Bogleheads.org

muddgirl

Over the past year we have had several people contribute to our daughter's CA 529 using the website "www.ugift529.com" and entering her code. We haven't had any problems. It takes a few days from when they contribute to when the money shows up.

muddgirl

This is colored by my own financial circumstances (two income household with solid white collar careers) but I would much rather have quality time with my parents/in-laws now while they leave me no inheritance at all. My in-laws have been very generous with family trips; my MIL passed away in 2020 a...

muddgirl

FreeFillableForms.com

But there are a few restrictions and often you need to be patient as it can take a while to get all the forms updated.

muddgirl

I understand Bitcoin, what I don't understand is Tether , which purports to always equal 1 USDT = 1 USD and does some shady shady stuff with bitcoin. By the time I understand Tether there will be another pump and dump scheme that I will need to figure out. The real breakthrough of Bitcoin is that un...

muddgirl

For us it depends on circumstances, are we traveling? Who got who in the family "secret Santa?" Is there a joint big ticket item that we both want instead?

I wouldn't say there's anything more special about the years that we do get each other a wrapped surprise present.

muddgirl

1.45% is the Medicare tax rate. This was not deferred.

muddgirl

I've had to pay CA partial year resident taxes twice. My understanding of the philosophy is that you are only paying taxes on CA income but the effective tax rate you pay is based on total income. The proportional method (calculation #2) should be equivalent.

muddgirl

stungerz wrote: ↑Thu Nov 12, 2020 2:09 amIf you don’t escrow, I would just pay everything off in October

Agreed, I also lived in Texas and just paid the full year at once, especially if you are worried about complexity leading to missed deadlines.

muddgirl

We decided not to escrow when we had the option. Not for the interest, but because we had heard too many escrow horror stories. Why would I trust Faceless Loan Servicer to pay my bills on time and to the correct authority after my loan has been sold 3 or 4 times? Saving the money myself is pretty tr...

muddgirl

I have been using the same artificial wreath, which has a metal frame, for 10 years. The wreath itself holds up well but the decorations do need to be refreshed every few years. For a garland I think the weak spot won't be the artificial foliage but however it is strung. I'm not sure about specifics...

muddgirl

We do family secret Santa so we only have to get one adult a gift.

muddgirl

The difference between summer in Austin and summer in Sacramento is this: In Sacramento when you are hot, you step into the shade and feel some relief. A breeze picks up and cools your sweat and you feel a little better. At night you can open all your windows and let the cooler air in. In Austin, yo...

muddgirl

Many states split the estates of people who died without a will between spouse and children or other family members depending on circumstances. It is not always "spouse gets all." For example in California spouse inherits all community property but only inherits 50% of separate property an...

muddgirl

I didn't have to "file" a trust with anyone. I just went to a lawyer who wrote up the trust documents, signed it with a notary + witnesses, and then funded it by transferring assets to the trust's name. The trust documents are sitting on my desk. This is why other commenters keep advising ...

muddgirl

Have you ever visited Austen? Looked at neighborhoods? Looked at your commute in a non-pandemic future? I grew up in N. Cal, lived in San Antonio Tx for 9 years, visited Austin often. Just moved back to the Bay Area. That salary in Austin is very very nice but to me the question is what lifestyle yo...

muddgirl

We are also in our mid-30s with one child under the age of 1. Can't speak to trustees, but we decided for the present to distribute the entirety of the remainder of thr trust at age 25. Ideally most of the funds will have been spent down by that point for living expenses + college if our kids chose ...

muddgirl

It's an Individual Retirement Account. It can't be transferred (except after death and perhaps divorce).

You can withdraw the sum of your Roth IRA *contributions* at any time without taxes or penalty.

muddgirl

You may enjoy Annie Proulx, she has 4 short story collections although I have only read her first, Heart Songs. Her stories have just a touch of tall tale in them.

muddgirl

FYI the HDHP should also provide some free annual screenings. I didn't know that. I haven't checked that yet. Is that law? Yes it was part of the Affordable Care Act and as far as I know part that has not been repealed. You can find a list of screenings that should be covered by most plans here: ht...

muddgirl

FYI the HDHP should also provide some free annual screenings.

muddgirl

This article about sanitizing clothes says that hot water can't hurt but doesn't really cut it - bleach is necessary anyway. And then follow up with the high heat setting on the dryer or line dry.

https://www.webmd.com/a-to-z-guides/ss/ ... -when-sick

muddgirl

1099 employee is an oxymoron, either you were an employee or you were an independent contractor. I'm questioning whether it's even legal to go back and re-classify you as an independent contractor for last year's work. If you were employed, then you were employed. Presumably they collected and remit...

muddgirl

We live near a Target and guess what is opening right next door to it? Yep, a Whole Foods.

There is a whole industry devoted to planning retail locations, bank branch locations, etc. It is a branch of geography/GIS. So if your kid wants to get a geography degree don't laugh!

muddgirl

OK if you work for a non-profit or not-for-profit that offers a TIAA 403b, you may have access to a TIAA Traditional at 3%

muddgirl

Assuming you live in a community property state and thus the truck really belongs to both of you, you + your husband can each gift $15k to brother + SIL without reporting, so that's a max of $60k per year that you as a couple can gift to them as a couple without reporting.

muddgirl

So are named-beneficiary accounts controlled by the will? Or by state law? I thought the benefit of named beneficiary accounts is that they are not part of the estate thus not controlled by the will. No, the will has nothing to do with it. We’re only talking about simultaneous deaths in beneficiary...

muddgirl

So are named-beneficiary accounts controlled by the will? Or by state law? I thought the benefit of named beneficiary accounts is that they are not part of the estate thus not controlled by the will.

muddgirl

So just to be clear what you are signing is not the modification but a petition to the court to make the modification? In other words a judge would need to agree?

I certainly wouldn't sign anything without knowing what amount is under discussion and the original terms of the trust.

muddgirl

My husband's family made a similar change to a bloodline trust but they did it before the grandparent died. Basically one of the children was gravely ill and spouse was counting on part of the inheritance as their retirement plan :oops: The big risk as stated is that mom (in your case) remarries and...

muddgirl

A family foundation is a nonprofit or charitable trust and can't really distribute money specifically to family members at all. I don't think you understand what the Nobel Foundation or the Carnegie Foundation do.

muddgirl

It doesn't look like Oregon has a specific law, so it's what can be justified as "unreasonable wear and tear" in small claims court. I think they'd be hard pressed to justify $85 in damage to a 14 year old carpet but they are gambling that you don't want to waste time over $85.

muddgirl

I am coming from the other end of this - we am in my mid-thirties and our parents are in their mid-sixties. We just had a sit-down with the in-laws to go over their retirement and estate plan, as well as the estate plan for a grandparent. This was important because we will be trustees for a dependen...

muddgirl

My husband enjoys his Chemex. It is good for home use but doesn't travel well (being glass and all-in-one).

He uses the plastic basket of a drip coffee maker for pourover coffee on the road - another benefit is it takes standard filters, not specialty ones.

muddgirl

Some of this may be state dependent. In my state (CA) I operate as MyRealName Consulting, there is no need for a DBA filing or EIN. Your litmus test may not be the IRS litmus test. For example to deduct the cost of my laptop according to the IRS I need to divide the use between business and non-busi...

muddgirl

You can expense a lot of stuff as a percentage of business use, but is the minimal tax savings worth the bookkeeping? Like if your high speed internet is $100 a month and you use it for 100 hours a year for 1099 work and 3,000 hours for W-2 work and personal use, you can deduct $38 off your 1099 inc...

muddgirl

I use YNAB which is basically an envelope or zero-budget method ("give every dollar a job"). Cash rewards are "income to be budgeted."

muddgirl

IME when the wax ring fails you will get a sewer gas smell.

Our city offered free low flow toilets so we replaced the toilets + rings at that point. When we took the old toilets off, on one of them the toilet flange was rusted out and also needed to be replaced.

muddgirl

I'm a mechanical engineer. CAD in high school isn't super necessary, he can learn what he needs as he needs to. I wish I had taken drafting when it was offered - hand drafting is a lost art. But a pencil drawing class might be more useful in the long run, anything to aid the ability to get mental de...

muddgirl

We have a Weber propane grill at our cabin, used to have charcoal grills. Propane is great for occasional use. Just clean the grill while it is still a little hot and any food particles will come right off. Definitely get the grill cover or any grill will rust out within a season. If you have a newe...

muddgirl

Another budgeting/get out of debt expert that might appeal to them is Jesse Mecham. https://www.amazon.com/gp/aw/d/0062567586/

muddgirl

If health care is so crummy why isn't an HSA an option? Employers don't have to offer and HSA, if the plan qualifies then he can open one independently. A lot of Mormon wives work from home. I see a lot of excuses and not solution-oriented mindset. You can lead a horse to water but you can't make t...

muddgirl

If health care is so crummy why isn't an HSA an option? Employers don't have to offer and HSA, if the plan qualifies then he can open one independently. A lot of Mormon wives work from home. I see a lot of excuses and not solution-oriented mindset. You can lead a horse to water but you can't make th...

muddgirl

A few years ago I worked as a contractor for Experis/ManpowerGroup. I was a W-2 employee of Experis, not an independent contractor at all. The work I was doing definitely did not qualify as "independent contractor" work (ie I did not set my own hours, or direct my own work, or use my own e...

muddgirl

It seems to me you're tilting at windmills. Why would you even tell anyone on Facebook that you are using a coupon to get pizza? Believe me no one cares this much about the minutia of your life except the online equivalent of Mrs. Kravitz.

muddgirl

I used FreeTaxUSA for my combined W2 and 1099 income. Not entirely as user friendly as TurboTax but pretty close. Federal is completely free and state is usually $10-12.

muddgirl

I did not get any question regarding self employment earnings, they asked for earned income and unearned income, which bucket does this self employment income fall under ? Self employment income is earned income. When it asked for employment status did you answer that she was BOTH employed and self...

muddgirl

There are multiple criteria for filing an income tax return. One is net self employment earnings over $400. Once you meet any of the filing requirements (or if you choose to file a return to reclaim withheld taxes), all self employment income must be reported and is taxed. Make sure to reduce the 10...

muddgirl

My Ikea changing table was made in China. So was the changing table pad.

muddgirl

Make your own! This looks like a great project for beginners. https://ana-white.com/woodworking-projects/simple-changing-table Yes! That would be cool! Unfortunately I do not live in a house with extra space for woodworking tools, nor do I have any available nearby. I need to buy something prebuilt...

muddgirl

Make your own! This looks like a great project for beginners.

https://ana-white.com/woodworking-proje ... ging-table

Search found 174 matches