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How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

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Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#271
post #257

Earlier quoted context omitted.

> I am very doubtful that Intuit or H&R Block, for example, invest in security sufficient to protect themselves against that level of attack. I can't speak to H&R Block, but I used to work for Intuit and I can attest that they took security very seriously. We were often subject to extreme security precautions despite the fact that the application I worked on didn't have any PII and the entire purpose of it was to mak…

Why would anyone build a data center to host tax software? This is almost the cononcial / text book example of when you would opt to host on a cloud provider.

The above mentioned security. The workload, which has two spikes in January and April, moderate traffic in between and is basically non-existent April through December is pretty much the poster child for cloud since you could spin down capacity in the 8 months where you don't see much traffic. This is why Intuit has publicly stated that they want to go all in on AWS. But, at least when I was there, the internal security teams were making it very difficult to get cloud deployments approved. I know they were working closely with Amazon engineers to fix/design solutions to the gating security concerns, but I have no idea how far they've gotten.

But when you look at the money involved, you can see why Intuit is moving so slowly and is willing to continue to spend on its own data center. $40m/yr may sound like a lot of money, but when your product pulls in $3b/yr, it's a rounding error. And the data centers aren't dedicated to TurboTax...Quickbooks and a few other products run there too. And I have to say that, for certain services, I think you get a lot of piece of mind from not sharing and having your own data center. Take, for example, Intuit's service for scraping data from financial institutions (FICDS). It powers Mint, Quickbooks and TurboTax and is required to store login credentials for people's banks, retirement accounts, brokerage accounts and such. Needless to say, the security of such a service is paramount and there's no way that I'd ever entrust my banking credentials to any service hosted in the cloud. You just can't get the same level of security you can get when you've got physical control over your hosting.

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#272

Earlier quoted context omitted.

Yes. I love paying taxes. Not because I like having less money in my bank account, but because I understand what paying taxes represents.

Me too, I intentionally don't undertake the tax saving procedures, let them take an extra $$ it will help in Nation building (hopefully).

Well, with the kind of budget that Military has, it could pretty much be called a nation; you're not invited, but thanks for the kindness though!

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#273

Earlier quoted context omitted.

You... love paying taxes?

I think people from countries with free education and health care are ok with taxes. Me included.

What country on earth has these 100% free things?

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#274
post #228

Earlier quoted context omitted.

So in other words, the free market has produced a pile of jobs that we don't really need? Lobbyists get paid money to get politicians to supply a deduction as a line item on some obscure form Politicians protecting an industry through action or inaction, no matter if its lobbyists or others suggesting that they do, isn't the free market.

Oh boy, I really want to hear how you think the "Free Market" solves this problem. Remember kids: If it's broken, apply Free Market liberally to the affected areas.

Uh..get rid of the government involved in all these tax laws. Obviously?

Are you suggesting complicated taxes isn't the government's fault?

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#275
post #159

Earlier quoted context omitted.

In the first paragraph, "Meanwhile, Massachusetts Sen. Elizabeth Warren proposed a bill yesterday to allow free government-prepped returns."

Note it says "free" and "government prepared". Setting aside that those are mutually exclusive concepts, that says nothing about simplifying taxes - it's just having the government do the complicated stuff instead of you (or your accountant).

At least the govt is ostensibly about the public good. Anyone else through self interest is suspect. Which gets back to the title of the original post here for this thread...

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#276

Earlier quoted context omitted.

Fair question and I dislike this sort of thing as much as anyone. And of course such an opening comment means there is a "but..." coming. What you're asking for is to criminalize certain petitions of government. So how do you choose whom to discriminate against such that they cannot petition their government in regards to law making without, at the same time, simply institutionalizing the viewpoints of the other side…

I think "only solution" is far too strong. It seems to me there are two sorts of lobbying: positive sum informing of legislators, and zero/negative sum jockeying for societal advantage. We want to keep the former and minimize the latter. So my proposal is: 1. Make all paid lobbying illegal. Make corporate donations to candidates, campaigns, and parties illegal. Eliminate revolving doors. Strongly limit individual don…

> Make all paid lobbying illegal.

Regulatory capture is a problem, but I think you'd have much worse problems regulating complex industries without talking to them.

For example, the FCC doesn't really exist to protect consumers from anyone, but to be the "traffic cop" protecting manufacturers and operators of radio equipment from each other. I have a hard time believing the FCC could make coherent rules and spectrum allocations without the affected parties being able to raise issues to it.

Ditto, for example, airlines and pilot unions being unable to raise concerns to the FAA.

Ideally, lobbying is a way to say:

"Hey! We do this thing you want to ban [guns | amateur radio | general aviation | take your pick], and here's why, and by the way, we vote."

"Hey! We have this serious problem in our industry, one of our peers is behaving badly, can we do something about this?" Net neutrality regulation, for example, comes from companies like Netflix advocating for their interests against companies like Comcast.

You can publish this on the web all you want, but Congressmen aren't going to read the whole internet every day. We need some kind of "push" mechanism to get issues in front of them.

Obviously there are many very serious failure modes, particularly when one side of an issue has a disproportionate budget compared to the other. But there are also important use-cases.

Lobbying is not so simple an evil. Lobbying backed by campaign contributions, on the other hand, is much more simply bribery.

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#277
post #159

Earlier quoted context omitted.

In the first paragraph, "Meanwhile, Massachusetts Sen. Elizabeth Warren proposed a bill yesterday to allow free government-prepped returns."

Note it says "free" and "government prepared". Setting aside that those are mutually exclusive concepts, that says nothing about simplifying taxes - it's just having the government do the complicated stuff instead of you (or your accountant).

At least the govt is ostensibly about the public good. Anyone else through self interest is suspect. Which gets back to the title of the original post here for this thread...

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#278

Earlier quoted context omitted.

This advice is probably not explicitly given by the IRS, but it is what any decent tax attorney will tell you. They got Al Capone not for his other crimes, but for tax evasion.

The IRS is totally explicit about this: "Income from illegal activities, such as money from dealing illegal drugs, must be included in your income on Form 1040, line 21, or on Schedule C or Schedule C-EZ (Form 1040) if from your self-employment activity." "If you receive a bribe, include it in your income." "You must include kickbacks, side commissions, push money, or similar payments you receive in your income on Fo…

That's fantastic. Especially the theft part.

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#279

Earlier quoted context omitted.

You... love paying taxes?

Yes. I love paying taxes. Not because I like having less money in my bank account, but because I understand what paying taxes represents.

Yes, funding a $600 billion military industrial complex [0]. Just think, your complete yearly taxes were probably almost enough for a single JDAM [1] which was then dropped on Iraq, in a war where 13% of all civilians were killed directly by US-led forces [2], and many more in the chaos that ensued from the invasion.

But you love it.

[0] - https://www.nationalpriorities.org/campaigns/military-spendi...

[1] - https://en.wikipedia.org/wiki/Joint_Direct_Attack_Munition

[2] - https://www.theguardian.com/news/datablog/2012/jan/03/iraq-b...

Re: How the Maker of TurboTax Fought Free, Simple Tax Filing (2013)

#280
post #160

Earlier quoted context omitted.

It's almost that simple in the US if your situation is that simple. What happens in NZ if you make $400 selling vintage cabbage patch dolls on eBay? What if you earned $1k in returns on your investment account? What if you are renting your place out on Airbnb? If all you have is a simple income in the US, then the 1040ez is a single page and you can file it for free online if you make under a certain amount. You can…

>if you make $400 selling vintage cabbage patch dolls on eBay? This hurts my head to think about. According to CNN, 20% of large corporations pay almost nothing in corporate taxes.[1] 1 - http://money.cnn.com/2016/04/13/pf/taxes/gao-corporate-taxes...

Just because you got money from eBay instead of a jobby-job doesn't not make it income. I think there's exceptions on this sort of stuff, though.
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