|
Hoodwinker posted:Credit card bill just arrived. It has my last name on it and my dogs first name...... If that dog doesn't get his act together then when he retires he will be eating nothing but... Oh.
|
#
?
May 14, 2018 22:30
|
|
|
|
| # ? May 30, 2024 00:46 |
|
|
Hoodwinker posted:Credit card bill just arrived. It has my last name on it and my dogs first name......  
|
|
#
?
May 14, 2018 22:44
|
|
|
Someone actually came to what is probably the right conclusion, someone hacked a database at his vets office to get the names and addresses. I can't think of anything else aside from a friend or something. Hilarious though, and reminds me of the time I got a credit card statement with my name on it, but for someone who lived in Idaho, while I was living in Iowa. Never showed up on a credit report, so I forgot about it.
|
|
#
?
May 14, 2018 22:50
|
|
|
that's market research you can take to the bank
|
|
#
?
May 14, 2018 22:50
|
|
|
Use the credit card to buy a higher quality dog.
|
|
#
?
May 15, 2018 00:51
|
|
|
Asimov posted:Use the credit card to buy a higher
|
|
#
?
May 15, 2018 01:01
|
|
|
BEHOLD: MY CAPE posted:Unless you are an accidental landlord who is forced to rent your primary residence or inherited a portfolio properties or something, nobody is in the business of rental properties except to make money. And like I said, if you're not trying to maximize your returns, why are you acquiring rental properties in the first place instead of investments that are a lot easier to deal with, don't require bookkeeping or administrative chores, involve virtually zero time commitment, don't require cash outlays, don't involve financing, are completely liquid, and treated on a favorable tax basis (in the United States)? My index funds have never called me at 2 in the morning telling me that water is spraying out of the dishwasher. If you want exposure to real estate but don't care enough to maximize your investment returns then why not just divorce yourself from all of the hassle and own REIT shares? Even better do it in your IRA or 401k tax free. Maybe some people are just fixated on the value of a tangible physical asset, don't care to participate in equity markets, or derive genuine pleasure from selling housing to others. Weatherman posted:Not everyone is trying to beep-boop minmax their bank account, dude. I should have thrown more beeps and boops in there, it seems.
|
|
#
?
May 15, 2018 01:08
|
|
|
Weatherman posted:I should have thrown more beeps and boops in there, it seems. I’m sorry I thought this was the BWM thread not the socially conscious housing to earn lower profits thread.
|
|
#
?
May 15, 2018 02:42
|
|
|
A timely article about landlords and rent control: https://www-m.cnn.com/2018/05/14/us/new-york-apartment-rent-control-actress-trnd/index.html Lady paid $29 a month for a 2 bedroom apartment in NYC for 60 years where other rentals were going for as much as $5k. Granted, it hadn’t been upgraded in all that time so it didn’t even have a shower or real heater. Instead she used her 2 fireplaces. Are 2 fireplaces common in NYC apartments?
|
|
#
?
May 15, 2018 02:55
|
|
|
Krispy Wafer posted:A timely article about landlords and rent control:
|
|
#
?
May 15, 2018 03:05
|
|
|
Krispy Wafer posted:A timely article about landlords and rent control: quote:In March, O'Grady was taking a walk near her home when she was struck by a car and killed. 10-1 odds the landlord was driving the car.
|
|
#
?
May 15, 2018 03:11
|
|
|
Krispy Wafer posted:Are 2 fireplaces common in NYC apartments? I have two in Brooklyn but neither work. Not so common to find ones that you can actually burn wood in.
|
|
#
?
May 15, 2018 04:11
|
|
|
Haven't filed taxes for the past 7 years, how much trouble am I in, and whats the best option to file taxes for a digital small business owner? https://www.reddit.com/r/personalfinance/comments/8jid1r/havent_filed_taxes_for_the_past_7_years_how_much/ quote:I've never filed taxes before. I've been living outside of the US for these 7 years, but I stupidly only recently learned that doesn't exclude me from US taxes. I think for many of those years my income was below the threshold to file, but it might have been above it for some of the years. It will be incredibly difficult for me to check that though, since they were foreign bank accounts I don't have access to anymore.
|
|
#
?
May 15, 2018 04:23
|
|
|
Krispy Wafer posted:A timely article about landlords and rent control: Gosh, those landlords and the executor of the estate must have been mentally ill not to find a way around the rent control laws and make $MARKET_MAXIMUM from the tenant. I mean, there's literally no other reason they would be so bad with money.
|
|
#
?
May 15, 2018 04:37
|
|
|
howdoesishotweb posted:I’m sorry I thought this was the BWM thread not the socially conscious housing to earn lower profits thread. Wait, what's the difference?
|
|
#
?
May 15, 2018 05:01
|
|
|
Motronic posted:Haven't filed taxes for the past 7 years, how much trouble am I in, and whats the best option to file taxes for a digital small business owner? I hope this guy has a lot of money set aside because he's going to owe tens of thousands.
|
|
#
?
May 15, 2018 05:41
|
|
|
sleepy gary posted:I hope this guy has a lot of money set aside because he's going to owe tens of thousands. Doesn’t that depend on what he’s paid in tax to the country where he’s resident, and what tax treaty is in place?
|
|
#
?
May 15, 2018 05:46
|
|
|
Subjunctive posted:Doesn’t that depend on what he’s paid in tax to the country where he’s resident, and what tax treaty is in place? Yes, but only partially at his income levels for the past 2 years. The US lets you either deduct your foreign income taxes paid -or- exclude your foreign income (whichever is better for your whole tax situation), but the limit for this is around $100k. For his income above $100k he will owe US Federal income tax on top of whatever foreign taxes he has paid. Additionally, he will owe penalties for non-filing or late filing, plus interest on any taxes he owes to the US. edit: You can maybe still deduct the foreign taxes above the $100k exemption but you still have to pay US taxes on the income. I don't make that much so I don't have firsthand experience of that part.
|
|
#
?
May 15, 2018 05:51
|
|
|
at long last, i have found the true path and the way, the grand method of action it is said that grothendieck grouped his great mathematical discoveries by calling them yoga. the etale cohomology. the grothendieck-riemann-roch theorem. the topoi.  (aside: denouncing your former professorship, writing entire shelfs of books of incredible crazy, moving to the pyrenees and relying on the villagers to save you when you try to eat only dandelion soup, deffo bwm but inexplicably good with math) bob dobbs is dead fucked around with this message at 06:05 on May 15, 2018 |
|
#
?
May 15, 2018 05:53
|
|
|
I must admit, this is the last place in the world I ever expected to find even a casual Grothendieck reference, much less a callout to etale cohomology.
|
|
#
?
May 15, 2018 06:01
|
|
|
is it that obscure you couldnt throw a brick at my undergrad without hitting a goddamn algebraic geometer i just do neural nets nowadays in the dark data mines and i still remember like 5% of that poo poo
|
|
#
?
May 15, 2018 06:04
|
|
|
sleepy gary posted:Yes, but only partially at his income levels for the past 2 years. The US lets you either deduct your foreign income taxes paid -or- exclude your foreign income (whichever is better for your whole tax situation), but the limit for this is around $100k. For his income above $100k he will owe US Federal income tax on top of whatever foreign taxes he has paid. The only tax treaty I’m personally familiar with is between the US and Canada, which permits a US taxpayer to credit tax paid to the CRA against tax owed to the IRS. It’s not a deduction from taxable income, it’s a credit against tax owed under US taxation rules. I used that treaty for several years to avoid double taxation, and it works as designed. From skimming the IRS explanations, the treaties with other countries operate the same way to prevent double taxation.
|
|
#
?
May 15, 2018 06:05
|
|
|
Subjunctive posted:The only tax treaty I’m personally familiar with is between the US and Canada, which permits a US taxpayer to credit tax paid to the CRA against tax owed to the IRS. It’s not a deduction from taxable income, it’s a credit against tax owed under US taxation rules. I used that treaty for several years to avoid double taxation, and it works as designed. I could be misunderstanding how it's handled when "deducted". I pay more taxes in the foreign country than I would with the same income in the US, so maybe it's a credit and not a deduction.
|
|
#
?
May 15, 2018 06:10
|
|
|
sleepy gary posted:I could be misunderstanding how it's handled when "deducted". I pay more taxes in the foreign country than I would with the same income in the US, so maybe it's a credit and not a deduction. Yes, that’s what happens. From the Canada/US treaty: quote:In the case of the United States, subject to the provisions of paragraphs 4, 5 and 6, double taxation shall be avoided as follows: In accordance with the provisions and subject to the limitations of the law of the United States (as it may be amended from time to time without changing the general principle hereof), the United States shall allow to a citizen or resident of the United States, or to a company electing to be treated as a domestic corporation, as a credit against the United States tax on income the appropriate amount of income tax paid or accrued to Canada
|
|
#
?
May 15, 2018 06:11
|
|
|
bob dobbs is dead posted:is it that obscure Most people couldn't name a single algebraic geometer, weirdly enough. I can but he's my dad so.
|
|
#
?
May 15, 2018 06:16
|
|
|
wait, alexander grothendieck is your dad?
|
|
#
?
May 15, 2018 06:18
|
|
|
Tenant Chat: Bad tenants can be extremely bwm, we had a few stories back when potential buyers turned into tenants and created all hell. If you have good tenants do what you need to do to keep them. The month or two of vacancies for a tenant transfer can totally wipe out any potential gains from a rent increase, along with the risk of new tenants being assholes.
|
|
#
?
May 15, 2018 06:19
|
|
|
bob dobbs is dead posted:wait, alexander grothendieck is your dad? Oh ho ho no. My dad is a different algebraic geometer.
|
|
#
?
May 15, 2018 06:21
|
|
|
An algebraic geometer dad? In this subforum? In this lengthy thread? Confined entirely to silvergoose's posts?
|
|
#
?
May 15, 2018 10:17
|
|
|
NNNEEERRRDDDSSS https://www.doversaddlery.com/credit-card-info-page/a/401/ It's a credit card, but for horses.
|
|
#
?
May 15, 2018 12:55
|
|
|
Silvergoose has a cool and good mathdad
|
|
#
?
May 15, 2018 15:13
|
|
|
https://twitter.com/MarketWatch/status/995381403830243328 I'm guessing the % of 35 year-olds who can say this is vanishingly small.
|
|
#
?
May 15, 2018 17:35
|
|
|
axeil posted:https://twitter.com/MarketWatch/status/995381403830243328 For real. I have friends who rob their 401k when they have an "emergency" like buying a new car or going on vacation. They are never, ever going to retire.
|
|
#
?
May 15, 2018 17:45
|
|
|
That metric is bullshit anyway because there's a strong chance you'll be increasing your salary between 30-35. So while double your 30 year old salary might be doable, double your 35 year old salary could be hilariously unlikely.
|
|
#
?
May 15, 2018 17:47
|
|
|
Hoodwinker posted:That metric is bullshit anyway because there's a strong chance you'll be increasing your salary between 30-35. So while double your 30 year old salary might be doable, double your 35 year old salary could be hilariously unlikely. This isn't widely true, largest salary increases come in your 20s unless you're in a career that had very long training like an MD, PhD, or JD. That metric is also harder for those guys because you're likely still paying off medical school debt through your 30s, even though you're earning $200-350k.
|
|
#
?
May 15, 2018 17:53
|
|
|
Twerk from Home posted:This isn't widely true, largest salary increases come in your 20s unless you're in a career that had very long training like an MD, PhD, or JD.
|
|
#
?
May 15, 2018 19:06
|
|
|
axeil posted:https://twitter.com/MarketWatch/status/995381403830243328 Considering most Americans don't even have 500 bucks put aside for emergencies, it's hilariously tone deaf to just say "well, reality be damned, this is how it ought to be". Also, too bad they mean annual salary.
|
|
#
?
May 15, 2018 19:12
|
|
|
Twerk from Home posted:This isn't widely true, largest salary increases come in your 20s unless you're in a career that had very long training like an MD, PhD, or JD. Gonna need some facts to back this up. The conventional wisdom is that careers kick off in your 30's. Unless you're an engineer or like a refinery worker or something, there's typically a lot of upside after you get established (and even in those cases, there is still a lot of growth potential, just more front-loaded).
|
|
#
?
May 15, 2018 19:29
|
|
|
Vox Nihili posted:Gonna need some facts to back this up. The conventional wisdom is that careers kick off in your 30's. Unless you're an engineer or like a refinery worker or something, there's typically a lot of upside after you get established (and even in those cases, there is still a lot of growth potential, just more front-loaded). https://www.washingtonpost.com/news...m=.c6457e33f139 quote:For the average person, however, earnings growth stagnates after the first 10 years of a career. Average earnings growth for the 35-to-55 set is zero, the data shows.
|
|
#
?
May 15, 2018 19:34
|
|
|
|
| # ? May 30, 2024 00:46 |
|
|
axeil posted:https://twitter.com/MarketWatch/status/995381403830243328 Aziz Ansari has really fallen on hard times lately
|
|
#
?
May 15, 2018 19:54
|
|
