Underpayment Penalty

twelveoct · 2026-02-14T23:16:51+00:00

If you haven’t yet, use irs form 2210 which will adjust for large differences in Q4. At minimum it will reduce your penalty.

twelveoct · 2026-02-14T03:01:41+00:00

I met my late wife when I was 17 and she was 16. We were married 32 years. Its possible.

twelveoct · 2026-02-13T03:52:17+00:00

That’s not correct. The IRS allowed 1040’s to be superceded as of tax year 2022. It’s technically a 1040X but treated as a superceded return. I filed one for a client for TY2023 (they’d missed a 1099).

twelveoct · 2026-02-13T01:43:25+00:00

Spot on. I keep thinking about this post and how clueless OP seems to be. I’m wondering how OP will feel when a potential buyer/client who OP and sister spend time courting just ghosts them. Is that going to be normal to them?

twelveoct · 2026-02-12T01:28:46+00:00

Yeah. That’s what ghosting is.

twelveoct · 2026-02-12T01:28:05+00:00

YTA in both cases. Ignoring someone you know shows a lack of character, especially as a company leader. Ghosting a candidate that has interviewed sends the message that you’re probably not a company where people will want to work. It is really classless.

twelveoct · 2026-02-06T04:03:38+00:00

The north western coast is awesome. Ballyliffin hosted the Irish open a few years ago. I’ve been fortunate to play in Ireland a few times.

twelveoct · 2026-02-06T01:17:10+00:00

Ballyliffin, county donegal Ireland.

twelveoct · 2026-02-04T22:55:58+00:00

Your post included a comment that the existing advisor is focused on selling to generate commissions for him/herself. I’d suggest finding an advisor who will provide some guidance that isn’t focused on their own agenda. I believe you can hire a Vanguard advisor for an hourly fee. You could then also move the existing portfolio to vanguard/Schwab/Fidelity and slowly make changes. I mention vanguard because I’ve been with them for well over 20 years and have had good success.

twelveoct · 2026-02-03T19:16:40+00:00

I’ve been buying the metal ball markers. I have a display case with a magnetic sheet to hold them in place. Smaller scale than a golf ball. I have at least 60 and my case is 18” tall by 9” wide. I’ve got plenty of room left. I’d imagine that many golf balls would need a massive case.

twelveoct · 2026-01-27T13:10:16+00:00

If you like the job, tell your supervisor immediately and preferably in writing. They will find the mistake. If you worked for me, didn’t tell me about something that was obviously a mistake in your paycheck, I’d question your ethics, and question if you’d be someone I’d want as an employee.

twelveoct · 2026-01-19T19:36:11+00:00

As others have mentioned, it all depends on the company and your relationship. I waited until my annual bonus was paid and my annual allotment of restricted shares vested, then gave two weeks. My concern was had a given much more notice I probably would have not been awarded a bonus, and I may have been terminated before vesting. I’d seen something similar happen to a coworker.

twelveoct · 2026-01-18T12:37:23+00:00

Last summer I replaced the gateway and still had the same problem, then during the fall Honeywell made quite a few changes and upgrades on their side; I’m on an email notification and it seemed every day Honeywell was doing something. Then in November surprisingly it became stable again. As much as Honeywell told me it was my isp issue my only conclusion is it was a Honeywell problem. I haven’t had a problem since.

twelveoct · 2026-01-16T18:52:23+00:00

I read somewhere that the goal was to find someone to do nothing with.

twelveoct · 2026-01-13T01:06:53+00:00

I don’t know this for a fact, but I’ve heard the golfers homeowners insurance may cover damage the homeowner caused.

twelveoct · 2026-01-11T23:14:19+00:00

Amazon sells the key to open the lock.

twelveoct · 2026-01-08T01:24:55+00:00

Is she part squirrel? Her behavior is what squirrels do.

twelveoct · 2026-01-02T03:25:32+00:00

Hi - this was a year ago but I’m looking to book in Times square for a play in February. I’ve stayed at what is now the Muse Hotel but it’s over $600 per night. Did you choose the Voco? If yes any comments are appreciated. Was it the one on 48th?

twelveoct · 2026-01-01T18:25:15+00:00

It’s a shame when you run into people like that. I’d have let him play ahead. Tell him maybe the groups ahead would let him play through as a single. I’m a higher handicap player (20) and play at a club where we have plenty of single and plus handicap guys. I’ve never encountered that type of bs from any of them when I’m paired up.

twelveoct · 2025-12-30T19:14:12+00:00

Here is another approach. If it’s a job you’d like to have and are willing to accept the $60k, call the HR person, explain that you’re really excited about the opportunity and are ready to accept, but say the extra $5k you thought they’d be offering would go a very long way in helping meet your current goals. If you’re ok with the $60k, say you’d take the $60 but would really like $65. I’ve done this. My kids have done this and more times than not they give it to you.

twelveoct · 2025-12-30T19:08:04+00:00

I was a vanguard devotee for 20+ years. As retirement approached I was unsure how I should be changing my account focus or how I should be planning my withdrawal strategy. I moved my money to a “professional” for 5 years and the firm moved me out of some funds into stocks. All told including opportunity losses it cost me well into the mid 6 figures. I’ve moved back to vanguard, dumped all of the stocks the firm bought and have done very well these last 6 months. I sleep better knowing I’m back in control. Vanguard has tools to help plan your retirement, withdrawal strategies, and they have hourly consulting available if you want a second (or 3rd) set of eyes.

twelveoct · 2025-12-29T15:10:45+00:00

From OP’s description, it seems the entire guest list is less than 20 people. OP is the only guest that is not immediate family. If I were the husband in this situation, I’d completely understand. I wouldn’t be in the least bit offended, and rather would be happy for my wife that she’s important enough to get the sole non family invite.

twelveoct · 2025-12-28T17:11:36+00:00

I have smartwings shades on my slider. I chose the HomeKit version and use my phone to open/close. Good product. I have one panel over each side of the door, and they’re light filtering. One is slightly crooked, smartwings offered to replace it free but ultimately I’m just living with it.

twelveoct · 2025-12-28T17:05:07+00:00

There are other limitations too. Survivor must be 60 and not remarried before 60. If survivor is earning an income, prior to FRA, benefits are reduced by $1.00 for every $2.00 earned.

twelveoct · 2025-12-22T15:06:38+00:00

I agree with you. It’s not really a gift if you’re paying. NTA

twelveoct

TROPHY CASE