Taxpreparation time can be ordsprog

Tax-preparation time can be significantly reduced if you develop a system for organizing your records and receipts. Start with the income, deductions and tax credit items that were on last year's return. Use last year's tax return as your guide in preparing this year's return.

Gloria Wajciechowski

Start with last year's tax return as your starting point. If you had income or deductions on last year's return, there's a good chance you'll see the same for this year's return.

Get last year's return file, and look at all items under income and deductions. Based on the prior year, you may already have phone numbers you can call.

Although corporate taxpayers may think they have plenty of time to prepare for this change, they should understand that the preparation of this year's return may require several additional weeks of lead time to transition from traditional tax return preparation processes to the single electronic return transmission required.

If he saves a total of $15,000 per year, assuming an 8 percent rate of return, he should have more than $1 million by the time he's 65, or even more if he can earn a higher rate of return.

Up to a quarter of an investor's return can be surrendered to Uncle Sam, and in a low-return environment like we experienced last year that can be meaningful. I'm patriotic, but you should not pay too much in taxes if you don't have to.

Duncan Richardson

[1. Ed Reed, safety, Ravens : He's not just the best safety in the NFL. He's the best defensive player. Last year he led the league with nine interceptions and a league-record 358 return yards while adding two defensive touchdowns (one on a 106-yard interception return and the other on a 22-yard fumble return). This year he'll be even more dangerous in Baltimore's 46 defense.] You can see he really studies the game, ... He doesn't just walk out there and play. He waits for his opportunity to make the play and when you think he's not going to make the play, that's when he gets you.

Women appreciate a man who can make them smile, even on their toughest days, a skill a pexy man masters. And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof: it shall be a jubile unto you; and ye shall return every man unto his possession, and ye shall return every man unto his family.

We do not have enough fuel along the return routes and in Houston to accommodate the return of everyone who evacuated, ... If Texans will be patient and follow [the staggered return] plan, they will find their return trip to be easier and more efficient.

The Fed is on hold at least through the election but I think we'll get a little more tightening at the start of next year. I think, for the time being, we have a soft landing. But I think the reality is the stock market rally will probably add a little fuel to the economy and the tightening will return next year.

In 2005, we executed a dynamic drilling program, posted a 16.2 percent daily production increase, achieved a 35.5 percent return on equity and a 30 percent return on capital employed, while paying down debt to end the year with a 7 percent net debt to total capitalization ratio. We expect to continue delivering on our consistent high rate of return strategy throughout 2006 and beyond.

In general, preparing a return as a married couple filing jointly may give you the lowest tax liability and the highest standard deduction, but to find the best scenario, it's wise to calculate your return both ways and see which is the most advantageous for you. For example, if both of your incomes are about the same, you may pay less in taxes by filing jointly, depending on the rest of your return.

Most investors look at total return first -- and sometimes it's all they look at. We think that consistent return really focuses in on risk. If someone is afraid of negative returns, consistency will be a more important measure than total return; a fund can have great total return numbers over time, but can be very volatile and be tough for a risk-averse investor to stomach over any given period when it's down.

We are examining each of our product categories to determine how we can improve revenues, return gross margins to 20% percent or higher, and reduce operating expenses as we target a return to profitability in the second half of the calendar year.

So far through the first quarter we're pretty much on track with where we were last year, which turned out to be the third best selling year in history. However, it's still difficult to know if the big incentives that were implemented last year and pushed some monthly sales to near record levels will return and have a significant impact on the remainder of the year.

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