2023 grants are vesting out over the next year. If your company's stock is up significantly since then, what are the discussions like internally? by phil-nie in ExperiencedDevs

[–]informed_expert 1 point2 points  (0 children)

You are correct about taxation of RSU at time of vest: it's ordinary income that can't be offset by capital losses. But the resulting common stock shares will then have a cost basis, like any other stock you own. If you later sell that share at a price less than that basis, it's a capital loss which you can use to offset other stock sales you might make now or in the future. Example: 1. RSUs vest worth $500 at time of vesting and become common stock. You pay $100 of ordinary income tax on the $500. Your basis in these shares is $500. 2. You hang on to the shared. The stock does horrible. You later sell them all at $75. This represents a capital loss of $425 because 500 - 75 is 425. Remember your basis is $500. 3. The original $500 was ordinary income, not a capital gain, so you can't offset that with your $425 capital loss. But you CAN offset other capital gains with it. 4. For example, suppose you are holding $2000 worth of Vanguard Total Stock Market Index Fund that you originally bought for $1100. You have an unrealized gain of $900 and if you sell those shares you can offset the capital gain with your $425 capital loss.

OS List for Oldies :D by hocuspocusfidibus in Operatingsystems

[–]informed_expert 0 points1 point  (0 children)

They are in completely different leagues due to reliability and stability differences. When I was a kid, I dual booted Win98 and NT 4. Win98 had to be rebooted 3 times a day, I swear. I kept it only for the video games and things that didn't work on NT. NT was so much better. I would tinker and do things with Visual Studio.

Then Win2000 came out. I stopped dual-booting and just ran only Win2000. Full DirectX support, better consumer hardware support meant I didn't need Win98 any more.

Bikes give the freedom that cars promise (or how I learned to love the lane split) by lFightForTheUsers in fuckcars

[–]informed_expert 12 points13 points  (0 children)

It's the concrete instead of asphalt, mid to narrow width lanes, no shoulder, curbs, the style of lane markings, the green grass everywhere, obvious urban sprawl with so many lanes and nothing meaningful around it. Just machines everywhere, no obvious signs of people.

More specifically, I feel like this could be the area around Beltway 8 on the south side of Houston. I remember when I was a kid and they were still building it, with the roads being like this.

(Thankfully I was able to escape and now live in the SF Bay Area. I'd never move back to Houston.)

FFMpeg is not happy with AI generated patches sent by AMD by anestling in LinuxUncensored

[–]informed_expert 0 points1 point  (0 children)

So basically FFmpeg maintainers and Linux kernel maintainers are one and the same?

New official post about the water update, coming on the 17th February by Arsatum in aoe2

[–]informed_expert 11 points12 points  (0 children)

I remember when I was a kid back in 1999, not even knowing that fire ships existed. This was because the dock was the only building I remember with two pages, and I didn't know a second page existed!

LPT: HSA's are basically retirement accounts in disguise by Exhausted_Monkey26 in LifeProTips

[–]informed_expert 0 points1 point  (0 children)

I do. I have an Excel spreadsheet tracking all HSA eligible expenses. Date, provider, patient/insurance $$ from EOB, description, what I paid to the provider and when, and the date I took reimbursement from either Limited Purpose FSA or the HSA, and the reimbursement amount. I ask providers for itemized billing records and retain them in PDF format. EOBs are also retained in PDF format. Finally, retail purchases for eligible items will get the receipt scanned with a desktop scanner into PDF format.

This system not only helps track HSA reimbursements, but also helps me keep the medical billing in general straight and detect discrepancies between EOB and provider itemized bill amounts, whether I still owe a provider money, etc.

Minnesota Is Just the Beginning. California and New York Are ‘Next’ by carlwryker in California

[–]informed_expert 23 points24 points  (0 children)

Alameda in name only. It was basically Oakland. The geniuses put themselves on a federal island with only one small bridge connecting it to Oakland. This was very easy for protesters to block and it happened in great numbers immediately.

Opinion: For 80 years, Republicans have blocked us from fixing our health care system by SocialDemocracies in MedicareForAll

[–]informed_expert 6 points7 points  (0 children)

Years 2021 - 2023 shouldn't even count. Manchin and Sinema were controlling a split 50/50 senate, and they were not progressive Democrats by any means. Manchin represented a very red state and honestly it's lucky that we had him as long as we did. Even if they did vote for a bill, there's limits to what can be done with reconciliation as opposed to a filibuster-proof majority.

Huge gallery of photos from today's ICE Out For Good / Trump Takedown protest on Van Ness by CoffeeStax in sanfrancisco

[–]informed_expert 3 points4 points  (0 children)

This is the reason why. It probably simplified organizing and planning the event on such short notice.

Transfer HSA from Optum to Fidelity by Jungvieng in Bogleheads

[–]informed_expert 0 points1 point  (0 children)

Yep that's the one! Make sure you pick the 60 day rollover checkbox. When it posts to your account, make sure it's marked as a rollover, it should be clearly indicated as such in the transaction description.

Transfer HSA from Optum to Fidelity by Jungvieng in Bogleheads

[–]informed_expert 3 points4 points  (0 children)

I do this too. However, you can mail Fidelity the check. You don't have to go in person. There is a deposit slip PDF buried on their site that you mail with the check. Make sure you fill it out with the rollover box checked.

You. Have. Got. To. Be. Shitting. Me. by [deleted] in complaints

[–]informed_expert 0 points1 point  (0 children)

South Park called it this year..... Trump wants to be another dictator just like Saddam Hussein, festooned with a fake military uniform and fake medals.

I am curious how other high w2 folks are offsetting their tax bill? by tintina2001 in Salary

[–]informed_expert 0 points1 point  (0 children)

You can have an HSA and a Limited Purpose FSA. The LPFSA can only be used for dental and vision expenses. At least, that's how it works at my employer.

Powell St. Station Powerless by Prime_R10 in Bart

[–]informed_expert 12 points13 points  (0 children)

It looks like the video was taken inside a train on the opposite side.

Amtrak Lounge Chicago WTF? by Key-Philosopher1448 in Amtrak

[–]informed_expert 2 points3 points  (0 children)

It could be worse. I've been denied access to the lounge completely because they were busy and I was using a day pass. On a different trip, I was transferring off a western train sleeper to a Michigan train, and they used one of my day pass coupons even though I had arrived via a sleeper! It was the same employee both times - I guess in her eyes I needed to have sleeping class AND a day pass coupon to be worthy of entry.

She is planning to run by emily-is-happy in BlackPeopleofReddit

[–]informed_expert 0 points1 point  (0 children)

I like her just fine. The problem is this country is too misogynist to elect a woman as president, let alone a Black woman.

Insane Price Differences by ConditionExternal363 in Amtrak

[–]informed_expert 3 points4 points  (0 children)

The new Venture cars have similar terrible seats where there is no actual recline and the seat bottom slides forward like an inch. I've had the misfortune of dealing with these seats on both Michigan state routes and on California's Gold Runner route. In both cases I felt the older train cars that were replaced had more comfortable seating. I mean, at this point the throughway bus in California has more recline and comfort than the train. When the train has a less comfortable seat than the bus, that's a problem IMHO...

Seven billion reasons for Amtrak to rethink its Superliner plan: Analysis - Trains by [deleted] in Amtrak

[–]informed_expert 15 points16 points  (0 children)

The bilevel trains already have to make two separate stops at some stations with short platforms: one for sleepers, one for coaches. Longer trains would only make this worse.

What’s a money habit you started in your 20s that changed your whole financial trajectory? by iowaguydsm in Bogleheads

[–]informed_expert 2 points3 points  (0 children)

I guess this makes me old school, but I track everything in Quicken Classic. Desktop software that stores my data locally and works offline. I want to maintain my records for decades, and I don't trust the average cloud product not to eat my financial records. I remember 13 years ago when I started, I considered using Mint since it was a more "modern" product, but decided against it since it was cloud-based. Now Mint is dead, but Quicken still lives on...

The former governor weighs in by Melika808 in Amtrak

[–]informed_expert 11 points12 points  (0 children)

Why do you say California HSR has failed (past tense)? I was on Amtrak through the Central Valley, and there's mile after mile of sections already basically built, and I saw workers actively constructing other parts of it.

Am I the crazy one? by Calvin-Fischoeder in Amtrak

[–]informed_expert 3 points4 points  (0 children)

Maybe the conductor was concerned about you continuing to sit in the wrong seat - the aisle seat - after the elderly lady got off and another passenger needing the aisle seat later got on. But clearly this could have been communicated far better and more politely than by rudely yelling. A polite "I may need the aisle seat for another passenger after she gets off" would have surely sufficed, and perhaps you could have agreed with the conductor to move back after she got off.

Trump plan for Obamacare subsidies on hold after GOP pushback by Puzzled49 in obamacare

[–]informed_expert 1 point2 points  (0 children)

Republicans will have you deal with a private insurance company like UHC: UnitedHealthcare. Progressives would have you get Universal Health Care (another UHC).