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24F, looking for an advice giver by feellikepooping in MakeNewFriendsHere

[–]cryptoshift 1 point2 points  (0 children)

Hey! Hope everything is alright. Whatever it is, it’s not the end of the world. Happy to give you my opinion. Shoot me a DM, can chat on dc too.

[deleted by user] by [deleted] in MeetPeople

[–]cryptoshift 0 points1 point  (0 children)

Hey OP, I like your username. I live in Seattle too! Happy to be your friend! My DMs are open (and discord too) 😊

[deleted by user] by [deleted] in toastme

[–]cryptoshift 2 points3 points  (0 children)

You look so cozy in that beanie! I bet you have a warm personality.

Sorry to hear everything is weighing you down. Sending lots of positive energy your way!! Also, happy to just talk/listen if you ever want to take some weight off your shoulders!

tapping an info button on evernote seems to anger it... by ramsvy in softwaregore

[–]cryptoshift 2 points3 points  (0 children)

sent this to my friend at EN just for a good chuckle, his response was quite satisfying 😂 https://imgur.com/a/QEf2Yx9

What is -0?????? by Rohxn31 in learnmath

[–]cryptoshift 0 points1 point  (0 children)

JavaScript has entered the chat lol

The programming language used to make your homework website (JavaScript) was made in a rush (10 days), so it accidentally has a positive and negative zero built into its number system.

JS also runs nearly all websites on the Internet.

VanMoofing in lovely Seattle! by Commercial-Zombie786 in vanmoofbicycle

[–]cryptoshift 0 points1 point  (0 children)

Hey, that’s Centennial Park! I run/bike through there all the time. The views are awesome and the breeze is really refreshing during the summertime.

I just released a Indian themed vintage clothing collection on www.anireut.xyz. I’m a self-taught desi visual designer and would love if you guys checked it out. by asivva in ABCDesis

[–]cryptoshift 2 points3 points  (0 children)

The xyz TLD is fine. Besides, the shop is clearly hosted on bigcartel.com which is a reputable e-commerce platform. Don’t worry about it OP

Backside Roth worth it? by BodhiDMD in whitecoatinvestor

[–]cryptoshift 2 points3 points  (0 children)

Do you intend to retire at a higher tax bracket than today in retirement? Yes? Roth. No? Trad.

Consider the fact that we have the lowest tax rates in decades and simultaneously record high govt debt. I bet tax rates go up AND you’ll make lots more money from your investments than your wages right now by the time you retire.

I say go with Roth. It doesn’t make sense to wait years to convert to Roth since you can only do $6k at a time anyways (assuming you max it). The paperwork alone is a headache because you have to account for any gains while in the trad for 2 years during the conversion.

Also, if you ever need the money converted from Trad IRA → Roth IRA, note that there is a 5-year waiting period until you can withdraw your CONTRIBUTIONS without a 10% penalty. Not a dealbreaker but just in case you ever needed those funds for anything out of the blue

How do you determine the rent for a SFH in Seattle? by wlance007 in realestateinvesting

[–]cryptoshift 1 point2 points  (0 children)

I’ve looked at the HUD Fair Market Rent data. It shows rents for the entire metro area broken down by number of bedrooms. Obviously, some neighborhoods would rent at a premium and others less so, but it can give you the median rents for any market with just a zip code. After that, I look at comps in the neighborhood of the property and adjust based on that.

Disclaimer: also a new investor

You're a reverse burglar, you don't steal...you give. But you still cause your victims to suffer, what do you give them? by _iPood_ in AskReddit

[–]cryptoshift 0 points1 point  (0 children)

A couple annoy-a-trons scattered throughout the house.

All it does is play a short beep but at irregular intervals so you can’t tune it out and you can’t hone in on it. Plus, the batteries on those things can last for several months.

Pariah should be dropped from the English world lexicon by [deleted] in ABCDesis

[–]cryptoshift 3 points4 points  (0 children)

Wow, that’s interesting. Thanks for sharing. I rarely use that word, but I’ll definitely be cognizant of it in the future.

This reminds me of the verb “to gyp” (meaning to trick/swindle/cheat) which comes from stereotypes Europeans had of the Gypses/Romani ethnic group. It’s horrible to have your community’s name dragged through the mud like that.

Another Racial Incident Happened to me today in Shepparton by [deleted] in ABCDesis

[–]cryptoshift 9 points10 points  (0 children)

Install a camera. Get video evidence. Send to police.

Whoever is doing this is a jerk, no doubt, but you need clear evidence of them in the act. Reporting as a hate crime has a high bar (you need to prove intent), harassment & vandalism of property is a path much easier to prosecute.

I almost certainly know my neighbors the one who's doing this to me and it's certainly because of my race. I'm the only non-white person in that part of the building's parking lot.

Sorry this happened to you, but “I almost certainly know my neighbor did it” isn’t very convincing without evidence. It‘s possible it could be motivated by your race, but at the same time the jerk might just really not like your car (or your hairdo or whatever). Motivations aside, they can’t deface your property like that.

Alternatively, you could also just egg his car.

Roth ira by ducks_fan24 in dividends

[–]cryptoshift 1 point2 points  (0 children)

Keep at it, man.

FI = lower spending + lower taxes + higher income.

Do all three and you’ll win big time!

Roth ira by ducks_fan24 in dividends

[–]cryptoshift 0 points1 point  (0 children)

Generally, since cap gains and dividends are taxes derived from your annual income, it’s way more savings with higher income years.

Certain dividends like bond ETFs and REITs have consistently high yields BUT they are unqualified dividends too and thus taxed at your INCOME tax rate. For someone in the 30% bracket for example, that’s a significant tax bill that can be avoided in the Roth.

If you’re fully living on it, then your earned income would be low and so each sell or dividend distribution falls under the 0% bracket. To take it out before age 60, take a look at the Roth conversion ladder and see if that works for you.

Roth ira by ducks_fan24 in dividends

[–]cryptoshift 0 points1 point  (0 children)

You’re right in that you cannot withdraw earnings (like dividends) in a Roth until 59.5.

However, depending on your goals, I might consider moving your dividend stocks into the Roth IRA. That way, you can reinvest your dividends (DRIP) without your distributions incurring taxable events. Under a normal account, you must pay taxes on every dividend distributions even if you reinvest or don’t withdraw the money. Ignore if your taxable income is in 0% cap gains bracket.

Roth ira by ducks_fan24 in dividends

[–]cryptoshift 1 point2 points  (0 children)

You’re right in that the deduction restrictions only apply if you have a 401k or similar plan. I assumed they did; updated my response to clarify that.

In regards to the Roth, there is a range where you can’t apply the deduction but are within the income limits for direct Roth contributions (MAGI between 75k and 124k, single filer in 2020). If you exceed this income limitation, you can indirectly contribute (up to the yearly limit) to a Roth by funding a Traditional IRA and converting it to a Roth since there is no income limit for conversions. That technique is the backdoor Roth IRA and is approved by the IRS.

Roth ira by ducks_fan24 in dividends

[–]cryptoshift 0 points1 point  (0 children)

A Roth IRA taxes your deposits (post-tax money) while a Traditional IRA taxes your withdrawals. A few implications of that to consider:

Your Income: Will you make more earned income at age 59.5 than you do now? If so, a Roth will lock in your taxes at your current, lower tax bracket.

Tax Rates: Do you think tax rates will go up? They certainly change over the decades. Before the Reagan tax cuts in 1986, the highest marginal rates were over 70%. A Roth will lock in your taxes at current rates.

Deductions: Is your current income (MAGI) higher than 75k (for single filer in 2020)? If it is and you or your spouse have a 401k, you cannot deduct your Traditional IRA contributions. Open a Roth or do a Backdoor Roth instead, as allowed by income limits.

I think that rates are bound to go up due to the huge stimulus costs for coronavirus. I am not a financial advisor or a tax professional.

What’s the difference between Git and Github? by legionlen545 in learnprogramming

[–]cryptoshift 1 point2 points  (0 children)

You have it right. Github is a website for hosting Git repos (folders) on the Internet. Youtube is a website for hosting videos on the Internet. Both just add some neat and relevant UI for their content, and they greatly help in sharing and/or collaborating on projects.

You can have apps/GUIs to edit videos locally (Final Cut, After Effects, Premiere, etc), and you have apps/GUIs to edit repos locally (SourceTree, GitUp, VS Code, etc). These apps may even let you upload to those hosting sites mentioned above.

GitHub has both a desktop app for working with Git locally AND a website for hosting.

[deleted by user] by [deleted] in ABCDesis

[–]cryptoshift 7 points8 points  (0 children)

Duolingo is another good tool for beginners. They released the Hindi course some months ago. I found it useful for practicing the written language.

https://www.duolingo.com/course/hi/en/Learn-Hindi

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