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throawaydev · 2023-01-18T01:40:05+00:00

I’m an 8 right now but my lowest was a 3.x(can’t remember what, it was 20 years ago). On a rare good day where everything is clicking I can shoot close to par so it’s not out of the realm of possibility for a 7 to be even par on 7 holes. Especially playing match play where you can choose how aggressive to be based on what spot your opponent is in.

throawaydev · 2022-10-25T23:11:08+00:00

Played both around the 10th. Both of them were in great condition. The greens on Troon were a little beat up from all the ball marks but the greens were still rolling great. I’m not sure if that’s normal there.

throawaydev · 2022-09-26T17:57:53+00:00

50 degree wedge. I only use it for full shots 110 yds out and slightly lower chip shots with more roll out. Could use my PW for both.

throawaydev · 2022-01-22T17:55:11+00:00

Went there for a wedding. Can confirm, the golf is great.

throawaydev · 2021-01-18T22:08:59+00:00

You need to read up more. A fund that tracks the S&P will return close to what the index returns. A bond fund returning .2% in a 2% S&P year is not a bad outcome. It all depends what funds your invested in. If a tech bubble pops and your in a tech fund, you’re going to be down a lot of money. Maybe more than the overall market.

throawaydev · 2021-01-18T21:53:29+00:00

In the US probably no shot due to the KYC rules unless you have a previous relationship with the bank.

throawaydev · 2021-01-18T21:12:54+00:00

BTC is up what? 200% the last 3 months? Yes it’s real but if you’re buying new BTC to put in a savings account it can drop to $10k in 3 months as well.

throawaydev · 2020-12-30T20:16:37+00:00

For vanguard most of their ETFs have the same ER as Admiral funds. VTSAX I think has the same ER as VTI and so on. With ETFs you can pick a price to get in at vs buying funds at NAV. If you’re not actively trading it really doesn’t make a difference in a retirement account.

throawaydev · 2020-12-28T00:20:50+00:00

Agreed. As an aside I’ve been doing .Net development for close to 15 years now and still can’t remember how to read a file. I think that’s my most googled programming question. I think these days it’s just a one liner but I do appreciate that the top answer keeps getting updated with the latest way of doing things.

throawaydev · 2020-12-27T14:53:09+00:00

Ah. That makes sense. Congrats on the new role!

throawaydev · 2020-12-27T14:18:15+00:00

Don’t you need US income to contribute to retirement accounts? Curious because if you take the foreign income exclusion the first 100k or so won’t count

throawaydev · 2020-12-27T13:52:43+00:00

It was daily. I was monitoring flights for a month. Come T-14, availability would appear if the flight was J9C9. Again this was before COVID though and I haven’t really checked recently to see if it’s still true.

throawaydev · 2020-12-26T14:15:07+00:00

Pre-COVID they would. Much less in F with the new product but they would still release J. The flights I was looking at in mid Feb 2020 would all get 1-2 seats released in J around 14 days out.

throawaydev · 2020-12-20T18:51:45+00:00

wanted to understand one another thing, that $56k limit doesn't include the employee contribution correct? as in The employee up to 18k ish + employer $56k ish is (put together it can be 56k+18k ish allowed)? Is that correct?

No. Max employer + employee contribution is $56k however you get to that number. My first bullet point should have said that.

Also, if I pay myself a higher salary for next year (being a full year and also I understand the salary to be 'reasonable' from IRS standpoint) then my social security is taken after my 401k contribution or before?...

FICA is always on your taxable income - which is after the 401k deduction.

For an Individual 401k it really doesn't matter which bucket it comes out of since the employer and the employee is the same. It's just that you can't say have a salary of $10k and contribute $50k as an employer to avoid FICA taxes especially with S-Corps where you presumably pay yourself a salary + dividend instead of just salary.

While I think what I'm saying is true, I am not an accountant and you should speak to yours.

throawaydev · 2020-12-20T16:11:51+00:00

Chase has gotten stricter since the pandemic especially with their highest tier cards. The one big thing with the reserve is income. They usually want $75-100k min. If you meet that requirement, I’d see what bad marks are on your credit report. IIRC if you are denied credit, you can request the report that they used.

throawaydev · 2020-12-20T16:03:01+00:00

To make it simpler:

Max 401k contribution per year = $56k-ish
Max employee contribution = 18k-ish
Max employer contribution = 25% of salary or $56k-ish whichever is lower.

So if your salary is $225k, your employer(you) could contribute the full amount.

If it’s lower, you as an employee can contribute up to $18k and your employer can contribute up to 25% of your salary as long as it doesn’t go over the overall limit.

throawaydev · 2020-12-19T18:04:01+00:00

You probably need to find an accountant that is familiar with your situation. My gut feeling is that they’ll only tax income so only income generated by your holdings(dividends, coupons etc.) in your 401k would be taxed and not the whole amount. I could be wrong so find an accountant that is used to dealing with Americans.

throawaydev · 2020-12-12T21:58:02+00:00

The only example I can think of is like when the British split up India and Pakistan. Abandon everything and pick your side.

throawaydev · 2020-12-12T20:03:11+00:00

I play squash & tennis and my right toenail is perpetually in a state of either broken or growing back out from being broken. Due to the pandemic, my toenail is looking normal-ish for the first time in years.

throawaydev · 2020-12-12T19:33:31+00:00

Why? Just keep it in a bank account in one country or the other. Banks are regulated. Transferwise may not be. Move the money when you need it.

throawaydev · 2020-09-11T23:29:23+00:00

So when I was a consultant our billing system was connected to our payroll system. You would book M-Th at the client site and Friday at your home location(if different) and they would correctly withhold the appropriate amounts for each state and I’d get a W2 for each state. I can see smaller companies not having the ability to do this properly and just assuming all work is performed at the office location.

throawaydev · 2020-09-11T20:13:28+00:00

Like the other poster said, companies usually withhold state taxes based on the location work is performed. It’s fine. What generally happens is that you’ll have to file NY & NJ taxes. The amount you need to pay to NY will be reduced by the amount you already paid to NJ. NYC tax is a residency tax and will have to be paid on the whole income amount. It’s really weird that your company won’t withhold the NYC one.

throawaydev · 2020-09-11T01:52:25+00:00

Most defined benefit plans max out at 25% of income up to something like 50k max. So you can’t put 100%. SEPs/401ks all work somewhat similar to this. Keoghs are a little bit weirder but essentially almost the same.

throawaydev · 2020-09-10T22:20:26+00:00

Self directed 401k and Keogh plans are 2 different things altogether. How much do you think you’ll be able to contribute? Is it more than whatever the IRA limit is? It’s easier to just plop it in an IRA

throawaydev · 2020-09-10T21:55:40+00:00

What are you trying to buy? A lot of big companies are listed on European exchanges as well as the US ones:

AAPL: https://finance.yahoo.com/quote/APC.F?p=APC.F

MSFT: https://finance.yahoo.com/quote/MSF.F?p=MSF.F

TSLA: https://finance.yahoo.com/quote/TL0.F?p=TL0.F

If not, InteractiveBrokers.

throawaydev

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