# Have you filed your 2009 Taxes yet?
**URL:** https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009
**Category:** NYSpeed Off Topic
**Created:** [January 27, 2009, 4:12pm UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009 "2009-01-27T16:12:35Z")
**Posts on this page:** 20
**Page:** 4
### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [January 28, 2009, 6:53am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/61 "2009-01-28T06:53:14Z")
> [@Estorvito](#):
>
> Not one credit card
> No debt…everything was payed off 2 years ago.
So you only lost about $222.
Savings account @ 4% (probably could have averaged that in 2008 though rates are below that now). Starting with $0 and putting the $1000 extra a week in if you weren’t overpaying in taxes you’d have $12222.46 in the account at the end of the year. And the satisfaction of not giving the government an interest free loan.
vs $0 in interest earned by letting uncle sam hold onto the money.
It’s not a lot, I’ll admit, but most people who get big refunds also carried credit card debt all year at double digit interest rates. That’s where you’re really pissing away “free” money. Take that extra $1000 a month and put toward any interest accruing debt.
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### Author:  [@fourseasonsandles](https://forums.speedlife.net/u/fourseasonsandles)
#### Post date: [January 28, 2009, 6:54am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/62 "2009-01-28T06:54:35Z")
Money back from federal, and owed the state $6.00. Still come out on top though. New car parts FTW!
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### Author:  [@Estorvito](https://forums.speedlife.net/u/Estorvito)
#### Post date: [January 28, 2009, 7:00am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/63 "2009-01-28T07:00:57Z")
> [@JayS](#):
>
> So you only lost about $222.
>
> Savings account @ 4% (probably could have averaged that in 2008 though rates are below that now). Starting with $0 and putting the $1000 extra a week in if you weren’t overpaying in taxes you’d have $12222.46 in the account at the end of the year. And the satisfaction of not giving the government an interest free loan.
>
> vs $0 in interest earned by letting uncle sam hold onto the money.
>
> It’s not a lot, I’ll admit, but most people who get big refunds also carried credit card debt all year at double digit interest rates. That’s where you’re really pissing away “free” money. Take that extra $1000 a month and put toward any interest accruing debt.
hmmm Interesting. Never thought of that
:tspry: Thanks
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### Author:  [@mike125k](https://forums.speedlife.net/u/mike125k)
#### Post date: [January 28, 2009, 7:04am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/64 "2009-01-28T07:04:36Z")
Just got my W-2, so I’ll be doing them this weekend.
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### Author:  [@skatanic28](https://forums.speedlife.net/u/skatanic28)
#### Post date: [January 28, 2009, 7:05am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/65 "2009-01-28T07:05:29Z")
yep, gettin ~$9,500 back :eekdance:
most of it is the first time homebuyer loan though :mamoru:
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### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [January 28, 2009, 7:12am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/66 "2009-01-28T07:12:58Z")
> [@Estorvito](#):
>
> hmmm Interesting. Never thought of that
> :tspry: Thanks
Or you could take that $1000 a month and invest it conservatively in the stock market and have, uh, $5000 at the end of the year. :lol:
Ok, most years it works out better than that. Heh.
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### Author:  [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)
#### Post date: [January 28, 2009, 7:13am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/67 "2009-01-28T07:13:58Z")
I have the feeling that I’m going to owe NYS since I moved out and they’ll have to milk ever cent they can out of me.
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### Author:  [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)
#### Post date: [January 28, 2009, 7:31am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/68 "2009-01-28T07:31:15Z")
Now that I am in my new house I may change my withholdings because I will get more than $10,000 back this year.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [January 28, 2009, 7:39am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/69 "2009-01-28T07:39:49Z")
> [@Blue Eyed Devil](#):
>
> Now that I am in my new house I may change my withholdings because I will get more than $10,000 back this year.
YOU’RE NOT ALLOWED TO WHINE ABOUT TAXES ANY MORE 🎻 😛
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### Author:  [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)
#### Post date: [January 28, 2009, 7:53am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/70 "2009-01-28T07:53:27Z")
I am just awaiting Time Warner from NY, they suck at getting their shit out. I remember last year they offered it online like the 2nd week, but I didnt get the paper one til maybe mid March.
Now that I am not with them online is not available, so I have to wait… sucks.
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### Author:  [@newman](https://forums.speedlife.net/u/newman)
#### Post date: [January 28, 2009, 8:04am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/71 "2009-01-28T08:04:44Z")
Even though I claim 0, I wind up owing.
Fed tax+SS tax+Med Tax+state tax = ~$35,000
And i still owe them money on top of that.
WHAT THE FUCK.
I need a house or wife or kid or something.
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### Author:  [@greenbull](https://forums.speedlife.net/u/greenbull)
#### Post date: [January 28, 2009, 8:06am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/72 "2009-01-28T08:06:30Z")
Need one more W2…probably won’t getting much back as usual. Mainly because I don’t make enough each pay check to pay shit in taxes. 5k gross…6 bucks to the fed and 50 cents to nys lol.
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### Author:  [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)
#### Post date: [January 28, 2009, 8:06am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/73 "2009-01-28T08:06:42Z")
> [@newman](#):
>
> Even though I claim 0, I wind up owing.
>
> Fed tax+SS tax+Med Tax+state tax = ~$35,000
>
> And i still owe them money on top of that.
>
> WHAT THE FUCK.
>
> I need a house or wife or kid or something.
That’s fucked up.
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### Author:  [@theblue](https://forums.speedlife.net/u/theblue)
#### Post date: [January 28, 2009, 9:33am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/74 "2009-01-28T09:33:21Z")
> [@neonglh](#):
>
> I hate when people keep saying “that’s a free loan for the government”. One person said that, and now everyone on the damn internet is saying it. There are not too many better options out there. This past year, if you would have paid all at the end, instead of through the year, it would have been within 1 - 2% difference.
:banghead: you have a masters degree and are working on your DR. how do you not have basic financial sense. It’s not 1-2% unless you have no idea what you’re doing. Even in a high interest savings account with no risk the interest compounds.
back to the original question… I’ve filed my fed, when I get that refund (house stuff) I’m putting more into an IRA then refiling the corrected federal (should get me maybe $500 more in free money) and filing state for the first time.
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### Author:  [@psphinx81](https://forums.speedlife.net/u/psphinx81)
#### Post date: [January 28, 2009, 9:35am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/75 "2009-01-28T09:35:51Z")
not yet, but ill probably get around ~2k back
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### Author:  [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)
#### Post date: [January 28, 2009, 9:36am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/76 "2009-01-28T09:36:44Z")
> [@ryanmcell](#):
>
> That’s fucked up.
I paid ~8k in the past 3.5 months alone.
NYS / Texas FYI
31.8% of my salary went to taxes in NY
22.3% of my salary goes to taxes in TX
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### Author:  [@drvnkd](https://forums.speedlife.net/u/drvnkd)
#### Post date: [January 28, 2009, 9:42am UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/77 "2009-01-28T09:42:18Z")
> [@Fry](#):
>
> Although that’s actually a good way to keep yourself from spending during the year…
Unless you are my wife.
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### Author:  [@Justin](https://forums.speedlife.net/u/Justin)
#### Post date: [January 28, 2009, 6:02pm UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/78 "2009-01-28T18:02:38Z")
Got a confirmation e-mail today that my e-file was accepted and to be expecting my return soon. :tup: to Direct deposit returns.
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### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [January 28, 2009, 8:04pm UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/79 "2009-01-28T20:04:18Z")
Preliminary is 940 back federal and owe 240 to state. Looks like I’ll be tweaking my withholdings again. Going to wait a few more days to file to make sure I don’t have any 1099 stragglers like last year.
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### Author:  [@dawn](https://forums.speedlife.net/u/dawn)
#### Post date: [January 28, 2009, 8:36pm UTC](https://forums.speedlife.net/t/have-you-filed-your-2009-taxes-yet/62009/80 "2009-01-28T20:36:25Z")
My return is expected on 2/6/09 🙂
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