Search found 480 matches

by mervinj7
Wed Aug 15, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 30
Views: 1393

Re: For i401k, Vanguard does not allow investment into Admiral Shares

As a current i401(k) and Roth i401(k) account holder at Vanguard holding most of my entire portfolio in those two accounts, I too am tempted to move them elsewhere due to the fact that Admiral shares are not available. Ever since opening the account, I have felt shortchanged due to the seemingly un...
by mervinj7
Wed Aug 15, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 52
Views: 2224

Re: Take auto loan 0.9% if I can afford cash?

How do people feel about the 0.0% loans that some dealers offer? When we bought our Nissan Leaf, we were prepared to pay cash and negotiated based on that. When we got the finance room, the finance guy offered 0.0% financing and an extra $500 off but wanted to add a bunch of extra stuff (e.g. GAP in...
by mervinj7
Mon Aug 13, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7118

Re: Can I buy a Tesla?

My brother-in-law just ordered a Model 3 to go with his Model S. He says that charging in California is a snap: at work and elsewhere. He only charges at home on rare occasions. +1 We also live in CA. We have free charging at my office, cheap charging at my wife's office, and a L2 charger in our dr...
by mervinj7
Mon Aug 13, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead 3/4 asset implementation for Fidelity/TD Ameritrade/ETrade update?
Replies: 7
Views: 605

Re: Boglehead 3/4 asset implementation for Fidelity/TD Ameritrade/ETrade update?

I believe the Fidelity wiki page lists the 3 ETFs you would use for Total US Market (ITOT), Total International (IXUS), and Total Bond (AGG).

https://www.bogleheads.org/wiki/Fidelity
by mervinj7
Fri Aug 10, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52434

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I see - thanks for this succinct explanation. Has anyone done a study or written a paper on this with current funds that can be referenced? For example a comparison of tax-drag difference between Fidelity Total Market (FSTVX) and Vanguard Total Market (VTSAX) which illustrates an example of the sta...
by mervinj7
Thu Aug 09, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best 529 plan for California, for self
Replies: 5
Views: 334

Re: Best 529 plan for California, for self

That's an excellent option for CA residents. Some folks like to keep all their accounts with one provider and choose to pay a bit more in basis points. For example, the Fidelity 529 has an equity option for 0.11% ER and Vanguard has a 529 with 0.18% ER for equity. NY's 529 has a fixed 0.15% ER for a...
by mervinj7
Thu Aug 09, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Total Market Index Fund on Taxable Account
Replies: 19
Views: 1488

Re: Fidelity Total Market Index Fund on Taxable Account

While ETF's or Vanguard funds are more tax efficient the differences are pretty small when you look at the whole picture. Realize that just because a fund distributes capital gains (and dividends) and you pay tax on these (at favorable rates) if you reinvest the distributions your tax basis increas...
by mervinj7
Wed Aug 08, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52434

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Well here's another dilemma that I have. I have approximately $16,000 in a Roth IRA at Vanguard, invested solely in the International index. Is it recommended that I close this Roth IRA at Vanguard and move it to a Roth IRA at Fidelity and invest in the zero fee fund? I would think there is no down...
by mervinj7
Wed Aug 08, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52434

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

3. The tax efficiency of Fidelity index funds will likely remain worse than their equivalent Vanguard for the foreseeable future . Vanguard has patents to structure their ETFs as a share class of their index funds. That allows them to push out each fund's lowest-cost shares through in-kind ETF rede...
by mervinj7
Wed Aug 08, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52434

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

12 pages of responses here.... Can someone summarize for the simple minded how these funds really differ from the prior Fidelity total market funds? Here are the takeaways in order of importance to me. YMMV 1. For Fidelity's Index Funds, all of their share classes are effectively being merged. For ...
by mervinj7
Thu Aug 02, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52434

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Newbie question here: If a funds ER changes, do existing owners of shares receive that lower ER? Is this uniform across all funds/ETFs and all companies? That's a great point about waiting to withdraw funds from competitor accounts such as SCHB and SCHF - there won't be much lost in the next few mo...
by mervinj7
Thu Aug 02, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2377

Re: Should I buy new Nissan Leaf?

Realize you won't save money on fuel. High electricity prices in CA will negate any savings when compared to a 50 not Prius. If you came from a 25 mpg vehicle, then you save money. For PG&E customers, prices for electricity in CA are based on Time of Use for the EV Rate Plan. For example, we only c...
by mervinj7
Wed Aug 01, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2377

Re: Should I buy new Nissan Leaf?

here is what the purchase would look like: $35K MSRP (10K) Employer credit (7.5K) Federal credit (2.5K) CVRP credit (.5K) PGE credit (2.5K) Old prius sale $12K Net out of pocket With this breakdown, it looks like a no-brainer to upgrade your car. However, the current 2018 Leaf has only a 40kWh batt...
by mervinj7
Mon Jul 30, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2377

Re: Should I buy new Nissan Leaf?

If you typically get a refund, the Fed credit would be $0. At least that is my understanding. People convert from Traditional IRA to Roth, sell taxable accounts with large gains, reduce withholding. Essentially you have to create tax events that get you to owing more tax at tax time. Converting Tra...
by mervinj7
Mon Jul 30, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2377

Re: Should I buy new Nissan Leaf?

My "wife" and I are not legally married, so we file two single-filer returns and we always receive fairly significant refunds. Does this mean that I would want to significantly bump up withholdings in order to ensure that we receive the max federal credit? Would I be able to split the credit betwee...
by mervinj7
Mon Jul 30, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2377

Re: Should I buy new Nissan Leaf?

Do you need 3 cars? If not, how much could you sell the Prius with 130k miles for? $10k? $6k? $2k? Once you consider that and expenses of maintaining a car getting close to 150k miles, it's seems like a no-brainer to get a new Leaf for $13K - trade-in of old Prius. Also, can you breakdown your $12K ...
by mervinj7
Mon Jul 30, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5245

Re: Why dont people sit outside more? And how to deal with bugs?

We've got relatives that live in San Francisco, about 1/2 mile inland from the ocean. It rarely gets over 70 degrees where they live year-round. Maybe they get 15 - 20 days of warmer weather over the course of a year, but it's rarely hot. They don't have air conditioning and I doubt that many peopl...
by mervinj7
Sun Jul 29, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Credit for Electric Car - Interplay with new/refundable Child Tax Credit
Replies: 4
Views: 330

Re: Tax Credit for Electric Car - Interplay with new/refundable Child Tax Credit

I don't know the answer to your tax question but for the purchase of the EV, you may consider getting a lease. For a lease, the tax credit goes to the leasing company and depending on the manufacturer, they may pass some or all of it along to you.
by mervinj7
Fri Jul 27, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2587

Re: Home Addition Finance

I would pay off your student loan debt before considering taking on more debt for a home remodel. Otherwise, it looks like your family member is subsidizing your home wants (not needs, by the way). So that gives you two years to live in your house and decide on which path to take. If you do decide t...
by mervinj7
Thu Jul 26, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[...]
Replies: 8
Views: 977

Re: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[

I'm not that familiar with this situation since it would involve my employer putting in $37k on top of $18k employee contribution (wow, lucky!). However, the IRS does specify that your unmatched employee contributions are returned first. Fixing the Mistake: If contributions for a participant include...
by mervinj7
Thu Jul 26, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone find a better all-in-one bond fund than FTBFX?
Replies: 5
Views: 589

Re: Anyone find a better all-in-one bond fund than FTBFX?

I use FSITX with an ER of 0.045% or 1/10 the ER of FTBFX. I used to add a silver of LQD and HYG (iShares ETFs) to add some corporate bonds (higher yield with slightly higher risk) but I decided to simplify the bond portion of my asset allocation.
by mervinj7
Thu Jul 26, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Wire transfers from internet banks (CapOne 360)
Replies: 12
Views: 1248

Re: Wire transfers from internet banks (CapOne 360)

A year ago, I used CapOne 360 to wire almost $300k to a title company for escrow. However, when I tried to repeat the process today, I got the same error as other users: You are not eligible to make a wire right now. You may be able to send money with a cashiers check, a transfer, or send money with...
by mervinj7
Thu Jul 26, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: GPS tracker app?
Replies: 14
Views: 682

Re: GPS tracker app?

No need for a third party app. Google Maps has location sharing built in. I like Glympse as well but it's time limited. You can set Google Maps for as short as 1 hour or as long as indefinite. Works for both iOS and Android. I haven't noticed any significant drain on battery resources since location...
by mervinj7
Wed Jul 25, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2720

Re: Are laminate floors better-wearing than real hardwood?

We put in real hardwood when we renovated the upstairs of our house; mostly because we wanted a traditional look that would outlast us. However, in our rental unit, we plan to put in a high-quality Luxury Vinyl Plank. Cost-wise, its not that much less for the materials (hardwood is still more expens...
by mervinj7
Wed Jul 25, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you for saving me from Fidelity $$$ advice! Now seeking help.
Replies: 15
Views: 2812

Re: Thank you for saving me from Fidelity $$$ advice! Now seeking help.

There's lots of information regarding investment options at Fidelity on the wiki.
https://www.bogleheads.org/wiki/Fidelity

In your case, I would recommend a three-fund split with FSTVX (Total Market) with ER 0.035%, FTIPX (Total International) with ER 0.1%, and FSITX (U.S. Bond) with ER 0.045%.
by mervinj7
Wed Jul 25, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: big plastic storage containers for pantry
Replies: 10
Views: 760

Re: big plastic storage containers for pantry

Container store (pricey) or Costco (sometimes).
by mervinj7
Tue Jul 24, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity international: one lump or 2 pieces
Replies: 6
Views: 333

Re: Fidelity international: one lump or 2 pieces

Superb, Exit! I did the comparison and the combo has 26 more stocks! 1989 vs. 1963. And slightly lower ER. Very simplistic way, but I like it. Not going to go through every class, country, LC/SC. Done Thanks! Do you also have FTIPX available? I prefer that Fidelity international fund since it also ...
by mervinj7
Mon Jul 23, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 4961

Re: Pay for college with cash flow

I looked into 529s when I first heard of them and the kids were young. I realized they would be counterproductive for our situation: big family, low income, low taxes. If we had any extra available income to save, it should first be directed towards retirement accounts, then our 9.75% mortgage, the...
by mervinj7
Fri Jul 20, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Gift cards: which is "better / safer"? physical or electronic?
Replies: 23
Views: 1238

Re: Gift cards: which is "better / safer"? physical or electronic?

I found a mall gift card when walking around the local mall, good for any store in the mall. I asked at mall lost and found if anyone had reported losing one...no. Also talked to the mall gestapo...no report. I checked the balance online and it had about $200 on it. Owner had not registered so no w...
by mervinj7
Thu Jul 19, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 8783

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

I think you have a lot of good advice in this thread. All of them point to the same path; do not buy your brother's share, sell your own share, and finally reinvest according to your asset allocation.
by mervinj7
Tue Jul 17, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5722

Re: Is expensive olive oil worth it?

I buy in Costco Kirkland Organic Extra Virgin Olive Oil in 2-liter (2 Qt. 3.6 Fl Oz) containers. I only use it in salads; I don't fry. The expiration date is usually at least a year later, and I buy several containers at a time. This oil provides an excellent benefit/cost ratio. Victoria We occasio...
by mervinj7
Tue Jul 17, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5933

Re: Going solar?

Lets see if this works. Here is my quote. You got a quote for $26,800 (before tax credit) for a 4.8 kW system. That comes out to $5.58/ watt. That is extremely expensive. Get some competing quotes (check out energysage.com). For me, in the SF Bay Area, most of my quotes came in under $3.10/W before...
by mervinj7
Mon Jul 16, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy to buy a north los altos house (SF Bay Area)?
Replies: 18
Views: 1889

Re: Strategy to buy a north los altos house (SF Bay Area)?

I just want to note that that's a fact of the past, not necessarily of the future. Already companies have started to move significant operations out of the Bay Area . I know this first-hand because of the influx to Seattle. By buying that much house, you'll be massively exposed to the Bay Area tech...
by mervinj7
Mon Jul 16, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Fidelity Solo 401k: FFNOX or FSTMX to start?
Replies: 6
Views: 512

Re: New Fidelity Solo 401k: FFNOX or FSTMX to start?

In a Fidelity Self-Employed 401k, the Investor Class minimum per fund is reduced to $500. "Initial minimum investments into group retirement accounts such as Fidelity Simplified Employee Pension-IRA, Keogh, Self-Employed 401(k), and Non-Fidelity Prototype Retirement accounts are $500 or higher. The...
by mervinj7
Thu Jul 12, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3830

Re: Auto Tariffs: time to buy?

I don't think people should rush out and buy cars they don't need, but if the tariffs are implemented they will absolutely have an impact on the price of cars, even those not hit directly by the tariffs. Obviously the exact impact won't be known until actual implementation, but the tariffs on washi...
by mervinj7
Tue Jul 10, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3830

Re: Auto Tariffs: time to buy?

I think you read that wrong, 75% of the parts are "Percentage of U.S. and Canadian Parts" "...Toyota Sienna and Honda Odyssey follow closely, with 75 percent of their parts coming from domestic factories." :oops: My bad! I work for an American manufacturer that supplies parts for cars. I'm always a...
by mervinj7
Mon Jul 09, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 3963

Re: WiFi router

After looking at the responses and available options, it looks like I have three general options. 1. Buy a good single router and hope for the best. (Netgear Nighthawk ~$150) 2. Buy a cheaper router to save money and see what happens. (Multiple options <$100) 3. Buy a mesh system. (Tenda Nova MW6 3...
by mervinj7
Fri Jul 06, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5204

Re: How do normal people afford the Bay Area?

State taxes are high, annual vehicle taxes are high, state taxes on investments are terrible, and so forth. It seems very hard for a family to move there unless they have >$300k stable income. CA state taxes are fairly progressive. If you were an married boglehead making $100k/year (median househol...
by mervinj7
Fri Jul 06, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5933

Re: Going solar?

Go to energysage and get a couple of quotes for your exact situation. Your "breakeven" point will vary enormously based on your expected PV Generation, the effective rate you pay for electricity, and the effective rate you get paid for excess electricity (net metering rules). In my particular case, ...
by mervinj7
Thu Jul 05, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106405

Re: To take or not to take delivery of Tesla 3

Well, only if you are sure your destination has a way to charge overnight. How much does a charge cost if you just use a standard outlet in your sister's garage? (Hey sis, can I run up your electric bill, oh and I need to park in your garage too for the cord, so move your car out to the street, eh?...
by mervinj7
Thu Jul 05, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get credit check for landlord?
Replies: 18
Views: 1510

Re: Where to get credit check for landlord?

You are dealing with an amateur landlord. Will you be asked to do your own repairs as well? There are services the landlord can set up like TransUnion Smartmove. The prospective tenant pays the credit/background check fee and gets back info about whether they meet the landlord's criteria, and if no...
by mervinj7
Tue Jul 03, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3977

Re: hybrid or plug-in electric car

As far as your EV is concerned, we just got the 2018 Nissan Leaf and really love it. It's quite affordable and the nominal "150" mile range is suitable for your needs. In reality, however, we generally get about 160-170 miles per "fillup" but that's because we live in a moderate climate area. As far...
by mervinj7
Fri Jun 29, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2882

Re: Are many of you??????

mancich wrote:
Fri Jun 29, 2018 4:41 am
Not anymore. I used to subscribe, but now prefer thewirecutter.com for free.
+1 I also switched from consumer reports to online reviewers like thewirecutter.
by mervinj7
Mon Jun 25, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 59
Views: 4865

Re: Is this solar panel bid reasonable?

I just got two quotes for my home and they were both around $3.80 per Kw. $38,000 before tax credit for 10,000 Kw system. Warranty for panels is 25 years and the system would pay for itself after 5 years. No electricity cost after that. My roof is one-year old and should last another 25 years. I ma...
by mervinj7
Thu Jun 21, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8522

Re: Do you invest in Real Estate ? Why ?

1. Yes. We own a duplex. We live in the larger unit and rent out the smaller unit. 2. We are accidental landlords in some way. We were looking for housing in the Bay Area and found this opportunity. We don't treat it as an investment per se but more as a way to offset the ridiculous pricing of housi...
by mervinj7
Wed Jun 20, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5423

Re: How much car to buy reasonably?

Considering that your avatar is a yellow BMW, you should buy a yellow BMW. Everybody knows Blue is the best color for a BMW. Maybe ;) My wife's dream car when she was growing up in Hawaii was a yellow BMW with a surfboard on top. :sharebeer However, she recently bought a blue Nissan Leaf. Even with...
by mervinj7
Thu Jun 14, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9075

Re: [Looking for ways to reduce taxes and keep more of my income]

w/ $28.5k 401k, $6.8k HSA, $2.6k dep FSA, 2 child tax credits: $82.9k --> 18.7% Child tax credits phase out starting at 110K for couples. The OP will get get nothing. HSAs only make sense if the employer is willing to give you more salary (or make your contributions) for taking a higher deductible ...
by mervinj7
Wed Jun 13, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9075

Re: Getting killed on taxes - any ideas?

What's wrong/different with this estimate? They're in the ballpark, but a bit off, and adding IRA/401k maintains the discrepancy. Federal Tax Calculator Taxable income $409,900 Effective tax rate 21.5% Estimated federal taxes $94,844 Federal taxes withheld $0 We estimate you will owe $94,844 Income...
by mervinj7
Wed Jun 13, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9075

Re: Getting killed on taxes - any ideas?

I changed the thread title to reflect the OP's intent. Thanks, LadyGeek! I think posters were getting far too distracted by the hyperbolic title. I just wanted to follow-up on my worked out tax example from before under different suggested scenarios for 2018. Gross Income: $442k 2018 Federal Income...
by mervinj7
Wed Jun 13, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9075

Re: Getting killed on taxes - any ideas?

Just for clarification, we are not paying $100K in taxes. We paid $112,000 federal taxes on an income of about $442,000. Not a huge difference, but I did want to make that correction, as some are quoting an effective rate of 22%, which is not accurate. Have you recalculated your taxes based on the ...