Recent comments in /f/massachusetts

Whiplash92123 t1_j9gfvt4 wrote

I grew up there. It’s close to multiple highways and without traffic you can get to Boston within a half hour or so. Outside of that, there isn’t much in town. Multiple pizza places (like most towns), few Chinese spots.

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_Strid_ t1_j9gcb09 wrote

I dislike this type of person. My fiancee's mother is 68 and forever complains about how cold it is and how much she hates the snow and can't drive at night in it, etc., etc., etc.

Fucking move already! (Or buy a snowblower) You're not a tree. You tell people this up here, and they look at you like you're mental. The people I'm telling have no ties to the welfare that would make living here a necessity - they just want to complain and do nothing about what they're complaining about.

Trickles down to the fucking kids too. I've got a job lined up in CO that would make it so my kid can go to college, or not, but at least have something when she turns 18 (now 13) to start with and my fiancee wouldn't have to work and stress about how her OF account is going and her not getting paid what she's due at her office job. But nope, we'd rather stay here and be poor than head towards a better life with more opportunity.

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_Strid_ t1_j9gb7m6 wrote

It's worse than you think. It never really snowed much where I'm from, so it wasn't a factor.

I grew up down South hearing, "it'll never happen in our lifetime, don't worry!" I never would have guessed my own parents were really just saying,"Not my circus, not my monkeys, " about their own kids and grandkids.

I'm 38, and my parents are Boomers.

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modernhomeowner t1_j9ga7c2 wrote

Can't say I've made the jump, but I've been 1099 for 20 years; I haven't worked a full-time W2. The extra Social Security and Medicare Taxes kind of suck. I'd recommend doing your own taxes; it helps you learn the tax system to make sure you are taking advantage of any credits and deductions available. I'd also recommend when it comes to health insurance, pick one of the HSA-eligible plans and deposit the maximum allowable into your HSA account. An SEP retirement plan allows you to put up to 25% of your income (max $66k), which is a nice benefit. Honestly, let me know if you have questions in the future, I'd be available.

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nattarbox t1_j9g9uol wrote

My partner and I have both been self-employed for a bit, I do love it and will have a hard time going back to a regular job.. Flexibility for travel/vacation offset the annoying parts.

Here's a few tips that helped me:

  • Setup a bank specifically for receiving your invoice payments, separate from your personal bank. Every time you get paid, split the money you need for taxes out to the savings account. Pay yourself on a regular paycheck cadence from the remainder. That way your personal budgeting isn't messed up by irregular payments, and you always have your quarterly payments saved up.
  • Get a good tax person, someone friendly who won't mind emailing/chatting informally. Avoid a big corporate accounting place.
  • Insurance is expensive as hell, but also tax advantaged. Ends up being not so bad once you get over the sticker shock.
  • One thing that sucks is not getting paid when you're on vacation. I work around this by planning out my hours in advance for the month, so if I have some planned time off I can still get a view for the monthly income, where to make up those hours, etc.
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modernhomeowner t1_j9g9o5w wrote

There are some houses with in-laws; of course finding one for rent is few and far between. One of (maybe the) nation's largest home builder, Lennar, they don't build in MA, but in 26 other states, and one of their most popular models is an in-law, with a separate kitchen, garage, everything; My parents live next to one, it's perfect for in-laws. Just mentioning it in case your move ends up being out of state, that's an easy way to find what you are looking for.

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