This is so interesting. Due to a family issue, I ended up with some extra tax liability this year. At first it was a scary amount, like $10k, but then it ended up being more like $3K. Either way, it is due on October 15, and because I am a federal employee, my Friday paycheck was about $1,000 less than usual and I have no idea when I'm going to get another paycheck. Most of my savings are in two brokerage accounts, one that I've never messed with, and one that is an IRA that I've rolled over 401Ks into, and that I've messed with off and on for things like college and a down payment on a house. I was under the impression the account that I've never messed with was also an IRA, and that I couldn't or shouldn't mess with it because of tax penalties.(My dad started both accounts when I worked for him in high school, and I got control of them in college) Welp, since my paycheck is being held hostage by Congress, and taxes have to be paid, I decided I was going to sell something, tax penalties be damned. Then I discovered that this second account is not an IRA, and I can sell it, and the taxes would be capital gains and not additional income with a penalty. And the account was worth about $18k. So, I sold some of it, to pay these taxes and to be sure I can pay my rent and car payment next month (and to pay off most of my modest credit card debt, you know, why not raid it just a tiny bit), but just knowing it is there, and that I can sell the rest of it if I want to, and go on a trip around the world, and I have a cushion if something happens, is so breathtakingly freeing. It also makes me feel irresponsible for being unaware of my assets, but that's a guilt trip that's going to be buried along side the raiding of my investment account. Congress isn't being responsible and I'm being negatively impacted, maybe a new pair of boots would make me feel better. And I'm going to continue dreaming about going to Michael Franti's yoga retreat in Bali, but since I've taken care of the credit cards, as soon as Congress gets it together, I'm going to save money to go to Bali, and swear to myself not to mess with this account again any time soon.
My person mantra is from Alfred, Lord Tennyson - "Cleave ever to the sunnier side of doubt." And my personal trick of confidence - before I go into a room, whether it is an interview, or a cocktail party, or anywhere that confidence is necessary, I take a deep breath and tell myself that everyone in that room wants to talk to me and is happy to see me. And I've found that if you assume people want to talk to you and are happy to see you, you approach them with more enthusiasm and less initial doubt, and this is somehow universally attractive. Most of the time you have no idea whether someone likes you or not, so you might as well assume they do. If I assume someone likes me, I like them more, and vis versa. When people don't respond well to my friendliness, I assume they had a bad day and it has nothing to do with me. So cleave to the sunnier side. It takes a little extra energy, and obviously social boundaries still apply, but it is generally a good policy.
Is this like that piece that Edith did where she said that chamber pots are all the hipster rage in Brooklyn? http://thehairpin.com/2012/12/chamberpots-a-resurgence This is a parady, right?
You might not need a prenup - the trust wouldn't be considered marital property in most states. If your husband isn't the beneficiary of the trust, he isn't the beneficiary of the trust. Now, if you cashed out the trust and it was sitting in your checking account, that might be different. And depending on the legalese of the trust and the kind of trust, your grandmother might not have the power to change the terms of the trust. That's the beauty of the trust. You should get an attorney to look over the trust for you and determine what the rules are. Or call the attorney who set the trust up and see if they will explain it to you, which they would probably do for free and are possibly ethically obligated to do.
I eat a ton of the green giant frozen spinach and the frozen broccoli packs. You just put them in the microwave for like five minutes. I put it in everything from pizza to pasta. Sometimes I just cook a pack, and throw in whatever happens to be lying around my house. Chicken, or whatever sort of protein I have, tomatoes, black beans, throw in some salt and pepper. It's lazy and cheap and doesn't involve any real clean up.
When I worked for the Chapter 13 Bankruptcy trustee, the FBI stopped by regularly to look into the bankruptcies of people with security clearances working for contractors at the military base and the nucular power plant. It hadn't occurred to me before that, but I guess it makes sense. The guy with the sick wife and the inherited houses is a really terrible story, that sucks. DO NOT PROBATE THAT WILL. Try not to administer that estate. Let it go in a tax sale, let the bank foreclose.
So, I live in Charleston, and they sell those Callie biscuits at the local gourmet butcher/sandwich/wine/insanity food items store by my house. My mom and I were looking at them the other day, and I am fairly certain that a pack of 12 biscuits was $26, which I thought was ridiculous. And my mom pointed out that they were HAM biscuits, and that while expensive, the fact it at least contained ham did make me feel better. I don't want to pay $2 per ham biscuit that I still have to bake myself, but I'm sure someone does. Maybe a great holiday houseguest present. The ham biscuits are $72 at William Sonoma. WTF. I will send you a pack for $40.
Jfruh - my stocks have been in a couple different accounts, and at this point I have two IRA accounts with an investment firm - about half of the money is in mutual funds, and the other half is in specific stocks. I try to keep an eye on it, and every once in a while I will play around with buying and selling. I had 100 shares of a coal stock that was purchased for $30 a share in the late 90s, and in the summer of 2008 it was selling for $95 a share. I put a stop sell on that stock, and when it dropped to $88 I sold it. This felt like an enormous windfall, especially because by November of 2008 that stock was worth pennies after the crash. I took that cash out of my IRA and used it for a down payment on a house, but for the most part I leave it alone. It isn't a large sum of money, but having it in an IRA keeps me from using it for "emergencies." I work for the federal government now, so I'm not currently using it as my primary retirement account, but it is nice to know it is there.
Trader joes has these little mini chocolate cupcakes with butter cream frosting, and they weren't expensive, and they are so tiny that each one isn't THAT BAD for you, and they are so rich that just one is enough. A dozen cost less than two regular cupcakes from the gourmet cupcake store in my neighborhood. Seriously, they have changed my life.
I went to yearbook camp one time. I also went to traditional camp, and my mom was the camp nurse at an all boys camp where I was the only girl for two to three weeks a summer from when I was 8 until I was 13. Other camps included, church camp, basketball camp, tennis camp, soccer camp, leadership camp, and cheerleading camp. I'm pretty sure yearbook camp was the nerdiest camp I attended, and/or actually exists in nature.