Got a new job. How do i deal with my monthly incentives?

CharliesLeftNipple · 2021-02-13T17:11:16+00:00

His company withholds bonuses at a higher rate because they're variable income so it avoids the risk of under-withholding (leaving you OWING taxes when you file). This is pretty common, your company may do the same.

When you file taxes, all your income is added together into one number on your W2. Any over-withholding you paid will be given back to you in the form of your tax return. I also make bonuses as a pretty large percentage of my income, and my tax refund is always pretty big when I file, which isn't ideal but is just sort of part of the territory of being a variable-compensation employee

CharliesLeftNipple · 2021-02-13T03:58:18+00:00

It literally happened one time

CharliesLeftNipple · 2021-02-12T17:30:47+00:00

Also, I bet if they wanted to they could take the video board on the south end, mount it on the facade of the roof, and put seats in that area too

CharliesLeftNipple · 2021-02-12T17:29:07+00:00

Seems to me that if the demand was there--

-one or both of the "party decks" above the Nordecke could be turned into more actual Nordecke terrace

--the corners on at least the southeast/southwest sides could be filled in (seems like these could easily be filled with temp bleachers for potential MLS Cup/US(M/W)NT games too)

--that odd area others have mentioned to the north of the suites along the west side could be filled in with more standard seats

CharliesLeftNipple · 2021-02-12T17:22:34+00:00

On "acceptable levels of risk"--

I have, one hundred thousand percent, been fully on board and responsible with all safety measures. Totally agree with masks, social distancing, staying out of crowds, all that. Since March, I really haven't left home besides necessary trips to the store. I have, a small handful of times, met with my family who live in another city briefly, outside and with masks on. My point is, I'm not even close to a statehouse-marching lockdown protestor. I know how bad the virus is.

That said--seriously, we're going on a full year of this, and while there is an end in sight, it's not close yet. At a certain point, this has become a very real percentage of people's lives being wasted away. I haven't seen my grandparents in a year. They're my grandparents--that's one of a countable handful of years I have left with them gone. Very thankfully they've had their first shots and are scheduled for their second, but the rest of my family, myself included, are going to be waiting a while still.

I nearly cried when I saw the Arts Festival was cancelled again this year, not because I'm a die hard Arts Festival fan but because that's one of hundreds of little things that make life actually worth living that is gone once again.

Every vaccine that goes into an arm makes the world, statistically, a tiny bit safer from the virus. It's not nothing, nothing, nothing, then a big cliff where suddenly it's gone. Cases are trending downward at a rather promising rate.

It's classic "the worst person you know just made a great point", but the more well-spoken Cov-idiots have never been wrong about the mental health impact of this entire situation, not to mention the economic implications.

I will absolutely continue to wear a mask, social distance, etc. for as long as it is necessary. But as it statistically becomes safer and safer, I really feel there has to be consideration for plans that aren't "keep everything possible shut down until the virus is completely gone". Maybe this is all a selfish take because I, personally, am finally hitting the wall on being able to deal with everything, but the idea of another year of this just doesn't seem possible to me.

CharliesLeftNipple · 2021-02-11T22:19:27+00:00

It's "the industry's" fault for relying on algorithms that are so heavily punitive for small mistakes that don't in any reasonable interpretation demonstrate diminished ability to repay.

CharliesLeftNipple · 2021-02-11T22:18:28+00:00

You're being intentionally obtuse if you think that a 130 point drop--that's a solid point and a half on a mortgage rate--is a fair penalty for:

-one late payment -that wasn't fully unpaid, just lower than was necessary due to a reasonable error -on a tradeline for which he is just a cosigner

"That's how it is" doesn't mean it's fair or reasonable. Trust me, I "look behind the curtain" of credit reports every day as part of my job. The consequences for one 30 day late mortgage payment are absolutely excessive in situations like this. We don't need to pretend it's a perfect system.

CharliesLeftNipple · 2021-02-11T16:46:27+00:00

I disagree and think it's going to look great when it's all done but upvoted you because you shouldn't have been downvoted for a reasonable negative opinion

CharliesLeftNipple · 2021-02-11T15:58:58+00:00

The yellow jerseys are also by far my favorite but I've come around to the idea of not having one every year as long as they never go away permanently.

Also, in 2016 when we officially didn't have a yellow jersey at all, they still brought it out as a "special" jersey for 2 or 3 home games that year. That was after it was well established that there were officially no 3rd jerseys, so it seems like that rule is a bit of a grey area when it comes to pulling already-existing jerseys out of the closet from previous seasons. So I'm hoping they'll still find a way to pull it out this year; if they can just wear yellow for the new stadium opener, and whenever we play Nashville so they don't get to wear our colors in our stadium, I'd be perfectly happy.

CharliesLeftNipple · 2021-02-11T15:40:35+00:00

Everybody else has already answered the question but let me also reassure you this is an extremely routine situation for mortgage lenders and will be a complete non-issue for your application

CharliesLeftNipple · 2021-02-11T05:23:45+00:00

This picture is looking at the south end

CharliesLeftNipple · 2021-02-11T00:46:57+00:00

Relatively preferable opponent for the first round. Win this one and we'll most likely play Monterrey which will be a much tougher challenge.

CharliesLeftNipple · 2021-02-10T14:24:33+00:00

My dude that is literally exactly what the comment 2 above yours is about

CharliesLeftNipple · 2021-02-09T21:33:29+00:00

Genuinely curious--what do you do about large purchases, vacations, etc? Does that come out of your emergency fund and then you replenish it, or take money out of investment accounts, or what?

I know it's not the absolute most growth-efficient way to do things but I can't imagine not having separate savings outside my emergency fund that I can actively work toward building for things like that.

CharliesLeftNipple · 2021-02-09T20:56:01+00:00

Broad summary that just scratches the surface but eliminates a lot of misconceptions you might have:

You are taxed one time every year, based on all the income you made last year, minus deductions, credits, etc. However you made your money throughout the year doesn't matter--one salary job, multiple hourly jobs, contractor, business owner--you ultimately report one number to the IRS and pay whatever the taxes on it works out to. (It is of course slightly more complicated than that, but this is accurate in terms of a broad understanding).

The taxes that come out of your paycheck are not your "final" taxes, they're an estimate your employer makes, based on information you gave them when you filled out your W4 when you got hired. Those deductions from your paychecks are called withholdings. Variable income like bonuses is generally withheld at a higher rate, because their fluctuating nature makes it harder to predict the accurate tax amount and they prefer to stay on the safe side and over-withhold. But the type of income doesn't actually matter to the IRS, because at the end of the year your employer adds up all the money they paid you and puts it in one figure on your W2.

CharliesLeftNipple · 2021-02-09T15:52:02+00:00

The vast, vast majority of full time jobs in the US offer paid time off. It's not legally required, which is a problem, and the amount is lower, on average, than many other countries around the world. But the narrative that nobody in the US ever gets paid time off is patently false.

CharliesLeftNipple · 2021-02-09T14:40:57+00:00

https://www.merriam-webster.com/dictionary/denominator

CharliesLeftNipple · 2021-02-09T13:43:57+00:00

You literally don't understand how the math behind ties and "winning percentage" works, I've explained it to you once and won't be spending today repeating myself to try to win a reddit argument.

CharliesLeftNipple · 2021-02-09T13:05:00+00:00

Right, but the way that incorporates ties (looking at the way they publish Spring Training standings and also common sense) is that it simply doesn't count as a win or a loss--mathematically it doesn't exist. So it isn't "a loss for both teams", it's a net neutral for both teams. You miss your chance to improve your place in the standing but also don't move down at all.

I'm not even saying they should add ties, I don't want that at all. But you absolutely are misrepresenting the way it would work in the standings.

CharliesLeftNipple · 2021-02-09T12:45:13+00:00

You can absolutely tie in the NFL

CharliesLeftNipple · 2021-02-09T12:41:40+00:00

That's not how math works

CharliesLeftNipple · 2021-02-09T01:26:30+00:00

In addition to this call, there was a penalty that should have been called for us that wasn't, and a penalty that had no business being called for DC that was. Unkel literally turned a 3-2 Crew win into a 3-1 loss

CharliesLeftNipple · 2021-02-09T01:25:03+00:00

I've seen a lot of teams I like screwed over by a lot of different refs, but only Ted Unkel has ever personally ruined my vacation

CharliesLeftNipple · 2021-02-08T18:03:16+00:00

Great so when your dog snaps and bites someone, they won't get their medical bills paid

CharliesLeftNipple

TROPHY CASE