junar

The broker didn't report the cost basis to the IRS because they don't have to. They only have to do this for "covered securities" [1], which include stocks you buy with cash, but don't include stocks you acquire as employee compensation.

[1] https://www.irs.gov/instructions/i1099b#idm139900428766768

The article mentioned a Reddit post without linking to the post, but I think I found it:

https://old.reddit.com/r/economy/comments/wjkqdx/low_taxes_f...

It's on Congress to fix the EITC, too. There are already detailed proposals to reform it [1], but nothing will change unless Congress has the will to do it.

[1] https://www.taxpayeradvocate.irs.gov/wp-content/uploads/2020...

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--2021.pdf

So I'll bet that cash back was always a lower rate. Their terms are rather evasively written, but my reading is that they have two different redemption categories, both called "statement credit":

1) "eligible Rewards Partner transaction" statement credit

2) general "Cash Back Statement Credit"

From the link you provided, they tell you that 2) can be a lower rate, but they don't tell you what that lower rate is. But I did see the recent reddit discussion saying that it's 0.7 points.

One thing to note is that X1 points have fairly limited redemption options [1].

There are several cards that offer no annual fee + straight 2% cash back, like PayPal Mastercard, Citi Double Cash, Wells Fargo Active Cash, etc. Also, they tend to have better sign up bonuses ($100-$200) compared to just a few more points.

[1] https://frequentmiler.com/x1-card-too-good-to-be-true-heres-...

> you could subtract the losses instantly from the gains, unlike in the US

I'm not sure what you're saying about the US. If you have a capital loss, you can and must offset capital gains in the same year when computing your gross income. The nuance is this:

* Capital losses can offset an unlimited amount of capital gains, but only a total of $3,000 of other income per year.

* Unused capital losses can only be carried forward into future years. You cannot apply them to income in past years.

So if you realize a large gain in year N, then a large loss in year N+1, you still owe the full tax bill from year N. The solution is to set aside cash to pay the IRS instead of risking it all.

I think you might find this entry interesting.

https://en.wiktionary.org/wiki/%E6%BA%90

Some highlights:

* Different Chinese variations (Cantonese, Min, etc.) have different readings. Initials, vowels, and finals all differ.

* When borrowed into Japanese, the Chinese initial was ŋ, which isn't used as an initial in Japanese, and was substituted.

I also wouldn't assume that sounds that are grouped together are supposed to sound the same. en/yin/wen/yun use the same final in bopomofo, but sound different.

His surname is 吳. Not only is it a different character from the one used to write 5, but it's also pronounced with a different tone in Chinese.

Also, his given name contains the character 源, which is read "gen" in Japanese, not "gan".

https://en.wikipedia.org/wiki/Go_Seigen

Caltrain wasn't created out of thin air. They took over an existing train service that operated well before BART was even contemplated.

https://en.wikipedia.org/wiki/Peninsula_Commute

I wonder if disabling the Alder Lake E-cores could work around the problem. Certain games had DRM issues which could be resolved this way.

https://www.notebookcheck.net/Gigabyte-releases-tool-to-disa...

What about using a different microphone? In my experience, listeners prefer the built-in MacBook Pro microphone over the AirPods Pro microphones. Or if you have a USB microphone, you can try that as well.

The feature is to silence unknown callers. If you know the numbers that they're calling from, you can simply add them as contacts. As a whole, I think the feature is worth the tradeoffs.

Is that a realistic scenario?

* My understanding is that universities prefer J-1 visas in almost all cases [1][2], and such visas are not portable.

* H-1B is more flexible than J-1, but still not as flexible compared to a green card. In particular, the new employer has to fill out a new application, pay the fees, etc. Also, universities are exempt from the H-1B cap, but other employers may not be.

[1] https://internationaloffice.berkeley.edu/ucb_departments/h-1...

[2] https://postdocs.stanford.edu/postdoc-admins/how-quick-links...

There's both a federal law and a California law.

https://edd.ca.gov/en/Jobs_and_Training/Layoff_Services_WARN

> If you can get value from buying now and using now, then it's not worth waiting. If you can't, then you didn't have to buy in the first place.

It sound like you're in the second category, then. If you really belong there, that's fine.

But honestly, I got a DDR3 machine towards the end of DDR3's lifecycle, and I have no regrets. I used the CPU/Mobo/RAM for more than 5 years, and by the time I upgraded, DDR4 got fast and cheap enough where I felt I got my money's worth from both my initial purchase and my upgrade.

* AMD has even better GPU availability right now.

* There's always new product releasing in the future, and the hardware you buy will inevitably depreciate. If you can get value from buying now and using now, then it's not worth waiting. If you can't, then you didn't have to buy in the first place.

* Futhermore, new product releases are staggered. Taking the RX 6000 series as an example, the high-end 6800 XT and 6900 XT released several months before the 6700 XT, and the 6600 XT came a few months after that.

In this case, not quite.

> A guilty verdict in the case must be unanimous among the jury. A not-guilty verdict does not need to be unanimous, it only requires 10 jurors to believe she is not guilty.

https://www.koin.com/news/brophy-trial/jury-instructions-nan...

I think a news article would be an easier read than the entire 54-page opinion.

https://www.reuters.com/legal/government/sec-in-house-judges...

This particular article also links to a copy of the opinion.

Survey source: https://www.aboutschwab.com/modern-wealth-survey-2022

It's interesting to compare against pre-pandemic versions of the survey [1]. In the national survey, the 2019 "wealth" number is actually slightly higher in 2019 compared to 2022. On the other hand, the Bay Area number is higher in 2022.

[1] https://www.aboutschwab.com/modernwealth2019

Yeah, it gets a bit confusing when you add in the German Emperor, Wilhelm II.

* George V and Nicholas II share Christian IX of Denmark as a common grandparent

* George V and Wilhelm II share Victoria as a common grandparent

* Nicholas II and Wilhelm II are more distantly related to each other (second cousins once-removed through Frederick William III of Prussia)

The point is that it's very much alive in the Japanese language. Aside from 音響 (onkyou) itself, there are a multitude of sound-related compounds, such as the even more common 音楽 (ongaku, music). In fact, the very word for Sino-Japanese pronunciation (音読み, on'yomi) uses this as well.

Given all this, I would find "obsolete" a misleading descriptor. For that matter, I'd find "traditional" misleading as well, as that could refer to the native Japanese pronunciation (kun'yomi).

> 3. Final Fantasy VII

エアリス (earisu) is not how Japanese speakers would pronounce "Earth". That would be アース (aasu), which sounds quite different. And you may be aware, but "Aeris" is not the preferred rendering today, which is "Aerith".

Don't have an opinion on your examples in general, just wanted to correct a misconception.

If you search "Jinnai Tomonori Tetris", there are versions of the video with English subtitles.

You don't need to fly across the Atlantic for that. If you make $50k~$55k gross in one of the 9 US states with no state income tax, your effective tax rate is less than 10%, considering the standard deduction, 10%, and 12% rates.

A cursory search suggests that France, like the US, has a progressive income tax system, so a highly paid worker in France would also have a high tax liability.

> I don’t have to pay federal taxes and only pay state which is like 18%

This sounds a bit off. California state income tax tops out at 13.3%, and the vast majority of folks owe less. Even if you include SDI/VPDI, that's only an additional 1.1% in 2022.

The most common tax exemption for foreigners is an exemption from FICA taxes (Social Security + Medicare) [1], which commonly applies to certain folks with F/J/M/Q visas. But generally, they still owe both federal and state income taxes. In fact, as nonresident aliens, their effective federal income tax rate can be a bit higher due to not having the standard deduction and certain other tax benefits.

Another relatively common benefit is the various tax treaties [2]. This may provide some relief from federal income tax, depending on the country and the visa status, but not necessarily a total exemption.

[1] https://www.irs.gov/individuals/international-taxpayers/fore...

[2] https://www.irs.gov/publications/p901

The word "contractor" is overloaded. Many folks, apparently including the Nintendo workers described [1], are actually not contractors, in the 1099 sense, under the law. Instead, they are W-2 employees of Company B, which is hired by Company A. Company B is legally responsible for offering them benefits, but they don't have to be equal to Company A's.

[1] "The specific charge, as first reported by Axios, is levied against both Nintendo of America and recruiting firm Aston Carter, which hires contractors for various administrative and customer support roles at Nintendo." https://www.ign.com/articles/former-nintendo-employee-accuse...

Only the VLF portion is deductible, so it depends on the value of your car. If you have expensive new car, maybe you are charged a $300 VLF and can get a $100 benefit from the deduction. If you drive an old beater, you benefit might be more like $10.

https://www.dmv.ca.gov/wasapp/FeeCalculatorWeb/vlfForm.do

If you're a high-income taxpayer, you might also just hit the $10k SALT cap from other taxes alone, making the effective benefit 0.

Also, this is probably dwarfed by amount you actually paid for the car (amortized over its lifetime), plus the amount you pay for insurance.

I'm not clear on whether single-member LLC can work around the limits, but a trust should work.

https://thefinancebuff.com/buy-more-i-bonds-treasury-direct-...

This article is about books. Book royalties are generally considered self-employment income, not passive income, under the tax code.

> However, if you hold an operating oil, gas, or mineral interest or are in business as a self-employed writer, inventor, artist, etc., report your income and expenses on Schedule C (Form 1040).

https://irs.gov/publications/p525#en_US_2021_publink10002292...