CHTXCR -.1mc%Law1DQ[nu}-DPk0L_q%/9Q[s}'?ITn(@KVm  & 0 : D \ f p  $ > X t $ > V p z    ' ? W a k  5 P j $;Tl  ;S]q,Hc ",BLVo *4Pl)E_w/9Ido'C^u'1IZn(B]v*=PFY begin month/dayFY ending month/dayFY ending yearInjured spouse textTop of form textTaxpayer first nameTaxpayer middle initialTaxpayer last name Taxpayer SSN Spouse first name Spouse middle initial Spouse last name Spouse SSNAddressApartment numberCityStateZIP codeQuickZoom to Overseas ExtOverseas extension stmtTP President FundTP president fund YesTP president fund NoSP President FundSP president fund YesSP president fund No FS SingleFS Married filing jointFS Married separateFS Head of household FS Qualifying widow(er)!MFS spouse name"HOH child name$Box 6a%Box 6b&Spouse's name if HOH'Number of boxes 6a & b(Line 6c lived with you)Line 6c didn't live with *Dependent's name+Dependent's SSN,Dependent's relationship.Child tax credit box/Line 6c other dependent0Addt'l dependents stmt1QuickZoom to Info Wks2Number of Exemptions3Line 7 write-in text4Line 75Line 8a6Line 8b7Line 9a write-in text8Line 9a9Line 9b write-in text:Line 9b;Line 10<Alimony recvd by taxpayer=Alimony recvd by spouse>Alimony received?Line 12@Line 13 statementALine 13 write-in textB Line 13 boxCBox 13DLine 13ELine 14 write-in textFLine 14GLine 15aHQuickZoom line 15b explILine 15b write-in textJLine 15bKLine 16aLLine 16b write-in textMLine 16bNLine 17OLine 18PLine 19 write-in textQLine 19 write-in amountRLine 19SLine 20 LSE write-inTLine 20 write-in textULine 20aVLine 20bWType of other incomeXOther income amountYLine 22ZLine 23[Reservist travel\Qual performing artist]Fee-basis employee exp^Line 24_Line 25`Line 26aLine 27bLine 28cLine 29 write-in textdLine 29eLine 30fLine 31gLine 32 write-in texthLine 32iLine 33jRecipient's SSN line 34AkAlimony paid line 34AlRecipient's SSN line 34BmAlimony paid line 34BnLine 34a statementoRecipient's SSNpLine 34aqForeign housing deductionrQuickZoom to Form 2555TsQuickZoom to Form 2555StJury duty pay to employeruReforestation amort adjvRepayment of sub-paywExps - pers prop rentalxSec 501(c)(18) contributnyArcher MSA deductionzClean Fuel Deduction{Other adjustment descrip|Other adjustment amount}Line 35 write-in text~Line 35 write-in amountLine 35Line 36 Page 2 name Page 2 SSNLine 37Line 38aBox 38a TP age 65Box 38a TP blindBox 38a SP age 65Box 38a SP blind Box 38a totalLine 38bBox 38bQuickZoom - Dep FilerLine 39 write-in textLine 39Line 40QuickZoom to Exempt WksLine 41Sch Q inclusionLine 42 Line 43 A/taxLine 43A boxesLine 43 A/tax table boxLine 43 A/Tax Comp WksLine 43 A/Sch D Tax WksLine 43 A/QualDiv&CpGnTxWLine 43 A/Schedule J boxLine 43 A/Form 8615 boxLine 43 B/Form 8814 taxLine 43 C/Form 4972 taxLine 43 D/Form 4972 taxLine 43 E/Form 8863 taxLine 43 F/Sec 197 taxLine 43 G/total tax Line 43 boxesBox 43aBox 43bLine 43 Sec 197 textLine 43 Sec 197 amountLine 43 write-in textLine 43 write-in amountLine 43Alternative minimum taxLine 45Line 46Line 47Line 48Line 49Line 50Line 51Line 52Line 53 creditsBox 53aBox 53bMortgage interest creditD.C. homebuyer creditLine 53Investment creditIndian Employment CreditGeneral business creditEmployer SS tax paid credWork opportunity creditWelfare-to-work creditIncrease research creditSmall emp pension startupLow-income housing creditNonconv source fuel credPrior year min tax creditOther credit descriptionOther credit amountQual electric veh credit Line 54 boxesBox 54aBox 54bBox 54c Line 54c formQuickZoom line 54 explLine 54Line 54 explanationLine 55Line 56Line 57 first write-inLine 57 second write-inLine 57QuickZoom line 58 explLine 58 statementLine 58QuickZoom to Form 4137TQuickZoom to Form 4137SLine 59 write-in textLine 59Line 60Line 61QuickZoom to Schedule H-TQuickZoom to Schedule H-SSec 72(m)(5) exc bene taxUncoll empl SS tax on tipUncoll SS tax/grp trm insGolden parachute paymntAccum distribution trustRecap investment creditTax on MSA distributionTax - Medic Advantage MSATax on HSA distributionOther tax descriptionOther tax amountLine 62 write-in textLine 62 write-in amountLine 62Line 63Line 64 divorced SP SSNLine 64 write-in textQuickZoom line 64 explLine 64 statementLine 64 Line 65a textLine 65a write-in amountLine 65aLine 65a "No" textNontaxable combat payQZ EIC Wks Pg2Line 66Line 67Line 68Other payment/item AOther payment/item BOther payment/item COther payment/item DOther payment/item E textOther payment/item E amtOther payment/item F Line 69 box Line 69a box Line 69b box Line 69c boxLine 69 Form 2439 textLine 69 IRC 1341 text Line 69 Line 70 write-in text Line 70 write-in amount Line 70 Line 71Amount to be refundedRouting numberBank account typeChecking account boxSavings account boxAccount numberAmount applied to ES taxLine 74Line 75Discuss return with IRSDiscuss return with IRSDon't discuss with IRS3rd party designee name3rd party designee phone3rd party designee PINMessage for taxpayerTaxpayer occupationDaytime phone number Message for spouse!Spouse occupation" Firm's name#Filing address 1$Filing address 2%Filing Address 3&Filing Address 4'Filing Address 5(Filing Address 6 !D[c} +>Yn-@Qenz2Number of Exemptions4Wages5Taxable Interest Income6Tax Exempt Interest8Dividend Income:Qualified Dividends?Business Income (Loss)DCapital Gain (Loss)FOther Gain (Loss)G Total IRAsJ Taxable IRAsKTotal PensionsMTaxable PensionsNSchedule E Income (Loss)OFarm Income (Loss)UTotal Social sec.VTaxable social sec.Y Total Income^Certain Business Expensesb Health savings account deductionfSE Health InsurancehSEP & KEOGH deductionsAdjusted gross incomeTotal deductionsTaxable incomeChild Care CreditSE Tax Total tax Tax withheld Total tax payments Overpayment amountAmount of refundIRS penalty on tax due)(Rg} 7JWat{3JO[v+D`s 6M] /I\~,F_x # = G ^ v   / H m w   < F a y  . J d {  . H R s  .Fbl*Fa{!+5Le} 0:D_w4k$.8BRku5Ogq{+F`z ":Tl!+5Lcz 3KUm)?Pku2I_v FY begin month/dayFY ending month/dayFY ending yearInjured spouse textTop of form textTaxpayer first nameTaxpayer middle initialTaxpayer last name Taxpayer SSN Spouse first name Spouse middle initial Spouse last name Spouse SSNAddressApartment numberCityStateZIP codeQuickZoom to Overseas ExtOverseas extension stmtTP President FundTP president fund YesTP president fund NoSP President FundSP president fund YesSP president fund NoFs FS SingleFS Married filing jointFS Married separateFS Head of household FS Qualifying widow(er)!MFS spouse name"HOH child name#Line 6$Box 6a%Box 6b&Spouse's name if HOH'Number of boxes 6a & b(Line 6c lived with you)Line 6c didn't live with *Dependent's name+Dependent's SSN,Dependent's relationship-A444.Child tax credit box/Line 6c other dependent0Addt'l dependents stmt1QuickZoom to Info Wks2*Number of Exemptions: Number of Exemptions3Line 7 write-in text4 Line 7: Wages5 Line 8a: Taxable Interest Income6Line 8b: Tax Exempt Interest7Line 9a write-in text8Line 9a: Dividend Income9Line 9b write-in text:Line 9b: Qualified Dividends;Line 10<Alimony recvd by taxpayer=Alimony recvd by spouse>Alimony received?Line 12: Business Income (Loss)@Line 13 statementALine 13 write-in textB Line 13 boxCBox 13DLine 13: Capital Gain (Loss)ELine 14 write-in textFLine 14: Other Gain (Loss)GLine 15a: Total IRAsHQuickZoom line 15b explILine 15b write-in textJLine 15b: Taxable IRAsKLine 16a: Total PensionsLLine 16b write-in textMLine 16b: Taxable PensionsN!Line 17: Schedule E Income (Loss)OLine 18: Farm Income (Loss)PLine 19 write-in textQLine 19 write-in amountRLine 19SLine 20 LSE write-inTLine 20 write-in textULine 20a: Total Social sec.VLine 20b: Taxable social sec.WType of other incomeXOther income amountYLine 22: Total IncomeZLine 23[Reservist travel\Qual performing artist]Fee-basis employee exp^"Line 24: Certain Business Expenses_Line 25`Line 26aLine 27b)Line 28: Health savings account deductioncLine 29 write-in textdLine 29eLine 30fLine 31: SE Health InsurancegLine 32 write-in texthLine 32: SEP & KEOGH deductionsiLine 33jRecipient's SSN line 34AkAlimony paid line 34AlRecipient's SSN line 34BmAlimony paid line 34BnLine 34a statementoRecipient's SSNpLine 34aqForeign housing deductionrQuickZoom to Form 2555TsQuickZoom to Form 2555StJury duty pay to employeruReforestation amort adjvRepayment of sub-paywExps - pers prop rentalxSec 501(c)(18) contributionyArcher MSA deductionzClean Fuel Deduction{Other adjustment descrip|Other adjustment amount}Line 35 write-in text~Line 35 write-in amountLine 35Line 36: Adjusted gross income Page 2 name Page 2 SSNLine 37Line 38aBox 38a TP age 65Box 38a TP blindBox 38a SP age 65Box 38a SP blind Box 38a totalLine 38bBox 38bQuickZoom - Dep FilerLine 39 write-in textLine 39: Total deductionsLine 40QuickZoom to Exempt WksLine 41Sch Q inclusionLine 42: Taxable income Line 43 A/taxLine 43A boxesLine 43 A/tax table boxLine 43 A/Tax Comp WksLine 43 A/Sch D Tax WksLine 43 A/QualDiv&CpGnTxWLine 43 A/Schedule J boxLine 43 A/Form 8615 boxLine 43 B/Form 8814 taxLine 43 C/Form 4972 taxLine 43 D/Form 4972 taxLine 43 E/Form 8863 taxLine 43 F/Sec 197 taxLine 43 G/total tax Line 43 boxesBox 43aBox 43bLine 43 Sec 197 textLine 43 Sec 197 amountLine 43 write-in textLine 43 write-in amountLine 43Alternative minimum taxLine 45Line 46Line 47: Child Care CreditLine 48Line 49Line 50Line 51Line 52Line 53 creditsBox 53aBox 53bMortgage interest creditD.C. homebuyer creditLine 53Investment creditIndian Employment CreditGeneral business creditEmployer SS tax paid credWork opportunity creditWelfare-to-work creditIncrease research credit4Credit for small employer pension plan startup costsLow-income housing credit"Nonconventional source fuel creditPrior year min tax creditOther credit descriptionOther credit amountQual electric veh credit Line 54 boxesBox 54aBox 54bBox 54c Line 54c formQuickZoom line 54 explLine 54Line 54 explanationLine 55Line 56Line 57 first write-inLine 57 second write-inLine 57: SE TaxQuickZoom line 58 explLine 58 statementLine 58QuickZoom to Form 4137TQuickZoom to Form 4137SLine 59 write-in textLine 59Line 60Line 61QuickZoom to Schedule H-TQuickZoom to Schedule H-SSec 72(m)(5) exc bene taxUncoll empl SS tax on tipUncoll SS tax/grp trm insGolden parachute paymntAccum distribution trustRecap investment creditTax on MSA distributionTax - Medic Advantage MSATax on HSA distributionOther tax descriptionOther tax amountLine 62 write-in textLine 62 write-in amountLine 62: Total taxLine 63: Tax withheldLine 64 divorced SP SSNLine 64 write-in textQuickZoom line 64 explLine 64 statementLine 64 Line 65a textLine 65a write-in amountLine 65aLine 65a "No" textNontaxable combat payQZ EIC Wks Pg2Line 66Line 67Line 68Other payment/item AOther payment/item BOther payment/item COther payment/item DOther payment/item E textOther payment/item E amtOther payment/item F Line 69 box Line 69a box Line 69b box Line 69c boxLine 69 Form 2439 textLine 69 IRC 1341 text Line 69 Line 70 write-in text Line 70 write-in amount Line 70: Total tax payments Line 71: Overpayment amount'Amount to be refunded: Amount of refundRouting numberBank account typeChecking account boxSavings account boxAccount numberAmount applied to ES taxLine 74Line 75: IRS penalty on tax dueDiscuss return with IRSDiscuss return with IRSDon't discuss with IRS3rd party designee name3rd party designee phone3rd party designee PINMessage for taxpayerTaxpayer occupationDaytime phone number Message for spouse!Spouse occupation" Firm's name#Filing address 1$Filing address 2%Filing Address 3&Filing Address 4'Filing Address 5(Filing Address 6 L B (0-070010 0 0 07 0 0 0 07 0*070%0007 0>0E0.060>0F000 0"0$0 !0)#0)0*0*$0K*0K.0K200 0 00K60-90-:0K:0%0A 0A 00 0.0A 000 0A 0 00 0A 0A 0! 0* 08 0A 00 0A 00 0+02 0A 00 02 0A 0A 0A 0)00 0A 0$0)00 0A 0+0A 0A 00 0< 0< 0< 00 00 00 00 00 0$00 00 00 0( 00 00 0" 0< 0" 0< 0 0 00 0< 0%0@0< 0< 0< 0< 0< 0< 0< 0 0< 002 0A 0A 090: 0A 0 020 02 09 09 04080A 0A 04 0A 06 0A 0< 0 E0 E0 E0 E0 E 0 E 0 < 0 < 0 < 0 < 0 < 0 < 0 0 0 *0 2 0 .0 2 0 A 0 A 0 A 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0  0  0 0 0  0 < 0  0 < 0  0 < 0  0 < 0  0 < 0  0 .0 < 0  0 0 0 0 0 %0 0 0 A0 A 0 A 0  0 , 0 A 0 ' 0 . 0 A 0 # 0 E 0 90 A 0 A 0 A 0 #0 E0 < 0 < 0 < 0 < 0 < 0 < 0 < 0 < 0 < 0  0 < 0 0/ 0A 00 0 00 0'00 0 0! 00 0A 0 0E00 00 00 0< 0< 0< 0< 0*0< 0< 0000  0  00 0$ 0. 0A 0A 0A 02 000*00 0A 00 0+0F00 0G 0+0-+0?+0-0--0#0 /0 /0/0/0/0/0@644 +4 9411]3 Form 1040 &U.S. Individual Income Tax Return  20043=For the year January 1 - December 31, 2004, or other tax year3H beginning 3,3 2004, ending 3, 203.Your First NameMI Last NameYour Social Security No.$If Joint Return, Spouse's First NameMI Last NameSpouse's Social Security No.HHome Address (No. and Street). If You Have a P.O. Box, See Instructions. Apt. No.KCity, Town or Post Office. If You Have a Foreign Address, See Instructions.StateZIP Code4 ;QuickZoom3 to explanation statement for overseas extensionPresidential Election Campaign49Note.3 Checking "Yes" will not change your tax or reduce4You4Spouse3 your refund.3(>Do you, or spouse if joint return, want $3 to go to this fund?4Yes4No4Yes4NoFiling Status 3Check only one box.3aAll entries for filing status and dependents should be made on the Federal Information Worksheet.4H13Single4H234Married filing jointly (even if only one had income)4H33GMarried filing separately. Enter spouse's SSN above and full name here.+G4H43dHead of household (with qualifying person). (See instr.) If the qualifying person is a child but not3(,your dependent, enter this child's name here4H53?Qualifying widow(er) with dependent child. (See instructions.) Exemptions 3/If more than four dependents, see instructions.4H64a4PYourself.3 If someone can claim you as a dependent, 4do not3 check4 3box 6a4 Boxes checked4b4Spouse4 on 6a and 6b4c4 Dependents:4No. of children4(1)4(2)4(3)4(4)4 on 6c who:4+ 3First name Last name3 Dependent's3 Dependent's+b3 if+@4 lived with+ 4you3social security3 relationship3 qualifying+@ 4did not live3number3to you3 child for4 with you due3 child tax4 to divorce or3credit4 separation4 Dependents on46c not entered4above4 Add numbers4d3"Total number of exemptions claimed4on lines42QuickZoom 3to the Federal Information Worksheet4above3( Income Z3GIf you did not get a W-2, see instructions. Please use 4Form 1040-V3.3kTo go to supporting forms or worksheets for any line,5 4QuickZoom5 3from the entry field for that line.4H73.Wages, salaries, tips, etc. Attach Form(s) W-24H74H84a41Taxable3 interest. Attach Schedule B if required4H84Ha4b44Tax-exempt3 interest.4 Do not3 include on line 8a4H84b4H94a31Ordinary dividends. Attach Schedule B if required4H94Ha4b3 Qualified dividends (see instrs)4H94b4H103QTaxable refunds, credits, or offsets of state and local income taxes (see instr.)4H104H113Alimony received3HTaxpayer3HSpouse4H114H1234Business income or (loss). Attach Schedule C or C-EZ4H124H1336Capital gain or (loss). Attach Schedule D if required.3(If not required, check here4H134H143)Other gains or (losses). Attach Form 47974H144H154a3IRA distributions4H154Ha4b3!Taxable amount (see instructions)4H154Hb4H164a3Pensions and annuities4H164Ha4b3!Taxable amount (see instructions)4H164Hb4H173IRental real estate, royalties, partnerships, S corporations, trusts, etc.3Attach Schedule E4H174H183(Farm income or (loss). Attach Schedule F4H184H193Unemployment compensation4H194H204a3Social security benefits4H204a4b3!Taxable amount (see instructions)4H204Hb4H2136Other income. List type and amount (see instructions).3 4H214H223?Add the amounts in the far right column for lines 7 through 21.3 This is your4 total income4H22Adjusted Gross Income4H233$Educator expenses (see instructions)4H23)Certain Business Expenses Smart Worksheet4HA3DArmed Forces Reservists related travel more than 100 miles from home4HB3Qualified performing artist4HC3,Fee-basis state or local government official 4H2433Certain business expenses of reservists, performing3,artists, and fee-basis government officials.3Attach Form 2106 or 2106-EZ4H244H253 IRA deduction (see instructions)4H254H2632Student loan interest deduction (see instructions)4H264H273-Tuition and fees deduction (see instructions)4H274H2832Health savings account deduction. Attach Form 88894H284H293!Moving expenses. Attach Form 39034H294H3033One-half of self-employment tax. Attach Schedule SE4H304H3135Self-employed health insurance deduction (see instr.)4H314H323.Self-employed SEP, SIMPLE, and qualified plans4H324H333&Penalty on early withdrawal of savings4H333Multiple Recipients of Alimony Paid Smart Worksheet4HA3"Recipient's social security number3 Alimony paid4HB3"Recipient's social security number3 Alimony paid 4H344a3 Alimony paid4b3Recipient's SSN+G3 4H344a+Other Adjustments to Income Smart Worksheet4HA3Foreign housing deduction4 %QuickZoom3 to Form 2555 for taxpayer3(and/or for spouse4HB3Jury duty pay given to employer4HC3'Reforestation amortization and expenses4HD30Repayment of sub-pay under the Trade Act of 19744HE3.Expenses from the rental of personal property 4HF34Contributions to section 501(c)(18)(D) pension plans4HG3&Archer MSA deduction. Attach Form 88534HH3!Deduction for clean-fuel vehicles4HI3 4H353Add lines 23 through 34a4H354H363 CSubtract line 35 from line 22. This is your4 adjusted gross income4H363@ Page 42 Tax and Credits 4H373+Amount from line 36 (adjusted gross income)4H374H384a3 Check if:4'You3 were born before January 2, 1940,3Blind.4)Spouse3 was born before January 2, 1940,3Blind.4(Total boxes checked4H384a4b3MIf your spouse itemizes on a separate return or you were a dual-status alien,3(see instructions and check here4H384b4Standard Deduction for - +O@3People who checked any box on line 38a or 38b 4or3 who can be claimed as a3dependent, see instructions.+@3All others:3+Single or Married filing separately: $4,85036Married filing jointly or Qualifying widow(er): $9,7003Head of household: $7,1504>QuickZoom3 to the Standard Deduction Worksheet for Dependents4H394PItemized deductions3 (from Schedule A) 4or3 your 4standard deduction3 shown3above4H394H403Subtract line 39 from line 374H404H413CIf line 37 is $107,025 or less, multiply $3,100 by the total number3=of exemptions claimed on line 6d. If line 37 is over $107,0254H414H424CTaxable income.3 Subtract line 41 from line 40. If line 41 is more3than line 40, enter -0-4H42Tax Smart Worksheet4HA3Tax3Check if from:413 Tax table423,Tax Computation Worksheet (see instructions)433Schedule D Tax Worksheet4432Qualified Dividends and Capital Gain Tax Worksheet453 Schedule J463 Form 86154HB3Additional tax from Form 88144HC3Additional tax from Form 49724HD3 Tax from additional Form(s) 49724HE3Recapture tax from Form 88634HF3;IRC Section 197(f)(9)(B)(ii) election for an additional tax4HG4DTax3. Add lines A through F. Enter the result here and on line 443,4H4344Tax.3 (see instructions). Check if any tax is from:4a3 Form(s) 88144b3 Form 49724H434H444>Alternative minimum tax3 (see instructions). Attach Form 62514H444H453(Add lines 43 and 444H454H4630Foreign tax credit. Attach Form 1116 if required4H464H473-Credit for child and dependent care expenses.3Attach Form 24414H474H483'Credit for the elderly or the disabled.3Attach Schedule R4H484H493#Education credits. Attach Form 88634H494H503(Retirement savings contributions credit.3Attach Form 88804H504H513#Child tax credit (see instructions)4H514H523!Adoption credit. Attach Form 88394H524H533 Credits from:4a3 Form 83964b3 Form 88594H53Other Credits Smart Worksheet4HA3Form 3468 Credit4HH3Form 8845 Credit4HB3Form 3800 Credit4HI3Form 8846 Credit4HC3Form 5884 Credit4HJ3Form 8861 Credit4HD3Form 6765 Credit4HK3Form 8881 Credit4HE3Form 8586 Credit4HL3Nonconv source fuel cred4HF3Form 8801 Credit4HM3Form3Credit4HG3Form 8834 Credit'4H543(Other credits. Check applicable box(es):4a3 Form 38004b3 Form 88014c3Specify3 4H544H5537Add lines 46 through 54. These are your 4total credits4H554H563(ISubtract line 55 from line 45. If line 55 is more than line 45, enter -0-4H56 Other Taxes4H573Self-employment tax.3Attach Schedule SE4H574H583HSocial security and Medicare tax on tip income not reported to employer.3,Attach Form 4137. Explain underreported tips4H584 %QuickZoom3 to Form 4137 for taxpayer3(and/or Form 4137 for spouse4H593>Additional tax on IRAs, other qualified retirement plans, etc.3Attach Form 5329 if required4H594H6036Advance earned income credit payments from Form(s) W-24H604H613-Household employment taxes. Attach Schedule H4H614 &QuickZoom3 to Schedule H for taxpayer3(and/or Schedule H for spouse&Additional Other Taxes Smart Worksheet4HA3$Section 72(m)(5) excess benefits tax4HB3EUncollected employee social security and Medicare or RRTA tax on tips4HC3@Uncollected employee social security and Medicare or RRTA tax on3group term insurance4HD3Golden parachute payments4HE3#Accumulation distribution of trusts4HF3Recapture of Investment Credit4HG3)Tax on MSA distribution(s) from Form 88534HH3AFI=)/-7   7    7 *7%07 .6>F ! 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