Bogleheads.org

PVW

Overstock has paid bitcoin bonuses to their employees.
http://www.ibtimes.co.uk/bitcoin-friend ... es-1459424

PVW

IRS considers Virtual Currencies as property.

https://www.irs.gov/uac/newsroom/irs-vi ... y-guidance

PVW

Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them. Take it with you. By this I mean convert your estate value into cash and have it buried with you. Might have to do something elaborate ...

PVW

but you are aware that your employee committed fraud and you have done nothing to rectify the situation. If you do nothing you are aiding in fraud which would make you an accomplice. No, it wouldn't. There is no 'failure to report' law in Illinois that applies to this situation and to be an accesso...

PVW

As mentioned above, your dad has to use the IRS rules to determinewhether you are an independent contractor or an employee: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee If he follows the rules, he cannot arbitrarily pick one vs the ...

PVW

I am not a lawyer, but you are aware that your employee committed fraud and you have done nothing to rectify the situation. If you do nothing you are aiding in fraud which would make you an accomplice.

PVW

If it doesn't need to be that exact size, then aluminum sheet pans (full, half, quarter) are generally very reasonable at restaurant supply stores. But be careful, they can be a bit expensive for name or department store brands.

PVW

pascal wrote:Hindsight bias I suppose.

If you want to cure yourself of hindsight bias, make some predictions now and see how they do in the future. But then I guess there is the possibility your predictions will work out and you can easily mistake luck for skill.

PVW

Almost all "tax efficient" posts and articles point to Federal and state taxes. I have read nothing that refers to SS taxes efficiency (while working as an employee). Is there such a way to have this tax reduced? Trying not to be too political, but I'm happy to pay SS tax. This is one cas...

PVW

MP173 wrote: Is there an arbitration service to take this to, or should I contact a lawyer?

What does GM owe you? They weren't obliged to extend your warranty and they are not obliged to retroactively honor it.

PVW

Why? Is it a showstopper that MNF doesn't start until 8:30pm?? Everything seems to run "late", including the sunrise time. It is hard to explain in words, but every time we visit somewhere in the eastern time zone, things just feel "off." I agree. I lived most of my life in the ...

PVW

If mitigation is needed, how quickly do I need to get it repaired The EPA explains risk in terms of Radon levels and exposure over a lifetime. Given that timescale, as a tenant, I wouldn't be too concerned about a few extra months of exposure. https://www.epa.gov/sites/production/files/2016-12/docu...

PVW

Calculus, and the closely related field of differential equations, are what separate STEM from non-STEM. You don't need precalc to be successful, but I think it would be a shame to remove that opportunity just because some people on the internet said you should give up on helping your kid succeed in...

PVW

I was once billed for 15 minutes of time ($90) for a lawyer sending me a bill... but the bill had nothing on it except that 15 minutes of time for sending me that bill (for no services provided; hadn't talked to him in months). Charged to send me a bill for nothing else but the act of sending an ot...

PVW

I don't want to get lawyers involved In many cases, lawyers can help figure out who is in the wrong, but in this case I agree you probably don't want a lawyer. When it comes to drainage issues, you probably don't want to stick to the letter of the law and, without knowledge of your local laws, it's...

PVW

For an average 69 year old male, you have about a 71% chance of living to age 79. Your average life expectancy is about 15 years and you have about a 28% chance of living to 89. https://www.ssa.gov/oact/STATS/table4c6.html Giving up some income to guarantee your pension payout for 10 years will not ...

PVW

If your other assets are (or will be) significantly greater than the value of this house, I recommend doing whatever feels right - e.g., if you both want to be "invested" in owning a home, then put both your names on the deed and mortgage, maybe you 2 are more comfortable with a landlord t...

PVW

I used to be an avid mountain biker in challenging terrain. The best piece of encouragement/advice I ever got was "learn to love the uphill ride". If your job is technical support, learn to love the incompetent people. They are job security. You will get noticed by both the incompetent peo...

PVW

If you are asking what you would expect to pay for healthcare if you didn't rely on any kind of insurance, then these studies might be useful (but a bit dated). Prudential estimates that from age 65, the average couple would spend about $200K. Which seem reasonable to include in your retirement savi...

PVW

I guess moth balls have pesticides in them that kills the moths. The poison is bad stuff and can kill all kinds of things. See below for links. I will be more careful putting them out to drive away animals. http://npic.orst.edu/ingred/ptype/mothball/regulation.html http://www.colonialpest.com/dont-...

PVW

FWIW- Had a skunk give birth under our sun room. Threw 10 to 15 moth balls under the sun room porch and that night we watched the mother carry two babies, one at a time in her mouth out from under the porch. Also had a racoon move into our boat, and after scattering a bag of moth balls in the boat ...

PVW

No major problem with the amount of the bill. The concern is with the time with the doctor which was 5 minutes (no procedures, only talk, ordered some tests). What are you appealing? This statement indicates you are dissatisfied with the amount of time you spent with your doctor. What do you expect...

PVW

First be sure whether or not she would appreciate a gesture. I know an assistant (who is the brightest star in my sky) that is quite insulted by the special day.

Edited to add: Sorry OP, I didn't mean to attract the pedants and derail your thread.

PVW

RudyS wrote:BUT, I never complained to anyone other than my wife!

I agree with the general consensus that complaining about the boss is bad, but it can be very cathartic, especially if your boss is causing you stress. Find someone you can trust to complain to.

PVW

Another consideration is future inflation rate. A mortgage is an inflation hedge because you are paying off today's expenditures with tomorrow's inflated dollars. If you expect high inflation, then keep a low rate mortgage and vice versa.

PVW

Assuming this is just procrastination and your son will eventually file his own taxes, the IRS won't be too harsh and might provide the right motivation for your son. If your son is evading taxes, then this comes down to parenting advice for any other criminal behavior and each situation and parent/...

PVW

Without knowing the pension benefit, I would value it as 3% of salary. So it's worth about $3K per year.

PVW

The CEO's goal is probably to get in touch with average employees and to find out how they feel about working at your company. Give him what he wants. Prepare yourself (mentally or with notes) to discuss your role at the company and what you like and dislike about your work process. If you have any ...

PVW

If you want to hide the truth, you need a PR firm not a lawyer. Maybe some paid advertisement on Yelp will help improve your ratings.

PVW

Many of the benefits you are asking about are based on company policy, though there might be state laws for items like accrued leave. In any case, the details are probably in your employee manual or other company policy statements. At my company, there are no differences for employees terminating wh...

PVW

I am letting her be as much an adult and as independent as she can be for someone that still has no recognizable way to make a living. gasdoc Most adults in the US don't have college degrees and many of those that do have done it on their own financing, so "no recognizable way to make a living...

PVW

Since there is no indication on your w-2 that this is reimbursement for actual moving expenses, then this is just a bonus. Don't get confused by any mention of relocation or gross-up. They gave you $XX and withheld $YY for taxes. These numbers will be correctly reflected in your w-2 statement and th...

PVW

Your relocation bonus is taxable. But if you itemize, you can deduct actual moving expenses.

In short, the total amount of the bonus is treated like income.

https://www.irs.gov/publications/p521/ar02.html

PVW

I'm curious if, heading into retirement, how many people felt differently than their spouses about the necessary level of income? And if so, how did you reconcile? Because of some job changes and decisions in our 50's we now have two mortgages, and even in retirement don't see being able to elimina...

PVW

While property taxes may feel like a kickback that must be paid for the privileged of owning a home, you actually get something of value (public services) in return for the taxes. These things are part of the value of your home and it's location. When you sell your home, hopefully the value of these...

PVW

Educate yourself from reliable sources. Anecdotal evidence and eloquent opinions are not helpful in making an informed decision about the health of your children.

https://www.epa.gov/lead

PVW

Don't try to game the system.... That's not a fair statement. She's been declining increases she's entitled to for 10 years because she has a big heart. ... If he takes you back to court, trust that the judge is going to be equitable.... That is a fair statement. Sorry, I didn't mean to imply that ...

PVW

Don't try to game the system. Take what's fair. A cost-of-living adjustment is fair. If he takes you back to court, trust that the judge is going to be equitable. If his income has decreased since the last time the judge awarded you child support, then suck it up and take your fair share.

PVW

Any advice? What would you recommend? I don't think I'm going to pursue any legal action against my BIL, though the state may From the information you provided, it is reasonable to believe that your mother has been criminally exploited. While you can decide to not pursue a civil case against your (...

PVW

I'd like to start to introduce the idea that there is another philosophy, that one cannot predict future performance [...] So here's my question: What would you use for succinct but powerful evidence to introduce this idea? User lack_ey provided some good research links in another thread https://ww...

PVW

If your marginal tax rate is the same now as it will be in retirement, there is no advantage or penalty for a backdoor Roth conversion. You either pay taxes now on the conversion, or later on the withdrawal. Taking money out of a traditional/rollover IRA is best done when you are in a low tax brack...

PVW

State and Local Income Taxes You can deduct state and local income taxes. Exception. You can’t deduct state and local income taxes you pay on income that is exempt from federal income tax, unless the exempt income is interest income. For example, you can’t deduct the part of a state's income tax th...

PVW

You can buy annuities with pre-tax or post-tax money. If you buy it with pre-tax money, then all of the annuity payments are taxable as income. If you buy it with after-tax money, then part of your annuity payments are just return of your original investment. Your returned money is not taxed, but an...

PVW

Is there a required holding period? If not, then sell your ESPP stock immediately after purchase and it is basically free money (or free income, because you still have to pay tax on the "free" part). If there is a required holding period, then you are taking on a lot more risk just to be a...

PVW

If your marginal tax rate is the same now as it will be in retirement, there is no advantage or penalty for a backdoor Roth conversion. You either pay taxes now on the conversion, or later on the withdrawal. Taking money out of a traditional/rollover IRA is best done when you are in a low tax bracke...

PVW

blessed wrote:
The back door roth is pretty straight forward, we do it every year.

Why are you doing backdoor roth conversions? I'm not implying you shouldn't, but it's not obvious that you should.

https://www.bogleheads.org/wiki/Roth_IRA_conversion

PVW

[Thread merged into here, see below. --admin LadyGeek] Here is the original article at philly.com http://www.philly.com/philly/blogs/inq-phillydeals/Biggest-insurance-failure-ever-Pa-liquidates-.html Maybe this is the coal mine canary, but everybody already knew the coal mine was filled with methane.

PVW

Thanks for the reply. Not exactly the answer i was looking for but i'll keep looking! Keep looking at the bottom of that link and find http://fairmark.com/execcomp/espp/qualifying.htm There are generally 2 tax considerations on ESPP shares - compensation in the form of the discount you received whe...

PVW

Kaoboj wrote:I know I shouldn't try to time the market.
But I want to, just once.
Hear me out.

Do you know why you shouldn't try to time the market? Emotions can be difficult to ignore, but if you know the rationale behind your investment plan, this will help you overcome your emotions.

PVW

Hi, I am 30 year old who can invest in a Roth this year but next due to a new job with higher salary coming up. My wife and I have a retirement account with real money in it in our respective 401ks. In addition to our joint account we each have our individual play accounts (mine goes to golf, hers ...

Search found 233 matches