Author Archives: Michael Koby

You’ve probably heard the saying “Perfect is the enemy of good” and maybe you’ve even said it yourself a time or two. You may have also been in a situation where you’re working on something and a boss keeps asking you about fringe cases, those events that will only happen to an extremely small number of users or records. I’ve been in that latter situation more times than I would like to admit, but early on I came up with a method for dealing with such situations. Continue reading →

It is not called “How much money I have in the bank or investment accounts” tax. If I save up millions of dollars and then put that into an investment account and earn interest I’m paying taxes on the interest, not what I already had in the account. This is a gross oversimplification of what’s commonly referred to as capital gains, and the capital gains tax (which is, I believe, at 15%) is how this is taxed. The tax code currently views capital gains differently than regular income (what you get in a paycheck). Continue reading →

It is not called “How much money I have in the bank or investment accounts” tax. If I save up millions of dollars and then put that into an investment account and earn interest I’m paying taxes on the interest, not what I already had in the account. This is a gross oversimplification of what’s commonly referred to as capital gains, and the capital gains tax (which is, I believe, at 15%) is how this is taxed. The tax code currently views capital gains differently than regular income (what you get in a paycheck). Continue reading →