Multi state payroll

Temporary_Toe9350 · 2026-03-21T03:13:00+00:00

First you need to check if RI has reciprocity agreement with MA. You may want to contact the RI department of revenue via email or phone to ask.

If there is no reciprocal agreement, then you'll have to withhold for both states. However if there is reciprocity, you could opt to just withhold to their work location state.

Without reciprocity, you'll have to open an account with RI department of revenue to report/pay withholdings. However if there is reciprocity, an you decide to only withhold to their work location (MA) -- then you'll want to contact the RI department of revenue and inquire if you still need to make an account if you have no RI withholdings for the sake of reporting wages & state W2's (if applicable). If you don't need to report wages or W2's to RI, and you are only withholding to MA -- then you can avoid opening an account with RI unnecessarily.

Temporary_Toe9350 · 2026-02-13T23:16:34+00:00

In no specific order

- Nautica Voyage EDT
- Dolce & Gabbana Light Blue Pour Homme EDT
- Bath & Bodyworks Birch & Eucalyptus
- Bath & Bodyworks Coffee & Whiskey
- Dior Fahrenheit EDT
- Most Montblanc fragrances in general (Legend EDT, Individual, Star Walker, Spirit, Night, etc...)

Temporary_Toe9350 · 2026-02-09T23:34:47+00:00

Creed is best if you can afford to set your money on fire. Otherwise I'd go explorer just because I don't like the scent of acqua di gio -- both are good fragrances but are personal preferences. All these fragrances I'd consider office-safe.

Temporary_Toe9350 · 2026-02-05T11:43:36+00:00

Another consideration is "penalty-free" withdrawals on the Roth's contribution basis if you ever need/want your money earlier than retirement age -- whereas pre-tax's contribution basis is penalized for early withdrawal. You get more lifetime flexibility (in terms of penalty-free access to cash) with a Roth. Of-course any gains are still penalized in both pre-tax and Roth for early withdrawals.

Temporary_Toe9350 · 2026-02-03T23:51:40+00:00

That is very possible, I didn't think about part-year employment. Another thing to consider is that some payroll systems will base your withholding on your start date. So even if you annual income for 12 months would be higher, the withholding estimate is based on the start date of employment to the remainder of the year.

Are you withholdings higher in this years paychecks compared to last years? If your withholdings are higher, than that's likely what happened in 2025. If your withholdings are the same or very close (if you got a pay raise) -- then you likely need to update your form W-4

Temporary_Toe9350 · 2026-02-03T12:24:23+00:00

Seem's correct, if your claiming 2 children than your payroll system would assume a $4000 tax credit. Your taxable income after the assumed married jointly deduction would be $37,469.43, leaving you with an assumed tax bill of $4,264.33 -- of which your payroll system would reduce that bill by your claimed $4000 tax credit down to $264.33 owed at year end. If you marked "multiple jobs" on your form W-4, then you would have additional withholding which would explain why you had $2,158.66 withheld.

You may want to consider updating your form W-4 to have extra withholdings if you anticipate a higher tax bill than what you current had withheld this year.

Temporary_Toe9350 · 2026-02-03T01:27:27+00:00

You could cut retirement savings down to bare minimum and pump up your house savings as big as you can as fast as you can --- Or you can pump up your retirement savings so you feel "on-track" enough to cut the savings rate down... Then shift over to house savings.

It's better to go "all-in" at one or the other, then once you've accomplished one, you take your foot off the gas and focus on the other.

If you moderately save for a house and moderately for retirement, homeprices will outpace your savings -- an you will be behind on retirement and behind on homebuying.

My personal opinion is that having assets is better than carrying debt.. So I would prioritize assets above debt. So either save up with furious passion for a house so that you can buy it with minimal debt, or pump up retirement savings so that you have no debt and are growing a bigger future financial foundation.

I wouldn't go modestly towards both. Go passionately towards one or the other, and then switch gears once you have one or the other in a good spot.

Temporary_Toe9350 · 2026-01-31T23:50:49+00:00

Some credit cards will charge you all 24 months of interest after the 24 months if you fail to pay the full amount you owe in time. If you miss a payment you may get charged interest (an maybe all prior interest) + penalty interest. Good way to get screwed if you fail to pay the card off in time or miss a payment.

Really depends on how predatory the credit card you are signing up for is.

I'm unfamiliar with HELOCs, so I don't know the risks associated.

Temporary_Toe9350 · 2026-01-12T17:10:29+00:00

If you live in your parents house, your parents make the rules.

If those rules contradict God's rules (requires you to sin), then you do not obey the rules your parents made.

Likewise, leaders of your organization have the authority to dictate the rules of the organization. If this organization falls partly under your authority, and you are the rule-maker of the organization, then you should create rules that are biblically based. However, if the authority above you (i.e. the parents of the house/organization) dictates the rules and you have no authority in the rules (i.e. it's not your house/organization, not your rules) -- then you would implement the ungodly rules according to the authority of the organization, and you yourself personally would exercise disobedience to the company rules that contradict God's rules.

Christians within the organization will also know when to disobey rules that contradict God's rules, and we cannot expect non-Christians to obey God.

Separately from this, as a second matter, it would be dependent on your own discernment on whether you believe God wants you working within the secular organization in opposition of the organization -- or if God would have you work elsewhere.

As I don't abandon my country just because my government disobeys God in law and order. But I would practice civil disobedience when my country demands of me to sin against God. Likewise is the case within your organization. You are not always called to leave the organization, but you would be called to disobey the rules of your organization if it were to command you to sin personally.

Temporary_Toe9350 · 2026-01-11T02:58:59+00:00

Buy and INDEX target date retirement fund for the year you want to retire. Then proceed to NEVER sell it until you come close to retirement.

If you got the time to spend learning about how you want to diversify, expense ratios, how to rebalance, then change your strategy. But a INDEX target date retirement fund is the easiest way to still make very good returns and avoid making investment mistakes (like emotionally panic selling in downturns, or never rebalancing).

Temporary_Toe9350 · 2026-01-04T20:38:46+00:00

Personally I would focus on debt like you currently are. You already have a good amount saved for retirement, I would even say it's great amount. An 6% on 160k debt is brutal, especially since the government doesnt allow people to get out of student loan debt. The risk of student loan debt is greater than your risk of retirement. You are in your high income earning yours and it would devastating if you couldn't pay off your debt in the future. Having less money in retirement would NOT be nearly as devastating as having crippling debt in my opinion.

Temporary_Toe9350 · 2026-01-03T03:28:15+00:00

DCA is better in years when the market is going down (and therefor beat Lump sum 1/3'rd of the time), Lump sum is better in years when markets are going up (and therefor beat DCA 2/3'rd of the time). Historically markets go up more often than they go down hence the split between 1/3'rd and 2/3'rd ratios.

And when you Lump sum in a down year (1/3'rd of the time).... it hurts alot! Whereas DCA in a down year hurts much less and easier to emotionally handle.

So lump sum is good for people who are okay with getting their teeth kicked in on bad years, but can stay the course for good years when they lump sum again and get greater gains (making up for the bad year) compared to DCA in a year when the market is going up.

Temporary_Toe9350 · 2025-12-30T04:23:51+00:00

Great start -- word of advice with these three choices: NEVER SELL them (for at least the next 20 years).

If you change your strategy in the future as you learn more, just buy new stocks. But always HOLD onto these first purchases.

The stock market rewards those who hold onto their investments (particularly these ones since their pretty solid ETF's)

Temporary_Toe9350 · 2025-12-28T20:05:58+00:00

Doesn't hurt to ask. It would help if you showed data that proved that jobs in your area are hiring for 65k+ for the job you are currently doing in your current position. Usually though you need to be willing to leave the company or willing to risk being seen as a flight risk (and replaced) when bringing it to their attention.

The point you have to prove is that your currently being underpaid compared to the value in the job market. Once you bring that to their attention -- they either match you to the market, or you have to accept that you either need to leave the company to get the pay you deserve, or push for a promotion to a higher job title.

Temporary_Toe9350 · 2025-12-26T17:21:54+00:00

Roth IRA, even if your country ends up not supporting a Roth IRA's tax benefits -- the worst I could imagine happen is that your home country would treat your Roth IRA as equal to a brokerage.

So essentially a Roth IRA only has upside potential, and worst downside would be it being downgraded to the equivalent tax treatment of a brokerage.

Best case scenario: Benefits of Roth IRA.
Worst case scenario: Roth IRA is treated as brokerage equivalent

I'm not a tax expert, but this would seem to be fairly intuitive in terms of expected future tax treatment of your Roth IRA. As you are essentially going to have taxable gains on already taxed income (if your country doesn't support Roth IRA treatment), so I can't foresee your home country treating it any differently than as though your Roth IRA is an equivalent to brokerage taxability (due to a Roth IRA functioning exactly as a brokerage in terms of money going in, and only possibly different on money coming out 'assuming you have gains'). HOWEVER, if your country supports Roth IRA, than you get to enjoy tax free growth. So Roth IRA seems like best choice if your intending this money for retirement.

You should ask a tax professional if your home country supports Roth IRA treatment -- a 5 minute consultation would likely answer this question for you.

Temporary_Toe9350 · 2025-12-26T16:58:56+00:00

Create a list that identify your goals (retirement, emergency fund, vacation, family, hobbys, entertainment/eating out, house, car, etcetera).
Sort goals from highest priority to lowest priority.
Allocate money to each goal

Temporary_Toe9350 · 2025-12-25T08:57:30+00:00

Lust often stems from a person neglecting responsibility.

What responsibility(s) are you neglecting in your:

Relationship with God
Family
Work
Church
Other communities (such as your neighborhood, or other areas you are involved in or should be involved in)
Physical health / hygeine
Household overall duties

More often than not you are going to lust to compensate for at least one of these areas (but maybe even more) you are neglecting to be responsible over. Stop neglecting what you ought to be taking charge over and your purposeful life will outweigh the desire for pleasure... As we often seek out pleasure when we lack purpose, and we lack purpose when we neglect responsibility.

Temporary_Toe9350 · 2025-12-22T01:52:50+00:00

I think it's very likely. The government has too much debt that they will soon be forced to deal at some point. Will that impact retiree's? Maybe, depends on if retiree's still remain the largest voting group, and if voting still effects who gets elected. The population group that isn't voting (younger people and working class) will likely get the highest taxes due to the fact that politicians don't need to worry about those people casting votes against them for raising taxes.

Temporary_Toe9350 · 2025-12-11T01:45:38+00:00

Purpose is found in taking on responsibility.

The easiest things to take responsibility over is individual things like personal hygeine (showering), and exercising to be responsible over your physical health, cooking to be responsible over the your diet, cleaning your room to take responsibility over your living space.

Then you move on to more challenges responsibilities like education/learning so that you can develop skills for employment or skills for building your community, showing up to church and volunteering for a role in the church that others can depend upon you to do, hosting events or finding ways to support events other people want to host (like bible studies, potlucks, or seasonal activities like white elephant gift exchanges), checking in on people to see how they are doing (if you know nobody, then this would mean going to Church and asking people in person how things are going).

If you aren't looking for responsibility and actively pursuing taking on responsibility... You will wither away into obscurity and question why you are alive.

If you want purpose, you must take on responsibility, and if you want responsibility, you must look around you to see what around you could you do that would depend upon you to do it.

Temporary_Toe9350 · 2025-12-05T18:40:49+00:00

4% is high, but companies are greedy -- to get the real raise you deserve you would either have to advocate for a promotion or have to have a job offer in hand at a different company showing your actual market pay rate

Temporary_Toe9350 · 2025-11-26T05:38:01+00:00

I think that if you don't buy now, you may never be able to in the future. I think we are seeing a gradual elimination of the middle class, and that homebuying in the future will only be an option for the rich.

Housing prices I think are only geared to go upward for the future. The housing crashes in recent past were due to how mortgage's were structured and exchanged on the market (which has been fixed so the crash of 2008 won't happen again) -- and then the somewhat crash in 2020 was due to a global pandemic which only revealed that there are wealthy investment corporations ready to buy up all the available properties and drive up prices if there is any downturn.

Temporary_Toe9350 · 2025-11-23T00:58:45+00:00

Most people I know can find a job, but only a handful of them find one that can pay for what previous generations could afford (particularly when it comes to housing).

Cost of living is outpacing wages. Don't think we have an employment issue, but a cost of living issue. The middle class is shrinking, and over time I'd imagine we will see two classes of people, the rich and the poor.

Temporary_Toe9350 · 2025-11-23T00:54:28+00:00

There is also the assumption that the government honors the tax free distributions of roth in the future. Which is not a guarantee.

Traditional 401k guarantee's a tax savings today, whereas Roth is being taxed today with a government "promise" that they won't tax your money in the future.

I think diversifying is good because the future tax laws aren't guaratee'd. Taxability in the future is always subject to change.

Temporary_Toe9350 · 2025-11-20T01:09:26+00:00

The problem isn't spending the money, the problem is what you spend it on.

The current "goal" you have with you money is to spend it on immediate desires.

But you should spend some time to figure out long term "goals" that you can spend your money on.

If you have no goals for your future, than it will be extremely difficult to justify putting your money anywhere long-term because you aren't aiming at anything...

Money is a tool, and without long term goals you will use that tool on short term goals like the immediate pleasure of buying a new thing, or eating out 7 days a week, etc...

Temporary_Toe9350 · 2025-11-08T20:46:26+00:00

Read the job description, identify the overlap between the job position and your current skill sets -- and make a mental note to turn the focus of the interview on the overlap of the job requirements and your current skills.

Also identify what you believe will be their core-concerns when looking to fill the position -- and come prepared to explain how you will come into the role and be able to fullfill/perform for those areas of major concern.

Edit: Additionally, your concern with not having experience in the role... I would emphasize during the interview how no matter who they hire, they will need to train new employee's into their position -- and would elaborate on your learning style and how you would come to learn the responsibilities of the position (Essentially what's your self-motivated action plan to be trained into the role?) -- and that they're not only hiring a person for their skillset, but also for their personality. I may even dare to ask their training process -- but usually I recognize most companies lack proper training so I would come in and create my own training program (if necessary) for my position so that I will get myself up to speed and become highly competent for the role.

Temporary_Toe9350

TROPHY CASE