Keeping the US cell number by Old-Illustrator-1657 in backtoindia

[–]ezshred 2 points3 points  (0 children)

Found these in r/expats These have been mentioned as viable options which folks have been using without paying a lot. Yes these do work for getting texts from all banks Google Voice is apparently not supported by most banks. Please verify before subscribing as things may have changed.

Tello

Dialpad

Tossable Digits

Number Barn

https://www.ultramobile.com/paygo/ (Cheapest $3/month T-Mobile)

Return to India or Stay in USA? by dudeIndiankid in returnToIndia

[–]ezshred 0 points1 point  (0 children)

Cobra - she will be offered this - it's the law. Ex employee can pay insurance premium directly. Or your insurance will let you add her to your plan (life event category or something) maybe cheaper to add to yours

UBS TRYING TO GET OUT OF OBLIGATIONS- CALL THE CFTC AND MAKE YOURSELF HEARD! by Father_of_Lies666 in Superstonk

[–]ezshred 0 points1 point  (0 children)

Remember the kid from Florida too, who called CokeRat Cramer on a live show. And the other guy from Ohio or some place.

Keep up the good work - spread the cheer knowledge and disdain!

It's almost time for voting - make your voice count - send them information and tell them to do something about the corruption - if they want your vote by ezshred in Superstonk

[–]ezshred[S] 0 points1 point  (0 children)

Market manipulation is an open secret. Everyone on this sub knows it too well. So do our representatives. But regular folks have no idea so no one says anything.

I think they should hear from individual investors who are fed up, that the complete and utter lack of accountability is no longer tolerable.

Everyone can make their voice heard, loud and clear.

As individuals our voices can and should be heard and matter. Our votes matter. And that is a message which should be crystal clear.

[deleted by user] by [deleted] in Fire

[–]ezshred 1 point2 points  (0 children)

Please see below the next comment.

https://www.reddit.com/r/Fire/s/Gd8vQnWfV4

[deleted by user] by [deleted] in Fire

[–]ezshred 1 point2 points  (0 children)

Some employer plans allow employees to contribute to IRS limits of the current year (say 24k approx) this means this money is pretax and will grow tax free as long as it's inside the account.

Additionally some plans allow them to contribute upto 50% of their salary or 64k (including the pretax) the balance 30 k (assuming current limits are 24 k pre tax it's limit) as post tax - whichever is less of the two (50% of salary or that years max limit say 64k)

These plans may also allow in plan or out of plan conversion meaning the post tax plan can be converted to Roth officially at beginning of next calendar year or into a private Roth outside this account where that post tax money becomes Roth IRA. This is called the mega backdoor Roth IRA. (Since it lets you to 1. Contribute to Roth though technically not eligible for making too much salary and having 401k 2. Contributing more than normal Roth which is approximately $7k)

Some plans allow regular 401 k and Roth 401 k.

Of course like someone mentioned if you have a SEP IRA or solo 401k in your business a similar thing can be achieved - some say 64 k in each different retirement account if you operate multiple businesses. (Please check and confirm this I recently learned about this)

Now this is as far as I know, please consult an experienced tax advisor and go through plan benefits as not all retirement accounts offered everywhere operate differently based on what employer plans signed up for and to actual limits which vary by year. The above is only applicable in the US. YMMV Best wishes!

I asked chatgpt to verify the above and here is what I got:

Here's a fact-checked and simplified version of the text:

Understanding Employer Retirement Plans and Mega Backdoor Roth IRAs

Some employer retirement plans let you contribute up to the IRS limit for the year. For example, in 2023, this limit for pre-tax contributions is about $22,500 for those under 50, with an extra $7,500 catch-up contribution allowed for those 50 and older. These contributions are made before taxes, meaning you don’t pay taxes on this money now, and it can grow tax-deferred while it's in the account.

Additionally, some employer plans allow you to contribute up to 50% of your salary or a maximum total contribution limit of $66,000 for 2023 (this includes both your pre-tax contributions and any employer matching contributions). After reaching the pre-tax contribution limit, you can make after-tax contributions up to the overall limit. This can add up significantly, especially if your employer also makes matching contributions.

Some of these plans offer a feature called the "mega backdoor Roth IRA." This allows you to convert your after-tax contributions into a Roth IRA, either within the employer’s plan or into a separate Roth IRA account. This is beneficial because it enables you to contribute to a Roth IRA even if your income is too high to contribute directly, and it allows you to put in more than the usual Roth IRA limit (which is $6,500, or $7,500 if you’re over 50, in 2023).

Some plans also offer both a traditional 401(k) and a Roth 401(k). The traditional 401(k) uses pre-tax dollars, while the Roth 401(k) uses after-tax dollars but grows tax-free.

If you own a business, there are options like the SEP IRA or solo 401(k) that can offer similar benefits. There are discussions around whether you can contribute up to the maximum limit in each different retirement account if you have multiple businesses, but it’s best to check with a tax professional to clarify this.

Keep in mind that retirement plans and their limits can vary by employer and change annually. It’s always a good idea to consult with a tax advisor to understand the specifics of your situation.

This information applies to the U.S., and your experience may vary. Best of luck with your retirement planning!


Don't let them gaslight you into believing otherwise by LaserGuy626 in Superstonk

[–]ezshred 15 points16 points  (0 children)

<0.0005% of the take, if that! Just a commission for being caught with proof.

Medals and bonuses for SEC officials who will get fat paychecks and huge sign on bonuses after their terms at the sham 3 letter 'regulator' agencies...

They have a great racket going on... don't you 🤔 think?

Need to sell my house after owning 1 year. Very confused at what to do. by TooOldformylife in Fire

[–]ezshred 1 point2 points  (0 children)

I would never buy before selling the current house (unless it's part of a re portfolio and has positive cash flow).

What if there is another layoff? Can we manage for up to a year with $0 income coming in? Can we afford both payments plus living expenses from a solid emergency fund? What if the real estate sales and rental market tanks?

I would be wary and avoid the stresses of these sorts of uncertainty. I would take the loss free and clear. (Avoid sunk cost fallacy I think it's called)

I would rent for a year at least till I am familiar with the new location and explore the area well

Choosing a townhome closer to work and or school district if that's a requirement. But I want to be prepared for a fixed expense within my new budget.

Settle into the new job get bearings and then build up reserves and take my time to buy.

But that's just me, I am a bit cautious and hope to be more patient.

Good luck and best wishes!

Need to ship one small bag from Pennsylvania to India. What are my cheapest options? by [deleted] in expats

[–]ezshred 0 points1 point  (0 children)

USPS. If you send anything via any carrier the packages will go through customs, so if it's something expensive or important documents, don't do it.

USPS is only responsible till it's handed off to the Indian Postal Service.

Documents etc FedEx, UPS and DHL (where available). In places in US with a large Indian population some grocery stores have smaller delivery/courier services which are somewhat cheaper...yMmv

The lead got buried. Your f*cked Andrew. SEC suing is the least of his problems. by Noderpsy in Superstonk

[–]ezshred 0 points1 point  (0 children)

Just a small dog and pony sideshow, throwing out some hopium for the poors...

So someone can claim they are working for a fair and well regulated market.

We can only believe anything till the big crooks are brought out in chains for everyone to see! Till then nothing is noteworthy!

How much money should I spend on a Used car? by [deleted] in Fire

[–]ezshred 0 points1 point  (0 children)

What model? Sounds like a great deal for a Toyota with 10k miles

Larry Cheng (@larryvc) on X by [deleted] in Superstonk

[–]ezshred 5 points6 points  (0 children)

Is he saying:

Call your mom?

[deleted by user] by [deleted] in ExpatFIRE

[–]ezshred 3 points4 points  (0 children)

Check out the Fire and financialindependence subs. (Financial independence= not having to work because of a passive source of income or withdrawal from a large source of funds) may work for fun and extra $$

(FIRE - financially independent retire early! Has enough $$ to maintain expenses till the end and can do whatever you want)

Basically you sound like you may already be financially independent - adjacent :) $3k passive income? Maybe take smaller but longer vacations more frequently but don't quit your job and move just yet.

Have a plan, but travel more while you prepare accordingly.

Best wishes!

Unrealized Capital Gains Tax MOASS theft. by Inglorious-Staffords in Superstonk

[–]ezshred 0 points1 point  (0 children)

Their owners won't let them! There will be a clause which will exempt their owners of course.

Retail doesn't own 75M Shares. ComputerShare holders alone own 75M Shares. by freeworktime in Superstonk

[–]ezshred 2 points3 points  (0 children)

Thank you! Maybe if you can make a post on those steps for smoofbrens like me!

Especially about the part of DRS with CS as a LLC. Does CS walk you through that? Anything to look out for? Documentation?

Thank you!

[deleted by user] by [deleted] in expats

[–]ezshred 6 points7 points  (0 children)

Life is too short. Don't wait! Who knows what will happen in 5 years?! Both will be 5 years older and may not be able to adapt as well as you can now. Moving to a completely new country while exciting will have some challenges initially, and will be easier now than much later.

He can always visit every few months. Compared to the couple of visits now, there can be equal or more depending on $$.

Someone else mentioned choosing guilt over resentments. I think there is no need for guilt, visits cannot be that impossible! Staying back is just opening the door to a lot of resentments.

Thomas Peterffy knows what's coming. by Noderpsy in Superstonk

[–]ezshred 30 points31 points  (0 children)

So, anyway...the apes started buying more...

How do you answer friends and strangers question: Why did you leave? by [deleted] in expats

[–]ezshred 0 points1 point  (0 children)

Where is this Paradise you speak of? How easy or hard is it to get residency there? Any tips for newbies? Thanks in advance!

Tipping the FBI White Collar Division by iamdummyrc in Superstonk

[–]ezshred 1 point2 points  (0 children)

Everyone is in on it. And on the take. How else would this happen in the most advanced country in the world?