jueves, 14 de enero de 2016

LPT: If your AGI less than $62k you may get access to free tax filing software.

The IRS's Free Fileprogram allows those with adjusted gross incomes under $62k to use the Free File software for their federal taxes for no charge in a partnership with the Free File Alliance. Many states also partner with the FFA to offer free state tax returns to those that qualify, and some states offer free e-filing for all taxpayers. Tax return processing will begin January 19, 2016.
(Note: Every taxpayer regardless of income can file for free if you want to fill out the tax forms by hand. The free service being provided here is the software back end that does the calculations for you. Tax returns prepared electronically are generally more accurate than those filled out by hand, reducing processing time and the potential for penalties that result from errors in your filing.)

What can you do in January to prepare for tax season?

  • Finish up any IRA contributions for 2015 (you have until April 15, 2016 to make 2015 IRA contributions).
  • Look up the schedules your various financial institutions are planning on issuing your documentation (1099s, etc) so you can watch for them. Ask your employer when you will receive your W-2.
  • If you are considering professional tax preparation and haven't done so before (or are switching preparers), now is the time to be asking around to find a tax preparer. If you have an established relationship, it's always nice to reach out to say you will/will not be going with the same person again.

    Texas - No state income tax.

    Additionally, there are programs to have your taxes prepared by someone else for free. I "worked" for Volunteer Income Tax Assistance (VITA) in college. The IRS says you qualify if your income is under $54k, but in my own experience, as long as your return is simple, the dollar amounts don't really matter. But the guy in charge of our site was pretty lenient.
    They have locations listed on the IRS website.

    VITA is definitely a great option for many. Your local university accounting group, AARP, or various social service nonprofits are probably your local VITA location, if you have one in your area.
    All VITA sites are different - some require appointments, others have walk in hours, some do a bit of both. The IRS search lets you know and gives you their contact information to reach out directly.

    Just an FYI, sometimes it's easier to search google to see if there's a VITA in your area. The IRS search only attaches to the main address of a program and some programs have multiple locations.


    The things to put in come off that little piece of paper your employer sends you at the beginning of the year. It takes me 10 minutes to file, 20 minutes if I read the instructions as I go, which I don't.


    Thanks for posting this. Also remember: avoid major tax filing companies. They are mostly likely a scam to steal your money. I'm a current employee of JH and can tell you very plainly, the business model of this organization is simply to steal from the EITC of poor people.
    I can't speak for H&R Block or Liberty Tax, but if you come into JH your fee for half hour of time will come to between $300-500



miércoles, 13 de enero de 2016

sPEAKERS FOR 2.1 and later a FULL HT

OK gotcha... 2.1 channel. For less than $11.5K Mark Seaton will ship you a pair of these Catalyst 12C's and a SubMersive F18+ with F18 slave module.

And unlike B&W's, MA's, Vandersteens or whatever, with 4000W of DSP controlled active amps on board a pair Cat 12C's, you'll never need to be on the forums asking about how to spend more money to power them.

For an audition, contact Mark to see what he suggests and also try to find a Seaton owner in your area who'll have you over for a demo. In the meantime, listening impressions from some hardcore enthusiasts are here: January 18th Loudspeaker GTG results thread .

ALSO...

I think these are in your price range and would double as great HT speakers.

http://www.jblsynthesis.com/productdetail/s3900.html
JBL S3900 Floorstanding Loudspeaker SYNTHESIS

NAD and Cambridge Audio are the only receivers to get!. I'l add Marantz to that list!.

jueves, 31 de diciembre de 2015

flashlight

I literally just ordered my first big boy flashlight (Olight s2 baton). I decided that I'd want the extra 400 lumens and longer battery life over the size of the s1 but god damn the s1 looks good.

reddit


I have a couple S1's as well... and yes, I'm using rechargeable. Having pretty good luck and runtimes with the KeepPower 700mAh[1].

Quote

"Without conscious and deliberate effort, inertia always wins"
- Tony Hsieh -
"Sin un esfuerzo deliberado y consciente, la inercia siempre vencera"

jueves, 17 de diciembre de 2015

Formula to change Date (Text) to Date format

Example: "Tuesday, December 15, 2015" is in Text format. I need a formula, that can convert it to either a value or just a date format of "M/D/YYYY".
EDIT: Custom formatting or Formatting the cell does not resolve the issue Imgur Example

Assuming your date in Cell A1:
=DATE(RIGHT(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))),4),MONTH(DATEVALUE(LEFT(LEFT(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))),LEN(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))))-5),SEARCH(" ",LEFT(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))),LEN(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))))-5)))&" 1")),RIGHT(LEFT(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))),LEN(RIGHT(SUBSTITUTE(A1,",",""),LEN(SUBSTITUTE(A1,",",""))-SEARCH(" ",SUBSTITUTE(A1,",",""))))-5),2))
Result: imgur


REDDIT
https://www.reddit.com/r/excel/comments/3x8unq/formula_to_change_date_text_to_date_format/

VGC Loading/Liquidating Etiquette for Dummies

Over the past couple of days, traveling to quite a few local Rite-Aids and Wal-Marts to unload a couple of VGCs, I have had several conversations with CSRs behind the register that leads me to believe that the "common sense" for liquidation via Serve and similar methods is not that common. I would like to take a moment to try and give back to this truly awesome community and put together a short list of dos and don'ts for liquidating via Serve/etc. in the spirit of not having our newest method of Serve liquidation (at Rite-Aids) disappear.
I hunted around quite a bit for a similar list, but only found tidbits here and there, nothing consolidated. Feel free to disagree/comment/downvote if you don't think this is a good list, but I truly feel that the list below is accurate.
Golden Rule: Never unload more than 1 VGC per visit/shift.
  • Unloading multiple debit cards in one transaction is simply not a good idea, for a multitude of reasons. If you absolutely mustunload more than 1 VGC at your local store, do not just go through the line again with a new cashier, rather, come back when shifts have changed so you can be sure not to run in to the same people.
    . Never unload a VGC when a store manager is running your kiosk.
  • They will be the ones most likely to enforce all of the rules, and will request that you show them an embossed Debit card most of the time.
Which brings me to my next point:
If your cashier asks to see the "debit" card you are going to load with before swiping, never show them your VGC; just hand them a real debit card.
  • At this point, you are stuck using that card for the transaction. If they asked you the amount to load before showing them the card, and you gave them a higher amount than you are comfortable with, just purposefully type in the wrong PIN a few times, then say you will have to call your bank to get it sorted out. If they did not ask the amount first, just load like 5 bucks or whatever is convenient.
    Always be polite and cordial to your cashier.
  • Chat them up, engage in small talk. If you plan on coming back to this store on a regular basis, then, just like any other place you frequent regularly, you want to built positive relationships with those you interact with a lot.
Popular reccomendation: Don't hog the KATE/unload 5 cards at once if you have a line behind you
  • brandiniman 9 points an hour ago*
Needs to add: Don't hog the KATE, if someone is waiting behind you, don't continue to load 5 more cards. Get in line like a normal customer and don't draw attention.
Hope this helps for those that are new to this method of MS
Cheers


reddit.com/r/churning

domingo, 6 de diciembre de 2015

Coffee consumption rapidly reduces background DNA strand breaks in healthy humans

A discussion on whether decaf would have similar effects was deleted while I wrote this up. TLDR: I suspect dark roast decaf would.
While caffeine's adenosine receptor antagonist activity appears to reduce neural inflammation[1] and block β-amyloid neurotoxicity[2] , with potential benefits in dementia prevention, I suspect the benefits seen in this discussion's study are from the melanoidins produced by roasting, which activate Nrf2 and inhibit NF-κB[3] . Other Nrf2 inducers reduce DNA double strand breaks[4] , as are detected by the comet assay of this discussion's study.
FWIW, I drink 4-5 cups of dark-roast caffeinated coffee brewed through paper filters (to remove the LDL elevating cafestol & kahweol) daily. This is the sweet spot suggested by dozens of papers I've read on coffee health effects.

Unfiltered coffee, such as through a French press, can raise blood cholesterol by 5-15% in otherwise healthy adults. On mobile so cannot source. FYI I drink nespresso everyday at my desk, and not to sound like a corporate shill but that shit is the bomb diggity. 

Everyone knows cholesterol is separated into LDL (bad) and HDL (good) cholesterol. Current research is far more advanced than that and has identified that LDL has small and large LDL. Of those, the small LDL is worse, and of the small LDL, Lp(a) is the worst blood lipid that we know of.
Do we know what type of LDL is being increased with these coffee byproducts?
Edit: After finding the proposed mechanism, I'd guess that we are raising large LDL by drinking coffee, but I don't like guessing.


I found this, which happens to be pretty good.
I'll keep this as simple as I can while remaining thorough.
When we worry about cholesterol, we are worrying about heart disease and stroke. This is caused by a process called atherosclerosis, which is often times referred to as the hardening of the blood vessels. The process can cause an increase in pressure, a vessel blockage, or even rupture. This happens when LDL (bad cholesterol) flows through your blood and enters the wall of the blood vessels. Once inside the LDL it becomes oxidized by a free radical. This triggers your immune system to recruit white blood cells into the area. The white blood cells enter the blood vessel wall and 'eat' the oxidized LDL. So far this is all normal and happens to everyone all the time. Your body then processes the oxidized LDL by pulling it out with HDL, and then the rest of the inflammatory process breaks down and is removed. No harm no foul.
In atherosclerosis your body cannot keep up with the removal of oxidized LDL because you either have too much of it, not enough HDL, or usually both. It's also possible that you could have genetic issues with your immune system, although this isn't fully understood. Then you start creating a buildup known as a plaque. The larger the plaque, the harder your blood vessels get, and the larger it gets, the more it wants to grow.
The large type of LDL (type a) is much less likely to enter the vessel walls and become oxidized. The small type of LDL (type b) is much more likely, with most people believing small LDL is almost the sole force behind atherosclerosis buildup, because of the small types ability to pass through the vessels wall and the large types inability to do so.
Large LDL is increased when you eat things like saturated fats. Small LDL is increased when you eat excess carbohydrates that are processed into fat. Lp(a) is a small molecule inside of you that is very similar to small LDL and is controlled by your genetics. It's usually much higher in people of African descent, and can also be altered both up and down by several liver disorders. Lp(a) is 4 times more likely to correspond to heart disease than LDL levels, but thats still just a correlation. Increased large LDL without increased small LDL has so far been shown to not increase heart disease significantly, or at all. There's a correlation to high triglyceride levels and small LDL, however thats not fully understood yet either.
There is also a couple types of HDL, one of which is active and one of which is much less active.
To lower small LDL, eat less excess simple carbohydrates that will be turned into fat if the energy is not burned. I do not advocate removing carbohydrates completely unless you have very specific health conditions to require it. There is evidence that your body requires a certain amount of carbohydrates for the immune system to work properly, including most importantly the ability of your body to regulate against cancer formation. Uncontrolled diabetes is especially bad in regards to small LDL formation. Exercising has also been shown to both lower total LDL and alter the composition of LDL more towards the less harmful large LDL. Exercising also alters the composition of HDL more towards the more active type, while increasing total HDL. Different cholesterol lowering drugs do different things to your lipid profile, and not all effect the bad LDL as much as the next. The only thing proven to lower Lp(a) is niacin, but its not a drug that is tolerated well by everyone. If you are being treated for increased cholesterol, get a more specific diagnostic test than the typical blood test and match your treatment to what you need.
This is why I continuously advocate against fad diets. We are still finding out a lot about our bodies all the time, and it almost always comes back to the same thing. Everything in moderation, and exercise is extremely important for most systems in your body.
Fun fact: Lp(a) still has no known function even though we produce it genetically. It only shows up in asian/african monkeys and humans which means it probably developed at some point not too long ago to counteract some environmental factor we don't have to deal with anymore, such as a disease. There are other theories as well which are just as interesting to a nerd like myself.