Disclaimer: This post is merely to provide knowledge, and not to instruct you to do anything. Your choice whether to choose the Science One program at UBC or not is completely up to you. I hope this helps in making an informed decision.
I just thought I would contribute to the existing public knowledge of the Science One program already on Reddit here: https://www.reddit.com/UBC/comments/ec95t4/for_anyone_interested_in_science_one/ My post assumes you already did basic research on the program and aims to contribute more knowledge that isn’t publicly available yet (here is the Science One website: https://scienceone.ubc.ca)
I am an alumni in the 2023-2024 cohort, but just a disclaimer that a few things will change in the program in the years to come (see below):
Just a few small updates to the previous Reddit post:

• BIOL 140 is no longer a mandatory component of Science One so there will be no associated biology labs.
• There are three STT’s, where you can find here for the updated schedules for your year: https://scienceone.ubc.ca/resources

Note about grades: While Science One is promoted as a program where the students care more about knowledge than grades, while this is very true in my personal experience, I still think that grades played a large impact on our mental health, confidence, and our overall enjoyability of the first year experience. The reason I am including grades here is to allow you to have reasonable expectations about your grades and know that if you want to go into a very competitive specialization in second year, Science One may not be the right program for you. Note that the grades published on UBC grades (https://ubcgrades.com) is not representative of the actual class average. There is a policy where if a student failed two or more subjects in Science One, the credit for Science One will be broken down into its individual course components and the student will not appear to have been in Science One (it doesn’t show Science One on their transcript, rather the rough course equivalents). This raises the apparent class average reported. In my year, 3 people were removed, which changed the class average from 75% to 77%.
Alright, with that out of the way, I will be filling in the gaps of public knowledge specifically with the workload of Science One. Below is a (hopefully) unbiased perspective on Science One. My personal opinion will be stated later in this post.
Biology
Note: both of our biology professors (Pam Kalas and George Haughn) are no longer teaching in the program, so this subject may look very different

• Weekly 10 minute quizzes (quiz average 15% of biology grade), consisting normally of two to three written questions (be sure to learn to type very fast and think fast, especially since these quizzes are normally at 8:30am in the morning)
  • However, we get one quiz drop per term where our lowest quiz mark is discarded
  • Generally the quiz average is around 74%
• Biology Midterm “superquiz” once a term (20% of biology grade, can replace quiz average if the mark is higher so can be worth up to 35%) which is around 55 minutes and consists of around 10 long written questions (however, this is very little time for the amount of thinking and typing necessary to succeed so learn to type fast!)
  • Average was around 74% and 60% respectively for terms 1 and 2
• Biology assignments for completion/participation (10%) around once every 1-2 weeks ~ somewhat simple compared to the complexity of the quizzes and midterm, takes around 15-20 minutes per assignment
• Pre-readings per week around 2 hours, critical to understanding the class material
  • Pre-readings are found in study guides provided to us or on public webpages, there is no textbook for biology
• One tree project in term 1 where you are tasked with finding and identifying five different tree species around campus
• 2.5 hour final exam (50%), however, if you do better on your final exam than midterm average, it can replace the midterm average (so can be worth up to 85% of your grade)
  • Consists of written answers with explanations (I found this final to always be very rushed, finishing writing my answers with around 1 minute to spare)
  • Typically, since the final exams are so difficult, very few people will be able to get a higher mark on the final exam than the midterm
  • Average was 65% in term 1, term 2 grades not available

Overall: 3-10 hours of work per week depending on your thinking speed and how busy that week’s schedule is
Class average over the year: 71%
Term 1 Units: Great Bear Rainforest, Metabolism, DNA, Gene Expression, Genetics
Term 2 Units: Genetics (Continued); Phylogenies, Speciation, Population and Community Dynamics; Macromolecular Self Assembly; Regulation of Gene Expression; Biological Energy Transformation
Biology Tutorials

• Salmon project ~ year long project where we test the DNA of salmon through learning gel electrophoresis strategies
  • Very minimal prep work, maximum 30 min per tutorial

Chemistry
Note: One professor is no longer teaching in Science One (John Sherman), but the other is staying (Guillaume Bussiere), so this may be different in your year

• Around biweekly unit quizzes (40%), five per term, each quiz around 30 minutes, double sided with around 15-25 questions, with both multiple choice and written answer questions
  • Around 74% averages
  • One quiz drop per term
• Assignments (10%) consisting of worksheets provided in class (takes around 30 minutes-1 hour per assignment) and questions submitted on a paid ($70 if I remember correctly) homework submission website called Achieve
• 2.5 hour final exam (50%) consisting of theory based questions, organic chemistry, multiple choice, and calculation
  • 69% average in term 1, term 2 grades not available

Overall: 2-5 hours of work per week depending if there’s quizzes or assignments that week
Class average over the year: 75%
Term 1 Units: Chemical Bonding and Basics, Conformations, Stereochemistry, Thermodynamics, Electrochemistry
Term 2 Units: Kinetics, Quantum Chemistry, Intermolecular Forces (not really a whole unit, more like a supplementary lecture), Valence Bond Theory and Molecular Orbital Theory, Acid Base Chemistry, SN1 and SN2 Reactions
Chemistry Tutorials

• some coding based tutorials for quantum chemistry, little to no prep work, but knowledge of python coding is needed (but you will learn in Science One), submission of a worksheet for marks
• Organic chemistry worksheets, guided by the professors, but no submission necessary

Chemistry Labs (Chem 121, Chem 123 equivalents for term 1 and 2 respectively)

• Biweekly 3 hour lab sessions, where we are performing experiments and recording notes in our EDF
• Prep work: normally on our “off weeks”, we need to fill in our EDF and do the prep work (around 3-5 hours)
• In term 2, we also need to submit lab reports for each lab session (takes around 1-2 hours to write)

Overall class average (I forgot): around 85%
Physics

• Two long form assignments per term (20%, so 10% each assignment), each assignment generally consists of collecting data related to something learned in class, and analyzing it
  • Data collecting and analysis can take around 2-6 hours spread over the week (generally how long it takes to complete the assignment)
  • Around 80% averages
• Biweekly quizzes (30%), total 5 per term, one hour long open book online quizzes, consisting of 12 multiple choice or calculation questions
  • Around 75% averages
  • one quiz drop per term
• Prereadings assignments (4%) on WebWork (around once every two weeks, but very inconsistent schedule), consisting around 3-4 multiple choice/calculation based questions
  • Most often, there is no prereading assignment, but there are around 6-7 sections of prereading assigned per week of lecture of online OpenStax textbooks
    • Personally, I did not do them, but still survived, as the prereadings can take up to 3 hours depending on your reading speed and intended depth of read
• Homework assignments (6%) around once every two weeks consisting of 8-11 multiple choice and calculation based questions, requires a lot of knowledge of theory rather than plugging in numbers into equations
• 2.5 hour open book final (40%) consisting of both multiple choice (submitted on Canvas) and long written answer questions (paper copy, but submitted on Canvas)
  • 60% average in term 1, term 2 grades not available

Overall: around 2-5 hours of work per week depending on if there’s quizzes, long assignments, or assignments
Class average over the year: 76%
Term 1 Units: Measuring and Modelling Motion, Motion and Conservation Laws, Thermodynamics, Rotational Motion, Special Relativity
Term 2 Units: Waves, Quantum Mechanics, Electrostatics, Circuits, Magnetism and Magnetic Fields, Stellar Nucleosynthesis
Physics Tutorials

• Generally working on worksheets with the guidance of professors, very helpful for understanding the content better, but worksheets are not submitted

Physics Labs (Phys 119, Phys 129)

• 3 hour sessions per week, consisting of data collection and data analysis, learn plenty of Python and basic statistical tests (however, most labs in term 1 are very rushed, but in term 2 there is much more spare time)
• Prep work in term 1 takes around 1-2 hours per lab, consisting of submitting a Jupyter notebook with code so we understand the code we need to use in the lab
• Prep work in term 2 takes around 15 minutes - 2 hours, mostly doesn’t have as much prep work as term 1
  • Rarely Jupyter lab notebooks for submission, most weeks we just preread what we are doing in the lab and that is sufficient

Class average (I forgot): around 85%
Mathematics

• Midterms “tests” (25%) three per term, around 50 minutes, and consisting of 3-4 written questions (average is usually around 60%, but we have had two instances of failed average midterms resulting in scale [but don’t rely on a scale, it is very rare!]), however, we get one midterm drop per term, where it is not counted in our average
• Assignments (16%) consisting of three long assignments with written answers that take around 2-4 hours to complete, and weekly two WebWork assignments that are around 6-12 questions, calculation and theory based
• Weekly quizzes (9%), with one quiz drop per term
  • 15 minute quizzes with 3 questions, generally a little rushed but doable
• 2.5 hour final (50%)
  • Average 67% in term 1, term 2 grades not available
• Pre-reading assignments not for marks, takes around 2 hours per week (personally I didn’t do any and I was ok)

Overall workload: around 3-6 hours per week depending if there’s assignments, and midterms that week
Class average over the year: 72%
Term 1 Focus: Derivatives and ODE’s
Term 2 Focus: Integration
Term 1 Project (partnered)

• consists of a presentation and mind map of a topic that we research in depth using primary literature
• Around biweekly meetings with our mentor, and mini check in assignments

Overall workload: around 1 hour per week, but can be up to 4 hours when preparing for the presentation
Class average: around 85%
Term 2 Project (partnered)

• consists of a project designed personally by you and a partner to measure something and report on it in a 3000 word paper (90%) and a presentation to our peers (10%)
• Weekly check ins with mentor, or round table discussion with updates

Overall workload: anywhere from 0-8 hours a week depending on the complexity of the project
Class average: 75%
Summary
With that in mind, I want to provide some pros and cons of Science One:
Pros

• Unique connections to professors
• Community with fellow students, and can form a very close knit group of people who are like-minded
• Blended grade at the end of the school year, so if you do bad in one subject but good at the rest, you can “hide” the bad mark
• Networking with professionals at guest speakers
• Having all your classes in one classroom, to avoid rushing across campus between classes
• Allows you to see how all science subjects interconnect
• Provides a deeper knowledge of all topics, basically an honours version of first year Science
• No stress about designing your own timetable
• Research experience in term 2 project can help with research applications in the future
• Study spaces for only Science One students, very helpful especially during finals season

Cons

• grading is a little harsh (very harsh in biology in my opinion) and there is no scaling at the end of the school year, so you may not get into your desired major if it is very competitive to get into
• You also are not prioritized for major selection compared to mainstream (ie if you get a 70% and a mainstream student gets a 71%, they will be prioritized)
• Workload is very intense, sometimes it felt like there was no break for ourselves
• Mental health and stress levels
• Blended grade at the end of the school year, so if you do really good in one subject it may be hidden
• Busy workload means less free time, so some relationships outside of Science One may dwindle
• Very hard to take elective courses on top of Science One, because of the busy schedule and demanding workload (might make it harder to get into Computer Science because of its prerequisites)
• Science One only offers 28 credits (6 for two terms of, biology, physics, math, and chem each, with 2 for two terms of chemistry labs and physics labs each), meaning that our term 1 and term 2 work do not provide us any credit
  • Science One disqualifies students from taking SCIE 113 (a communication requirement), but does not give any credits for it

Personal Opinion
While I did enjoy Science One at the start of the school year because of the pros mentioned above, over the school year, I started taking an interest in a competitive major, which put a lot of stress on myself to achieve high marks. It almost felt like no matter how hard I tried and how well I thought I knew the topic, my mark was going to be low anyways because the way the content is tested. I feel like I shot myself in the foot when it comes to getting into my major as the application process is completely based on grades.
While I don’t know if I would have done better in mainstream (I probably wouldn’t have had as many friends, and therefore my mental health would be worse, and possibly it means that I don’t have as much motivation), I definitely think that I could have done better in mainstream if I had the same motivation I do now as their way of testing and marking may be a lot more lenient. However, I am almost certainly sure that if my cohort were placed into mainstream classes in first year, we would have achieved much higher grades than we did in Science One. However, I don’t know if being in Science One could have an effect on my performance in the years to come. I do acknowledge that over the year, I was able to develop really good study habits to manage the workload and also learned to prioritize my health, which will be beneficial in the future.
However, I have also noticed that there are some “hell weeks”, where we absolutely feel like dropping out. In both terms, after term 1 and 2 conferences, where we were away at camp for the weekend (we didn’t have the weekend to do schoolwork), there was a week where there were many overlapping assessments, such as math midterms, chemistry quizzes, math assignments, and chemistry assignments, etc. These are the assessments that ended up having class averages which were below expectations, which I feel wasn’t our fault at all.
In fact, we were burnt out, but because of our wonderful Student Council, we were able to have some assignments pushed back to alleviate some of our workload and reduce burnout. Special thanks to our chemistry professors, as they were always open to planning the chemistry quizzes on days that weren’t as bad for us, and even asked us which day we wanted the quizzes. I can tell they really care about our wellbeing and our performance.
In addition, even though Science One is marketed as being prestigious, most of the people I talk to don’t even know what Science One is, and the few who do know it, know it for its intensive nature and harsh marking scheme. There is no special treatment for Science One graduates that I know of except for the occasional “wow how did you survive?”.
Generally, I don’t regret doing Science One, but if I had the chance to restart first year, I would have chosen to go the mainstream route. I feel I would have been a lot less stressed and have gotten much better grades. However, I did meet so many motivated and amazing people this year, and have generally enjoyed some aspects such as camp. Unfortunately, because of my desired major, I have seen Science One as something that may have limited my options in the future.
Do I think Science One is for you?
These are my personal opinions and please don’t take this section as the final decider for you. Be sure to do more research!
To succeed in Science One, talent can only go so far. At some point you will be challenged academically, and you will doubt yourself. But what follow is what really determines if you are a good fit for Science One. If you want to give up and do something easier, go to mainstream. If you want to persevere and to learn more, Science One may be the right choice for you. If just you want the prestige of Science One, don’t do Science One, it is not as well known as their website may make it seem. If you want to go into Computer Science, Science One may not be for you since it has little connection to Computer Science and really lowers your mark.
If you really are hard set on a competitive major which requires high marks, consider mainstream, since it is very rare and very very difficult to do well in Science One. If you really love to learn more difficult concepts, have a tight community to be by your side, to have good connections to your professors, to get some research experience, AND grades aren’t a huge concern for you, Science One is for you.
Again, take my opinion with a grain of salt. You are ultimately the right person who can make the right choice for yourself. You know yourself the best. I hope this helped and I wish you all the very best in your studies, whether you decide to go Science One or not. Feel free to DM me or reply below if you have any further questions :)

So, like many others before me, I will start this by saying I am very illiterate about taxes. And I know at the end of the day, I am ultimately responsible.
With that being said, Ive been in good hands with a great CPA for over 10 years and he was a friend and responsive whenever I had questions.
Unfortunately, he unexpectedly died last year. His brothers are all CPAs at their own firm, so they were going to take over all of his clients for this tax year. That's the back story.
Right before tax season this year, I got an audit letter from the IRS about 2022. They were asking about my mortgage interest deduction. At this point, my new CPA already filed for 2023. This was in March. He said that he was too busy to deal with anything until after April 15, and to request an extension from the IRS, which I did. They wanted some documentation about my mortgage and asked to fill out a worksheet.
After the 15th, I finally got him to look at the IRS documents and we realized that my old CPA made an error in 2022. I bought a new home (which he was aware of) and deducted all of the interest as he normally did, even though it was above the $750k limit. I've had the same mortgage for over 10 years of dealing with him, and I think he just put in the new numbers without thinking about it. A clear error.
The new CPA just followed everything his brother did and filed the same way in 2023. Which was wrong. So he amended 2023 and refiled and I paid the difference.
So we finally did the worksheet and sent the documents requested by the IRS, but in doing the worksheet he realized that his 2023 amended form was wrong again. So he needs to amend again. I'm just furious at this point. It's another $1K difference but I paid a penalty for the first amended and now will have to pay another penalty for the new amended form. Total of $1100 in penalities. For less than month late.
And now I'm just waiting for the IRS to respond, even though we know what the error is. So that's the whole story. Here are my questions:
Should I really be paying for these two penalties that were clearly errors by this new CPA?
Is there a way to just deal with 2022 with the IRS as we know what the error was? Instead of waiting for weeks or months to figure it out? Will I have to pay penalities and interest on this as well?
Sorry for the long post, it's been a very frustrating few weeks.

Let's Decode What Depression Is And More

Today I will be going in depth about depression and decoding the word and reasoning with Numerology. We can already see that depression has a lot of repeated letters which shows there is too much of a focus on one thing and too much of something can usually hinder it or cause imbalance.
Let's break down the word DEPRESSION:
The word has E 2 times, S 2 times
D=4
E=5
P=7(16)
R=9(18)
E=5
S=1(19)
S=1(19)
I=9
O=6(15)
N=5(14)
Let's first focus on the obvious! This word has karmic debt numbers for the letters N, P, and S. Let's grab some context from a site that I will link below that explain what these karmic debt numbers mean in detail.
"The 14 Karmic Debt arises from previous actions where human freedom has been abused. Those with a 14 Karmic Debt are forced to adapt to ever-changing circumstances and unexpected occurrences. There is an acute danger of falling victim to drug abuse, alcohol, or overindulgence in sensual pleasures, such as food and sex. Moderation in all affairs is crucial to overcome this Karmic Debt." - credit goes to Karmic Debt Numbers in Numerology World Numerology
"The 16 Karmic Debt – in any area it appears in a chart - means destruction of the old and birth of the new. It is about the fall of the ego and all it has built for itself. It is a watershed, a cleansing. Things the ego has constructed to separate a person from the source of life, are destroyed.
Through the 16, reunion with higher consciousness may be achieved. This can be a painful process because it usually comes after much ego inflation, resulting in a struggle between the ego and higher ideals. Life will present challenges to your grand plans which you may resent and struggle against. It is a losing battle… and you will likely feel humbled in the face of the collapse that follows. However, humility is the key to later success, as you learn to follow the intimations of a deeper reality."
"A person with the 19 Karmic Debt will learn independence and the proper use of power. You will be placed in situations where you are forced to stand up for yourself (and often be left standing alone). One of the central lessons for people with the 19 Karmic Debt revolves around stubbornly resisting help from others. Much of your independence is self-imposed - you simply want to do it your own way.The 19 Karmic Debt can become a self-imposed prison if you don’t recognize the need for interdependence and the mutual need for love.Although you seek to stand on your own feet, you are inextricably connected to others and in need of the support and understanding that all people need - this is the most important lesson for the 19 Karmic Debt." And being personally connected to a lot of 19 energy, this is very true! There is one 19 person I watch on Youtube and he is using this energy pretty well.

DECODING DEPRESSION

Let's take a look at the word. You see it starts with the letter D which is ruled by the number 4 as the 4th letter in the alphabet. 4 energy is connected to privacy, home, family, discontent, restriction, and nonchalant energy. There is many more terms, but you can see where this is going. If you call certain companies toll free, listen to what they say you need to press number 4 for.
What just hit me as I looked at the word is the rest of the word after DE...PRESSION. Maybe there is something needing to be expressed(expression!) that isn't being expressed. All depression is, is suppression of something. D/4 can be suppression and withholding. That's why some jobs want you to fill out the W4 which is a withholding form! Depression comes when someone is choosing to withhold expression of emotions and genuine communication that can help. Taking caution to a whole new level and it ends up being destructive. 4 can point to dissipation which makes sense for destruction to mean what it means.
The word starts with the energy of 4 which is about withholding and suppression and end with the energy of 5 which can be conflicting.
All those letters and we only get to the number 5?!. This word is embedded with the energy of 1 and 9 which means that people who claim or feel depression CAN utilize their personal power to get themselves out of said depression. You have the right to process your emotions and once you do, you can start using your strength and power to overcome. Sometimes it starts with the mind.
Now, based on the letters and numbers with the word, let's see what numbers are missing!
We are missing 2,3,and 8! 2 gives a person a natural comfort within self. It can also make them loveable or easily cooperative with others. The energy of 3 gives a person natural optimism and majestic mental capacity. 8 gives a person a steadfast embedded powerful strength. This 8 energy gives a person unstoppable capability.
Getting over depression is about rising above a situation and having the capability of strengthening your perspective. Your confidence levels are something you have to personally master. Notice how depression ends with O and N which is 6 and 5. That's a backtrack. We're counting forwards, not backwards. 6 is about overcoming problems while 5 is the problems or insecurities. Depression ending with the energy of 5 is a thinkpiece. 5 deals with the uniqueness of a situation or action. You will have to do something different or new to wake up out of whatever this depression was about and understand that everyone's depression won't be the same!
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***ORIGINAL POST***
We're moving from Portland, OR to Atlanta the week of July 4th. I know this is peak season and a full-service national van line is going to be spendy. We've budgeted $20k max for the move, not including shipping our cars. We are paying for it ourselves and we've come to grips with the expense.
All that said, we've had three moving companies come out and give us quotes, each affiliated with a national shipper-- Mayflower, North American, and Allied. I'm sitting with all three quotes and trying to make sense of them. All three are binding estimates. All three are based on an in-home walk through and include a detailed inventory sheet. All three have roughly comparable insurance.
We're moving a four bedroom house, but we're selling 3 bedrooms worth of furniture and our large sectional sofa, so its really a bunch of boxes and a relative handful of big items. We are doing all of the packing ourselves and purchasing packing supplies from uhaul. Using an online worksheet, I guessed our total weight at around 6,500-7000 lbs after we purge the stuff we're not shipping.
This is what we got back as quotes:
Mayflower-- 8,500 lbs (215 items, 1,214.3 ft³), $18,808 all-in (with no transparency about additional costs (e.g. insurance, shuttles)). NO DEPOSIT. BINDING.
Allied-- 12,305 lbs (324 items 1,893 ft3), $17,001 all-in (~$2,400 of which is broken out as specific fees for a pickup shuttle, insurance, a mattress bag, etc). NO DEPOSIT. BINDING.
North American-- 6,573lbs (172 items 939 ft³), $11,482 all-in ($460 of which is broken out as specific fees for insurance and a mattress bag but only a destination shuttle is included in the bid). 20 PERCENT DEPOSIT. BINDING.
The quotes all came from affiliated movers in the Portland metro area. They each have comparable YELP reviews (a mix of 5 stars and 1 stars that doesn't feel like a huge red flag).
North American also provided a decent quote for our two cars and they'll handle the whole thing in one transaction, which I like, but I'm pretty nervous about how much lower they were on weight than others. I also expect I *will* need an Origin shuttle, which will at $1300-$1500 on to the North American bid.
I have some time to make this decision. I can definitely ask more questions. What should I do?
***UPDATE***
After asking questions to all three van lines per the suggestions below, we decided on Allied. They offered the best dates and I liked how responsive the rep was. They also helped us figure out our car situation. The didn't move down on the weight on the cube sheet-- they are still *by far* the heaviest estimate, but the price per pound was low enough that we ended up with a higher weight but lower overall cost than Mayflower.

Hi all, my wife and I had a massive owe when we did our taxes for 2023 (~$5,000), and as a result would like to change our withholding so that the difference at the end of the year is not as big. While $0 owe/refund would be nice to achieve by next filing, to be within +/- a couple hundred dollars would be perfect.

• I will start a new job this May at $125k/year (up from $67k/year at the job I'm about to leave).
• I am unlikely to receive my bonus since I have entered my notice period (would have only been ~$2k)
• My wife just a raise to $90k/year with a $4k bonus this year.
• We have 0 kids.
• Would like to file MFJ as we have in the past.
• We have no properties, side jobs, crypto, or anything that might generate extra income.
• We both contribute to our own health plans and FSA (my wife has a small retirement account, but I don't yet; planning to set that up when I officially start).
• We pay ~$300 in student loan interest per year.

I used the IRS calculator online, which asked for information for all three jobs and it said that I (the higher paying job) should withhold an additional $5,713, mark MFJ, and not mark any boxes in step 2. It said my wife should mark MFJ, no boxes in step 2, and no additional withholding.
I used the Multiple Jobs Worksheet on the W4 and it said that I should mark MFJ, nothing in box 2, and withold an additional $540. Therefore, my wife would just mark MFJ and nothing else.
However, conventional wisdom tells me to mark option c in step 2 because my wife's income is more than half of my income.
Do any of you guys have any advice? It seems like all three options above could yield wildly different results come next filing season. Like I said, I'm not trying to get a large refund, just get as close to 0 as possible. Also, any advice on people in person I can talk to? Seems like a lot of places that offer these services are more geared to businesses and don't talk to you if you're just an individual. I live in the DC area.
Thanks!

this is gonna be long, since i rly wanna give a deep rundown of my plan and situation so i can get the most accurate feedback on 1. if taking a math is a viable or even good choice 2. confirming my subject combi before locking it in by registering for o level as priv cand (april 17 deadline) 3. whether my plan is on the right track.
ill try to keep it organised and concise. im just really unsure on a lot of stuff and a bit of a hot mess so if u take time to read ill be eternally grateful
[Why am I considering adding A Math?]

1. I feel im inherently better at maths than any other subject, but i dropped it in sec 4 because it was so overwhelming and i hated not understanding the very thing i was supposed to be good at. but in the past few months, and during o's season 2023, i had a lot of classmates and saw a lot online about how a math is actuallt easier than e math. this makes me feel like i could do well in a math since revision for it is just practice and grinding questions, pyp, etc. similar to e math. I was capable of getting B3 for Emath last year with minimal prep (i dont think i did a single practice paper..) so I wonder if im capable of scoring in Amath. Am I wrong, and A math is actually very different and I shdnt even think abt picking it up w all the other subjects to juggle?
   
2. A reason I wish not to admit is I dont feel confident that i can score to get my target result in my other subjects right now. My last year rationale for dropping was also to have less subjects to focus on and do better in but now I'm starting to feel the appeal most students have of having multiple subjects so u have more leeway if one subj is bad. In the end its to increase my chances of getting my target L1R4
   

[What are my concerns?]
first is that ill need to learn everything from scratch, i feel that its possible using the textbook and tys alone, but i am doing so for basically my other subjects as well and if have a chance to do better for a math then why not?
this makes me concerned on whether i have enough time. my plan rightnow (may change) is go through syllabi subject by subject. then weave in practice for the subjects that ive gone thru the entire syllabus for already while i go thru syllabus of other subjects. Then I'll slowly increase the amount of revision and decrease the amount of learning over time.
my subject combi is EL, chinese, emath, pure bio, pure geog, SS/lit (hook&eye)
[ What's my projected timeline? (to help visualise whether i have time for learning amath) ]
So this week i managed to learn half of the bio syllabus. i read thru textbook until i understood, then did any school assignments and worksheets i kept from 2022/2023 of that topic i just read (cuz i didnt do them before😭), then did topical tys with some assistance frm tb just to familiarise myself w the qns.
next week: finish bio syllabus and topical tys 22-26: do bio paper (so i can put into practice my past two weeks of work) and e math topical tys 28/4 till chinese olvl 27/5: grind chinese tys and memorise some model compos.
3 weeks of june: geog syllabus runthru+ topical tys (idek if 3 weeks is enough because geog doesnt come to me as easily as bio and math... ), every week do 1 bio pyp so my bio knowledge isnt lost and 1 emath paper. last week of june: chinese oral+lc prep
2 weeks of july: hook and eye (Elect Lit book) runthru, every week 1 emath+bio pyp 2 weeks of july: learn and practice SS question types (maybe skim thru tb, im not keen on memorising tb for the last few marks at the back) and relearn and practice poetry analysis/literary techniques. every week 1 emath+bio pyp, 1 practice essay for hook and eye
by here id be done w all the syllabus and i can get to full revision in august, in time for when most schools have their prelim papers. id still have the whole of september and a bit of october to identify weak points and such? this is assuming everything goes to plan
if i add amath, i would be pushing the timeline back by giving myself another 2-3 weeks to learn the syllabus and do topical and id have less time for revision. is it realistic, is it worth it, is it viable?
ive heard miracle stories of people coming back from c6s in like 1-2 months which makes me feel its possible given i put in the work.
btw if its not clear enough, im a private candidate retaking o's due to bad mental health in 2023. so very independent study this year.
also in this post, i use the word "learn" for completely new concepts that i missed out lessons on in past 2 years (which is 90% of syllabi), "revise" for more passively relearning concepts to make sure they stay fresh due to the forgetting curve, and "study" or "practice" for actively doing work to fill in gaps of my knowledge and really prepare.
So yeah, any feedback, advice, on if Im too ambitious, anything Im not accounting for, any major flaws in my plan, and whether amath is a good choice for me. Whatever the case, I dont think I'm as delulu as the guy who wants to do alevel and get into med school w a wife and job /hj , so pls dont flame me and be nice OK SORRY FOR TAKING SO MUCH OF UR TIME TYSM SGEXAMS i go back to the bio grind now 🫡

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Exactly like it says in the title, I'm an English teacher- have been for seventeen years, and I just cannot bring myself to prioritize caring about the inevitable phones in my classroom.
I'm not saying I like them; they can be a horrible distraction at times, but I also don't see fighting them to be a war I could possibly win. I don't have the energy or the mental bandwidth to constantly look over shoulders or scowl "put that away." These days, I'm content if they're not being an overt disruption.
I try to encourage kids to treat their phones as a tool and not a distraction, and I'd like to think most do. Many just like the option of doing classwork while hearing their own music. These kids- post Covid especially, live through their devices; whether we like it or not, that's the truth.
Right before Covid, our district began a 1:1 policy with chromebooks, which led me to going fully paperless. All worksheets and literature are in the form of interactive documents or pdfs now, meaning that in a pinch a kid can even follow along in my class with a smartphone. There really is such utility to a smartphone when your work and materials are presented in that way, and I don't think I'm ever going back to paper.
I don't know, I just think that fighting the existence of something as ubiquitous as smartphones is silly, especially when the lessons already actively encourage use of technology. Besides, their future work and lives will also be heavily based and reliant on technology.
I've found that by choosing thoughtfully the times that I ask them to put the phones away, it makes the times that I do ask them more urgent and serious in their minds. I'm less likely to get pushback, especially when I offer context for why it's important now; state testing would be an example.
Sure, with my lax attitude toward tech, I do catch the occasional kid catching up on the latest season of "One Piece" when they ought to be working, but for the most part it's been fine. I've found it's not only the easiest way to go, but also the only really reasonable long-term plan.
Am I being a bad teacher here?

Tax withholding can get complicated so here is an attempt to explain how it works, using different scenarios. All examples using 2024 figures, cover federal taxes only (states often mimic the older federal system with allowances, unfortunately), and the spreadsheet used for screenshots is archived here (it will ask you to make a copy) and the current W-4 is here.

How withholding works

An image showing the steps of withholding is here but it's just:

• The IRS tells your employer to take your income subject to tax (gross income minus pre-tax deductions)
• Multiply by total pay periods that year (26, e.g.)
• Add or subtract anything you put in for W-4 Other Income or W-4 Deductions
• Subtract the standard deduction
• Compute tax on that (10% on the first $11,600, 12% on the next... etc.)¹
• Subtract the amount you had for credits in W-4 Step 3
• Divide by the number of pay periods
• Add the amount in W-4 Extra withholding

¹ For reference, tax brackets based on total income, versus subtracting out standard deduction you commonly see, is below. This makes a bit easier to understand taxes in my opinion.

Single	Married	Rate
$0	$0	0%
$14,600	$29,200	10%
$26,200	$52,400	12%
$61,750	$123,500	22%
$115,125	$230,250	24%

The four levers of the W-4
The W-4 has four boxes for you to adjust withholding (outside of filing status and Step 2's handling of multiple jobs). You can move the amount you have withheld by raising or lowering your assumed annualized income, or by raising or lowering your withholding, dollar for dollar. Note when withholding goes up you net paycheck amount goes down, but your refund goes up (or amount owe goes down).

Amt withheld	Assumed Income	Withholding $ for $
Increases	Other Income (4a)	Extra withholding (4c)
Decreases	Deductions (4b)	Dep's/credits (3)

Item	Time period
Dep's/credits (3)	Annual
Other Income (4a)	Annual
Deductions (4b)	Annual
Extra withholding (4c)	Per pay period

So in other words, say your income puts you in the 22% marginal bracket, meaning an extra $100 will cause tax to go up $22. Putting $100 in Other Income (4a) will cause withholding to go up $22/(pay periods), in Deductions (4b) will cause withholding to go down $22/(pay periods). Putting $100 in Credits (3) causes $100 less to be withheld over the year. Putting $100 in Extra withholding (4c) will cause $100 to be withheld every single paycheck.

Basic Examples

Say Alexis has a salary of $100,000, paid bi-weekly (26× a year).
Example Simple is just $100,000, Single. Tax computation if you don't trust me [is here] or paycheckcity is a good source, but is $13,841. Hence $532.35 withheld 26 times. And note in the screenshots, boxes with fill colors and dashed borders are inputs, the rest is computed.
Example Simple Pretax shows how pre-tax deductions lower withholding, but don't interfere with withholding accuracy. Alexis's $2,600 in deductions is $100 per bi-weekly paycheck. Alexis is in the 22% tax bracket, so that's $22 less withheld per paycheck. Annually, $2,600×22% = $572 less tax. $13,841 ([Example Simple]((https://i.imgur.com/Y0MoUbC.png))) minus $572 is $13,269.
Example Simple Joint shows how filing status alone also doesn't mess up withholding accuracy. Tax is lower for Married (filing joint, in all these examples), but the withholding algorithm knows this and computes tax on the Joint tables vs Single depending on what you put in Step 1 of the W-4.
Other Income & Deductions
Steps 4a & 4b (Other Income & Deductions) on the W-4 cover alternations to your work's annualized income.
Example Extra Income shows what happens if Alexis gets $300 in extra, un-withheld income, like bank interest. Her tax goes up $300×22% = $66. Example Extra Income Fixed shows how putting $300 in Other Income (4a) means she doesn't need to do that math -- it's taken care of in the algorithm. Even if her extra income passed a tax bracket, it's no issue. The algorithm will just lump Other Income with the rest of her income just how the 1040 does.
Example Deduction shows the opposite -- if Alexis puts $7,000 to her IRA, she would normally get 22% of that ($1,540) back. But she can put $7,000 into Deductions (4b) to lower her withholding (by $1,540/26 per paycheck) to get paid that money during the year which we see in Example Deduction fixed.
Note that your employer's instructions tell them to assume you take the standard deduction. If you itemize, only put the amount over the standard deduction in Deductions.
Example Itemize shows why: if Alexis's Schedule A total is $1,000 more than her standard deduction, she saves $220 on taxes. But she only should add $1,000 in Deductions to even it out as we see in Example Itemized fixed (see W-4 Deductions Worksheet).
Extra Withholding
Extra withholding is needed when you deal with the "Other taxes" on the 1040, usually reserved for high-income earners or people who have to pay penalties for early withdrawals or who owe from previous years. It's also often used as a buffer to make sure you don't owe. For example, if you don't know your bank interest or capital gains, you can put a value here to help keep from owing.
Example Extra withholding shows how a high-income earner has to pay an Additional Medicare Tax. The $540 in extra tax is dealt with $540/26 into Extra withholding. Note this box (4c) unlike the others (Step 3, 4a, 4b) works per paycheck instead of using annual figures.
Credits
The final of the four boxes we can alter on W-4, Step 3, is for credits. It's labelled Claim Dependent and Other Credits, so note it's for all credits like educational credits or buying an EV.
Example Credits shows a simple credit -- if Alexis gets a $2,500 credit, she can put $2,500 in Step 3 and she'll have $2,500/26 less withheld per paycheck.
Non-refundable credits -- treat as all other credits
A non-refundable credit will subtract from your tax liability but -- unlike a refundable credit -- won't cause your tax liability to go below $0 (and thankfully, refundable credits are subtracted after non-refundable credits).
Example non-refundable credit, full shows how a non-refundable credit on Step 3 works fine if the taxpayer has the income to support it. If Alexis (whose tax is over $13,000) buys a Tesla and gets the $7,500 EV credit, withholding works with Step 3 as well as always.
Example non-refundable credit, partial shows how a non-refundable credit also isn't a problem with income that doesn't have enough tax to take full advantage. In this case, with a lower income, some of the $7,500 is unused. Yet with $7,500 in Step 3, the taxpayer's income went to $0; and with a tax liability of $0 after the credit, things work out.
In other words, put your non-credits in Step 3 and don't worry if you take full advantage. And refundable credits don't have this issue, either, since they let tax go <$0.

More Advanced Examples

Bonuses
Bonuses are taxed just as ordinary income but withholding rules your employer follows are different. Note one-off or infrequent bonuses should have a flat 22% withheld. The other method of withholding is out of scope of this post.
Example Bonus shows if Alexis gets a $10,000 bonus, it add $2,200 to her tax. Her employer kept $2,200 back, so there's nothing to do.
Example Bonus, high income shows what happens at higher incomes or higher bonuses (it's all added together). Her $16,125 bonus now fills up the rest of the 22% bracket, and (a convenient!) $1,000 is going to be taxed at 24%. Since the whole bonus is withheld at 22% per regulation, she's going to owe 24%-22%=2% of $1,000, or $20. Putting $1 in Extra withholding will address this.
Example Bonus, low income shows what happens at lower incomes. If Alexis makes $50,000/yr, that's in the 12% bracket. So her 22% withholding on $10,000 means she's getting (22%-12%)×$1,000 = $100 back in a refund. She can correct this by claiming he shas a $100 credit, so $100 in Step 3 in Example Bonus, low fixed
Self employment
Self-employment can get complicated, so for Example Self Employment let's zero some things out, but we'll keep the $100,000 in Alexis's base job. She decides to do side gigs, expecting to clear $10,000 in profit (gross income minus deductions) by the end of the year. She's going to need to pay both income tax, but also self-employment tax, which is about twice the 6.2%+1.45% FICA tax that employees pay for Social Security and Medicare.
So $10,000 means $1,413 in self-employment tax. Divide by 26 to put $54 in Extra withholding. Now half of that is deductible, so we have $707 taken off her income (even without itemizing, this is called an adjustment), so we need $707 in Deductions. And thanks to something called QBI deduction (through 2025), her $10,000 gets discounted 20%, so that's $8,000 in Other Income. Putting all three items in the W-4 results in near-perfect withholding (amount due is rounding error from Extra withholding).

Multiple Jobs

For a few reasons, the W-4 does not communicate information about other jobs to your employer. In other words, the W-4/employer instructions assumes you only have one job, so you need to adjust other boxes to compensate. Failing to do so is common, and results in money owed.
Example Multiple Unchecked, a complicated one for those curious, shows why multiple jobs can mess up withholding. Each employer, acting as they are your only employer, subtracts the standard deduction from your annualized wages and starts at 10% for dollars above that. But because income stacks, one of those jobs needs to withhold more.
Step 2 on the W-4 deals with multiple jobs and you pick only one option:

• 2a is the online withholding calculator. It's out of scope for this long-enough post.
• 2b is the Multiple Jobs Worksheet
• 2c is the Two Jobs Checkbox which works great if incomes are similar between two jobs

All options result in updating all W-4's. I offer simple solutions that don't in the Part time section below; but for full-time jobs, 2a-2c is better.
Multiple Jobs: The Two Jobs Checkbox (withhold as Single option)
Say Alexis gets married and her spouse also makes $100,000. They can both select Married Filing Joint on the W-4 and check the Two Jobs/2c checkbox, which says it's a good choice if the two jobs are within ½ of each other (so if one job is $100k, the other should be $50k-$200k). This is the same as the "Married, but withhold at the higher Single rate" checkbox on pre-2020 W-4's. In fact, it's the same math as if Alexis and her spouse selected Single and left 2c unchecked, thanks to the brackets for Joint being double that of Single (up to a high income anyway).
Example 2c checkbox, working shows how well the 2c checkbox works for two jobs of similar incomes. And it doesn't have to be for married couples, it works on Single earners as well (it essentially tells the employer to withhold half of what it normally would)
Example 2c checkbox, bad shows how the 2c checkbox fails if the incomes are different. The guidance about "half the other income" on the W-4 is good advice, but this shows what really matters is if each job is in the same Single bracket (accounting for the standard deduction). Some of Alexis's income was withheld at 22% when it will be taxed at 12% when filing Joint as her spouse had extra "ceiling" to fill up in 12%.
Multiple Jobs: the W-4 Multiple Jobs Worksheet ("MJW")
Example MJW Intro shows a candidate for the Multiple Jobs Worksheet, because the incomes are different (although note the Job 1 income is over $110,000, the last column the Worksheet uses). It works by looking up the two jobs on a W-4 table to get a figure, then dividing that figure by number of pay periods (really you should divide by number of pay periods left in the year) and putting that into Extra withholding. It essentially makes up for the fact that both jobs are subtracting out the standard deduction from their incomes.
The Multiple Job Worksheet works, but note the figures in the W-4 table are biased towards giving refunds. Taxpayers are generally happier getting refunds, and the IRS certainly doesn't mind not having to collect amounts owed.
Example MJW high shows the bias in a worst-case scenario -- if your incomes are both towards the bottom end of a column or row value (like $X0,000), it can result in very high refunds, which really means you had too much withheld from your paychecks.
Example MJW low shows the opposite -- with values on the high end of column/row values (like $X9,000) you get more accurate withholding and may even owe a little bit.
Multiple Jobs: Assigning credits to the higher income
Whenever you enter values for Deductions or Credits (steps 4b and 3, respectively) it may not matter on whose W-4 you put them on, but it's safer to put them on the W-4 with the higher-paying job. This is because you want there to be enough "room" in the normal withholding to absorb the amount the withholding will go down. For example, if a credit normally means $500 less withheld per paycheck, you want a job that withholds at least $500 without that credit. Since withholding can't go below $0, it would be inaccurate otherwise.
Example MJW No Kids shows two jobs with $0 owed or due with the Multiple Jobs Worksheet (Job 2 income is just what happens to get $0 result with the $99,000 Job 1 income). If the couple has/expects a child by 12/31, they will want to add a $2,000 Child Tax Credit (and you want this for the full year, credits are not pro-rated by months).
Example Credit assigned to high income shows how a credit assigned to the higher income works fine.
Example Credit assigned to low income switches Job 1 and Job 2 incomes and shows how a credit assigned to the lower income can cause issues. Job 2 only had $792 withheld over the year, so a $2,000 CTC causes a $2,000-$792 refund.

Part-time, seasonal, or not full year work

If you have part-time or seasonal work, or really any work where paychecks aren't similar the whole year, the W-4 can be very inaccurate, because the W-4 assumes you make the same amount each and every pay period for the full year. But there are easy solutions (easier than the IRS withholding calculator which you can always use)
With a full-time job
Example Main and Part-time job shows what to do if you have a full-time job, and you (or even a spouse) has part-time work: figure your total income for part-time work and put that in the main job's Other Income (4a). This job now handles all withholding, and now you just need to set the part time job(s) to $0 withholding. You can do this by marking the "Exempt..." box on those W-4's, or putting a large number, say $15,000 into Step 3. This works because a Single filer needs over $100,000 to have a tax of >$15,000.
With only part-time work
Example Part-time job shows what to do if you don't have a full-time job. For a part-time job, you can:
1) Estimate your total income for the year 2) Use any online calculator to estimate your tax due on that income (note some calculators ask for "taxable income"; if so, subtract the standard deduction from step 1!) 3) Divide that number by the total number of paychecks you expect to receive that year 4) Put that number in Extra withholding (4c) 5) Put a large number like $15,000 in Step 3 to make sure that the number you put in Extra withholding is the only amount withheld.
If you have multiple part-time jobs, you can do the same as above, but the math gets tricky -- the whole reason the W-4 fails with multiple jobs is not accounting for the fact income stacks. So if you have a second job, figure its tax on top of previous jobs.
Example multiple Part-time jobs shows how this can be done. Forgive the very simple numbers, it's to help illustrate the process. Using online tax estimators can help you figure the tax on Job 1, and then just add in Job 2's income, take the increase in tax, and use that for Job 2's basis. So $Job_1_tax/number_of_paychecks goes into Job 1's Extra withholding. Then ($Job_2_tax-$Job_1_tax)/number_of_paychecks_job_2 goes into Job 2's Extra withholding.
A note about varying pay
If your paychecks vary, then this will generally result in over-withholding (a refund). To see why, imagine there was just a $10,000 standard deduction and a flat 10% tax on everything else. Taxes on $60,000 would be 10% of $50,000 or $5,000. Taxes on $120,000 would therefore be $11,000. So we see tax on 2N is more than twice the tax on N. This is true for our actual tax brackets (progressive taxation)
Now if we assume perfect withholding, if you make $N one pay period, and $2N the other, withholding won't be based on 1½×N. The $2N paycheck over-withheld more than the $N paycheck under-withheld, so this means you had a bit too much taken out; hence a refund. Fixing this is very difficult, so you may want to use the IRS withholding calculator or just enter a value in Step 3 (Credits).

I'm 21F working in a French skincare retail store. Sorry if I don't organize my thoughts very well, I'll try condensing a summary of my troublesome workplace. I'm super frustrated and don't have anyone to talk to.
I was hired by my previous boss (PB), who told me "I hired you because... don't take this wrong, we only have black workers, so I hired you to not seem biased". To be fair, I've been working here for 10 months and most of it was smooth.
I do have a massive issue with a 48F coworker Mia. She has been friends with PB for 12 years and was hired as a seasonal. But holy shit, she's been making life difficult for me. My coworkers, who rarely gossip, warned me that she was talking badly about me. She claims that I talk too much, but also that I'm too quiet.... she claims that as a 21 year old, I'm too young to work and I should quit.
First of all, I've been uncomfortable with sexually explicit topics. Mia kept talking about a man sexually abusing his wife (anal, kinks, gang r*pe, beating). Plus, she told me about being so drunk that she got arrested because she tried to commit suicide. Mia also brings a diary that says "dealing with my drinking pronlems" and one time she left it open. Saying stuff about how she's jealous of others having more stuff than she does. Apparently she's in deep credit card debt and has her mom pay $700 in rent for her. I brought it up to PB about being uncomfortable. But they've been friends, so I was brushed off.
Second, Mia was allowed to help PB with scheduling. After hearing that I complained about the sexual topics, she was scheduling me 4 hours a week only.
Third, Mia started falsely accusing me to PB. Claiming that I messed up the cash till. Even though I watched HER do it and she said "I'll take responsibility". Or claiming that I treat her like she's stupid -- even though she explicitly says "I don't know how to do this, can you teach me?"
Currently, I've been keeping evidence of her bad habits. We have these receipts that show what time we open/close the systems. Mia is supposed to open the store at 10 AM, but she only gets to work at 1 PM. We can clock in on our phone from any location, so I know she's been stealing time. Mia also claims she'll take the deposits to the bank. Then she conveniently forgets to do it, but comes back 30 minutes later with Chick-fil-A.
I'm having a hard time at work even though I'm keeping her at a distance? It seems that giving her less attention actually helps. Still, there have been times Mia slammed the table or gives me attitude. It actually scares me.
Besides that, my workplace is going to shit as we speak. PB got fired by a new district manager (DM). DM is absolutely horrid. (DM told us we weren't allowed to clock in if we were going to the bank or preparing the store. She wouldn't answer my calls when there was a snow storm, but we had no manager at the time and DM was the stand-in). The new boss (NB), who used to work for PB, comes in. Mind you, NB also doesn't care when I mentioned a hostile workplace.
Our wifi has been 1/2 broken for months, now fully down for 2 weeks. We can't do online or pick-up orders. We can't even take card payments. We can't do refunds. Inventory is all wrong, NB has never been a manager before. Much less a manager of 2 stores.
NB tells me I have to do online training modules. That can only be accessed by work computers.... that have no wifi. NB has a problem with me calling off work for court dates and being a care giver for my terminal grandmother.
Honestly? NB is a weirdo 60-something lady. She asked me if I knew how to use the broken machine. I told her, yeah my coworker taught me. Her response: "Your coworker taught you, but I taught them, so really I taught you, am I correct?"
I noticed she has a weird ego and she constantly asks me "am I right or was your previous boss right?" or saying PB deserved to be fired. NB tells me that corporate life will be like this, and that I should be glad I work here because she is "a very understanding person". Which she repeats everytime she sees me, so I don't think she's understanding lol.
Hell, NB is threatening me with write ups for doing my homework. Normally, we don't get customers for HOURS on weekdays. If I don't have any tasks or restocking; I always start some physics and chemistry worksheets. Customers never have an issue with this. In fact, I have good Google reviews & company reviews of me. I have several customer contacts and I've been tipped before. I am #2 in sales for both locations and people tell me I'm a good salesperson.
NB tells me it doesn't matter. "You're not paid to do homework, make yourself look busy even if there's nothing to do. You can play on your phone or watch Netflix, but you can't do homework because that's unprofessional".
At this point, I'm sick of everything. I'm sick of the bullshit. I'm sick of opening and closing the store solo. I'm sick of my new boss being a micro manager and being useless.
I'm considering finding a new job. I'm eyeing a hotel receptionist, security guard, or currency exchange teller. Most of them are allowed to use their laptops or use their free time they wish. They also pay bigger and allow you to sit down. In fact, my workplace tried to fire someone for sitting in a chair.
But otherwise, I'm trying to buy some time before I hear back from job applications. I guess I want advice about how to cope with workplace politics. How do you deal with coworkers like this? How do you keep your mental health?
Thank you so much for your patience. I wrote this haphazardly. I'm just disappointed that every workplace-- I expect older coworkers to be better. But maybe I'm just naive.

In an effort to streamline things and make life easier for the person who drafts our bulletins, the proofreaders, and the musician, I’m trying to think about a “worship worksheet” that will have the readings, the prayers, and the music for each week.
This would be especially helpful, I think, when it comes time to plan fir the seasons, but I’m not sure if I’m making busywork or not.
Anyone have experience with something like that or a template they’re willing to share?

It's finally yours. Your very own home. You can paint the walls whatever you like. Heck, even knock out a wall! There's no landlord to fight you.
But if you're serious about developing good homeowner habits (so your home makes you richer, not poorer), you'll use this worksheet the minute you close on your home — if not before. Easier to do now than suffer some head-slapping regrets later.
If that doesn't do it for you, here's a *cheater* version done in the form of 22 tips. You only need to scroll:
​

Security & Safety

These are the very first things you should do after buying a house (for obvious reasons):

1. Change locks. Spares could be floating around anywhere.
   
2. Hide an extra key in a lockbox. Thieves look under flower pots.
   
3. Reset the key codes for garage doors, gates, etc. The former owners might've trusted half the neighborhood.
   
4. Test fire and carbon monoxide detectors. Who knows when the last time was. Definitely install them if there are none.
   
5. Check the temperature on your water heater, especially if you have young ones, so it won't accidentally scald. Manufacturers tend to set them high (but the best temperature setting for hot water is 120 degrees).
   
6. Make sure motion lights and other security lights have working bulbs.
   
7. Put a fire extinguisher in the kitchen and each additional floor.
   

​

Maintenance Planning

Start your master maintenance plan (and good home-keeping habits) by setting reminders in your calendar to do these basic maintenance tasks:

1. Clean out the dryer hose and vent yearly. Clogged ones burn down houses. And you don't know the last time the previous homeowner did it.
   
2. Change your HVAC filters at least once a season. You'll save on heating and cooling — and your unit will last longer. (While you're at it, go ahead and stock up on them, too.)
   
3. Schedule HVAC maintenance for spring and fall.
   
4. Clean your fridge coils at least once a year. It'll run better and last longer. (Don't see any coils? Lucky you! Newer fridges often have coils insulated, so there's no need for annual cleaning.)
   
5. Drain your water heater once a year.
   
6. Clean your gutters at least twice a year.
   
7. And if all items on your inspection report were not addressed, make a plan to fix them — before they become bigger and more expensive repairs.
   

​
​

Emergency Preparedness

You really really don't want to be figuring any of this out in a real emergency. Do it now. You'll sleep better and be less likely to ruin your home.

1. Locate the main water shut-off valve. Because busted pipes happen to almost every homeowner at least once. And water damage is value-busting and pricey to fix.
   
2. Find the circuit box, and label all circuit breakers.
   
3. Find the gas shut-off valve, too, if you have gas.
   
4. Test the sump pump if you have one. Especially before the rainy season starts.
   
5. List emergency contacts. You already know 911. These are the other numbers you often need in an emergency. You should have them posted where they're easy to see. In fact, here's a worksheet you can fill out and post. Furthermore:
   

• Your utility companies
• Your insurance agent
• Plumber
• Electrician

1. Assemble an emergency supply kit. Some key items are:

• Flashlights and batteries
• Non-perishable food and water
• Blankets and warm clothing
• A radio, TV, or cell phone with backup batteries

​

Home & Mortgage Documents

These are in case there's a dispute with your mortgage lender or a neighbor over property lines, or if you're a bit forgetful about due dates.

1. Store copies (the originals should be in a fireproof safe or safety deposit box) of important home documents so they're readily available. Go paper, cloud, or better, yet, both.

• Lender contact information
• Property survey
• Inspection report
• Final closing documents
• Insurance documents

1. Set mortgage and other bills to auto-pay so you're never late.

​
​
Article Source

Hey there, Excel Enthusiasts! 🚀
Are you ready to unlock the magical world of Excel? Whether you're a newbie looking to dip your toes into the spreadsheet pond or a seasoned pro seeking some advanced tips, this guide is here to make you an Excel wizard in no time!
📌 Excel Basics: A Solid Foundation
First things first, let's start with the essentials. Excel is like your virtual canvas where you can create, analyze, and organize data. Here's a quick rundown of basic terms:

• Workbook: Think of it as your digital notebook, containing multiple spreadsheets called Worksheets.
• Cell: The smallest unit in Excel where you enter data. They are identified by column letters (A, B, C...) and row numbers (1, 2, 3...).
• Formula: The magic wand of Excel! Use formulas to perform calculations, from simple addition to complex statistical analysis.
• Function: Built-in Excel formulas like SUM, AVERAGE, and IF that simplify complex tasks.
• Chart: Turn boring numbers into visual masterpieces with charts like bar graphs, pie charts, and line graphs.

🔍 Data Entry and Formatting
Now, let's jazz up your spreadsheet with some style!

• Entering Data: Just click on a cell and start typing. Press Enter to move down or Tab to move right. You can also copy and paste data from other sources.
• Formatting: Make your spreadsheet pop! Change font styles, cell colors, and borders. Use the 'Format Painter' to copy formatting from one cell to another.
• AutoFill: Excel is like your personal assistant. Type something in a cell, and it will suggest completing the rest of your entry based on patterns.

🔄 Formulas and Functions
This is where Excel truly shines. With formulas and functions, you can automate calculations and data analysis.

• Basic Formulas: Start with simple arithmetic operations like addition (+), subtraction (-), multiplication (*), and division (/).
• Functions: Explore functions like SUM, AVERAGE, COUNT, and IF to perform more advanced calculations. Excel has over 400 functions to play with!
• Absolute vs. Relative References: Understanding these will save you a lot of time and headaches. Absolute references ($A$1) won't change when you copy the formula, while relative references (A1) adjust automatically.

📊 Visualizing Data with Charts
Data can be dry, but charts make it exciting! Here's how to create and customize them:

• Select Data: Highlight the data you want to include in your chart.
• Insert Chart: Go to the 'Insert' tab and choose the chart type that best suits your data.
• Chart Elements: Add titles, labels, and data points to make your chart informative.
• Formatting Options: Modify colors, styles, and other chart properties to match your taste.

🔗 Working with Multiple Worksheets
Excel is all about organization. If you have loads of data, use multiple worksheets within a single workbook:

• Add Worksheets: Click the plus (+) button next to your existing sheet to add more.
• Rename and Color: Right-click the sheet tab to rename and color-code your sheets for better organization.
• Navigation: Easily switch between sheets by clicking on their tabs.

📂 File Management and Sharing
Excel doesn't live in isolation. Here's how to manage and share your work:

• Save and Save As: Regularly save your work by hitting Ctrl+S. Use 'Save As' to create different versions or save in different formats.
• Sharing: Collaborate by sharing your workbook with others through OneDrive or sending it as an attachment.
• Password Protection: Keep your data safe by password-protecting your Excel files.

💡 Tips and Tricks

• Keyboard Shortcuts: Learn handy shortcuts like Ctrl+C (Copy), Ctrl+V (Paste), and Ctrl+Z (Undo).
• Data Validation: Use data validation to ensure that entered data meets specific criteria.
• Conditional Formatting: Highlight data based on conditions you set.
• PivotTables: Master this powerful tool for data analysis and summarization.

🏆 Practice Makes Perfect
Remember, the key to becoming an Excel wizard is practice. Experiment, make mistakes, and keep discovering new features. Excel is a vast universe, and you've just scratched the surface!
So, there you have it, your comprehensive guide to conquering Excel. Now, go forth and spreadsheet with confidence! 💪✨
Got questions or need help with a specific Excel task? Feel free to ask in the Quora space, and the Excel community is here to support you on your journey. 🚀📈 #ExcelMastery #Spreadsheets #DataMagic

Background: Worked for one PA firm for a majority of my career. Due to some medical issues, I ended up leaving that firm since the workload/stress were triggers for my medical condition. I went on to start working at a much smaller PA firm here in town with a more manageable workload but I'm having trouble adjusting to their methods and I guess overall attitude about workpapers and deliverables.
At my old place, we were always striving to be better each year. We would find some way to improve our workpapers or our processes even if that involved overhauling how we did certain things. Every staff member, no matter what your level, had a voice. If a first year had a great idea for improvement, we would implement it. This attitude was reflected in the quality of our work which continued to go up each year.
Here, though, it doesn't feel like anyone really cares. It was represented to me that we were a CPA firm when I was doing my interviews, but I recently checked the board of accountancy for my state and I found out that we aren't actually a CPA firm. Which means we don't get peer reviews. So there's never really been a need to be better as a firm.
There are so many issues that, from a professional standpoint, make me super uncomfortable. Some things to note:

• We don't post journal entries to the books, so each year retained earnings is always a mess to tie out.
• During tax planning, we only really push for the client to implement a certain one or two tax strategies that give us work to charge the client. We won't bother trying to inform the client of general tax strategies that would help them but don't bring us revenue.
• For bookkeeping, we don't care about resolving other assets or random loans that haven't been touched for years. That combined with unclosed equity accounts just make for a messy balance sheet.
• For tax preparation, we take a very as-they-are approach to books. So if a client gives us books that are very clearly wrong, we will prepare them as is without trying to tie out major accounts that would most certainly have a huge effect on taxable income.

There's so much more and I could go on and on. I didn't even cover the minor things like how we don't sign off or date our workpapers. Or how we won't try and explain where certain numbers come from so god forbid if you ever take over a tax return from another preparer. I have one coworker who doesn't even reference their workpapers.
And of course these things I ultimately don't mind. I don't expect a newer firm to be nearly as quality as my old firm that has been around for decades. What frustrates me to no end is the attitude. I do my best to bring these things up in a very collaborative and helpful manner but I'm ultimately shut down or straight up disregarded because they would prefer to stick to the ways they've done things. I create worksheets and spreadsheets that are vast improvements to what we currently use, but no other staff gives a shit enough to use them. At my old place, those worksheets would immediately be implemented by a large majority of staff.
It's incredibly frustrating and I don't know what to do. I was brought on at a senior-level position with plans to eventually head into a junior partner role which was great at the time. But after half a year here, I'm having second thoughts. It seems the partners don't care about the quality of work but instead the quantity of tax returns they can just pump out and bill to the client regardless of being right or wrong whereas the quality is just as important to me.
Have any of you ever dealt with this kind of culture shock? I really don't know if I should just leave after tax season, adopt their ways and just significantly reduce my standards of quality, or suck it up and continue to try and make improvements in the firm.

2022-024 / Zedd MAP: 82.72 / MLZ MAP: 85.43 / Score Gap: 2.71
Wikipedia / IMDb / Official Trailer / Our Collection
A nerdy kid sits on his mitt in the outfield with his back to the diamond counting cars… “Red Buick LaSabre, same as Oldsmobile Delta 88, same as Chevrolet Impala” ((baseball sounds)) “Gold Mercury Cougar, same as Ford Thunderbird” ((louder baseball sounds)). The kid’s attention to local traffic patterns is broken by the unexpected appearance of a rolling baseball. He’s been out here in right field game after game, never has this happened before. He turns to see who’s thrown the ball at him and slowly realizes the game is still going and everything suddenly moves in slow motion. It’s clear this strange turn of events has confounded the tyke, nobody is surprised we he picks it up and walks it to the nearest player. What should have been an easy out or base-run at best becomes a home run.
From IMDb: An aging, down-on-his-luck ex-minor leaguer coaches a team of misfits in an ultra-competitive California little league.
Mrs. Lady Zedd looked confused as she was proof-reading, “I don’t remember that scene? Which kid was it?” I look somehow mischievous and innocent at the same time - it wasn’t a scene from the movie, it’s a scene from my youth. I’m not what you’d call athletic (although we both enjoy us some robot fighting time - who wouldn’t? It’s like robots, fighting and shit) but I did, in fact, play baseball. Well, I’m not sure “play” is the right word… more like “my parents forced me, saying it’d be good for me (it wasn’t), I’d pick up skill and coordination (I didn’t), and the sunshine wouldn’t do me any harm (ok, I have my moles checked regularly but the jury’s still out on that one - if anything, it reinforced my hatred of being out under the scareball’s rays but… I digress).
This one sits firmly in the “movies of my youth” category but it’s not one I’ve watched more than twice - once back in the day, once shortly after the 2005, Billy-Bob Thornton Remake - think what you will of Mr. Thornton, but he stuck with the moniker Billy Bob after he left the hills of Arkansas, and that takes a special sort of bravery in my book. On a side note, my family resided just south of Billy Bob’s starting point of Hot Springs and it’s just the way they roll out. To each their own. ((Wink-wink))
The movie has a decidedly low-rent feel, maybe even a bit exploitive of the children whose foul-mouthed dialog (which includes racial slurs, common back in the day) feels more spectacle than artistic but it becomes obvious in time it was intentional. These are, after all, the reject kids and Walter Matthau is a “drink beer, laced with whisky at 8am” sort. As the story develops, you can’t help but root for the underdogs, even as they don’t root for themselves. As things progress, somehow, the team comes together - aided by a new pitcher (Tatum O'Neal - who, at the age of 10 had stolen everyone’s heart in Paper Moon (1973) - a worthy watch in itself) and a jack-of-all-trades player (Jackie Earle Haley), whom the other coaches have written off as a juvenile delinquent (diamond in the rough, for true).
With the pieces in place, our drunk coach pulls himself up by his own socks and the team has a certifiable cinderella season - right up to the championship game. ((Spoiler Alert)) They lose, but in doing so, they win - this motley crew has somehow become a team. As the credits begin to roll, Mrs. Lady Zedd looked over to me as she began filling out the Movie Algorithm Project worksheet and opined, “…it’s proof you don’t need to spend millions and millions of dollars on special effects when you’ve got a solid story…” - a very Movie On sort of thought if you ask me, she always says the best things.
Side note: if you were worried about Little Zedd up there - forced to be outside and play America’s Pastime, you needn’t be… after a single season of walking the ball to other players, missing every ball while at bat, and watching the cars go by from the outfield - I… yes, I was responsible for our team’s championship win.
It was the last inning and our bases were loaded as I walked to the diamond - possibly the worst possible turn of events for our team. There was a very audible groan from the bleachers as they called my name. Bat in hand, the coach (not wanting me to be any more nervous than I already was) instructed me to just do the best I could… nobody expected much. “If we lose, we lose.” Words to live-by that… As I swung the bat, I wish I could tell you I followed the most basic rules of engagement - keep your eye on the ball - but in truth, I closed my eyes. I also dropped one hand from the grip and swung with one arm only. To my (and everyone else’s’) surprise, there was a loud ((cRaCk)). Dumbfounded, I simply stood there, only taking foot to first base when the coach gave me a mighty shove. The other team seemed equally confused (I never hit a ball all season) and the first baseman was too busy laughing to catch the ball - I rounded first and headed to second. Here the ball had been thrown well over that baseman’s head - yes, I was on my way to third. It’s the one and only time (in my entire life) that I had connected with the game. I was safe on third, but three other runners had come in… we won the game.
I admit, it might sound like a farce but that’s the true story of it. I was young, but I learned a lesson that day - it simply doesn’t matter how you win, just that you score those ‘Ws’ however you can when it’s do or die. If you’ve been around 500 Movies for any amount of time, you’ll know my writing exemplifies “ugly win over beautiful loss” any day of the week. :]