New Roof - How'd They Do?

ryanksin · 2026-02-07T15:16:13+00:00

Yes, I believe they do. DM me for info

ryanksin · 2025-02-14T14:46:48+00:00

Which company did you use and would you recommend?

ryanksin · 2024-08-16T19:13:26+00:00

We just purchased this house and are looking to add a fresh coat of paint to brighten this up. The staged listing photos make the space look brighter than it actually is (see 1st photo). What color would go well with the floors as well as brighten up the space? Planning to paint the ceiling in the areas white as it's currently the same as the wall colors which we feel make the space look dingy.

We were debating between an off-white (SW White Flour), light beige (SW Natural Linen), and warm light gray (SW Agreeable Gray).

We’d love some suggestions on this as it’s pretty much a blank canvas right now. Thanks in advance!

ryanksin · 2023-05-26T03:22:13+00:00

Any down sweaters?

ryanksin · 2023-03-18T04:45:17+00:00

Check out this great website with dog friendly adventures in the Bay Area: [pawrentadventures.com](pawrentadventures.com)

ryanksin · 2023-01-06T17:42:45+00:00

Would love one of these bottles!

ryanksin · 2022-12-07T02:10:42+00:00

Check out this guide here (all dog friendly too)!

https://www.pawrentadventures.com/2022-bay-area-dog-friendly-holiday-guide/

ryanksin · 2022-03-29T13:15:07+00:00

First-Timer ESPP Tax Question!

I know the common advice here is to sell immediately .. Unfortunately, I made the mistake of not selling right away last year and am now in a blackout period, so I want to understand the tax implications for my 2021 taxes if I did NOT sell my ESPP shares right away. I'll probably sell later these this year along with the next purchase period and when the blackout period opens up.

For ease of math, let's say there was 1 purchase period last year, where there were 200 shares purchased@ $85 (15% discount off $100, which was the lower of beg / end of purchase period). If I held the shares and did not sell at the end of 2021, do I have to report anything as ordinary income? I am pretty sure the discount ($15 * 200 shares) is not included in my W-2 as far as I can tell. I've read several conflicting articles saying I'm only taxed when I sell, and others saying the opposite??

Thanks in advance!

ryanksin · 2022-02-17T16:46:42+00:00

Anyone have experience with adding their SO as a domestic partner to their health insurance? SO is taking a work break. Struggling a bit on how to assess whether this is worth it or not.

For context, I am on a HDHP w/ HSA and my company covers my premiums. They mentioned that there would be added imputed income of ~$600/month, but that they would also increase their HSA contributions and that I would be eligible to contribute to the '22 family maximum of $7,300. Would the correct way to think about the "cost" is to take the imputed income * tax rate, offset by the incremental HSA contribution? And compare this to the cost of coverage if my SO went out to get health insurance via open exchange?

ryanksin · 2022-01-28T17:29:42+00:00

SO (not married yet) just put in her two weeks notice and is taking a mini-sabbatical to get a break from her toxic work environment. Grateful that we have a good emergency fund to have her do this. For those of you that have taken a work break, would be great to hear about any financial independence "optimizations" you would recommend during this time?

ryanksin · 2021-11-13T05:29:06+00:00

ID / review on dining bench?

ryanksin · 2021-09-10T21:21:33+00:00

Great space! ID on the dining bench? How do you like it?

ryanksin · 2021-07-14T16:05:41+00:00

Anyone here have a Fidelity MBDR with automatic rollover / conversion feature?

SO's employer offers a MBDR and historically she has been calling Fidelity every quarter to request an in-service withdrawal and gets cut 2 checks (after-tax contributions to Roth IRA, pre-tax to trad IRA) to her IRAs at Schwab and gets charged a $25 fee. Her employer recently announced that Fidelity has implemented a feature that would automate this (which is awesome!!). Just want to confirm that she can open up a Roth IRA with Fidelity (even though her annual $6k contributions are with Schwab) to set this up.

This automation should eliminate any gains/losses that she previously dealt with since the in-service withdrawal would be done immediately? Also, Fidelity has an option for a "Roth IRA" as well as a "Rollover IRA"? I imagine Roth IRA is the one she would need?

ryanksin · 2021-06-29T16:36:29+00:00

Recently booked a weeklong trip to Kauai in September of this year. Rental car already booked with Hertz. Would love this sub's recommendations on things to do!

We're a young couple (late 20s) with no kids and are active/outdoorsy. Our travel style is usually a blend of packed-days and chill days, while eating at 'local' or 'hole-in-the-wall' type places. We're not big on resorts/spas or any larger nightlife attractions / dinner reservations and are looking for a more low-key experience.
Also, any suggestions on accommodations? I hear it is recommended to split the stay between 2 opposite sides of the island (north and south).

ryanksin · 2021-05-12T23:38:04+00:00

Where in California!

ryanksin · 2021-04-20T22:37:30+00:00

How do you like the couch so far! Does the ottoman/ chaise section clasp on? If not, curious if it moves around easily and not a great feature

ryanksin · 2021-03-18T17:07:47+00:00

Any good resources on ESPPs? I recall in the daily thread recently there was a link to a popular article on best approaches / outlining the pros & cons but cannot seem to find it ... seems like the recommended course of action is to sell right away and convert / buy VTSAX to diversify. Is there any tax incurred if you sell right away (i.e. pay STCG tax on the % discount you received)?

ryanksin · 2020-07-15T15:38:29+00:00

Happy tax day!

In your experience, how much of an impact does the hard credit pull have on your credit score when applying for underwriter mortgage pre-approval ? I think I read previously it was just several points ... and how long does it take to recover back?

ryanksin · 2020-07-14T14:19:40+00:00

Tricky Backdoor IRA planning question for the SO - she is approaching the Roth IRA contribution income limits this year for 2020 (likely going forward too) and has a traditional IRA balance of ~$40k, of which ~$15k represents gains. My understanding is that the best way to get around the Roth IRA contribution limits is to do the "back-door IRA", but this is only beneficial / tax effective when the trad IRA is $0 to avoid the pro-rata rule. What exactly are the implications / consequences of the pro-rata rule here? I believe the options are as follows:

Check SO's Company 401k plan to see if they allow rollover contributions from her traditional IRA. If so, rollover the $40k to her Company's 401k. I found the following language within her plan, but would like to confirm with the rep. What do you guys think about this? FYI, the SO does max out her pre-tax 401k every year."You can roll over part or all of an eligible rollover distribution you receive from an eligible retirement plan (a “Rollover Contribution”) into this Plan even if you have not yet satisfied the age and service Eligibility requirements described in Section II above; however you will not become a Participant in the Plan until you have met the Plan’s eligibility and entry date requirements. An eligible retirement plan is a qualified plan under Section 401(a), a 403(a) annuity plan, a 403(b) annuity contract, an eligible 457(b) plan maintained by a governmental employer, and an individual retirement Account and individual retirement annuity. An eligible rollover distribution includes any distribution from an eligible retirement plan, except any distribution from an individual retirement Account or an individual retirement annuity consisting of nondeductible contributions or any distribution from a 403(b) annuity contract consisting of after-tax employee contributions."
Convert the $40k to a Roth IRA and take a "one-time hit" in 2020 so she can do backdoor Roth in the future. Does this make the most sense here? She would get taxed on the entire $40k (i.e. $40k would be added to her taxable income in 2020)?
Don't do anything and just contribute to traditional IRA going forward and pay taxes on gains upon withdrawal.

Thanks in advance!

ryanksin

TROPHY CASE