Misc Tools
Libraries are wonderful places ā beyond just checking out books, they often offer classes, are a hub for finding out about local offerings, legal support, etc. And theyāre a place you can work without noise or an expectation to buy anything.
I have many library memberships from different communities and I can take advantage of varied online offerings ranging from audio books or e-books to digital collections of magazines (e.g. consumer reports) and academic journals. So whenever I move, I go check out my local branch and add a new membership to my collection.
(Also, even if your local branch is small, they will often have a program where you can request a book from anywhere within the system and they'll send you an email when it's ready and waiting for you at your branch).
(And also, some have a specific branch with household toolsāa "Tool Lending Library" with shovels, drills, crowbars, etc. so you can tackle projects at home without needing to invest in tools that you might only need once!)
Update: one of my libraries has started stocking all sorts of fun things to borrow: sewing machines, photo scanners, dehydrators, kitchen aid attachments, camping gear, microscopes, Polaroid cameras, projectors, oversized party games, etc. And you can reserve them for specific dates rather than hoping theyāre available when you need them.
Wirecutter has a list of other things some libraries offer:
This is where I send people to listen to
Hoopla is remarkable because thereās never any waitlist ā if they have what youāre looking for in their collection, you can immediately borrow it. The only limitation is that you can only check ~6 items out per month.
Note: not every library offers hoopla, which is another reason to collect library cards along your lifeās adventures.
(I almost always listen to audiobooks slowed down. Especially nice if youāre using them to fall asleep to. š)
Libby has a fantastic format where you can have all of your library cards linked simultaneously, so that if one library doesnāt have an item in their collection, or has a long waitlist, you can see whether a different library has it immediately available or a shorter waitlist. Yet another reason to collect library cards!
(hoopla has been having technical difficulties with the search functions, so if you canāt access the right thing by clicking on a google link or a link on my website that opens in hoopla, try Libby for things like
(I almost always listen to audiobooks slowed down. Especially nice if youāre using them to fall asleep to. š)
Goodreads also has a bit of a thing to recommend things based on how you rate the books youāve read.
Can write emails with a particular tone, can debug complicated spreadsheet formula errors, do language translation, make lists of promising _____, etc. In some ways, like a pretty talented assistant.
(thereās also an app!)
Iām not really a power-user, but just from the results that pop up in my google searches, it feels like the most helpful place on the internet.
A recent replacement for what StumbleUpon was trying to do.
Add your number to the āDo Not Call Registryā by calling 1-888-382-1222 from the phone you want to register. You can also call this number to check if your number is already on the list (they will tell you the exact date you were added).
Google Analytics is the famous option. And probably the most fun. I really like watching the ārealtimeā view on the world map.
The data is certainly imperfect, but in theory, you can see what pages users visit, how long they stay, whether they scroll, what cities theyāre visiting from, what source brought them to you, whether theyāre new users or repeat visitors, whether theyāre on phones or regular computers, etc.
Google Console is perhaps less well known and centers less around what people are doing on your site and more around what brings them to your site in the first place (and how Google itself views your content). I suppose this is the service for all the people obsessed with SEO?
Iām personally not trying to optimize anything at the moment, so I mostly just check to see what search terms people are using and which ones cause clicks and how that shifts over time.
Note: as far as I can tell, it only starts tracking this data once you enable Google Console, so if youāve just set up your site and youāre not really diving into any sort of metrics yet, you should still consider getting this set up from the get-go so you can look back at the data later on.
Also, because Iām not trying to do anything in this space, I actually havenāt read much about whatās even going on here, so these are just my vague impressions:
There are strategies for having your content be more likely to be viewed as relevant by Googleās search algorithm, and it can take time to cause changes in Googleās view of your site because it seems like youāre at the mercy of somewhat random allocation of Googleās crawling/recrawling capacity over weeks and months.
If you already have high quality content that you think will be viewed favorably by the crawlers (and that your pages have the right sort of metadata), then making sure that Google has a sitemap with all your pages is perhaps the next step. (You can see how many of your pages are being included or excluded, which have been crawled, etc.)
(One thing that seems a little odd is that clicks will happen on pages that donāt really seem to be coming up in search results (not getting āimpressionsā) ā not sure what that means about whatās typically happening. One thought Iāve had is that Chrome sometimes guesses at what youāre looking for without you needing to complete the official google search (maybe Iām thinking of cases where you have the site in your browser history?), so maybe those queries donāt end up counting?)
The Way Back Machine "Internet Archive"
It's a nonprofit dedicated to automatically archiving websites ā you can use it to try to find content from an older version of a website that has subsequently changed or been removed.
This is a similar service:
(in theory, you could use this to discover what factory a particular company uses for manufacturing, and that might let you be more precise in identifying high-quality off-brand options)
I have a board with one of my besties and itās been a really wonderful place for us to share longer-form content and handle threading and topic changes and photos and links to things in a way that was becoming pretty impossible with just text messaging.
Almost put this in coordination/teams because we use it all the time. The sad news is that theyāre being acquired by Adobe, which often marks the end of innovation š
Essentially any music at the tip of your fingers. Surprisingly good "radio" playlists that start from a song you're into. Excellent curated playlists (e.g. "mood booster" or "chill vibes" or "dinner with friends").
You can have up to 6 accounts on a single household/family plan.
You can navigate around the globe, listening in wherever strikes your fancy.
Open the Google app on your phone, say āwhat's this song?ā or click the āSearch a songā button. Then start humming for 10-15 seconds. On Google Assistant, say āHey Google, whatās this song?ā and then hum the tune.
My insect expert friends call BugGuide āProbably the broadest online database for insect sightings and identification on the internetā
If you need to translate content in another language, google does a great job within your browser. If you have content from Slack or Whatsapp, you can open those apps via your browser and let Google Translate do its work!
For phrases: linguee.com maps bilingual newspaper articles to each other. You sometimes have to dig to find the option (maybe itās that you have to scroll down past the suggested translation?). This is how a friend of mine finds weird science phrases when she needs them. They also show you the source articles so you can get at country specific things by checking if the newspapers are in the right region.
For more human translations, try phrasing your search in a way that might show up on discussion boards, e.g. ācomo se dice [phrase in spanish] en inglesā
Also: google translate on your phone can read text via the camera and translate e.g. a menu in real time
š¤Ā Iāve heard this is a good place to look up ASL signs: https://www.handspeak.com/
See also: AI assistants like ChatGPT
My friends analyzed voice-to-text transcription and found Otter to be the best.
(also good for reading before bed when they might nod off and need a recap, or where they canāt start when you do, but can see that youāve begun reading and can hurry up and join in).
I got started because my family is often on different continents and it worked well for free international texting. It supports group chats with photos and video and easy āreplyā to specific messages. I love seeing updates from my scattered family members trickle in as people see beautiful sunsets or eat delicious foods or catch their dog doing something adorable. (Bonus: they now feature end-to-end encryption)
Update: my family switched to Messages because we now all have iphones, there was some concern about whatsappās connection to fb, and the live photos are clutch for my dadās obsession with birds š¦
Niche usage for managing teams when doing construction or otherwise needing to show people things irl.
(for overcoming the auto system volume lowering on a Mac during facetime calls)
Really great way to keep things moving when schedules donāt align and also great for content that you might want to share with others down the road. Iāve had friends use them for explaining complicated spreadsheets that are usually a pain to revisit months or years down the line, or for recording a demo in a meeting thatās relevant for someone who couldnāt make it.
- Cochrane
- See also Other health services/guides
Public libraries often have a bunch of their print books which are useful when youāre e.g. starting a nonprofit, but their online resources are also good.
Importantly, thereās both a critic score and an audience score (a few of my favorites are really low on the former and really high on the latter). And there are also convenient lists and filters for finding something good on a particular streaming service. (Though Reelgood is a better dedicated service for narrowing options to your particular streaming optionsāI just wish they had both of the rottentomatoes scores.)
You can log what services you have so that it only shows stuff streaming for free.
You can also log which movies you youāve already seen and what movies you want to see, or what TV shows you watch and what episodes youāve already seen so that new episodes show up in your āwatch nextā queue.
(I used the apple iOS versions for for the icons on the
what3words is an app that has assigned a three word sequence to every 10āx10ā square in a grid that covers the whole world (available in a number of languages as well). I found out about it on the way to not-
Note: I had a hard time with it when there was no reception, but I donāt know how gps/my iPhoneās built in compass is meant to work without service.
5 free pages (and maybe 5 more if you join via a referral link?)
Gives you a chronological ordering of the tweets of everyone you follow.
Iāve seen people rave about Substack (as a better alternative to Patreon for paid subscribers)
During wildfire season, this is how I determine when to air out the house vs. lock things down and recirculate our relatively cleaner indoor air. (See my page on gas stoves for my favorite indoor CO2 monitor
Watch Duty will send you a notification for any wildfire in the county/counties of your choosing, and if itās not something concerning, you can instantly toggle notifications off for that particular blaze, or continue to get updates as the fire/cleanup progresses.
Finances š§
Allows you to easily send or request $$ from your friends or housemates for splitting bills (I've heard of other services for this that my friends like, e.g. CashApp)
Low fees (true for Vanguard generally), automatically rebalances and gets less aggressive over time.
Purchasing
Consumer Reports is a nonprofit and is the most reputable company in the space ā they care about reliability and safety and try to stay at arms length from manufacturers. https://en.wikipedia.org/wiki/Consumer_Reports
Theyāre perhaps most well known for their thorough annual ratings of new and used cars (but theyāre also the best for appliances). Itās almost unthinkable to buy a car without checking that year/make/model with CR. (Anecdote: I once bought a Honda Odyssey for a group I was working with; CR said that year had bad transmissions, but the seller had replaced the transmission just a year or two prior, so I went ahead and bought it anywayāwithin a year (which admittedly involved hauling a fair amount of drywall up into the Oakland hills š¬), the transmission failed again: my guess is that they replaced it with another one from that year. Moral of the story: trust Consumer Reports when they tell you that a particular year has a particular problem.)
You should be able to get access to a digital version of the product ratings that are published in their monthly magazine through your library membership (e.g. Ebscohost). Some libraries offer a subscription to their website as well (another reason to collect memberships!)
They also have some amount of free purchasing advice online, e.g. this guide for what month is best for buying particular products: https://www.consumerreports.org/shopping/best-time-to-buy-things/
This video of their garbage disposal testing setup gives you an idea of how seriously they approach their ratings.
Wirecutter (now owned by the NY Times and paid for via affiliate commissions when readers buy things + using a paywall for some content) isn't as reliable as Consumer Reports ā they don't do as much testing and they seem to be less price sensitive (maybe in part because they are getting a % of the sale). But they're a good place to start when looking for objects you're interested in (they cover electronics, household furniture and kitchen supplies, even clothing and interesting toys and gifts; but for large appliances and car reliability ratings, you should definitely rely on Consumer Reports).
I also like their guides which can give you ideas for gifting or help you create a good emergency preparedness kit.
There are many different faces of Americaās Test Kitchen: a quarterly magazine called āCooks Illustrated,ā a show called āCooks Countryā and a show/website/series of cookbooks under the āAmericaās Test Kitchenā brand. Theyāre like Consumer Reports, but for food and all related things.
Some portion of all of their offerings will contain product reviews of things like sous vide cookers or spatulas or knife sharpeners, ātaste testsā of particular brands of things like black pepper or fish oil or chocolate chips, tips/techniques for frying taco shells or thinly slicing raw meat, and their main focus is the testing and development of foolproof recipes.
One thing that I really love about them is that theyāre very explicit about what their target is, and they explain the ways that their experiments failed, such that if you actually wouldāve preferred the crispier version of their chocolate chip cookies, you can follow that path instead of the one that led to the ones that were soft on the inside with a cracked outer layer that they were aiming for.
They try all sorts of things so that you donāt have to: vodka in their pie crust, mashed potatoes in their pizza crust, browned butter in their cookie dough. And theyāre thorough enough that I can pretty much rely on them without needing to find something similar on the internet with a bunch of stars to make sure Iām on the right track.
Even for something as unique as homemade kimchi, their instructions led to fantastic results (though I think they mightāve made a salt conversion error when they copied the recipe from their Foolproof Preserving to their Cooking for Gut Health book because the original had the recipe denominated in Mortonās pickling salt which is much denser than the two main brands of kosher salt ā I have the correct amounts on my
I used to gift the red three-ring binder version of the āAmericaās Test Kitchen Family Cookbookā which has now been out of print for a long time (youāll probably find it at most of my friendās houses). It might still be the best combination of format and content, but there are newer ones that might be more relevant at this point. This is the original source of my
I also have the tome that is The New Best Recipes from Cooks Illustrated (a little bit more like an encyclopedia ā less accessible, but more thorough in the explanations of what worked and didnāt and with drawings instead of glossy photos).
And since I started needing to make specialized food, Iāve been really getting a lot of value out of the
Unfortunately, while the advent of online user reviews have made making purchasing decisions easier, they are also being exploited by unscrupulous companies who can pay for good reviews. ReviewMeta is a free tool that sifts through the reviews and outputs a report to help you determine the true score of any given product listed on Amazon.
camelcamelcamel shows you graphs of a product's price history over time and can give you a sense of whether you're overpaying for a product because the regular vendor is out of stock at the moment or whatever.
But you can also use it to ping you via email when a specific item you're interested in drops in price.
If you put something in your Amazon cart, whether you leave it there or save it for later, if you come back the next day and an item in your cart has dropped $32 in price, Amazon will show you an alert. This is probably not a very efficient method for looking for sales, but you could e.g. put your Christmas wish list in your cart and then periodically check in during Black Friday or Amazon prime day, scouting for big price drops.
Theyāll let you set a price for an item youāre interested in, which will email you anytime the price on Amazon drops below that price.
If you know where you actually shop, getting gift cards at a discount is like getting all of that yearās purchases at a discount.
Target tends to have a day or two in the window prior to Christmas where you can buy gift cards at a 20% discount.
In 2023 Ikea had a couple waves of also selling gift cards 20% off (i.e. $50 gift card for $40, up to $2,000 total in gift cards)
Kohlās has a great sale starting prior to Thanksgiving on the
World Market has a great Black Friday sale on mugs (usually 50% off)
IKEA starts clearing out their holiday decor and winter items a few days before Christmas and the sale typically runs through mid-Jan.
This is the best place to check before buying an Apple product ā it will tell you when each product was released and whether an update is expected soon.
They produce their own prepared foods (fresh, frozen, canned, dried, etc) and theyāre generally delicious, healthy, and reasonably priced, even for fancy things like exotic cheeses, cut flowers, or organic meats. Even their sweet treats are better than what you can find almost anywhere else.
If I could only shop at one grocery store, this would be it. (Their workers are friendly and well-treated, which is a bonus.)
See also: TJās section of as well as my actual TJās shopping list.
A global import store with all sorts of things, from wall art and furniture, to dishes and toys, to (maybe my favorite) sweet and savory snacks from around the world. I sometimes daydream about having a party where we all just go and pick out dozens of exotic foods to try.
If you have a foreign friend living in the US, you might be able to surprise them with a favorite treat from home, and if you come home from a trip abroad and didnāt have enough room in your luggage to bring everyone foreign treats, you can sometimes fake it with a quick trip to Cost Plus World Market (which is a little bit sad, but still probably a good feature of the world).
I have a few particular items I source from there, especially around the holidays
A Swedish furniture company with modern designs at very reasonable prices. Most things require assembly at home, but they also have lovely textiles (duvet covers, curtains, rugs) as well as dishware and home decor including art and lamps and plants.
Materials can vary and I would assume durability varies with itāwhen possible, I tend to avoid furniture made out of ~particle board. (But for a dorm room, itās probably fine.)
Walking around their floor of sample display āroomsā is a pretty fun activity.
If you donāt have an IKEA nearby, you can still take advantage because most of their items ship (in 2024 theyāre testing out shipping small orders over $50 for free), but once you hit a certain weight or size, the shipping cost can jump from $10 or $25 to $250. Itās worth doing some investigating/experimentation to see if those curtains or that duvet would actually ship for a lot less than youād pay for a similar product at a different store.
Iāve also recently learned that you can schedule a delivery over a month into the future, which is great for me and my nomadic lifestyle but might also be convenient for sending presents long before the relevant date. (Just know you might miss out on items which are out of stock on the actual shipping date.)
Oh, and bring a measuring tape with you! They have small paper ones in the store, but I keep a 10ā pocket-sized one in my
An impressive and secretive family-run Italian candy manufacturer (a real life Willy Wonka). They introduced the use of hazelnut as a cheaper alternative/additive to chocolate. They invented Nutella, Kinder surprise eggs (and the rest of the Kinder line), Raffaello coconut balls (particularly delicious stored in the freezer), Ferrero Rocher, Ferrero KĆ¼sschen, even Tic tacs! (In the last ~five years theyāve been on an acquisition spree that boggles the mind š¬)
Instead of paying for international shipping by sending a package directly, or by having a vendor in the US ship it for you, consider using a service in the country where the recipient is located. For sending things to Germany, for example, you can purchase through amazon.de or ravensburger.de. [see my email tip in
Often the selection will be different and sometimes the thing you want will not be available (or will be overpriced), but if the product is actually manufactured on that side of the world, there might be more options and better prices (Ravensburger puzzles is a perfect example ā during the pandemic, there were zero puzzles available on the US website and only limited supply and high prices on amazon.com, but on the German equivalents, there was ample supply, low prices and often free shipping).
And if you don't speak the language of the country you're sending to, remember that Google Translate should be able to make the websites accessible to you anyway.
ā ļø If you are tempted to send a package from the US, or even from the UK to mainland Europe, keep in mind that there does not appear to be a way to pay import taxes for the recipient. This means that a postal worker may demand cash payment to hand over a package, or worse, your recipient may have to travel to a postal hub and wait in line to open the package in front of an official and pay based on their assessed value. To any govt thatās reading this: Iām fine paying your tax! just please give me a way of doing it that doesnāt cause so much trouble for someone Iām trying to do something thoughtful for šĀ It seems very silly that I canāt send my sister some minute tapioca when she has a craving, for fear of how stressful it might end up being.
Another alternative is to save up gifts and bring them with you in a suitcase š§³Ā Or find a friend who is en route to that part of the world and have them run a far away errand for you (I once had a small package go to Iceland and then get handed off to another friend headed home to Estonia and then finally mailed to my sister in Germany (who was very confused and pleased š ))
Two tips for the SFMoMA:
- If the item is out of your price range, use it as inspiration and look for something similar at other vendors.
- The international terminal of SFO has a brick and mortar store for in-person browsing.
Also, MoMA:
Etsy
Etsy is a marketplace for individuals to sell their handmade wares (as well as resell antiques and other things). Some of the things are really lovely and the odds are much better that youāll be able to find something unique or even something you can personalize.
I sometimes browse their stuff just to remind myself that there exists a world beyond Amazon.com. I have some really fun journaling/calendar/list-making stamps from there.
A global import store with all sorts of things, from wall art and furniture, to dishes and toys, to (maybe my favorite) sweet and savory snacks from around the world. I sometimes daydream about having a party where we all just go and pick out dozens of exotic foods to try.
If you have a foreign friend living in the US, you might be able to surprise them with a favorite treat from home, and if you come home from a trip abroad and didnāt have enough room in your luggage to bring everyone foreign treats, you can sometimes fake it with a quick trip to Cost Plus World Market (which is a little bit sad, but still probably a good feature of the world).
I have a few particular items I source from there, especially around the holidays
I use two primary methods of coming up with gifts:
- Practical life improvements:
- I pay attention to the personās routines and look for places that they could be improved. If they have trouble sleeping, if they drink coffee, if they dislike shaving, if they have a commute, if they sit at their workstation all day, if they take a lot of calls, if they walk their dog, if they travel a lot, if they donāt have time for X (cooking, cleaning, shopping for clothes, fixing something in their house, setting up nice lighting, etc.), if they live in a place with harsh winters or hot summers, etc.
- Tons of things come up once I visit them in person (so you might want to take notes if youāre wanting to stick to the traditional gifting moments throughout the year); it can be hard to know whatās missing from afar.
- Things that spark joy:
- I look for things that spark joy for them as we interact over time.
- Maybe this is a particular hobby, maybe a love of animals, maybe a favorite movie or character from a book, maybe itās an activity or a set of people to visit with or maybe something that communicates a type of care or affection. Sentimental things might fit here, e.g. as reminders (my favorite photo gifts are little square fridge magnets).
- I look for the things that spark joy for me that they might also enjoy.
- This is sometimes drawn from more universal practical life improvements, e.g. my , from a food that I really love, sometimes something that I might be able to share with them, e.g.Rainbow motion-activated toilet nightlight, or a luxury item that they might not splurge for themselves like the Ember mug (seeTide Pooling) or a subscription toThermal mugs. Some people are very clear in their admiration and desire for a thing I have, which makes it easy :)Masterclass
This is where I find most of my gluten-free and low-FODMAP items. They have great prices on gf pastas (Jovial is my favorite) and Fody products (great salsa and marinara) and the best gluten free crackers: Schar (ritz, saltines, and chocolate covered graham crackers). Hereās a referral link for 40% off your first order.
My new favorite food producer. Tons of products available on Amazon. They seem to understand toxins better than any other company Iāve run into, so this is the place to get canned beans/lentils if you canāt avoid them like
Coordination/Teams š§
Calendly (for allowing other people to book slots in your calendar based on what's available)
When2meet (for allowing people to input their availability manually)
I've never used Doodle, but I know other people use it and like it. Maybe it allows for preferences rather than just availability?
World Time Buddy for seeing how time zones overlap with working/waking hours
All our written communication/coordination happens here.
Task management
While it works just fine in a browser, I highly recommend downloading the desktop version.
(Itās also how I made this websiteāitās good as basically a company wiki)
Database software, sort of a google sheets alternative where each row is more of a standalone entry, and you can use āviewsā to filter for the info youāre wanting to see.
It can also be populated via forms for e.g. gathering reimbursement requests.
This is basically how we handled the switch to fully remote work. We have āofficesā for different parts of the project and thatās where we have meetings but also where we often spend large portions of our day, co-working or available to answer questions as they come up.
We exclusively use it for live communication, and we use slack for anything written.
We needed to get a license with the 500-person add-on for our all-hands meeting.
Thereās also an easy option for auto-recording every all-hands meeting which is then stored in the cloud.
Really great way to keep things moving when schedules donāt align and also great for content that you might want to share with others down the road. Iāve had friends use them for explaining complicated spreadsheets that are usually a pain to revisit months or years down the line, or for recording a demo in a meeting thatās relevant for someone who couldnāt make it.
The presenter puts a QR code up on the screen and everyone joins the poll by scanning the code. No sign-in required, fully anonymous. You can see in real-time how many people have responded before switching to the results of the question and (depending on your purposes) eventually highlighting the correct answer. Can be used in other ways, but my team mostly uses it for multiple choice.
My primary work use for Dropbox is having a shared filing system where other people can instantly have access to anything Iāve put in the relevant folder.
My primary personal use is basically as extra storage for my laptop without losing any of my organizational systems. with a paid account, once you integrate Dropbox on your computer (rather than just using it via a browser), any folder or specific file in your Dropbox folder can be designated as āonline onlyā or āavailable offlineā and you can toggle between the two options in order to quickly (depending on your download speeds) take a rarely-used set of files from purely cloud storage (not taking up any space on your hard drive, while still being listed in the proper place and openable/downloadable) to being locally available like any other file on your computer. And once youāre done with a project that needed that archive or that set of files, you can move them right back to āonline onlyā and free up that hard drive space.
Because itās in the cloud, itās also a handy way to give access across your devices. E.g. I have a scanning app on my phone that allows me to save to a Dropbox folder and so I can then easily grab that pdf and attach it to an email Iām writing on my laptop.
All my screenshots are saved to a folder thatās in my Dropbox as well, which allows easy access and also allows me to keep those files āonline onlyā so they donāt take up space, since theyāre usually just for reference.
Apart from sharing a folder or nested folder system with individuals via adding their email, any file or folder in Dropbox can be easily shared by right clicking to get āthe Dropbox link.ā This is a good option for larger files, since some messaging systems will degrade the quality when sending and some systems will have a file size limit and some people wonāt have unlimited data for receiving and downloading something big on their mobile devices.
Note: when Iām looking for something that wasnāt filed (e.g. a particular screenshot), I usually use the trick of clicking on a file and using the space bar to quickly preview it and then using the arrows to sift through the files in the likely time period. This works much slower when the files are āonline onlyā so it might be worth syncing that folder or likely set of files before starting your search. But if you know what doc you need and youāre using the space bar to just look something up quickly (I do this to check my companyās EIN as an example), I find itās not necessary to download the file, it just takes an extra second or two for the preview to come up.
Business š§
You create an LLC which invoices your client(s) for services, Opolis hires you as a W-2 employee (they become your EOR āemployer of recordā) and debits the account that receives your payment for services, does all the normal withholding for taxes and health insurance (which you purchase through them) and 401k contributions, and you get a W-2 at the end of the year.
This is a referral link that offers gift card rewards if you end up going with them.
Iām not even sure what their closest competitor is these daysāthey handle all the state and federal withholding and filings, make it easy to deduct properly for non-taxable medical benefits or taxable fringe benefits like gym memberships.
Maybe most importantly beyond those basics, they integrate smoothly with my accounting software, Xero, which makes an otherwise pretty complicated bookkeeping chore, a breeze.
One caution: their support, while friendly and potentially convenient (chat, email, and call-back options) if your issue is minor, has been taking a very long time to resolve issues over the past year or so. Weeks rather than days. Not a big problem for me, though it does mean I need to act as soon as I suspect something might be not-quite-right.
For convenience, you can also use them as your insurance broker, which I do for workers comp, but I find their one-size-fits-all approach doesnāt get me the best plans or rates for medical or dental (the best plan at the moment seems to be Humana which offers a no cap option for dental(!)), so I have a local and very responsive agent and I manually enter the withholding details when I make a new hire and again after open enrollment ends each year. They tried to have me integrate our policies in 2021 in a way that wouldāve stolen the commissions from my agent, and have recently claimed to have an integration that wonāt do that, but I havenāt had the time to check as carefully as I would need to (Iām pretty sure it will force me to pay higher fees).
I also use their 401k partnership with Guideline and itās been smooth so far. The deduction % can be updated by employees whenever they want and itās immediately reflected in their next paycheck contribution, there are low-fee funds available, e.g. Vanguard, and it doesnāt require any intervention on the admin side. The one catch is that itās a % of all comp, including illiquid/intangible comp, so you may need to find a workaround if you have any significant amount of that.
I love Xeroācloud-based, intuitive, affordable, lots of reporting options.
(I have had one vote for adding Xero guides here, but in the meantime, feel free to ask me questions if you get started but have trouble figuring out where to look for what you need)
Re: alternatives: The accountant who argued against moving to Quick Books complained that QB has a ton of formatting in their csv exports that makes it much harder to quickly move to Excel for more data processing. I canāt verify anything about QB, but I do export data from Xero all the time (especially the detailed transaction report) and it works great.
I have a lot of crypto transactions to process, and it took me 3+ years to find an accountant/consultant who could advise me well enough to integrate those transactions into Xero (basically by creating a new account for each cryptocurrency), and it took another year before I discovered that while Xero doesnāt support sub accounts, it does have a toggle option in the new Balance Sheet report and a grouping option in the Income Statement report that allows you to consolidate arbitrary sets of accounts, and you can add -1 -2 -3 or whatever you want to your chart of account codes, so you can e.g. create a separate USDC account for every single wallet or exchange in order to be able to much more easily reconcile those accounts at the end of the month. Most accountants wanted me to create a clearing account for any exchange, with a MJE at the end of the month, and I think thatās because Xero might be unusual in being able to designate any account as a payable account. I can literally mark any invoice or bill as paid via any of my accounts, which works beautifully for stablecoins that donāt need any extra calculations for gains or losses.
(Word on the street is that as we get larger/have a more complex corporate structure, someone is going to convince us to switch to something much more expensive like NetSuite or possibly Sage, especially for filing consolidated returns, but Iām hoping there might just be an add-on for that.)
The basic idea here is that the old system of āmovingā funds internationally from an account at a bank in the US involved many steps to get to a bank across the ocean and then ultimately into the recipientās account.
My understanding is that by having bank accounts around the world with people wanting to move funds cross-border in many different directions, Wise could ~match sets of transactions so that when I request a UK transfer, they can take funds already in the UK and just deposit them domestically in the correct account. And they can keep my funds in the US to do the same for a UK customer whoās trying to get funds to someone in San Francisco.
Apparently all services have a referral link at this point š. This one gives you a fee-free transfer.
They have evolved over time and now also offer multi-currency accounts to individuals which a lot of foreigners seem to use to e.g. receive USD in an almost PayPal-like way.
(note: when evaluating international currency transfers, donāt just look at feesāmost companies make their profits on the spread, so when comparing two options, you really just need to look at how much comes out the other side if you put in identical sums in your originating currency.)
This is our new favorite ābankā (itās actually more of a UI layer with banking partners hidden in the background). Itās a refreshing situation where you think of something youād want to do and poof, Mercury offers it.
No fees on ACH or wires, physical and virtual debit cards, different permissions/the ability to set up transfers that are approved by someone else, now also offering credit cards (with varying daily or monthly limits), and a new Treasury option with decent interest rates using Vanguard money market mutual funds primarily in T-bills.
They even have great UI things where if you are filling something out and need to restart with a different user who has greater corporate powers, all the information is still there and they can just āapproveā the application or submit the form.
Update: itās keeps getting better! Now up to $5m FDIC insurance.
This is pretty niche, but itās the best option Iāve found for making payments in USDT for people in Latin America who operate on TRON due to the low fees.
taxsummaries.pwc.com
Crypto-specific:
(I havenāt used this long, but the DeFi features and UI are head and shoulders above Bitwave and their pricing is significantly better than Cryptio)
DeFi Saver also has a Chrome extension