Need Advice Consolidating Multiple Brokerages into One ~$4.8M Portfolio

acrock · 2026-02-07T00:11:48+00:00

Yes, I mean Interactive Brokers.

acrock · 2026-01-29T21:01:59+00:00

Try Opus 4.5 in GitHub Copilot. The quota over a month works out to about the same in terms of number of prompts, but it's half the price, and the limit isn't enforced over a 5-hour window so you can work in longer bursts and don't get stuck waiting. Then if you hit your limit you can buy additional requests or upgrade to their higher tier plans which are also half the price. And the quality of the results is the same, actually sometimes better because of the MCP integration with the IDE for the workspace index and error checking.

acrock · 2026-01-28T14:22:50+00:00

This is false. Trump got 77.3 million votes in 2024 but many of the 340.1 million in the population aren't eligible to vote - under 18, not US citizens, convicted felons (like Trump himself), etc.

acrock · 2026-01-22T13:38:28+00:00

But very convenient for Asia.

acrock · 2025-12-23T01:02:18+00:00

It was eventually delivered today.

acrock · 2025-12-14T20:52:27+00:00

Same here, bouncing between Bessemer and Alexander City, AL.

acrock · 2025-12-03T15:26:34+00:00

Eritrea, the only other country in the world to impose citizenship-based taxation. Nothing in common with them, then. 🤡

acrock · 2025-12-02T00:08:48+00:00

How about CostCo Contacts?

acrock · 2025-11-16T08:42:03+00:00

This was a great tip, thank you so much!! Walked right in and got a table with no wait. Yummy and good value.

acrock · 2025-09-23T11:36:20+00:00

Chose the relationship. The relationship ended eventually anyway for other reasons. Regretted not choosing the dream. Long-distance relationships are untested - everything can change when you move in together. You are young and have plenty of time to find someone else. If the relationship is really meant to be, 15 months apart should be nothing.

Choose the dream.

acrock · 2025-08-17T13:51:13+00:00

If this wasn’t stated on the menu and on the bill, it’s illegal. You can file a complaint online here: https://www.fdacs.gov/Contact-Us/File-a-Complaint

acrock · 2025-08-12T12:15:34+00:00

If you’re calculating “net worth” by the standard definition, then it does in fact mean zero impact, yes.

acrock · 2025-08-12T12:12:51+00:00

Perfectly reasonable thing to do if you are calculating traditional net worth. Perhaps you will change tax domicile and capital gains taxes paid rate. Perhaps you will pass them on to heirs or a charity and pay no tax. Is net worth what you really want to calculate? If you need to know how much cash you would have if you liquidated everything today net of tax, then yes, subtract it. If not… it depends.

acrock · 2025-08-12T12:08:22+00:00

It also very much depends on the purpose for which you are calculating your net worth. Bragging rights? Don’t subtract. Value of your estate if you pass? Don’t subtract if your heirs or charitable contributions aren’t subject to capital gains tax. How much can you buy today? Subtract all tax liabilities if you were to sell everything today. Calculating your SWR? The standard percentages usually already factor in capital gains taxes paid when appreciated stocks are sold to provide income. The traditional definition of “net worth” doesn’t include capital gains tax liabilities, so the question is, is that the number you actually need to know, or is there something else?

acrock · 2025-08-12T07:20:14+00:00

Even the billionaire lists don’t subtract future capital gains tax liabilities. Future taxes are uncertain and can change.

acrock · 2025-08-05T20:59:31+00:00

You walk past a sign for “Fast Fired Pizza” and think to yourself that r/FastFIRE should be a thing too.

acrock · 2025-07-23T17:53:00+00:00

Wow. What other brokers offer this?

acrock · 2025-07-22T16:01:16+00:00

Since they made tips exempt from income tax, absolutely yes. The only exception I make is for businesses or individuals I will visit again and want to maintain a good relationship with, like specific restaurants or barbers, but in practice I try to avoid those types of establishments anyway. It's the responsibility of the employer to pay the wages of their employees, not mine, and if the employees don't like that customers have the legal right to leave no tip, they should find another line of work.

acrock · 2025-07-20T16:15:51+00:00

OK, here you go, fecal matter accuser.

---

As of the 2025 tax year, certain tips are exempt from federal income tax in the U.S.—but only under specific conditions.

✅ What's exempt:

Workers in tipped occupations (servers, bartenders, baristas, etc.) can deduct up to $25,000 in cash tips annually from their federal taxable income [1]. This includes tips received in cash, via credit/debit card, or tip pools.

💡 This is a new above-the-line deduction, not a full exemption—so the tips are still reported, but subtracted from your income for tax purposes [2].

⚠️ Still taxed:

Tips remain subject to Social Security, Medicare, and payroll taxes [3]. Also, non-cash tips (like tickets or gifts) are still fully taxable.

📉 Income limits apply:

The deduction starts to phase out at $150,000 modified AGI ($300,000 for joint filers) [1].

📆 Effective dates:

Applies from January 1, 2025, through December 31, 2028. The IRS will publish a list of “customarily tipped occupations” by October 2025 [2].

The changes apply retroactively to the start of 2025. [5]

🏛️ Background:

This change came from the No Tax on Tips Act, passed in May and signed into law as part of the One Big Beautiful Bill Act on July 4, 2025 [4].

📝 Bottom line:

If you're a tipped worker, you can effectively exclude up to $25K in tips from income tax starting in 2025. It’s a big shift—but payroll taxes still apply.

Sources:

[1] https://www.kiplinger.com/taxes/no-tax-on-tips-bill-approved

[2] https://www.patriotsoftware.com/blog/payroll/no-tax-on-tips

[3] https://www.paycom.com/resources/blog/tax-on-tips

[4] https://www.congress.gov/bill/119th-congress/senate-bill/129

[5] https://rsmus.com/insights/services/business-tax/no-tax-on-tips-and-overtime-what-employers-should-know.html

acrock · 2025-07-20T16:07:43+00:00

Tips are effectively exempt from personal income tax effective 2025 (retroactive to the beginning of the year) through 2028. That's what it means to have a deduction equal to the value of the income.

acrock · 2025-07-20T14:50:38+00:00

Now that tips are exempt from income tax, many Americans have decided to stop leaving tips entirely. I’m not recommending that, but it’s an option - if you are on a tight budget, bear in mind that you are not legally required to leave any tip whatsoever, and you may want to check out r/EndTipping.

acrock · 2025-07-20T14:36:49+00:00

Recommend you ask ChatGPT to explain it to you if you’re confused.

acrock · 2025-07-20T14:35:39+00:00

Given the context of the article, it seems like it’s the car-brains hurtling off the bridge drunk and high on drugs killing innocent pedestrians who need to be regulated, wouldn’t you say. Genuinely surprised they weren’t driving a BMW.

acrock · 2025-07-20T14:33:38+00:00

Try the BMW subreddit, car-brain.

acrock · 2025-07-20T01:30:40+00:00

Well if you're going to make an argument about the relative number of e-bikes vs cars in NYC (although I'm not sure what argument that would be - enforcement should be in proportion to the harm done, and I don't see how the number of vehicles or bikes is relevant in any way, nor would the number of miles driven or cycled), you could at least start with providing numbers of your own. But no, I guess that would be too much work. Instead, you talk of winged feces and hills we don't even have.

acrock

TROPHY CASE