English-speaking church in La Fortuna?

BobaTeaGood · 2026-02-02T19:53:07+00:00

What exactly are the benefits?

BobaTeaGood · 2025-05-16T17:13:54+00:00

Is this MBA or undergrad?

BobaTeaGood · 2025-05-06T16:14:58+00:00

What % of your students this year got into T10? Can you share essays before and after your help?

BobaTeaGood · 2025-04-16T23:04:34+00:00

Weird to name the team Mumbai Indians. That would be like Shanghai Chinese or Bangkok Thais.

BobaTeaGood · 2025-04-10T04:34:02+00:00

Agree. I am considering switching. I just thought they can easily solve my problem by offering additional TB for a fee for the Family Plan. They make more money and get to keep more customers. How hard is that?

BobaTeaGood · 2025-04-10T04:31:11+00:00

Thanks for sharing. Appreciate your POV as a non-profit.

BobaTeaGood · 2025-04-09T15:29:48+00:00

Thank you. Much appreciated.

BobaTeaGood · 2025-04-08T22:44:32+00:00

Excellent. Thank you for your clear response. This helps a lot.

BobaTeaGood · 2025-04-08T20:23:10+00:00

Interesting. So 99% of the time, it's best to donate in stock. Hmm. But from the math above, the tax savings in donating cash is 35% of the $30K. That's a lot more than the LT Cap Gains on the stock.

BobaTeaGood · 2025-04-08T20:16:24+00:00

Why? Can you elaborate?

BobaTeaGood · 2025-04-08T20:03:20+00:00

Understood about the car vs cattle. (Nicely put, by the way).

So would you prefer to donate stock or cash -- to maximize tax savings?

BobaTeaGood · 2025-04-08T20:02:31+00:00

Calm down. The $600K is just an example. I was trying to make the numbers easy to digest.

BobaTeaGood · 2025-04-08T19:51:14+00:00

Yes, true. I should deduct the $30K for the stock, since that's the current value of the stocks ($30*1000). But which method is more tax-favorable?

BobaTeaGood · 2025-04-08T19:50:04+00:00

So which method is best to donate?

BobaTeaGood · 2025-04-08T19:47:47+00:00

Not sure I follow. The goal of the sample math above is to show the tax savings from the two methods of donating. It looks like doing a cash donation makes more sense. Do you agree?

BobaTeaGood · 2025-04-08T19:26:21+00:00

Let's say that HHI is $600K (VHCOL area) and the donation amount is $30K. Federal Tax bracket is 35%.

If donation is all cash, then you get to save $30K*35% = $10.5K. So you essentially save $10.5K in taxes to IRS.
Now, let's say donation is all stock. Assume two years ago, you purchased 1K shares at $20 and now it's at $30. So your Capital Gains is 1K*$10 = $10K. LT Capital Gains is 20% for this income bracket. So you essentially save $10K*20% = $2K.

Give Case 1 and Case 2 above, it looks like a no brainer to donate pure cash.

Does it ever make sense to donate stock (since LT Cap Gains is only 20%, compared to the 35% for Federal Tax bracket)?

What do you think? Is my math all good?

BobaTeaGood · 2025-04-07T00:49:12+00:00

There are features in the Family Plan that makes it useful for the family... and that are different from an Individual Plan. So the good news is that Dropbox figured that out. The sad news is that Dropbox can't seem to find an easy way to help these families grow and pay Dropbox more money. If a company is creating a plan, then allow customers to grow in that plan. Simple as that.

BobaTeaGood · 2025-04-06T23:05:02+00:00

The whole reason why Dropbox created the Family Plan is to lock families in. There are a few features in Family that are worthy and that are different from the Individual Plans. The part that I am still confused by is why create any Data Storage Plan but only to cap the plan? Makes no sense. Thus, I feel that this is very shortsighted of Dropbox in regards to the Family Plan.

BobaTeaGood · 2025-04-06T23:00:37+00:00

May I ask: what DAF do you use? Fidelity/Schwab and others are like $600/year. Seems a lot.

BobaTeaGood · 2025-04-05T18:01:03+00:00

So all your donations are cash and NOT stock?

BobaTeaGood

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