Neither is inherently good or bad. It all depends on your cash flow situation.

If you are always short of cash, overwithholding will help you at tax time and you will enjoy a refund.
If you are always flush with cash, you might as well spend your money as you go and not worry about trying to make your tax filing a zero sum game.

1929 got a bad rap. Certainly the stock market (which was the epitome of irrational exuberance) went down significantly then, but the REAL problem was the government response that followed. The Dow in 1929 dropped from a high around 380 to around 210, which created lots of problems but then it kept dropping until mid 1932 when it reached a low around 42. The problems from that point engulfed the whole world, which didn't recover until after WWII. The market didn't get back to the 1929 high until 1955. (Note the log scale on the chart).

So the 1929 crash was a factor of about 45%. By 1932.5 it was a factor of 10. By comparison, the 2008 market drop was around 50%, similar to 1929, but much less than 1929-1932.5.

(Download)

For some families, tradition trumps creativity when it comes to Thanksgiving dinner. Creativity is for more ordinary events. My family came from Chester County PA, where there are lots of mushroom farms. My grandfather was rumored to own a mushroom house. (He was a banker so the truth is that he probably loaned money to someone to build a mushroom house). Anyway creamed mushrooms were ALWAYS a part of Thanksgiving dinner.

When I was running the farm (I didn't grow mushrooms in New England) we had Thanksgiving dinner at our house occasionally (rotated among family members). One year we had Leeks and mushrooms instead of creamed mushrooms. We heard about that for years afterwards (although it was eventually accepted as a tradition). We did not grow pumpkins so our contribution to the dinner was frequently a carrot pie. It's indistinguishable from pumpkin pie if you use the same spices. We just didn't tell anyone until well afterwards based on our experience with the leek/mushroom dish. (I am not a fan of carrots during the summer. They have an off taste to me. Where they shine is as a fall/winter crop because when it starts to get cold the plants start storing sugar in their roots {the carrot} and then they are much sweeter. So when we closed down the farm for the winter we would take a few tractor loads of leaves {which landscapers brought us from fall cleanups and we used for compost} and covered the carrot rows to about 2 ft depth. Placing a shovel at each end of the row allowed us to find them when the snow covered everything and the leaves kept the ground from freezing so we could dig carrots all winter. {The mice and voles had a great time there but they would start at the top and we could usually get at least half to 3/4 of the carrot for us}).

I just recently (maybe 2 months ago) reinstalled my Adobe Dreamweaver CS4 on my old Win10 machine successfully using the old key.

I keep a spreadsheet with all my program installation keys so I can easily find things. When I get a new key I take the old spreadsheet, add the key, and change the spreadsheet file name by adding the date. So I know which is the current spreadsheet.

I had a big tax bill one year when I took some money out of an IRA to buy a house.

I use a CPA to do my taxes for me because I have business interests as well as normal income. I just send all my records at the end of the year and he tells me how much to pay or how much I get back. I have increased withholding from a couple income streams to cover the average and it works pretty well. I don't have to spend any time trying to figure out my taxes during the year to keep current. The CPA charges a couple hundred dollars which I deduct from my income (since it's for the business) and the time I don't spend on taxes during the year is worth something so I figure I'm generally pretty close without the work involved to get down to the wire. As noted, it doesn't always work when I deviate from the normal process by taking money from a tax sheltered account for a large purchase but that has only happened once.

Even though I'm retired, I count my time as worth something so avoiding the time spent on the tax details is equivalent to income.

If you reinstall windows it sets up a new registry. That is where your computer goes to look for your programs, so you will have to reinstall them to get them into the new registry.

But there would be no innovation in cameras if that happened.

Just because it’s a legitimate company doesn’t mean it’s not spam. Advertising is big business and the source of much if not most spam. If it’s advertising something you don’t want treat it as any other spam. Block it. Junk it.

Block/trash/delete it.

Yes. My first house was about 1.25 years family income. The second house was 2x family income (but we had equity from the first house). The farm cost 3x family income. And we tore down the house.


The last house was bought when I was on Social Security so I don’t want to think about the multiple.

Maybe wingsuits are popular there?

The screenshot provided looked like Apple mail. That's how mine works.

timelinetwist.com

Doesn't sound like a lending company.

Right-click the listing in your email and click on 'block contact'

Then move the email to junk.

DO NOT click on 'unsubscribe'. That will let them know your email is working and they will try again with a different return address.

It all depends on your need for your money. If you need it for ongoing purchases, it should be in the bank, in your checking account. A savings account is probably just a place to hold a little money to cover an overdraft check. If you are saving up for a large expenditure or for retirement or just because you want more, the bank is not the place to put your money. With inflation running over 3% and the bank giving you interest of 0.05%, you are paying the bank to hold your money. There are a few CDs out there that give 5%. The stock market is there with great potential to go both ways, up and down. But that sort of investment is not something you can really set down your money and come back in a few years. True, the general trend is up for the long term (decades) but there are wild excursions occasionally. It's something you have to manage actively. Active management requires some experience and a fair amount of time.

There are a few CDs out there that give over 4% and have no penalty for early withdrawal. That mitigates the major CD problem in that you have to be able to predict when you will need that money.

(Download)