Flores income tax fort worth texas

Texas State Texas State @ TCU TCU
Game Start Time: 3:30 PM ET
Location: Amon G. Carter Stadium, Fort Worth, TX
Watch: FSPN2

Team	Coach(es)	Offense	Defense
Texas State Texas State	dsimmons_2001	Pro	4-3
TCU TCU	whatinthectf75	Pro	3-4

Texas State Texas State

Total Passing Yards	Total Rushing Yards	Total Yards	Interceptions Lost	Fumbles Lost	Field Goals	Time of Possession	Timeouts
0 yards	0 yards	0 yards	0	0	0/0	0:00	3

TCU TCU

Total Passing Yards	Total Rushing Yards	Total Yards	Interceptions Lost	Fumbles Lost	Field Goals	Time of Possession	Timeouts
0 yards	0 yards	0 yards	0	0	0/0	0:00	3

Clock	Quarter	Down	Ball Location	Possession	Playclock	Deadline
7:00	1	1st & 10	-1 TCU	TCU	03/23 08:49 AM EST	04/01 08:49 AM EST

Team	Q1	Q2	Q3	Q4	Total
TCU	0	0	0	0	0
Texas State	0	0	0	0	0

Unable to generate play list
Waiting on a response from dsimmons_2001 to this comment.
^{Admin: Restart Edit Texas State Edit TCU Rerun play Pause Chew Abandon}

Nagbook na kami ng partner ko sa free HK eme na yan. Second time na namin mag book ng flight ng hindi kami matutuloy.
Nag plan ako and gumawa ng budgeting sheet, super light lang. Mandatory 15k gastos for flights, taxes, transpo sa HK, and hotel per person, pero after non optional na lahat (kahit pagkain lol).
Nag lista ako ng mga activities na baka gusto niyang gawin rin, and total mga 30K lahat lahat. Di naman need lahat ng activities gawin kasi di rin naman kasya sa oras, pero nakalista lang siya. Sobrang shocked niya. Nagalit.
Nung una, ang sama lang ng loob niya na di kami same ng kita (6 digits ako, mid 5 digits siya) and na iniisip niya how long niya kailangan bumawi sa gastos. Mga 6 months daw. Alam ko naman 10K naiipon niya each month, so naisip ko.. mga 2-3 months lang naman (which is how long we had before the trip to save rin). I kept it within budget as much as possible and everything aside from the basics are optional.
Tumahimik nalang ako after niya mag salita about sa gastos. Then sabi niya tabi kami, magusap kami, okay. Naglabas siya ng sama ng loob mga mhie. Nag sabi na di lang siya matravel, di niya magets bat may gumagastos ng ganon in three days. Na he's worried he'll go and won't enjoy and sayang yung 30k. Na para saan ba yon kung picture and experience lang. Sabi niya pa if he doesn't like it or think it's worth it one week after the trip, we'll not travel again hanggat pantay kami ng salary.
Gets ko naman, traveling is not for everyone. Pero pota eto na nga lang gusto kong gawin, di niya pa magawagawa. Sabi niya pupunta parin daw kami, nageexpress lang siya ng feelings. But damn. How can I still want to go if naririnig ko sobrang ayaw niya pala? Nagagalit siya na pinilit ko siya bumili nung mga free na ticket sa HK (medyo 4k parin gastos) kahit na ako rin naman nag bayad. Wala pa siyang kahit anong binayaran. Sabi ko mag cancel nalang kami, kakainin ko yung cost na nagastos. Nung una, galit pa siya, sabi niya that's not his point. Then, nagalit siya and nagagree, bakit nga ba kasi kami nagppano or nagbook.
Mga mhie, naglalabas ako dito ng sama ng loob. Alam kong hindi maganda ginawa niya. He essentially projected his income insecurity to me.
Sabi niya pa nga "I was hoping na you would ask me how you can make it better" and I said "I know naman how I can make it better: by subsidizing it. But i was still thinking about it."
Anyway ayon, away lang kami. I was calm, never raised my voice. He kept raising his voice, getting mad na we booked in the first place. I focused on calming him down, saying na hindi na nga kami pupunta, wag na siyang magalit. Naiintindihan ko siya, na sorry I booked it at all and I won't do it again. I held it together like a champ para lang di mag escalate. Pero shet mga friends, ang sakit talaga. Masakit parin. I was really looking forward to travelling. Gets ko naman, lanat ng likes ko kasi may gastos, sakanya ang gastos is sa car niya and tangible siya. I guess it just sucks, kasi I was really hoping for this one.
Anyone wanna go to HK with me nalang? 🥲

For such a common experience, I didn't expect it to be so difficult to find quality information.
Any help is greatly appreciated.
I'm moving to London for a couple of years to work, and I'd love to know what I need to do to minimise the drag on finances.
A little bit about me:

• 29 y.o.
• Goal is FIRE without missing out on too much of the here-and-now
• $70k in super (currently focusing on maxing super and would like to keep doing so while overseas if it's worthwhile)
• $60k in VDHG
• $50k in Commbank shares
• $15k emergency fund (3 months income)
• No property
• No debt
• Basic private health insurance (is it worth making any changes for MLS/LHC?)
• Dual citizen with a UK passport (I know that Australian residency is a big factor for tax, but I'm not too clear on how that's determined)

If you know any good resources or can help out any of the above, please sing out.

Is this an impulse decision or not. Can't tell if its the brain or the trauma. Too many parts.
Help! Is this an impulse decision or not. I can't tell if its the brain or the trauma...
NOT US. (Third world country i.e. There is no government support of any kind) This is going to be a long one. I'd appreciate it if you'd read through it, but if you can't
TLDR; My toxic 52h/week with 20+ hours shifts workplace is actively traumatizing me. I have food, housing and utilities covered. I just want to quit so I can focus on building skills to change careers. Is this smart?
Hey guys. Please help me with this. I've been struggling with this. I work in healthcare as a junior doctor. I had a greater than 1 year career gap after graduation and was surprised to be hired to the place I'm currently working as I felt unemployable. It's a dead end job with no progression because I can't pass the exams needed. Some background this is the same hospital where I worked during my graduation.
After a few months of trauma-therapy, about over a year of inner child work, and I've finally discovered why I'm stuck acedemically/professionally. Aside from my cognitive weaknesses this line of work is associated with alot of trauma for me (something I just uncovered in therapy). I've decided I'm ready to change careers. I never had the chance to work through what I liked during my early days so I don't know what would work for me and I want to give myself time to discover and learn so I can actually build a career for myself but I understand that it isn't realistically possible. I found a master's programme that really interested me and will atleast be able to provide me with a stable, well-paying, 9 to 5 if nothing else. In my country pays are shit and no decent jobs unless you have a masters atleast. I need to study for GRE and get a good score if I'm to get in. I need time and low stress in order to be able to manage by executive dysfunction enough to study and with my current job I haven't been able to at all and the entrance test is in two months.
My last shift I had an even more traumatizing experience at work. A new supervisor, in a gathering of about 15 colleagues and students proceeded to call me out regarding my decisions and assessments for appropriately 20 mins in front of the patient's family it wasn't even formal calling out but just literally shit talking me. My senior didn't assess the patient like they had to. (I'm very poor knowledge-wise and haven't been able to cope with it to this day but work hard so am considered a decent worker). They said someone complimented me and I guess they were trying to judge if it was warranted. "you don't know how to do this!?" "you've probably never done this before, have you?" "don't lie to me" " no way she did this" " asks me a question and I reply to the best of my shit knowledge proceeds to make fun of my answer" "where do you think youre going come back here" "don't stand over there stand infront of me" "is your stethoscope old? What brand is it? (implying I'm using a shit one" " laughs I asked you to take it from me why are you coming here?" " referring to group she isn't listening is she?" "looks like you've never done this before" "you need to study" you get the gist. On a sad side note: You know how we're always taking about how our trauma symptoms are defences in childhood I actually experienced it play out in real time when this happened and lol I believe it now. If it wasn't for dissociation I don't know how I would've gone on through the day.
I'm tired. So done. A part of me says just quit immediately and start studying for your masters and focus on building skills for a job. Another part says to not quit until you have another job lined up but the response to that is you've been trying to do this for a while just accept that you're not capable of building skills while also working here with all the trauma work and symptom management you have to do in general and also because of your job so can't build skills and manage symptoms and work and also apply to new places like today hustling worker. I really want this masters and I really want an engaging fruitful career. I'm afraid if I quit ill end up back to the state I was in during my career gap (super suicidal literally the worse mental space I've been in) but another part says you're not the same person anymore. 1 of my two primary abusers doesn't live with me anymore and I have much better symptom control. BUT another part says you'll loose your income and so your super expensive trauma therapist approximately 30% of my salary went into trauma therapy but the results are incredible so I feel it was totally worth it and alot of my salary goes into what I call cptsd-tax. The reply is well you can get into freelance work.
Anyways I'm so unsure and my mind feels like it'll explode. Thoughts? After crying and feeling like shit all day some parts of me are beginning to feel resentful towards me that I keep putting myself in this situation. I'm not in crisis-mode that much I can tell and I'm not fleeing from process which means I'm not in a flight or fight state either. I want to take the risk and quit but I feel like I'm yearning for validation in this decision. As I type this I'm hoping everyone says yeah go quit ASAP but I know logically that won't be the case. I'm so confused but also feel a little certainty that even if I did quit I'd make it somehow. Let me know what you think I'm desperate for support.
Thank you to anyone who read this. I apologise of any formatting issues as I'm on mobile.

NOT US. (Third world country i.e. There is no government support of any kind) This is going to be a long one. I'd appreciate it if you'd read through it, but if you can't
TLDR; My toxic 52h/week with 20+ hours shifts workplace is actively traumatizing me. I have food, housing and utilities covered. I just want to quit so I can focus on building skills to change careers. Is this smart?
Hey guys. Please help me with this. I've been struggling with this. I work in healthcare as a junior doctor. I had a greater than 1 year career gap after graduation and was surprised to be hired to the place I'm currently working as I felt unemployable. It's a dead end job with no progression because I can't pass the exams needed. Some background this is the same hospital where I worked during my graduation.
After a few months of trauma-therapy, about over a year of inner child work, and I've finally discovered why I'm stuck acedemically/professionally. Aside from my cognitive weaknesses this line of work is associated with alot of trauma for me (something I just uncovered in therapy). I've decided I'm ready to change careers. I never had the chance to work through what I liked during my early days so I don't know what would work for me and I want to give myself time to discover and learn so I can actually build a career for myself but I understand that it isn't realistically possible. I found a master's programme that really interested me and will atleast be able to provide me with a stable, well-paying, 9 to 5 if nothing else. In my country pays are shit and no decent jobs unless you have a masters atleast. I need to study for GRE and get a good score if I'm to get in. I need time and low stress in order to be able to manage by executive dysfunction enough to study and with my current job I haven't been able to at all and the entrance test is in two months.
My last shift I had an even more traumatizing experience at work. A new supervisor, in a gathering of about 15 colleagues and students proceeded to call me out regarding my decisions and assessments for appropriately 20 mins in front of the patient's family it wasn't even formal calling out but just literally shit talking me. My senior didn't assess the patient like they had to. (I'm very poor knowledge-wise and haven't been able to cope with it to this day but work hard so am considered a decent worker). They said someone complimented me and I guess they were trying to judge if it was warranted. "you don't know how to do this!?" "you've probably never done this before, have you?" "don't lie to me" " no way she did this" " asks me a question and I reply to the best of my shit knowledge proceeds to make fun of my answer" "where do you think youre going come back here" "don't stand over there stand infront of me" "is your stethoscope old? What brand is it? (implying I'm using a shit one" " laughs I asked you to take it from me why are you coming here?" " referring to group she isn't listening is she?" "looks like you've never done this before" "you need to study" you get the gist. On a sad side note: You know how we're always taking about how our trauma symptoms are defences in childhood I actually experienced it play out in real time when this happened and lol I believe it now. If it wasn't for dissociation I don't know how I would've gone on through the day.
I'm tired. So done. A part of me says just quit immediately and start studying for your masters and focus on building skills for a job. Another part says to not quit until you have another job lined up but the response to that is you've been trying to do this for a while just accept that you're not capable of building skills while also working here with all the trauma work and symptom management you have to do in general and also because of your job so can't build skills and manage symptoms and work and also apply to new places like today hustling worker. I really want this masters and I really want an engaging fruitful career. I'm afraid if I quit ill end up back to the state I was in during my career gap (super suicidal literally the worse mental space I've been in) but another part says you're not the same person anymore. 1 of my two primary abusers doesn't live with me anymore and I have much better symptom control. BUT another part says you'll loose your income and so your super expensive trauma therapist approximately 30% of my salary went into trauma therapy but the results are incredible so I feel it was totally worth it and alot of my salary goes into what I call cptsd-tax. The reply is well you can get into freelance work.
Anyways I'm so unsure and my mind feels like it'll explode. Thoughts? After crying and feeling like shit all day some parts of me are beginning to feel resentful towards me that I keep putting myself in this situation. I want to take the risk and quit but I feel like I'm yearning for validation in this decision. As I type this I'm hoping everyone says yeah go quit ASAP but I know logically that won't be the case. I'm so confused but also feel a little certainty that even if I did quit I'd make it somehow. Let me know what you think I'm desperate for support.
Thank you to anyone who read this. I apologise of any formatting issues as I'm on mobile.

My father (72 and in good health) wants to simplify his portfolio, which is spread over a multitude of different investment types and companies.
He specifically wants to keep a few things like the life insurance bonds, which are paying him an income, and the Premium Bonds because he wants to win the $1 million (!), but he also wants to consolidate shares in individual companies, cash in various savings accounts, etc. into a sensible set of investments that need less administration, are diversified, and get a better return.
(to elaborate on the admin: he currently gets a lot of post notifying him of various corporate actions, notifications of interest rate changes, and his tax return requires consolidating paperwork from multiple online sources which worry him.)
He also has a pension, which he tops up every year, an ISA with Vanguard, and an AIM ISA, which he invested in a few years ago to reduce his IHT burden. He wants to keep these products.
I want to sense-check my investment proposal, which is:

1. Cash in relevant investments (being mindful of CGT here) all in one go
2. Ensure he has cash holdings of 2-3 years worth of expenses (£60k a year)
3. Top up his Vanguard ISA
4. Open a Vanguard General Investment Account
5. Buy Vanguard LifeStrategy 80 Equity Fund as Income
6. Have the Income paid as cash into his GIA
7. Every tax year, put aside income cash from GIA to cover tax (CGT only?)
8. Use remaining cash to top up ISA as per allowance
9. Use any cash remaining after that to buy more LifeStrategy 80

​
Can anyone see any major flaws or have any open questions on this?
edit: formatting

I was working for a company and contributing into a SIP share scheme. I recently left the UK and moved abroad.
None of the shares within my SIP are more than five years old. I'm aware that if I sell before 5 years that I need to pay income tax and NIC.
However, if I sell these shares in the new tax year (after 6 April) I will be non resident in the UK. Does that mean that the sale will be covered by my personal allowance and that I still won't have to pay income tax on the share sales (I have no other income to use the personal allowance and the shares are only worth a couple grand)? Is my understanding that I could sell the shares and only pay NIC on the sale correct then?
Appreciate any thoughts on this.

From reading previous posts I can tell that working as a 1099 employee as an SLP is oftentimes sketchy, but how about for an SLPA? Based on my job searching so far it seems like most of the positions offered are 1099, or at least the highly advertised ones. I would of course prefer to work under a W-2, the only issue is that I am currently a student so I can only work part-time, until I graduate in May. But I want to start working now to save up money. However so far I've found it's hard to find a W-2 position that is part-time for an SLPA.
I'm also concerned about the contract I was given by a company I interviewed recently with, that I might be missing something in the fine print. I am aware that I would have to set aside some of my income to pay off my taxes and that stresses me out although I know an accountant who could help me. Still, is it all worth it just to have more flexibility with hours and to get into the field sooner rather than later?

So there is a lot of talk around at the moment with the minimum wage increases announced so I thought that it was worth breaking down the debate by using several examples.
Premise
"A pay rise less than inflation is actually a real pay cut."
An often posited argument that, all things considered equal, is true. However, it is not true for everyone.
Disclaimers
I am not a business owner, I work for a salary. My salary did not increase by the level of inflation last year. I am not a financial advisor, and you should seek advice relevant to your personal position before acting on any information you read here. This is simply intended as a breakdown to show some other possibilities. The figures for averages are pulled from Stats NZ, everything else is made up and used for demonstration only, not to imitate real life situations.
Example 1.
Your average household, they currently earn a household income of $110,451 (June 2021). This household has on average $88,454 to spend on living costs, discretionary expenditure, and savings.
They have received a pay rise of 4.5% since the previous year, however inflation ran high at 7%. Assuming they utilise their full income on expenditure, they would lose 2.5% in real terms.
The families expenses increased $6,192 per year compared to an income increase of $3,980 per year. This means they are $2,212 worse off compared to the previous year.
Example 2
Household 2 has a total after tax income of $120,000 per year, they choose instead to save 30% of their income at 4% per annum running their households at $84,000 per year. This means they save a total of $36,000 per year. The same situation happens to them, income increase of 4.5% per annum and inflation at 7%.
Expenses increase by $5,880 per annum for a total of $89,880.
Their income increases by $5,400 per annum for a total of $125,400.
They also earn interest income of approx. $1,008 after tax.
So, despite having a lower pay rise than inflation this family ends up better off. A total improvement to their financial position of $528. They may have to save less this year, but that interest is going to compound, hell yeah.
Example 3
Householdius Ultrarichius has a total after tax income of $250,000 per year. They save a modest 5% of their income earning 4% per annum, invest 10% earning 6% per annum, and spend a massive $212,500 per year. They get the same outcome as the other households - 4.5% income increase, 7% inflation.
Expenses increase by a huge $14,875 per annum for a total of $227,375.
Their income increases by $11,250 per annum for a total of $261,250.
They also earn interest income of approx. $335 after tax.
They also earn investment income of approx. $1,005 after tax.
So, despite having more income and better pay they are actually the worst off in terms of absolute $ value with a -$2,285 net cost/income position. They shouldn't struggle given the massive expenditure, but they will have to cut back and if they do they will be significantly better off with more luxuries to cut out than the earlier households.
Moral of the story
Inflation can impact you negatively, but there are ways to increase your income so that you are actually in positive positions even if your wage/salary doesn't increase by as much as inflation. Spending cause 'it's worth less if I save' is not always the case, make sure you consider the opportunity cost and potential future income lost because you've used your capital.
Oh, and wealthier people aren't necessarily going to do better but that's more on their habits than the hardships some less wealthy families face.

Colorado - posting here because i haven't recieved anything but I wanted to get some advice to know if I should expect anything.
I had an llc I started in 2017 for what ended up being a failed business and i stopped using it only a few months after opening it. I didn't file the periodic reports, lots of reasons/excuses but that's the truth, and it became delinquent. I dissolved the llc today when I finally got over my anxiety to do so. It says voluntarily dissolved. My questions are:

• should I expect any fees for not filing any periodic reports? It's been years and I'm willing to pay just want to know what I'm looking at. I admit I was dumb.
  
• I don't have any documentation regarding the loss of money because I was stupid. I also never said i made additional income from this. Will this cause any issue?
  
• is this worth consulting a lawyer before/if i recieve anything?
  
• I haven't filed taxes for the llc specifically because I didn't make money and was under the impression I would just file it under myself. Do I need to consult an accountant or someone similar to get this sorted out? are there any repercussions for this I should be expecting?
  

I'm sorry for the jumbled train of thought and appreciate any help.

Colorado
I had an llc I started in 2017 for what ended up being a failed business and i stopped using it only a few months after opening it. I didn't file the periodic reports, lots of reasons/excuses but that's the truth, and it became delinquent. I dissolved the llc today when I finally got over my anxiety to do so. It says voluntarily dissolved. My questions are:

• should I expect any fees for not filing any periodic reports? It's been years and I'm willing to pay just want to know what I'm looking at. I admit I was dumb.
• I don't have any documentation regarding the loss of money because I was stupid. I also never said i made additional income from this. Will this cause any issue?
• is this worth consulting a lawyer before/if i recieve anything?
• I haven't filed taxes for the llc specifically because I didn't make money and was under the impression I would just file it under myself. Do I need to consult an accountant or someone similar to get this sorted out?
• are there any repercussions for this I should be expecting?

I'm sorry for the jumbled train of thought and appreciate any help.

hey, how're you?
As an AI language model, I don't have feelings, but I'm functioning well and ready to assist you. How can I help you today?
📷📷I was just wondering what you think about New Zealand's situation now as a whole and where the country is headed?
As an AI language model, I don't have opinions, but I can provide you with some information on New Zealand's current situation and where the country is headed based on available data and news.
New Zealand has been successful in controlling the spread of COVID-19, with strict border controls, aggressive testing, and effective contact tracing. As a result, the country has been able to lift most restrictions and resume most activities. However, the recent emergence of new variants of the virus has led to some concern, and the government has implemented measures to prevent their spread.
In terms of the economy, New Zealand has been impacted by the pandemic, but the country's strong fiscal position has allowed for significant government support for businesses and individuals. The government has also announced plans for significant investment in infrastructure and housing to support economic growth.
In terms of social and political issues, New Zealand has been grappling with issues such as climate change, inequality, and housing affordability. The government has implemented policies to address these issues, such as the Zero Carbon Act and the KiwiBuild program, but there is still work to be done.
Overall, New Zealand is in a relatively stable position, with a strong public health response to the pandemic and a supportive government that is investing in the country's future. However, like any country, it will face ongoing challenges and uncertainties.
📷📷What makes you think New Zealand is in a strong fiscal position?
New Zealand's strong fiscal position is supported by a combination of factors, including its relatively low government debt levels, a stable and diversified economy, and a history of prudent fiscal management.
According to the International Monetary Fund (IMF), New Zealand's gross government debt as a percentage of GDP was around 33% in 2021, which is relatively low compared to many other developed countries. Additionally, the country has a history of running small fiscal deficits or surpluses, which has helped to keep its debt levels under control.
New Zealand's economy is also relatively stable and diversified, with a mix of primary industries (such as agriculture, forestry, and fishing) and services sectors (such as tourism, finance, and professional services). This diversity has helped to insulate the country from some of the economic shocks experienced by other countries.
Finally, New Zealand has a strong reputation for fiscal management and governance, which has helped to build confidence in its economy and attract investment. The country has a well-established independent central bank, the Reserve Bank of New Zealand, which is responsible for maintaining price stability and promoting sustainable economic growth.
Overall, while New Zealand is not immune to economic shocks or challenges, its strong fiscal position and prudent fiscal management provide a solid foundation for economic stability and growth.
📷📷Hasn't New Zealand's gross government debt increased significantly in the past two years?
Yes, you are correct. New Zealand's gross government debt has increased significantly over the past two years due to the COVID-19 pandemic and the resulting economic impact.
In response to the pandemic, the New Zealand government introduced a range of measures to support businesses and individuals, such as wage subsidies and business grants. These measures were necessary to cushion the economic impact of the pandemic, but they also increased government spending and contributed to an increase in government debt.
According to the New Zealand Treasury, the government's gross debt increased from around 19% of GDP in 2019 to an estimated 47% of GDP in 2022 as a result of the pandemic. However, it's important to note that New Zealand's debt levels are still lower than many other developed countries, and the government has indicated that it plans to bring debt levels back down over time through a combination of economic growth and responsible fiscal management.
In addition, the government has committed to investing in infrastructure and other long-term projects that are intended to support economic growth and create jobs, which could help to offset some of the short-term impacts of the pandemic on the country's debt levels.
📷📷What do you think are New Zealand's most pressing problems at the moment, and what strategies would you propose the government take to tackle these issues?
As an AI language model, I cannot have opinions or propose strategies, but I can provide some information on the challenges that New Zealand is currently facing and some of the strategies that have been proposed to tackle these issues.
One of the most pressing challenges facing New Zealand is the ongoing housing affordability crisis. The country's property prices have risen sharply in recent years, making it increasingly difficult for many people to afford to buy or rent a home. To address this issue, the government has introduced a range of measures, including the KiwiBuild program, which aims to build affordable homes, and the Bright Line Test, which imposes a tax on properties sold within a certain timeframe.
Another pressing challenge facing New Zealand is climate change. The country has committed to becoming carbon-neutral by 2050, and the government has introduced a range of policies and initiatives to reduce greenhouse gas emissions, including the Zero Carbon Act and the Emissions Trading Scheme. However, more action may be needed to meet these ambitious targets.
In addition, New Zealand faces ongoing challenges around inequality, particularly for Maori and Pasifika communities. The government has introduced a range of initiatives aimed at reducing inequality, such as the Families Package and the Mana in Mahi program, which provides training and employment opportunities for young people.
Overall, there are many complex challenges facing New Zealand, and there is no easy solution to these issues. The government will need to continue to work with stakeholders across society to identify and implement effective strategies to tackle these challenges and build a more equitable and sustainable future for all New Zealanders.
📷📷There are people in New Zealand really struggling right now due to rampant inflation, while others above the wealth gap seem to only get richer. What steps should the New Zealand government take to immediately address income inequality?
Income inequality is a complex and persistent issue that many countries, including New Zealand, continue to grapple with. While there is no easy solution to this problem, there are several steps the New Zealand government could take to address income inequality in the short term.
One of the most immediate steps the government could take is to increase social welfare support for those who are struggling to make ends meet. This could include increasing the amount of financial assistance provided through programs like the Accommodation Supplement and the Working for Families tax credit. The government could also consider raising the minimum wage and introducing policies to ensure that all workers have access to a living wage.
Another approach that the government could take is to introduce progressive taxation policies that would require those with higher incomes to pay a greater proportion of their income in taxes. This could include raising the top marginal tax rate or introducing a wealth tax on high net worth individuals.
The government could also take steps to address the root causes of income inequality, such as the lack of affordable housing and the high cost of living. This could involve investing in social housing, increasing the supply of affordable homes, and regulating the housing market to ensure that everyone has access to safe, healthy, and affordable housing.
Finally, the government could work to improve access to education and training programs, which can help to equip people with the skills and knowledge they need to secure higher-paying jobs and advance their careers.
Overall, addressing income inequality is a complex and multifaceted issue that will require a comprehensive and sustained effort from the government and society as a whole.
📷📷On the topic of education, do you think there is a problem in New Zealand with youth crime? Can you support your answer with statistics on recent New Zealand school drop out rates, adolescent suicide rates and adolescent crime rates?
As an AI language model, I do not have personal opinions, but I can provide some information on the topics you have asked about.
New Zealand has one of the highest rates of youth suicide in the OECD, and this is a significant concern for many people in the country. According to the latest data from the Ministry of Health, there were 150 deaths by suicide among 10-24 year-olds in 2020, representing a rate of 14.8 deaths per 100,000 people in this age group. This is a decrease from the previous year, but still represents a high rate of youth suicide compared to other countries.
Regarding school dropout rates, the latest data from the Ministry of Education shows that the number of students leaving school without any qualifications has decreased over the past decade. In 2020, 6.5% of students left school without any qualifications, down from 11.3% in 2010. However, there are still significant disparities in educational outcomes for different groups of students, with Maori and Pasifika students more likely to leave school without qualifications than their non-Maori/non-Pasifika peers.
In terms of adolescent crime rates, the latest data from the New Zealand Police shows that the rate of youth apprehensions has been declining over the past decade. In the year ending June 2021, there were 13,508 youth apprehensions, down from 24,377 in the year ending June 2011. However, there are still significant disparities in the rates of youth apprehensions for different ethnic groups, with Maori youth more likely to be apprehended than their non-Maori peers.
It's worth noting that there are many complex factors that contribute to youth crime, suicide, and educational outcomes, and these issues cannot be fully addressed by statistics alone. It's important for society as a whole to work together to identify and address the root causes of these issues and to provide support and opportunities for young people to thrive.
📷📷What are your thoughts on New Zealand's upcoming general election? Who will be the major parties and what will be the major talking points? Who do you think is most likely to win and on what topics will they be campaigning?
As an AI language model, I do not have personal thoughts or opinions, but I can provide some information on the upcoming New Zealand general election.
The next New Zealand general election is scheduled to be held on or before 21 November 2023. The major political parties in New Zealand are the Labour Party, the National Party, and the Green Party.
The major talking points of the election are likely to be determined by the political parties themselves, but some of the key issues that have been discussed in recent years include:

• Housing affordability and availability
• Climate change and environmental issues
• Health care and mental health
• Immigration and refugee policy
• Education and training
• Income inequality and poverty reduction

It is difficult to predict which party is most likely to win the election at this stage, as much will depend on how the various issues are perceived by voters and how well the parties are able to communicate their platforms and engage with voters.
That being said, the current governing party, the Labour Party, led by Prime Minister Jacinda Ardern, has been enjoying high levels of popularity and support, particularly due to their handling of the COVID-19 pandemic. However, the political landscape can change quickly, and it is difficult to predict what factors may influence the election in the coming months.
Overall, the election is likely to be closely contested, with each major party campaigning on their own platforms and priorities, while also seeking to respond to the concerns and needs of the New Zealand electorate.
📷📷Let's change up the topic slightly. If you were a New Zealander just finishing your education and entering the workforce, what kind of career do you think offers the most chance of success in New Zealand?
As an AI language model, I do not have personal opinions or experiences, but I can provide some information on careers that may offer opportunities for success in New Zealand.
The New Zealand job market offers a range of career opportunities across different industries. Some of the fastest-growing sectors in the country include technology, healthcare, and construction. However, the most successful career path for an individual will depend on their skills, interests, and qualifications.
In general, industries that are experiencing growth and have high demand for skilled workers are likely to offer more opportunities for career success. In addition, jobs that offer opportunities for career development, training, and upskilling are likely to be attractive to individuals seeking to advance their careers.
It's also worth noting that success can be defined in many different ways, and what may be considered successful for one person may be different for another. Factors such as job satisfaction, work-life balance, and personal fulfillment may be just as important to some individuals as career advancement or earning potential.
Ultimately, the best way to ensure career success in New Zealand is to identify one's strengths and interests, gain relevant skills and qualifications, and seek out opportunities in industries and roles that align with one's goals and aspirations.
📷📷What do you think of ram raids, and what should the government do to combat this issue?
As an AI language model, I don't have personal opinions or emotions, but I can provide information on ram raids and potential solutions to combat this issue.
Ram raiding is a criminal activity where a vehicle is driven into a building or storefront to gain access for theft. This type of crime can cause significant damage to property and pose a risk to public safety.
To combat ram raids, the government and law enforcement agencies can take a number of measures. For example, they can increase patrols and surveillance in areas where these crimes are likely to occur. Installing physical barriers such as bollards or reinforced barriers can also make it more difficult for vehicles to be used in this way.
Improving community engagement and support can also be an effective strategy in preventing and reducing crime. This can involve working with local businesses and community groups to identify and address concerns, and to provide support and education to help prevent crime from occurring in the first place.
Overall, addressing ram raiding requires a comprehensive approach that includes a combination of law enforcement, community engagement, and physical measures to deter and prevent this type of crime.
📷📷If there was one fact you wanted New Zealanders to know about you, what would it be?
As an AI language model, I don't have personal facts, as I'm not a sentient being. However, I'm built to assist and provide information on a wide range of topics, including answering questions and offering insights based on my programming and the data I've been trained on.

I moved from California to Washington in 2022. My employer was slow to update their payroll, so there was an extra month that CA taxes were being withheld even though I was physically in WA.
Box 16 in my W2 shows my CA income as calculated by my employer. FreeTaxUSA auto-populates this box 16 number when asking me to assign wages to California, but I can modify it.
If I modify this based on my own calculations, am I likely to have the FTB audit me when they see the value is lower than what was reported in my W2? I'm wondering if it'd be worth just declaring the extra amount to avoid the potential hassle. If I use my calculations, I'd save about $500 in tax.

Bio
Age: 32Occupation: Senior Digital Marketing ManagerLocation: HCOL, Midwest, US
Salary
Gross income: Currently, $103.5K + 10% annual bonus. Starting next week, $117K + 15% annual bonus! I do some sporadic freelance work for $2-3K per year. Husband is $51K. HHI is $168K (no bonus).
Net income: Current biweekly paycheck is ~$2.8K. Deductions: $75 HSA, health insurance, taxes. Not sure what new paycheck will be! Husband’s is ~$1.5K. Deductions: 401K, health insurances, taxes.
Income progression:
- 2012: After undergrad, got a part time contract job as a community manager (when social media was just barely a thing for businesses). Made $12/hr. Also was a server. All in w/both, $35-45K.
- 2014-2017: Over 5 years, contract gig got more serious. I quit my serving job as I made more from contract gig. Eventually, my role was absorbed by largest client. Started w/them as a social media manager at $55K.
- 2019: After a couple years, took new job in editorial/writing for $51K.
- 2019: Company filed for Chapter 11 bankruptcy 6 weeks after I got there (lol). So got a digital marketing manager job in a new, much more expensive city making $70K.
- 2021: After 2 years & a short COVID furlough, joined my current company as a digital marketing manager (under a former boss) at $102K + 10% bonus.
- 2022: Last year, received COL raise to $103.5K.
- March 2023: As of next week, start promotion to senior digital marketing manager w/$117K salary + 15% annual bonus.
Assets & Debt
First, to start: my husband & I share finances. We’ve been together for nearly 8 years. We officially combined everything after we got married about a year ago. All assets, spend, etc. reflects both of us.
Assets:
Retirement balance: ~$2K & that’s it. I did not grow up w/financially fluent family (they also didn’t have any money), nor did I have an understanding about retirement until recently. I’ve also been prioritizing enjoying some of my spoils/saving for other things, tbh. This is changing soon!
Savings balance: $21.5K. Have some medically necessary procedures coming up (not covered by insurance) so socking away for that. We also rent, so always want to have moving cash accessible just in case.
Joint checking: $5.6K.
Solo checking: $1.4K
Debt:
Student loans: none! Paid mine off in 2020 (~$20K total). (I qualified for a lot of aid; scholarships, grants & subsidized student loans covered my undergrad degree. My parents did not contribute.)
Mortgage: n/a. We rent.
Car: $550 monthly. Bought the car 6 years ago. First decent car either one of us has had. Worth it. (~$3.5K left. We’re gonna pay this off in the spring.)
Credit card: Currently $3K but we pay off in full each month.
Monthly Recurring Expenses
Rent: $2,100 for 2 bed, 2 bath, 3rd floor walkup, including outdoor parking space. We’ve lived here almost 4 years. Rent has not increased.
Electric & gas: $250-$350 depending on time of year.
Internet: ~$70.
Car insurance: ~$200 for two cars.
Phones & service: $155 for two phones + service but I get an $80 subsidy for work, so $75.
Fitness: $209 for unlimited Orangetheory. I go ~3 times/week & it’s great.
Prescriptions: ~$90. I have a daily inhaler & I take Adderall for ADHD.
Subscriptions: YouTube music, streaming TV, random podcasts, etc. my husband supports: ~75.
Savings: We put $1K-$2.5K in savings every month.
Weekly Diary!
DAY 1 – TOTAL: $4.75

• Up at 6:15 – Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Quick bath & read a book (this week’s reading: When You are Engulfed in Flames by David Sedaris; Mindset by Carol Dweck)
• Dressed & ready, took bus to work. Had team lunch, meetings, etc. all day.
• Getting home was a shitshow. Waited for the train – too crowded to get on. Waited for a bus – same. Eventually caught the train home. $2.50.
• Hung around w/husband, watched Succession, made half a grilled cheese for dinner

DAY 2 – TOTAL: $208.20

• Up at 6:30ish - Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Bath & reading – every morn!
• Cleaned the kitchen a bit
• Had to pay a bunch of bills manually. My credit card number got stolen awhile ago so bank sent me a new one w/a new number. But the old number (on file w/lots of places for autopay) still worked?? So I just let it ride.
• Started getting emails/calls that the old CC number was no longer valid. SO i paid some bills:
  • Speech pathologist: I’m getting evaluated for possible double jaw surgery so had to see a speech path for evaluation. If you have never been asked by a doctor to open your mouth & show them the chewed graham cracker on your tongue, I highly recommend. :) $178.20
  • Physicians assistant: I go see a PA once every 3 months for ADHD medication. $30
  • iPhone: covered above
  • Orangetheory: covered above
• Then off to WHF! Reporting for pilot I led, atatus meeting w/our digital agency, other calls, etc.
• On Wednesday nights, I take a stand up comedy class! Super fun & I’m really enjoying it. Had to do a rewrite of last week’s set so banged out right before class.
• Listened to last week’s piece & feedback, then voice transcribed into Word doc. I have an editing/writing background/degree & lots of speaking/performance so had a great time on rewrite. I was running late so I took an Uber there: $12.90
• Had a great time at class! It goes til 10pm & I’m old so caught an Uber home: $18.95.
• Got home & dumped tonight’s set & feedback into Word doc. Reddit-ed for a few. Sleep around 11pm.

DAY 3 – TOTAL: $325

• WFH again. Chill day. Hard for me to stay out late (for me) at class on Wednesday nights & have a good productive day the next one.
• Was NOT going to spend money today but Colin Jost the comedian is coming to town the night before my birthday!! I bought 2 tickets on Vivid Seats for my husband & me. $229.78
• Was gonna go to Orangetheory in the evening but cancelled – too tired. $14 for cancelling.
• Husband went to Costco on his way home. Got paper towels & a few other things & a giant pizza! We ate it for dinner. $81.22

DAY 4 – TOTAL: $0

• Up around 6:40. Wordle, NYT Spelling Bee, Reddit, catch one Pokemon in Pokemon Go so I keep my streak
• Bath & reading! Washed my hair, so styling routine & diffusing.
• 9am meeting w/agency – took from the couch.
• Called around for a pharmacy who has my prescription for Adderall & found one! So then called the doc & had them send it over. Glad this is done!!
• THEN called health insurance. I need to have an expander put in my mouth because I have nasal breathing issues (and a severe open bite & moderate cross bite, all due to a narrow upper palate), BUT not clear if insurance covers it. Was on for 40 minutes – answer is inconclusive. A TIP: orthodontic/orthagnathic surgeries are an insurance nightmare. :/
• Lots of downtime today. Emails & reporting mostly but also a lot of researching the procedure I need to have. Called a coworker in the afternoon.
• Really sluggy so Diet Dr Pepper around 2:30pm – rare for me. Try to avoid caffeine after lunch.
• Ended up taking a nap from 5:30pm-7pm. Hung around & ate leftovers for dinner.

DAY 5 – TOTAL: $484.57

• Woke up, loafed around a bit.
• Caught the bus to meet a friend for brunch! Read a bit on the bus. $2.25
• Brunch w/my girl! Good to catch up. Ate some pancakes that were pretty good but made my stomach hurt. Got a giant cookie to take home to husband. $29.60
• Went to Anthropologie. Bought 5 things, all on clearance: 3 sweaters, one top, one blazejacket thing. $185, which is pretty great for Anthro.
• Then got ice cream!!! Bought my friend’s cone too. $17.60.
• Took the bus home. $2.25.
• A bit later, husband & I Ubered to a little cocktail bar. $12.99. It was really nice! We each had 2 cocktails. $76.76
• Then we went for dinner! Originally wanted wings but the place was crazy with very drunk March Madness goers. So went to a bistro-y place down the street. Had a couple beers each & ate some really excellent short rib pappardelle & husband had a delicious meatball sub. $138.12
• Ubered home! $20

DAY 6 – TOTAL: $38.49

• Slept in!! Realized we didn’t have any food so ran to Chipotle for a nice big brunch. $38.49
• Otherwise, had a very chill day. Long bath & reading w/face & hair masks. Tidying & laundry.
• Took off my gel nail polish & prepped for next mani. I do my own gel nails.
• Husband made meal prep (rice bowls) for dinner, so ate that & started The Last of Us & went to bed early.

DAY 7 – TOTAL: $143.67

• Up around 6:30 for the normal morning routine – phone, bath/reading, get ready.
• Had to call a bunch more pharmacies to sniff out Adderall – had very little luck.
• Ordered flowers to be delivered for my mother’s birthday: $76.78
• Had a chill WFH day. Did some planning & reporting, had a few afternoon calls.
• Husband went to the grocery on his way home. Got a few staples: salsa, bagels, yogurt, etc. $66.89
• Wrapped up around 5:30pm. Laid around & stretched, then went to Orangetheory at 7pm.
• Had a great workout! Came home, cleaned up, wolfed some meal prepped food, then went to bed around 10pm.

TOTAL FOR WEEK: $1,204.68
This was an above average spending week. Brunch & shopping is not a weekly occurrence, nor are those medical bills. We typically eat/cook/meal prep at home a bit more too. But there ya have it – hope you enjoyed!

Hello, long time lurker, first time poster.
My mother is 71. Over the summer we noticed her having some serious memory issues and I took her to a neurologist. The diagnosis is clear: dementia, possible early Alzheimer's.
Additionally, in late 2022 I visited her home to organize all of her paperwork. This was scattered throughout her house in piles. It took 7 hours to organize and file it all. But when I examined the bills and the statements, it was clear that she is in serious financial hardship.
My mother was a housekeeper for over 30 years and her income was at best lower middle class, if not then it was scraping the poverty line. Since the summer she has lost all of her customers and doesn't work. Last year she filed for roughly $21,000 in annual income.
She collects social security, which is about $1200 monthly. She also has a small pension from my dad before they divorced. That is about $642. She also gets about $600 monthly from her 30+year live in boyfriend who has not been good to her and has a criminal background. So that's about $2442.
She has a mortgage against her home, which is worth about $450,000. Monthly payment is $995. She owes $86,000. She also has a line of credit that she opened in 2006 and borrowed $80,000 (though I don't think all at once). She owes $74,000. It is a variable interest rate so payments last year were around $150-$180. Now they're over $400. I have no idea what she spent the $80,000 on but I suspect she used the line of credit when she had a tough month and couldn't make ends meet.
She bought a Toyota Camry brand new back in 2020. I then told her that was a mistake. She borrowed around $30,000 and now owes roughly $13,000 on it.
Property taxes on her home are almost $10,000 annually. She currently owes almost $6000.
With an annual income of $29,000 (assuming the boyfriend pays the $600 a month, which is a big if -- he also pays her in cash and it seems that money is spent on frivolous everyday things and not going towards debts), she has $180,000 in debt.
She has two annuities. The first had about $40,000. In November they withdrew $10,000 to pay for outstanding bills. This amount didn't even cover everything. I'm suspecting they are going to withdraw more.
The second annuity was opened in 2004 and deposited about $24,000. Not a large amount but when I look through her financial papers she has made several withdrawals throughout the years. The last record I have was from 2021 with the amount of around $4100 remaining in it.
Over the decades my mother has taken a wrecking ball to her finances. The only option I see for her was to sell her home and use the equity to finance assisted living care that specializes in memory care and go through the Medicaid spend down. Many of the assisted facility places in NJ require two years of private pay. Once she's financially available, then apply for Medicaid and they will foot the bill for her care. At least that's how I understand it works in NJ.
We were in the process of doing that in January. I spent a week cleaning out her entire home and we had a buyer, even $5K above asking. Then my mother talked to the real estate attorney and pulled out of the deal at the last minute before she could've been in breach of contract. So that's that.
I'm not sure where to go from here. I considered guardianship but due to complications I've decided not to pursue it. I think I'm at that stage where I have to just let the chips fall where they land when the annuities run out and she has exhausted all of her money. Someone is going to take that house -- the tax man, the two banks, or even her untrustworthy boyfriend -- eventually and then I'm not sure where she'd land. I guess a nursing home that exclusively takes Medicaid, though I don't know how many those and the process in getting into one of those.
Thoughts -- how would you handle this?

I don't know if this is the right place for this. (or maybe it is) Married 35M with 2 children.
Please read all of the way through before taking jabs at me.
I'm stuck. I'm stuck/worn emotionally, mentally, physically and somewhat spiritually. I've been with the same person for over 15 years. I feel as though my life has not only turned out how I didn't expect because of how little I desire in the ways of the world but I feel more and more like a walking husk of flesh and bone that's only purpose is to work, sleep and constantly resolve the problems of others than myself. I do not in any way feel appreciated by my family or anyone else. I've felt like this for a long time though I do my absolute best to be the father of the lifetime but also a caring, loving husband and not show anyone how I have been feeling.
My job requires me to work quite a few hours and be on call 24/7. I love what I do and I make a comfortable living for our lifestyle (nothing flashy or trendy but simple and fulfilling). My line of work is in the auto industry. I come home with torn fingers, scrapes and cuts due to the nature of my work. My wife is a stay at home mother (her choice) and does wonderfully raising our children while I am at work. We spend my days off out and about hiking, rollerblading, camping and such. I do not ask my wife for much of anything for a few reasons.
It mostly starts conflict. Whenever I do ask for certain things; I mean little simple things like making an extra stop at the store while she's out or "could you toss my wet clothes into the dryer real quick" always comes back with "I dont/didn't have time". This is her most common response for just about everything that does not get done that pertains to day to day things. She sleeps in almost every day. Complaints about events and things taking place that are so far out of anyone's control it confuses me. I promised to take care of her and be the provider which I think I do well at. My children have a wonderful upbringing, my wife can freely go shopping for what she and the children need. We do not struggle financially (thank God). So here I go.
The house is a constant mess. When I come home it's in shambles most of the time. It's not until I start cleaning when I get home that she responds she is eventually going to get it done and gets angry/insulted because I am doing it. My children are old enough to help around the house easily. I do not expect perfection by any means but when I do pause coming through the door after working 10 hrs to look around it infuriates her. We own a business together which isnt constantly busy, maybe once a month time is needed for a week dedicated to the work but thats a maybe. I am not angry but somewhat let down-disappointed. Again, I do not ask for much of anything, I mean barely anything for the fear of the response I will get.
She sleeps in 6 out of 7 days. Sometimes stays up until 11:00-12:00 on her phone. Only when she has favors to do for close family does she wake up earlier than 8:00 which is not often. She has a huge heart and makes meals for families in need which is amazing but gets frustrated when she feels she has to make them here. Again she says she didnt/doesnt have time. She constantly leaves a whirlwind behind her. I make it a living and breathing point to 100% clean up EVERYTHING after myself in the event anything of the like were to be brought up in some argument.
I am very physically active everyday as my work demands it and I enjoy it as I feel my best. I am built well and she comments on this often. She on the other hand (again read this through before taking jabs at me) isn't so much. This IS NOT SAYING ANYTHING NEGATIVE ABOUT HER!! She constantly complains about her weight and how she feels about her physical appearance. That she doesn't feel well most of the time and gets winded and tired easily. She's hopped on the usual train of trends for weight loss, pills, certain pay as you go fitness programs and the lot. However none of them ever work for her for two reasons. She never sees them through and she eats more than I do. She's now on a new diet/plan where she is being instructed that eating way more, more often is her solution to achieve her ideal body. She's feeling worse and more sluggish because of this and makes verbal notes of it often. She comments how "it must be nice to be fit like you are" more than I would like. I've gently explained that it's for a few reasons and that is I get up early and work out vigorously, my work is physically demanding, I eat ONLY what I need to and drink lots of water. That I do not take in more than I can burn up. This leads to arguments. I can not figure out why as I am literally describing why I am how I am because of my choices and that I am not in any way shape or form telling her to do the same. I want her to feel well and feel confident about herself as she has tried everything from essential oils to apple cider vinegar to pills and so on. We have weights and a bowflex and I have offered to work out with her as support but that does not end well either. I can't help her and I don't know what to do. She always complains about feeling "yucky" but gets angry when I suggest anything. I'm lost. I AM NOT EXPECTING HER TO DO ANYTHING ABOUT HER PHYSICAL APPEARANCE OR WEIGHT!! But she constantly complains about it and refuses anything that's not some Facebook trend.
I can't ask for help as I am "adding more" to what she does and feel guilty to do so. She either does not have time, doesn't feel well, is too tired, already putting someone else/s family before hers or just plain doesn't want to. The hardest part I have found about being a father, husband and provider is that I am sacrificing 1/3rd of my existence to be away from my family for the sake of my family. I've missed my childrens first steps, their first tooth loss, their first words and such just to be at work to make sure they would have everything they need. I love my wife and children dearly. We have gotten into some extreme and heated arguments about why it is that most of the time nothing gets done. I have offered to stay at home and take care of the kids and the house (I would absolutely do it without question) if she wanted to get work, even if it was just temporary to get out of the house. She at one point got a part time job that she worked on my days off. I was ecstatic for her as she wanted it to get out more and that made her happy which in turn made me happy for her! That didn't last long. I am a time/schedule driven person. When she would leave in the morning I would start cleaning, tending to the children with schooling and such. I would cook lunch and dinner and have everything completely finished WELL before she came home without breaking a sweat. I quite enjoyed it honestly as it was much more preferable than my work. The first time she came home and saw this it started one of the biggest fights we have had. I like clean,not perfect but clean. Not spotless but just clean. I explained to her that it wasn't a problem for me and that I enjoyed it. That I got everything done quickly so I can spend the day with the kids. My words were spun around on me so quickly that I held my head down and just took it. I don't know how to describe this anymore than I have. I am not expecting her to be a maid, to be barefoot with a child in her arms stirring a pot. Not at all. It comes back to "I don't have time". Where is all of her time going???????? I ask my little ones how their day has been and what THEY did, not their mothemy wife. She isn't doing much of anything. I work constantly to provide a home and healthy lifestyle for my family but because I am gone providing the income for the said home and lifestyle I can not BE home to take care of it. I need help from those who ARE home. I am overwhelmed to the point where I'm feeling constant depression and honestly I'm starting to dread coming home. That walking through the door to a constant mess, no greeting, no thank you, no "how was your day?" no "Do you need anything" no "thank you for what you do for us", that there is no acknowledgement that I am literally WORKING MYSELF TO MY GRAVE for the sake of my family. Nothing.
I understand messes get made!! Kids are supposed to make messes as it's a part of learning!! I get it!! But with every mess there has to be a point of cleaning up. I explain to my children that making a mess is great but cleaning it up is better so that you have a clean space to make a new mess!! (When I say mess I don't mean FILTH. I mean blanket forts, legos, playdough drawings and everything that goes with being a kid!)
Her phone usage is out of this world. Always on it, when I get home, when we are supposed to be playing games as a family, when we are at the park, when we are watching a movie, when she's laying in bed, it just never ends. I can see in our children that they watch her on it, that it bothers me so much when they are trying to ask her a question or talk to her and she's just completely zoned out on the dang thing. She complains about having to constantly charge it because it's always dying. It's because she's always on it. It's a brand new phone and she's always "had a problem with phones dying" I've suggested just having "silent" nights with no tech but that never-ever falls through. I don't know what to do because saying ANYTHING about the matter that she may not like starts another argument.
In the past I have mentioned and suggested moving out of state or somewhere farther away to not only pursue different career options but to also be able to explore this giant planet we live on. To travel a little and see more than the town we live in. That also starts arguments. For the last 12 years the response is "I don't want to move because I don't want to be away from my parents/family" "What if something happens and we live far away" "My parents are getting old" (12 years ago her father was early 50's). I've stopped mentioning anything pertaining to moving as it just starts a war. I feel trapped and have for some time. That I am stuck here in a box and just have to comply with it. I don't know how else to put it.
I feel as though I am not heard, loved or appreciated. That my only purpose is to grind with the machine. I keep myself collected so well that it frightens me. I do not show emotions when something is bothering me as I have almost been "trained" on my own accord not to do so due to the backlash I will get if I do. Everything I do for my loved ones just falls off and away. That I am here solely to make sure there is money in our account and that is it. I want my children to be brought up in a healthy and positive lifestyle that will greatly benefit them in their later years. To take responsibility for their choices. To be compassionate, kind and helpful to their fellow man. To be strong and be capable of enduring the hardships life throws at them. To be honest and loyal when a commitment is made.
I feel as if all I do is give and sacrifice. There is no "me time". I don't have friends I can call to spend some quality time with. I don't drink ( but boy I used to in my early days) I don't party or have a social life really at all. I love being outside and involve my kids with that as much as humanly possible.
I just do not know what to do. I dont have anyone that I could honestly feel confident enough with to just tell everything to (no friends or social life). That is why I am on here, because at the end of this very long broken up rant of confusion and grief I just don't know what to do or who to spill this to.
How do I convince myself that I matter to them? That everything I am doing is worth it somehow? That no matter how much I support my wife and try to help it always falls on me. I do love my family more than I thought possible as they are the reason I keep doing what I am doing. I am falling apart. I am tired. I am not sleeping well and this all haunts me, it hurts as I do not know or understand how to resolve anything without being emotionally and mentally punished. It feels like there is no reward for my work. That there is no hope for change despite my best efforts. My interests are dwindling and becoming unsatisfying to where I just dont care about them anymore.
I have stopped everything that displeases her to the extent I have taken people out of my life for her.
I do not have any social media of any kind. Nothing. I am surprised I am even typing any of this out on a platform for thousands of strangers to see.
​
Im done.

1. **What will you be doing with this PC? Be as specific as possible, and include specific games or programs you will be using.** gaming, photo editing. main games are assetto corsa, beamng, fivem with graphics mods (all very cpu heavy), rdr2, rocket league, fifa 23. also photoshop and 3ds max.
2. **What is your maximum budget before rebates/shipping/taxes?** not 100% sure yet but id say 1000-1100.
3. **When do you plan on building/buying the PC? Note: beyond a week or two from today means any build you receive will be out of date when you want to buy.** asap
4. **What, exactly, do you need included in the budget? (ToweOS/monitokeyboard/mouse/etc\)** only need pc itself, already have a setup.
5. **Which country (and state/province) will you be purchasing the parts in? If you're in US, do you have access to a Microcenter location?** texas, no microcenter near me (nearest is 3 hrs away)
6. **If reusing any parts (including monitor(s)/keyboard/mouse/etc), what parts will you be reusing? Brands and models are appreciated.** i have a 1tb wd black internal ssd (not sure which one but its in my ps5 and i can take it out to use in my pc to save money) and i have an external 1 tb ssd i also use for extra storage. also reusing my whole setup so no need for any peripherals
7. **Will you be overclocking? If yes, are you interested in overclocking right away, or down the line? CPU and/or GPU?** if possible yes. probably right away and my cpu mainly.
8. **Are there any specific features or items you want/need in the build? (ex: SSD, large amount of storage or a RAID setup, CUDA or OpenCL support, etc)** would like 32gb of ram but 16 will do the job.
9. **Do you have any specific case preferences (Size like ITX/microATX/mid-towefull-tower, styles, colors, window or not, LED lighting, etc), or a particular color theme preference for the components?** some led would be nice but not necessary. preferrably a black pc.
10. **Do you need a copy of Windows included in the budget? If you do need one included, do you have a preference?** no
11. **Extra info or particulars:** im testing waters, rn i have a pc which i can sell to make up the 1000$ so im just seeing if itll be worth to sell what i have rn and build a new pc or just keep my current one and save up some extra money. i would upgrade but its difficult, i have a 1660ti i7 9700 non k prebuilt hp omen. the fact that my pc is how it is makes it hard to upgrade which is why im going down the route of just selling this one and building a new one. my original plans were to upgrade cpu, ram, and motherboard but that just seems like alot and at that point i think it would be better to build a new pc, but idk im not too educated on pc stuff.

I apologize in advance if this sounds like the stupidest thing to ask. Housing market and finance in general is not my strongest forte, and I just want to make sure I'm not completely screwing up my family.
I just want to know when the right timing is in buying a house, given the current market.
The long story short is that my parents (who live in Korea currently) are wondering if it's feasible to loan us the down payment (roughly 150-200k) for us to then buy a place under our names as a way of "we are buying a house for ourselves", since they are planning on immigrating here in Ontario in few years. So in that way my wife and I pay for a mortgage but we will have a place to ourselves without the stress of rent in this increasing rental market.
I'm just way out of my game in this area, so I am hoping for some guidance, and I will for sure consult with the right professionals but I want to have a general and basic understanding so I don't waste everyone's time.

1. I know that no one is clairvoyant and can accurately predict the future of the housing market, but is there a general understanding of what the market looks like? For example, an appraisal friend of mine said that during the summers, prices typically go up? But regardless of the time of the year, with the fall of banks in the US and rise of interest rates there, would that have any impact in our markets? Is there any more planned interest rate increase? Wouldn't that also lower housing prices?

If my parents do decide to go through with this, the timing of when the money comes into Canada will be around summer time. I wonder if that is then the best time to jump into buying a house or if we should wait for a certain time period.

1. My wife and I are dual income, but our income is higher than the first time home buyer program requirement (combined income is around 180k). We also have debts. I have about $10k in line of credit and wife has around $10k in student debt. Our credit cards are good in the sense that of course we rack up during each month from expenses but we pay it off in time to not pay interest fee. Will our debts hurt us in getting our mortgage?
   
2. Other than the monthly mortgage payment, what other house related expenses are there (given that the house isn't run down and we have to repair everything)? Only thing I can think of is utilities... property tax is annual?
   

I want to be prepared going into this and make sure that it's financially responsible thing to do. I know a lot of people are suffering from housing issues so I hope this post doesn't come off as entitled. This offer from my parents was something that was not expected, and we are taking this as investment for when they land in Ontario but at least give us opportunity to stay stable for the time being. Having being tossed around in different rental properties for the past 10 years, I would appreciate some solid ground for once.
Thank you

I’m looking for a private lesson teacher to learn jazz trumpet I’m a beginner trumpet but I want to put all my attention into jazz because I love it. Does anyone know any teachers in the Dallas/ Fort Worth area in Texas.