1. Jointly is almost always a better choice.
2. Yes. For tax purposes you and your husband are one person.
3. Phone and utility bills are pro-rated. So you need to figure out what percentage of the time the phone is used for your business by you or your husband and then you can deduct that percentage of the phone bill as an expense of your business.
4. You can take a self-employed health insurance deduction if you are filing a schedule C. When you are entering the expenses for your business into TurboTax "Self-Employed Health Insurance Premiums" is one of the options. Enter them there.
5. Yes. You should create a corporation and file a separate tax return for your business. You can convert your business to an S-Corp and have a potential to save a lot of money on taxes. Get out of the schedule C.
@First-time schedule C filer
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