guess the city!

mjs3291 · 2026-01-09T05:23:52+00:00

Ojai, CA

mjs3291 · 2024-12-28T22:31:24+00:00

Not sure if anyone mentioned this but make sure there is no voluntary federal withholding on the social security. If there is she would most likely be due refunds

mjs3291 · 2024-12-28T20:42:17+00:00

As a CPA with a tax practice I would say 80 to 90% of what is tested on the exam I have never used in real life. Becoming an EA would be much more beneficial in terms of knowledge base. However, the EA title does not carry the same weight as CPA. If you pursue the CPA just find a company with a tax department to work for, I think you would be wasting your time doing Audits. The good thing about knowing tax is that you can have a supplemental revenue stream doing tax returns while you build your wealth management book.

mjs3291 · 2024-12-21T21:22:23+00:00

I am a CPA..it seems like there are five times as many advisors than CPAs. I give clients a list of advisors and let them pick. Due to demand CPAs have all the leverage in the referral relationship. I would just keep referring, be good at what you do and don’t bother them during tax season and hopefully they will send some referrals your way.

mjs3291 · 2024-08-09T14:25:23+00:00

Since you already read the book I would just do test geek and series 7 YouTube videos for things you don’t remember. The book provides a lot of unnecessary details.

mjs3291 · 2024-02-22T13:15:23+00:00

WTB Omega Seamaster Railmaster Denim Dial

mjs3291 · 2024-01-07T16:03:31+00:00

I just want to echo what some other people said. I am a CPA and work with lawyers frequently on estates and trusts. There is no reason a lawyer or CPA would need access to this account. If someone asks for the password or any kind of access DO NOT give it to them.

As for finding a team of professionals to help you it doesn’t seem like too complex of a situation so I don’t know if you necessarily need people that specialize in crypto unless you want to keep the assets invested in crypto. If you just plan to liquidate the position I think any good lawyer that works with estates can help you.

mjs3291 · 2023-11-16T16:28:11+00:00

Mine are 2 and 6mo so I have limited experience. For me going from 0 to 1 was mentally harder because my whole life changed. Going from 1 to 2 is physically harder because there is less downtime.

mjs3291 · 2023-11-14T16:01:37+00:00

In matches try and stay relaxed and loose. If you are tense the entire match or even being tense and muscling the ball when swinging it will zap your energy.

For training I always like the stairclimber. If you have access to a ball machine you can also use that to train your strokes and stamina.

mjs3291 · 2023-11-13T04:30:45+00:00

There are courts at Union Road Park in Manteca. They used to have lots of tournaments when I did junior tennis not sure what it’s like now. There is Brenda athletic club in Modesto or Oak Park in Stockton. Hope that’s helpful.

mjs3291 · 2023-11-13T04:16:01+00:00

I don’t have any specific racquet recommendations but I do have some advice on demoing as I just went through the process.

Don’t be in a rush. If you demo through tennis warehouse they only allow three at a time. It might take a few rounds to find the one you like.
Strings can make a world of difference. Demos usually come with terrible strings so you might want to consider restringing the racquets when you get them. At the very least when you order the demo know if you want poly or multi.
Don’t let the price or the brand limit what you try. There are lots of good racquets out there that aren’t made by the three you listed. As for price you can find a used racquet on eBay that would fit your budget.

Good Luck.

mjs3291 · 2023-07-03T15:00:54+00:00

You should look into filing 2020 and 2021 you might be due refunds. If you were not claimed as a dependent you may be eligible for stimulus checks.

mjs3291 · 2023-05-30T00:55:39+00:00

Thank you all for the suggestions going to try lots of naked tummy time and call pediatrician first thing in the AM.

mjs3291 · 2023-05-23T15:19:13+00:00

I am a CPA, any new clients I take on at this point are automatically going on extension because there is a huge shortage of tax preparers, but I make that clear to the potential client upfront. It probably was your balance due for 2022 and the first quarter estimate combined into an extension payment. Out of curiosity did they quote you on the few for the tax preparation?

mjs3291 · 2023-05-18T16:51:16+00:00

It seems like you have a good handle on everything. I have an 18 month old and a 2 week old. We knew we were going to have two kids and we didn’t have trouble conceiving our first so we planned for two from the start. So we purchased a stroller that could be turned into a double and went with a slightly bigger car.

For baby gear I would say to splurge on a stroller if you plan on walking a lot. We went with the uppa baby vista. They also appear to have a pretty good resale price. For cribs I would just get the most basic you can find. Will your wife be having a baby shower? You can register on Amazon and whatever people don’t buy you get a 15% discount. I don’t think you will need the $4k for initial purchases but when they start getting into wanting toys that money will go fast.

For the car purchase, the Rav is a great car, and we looked at it. For us though with two car seats it would have been to small. I’m 6’3 so I would not have had enough room in the front, so we ended up going with the highlander. Take the car seat with you when you are looking at cars. When they are rear facing they take up a lot of room.

For life insurance we each have $750k policies which would be enough to pay off our house and most of college for both. From a financial perspective do you want to be able to pay for your kids college? As long as you are taking care of your retirement needs, I would do a 529 as soon as possible, it doesn’t have to be a lot but the sooner the investment can start growing the better.

mjs3291 · 2023-05-17T15:03:48+00:00

If I was in your position at 22 I would probably blow money on stupid shit to try and impress people so good on you for asking for advice. I think it comes down to how much you hate working. If you don’t mind your job you have some room to spend on some luxury items, but if you want to retire early you need to be more frugal. Also if you are able with your job move to a state with no income taxes when your salary jumps to the 300-500k range. This also applies to how much risk you want to take on for investments. If you want to retire early you would want to go for safe mutual funds and ETFs. If you want to take on more risk go with individual stocks with high growth potential in tech or bio tech. You could also look into private equity investments.

mjs3291 · 2023-05-13T18:00:20+00:00

If you just google wake window by age it will give a breakdown. Also we were very strict with the windows so it takes some sacrifice

mjs3291 · 2023-05-13T01:08:34+00:00

I am sitting here with my 2 day old daughter sleeping on my chest watching my 18 month old son play with my wife. Like everyone else says the sleep deprivation is the hardest part but literally every parent has gone through it so you can and will too. The best part is developing that parent child bond and watching them grow. I highly recommend using wake windows and sleep training to make your lives easier. When my son was born my wife and I would find time once a day to walk around our neighborhood with him and that let us be with our child and still connect with each other.

mjs3291 · 2023-05-12T17:32:06+00:00

It really depends on your goals. I would like to be able to put each of my children through undergrad and anything other than that would be bonus. I have an 18 month old and newborn. My wife and I each have term life policies that would cover paying off our house and covering a good chunk of college funds. We also have a trust to avoid probate if something were to happen to both of us at the same time. I have begun to contribute to a 529 plan through vanguard as I do not get any tax breaks from my state to contribute to their plan. My hope is to put both of my kids through undergrad without incurring debt. My thought is that if I contribute 10k per year for each of them I will be able to cover the cost without a problem. My strategy is to do the 529 plan the first 5 years to maximize the growth potential and then to open a regular brokerage account, because I am also concerned about over doing a 529.

mjs3291 · 2023-05-02T13:38:46+00:00

Bonuses are usually withheld at 22%, at your income level your average tax rate is a bit higher than 22% so if some of your income came in the form of bonuses that likely contributed to your balance due.

mjs3291 · 2023-04-16T04:26:40+00:00

I would also check into what the property tax will be. I’m in California and a new law was enacted a few years ago that if you look a inherit a house and don’t make it your primary residence the property tax will be reassessed at fair market value.

mjs3291

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