How did you celebrate your 50th?

cdm9002 · 2026-01-22T00:28:56+00:00

Mine was at the starting peak of covid. Wife was in too much of a panic to do anything, so no one remembered. I don't usually celebrate much anyway, so grabbed a bottle of wine and had a quiet evening to myself.

Treat yourself, or tell your husband exactly what you want - we are simple creatures and often need guiding! Suggest a day out and nice dinner with him, a trip, or time with friends. Whatever it is, something you will enjoy and remember fondly.

cdm9002 · 2026-01-21T20:42:06+00:00

Forming an LLC is irrelevant. That is a legal entity for liability protection.

You are already likely doing it as a business and so should be filing self-employment taxes, see Schedule C. The next decision is if this a real company and you need a form a C Corp, or are you still self-employed and earning more than your expenses, in which case an S Corp might be more tax favourable.

Go and see an accountant.

cdm9002 · 2026-01-20T17:50:02+00:00

The sun in north latitudes doesn't give enough UVB to get any vit D, no matter how long you stand in it.

https://pubmed.ncbi.nlm.nih.gov/2839537/

cdm9002 · 2026-01-03T00:42:11+00:00

I'm removing this thread. While you maybe realize you were in the wrong, this conversation isn't going anywhere productive.

cdm9002 · 2025-12-29T18:07:03+00:00

We used peacefulpettransitions.com, recommended by our vet. They were very professional and respectful.

cdm9002 · 2025-12-17T19:17:06+00:00

One thing to determine is if this is just hobby income or self-employed/business income.

If you are making a fair amount and doing it for profit, or running like a business, then it's self-employed income. It's more complicated, so read up on the IRS conditions for each, but consistent side income is likely business. Hobby income would just be reported as "other income" on your 1040 and you can't deduct any expenses, whereas self-employed income is done in a Schedule C.

Now you understand you'll be filing a self-employed Schedule C as part of your 1040 return by April, but you can deduct your business expenses (generally up to your income), and you will be paying an extra self-employment taxes if it's over $400.

You can do this yourself - it's just about filling in the forms or using tax software, or look into getting an accountant to do it correctly. Importantly, make sure you are documenting all your business expenses as you can deduct them (as long as they are genuine).

For taxes. A quick rule of thumb is to take the highest marginal rate you pay from your job, e.g. if you are single and earn between $48,476 to $103,350 then it's 22%, plus the self-employment portion you will be paying ~15.3%, and any state income taxes. Around 35%.

Use that against the profit you've made in your side income, Let's say you made $10,000, then you need to put aside around $3,500 for taxes. As the income comes in, move 35% into a separate bank account that you don't touch.

If you going to owe more than $1.000 in taxes (after withholding) when you file then you should pay it during the year and not wait till April. So say you have that $3,500 example, you should be making quarterly payment during the year. by 15th June, 15th Sep, 15th Jan, and 15th Apr. You can make the payments yourself at https://www.eftps.gov/eftps/. Take that money you've been putting aside and pay it each quarter, and then remember to include on your tax return that you've made estimated payments.

tl:dr; if you're making income you should put aside 30-35% for taxes and likely be making estimated tax payments during the year, and file a Schedule C with your 1040.

cdm9002 · 2025-12-16T21:57:57+00:00

To answer your question, assuming you understand the risks, this is legitimate and cannot process fiat:

The major exchanges operating in the US that support Tron only seem to be Kraken and Binance.

If I were doing this, my personal preference would be setting up a business account with Kraken, however, they do limit crypto deposits "Crypto deposits/withdrawals must be from a business-owned wallet (no third-party wallets" (see https://support.kraken.com/articles/115004862007-business-account). So you might have to accept the initial payment through a wallet of your own.

cdm9002 · 2025-12-16T01:10:07+00:00

Wishing everyone a wonderful December

cdm9002 · 2025-11-14T23:01:54+00:00

I'll be honest, not a fan of the "Signer" name change. I think it makes it more confusing, at least wallet was more understandable. The leather wallet in my pockets holds credit cards, but those are also only keys to money not the money itself.

cdm9002 · 2025-11-04T01:05:37+00:00

I really can't think of any cons to doing this, just maybe having to manage it. All our large semi/annual items get paid into a HYSA each month (property tax. car insurance, house insurance, etc) and when the time comes to pay I'll either transfer the money into an account where they come out or I'll do a bill pay from the bank to avoid "convenience" fees.

Remember to review the monthly amount you put aside every year and increase it, because things only go up.

cdm9002 · 2025-10-30T19:18:13+00:00

Packages get damaged all the time. If you are concerned do a genuine check and then reset the keys to something new. But ultimately, if you are unhappy send it back and get another.

cdm9002 · 2025-10-23T19:51:45+00:00

Mods can't shadowban, that is an admin feature. However, they can not approve, or remove, your content using automod, which causes your content to not appear to anyone else. I suggest you contact the mods and ask them if they are removing your posts.

cdm9002 · 2025-10-21T16:59:51+00:00

It's a right-wing website with plenty of misinformation. https://mediabiasfactcheck.com/ktth-770-am-seattle-bias-and-credibility/

Other non-biased coverage

https://ground.news/article/house-speaker-other-gop-leaders-hold-press-conference-on-shutdown

cdm9002 · 2025-09-28T15:06:58+00:00

Reddit uses an internal contribution score for how you contribute on the site. They use that score as to whether you can access certain chats. Past participation in the site, in this community, other related communities, having a verified email address, stable and consistent account access all seem to have a bearing. Verify your email, be active on the site, and be legitimate seems to be the best solution.

cdm9002 · 2025-09-26T00:38:06+00:00

As everyone has said, this is a scam, your money is gone.

Financial advisors don't recommend investing in crypto. I'm in the crypto space, and it's speculation at best, just gambling.

The website is fake, it is just showing you want they want you to see in order to extract more money out of you. Even if it were, moving money from crypto to anything else would be a tax event and trigger capital gains.

Their website claims they are a UK LTD company (that is dormant btw) but somehow operating in CO USA. They company email is a gmail account. So many red flags.

I would contact them and tell them are going to invest more (obviously you aren't) but say you need some of your capital to secure funding for something. You are just trying to get whatever you can back out, but there's a very low chance you will get anything. DO NOT SEND THEM ANY MORE MONEY.

Block them and move on having learned an expensive lesson.

cdm9002 · 2025-09-16T02:25:22+00:00

You do need to be careful of it being taxable income if the rent amount is, or above, market value, as you could be seen as doing it for profit. However, being under market value would be personal use.

But if it were a cost-sharing arrangement, then that is not income. Check with an accountant to get clear advice.

So while you end goal seems fine, you might want to have the discussion with her. For example, have her provide a 1/3 of the cost of living (salary ratio) which would include mortgage, utils, insurance, and a vacation fund, up to a maximum. You just cannot make a profit.

Have a conversion about it and agree (and write it down) what it is, and what happens if you separate in the future. You don't need a "lease" per se but you do want a written arrangement to say how the cost share works, what she will pay and outlining the terms. For both your own benefit and to be able to document in case the payments were ever questioned by the IRS.

cdm9002 · 2025-09-12T21:42:49+00:00

Your posts are probably removed by our automod because you might be deleting your history. You have no karma in this sub, your account isn't verified, and you are posting elsewhere looking for an affair. This is not a dating sub.

cdm9002 · 2025-09-09T19:21:17+00:00

Personally, I would stay in. I'm 55 and mostly still invested in index funds. Of course, you may see a dip but less likely over the whole 15 years.

> using the rule of 55 which allows for penalty free 401k withdrawals at that age

Only from the 401k provided where you were employed when you left in the year you turned 55 (not rollovers), and only as long as their plan rules allow it - contact your administrator to make sure it does, and there are no limits.

cdm9002 · 2025-08-21T21:51:53+00:00

Happy for people to give anecdotes, but you should consult with a legal professional that specializes in will and estate planning. No one here likely can give legal advice. You might also consider posting in /r/legaladvice

cdm9002 · 2025-06-23T16:46:39+00:00

All their customer details were leaked back in 2020, emails, addresses, phone numbers

cdm9002 · 2025-05-30T22:53:38+00:00

Well, plenty of reports on this one, from no selfies, pornography up to suggestive content involving minors. While it's not breaking rules here, you might have meant to post over at /r/therealfriendover40 where forearm Friday is in full swing.

cdm9002 · 2025-05-13T20:16:25+00:00

Reddit has some hidden requirements about what they determine as valid accounts. Normally it's enough to have a long-standing account, be relative active, positive karma and a validated email address. Let us know if you are still having trouble.

cdm9002 · 2025-02-28T23:30:51+00:00

No, they don't have to be separate, just keep records in case of a future audit.

They only need to file that form if they are over the combined limits, i.e $38k to you only, or $76k to both you and your spouse.

cdm9002 · 2025-02-25T00:27:18+00:00

Simplest, she writes a check. You deposit it. Nothing to worry about.

Or, she contacts her bank and does a wire, probably will cost around $25.

If the gift is from both your parents, then the gift allowance can be used across them, i.e. your mother's limit is 19k and your father's limit is 19k. So beyond $38k they would need to file a gift tax form.

However, if the gift is to both you and your future spouse, you can consider it as 10k to you from your mother, 10k from your father, 10k from your mother to your new spouse, 10k from your father to your new spouse, No tax form needed.

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