765 karma · joined November 12, 2010
Every payday, I get an email notification from Mint asking if I recently made a large purchase, in the amount of my paycheck.
Why even bother having a transaction categorization system, if it can't tell the difference between a deposit and a withdrawal?
1) From an investment risk perspective, your personal livelihood is already significantly tied to the company because you rely on the company for a salary. Holding a significant chunk (relative to your total investments) of stock in your company as well adds to that risk.
2) Unless you're a C-suite exec, your actions will likely have no direct impact on the stock price. And obviously, insider trading is illegal. That means holding your own company's stock has no fundamental advantage over holding stock of a company you don't work for. If that's the case, you're better off picking stocks based on actual performance and eliminate the personal bias.
3) You can sell your RSUs once they vest in order to diversify, but you have to wait a year after vesting or short term gains tax will apply to any gains post-vesting. So, it might be advantageous to wait a year if you don't plan to sell immediately upon vesting. Also, with some companies, a portion of your shares will be surrendered back to the company to cover income tax on the shares.
4) From a tax filing perspective, RSUs and ESPPs can be a PITA. In my experience, tax software and general tax filing services often don't know how to correctly record the cost basis, which means you end up getting taxed twice if you don't know what you're doing.
5) When cash is tight, companies might lean more heavily on RSU-based compensation if they can't afford raises or cash bonuses. You need to make sure your company is giving you what you need.
6) The golden handcuff effect. You want to leave for a better job, but you've got a nice chunk of RSUs that haven't vested yet and could be worth quite a bit in just a couple more years. Is that new job worth the opportunity cost of giving up those shares? For companies that award RSUs as part of yearly performance reviews, you're pretty much always going to have some RSUs that are 3 years out from vesting. It's just difficult weighing the potential value of RSUs vs a new job's salary/benefits and whatever reasons you wanted to jump ship in the first place. It's very personal math and ultimately you have to determine an answer for yourself.
Drove everyone mad until someone figured out it was the chair itself.
The alternate capitalization makes no difference to a search engine.
Remember that Apple said this.
The logic that the entire population is stuck on this planet (then and now for the time being), and the resources/ideologies being fought over don't mean a thing if everyone is dead.
That fully depends on the person. Suppose I mined Bitcoin in college when it was still rather young and amassed a ton of BTC, but then lost my wallet at some point.
Many years later, BTC is worth a great deal more than when I was mining. Perhaps my wallet is now valued at tens (or hundreds) of thousands of dollars. Depending on my life scenario, I may not have that amount in liquid assets to put toward making the challenge.
It's this same logic that gave us The Cold War.
People tell themselves all sorts of things to justify this kind of cognitive dissonance. The predominant arguments I've seen are:
A) Technology isn't good/bad, it's how you use it. And fortunately for the engineers, the tech will be used far away by people they'll never meet and the details of which will remain classified. Out of sight, out of mind.
B) If we don't build it, someone else will. And we don't want this tech to fall into our enemy's hands first, do we? Best defense is a good offense.
If the process is so nuanced that there's an entire industry around these types of guides (and Google even highly recommends you buy them!), then the process is fundamentally flawed.
But we already knew that, and as long as others are still playing the game, we are forced to play or miss out.
Press Release: Qualcomm and Apple® today announced an agreement to dismiss all litigation between the two companies worldwide. The settlement includes a payment from Apple to Qualcomm. The companies also have reached a six-year license agreement, effective as of April 1, 2019, including a two-year option to extend, and a multiyear chipset supply agreement.
In middle school, a teacher showed us how to make a pythagorean theorem program, and I immediately saw the potential. When asked if it were possible to make a quadratic equation program, the teacher told me it couldn't be done. I had one written by the following day's math class, and I was hooked.
By high school, I was writing actual graphical games for the TI. I even taught friends so they could help contribute.
If it weren't for that freedom to explore, I would never have even gotten into software. And while pursuing my degree, I came to realize that my friends and I had "invented" some core programming concepts, things like hashing and basic cryptography (so no one would steal our game assets).