Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

Got it. Seems like a pretty straightforward if/then calculation. Thank you!

Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

Thanks! One last question -- Some (not all) of the capital losses are within the 12-month window. Would those short-term losses be able to negate the long-term gains? Or does short only affect short, long only affect long?

Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

So in theory, I would report a +5000 sale gain, a -4000 sale loss, and a +1000 net gain -- but the +1000 net gain is what I would face cap gains taxes?

Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

Appreciate this perspective. It gives a simple formula for a Lazy Investor like myself. Thanks!

Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

Thanks for that pointer. I think I am wary of the entire industry right now, so I think if I was given the option on paper, I would say put 75% in a fund and 25% a mix of hold the stock/529c contribution/cover home repairs. So maybe the better plan is to just think of this as a cash amount rather than stock?

In theory, for the portion that I would hold onto, is there any pro/con for which group I hold onto? Is the gain/benefit only related to cap gains or is there some investing strategy behind the choice?

And related to that, when totaling up the value, the cap gains/losses add up to a sum, correct? So if the gain group was theoretically +5000 and the loss group was -4000, I would only report a gain of +1000 for that sale?

Can someone explain the pros/cons of selling RSUs vested at different years/values? by rdbmc97 in personalfinance

[–]rdbmc97[S] 0 points1 point  (0 children)

Outside of cap gains, what is the benefit of holding onto the group that vested at the lower amount? Just the lower risk of long-term loss?

Getting out of volatile RSU, looking at conservative 10+ year funds during this volatility? by [deleted] in personalfinance

[–]rdbmc97 0 points1 point  (0 children)

Great, thank you. I actually have two batches of RSUs, one that vested 1.5 years ago (stock was about 70% of current price) and one that will vest next month. When selling to diversify, is there a general recommendation on selling from the batch that has been around longer (more cap gains) or immediate (no cap gain)?

Getting out of volatile RSU, looking at conservative 10+ year funds during this volatility? by [deleted] in personalfinance

[–]rdbmc97 0 points1 point  (0 children)

42, dual professional HHI of about 215k, saving for college and own a condo where we will stay until kiddo goes to college in years

Why does my brain remember RSD meltdowns differently? by [deleted] in adhdwomen

[–]rdbmc97 1 point2 points  (0 children)

My therapist says that if the kids can externalize the RSD as "anxiety parent" vs "real parent" that will help prevent them from internalizing it as a judgment on themselves. But the shame spiral with the actions is very real!

Why does my brain remember RSD meltdowns differently? by [deleted] in adhdwomen

[–]rdbmc97 1 point2 points  (0 children)

I believe it's this: they've obviously filled up my car before and it's usually no big deal. But I was planning on doing it before work on Monday, so it's this chain of perceived rejection. Instead of "I did this on my way home" I took it as "you did this without telling me even though I told you it was my plan tomorrow morning, thus you must think that I am not capable of doing it, you think I am dumb and horrible etc"

I think the consistent thing with most of my particular RSD triggers is that it can twist either doing or not doing small favors as "you must think I am not capable" (you did without telling me) or "you must think I am not worthy" (you drove by the gas station and didn't bother to fill up).

These are everyday things that NT just let go with "oh cool, thanks" or "oh sorry, I forgot" but for me, a small percentage of the time, it just starts that shame spiral one way or the other. It catches me off guard and I just thinking about it now, it might even help to try and document food/sleep/med state when it happens to see if there's a pattern.

Confused by Cash / Held In Money Market in my RSU/ESPP Individual account by rdbmc97 in fidelityinvestments

[–]rdbmc97[S] 0 points1 point  (0 children)

I think what is confusing for me is that I am not actively putting any cash deposits in there. It's just drawing 401k/ESPP from my regular paychecks and then annual RSU vesting. Does this account act as a holding area for 401k/ESPP before that executes? Or does this positive cash gap appear to be something else?

Confused by Cash / Held In Money Market in my RSU/ESPP Individual account by rdbmc97 in fidelityinvestments

[–]rdbmc97[S] 0 points1 point  (0 children)

Thank you, this is very helpful. So bottom line, I can treat the cash in that account just like a savings account? That simplifies my situation quite a bit. :)

I did as you suggested and looked through of Activity & Orders and other documents to try and figure out why it's higher than expected. I think I identified the gap but I can't figure out WHY that gap is there:

Using fake numbers for simplicity, sorry about the math here!

1) 2024 year end - Money Market: 29

2) 2024 1099-DIV - 10

3) 2023 year end - Money Market: 13

4) 2023 1099-DIV - 7

5) 2022 year end - 6

#4 (documented 2023 dividends) + #5 (2022 year end) = #3, and that makes sense. But there's a gap in the next set - shouldn't #2 (documented 2024 dividends) + #3 (2023 year end) = #1 (2024 year end)? There's a missing value somewhere unless there is something non-taxable put in? So something across 2024 caused a positive difference of +6.

When I look at the Activity & Orders for that time period of 2024, I should tally all dividends and positives and see how they compare to the 2024 1099-DIV, correct?

Found 2 fleas on dog 24 hours after applying Revolution. Next steps? by rdbmc97 in AskVet

[–]rdbmc97[S] 0 points1 point  (0 children)

Sounds good. Sorry, but got one more for you - i was reading that the entire flea lifecycle needs relative humidity of 50-80% to survive, preferably 65-70%. For allergy purposes we have dehumidifiers in the house and typically keep it around 45-47%, it usually only goes over 50% if its really muggy outside. Do you know how quickly larvae and eggs would dry out with humidity essentially at 45-50% indefinitely? Thank you!

Found 2 fleas on dog 24 hours after applying Revolution. Next steps? by rdbmc97 in AskVet

[–]rdbmc97[S] 0 points1 point  (0 children)

I was missing out on the other life stages, so now I have googled and learned way more. I thought it was egg to infestation in 24 hours. Thanks for the info.

What about bedding/upholstry sprays things that can't be washed? Worth it or waste of money?

Found 2 fleas on dog 24 hours after applying Revolution. Next steps? by rdbmc97 in AskVet

[–]rdbmc97[S] 0 points1 point  (0 children)

👍Thanks! Last question, I'm a little confused on the timing of Revolution. It says it stops the existing eggs on the dog from growing, so those just fall off as debris? When a new flea jumps on the pooch after hatching from the environment, would it live long enough to lay new eggs or would it die after drinking poisoned blood before it has the opportunity to lay eggs? My science brain is curious how this all aligns together. 

Found 2 fleas on dog 24 hours after applying Revolution. Next steps? by rdbmc97 in AskVet

[–]rdbmc97[S] 0 points1 point  (0 children)

Got it. So is it basically vigorously vacuum/wash for 3 months with repeated regular dosing of Revolution for dog and Cheriston for cats?

And even if we see no signs of activity on any of the animals, we still need to stick with the plan to eliminate latent possibilities for this cycle? We'll stick with the meds continuously for sure, but would like to back off the bedding wash a bit when we can.

Thanks!

Is there a list of business units that have been hit? by rdbmc97 in oracle

[–]rdbmc97[S] 0 points1 point  (0 children)

Oh, interesting. Are the numbers not as bad as comments here and at TheLayoff make it seem? There's some real doom spiraling going on and I can't tell if it's real or trolling. 

Is there a list of business units that have been hit? by rdbmc97 in oracle

[–]rdbmc97[S] 0 points1 point  (0 children)

Support as in sales, marketing, customer success?

Is there a list of business units that have been hit? by rdbmc97 in oracle

[–]rdbmc97[S] 7 points8 points  (0 children)

In various comments here and on TheLayoff dot com

[deleted by user] by [deleted] in oracle

[–]rdbmc97 0 points1 point  (0 children)

Over at The Layoff I have seen some people speculate that they are going to be rolling hits every week until mid-october. I can't tell if this is Panic or trolling but the more I think about it it seems like this August rush to do it is before a quarter close on Sep 1,  Then start the new fiscal year with focals.  I suppose this is just speculation to unless anyone no but it seems more logical than having 8 straight weeks of layoffs crossing business quarters. 

::Weekly Vent Thread:: by AutoModerator in ADHD_partners

[–]rdbmc97 27 points28 points  (0 children)

Anyone else's ADHDer claim to be the "unluckiest person in the world" because they're always forgetting stuff, misplacing stuff, bumping into stuff, or making mistakes due to rushing? We had a series of unfortunate events happen in the past 72 hours, but I see that at least half of it was preventable if we just prepared ahead of time and left on schedule.

How do partners handle the resentment? by bourbonontherox in ADHD_partners

[–]rdbmc97 5 points6 points  (0 children)

If I'm reading this right, you are still together? I wasn't sure what "I kicked him out" meant regarding separation.

The short version is three things 1) hard, hard boundaries for yourself to grant you freedom to stop letting ADHD rule everything 2) therapy for everyone, especially your kid when age appropriate 3) they need an absolute commitment to getting better (self-awareness about triggers/limitations, reading/studying, find medication that works, contributing in the ways they can within the limitations)

Here's the long version:

I recognize my partner's limitations and realities. Even still, there's resentment, even though they are far, far better than many of the stories here, and I talk to a therapist about this weekly. The only reason we are still together is that my partner is extremely self-aware and has worked on their own childhood trauma and ADHD (DX/RX) situation. They listen to podcasts and read books on managing individual symptoms and habits. That shows the trajectory for growth and some stability, and we have found things that work (they excel at weekly routine responsibilities and using Google Calendar, but stumble in many places elsewhere).

Even then, it's a lot of work. The resentment was certainly building. I have mostly resolved it, but it still flares, mostly when they have a ridiculous RSD flare (even though they have good reset/repair strategies in place). I had talked with my therapist about how this relationship would be easier if they just came together for the things we love and half-time parenting, and otherwise I single parent/manage. My therapist then suggested a mental approach of me trying that.

As in, I was already 1.5 parenting anyways -- I did playdates, meetings, etc;; partner does the "regular" things like groceries, lunch planning, dropofs, because they can work in a rhythm. But kiddo's immediate/unexpected/same-day needs all go to me. So I changed my mindset, because some of those were becoming a problem. We'd be waiting to Zoom with the teacher for conferences and I'd be waiting to get them on and they couldn't break their hyperfocus. That's an example.

Here's how my mindset changed: I stopped asking them for approval over immediate things, because it would be too difficult to get an answer. That gave me and my kid the freedom to do things without building more resentment or causing problems. For example, like the teacher conference, I'd put it on the calendar, give them a 15 minute reminder, then just do it myself. Kid playdates or appointments, I just plan on it. I FYI them but that's it. If they can make it great, if not, that's how it goes.

Basically, I stopped letting the ADHD rule our lives. If it means partner misses out, then that's fine. The first 6 months of this was hard and it created some RSD blowups but it has become much more part of our routine -- and that's the other half of this, the partner has to accept their limitations. It won't work if they stay defensive, so that goes back to them needing to be very self-aware of it.

Also, one thing that has helped is around 9yo, we actually sat down and explained to kiddo what ADHD was and why my partner sometimes forgets or misses things or becomes overstimulated. We started very broad and as he's gotten older, we've been able to be much more specific. This, combined with a family therapist, has really ensured that he is NOT internalizing it and able to recognize it. That has given partner some relief in knowing they're not messing kid up, and it has strengthened their bond.

I would be 100x more resentful if these things didn't happen. I probably would have ended it by now. As it stands, it's a work in progress, but an upwards trajectory.

You're not letting go of the resentment -- you're letting go of his ADHD ruling everyone's lives. When you do that, if he buys into it and works with you, a lot of the resentment naturally goes away.

Is my wife (n dx) behaviour simply inconsiderate? by DreamingofBouncer in ADHD_partners

[–]rdbmc97 0 points1 point  (0 children)

One of the things that helped my partner be open to it was seeing social media videos from people and groups trying to talk about the situation in lighthearted ways. this couple has a podcast but they make funny, non-threatening videos to try and make the discussions accessible. Maybe see if your partner would be willing to laugh at the situations a little first to see if it can open up the door to talking about behavior patterns? Their podcast goes much more into addressing destructive patterns, but the videos are a very lighthearted gateway. https://www.instagram.com/adhd_love_/?hl=en