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¿Le Conviene Declarar los Impuestos Electrónicamente?

Should You File Your Taxes Electronically?

by Anna Haug

Nearly 99 million people filed their taxes electronically. This supports a growing trend toward more people filing their taxes electronically, according to the Internal Revenue Service. Is e-filing for you?

There are several reasons to file electronically:

1. It saves time. Experts estimate preparation of manual returns takes 10 to 12 hours. Online preparation takes one to two hours.

2. You get your refund faster. Another way to get your refund faster is to set up direct deposit with your credit union. Ask your credit union how you can set up direct deposit.

3. It increases accuracy. Many Web sites and computer programs will catch and correct most errors.

Despite the advantages, you shouldn't e-file if:

1. You worry about online security. When you file online, your identification number such as your Social Security number or ITIN and your financial records for the past year must be saved in cyberspace. Although any reputable company should have a secure Web site, you shouldn't file online if it makes you uncomfortable.

2. You don't know very much about filing taxes. Although most programs provide help, they can't completely guide you. If you know nothing about taxes, seek the help of a tax professional. There may also be service providers helping people to file their taxes in Spanish. Visit with your credit union to see what partnerships they may have with tax preparer service providers in your community. Many times, they can file your taxes electronically for you, meaning that you will be able to receive your return as quickly as if you filed it electronically.

3. If you are applying for an Individual Taxpayer Identification Number (ITIN) you will need to attach a paper tax return to the application for the ITIN.

Other considerations 

There are costs associated with e-filing. Software costs around $25. And most online sites charge a filing fee. The good news is these fees usually aren't assessed until you file your return, so you can test each site to find which works best for you. But watch out for hidden fees. The best way to avoid them is to use a site run by a well-known company.

Free File is available to everyone whose adjusted gross income is $54,000 a year or less.  You might be one of 97 million taxpayers who quality for free e-filing, thanks to a partnership between the IRS (Internal Revenue Service. www.irs.gov) and some online tax-filing services.

While you may be excited that you may be receiving a refund, be wary of utilizing costly of Refund Anticipation Loans. With e-filing and IRS partnerships that help consumers e-file for free, U.S. taxpayers can receive their tax refunds within three weeks and as quickly as ten to fourteen days if they choose to receive their refund via direct-deposit.

Published 2-25-2013



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