#also they lost paperwork that has my signature + social security number so that's a uh. pretty big thing. hoping it just fell behind a book

[marinecorvid]

Just got off telehealth call with new psychiatric (super nice lady, way more considerate and understanding than high school person) after three hours and wow 1) telling someone out loud all of the bullshit that’s in my brain and why it got to be this way and having them react in alarm is super validating. yeah i HAVE had a tough run of it and i'm not being oversensitive, my parents WEREN'T there when i fucking needed them to be 2) I could sue this clinic for multiple federal law violations. lol. lmao even 3) ZOLOFT

[elizabethcariasa]

New for 2019 taxes: revised 1040 & only 3 schedules

Taxpayers got their first experience with new filing forms with last year's 2018 returns. There are more changes to the 1040 for 2019 taxes, too, but the revisions actually could be helpful.

Tax season is about to start in a less than two weeks. Jan. 27, in case you forgot.

Many of us are already working on our 2019 returns, either by working with a tax preparer or filling out our forms on our own.

Doing taxes has never been a fun job for most folks. But filing under the Tax Cuts and Jobs Act (TCJA) has made that job a bit simpler in one regard.

Now there's just one tax return, Form 1040, instead of the three — 1040EZ, 1040A and the long 1040 — in pre-tax reform days.

One form, but six schedules: True, the TCJA wasn't quite able to get the return down to the promised postcard size. The first 1040 under the new tax laws did, however, cut 56 lines from the old long tax return, ending up with 23 lines.

But they still were spread over two pages (front and back).

And to account for the shortening, the info that used to go on the long 1040 was parceled out over six new schedules. Depending on your tax situation, you had to fill in one or all of the new pieces of paper with the lone Form 1040.

Even though tax software or a paid preparer walked taxpayers through the new paperwork, it still didn't go over well.

So the Internal Revenue Service reworked the Form 1040 for the 2019 tax year.

TCJA 1040 take 2: The 1040 now is a bit longer (yeah, that postcard idea definitely is dead). But the idea is that the form should be easier to understand.

The reason for the added length? Some of the info that had been shifted to some of the new schedules now can be found back directly on the 1040.

So this first Tax Form Tuesday, a new feature this year on the ol' blog, looks at the new, and hopefully from a filer's perspective, improved Form 1040 we'll be filing this year.

Back to the 1040 future: The biggest change upon first glance is that the revised 1040 now looks more like the old 1040 that had been in use for decades before the TCJA overhaul that took effect with the filing 2018's taxes.

You still enter your personal information, along with that of your spouse and any dependents, the same as last year and pre-tax reform.

But now the bottom half of the 2019 Form 1040 has income information instead of last year's signature blocks, which seemed weird to me as it gave the impression of signing something before filling in the form.

Information that was on the back (page 2) of the 1040 last year now is on the front page, including how much you made from:

wages, salaries, tips and other sources;

tax-exempt and taxable interest;

ordinary and qualified dividend earnings; and

IRA, pension, annuity and Social Security distributions and any taxable portions of those retirement funds.

Back on Form 1040 is how much you received in capital gains (or losses). Last year, you reported this on Schedule 1. This filing season it's on line 6 of the 2019 Form 1040.

The most noticeable thing about this latest 1040, however, is that you get a look at the TCJA's expanded standard deduction amounts on the new first page of the tax return.

And while adjusted gross income still isn't the last line on the first page of the post-TCJA 1040, the 2019 revision does give us an even more important figure as page 1's last entry: our taxable income.

I don't know about you, but with this reworking I feel like at this stage of completing the 1040 I've accomplished something.

But wait, there's more: Page 2 of the form again is reminiscent of earlier 1040s.

The top section of this on 2018 returns lumped together income reporting, your withholding (and other tax payments, like estimated ones), your deduction (standard or itemized) choice and some tax credit claims.

That's still there in the 2019 tax year version, but it's got a cleaner look, thanks in large part to fewer boxes, inserted Swiss cheese style in last year's 1040, awaiting info transfer from other forms and schedules.

You'll also notice that the Additional Child and American Opportunity tax credits now get specific mentions (lines 18b and 18c, respectively), along with last year's holdovers of the child tax credit and/or credit for other dependents and the Earned Income Tax Credit (EITC).

The amount of your refund and direct deposit info is that's what you choose, along with any amount you owe are still on page 2. There is, though, one noticeable change here. The tax owed section title is back to a pre-tax reform larger font, reinforcing one of the IRS' main jobs.

The signature section of Form 1040, as noted earlier, is back on the second page. But there is one interesting addition.

As the IRS continues its digital shift, there's also a block where, if you choose, you can give Uncle Sam your email address.

The IRS elaborates on this electronic communication entry — and the possibility that it could cause some confusion since the long-standing IRS rule is that generally doesn't reach out to taxpayers via email — in the 1040 instructions:

You have the option of entering your phone number and email address in the spaces provided. There will be no effect on the processing of your return if you choose not to enter this information. Note that the IRS initiates most contacts through regular mail delivered by the United States Postal Service.

You can report a phone scam to the Treasury Inspector General for Tax Administration at IRS Impersonation Scam Reporting or the FTC using the FTC Complaint Assistant at FTC.gov. Add "IRS Telephone Scam" in the notes. You can report an unsolicited email claiming to be from the IRS, or an IRS-related component like Electronic Federal Tax Payment System, to the IRS at phishing@irs.gov.

For more information, go to IRS.gov/Phishing and IRS.gov/newsroom/how-to-know-its-really-the-irs-calling-or-knocking-on-your-door.

I'm interested to see future statistics as to how many of us hand over our email address to the IRS.

Finally, while the 2019 tax year version technically is just one more line longer than the 2018 form (now 24 instead of 23), the layout makes it look longer, with the information filling around two-thirds of page instead of just half.

Now about those lost schedules: The IRS has made its Form 1040 schedule system, to borrow from the Jackson Five, "A-B-C, Easy as 1-2-3."

All the additions/returns to Form 1040 mean that in filing your 2019 taxes you'll have to deal with just three numbered schedules instead of six.

Schedule 1, Additional Income and Adjustments to Gross Income, is still around.

Basically, you report in part 1 of Schedule 1 any additional income, such as business or farm income or loss, unemployment compensation, prize or award money or gambling winnings.

The schedule's part 2 wants to know if you have any deductions to claim, such as student loan interest deduction, self-employment tax, or educator expenses. These adjustments, based on the layout of the old pre-TCJA 1040 were called above-the-line deductions.

Schedule 1 also now seeks some new info.

There's a line reflecting the IRS' increasing focus on cryptocurrency. If you engaged last year in a transaction involving virtual currency (bitcoin and the like), the tax collector wants details on Schedule 1.

The 2019 Schedule 1 also wants to know about alimony payments, since these amounts are no longer deductible to the payer or reportable income to the receiving ex-spouse for divorces or marital settlement agreements entered into as of Jan. 1, 2019.

Schedule 2, Additional Taxes, remains, but now is a combination of last year's Schedules 2 and 4. As its title notes, it's where you report any additional taxes you may owe.

This could be, in part 1 of this schedule, the Alternative Minimum Tax (AMT) or any excess advance premium tax credit you got to help pay for health insurance purchased from the Marketplace.

Part 2 of Schedule 2 wants to know about any claims you can make for a nonrefundable credit other than the child tax credit or the credit for other dependents. These tax credits include the foreign tax credit, education credits or the general business credit.

Schedule 3, Additional Credits and Payments, also was consolidated with info that previously went on the now defunct Schedule 5.

Part 1 of Schedule 3 is where you claim nonrefundable tax credits that aren't on Form 1040. This includes such tax breaks as foreign taxes you paid, child and dependent care expenses, contributions to retirement savings, residential energy improvements and the Lifetime Learning credit.

Schedule 3's part 2 wants details on other payments and refundable credits.

Take note of this schedule if you paid estimated taxes or had any of your prior year's tax refund applied to your future tax liability. Those amounts go on line 8 of Schedule 3.

Form for older filers, too: These schedules also are to be used by older taxpayers who opt to file the new Form 1040-SR.

As I noted in my earlier post on the 1040-SR when it was released last year, the appended two letters standing for seniors, as in older taxpayers. In the tax world, that those at least age 65.

If you're like me, getting closer to that birthday than you'd like, don't comment, email or lash out on social media. I agree with you. Mid-60s are the new mid-50s (or younger!). But that's Capitol Hill's and the IRS' evaluation of who counts as a senior citizen.

Eligible 1040-SR filers aren't required to use the form. But if they find it's a good tax fit, then it's available.

Of course, older taxpayers are like the rest of the taxpaying community. They tend to use tax software, too.

So, you're asking, why did I go into such a long post about a form that most of us won't ever actually see as we enter our info by computer or let our tax preparer do the same?

Because, as a wise tax pro told me many years ago when I started writing about taxes, the best way to understand the tax law is to look not at any legislation, but at the tax forms needed to comply with the law.

And thus was born the new Tax Form Tuesday blog feature. I hope this inaugural item and future forms posts help.

You also might find these items of interest:

6 reasons to file your taxes early

IRS Free File now open for the 2020 tax season

2019 tax return filing checklist, including documents itemizers need to complete Schedule A

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[legit-scam-review]

QuadrigaCX Is Filing for Creditor Protection Amid Liquidity Crisis, Community Remains Largely Skeptical

Canadian cryptocurrency exchange QuadrigaCX is in hot water: Following the sudden death of its 30-year-old founder, Gerald Cotten, the exchange has allegedly lost access to its cold wallets, where most of the funds were stored.

Now, the exchange has taken to court to avoid the collapse, but some community members suggest that QuadrigaCX’s cold wallets never existed.

Canada’s largest crypto exchange with a complex history

QuadrigaCX was launched in December 2013 and operated from Vancouver, British Columbia. The digital assets exchange was founded by Gerald Cotten and Michael Patryn. Prior to that, Cotten was a director at the Vancouver Bitcoin Co-op, a voluntary association of local cryptocurrency enthusiasts, of which Patryn was also an active member.

According to Cotten, QuadrigaCX was established against the backdrop of scarce crypto services in Canada. In February 2015, he said on a Decentral Talk Live podcast:

“It was just so hard to buy Bitcoin in Canada. You couldn’t hook up your bank account anywhere. It was just such a challenge.”

In 2015, QuadrigaCX became the country’s largest crypto exchange, with around $37.4 million traded on their platform — according to the company, it had acquired around 60 percent of the market share by November that year.

QuadrigaCX is also reportedly the first crypto platform in Canada to be granted a money services business (MSB) license from the Financial Transactions and Reports Analysis Centre (FinTRAC), the domestic financial regulator responsible for Anti-Money Laundering (AML) measures. As Cotten told Straight in a February 2014 interview, his exchange was focused on compliance:

“We’re quite proactive when it comes to regulations. We don’t want to break the law. We want to fully comply, and we actually more than comply with what the current laws are.”

In March 2015, Quadriga Fintech — the exchange’s parent company — announced its plans to go public and be listed on the Canadian Securities Exchange (CSE) via a reverse initial public offering (IPO). The firm reportedly planned to acquire a shell company called Whiteside Capital Corporation for that purpose.  

Despite going through the easier route of a reverse IPO — which includes less paperwork — Quadriga Fintech still had to be audited. Cotten claimed at the time that he was “excited to be able to provide an unparalleled level of transparency by merging legacy financial audits with innovative blockchain technology.”  

There has been no update on the IPO plans from Quadriga since then, and the firm was never listed on the CSE. In May 2015, however, Patryn revealed that his company was selling over-the-counter (OTC) shares for Bitcoin (BTC).

In March 2016, the British Columbia Securities Commision (BCSC) barred QuadrigaCX from selling securities after slapping it with a cease trade order (CTO) for not submitting annual audited financial statements for the fiscal year that ended Oct. 31, 2015.

About a week before getting hit with the CTO, Quadriga’s directors Anthony Milewski and Lovie Horner resigned. Then, soon after the order was issued, Bill Filtness, the director, and Natasha Tsai, the chief financial officer, also quit the company, leaving Patryn and Cotten as the only executives in Quadriga.

However, In March 2018, Quadriga’s official Reddit account commented that Patryn was “an early [sic] who left the company more than two years ago.” Although that checks out with his LinkedIn account showing that he left the firm in February 2016, Patryn’s resignation from Quadriga was never announced. Reddit users have several times linked Patryn to a convicted money launderer named Omar Dhanani. Quadriga has denied this accusation, calling it “nonsense”.

Cotten highlighted security as one of the main priorities of his business. According to a CNBC article published in May 2014, QuadrigaCX held the majority of its assets in cold wallets — which are secured by digital security keys in order to protect them from hacking and theft — had advanced encryption, custom operating systems and software, and a partnership with CloudFlare, a large company in the United States that provides DDoS protection.

Nonetheless, Quadriga CX had experienced at least one major security breach in the past. In June 2017, the exchange announced that it had lost 67,317.25 ETH (around $14 million, at the time) due to a “technical glitch.”

Legal fight with the CIBC and Cotten’s sudden death

In 2018, the exchange entered a prolonged legal fight with the Canadian Imperial Bank of Commerce (CIBC). The bank reportedly froze five accounts belonging to Quadriga’s payment processor, Costodian Inc., and its owner, Jose Reyes. Combined, they contained around $19.6 million, according to reports. The CIBC suspended the accounts after failing to identify the owner of those funds.

The CIBC requested the Ontario Superior Court to withhold the funds and determine whether they belong to Costodian, the exchange or the users who deposited the funds. Further, in November 2018, the court ruled in favor of the bank, agreeing that the owner of the funds was not clearly established. As a result, the CIBC was obliged to pass the funds over to the Accountant of the Superior Court in order to identify the owner of the money. Meanwhile, Quadriga users continued to actively report withdrawal issues, while massive complaints started to arise earlier in 2018.

On Jan. 14, 2019, Cotten’s wife, Jennifer Robertson, announced that her husband, CEO at Quadriga, has suddenly died. According to Robertson’s statement, Cotten, who was 30 at the time, perished “due to complications with Crohn’s disease” on Dec. 9, 2018 while travelling in India. Being Cotten’s estate executor, she also recommended to appoint Aaron Matthews, head of operations at Quadriga, as interim president and CEO.

Gerry Cotten. Image source: Facebook

The platform continued to accept funds for weeks after Cotten’s death. According to The Globe and Mail, on Jan. 25, Robertson, who says she was not involved in the business while her husband was alive, filed an application to hold an emergency meeting to appoint board directors at the exchange. On Jan. 28, the board allegedly decided to shut down QuadrigaCX’s website. The official announcement claimed that the platform went offline due to maintenance issues.   

Several days later, on Jan. 31, QuadrigaCX filed for creditor protection in compliance with the Companies’ Creditors Arrangement Act (CCAA) at the Supreme Court of Nova Scotia. The CCAA is a federal act that allows financially challenged companies to avoid bankruptcy by restructuring their business and getting protection from its creditors. A company must owe to creditors in excess of $5 million to be eligible to apply for the CCAA.

According to the affidavit filed by Robertson, Cotten was solely responsible for the wallets and corresponding keys to 190 million Canadian dollars ($145 million) in digital assets. Accordingly, after he died, those funds went missing, and the exchange has been unable to retrieve those keys.

As a result, the exchange claims to have only CA$375,000 ($286,000) in cash, while it owes CA$260 million ($198,435,000) to as many as 115,000 of its customers, and hence is facing a liquidity crisis.

Will the money ever be reclaimed? Some claim that there was no money in the first place

According to the affidavit, Cotten normally ran the business from his personal laptop. While Robertson still has physical access to the device, she claims that she is unable to open it. She wrote in the document:

“The laptop computer from which Gerry carried out the companies’ business is encrypted and I do not know the password or recovery key. Despite repeated and diligent searches, I have not been able to find them written down anywhere.”

Robertson also says that she hired someone to try to access the funds, but that the expert has so far not been able to do so.

Meanwhile, Robertson faces a backlash from the QuadrigaCX users on social media, who mostly took to Twitter and Reddit to question whether Cotten is actually dead. As per The Globe and Mail, the CCAA filings include a statement of death issued by J.A. Snow Funeral House in Halifax.

Moreover, Robertson’s affidavit states that there have also been threats made against her: “Slanderous comments have been made against me and sent through Facebook messenger to my entire contact list.” Robertson is reportedly funding the creditor protection motion herself, and a preliminary hearing has been set for Feb. 5.

Quadriga aims to appoint Big Four audit company Ernst & Young as an independent third party to monitor their CCAA hearings, and the court is expected to release its decision on Feb. 5 as well. So far, Ernst & Young has reportedly concluded that “Quadriga was unable to access the cold wallets and/or discovered that the cold wallets contained minimal cryptocurrency units.”

Taylor Monahan, former developer of Ethereum (ETH) wallet interface MyEtherWallet (MEW) who now runs the MyCrypto project, told Cointelegraph that she finds the situation where excessive amounts of digital assets are locked out because they were controlled by one person “beyond absurd”:

“The fact that a person controlling millions of customer assets didn’t have any sort of backup in place, gave no one else access, and didn’t leave any information regarding these accounts with anyone is beyond absurd. If this is indeed the truth, any number of outside factors could have resulted in the loss of access to those customer funds, like fire, flood, misplacing the single piece of paper, etc.”

Ideally, Monahan adds, the cold storage wallet should be a multi-signature one, where the keys that control the individual accounts are kept secure and in multiple physically separate locations:

“Just like a company has a bank account with multiple signers, the cold storage would be controlled in that fashion and perhaps by the same people. Depending on the size of the operation, it would likely be the CEO, possibly the CTO, perhaps a board member or CFO type person, or another trusted party. Even if a company were to choose not to utilize multi-signature wallets for whatever reason, there should always be multiple backups in physically distinct locations.”

Monahan has also been analyzing ETH wallet addresses attributed to QuadrigaCX. Based on preliminary results of her study, she suggests that QuadrigaCX might not have any ETH cold wallets at all:

“Based on what I’ve seen with their other main Ethereum wallets, I haven’t found any signs of a cold wallet. We can see large amounts of ETH move between their known ‘hot’ wallets. We see large amounts of ETH being moved temporarily to a variety of addresses before quickly being sent onto an exchange. But we don’t see any significant amount of funds being moved to something that resembles ‘cold’ storage.”

Other research, published on cryptocurrency portal Zerononcense Blog, also suggests that QuadrigaCX never had cold storage, per se. The report’s authors claim that they used “only 100% verified transactions with the exchange,” but admit that the findings may not be wholly accurate. The first of six summary findings in the report states:

“It appears that there are no identifiable cold wallet reserves for QuadrigaCX.”

According to the research, the exchange likely only had cryptocurrency reserves of under $100 million. The report also contains alleged evidence that shows a party had access to the company’s wallets after Cotten died, reportedly making several outgoing transactions since Dec. 9.

“It does not appear that QuadrigaCX has lost access to their Bitcoin holdings.”

Further suspicions center around QuadrigaCX using customer deposits to pay customer  obligations. Thus, the research notes that a comparison of QuadrigaCX’s withdrawal practices to those of other established crypto exchanges — such as Coinbase, Bittrex and Binance — shows that the “movement of bitcoins to satisfy customer demand is highly unorthodox and extremely inefficient for any legitimate exchange.”

The article will be updated with the results of a preliminary hearing regarding Quadriga’s CCAA, being held on Feb. 5, which are expected to be published soon. First reports from the court indicate that QuadrigaCX might be sold to refund the customers — learn more here. The police have not issued any comment regarding the incident so far.

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The post QuadrigaCX Is Filing for Creditor Protection Amid Liquidity Crisis, Community Remains Largely Skeptical appeared first on Review: Legit or Scam?.

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[manleycollins]

Journal Entry #25 - Birthday Month

JOURNAL ENTRY #25 Name: Manley M Collins Social Security Number: 5 7 9 - * * - 6 5 4 1 Date of Birth: 06/21 Place of Birth: Washington, District of Columbia Country of Birth: United States of America Date: June 21, 2018 TOPIC: Birthday Month DEPARTMENT: United States Department of Health DEPARTMENT: United States Department of Labor DEPARTMENT: United States Department of Commerce DEPARTMENT: United States Department of Education DEPARTMENT: United States Department of the Treasury DEPARTMENT: Government of the District of Columbia DEPARTMENT: State of South Carolina Government DEPARTMENT: Non-Profits

It has been an eventful past few months.  I guess folks are reading my posts and configuring my internet to show other sides of life I may not see.

I have been filling out paperwork starting with Year 2011 on trying to get Corporate America to give me some of the items taken or lost. Thanks with the help of Better Business Bureau, Federal Trade Commission, Consumer Financial Protection Bureau, every state Consumer Protection Agency, and every state Attorney General.

My deepest gratitude go to Washington, DC for helping facilitating the transition to start that long journey onward to 1600 Pennsylvania Ave NW.  It was so much fun campaigning for mayor and it was a challenge I did not expect.  I met some great people including the entire city council.  I am very disappointed that no one told me about ballot access.  Even though, I was totally shut out of most or all forums, then I was able to change and go for open mic to reach a different audience not seen by forums or campaigns.  The Meet the Candidate Tour was successful in scheduling, but very poor turnout as I have learned when there is no support, there is no turnout.  The parades were exciting to do.  The open mic nights explored different talents that I did not know I had, but it helped me become comfortable in front of the mic and on a stage again.  The Office of Campaign Finance scheduled a couple hearings and showed the combination of business and legal type of communication.  Those fines imposed on my campaign committee, I say, "Good luck on collecting because DC Government has yet to give me a job."  Thanks to all the 2,787 voters, who helped me garner 3.81% of the votes and support in DC Democratic Primary 2018 election.

Internal Revenue Service, DC Government, and other parties dependent on my tax return, I do not apologize for always missing the April 15th deadline.  As I told the entire world and those dependent on my tax return, my filing date will always and continue to be October or November of every year unless I am going to get a government clearance or fix my previous DOD Secret clearance.  Running for political office does not change the fact with the exception of being actually on the ballot.  Even though, I am tied up in United States Tax Court about a previous tax return, please do not think I am going to file according to the standard deadline.  I am almost finish catching South Carolina up to the latest.  Stop coming through the psychics on astrology and horoscope readings....I know it is to the general public of Geminis and Cancers, but it seems like you trying make sure I see and read it.

My deepest gratitude goes to the best birthday present in all my years of living goes to American Express.  My company, Collins Incorporated, applied for American Express OPEN Gold card.  The card was decent, required total amount due the following month and membership fee of $175.  After a year and in my birthday month, American Express upgraded me to the highest small-to-medium business charge card, "The American Express Platinum Card".  The Platinum card allows me to charge $50,000 to $1 Million Dollars in one transaction.  The membership fee is $450.00.  How could American Express trust a black, close-to-broke, man with such financial power?  Darn, American Express for making me financially responsible!  Next, the American Express Corporate card.  I need to add employees and play with some more credit card features.  Thanks American Express for also providing the funds to pay for law school, which is $275,000 (JD and LLM).  Thanks also goes to Paul Davenport in the State of Connecticut for showing me how to do credit card, "small or tiny transactions make a big difference."  All other credit and charge cards, I am working to increase their limits to $5,000 a piece, right now, they are between $1,600 to $3,500.  As a business major, these are so much fun to learn and play with, every bank is different on how they implement credit cards.

I had to file forbearance request through the AmeriCorps program to ward off the student loan payments.  I also filled out an Unemployment Deferment and General Forbearance Request.   This should keep EdFinancial/IDAPP a little busy.  I did retake the LSAT for law school for my prayfully 130 score.  My dissertation is currently trapped between Quality Review Methods (QRM) and Institutional Review Board (IRB).  I did all the appropriate revisions requested and my dissertation chair signed off so patiently waiting.  My next University of Phoenix class is not until July 31, 2018.

As I prepare for the gubernatorial race to become South Carolina's first African American governor since I made that promise since May 15, 1998, I am sending and updating all data with South Carolina Department of Transportation, South Carolina Department of Social Services, South Carolina Ethics and Commission Board, and South Carolina Department of Tax and Revenue.  South Carolina Department of Tax and Revenue, I hope you processed my 2012 tax return because I do not see it online.  To make me feel slightly comfortable, I need to see the late processing fee.  My deepest and sincere apologies to South Carolina and its residents for taking this long to get it together, I just had to see what was going on with the United States, my life and the world, but now I am ready.

South Carolina, I have formal request from any resident to remind me 120 days before July 15th gubernatorial primary so I can obtain the 10,000 signatures to do nominating by petition.  I am highly dependent on Berkeley County, Charleston County, Orangeburg County, and Dorchester County to meet my 10,000 signature requirement.  I am talking to the Republican and the Democratic parties for the nomination by party for the best strategy to win.  As of 2018, I already have the $4875 filing fee.

Corporate America, I have formal request for the South Carolina gubernatorial race. All brands I have been loyal to since 1994, 1999, and 2000, I need all the corporate rules to play out regarding political candidates for me to understand what you can and cannot do, and also I need all available properties to host fundraisers and other community events through the entire state and preferably each county.

Another California company/employer coming into the mix, Instacart. I can not believe I can possibly be paid for grocery shopping for other folks.  I am thrilled and excited.  I am excited on how crazy and mixed up my employers are.  I am looking forward to the Americorps Habitat for Humanity project for 10 months.  Could AmeriCorps lead to reestablishing shelter independence onward to another brand new home?  This will be my 3rd brand new home experience and hopefully I keep this one.

Thanks goes to SunTrust and Bank of America for pre-approving me for $375,000 mortgage for a home in Washington, DC.  Thanks goes to Fidelity Capital Mortgage for pre-approving me for a $350,000 mortgage for a home in South Carolina.  Citibank and Chase, I am saving you for New York and New England homes.  New York, California, and Conde Nast keep sending me Architectural Digest YouTube videos of homes.  In New York, I watched one Architectural Digest video and you can do stuff with, renovate, or combine apartments in ways I did not know.

Bills, I do recognize all of you that are out there including the ones not on credit report and from all active addresses he has.  I received all of your information and just waiting for the universe and stars align for my new primary line of work to bring in the income to pay them.  Information technology is no longer the single focus of the next line of work.  Business is still the core line of work.  Since I continuing to detach from a particular state (start with I and ends with S), I let my PERC license expire on purpose.  State of New York, you issued a tax warrant on April 15, 2018 or around that date for $3900 in state taxes.  Since I do not know what the modern day tax warrant does except I got the information that you can double tax any New York income when I work in your state again, and have a hold on my federal tax refund.  Because of that I will be staying in Washington, DC for my birthday and letting go or letting expire my State of Connecticut driver's license and temporarily disconnect with my Connecticut primary physician.  I wonder if start playing the US Department of Education lottery again, could I win something with all this chaos?  I have AmeriCorps resume aligning with a retail resume so it will be interesting what the new position maybe.  I will not apply for state government positions, county government positions, or city government positions again until I am in South Carolina.  Federal government, I am continuously applying to you and I must have been truly out of touch for trying score high on the application, I will research and check bookstores for the latest ways to score higher on applications.

Prepping for my very first marriage, I am going back on the dating scene for more practice. In the 1990s, I did the in person pick up, talk to females, and expressed how I felt immediately.  In the 2000s, I did Yahoo Dating and Blackplanet in Atlanta, Georgia and found plenty of female freaks. In 2004-2005, I did 'It's Just Lunch' program in Washington, DC, and they did present some very good female dating candidates. I tried eHarmony and the site at that time only presented one or two female match ups.  I tried the nightclubs and bars to pick up women, and not good results or my pick up game was whack.  In 2013-2015, I did NY Minute Dating, Match dating programs, OnSpeedDating, and plenty of meetups in New York City and Hartford, Connecticut, and they did present some good female dating candidates according to the theme.  In 2018, I am wondering what female dating scene I am going try, such as S.W.A.N.I.T.C and swingers parties, Professional in the City, and Match events in Washington, DC, Atlanta, Philadelphia, and New York City.  I answered all 100+ eHarmony questions and eliteSingles and Zoosk, and those sites are presenting plenty of females.  Freaking, flirting and messing around never gets boring.  Please note in any of my serious relationships, I never cheated once and my partner is utilized as the sole vessel from Sex and Love 101 to Sex and Love 1,000,001 ways to do it.

Change Element and DNA Activation: I am learning the French language informally and formally, which is associated with my Ancestry DNA connection to Cameroon and Republic of Congo in Africa.  To keep it active, I have joined Washington, DC French Meetup and former member of New York French Meetup Groups.

Rule #1 in Business 101 or Finance 101: Never pay debt with debt!

ROTFLMBAO (rolling on the floor laughing my back off) at the United States Armed Forces for sending yourselves through my YouTube feeds. It is hilarious. I am glad you guys and gals do have fun sometimes.