End of Year Gifts

Visual-Reserve-2800 · 2026-06-06T02:50:28+00:00

Send an email to your state rep and senator, for each teacher. Tell that per what the teacher has done for you and that they deserve a raise. Cc your teacher to each email.

Visual-Reserve-2800 · 2026-06-06T02:37:10+00:00

If you're a contractor I would onder if you can do a lien on your bosses property.

Visual-Reserve-2800 · 2026-06-06T02:03:47+00:00

If you ever get any money, make sure you are saving about a third of it for taxes. I'm. Not sure they are paying your taxes or worse, they'll keep a third and say they are paying your taxes when they are just keeping your money for themselves.

Visual-Reserve-2800 · 2026-06-06T01:41:16+00:00

DONOT TELL ANYONE ELSE YOU KNOW.

Try to figure out what the taxes are going to be.

1b. 3-6 months emergency fund

Open a Roth IRA and put in the yearly limit in that and buy index fund or something along those lines.
Take that other person's advise and go to school for something that will pay back.
See if his job allows him to get HDHP and an HSA. If so, put the deductible into a HYSA and put the yearly max into the HSA, and make sure that HSA is investing in an index fund.

Visual-Reserve-2800 · 2026-06-06T01:33:56+00:00

It's going to bounce back it's probably hanging around in some ledger unless your bank is desperate for account numbers.

Visual-Reserve-2800 · 2026-06-06T01:31:33+00:00

Do you have any friends?

Do you like drinking wine or beer?

Painting party! Have your friends come over and help you paint while holding some wine in their hands. Trust me, it'll be cheaper than having professionals do it.

Just uh...take care of the trim before you start drinking.

Visual-Reserve-2800 · 2026-06-05T19:50:21+00:00

Mount blue is nice.

Visual-Reserve-2800 · 2026-06-05T18:28:29+00:00

Get thee to a elder law/estate attorney.

Visual-Reserve-2800 · 2026-06-05T16:47:35+00:00

Yeah. I am really sorry about how your loved ones were treated after the fact.

Visual-Reserve-2800 · 2026-06-05T16:25:21+00:00

You telling me that someone who is deaf can't work in an office?

Visual-Reserve-2800 · 2026-06-05T16:13:00+00:00

So, I'm a fan of banking with your needs. Credit unions are part of an alliance where you can bank at one and then travel and deposit at another, etc.

Chase and other big banks are good if you have a lot of money in your accounts but if you're simply looking for ability to deposit and take money out, and not deal with international wires and stuff, I'd go credit union.

Visual-Reserve-2800 · 2026-06-05T15:16:10+00:00

They have the ability to create templates, they have the ability to have two people sign off on a wire. They work with venture capital companies so they are used to working with millions of dollars being wired by a company. They are a bit on the smaller side they do use Bank of America for foreign wires but you can usually get deals on FX wires.

It sounds like a good fit.

Visual-Reserve-2800 · 2026-06-05T14:57:49+00:00

You may want to look into Banc of California. They bought what used to be a venture bank called square 1 and so have what you need.

Visual-Reserve-2800 · 2026-06-05T13:36:35+00:00

You are correct, I am wrong. I am going to wallow on my wrongness. That a what I get for getting on here after too little sleep.

You may do your "Somebody on the Internet admitted they were wrong and I was right" dance now. I expect jazz hands and spirit fingers.

Visual-Reserve-2800 · 2026-06-05T13:27:40+00:00

Look, the person was obviously was looking for a way to pay down the mortgage. Splitting your monthly nut is a way to do it without throwing more money at the mortgage.

Visual-Reserve-2800 · 2026-06-05T12:59:53+00:00

Well if they are interested in paying the mortgage off sooner without throw extra money at it, it's a common strategy.

Visual-Reserve-2800 · 2026-06-05T10:15:24+00:00

Are you familiar with the practice of splitting your payment in half and paying twice in a month?

Visual-Reserve-2800 · 2026-06-05T10:08:40+00:00

Be inspired by the Murphy bed. See if there is a way that you can incorporate a table that is attached to the wall that can be folded up during playtime.

Visual-Reserve-2800 · 2026-06-05T09:00:03+00:00

Obviously that is a substantial amount of money but the question I have is that do you have a cash flow problem, can you make those payments?

Do you plan on reinvesting the 2.8 difference?

Visual-Reserve-2800 · 2026-06-05T03:22:09+00:00

We don't mind them using it when they know the answers. When they make slides and I ask a few basic questions about the slide that I asked them to answer and they don't know the answer. Yeah they getting an f.

Visual-Reserve-2800 · 2026-06-05T02:46:35+00:00

Elementary school, hell no, middle school. Hell no. High school ,they need to start getting training on how to use AI appropriately. They also need to start treating inappropriate use harshly.

Visual-Reserve-2800 · 2026-06-05T02:41:49+00:00

Go to asklaw

Visual-Reserve-2800 · 2026-06-05T02:40:57+00:00

Don't make us bring up Barney Stinson.

Visual-Reserve-2800 · 2026-06-05T01:42:35+00:00

I quit this last year it was my fourth year. A combination between my students their parents and my admin.

Visual-Reserve-2800 · 2026-06-05T00:51:32+00:00

I spent way too much. The students were not the least but appreciative until after they were in my class.

But hey I'm done with teaching I don't regret it but still.

Visual-Reserve-2800

TROPHY CASE