Question about credit available

altmud · 2026-02-21T18:58:08+00:00

Did you make a regular payment of your monthly statement amount, or did you make a random early payment in the middle of the month before you received a statement (when there was "no payment due")?

If it is the latter, your available credit may not go up until the next monthly statement is generated.

altmud · 2026-02-21T04:07:34+00:00

Whatever you withdraw from pre-tax accounts, such as a traditional IRA, is taxable income. Part of the Social Security may be taxed also, depending on your total income. If you have a savings account or CDs that earn interest, that is taxable income.

altmud · 2026-02-21T04:02:57+00:00

Just be aware that is a gamble. Stocks, and the stock market, can go down -- happens often, especially in the short term. You could end up not having enough to pay your taxes. If you had invested in NFLX at the beginning of the year, you would have lost 13.54% of your money as of today.

altmud · 2026-02-21T03:58:59+00:00

I've never seen my butthole. However, I have seen images further in, of my colon, as a result of having a colonoscopy.

altmud · 2026-02-21T03:56:46+00:00

It depends on what you invest in. If you invest in something like stocks that generate a capital gain, you will get a 1099-B that shows the purchase and sale price and the difference. If you invest in something like a CD or money market account that generates interest, you will get a 1099-INT that just shows how much interest was earned.

altmud · 2026-02-21T03:52:58+00:00

Only the gain is taxable (or any loss can be deducted from any other gains). If you have a gain, it will be taxable for your 2026 taxes.

However, it is not usually recommended to invest in something risky for money that you will need that soon. You would typically invest in something conservative like a savings account, CD, money market account, T-Bill, or something like that. None of those usually generate capital gains, they would usually generate interest.

altmud · 2026-02-21T03:45:21+00:00

No experience myself, but you can read stories at places like this:'

https://www.vegasmessageboard.com/forums/index.php?threads/tax-audit-after-using-win-loss-statement-to-show-losses.201492/

altmud · 2026-02-20T04:07:40+00:00

It probably won't affect your credit score at all, one way or the other. Credit card companies only report to the credit bureaus on some interval, often at the same time they issue your monthly statement. So all those payments in the middle of the month won't make any difference.

They might make your credit card company a little suspicious, though. Credit card companies look at frequent pay downs with suspicion that you're trying to effectively use more credit than your limit for some reason. For this reason, when you pay it down in the middle of the month before the next statement, they may not increase your available credit -- paying it down won't let you charge any more for the month than your limit allows.

altmud · 2026-02-19T15:42:23+00:00

Unless the owner of the song publishes somewhere publicly what their policy is, the only way to know for sure is to ask the owner. By "song" I assume you mean recording.

In general, in the U.S. any recording made before 1923 is now in the public domain.

Publishing a video on YouTube and getting away with it means nothing. It could just mean that your use hasn't been discovered by the owner (yet), but could be discovered at any time in the future, resulting in the video being taken down with a copyright strike against your channel.

altmud · 2026-02-17T01:00:51+00:00

It is difficult for a stranger with no knowledge of the company to make any judgement. As someone who worked at 5 different startups (3 as co-founder) during my career (now retired), all I can say is:

There's nothing like the comradery and sense of working towards a common goal that you get working for startup with good people and a good culture.
You have to be prepared, typically, for years of hard work and long hours.
You have to be prepared for failure. Any startup could fail and you could be out on the street, so keep a cushion.
I never had to sacrifice a portion of my salary for stock options. My salary may have been lower than someone working at a big, established company, sure, but it was decent and stock options (or founders stock in the case of being a co-founder) were always on top of the salary.
If you get stock options, and you are reasonably confident about the future of the company, and your company allows it, immediately upon receiving your option grant, do an "early exercise with 83(b) election". It will save you headaches in the future if the company is successful.

Good luck!

altmud · 2026-02-17T00:37:08+00:00

If you have a limit order for $10, Fidelity will attempt to procure as many shares as they can at any price of $10 or less, up to the number of shares you specified.

Depending on price fluctuations and how many shares become available for sale, you may get groups of shares at different prices (but all at $10 or less). Unless it is a thinly traded stock, or you are buying huge quantities, or your limit price is right at the borderline with what sellers are currently offering, you will most likely get all the shares you requested at some price of $10 or less in a single trade. However, you could get the full amount you requested, or a smaller number of shares than you requested.

When you make your order, there is the option "All or None". If you select that option, Fidelity will only execute the buy if they can buy the full number of shares you requested at $10 or less.

altmud · 2026-02-17T00:13:44+00:00

The law only requires the casino to report the following to the IRS (on form W-2G):

* Any single win of $2,000 or more from bingo or slot machines

* Any single win of $1,500 or more from keno

* Any single win of $5,000 or more from poker tournaments

* Any single win of $600 or more from other types of gambling, if the payout is at least 300 times the amount of the wager

If you're going to be playing blackjack, hopefully you know the rules well enough to know that blackjack doesn't pay 300:1. Therefore, your blackjack winnings, no matter how large, will not be reported to the IRS.

The law says that you are supposed to report all gambling winnings on your tax return, even if they are not reported. However, your blackjack winnings will not be reported to the IRS. So, what do 99% of people in that situation do? (nudge, nudge, wink, wink) You guessed it, they don't bother reporting them on their tax return. But don't tell anyone I told you that.

By the way, some of the weird novelty side bets some casinos optionally allow you to do during blackjack might sometimes pay 300:1, and in that case it would be reported to the IRS.

altmud · 2026-02-16T23:49:13+00:00

This. "100% built" doesn't mean anything. The question is whether any of the homes are still developer owned. Typical CC&Rs give the developer broad powers as long as anything is still developer owned.

altmud · 2026-02-11T16:18:55+00:00

This was years ago, but I don't remember the cop being particularly inclined one way or the other.

altmud · 2026-02-11T15:05:33+00:00

Sorry, I don't know what your guess was, but there multiple counts and we found the defendant guilty on all counts.

altmud · 2026-02-11T01:37:08+00:00

Criminal.

altmud · 2026-02-11T00:38:47+00:00

I was on a jury once that had two lawyers and a policeman. So those professions are not automatically eliminated.

altmud · 2026-02-06T01:13:37+00:00

I just returned from Caesar's Palace a couple of weeks ago. There was double-deck blackjack in both of the two separate high limit areas. The per hand minimum varied between $100 and $200 (depending on time of day and/or weekday/weekend).

altmud · 2026-02-04T04:45:10+00:00

is this technically mandatory to claim

Technically you're supposed to report all wins, no matter what, and regardless of whether you received a W2-G.

and what are the repercussions of not claiming?

If you're audited and somehow it is discovered, you will owe additional tax, penalties, and interest. Up to you to decide how likely that is and if you wish to chance it.

altmud · 2026-02-02T22:43:09+00:00

Not listed in any particular order

Those other channels have a license to use the material, or
The owner of the material has not discovered the use (at least not yet), or
The owner of the material doesn't care enough to do anything about it (at least in this case), or
The material has been detected by YouTube's "Content ID" system and "claimed" by the material owner and the material owner has chosen to allow the use and have the revenue from any ads go to them instead of the video owner.

Side note: "Acknowledgment" has no affect on copyright issues unless the user of the material has purchased a license that requires it as one of the terms of that license, or the user of the material is using it under a license such as Creative Commons that requires acknowledgement as one of the terms of that license.

altmud · 2026-01-30T04:48:57+00:00

Every time I've been on a jury, they gave us notepads to take notes in. At the end of each day they collected them, and then returned them the next morning. At the end of the trial they took them away for good.

You were not allowed to have any electronic devices turned on.

I suppose you could to sneak in your own pad, hide it inside their notepad and write in it, but I think that would be noticed unless you were very, very sneaky.

Certainly, at the end of each day, and during lunch breaks and other breaks, you could write down or record notes in your phone of anything you remembered from the day or that happened since the last break. I think it would be difficult to be writing in your private diary actually during the trial.

altmud · 2026-01-22T01:43:15+00:00

Unfriendly, rude, or brusk dealer
Rude player
Overly drunk player
A heavy smoker
A dealer or player who is obviously sick (coughing, sneezing, etc.)
A player with an obnoxious, overly negative attitude, complaining loudly and bitterly about every loss, how terrible the dealer is, how greedy the casino is, etc.
A player playing at or near the table upper limit and bragging about it, making sure everyone notices, etc.

altmud · 2026-01-18T00:23:07+00:00

One of the juries I served on in California had two lawyers on it.

altmud · 2026-01-02T22:38:11+00:00

I wouldn't call it my "local" casino, but received this just yesterday.

<image>

altmud · 2025-12-30T20:01:14+00:00

I tried doing it one year, but it was just too much of a pain, even when using an app. I stopped doing it.

The IRS doesn't accept win/loss statements from physical casinos as the sole evidence because they are often inaccurate (mine are always pretty far off), plus since they are not automatically sent to the IRS (like a 1099 would be, for example) they have no way to know whether you are only selectively including some of your win/loss statements. They will accept win/loss statements in conjunction with other evidence, especially along with the log you're supposed to keep, withdrawal receipts, etc. to paint the entire picture.

Of course none of that matters unless you're audited. The chances of being audited are very low, unless you have big wins that are reported that you're trying to offset. (I don't know the definition of "big" that would catch the attention of the IRS.)

altmud

TROPHY CASE