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Thank you Tomato…

Thank you for your responses. We were really hopeful we could use our appreciable stocks. We are aware we could directly pay the institution.

Does anyone know how taxes for dependents works? Does a dependents taxes count as the Mothers income?

Background:we have a close friend who is a Single Mother with 3 children on government assistance. Oldest child will turn 18 & would like to go on to further their education. We have been discussing the idea of gifting appreciable stocks to the child to help with the education.

Question: What are the ramifications for the Mother & her government assistance? We don’t know the details of the assistance & don’t want to jeopardized her situation. Does a gift to a child who is claimed as a dependent count against the mothers earnings & taxes.

Thank you for any input.

It is not uncommon to find homes with Saunas (sow-na, not saw-na) where I grew up. At least 30% of the homes have them.

140 would never cut it for me. I’ve been in infrareds & felt like they were a gimmick.

Why not seek a second opinion from another Attorney?

There has been a red tide in the gulf along Florida’s Souther shores. I’d look into wherever you decide to go.

Fun post! Thanks.

While he may have been obligated to advise her of the fee, IMHO the Attorney told her that & hopes to sew discord in the family & put more $ in his pocket. Honor your wife’s decision, don’t interfere.

If I had 2 weeks, I’d just drive the whole UP along the Lake shores. (Pro tip - there’s a reason they call it Superior). Biking of all kinds is huge in Marquette as well. While there you could jump off black rocks (some of the oldest rocks in the world geologically speaking) into Lake Superior…if you dare. I follow a Facebook page based in the UP. Sometimes arguments break out. Post, after post, after post on the same thread. Then someone post a picture of a Pasty (Pass-tee). Then (in the same thread) they start arguing over ketchup v. Gravy on Pasty’s! I kid you not! I know ketchup is the only way to go. There is some good Mom & Pop food in the UP. Fish is big. Marquette has variety as does the Keweenaw Peninsula (Copper Harbor, Hought...

Alexandria, VA is a safe & convenient location for the most part. Arlington National Cemetery & Pentagon are there. You can almost throw a stone to the National Mall, White House, spy museum….in other words DC. The Subway is very convenient.

Well France is easy! The Louvre, Eiffel Tower, sidewalk cafe for croissants, & street food.

Train to England & hovercraft to see the white cliffs of Dover.

You are not alone. I can’t think of one person who has not felt this way during the “busy” time of life. It will pass eventually.

Find something you enjoy. It will make all the difference: new task at work, learning a sport your kids are involved in then helping out, a hobby, One thing that often helps is donating your time helping other members of the human race: meals on wheels, soup kitchen, etc.

Target a place to attack daily. Plan to clean out something small like a drawer on busy days, & something large like a closet on days when you have lots of time.

Don’t spend a lot of effort trying to get paid for your stuff(junk). Donate, donate, donate.
Keep the stuff to donate in your trunk or bags in your backseat. Drop it off at your donation spot as soon as your car is full.

Also used equipment can always be found at thrift stores. You can try something for very little investment.

Talk to another rep….

Does he have the ability to excel given a good curriculum? If not, maybe the social aspect should get the emphasis.

Withdrawals from taxed deferred accounts is earned income. At retirement age many find the Required Minimum Distribution (RMD) from retirement accounts push them into a higher tax bracket. Additionally RMD’s can cause $ to be subtracted from their social security checks because Sliding scale Medicare payments come out of your social security $.

Money in a ROTH is not subject to RMD’s (taxes have already been paid by you) so in theory you can keep your tax bracket lower.

If you pay attention to the forum you will see many people struggling with this scenario.

Well done team! TY!

OP, please update as things progress. This is something many have angst over….the mailing those large checks.

mortfree wrote: ↑Thu Feb 02, 2023 7:03 pm

cheesepep wrote: ↑Thu Feb 02, 2023 6:25 pm Please buy a Brother laser printer. You and your pocket will be very thankful.

Model number recommendations?

See the links above.

Be sure to go to the fountain of youth for that old school, tourist trap experience.

Be careful in the historic district, especially at night. The historic cobblestone roads are famous for snapped ankles & worse. Ask me how I know.

Mesa Verde blew my mind https://www.nps.gov/meve/index.htm

Very touristy but Niagara Falls also blew my mind.

NYC, but only because I know my way around.

Don’t forget to consider the tax consequences if any….

No, you can’t pick a particular fund.

What are you trying to do? Make a withdrawal & pocket the $? You don’t have to roll it into a ROTH to make a withdrawal. You can just take $ from TSP.

The USPS is drowning in rules & regulations that are as hard to read as the IRS rules & regulations. hope they don’t choke!

Here is some plain language the Post Office supplies...

https://pe.usps.com/businessmail101?Vie ... eryAddress

I don’t think you need to worry about the items you mentioned.

A plastic laundry basket from the dollar store. I’ve had it 30 years!

What are the pro’s & con’s of addressing “electronic data” in a will. I know some wills address this, but I don’t see the point.

TY

I’d wait a few years. Let them be kids.

What they start babysitting, working, washing cars & can understand better maybe then.

In the mean time be a good example.

If the girlfriend is a thing of the past, chances are she won’t be looking for anything & a simple change of beneficiary is called for.

The institutions involved will honor whatever is on file, unless the court gets involved (ie: the girlfriend sues)

OP & others then become witness to the decedents wishes.

tenkuky wrote: ↑Wed Jan 04, 2023 9:57 am

PoppyA wrote: ↑Wed Jan 04, 2023 9:44 am

And finally….
I saw God walking across the Upper Peninsula. When I stopped to ask Him why He was here He replied, “I’m working from home this week.”

Don't tell too many people. We don't want the UP overrun.

Thank God for those long drives, & lack of flights!! (I think)

I too keep an online list of quotes 😻 A satisfied life is better than a successful life. Because our success is measured my others, but our satisfaction is measured by our own mind, heart, & soul. Family is not the people you are related to by blood,” she wrote. “They are the people that support you, look out for you, & love you unconditionally.” Keith Richards: no one wants to get old, but no one wants to die young either. Keith Richards: People like Rock, I like the roll. “Grief, I’ve learned, is really just love. It’s all the love you want to give, but cannot. All that unspent love gathers up in the corners of your eyes, the lump in your throat, and in that hollow part of your chest. Grief is just love with no place to go.” - Jam...

One of my favorite places! I don’t like the tourists but the falls are mesmerizing!!

Love the idea of the train trip to!! I’m jealous!

Oh, & a second vote for Niagara-on-the-lake. Such a sweet town.

You can make a Disney vacation anything you want!

An underground tour, a spa vacation, an eating tour, etc!

You don’t have to step in the park. You can just chill.

Subscribe to the daily emails from the https://dailystoic.com/

To perfect the title file a copy of his death certificate at the county register of deeds office. When she sells the property the new deed of conveyance will only have her name on it.

This is known as cleaning up the title.

toddthebod wrote: ↑Sun Nov 20, 2022 7:45 am SWVXX is the answer unless it's over a million dollars or you are in the top tax bracket, in which case one of their other money market funds may be a bit better: https://www.schwab.com/money-market-funds

Why not if over a million?

I think you have “grown up” with VERY favorable interest rates. 7% was considered a good rate at one time. I’ve never been a fan of ARM. I just buy it and refinance if rates drop again.

It’s normal to have second thoughts. It appears financially you will be fine, just fine.

Alcohol wipes (the kind diabetes use), followed by a Kleenex or TP.

Just as good as zeiss at a fraction of the cost.

So much for the new & improved TSP. I couldn’t believe it either. No other option.
If you have mail problems why not send it directly to Schwab?

BTW, unless you already have your Schwab account linked to TSP, that process will take another 7 days.

I waited an hour & a half to talk to someone at Social Security. The question I had could have easily been posted on their website but isn’t.

Called my Congressman’s office & spoke with a blockhead.

I’d really like to see the Federal Government commit to excellence in the programs they have in place rather than spend money on new things!!

mbres60 wrote: ↑Sun Nov 20, 2022 7:45 am

RJC wrote: ↑Sun Nov 20, 2022 7:39 am I'm currently on GEHA HDHP (family) and enjoy the low premiums and insurance contributions (1800/yr). Are HDHPs not popular w/ Medicare? I only see folks post about BCBS Standard/Basic and GEHA Standard.

Still a bit out from Medicare age but this question has been on my mind lately. Thanks.

If you are on medicare you are not allowed to contribute to an HRA which I think HDHPs have.

It is recommended you drop to the lowest tier plan for the FEHB plan you carry. You get the RX benefits & the combined Medicare/FEHB cover pretty much everything.

One common tradition is for people to go around the Thanksgiving table saying what they are thankful for and good health is often mentioned. I am fortunate to be in good enough health to be able to give blood so I started doing that again. The next time I can is in mid-December so as a general celebration of both Thanksgiving thanks and Christmas giving I will be giving blood. Foodwise for as long I can remember we always had our dressing as dressing balls that are baked in flattened balls on a cookie sheet so that they are nice and crunchy on the outside. They look more or less like crab cakes. I am not 100% sure but this might be a southern thing since my mom had dressing that way when she was being raised and her mom made them that way ...

I think it would be a nice gesture considering your wife’s contributions!

Unless your grocery store is less the a mike away in Florida, Personally I wouldn’t count on full time bike riding in either location. The heat can be horrible in the summer.

Don’t discount that you are overall happy with your current work environment. One personality could make you miserable in the new position. I’m not saying you shouldn’t risk it, but as I look back on my career I have had both & one of them was very stressful.

What are your personal priorities in life?

Also consider removing any “concealment ” near the windows of your home. I’m talking shrubs, trees, fencing,etc.

Additionally your GPS & garage remote make bad bed fellows! We use a near by alternative address in our GPS…..the police department.

Thank you for the input!!

Unfortunately the screen did shatter when it fell out.

External monitor….good thought!!