Friday, February 25, 2011

Where Are the Parents?

Being There May Make All the Difference


The traumatic shock resulted from the tragedy has made sure that we remember this surreal day of January 8, 2011. On this peaceful Saturday morning under the brilliant Arizona sun, as Time magazine reports, a taxicab pulled into the parking lot of a Tucson strip mall, and out came a crazed young man named Jared Loughner with a Glock 19 pistol. Within fifteen seconds and after 31 bullets, six people lay dead and 13 would have to fight for their lives.

Among the victims were nine-year old girl Christina Green, who just wanted to grow up “so bad” before she lost her life, and congresswoman Gabrielle Giffords, who was the actual intended target and gravely wounded in the head.

Saddened, angry and perhaps overwhelmed, people are still trying to make sense of this senseless act of violence. And a lot of fingers started pointing each and every way.

Some political pundits are quick to blame the guns and the irony that a mad man can easily buy one in a store but a ordinary mom can’t bring a bottle of baby formula onto an airplane. Others decry extreme rhetoric that has been poisoning the political atmosphere and in the process might have finally pushed the troubled young man over the edge. But the psychiatric experts would argue that there is no way political rhetoric alone would cause a mentally ill person to commit violence.

Each camp appears to have done a convincing job making their points, but amidst all those back-and-forth debates, no one seems to want to ask, at least in public: Where were the parents before the seemingly normal young man turned into a killer?

This is a very sensitive topic; and at this difficult time, out of respect, even the normally aggressive news media are unwilling to press the “distraught” elder Loughners for answers, and rightly leave them alone. No one is in the position to pass judgment on them, nor should anyone. Let ‘s just simply step back and take a look at what we know so far.

Like most kids, Jared “was a nice, friendly boy, tooting his saxophone in the school band”, or even “a little nerdy”, as Time describes. Then he changed in his mid-teens, started drinking heavily and doing drugs, lost touch with friends and eventually dropped out of school. At this point, experts point out, Jared was already showing signs of mental illness.

This kid’s descent might have been gradual and happened over a long period of time, but it must have been obvious enough for anyone around him every day to realize. If he lives at home, normally a child’s parents should be able to notice things change about him. But was this the case with Jared’s family? Were his parents with him often enough to actually detect the changes in Jared’s behavior? What if they were able to talk things over? Perhaps they could go to a doctor, or seek counseling. Would that have helped?

By the time he turned twenty, Jared’s mental disorder had deteriorated to such a state that he established bizarre beliefs. Through his own distorted lenses, he saw a crooked world that was out to victimize him. And he decided to “fix it”. His behavior frightened his classmates so much that his community college had to ask him to stay out until he could produce a letter from a mental-health professional certifying that he was fit to return. Of course, as we now know it, he bought a gun instead.

We missed another golden opportunity to save Jared and his potential victims here. If only someone, especially his loved ones were able to heed the demand of the community college and bring him to a mental-health professional, Jared would have been correctly diagnosed and provided with proper treatments – perhaps through medications and even mental institution. Unfortunately, this never happened. Once again, the question arises: Where were the parents?

In this country individualism and independence are so highly regarded and encouraged that youngsters are often left on their own at an early age in the name of  “finding themselves”. Or many parents are just “too busy” to spend time with their kids.

Have you ever seen how a gardener plants a tree? He would find a suitable spot, dig a hole of the proper size, lay the tree in, provide enough planting soil, fertilizer and water and cover the area with mulch. Before leaving, he always makes sure to spike in two or three stakes and tether them together with the young tree! He does this because he realizes that without the support, this young life is not going to stand the elements and may not even survive the first storm it faces.

Raising a child is not much different from growing a tree. You obviously have to provide him with food and shelter, but that’s not going to be sufficient for him to live and grow up in a healthy way in this increasingly complicated and challenging environment. He needs continued support, just like a young tree needs regular watering. Just as important, he needs guidance and discipline. Temporarily tying the tree down is not going to restrict its growth; and doing some hand-holding and letting your child know the right from wrong can prevent him from going astray and help him become an asset for the society.

It’s enviable that you work for Goldman Sachs and are able to afford a 6,000-feet Mac Mansion, give your boy a gleaming BMW as soon as he got his license and throw in a iPhone G4 by the way. But are you there when he has a math problem, was hurt in a football game, or got in a fight with some bully at school?  A random stranger can provide your children with some kind of room and board, but only you the parent can give them the support and guidance that they sorely need for life.

We’ve seen this scene too often on television: A young person had got in trouble with the law and his mother weeps in front of the camera: “…He was such a good boy…couldn’t have done this…” It makes me cringe whenever I see this. Hello! This is your child; you didn’t know he dropped out of school? All these years when he was doing drugs and involved with the gangs, where were you?

Fox Channel 5 in New York has the right idea starting its evening news broadcast with this question: “It’s ten PM; do you know where your children are?”  You don’t have to be your children’s best friend; just be around them more often; get to know them; and get them to know you, too. I am sure your work schedule is very demanding, and you have other obligations, too, so time for conversations is hard to come by, as you may say. But what’s more important than the well being of your own children? Kids do listen to their parents if they are there for them. You’ve just got to make yourself available.

How about starting with having dinners together regularly as a family?

Monday, February 7, 2011

Get Going on Your Tax Return Now

The winter of 2010/2011 is no doubt the harshest ever in most people’s memory. While January has barely ended, this nation is still withering under the relentless attacks from record-breaking snowfall and ice storms, so it’s no surprise that filing for tax return is not on top of many’s to-so list. But this one of two sure things in a person’s life will show no mercy because of bad weather; and the dreaded deadline in mid-April is indeed fast approaching.

As if to show the government is at work, the IRS never stopping cooking up something new. And this year is no different. Fortunately these days there are plenty of tools and options for everyone, whether you are a do-it-yourselfer or don’t know how to spell “tax”. However you decide to prepare your return, these few pointers might help serve as reminders:

1. The forms are not in the mail. That’s right, you will not find that hefty instruction book, Publication 17, in your mailbox anymore. From this year on, the IRS has stopped sending out to tax payers their paper tax packages. The rapidly increasing use of electronic tax filing has all but eliminated the need for paper forms. And in this trying time when everyone is doing belt-tightening, this cost-cutting move makes sense. Besides, imagine how much natural resources will be saved by skipping the papers. So let’s go green! However if you still insist on doing your returns by hand, try your luck at your local IRS offices, post offices and libraries. Or you can download the forms at www.irs.gov.

2. Take advantage of free filing online. Who doesn’t like a free lunch? And you can actually get something close to it with Uncle Sam this time around. If your taxes are relatively simple and adjusted gross income is no more than $58,000, there is a Free File program for you at www.irs.gov/freefile. It links you to certain for-profit outlets (e.g. TurboTax) that will let you use a stripped-down version of their software to prepare and electronically file your federal returns at no cost. You may also take advantage of the Free File Fillable Forms on the IRS website, regardless of income, by choosing the appropriate form and fill them out right there and file online. Obviously the free stuff can only do simple calculations and provide basic help for you. For folks with higher income and more complex tax implication, you may want to step up your game and see what ‘s on the market.

3. Use commercially available tax-prep software. Various venders have been selling tax software for many years. Among the ones with the long history are TurboTax and H&R Block At Home (formerly TaxCut). There is also a new kid on block – TaxAct. While TurboTax enjoys the highest profile perhaps due to its relentless advertisement campaigns during tax time, all three works virtually the same way: Start with an interview, which collects relevant tax data from a potential filer; appropriate forms will then be chosen and filled out; upon previewed and approved by the filer, the return can be e-filed or printed out for the post office. Certain versions of these softwares allow you to import previous year’s data, even if you had used a competitor’s product. They have proven to be reasonably easy, reliable and cost-efficient. With decent accuracy guaranty and audit assistance, hence peace of mind, no wonder this form of tax filing is gaining popularity steadily over the years.

4. Choose a tax professional wisely. More than half of Americans still pay someone to do their taxes, with somewhat mixed results. One of reasons is the varying levels of training, from board-certified professionals, such as CPA’s to enrolled agents like the seasonal employees at H&R Block. Fees charged is another concern. You might have to pay a CPA upward of $300 for an itemized return while someone on the Craig’s List advertises a cut-rate $99. All factors being considered, look for an experienced professional with clients similar to you in terms of tax and economical situations. Also bear in mind that true professionals such as CPAs and reputable enrolled agents, once hired, usually represent you before the IRS in all matters, including audits, collections and appeals. Avoid tax preparers who base their fees on the amount of your refund, and run if someone asks you to sign a blank form.

5. Get moving now! Remember that whether you do it yourself or go to a professional, you are responsible for all the information on your return, which mean every single piece of document that is relevant. Some of them, such as the W-2 from your employer and 1099 from your savings bank or stockbroker, will be sent to you automatically, while some others, including the receipt for that brand new desk now sitting pretty in you home office or that gigantic tuition bill for your daughter’s med school, are totally your responsibility to put together. Looking for and getting all the needed documents in order require more time and efforts than you might think, and the filing deadline always approaches faster than most people want. There is no reason to procrastinate, especially when you, like most of us, are expecting to have an added bonus for early filing – a tax refund! 

For many, filing returns resembles going to the dentist: it’s not always pleasant and even painful sometimes, but a must-do. However, taking proper measures and giving yourself a head start can indeed make tax preparation a less taxing process.