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Text Box: additional taxes, interest and penalties. - Marriage and Divorce 2003 Tax Guide Text Box: File as head of your household. In many cases, your tax bill will be lower than if you file as a single person or married filing separately. The 15% bracket now covers up to $28,400 in taxable income for single filers and married people filing separately this year. For heads of household, the 15% bracket covers income up to $38,050. Beyond those thresholds, the tax rate jumps to 25% for all categories. You and/or your spouse can file as head of household if you meet four tests… Your home was the principal residence of a dependent Text Box: child for more than half the year. You file a tax return separately from your spouse. Your spouse did not live with you during the last six months of the year. You paid more than half o your household’s costs during the year. Tax rates on joint returns are the most favorable, but you might not want to file jointly if your marriage is in trouble. If the IRS audits a joint return and find a shortfall, it usually can dun either spouse for the entire amount of Text Box: Irritating Web Hazard SPYWARE. It secretly attaches itself to your computer, follows along as you use the Web and alerts advertisers to where you go and for how long. Spyware gets onto your computer automatically when you visit unfamiliar Web sites and/or download any free software. Check out unfamiliar software sites ahead of time at www.spywareguide.com. Free antispyware utilities can detect and remove spyware. Text Box: How To Save BIG on Taxes (if you’re Divorced or Separated) Text Box: Did You Know? Text Box: AMT Trap: If you liquidate assets that have gone up in value, you may have to pay state and local income taxes on the sale, which could make you subject to the alternative minimum tax (AMT). Text Box: Organ Donor Agreements should be kept at home, where family can find them-not with your driver’s license. If the donation agreements is on the license, someone who has never met you or your loved one may make the decision about when to harvest organs. When death is very near, organs may Text Box: be harvested before family members are ready-perhaps when a person is brain dead and there is an urgent need for organs. This is likely to occur if the family is involved in the decision. Henry Abts III, The State Plan, author of The Living Trust (McGraw-Hill).

Ian C. Wilkinson, LUTCF
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