Search found 2793 matches

by neurosphere
Fri Jan 19, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Tax Forms
Replies: 6
Views: 1043

Re: Vanguard Brokerage Tax Forms

I realize this is a thread from a year ago, but I'm sure this question will come up again this tax reporting year. In fact, it probably already has, I haven't searched. But for non-brokerage account 1099-DIVs, there is this phrase located at the bottom: Please Note: Each specific fund name, NOT simp...
by neurosphere
Wed Jan 17, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust for primary residence
Replies: 12
Views: 1070

Re: Irrevocable trust for primary residence

Are there any malpractice award limits in your state? How much would it cost to buy extra malpractice and umbrella insurance? What are the laws in your state regarding protection of your home or other assets in the event of civil litigation and/or bankruptcy? You may get to keep your home, but you m...
by neurosphere
Mon Jan 15, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12193

Re: IRS announces new withholding tables for 2018

My employer claims that the W-4 filled out for 2017 "expires" in February 2018. They are telling everyone "Give us a new W-4 by February 15, 2018 or we will change your exemption status to single with 0 dependents." I assume you can still fill out as many W-4s as needed over the course of the year,...
by neurosphere
Mon Jan 15, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12193

Re: IRS announces new withholding tables for 2018

forgive me if this has been asked/answered already. Is it expected that this new 2018 withholding tables will remain the same for 2018? I realize a new W4 form needs to be made, and people may need to change how they fill out the form and how many exemptions allowances to claim. But I suppose the ne...
by neurosphere
Mon Jan 08, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 27
Views: 6795

Re: Why are tax-exempt money market yields so high?

Since the last post, the Vanguard NY Tax Exempt has shot up to 1.34%. With NY Taxes no longer being deductible the top rate that a NY tax payer has to deal with with Fed=37%, NY=8.82% abd NIIT=3.8% totaling 49.62%. This makes the 1.34% and effective yield of 1.34*(1/(1-0.4962)) = 2.66%, This is now...
by neurosphere
Tue Jan 02, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?
Replies: 21
Views: 1088

Re: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?

https://www.irs.gov/pub/irs-pdf/p590a.pdf Folks, Straight from the source: Table 1-1.... self-employment income. Hey, don't I get credit for my first post in this thread? see above. :wink: Pub 590-A goes on to further define self employment income: Self-employment income. If you are self-employed (...
by neurosphere
Tue Jan 02, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?
Replies: 21
Views: 1088

Re: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?

One can contribute to an IRA as long as one had sufficient 'compensation'. From publication 590-A: Self-employment income. If you are self-employed (a sole proprietor or a partner), compensation is the net earnings from your trade or business (provided your personal services are a material income-pr...
by neurosphere
Sun Dec 24, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan forgiveness
Replies: 12
Views: 1880

Re: Student loan forgiveness

No time to respond fully now, hopefully will have more time later, but let me make some key points and ask some questions:. -- Which specific income driven plan are you on? Only two allow one to file separate (IBR, and PAYE). REPAYE does not allow this (or rather REPAYE counts spousal income regardl...
by neurosphere
Sat Dec 09, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k w/ Change in Type of Work
Replies: 3
Views: 321

Re: Solo 401k w/ Change in Type of Work

I just recently did something similar, also after asking for opinions on this board, and with lots of help from Spirit Rider. I talked with Fidelity and they helped me file a plan amendment, it's very easy (essentially you just send the same adoption paperwork with a new check box). My two businesse...
by neurosphere
Fri Dec 08, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 7356

Re: CPA: The best profession if you want to make the most money + keep the most money?

I'm a half-time MD and half-time financial planner and tax preparer. Trust me, it's a HORRIBLE HORRIBLE career path to shoot for, from a salary or net worth perspective. Choose one or the other! Did I know you did financial planning? Why do I feel like that's news to me? Is this a new thing? Hmm, n...
by neurosphere
Thu Dec 07, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 7356

Re: CPA: The best profession if you want to make the most money + keep the most money?

But honestly, CPA and MD don't belong in the same sentence when discussing career choices - I couldn't think of 2 more different paths. :thumbsup I'm a half-time MD and half-time financial planner and tax preparer. Trust me, it's a HORRIBLE HORRIBLE career path to shoot for, from a salary or net wo...
by neurosphere
Wed Dec 06, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27067

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

right. so essentially, spray n' pray. put my money into stuff that i know nothing about - and as you mention, that i dont need to know anything about - and because i'm buying everything, with a little luck over the time period i'm "invested" ... hopefully i'll end up with more money in the end. but...
by neurosphere
Wed Dec 06, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27067

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

if there's no point in even asking the questions we'd be staying away from every type of investment and there would be no investment industry. do you know the future of every one of your investments? do you know the SWOT and your personal perspective for every company that's in all of your index fu...
by neurosphere
Wed Dec 06, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27067

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view. but objectively thinking.... what if it's not? The same logic applies to any investment, ever. An investor's job is to explain why bitcoin, TODAY, is a better investment from a risk return st...
by neurosphere
Mon Dec 04, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 2114

Re: Help me understand the ACA Cliff

ln09348 wrote:
Mon Dec 04, 2017 12:53 pm
It all depending on the income. then how do we define income?
We understand that SS is an income? Is dividend/interest an income? Is stock gain an income?
Here ya go: https://www.healthcare.gov/glossary/mod ... come-magi/
by neurosphere
Thu Nov 30, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes
Replies: 6
Views: 974

Re: Social Security Taxes

see if this article makes any sense to you, and if not, come back and ask more questions: https://www.kitces.com/blog/the-taxation-of-social-security-benefits-as-a-marginal-tax-rate-increase/ The summary is that at low (non-SS) income, none of SS benefits are taxable. At higher incomes, it's taxed a...
by neurosphere
Tue Nov 28, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27067

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

I remember a buddy buying Dow Corning at $110, because fiber optics were the "future of the internet" and growth was "unlimited". http://i66.tinypic.com/n64600.png I personally bought at about $80 on the way up, and $70 on the way down. "GLW" was my personal lesson on "I don't know squat about any i...
by neurosphere
Tue Nov 14, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Maybe he doesn't trust you with his account number. :P Touche! :P Yes, I suspect this was, in part, one of his reasons, a general tendency to minimize such such risks. Not from me, but from things like checks getting lost/stolen. If he doesn't trust you with his account number, it doesn't sound fai...
by neurosphere
Thu Nov 09, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 40
Views: 4283

Re: Downloadable Social Security Benefit Estimator (repost)

How does this compare with Quicnen SSO? I've never used Quicken SSO (https://www.quickensso.com), but looking at the website here are some differences: -- Mine is FREE :) Quicken's seems to be $50/year to use -- Mine does not show benefits for your spouse on the same page. You'll have to re-enter s...
by neurosphere
Thu Nov 09, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: TIPS at a young age?
Replies: 23
Views: 1473

Re: TIPS at a young age?

I've had 50/50 TIPS/Nominals for the past 15 or so years. Every year I re-think this strategy when I read that younger people don't need TIPS. But inertia keeps me from making a change. Threads like this re-trigger my deliberations. Now I'm almost 46 and just realized, shoot, I'm not sure I count as...
by neurosphere
Thu Nov 09, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 40
Views: 4283

Re: Downloadable Social Security Benefit Estimator (repost)

Thank you for sharing! I was actually looking for something similar since I haven't worked enough years to get estimated statement from SS with future earnings. But I have a question, should I enter the earnings after or before employer's paid amounts? You enter the earnings which SS uses to calcul...
by neurosphere
Thu Nov 09, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 40
Views: 4283

Re: Downloadable Social Security Benefit Estimator (repost)

Here are the instructions, for those who can't/won't download the spreadsheet. The instructions will allow you to better know what I'm trying to do or have done: INPUTS -- Boxes shaded in Peach can be edited. --Enter a birthdate and actual or estimated earnings. --You have the option of change the d...
by neurosphere
Thu Nov 09, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 40
Views: 4283

Re: Downloadable Social Security Benefit Estimator (repost)

Here is a screenshot of the spreadsheet (blurry due to compression/resizing), with sample data. Enter your birthdate in the upper left, and your earnings in the appropriate age/year (peach cells). If you wish, you can change the default assumptions for future CPI-W and National Average Wage Index ch...
by neurosphere
Thu Nov 09, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 40
Views: 4283

Downloadable Social Security Benefit Estimator (repost)

[Edit April 24 2018: New link to version 3, which now will bold the top 35 earning years] [Edit May 4 2018: fixed COLA calculations for those age 62+] Hi all, I've created an excel spreadsheet which allows one to enter any set of earnings and determine a benefit at any age, and displays the data in ...
by neurosphere
Tue Nov 07, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 44
Views: 5515

Re: Social Security - general question

I would suggest logging into ssa.gov and getting a copy of your SS wages. You can then copy the wages info into this website and get a fairly precise estimate of how much you will get depending on when you stop working and when you claim. https://socialsecurity.tools/app.html That's a great calcula...
by neurosphere
Mon Nov 06, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1834

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

OP's question was about scholarships and whether 529 money could be withdrawn without penalty, right? It sounds like a MD PhD program tuition waiver would count as a scholarship for 529 penalty-free withdrawal purposes. Taxes would still be due on any portion that was considered earnings. In my MST...
by neurosphere
Sun Nov 05, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 44
Views: 5515

Re: Social Security - general question

There is no contradiction. Social security uses two different estimates for future inflation and future wage growth: I'm not sure what contradiction you are referring to? The contradiction I was referring to in my post was that this link (https://www.ssa.gov/policy/docs/rsnotes/rsn2008-05.html) imp...
by neurosphere
Sun Nov 05, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 44
Views: 5515

Re: Social Security - general question

But there is a KEY point to remember. The SS estimates assume ZERO wage growth, and ZERO inflation from today onward. I don't think this is true. This is what the Social Security Administration says... "Estimated benefits are adjusted for economy-wide average wage growth from about the time of Stat...
by neurosphere
Sun Nov 05, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security payouts vs. "estimated benefits" online
Replies: 40
Views: 3129

Re: Social Security payouts vs. "estimated benefits" online

Summary: I now (re)-claim that both the SS annual statements and the "online-calculator" assume zero wage and inflation growth in the default benefit estimates. Another data point. The "online calculator" here (https://www.ssa.gov/planners/retire/AnypiaApplet.html)... This calculator reports the ben...
by neurosphere
Sun Nov 05, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Social Security payouts vs. "estimated benefits" online
Replies: 40
Views: 3129

Re: Social Security payouts vs. "estimated benefits" online

FYI, here was my email to SS (this was within a larger back and forth to a senior administrator where I reported an error in the AnyPia calculations). The person's title is "Supervisory Actuary for Trust Fund Projections" Actually, another question which comes up is, what set of wage/cpi assumptions...
by neurosphere
Sun Nov 05, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Social Security payouts vs. "estimated benefits" online
Replies: 40
Views: 3129

Re: Social Security payouts vs. "estimated benefits" online

The ss.gov site gives me an estimated benefits amount that I can read today. What I'm trying to understand is - is that value on ss.gov today listed in 2017 dollars? YES. The reason is because it assumes NO CHANGE IN CPI, ever. So by definition, if the inflation rate is zero every year. Todays doll...
by neurosphere
Sat Nov 04, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1834

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

If MD-Phd Stipends are not considered as scholarships, I think i will incur a 10% penalty ( in addition to taxes). Will she have expenses for her Md-Phd that can be paid with her 529 ? She will have some sort of scholarship which pays for 6-12 years of tuition (graduate school tuition plus medicati...
by neurosphere
Sat Nov 04, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1834

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

Remember, most fully-funded MD/PHD programs (such as MSPT programs) essentially have two components: 1) A scholarship which covers tuition and fees 2) A stipend which pays for room/board/other #1 can effectively be called a "scholarship" and is not taxable. #2 is always taxable as income regardless ...
by neurosphere
Sat Nov 04, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans: Best to Pay Down or Wait for Forgiveness?
Replies: 33
Views: 2667

Re: Student Loans: Best to Pay Down or Wait for Forgiveness?

I'm 37, have $180,000 in student loans (at around 6.6% interest) and make around $100,000/year (or $90K AGI). Don't forget that REPAYE has an interest subsidy which is independent of loan forgiveness. On a balance of $180,000, interest rate 6.6% and AGI of $90,000, you'll get an annual subsidy of $...
by neurosphere
Fri Nov 03, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 5228

Re: This is why I'm glad I started investing at 23

I'd like to keep working and hope I will. But my tolerance for the day to day: -policy changes -work process changes -org and reporting structure -new director initiatives driven solely because of their desire to "make an impact" -sycophancy (is that a word?) I'll bet that your tolerance for those ...
by neurosphere
Fri Nov 03, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401Ks for self under one EIN? (both sole proprietorships)
Replies: 14
Views: 1065

Re: Two Solo 401Ks for self under one EIN? (both sole proprietorships)

Spirit Rider, you wrote: Maybe it is a little more detailed, a "multiple affiliated employer" plan, which because of controlled group rules is really considered a one employer one-participant 401k plan. And it seems the Fidelity plan agreements already incorporate this into the basic plan, and thus ...
by neurosphere
Fri Nov 03, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401Ks for self under one EIN? (both sole proprietorships)
Replies: 14
Views: 1065

Re: Two Solo 401Ks for self under one EIN? (both sole proprietorships)

Yes, if your wife is "separated" from employment. then she is eligible to do a rollover to any eligible plan. It might be better to actually have either a "your services are no longer required letter" from the business to her or a resignation letter from her to the business. Yes, it looks like I mi...
by neurosphere
Thu Nov 02, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: A tax planning question about the proposed GOP tax plan
Replies: 7
Views: 1224

Re: A tax planning question about the proposed GOP tax plan

jimmyrules712 wrote:
Thu Nov 02, 2017 5:35 pm

I can't ask how the proposed legislation would affect me, even if the impact requires that I take action right now?
That's correct, those happen to be the board rules. And, those rules have proven themselves to be a good idea.
by neurosphere
Thu Nov 02, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are Treasury Bond Fund dividends taxable in NY?
Replies: 6
Views: 849

Re: Are Treasury Bond Fund dividends taxable in NY?

Here is the exact verbiage found on page 16 from the instruction booklet for IT-201 for the 2014 tax filing year: "Dividends you received from a regulated investment company (mutual fund) that invests in obligations of the U.S. government and meet the 50% asset requirement each quarter qualify for ...
by neurosphere
Wed Nov 01, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 71073

Re: Quicken's future direction - a cause for concern

not sure of the problem? I have many admiral share funds (and institutional via 401k) and quicken can easily differentiate by ticker. I assume the "problem" is that converting to admiral shares in Quicken is not straightforward. For me, the cost basis information gets messed up. Not a big deal, sin...
by neurosphere
Tue Oct 31, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 14092

Re: new 401(k) limits announced

CPI-U for the first half of 2017 was 244.076. For September this year CPI-U was 246.819 so it looks like the contribution limits will go to $6k for 2019 unless we have deflation between now and then. Thanks jlcnuke. sscritic nudged me to do some additional math. :D These are the calculations I had:...
by neurosphere
Tue Oct 31, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

BarleywineAndBob wrote:
Tue Oct 31, 2017 12:16 pm
Maybe he doesn't trust you with his account number. :P
Touche! :P

Yes, I suspect this was, in part, one of his reasons, a general tendency to minimize such such risks. Not from me, but from things like checks getting lost/stolen.
by neurosphere
Tue Oct 31, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

OP, I'm very much afraid you have opened a door you didn't want to open. I'd strongly suggest you keep a sharp eye on your checking account balance. Seems like an unnecessary inconvenience to have to deal with such a complicated method of receiving money owed, but not particularly dangerous. I woul...
by neurosphere
Mon Oct 30, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

The issue seems to be either that you are not sure you can trust this particular individual who owes you money, or that you can't trust anyone who owes you money. If the former, what are the reasons? If the latter, it would've been better not to give him the information. good points, Fallible. I ha...
by neurosphere
Mon Oct 30, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

He emailed to say he sent a "test" $1 transfer, and is asking me to confirm that I see this. So you've already given him the information? Yes, I gave it. And then, :oops: maybe I should have paused. But... Wait I think I misunderstood. You are not confirming test deposits. You are just confirming t...
by neurosphere
Mon Oct 30, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Duckie wrote:
Mon Oct 30, 2017 6:06 pm
neurosphere wrote:He emailed to say he sent a "test" $1 transfer, and is asking me to confirm that I see this.
So you've already given him the information?
Yes, I gave it. And then, :oops: maybe I should have paused.

But...
by neurosphere
Mon Oct 30, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I don't understand why he does not want to send you a check. The question is are you willing to send him a check if you owe him money. If the answer is yes, then there is no issue as all the information will be on the check. He stated ACH was "more secure" than paper check. And, I send paper checks...
by neurosphere
Mon Oct 30, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7387

An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Hi all. An individual owes me money. I gave him my address to send a check. Instead he asked for my checking account routing number and account number so that he could send funds via ACH transfer. I have not heard of individuals doing an ACH transfer, but Google tells me that some banks allow this. ...
by neurosphere
Mon Oct 30, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with withholding taxes, help with W-4!!
Replies: 11
Views: 867

Re: Problem with withholding taxes, help with W-4!!

Of course, there is also the problem with our California state taxes, also underpaid. Not sure if their penalty system works exactly the same way, but it might. For California: Generally, you must make estimated tax payments if you expect to owe at least $500 ($250 if married/RDP filing separately)...
by neurosphere
Mon Oct 30, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5599

Re: Someone spoofing my phone number?

Definitely sounds like spoofing. I spoof numbers all the time, actually (for legitimate purposes). I have a phone system at home that lets me enter any outgoing caller ID information I want prior to making a call. When I want to make a business call from my home phone and not have the recipient see ...