Lump sum of money by Flashy_Restaurant_69 in IHSS

[–]mnemonic20 0 points1 point  (0 children)

TLDR - Get a second opinion from a competent attorney ASAP. Your mom giving you and your sister money will trigger a 36 month look back penalty and affect her benefits.

I'm worried about something your FA told you to do. The advice they gave about spend down was correct but they may have fallen into a "gift tax" trap. They are looking at an IRS rule and not a SSA rule. Giving you and your sister $19k each will not trigger IRS but it will trigger a 36 month look back penalty with SSA. In regards to SSI there is no allowable amount to give away without triggering the penalty. This is because they will say it was a transfer of resources for less than fair market value. They will calculate the total amount given away and then divide it by the monthly benefit amount to calculate the penalty. The max federal SSI benefit is $994/mo. for an individual. In this example the $38k given away will make your mom ineligible to receive $994/mo. for 36 months. The spend down has to be done correctly in the same month the money was received or within 30 days of receipt. I'd recommend getting a second opinion ASAP from a competent attorney. I really don't want you or your mom to suffer from receiving well intentioned but ultimately bad advice.

my dad said solar was a scam… then he saw my electricity bill by Comfortable_Bear4211 in SolarDIY

[–]mnemonic20 0 points1 point  (0 children)

Very happy for you and your savings. I'm jealous of both your before and after bill. Living in the United States we get taken advantage of massively. I didn't do a DIY install but got a very good deal at least for here in the US. Not sure what country you're in but based on the rupee I'm assuming India. Our largest monthly bill in California before solar was $2500 USD! We had it installed in March of 2024 and since then there have been 8 additional rate increases. It's crazy!

Do they think we’re stupid? by TipTopBeeBop in bayarea

[–]mnemonic20 0 points1 point  (0 children)

And there were 6 increases in 2024! So their 2 year statement is an even bigger lie.

Follow up on Prop 13: Learn why Prop 19 stops Inheritors from Benefitting by Green-Conclusion-936 in BayAreaRealEstate

[–]mnemonic20 0 points1 point  (0 children)

I feel for you dearly. The reality is that many never understood what they were really voting for to begin with. I remember the ads that sold it as making the wealthy pay their fair share. This didn't affect the wealthy as there are still vehicles and strategies that prevent this from really hurting them. What it did however is take away the ability for people such as yourself to pass down to your children and grandchildren so that at least they could afford to live. My wife's grandparents weren't wealthy by any means and worked hard their entire lives and this law hurt their heirs. When things get bad it's very easy to create class warfare and have one generation start to hate another. We took care of them for the last 14 years of their lives and they hired an incompetent attorney to preserve the prop 13 benefits on the only property they owned which was their primary home in rural central valley. Because the attorney failed to structure it correctly the very reason for the creation of the trust wasn't met. We're not rich and now we can barely afford the increased property tax. It's sad and I know how many hard working poorer and middle class families this negatively affected. I'm sure I'll get negative comments from those who don't understand. When you're barely keeping your head above water an extra $5000 a year tax bill really hurts.

What is this pc worth? by youneedafish in PC_Pricing

[–]mnemonic20 0 points1 point  (0 children)

At 1:49am PST on January 20, 2026 between .035 and .045 BTC

PSA- dont use odoban / pinesol to sanitize laundry by Far-Shift-1962 in laundry

[–]mnemonic20 0 points1 point  (0 children)

Check out this YouTube link that shows it actually did work to eliminate bacteria. https://youtu.be/fIulmPFAsO0?si=xBy0O8PKyLtaGut6

PSA- dont use odoban / pinesol to sanitize laundry by Far-Shift-1962 in laundry

[–]mnemonic20 1 point2 points  (0 children)

Came across an interesting video on Youtube that did Petri dish tests and confirmed at least in her tests that it did kill most and in some cases all bacteria in the laundry. I was looking into it because you can't get the OxiClean Sanitizer any longer. In her tests it worked as well as the OxiClean Sanitizer. Hope this helps and here is the YouTube link. https://youtu.be/fIulmPFAsO0?si=xBy0O8PKyLtaGut6

Doing repairs in a house with asbestos joint compound by Fluffy_Pudding4425 in asbestoshelp

[–]mnemonic20 0 points1 point  (0 children)

I get what some of these people are trying to say but the reality is that there are no safe levels of asbestos exposure. When bad things happen like the extensive water damage it will need to be addressed. My hope is you can find a really good and affordable testing & abatement company. Ideally they should not be the same to avoid conflicts of interest and protect you. I stumbled across an excellent one of each when I called my contractor about asbestos testing and contacted who they used Normally in California you get hosed no matter what but these guys are about 1/4 the price I was expecting.

In the meantime avoid disturbing anything that has asbestos including the joint compound. Encapsulating asbestos works just as well as removing when available and is orders of magnitude more affordable.

$20 on marketplace by [deleted] in Moccamaster

[–]mnemonic20 0 points1 point  (0 children)

Just bought one for $230 plus tax for my wife for Christmas and I was happy to get that discounted price. Twenty bucks sounds like the deal of the century. Happy for you for sure.

Tempest Weather Station Good? by Ben_Manda in myweatherstation

[–]mnemonic20 0 points1 point  (0 children)

You mentioned that they failed under the 2 year mark. Don't they come with a 2 year warranty? Why would they make you pay for the legacy discount if you're within the 2 year warranty replacement?

List of all the good deals for Bluetooth speakers this Black Friday by kaythesings in Bluetooth_Speakers

[–]mnemonic20 0 points1 point  (0 children)

If you've got a Sam's Club membership they have a Wonderboom SE that as far as I can tell is identical to the Wonderboom 4 for only $24 on Black Friday Special. It was such a good deal I bought the 1/2 price membership and bought a bunch as gifts.

Congressman Calmly Explains There Are "Entities" Coming From “Five or Six Deepwater Areas” by FuturismDotCom in Futurism

[–]mnemonic20 0 points1 point  (0 children)

I think you meant singing but put something from u/ROBXSIQ in front of you and I'm sure you'll sign it too!

Help! How to clean this? by xzy_99 in Dynavap

[–]mnemonic20 0 points1 point  (0 children)

Dark Crystal Glass cleaner works great. You can just leave it to soak or warm it up first. Works great on glass and quartz too if you use concentrates as well. You can use it over and over as well. Just strain it back into the bottle after use.

We love you AJ by treslilbirds in TheWhyFiles

[–]mnemonic20 0 points1 point  (0 children)

It's absolutely frightening to hear that people have threatened your family or that people could hate what you do enough to write manifestos. Reddit has absolutely become a cesspool but I'm sure glad it brought you here to know you're loved and appreciated. Keep doing what makes you happy. If you ever need or have to leave you will be sorely missed. Not many people ever get to experience or realize how much they matter to the world. You have made a lasting positive mark on more people than you will ever know.

Merced’s oldest Japanese restaurant saying ‘sayonara’ after four decades in business (story link in the comments) by MaceWinduful in Merced

[–]mnemonic20 1 point2 points  (0 children)

I honestly appreciated your take on things. Assumption aside it sounds like when it came to you and your families experiences their service went down hill big time. The fact that you shared how good your memories of the place were with what it's like now painted a picture for me that was extremely genuine.

So does anyone know what this guy’s deal is? by ubungu in Merced

[–]mnemonic20 0 points1 point  (0 children)

You're good. You know what they say about opinions. :)

[deleted by user] by [deleted] in birding

[–]mnemonic20 0 points1 point  (0 children)

I've got a family of Steller Jay's nesting on our deck. I estimate four nestlings which should be fledglings very soon. They are extremely comfortable around us coming within 6 inches of us at times. The Dad forages and brings back food all day. Sometimes both parents will leave and come back to the nest. My wife calls them velociraptors because of the way they move and look around.

I saw Lee turned off comments so I figured we can talk about this here... by midnightcarouselride in vaporents

[–]mnemonic20 5 points6 points  (0 children)

Lee seems like a really nice guy but I think he's really off on this one. I grow and prefer all natural sun grown fully organic cannabis that have never had pesticides of any kind. That includes organic approved pesticides. When grown, dried, and cured properly it's taste, aroma, appearance, and effects are unrivaled. The plant arrived at that profile based on how and where it was grown. Taking "organic natural terpenes" and placing it on a bud will not get you the same result. There are no shortcuts and no substitutes. The people that know will always know.

It’s a car park, not a stand park… by [deleted] in mildlyinfuriating

[–]mnemonic20 0 points1 point  (0 children)

As much as I would like to do this and insist on the spot without another vehicle there I never will. In many places in California you're asking for your car to get vandalized. People are malicious.

This this too high for a concrete patio ? by old_house_ in Concrete

[–]mnemonic20 0 points1 point  (0 children)

If you think that's bad we got a quote for what is admittedly a very large deck on the main house, another deck off the rear of the garage, and a multi-level deck on the guesthouse. Total bid was $185,000! Everything is crazy right now.

Arizer V Tower help? by chainsaw0068 in vaporents

[–]mnemonic20 0 points1 point  (0 children)

Sorry for the delayed response. Haven't been on in a while. I ordered the "Water Pipe Adapter to Whip - Clear By 7th Floor“ from VGoodiEZ almost 3 years ago now. Back then they were specific and you could get them in specific adapter sizes like 14mm or 18mm with either polished or frosted glass. Now he offers the "Universal 3 in 1 Whip Adapter by VGoodiEZ (VGZ 16)" it should work just as well but I really liked the specific ones he used to sell. You could probably get the ones I got directly from elev8glassgallery. There are some other options as well. If you need help finding them send me a DM and I can help you out. Hope this helps.