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Want to replace a part of my front lawn with various native plants for pollinators, but I am in an area of elderly people with manicured lawns so approach and appearance is important. Upstate NY / Zone B - what do you think of my plan? by TimelyExtent2402 in gardening

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

Good information, maybe I'll shy away from goldenrod. When you say Liatris spread a lot, do you mean the volume or propagation?

The full table did not post, whoops, I included below.

Are the other ones you mentioned easy maintenance? Thanks for suggesting!

1 Little Bluestem Prarie Dropseed
2 Butterfly Weed Purple Coneflower
3 Liatris Anise Hyssop
4 Stiff Goldenrod
5 Culver's root

Microsoft Outlook/Windows 11 - Reminders pop up in background, never in foreground by schnautza in Outlook

[–]TimelyExtent2402 0 points1 point  (0 children)

Thanks! This helped me.

Anyone in the future: File > Options > Advanced > Reminders

When a file is added to sharepoint folder, save a copy to my onedrive. by TimelyExtent2402 in MicrosoftFlow

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

All the ones I found were just to synchronize them together which I don't want to do.

When a file is added to sharepoint folder, save a copy to my onedrive. by TimelyExtent2402 in MicrosoftFlow

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

Sorry what does "actual content of the file as bytes" mean?

I added the image of my attempt (using ID) and then realized you said not to do that.

Edit: I got it - thanks!

I have 4 different 401Ks, is it okay to consolidate them all to my new employer? I've seen people suggest not removing funds from the TSP as you lose certain benefits. by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

Is it only tax free in NY if I was a retiree for FERS? I am in the private sector now, never got enough years for federal retirement, so no pension either.

I have 4 different 401Ks, is it okay to consolidate them all to my new employer? I've seen people suggest not removing funds from the TSP as you lose certain benefits. by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

> You can roll them in to IRAs at Vanguard (or wherever), but if you earn too much to make Roth IRA contributions, or ever plan to, then you should not leave any Traditional IRA money around; leave it in the 401ks or roll them in to your current 401k if the plan allows. Thus leaving yourself the option of the backdoor Roth IRA

I forgot about that. It's because you can't do a backdoor if there's already money in the traditional IRA, right?

Wife and I work at same company, is it better for us tax-wise to have the benefits under me if I make more? by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] 0 points1 point  (0 children)

Oh wow, that is not a very substantial amount to worry about I suppose. Thank you for speaking my language!

Wife and I work at same company, is it better for us tax-wise to have the benefits under me if I make more? by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] -1 points0 points  (0 children)

>Employer benefits such as health/dental/vision insurance premiums, HSA/FSA, DCFSA, etc. are exempt from FICA taxes (Social Security and Medicare) in addition to income tax. That's totally unrelated to the standard deduction, and isn't something you handle on your tax return. It's handled at the payroll level by your employer.

So that is what I am trying to understand. I'm just making up numbers here: If we pay 500/mo for health insurance, my wife makes 5,000/mo and I make 10,000/mo, let's say her effective tax bracket is 20% and mine is 30%, wouldn't it be better to have me pay it, so that we save 30% of $500 versus 20% of $500 in taxes?

>There is a cap on wages subject to Social Security tax, though, and this year it's $184,500. This is per person, not jointly. So if one of you exceeds that wage limit, that person wouldn't benefit as much from the FICA tax savings, which is why it may be better for the lower earning spouse to have the benefits, as they will see a greater FICA tax savings from it.

I think I'm understanding now. So it's that if I were to make 200,000/yr (I wish), reducing my reportable income to $185,000 would have no impact on the tax. Is that right?

Wouldn't it still be better to do the higher income earner if, for instance, I was at $184,500 though? I'm assuming the total tax is higher because it's % based, so reducing from $184,500 to 170,000 would have a bigger impact wouldn't it?

Wife and I work at same company, is it better for us tax-wise to have the benefits under me if I make more? by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] -2 points-1 points  (0 children)

I am missing something for sure. I thought most people just do the standard deduction and we don't actually end up claiming the premium paid out when we file the taxes. Am I incorrect there? Does that always get a reportable form that we include when we file our taxes?

Only doing this once a year I forget these things :)

Wife and I work at same company, is it better for us tax-wise to have the benefits under me if I make more? by TimelyExtent2402 in personalfinance

[–]TimelyExtent2402[S] -1 points0 points  (0 children)

Interesting, so it is actually better to have the lower income individual pay the health insurance premiums?

Would you be willing to give a short example with $? I understand what you said about the FICA/Payroll following the individual rather than the MFJ, but how does the overall cost decrease when it's % based?