#tax estimator

[knowyourdosh]

How To Protect Yourself When Working As A Freelancer

Working as a freelancer offers many advantages, such as flexibility and independence. However, it’s essential to protect yourself both financially and legally to mitigate potential risks. Here are some important steps to consider:

Contracts and Agreements

Always use written contracts or agreements when engaging with clients or entering into any business arrangements. Clearly define the scope of work, payment terms, deliverables, timelines, and any other relevant details. Contracts help establish expectations, protect your rights, and provide a basis for legal recourse if disputes arise.

Set Clear Payment Terms

You should communicate your payment terms to clients from the beginning. Specify the payment schedule, methods of payment, and any late payment penalties. Consider requesting partial or upfront payments for large projects or with new clients to ensure a steady cash flow.

Maintain Professional Liability Insurance

Consider obtaining professional liability insurance (also known as errors and omissions insurance). This insurance protects you if a client claims financial loss due to errors, omissions, or negligence in your work. Insurance coverage can provide peace of mind and protect your financial assets in case of legal claims.

Protect Your Intellectual Property

Understand the ownership and rights associated with your creative work. Consider using contracts or licenses to clearly establish the ownership and permitted use of your intellectual property. If necessary, register trademarks or copyrights to protect your creations from unauthorized use.

Keep Accurate Records

Maintain detailed and organized financial records, including income, expenses, contracts, invoices, and receipts. Accurate records help with tax compliance, provide evidence in case of disputes, and support your financial stability. Consider using accounting software or engaging an accountant to ensure proper record-keeping.

Maintain A Contingency Fund

As a freelancer, your income may fluctuate. Establish an emergency fund to cover unexpected expenses or periods of lower income. Having savings in place can help you navigate financial challenges without jeopardizing your personal or business finances.

The Know Your Dosh Personal Tax Estimator

The "Know Your Dosh" Personal Tax Estimator is a valuable tool for planning tax on personal income. This includes potential tax liabilities on personal income, encompassing sole trade income, salary, and dividends where applicable.

With this estimator, you can gain insights and forecasts to better prepare for tax obligations. It serves as a useful resource in assessing and managing personal tax liabilities for a well-informed financial approach.

[chubbychiquita]

How do we ensure proper IRS and Health insurance care for 2025?

thank u for asking 🥹🥹🥹 the main issue is that my savings have been decimated, im sort of living off credit cards right now as i try to build up a comfy safety net and regain a paid subscriber base. i think a few more consistent months of lots of posting should get me stable. for now, the best way to help out is to subscribe to my paid sites or send tips if you're feeling generous (links on chubbychiquita.com)!!!

tangentially, ive been hardcore cutting back on my food delivery feasting trying to save money, so although i should direct any extra $ available to paying for healthcare and rent, uber eats + doordash gift cards so i can treat myself are also greatly appreciated 💕

tangentially in the other direction, someone with good health insurance should marry or adopt me

[joehills]

Self-employed American artists, pay your quarterly taxes!

They're due Monday, but I don't wanna stress about it all weekend so I just scheduled my payment now

[stevehairingtit]

Sending a message to my beloved governor about why he should not be granting the tech company goons boons as he "invites developers to share innovative solutions to homelessness harnessing the power of GenAI" during a week-long heat advisory after a year of extreme weather events which disproportionately impact the health and safety of the unhoused when in fact there is a very simple solution to our housing woes: build more housing.

[angelfrommontgomery]

Thinking about when I was a senior in college and had like 5k in my checking account but I was so scared I owed it all in taxes somehow that I gave myself a brazilian for spring break with the cheapest wax strips I could find and then wore all my swimsuits under my clothes on the plane so I didn’t have to pay for a bag. Just thinking. I think I should learn how to do my taxes

[cattythespy]

Still chuckling over "That man insists on making contracts through the guild" about Chilchuck.

[littlemizzlinguistics]

My brain: okay baby girl (gender-neutral), you’re gonna be slightly better than average at language-learning

Me: 😃

Brain: but you’re also gonna be so bad at math that you shouldn’t ever be trusted with anything relating to numbers.

Me: 🫠

[a-very-fond-farewell]

tried to take a day off from writing. still woke up at 5am. let’s write then 😈🔥

[jackalxhearts]

losing my mind with taxes. hr block kept sending me returns that didn’t take into account all the estimated taxes I already payed...and like. the person doing the taxes isn’t reading all my documents. and when I spoke to her she didn’t seem to understand what I was saying when I was talking about making quarterly payments as a freelancer. then she tried to upsell me on another product and won’t let me view the forms she’s filling out now because I declined the product. I gave up and said never mind lmao and sent all my documents to a very simple no-nonsense CPA service where they seem to actually understand what estimated payments are (I didn’t use them earlier because idk they already know me at hr block but. this is nonsense)

[cam-the-orange-cat]

Okay first of all: fantastic master list, 11/10, beautiful work.

Secondly: IT WORRIES ME TO A GREAT DEGREE THAT PEOPLE'S PARENTS AREN'T TEACHING THEIR CHILDREN THIS STUFF.

I want to live by myself when I move out of my parent's place but I'm really afraid of money problems? I'm afraid that the only place I can afford will be in the ghetto and it'll all be torn apart and I'll only be allowed to eat one granola bar a week. I'm really stressing out about this. I don't know anything about after school life. I don't know anything about paying bills or how to buy an apartment and it's really scaring me. is there anything you know that can help me?

HI darling,

I’ve actually got a super wonderful masterpost for you to check out:

Home

what the hell is a mortgage?

first apartment essentials checklist

how to care for cacti and succulents

the care and keeping of plants

Getting an apartment

Money

earn rewards by taking polls

how to coupon

what to do when you can’t pay your bills

see if you’re paying too much for your cell phone bill

how to save money

How to Balance a Check Book

How to do Your Own Taxes

Health

how to take care of yourself when you’re sick

things to bring to a doctor’s appointment

how to get free therapy

what to expect from your first gynecologist appointment

how to make a doctor’s appointment

how to pick a health insurance plan

how to avoid a hangover

a list of stress relievers

how to remove a splinter

Emergency

what to do if you get pulled over by a cop

a list of hotlines in a crisis

things to keep in your car in case of an emergency

how to do the heimlich maneuver

Job

time management

create a resume

find the right career

how to pick a major

how to avoid a hangover

how to interview for a job

how to stop procrastinating

How to write cover letters

Travel

ULTIMATE PACKING LIST

Traveling for Cheap

Travel Accessories

The Best Way to Pack a Suitcase

How To Read A Map

How to Apply For A Passport

How to Make A Travel Budget

Better You

read the news

leave your childhood traumas behind

how to quit smoking

how to knit

how to stop biting your nails

how to stop procrastinating

how to stop skipping breakfast

how to stop micromanaging

how to stop avoiding asking for help

how to stop swearing constantly

how to stop being a pushover

learn another language

how to improve your self-esteem

how to sew

learn how to embroider

how to love yourself

100 tips for life

Apartments/Houses/Moving

Moving Out and Getting an Apartment, Part 1: Are You Sure? (The Responsible One)

Moving Out and Getting an Apartment, Part 2: Finding the Damn Apartment (The Responsible One)

Moving Out and Getting an Apartment, Part 3: Questions to Ask about the Damn Apartment (The Responsible One)

Moving Out and Getting an Apartment, Part 4: Packing and Moving All of Your Shit (The Responsible One)

How to Protect Your Home Against Break-Ins (The Responsible One)

Education

How to Find a Fucking College (The Sudden Adult)

How to Find Some Fucking Money for College (The Sudden Adult)

What to Do When You Can’t Afford Your #1 Post-Secondary School (The Sudden Adult)

Stop Shitting on Community College Kids (Why Community College is Fucking Awesome) (The Responsible One)

How to Ask for a Recommendation Letter (The Responsible One)

How to Choose a College Major (The Sudden Adult)

Finances

How to Write a Goddamn Check (The Responsible One)

How to Convince Credit Companies You’re Not a Worthless Bag of Shit (The Responsible One)

Debit vs Credit (The Responsible One)

What to Do if Your Wallet is Stolen/Lost (The Sudden Adult)

Budgeting 101 (The Responsible One)

Important Tax Links to Know (The Responsible One)

How to Choose a Bank Without Screwing Yourself (The Responsible One)

Job Hunting

How to Write a Resume Like a Boss (The Responsible One)

How to Write a Cover Letter Someone Will Actually Read (The Responsible One)

How to Handle a Phone Interview without Fucking Up (The Responsible One)

10 Sites to Start Your Job Search (The Responsible One)

Life Skills

Staying in Touch with Friends/Family (The Sudden Adult)

Bar Etiquette (The Sudden Adult)

What to Do After a Car Accident (The Sudden Adult)

Grow Up and Buy Your Own Groceries (The Responsible One)

How to Survive Plane Trips (The Sudden Adult)

How to Make a List of Goals (The Responsible One)

How to Stop Whining and Make a Damn Appointment (The Responsible One)

Miscellaneous

What to Expect from the Hell that is Jury Duty (The Responsible One)

Relationships

Marriage: What the Fuck Does It Mean and How the Hell Do I Know When I’m Ready? (Guest post - The Northwest Adult)

How Fucked Are You for Moving In with Your Significant Other: An Interview with an Actual Real-Life Couple Living Together™ (mintypineapple  and catastrofries)

Travel & Vehicles

How to Winterize Your Piece of Shit Vehicle (The Responsible One)

How to Make Public Transportation Your Bitch (The Responsible One)

Other Blog Features

Apps for Asshats

Harsh Truths & Bitter Reminders

Asks I’ll Probably Need to Refer People to Later

Apartments (or Life Skills) - How Not to Live in Filth (The Sudden Adult)

Finances - Tax Basics (The Responsible One)

Important Documents - How to Get a Copy of Your Birth Certificate (The Responsible One)

Important Documents - How to Get a Replacement ID (The Responsible One)

Health - How to Deal with a Chemical Burn (The Responsible One)

Job Hunting - List of Jobs Based on Social Interaction Levels (The Sudden Adult)

Job Hunting - How to Avoid Falling into a Pit of Despair While Job Hunting (The Responsible One)

Job Hunting - Questions to Ask in an Interview (The Responsible One)

Life Skills - First-Time Flying Tips (The Sudden Adult)

Life Skills - How to Ask a Good Question (The Responsible One)

Life Skills - Reasons to Take a Foreign Language (The Responsible One)

Life Skills - Opening a Bar Tab (The Sudden Adult)

Relationships - Long Distance Relationships: How to Stay in Contact (The Responsible One)

Adult Cheat Sheet:

what to do if your pet gets lost

removing stains from your carpet

how to know if you’re eligible for food stamps

throwing a dinner party

i’m pregnant, now what?

first aid tools to keep in your house

how to keep a clean kitchen

learning how to become independent from your parents

job interview tips

opening your first bank account

what to do if you lose your wallet

tips for cheap furniture

easy ways to cut your spending

selecting the right tires for your car

taking out your first loan

picking out the right credit card

how to get out of parking tickets

how to fix a leaky faucet

get all of your news in one place

getting rid of mice & rats in your house

when to go to the e.r.

buying your first home

how to buy your first stocks

guide to brewing coffee

first apartment essentials checklist

coping with a job you hate

30 books to read before you’re 30

what’s the deal with retirement?

difference between insurances

Once you’ve looked over all those cool links, I have some general advice for you on how you can have some sort of support system going for you:

Reasons to move out of home

You may decide to leave home for many different reasons, including:

wishing to live independently

location difficulties – for example, the need to move closer to university

conflict with your parents

being asked to leave by your parents.

Issues to consider when moving out of home

It’s common to be a little unsure when you make a decision like leaving home. You may choose to move, but find that you face problems you didn’t anticipate, such as:

Unreadiness – you may find you are not quite ready to handle all the responsibilities.

Money worries – bills including rent, utilities like gas and electricity and the cost of groceries may catch you by surprise, especially if you are used to your parents providing for everything. Debt may become an issue.

Flatmate problems – issues such as paying bills on time, sharing housework equally, friends who never pay board, but stay anyway, and lifestyle incompatibilities (such as a non-drug-user flatting with a drug user) may result in hostilities and arguments.

Your parents may be worried

Think about how your parents may be feeling and talk with them if they are worried about you. Most parents want their children to be happy and independent, but they might be concerned about a lot of different things. For example:

They may worry that you are not ready.

They may be sad because they will miss you.

They may think you shouldn’t leave home until you are married or have bought a house.

They may be concerned about the people you have chosen to live with.

Reassure your parents that you will keep in touch and visit regularly. Try to leave on a positive note. Hopefully, they are happy about your plans and support your decision.

Tips for a successful move

Tips include:

Don’t make a rash decision – consider the situation carefully. Are you ready to live independently? Do you make enough money to support yourself? Are you moving out for the right reasons?

Draw up a realistic budget – don’t forget to include ‘hidden’ expenses such as the property’s security deposit or bond (usually four weeks’ rent), connection fees for utilities, and home and contents insurance.

Communicate – avoid misunderstandings, hostilities and arguments by talking openly and respectfully about your concerns with flatmates and parents. Make sure you’re open to their point of view too – getting along is a two-way street.

Keep in touch – talk to your parents about regular home visits: for example, having Sunday night dinner together every week.

Work out acceptable behaviour – if your parents don’t like your flatmate(s), find out why. It is usually the behaviour rather than the person that causes offence (for example, swearing or smoking). Out of respect for your parents, ask your flatmate(s) to be on their best behaviour when your parents visit and do the same for them.

Ask for help – if things are becoming difficult, don’t be too proud to ask your parents for help. They have a lot of life experience.

If your family home does not provide support

Not everyone who leaves home can return home or ask their parents for help in times of trouble. If you have been thrown out of home or left home to escape abuse or conflict, you may be too young or unprepared to cope.

If you are a fostered child, you will have to leave the state-care system when you turn 18, but you may not be ready to make the sudden transition to independence.

If you need support, help is available from a range of community and government organisations. Assistance includes emergency accommodation and food vouchers. If you can’t call your parents or foster parents, call one of the associations below for information, advice and assistance.

Where to get help

Your doctor

Kids Helpline Tel. 1800 55 1800

Lifeline Tel. 13 11 44

Home Ground Services Tel. 1800 048 325

Relationships Australia Tel. 1300 364 277

Centrelink Crisis or Special Help Tel. 13 28 50

Tenants Union of Victoria Tel. (03) 9416 2577

Things to remember

Try to solve any problems before you leave home. Don’t leave because of a fight or other family difficulty if you can possibly avoid it.

Draw up a realistic budget that includes ‘hidden’ expenses, such as bond, connection fees for utilities, and home and contents insurance.

Remember that you can get help from a range of community and government organizations. 

(source)

Keep me updated? xx

[joehills]

The EFTPS quarterly tax payment system got a login overhaul and no one warned me.

I tried to log in to EFTPS last night to pay my quarterly taxes and was surprised that they've revamped their authentication flow.

They now have three options for Multi-Factor Authentication, and I had to pick one and set that up before I could even get to the page to enter my EFTPS credentials.

The first option they have, PIV/CAC is only for federal employees, so that's not helpful to me.

The next two options for everyone else are login.gov and id.me.

I looked at both options and login.gov seemed easier to set up quickly (and they’re not a private company that collects biometric data), so I’m gonna recommend them.

If you like processes, I took notes on my steps:

1. Visit https://www.eftps.gov/eftps/

2. Click the “MAKE A PAYMENT” button

3. Wait for a new page to load with three login options

4. Click the “LOGIN.GOV” button

5. Wait for the Login.Gov|Treasury page to load

6. Click “create an account”

7. Enter your e-mail address

8. Select English

9. Accept the Rules of Use

10. Click Submit

11. Check your e-mail for a confirmation link

12. Load the URL from the confirmation link

13. Enter a secure password

14. Set up MFA with your preferred methods (app-dependent and out of scope for these instructions)

15. At this point, if you were quick enough, it might take you straight to the EFTPS traditional login page, which still requires your old EFTPS enrollment credentials. If not, head back to the EFTPS page and click MAKE A PAYMENT and use your login.gov credentials and MFA now.

I would strongly recommend setting that all up now, and not waiting until January 16th, as this will be the first tax deadline this system was in place for and we have no idea how well the servers can handle the load.

Until next time, y'all, this is Joe Hills from Nashville, Tennessee.

Keep quarterly estimating!

[joshhamilton11]

How A Tax Service For Truck Drivers Can Streamline Quarterly Estimated Tax Payments?

For truck drivers, particularly owner-operators, managing quarterly estimated tax payments is crucial to staying compliant with the IRS and avoiding penalties. As self-employed individuals, truck drivers are responsible for paying their income taxes, Social Security, and Medicare taxes, which are typically due four times a year. While this system is designed to prevent a large tax bill at the end of the year, it can be challenging to manage without the proper expertise. This is where a specialized tax service for truck drivers can make a significant difference, streamlining the process and ensuring that quarterly estimated payments are accurate and timely.

What Are Quarterly Estimated Tax Payments?

Quarterly estimated tax payments are pre-paid tax installments that self-employed individuals, including truck drivers, must make to cover their income taxes and self-employment taxes. These payments are due four times a year—usually in April, June, September, and January. Failure to make these payments can lead to penalties and interest charges, so it’s important to estimate the right amount of taxes owed and pay on time.

For truck drivers, these payments are based on their projected annual income, expenses, and deductions. Because truck drivers’ incomes can fluctuate due to variable miles, rates, and expenses, estimating taxes accurately can be a challenge.

How a Tax Service Can Streamline the Process

An expert offering tax services for truck drivers can provide significant assistance in making the quarterly estimated tax payment process as seamless and error-free as possible. Here’s how:

Accurate Income and Expense Estimation

A tax service will help truck drivers accurately estimate their quarterly earnings and expenses, which form the basis of the estimated tax calculation. By reviewing income records, fuel costs, maintenance expenses, per diem deductions, and other business-related expenses, a tax specialist can ensure that the driver’s tax estimate is based on realistic numbers. This avoids over- or underestimating taxes, which can result in penalties or excessive payments.

Applying Deductions and Credits

Truck drivers are eligible for several deductions, including fuel costs, truck maintenance, per diem allowances, and more. A tax service will ensure that all eligible deductions are factored into the tax calculations, lowering the overall taxable income. By reducing the income that is subject to tax, these deductions can help lower the quarterly estimated tax payments. A tax service will also help identify other tax credits that could reduce the amount owed.

Setting Up an Efficient Payment Schedule

With fluctuating income, it’s easy for truck drivers to forget about quarterly payments or miscalculate them. A tax service can set up an organized schedule, ensuring that payments are made on time. They can send reminders, calculate the precise amount due for each quarter, and handle the submission of payments on the truck driver’s behalf. This minimizes the risk of late payments and the resulting penalties.

Ensuring Compliance with IRS Regulations

A tax service specializing in trucking businesses is familiar with IRS regulations and the nuances of tax laws that apply to truck drivers. For example, they can help ensure compliance with rules related to mileage, fuel tax credits, and state-specific tax obligations. By adhering to these guidelines, truck drivers can avoid costly mistakes that could result in audits or penalties.

Handling Multiple State Tax Requirements

Truck drivers who operate across state lines may have to deal with multiple state tax systems, each with its own rules and deadlines. A tax service can manage these complexities by determining which states the driver owes taxes to, calculating the tax rates for each state, and ensuring the appropriate amounts are paid promptly. This is particularly important for interstate truckers who need to navigate state-specific fuel taxes and income tax obligations.

Adjusting for Income Fluctuations

Truck drivers’ income can vary widely depending on the season, weather conditions, and market demand. A tax service can help truck drivers adjust their quarterly payments as their income fluctuates. If a truck driver experiences an unexpected increase or decrease in income, the tax service can recalculate the estimated taxes and adjust future payments accordingly. This ensures that the driver isn’t overpaying or underpaying throughout the year.

Helping with End-of-Year Tax Filings

At the end of the year, a tax service can review the total payments made during the year and ensure that the truck driver has paid enough through quarterly installments. If any additional payments are required, the service will guide the driver on making a final adjustment or claiming a refund if they have overpaid.

Conclusion

Quarterly estimated tax payments can be a burden for truck drivers, especially those without a solid understanding of tax laws or the time to manage their finances carefully. A tax service tailored to the needs of truck drivers helps streamline the process by accurately estimating taxes, applying deductions, ensuring timely payments, and navigating complex state and federal tax regulations. With the expertise of a tax service, truck drivers can focus on their work while having peace of mind that their tax obligations are being handled correctly and efficiently. This not only helps avoid penalties but also optimizes tax savings throughout the year.

[lunaamorris]

Quarterly Estimated Taxes: Tips For Accurate Calculations With A CPA

When it comes to paying quarterly estimated taxes, accuracy is essential to avoid penalties and interest charges. Professionals offering CPA tax preparation services play a crucial role in helping individuals and businesses accurately calculate their estimated tax payments. These experts ensure that taxpayers stay on track with their tax obligations throughout the year, preventing any surprises come tax season. 

Here's how working with a CPA can help you make precise quarterly estimated tax calculations.

Understanding the Quarterly Estimated Tax System

Quarterly estimated taxes are payments made to the IRS or state tax authorities to cover income that isn't subject to withholding, such as earnings from self-employment, interest, dividends, and rental income. These payments are made four times a year—typically in April, June, September, and January.

Many individuals and businesses struggle with estimating their quarterly payments because they don't have a consistent withholding system like traditional employees. A CPA helps clarify how much to pay by calculating the proper estimate based on current income and tax rates. By reviewing your income history and making projections, a CPA ensures that your quarterly payments are neither too low (which could result in penalties) nor unnecessarily high (which could tie up funds that could be used for other purposes).

Accurate Income Projections

Accurately projecting income for each quarter is one of the most challenging aspects of calculating estimated taxes. Self-employed individuals, freelancers, and business owners often experience fluctuations in income throughout the year, making it difficult to predict exactly how much to pay. CPAs are skilled in reviewing past income trends and can forecast future earnings based on factors such as business cycles, market conditions, or anticipated contracts.

With this insight, a CPA can provide a more precise estimate of your quarterly tax liability, ensuring that you're paying enough to cover your tax obligations but not overpaying.

Tax Deductions and Credits

CPAs help identify all eligible deductions and credits that can reduce your tax liability. These could include business expenses, retirement plan contributions, and itemized deductions such as medical expenses or mortgage interest. By factoring in these deductions when calculating your quarterly estimated taxes, a CPA ensures that you're paying only the taxes you owe and taking full advantage of tax-saving opportunities.

For business owners, ensuring that all deductible expenses are accounted for can significantly reduce the amount of tax to be paid. CPAs are also familiar with credits like the Earned Income Tax Credit (EITC) or the Child Tax Credit (CTC) that can further reduce tax liability, helping you save money.

Avoiding Underpayment Penalties

The IRS imposes penalties for underpayment of estimated taxes if you fail to pay enough during the year. The penalty is usually calculated based on how much you underpaid, the length of time you underpaid, and the interest rate set by the IRS. A CPA can help ensure that your quarterly payments are accurate, minimizing the risk of underpayment penalties.

A CPA can also advise you on safe harbor rules, which allow you to avoid penalties if your payments are at least 90% of your current year's tax liability or 100% of your previous year's tax liability (depending on your income). Understanding these rules can help you avoid costly penalties.

Adjusting Payments as Needed

Throughout the year, your financial situation may change—whether due to increased income, a large one-time windfall, or a shift in business expenses. In these cases, it may be necessary to adjust your estimated tax payments. A CPA can review your financial situation at regular intervals and adjust your estimates accordingly, ensuring that your payments remain accurate and aligned with your tax liability.

By monitoring your income and expenses, a CPA can also advise you on potential tax planning strategies to reduce your quarterly payments, such as contributing to tax-deferred retirement accounts or structuring your business income in a tax-efficient manner.

Filing and Record-Keeping

Finally, CPAs assist with filing quarterly estimated tax payments and keeping detailed records. While the IRS does not require taxpayers to submit forms with their estimated payments, it’s essential to track these payments and file them correctly to avoid mistakes. CPAs ensure that the right forms are filed, and they maintain accurate records of your payments for future reference, making it easier for you to stay organized.

Conclusion

Quarterly estimated taxes can be complex, but working with professionals offering CPA tax preparation services ensures that you get it right. With the help of a CPA, you can accurately estimate your quarterly payments, take advantage of available deductions and credits, and avoid costly penalties. CPAs provide the expertise to navigate this often confusing process, keeping you on track with your tax obligations while helping you save money.

[myonlinetaxrefund]

Maximize Your Refund with Free Tax Estimation Tool

Free Tax Refund Estimation offers a quick, accurate, and easy way to calculate your tax refund. By inputting basic financial information, you can instantly see how much you'll get back. This user-friendly tool simplifies tax season, ensuring you maximize your refund without any cost. Start your stress-free estimation today! Visit Us: https://myonlinetaxrefund.com.au/

[coolasabowtie]

i'd like to take this opportunity to thank past me for creating three separate reminders on my phone to pay my estimated tax this quarter. after seeing the first two reminders over this past week and promptly forgetting both of them, that third one really came in clutch