Bossier parish property tax payments

I’m in my late 20s and my baby boomer parents have been driving me crazy about the fact that I’m “still renting”. My parents live outside of the US. They have always had one source of income from my dad’s blue collar jobs at factories and warehouses. Decades ago they were able to purchase a condo that is now paid off.
They are baffled by the fact that their college educated child with a two income household can’t afford a mortgage. I live in California, and my partner and I make over $100k combined before taxes, which to them seems like a crazy amount. However, an average home price in my area has doubled within the last 10 years. The monthly payment for a mortgage is now about $4000 on a low end. Even prices for condos and townhouses range at $600k-700k which with insane HOA fees makes monthly payments only $200-300 cheaper than home mortgages.
If it was entirely up to me, I would have moved to a different state, but my partner has an immediate family member with health issues who has been hospitalized on a short notice multiple times.
We have only recently been able to start saving any money, and the main reason for it is the fact that we moved to an old studio that hasn’t been upgraded in 30 years.
My parents find a way to weave in homeownership into every conversation. They keep mentioning how all of my cousins and friends back home own their houses or have mortgages. However, all of them had their properties bought by their parents or received a sizable down payment from them. My parents can’t provide that, and I don’t want them to.
Their constant questions make me feel inadequate. I feel like they are ashamed that their child is still renting. They lied to their acquaintance and said that my in-laws have gifted us the studio we are leaving in. My in-laws are blue collar workers who have never owned a property let alone gifted one.
What am I supposed to do with my parents at this point? Do I just FaceTime them and open Zillow? Do I show them the exact portion of my salary I get left with with after all of the deductions? I have given them rough numbers before, but it went in one ear and out the other. Or do I just shut down their questions and don’t provide any information?

Question regarding the calculation of “proceeds of disposition” from the sale of a principal residence.
I lived at the property for “all the years” I owned it until I sold in 2022. The statement of adjustments from my lawyer clearly shows the breakdown of real estate and legal costs, as well as the amount that was paid out to close my outstanding mortgage.
I have designated the real estate sale as a principal residence on the tax software so now it’s only asking for indicating a total amount for “proceeds of disposition”.
But it’s not readily clear for me, when calculating “proceeds of disposition”, do I report the final amount I received after the deduction of real estate, legal AND mortgage payout?
Or the mortgage payout does not count in calculating the “proceeds of disposition”?
I understand mortgage payout is not a “cost” per se, but not including it in the calculation seems to give a very inaccurate total of final amount received.
EDIT: spelling

I have a net worth of ~700000. Approx 500K is outside my 401K. My income is 195000 per year.
I have been living in my current place for 2 years and I do not want to rent anymore. My current rent is 4000.
I want to buy a place. I am thinking about paying cash for a unit that costs 350000.
I am 31 years old.
The HOA on the unit is 750 per month. Even if I buy this unit in cash, with property tax, HOA and home insurance I am looking at 1400/month. It is still saving 2600 per month right now, but I am wondering if I am missing any edge cases.
I want to live in this property for 2 years. After that I would like to rent it out. The rent that I can expect from this unit is 2300.
Does this purchase make sense?

Okay so I work as a property manager in Illinois. The property is a string of apartments for individuals 62 and older. I work 25 hours, and that covers rent and utilities on my 2 bedroom 1.5 bath house. My fianceé works while I do this job.
Is their any tax credit or exemption for this? I’m not too familiar with taxes, and often have my mother do it. (She worked at an H&RBlock) I appreciate any insight. Thank you.

Hello. I'm 26 y/o (in the US) and I just got my first "real" job (I was in grad school before this) in this January and I feel a bit conscious that I'm starting later than most of my peers. This job is an entry-level job and I make $48k. I live in a HCOL and I make just barely enough to cover daily expenses, so I don't really have enough to save or invest at the end of the month.
However, last year I did come into an inheritance that I am hoping I can use to prepare for my future. I was using it to live off of while I was job searching but now that I have a job, I want to do something with it toward setting myself up for the future. The only thing is, I really don't know where to start.
I currently have $70,000 from the inheritance in a savings account. I haven't filed my taxes yet but my sibling (who received the same inheritance as me and withheld the same percentage from taxes as me from the tax-deferred annuity we received the inheritance money from) just did their taxes and apparently overpaid taxes on the inheritance money and is getting a $20,000 refund. I'm not sure if this will be the same for me, but it looks like it might. Either way, I definitely have $70,000.
I don't have any kind of retirement savings yet and that makes me nervous. I don't make enough to be saving from my monthly paycheck for retirement either and I'm not even sure exactly what my job has in terms of retirement contributions. It is a government job though and I know that if I stay there five years, I get a pension. But I don't think it does 401k matching or anything like that.
I have ~$30k in federal student loans. I have decent-good credit I think.
What should I do with the $70k inheritance money? Should I pay off my student loans in full? I am currently not making payments on them because I just got out of grad school where I did not need to make payments plus the COVID freeze. Someone told me I might be eligible for loan forgiveness if I stick to my government job (or non-profit sector, which seems likely) but that would be 10 years away. What would be the best way to make this money stretch? Should I open up a 401k even if I will not be able to make regular contributions to it? Should I invest the money someplace else. Any advice would be greatly appreciated.

I'm a self-employed Canadian resident that does freelance commissions. I accept payment in USD and have accepted USD payments continuously throughout the year for them. As I understand it, I have to file my tax in CAD, and I'm using the Bank of Canada's exchange rate.
I wasn't keeping up with recording the conversion of my commissions as I did them, so now there's a lot for me to list and convert. Do I have to use the amount using the exchange rate for the day that I received the payments, or would it be possible/ okay for me to just take the total amount of USD that I received and convert it using the annual average exchange rate instead?

Tl;Dr I think the right way to balance my portfolio is to treat "home value - mortgage = cash position", and thus as long as that's greater than 10% of my net worth, the rest of my savings portfolio should be all stock? If that's less than 10%, I should invest in the mortgage to bring it up to 10%, preferring that over bonds. I shouldn't hold bonds again until the mortgage is paid off (unless their yield goes higher than my mortgage rate)
Long version:
I'm in the process of buying my first home, and trying to figure out how the mortgage fits in to my portfolio - in particular to figure out how much to put down (I.e. if I should go over 20% if able)/under what conditions I should pay it down early. I'm on the younger side (about 30), so let's assume I'm targeting a 90/10 stock/bond portfolio.
On the one hand, at over 5% paying down my mortgage has a higher rate of return than cash/bonds right now, while being a similarly safe "investment". This would suggest that I should have 0 bonds in my portfolio as long as I still have my mortgage (still retaining an emergency fund though, of course).
On the other hand, historical market rates for stocks are ~8-10%, which is still a better return than paying down the mortgage more (though of course riskier). Surely I should be leaving at least some of that in place, and not sinking 100% of my net worth into my house, right? So how much?
Thinking through the math, assuming I want a 90/10 stock/bond split: * I guess the mortgage is a negative position that's bond-like, with a fairly high return * There's also the house itself, which I guess I can think of similarly as being a cash-like position (being pessimistic; while housing has gone up a lot in recent years, historically it's not too much over inflation, plus of course I'll be paying property taxes and maintenance) * Working through this with some fake numbers: supposing I have 100k non-emergency savings, a 200k house, and a 150k mortgage. Net worth= 150k. Mortgage+house = 50k cash-like position. So even if my savings are 100% in stock I'd still be 66/33 stock/"cash". * if instead I have 950k in non-emergency savings, net-worth = 1m, so 10% = 100k "cash" desired; I should pay off an additional 50k of the mortgage (bringing the principal down to 100k) and invest the remaining 900k in stocks
Second tl;dr: a mortgage is basically letting me "liquidate" a portion of my home value, allowing me to invest that money in stocks instead. I should take advantage of this to the extent that it allows me to maintain my desired portfolio balance.
Would love thoughts and opinions from others, I'm sure there's many things I'm not considering.

I filed my taxes in February and unfortunately I found out that I owe money. My accountant told me to pay via the website or by check. She gave me a 1040-V voucher to use if I was to send my payment by mail. Otherwise, I didn't receive anything else. I created an account on the IRS website and currently my 2022 balance isn't listed. I have the money and would like to pay them, but I'm unsure if I should wait for a mailed notice or just pay it anyway. I've never owed the IRS before, so I'm not entirely sure how to go about this appropriately. I would prefer not to mail it if I can because I live in a city and a lot of checks have been stolen from mailboxes and such. TIA!

Unfortunately I was never taught anything about doing taxes (parents always just paid someone do all of our taxes for us every year) and of course I want to know everything I can to get my life together.
My partnerand I have come up with a plan to pay off both of our cars completely before looking for a house to live together, but this plan will require us to help each other to pay them off faster (He gives me $750 every month along with another $750 im contributing towards the car, and then vice versa once one car is paid off).
My only concern is that this will be taxed. I've read that if this money we are giving to each other totals over $17,000 then I will have to fill out a 706 or 709 form, but after calculating our payments we wouldn't hit $17,000. Therefore, we should be okay to just send money to each other electronically, correct? If not, not sure if creating a joint bank account and putting all the money in there would make any difference.

Hello!
So, long story short, I was assigned a school project where we were asked to redo the classic mobile game 2048 (the one where you merge tiles until you reach 2048) on Unity. We were free to choose the universe it would be based on, and had to include as many progression feedbacks as possible to make the game as enjoyable as possible, so as an Ori enjoyer, I chose to develop it based on the Ori universe!
Now that I handed it over, I thought I might as well share it with you guys, both as a gift to this cheerful community, and to get some feedback too (of course, it's perfectly fine if you just want to play the game without giving any feedback! But know any feedback will be appreciated and read, because I really want to make this game as good as I can).
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Without further ado, here's the download link: https://jyrgal.itch.io/2-ori-48 (Sounds obvious, but any payment or donation is turned off on the download page, I am not trying to make money out of an intellectual property that isn't mine)
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QUICK ADDENDUM:

• The game is downloadable and not embedded in the page because Unity WebGL does not support the new particle system, which I used.
• The .exe doesn't work if the whole file isn't unzipped.
• There is a spiderless version because a friend of mine is arachnophobic, so should you be too, feel free to download this version instead!
• Somehow Windows Defender does not like my game, so don't panic if you see it blocking the executable. For transparency, I will post the source code on github as soon as my monkey brain can make this software work properly.EDIT : There it is! https://github.com/Deirghlaith/2-Ori-48
• The game uses physics and colliders because I wanted to try something new, but the result is a rather CPU-intensive game. I'm sorry in advance if your computer cannot handle the game, and should you guys request it, I will make a proper grid-based version of it that can run smoothly on most computers.
• The game is PC-only!

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CREDITS:
The music I used for the game is not mine, and so I thought I would credit the awesome peeps that made the covers I used! (of course, the original music is Gareth Coker's)

• Main Menu Music: LyricWulf https://www.youtube.com/watch?v=2pLJ00yWlZo
• First Phase: Sheet Music Boss https://www.youtube.com/watch?v=dpzpoRRiuU4
• Kwolok Phase: Redstonia https://www.youtube.com/watch?v=uyBUAfNDTWw
• Mora Phase: Trevor Alan Gomes https://www.youtube.com/watch?v=6Zg-BX6ju0o
• Shriek Phase: William Gange https://www.youtube.com/watch?v=x2hbS9dN4Sc
• Death Screen: CODE: Shadow https://www.youtube.com/watch?v=wia6Y5wy5u0
• Victory Screen: It's Will of the Wisps's Main Theme! Decided to make it the only non-exclusively-piano soundtrack of the game, as a small reward for the player finishing the game!

Hey Folks,
I'm (38F), single with no plans for that to change anytime soon, and don't have any kind of retirement plan currently. I've been reading on here about Vanguard and figuring out if a ROTH IRA or IRA makes more sense. Additionally I've wanted to buy some raw land for recreational purposes (something my peers all have/and what my family use to have as well) but given I have no retirement plan right now, I figured that wouldn't be a great investment. I'm also debating if I should just pay off my only debt instead and then work on a retirement plan.
Going to be honest, I've never really tried budgeting properly. All I can tell is that my savings gradually has increased over the years and most months I spend less than I make though I do occasionally splurge on new tech/toys.

1. Plan 1 - Pay off HELOC -> Maintain 10k or so Liquid as Emergency Fund -> Start an IRA/401k and start contributing monthly.
2. Plan 2 - Open a retirement fund/IRA and contribute close to the max (6k I believe? Can I still contribute or last year if I haven't paid my taxes yet?) and start contributing 10% monthly. Keep up Heloc Payoff amount from $800 to some higher number.
3. Plan 3 - Open a retirement Fund/IRA and contribute monthly -> Buy rural property for personal enjoyment in cash for a good deal (20k for 10 acres with road access in Alaska for example) near large public land/national park/hunting/fishing tracks - Improve land with a cabin over time and eventually rent it out to camping/hunting tourists. There's actually a lot of people I grew up with doing this now or their parents do it and make *a lot* of money. They usually have multiple cabins/or a bed and breakfast type setup however so this is probably more of a pipe-dream. Additionally could get a home improvement loan but right now that doesn't seem wise. Most rural land here takes 3-6 months to sell and does not appreciate very quickly.
4. Plan 4 - Setup some kind of business-based 401k - Company does not make significant profits beyond what is distributed via W-2's to the two members.

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Considerations

1. I may need a new vehicle soon given the age of my current one.
2. Credit Score is between 770 and 790.
3. All Heathcare, Dental, Vision, and Medications are all covered 100% due to being Native American by the Alaskan Native Medical Center (huge brand new facility).

Income - 40k/year from 50% ownership in an S-Corp company via W-2's. Long-Term contracted services so income has been stable for the last 3-4 years, been in business since 2016. Not likely to increase dramatically but could. May sell business in a few years and I'd expect to get around 300-400k. Of course it could suddenly fold or increase in value/expand.
Income - Alaskan PDF - $2500 to $3500/year.
Income Misc. - 2-3k/Year from various hobbies such as amazon referral program, growing/selling plants, livestreaming/donations, art commissions.
Emergency Fund/Liquid Savings - 30k in checking/savings making no significant interest.
Personal Loan - Variable HELOC with 25k Remaining - was at 4%, now nearing 7%. Originally for 40k from 2020. The minimum payment is something like $120/mo but I pay $800/mo + throw extra at it form time to time.
Credit Card - Paid Off Monthly, 25k limit. I put everything on this and pay it off. I've never paid interest on it in 15 years but I believe it's 14 to 16%. I tend to reap around $50-100 cashback a month from promotions and 3% back on most everything.
Utilities/Mo - $150/Gas, $150/Eletricity, $80/Cell, $90/Internet, $110/Water (Flat), $40/Trash
Insurance: Insurance on House $900/year. Insurance on Tahoe (Liability Only) $600/year.
Taxes: Property Taxes $3500/year
Luxuries - Netflix, Hulu, HBOMax, Disney, YouTube Premium.
Food & Necessities: $500/mo primarily in groceries. Door dash/eating out is limited to 1-2x a month.
Assets

• 50% Ownership of Business Worth roughly 300-400k (based on offers I've seen similar companies of my size/type get). No plans to sell it anytime soon.
• Modest 1200 sq ft Home in Anchorage - Tax Appraised at $220k for House/Lot. 1000 sqft
• 1000 sqft Garage/Workshop - Have been asked by two parties to lease this out for $500/mo but haven't been comfortable doing so. I tend to do a lot of my own automotive repair and a lot of DIY projects.
• 1999 Tahoe Resell Value 2-4k (No joke, 8mpg but I only drive an average of 50mi per month).
• 2022 Polaris 450 Sportsman Resell Value around $7000.
• 8ft Steel Trailer Resell Value $3000
• SilveGold/Coins/Guns/Electronics with Resell Value Around $10000

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Received my property tax assessment and, in reviewing it, realized I’m confused. According to the County schedule of tax rates, Homeowner is the lowest. The Ag. rate appears to be higher, but I’ve been told Ag. Is cheaper. Which is cheapest? Property is working Ag. with house that is primary residence. Thanks!
https://www.hawaiipropertytax.com/tax_rates.html

Me and my wife make about $500K per year with salary and bonuses about $300K after taxes. We are mid 40s and have 2 young kids under 4 years old. We live in the LA area in a decent 3/2 house we bought in the pandemic for $1.3MM - we owe $1.1MM on the mortgage. We have about $200K in liquid savings + the equity in the house ~$500K.
But we are struggling and racking up debt. We now have $60K in credit card debt + loans on the cars. We are planning on applying our entire tax return (which is typically large in the $50K range to this debt). We also have a maxxed out 2nd mortgage @ $100K with a high (8%) variable interest rate.
Both of our kids are in pre-schools which is about $3K per month. Our car payments total $1K per month and our mortgage is about $7K. I feel like we have good salaries, but we are really just treading water and not building our net worth. Some of the forced savings help but I think it's offset with credit card increases.
We spend about $20K per month. Which I couldn't believe at first, but the math gets you there quickly.Here is a typical month of the top 5 expenses:
Mortgage + 2nd Mortgage: $7,800 / Cars: $1,000 / Restaurants / Ordering In: $2,000 / Groceries: $2,000 / Kids Education: $3K = $15,800K
I've been at my company for 16 years and I'm getting bitter that I haven't been made a partner, but I also feel I should be grateful for a $350K salary per year.
I'm considering the following:

1. Quit my salary job and go out on my own in the same field. (I'm confident I can succeed at this but not without a couple years of comparable or below comparable pay).
2. Sell my house and move to a more affordable part of the country. (This means I have to start over in my industry).
3. Try my hand at being a custom spec home builder. I'm senior management at a high end custom home builder.
4. Be grateful for what I have, shut up, and continue to grind / wait for better days.

Any of your ideas or comments would be appreciated.

New wording on the StudentAid website states a delay of IDR counts for some under the IDR one-time payment adjustment meant to bring loanholders up to speed after lenders were accused of forbearance steering. This was already delayed once, it was supposed to begin to be implemented around November 2022 but was delayed to summer 2023.

Based on the newly eligible months from the one-time account adjustment, borrowers who have reached 240 or 300 months’ (as applicable) worth of payments for IDR forgiveness or 120 months of PSLF will begin to see their loans forgiven in spring 2023. The Department will continue to discharge loans as borrowers reach the months needed for forgiveness. All other borrowers will see their accounts update in 2024.

From what I can understand, those eligible for PSLF and IDR waivers by 10/240/300 months count by Spring 2023 will have their loans discharged. Those not eligible by Spring 2023 will have their IDR counts delayed until "2024," with no more specific timeframe given than that.
The issues this brings up can vary from overpaying (although they have promised to pay back any overpayments), to carrying around larger debt for those of us who consolidated and ate up accrued interest, and of course to the possible tax bomb if the IDR counts are further delayed as federally forgiveness won't be taxed until the end of 2025.
I'm wondering if this is due to proposed (paywall) cuts to the Dept of Ed under a GOP plan with Education Secretary Miguel Cardona saying the proposed 22% cuts below 2023 levels would have "devastating effects" on student loanholders. The budget proposal would keep funding capped at 2022 levels with Cardona further noting: "more than 40 million student loan borrowers would be impacted through decreased service hours and longer turnaround times to make changes to student loan repayment plans, or obtain a deferment, forbearance, or discharge of student loans."
Edit: Here is a non paywall story/site, which also notes Cardona stating "multiple-hour wait times and reduced call center hours," and applications for loans could take "weeks longer to process.", if this budget proposal goes through. On the other side Biden's budget proposal (paywall) calls for a $2.7 billion increase in funding to the Federal Student Aid (FSA) office for 2024.

Item Name Set Number: 40630 Frodo & Gollum, 40631 Gandalf & Balrog, 40632 Aragorn & Arwen
Lego Price: $15 + $20 + $20 + $4 tax
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Description: Brand new 40630 Frodo & Gollum, 40631 Gandalf & Balrog, 40632 Aragorn & Arwen! One bot call, one winner for all sets.
Payment required w/in 10 minutes of raffle filling, 5 minutes for any drama.
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• Sponsor may reject any entries that are found, as determined by ZAM in its sole discretion, to be in violation of these Official Rules.

1. Drawing; Notification of Winners

All Sweepstakes entries meeting the requirements of these Official Rules will be entered into the prize drawing. The number of winners will be indicated in the additional terms found on the applicable Sweepstakes webpage. Each winner will be selected by a random-chance drawing by independent persons or a computer program that randomly chooses the winner, from all eligible entries received and the random selection is final and binding, subject to the below. ZAM will notify winners by email, U.S. Mail at the address associated with the winner’s entry form, and/or by other means consistent with the Sweepstakes as soon as reasonably practicable following the drawing, but at least within seven (7) days of the drawing. ZAM is not responsible for any delay or failure to receive notification, including inactive account(s), technical difficulties associated therewith, or winner’s failure to adequately monitor any account. The winner must then respond to ZAM within fourteen (14) days or such other time frame as may be specified on the applicable Sweepstakes webpage. Winner, and any guest (if applicable), may be required to sign an affidavit of eligibility and liability and publicity release. Should the winner fail to respond to ZAM or cannot be contacted, is ineligible, fails to claim a prize and/or where applicable an affidavit of eligibility and liability and publicity release is not timely received, is incomplete or modified, the prize may be forfeited and ZAM reserves the right to disqualify that winner and select a new one in a second-chance random drawing from remaining valid, eligible entries timely submitted.

1. Prize

Each winner will receive the prize below. No cash or other substitution, assignment or transfer of the prize is permitted, except at the sole option of ZAM, who has the right to substitute a prize with another of comparable or greater value. Winner is responsible for all income or other taxes and fees associated with the receipt and/or use of the prize. The odds of winning a prize depend on the total number of eligible entries received. ZAM will not replace any lost or stolen prizes. ZAM will use all reasonable efforts to deliver prizes in a timely fashion.
Prizes:
5 winners will each win UC valued at US$100

1. Intellectual Property
2. Ownership of the pre-existing underlying intellectual property of the entrant remains the property of the entrant subject to Sponsor’s rights to reprint, display, reproduce, perform, use, and exhibit the entry for the purpose of administering and promoting the Sweepstakes and for Sponsor’s marketing and advertising purposes. By participating in the Sweepstakes, each entrant grants to Sponsor a non-exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. If an entrant is selected as a winner, instead of the license granted above, each entrant grants to Sponsor an exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. Each participating entrant hereby warrants that any entry and other materials and information provided by entrant are original with entrant and do not violate or infringe upon the copyrights, trademarks, rights of privacy, publicity, moral rights or other intellectual property or other rights of any person or entity, and do not violate any applicable laws, rules or regulations. If the entry or information or materials provided by entrant contain any material or elements that are not owned by entrant and/or which are subject to the rights of third parties, entrant represents he or she has obtained, prior to submission of the entry and information or materials, any and all releases and consents necessary to permit use and exploitation of the entry, relevant information and materials by Sponsor in the manner set forth in these Official Rules without additional compensation.

Each entrant warrants that the entry and materials and information provided do not contain information considered by entrant, its employees or personnel, or any other third party to be confidential, and that the entry, materials and information provided do not violate any laws or regulations. Entrant agrees that Sponsor has the right to verify the ownership and originality of all entries and that, upon Sponsor’s request, entrant must submit a written copy of any release or permission entrant has received from a third-party granting entrant the right to use such property. Entrant understands and acknowledges that in the event a submission is selected as a winning entry, and entrant’s ownership, rights and the originality of the entry cannot be verified to the satisfaction of Sponsor or is in any other way ineligible, Sponsor may select an alternate winner based on the same judging criteria.

1. Except to the extent prohibited by law, entrants waive the benefit of any “moral rights” or “droit moral” or similar rights in any country to any content that they upload, submit or otherwise provide to Sponsor associated with the Sweepstakes (“Entrant Content”). In addition, when an entrant creates, appears in, uploads, or posts Entrant Content, that entrant grants Sponsor a non-exclusive, transferable, worldwide, royalty-free, unrestricted, perpetual, irrevocable, license, with the right to sublicense, to such entrant’s name, likeness, and voice, including in connection with commercial or sponsored content. This means, among other things, that such entrant will not be entitled to any compensation from Sponsor, its affiliates, or its business partners if such entrant’s name, likeness, or voice is conveyed through the game or any related services, or on one of Sponsor’s business partner’s platforms.
2. Disputes

In the event of a dispute as to any participant, the authorized account holder of the email address associated with the entry will be deemed to be the participant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Each potential winner may be required to show proof of being the authorized account holder. ZAM will make final determination of identity of participants and timing of entries in its sole discretion.

1. Additional Conditions

ZAM reserves the right, in its sole discretion, to terminate, modify or suspend the Sweepstakes in whole or in part, if in ZAM’s opinion (a) the Sweepstakes is not capable of running as planned by reason of the occurrence of any event beyond its control including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications, equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, local or provincial government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within ZAM’s control, or (b) any other factors beyond ZAM’s reasonable control corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, in all instances without liability to the participants. ZAM also reserves the right to disqualify any participant or winner, as determined by ZAM, in its sole discretion.

1. List of Winner(s)

Individuals may request the name of the winners by emailing Sponsor at [[email protected]](mailto:[email protected]) with the subject line: “Community Construction Winners List”, within 90 days from the end of the Sweepstakes.

1. Personal Information

ZAM may collect personal data about participants online, in accordance with its privacy policy and as may be more specifically set forth in these Official Rules and the Privacy Policy.

1. Disclaimers and Limitations on Liability. ZAM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ANY PRIZE OR YOUR PARTICIPATION IN THE SWEEPSTAKES. BY ENTERING THE SWEEPSTAKES OR RECEIPT OF ANY PRIZE, EACH ENTRANT AGREES TO RELEASE AND HOLD HARMLESS THE SWEEPSTAKES ENTITIES, ANY THIRD-PARTY SOCIAL MEDIA CHANNELS UTILIZED FOR THE SWEEPSTAKES, AND THEIR SUBSIDIARIES, AFFILIATES, SUPPLIERS, DISTRIBUTORS, ADVERTISING/SWEEPSTAKES AGENCIES, AND PRIZE SUPPLIERS, AND EACH OF THEIR RESPECTIVE PARENT COMPANIES AND EACH SUCH COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DEATH, OR DAMAGE TO OR LOSS OF PROPERTY, ARISING OUT OF PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE INFORMATION, WHETHER CAUSED BY ENTRANTS, PRINTING ERRORS OR BY ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE SWEEPSTAKES; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO MALFUNCTIONS, INTERRUPTIONS, OR DISCONNECTIONS IN PHONE LINES OR NETWORK HARDWARE OR SOFTWARE; (3) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE ENTRY PROCESS OR THE SWEEPSTAKES; (4) TECHNICAL OR HUMAN ERROR WHICH MAY OCCUR IN THE ADMINISTRATION OF THE SWEEPSTAKES OR THE PROCESSING OF ENTRIES; OR (5) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY WHICH MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, FROM ENTRANT’S PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In event that production, technical, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a choosing from all legitimate, unawarded, eligible prize claims. In the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, or any federal, state or local government law, order, or regulation, or other cause not reasonably within Sponsor’s control (each a "Force Majeure" event or occurrence), then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, or terminate the Sweepstakes. The invalidity or unenforceability of any provision of these rules shall not affect the validity or enforceability of any other provision.
2. Indemnification

You agree to release, indemnify, defend and hold ZAM and its parent, affiliates, subsidiaries, directors, officers, employees, sponsors and agents, including advertising and promotion agencies, and assigns, and any other organizations related to the Sweepstakes, harmless, from any and all claims, injuries, damages, expenses or losses to person or property and/or liabilities of any nature that in any way arise from participation in the Sweepstakes or acceptance or use of a prize or parts thereof, including, without limitation, (a) any condition caused by events beyond ZAM’s control that may cause the Sweepstakes to be disrupted or corrupted; (b) the prize, or acceptance, possession, or use of the prize, or from participation in the Sweepstakes; and (c) any printing or typographical errors in any materials associated with the Sweepstakes.

1. Publicity

Except where prohibited, by participating in the Sweepstakes, you consent to the use of your name, photograph, likeness, voice, opinions, information, biographical information, entry and statements attributed to you (if true), hometown and jurisdiction of residence for advertising, publicity and promotional purposes, including without limitation, inclusion in ZAM’s newsletters, social media accounts and affiliated websites and the applicable Sweepstakes webpage, without further compensation.

1. Governing Law

These Official Rules, and any action related thereto, will be governed by the Federal Arbitration Act, federal arbitration law and the laws of the State of California without regard to conflict of laws provisions. Except as otherwise expressly set forth in Section 15 “Dispute Resolution and Arbitration” the exclusive jurisdiction for all Disputes (defined below) that you and ZAM are not required to arbitrate will be the state and federal courts located in Los Angeles County, California and you and ZAM each waive any objection to jurisdiction and venue in such courts.

1. Dispute Resolution and Arbitration
2. Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Official Rules or the breach, termination, enforcement, interpretation or validity thereof or participation in the Sweepstakes (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and ZAM agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Official Rules, and that you and ZAM are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Official Rules.
3. Exceptions. As limited exceptions to Section 15(a) above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
4. Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Official Rules. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org. Any arbitration hearings will take place in the county (or parish) where you live, unless we both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.
5. Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.
6. Injunctive and Declaratory Relief. Except as provided in 13(b) above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.
7. Class Action Waiver. YOU AND ZAM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution and Arbitration section shall be null and void.
8. Severability. With the exception of any of the provisions in Section 15(f) (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Official Rules is invalid or unenforceable, the other parts of these Official Rules will still apply.
9. Languages. These Official Rules may be made in multiple language versions. In the event of a dispute as to the terms of different language versions, the English version shall prevail.
10. Country Specific Notices.
11. If any provision of these Official Rules is invalid under the law, rules, or regulations of a particular country, it will only apply to the extent permitted.
12. No Affiliation with Social Media Channels.
13. This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with, any of the social media channels used in connection with this Contest. Entrants understand that entrants are providing information to Sponsor and not to the social media channels. The information provided by entrants will only be used as described in these Official Rules and the Game’s Privacy Policy.

For any feedback or questions regarding these Official Rules, the Sweepstakes, winners, or prizes, you can contact Sponsor by sending an email to: [[email protected]](mailto:[email protected])

Hello, just wanted to ask what are the options to finance after my lease has ended?
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Long story short, I was planning to give back the car but decided that given the current situation (RV value being much lower than the actual retail price of vehicle) I have decided that I want to finance the car.
My question is, do I just call them and say what are my options? Then take those rates and check elsewhere?
Or is whatever bank they are associated with, the only options I have?
Besides the sales tax (NYC is 8.8%), is there anything else I should know about so that they dont charge extra (middle man) payment?
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Thank you!

I'm 37 years old and I'm an EM physician making about $300,000.
I live in NY state.
I'm married with two small kids.
We have no student loans.
My wife is a radiology tech but she only works 1 day a week, and stays home to take care of our two small children most days. When the kids are older, she may go back to work part time, working 3 days a week at about a $30/hr salary.
Between the two of us, we have $1 million in savings accounts. I also have about 500,000 in retirement accounts.
We've been searching for our dream home for a long time, but can't find anything we like, so we would like to build our dream home. However, the problem is building a home is very costly. The home we would want would probably cost about the 1.2-1.3 million range.
We almost have enough savings to buy the house outright, but can we truly afford this? Property taxes in NY state are very high and would probably be about 40k a year which is what I am scared of. We are renting a small house from my wife's parents right now, and we would eventually need to buy a house, I am mostly wondering if a 1.2-1.3 million dollar house would be a reckless financial decision in our part, or should we "settle" for a smaller house in the range of 700-800k.
I personally would really like to build the 1.2-1.3 million dollar house, but my wife tells me that I am dreaming too big, that I think we are "richer than we actually are" and that she needs to "bring me back down to reality."
Thanks for your time.