01/26 - Taco Wednesday

New Requester Profile!

echemah [A9EQSL2ZS4GAB] 5-8 minutes multiple-choice survey about you and your work environment - $0.50 | PANDA

Underpaid

Unrated

Unrated

$8.04 / hour
00:03:44 / completion time

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Pros:

Cons:

Catchability: Okay (HIT Last Seen: 14 minutes ago)
Qualifications: HIT approval rate (%) > 95; Employment Status: Unemployed EqualTo 0; Location EqualTo US;

To read echemah's full profile check out TurkerView!​

 

I am a big proponent for Vanguard's offerings, but I will say I am supremely happy with Schwab for banking. If you travel.. you absolutely can NOT beat their ATM incentive. The only -real- downside is their banking is strictly online and they have no actual brick and mortar's left. Not as much of an issue nowadays and for those who don't regularly need to drop tons of cash in (cash is usually deposited via purchase of a money order and check deposit app).

 

Yphtach Lelkes [A3QABKQPGF9OKF] Quick Survey about Attitudes(~ 7 minutes) - $1.50 | PANDA

Unrated

Unrated

Unrated

$7.47 / hour
00:12:03 / completion time

Approved! ​

Pros:

Cons:

Catchability: Great (HIT Last Seen: a second ago)
Qualifications: Exc: [979605637-343119] DoesNotExist ; Total approved HITs >= 1000; HIT approval rate (%) >= 95; CR Research Group #1 >= 100; Location In US;

To read Yphtach Lelkes's full profile check out TurkerView!​

 

Raghunath Rao [A3F5WBEGP46X5Y] Two-part study on consumer attitudes (HP-1)(~ 10 minutes) - $0.50 | PANDA

Unrated

Unrated

Unrated

$14.17 / hour
00:02:07 / completion time

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Pros:

Cons:

Catchability: Great (HIT Last Seen: a second ago)
Qualifications: Exc: [1962957949-343121] DoesNotExist ; HIT approval rate (%) >= 95; CR Research Group #1 >= 100; Location In US;

To read Raghunath Rao's full profile check out TurkerView!​

 

On a related side note while I'm rambling.. I will say that Schwab (like most modern banks and especially those which are online centric), they do have a thing they do which they dub "Sweeping" where they essentially make money off your idle money (and if memory serves you do get a little trickle down) but at least they're open about it lol. Banking is an interesting and amusing system in and of itself once you start peeling the onion. Careful if you do look into how banking actually works.. you might get ill. Too much onion will upset most tummies

 

Only problem with that is if he does go to the university where I work, his tuition would be free and thus there'd be penalties then? If I understand right? My mom took out Coverdales for me (those are 529s right) and we had to transfer them to my nieces and nephews since I got enough scholarships that I didn't need to use all of the money.

 

Yu Luo [A13M087SC6RS10] What motivates lifestyle decisions? - $1.00 | PANDA

Good

Unrated

Unrated

$16.29 / hour
00:03:41 / completion time

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Pros:

Cons:

Catchability: Great (HIT Last Seen: a second ago)
Qualifications: HIT approval rate (%) > 95; Location EqualTo US; carbonPilotP DoesNotExist ;

To read Yu Luo's full profile check out TurkerView!​

 

Yphtach Lelkes [A3QABKQPGF9OKF] Quick Survey about Attitudes(~ 7 minutes) - $1.50 | PANDA

Generous

Unrated

Unrated

$34.18 / hour
00:02:38 / completion time

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Pros:

Cons:

Catchability: Great (HIT Last Seen: a second ago)
Qualifications: Exc: [979605637-343119] DoesNotExist ; Total approved HITs >= 1000; HIT approval rate (%) >= 95; CR Research Group #1 >= 100; Location In US;

To read Yphtach Lelkes's full profile check out TurkerView!​

 

Vanguard has almost the worst of any "real" brokerage, ratewise, extremely limited fund options, restrictions on selling options on stocks you own, non-negotiable fees, no indices, futures etc. They are the 401k provider of choice for many large companies, with people who don't notice the fee structure, and don't pay as much attention to it. With just a few tweaks, you could find an identical product with less than half of their fund fees.

If you like their funds, you might shop around and compare, save yourself some money!

For the S&P 500 tracking funds, their VOO fund is over double the fees of Fidelity's similar fund (0.03 to 0.0115)
ishares beats them in non-NA/emerging markets etc.

 

@Lumius Might be able to chime in on this one, but I do believe that with a Roth.. since it is made with after tax dollars.. you -can- withdraw your initial investment (that is the principal money invested.. not the interest accurred) at anytime tax free. The biggest drawback to Roths is the limited amount you can contribute yearly.

 

I've long since moved most of my stuff over to Schwab and some of their funds, but my primarily portfolio is self directed and I don't keep alot of my portfolio in mutual funds or ETFs. I do cover the basics with a 3 fund setup, but it is more as a buffer against large swings in the market.

 

It's true. Roth's can work as a sort of savings account that way, at least if you REALLY need the money and don't mind sacrificing your investments.

They're not as good when you retire as a plain ol' IRA, from what I understand, basically because the standard deduction and the lower tax bracket while retired make up for the taxes you would pay on the withdrawals compared to a Roth.

 

Vice versa, actually. If you don't withdraw before 59 1/2 and you've had the account 5 years, you don't pay on the gains for Roth IRAs. IRA traditional=before tax, IRA Roth=aftertax, no penalty on gains.

"Under current tax law, you can withdraw Roth contributions and their accumulated earnings tax-free as long as you're at least age 59½ and it has been at least five years since you first contributed to a Roth IRA."
https://www.irs.gov/retirement-plans/traditional-and-roth-iras

 

I had read a whole article where someone broke down the numbers between the two, and it showed the IRA coming out ahead in the end. It had to do with the money saved on taxes to use for investments earlier on. But I don't have the website at hand and this isn't a great place to discuss the nitty gritty of it all.

 

@JensenIsHere Yes, I've seen that! There is the argument that inflation will make paying the taxes with future, inflated dollars, is better. I personally prefer Roth, since it's done, taxwise, and I don't have to speculate about imagined inflation outpacing my growth.

There's also a large calling for Roth to have limits, or be changed, since rich people are getting stock cheap, putting in a Roth, letting it grow tax free.

https://www.forbes.com/sites/debora...dodge-mega-millions-in-taxes/?sh=1215454558f3

https://www.msn.com/en-us/news/poli...th-ira-tax-ploy-after-thiel-report/ar-AALoUzw

Several people associated with Berkshire Hathaway have done this too.

 

Title: Complete a survey as part of our study on social interactions (~10 minutes) | PANDA
Requester: Research Study [A3F39VMTAUJF4Z]
TurkerView: [ $29.22 / hour ]
Description: This survey is part of a research project studying social interactions. You will be asked to draw from personal experience to answer a mix of multiple choice and short answer questions, which should take no more than 10 minutes to complete.
Duration: 180 Min
Available: 1
Reward: $2.00
Qualifications:

• Sept onwards DoesNotExist
• Age - 18 - 25 EqualTo 1
• HIT approval rate (%) GreaterThanOrEqualTo 98
• Location EqualTo US

[3IODFFHBUI1MJOXKA1WS94CQN6F8I2]​

 

Remesh Research [A2BPBC7CA5WQMW] Remesh Conversation: Making a better world - $6.90 | PANDA

Unrated

Unrated

Unrated

$28.78 / hour
00:14:23 / completion time

Approved! ​

Pros:

Cons:

Catchability: Terrible (HIT Last Seen: 3 hours ago)
Qualifications: Total approved HITs >= 5000; HIT approval rate (%) >= 98; Location In US;

To read Remesh Research's full profile check out TurkerView!​

 

Soyon Paek [A3AQN98OLJL3N0] Research on social media post about service consumption(~ 5 minutes) - $0.70 | PANDA

Generous

Unrated

Unrated

$24.00 / hour
00:01:45 / completion time

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Pros:

Cons:

Catchability: Great (HIT Last Seen: 14 seconds ago)
Qualifications: Exc: [10905379-342935] DoesNotExist ; HIT approval rate (%) >= 97; CR Research Group #1 >= 100; Location In US;

To read Soyon Paek's full profile check out TurkerView!​