Nathan’s blog has been moved
June 3, 2008
I’m packing my bags and moving to my own domain. You can now read my latest drivel at http://nathanpbell.com/blog
Sorry for the inconvenience!
When to expect your 2008 stimulus payment
April 13, 2008
Just learned that the IRS has published a list of dates for when you can expect your 2008 stimulus package checks to be sent out.
If you elected to have your 2007 income tax refund direct deposited into your bank account, then you can expect to receive the stimulus payment to be sent (via direct deposit again) on either May 2nd, May 9th, or May 16th, depending on the last two digits of your social security number.
If your income tax rebate check is going to be mailed to you (or you didn’t have an income tax rebate), then the IRS will be mailing your stimulus check out sometime between May 16th and July 11th.
Also, you may want to make sure the IRS has your most recent address on file, and you should change it if they don’t.
Recession be damned, Intrigo’s still hiring.
March 25, 2008
Intrigo’s search for top talent continues. Today we listed openings for three new job positions at Intrigo. You can find them on Silicon Florist’s brand spanking new job board or follow the direct links below.
All positions are full time and are for our new office in Portland. Benefits include health care, 401K with 6% matching, and a grab bag of other little perks.
Web Applications Developer
We would like someone who wants to grow into a project manager/team lead role and has demonstrated at least some skills in that area already. Starts at $55,000/year.
Graphic Designer
From the ad: “You must provide a portfolio to be considered. We design software using standard web technologies, we are not interested in Flash designers. Demonstrated experience working closely with fickle clients is a plus. The ability to convincingly and tactfully defend and fight for a design you know to be good is even better. :)” Starts at $50K
Marketing and Sales
From the ad: “This is a hybrid position for someone skilled in marketing, sales and light project management. You’ll be responsible for generating and following up on leads, making the sale and bridging the ongoing communication between the client and the design/development team.” $30K plus 10-15% commissions.
Warning: I’m about to teach you something about taxes. Most you of won’t care. It’s safest to leave now before the boring reaches dangerous levels.
By the way I’m not an accountant. I’m about as likely to be fully correct on the statements below as Neil Patrick Harris is to correctly diagnose your colon cancer. That won’t, however, stop me from trying.

Doogie Howser: not a real doctor.
Nathan Bell: not a real accountant.
I’ve left out a few details because a) I want to keep the examples simple and b) talking about them won’t change the main point:
For large swaths of givers, charitable donations are not incentivized by the government.
Guess what, my donations don’t make a damn of a difference on my taxes. And unless you pay an obscene amount in mortgage interest neither do yours.
Here’s what I learned: You have two options when you fill out your 1040.
- Option A: Take a standard deduction of $5,350. Every renter does this because it’s simple and gives you a very large deduction.
- Option B: Itemize your deductions. This only makes sense if your deductions add up to more than $5,350.
Only if you chose Option B can you deduct:
- Either state sales tax or state income tax (choose one).
- Mortgage interest payments
- Donations made to non-profits
This has huge tax implications for renters who donate a significant portion of their income to tax exempt entities.
Let’s be generous
Let’s pretend you’re a renter. I’ll also give you the benefit of the doubt and assume you’re a generous person. Last year you decided you were spending way too much money on booze and hookers and you instead donated $4,000 to a worthwhile cause. Las Vegas mourns the lost income. Also, you paid $1,500 in state income taxes.
What kind of break will the government give you for not being such a worthless hedonist this year?
We’ll approximate: most of you with jobs are either in the 15% or 25% tax brackets. That means for every $1 you make above a certain amount you’ll normally be taxed at either 25% (for my friends who majored in engineering) or 15% (for my friends who majored in English). But if that $1 is deductible then it won’t be taxed at all (via income tax, at least).
$4000 donation + $1500 state income tax deduction = $5500 x 25% = $1375 off of your taxes
Wow, your donation just saved you $1375 on your taxes! Except it really hasn’t because you could have always chosen the standard deduction:
Let’s be greedy
What if, instead, you had kept all that money? Forget the children, you want a big screen.
Well then you would have skipped all that deduction nonsense and instead taken the standard deduction of $5350.
($0 donation deduction + $1500 state tax deduction + …) x 0 (You chose Option A, so you can’t claim any of these) + $5350 standard deduction = $5350 x 25% = $1337.50
| Tax credit when you’re generous | $1375.00 |
| Tax credit when you’re greedy | $1337.50 |
| Tax difference for all you generosity | $37.50 |

Greed wins!!!
Even if you own a home your mortgage interest payments have to be approaching $4000 a year before tax incentives for donations kick in.
Does greed win?
So, fine. It seems that the government has stopped incentivizing donations for all but the very rich. But why?
I’m still trying to figure that out. What I’ve found is this:
- The government doesn’t like to give up revenue. We already knew that.
- The government trusts that despite not getting a tax break, you’re going to make that donation anyway. This is backed up by research done here.
- The above research is hardly definitive, as shown here, here and here.
It all revolves around one very important question: what is the price elasticity of charitable contributions? In other words, are people likely to donate more if there is a tax deduction that comes along with it?
If you can answer that, then you can answer an even more important question: is it more efficient for the government to encourage people to donate to non-profits, or to take the money itself to provide additional services and hand out grants?
I know what I hope the answer is, and I intend to learn more about this. Stay tuned.
Stupid fast.
February 19, 2008

The office building we moved into in Portland has a full blown data center upstairs, from which Intrigo leeches Internet for use in our day to day web browsing. The connection is, technically, “stupid fast.”
We, of course, exchange currency for the privilege but it’s not really fair to call this trade agreement between us and our provider a “business transaction.” When one divides the massive width of the pipe that’s sputtering bits at our desktops by the loose change we occasionally toss upstairs to cover our bill you’re left with quite an absurd ratio, the mathematics of which are perverse. If these bits-per-seconds were things that I could bottle up and sell to you at fair market value in Tucson I would want for money no longer.
In the interest of full disclosure I should note that up until this morning I was the only one employed in our Portland office. Today our first new development hire in Portland joined us (and tomorrow our second!). It would follow that with each new addition to our team I will have to start sharing and keep for myself a smaller and smaller fraction of our bandwidth.
I can’t, though, imagine that happening at any appreciable level, barring any major changes to the laws of physics or of OSHA that would concede a generous increase on the limit of allowable employees per square inch.
Discovering new fears.
January 18, 2008
Thanks to Cloverfield, I have discovered anxieties that I was previously unaware I had.
Nathan’s new found anxieties:
- A fear of helicopters, specifically being in one, especially during a giant monster attack.
- A fear of New York City, or of buildings, in general, especially during a giant monster attack.
- A fear of things which, upon biting you, make you explode.
I have a digital music library that is far larger than any reasonable person could hope to manage by themselves. It is ridiculously large, I never expect to listen to it all, and contained in this collection is a not-so-insignificant portion made up of albums that I should be ashamed I acquired at all.
Picking good songs to play from this library quickly devolves into one of two exercises, both with depressingly predictable results: Option 1, The Safe Bet: cherrypick an album from the mental list that I keep that I know I own and like because I’ve already listened to them hundreds of times; and Option 2, Musical Russian Roulette: let the cruel gods of playlist shuffle decide my aural fate, finger located firmly near the skip button in anticipation of the much too prevalent duds.
At what point in my life did I let listening to music become a chore?

Determined not to be a slave to my own music collection I set out for something better, and when I say “something better”, I usually mean something automated. I’m a programmer, and by definition lazy, so I when I do things once I expect never to have to do them again, and picking good music to listen to is no exception.
I found my solution in iTunes Smart Playlists. Within iTunes, I could command my Smart Playlists, or, as I prefer to call them, my small army of music-selecting robots, to craft a special sub-collection of my library that has all of the strengths and none of the weaknesses of my two previous music selection methods. From then on, each morning when I plugged my iPod in for it’s daily sync I didn’t get the usual overplayed tracks or mish-mosh of unwanted crap. Instead, thanks to my carefully crafted and meticulously planned assault on music mundanity, my mornings became pleasant, serendipitous trips through the less played corners of my previously unwieldy album collection. And I was happy! For weeks!
And oh was I proud! Obviously my significant skills in automation were paying dividends into new areas of my life. Or so I thought…
It turns out that the iPod Touch (and iPhone) have a “Smart Playlist bug” that had evaded my perception until just tonight. It’s one of those absurd kinds of bugs: the ones that don’t overtly break anything but instead twists the supposedly “smart” functionality into an at-first-imperceptible perversion of it’s former self.
You see, in my smart playlists I have several clauses that say things like “first select the 5000 songs that I’ve played the most” and “next select 3 gigabytes of my most recently added songs”. I then have other clauses that manipulate these lists in various ways to separate the wheat from the chafe. But! As I discovered just tonight, upon syncing, this sinister bug reprograms my smart playlists so that everywhere I told it most it changes it to least and everywhere I told it least it changes it to most!
The playlists that I had so carefully built; the army of automatons that I had enlisted (commanded!) to pick my songs for me according to the very precise measurements that I had layed out for them, were doing the exact opposite of what I had asked them to do! Unbeknownst to me! For weeks!
Most embarrassingly, though, is that I thought the great music that was being delivered to my iPod every morning was a result of my own clever machinations, when in fact, had the playlists been working as I had designed them, I would have had been subjected to the same crap and cruft that I was trying to avoid in the first place!
Hubris, exposed by my own machines. Touché.

