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January 14, 2021

Dear Clients:

The Coronavirus Relief Bill of $900 billion was signed into law by the President on Sunday, December 27, 2020, and lawmakers made updates to it on December 31, 2020.  It includes updates to Familie First Coronavirus Act, CARES Act and the Paycheck Protection Program.  The income tax season will open on January 28, 2021 and the e-filing will be back up at that time.  The IRS is ready except for getting the final law updates programmed into their computers and sent to our software providers:

Please register for your telephone annual client meeting (recommended before the busy income tax season gets underway) or use the scheduler at at to get your annual income tax season initial appointment and income tax organizer:

Client Annual Update Meeting
Date: Friday, January 29, 2021
Cost: FREE
Client annual information meeting

Client Annual Update Meeting
Date: Friday, January 29, 2021
Cost: FREE
Introduction to Services and Tools of a Remote Business Service

Client Annual Update Meeting
Date: Friday, January 29, 2021
Cost: FREE
annual information meeting

Client Annual Update Meeting
Date: Friday, January 29, 2021
Cost: FREE
annual information meeting

Client Annual Update Meeting
Date: January 30, 2021
Cost: FREE
Tax Season Preview for Clients

Client Annual Update Meeting
Date: Saturday, January 30, 2021
Cost: FREE
Tax Season Preview for Clients

Client Annual Update Meeting
Date: Saturday, January 30, 2021
Cost: FREE
Tax Season Preview for Clients

Jeanine is booking private appointments with current clients to go over their annual income tax interview as of the January 28 opening date.  Tax appointments are required in order to get your tax organizers and go over information about the current tax season.  Current RBSI clients have priority for appointments for income tax preparation through February 28, 2021; after that it is first come first served.  Please allow 10 business days for your interview, uploads, and preparation before your review is uploaded with e-file signature documents. 

Generally the Palisades Office clients are scheduled from 6a to 10a MT, Finer Points Office Clients from 11a to 5p MT, and RBSI clients from 6p to 8p  MT but you may take any opening availabale on the scheduler.  Full-service (accounting, payroll/contractors, tax compliance) clients should e-mail me anytime they have a question or need help.

Please make sure that you are signed up for the Newsletter e-mail list at and a client account on our secure file exchange .  Communications are generally via e-mail, and documents are exchanged via the secure client portal.

My IRS Taxprofessional Committees has provided the following for you:

  1. All taxpayers now eligible for Identity Protection PINs   (

This is the first year that taxpayers are able to “request” (Opt-In) an IP PIN. In order to get an IP PIN you need to use the online Get an IP PIN tool. You can claim an IP PIN for you, your spouse and dependents on your federal income tax return. Keep in mind, if you IRS has confirmed you as an identity theft victim, IRS will send you an IP PIN every year, With the Opt-In Program, you must request a new IP PIN, to use on your federal income tax return, each year with the Get an IP PIN tool. IRS will not mail to you annually.  

  1. Get An Identity Protection PIN (IP PIN) (  

In addition to English, you can get this information in seven other languages (Spanish, Simplified Chinese, Chinese Traditional, Korean, Russian, Vietnamese and Haitian – Creole. Just select the language you want.

A continued reminder from our Payroll Department:

There will be some new items and tools on the website within the next few days:

--An additional new newsletter called RBSI Tax Journal;

--Tax Tips;

--Covid Banner;

--Tax Videos

--Schedule a Call (in addition to Appointments page buttons to Time Trade calendar openings);

--Other Resources.

if not already in our system.  Also, please consider recommending my business and/or me personally on the website itself at and on our social media sites at:


It is your recommendations that help us find more suitable clients, and enable us to keep costs as reasonable as possible for existing clients.

Clients located in or near our Westminster, CO corporate office and other local locations, please note:

Please let me know if there are any other local/state links you would like me to post for this publication and I will make it happen.

A note from the IRS:

You may go to to check on the status of your second stimulus payment for 2021 if eligible.  Those who are on direct deposit may have their second payment ($600 individuals, $1,200 couples -- income limits and phaseouts apply) in their bank accounts as early as January 4, 2021.  Possible increases in stimulus payments has passed the House but not the Senate, so don't count on more as of right now.

Updates on the implementation of the TCJA can be found on the Tax Reform page of  In the third of a series of reminders to help individuals get ready for the

upcoming tax filing season, the IRS outlines steps your clients can take now to

make tax filing easier in 2021.  The IRS released the 2020 Form 1040.

All clients should have their full-service 2021 contracts, 2020/2021 contracts, and income tax only clients should have signed and returned their signature pages by January 28, 2021.  Anyone needing an entity change or assistance filing annual reports with state secretary of state offices or the federal government should contact Jeanine via e-mail at right away.  Also, clients should have their bank accounts reconciled through the end of December before their tax interviews.  Estimated tax payments for 2020 should be submitted to the governmental entities by the final 4th quater due dates.  I will be working out of two tax offices as well as the remote office at least this February through April, and possibly later if the income tax due dates are extended.  There are a limited number of openings for RBSI client income tax preparation.  Full-service monthly clients have first priority all season and income tax only clients have priority from January 28 through February 28.

Calvin and Jeanine are on vacation until January 28, 2021 but are returning urgent messages.  Full service (accounting, payroll &/or contractors, tax compliance) clients will continue to be serviced even while we are gone.  Income tax only clients will not be serviced again until the 28th.  Emergency and urgent messages will be answered by Jeanine or an accountant designated by Jeanine with instructions for client immediate action where needed.

Jeanine will be in all-day tax update conferences on January 27, and 28, with annual client meeting openings available on January 29 and January 30 to launch the 2021 income tax season.  Please note:

Tax Season Begins February 12
Tax Year 2020 Individual Returns
You can start transmitting returns to Drake once you've installed the January release. The IRS will begin accepting and processing returns Friday, February 12, 2021. Returns sent to Drake before this date are being held in a queue and will be transmitted to the IRS as soon as the IRS is ready to process.
When the IRS starts processing returns, acknowledgments may be unpredictable due to the high volume of returns being processed.

Jeanine will generally be engaged with the FL Palisades office from 6a to 11a  and the CO Finer Points 11a to 6p mountain times from Tuesdays through Saturdays.  RBSI clients should schedule their meetings for my virtual tax office on the Appointments page of the website or on the link.  Email me at if you need assistance scheduling or have an urgent question.  I will call you back at the phone number or e-mail you leave in your message.


I am accepting new full-service monthly clients for accounting, payroll and/or contractors management, and tax compliance.  New income tax only will generally be referred to Palisades or Finer Points.  Your referrals are much appreciated and there are reward credits for referrals after the new client pays their first bill.  A 15-minute phone call to clarify client information is required.  Please refer any small to medium businesses to me who would be interested in set-up and/or management of QuickBooks Online Accounting packages.  Otherwise, I am not accepting any new income tax only clients at the RBSI remote office as I am contracted out with the Palisades office and the Finer Points office for income tax preparation/review only clients going forward.

There will be some accounting and finance classes for interested clients available in the spring, summer, and fall, provided there is at least 3 participants available per offering.  Generally the in-person classess max out at 10 participants and the online classes have no present limits.  Classes are offered at or below costs.  Costs include room or platform rental, materials fees, and instructor fees.  Registrations and fees must be received by one week prior to a class to confirm that it will go and to pay for the fixed costs.

Most 2020 and some of the 2021 engagement agreements have been confirmed by now, with many taking advantage of early pricing cheaper options for continued client services.  Priority for income tax preparation and review will go to:

1) Palisades office clients;

2) Finer Points office clients;

3) RBSI office clients with their administrative items and payments up to date. 

Others will be placed in a first come, first serve status as a practicality.  

All clients should have an account with our secure file exchange and with the e-news services, so that you get the messages with updates that I send out to clients.  The 2021 income tax season news will be available and continually updated at  so please check back every week to get tax season updates.


Colorado employers must register for their Colorado income tax withholding licenses at and their Colorado unemployment tax licenses at as soon as possible.  Other states/localities may be applied for on their websites.  I will be glad to assist with the requirements for Michigan, Florida, Pennsylvania, and other states that we and I service as well.  Get payroll assistance by hiring us at Intuit PayCycle or QuickBooks Remote Payroll, or another reputable payroll provider, unless you are already engaged with a payroll professional.  Remember that many of our payroll clients have been upgraded to a better service plan that includes insurance for penalty protection that you did not have before.  You do not want to miss the important required tax deposit and return filing deadlines required by law.  Do not confuse income tax compliance with employer employment tax compliance related to your employees or any other taxes that your business and you as individuals are liable for complying with. 

Taxpayers should use Where's My Refund? on to track their refund status and Get Transcript, both common requests.  Each state/local department of revenue, such as for Colorado, also has a tool on its website for tracking tax refunds.  Please google your state/local department of revenue to access the link appropriate for your state/local refund.  Interest on individual 2020 refunds reflected on returns filed by March 15, 2021, April 15, 2021, or May 15, 2021, depending on type of return filed, these due dates until the date of the refund.  Interest payments may be received separately from the refund.

Please see the IRS updates at, COVID-19 updates at, blog articles at, events information at, and newsletters at    There is a new draft of the Form 1040 for 2020 tax year.  All amended 1040 returns where the originals were e-filed with a balance due for 2020 and later can now be e-filed.  Others should be mailed with the payment to the address listed in the Form 1040-X instructions.  If you failed to pay on time (See, you should pay as quickly as possible, pay when you receive your bill for the shortage, or request a payment plan (requires a fee).  Payments are generally required electronically for corporations and electronically or by mail for other entities and individuals.

Professional taxpayer representation by a federally licensed Enrolled Agent (EA), state licensed Certified Public Accountant (CPA), or a state licensed attorney (Esq.) is advised for taxpayers involved in IRS or state/local tax proceedings.  Fees generally include a retainer at least $10,000 with hourly rates between $500 and $1,000 depepndng on the provider.  Please note that not all CPAs and attorneys actually practice tax law and/or taxpayer representation, so if you are not utilizing the services of EAs who exclusively work in tax law and taxpayer representation, you should investigate to make sure that you are hiring a licensed professional specialized in these areas.  There are additional fees for the professional assistance and for applying for the resolutions; taxpayer representation is NOT included in tax preparation services whether for income taxes, employment taxes, or other taxes.  Taxpayers must have ALL of their income tax returns filed (IRS filed returns do not count as taxpayer filed returns) and/or employer payroll tax returns filed in order to apply for an offer in compromise (OIC).

The IRS is working on a solution to accept digital signatures on Forms 8821 and 2848 by early 2021. See Taxpayer First ActSmall Business and Self-Employed Tax Center, 20 language, final 2020-12. 

Regardless of whether individuals are eligible for itemized deductions or standard deductions, they may deduct qualified contributions of up to 100 percent of their adjusted gross income in 2020, while a corporation may deduct qualified contributions of up to 25 percent of its taxable income. Contributions that exceed that amount can carry over to the next tax year. For 2020, a special rule is also in effect allowing enhanced deductions by businesses for contributions of food inventory for the care of the ill, needy or infants.

The IRS still reminds taxpayers that using the IRS Tax Withholding Estimator to do a Paycheck Checkup that can help them have the right amount of tax withheld and avoid surprises when filing next year.  Because income taxes are pay-as-you-go, taxpayers are required by law to pay most of their tax as income is received.

Employers must withhold employee income  taxes, social security taxes, and medicare taxes due.  These are the "trust funds" that must be deposited with the governmental authorities by the due dates, along with the employer taxes due.  Employers owe taxes for social security, medicare, federal unemployment tax, state undemployment tax (credit available for those who pay on time and in full), and workers' compensation insurance tax.  Employer payroll tax returns are due quarterly and annually.  Employers generally do not withhold taxes for contractors/venders who work for them but sometimes are required to make backup withholding for failure of these workers to supply taxpayer identification numbers (EINs or SSNs) or governmental or court orders.  Employers send Form W2 out to employees by a month following the close of the tax year.  They send a new Form 1099-NEC, Nonemployee Compensation (previously Form 1099-MISC, Line 7) for business taxpayers who pay or receive nonemployee compensation.

The IRS released a revised Form 941Employer’s Quarterly Federal Tax Return, and its instructions to be used beginning with the second quarter of 2020 (due July 31, 2020) and containing updates to accommodate reporting of COVID-19-related employment tax credits and other relief.  

IRS reminds businesses filing cash transaction reports about e-file option; batch filing now available.  See also: Reporting cash transactions helps government combat criminal activities.

The IRS sends Letter 2800C, also called a “lock-in” letter, (see Withholding Compliance Q&As and view the Lock-In Letter Video) to instruct employers to follow a specific federal income tax withholding arrangement for an employee who doesn’t have enough income taxes withheld from their wages. The employee has 60 days from the date of the letter to discuss the determination with the IRS before the withholding arrangement takes effect. Starting 60 days after the date of the letter, the withholding rate in Letter 2800C is locked in and the employer must begin withholding from the employee at that new rate.  


We no longer accept paper documents for tax preparation or any financial project.  We are a 100% remote and paperless business.  Due to excessive fraudulent activities expedited by the Covid-19 pandemic, we recommend that clients avoid utilizing the mail system for deliveries to or from their locations.  If, however you do choose to use the mail delivery system, please obtain a post mail box at a UPS office or similar reputable business, OR a USPS post office box -- IF you do not have a locked mailbox on your premises.  We have had a few cases of client documents stolen from their mail boxes during 2020.  We cannot take the risk of fraudsters taking your items that could contain tax identification numbers, bank account numbers, and/or other proprietary information from you.                      

The Billing Department will program your invoices to be e-mailed to you with the default billing option or an alternative that you may have selected.  Final 2020 pricing (all offers expire includes any eligible discounts from Jeanine or the vendors/contractors that she was able to negotiate on your company's, entity's, or family's behalf.  If you miss a cheaper pricing option due date, then you will need to pay with a more expensive offer or the full pricing option.  There are late fees assessed by the Intuit QuickBooks Billing Department for fees later than 15 days past the original due date.  There are no exceptions as neither Jeanine nor the company can afford to finance clients who do not take advantage of special offers or who cannot follow instructions. 

Please note that your payment processing is free of charge if you use the direct pay (enter routing number and account number on the direct pay tab) when you enter "pay now" after you have reviewed your invoice(s) in the "view now" mode of your invoice(s).  The next best method is to pay a small financing fee ($2.50 to $3.50 per transaction) when you use your debit/credit card to pay your invoice(s).  Both the direct pay and the card pay options provide direct credit to your invoices upon payment.  We generally do NOT accept checks but when they are needed for payment as a $10 processing expense must be added to the underlying charges.  This covers the up to four weeks between the banking system and forwarding to the Billing Department, and manually applying your check payment to your invoice(s) that happens with paper processing through the old banking system operations.  We therefore discourage payment by check.

You should pay the full amount of your invoice(s) but if you must you can make partial payments until an invoice is paid in full.  Avoid overpaying an invoice since that causes the automated billing system from the Billing Department to send your payments to the Suspense Area.  Amounts in Suspense must be researched for which client it belongs to and workers must manually apply the correct amount(s) from it to the earliest open invoice.  Payments may not be applied by the due date(s) and clients may receive late fees.  This means that you should make a point of paying invoices at or partially, but never more than a billed amount.    


Please consider our QuickBooks Online products and services.  You may get a multi-service discount if Jeanine and her network of vendors and contractors work with you.  I am now recommending that all current clients utilize the QuickBooks Online Accounting systems or QuickBooks cloud solutions for desk top products.  Owners and managers must be financially literate enough to communicate with their accountants and other financial advisors, even if they are not managing their own accounting systems.  



Please remember that if any of the virtual office functions are not working, or you need personal assistance otherwise, that you may contact me Jeanine at 303-900-7265 (voicemail), 616-430-5231 (cell), or (e-mail).  I offer a once-a-month Saturday virtual (free of charge) instruction session at e-mail Jeanine at if there are no current openings for your technology introduction, so we can customize a time to go over what you need.  Registrations needed so that I may arrange to call, zoom, skype, go to meeting, or otherwise meet with you depending on the number of participants registered.  Please sign up if you need help with the technology or tools for clients at Remote Business Solutions, Inc.     

Jeanine teaches additional business clients for owners and their employees with a minimum registration of three and maximum registration of six.  They can be face-to-face as in the past at a rented facility, or they may now be arranged to be remote.  You may arrange your own private group or individual classes.  New class openings are generally offered in the spring, summer, and fall each year.  Click on the classes and meetings part of the website to see what is currently available at or below costs to the clients.  You may alternatively request a customized class with pricing. 

Please register and pay for new classes early or by one week prior to the posted start date of any desired class to make sure the class runs.  If no one or less than three registrants are enrolled after one week before the start date, then the class will likely be cancelled.  Click on the links to get information and register.  Final details and instrructions will be emailed ONLY TO REGISTRANTS.  These one day training sessions for clients will be continued in the spring of 2021.

Please sign up for my e-news e-mail service if not already on the mailing list at as this is how I alert clients to monthly Newsletters, monthly Announcements, Covid-19 Updates, IRS alerts, and any other special alerts.  

C-Corporations and self-employed (proprietors, partners, LLC members) should remember to pay their quarterly estimated income tax payments based on their net income each quarter.  Employers are liable for payroll tax deposits (and employer tax returns) including the trust fund taxes (employee withholdings) and their own employer liabilities.  Many businesses owe sales & use taxes, tariffs, personal property taxes, and other taxes.  Consult with your accountant if you do not know what taxes you owe or if you are confused as to what taxes you owe for any tax year.  Do NOT wait to see what happens as that could result in expensive penalties and interest assessed for you or your business. 

Understanding the tax responsibilities when starting a new business can save taxpayers money and help set them up for success. has the resources and answers to help people through the process of starting a new business.  Finding resources for choosing a business structure, tax year and applying for an EIN can easily be found on  If clients choose not to obtain our help or engage us in the calculation or instruction for paying estimated tax payments, then we are NOT liable for not advising you.  The taxpayers are ALWAYS liable for paying required estimated (or withheld) taxes due, and must request help or assume the full resonsibility of knowing how to be in compliance if they do not hire professional assistance in fulfilling their compliance obligations.  

There is a great article on completing the new Form 1099-NEC for your contractors.  See to view it.

Do stay safe and healthy.  I will see you back remotely on January 28th.


Stay safe and healthy everyone!

Sincerely yours,


Jeanine Buben (Buben-Croy), MT, EA

Senior Tax Analyst and Enrolled Agent

Remote Business Solutions, Inc.

303-900-7265 (Offices, Voicemails)

616-430-5231 (Cell), 303-432-2455 (Faxes), (Emails) (Scheduling)


Dear Clients:

2020 Income Tax Season ALMOST Over

Thanks to everyone who got their final 2019 fees to us and your tax items for the extended income tax returns due 10-15-2020.  We made it through another important filing date.   

The final extended due date is November 15, 2020 for not-for-profit income tax extensions.  Please get your final 2019 items to us by November 1, 2020 if you need a not-for-profit or a late submitted 2019 income tax preparation request!  You may also still will 2017 and 2018 returns with refund requests if within 3 years of the original due date or 2 years of paying the tax.  We need to process, review, and efile y, so that we may process these returns for you on time including efiling or paperfiling if you are not eligible for the electronic normal option.  

Back due tax returns or taxes of any type that have created IRS or state/local representation issues will require filing missing tax returns prior to seeking resolution with governmental entities.  Most taxpayers will be able to apply for payment plans, but offers in compromise require partial payment of taxes with the application fee and application.  Taxpayer representation is a separate service than tax raturn preparation and/or calculation of estimated tax payments.  Please message Jeanine at if you need a services proposal with estimate of your expected services costs. 

The 2020 income tax season closes for efiling on or about the week of Thanksgiving.  The efiling system will not reopen until the opening of the 2021 income tax season which is tentatively January 27, 2021.  So if you need to file during the closure for getting ready for the new income tax filing system, then you will need to paper file.  This can be a major inconvenience if you are accustomed to efiling, so please do your best to get all of your 2019 filing items to us by on or before November 15, 2020!  Avoid penalties and interest and get this done now.

During November, Employers - Income tax withholding. Encourage employees to fill out a new Form W-4 for 2021 if they experienced any personal or financial changes. The 2021 revision of Form W-4 will be available on the IRS website by mid-December.



8) Thanksgiving Break Day (11/29/2020)

9) Thanksgiving Break Day (11/30/2020)

10) Winter Holidays Break Day (12/21/2020)

11) Winter Holidays Break Day (12/25/2020)

12) Winter Holidays Break Day (12/26/2020)

13) Winter Holidays Break Day (12/27/2020)

14) Winter Holidays Break Day (12/28/2020)


Please note that individual workers will use personal time off (PTO) for holidays, vacations, and health.  

Jeanine and Calvin Upcoming Vacations

NV Family Visit                      Tentatively 12-21-2020 through 1-2-2021

Out of State Ski Vacation     Tentatively 1-3-2021 through 1-24-2021

OH Family Visit                     Tentatively 7-24-2021 through 7-31-2021

MI Family Visit                      Tentatively 8-1-2021 through 8-15-2021

Tax Due Dates

 November 2020

During November

Employers - Income tax withholding. Encourage employees to fill out a new Form W-4 for 2021 if they experienced any personal or financial changes. The 2021 revision of Form W-4 will be available on the IRS website by mid-December.

November 2

Employers - Social Security, Medicare, and withheld income tax. File Form 941 for the second quarter of 2020. Deposit any undeposited tax. (If your tax liability is less than $2,500, you can pay it in full with a timely filed return.) If you deposited the tax for the quarter in full and on time, you have until November 10 to file the return.

Certain Small Employers - Deposit any undeposited tax if your tax liability is $2,500 or more for 2020 but less than $2,500 for the third quarter.

Employers - Federal Unemployment Tax. Deposit the tax owed through September if more than $500.

November 10

Employees - who work for tips. If you received $20 or more in tips during October, report them to your employer. You can use Form 4070.

Employers - Social Security, Medicare, and withheld income tax. File Form 941 for the third quarter of 2020. This due date only applies if you deposited the tax for the quarter timely, properly, and in full.

November 15

Employers - Social Security, Medicare, and withheld income tax. If the monthly deposit rule applies, deposit the tax for payments in October.

Employers - Nonpayroll withholding. If the monthly deposit rule applies, deposit the tax for payments in October.

 December 2020

December 10

Employees - who work for tips. If you received $20 or more in tips during November, report them to your employer. You can use Form 4070.

December 15

Corporations - Deposit the fourth installment of estimated income tax for 2020. A worksheet, Form 1120-W, is available to help you estimate your tax for the year.

Employers - Social Security, Medicare, and withheld income tax. If the monthly deposit rule applies, deposit the tax for payments in November.

Employers - Nonpayroll withholding. If the monthly deposit rule applies, deposit the tax for payments in November.

Contact Remote Business Solutions, Inc.

303-900-7265 (Office)  303-432-2455 (Fax)  616-430-5231 (Cell)

*Our corporate (administration office only) address is:

Remote Business Solutions, Inc. | 10343 Federal Blvd Unit J, Westminster, CO 80260

Appointments are remote.  The corporate location(s) are administration centers only

and we generally do not meet clients at these locations.  

Clients may manage their own online accounting systems or hire Jeanine to manage

them on their behalf.  Please let us know if you need any special assistance with managing your

online banking, our payroll / contractor department, billing department, or scanning/copying services. 

Jeanine generally manages and coordinates the workers(employees, contractors, vendors) herself,

so will be glad to resolve any questions or issues, that you bring to her attention. 

You may use the feedback forms located on the Appointment page drop-down menu

and other places on the website to notify us of what is working and not working for

you at our company or within our network of providers.  You may further schedule

a 15-minute telephone call from Jeanine on the Appointments page of

the website or at to notify Jeanine

quickly of questions or concerns. 

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