Monetary gifts from parents

DH’s parents have hit the age where they have to draw down from their defined contribution savings, which has essentially doubled their cash on hand compared to last year when they were just getting their defined benefit pensions + Social Security.

Combined with this, DH’s youngest sibling has been needing cash infusions because of various things.  But they’re very fair, so if they send something to one kid, it gets sent to all three kids.

A month or so ago they wanted to send us $500 and we were like do not bother, if you must, please donate it to a charity in our name (and after a few rounds of this we provided specific charity suggestions).  I think they didn’t want to do that but we also convinced them not to send it.

This month they sent to the group chat with the three kids that checks for $2000 were already in the mail, basically short circuiting any chance we had of saying anything about it.  They said it was an early inheritance.

Which makes sense– my parents have been giving my sister and her husband up to the gift tax each year in an effort to get their (state-level) inheritance tax down.  (While still forcing my mom to hang up laundry because my father “doesn’t believe” in dryers, and to hand wash dishes because their kitchen is “too small” for a dishwasher.  Which, a. it’s not, and b. it’s only been “too small” since the “dishwashers are less efficient” reason became false.  It’s not about the environment or money or space, it’s about control.  Which, if you’re not a long-time follower of the blog, is probably the main reason I’m estranged from my parents and disowned from any inheritance.  I don’t like being controlled.)  I don’t think DH’s family is in any danger of hitting the inheritance tax (or even the state estate tax), but you never know what a future legislature will bring.

It’s funny how 25 years ago we really could have used any extra cash.  It would have paid down some of DH’s unsubsidized student loans or provided a cushion or enabled us to eat meat from the grocery store.  I would have had a lot less stress.  But now, $2K doesn’t really change anything.  When you’re rich you just get richer.  When you’re low income it’s a slog to stay afloat.  If it had been this time last year, we probably would have sent it directly to DH’s relative who had the court case, but that’s all over now and I don’t think paying off a couple of thousand on their home equity loan would be that useful in the long run given previous experiences with them using the house for cash.

I have the money earmarked for plane tickets over Christmas– it costs about the same.  Maybe we’ll insist on renting a car this year so they don’t have to drive us to the airport.

Do your parents give you money?  If you’re a parent, how do you decide on monetary gifts for your children?

 

Update on DH’s relatives and the law

You can read part one here.

It’s been something like 9 months since that post and it seems like everything is done now, hopefully.

DH’s relative got a private attorney for himself and for his sons.  I believe the total cost was around $20K ($10K for him plus $10K for both sons combined since it was the same case).  He had some delays in order to get a home equity loan on his house (DH also sent a couple thousand dollars).

Then the boyfriend beat up the daughter so badly she was hospitalized.  She’s now talking to the rest of her family again and is back in town with another former ex-boyfriend (one who cheated on her, I think?).  She told the court that she would not testify against her father and brothers (but would testify against the ex-boyfriend).  Then the ex-boyfriend beat up another person and then robbed and beat up a third person.

He didn’t do a phone check-in for one of his court appearances for the robbery so there was a warrant for his arrest, but rather than going in, he cut off his ankle monitor and is now on the run.

So the court offered a plea deal to the relative which wasn’t that great.  His lawyers offered a counter which the court agreed to.  So they’re under court supervision for a year and have to pay a fine. If they don’t get arrested for anything in the next year the case will be dismissed and be removed from their records.  They did not have to plead guilty.  The court also added a $75 fine for each of them plus $440 for court costs.  DH doesn’t know if they have the money, but hopefully they do.

Other than the daughter still potentially being in danger, this is probably a reasonably good outcome.

PG&E continues to annoy me

Many years ago, my father bought a custodial PG&E account for me. When I turned 21, legally (supposedly) it became mine. My father handed it over when I was 22 along with a tax bill that I could not afford to pay on my graduate stipend. Also PG&E had just gone bankrupt and was essentially worth nothing. I complained and he handed over enough of the previous dividend checks that I could pay the taxes, but boy was that stressful.

I then spent many years ignoring it and pretending it didn’t exist. Eventually it started paying dividends again and I got the online thing figured out so I could bypass my father for collecting dividends and making decisions about the account, or so I thought.

His name is still on the account.

Anyhow, decades have passed and it is very obvious that I can no longer possibly be under the age of 21 because the account itself is far older.

I got a sketchy letter in the mail from EQ Unify (which is apparently a sketchy subsidiary of EQ, the company now managing PG&E), offering to get his name off for a mere 10% of the existing share cost. It did provide a phone number for their less sketchy main company, which I called and then they sent me way more complicated forms.

The way more complicated forms are confusing and require my father’s signature and are going to charge me $200 maybe– it’s unclear– the fee might be waived if I get a medallion signature. There’s also a $75 fee for lost certificates which seems bizarre because all of the information is online.

The internet says I have owned these legally and have had sole control since I was 21. But I should have informed PG&E of that when I turned 21. I didn’t.

Anyhow, I suppose I will just hold onto these until I die and then my heirs can figure it out.

DH’s work is changing again

  • DH’s friend who tends to find him jobs has moved on to an established company.  Having a SAH spouse and kids really does mean you value stability.
  • He was one of two direct reports to DH.  (He had no interest in management.)
  • DH decided to move the other direct report to another unit in the company.  So now DH is the only member of the unit.
  • There’s talk about making DH the VP of engineering, which is currently something the company needs but does not have.  But it’s not clear if upper management is on board with that.
  • None of this really makes sense to me, but also I haven’t tried hard to make it make sense.
  • There was talk of raises 4 months ago, but so far no raises have appeared.

Revisiting an old post

Back in 2012, someone asked us how to help siblings get along.  At the time DC2 was about to be born, so we had no practical experience.

DC1 came home for Spring Break and it was lovely watching the two kids talk about slang (apparently some things have slightly different meanings in college in MN compared to high school here), and anime, and music, and high school, and all sorts of other things.

They’re not best friends like DH and his younger brother are.  They don’t text each other– apparently they belong on a group text that my sister started, but that’s the only electronic connection they have and they usually only use it when my sister starts something.  (They could easily have more electronic connection, they just haven’t bothered.)  But they get along and seem to enjoy each other’s company.  They share things.  They’re nice to each other.

We have a peaceful home.

We basically did all the things we said we were going to do in the above post. In addition, DC1 was never parentified other than occasionally driving DC2 to things when zie was home and had a drivers license and DC2 had lessons (that was nice for us!).  I don’t know if those things worked or if my kids are just naturally good-natured.  Possibly a bit of both.

My relationship with my sister has also changed.  With me being estranged from my parents, there are never those awkward family interactions where my sister reverts to being a jerk to get parental attention, or whatever that dynamic was.  Her husband has been a bit of a calming presence.  Having a baby has also changed how she views us– apparently we were the only actually helpful people when she was going through the childbirth and aftermath– everyone else made more work for them rather than less.  (Which seems CRAZY to me!  I don’t have as much in the way of friends and family, but the people I did have gave us meals and offered to see or not see the babies whatever was better for us, etc. like textbook if you asked on a mommy forum what would be most helpful.)  We visit and have normal adult conversations and normal parent conversations.  The same was not true in 2012 when she would spend a lot of time picking at me and I’d spend a lot of time saying ok whatever you say and inwardly rolling my eyes.

So I guess bad sibling relationships can be grown out of.  Yes, my sister and I would be there for each other in emergencies back then, and she was always great with my kids, but visiting just for the sake of visiting is more pleasant these days.

Have your relationships with your siblings changed as you’ve gotten older (if applicable)?  Do your kids get along (also, if applicable)?  What are your secrets to a happy and peaceful co-existence?  

RBOC

  • Amazon keeps pushing Fox News on me.  This may be the thing that gets me to finally quit Amazon Prime.  I think it may actually be.
  • Apparently if you are emigrating from the US to Canada, they won’t let you in unless your cars are completely paid off.  (SIL learned this at the Canada border.)
  • I’m never quite sure what to feed my in-laws when they visit so we end up just eating out most of their stay.  I think they’re ok with that because I’m not even sure they both enjoy eating the same things (ex. FIL prefers rare steaks and MIL prefers well-done if she has steak) other than salad.  Restaurants just make it much easier to individualize.  We mostly just do New American and Latin cuisine.  (Italian is kind of expensive so we don’t tend to do it, and the one European restaurant in town is a 25 min drive, though they did like it when we went years ago before we had so many more options nearby.)
  • Oddly, it seems to work out when we order a bunch of family-style food from some restaurants rather than forcing them to pick off a menu– I know that MIL tends to like most seafood dishes and FIL likes meat and potatoes.  They both enjoy salads with fruit.  I think the benefit over DH and me cooking is that there are more options.
  • DC1 is off to study abroad!  The house is quieter and we eat a lot less when zie’s gone.  We won’t get a long winter break with hir either because study abroad is a semester instead of quarter, so there won’t even really two weeks break before school starts up again.
  • One of DH’s cousins is getting scammed by online “girlfriends” he’s never met.  Apparently he gave one $1,800, and now has another one who is asking him for money.  His relatives tell him they’re scams, but he doesn’t believe them.
  • Finally got an equity raise to match another member of the department with a very similar cv, as did two other similar faculty members in my department.  (Things get unequal when merit based raises aren’t the same every year– it’s luck who gets what when.)  The request was like 4 years ago, but now is better than never!
  • I also took on another service role that is going to add a month of summer salary (and a LOT of additional administrative work).  Gotta save up to buy into Malta or Portugal or Spain…  (Alternatively, still need to save up for DC2’s college education.  Or potentially both.)
  • Several years after it was promised (but administrative changes made people forget), I, and two other people in my department, have gotten equity raises to match us with the person who got an equity bump the year it was promised (basically, they said this person first because she missed the last equity bump and then you guys the next year, and then the person who made that promise left, then three years passed with us making noise reminding people each year).  So even though I don’t get paid until October, I’m feeling pretty flush right now.  I’m currently making more than DH!  (We tend to flip based on who got the last raise, but it’s not clear if or when he will be getting another raise given uncertainty in biotech right now.)
  • DC1 is strongly considering getting an MA overseas.  I think it would be hilarious/awesome if zie became a citizen of the country where I have second cousins.  We really loved it when we visited, even though I probably picked up covid there.

RBOChristmas

  • Remembered to get plane tickets to the midwest early enough to still have options.  (This is posting about a month after writing, give or take.)
  • Since DH’s sister and family moved to Canada, they won’t be coming to the states for Christmas, at least as of now they’re planning not to.
  • That means a much more relaxed Christmas, and a less expensive one.  Previous years we’d go to DH’s parents’, spend a day, then drive three hours to an AirBnB DH’s brother’s where DH’s sister’s family would meet us (though they would drive home at night) and we’d alternate between DH’s brother’s place and the airBnb for some number of days.  Then we’d drive back to DH’s parents’ place and then the next day we’d drive back to the airport and go home.  Lots of travel, very frenetic.
  • Now we’re just doing DH’s parents’ place.  DH’s brother’s family will be driving to their home town as well and either staying with his in-laws or in a hotel (apparently the pool is a big draw– $520 for hotel for four nights it looks like, though we won’t be paying… which I feel a little guilty about, but we are paying for plane tickets… but also we’re not hosting Christmas…).
  • We were offered the option of home vs hotel (with BIL’s family doing home if we chose hotel), but we selfishly chose home because the whole point is to spend time with the grandparents since we live out of state.  MIL and FIL will be paying for the hotel, which I feel guilty about but not enough to offer to pay and definitely not enough to offer to stay in the hotel ourselves.  But I think sometimes it’s ok to be selfish.  I hope.
  • So that means we’re only paying for air fare.  We considered driving again, but it was so exhausting last time we drove and DC1 will be jetlagged from getting back to Japan, so won’t be able to take driving shifts there… There really is a big difference between 4-5 hours of driving and 13 hours of driving even if there’s still time spent in the airport meaning travel time isn’t *that* different.  Plus my back doesn’t like sitting for 13 hours straight anymore.
  • Total cost for four plane tickets:  ~$1500.  Which is the same as we spent last year– but we have very nice times!  And, unlike last year, we’re flying out of the closer city airport.  It will probably be something like $100 for parking though I bet we have credits from work parking that we can cash in for that part.  And there will be money for catsitting, though probably not as much as last year since we have fewer and older cats and probably don’t last minute need someone to live in.
  • We will probably end up paying for a few meals, but restaurants just aren’t very expensive in the rural midwest.  It will be interesting to navigate DH’s new lowfat diet.  Hopefully he’ll be ok.
  • It’s weird not spending hours on AirBnB trying to figure out a place for two kids and four adults!  (I guess technically one kid and 5 adults now.)
  • I wonder if SIL prefers doing the driving or hosting everyone.  They both seem like a lot of work to me!  I will miss her cooking a lot.  Not to say that the in-laws aren’t also good cooks (MIL does an excellent lasagna for BIL’s birthday and all the holiday cookies, and FIL makes many excellent things out of venison), but SIL makes all the traditional Thanksgiving/Christmas hits which hits all the nostalgia feels for me.
  • Update:  SIL will be staying at their home with their new bunny and BIL and niblings will be visiting after Christmas for a couple of days.  MIL and FIL will be visiting them a couple/few times before Christmas as well for various events (including Thanksgiving).

Do you have any fun Winter Break plans?

Extended family update

Whenever we get a phone call from DH’s relative and it’s not a holiday, it is always always bad news.

This most recent time was possibly the worst.

His youngest daughter (who is probably in her early 20s) went back to her abusive ex-boyfriend.  Relative and his two sons went over.  Ex-boyfriend threatened them with what they thought was a gun, so relative and one of the sons jumped him.  There was no gun.  They went home.  A few hours later they (all three, even the guy who did nothing) were arrested and charged with something that google tells me would identify their state of residence to you if you looked it up.  Daughter is denying any abuse or past abuse, although there is text-based evidence of previous abuse from before.  And apparently when she sent out the text saying she was getting back with him, two of her friends without communicating with each other separately called the police department to ask for a wellness check because they thought she was being kidnapped.

He’s worried about jailtime.  He’s worried about losing his job– he was finally making middle class money.  They were finally paying down debt.  They just bought another new-to-them car.  Things were going more ok than usual.

It’s so hard to know what to do when someone is being abused.  From my reading, these confrontations, particularly when both members of the couple are in the room, almost never work.  They tend to give the abuser power over the abused whether he wins or loses the confrontation.  The internet is full of conversations of people saying the only thing that works is supporting the victim and waiting and waiting and waiting.  Which is horrible and frustrating.  When it’s a minor, removing her from the situation sometimes works, but with an adult that’s considered kidnapping if it’s against her will.  It doesn’t work like it does on TV.  And abusers are often good at using the law to their advantage.

It’s such a difficult situation.  My heart breaks for the relative, it bleeds for the abused daughter, and I’ve been giving DH a lot of hugs.  Things never run smoothly for this family.  And there aren’t a whole lot of second chances.

What can we do?  Well, basically pay for part of the relative’s lawyer.  He makes too much for a public defendant, but the boys both have public defenders.  (Apparently, the one who did the jumping has a good one.)  The concern is that we don’t know how much this will end up costing– the internet suggests that even in a rural area this kind of charge could go up to 45K, which is a LOT.  The second boy has a bad public defender, but he didn’t DO anything (plus he’s legally blind and on disability).  But the second boy wants DH’s relative to pay for a private defender, which would be twice the money DH’s relative doesn’t have.

Update:  DH sent his saved up allowance which was $2K.  The relative talked to lawyers and found one he liked for a $10K flat fee up front.  But he doesn’t have $8K.  He’s looking into getting a home equity loan, but that’s going to take longer than he has time for.  He’s going to ask for more time to raise funds at the plea trial.  He’s also looking into high interest rate credit cards (their credit is shot) and payday loans, which are insanely high interest.  There aren’t low cost pro-bono attorneys for this kind of arrest in his area.

Now I’m not sure what to do.  We do HAVE $8K (or will after DC1’s summer classes get reimbursed via 529, but we can temporarily take out of our emergency fund before then).  We don’t have the $20K that would be needed for both the relative and his second son, not without selling something (or waiting until I get paid in October and then again in November, which would be too late) or dipping way too far in our unpaid summer emergency fund for me to feel comfortable.  Sending over the remaining 8K wouldn’t be painless.  That’s real money.  I’m expecting Japan related expenses for DC1 and of course we still need to book hotels etc. for our own trip.  And I screwed up on a work expense that I may have to eat myself (#travelcurse).  And I like having more of a cushion for emergencies.  I think if he doesn’t get extra time to raise funds, we will probably end up sending it, because if he ends up in jail, that entire family is going to crater.  We can’t loan the money, we can only give, because loaning never ever works out.

Update 2:  The relative’s current plan is to refinance to a lower rate and 5 more years and pull out 20K to use the same firm instead of public defenders.  (There’s a discount for the sons because it’s the same case just different lawyers.)  The main concern is if the refinance can get done on time or if the law firm can take some money down and proof of assets + refinance.  That makes me feel a little better about not dipping into our emergency fund for this.  I still don’t know what the right thing to do is and there’s always a general underlying worry that we’ll make things worse in some way.  But I guess we’re on call.

Update 3:  higher interest home equity loan was approved in time.  Daughter’s boyfriend and daughter didn’t show up to a restraining order hearing so that was dropped (which is good news). Relative has had DH’s check for a week but hasn’t cashed it yet.

How do your kids spend their allowances? How did you spend yours as a kid? (If applicable)

Revanche at A Gai Shan Life recently had a post where she mentioned that her oldest child wants to give all of their allowance to charity and she has to force them to save some.

My kids… not so much.

DC1 mainly hoards and occasionally buys expensive music libraries (for composing).

DC2 mostly gets art supplies and manga related things.

As parents, our allowance philosophy is very laissez faire.  We basically want our kids to make their own mistakes and have a response for the “Can I gets”… but neither of our kids seem particularly acquisitive.  I’m not sure if it’s because they get more than they need or what.  Most of my childhood I really really wanted things, but while our kids seem happy to get things they don’t have that same all consuming passion I did (still occasionally do though I can actually get unnecessary things like cat-shaped paperclips now if I want them even though I will not really use them).  So I’m not sure how much learning they’ve had over the years about running out of money when you wish you’d saved for something.

And we never did the guidance for spend/save/give.  It’s like, here’s your $3/week.  (They don’t have very large allowances.  And technically DC1 doesn’t have one at all anymore.)

Maybe we should have!

How do your kids spend their allowances?  How did you spend yours as a kid?  (As applicable.)

Feeding guests (mainly my in-laws)

Sometimes I find it really fun and easy to feed guests.  Before our last set of good friends moved, we would have fun making way more food than people needed with lots of variety (so there would be something for everyone) and fancy desserts.  The America’s Test Kitchen Make Ahead Cookbook got a lot of use.  These days we’ll set snacks out for the occasional DC2 playdate, but that’s about it.

Feeding my in-laws when they come to visit has been a lot more difficult.  We tried when we were just starting out.  DH’s parents were polite, but not only do they not eat the same things we generally do (though sometimes they do), we can’t really predict what they do eat!

I remember thinking they would like a standard midwestern chicken broccoli casserole as a grad student and them politely taking very small amounts.  Our spaghetti sauce and chili aren’t right either, though they’re standard go-tos when they are feeding us (and we enjoy their versions).  Once we asked if they’d like TJ’s chocolate croissants for breakfast (the kind you bake) and they said sure and ate precisely zero of them.

We’ve basically given up cooking entirely and just eat out when they visit so they can order what they want to eat.

They don’t eat Asian food, particularly not my FIL who got food poisoning the first time he tried Chinese food in his 20s.  MIL is a bit more adventurous, but after a disastrous too-spicy banh mi incident, we gave up there as well.  (If we need her to choose a restaurant, my go-to after laying out the options and her saying she’s fine with anything is to say, “Sushi it is then!” and she will then pick one of the other options.)  MIL isn’t really big on meat and potatoes, but FIL really is.  Except occasionally when MIL does want a steak (well-done; FIL likes it medium-rare) or a Reuben or pastrami sandwich.  I’m not sure if they like pizza, but that’s something they always get when feeding kids, because kids love pizza.  FIL will feed us medium-rare venison steaks (or elk or moose) with broccoli and potatoes when we visit, which is always a treat, but MIL does not eat game.

FIL really likes all kinds of BBQ.  MIL I think puts up with it for his sake when they’re both here.  MIL tends towards cafes and sandwich places and sometimes orders a salad, but again, sometimes gets something meat-heavy and gloppy.  FIL also likes salads, but ones with sweet things on them.  This last time DH used up all the poppy seed dressing (that we buy just for FIL, though DH also likes it) without me noticing right before FIL’s visit and that was kind of bad.  I had the foresight to have the Greek Salad I made to be deconstructed this last time so we could have the feta and olives and he could go for blackberries and candied pecans.  They’ve been ok with shwarma/greek in the past, though they never seek it out.  Tex-mex is something they feel comfortable with.  We’ve had good luck with other Latin American cuisines, most recently Brazilian (FIL REALLY liked his steak, though only had one cheese bread, half a fried banana, and no yucca).  MIL really likes seafood, so when she’s here without FIL we try to take her to someplace that has scallops.  I’ve been afraid to try cooking seafood myself.

They do like DH’s homemade bread and MIL has requested that he make it on family trips in the past.  So that’s something!  This last time DH made a cinnamon swirl bread that FIL really liked.

We always try to have their favorite drinks– diet coke for FIL … for MIL we haven’t quite gotten the kind of carbonated water correct (she used to drink Fresca, but has switched to completely sugar-free) and she will end up buying something for herself at Walmart mid-way through her visit, but she does prefer instant coffee over the kind DH makes from scratch.  We also need to remember to make ice cubes since they prefer them (this last time I completely forgot) and we have an ancient low-cost refrigerator without a fancy water/ice dispenser.  MIL likes pistachios so we always try to have some and I try not to eat them all without replacing them when we visit them.  FIL likes a banana a day and alternates between pancakes or bacon and eggs for breakfast, which he will cook for everyone whether he’s visiting us or we’re visiting him.  MIL starts her day with a bottle of glucerna.

I’m glad we make enough money that we can just order out when they visit.  I’m glad they let us pay for things when we order out.  (They didn’t used to, but at some point we started making enough that it makes much more sense for us to pay.)  I do wish we could do a better job figuring out what to have on hand when they come!

Do you have trouble feeding people?  How do you decide when to eat out/get take-out with vs. make food for company?

Design a site like this with WordPress.com
Get started