SMART MONEY: Married couple with no children should file jointly
DEAR BRUCE: If you are married, should you file together or separately? We have no children and have been married for one year.
Our combined income is $50,000. Our mortgage is $125,000, and we have no other debts. — G.P., via email
DEAR G.P.: This is a no-brainer. With your income and no children, I can see absolutely no reason for you guys to file separately.
You would just be paying more taxes for no reason.
I would file immediately for the next tax year as married and filing jointly.
DEAR BRUCE: A few years ago, when your broadcast was available in the Seattle area, I heard you mention your first radio job applications.
You applied something like 2,000 or 3,000 times, or some huge number, and somebody finally relented and gave you a chance.
Could you help me set the record straight and let me know exactly how many times you applied, and the method of application — phone calls or letters — and why they relented?
I find this remarkable and inspiring for anybody looking for a job today. — D.H., via email
DEAR D.H.: I remember very well what I had to do before I actually got anywhere.
That was with WMCA, a radio station in New York, in the late 1970s.
I called WMCA somewhere in the neighborhood of 3,000 times.
Two or three times a day, every single day. In addition, I sent them well over 500 letters over a four-year period. They told me I wore them down.
Some people said I would tick them off.
But I thought, how can I be any worse off than I am now? They weren’t hiring me or answering my letters.
All I can do is keep after them.
Fortunately, they gave me a shot at Sunday afternoons, which is the toilet in the radio business.
I managed to hang in there, and they offered me a full-time job not that many months later. In any event, that’s the story.
Send questions to firstname.lastname@example.org. Questions of general interest will be answered in future columns. Owing to the volume of mail, personal replies cannot be provided. The Bruce Williams Radio Show can now be heard 24/7 via iTunes and at www.taeradio.com.
It is also available at www.brucewilliams.com