March 24, 2025 • 30 mins
Kelly Seidel from Seidel & Associates in Harrisburg talks about her family's legacy of 50 years preparing taxes and how to remove the upcoming April 15th stress. www.seidelassoc.com
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Episode Transcript
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Speaker 1 (00:00):
Hi, I'm Sylvia Moss and this is Insight, a presentation
of iHeartMedia where we really do care about our local
communities and all our listeners who live here. Well, we're
getting closer and closer to that dreaded deadline of April fifteenth.
And if you're among the one in three taxpayers who
say that the thor following their taxes just about freaks
them out, don't beat yourself up. Because one of the
(00:22):
greatest scientific minds in history, Albert Einstein, said that he
thought taxes were puzzling. Wish old al would have been
around to reach out to today's guests, but maybe maybe
these ladies would have been able to calm his fears
about the complexity of preparing taxes. Because I'll tell you what,
nobody knows as much as Kelly and Courtney. For over
(00:44):
fifty years, Kelly Sidell and our associate has been providing
professional tax service and accounting services for residential and commercial
clients right here throughout the Harrisburg area. Kelly's family is
a three generation women owned businesses and they're here to
provide us with some really great insight into following your
taxes and answered a couple of questions that a lot
of people want to know. You guys, I love it.
(01:07):
I love it. I had these two beautiful women sitting
in front of me. Kelly. It started with your mom,
who you lost last year. She started your tax business.
Tell us the story.
Speaker 2 (01:16):
She My mother lost her father in nineteen seventy and
he was the one that did all the family taxes.
So my grandmother said to her, I will pay for
you to go. I will lend you the money for
you to go take a class and learn.
Speaker 1 (01:33):
To do taxes. Okay.
Speaker 2 (01:35):
That itself led into fifty some years of doing taxes.
Speaker 1 (01:40):
Wow.
Speaker 2 (01:40):
So that's how she started, just to help out the family.
And there we are.
Speaker 1 (01:45):
And then you did it too. And now Courtney, your daughter,
one of three children, And we were talking before we
started the program, and I love what. I love the
idea that your woman owned business and that you've been
around for three generations of women. I think that's all.
But one of the important things to you was that
you could raise your children at the same time, which
(02:06):
I love. Talked to us a little bit.
Speaker 2 (02:08):
Yes, I grew up in the business helping my mom
running around at that time. She just went and went
to different locations and people's houses and everything, or in
our basement. Many people knocked on our door and she
would do the taxes at the kitchen table or whatever.
Speaker 1 (02:26):
I love.
Speaker 2 (02:27):
So then so I grew up in it, and I
went to the corporate world and came back from the
corporate world after having children and decided that that wasn't
for me, and my mother had an opening and there
I went to work for her, started as a payroll
and accounting clerk.
Speaker 1 (02:45):
And okay, now and now it's me and Courtney. You
have a different background. You went into mental health.
Speaker 3 (02:53):
Yes, yes, I got my degree in clinical psychology, just
recently finished that degree. But again, had children and can't
always take kids with us, and I would rather be
present in my kid's life than not.
Speaker 1 (03:07):
So this gives gave.
Speaker 3 (03:08):
Me an opportunity to do both.
Speaker 1 (03:11):
We can do anything, can't we cant That's serious, I mean,
that's awesome. I want to ask you when I mentioned
a lot of people freak out over this, have you
found that to be the case when people come in
for you to do their taxes.
Speaker 2 (03:23):
Absolutely, they are nervous, apprehensive, they don't understand, and a
lot of times we get just here's my stuff, figure
it out. Oh no, yeah, they just have no idea
where to begin, what it means, how to sort it out.
Speaker 1 (03:42):
Well, let me ask you this. Somebody's coming, just an
average person, say they're whether they're married or not. Let's say, okay,
what should they be bringing with them?
Speaker 2 (03:52):
They should bring a copy of the previous year tax
return that they did so that we can look over
that and make sure that we capture if there's any
capital game or capital losses, carry over that type of thing.
But then for the current year, any income statements, their
W two's ten ninety nine RS, interest statements, social security statements,
(04:16):
than any of their deductions, their real estate taxes, mortgage interest,
medical expenses, charitable contributions, and any work expenses, union dues,
that or uniform.
Speaker 1 (04:33):
People always say, well, first of all, correct me if
I'm wrong. Okay, you make so much money, there's a
deduction every year, the standard deduction. Okay. People say, I
can deduct this, I can deduct that. Not as a business.
As an individual, you can deduct what you can deduct
your your mortgage.
Speaker 2 (04:55):
Insurance, mortgage interest insurance, state tax. Right, you can deduct
charitable contributions.
Speaker 1 (05:02):
That's where I'm going with this everybody. Well, first of all,
if you're the money that you if your deduction is
more than your if your standard deduction is more than
all the other deductions you find, then you take the
standard deduction. Okay. People that want to like take a
bag of clothes good will things like that, How do
(05:24):
you know what anything is worth and is it worth it?
Speaker 2 (05:26):
I mean, come on, it's a matter of opinion. Some
people think that their items are worth a lot of money. Yeah,
but a general rule is what you could sell it
for at a flea market, yard sale, that type of organization.
There is a list out there on that. I think
(05:49):
Salvation Army puts out that a pair of pants is
worth a donation costs maybe one to five dollars, or
a suit. So there is a list out there. You
have to really research.
Speaker 1 (06:01):
Okay, if we are going to take deductions as an
individual and we're I don't say, we don't have a house,
what kind of deductions can we take?
Speaker 2 (06:08):
It would be best to take the standard deduction, Okay,
don't have a large mortgage interest. Especially the way they
change the law, the standard deduction is your go to there.
Speaker 1 (06:24):
I think do you think most people take that?
Speaker 2 (06:26):
I do yes, you have to have a very high
mortgage interest if you want to itemize, because they do
have a cap on the tax section. Your state and
local real estate taxes is capped out at ten thousand.
Speaker 1 (06:42):
See, people don't know that. I wouldn't have known that. Okay,
let me ask you this too. See this has always
confused me. If you're not married or you live alone,
should you be filing as head of household or a single?
Speaker 2 (06:56):
Single? If it's just you, okay, If it's if you're
just and alone, unmarried, then you should file single. If
you have dependent children with you that live with you,
and you provide more than fifty percent of their support,
then you would claim head of household.
Speaker 1 (07:13):
Would have to have a dependent. Okay, what about my say,
my parents live with me.
Speaker 2 (07:19):
You might be able to claim them as a dependent.
Speaker 1 (07:24):
But they're getting social Security so then.
Speaker 2 (07:26):
What so you would have to prove that you support
them more than fifty percent.
Speaker 1 (07:30):
I see, okay.
Speaker 2 (07:31):
And what they do with their income has a big
play with that. If they're just putting it into savings,
then you might be able to prove that you are
providing fifty percent, But if they're using that to buy
food or help pay utilities or something. Then it would
be it could be hard.
Speaker 1 (07:51):
My grandson worked at Hershey Park and he got what
do you make it Hershey Parking? Does he have to
claim that? Say? The only I mean, what's how much?
To what point would you have to claim it?
Speaker 3 (08:02):
So, any any earned income, you should be filing a
tax return. The only benefit to filing a tax return
if they had any withholdings on that two couple thousand
dollars that they make at Hershey Park over the summer,
they get majority of their withholdings, if not all of
their withholdings back in a refund, because that standard deduction
(08:24):
would wipe out all of their income.
Speaker 1 (08:26):
I see it.
Speaker 3 (08:27):
So the benefit of filing the tax is getting that refund.
But any earned income is required to file.
Speaker 1 (08:33):
Can you take the individual retirement accounts in the health
savings account? Is that considerable that lower your taxable income?
Speaker 2 (08:42):
If it's a traditional IRA that you're making a contribution to,
it could lower your taxable income. If it's any other
like a RAW that doesn't lower your your taxable income,
but your four A one be four one case. All
that retirement through an employer is normally they take that
(09:06):
out and then calculate your tax, so it's.
Speaker 1 (09:09):
A pre tax, so you cud already could.
Speaker 2 (09:15):
Go ahead. That does reduce your taxbile income, So if
you're trying to save some tax money, you might want
to add more to your retirement contributions through work. That
being said, it's not dollar for dollars, so you know,
if you're trying to reduce your tax liability somewhat, that
would be the way.
Speaker 1 (09:34):
To go about. Okay, the big ones as far as
tax creditor, like the child tax credit? Has that changed
it all this year in the same amount as it
was last year? Can you explain how that works and
who it's for.
Speaker 2 (09:48):
It is basically any child under the age of seventeen,
you receive a two thousand dollars tax.
Speaker 1 (09:56):
If the kids living with you, what if you're divorced
and sharing a child.
Speaker 2 (10:00):
Then it only one person gets the credit.
Speaker 1 (10:03):
You cannot split it.
Speaker 2 (10:04):
So there are occasions where both try to take it
and that uh does not work and you both get
letters and have to prove only one can take it,
so your return is rejected because it's been claimed on
another person's tax return.
Speaker 1 (10:20):
I know a lot of people that have these small
businesses on this site. Can they make a certain amount
of money before they have to claim it.
Speaker 2 (10:29):
They supposed to tell you that you're supposed to claim everything. Yeah,
but a ten ninety nine should be issued for anything
over six hundred dollars. If it's under six.
Speaker 1 (10:43):
That's if you're paying someone to work for you, or
you yourself as a business owner both.
Speaker 2 (10:48):
Okay, So if you have if you have a business
and you're paying somebody over six hundred dollars, you should
issue the ten ninety nine as an independent contractor as
someone doing a business. If you only made four hundred
and fifty dollars, technically you should report that. But if
(11:10):
under four hundred and fifty, you don't pay the self
employment tax on that.
Speaker 1 (11:15):
Oh boy, well, Accordney, I'm just like this. My head
has spent. Okay, here's a question. Say I want to
give my grandchild, but the gift, the gift, how does
that work?
Speaker 3 (11:25):
Is?
Speaker 1 (11:26):
I think it went out this year? It's like what
eighteen or nineteen? Does that mean I can give my
granddaughter a check for nineteen thousand or whatever it is
this year and neither one of us have to pay
taxes on it? Correct? Get out of here? Correct? Yes?
Speaker 2 (11:41):
And in order to do that. If you wanted to
give your your son eighteen nineteen thousand and his wife,
you could do that also.
Speaker 1 (11:54):
If you don't like his wife. Well, what I'm thinking
is could you give them so much? Say it's to nineteen,
Say you have fifty grand saying now I can give
him nineteen the following year, I can give them nineteen.
Neither of us have to pay taxes on it, but
they can put it somewhere for me, like give it back? No,
(12:16):
am I doing something Forrooked here?
Speaker 2 (12:18):
No?
Speaker 1 (12:18):
They can.
Speaker 2 (12:20):
There is when you give taxes like that, and if
you're doing it to avoid inheritance tax or if you're
in a nursing home or that type of thing, there
is a look back period that they could go back and.
Speaker 1 (12:33):
See that's for nursing homes and for property. Right, that's
one thing. But if it's just cash, I'm giving up.
I got to drink some changes.
Speaker 2 (12:41):
Can my name go on that list?
Speaker 1 (12:43):
Absolutely care? You know, there's a couple of things. I
hear them and I just blow them off because this
isn't my thing. You know that? What is the Fair
Tax Act? What is that? That is.
Speaker 2 (12:57):
Changes that they want to make when it comes to
income tax. They want to eliminate income taxts, the payroll taxes,
all those taxes and go to a national sales tax.
Speaker 1 (13:10):
Like a flat tax. Yeah, would that make things easier
for you?
Speaker 2 (13:15):
No, I'd be out of a job.
Speaker 1 (13:17):
I was gonna say. It seems like that you might
have to go to your house for dinner. You're welcome, kiddo.
I don't know what you're gonna get, but okay, let
me ask you this. No, I'm not. I was going
to ask you about the situation with how things are
now with the taxes, but I don't want to get
into that political blooning. Okay, let me ask you this.
I'm gonna read you a couple of statements and you
(13:38):
in court you can speak up ketto tell me if
there truo or false and why. Okay, if you earn
less than the standard deduction for your filing status, you
don't need to file tax return. False? That is false?
Why is that false?
Speaker 3 (13:54):
Because you're still similar to the kid working at ash park.
You still need to fight that you earned income that
you you know in a case that you may owe
that they like to keep track of it. So even
if your standard deduction wipes out all of your income.
You still need to file.
Speaker 1 (14:11):
Okay, say I have some say in a year, I
have a checking account that I earn interest on and
it's up to be I get a thing from them
for like sixteen bucks to waste, still have to turn
that in. Yes, that yes, that sucks.
Speaker 2 (14:27):
As long as if there's a form generated from the
financial institution, anything that was sent to you, the IRS
already knows before you actually file the return return because
it's reported to them also, so then yes, you do
have to file that. They'll send you a nice little
correspondence that says you missed something.
Speaker 1 (14:49):
Wow, here's one. Now this is for older people. In
most cases, if you only receive Social Security minits, you
don't have to file a tax return. Is that true?
That's true? How much do you have to make on
just Social Security?
Speaker 3 (15:03):
If it's just social Security, you don't have.
Speaker 1 (15:05):
To any amount because some people are getting like almost
four grand a month. Yeah, you do not have to
pay taxes on that if you oh you boy.
Speaker 3 (15:13):
The only time you have to file is if you
have anything additional on top of your Social Security the
hard time job, yeah, or your retirement distributions from another source.
Any additional income on top of social Security makes a
portion of your social security.
Speaker 1 (15:29):
Taxable where they actually coming and going? So what so okay,
So say make twenty grand on social Security, okay, and
then you have a part time job for ten grand,
and then you're getting that where they call it we
have to take something from Okay, say it comes up
to thirty five forty thousand dollars. You're telling me I
have to it's how is it? How is it taxed?
Over that whole amount?
Speaker 2 (15:53):
The Social Security can and will be taxed from anywhere
between fifty percent and eighty five five percent of what
you receive in social Security. So that amount is just
based on your your other income, your wages. You're so
if you're making a you know, forty thousand, you're probably
(16:13):
pay close to eighty five percent of on eighty five
percent of your your social security will become taxable.
Speaker 1 (16:21):
Holy up to eighty Okay, do you recommend I know,
when you get social security? They ask you, then do
you want to take your taxes out? Now you're smiling,
What do you say to people?
Speaker 2 (16:32):
It's the best advice, I say yes most cases, if
you're receiving just social security, then no, don't have any withholdings.
But if you have other income, interest, dividends, retirement, part
time job, you know all of that, then I suggest
that you do have withholdings, and it's based on your
(16:54):
tax bracket.
Speaker 1 (16:55):
Okay.
Speaker 2 (16:57):
With Social Security, they only allow you for choices of
withholding seven percent, ten percent, twelve percent, or twenty two percent.
So if you're in the ten percent tax bracket, suggests
ten percent.
Speaker 1 (17:10):
Okay, Okay, here's why there's an age when you do
not have to pay taxes on Social Security. I know
that's wrong.
Speaker 3 (17:17):
Yeah, no, that's not right, not yet anyways, as it
stands now, there's there's no age.
Speaker 1 (17:24):
Wow, I do not have to claim my spouse as
a dependent if he or she works outside the home.
If they don't work outside the home. Like when I
was a kid growing up, mom stayed at home, So
what if nowadays moms don't stay at home? So what's
the story there? Do you have to claim if they
(17:46):
don't work, is what I'm asking.
Speaker 2 (17:47):
Yet, Well, as a married couple, you're not really a dependent.
You're filing a joint return. Okay, whether or not you
work outside the home, you still file a joint retch.
Turn and take the benefits of the married failing joint
filing status.
Speaker 1 (18:05):
Do you ever get confused about all this stuff yourself?
I mean, you guys got to keep on top of this.
There are days. Okay, let's see. I would like to
ask you, can you how do I ask you this one?
What are your chances of The biggest thing I think
(18:25):
people freak out of is all this word about I'm
going to get audited? Is that a reality? I mean
burns up when you hear about these multi millionaires and
they can walk away without paying taxes? Right, and then
some little family make a mistake or something. What are
the chances of the average person being audited? What do
(18:48):
you think?
Speaker 2 (18:48):
The audits are not as frequent as as people people think.
If there's a mistake or the IRS has information that
wasn't included on your tax return, they will send you
a letter and give you the opportunity to make the
adjustment or verify. You can agree or disagree with the
changes that they want. It's not really an audit and
(19:11):
audits I think I might have been through five in
all these years. They're not as as frequent as they think,
and a lot of times they use scare tactics letters.
On the other hand, it's not really an audit, just
you know, they're just verifying or something was reported under
your Social Security number that you didn't report on your
(19:35):
tax return.
Speaker 1 (19:37):
Do a lot of people do You have a lot
of people to come in that don't tell you everything.
That's that's the thing. It's like poltee.
Speaker 2 (19:48):
Sometimes they don't want to.
Speaker 1 (19:50):
Tell riden it. If somebody's gonna find.
Speaker 2 (19:52):
Out it, they're going to find it. They are that I,
like I said before, the I R. S knows what's
should be on your tax return, long be before you
even file it.
Speaker 1 (20:01):
Oh wow, that's something. Okay, let me ask I wanted
to ask you guys a couple more things about deductions
about home. Uh, talk to me about if you are
taking deductions with your home, Like is it used to
be like if you had solar panels things like that?
Is that's still the case? What else?
Speaker 3 (20:17):
So they aren't necessarily a deduction, but they do offer
an energy credit right now credit? Yeah, So the solar
panels usually like HVAC repairs or replacements are considered part
of that. Any replacement of appliances that have that what
is it seven?
Speaker 1 (20:37):
Oh, you have to have one of those special alliances are.
So if my old water heaters shot ten years ago,
I can't. I can't do that.
Speaker 3 (20:44):
Water heaters are included because they do that is considered
an energy efficient replacement or repairing your home.
Speaker 1 (20:51):
Okay, So you sold your house, Okay, and the money
this is I was talking because I'm going to ask
this because this is exactly what having a sold my
house and I thought, oh my gosh, I have to
pay taxes on that income. But I don't because when
I was married one hundred years ago, I owned a house.
(21:13):
But this first time I owned a house on my own,
so I don't have to do it.
Speaker 2 (21:17):
Well, there are limitations and times that.
Speaker 1 (21:20):
You do break in my heart. So if you if.
Speaker 2 (21:25):
You sold your house and you sold it for over
two hundred if you're a single individual, sold it gross sales,
was selling price was over two hundred and fifty thousand dollars,
they will send you a form. But you have the
opportunity to break that down and take what you paid
for the house off of it. And if your your profit,
(21:48):
your bottom line profit is less than two hundred and
fifty thousand dollars, you are allowed to take that one
time exemption if you lived in it for two out
of the last five years and you know it and
you didn't exclude the house before on a tax return.
There are rules to everything, you know, the deduction, the
limit over five hundred thousand for a married couple, and
(22:11):
then you can take you know, then you pay the
capital gains.
Speaker 1 (22:15):
That's where capital games comes in. Oh okay, I see, okay,
all right, what's the next There was something else I
was just going to ask you about that. We're talking
about the odds. Okay. We typically are supposed to file
our taxes on April fifteenth, unless it falls on a Sunday,
then it's whatever. Okay, say I did in MyD taxes
and I can't afford to pay it right now? Can
(22:35):
I wait? What is it till October to pay it?
Or you have to pay something right now?
Speaker 2 (22:40):
You have to pay something right now. The extension that
you're talking about till October is to file, not to pay.
So the the timer penalty and interest timer starts April sixteenth,
So if you don't by then, then you have to
built charge you interest and penalties. They do set up
(23:03):
installment payments. There's an installment plan that you can pay
so much per month. Again, they still charge you some
interest on that.
Speaker 1 (23:11):
Well, you know, I have a friend that's going through this,
and it's not a joke. It's not. If you can
get a low interest or zero interest loan to pay
this off, your heck a lot better because the interest
on it is outrageous.
Speaker 2 (23:24):
It is it is. And I always say, you know,
they they want their money and if there's any other
way to pay it, it would probably be in your
best interest. You don't want on the IRS mailing list
on a monthly basis or any time.
Speaker 1 (23:42):
Really, Well, this friend of mine, they harassed her. And
another thing that I've learned is the IRS does not
call you. They send you letters, right, So if somebody
calls you and say they're from the IRS, that's they're
full of it.
Speaker 2 (23:56):
That's fraud, it's it's scams, it's everything. And we've seen
quite a few people get hit by the exact, especially
older people. They panic and just say, okay, here's my
credit card or you know whatever, and then they're out
that money.
Speaker 1 (24:13):
That's so sad. And that's one of the major things
I want to get across is is that the IRS
is not gonna call you how many people they got.
They don't have time to call you.
Speaker 2 (24:22):
They're saying, you're not going to email you either. Okay,
so it's strictly in letter form.
Speaker 1 (24:28):
And don't freak out if you have to do through
the IRIS. You can make payments, but chances are you
going to be paying it for the rest of you
because the interest is ridiculous. That's why it's so important
to get a low interest, of course. Okay, I want
to ask you some fun questions. I consider them fun.
What kind of tax loopholes do rich people use that
we could use?
Speaker 2 (24:49):
Yeah, I don't know this.
Speaker 1 (24:53):
Take it garden, No, I don't know.
Speaker 3 (24:55):
There's there's not many, to be honest.
Speaker 2 (24:58):
They best in different things that aren't reported gold by gold,
they tell me by silver. You know that type of
thing that there's all kinds that you have to have
a lot of money to be able to access those.
Speaker 1 (25:15):
That's lousiest, somebody told me. Now, don't laugh, and you
probably came across this. You in certain cases, you can
put your dog, I'm watching arts across from you. See
if he's paying attention, you can put your dog. Claim
your dog.
Speaker 2 (25:32):
Well, now the dog has a social Security number, then
you could claim the dog.
Speaker 1 (25:38):
What if it's a what do they call the dogs?
Speaker 2 (25:41):
The service dogs?
Speaker 1 (25:42):
Service dogs?
Speaker 2 (25:43):
If it's medically necessary, you could possibly use that.
Speaker 1 (25:49):
Medical What are some of the goofiest things people have
come in and told you about their taxes?
Speaker 3 (25:55):
That one that's a big one.
Speaker 1 (25:56):
Is you can I claim my cat?
Speaker 3 (25:59):
Can I claim my dog?
Speaker 1 (26:01):
No?
Speaker 2 (26:02):
I've had some people try to claim the dog as security?
Speaker 1 (26:06):
Oh what about emotional? Well there you go, security? Can
you do that?
Speaker 2 (26:11):
Well, not the Yorky are they?
Speaker 1 (26:17):
Is the I r S? That are they that desperate?
If somebody claims the dogs, they're going to check out
and see how big this dog is?
Speaker 2 (26:25):
Probably not, but I don't want to say that, and
then they yeah, yeah, you know, does that include security?
I don't know if the I r S has the
definition of dog and dog food and pet visits and
that type of thing.
Speaker 1 (26:42):
That's interesting because I was checking that out and says, well,
sometimes you can write them off, but if they meet
certain criteria, and that's what you're saying, that's pretty interesting.
Why do you guys, I mean, is it how is
it working with your mom? I know you love it
because you work with your mom and my mom was
my best buddy. I could be with her every day.
(27:04):
But some people don't have that relationship. And there's a
woman owned business they use what's the thing they used
to say, too many cooks in the kitchen?
Speaker 3 (27:12):
Yeah, we I mean this year is a very different year,
losing my grandmother who is the head honcho and I saw.
I mean they had a very My mother and my
grandmother had a very good relationship, and that's what we have.
She is one of my best friends. She's the first
person I call when something happens, and I love having
that relationship. It was not always like that. I was
(27:33):
a difficult team.
Speaker 1 (27:34):
We all go through that. Not me. I was good
and we do.
Speaker 3 (27:39):
We have our days where we butt heads because we
are very similar in that aspect. We have the same personality.
People get us confused when we are on phone calls
with them because we sound similar. But overall, I wouldn't
change it because that you have that. I love having
that relationship with her, knowing that I can go to
(28:01):
her for questions and not have that you know, competitive
nature at work. We were more of a team, and
that's in this transition year of her becoming the owner
of the business instead of my grandmother. We have worked
together just about through every step to make sure that
we are going to be successful in the future.
Speaker 1 (28:22):
And you will you keep each other on. You guys
are both on the same page. And she I'm sure
she's told you this, but I can tell you right
now she is extremely proud of you that you're right alongside.
You're her right hand, just like she was with her mom.
There's something you can't put that into words. Okay. If
(28:43):
somebody wants to get a hold of you, what did
they do?
Speaker 3 (28:47):
So go ahead, because my grandmother was eighty six years
old and running the business.
Speaker 1 (28:54):
She you call us.
Speaker 3 (28:56):
That's how we are always available as our phone number
seven one. I don't we don't need to say it, okay.
Seven one, seven five four five six three eight five
is our office number, but we also are available through
email as well at sidel Front Desk one at gmail
dot com and our receptionists will make sure that we
(29:17):
get contact.
Speaker 1 (29:18):
Kellie Courtney Sidell Accounting. Please get in touch and then
they're awesome. I'm Sylvia Moss. You can help catch Insight
this weekend on ten nighthearst stations or your favorite podcast apps.
See you next week, Hope, Within Ministries provides health, dentalin
(29:55):
counseling services to low income residents of Lebanon, Lancaster, and
dauphincount They need dentists, physicians, and others to volunteer their
services just a few hours a month. For more information
on the ways that you can volunteer or donate, go
to Hope within dot org.
Hi, I'm Sylvia Moss and this is Insight, a presentation
of iHeartMedia where we really do care about our local
communities and all our listeners who live here. Well, we're
getting closer and closer to that dreaded deadline of April fifteenth.
And if you're among the one in three taxpayers who
say that the thor following their taxes just about freaks
them out, don't beat yourself up. Because one of the
(00:22):
greatest scientific minds in history, Albert Einstein, said that he
thought taxes were puzzling. Wish old al would have been
around to reach out to today's guests, but maybe maybe
these ladies would have been able to calm his fears
about the complexity of preparing taxes. Because I'll tell you what,
nobody knows as much as Kelly and Courtney. For over
(00:44):
fifty years, Kelly Sidell and our associate has been providing
professional tax service and accounting services for residential and commercial
clients right here throughout the Harrisburg area. Kelly's family is
a three generation women owned businesses and they're here to
provide us with some really great insight into following your
taxes and answered a couple of questions that a lot
of people want to know. You guys, I love it.
(01:07):
I love it. I had these two beautiful women sitting
in front of me. Kelly. It started with your mom,
who you lost last year. She started your tax business.
Tell us the story.
Speaker 2 (01:16):
She My mother lost her father in nineteen seventy and
he was the one that did all the family taxes.
So my grandmother said to her, I will pay for
you to go. I will lend you the money for
you to go take a class and learn.
Speaker 1 (01:33):
To do taxes. Okay.
Speaker 2 (01:35):
That itself led into fifty some years of doing taxes.
Speaker 1 (01:40):
Wow.
Speaker 2 (01:40):
So that's how she started, just to help out the family.
And there we are.
Speaker 1 (01:45):
And then you did it too. And now Courtney, your daughter,
one of three children, And we were talking before we
started the program, and I love what. I love the
idea that your woman owned business and that you've been
around for three generations of women. I think that's all.
But one of the important things to you was that
you could raise your children at the same time, which
(02:06):
I love. Talked to us a little bit.
Speaker 2 (02:08):
Yes, I grew up in the business helping my mom
running around at that time. She just went and went
to different locations and people's houses and everything, or in
our basement. Many people knocked on our door and she
would do the taxes at the kitchen table or whatever.
Speaker 1 (02:26):
I love.
Speaker 2 (02:27):
So then so I grew up in it, and I
went to the corporate world and came back from the
corporate world after having children and decided that that wasn't
for me, and my mother had an opening and there
I went to work for her, started as a payroll
and accounting clerk.
Speaker 1 (02:45):
And okay, now and now it's me and Courtney. You
have a different background. You went into mental health.
Speaker 3 (02:53):
Yes, yes, I got my degree in clinical psychology, just
recently finished that degree. But again, had children and can't
always take kids with us, and I would rather be
present in my kid's life than not.
Speaker 1 (03:07):
So this gives gave.
Speaker 3 (03:08):
Me an opportunity to do both.
Speaker 1 (03:11):
We can do anything, can't we cant That's serious, I mean,
that's awesome. I want to ask you when I mentioned
a lot of people freak out over this, have you
found that to be the case when people come in
for you to do their taxes.
Speaker 2 (03:23):
Absolutely, they are nervous, apprehensive, they don't understand, and a
lot of times we get just here's my stuff, figure
it out. Oh no, yeah, they just have no idea
where to begin, what it means, how to sort it out.
Speaker 1 (03:42):
Well, let me ask you this. Somebody's coming, just an
average person, say they're whether they're married or not. Let's say, okay,
what should they be bringing with them?
Speaker 2 (03:52):
They should bring a copy of the previous year tax
return that they did so that we can look over
that and make sure that we capture if there's any
capital game or capital losses, carry over that type of thing.
But then for the current year, any income statements, their
W two's ten ninety nine RS, interest statements, social security statements,
(04:16):
than any of their deductions, their real estate taxes, mortgage interest,
medical expenses, charitable contributions, and any work expenses, union dues,
that or uniform.
Speaker 1 (04:33):
People always say, well, first of all, correct me if
I'm wrong. Okay, you make so much money, there's a
deduction every year, the standard deduction. Okay. People say, I
can deduct this, I can deduct that. Not as a business.
As an individual, you can deduct what you can deduct
your your mortgage.
Speaker 2 (04:55):
Insurance, mortgage interest insurance, state tax. Right, you can deduct
charitable contributions.
Speaker 1 (05:02):
That's where I'm going with this everybody. Well, first of all,
if you're the money that you if your deduction is
more than your if your standard deduction is more than
all the other deductions you find, then you take the
standard deduction. Okay. People that want to like take a
bag of clothes good will things like that, How do
(05:24):
you know what anything is worth and is it worth it?
Speaker 2 (05:26):
I mean, come on, it's a matter of opinion. Some
people think that their items are worth a lot of money. Yeah,
but a general rule is what you could sell it
for at a flea market, yard sale, that type of organization.
There is a list out there on that. I think
(05:49):
Salvation Army puts out that a pair of pants is
worth a donation costs maybe one to five dollars, or
a suit. So there is a list out there. You
have to really research.
Speaker 1 (06:01):
Okay, if we are going to take deductions as an
individual and we're I don't say, we don't have a house,
what kind of deductions can we take?
Speaker 2 (06:08):
It would be best to take the standard deduction, Okay,
don't have a large mortgage interest. Especially the way they
change the law, the standard deduction is your go to there.
Speaker 1 (06:24):
I think do you think most people take that?
Speaker 2 (06:26):
I do yes, you have to have a very high
mortgage interest if you want to itemize, because they do
have a cap on the tax section. Your state and
local real estate taxes is capped out at ten thousand.
Speaker 1 (06:42):
See, people don't know that. I wouldn't have known that. Okay,
let me ask you this too. See this has always
confused me. If you're not married or you live alone,
should you be filing as head of household or a single?
Speaker 2 (06:56):
Single? If it's just you, okay, If it's if you're
just and alone, unmarried, then you should file single. If
you have dependent children with you that live with you,
and you provide more than fifty percent of their support,
then you would claim head of household.
Speaker 1 (07:13):
Would have to have a dependent. Okay, what about my say,
my parents live with me.
Speaker 2 (07:19):
You might be able to claim them as a dependent.
Speaker 1 (07:24):
But they're getting social Security so then.
Speaker 2 (07:26):
What so you would have to prove that you support
them more than fifty percent.
Speaker 1 (07:30):
I see, okay.
Speaker 2 (07:31):
And what they do with their income has a big
play with that. If they're just putting it into savings,
then you might be able to prove that you are
providing fifty percent, But if they're using that to buy
food or help pay utilities or something. Then it would
be it could be hard.
Speaker 1 (07:51):
My grandson worked at Hershey Park and he got what
do you make it Hershey Parking? Does he have to
claim that? Say? The only I mean, what's how much?
To what point would you have to claim it?
Speaker 3 (08:02):
So, any any earned income, you should be filing a
tax return. The only benefit to filing a tax return
if they had any withholdings on that two couple thousand
dollars that they make at Hershey Park over the summer,
they get majority of their withholdings, if not all of
their withholdings back in a refund, because that standard deduction
(08:24):
would wipe out all of their income.
Speaker 1 (08:26):
I see it.
Speaker 3 (08:27):
So the benefit of filing the tax is getting that refund.
But any earned income is required to file.
Speaker 1 (08:33):
Can you take the individual retirement accounts in the health
savings account? Is that considerable that lower your taxable income?
Speaker 2 (08:42):
If it's a traditional IRA that you're making a contribution to,
it could lower your taxable income. If it's any other
like a RAW that doesn't lower your your taxable income,
but your four A one be four one case. All
that retirement through an employer is normally they take that
(09:06):
out and then calculate your tax, so it's.
Speaker 1 (09:09):
A pre tax, so you cud already could.
Speaker 2 (09:15):
Go ahead. That does reduce your taxbile income, So if
you're trying to save some tax money, you might want
to add more to your retirement contributions through work. That
being said, it's not dollar for dollars, so you know,
if you're trying to reduce your tax liability somewhat, that
would be the way.
Speaker 1 (09:34):
To go about. Okay, the big ones as far as
tax creditor, like the child tax credit? Has that changed
it all this year in the same amount as it
was last year? Can you explain how that works and
who it's for.
Speaker 2 (09:48):
It is basically any child under the age of seventeen,
you receive a two thousand dollars tax.
Speaker 1 (09:56):
If the kids living with you, what if you're divorced
and sharing a child.
Speaker 2 (10:00):
Then it only one person gets the credit.
Speaker 1 (10:03):
You cannot split it.
Speaker 2 (10:04):
So there are occasions where both try to take it
and that uh does not work and you both get
letters and have to prove only one can take it,
so your return is rejected because it's been claimed on
another person's tax return.
Speaker 1 (10:20):
I know a lot of people that have these small
businesses on this site. Can they make a certain amount
of money before they have to claim it.
Speaker 2 (10:29):
They supposed to tell you that you're supposed to claim everything. Yeah,
but a ten ninety nine should be issued for anything
over six hundred dollars. If it's under six.
Speaker 1 (10:43):
That's if you're paying someone to work for you, or
you yourself as a business owner both.
Speaker 2 (10:48):
Okay, So if you have if you have a business
and you're paying somebody over six hundred dollars, you should
issue the ten ninety nine as an independent contractor as
someone doing a business. If you only made four hundred
and fifty dollars, technically you should report that. But if
(11:10):
under four hundred and fifty, you don't pay the self
employment tax on that.
Speaker 1 (11:15):
Oh boy, well, Accordney, I'm just like this. My head
has spent. Okay, here's a question. Say I want to
give my grandchild, but the gift, the gift, how does
that work?
Speaker 3 (11:25):
Is?
Speaker 1 (11:26):
I think it went out this year? It's like what
eighteen or nineteen? Does that mean I can give my
granddaughter a check for nineteen thousand or whatever it is
this year and neither one of us have to pay
taxes on it? Correct? Get out of here? Correct? Yes?
Speaker 2 (11:41):
And in order to do that. If you wanted to
give your your son eighteen nineteen thousand and his wife,
you could do that also.
Speaker 1 (11:54):
If you don't like his wife. Well, what I'm thinking
is could you give them so much? Say it's to nineteen,
Say you have fifty grand saying now I can give
him nineteen the following year, I can give them nineteen.
Neither of us have to pay taxes on it, but
they can put it somewhere for me, like give it back? No,
(12:16):
am I doing something Forrooked here?
Speaker 2 (12:18):
No?
Speaker 1 (12:18):
They can.
Speaker 2 (12:20):
There is when you give taxes like that, and if
you're doing it to avoid inheritance tax or if you're
in a nursing home or that type of thing, there
is a look back period that they could go back and.
Speaker 1 (12:33):
See that's for nursing homes and for property. Right, that's
one thing. But if it's just cash, I'm giving up.
I got to drink some changes.
Speaker 2 (12:41):
Can my name go on that list?
Speaker 1 (12:43):
Absolutely care? You know, there's a couple of things. I
hear them and I just blow them off because this
isn't my thing. You know that? What is the Fair
Tax Act? What is that? That is.
Speaker 2 (12:57):
Changes that they want to make when it comes to
income tax. They want to eliminate income taxts, the payroll taxes,
all those taxes and go to a national sales tax.
Speaker 1 (13:10):
Like a flat tax. Yeah, would that make things easier
for you?
Speaker 2 (13:15):
No, I'd be out of a job.
Speaker 1 (13:17):
I was gonna say. It seems like that you might
have to go to your house for dinner. You're welcome, kiddo.
I don't know what you're gonna get, but okay, let
me ask you this. No, I'm not. I was going
to ask you about the situation with how things are
now with the taxes, but I don't want to get
into that political blooning. Okay, let me ask you this.
I'm gonna read you a couple of statements and you
(13:38):
in court you can speak up ketto tell me if
there truo or false and why. Okay, if you earn
less than the standard deduction for your filing status, you
don't need to file tax return. False? That is false?
Why is that false?
Speaker 3 (13:54):
Because you're still similar to the kid working at ash park.
You still need to fight that you earned income that
you you know in a case that you may owe
that they like to keep track of it. So even
if your standard deduction wipes out all of your income.
You still need to file.
Speaker 1 (14:11):
Okay, say I have some say in a year, I
have a checking account that I earn interest on and
it's up to be I get a thing from them
for like sixteen bucks to waste, still have to turn
that in. Yes, that yes, that sucks.
Speaker 2 (14:27):
As long as if there's a form generated from the
financial institution, anything that was sent to you, the IRS
already knows before you actually file the return return because
it's reported to them also, so then yes, you do
have to file that. They'll send you a nice little
correspondence that says you missed something.
Speaker 1 (14:49):
Wow, here's one. Now this is for older people. In
most cases, if you only receive Social Security minits, you
don't have to file a tax return. Is that true?
That's true? How much do you have to make on
just Social Security?
Speaker 3 (15:03):
If it's just social Security, you don't have.
Speaker 1 (15:05):
To any amount because some people are getting like almost
four grand a month. Yeah, you do not have to
pay taxes on that if you oh you boy.
Speaker 3 (15:13):
The only time you have to file is if you
have anything additional on top of your Social Security the
hard time job, yeah, or your retirement distributions from another source.
Any additional income on top of social Security makes a
portion of your social security.
Speaker 1 (15:29):
Taxable where they actually coming and going? So what so okay,
So say make twenty grand on social Security, okay, and
then you have a part time job for ten grand,
and then you're getting that where they call it we
have to take something from Okay, say it comes up
to thirty five forty thousand dollars. You're telling me I
have to it's how is it? How is it taxed?
Over that whole amount?
Speaker 2 (15:53):
The Social Security can and will be taxed from anywhere
between fifty percent and eighty five five percent of what
you receive in social Security. So that amount is just
based on your your other income, your wages. You're so
if you're making a you know, forty thousand, you're probably
(16:13):
pay close to eighty five percent of on eighty five
percent of your your social security will become taxable.
Speaker 1 (16:21):
Holy up to eighty Okay, do you recommend I know,
when you get social security? They ask you, then do
you want to take your taxes out? Now you're smiling,
What do you say to people?
Speaker 2 (16:32):
It's the best advice, I say yes most cases, if
you're receiving just social security, then no, don't have any withholdings.
But if you have other income, interest, dividends, retirement, part
time job, you know all of that, then I suggest
that you do have withholdings, and it's based on your
(16:54):
tax bracket.
Speaker 1 (16:55):
Okay.
Speaker 2 (16:57):
With Social Security, they only allow you for choices of
withholding seven percent, ten percent, twelve percent, or twenty two percent.
So if you're in the ten percent tax bracket, suggests
ten percent.
Speaker 1 (17:10):
Okay, Okay, here's why there's an age when you do
not have to pay taxes on Social Security. I know
that's wrong.
Speaker 3 (17:17):
Yeah, no, that's not right, not yet anyways, as it
stands now, there's there's no age.
Speaker 1 (17:24):
Wow, I do not have to claim my spouse as
a dependent if he or she works outside the home.
If they don't work outside the home. Like when I
was a kid growing up, mom stayed at home, So
what if nowadays moms don't stay at home? So what's
the story there? Do you have to claim if they
(17:46):
don't work, is what I'm asking.
Speaker 2 (17:47):
Yet, Well, as a married couple, you're not really a dependent.
You're filing a joint return. Okay, whether or not you
work outside the home, you still file a joint retch.
Turn and take the benefits of the married failing joint
filing status.
Speaker 1 (18:05):
Do you ever get confused about all this stuff yourself?
I mean, you guys got to keep on top of this.
There are days. Okay, let's see. I would like to
ask you, can you how do I ask you this one?
What are your chances of The biggest thing I think
(18:25):
people freak out of is all this word about I'm
going to get audited? Is that a reality? I mean
burns up when you hear about these multi millionaires and
they can walk away without paying taxes? Right, and then
some little family make a mistake or something. What are
the chances of the average person being audited? What do
(18:48):
you think?
Speaker 2 (18:48):
The audits are not as frequent as as people people think.
If there's a mistake or the IRS has information that
wasn't included on your tax return, they will send you
a letter and give you the opportunity to make the
adjustment or verify. You can agree or disagree with the
changes that they want. It's not really an audit and
(19:11):
audits I think I might have been through five in
all these years. They're not as as frequent as they think,
and a lot of times they use scare tactics letters.
On the other hand, it's not really an audit, just
you know, they're just verifying or something was reported under
your Social Security number that you didn't report on your
(19:35):
tax return.
Speaker 1 (19:37):
Do a lot of people do You have a lot
of people to come in that don't tell you everything.
That's that's the thing. It's like poltee.
Speaker 2 (19:48):
Sometimes they don't want to.
Speaker 1 (19:50):
Tell riden it. If somebody's gonna find.
Speaker 2 (19:52):
Out it, they're going to find it. They are that I,
like I said before, the I R. S knows what's
should be on your tax return, long be before you
even file it.
Speaker 1 (20:01):
Oh wow, that's something. Okay, let me ask I wanted
to ask you guys a couple more things about deductions
about home. Uh, talk to me about if you are
taking deductions with your home, Like is it used to
be like if you had solar panels things like that?
Is that's still the case? What else?
Speaker 3 (20:17):
So they aren't necessarily a deduction, but they do offer
an energy credit right now credit? Yeah, So the solar
panels usually like HVAC repairs or replacements are considered part
of that. Any replacement of appliances that have that what
is it seven?
Speaker 1 (20:37):
Oh, you have to have one of those special alliances are.
So if my old water heaters shot ten years ago,
I can't. I can't do that.
Speaker 3 (20:44):
Water heaters are included because they do that is considered
an energy efficient replacement or repairing your home.
Speaker 1 (20:51):
Okay, So you sold your house, Okay, and the money
this is I was talking because I'm going to ask
this because this is exactly what having a sold my
house and I thought, oh my gosh, I have to
pay taxes on that income. But I don't because when
I was married one hundred years ago, I owned a house.
(21:13):
But this first time I owned a house on my own,
so I don't have to do it.
Speaker 2 (21:17):
Well, there are limitations and times that.
Speaker 1 (21:20):
You do break in my heart. So if you if.
Speaker 2 (21:25):
You sold your house and you sold it for over
two hundred if you're a single individual, sold it gross sales,
was selling price was over two hundred and fifty thousand dollars,
they will send you a form. But you have the
opportunity to break that down and take what you paid
for the house off of it. And if your your profit,
(21:48):
your bottom line profit is less than two hundred and
fifty thousand dollars, you are allowed to take that one
time exemption if you lived in it for two out
of the last five years and you know it and
you didn't exclude the house before on a tax return.
There are rules to everything, you know, the deduction, the
limit over five hundred thousand for a married couple, and
(22:11):
then you can take you know, then you pay the
capital gains.
Speaker 1 (22:15):
That's where capital games comes in. Oh okay, I see, okay,
all right, what's the next There was something else I
was just going to ask you about that. We're talking
about the odds. Okay. We typically are supposed to file
our taxes on April fifteenth, unless it falls on a Sunday,
then it's whatever. Okay, say I did in MyD taxes
and I can't afford to pay it right now? Can
(22:35):
I wait? What is it till October to pay it?
Or you have to pay something right now?
Speaker 2 (22:40):
You have to pay something right now. The extension that
you're talking about till October is to file, not to pay.
So the the timer penalty and interest timer starts April sixteenth,
So if you don't by then, then you have to
built charge you interest and penalties. They do set up
(23:03):
installment payments. There's an installment plan that you can pay
so much per month. Again, they still charge you some
interest on that.
Speaker 1 (23:11):
Well, you know, I have a friend that's going through this,
and it's not a joke. It's not. If you can
get a low interest or zero interest loan to pay
this off, your heck a lot better because the interest
on it is outrageous.
Speaker 2 (23:24):
It is it is. And I always say, you know,
they they want their money and if there's any other
way to pay it, it would probably be in your
best interest. You don't want on the IRS mailing list
on a monthly basis or any time.
Speaker 1 (23:42):
Really, Well, this friend of mine, they harassed her. And
another thing that I've learned is the IRS does not
call you. They send you letters, right, So if somebody
calls you and say they're from the IRS, that's they're
full of it.
Speaker 2 (23:56):
That's fraud, it's it's scams, it's everything. And we've seen
quite a few people get hit by the exact, especially
older people. They panic and just say, okay, here's my
credit card or you know whatever, and then they're out
that money.
Speaker 1 (24:13):
That's so sad. And that's one of the major things
I want to get across is is that the IRS
is not gonna call you how many people they got.
They don't have time to call you.
Speaker 2 (24:22):
They're saying, you're not going to email you either. Okay,
so it's strictly in letter form.
Speaker 1 (24:28):
And don't freak out if you have to do through
the IRIS. You can make payments, but chances are you
going to be paying it for the rest of you
because the interest is ridiculous. That's why it's so important
to get a low interest, of course. Okay, I want
to ask you some fun questions. I consider them fun.
What kind of tax loopholes do rich people use that
we could use?
Speaker 2 (24:49):
Yeah, I don't know this.
Speaker 1 (24:53):
Take it garden, No, I don't know.
Speaker 3 (24:55):
There's there's not many, to be honest.
Speaker 2 (24:58):
They best in different things that aren't reported gold by gold,
they tell me by silver. You know that type of
thing that there's all kinds that you have to have
a lot of money to be able to access those.
Speaker 1 (25:15):
That's lousiest, somebody told me. Now, don't laugh, and you
probably came across this. You in certain cases, you can
put your dog, I'm watching arts across from you. See
if he's paying attention, you can put your dog. Claim
your dog.
Speaker 2 (25:32):
Well, now the dog has a social Security number, then
you could claim the dog.
Speaker 1 (25:38):
What if it's a what do they call the dogs?
Speaker 2 (25:41):
The service dogs?
Speaker 1 (25:42):
Service dogs?
Speaker 2 (25:43):
If it's medically necessary, you could possibly use that.
Speaker 1 (25:49):
Medical What are some of the goofiest things people have
come in and told you about their taxes?
Speaker 3 (25:55):
That one that's a big one.
Speaker 1 (25:56):
Is you can I claim my cat?
Speaker 3 (25:59):
Can I claim my dog?
Speaker 1 (26:01):
No?
Speaker 2 (26:02):
I've had some people try to claim the dog as security?
Speaker 1 (26:06):
Oh what about emotional? Well there you go, security? Can
you do that?
Speaker 2 (26:11):
Well, not the Yorky are they?
Speaker 1 (26:17):
Is the I r S? That are they that desperate?
If somebody claims the dogs, they're going to check out
and see how big this dog is?
Speaker 2 (26:25):
Probably not, but I don't want to say that, and
then they yeah, yeah, you know, does that include security?
I don't know if the I r S has the
definition of dog and dog food and pet visits and
that type of thing.
Speaker 1 (26:42):
That's interesting because I was checking that out and says, well,
sometimes you can write them off, but if they meet
certain criteria, and that's what you're saying, that's pretty interesting.
Why do you guys, I mean, is it how is
it working with your mom? I know you love it
because you work with your mom and my mom was
my best buddy. I could be with her every day.
(27:04):
But some people don't have that relationship. And there's a
woman owned business they use what's the thing they used
to say, too many cooks in the kitchen?
Speaker 3 (27:12):
Yeah, we I mean this year is a very different year,
losing my grandmother who is the head honcho and I saw.
I mean they had a very My mother and my
grandmother had a very good relationship, and that's what we have.
She is one of my best friends. She's the first
person I call when something happens, and I love having
that relationship. It was not always like that. I was
(27:33):
a difficult team.
Speaker 1 (27:34):
We all go through that. Not me. I was good
and we do.
Speaker 3 (27:39):
We have our days where we butt heads because we
are very similar in that aspect. We have the same personality.
People get us confused when we are on phone calls
with them because we sound similar. But overall, I wouldn't
change it because that you have that. I love having
that relationship with her, knowing that I can go to
(28:01):
her for questions and not have that you know, competitive
nature at work. We were more of a team, and
that's in this transition year of her becoming the owner
of the business instead of my grandmother. We have worked
together just about through every step to make sure that
we are going to be successful in the future.
Speaker 1 (28:22):
And you will you keep each other on. You guys
are both on the same page. And she I'm sure
she's told you this, but I can tell you right
now she is extremely proud of you that you're right alongside.
You're her right hand, just like she was with her mom.
There's something you can't put that into words. Okay. If
(28:43):
somebody wants to get a hold of you, what did
they do?
Speaker 3 (28:47):
So go ahead, because my grandmother was eighty six years
old and running the business.
Speaker 1 (28:54):
She you call us.
Speaker 3 (28:56):
That's how we are always available as our phone number
seven one. I don't we don't need to say it, okay.
Seven one, seven five four five six three eight five
is our office number, but we also are available through
email as well at sidel Front Desk one at gmail
dot com and our receptionists will make sure that we
(29:17):
get contact.
Speaker 1 (29:18):
Kellie Courtney Sidell Accounting. Please get in touch and then
they're awesome. I'm Sylvia Moss. You can help catch Insight
this weekend on ten nighthearst stations or your favorite podcast apps.
See you next week, Hope, Within Ministries provides health, dentalin
(29:55):
counseling services to low income residents of Lebanon, Lancaster, and
dauphincount They need dentists, physicians, and others to volunteer their
services just a few hours a month. For more information
on the ways that you can volunteer or donate, go
to Hope within dot org.
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