It Pay$ To Know

 

December, 2006

 

Chicago Chapter

American Payroll Association

P. O. Box 836 – Chicago, IL  60690 – (773) 631-8480

www.chicagopayroll.com

 

 

Welcome &

2006 Recap

 

The Chapter Board would like to extend Season’s Greeting to everyone and a Happy New Year as we go into our busiest time of the year. 

2006 Chapter Recap

 

Reflecting on our 2006-year, we are reminded of our accomplishments, both professional and personal.  We have all grown in our professions and experienced new challenges that have increase our knowledge and renewed our commitments to the Chapter and its membership.  

 

The 2006 Spring CPP and FPC Review classes brought us 35 attendees who dedicated every other Saturday to attend presentations and review payroll material which prepared them to sit for the APA examinations or to re-certify their existing CPP / FPC status.  These individuals are sure to provide their employers with quality service.  We are thankful for the CPP and FPC instructors who generously volunteered their time and expertise to help provide quality training and educational support.

 

The Chapter held great membership meetings throughout the year and membership attendance was excellence.  Several newer topics included 941 and W-2 reconciliation and 401(k) vs. Roth IRAs. The evaluation surveys for these meetings indicated that they were a complete success. During these meeting, raffle tickets were sold for the “Split the Pot” a process where money raised is divided between a winner and their designated charity.  Several winners gave their 50% winnings to their charities, which is another sign of generously being influenced by the Chicago Chapter.

 

The Chapter was front and center while hosting the Illinois Statewide Conference. Again, we were fortunate to have volunteers willing to share their time and expertise to make it a success.  One of the highlights of Statewide was “Night at the Races” where attendees participated in a mock horseracing for prizes.  It was fabulous!  The speakers for the statewide workshops were on top of their game, providing attendees with up to date payroll information.  Our featured speakers added life experiences mixed with payroll acronyms to make for wonderful presentations.  They captured the audience with humor and sincerity.  The Statewide Conference was truly a success thanks to the dedication of the chapter board members and the support of the volunteers.

 

Another exciting event in 2006 was Congress held in Orlando Florida, May 21-25th.  Our own Mary Kay was able to attend the event and was quoted in saying “my mind and spirit were re-energized. Congress to me is like a homecoming and you are welcomed with bright grins and open arms. The knowledge is astounding and freely shared. I would recommend that everyone attend the phenomenal conference”.

 

This year, the board was disappointed to be loosing Greg Seemuth to retirement. Greg has been an outstanding, challenging chapter member since the beginning in 1987.  His retirement is taking him and his family to beautiful Arizona and he informed us that he hopes to work with the Phoenix Payroll Chapter once he gets settled.  Good luck Greg, and thanks again for all of the support you provided to the Chicago Chapter.

 

To close the 2006 year, we saved the best for last.  Our Holiday Party at the Wellington gave us the opportunity to let our hair down and enjoy good food, music, laughter and fun.  It gave us the time share stories of good fortune, discuss our families and perhaps discuss goals for the New Year.  Recipients of the “toys for tots” program benefited the “Off the Street Club” of Chicago. We were pleased to have some of the children present at the evening’s festivities. You could see the excitement in their eyes, as the holiday season seemed to excite them for things to come.  Personally, I reflect upon my blessings and I am thankful to have been allowed to be an associated with an award winning team such as the Chicago Chapter and I look forward to the road ahead in 2007.

 

Dennis Washington, CPP

Government Liaison

 

 

 

November Meeting

Year-End takes more than Luck!!

 

Our year end meeting was held at Allstate Insurance Co.  The topics for the meeting were Preparing for Year-end and Year-end Reconciliations presented by two individuals who are experts in these fields.  Martin Rule, CFP, CPA, CPP presented Preparing for Year-end covering topics such as the latest employment tax changes.  Kelli Gaskin, CPP presented reconciling tax payments to the 941 to the W2.   Maria Gajda, CPP and Izola Dawson won entrances to our Holiday Party.   We also sponsored Split the Pot with the winner being Josephine Caruso who donated her winnings to Y Me Breast Cancer.  Good Luck to everyone because it does take more than Luck to have a successful year-end!   

 

 

 

Recognition Dinner

 

 FPC/CPP Recognition Dinner & Holiday Benefit

 

The Chicago Chapter held its annual CPP/FPC Recognition Dinner and Holiday Benefit on November17th.  It was a wonderful evening.  The Wellington provided exceptional food from the appetizers to the desserts.  We presented CPP pins to Karen Keiper, CPP; Ojuana Johnson, CPP; and Michael O’Hart, CPP.   We recognized our FPC and CPP class instructors and the vendors who support us in 2006.    Vickie Majors, CPP President of the American Payroll Association was our keynote speaker. 

Congratulations to our special member recognition Karen Keiper, CPP; Janet Flynn, CPP; Allison Wienberg, CPP and Patricia Gaughan CPP.   Each one has helped to make Statewide and the chapter a success.  

Thanks to your generosity, The Off The Street Club received many, many donations for the December 24th Children’s event.    Thank you to everyone who donated a toy.   I’m sure there will be a lot of happy children who will have a Merry Christmas this year.

Once again we had many winners from the raffle drawing held at the end of the evening.  

To all we thank you for your dedication and support to the Chicago Chapter in 2006.  We wish you the best for a happy and successful 2007.

 

 

 

 

Survey Results

Two questions were asked in a recent mailing:

1.       How many W2s do you handled?  The average amount is between 1,000 to 3,000.

2.       Do you do them in house or outsource?  64% outsource and 36% in-house.

 

News about our Members

 

 

 

 

 

 

 

 

2007  Fast Wage Facts

Member News

Michele Kudela, CPP has a new job.  She is the Payroll Manager for RR Donnelly in Bannockburn, IL.   Congratulations Michele. 

 

 

2007 Fast Wage Facts….

 FEDERAL

Agency internet web sites:

--Internal Revenue Service: www.irs.gov

--Social Security Administration: www.ssa.gov

--U.S. Dept. of Labor: www.dol.gov

Minimum Wage: $5.15

Minimum Cash Wage: $2.13

(Tipped Employee)

Maximum Tip Credit: $3.02

Youth Sub-Minimum Wage: $4.25

 

FICA (Social Security)

Maximum Taxable Earnings: $97,500

(Up from $94,200 in 2006)

EE / ER Deduction: 6.2%

Maximum Deduction: $6,045.00

(Up from $5,840.40 in 2006)

Self-Employment Tax: 12.4%

 

FICA (Medicare)

Maximum Taxable Earnings: No Limit

EE / ER Deduction: 1.45%

Maximum Deduction: No Limit

Self-Employment Tax: 2.9%

 

FUTA (Employer-Paid)

Maximum Taxable Earnings: $7,000

Percent of Taxable Wages: 6.2%

Maximum Credit: 5.4%

Normal Net Tax: 0.8%

Supplemental Wage/Bonus Rate 25%

(flat rate withholding method)

State Income Tax

Wage Withholding: Wage %

Supplemental Wage/Bonus Rate: 3%

 

ILLINOIS

Agency internet web sites:

--Dept. of Revenue: www.revenue.state.il.us

--Dept. of Employment Security:

www.ides.state.il.us

--Dept. of Labor: www.state.il.us/agency/idol/

Minimum Wage: $6.50

Minimum Cash Wage: $3.90

Maximum Tip Credit: $2.60

Youth Sub-minimum Wage: Varies by age and hours worked

 

Unemployment Insurance

Max. 2005 Taxable Earnings: $10,500

(Increased from $9,800 in 2004)

Employee Deduction: None

Employer 2005 Tax Rates: 1.1 – 8.9%

Standard 2005 New Employer Rate: 4.2% (reduced from 2005)

Voluntary Contribution Permitted: No

 

The web address is: www.taxtalktoday.tv

 -----------------------------------------------------------------------------------------------

More Government Updates 

Pension Reform – 401(k),  403(b),  SEPs, 457 Plans and SIMPLE plans 

           

                                                                            2007           2006          Catch- up

401(k), 403(b), 457 SEPs   Deferral Limits     $15,500      $ 15,000         $5,000    

 

Simple Plans                      Deferral Limits     $10,000      $ 10,000         $ 2,500

 

 

2007 Annual Compensation under section 401(a):   $225,000.00                                   

2006 Standard Mileage Rates

WASHINGTON — The Internal Revenue Service today issued the 2006 optional standard mileage rates used to calculate the deductible costs of operating an automobile for business, charitable, medical or moving purposes.

Beginning Jan. 1, 2006, the standard mileage rates for the use of a car (including vans, pickups or panel trucks) will be:

  • 44.5 cents per mile for business miles driven;
  • 18 cents per mile driven for medical or moving purposes; and
  • 14 cents per mile driven in service of charitable organizations, other than activities related to Hurricane Katrina relief.

The new rate for business miles compares to a rate of 40.5 cents per mile for the first eight months of 2005. In September, the IRS made a special one-time adjustment for the last four months of 2005, raising the rate for business miles to 48.5 cents per mile in response to a sharp increase in gas prices, which topped $3 a gallon.  “The IRS took the extraordinary step of temporarily increasing the standard mileage rates in the aftermath of Hurricane Katrina,” IRS Commissioner Mark W. Everson said. “We promised to continue closely monitoring the situation. The 2006 mileage rates reflect that gas prices have dropped.”

The standard mileage rates for business, medical and moving purposes are based on an annual study of the fixed and variable costs of operating an automobile. Runzheimer International, an independent contractor, conducted the study for the IRS. 

IRS Releases 2006 Federal Income Tax Withholding Tables, Pub. 15 

The IRS has released the 2006 Circular E, Employer's Tax Guide (Pub. 15), which includes the federal wage-bracket (pp. 38-57) and percentage (pp. 36-37) method withholding tables effective for wages paid in 2006. The withholding allowance amounts by payroll period have changed for 2006. 

 

Also included in Circular E are the wage-bracket (pp. 60-65) and percentage (pp. 58-59) method tables for determining advance earned income credit (EIC) amounts. These tables are based on gross wages and do not require the deduction for withholding allowances. Advance EIC payments apply only to employees eligible for advance payments of the credit who have filed Form W-5, Earned Income Credit Advance Payment Certificate, with their employer. 

To download Circular E [Publication 15], as well as a table of withholding allowances for each payroll period provided by the APA [Allowance Table], go to:

http://www.payroll.org/i4a/pages/index.cfm?pageid=139.  

 

 

 

Government News

 

 

 

 

Qualified Transportation Fringe Benefit

For taxable years beginning in 2007, the monthly limitation regarding the aggregate fringe benefit exclusion amount for transportation in a commuter highway vehicle and any transit pass is $110. The monthly limitation regarding the fringe benefit exclusion amount for qualified parking is $215.

Standard Mileage Rate

For 2007, the standard mileage rate for the cost of operating your car, van, pickup, or panel truck is increased to 48.5 cents a mile for business miles driven.

Self-Employment Tax

The self-employment tax rate on net earnings remains the same for 2007. This rate, 15.3%, is a total of 12.4% for social security (old-age, survivors, and disability insurance) and 2.9% for Medicare (hospital insurance).

The maximum amount subject to the social security part for tax years beginning in 2007 has increased to $97,500 from $94,200 in 2006. All net earnings of at least $400 are subject to the Medicare part.

IR-2006-186, December 1, 2006

WASHINGTON — The Internal Revenue Service announced today new guidelines for taxpayers to follow to substantiate donations to charities that were made by payroll deductions.

"This makes it easier for businesses and individuals to support worthwhile charities without fear of losing the deduction," said IRS Commissioner Mark W. Everson.

Notice 2006-110 explains how a taxpayer who makes charitable contributions by payroll deductions can meet the new record-keeping requirements.  The taxpayer should retain a pay stub, Form W-2, or other document furnished by the employer that shows the total amount withheld for payment to charity, along with the pledge card that shows the name of the charity.

The recently enacted Pension Protection Act of 2006 changed the record-keeping requirements for taxpayers claiming deductions for cash contributions to charities, including contributions made by payroll deductions.  For calendar year taxpayers, the new rules apply to contributions made beginning in 2007.

For federal workers, the notice specifically provides that a pledge card with the name of a Combined Federal Campaign will meet the new requirements.

Form 1099-MISC

Form 1099-MISC, Miscellaneous Income, is most commonly used by third-party payers to report payments made in the course of a trade or business to others for services. Third-party payers should report the following on Form 1099-MISC:

 

  • Payments of $600 or more for services performed by persons not treated as employees, such as fees to subcontractors, attorneys or accountants
  • Rent payments of $600 or more
  • Prizes and awards of $600 or more that are not for services, such as TV show winnings
  • Royalty payments of $10 or more
  • Payments to certain crew members by operators of fishing boats
  • Sales of $5,000 or more of consumer products to a person for resale anywhere other than in a permanent retail establishment
  • Any payments from which federal income tax has been withheld under backup withholding rules

There are some exceptions. Form 1099-MISC is generally not required for payments: to a corporation; for merchandise, telephone, freight, storage and similar items; of rent to a real estate agent or a tax-exempt organization; to the United States, any individual state, the District of Columbia, a U.S. possession or a foreign government

Third-party payers must provide a copy of the form to the payee on or before Jan. 31 following the end of the tax year. For example, for services rendered during 2006, a payer must provide the form to its payee by Jan. 31, 2007. The payer must also file Forms 1099-MISC with the IRS by Feb. 28 (March 31, if filing electronically).

 

 

 

State Update

 

 Maine Revenue Services has enacted a change to their withholding rates effective January 1, 2007. Maine is eliminating the “Married with Two Incomes” withholding rate and instead provides that a married employee may elect withholding either at the Single or Married rates. As a result, the 2007 Maine Withholding Tables booklet does not include the “Married with Two Incomes” withholding tax schedules and tables, and Form W-4ME no longer provides for the “Married with Two Incomes” option. Maine Form W-4ME has been revised to reflect this change, as follows:

¨ Single

¨ Married

¨ Married, but withholding at higher Single Rate

The state of Maine is requiring that all employees who are currently withholding at the “Married with Two Incomes” rate submit a new Form W-4ME by January 1, 2007, at which time the employee must select a new withholding rate specified on the form. Employers must obtain a new Form W-4ME from all employees currently with the “Married with Two Incomes” option and update the payroll application in accordance with the new options after your last payroll of 2006 and before your first payroll of 2007. The agency has confirmed that if an employee does not provide a new W-4ME form for 2007, the employer must withhold at the Single rate with zero allowances until the employee submits the new 2007 form.

Below is a link to the Maine website with the revised W-4ME form:

http://www.maine.gov/revenue/forms/with/w4me.pdf

 

San Francisco’s Sick Leave

Effective February 5, 2007, San Francisco will be the first city in the country to require that employers provide paid sick leave for all employees who are employed within the city and county of San Francisco. Employees will accrue one hour of paid sick leave for every 30 hours worked, with a cap of 40 accrued hours for small businesses (fewer than 10 employees who work for compensation during a given week) and 72 accrued hours for larger businesses. Accrued paid sick leave carries over from year to year (calendar or fiscal year), but is limited to the caps. An employer is not required to pay a terminated employee for unused accrued paid sick leave [Proposition F].

   

 

 

2007 Dues

 

 

Annual Membership Dues

Membership fees for the 2007 calendar year are due by January 31, 2007.  It isn’t too early to get them in.   Dues for 2007 will be $40.00. 

Remember, your dues cover such items as postage, invitations, the website, telephone hotline for those tough questions, post office box, CPP and FPC pins, career development and networking with great people.

Please mail the completed attached form and your check, made payable to the Chicago Chapter APA, to the Chicago Chapter, PO Box 836, Chicago, IL 60690-0836.

A membership form is also available at our website: www.chicagopayroll.com

 

 

 

Charity Events

 

Save those Holiday Cards

What are you going to do with all the lovely holiday cards you received?   Don’t just throw them away.  Bring them to our first meeting of 2007.  We will gather all the cards and send them off to St Jude’s Research Hospital.   Let’s see how big of a bundle we can ship off.   

 

 

www.chicagopayroll.com

Our Website

For the most current information on the Chapter please visit the chapter’s web site at   www.chicagopayroll.com    

When reviewing the website be sure to check out the “In the News" section for detail information regarding IRS topics and news.   The IRS offers phone forums on various topics. Also, check out the Job Postings.   

 

 

 

 

 


 

Join Us
Membership Application

1. Complete all required information on this form

2. Print it out

3. $40.00 check payable to "Chicago Chapter, American Payroll Association"

4. Mail to:

Chicago Chapter, American Payroll Association
P.O. Box 836
Chicago, IL 60690-0836
(Please allow 5 days for mail delivery)

Questions?  (773) 631-8480
chicago_chapter_apa@hotmail.com



CHICAGO CHAPTER - AMERICAN PAYROLL ASSOCIATION
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P.O. Box 836
Chicago, IL 60690-0836
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