Form 540 Tax Table: Fill & Download for Free

You don't say whether your single, married or head or household, so I can't give you an exact number.There is no San Francisco income tax return for you to file, but since you're in California, you will have to file a California state income tax return, Form 540, with the Franchise Tax Board.The tax rate tables are here.2014 California Tax Rates and ExemptionsAlso, keep in mind that your 'taxable' income should be applied to these tables, not your gross salary.

I am a poker dealer in a casino.Many people view dealers with a certain admiration. Their card handling and actions of cutting a stack of chips (from countless hours of doing so), in the case of poker, the ability to pitch (deal) cards directly into the players hands. The ability to quickly discern the winning hand, even when the players don't see it immediately, and the list goes on.But, there are many, many things going on that you don't see.First, casino dealer pay is crap. Here in Ohio, minimum wage for tipped employees is $4.35/hr. Dealers, as they learn more games, begin to earn a little more with raises of anywhere from $0.15 - $0.25/hr. Woohoo!As a poker dealer, I didn't have the luxury of learning more games later, I had to hit the ground running knowing all forms of poker.My wage is $4.90/hr. The majority of casino workers are part time, around 85%. The casino industry worldwide gets rich off low wages and part-time help.While your dealer is administering your game he or she is performing many, many tasks.Calculating the pot is crucial. In poker, the house makes its money off the rake, this is a token fee the casino charges for me dealing your game. Unlike table games (blackjack, three-card poker, roulette, etc) in poker, you aren't playing against the house and therefore not giving your money directly to the casino. So it is essential for the dealer to keep track of pot size until the capped percentage of the rake is met, after that we quit counting (except in PLO, more on that in a bit).So, I'm keeping track of the pot size, now I need to watch where the action is. This is to keep the pace of the game moving along. Poker, by and large, is a boring game. That's why regular players bring earphones, tablets, etc. If the game runs too slow, players will ask for a different table or just leave. So I need to do all I can to keep the game moving.As part of keeping the game moving, I personally try to shave at least a second off of each hand, by gathering the chips into a neat pile so that I can shove the entire stack to the winner in one move. There are a few other tricks that might shave a second here and there. A second? Big deal. Well it is for us. That's one second per hand, multiply that by hundreds of hands per dealer per day. Time is money. The more hands per hour, the more tips per hour for me, and the more rake for the house.I'm listening to everything you say. It's my job to be aware of what goes on at my table. I need to prevent collusion, arguments, or actions which are against the rules. Most of the time, 99%, it's all just normal conversation. But sometimes the aforementioned items occur, as well as some TMI bombshells by people with no filter.I'm watching everything you do. I am backed by a surveillance network of cameras that see everything you do. That's why I'm baffled by people that attempt to cheat or steal inside a casino. We see you and in most cases know who you are.Now, take all the things I've mentioned so far, and realize that on a busy day I may not have gotten a break for many hours. Yet despite the pain in my back and the fact that my hands hurt, I have to remain focused and continue to perform at a high level. We're human, so sometimes we have better days than others.Now, to Pot Limit Omaha (PLO). This is one of the most challenging games for a poker dealer to deal. PLO isn't played everywhere, but my particular poker room has one of the highest concentrations of PLO east of the Mississippi.PLO is the only poker game where any player can ask how much is in the pot. And the dealer better know it.Here's how it works. In poker there are ‘blinds". These are blind mandatory bets that rotate around the table as the deal moves just to ensure there is money in the pot.So, we'll use 5 - 5 PLO as our example. $5 small blind, $5 big blind. The next player calls by putting in $5, as does the next. At this point, I've got both the small and big blinds at $5 each and two callers. But, the next player says, “pot" indicating he wants to make a pot-sized bet.If you paid attention you can see there are four bets at $5 totaling $20. However, that's not what the pot bet is. The calculation is this, three times the last bet ($5), so thats $15 plus the remaining other three $5 bets totaling $15, so the pot bet is $30.The next player calls $30. The next player says “pot". 3X$30, so $90+$30+$5+$5+$5=$135.Now, the next player says, “pot". 3X135, 405+90+30+5+5+5=540.Mind you this is just the first round of betting. I'm not going to belabor the math anymore, but you can see how taxing it can be, and the dealer has to know the total immediately.As you might imagine the dollar amounts of pots in PLO can be massive.It is not uncommon for me to push a $8,000 pot and the winner tips me… $1.00, yes one dollar.So, when visiting a casino, be aware that the casino workers are getting paid low wages but working hard for your tips. Help ’em out.

Realize that it may take you 6 months or more to change from a complete unorganized person to an organized person. Sometimes your entire house, personal life, work life is unorganized and step by step, over time you bring order to your life. Don’t lose hope. Spark joy by getting organized!And then once it gets organized, you need to maintain it forever. It’s best to have a 15 minute daily time, one that you don’t ever skip. Try to make being organized part of your personal brand. I know someone at work, she always wears a certain kind of dress. It’s part of her brand. Religiously become the most organized and let it be part of your brand/identity.Tip0: It’s wrong to prioritize to get things done vs. being on time and organizedTip1: Calculate your losses and see if the change is worth it…sometimes it’s not worth the effort. Most of the times it is. EDIT: very related: Sean Kernan's answer to How do you keep yourself motivated throughout the whole day?Tip2: Write down follow up steps and how to start—for anything you leave incomplete ie don’t leave anything in an unknown state.Tip3: All small diversions from your original plan will lead to huge diversions!Tip4: Avoid making indecisive decisions.Tip5: Kill long delays when leaving your house by planningTip6: Give dedicated time to people very close to you, so you can have dedicated time free from themTip7: Identify things which need cleanup/followup time and be prepared.Tip8: Have a calendar and write down places you need to be and small goals you have. And start with very loose daily plans. Some things require planning 6months ahead of time (passport renewal), other just require 2 hours. Identify what needs to be done weekly vs. dailyTip9: Have lots of labeled organizers/folder/drawers. If you have 5 drawer, then each drawer needs to have a label.Tip10: Wake up early and leave early!Tip11: Placement of your items are important. Avoid having space belonging to multiple people.Tip12: Don’t conform to the demands of those who restrict you organizing yourself (kids, parents, spouse)Tip13: Financial, physical and mental stability will increase the odds of you becoming more organizedTip14: Try to do one thing at a time. or batch things that can easily grouped.Tip15: Take notes for things out of the ordinary.Tip16: Use vertical space as much as possible.Tip17: Identify repeated loss times and places.Tip18: Compare organized people with yourself.Tip19: When shit happens, make adjustments.Tip20: Remove email, Facebook, WhatsApp clutterTip21: Aging, marriage, kids, more money, change in line of business and basically any sort of branching in your life requires more organization.Tip22: Emotions (happy or sad feelings) have a great effect on (time) organizationTip23: Others can assist, conform to your organizationTip24: Your organization will reduce stress on othersTip25: Have a light themed surrounding.Tip0: Getting this done vs. being on time and organized.I used to think I’m a doer, but honestly I was inevitably doing things at the last minute with heavy costs. It was just a fake excuse. I was adding stress to myself. I valued doing at the last minute higher than being organized. That stupid mindset needed to change. Once you change that you become organized and that organization and being punctual reduced stressed and helped me achieve my goals in a more potent and performant way.Tip1:Image from BaremetricsI usually take the train to work, but sometimes I miss it and have to take an Uber. Taking Uber 3 times a month would mean $45. Which translates to $540 money lost per year.I usually go to Costco to do my shopping since it’s more economical, but sometimes I’m forced to buy from smaller closer grocery stores because I didn’t plan ahead…losing ~$10 each time so that’s like 2 times a month totally $240.I leave the leftovers at the house and then I buy food at work. At best I throw the leftovers for the birds, worst I just let them rot and trash them. Not planning to make food at home and buying too much from outside. 8 times/month at work and 2 times/month (2ppl) for home. 12 * 10 = $120 + $30 (food wasted)Not planning ahead and then later rushing things by paying the express fee. e.g. not planning to fill your passport application form and then paying $60 extra for express or not filling the form correct and getting your passport with a typo! This just happened for me.Same with credit cards and not paying them ahead of time. Then calling the credit card company to cancel the late fee, interest. Not having a dedicated time for opening bills (of all kinds), envelopes will take a toll on you. In 2 months you’ll have a big pill of bills and just want to set them on fire. Nothing is worse than having lots of letters where you keep missing the due date.image from: When The Bills Are Piling UpLosing your headphone, charger, wallet, keychain, cash money, badge, ID, train monthly ticket and then go through all your pockets to find your headphone you left at top of your bookshelf or just completely lost. This year I’ve bought 2 headphones and 1 charger so far and forget to take my pass to the train. $100Parking at the wrong place and getting a ticket, or not fixing your car until a police stops you and gives you a ticket, or going through express line without a transponder and then later missing the on time payment and getting forced to pay $50 extra $150.Planning a trip last minute and then getting the worst deals for the worse prices. I remember I wanted to get an AirBnB place, but since we delayed we couldn’t find houses for $150 a night and all houses available where houses for +$250 a night. We canceled our trip.And the most important of all is people won’t see as an organized reliable person. You’ll lose their trust. Because you’re the person who always arrives late to parties, returns things with delay, forgets things he should bring, delivers things with less quality. Overtime you’ll think of yourself less and less and ask yourself “Why are others outperforming me?! Why can’t I be the person who’s first to arrive, first to delivery and has the best quality and be the outstanding one?!”So over 1 year I could be wasting:$540 Uber$240 shopping$150 restaurants$100 express services$100 late payments$150 car tickets$100 lost stuff$10000 increased stress, lower confidence, less trust ==> less productivity. You could truly save 3–4 hrs of pure work a week and put that to good use. I really think the $1400 loss isn’t important, rather the foolishness is what degrades you overtime.The purpose of this answer is to bolden what you are losing and increase your motivation to organize yourself. Money and confidence are great motivators, but perhaps the most of all is are something bigger, your happiness. My happiness stems from the happiness of my family, I recently had my 2nd child (my first is just 2 years old, so we have two crazy little kids). They just constantly push me and my wife to set the bar higher and spend more quality time with them.Tip2: Basically bookmark everything e.g. bookmark I read till this page, I wrote this much of my code and the next step is blah blah blah. I cleaned up room 1, next time I will clean up room 2. I bought stuff Walmart but I also have to Homes Depot tomorrow.Tip3: If you think you can watch 5 minutes of Youtube and you would only lose 5 minutes, you’re just fooling yourself. Instead of interruptions, have pre-allocated time for recess. No matter what you do, your surroundings will interrupt you. You would have to suddenly go shopping, your mother would just call you, suddenly get invited, someone gets sick, you get sick yourself…so never let add to the interruptions yourselfTip4: Say I have to either apply for my masters or apply for a job. It’s a tough decision, but I should always know if both are successful which one is it that I really want, and solely put all my effort, will, hope on to that. If I do them both then it means I haven’t prioritized. I know you should always have a planB, but it’s never good to execute both planB and planA at the same time. PlanB should be done when planA has failed.Tip5: Imagine you want to leave early in the morning and before you go to work you also want to go to the post office. Because you wanted to leave early, you have to do things without making any noise so your children won’t get awake. Well why didn’t you pack everything the night before? Why didn’t you check to see if your clothes was ironed before or if you had all the documents necessary for getting your driver license… You could easily run into 30 minutes of delay because of finding your socks, printing things in the last minute and trying to not making any noise and reducing your speed. A tangent tip would to take one bite a time, ie get ready in steps. Do something before sleeping, then do something just when you wake up then do something after breakfast and then do something before you leave. I normally find out that the best to time to organize things is 20 minutes after dis-organizing it. 20 minutes after you arrive home and have unpacked things, then organize your keys, clothes, backpack, food, stuff for tomorrow. In other words have a pre-defined time for reorganizingTip6: Your wife, your parents can demand more time from you than anyone else. Though they are rightfully demanding. They might want you to be available to them on-demand. That’s problematic!A solution is to be proactive and give them a time slot weekly/daily. This would take away haphazard interference. Long story short instead of your wife/son telling you can you do the dishes at 6? can you take care of the kids at 8? Can you go shopping at 10? You tell them I’m available at 5–6:30 but before and after that I’m not available! This way you no longer play catchup!Tip7: If you sleep at 10:00pm then never eat at 9:30pm. Why? Because eating itself my take 20 minutes. That only gives you 10 minutes to clean the table and the push the dishes in the dishwasher—along with everything else you may need to do. As a result you either have to sleep at 10:15 or just fall to sleep at 10:00 without having your table cleaned. Then in the morning you eat your breakfast and run to catch the train and since you already had dishes in the sink…you get lazy to do them all and also a little depressed that your kitchen is sooo dirty. Solution? Just identify similar reoccurring events and assess how much time you need for cleanup and plan ahead. Give yourself and extra 10% time. As a side note. Things like your laptop, your phone also need cleanup. Having a very disorganized folder will disorganize your train of thought. I know people who have folders for everything. At work there was this guy who had notes for all work guidelines. Then I asked him something else about jury duty and he was like let me open our employment agreement file and search. He did that in 10 seconds. For me it would be let me download it for 67th time in my downloads folder and then never deleting it nor moving it to a place dedicated to non-technical work stuff.Tip8: To avoid missing meetings or being late it’s great that every day you get an outlook of tomorrow’s plan. In the long run you need to have a concrete plan but if you’re extremely unorganized then I suggest that you start with having a loose plan. If you need 10 minutes for something then put in 30 minutes. If you need 2hrs for something then put in 3hrs. And as time goes and you get better at doing thing then shrink down the buffer time. A very good reason people stop writing plans is because they start big and perfect. They start with a monthly or weekly plan but then mess up and stop planning altogether. Additionally a person who doesn’t have things well under control, having a monthly plan will have to consider a lot of invariables. So it’s best to first get a day right then 2 days then 7 days in a row. Then when you’re at that stage start writing a weekly plan. Then when you get your weekly plan right then start writing your monthly plan.Additionally include all things like car registration, insurance, passport renewals, monthly payments and even birthdays in your yearly calendar. You always think since it 9 months away you’ll remember it. But every time you forget. Having a calendar will eventually reduce stress once you’re on track. But before that it’s a heavy burden. To reduce stress it’s always good to begin planning lightly…Additionally you need to identify things like checking your mailibox as a daily task. If you do it every 2 weeks then might get big batches of mails and later forget and this will just get worse over time.Tip9:TaxesMedical recordsInsurance claimsTitle and car related stuffPassport, birth certificates, translationsPassport PhotosSchool recordsCredit CardsWork documentsPersonal stuff. Like how much money I owe to dad. I lended to etc.Contracts (Leasing contract)Other peopleCommunity workReceiptsThen put these each in a separate folder. But just putting it in a folder isn’t enough. Each folder or drawer that contains your documents need to have a big visible label so you can see. Otherwise it would be confusing again. Then you need to have a specific place for new letters/documents that haven’t yet been categorized/opened.And then trash/shred documents the minute you don’t need them. Understand that the more dependents you have, the more you get older the more assets, history you have to manage. 8 years ago I was just by myself, now I have a medical history for myself and 3 other dependents. I need to adapt myself…Tip10:Leaving the house early means sleeping early. To do to this better, find your tomorrow’s clothes, food, items to put in the pack back and things you should do, so you know what to take. This will reduce time going to waste in the morning.Late night for most people is a bad time to be efficient and useful. People just binge watch or do nothing at the night. Yet for the same amount of hours in the morning you have more zeal to do something important since the brain is fresh again. That being said, try to leave the house early.Waking up early will also give you more time to prepare before leaving for work and meditation/praying. Don’t let the night guy screw the morning guy!Tip11:Your most accessible closet should have be for things you use on a daily basis. Your least accessible place to put stuff like under your bed should be used for things you use every 6 months e.g. I place my shoes in the closet near our apartment’s door and place our winter clothes inside a luggage under the bed. Now imagine if I placed my daily shoes under my bed and my empty luggage at the most accessible drawer and at summer I keep winter clothes in my most accessible closet where it occupies space. I’d be very stupid to do that.Additionally if you have 4 closets in your home, then try to have a closet that belongs to you and only only. Don’t have a closet where it has your clothes and your wife clothes and some tools and some other stuff. It will always get messierTip12:If you need to do oil check, sort out some bills, fix your house, or even go out for a walk but have a person (parent, child, spouse, sibling) around you which is very demanding ie that person will say do it later (usually mentions a terrible time) then don’t try to please this person. Just do what you need to do and just tell them if I didn’t do such then the car would break, or we would get penalized for the bills, etc. Kids can also be terrible and messing up with your plan. If you’re ever around them then be with them. If you still have work to do then don’t be around. They don’t understand or think that you don’t like them. The end result is extra impatience in your lovely child.Tip13:A person who’s constantly catching up with his credit card expenses will find it hard to stay organized. He’s always borrowing money and then paying after his paycheck arrives ie he has to devote extra time to stay financially afloat. It’s just better to deal with it once e.g. not use a credit card and get things balanced or have monthly meetings with family members about their finances. Similarly a person who is constantly sick or is generally weak will find himself more often visiting the doctor. Reducing his time to be more activeTip14:If you’re resting, then close your laptop. Why?Because if you keep it open then you might get notifications you need to respond. If you’re working then put your phone away because you might see a message that would distract you off of work.Yes you can always mix things. But the more you mix the more you’re distracted and would have to leave things in an incomplete and possibly undefined state. Don’t speak to your parents and then also check your email. You’ll get your parents offended and miss checking emails. Yet you can walk/drive while you speak over the phone. Still don’t go out with your wife and kids but then also take work with you. Watching TV and ironing your clothes is good if your the only person in the house otherwise you could end up with a big hole in your carpet. True story! My son…Tip15:Don’t take notes for where to go shopping. But be sure to take notes on how to file your taxes. Every year you do it but imagine if every year you were reading the same instructions and figuring it out all over, or if one year you forgot to file something related to your insurance and got a extra form. Document what you had to go through so you won’t have to spend time resolving the same old issue.Tip16:Spend money on organizers. In the long run it will save you a ton. Just remember to use good labeling. Don’t just stack 5 feet of stuff on each other in your closet. Spend money and buy a good user/new shelve and put stuff in it. Then label each shelf.Tip17:If you waste a lot of time at home, then identify that as a place where you lose time! If you waste a lot of time in the morning changing diapers and preparing breakfast for kids then don’t rely on that time or make sure get everything done before that. Also note if you wake up at 6 and kids wake up at 7 then your 6–7 time is almost useless. Why? Because 6–6:15 is just to change your clothes, go to the bathroom check internet/email and meditate/pray. 6:15 - 6:30 is other stuff. Then you just have 30 minutes left and you realize you can’t get any work done so you just go and browse Youtube! You stupidly reduce your output!I recommend that you perhaps try to wake up at 5:00am and plan to have breakfast at the same time your kids have it. That way you have 90 minutes to do something rather than ‘guaranteed to not complete something in 30 minutes’. Long story short a single one hour window is a terrible idea for making progress. Note that three consecutive 1 hours will work. But one single hour is too little and can be easily set off course.Tip18:Find a real life example of an organized person around you. When I compared myself with an organized person I realized these people had:A clean and organized desk. Only things that can be used on a daily basis were on the disk. All other inventory/reference-ish items were at another place.A clean and organized backpack. Every zip was for a certain thing.They’re on time. They just plan ahead.They are well dressed. Hair is combed.Their phones are charged. They don’t say oh sorry I lost power, because I was too dumb to power it. Unless well they’re travelingAnd most of all they are dependable. They say no when they can’t. And when they say yes, then you know you can count on themTip19:If your car is totaled and you need to buy a new car, then don’t spend time on your scheduled hangout with your friends. Break your routine and do what’s more important. Sticking to the schedule when you shouldn’t will get to you.Tip20:Sometimes clutter is extra stuff at your desk. Other times it’s the extra digital clutter. Make your email inbox a very focused inbox. Unsubscribe from everything you don’t need. Mark them as spam if needed.Make your WhatsApp/Facebook/Snapchat very focused. You don’t need to be in 50 groups. You don’t need more than 7–8 groups across all platforms.Tip21:As you age, you will have more documents, more books, more medical documents, hence you need to either get rid of stuff or add more room. Every year you buy new clothes, you either have to get rid of the old or add more room. Same with having kids. If you before you were a truck driver and how have became a chef then before you had a folder for truck driver license, etc, you had tools for your truck. Now you will have books for cooking and kitchen equipment at your home so you can practice more. Then if 4 years later you moved into another line of business then more things. If you used to play soccer, and now are into basketball then your cleats are not longer of any use to you while you need to buy shoes and different kind of clothing, etc. If your level of income increases, then by nature you’ll start to buy more stuff, so again you either need a bigger house or more organization or need to get rid of things. By needing more organization, I simply mean more bookshelves, folders, organizers. Without them it would just be more and more clutter.Tip22:According to a study of University of Rochester in the US. People procrastinate more often when they’re sad. I suppose people forget about their organization when they’re sad. A solution is:be able to tolerate uncomfortable thoughts and feelings, staying in the present moment in spite of them, and prioritising choices and actions that help you get closer to what you most value in life.…The next time you’re tempted to procrastinate, “make your focus as simple as ‘What’s the next action – a simple next step – I would take on this task if I were to get started on it now?’”Tip25: Have a light themed surrounding.I recently had to change desks for a reason and I placed a milky white fabric on my desk. It made a whole lot of difference in terms of making me feel calm. My previous desk was my kids’ and it was red.I didn’t realize how it was subconsciously affecting me