Closing and Taxes

Yours portly has spent the last two nights laboring over income tax returns for Dr. Wife and myself.  My taxes are always a bit unusual because I have so many side hustles (and 1099s as a result), but getting married in late 2025 changed quite a bit.  Apparently, the State of South Carolina treats all income reported on the federal tax return as income due to the State, but you can claw it back to avoid double taxation (which is unconstitutional) by pulling the AGI from another State’s return (in this case, Dr. Wife’s earnings were entirely in North Carolina).  I was shocked to learn that North Carolina has a lower State income tax than South Carolina, especially as we’re the allegedly more conservative of the two Carolinas.  Yeesh!

Quick note:  do not take any of the above as financial or tax advice.  I’m not even sure if I’m explaining all of that correctly (to my younger brother:  don’t panic—I did everything by the book, I just can’t remember every little exact detail at the time of writing, and don’t feel like looking it all up again, but I did it correctly).

As per usual, filling out tax forms reminds me of how much I despise the income tax, in part because it demands that we reveal so much of ourselves to the federal government.  Like with so many things, though, we reveal intimate details about our lives—like how big our home office is—so we can grasp onto a few more of our  own dollars.  At this point, we should do away with all deductions and just charge everyone a flat 5% of their income—or, better yet, abolish the income tax and shift to a flat national sales tax.  It’s way easier to control my spending than to try to calculate what percentage of my cell phone usage was for business purposes.

It’s also frustrating to hustle and scrimp and save all year, only to be punished for it come tax day (and, yes, I should start paying taxes quarterly—that’s coming under the new Dr. Wife/Portly regime).

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Phone it in Friday CXXII: YouTube Roundup CLXXXII: House Cleaning

This week I’m really phoning it in, as the video today is showcasing someone else’s hard work.

My pastor started a cleaning business, Cornerstone Cleaning Solutions.  He specializes in carpet cleaning—and, boy, does he do an amazing job—but  he also does general house cleaning, including my least favorite chore:  dusting.

I had to get my house on the market and it was suffering from seven-odd-years of an overworked man’s routine.  Without a regular feminine presence, the dust had piled  up into thicc (as the kids say) layers.  It was pretty disgraceful, and definitely not fitting for showings.

Yours portly worked overtime for about two weeks to dust and declutter simply to prepare for my pastor to come in and work his magic.  He spent eight hours on his first visit deep cleaning the carpets, dusting, etc.

I’ve hired him to do twice-monthly visits until the house sells (it’s currently under contract, so God Willing, the closing will be soon).  I made this video after his second visit (just three hours compared to the initial one):

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Midweek Update: Home Selling

A quick update from yours portly today, as I’ve been hustling to get my house ready to list.  Last week, my pastor (who just started a carpet cleaning business) did a deep clean of the house, which, of course, meant I had to deep clean before he arrived so he could get to the really bad stuff.  My mind boggles at how much junk I have accumulated in just seven years.

This morning my realtor came by with a photographer to get pictures of the house, so that required more organization, especially involving the artful concealment of things no one wants to see in pictures of a home—trashcans, the stuff you keep on the back of the toilet, etc.  I was really pleased when my realtor told me that I’d done a great job getting things together.

Now I’m just waiting for the disclosure paperwork, and soon my little home will be on the market officially.  Selling that will be a huge boon for Dr. Wife and me.  We currently own three homes between us, which sounds like some kind of decadent dream, but it’s really a huge time- and money-sink.  My house, fortunately, is paid off, thanks in part to the best bank of all, The First Bank of Mom and Dad.  The value has more than doubled (of course, the value of the dollar has probably halved) since I bought it, so I should walk away with a good profit, which will help to pay for the hefty mortgage on the new house.

Shew!  But I digress.  Please be praying that my house sells quickly—and Dr. Wife’s!  She’s had hers on the market since right before the wedding back in November, and while she’s had some showings, she hasn’t had any offers yet.  We need that albatross dropped onto some hapless chump happy new homeowner ASAP!

More to come.  Happy Wednesday!

—TPP

Wedding Week Madness

It’s been a wild and wooly wedding week for yours portly and Dr. Fiancée.  Our closing on Monday went well, and I spent Tuesday morning visiting the DMV, the courthouse, and the city hall of our new town to get everything setup.  I was apparently so quick, the attorneys had not gotten the updated deed to the courthouse yet!

I also picked up our marriage license.  Dr. Fiancée and I applied for it on Monday, but South Carolina requires a twenty-four waiting period, I suppose to allow cooler heads (or shotguns) to prevail in the event of impulsive (or coerced) marriages.

The past few days—even the past few weeks!—have felt like a marathon of threading needles of time.  But it’s all coming together!

Now I’m just praying my tuxedo arrives at my local Men’s Wearhouse this afternoon, so I don’t have to make a special trip tomorrow.  If that’s the only snag in this wedding week, though, I’ll be very pleased!

Dr. Fiancée and I are super excited.  We’re also ready to disconnect for the honeymoon.

To that end, I’ll be running TPP’s Greatest Hits (or something like that) next week.  I’ll catch up on comments and such when we are back.

Just three days!  We’re so close!

—TPP

Closing

Today Dr. Fiancée (she’ll be Dr. Wife as of Saturday afternoon!) and I are closing on a house in the small town where we’ll be moving once she completes residency.  We weren’t going to purchase a home at this point, but when another house we’d looked at went under contract, we started looking again.

The house we’re purchasing today had gone through a couple of price reductions since we’d first seen it on Zillow.  Dr. F looked at me and said, “I want this house,” so I went to work.

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