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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Old 02-18-2019, 10:18 PM   #2626
htismaqe htismaqe is offline
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Well, what I mean is that they use it as a savings account throughout the year so that they can spend it all on something in the spring (as opposed to reducing withholdings to aim for $0 owed). I'd bet it's a minority that actually puts the refund itself into a savings account.
Aiming for $0 has always been the goal. Unfortunately, as you said, most people don't understand that.
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Old 02-18-2019, 10:25 PM   #2627
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Aiming for $0 has always been the goal. Unfortunately, as you said, most people don't understand that.
I buy that to an extent, but I actually do like getting a little back each year (typically around $1,500). Though I'm fine with my savings as well, I like the little boost. My wife and I usually use it for a little vacation or upgrading something around the house.

Is it technically the best financial decision? No. But the best you're going to do with that $1,500 in a savings account is getting about $30 in interest (which is taxable income, so really more like $20-$25) for it over the course of a year. That's less than I'll pay for a decent dinner, so I'm OK with missing out on that to be able to blow some money that was otherwise not in the budget. It's fun.
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Old 02-18-2019, 10:27 PM   #2628
htismaqe htismaqe is offline
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I buy that to an extent, but I actually do like getting a little back each year (typically around $1,500). Though I'm fine with my savings as well, I like the little boost. My wife and I usually use it for a little vacation or upgrading something around the house.

Is it technically the best financial decision? No. But the best you're going to do with that $1,500 in a savings account is getting about $30 in interest (which is taxable income, so really more like $20-$25) for it over the course of a year. That's less than I'll pay for a decent dinner, so I'm OK with missing out on that for the fun of blowing some money that was otherwise not in the budget. It's fun.
I get that. You're also thinking about it rationally. Many of the people complaining around here are angry because now they can't get a 65" big screen that they couldn't afford in the first place.
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Old 02-18-2019, 10:32 PM   #2629
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I've got asshole renters that need that lump sum to catch up their rent.
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Old 02-18-2019, 10:36 PM   #2630
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I've got asshole renters that need that lump sum to catch up their rent.
We're speaking the same language.
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Old 02-18-2019, 11:39 PM   #2631
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I just hate that I work hard, supposed to get more money, and it goes back into taxes for the city, school (see below) and everyone wants more. Every bill went up Jan 1. DTV, water, paper etc.

The city decided to build a new city hall and pool. I am close to paying as much in taxes as my house payment. Which I get no credit for. F Hennepin County.

We prepaid a lot. We do not have anything taken out for farm cash rent, so we have to prepay it. I get no credit for tuition for kid because I MAKE TOO MUCH MONEY.

Let me tell you what it is like to be a teacher in the district I teach in.

I voted for the referendum. It usually helps with a pay raise. I will pay more in property taxes and income tax so that I can get a pay raise so I pay more taxes. The ultimate vicious circle.

Our school district is still 5 Mill in the hole because the Fed government does not fully fund Special Ed. Meaning I may lose my co-worker who I really like. And may have to train someone new. I hate that.

ok. /rant for now.

Hey man, if you don't like paying tax on the farm rental, let me shoot you my address and SSN and they can send the checks to me. I'll happily pay tax on a new income stream. Particularly if it is passive.

Really though, I feel you on FUUUUUUCK taxes. I don't mind paying taxes for basic shit - infrastructure and security and the like that I can't provide myself, but these taxes are ****ing hogshit.

If you want to get REALLY wound up, 44.4% of Americans will pay $0 of Federal Income Tax That is so mind bogglingly ****ed the **** up, I can't even come up with words.

On the practical end, if your farm rent is sharecrop, the guidance from the IRS indicates that it would be eligible for the QBI deduction, which would help.

Other than that, just know you're not alone in the boat you're in. Property taxes in my county (at least on Ag land) have almost doubled since 2012, I feel your pain. I set up an S-Corp on the farm because the most expensive thing I could do was retain earnings. Couple that with cornholes I know that get EITC, and it is damned maddening.

I got you, man...*bro-fist*
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Old 02-19-2019, 06:31 AM   #2632
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When I tell my democrat teachers that 44% don't pay taxes, they get mad. But it is true.

And paying for decorative water fountains pisses me off.
We will see how this year goes. we put a lot away for taxes.
Farm rent helps pay for college after taxes. 2 years, no loans...good thing.
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Old 02-19-2019, 07:46 AM   #2633
Buehler445 Buehler445 is offline
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When I tell my democrat teachers that 44% don't pay taxes, they get mad. But it is true.

And paying for decorative water fountains pisses me off.
We will see how this year goes. we put a lot away for taxes.
Farm rent helps pay for college after taxes. 2 years, no loans...good thing.
Right on. Paid for land makes good money. Probably better money where you’re at.

There is also an option to withhold extra from your check in lieu of doing it yourself, but if you’re handling it, I wouldn’t worry.
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Old 02-19-2019, 08:53 AM   #2634
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This is a swing or short term trade? Why, Pfizer? Is it a play on PBM regulation?
Swing trade. Dividends pay on the 1st and I need out by then since I’ll miss cutoff to receive any of that. Lots of recent support at $41.70. Futures looked green. Open $42.5 and had limit order set at $42.30. Order placed at $42.23 today shortly after open.
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Old 02-21-2019, 06:58 PM   #2635
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Kraft Heinz getting killed after hours. A stock down over the last 5yrs dropping 20% so far tonight.

Dividend cut, write downs of core Business values, also the SEC subpoenaed their finances due to accounting concerns. So uhh good news all around
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Old 02-21-2019, 07:06 PM   #2636
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Old 02-21-2019, 07:11 PM   #2637
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I hope nobody had any stock in Stamps.com (STMP).

They're down 48.5% in after-hours trading after not renewing an exclusive deal with the Post Office.

https://finance.yahoo.com/quote/STMP...c=fin-tre-srch
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Old 02-21-2019, 07:13 PM   #2638
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Old 02-21-2019, 08:22 PM   #2639
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if IQ hits 30 im gonna buy a hooker
Up another 0.40% After hours

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Old 02-21-2019, 10:19 PM   #2640
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I hope nobody had any stock in Stamps.com (STMP).

They're down 48.5% in after-hours trading after not renewing an exclusive deal with the Post Office.

https://finance.yahoo.com/quote/STMP...c=fin-tre-srch
If you sell stamps and you lose your deal with the USPS, I'm surprised that you're only dropping 48.5%.
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