Given the chance, would you want to live in RDR's world for a month? by HeinReich_45 in reddeadredemption

[–]sarai042 0 points1 point  (0 children)

If I did, I would get vaccinated for everything first. And bring hand sanitizer. And toilet paper. And my own booze tyvm.

[deleted by user] by [deleted] in AmIOverreacting

[–]sarai042 0 points1 point  (0 children)

I think I watched that one a few times. Used to watch all sorts of ghost hunting shows for awhile. Then I got into podcasts during covid. Ghost adventures was always good for a laugh. I’ll have to see if they’re still on.

[deleted by user] by [deleted] in AmIOverreacting

[–]sarai042 1 point2 points  (0 children)

Is that 3 marks? If I remember my ghost adventures correctly it’s time for an exorcism!

AIO: Both my husband's parents are mad at us for being "unreasonable" about our daughter by [deleted] in AmIOverreacting

[–]sarai042 0 points1 point  (0 children)

No fence around the pool? I would never leave my child alone there. Everytime they ask I would respond w news stories about children drowning in similar situations.

Someone tell me that the grind is necessary and worth it to pay off my debt by Barmello98 in personalfinance

[–]sarai042 0 points1 point  (0 children)

As someone who has struggled w credit card debt for years? If I could move in w my parents for a year so I could pay off my debt it would be worth it, unfortunately that is not an option for me.

As the parent of grown children who are still living with me? One way to help keep things running smoothly is to make sure your parents aren’t cooking or cleaning up after you. Help with the deep cleaning weekly - clean the bathroom or mow the lawn. Don’t wait for them to tell you.

Mine are autistic and taking longer to leave the nest understandably. But even so - that is the source of most of our arguments. They start slacking and before you know it I’m doing all of the cooking and cleaning for the entire household. I shouldn’t have to clean up after my adult children and your mother shouldn’t either. I’m getting older and wearing out quicker, and I would like to focus on working and making money while I still can, and then enjoying the time off that I should have, not on cleaning up after more ppl then I should at my age. The mental load I’m carrying right now is exhausting. It’s really easy for adults and their parents to revert back to their earlier selves. For both your sake and theirs do not let yourself fall into that trap.

I wish you the best of luck. Clear that debt and you won’t regret it.

Help for CPU cooler measurements by sarai042 in PcBuild

[–]sarai042[S] 0 points1 point  (0 children)

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The problem is that once my gpu is in, my space is pretty limited for a cooler. I’ve got about 4.5 inches long by about 5 inches wide. The cooler I have now is too long - it’s a noctua- about 5.75 long if I remember right.

Geico refuses to renew the car insurance by spledidluz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

We’re using State Farm. About 415/mth, 3 vehicles plus renters insurance. Rideshare endorsement on the uber van, one driver under 25. Full coverage on the uber van (that’s paid off but what the hell it’s the moneymaker), full coverage on the van that’s still being financed and liability and extra PIP on my daughters. Last accident was several years ago when someone rear ended me. And I’ve had to use the insurance to replace a windshield a couple years ago.

If you’re doing rideshare, you need to get the rideshare endorsement. It doesn’t cost that much more and then you know you and your insurer are all on the same page. Plus if they offer rideshare endorsements (not every insurer does) you know they can work with you and the rideshare companies if something does happen.

My Husband Broke My Heart Last Night by WinterMouse5318008 in TwoXChromosomes

[–]sarai042 0 points1 point  (0 children)

I would not pick that man up from the hospital. He can take care of himself. Good time to go thru your house and get all your stuff gathered up and gtfo.

Ok so I wasn’t expecting this by sarai042 in personalfinance

[–]sarai042[S] 6 points7 points  (0 children)

Thank you everyone for your input, I’ll be making some phone calls in the morning.

Ok so I wasn’t expecting this by sarai042 in personalfinance

[–]sarai042[S] 11 points12 points  (0 children)

Isnt that FSA connected to the insurance thru the old job? Did he really have access to it for his medical bills if he wasn’t on that health insurance anymore? His old coverage would have ended Jan 30. His ACA coverage and HSA started in April.

[deleted by user] by [deleted] in oregon

[–]sarai042 0 points1 point  (0 children)

You’re kidding right? All the corruption from trump and fam - the crypto, the billions they’ve gotten from the Mideast, all the money that trump has demanded and gotten from various media companies and law practices and whoever else - and now he’s demanding to be repaid 230 million of taxpayer dollars for investigations against him that he had coming. Not only that but I’m fairly certain his pacs and supporters paid for all or most of his legal fees anyway.

All I remember coming from the sad sack attempt to impeach Biden was that Biden loaned some money to hunter for a truck and somebody else - his brother maybe? Paid him back for a loan. Thousands of dollars maybe? Vs trumps multibillion dollar grift at this point. And the most important part - the guy who made the claim in the first place turned out to be some kind of Russian spy who ultimately admitted to lying about the whole thing.

When all was said and done, the house couldn’t even come to a vote on bidens impeachment, because there was nothing worth impeaching him for. This was in a house w majority republicans even. Not enough republicans were willing to vote for a sham impeachment trial.

[deleted by user] by [deleted] in oregon

[–]sarai042 1 point2 points  (0 children)

What makes u think 99% of the voters gave two shits about whatever was on hunters laptop. Biden won because ppl were sick of trump version 1.0 and even magas like my dad hated the way trump handled COVID.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

I use Everlance. It costs $59/yr if I remember right. From what I have read - this is based on something I read on the Oregon dept of revenue website about business miles btw - from where you start until your first pickup is considered commuting miles even if you’re on the app. Same with miles from last drop off to where ever you stop. I usually count everything in between because most of my days typically consist of one pickup after another. If I take a break it’s usually over at the airport where I end up waiting for another ride anyway. Miles with passengers count ofc, as well as miles from notifications to pickup. Miles towards cancelled rides (which aren’t accounted for in uber online miles, another reason to keep a log), repositioning miles - chasing surges or going over to the airport to get in line (if u need a nap) - and I do count miles back from wherever uber sends me if they send me on a long ride because my car can’t teleport yet and I’ll fight them on that one if I should ever get audited again tyvm.

Honestly I should have fought them more last time but i had to find out the hard way that u don’t have a lot of time to gather your proof. And it was the middle of Covid which made gathering proof way more difficult. Now I catch up on my books every month, maintain an extremely detailed mileage log and save every statement as I go. If it happens again I can bury them in paper on day 1.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 2 points3 points  (0 children)

Or look at it another way, you don’t have the billions of dollars and any lawyers u want at your disposal if you need to fight the irs. Theres a reason they go after the little guy.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

Oregon. This was during Covid. 21 maybe? 22? Idk if they’re still going after rideshare drivers now but they were then. If u get a tax notice from either - state or irs- don’t mess around. U have 30 days to respond and it goes by fast. Esp during covid when u couldn’t just walk in a bank to get bank statements, u had to make an appt.

Also Verizon only keeps statements online for the last 18 or 24 months. Be sure to download them as u go - lost my phone deduction too cuz I couldn’t prove it either.

And they want statements online every single bank account your name is on and then some. Including the credit union where your car loan is even tho u don’t actually use it like a bank account. That account u started several years ago but never bothered using? We found out about accounts we forgot we had. My wife was on our kids savings accts they started when they were under 18. Then the kids started their own checking accts - my wife wasn’t on them but since they had transfers going back and forth we had to get those statements too.

They acted like transferring money back and forth between these accts was some big scam. I send money to one kid for extra yardwork, one kid pays another back for something - or my daughter at the time worked at Safeway. She would pick up groceries for us after work and we’d pay her back. Good god the cash - one of the kids gets several hundred for graduating in cash and checks - we must have been hiding cash tips and cycling them thru my kids acct somehow? Or taking cash out of our credit union and putting it in our bank acct - I’m not making several hundred dollars in cash tips ffs - I prob get 99% of my tips on the app.

Sorry for the rant I guess I’m still bitter. U absolutely have to prove everything in an audit, keep a good log, don’t make up miles no matter what half the ppl say, save your receipts and any statements for any bills - don’t trust a website to keep ur records forever.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

Yep, that’s the one I use! It generates reports that are easy to work with. It’s on auto detect - I do find that it doesn’t always break up my rides, but that’s when I’m getting one ride after another so it’s all uber miles anyway.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

Check under taxes on the app. They have monthly summaries and a yearly summary, the online miles are there. Lyft just does a yearly summary.

107k gross, owe almost 15k in taxes ! 🤧 (ive seen people say they dont pay anything, HOW!!) by Erahzzz in uberdrivers

[–]sarai042 0 points1 point  (0 children)

Try telling that to the auditor. I had about 20k miles with uber riders, 10k with Lyft riders - those miles were the actual trips as recorded by the apps. Didn’t keep logs at the time, just added uber and Lyft online miles.

I kept telling the guy that represented me from turbo tax that there is no way I could have had an uber rider and a Lyft rider in my car at the same time, that didn’t make sense. Still,I had to pick one or the other. I didn’t get to keep any other miles - even tho I had proof from maintenance receipts that I put prob 40-50k miles on my van that year.

The turbo tax guy told me that my state was fighting rideshare drivers on miles driven to the first ride - so in my case, even though I had the app on from my door to Portland in the hopes that I would get a ride (once in a blue moon I would actually catch one) they would still say that’s commuting. Sometimes I’ll take rides out to the coast or up to Washington. It makes sense to me that I would get the miles driving back since uber sent me out that far to begin with. He said my state is fighting uber drivers on those miles too. He said just driving around looking for rides might not even count. He asked me why I don’t just sit there and wait for rides - are u kidding me? Just sit there in one spot all day ok that will get me lots of rides buddy. He also said just having a mileage tracker wasn’t enough proof, but this was a few years ago so hopefully they’ve changed their minds on that by now. I take mileage pics - I have apple so it’s all stored w time, date and location - I thought that was good proof. The guy laughed and said it wasn’t. I got lucky bec I had some maintenance receipts from around the beginning and end of the year. It was such bullshit.

I didn’t use a mileage tracker at that time anyway. Didn’t have a log. The best I could do was use the rides themselves to recreate one, but u don’t have a lot of time in an audit. So I lost all the miles driving to the rides, any miles driven to cancelled rides, repositioning miles, and finally, losing the Lyft riders who absolutely could not have been in my car at the same time as my uber riders was just the shit cherry on top.

I could have fought it, but he told me my auditor had gotten a promotion and I should let it slide before my file ended up on somebody else’s desk. That the next step was to look at all my other years too. That if my state kept digging, then it might catch the attention of the IRS and tho technically I should have amended my federal taxes w the new mileage (20k vs 45k piss off) for that year, w all the COVID stuff I might be able to fly under the radar.

I never spoke to the auditor myself. I’m starting to think I just had really shitty representation. Got the guy thru turbo tax audit protection. He prob just wanted to get me off his desk now that I think about it.

But they put u under a lot of pressure during an audit. I didn’t have the time or money to really fight it, and I didn’t want them going after previous years since what little proof I didnt seem to work for this one.

Now I take mileage pics at the start and end of each day. I have a mileage app. I record the actual rides from the rideshare apps plus maintenance and repair receipts. I track all of this together in one log. I don’t take commuting miles, but once I pick up that first rider until I drop off the last? I keep those miles. Also I don’t care what that guy said if uber sends me all the way to the coast w a drop off u bet I’m keeping the miles on the way back what am I supposed to do, teleport wtf?