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653 karma · joined May 7, 2019

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junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
You may find this passage from USCIS relevant, particularly the last sentence.

> E-3 Specialty Occupation Workers may be admitted initially for a period not to exceed the validity period of the accompanying E-3 labor attestation (i.e., for a maximum of two years), and extensions of stay may be granted indefinitely in increments not to exceed the validity period of the accompanying E-3 labor attestation (i.e., for increments of up to two years each). As there is no limit on the total length of stay for an E-3 alien in the legislation, there is no specified number of extensions a qualify ing E-3 Specialty Occupation Worker may be granted. Under the current E regulation, 8 CFR 214.2(e)(5) , an alien classified under section 101(a)(15)(E) as an E-3 nonimmigrant shall maintain an intention to depart the United States upon the expiration of termination of E status. An application for initial admission, change of status or extension of stay in E-3 classification, however, may not be denied solely on the basis of an approved request for permanent labor certification or a filed or approved immigrant visa preference petition.

https://www.uscis.gov/sites/default/files/document/policy-ma...

junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
I think you will get a better answer if you clarify your situation.

* Are your kids US citizens?

* In what country you do currently live?

> I was told that in order to get a spouse Visa, I need to start the process in Thailand. Is this true? Do i need to apply for everything in Thailand just because this is where we got married? Thank you

This is generally incorrect. For a spouse of a US citizen living abroad, you "start" by filing I-130 and then by completing the NVC paperwork, which can be done either online or through mail. The final stages are generally handled by the overseas consulate where the intending immigrant resides.

https://travel.state.gov/content/travel/en/us-visas/immigrat...

However, you may need documents from Thailand, such as your marriage certificate with English translation and police records for the immigrant.

https://travel.state.gov/content/travel/en/us-visas/Visa-Rec...

junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
As Peter says, K1 is not a option for you because you're married. F2A will convert to immediate relative (either CR1 or IR1) once you become a US citizen.

CR1/IR1 is generally superior from the perspective of the immigrant spouse. However, CR1/IR1 does not allow derivatives, unlike F2A. If you have any children or stepchildren that don't have US citizenship or a green card, you will need to file a separate I-130 for them if you become a US citizen.

junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
While you were unmarried, you were either an immediate relative if under age 21, or family preference F1 if 21 or older. Because you married, you are now in the family preference F3 category, which has a much larger backlog and a much longer wait.

You should have considered the immigration consequences before you got married. The only thing that can change your situation is if your marriage ends in death or divorce. Otherwise you must wait.

9 FAM 502.2-3(D)

> a. (U) Immediate Relative Converts to Third Preference: If the child of a U.S. citizen is the beneficiary of an IR petition, the petition automatically converts to a third preference petition if the child marries. The priority date of the third preference petition is the filing date of the immediate relative petition.

> b. (U) First Preference Converts to Third Preference: If the unmarried son or daughter of a U.S. citizen marries before the visa is issued, the beneficiary's first preference petition automatically converts to a family third preference petition. Any child(ren) of the beneficiary would then be entitled to derivative third preference status. The priority date remains the same.

> e. (U) Third Preference Converts to First Preference: (1) (U) A third preference petition approved for a married son or daughter of a U.S. citizen who has since become widowed or divorced automatically converts to accord first preference status (or IR status if the beneficiary is under the age of 21). If the petition converts to first preference, the accompanying or following-to-join child(ren) may be granted derivative first preference status. The priority date remains the same.

https://fam.state.gov/fam/09FAM/09FAM050202.html

junar··on The best $4 ever spent
It's interesting to compare a European perspective with an American one.

In the US, the train stations I've seen range from unremarkable to downright filthy. The one station I found interesting was New York Penn Station, which I would favorably rate as on par with an average airport.

junar··on Crypto tax evasion is 'pervasive'
Related: IRS requires brokers to report certain sales of digital assets beginning in 2025.

https://www.irs.gov/newsroom/treasury-irs-issue-final-regula...

junar··on Why London is 4-5 hrs ahead and LA is 3 hrs behind Boston though both are as far
OP has a misleading premise, and the top comment thread is focusing on a less relevant detail. More relevant comments focus on the longitude, rather than the straight-line distance.

> Los Angeles is about 47° longitude from Boston, and London is about 71° longitude from Boston.

junar··on Ask HN: How to emulate a smartphone on a computer for banking apps?
If you already have your phone, why not just leave your phone where your computer is?
junar··on Banks Are Now Accused of Cheating Customers Billions
One big caveat is that IBKR gives you nothing on the first $10,000 of cash. At current rates, they would be making ~$500 a year from you doing this.

https://www.interactivebrokers.com/en/accounts/fees/pricing-...

junar··on Banks Are Now Accused of Cheating Customers Billions
Agree in general, with minor caveats:

* Schwab's roboadvisor product has decent rates for cash sweep, but their self-directed brokerage has the rather weak rate of 0.45%.

* The first $10k at IBKR earns 0%. Also, IBKR Lite also has a weaker rate (3.83%) compared to IBKR Pro (4.83%).

Of course, with a bit of extra effort, you can buy SGOV etc. in your brokerage for better rates.

[1] https://www.schwab.com/cash-investments

[2] https://www.interactivebrokers.com/en/accounts/fees/pricing-...

junar··on Banks Are Now Accused of Cheating Customers Billions
For the sake of completeness, it important to recognize that muni money market funds exist, such as VMSXX, VCTXX, and VYFXX.

My impression is that the current yields of these funds are not high enough to justify for most taxpayers, compared to other funds. But since everyone is different, it can be helpful to sit down and do the math for your individual situation.

https://thefinancebuff.com/best-vanguard-money-market-fund-y...

junar··on Hacking the largest airline and hotel rewards platform (2023)
Relevant post: https://blog.docbert.org/united-airlines-bug-bounty/
junar··on Linear Algebra Done Wrong (2004)
"Linear Algebra Done Wrong site:sites.google.com" finds the page you linked.

https://www.math.brown.edu/streil/index.html redirects to https://sites.google.com/a/brown.edu/sergei-treil-homepage/h...

But OP's link, https://www.math.brown.edu/streil/papers/LADW/LADW.html does not redirect. So it seems like a problem that the site owner can fix.

junar··on America Has Too Many Laws – An excess of restrictions has taken a real toll
What actually happened is that Form 1040 got sliced into multiple pages. Going from 2017 to 2018, the 1040 went from 79 lines [1] to 23 lines [2]. The remaining 50 or so lines? Moved to Schedules 1, 2, 3, 4, 5, and 6. So if your return had any amount of complexity, you probably needed more pages that year.

Today's Form 1040 [3] is somewhere in the middle. The form itself has 38 lines, and the numbered schedules have been consolidated from 6 to 3.

[1] https://www.irs.gov/pub/irs-prior/f1040--2017.pdf

[2] https://www.irs.gov/pub/irs-prior/f1040--2018.pdf

[3] https://www.irs.gov/pub/irs-prior/f1040--2023.pdf

junar··on Apple Maps on the web launches in beta
Only Safari, Edge, and Chrome are supported, and only on Windows, Mac, and iPad.

https://support.apple.com/en-us/120585

junar··on America’s Transit Exceptionalism
For a fuller picture, I think it's also important to consider taking the BART around the East Bay to Berryessa station. It can be better depending on where you're located.
junar··on 110 new languages are coming to Google Translate
Tibetan is part of the languages listed. Perhaps it is not released to everyone yet: the link below says "Over the next few days, you will see new languages available..."

https://support.google.com/translate/answer/15139004

junar··on Millions of Taxpayers Call the IRS for Help. Two-Thirds Don't Reach Anyone
Another perspective: The reality is that not all customer service is created equal, and for the individual, escalating through side channels is simply taking advantage of the system as designed.

> Much like the United States has decided, in its infinite wisdom, that caseworkers for immigration and passport services should be staffed in every Congressman’s office and not at the agency that actually handles immigration or passport issuance, there very likely exist people at the bank whose job is working the bank more than it is working for the bank.

> As a sophisticated user of the banking system, a useful skill to have is understanding whether the ultimate solution to an issue facing you is probably available to Tier Two or probably only available to a professional earning six figures a year. You can then route your queries to the bank to get in front of the appropriate person with the minimal amount of effort expended on making this happen.

> You might think bank would hate this, and aggressively direct people who discover side channels to Use The 1-800 Number That Is What It Is For. For better or worse, the side channels are not an accident. They are extremely intentionally designed. Accessing them often requires performance of being a professional-managerial class member or otherwise knowing some financial industry shibboleths. This is not accidental; that greatly cuts down on “misuse” of the side channels by that guy.

https://www.bitsaboutmoney.com/archive/seeing-like-a-bank/

junar··on Millions of Taxpayers Call the IRS for Help. Two-Thirds Don't Reach Anyone
You can read the instructions for Form 4852 to see if you can use it to file your return.

https://www.irs.gov/pub/irs-pdf/f4852.pdf

Note that in some cases, your employer should not issue a corrected Form W-2. Make sure you understand in which situations a corrected Form W-2 is needed.

junar··on Millions of Taxpayers Call the IRS for Help. Two-Thirds Don't Reach Anyone
For future reference, you can get a tax return transcript from the IRS online, for free.

https://www.irs.gov/individuals/get-transcript

If whoever you were dealing with was refusing to accept a transcript, perhaps it would be good to name and shame them.

junar··on The Most Common Last Name in Every Country
All three are valid choices for 黄. In principle, people may choose different romanizations, but it does seem unusual for siblings in the same family choose differently.

"Huang" comes from the Mandarin Chinese pronunciation, which is by far the most commonly spoken form worldwide, and widely preferred in schools, media, business, etc. One possible reason to prefer this spelling is for name recognition from numerous other Mandarin Chinese speakers, or even non-Chinese speakers familiar with common Chinese surnames.

"Ng" and "Eng" come from Min Nan Chinese, which is a common spoken form among local communities in Singapore and Malaysia, among other places. Min Nan hasn't been as widely standardized as Mandarin, so spellings may vary. Some people may prefer these spellings, which more closely aligns with how their family, friends, and other locals pronounce their names.

junar··on IRS Direct File to open to all 50 states and D.C. for 2025 tax season
Default federal income tax withholding on bonuses is 22%. If your marginal federal tax rate is higher than that, then you underwithheld, meaning you owe more in taxes than you paid over the year.

https://pburgoscpa.com/managing-your-bonus-in-nyc-a-high-inc...

For your home sale, the person responsible for closing the transaction files Form 1099-S with the IRS, reporting the sale amount (which they're responsible for) but not how much you paid for it (because you're responsible for that). You should have gotten a copy of the 1099-S, which was your clue that you needed to report it on your return.

junar··on IRS Plans to Make Free Tax Filing Permanent
Marketplace health insurance is more complicated than you think. The IRS instructions for the necessary form take up 20 pages. If I were the IRS, I would not implement it in a MVP version either.

https://www.irs.gov/pub/irs-pdf/i8962.pdf

junar··on The Most Common Last Name in Every Country
The map seems to miscategorize "Tan" from Singapore and Malaysia [1]. The surname Tan is actually the same surname as "Chen" (陳/陈) in Taiwan [2], just pronounced differently. The mapmaker seems to have confused it with another, less common Chinese character [3].

[1] https://en.wikipedia.org/wiki/List_of_common_Chinese_surname...

[2] https://en.wikipedia.org/wiki/List_of_common_Chinese_surname...

[3] https://en.wikipedia.org/wiki/Tan_(surname)

junar··on Tesla Board Attempts to 'Ratify' Musk's Options Package Instead Granting New One
Article talks about the individual income tax on NSOs in a misleading way. To clear things up, using IRS Pub 525 [1]:

1. As an "nonstatutory stock option that has a readily determinable FMV", the FMV of option would generally be income when it vests. Since it is compensation for services, it would be taxed as ordinary income.

2. When the FMV is included in income upon vesting as described in #1, the taxpayer doesn't have any income when they exercise the option to buy shares.

3. When the taxpayer sells the shares, they have capital gains, but their basis is the amount they pay for it plus any amount included in income previously. In other words, any income included in #1 is not taxed again.

The assertion that there is somehow an individual income tax benefit seems unfounded. Since Tesla has been a publicly traded company at all relevant times, the mechanisms of the income tax shouldn't have changed. (Though of course, the amount of the compensation may differ...)

[1] https://www.irs.gov/publications/p525

junar··on Mid-level Nvidia employee gets $62M in stock options; another lost it all
It also often violates a company's insider trading policy to hold company stock in a margin account.

"We don't hold NVIDIA securities in a margin account or pledge NVIDIA securities."

https://images.nvidia.com/aem-dam/en-zz/Solutions/about-us/N...

junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
I assume they wouldn't be coming to the US to play chess...

> To qualify for an O-1 visa, you must demonstrate extraordinary ability by sustained national or international acclaim, or a record of extraordinary achievement in the motion picture and television industry, and must be coming temporarily to the United States to continue work in the area of extraordinary ability.

https://www.uscis.gov/working-in-the-united-states/temporary...

> You must meet at least 3 of the 10 criteria* below, or provide evidence of a one-time achievement (i.e., Pulitzer, Oscar, Olympic Medal) as well as evidence showing that you will be continuing to work in the area of your expertise. No offer of employment or labor certification is required.

https://www.uscis.gov/working-in-the-united-states/permanent...

junar··on I'm Peter Roberts, immigration attorney who does work for YC and startups. AMA
I don't have a specific answer here, but my understanding is that the usual idea is to choose "consular processing" for the H-1B visa. Perhaps your wife should talk with her company's immigration team about this.
junar··on The Rise and Fall of Silicon Graphics
I wish the author had shown their work regarding the mother's after-tax income. They apparently assume a 22% effective tax rate, but that seems unrealistically high.

The SSA says that Social Security tax was a mere 1% before 1950, and would remain below 4% until the 1970s. [1]

A 1949 Form 1040 [2] suggests that a single filer with 3 dependent children, earning $2700 that year, would have a federal income tax liability of only $7. Not 7 percent, 7 dollars.

[1] https://www.ssa.gov/oact/progdata/taxRates.html

[2] https://www.irs.gov/pub/irs-prior/f1040--1949.pdf

junar··on Anatomy of a credit card rewards program
The $750,000 amounts to a cap on the deduction. If your mortgage is in excess of that amount, you would pro-rate the deductible interest accordingly.

I think it's reasonable to say that the folks with the largest mortgages are the ones most likely to itemize mortgage interest, even if they are capped.

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