@enderland, I wish I could have a super-secret mode where I could hide in plain sight on SE -- definitely would not be overrated. I should change my icon to transparent.
I have a colleague who holds a higher position than myself and is very very abrupt and rude, in particular to people who are in lower positions than she is. I believe the management dont really see this because she treats them in a different way and makes sure she always looks good.
I have no id...
@MattGiltaji a question just was closed as its dup and the asker lamented the answers there, since they rightly observed the answers are pretty weak (though the question is great)
@enderland I'm open to giving bounties too; as a mod I can already do all the things, so I don't mind giving some away. My biggest problem tends to be that I notice a great question that's too new, say "I should come back and bounty that if it doesn't get a good answer soon", and then forget about it. Oops. So, no promises, but I'll accept nominations, particularly in the tags I tend to hang out on (which you can get from my profile)...
Err, that was a reply to enderland's comment, but it's addressed to everybody.
Assuming my math is correct and that I'm not missing something about Roth investments, it appears to me that either option will work out exactly the same if you will be in the same tax bracket in retirement.
This is true only if your average tax rate in retirement is the same as your current...
If you can deduct, traditional is nearly always better than Roth
@enderland will read your answer momentarily, but the gamble is whether tax rates will be higher or lower when you take the money out -- which means anticipating changes to the tax law, not just anticipating your own needs. Ok, off to read your answer now...
@enderland I don't see where you accounted for earnings. For traditional you pay tax on everything that comes out, principal and interest; on the Roth you pay taxes on principal on the way in and nothing on the way out. (So another part of the gamble is how your money will grow over how long.)
@enderland earnings don't matter in your simple example but they matter for the question of "how much money do I have". If your plan is to spend most of your money, as opposed to building an inheritance for someone else, that could matter.
@enderland I've actually done a mix. For the first (mumblety) years of my career Roth hadn't been invented yet, so it all went into trad (first IRA, then 401(k)). Once a Roth 401(k) became available to me (Roth IRA never made sense in my case), I started feeding into that instead. This means that in retirement I can choose, year by year, which flavor of money to take. It's insurance. :-)
A big thing too is that if you retire, in many cases your actual spending (and as a result withdrawals) is less than your income so your effective rate drops a lot relative to the marginal rate you put money in at
Also the "taxes on earnings vs principle" doesn't really matter because you are paying a tax on Roth earnings - if you have $150 you could have put into the traditional IRA whatever that would have earned is money you lost in potential earnings (which you then would be paying taxes on, as you correctly note)
anyways for most people this conversation is moot because most people don't save enough anyways, and either option is better :)
I've probably traveled enough in my life to go to the moon and back.
I don't think I have any photos of Finland actually. Or Austria. Or Istanbul. I do have some of London (probably of beer and pubs), and Warsaw at least. Maybe some Happen in Dusseldorf. Definitely have some of Bali.
I am horrible with photos.
I mean, why the heck would I want to take photos of everywhere I go? I will never look at them again, and other people take far better ones I can look at if I ever want to remember how it was.
@enderland I wouldn't call it the travel bug so much, I mean, I do live overseas and all that, but it's just more that once you have done it once, it doesn't seem like such a big deal to do it again. To me, "I want to go to New York!" and "I want to go to Bali!" are equivalent.
And it's not like I'm doing really touristy stuff, I go to Bali just to relax, because the people, food, and hotels are tremendous, and the internet is so bad I'm not even tempted to try real work.
@enderland While I'm sure you can try, I think culture takes a lot longer than a few months.
@jmac I wanted to take a Norwegian cruise last winter (north of the Arctic Circle, for the aurora, but also other stuff), but my husband and I decided that would be too adventurous for a first international trip together, so we went to London. It's funny what "use it or lose it" vacation time can prompt.
@MonicaCellio London is a great first trip. Same language, gorgeous city, tons of things to enjoy regardless of what you're in to -- definitely a good choice.
I think that people get spoiled by having 300 million people in their country speaking their language.
(Japan is really similar in that respect)
I didn't find London too outrageous, but then again I will eat at the pub, and that tends to be far cheaper, and when I was there extensively the exchange rate with the yen was so stellar I was overjoyed at only paying $3 for a beer.
(beer in Paris is poor by comparison, and twice the price. Wine and paté on the other hand, is cheap and awesome)
(you just have to leave the city)
I have been fine with English in most of Europe -- Finland, Germany, Austria, Poland -- never any real issues (not to mention countries like the Netherlands, Denmark, Norway, etc. which are essentially English native level due to schooling)
I went to the electronic's store yesterday for the first time in a long time. My poor 32" flatscreen TV that I bought in 2006 or so for $1,300 would now cost more like $300 -- I can't even believe how much prices have dropped. Incredible stuff.
@jmac the exchange rate didn't favor us so much. I think I ended up paying $7-8 for a beer in London (at the pub, I mean), and I didn't even consider getting a beer in Paris.
@MonicaCellio Yeah, in 2012, with all the war and economic uncertainty, etc. the Japanese Yen got stupid strong.
google.co.jp/?#q=gbp+to+jpy In 2012, it was down around 120 yen/GBP -- currently at 180. So it was a great time to be in London (or the US, or anywhere for that matter) The USD-JPY exchange rate usually hovers around 100 (it is currently 104 JPY/USD), but back then it dropped all the way down to 75 JPY/USD. Great time to be paid in JPY and visit the US!
Hey all. We got a flag on meta that I'm going to decline, and I want to explain why. Since it's a comment flag I (a) can't reply via the flag interface and (b) don't know whose it is anyway.
The flag is against a comment of the "yes I agree" variety. On main that would be toast (so please do flag there). On meta it would be toast if we'd already heard from that person. But on a meta post trying to gauge community sentiment, I'm a little more willing to let people add that much to a discussion beyond casting their votes. It's iffy and it could easily go the other way -- maybe another mod would delete the comment -- but this is why I'm declining it now.
(Note, though, that this is on a currently-active question; if you see old comments like that, like this one a few weeks from now, please do feel free to flag. By then I assume it's done its job.)
I have experienced this on a couple of sites (and I'm not the only one) :
You look through the question list. You see a pretty bad (or at least not-so-good) question heavily upvoted.
Or even worse, a very poor answer to a good question - upvoted to stratosphere.
Or even worse, a very poor/inc...
Via a recruiter I applied for a position to a certain company (earlier this week).
Today, I have seen that there is another position in the same company and department for which I would like to apply. I don't know if this can be seen badly by the HR (or whoever else looks at the applications), o...
I applied for a job that I really like via a company's website. Two days later, a recruiter whom I've previously been in contact with offered me the same position. But by now, another three days later, I still haven't heard from that company where I applied.
Meanwhile, the company says on their...
I work for a small company with a flat structure, with our company president as the lone official manager. There are ~25 employees.
Several years ago a pair of coworkers (let's go with Alice and Bob) started a relationship. During the time of their relationship Alice had a increasingly antagoni...
The take your CV down or else question is now closed, I see (with one reopen vote). I think the original question was problematic and should have been closed, but that the edits redeemed it. Thoughts?
@MattGiltaji word "ultimatum" wasn't in the question. Why adding something out of thin air when missing details can be taken from question text? Right there, look: or "there will be consequences"
A friend of mine, professional tech writer, once told me that one of the major skills in this profession is to remain anonymous.
He explained that it means that to readers (including original author of the edited content), it shouldn't look like you added something of "your own", that it shouldn...
@MattGiltaji "remain anonymous", don't let your impression to leak in into the edit. In 99,9% cases all what is needed for the title is right there, in question text
@MattGiltaji I would only use quote signs around "there will be consequences" - just like it was in the question. Other than that, looks okay
more thorough editing would probably clean up some of the drama from the question text, but this may take much time as to preserve content and details. "To me, this is tantamount to bullying and they have no right to demand that she takes her CV off of any sites like Monster etc. She has the right to work wherever she wants. Everyone moves around from company to company these days, it's the way of the world."...
... ^^^ part in italics can be spelled to "impartial tone" (Good Subjective, Bad Subjective). Part in bold seems to be superfluous
I was given a written warning today that I believe is unwarranted. The statement is at best an inaccurate representation of what happened and I consider it completely wrong. Since this is a written warning I fear it could follow my career with the company I hope to retire from.
Is there any a...
My daughter is desperately unhappy with her employer and is looking for another job. Her CV is posted on several sites and today her line manager has told her that she has until 4pm to take it off of these sites or "there will be consequences". We don't know exactly what that means yet.
To me, t...
I have a colleague who holds a higher position than myself and is very very abrupt and rude, in particular to people who are in lower positions than she is. I believe the management dont really see this because she treats them in a different way and makes sure she always looks good.
I have no id...
Assuming my math is correct and that I'm not missing something about Roth investments, it appears to me that either option will work out exactly the same if you will be in the same tax bracket in retirement.
This is true only if your average tax rate in retirement is the same as your current...
I have experienced this on a couple of sites (and I'm not the only one) :
You look through the question list. You see a pretty bad (or at least not-so-good) question heavily upvoted.
Or even worse, a very poor answer to a good question - upvoted to stratosphere.
Or even worse, a very poor/inc...
I work for a small company with a flat structure, with our company president as the lone official manager. There are ~25 employees.
Several years ago a pair of coworkers (let's go with Alice and Bob) started a relationship. During the time of their relationship Alice had a increasingly antagoni...
The Water Cooler
The Water Cooler