Ac553 You Decide

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663 you decide Y O U D E C I D E | | Activity | 1. John Smith tax issues: a. How is the $300,000 treated for purposes of federal tax income? The $300,000 will have to be treated as ordinary employment income, subject to federal and state income taxes. b. How is the $25,000 treated for purposes of federal tax income? The $25,000 will have to be treated as an expense. c. What is your determination regarding reducing the taxable amount of income for both (a) and (b) above? I have determined that you have to account for all qualified business expenses and only net income will be taxable. 2. Jane Smith tax issues: a. What are the different tax consequences between paying down the mortgage (debt) and assuming a new mortgage (debt) for federal income tax purposes? If the mortgage is paid off, you'll lose the mortgage deduction on your federal income taxes. That lowers your overall return from repaying the mortgage. If you sold your main home, you may be able to exclude up to $250,000 of gain ($500,000 for married taxpayers filing jointly) from your federal tax return. If you wish to purchase a larger home, please do your research on interest rates which are very low for buyers, but in today's housing market it is not good for sellers. b. Can John and Jane Smith utilize a 1031 tax exchange to buy a more expensive house using additional money from John's case? Property used primarily for personal use, like a primary residence or a second home or vacation home, does not qualify for like kind exchange treatment. (2) You cannot 
do a 1031 like-kind exchange on your personal residence. A 1031 exchange allows the deferral of capital gains taxes and recapture of depreciation. With the 1031 like-kind exchange you can sell a piece of property that is highly appreciated and roll over the gain into another piece of property. The second piece must be another piece

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