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If you are interested in enhancing your knowledge base on how it is that brokerage firms such as Scottrade are required to report your income, contributions, distributions, etc, I invite you to subscribe to this blog! I promise to do my part and actively provide details on the background of how tax reporting works and why things are done the way they are--the story behind the story. What does ‘IRA’ really stand for? What in the world is ‘original issue discount’? What is a ‘nondividend distribution’? All this and more can be explored, but only with your involvement can it succeed.

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Hi, everyone.  The Scottrade Tax Reporting department has been busily preparing to provide you with your account tax information--and it is fast approaching!  I just posted the updated, 2008 Scottrade Tax Guide for Brokerage Accounts out on the File Sharing page.  The retirement account FAQs will be posted shortly.  These are the very same FAQs that are included in your 1099 mailing...please feel free to familiarize yourselves with the helpful content!

2008 Scottrade Tax Guide for Brokerage Accounts

Happy Tax Season

Brad




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Posted by Ten 99 Man on Jan 8, 2009 9:13 PM GMT

According to legend, Uncle Sam was ‘born’ during the War of 1812 and was patterned off of one Samuel Wilson, an upper New York state food staple provider to the United States Army.  According to information obtained from wikipedia.com:

Common folklore holds origins trace back to soldiers stationed in upstate New York, who would receive barrels of meat stamped with the initials U.S. The soldiers jokingly referred these initials as to naming the troops' meat supplier, (Uncle) Samuel Wilson of Troy, New York.

A more contemporary development in United States history is the concept of the ‘Tax Gap’, and it is not nearly as amusingly cartoonish as Uncle Sam.  The Tax Gap is an IRS directive meant to collect more tax revenue for the government; another way to think about it is, a way to collect tax revenue more efficiently.  Essentially, determining the tax gap is as simple as calculating the difference between what people actually pay versus what the IRS estimates they should be paying on a timely basis.  Their estimates were based off of statistical analysis of approximately 46,000 returns from 2001.  According to the IRS web page dedicated to the Tax Gap:

The updated estimate of the overall gross tax gap for Tax Year 2001 – the difference between what taxpayers should have paid and what they actually paid on a timely basis – comes to $345 billion.  This figure falls at the high end of the range of $312 billion to $353 billion per year, an estimate released last March.

IRS enforcement activities, coupled with other late payments, recover about $55 billion of the tax gap, leaving a net tax gap of $290 billion for Tax Year 2001.

As with prior estimates, the updated estimate of the tax gap shows that the largest component of this gap, more than 80 percent, comes from underreported taxes. Underreported income tax is the largest component of this (see attached Tax Gap Map for Tax Year 2001). Nonfiling and underpayment of tax comprise the rest of the tax gap.

Though the net misreporting percentage varies by category of income, the rates reflect that compliance is highest where there is third-party reporting or withholding.

Please pay very close attention to the second part of that last sentence…’compliance is highest where there is third-party reporting or withholding.’  The IRS basically admits in that telltale sentence that the easiest way for them to close the tax gap is to increase third-party reporting.  This is where Scottrade comes in, and all brokerage firms or financial institutions across the nation, for that matter.  The next time you wonder to yourself during a hectic tax season as to why they make things so complicated, why the laws are always changing-- now you know the real answer.  Everything and anything in the tax reporting world that we will describe from this point forward is all part of an orchestrated effort by the IRS to ensure that we are reporting, as third party payors, the way that they want us to, so that they can close the huge divide that is the Tax Gap.              --Brad


Posted by Ten 99 Man on Oct 24, 2008 3:17 PM GMT

Hi everyone, please allow me a moment to introduce myself.  My name is Brad, a.k.a. the ‘Ten 99 Man’, and I am a proud member of the Tax Reporting department here at Scottrade.  Everyone’s favorite Community Host asked if I’d be interested in serving the community as a Featured Member specializing in customer tax reporting. Naturally I agreed, since my cohorts and I here in Tax Reporting live, eat, breath and sleep taxes! 

In all seriousness, I am honored to be included in this exciting and promising new beginning at Scottrade towards dynamic online community involvement with our customers.  This is another way to serve you, our customers, by answering your questions or concerns regarding general tax topics surrounding the reporting of your Scottrade accounts--after all, this country was founded on the philosophy of ‘no taxation without representation’!

If you are interested in enhancing your knowledge base on how it is that brokerage firms such as Scottrade are required to report your income, contributions, distributions, etc, I invite you to subscribe to this blog!  I promise to do my part and actively provide details on the background of how tax reporting works and why things are done the way they are--the story behind the story.  What does ‘IRA’ really stand for?  What in the world is ‘original issue discount’?  What is a ‘nondividend distribution’?  All this and more can be explored, but only with your involvement can it succeed.

One important note- as a firm Scottrade cannot offer tax advice (sorry folks, but rules are rules


Posted by Ten 99 Man on Oct 15, 2008 8:24 PM GMT

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