Tag: observations

Once upon a time, taxes edition

~ dannyhong ~ Leave a comment

Once upon a time, people used to say that homeownership was a huge benefit come tax time.

At this point, I’ve been a homeowner almost longer in my life than I haven’t.  Hard to swallow that pill, but I did purchase my first home when I was 22 years old, and I’ve been paying mortgage notes almost entirely since then, with only a small gap while I was in between homes in 2017.

However, the first home, I was splitting the mortgage 50/50, so at the end of every tax season, it really didn’t benefit either myself or Jen.  We had talked about alternating years in which we would declare head of household and file 100% of the taxes on our respective returns, but it never came to fruition, and that was all at the tail end of our tenure.

It kind of helped when I was in my current digs, when mythical then-gf and I were living in sin and filing our own taxes as individual singles.  It helped me from going straight negative, and I had maybe 2-3 years where I actually made a little bit of cash back, which was a massive win considering how many years previously in which I always seemed to owe money.

Once upon a time, people used to say that marriage was a huge benefit come tax time.

I can’t really speak much to this one, considering mythical now-wife and I have been married for closing in on year, this summer.  I think in 2019 we still filed as individuals, since we were not-married for more of 2019 than we were.  By the time we filed in 2020, the vast majority of the year was spent preparing for the birth of #1 and then navigating through the coronavirus-addled world, and I can’t say that we really had a single tax return where we were a married, childless couple.

Once upon a time, people used to say that having kids was a huge benefit come tax time.

Stories of degenerate baby mamas, entrapping dumbass men who can’t be bothered to put a raincoat on, popping out and collecting children like they’re Infinity Stones, and collecting come tax time.  I’ve known some women who perhaps weren’t as degenerate, but they also weren’t shy about expressing their anticipation for taxes, due to the supposed benefits and breaks they were always subject to based on the number of children they had.

In all fairness, contrary to the tone of this post, mythical wife and I actually did have an incredible 2020 tax return.  The amount of money that was refunded to us, I had to wipe my eyes and run the numbers multiple times, because I was positive that there had to have been some sort of mistake.  But it was legitimate, and for that one calendar year, we thought that all of the things people used to say was finally coming true, and by having the trifecta of a house, marriage and kids, tax returns were about to become a fucking holiday every year.

But coming back to reality here and to the present, I’ve been a married homeowner with children for five years now, and over the span of the last two tax returns, I’ve never owed so much money to the IRS in my life.  Take 2020 and 2021’s great and okay tax returns, and they’ve been paid back with interest between 2022-2024.

I’m not a CPA or even willing to find out what tax laws and policies are in place that have been systematically fucking my household since 2020, but all I know is that when I do my taxes, the fact that I’m married, own a home, and having kids does absolutely nothing to my bottom line when it comes to filing taxes.  And I mean that literally, when I get to the point in the tax software where I enter in information about my property and my kids, the number doesn’t even flinch.  Not a single dollar saved on account of the things that once upon a time, people used to say would help one’s taxes.

I suppose marriage helps a little bit, because out of curiosity, I ran mythical wife’s and I’s numbers as individuals, and we would owed a noticeably higher debt, but like I said, my house, or my kids don’t affect a single fucking cent in my return as a whole.

The one thing that I do know is that both mythical wife and I did technically switch our jobs in the 2022 year, and I vaguely remember when I was filling out all my initial paperwork, I didn’t fill out a W-2 but a W-4 or whatever form has taken the place of the W-2.  Somewhere in my allowances, myself or both mythical wife and I clearly checked something different from what we know, and both of us are not having nearly enough deducted from each paycheck, which is the primary killer for us.

I don’t really know what I have to alter in order to stop getting raped by the IRS come tax time, so I just opted to just have a straight set amount withheld each paycheck, with the hopes that the cumulative math on my withholdings is closer or exceeds what I’ve owed each of the last three years, with the hopes that when I run 2025 taxes in April in 2026, I won’t get as obliterated as we’ve been getting over the last few.

Because relying on marriage, homeownership and kids to bail us out in April is clearly fairy tales that started with once upon a time are clearly a dead thing of the past now.

#TRYHARDSZN2025: The ultimate flex and power move

~ dannyhong ~ Leave a comment

KHOU: Houston teen achieves the rare Ivy Sweep – accepted into all eight Ivy League schools, then proceeds to turn them all down and pick MIT

I know there was a #TRYHARD who had 155+ acceptances and $6M in scholarships that I already declared the queen of the #SZN, but let me introduce y’all to the king.  It really doesn’t matter how many cumulative schools he was accepted into and how much in scholarships he’s been offered, because he achieved one of the most rarest feats in the game, the Ivy Sweep; as in this nerd was accepted into all eight Ivy League schools, making him the ultimate enemy to slacker Asian kids, because he is the boy that all Asian parents envy and fantasize over having, and measure their own failures of children against.

However, the story gets even better, because not only did King #TRYHARD accomplish the Ivy Sweep, the kid also decided to hold a press conference to announce which school he was going to attend, like he were LeBron James in The Decision, or was some big dick sports recruit picking which school they were going to go play for.

And then, the story continues to get even better, because in the midst of his massive flex, he pulls yet another power move, by stating that he’s not going to go to any of the Ivy League schools he was accepted into, and declared himself to MIT.

He also hid his MIT shirt behind a thick ass coat, and did an unveiling like he was joining the nWo.  But instead of being a jacked wrestler or an athletic blue chip prospect, it’s just some dumpy Asian kid who basically looks like the default build-an-Asian that everyone can imagine in their heads when they think of an Asian nerd.

Y’all can’t imagine the shit-eating smirk of amusement on my face reading about this #TRYHARD and the bullshit he pulled.  I love it all too, because he flexes his academic prowess and superiority by getting into eight of some of the hardest universities on the planet, but then immediately takes a big steaming shit all over them by rebuffing all of them at the same time, and then picking MIT, the geeky little brother to Harvard, basically.

It’s funny, I came across this story before the announcement was actually made, and I noticed in the article, to stay tuned until 1 pm local time, where the announcement was to take place.  I try to plan my writing out, and I had actually prepared this photo to use to accompany this post to exemplify the nerdy arrogance of an uber-dork getting his moment to shine in the sun, but then after seeing the highlights of the video package of this kid’s press conference, and I was just like, wow, I didn’t think this whole story could possibly get any better than just being a nerd who achieved an Ivy Sweep, but how wrong I was.

Make no mistake though, when this really boils down to is undoubtedly money, and although he made the Ivy Sweep, I’m going to assume that none of them were remotely close to offering up a full-ride, which is what MIT is doing.  And considering his Asian background, free > everything, including the Ivy Leagues, and he and his parents are probably ready with all sorts of rebuttals to justify why their boy is not going to Harvard or Yale.

What’s also funny is that this #TRYHARD’s area of study is computer science and engineering.  Sure, such fields could be pursued at some of the Ivy League schools, but really if that’s the route he wanted to go, he really needed to end up at a place like MIT or any school where technology is at the forefront.

But now that I think about it, it was all probably part of a great ruse by this #TRYHARD and his famiry; flex the Ivy Leagues when discussing school, and try to force institutions like MIT to want to “poach” him from them, by offering up perks like a free ride, so that they have to be the pursuer and not give off the notion that MIT is probably where he wanted to end up.

Really, at the end of the #SZN, it’s not really going to be who the biggest #TRYHARD is, but what story is the best to come from it.  As of right now, the obvious front-runners are the girl who cleared 150 acceptances and one from every state, the dork who essayed himself out of nearly every application he tried, and this guy.  Recency bias aside, the flex, the power move, and all the antics and theatrics behind it, make this a hard contender to try and top this #SZN.

The futile pursuit of Steel Armor

~ dannyhong ~ Leave a comment

In the original Final Fantasy, about 25% through the game, you come across the town of Melmond.  The town has been decimated by the elemental fiend, Lich, and there are tombstones and graves scattered all around the place to denote the carnage that he has brought to this continent.  Otherwise there is nothing really of importance in the town other than what’s available at the armor shop.

Steel Armor, which doesn’t sound like anything that special, but the reality is that it is one of the highest-rated armors in the entire game, quite literally viable until the very end.  Its effectiveness is reflected in its cost, which at 45,000 GP is one of the most expensive items in the entire game. 

Its availability as early as Melmond is kind of laughable, because at this point of the game the ramping up of difficulty at its worst, and 45,000 GP would require a massive amount of grinding and effort in order to afford.  And if you have any sort of meta or any team with mages on it, acquiring their spells is of higher priority, considering the importance of magic to attack enemies, heal allies, and cast Exit, that you’re looking more like needing 60,000 GP if want to mage up and get Steel Armor before you head to the Earth Cave.

By the time you get to the point of the game where 45,000 GP is no big deal, money is flowing like water.  There’s a chest somewhere in the Sky Palace that contains like 68,000 GP, and I remember thinking, wtf is this even needed for at this point in the game, because you already have most of the best equipment in the game at that point, and your white mage can heal more HP than spamming heal potions over and over again outside of battle. 

When you have money, money comes easy.  When you don’t have money, it’s an agonizing struggle, finding that bridge to where you can get to the land where you can have money.

It’s usually not worth the effort to go back and get Steel Armor, even in spite of having the airship to whisk you back to Melmond without much effort, there are comparable pieces of armor available, found in the natural progression of exploration and advancing the story, that usually also have some degree of bonus protection instead of the base armor stats.

Most teams probably aren’t going to have multiple fighters, given the expense of equipping them, and if you don’t actually have a fighter in your team, it’s a moot point because no other class in the game can utilize Steel Armor, so really Steel Armor is kind of obsolete by the time you get to the end of the game.

The point is, Steel Armor becomes this kind of metaphor of being a reward for those who are capable of putting in the hard work, managing money well, and want to enjoy the fruits of labor at an earlier stage of life, rather than waiting until much later when you have the money, to get something that’s kind of not really needed anymore.

Continue reading “The futile pursuit of Steel Armor” →

#TRYHARDSZN2025: There’s a bigger world outside of California

~ dannyhong ~ Leave a comment

KGTV: High schooler from Torrey Pines accepted into 63 different colleges, amassing $3M in cumulative scholarships

$3 million bones from 63 acceptances; an average scholarship value of $47,619 isn’t bad, but in the grand spectrum of the #TRYHARD game, is fairly pedestrian in comparison to some of the #TRYHARDs that have already emerged this #SZN. 

Ultimately, I’m liking that either Google and news outlets are either being lazy and not reporting, or the possibility that #TRYHARDING isn’t as wrapped up as it used to be in previous years, and there just aren’t as many insufferable #TRYHARDs this year as in years prior, because that’s less stuff for me to write about, as if I didn’t put myself in this situation wanting to write about all the #TRYHARDs of the year.

After some of the #TRYHARDs that have already been documented, this kid really isn’t that exceptional.  His academic haul is still pretty good, but it’s hard to keep up in the game, when there are some who have doubled his scholarship dollars, and/or number of acceptances, like the one who could boast about having an acceptance from every single one of the 50 United States.

Normally, I’m at the point in the #SZN where I just want to skip writing about all of the #TRYHARDs once the truly exceptional ones have come out, but in this case, it’s the article itself that I want to nitpick about and provide me with some inspiration to blather some words out:

A graduating senior from Torrey Pines High School has accomplished what some might consider impossible — earning over $3 million in scholarships.

Impossible?  $3M?  I know Torrey Pines, California is basically akin to paradise, but these so-called journalists need to look at the world outside of their own, because not only is $3M possible, there’s already been at least one teen who has amassed $6M in scholarships this #SZN alone.

The lack of credentials and failure to name drop any of the acceptances other than the one he selected lends to imply that many of them weren’t very prestigious or impressive, and comes off as one of those #TRYHARDs that actually didn’t #TRYHARD as much as they were just good at filling out online forms and getting what I’m guessing are free applications.

It’s also funny to me that someone in this part of California is even in a position to need to be applying to every school under the sun, because that chunk of land slightly north of San Diego is home to some gorgeous earth, that I also imagine probably costs the arms and legs of several generations’ worth of wealth to be living there.  I have a hard time believing that there are people who actually live out there who are in positions to be needing scholarships, but I suppose while I’ve been thinking about money fervently over the last few weeks, the wealthy don’t stay wealthy by being frivolous, they’re usually wealthy because they’re often times good at finding other people to pick up the check instead of themselves.

Whatever though, good on this #TRYHARD and I use that term lightly on account of comparing him to others in the game, for getting accepted into a buttload of schools, and of course picking a fairly mid one to actually go to, in Howard University.  I’m sure it’ll be an interesting culture shock to go from the vast picturesque paradise of Torrey Pines to going to school in the dump of Washington DC.

Clever move, Adobe

~ dannyhong ~ Leave a comment

HRD: Adobe says we’re done with DEI

I put in a conceited effort to pay attention to as little mainstream news as I possibly can, but I’m always going to find out about some things here and there, simply by existing.  Among them, I know that DEI is a hot button topic, with the orange clown show in Washington having declared war on DEI, and all sorts of schools, businesses and corporate entities all taking highly-scrutinized stances on it.

Like I know that Target has been accused of turning heel on the liberal-minded by declaring they are not going to continue supporting DEI, and Costco has benefited from it because they have taken the opposite stance, and will continue to do such.  Colleges and companies across the country have scrapped their DEI initiatives because Washington has basically put a gun to the heads of everyone who is too craven to stand against such bullying, and as usual, the world is a worse place than the day before it, like every single day now.

It might be right-wing of me to say this, but I do have mixed feelings about DEI.  In principle, it sounds good, because I’m all for diversity, equity and inclusion.  Everyone should get a fair shake in this world, no matter their circumstances and lifestyles.  It’s just that throughout the rise and existence of DEI, it’s been politicized and implemented completely with the wrong intent and motivation, and when such is the case, it kind of is the detriment that the bozos in Washington accuse it to be. 

I’m not saying that I support it being forcibly removed all over the place, I do believe that the world is a slightly better place with DEI as a concept than not, it’s just that I would like for it to be a thing that comes from a genuine place of wanting inclusion, and not becoming an obnoxious company quota system, like it sometimes feels like it has been throughout the country.

But back to the point of this post and what spurned this diatribe, Adobe joins the camp of companies and entities out there that has publicly declared their discontinuation of DEI practices.  And it’s easy for them to do such, because they’ve hard monopolized the graphics industry, and their existing users will have a real hard time to find alternatives to all the things that they need to do in order to do their jobs.

However, there’s an extremely easy joke in all this, because any graphics or video person in the world who has ever used any Adobe software at all, might remember the days when the splash screens for initializing any piece of Adobe software at all would remember that they used to have credits and acknowledgments in them, and basically every single name listed were people who clearly were not the Ryan Joneses or Jacqueline Kennedys or any names that indicate that a company really needs to hire some more minorities.

And as the joke goes, DEI for a company like Adobe really means that they really actually need to hire more white people.  But now that they’re scrapping their DEI initiatives, that requirement is now dead and out the window, and as much as I jadedly clown on Adobe for their shitty rushed products, I think it’s hilarious the strategy in which they employed with this announcement, that they frankly don’t have to worry about hiring white people in order to meet their quotas.

Frankly, if I ruled the world, I’d institute hiring practices that eliminated candidate names and photos and any other physical indicators out of the equation, until later in the candidacy process.  Let candidates’ qualifications, competencies and perceived ability to do jobs be the determining factor at what gets people in the door of places.  Get rid of Affirmative Action, DEI and any other concepts that have come to fruition solely in order to diversify pictures for the sake of diversification. 

Obviously, such would never happen, but I’m just spitballing here.

Either way, good on Adobe for cleverly stepping away from DEI initiatives when they did, because they’re definitely a company that could probably use some more white folks, but now that they’ve said what they’ve said, they’re not at all legally obligated to hire whites in order to meet any quotas.

#TRYHARDSZN2025: This, is going to be my favorite story this #SZN

~ dannyhong ~ Leave a comment

Trent Crimm, the Independent: braggadocious teen mogul goes viral after being rejected by nearly all applied colleges, in spite of monumental qualifications

I’m just going to go out on a limb here and say that I don’t think any story for the rest of the #SZN is going to top this one.  Sure, the #TRYHARD only applied to 18 schools, but he was rejected by 15 of them, despite having incredible qualifications as far as grades, accomplishments and frankly, life experiences went.

What we have here, is probably one of the greatest examples in history of how the wrong attitude and approach can absolutely shitcan your chances of acceptance in the real world, because if you were to take the time to read this article and read his college essay, that he thinks he’s so important as to call his personal statement, it becomes absolutely crystal clear to why this he was rejected by nearly every school he applied to, despite having excellent grades, tests well, and the intelligence and savvy to become a young entrepreneur of a successful and profitable app.

Many have already pointed out and dissected all of the numerous reasons to why this #TRYHARD was shot down in such embarrassingly overwhelming fashion, but it really boils down to the fact that his college essay absolutely turned off just about every single recruiter with any pull or power to accept.

He basically shits on the whole notion of going to college, proclaims he had no intention of going to college, and sees college as simply ‘a rite of passage’ for teenagers growing up.  Absolutely no college in America would want to admit some kid who has no real aspirations once they’re in the door, and comes off as a massive flight-risk of dropping out, because he already has success and earning potential in his life right now.

It feels like he’s watched too many rite of passage movies, where plots of claimed that in order to stand out in the college application process, one has to be bold, take chances, and tell an incredible story.  As insufferably braggadocious his essay is, it’s extremely well written, reads well and tells a story, but the fact of the matter is that real life isn’t a movie, and there’s a level of vanilla, boring decorum that is expected, and frankly required, when doing things like applying to colleges or jobs. 

Proclaiming your disinterest for college and then bragging about all the reasons why you feel that way before saying “but oh wait, college is a rite of passage so I guess I should do it” wasn’t the right choice, and I’m honestly more flabbergasted at the fact that this #TRYHARD didn’t have anyone in his life to give him the guidance or advice that, yo, maybe this essay isn’t the right approach. 

I got the vibe that this kid has probably been raised with little emperor syndrome, which is pretty common in lots of Chinese and Middle Eastern cultures, where the first born son is basically invincible from criticism and coddled and sheltered from real world scenarios, and if he even sought any guidance about his essay, was probably told it was great and to run with it.  Oops.

What’s funnier is the fact that this #TRYHARD took his beef to the internet, with the implication being that he genuinely thought the collective internet would really be on his side once he made his story public.  As tone-deaf and clearly blind to understanding how the college application process works, he’s clearly as clueless to how the internet works, and in no time flat, he’s been dismantled, dissected and picked apart by the internet, with as much success finding people who sympathize with him as he was accepted into schools.

On a side note, yeah the #TRYHARD biffed on all of the Ivies he tried to get into, but kind of a low-blow by the Independent to throw shade at the schools he did get into, calling Georgia Tech, the U and Texas “less prestigious” schools.  I mean, they are less prestigious schools as far as not being Ivy League, but they’re all solid educational institutions, with excellent specific programs, and all flush with cash on account of robust athletic programs.  And they all clearly were capable of looking past his shit attitude and see the potential, and gave him the green light, when better or equally qualified applicants probably didn’t.

I know I take shots at Georgia Tech all the time, but there’s no denying the school is among the top engineering schools in the country, and it might have the name value of MIT, but it’s no slouch as far as its educational credentials are concerned.

Frankly, #TRYHARD here has two options – forego college like he believed he was destined to do, focus on his app and ecommerce acumen, and follow the path of Zuck and become wealth and something without a college degree.  Or, attend Georgia Tech and get an excellent education, go to Texas and soak in the college sport and immersive college atmosphere, or go to the U, where he’d be living in Miami and lean into Miami living.

As owned as he might have been in the college applications game, and on the internet, he’s still in a very enviable position overall.  He has acceptances to some “less prestigious” but reputable schools, basically his own business, and he’s still just 18 years old.  There’s a tremendous time for him to learn and grow and grow the fuck up, and this would be a critical year and good basis for him to punt on 2025, take a gap year and try again the next year, and find some humility and perhaps use this experience as a means to write an essay that’s not quite so insufferable as much as demonstrating the experience of being humbled and growing from it.

Either way, who doesn’t love a good story of some dumbass getting owned?  And even better that it falls within the realm of #TRYHARDSZN, and ultimately is an opposite-story of instead of some #TRYHARD getting into 155 schools and amassing millions in cumulative scholarship offers, it’s someone who got rejected by a bunch of schools, and entirely because of his own stupidity.

#TRYHARDSZN2025: this one will contribute to our demise, Black Mirror style

~ dannyhong ~ Leave a comment

WWNYTV7onmyside: Massachusetts teen accepted into 88 colleges, amassing over $6M in scholarship dollars

As far as acceptance numbers, I think it’s going to be a hard task for any potential #TRYHARDs to surpass the one chica who cleared like 155 and one in every state.  But what piqued my interest with this #TRYHARD wasn’t the acceptance numbers, but the amount of scholarship dollars he amassed in his 88 acceptances.

For context, Ms. Queen #TRYHARD and her 155 acceptances notched $6M in cumulative offers.  But this kid out of Chicopee, Massachusetts also amassed $6M in scholarships from nearly half of the acceptances.  That’s an average of $68K per scholarship, versus the $38K/per from the Queen of Westlake High.  He doesn’t get to brag about having acceptances from random schools out in Idaho, Wyoming or North Dakota, but it’s evident that schools see more value in this kid over Queen Spray and Pray.

Additionally, aside from Chicopee kid’s ridiculous 4.39 GPA (like I still don’t understand just how much extra work one has to do to blow past a 4.00 GPA so hard) is the fact that this egghead is all into AI and robotics, and is pursuing a future where he can work on AI systems and/or robots.  Considering he’s from the New England area, and among his offers is Boston University, it seems like a very good possibility that he goes to BU, and then gets a job with Boston Dynamics, the company that is making robot dogs and robots that can run, do moonsaults and basically complete Ninja Warrior courses, and then contributes towards the rise of our eventual robot overlords.

Anyway, I got nothing else.  Among his other notable acceptances were UConn, Florida, and Purdue.  No mention of any Ivies, and as impressive as his GPA and his current acceptance haul is, the seeming lack of mention of any other extracurriculars lends to believe that he probably doesn’t have any.

Thus, he is not #TRYHARDing enough, and probably won’t be worth mentioning again the rest of this #SZN.