19,624 reputation
962138
bio website pragmaticmoney.ca
location Toronto, Canada
age 40
visits member for 5 years, 7 months
seen 10 hours ago

Husband, dad, computer geek, professional software craftsman, Canadian.

Interests: technology, personal finance, personal productivity, books, music. Within personal finance, specific interests include retirement planning, taxes, investing, self-employment.

I founded the Personal Finance & Money Stack Exchange, and continued as a moderator for 4 years. I resigned my role effective October, 2013 in order to focus more on my family and business.

Twitter: @cwrea    LinkedIn: in/chriswrea    Google+: +ChrisWRea


16h
revised How do I gracefully transition from a standard medical plan to an HDHP with a non-calendar plan year and multiple FSAs?
edited tags
1d
comment Should I convert some of my money into US dollars now?
I'm voting to close this question as off-topic because it is asking for specific investment buy/sell advice. Please refer to the help center for what is on-topic here.
1d
comment How authorization and capture plays a part in crypto currency transfer during an online shop payment?
There is a BitCoin Stack Exchange site for cryptocurrency questions. Meanwhile, please refer to our help center for what is on-topic here.
1d
comment How authorization and capture plays a part in crypto currency transfer during an online shop payment?
I'm voting to close this question as off-topic because it isn't about personal finance.
1d
revised Are Roth 401(k) after-tax contributions at a disadvantage for maximizing employer match money?
edited title
1d
answered Are Roth 401(k) after-tax contributions at a disadvantage for maximizing employer match money?
1d
revised Are Roth 401(k) after-tax contributions at a disadvantage for maximizing employer match money?
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1d
revised Are Roth 401(k) after-tax contributions at a disadvantage for maximizing employer match money?
edited tags
1d
comment Negative Euribor interpretation
I'm voting to close this question as off-topic because it is not about personal finance, but banking practices unrelated to retail/consumer banking.
1d
comment Does anyone offer no interest loans?
@VBCPP From my own experience: With manufacturer auto loans, accepting the "0% financing" often means giving up a significant "cash rebate" (a couple of thousand dollars not being unheard of) so there is actually an implied interest rate buried in those "0%" financing offers. If you could pay $N, but must pay $N+$M to get the "0%" deal, then the $M is, in effect, a finance charge. Math can determine what interest rate it is effectively equivalent to.
2d
revised California LLC statement of information filing (LLC-12R)
edited tags
May
26
revised How does the U.S. wash sale replacement stock rule work?
edited tags; edited title
May
26
revised What factors to consider for deciding between forming an LLC vs taking insurance on rental properties
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May
25
comment Quick and economical way to transfer 1cr from india
(p.s. The mention of an old post that suggests this or that specific service provider as a reason why this question should be fine is a good example of why we don't desire questions that seek specific product/service recommendations: Earlier such answers get stale, and so the same question gets asked again, and again. Where's that old post? Let's close it.)
May
24
comment Quick and economical way to transfer 1cr from india
Questions seeking product/service recommendations are off-topic.
May
24
revised Pros and cons of different methods to transfer money from India to the U.S.?
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May
24
revised Pros and cons of different methods to transfer money from India to the U.S.?
added 41 characters in body; edited tags; edited title
May
23
revised Should I convert from IRA to a Roth IRA based on an online calculator?
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May
23
revised Does 83(b) cause a tax liability when exchanging startup stock for public stock?
edited tags
May
22
revised Are a bond's yield and interest rate the same thing?
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