Saving log - $0
Spending log - $1.75 coffee
Found money - $0.10 (sidewalk) + $0.03 (under table on Safeway floor)
Saving log - $2 tip box
Spending log - $1.75 coffee + $9 grocery
Found money - $.01 (bus floor)
Tax guy helped me decide whether to sell the stock for the tax loss. It turns out that since I haven't converted any Roths, my salary hasn't increased enough (that 2% only begins in October), the interest rate on savings and the cash I'm holding sucks, and I've pre-paid for 2 quarters of taxes already ... My stock sale will only generate 300$ of refund. "Sell it if its important for you to not hold it," he said, "but on the tax side, it might be more strategic if you sell it later. At least wait until Dec 29 if you do."
Then I asked whether I need to pre-pay taxes for the other two quarters. Nope, I have definitely pre-paid enough for this year. I might well get a bit of a refund during tax season 2010.
no need for the stock sale