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[34][35]
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» MORE: How to stop gambling and clear gambling debt
There are a number of different gambling blockers available for you to use.
Another free gambling blocker is BetBlocker, which is available to download not only on Windows PC, Mac, iOS and Android, but Linux, Fire OS and Huawei.
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Employees who receive RSUs from their employer can't use them until they "vest"–that is, until they get converted from restricted units to actual shares of stock. At that point, your RSUs will be considered taxable earned income. Your earned income is a simple calculation of the stock price on the day of vest multiplied by the number of shares vesting that day.
While most employee RSU grants vest at a rate of 25% each year over the course of four years, that isn't the case at Amazon. Instead, their on-hire RSU vesting schedule works as follows:
RSU grants awarded during annual performance reviews almost always vest in May and November of each year. They don't necessarily follow an even schedule either, so don't expect 2,000 shares perfectly distributed to vest 500 every May and November. Amazon is one of the few companies that uses the stock value at vest to determine your target compensation band in that current compensation year. Many companies ignore the value at vest and instead determine their award value at grant, regardless of what those shares are worth at vest.
Selling RSUs for taxes. To take this option, sell enough shares to pay off the withholding taxes on the value of your shares. Then, hold the rest of the proceeds in Amazon shares. Keep in mind, you'll get the shares based on their price on the vesting date. This is called a "sell-to-cover" transaction and the default is 22%. Meaning, if you receive 2,000 shares, they will automatically sell 22% of them and send them in for Federal tax withholding. Early in the year, withholding will be slightly higher to cover Medicare and Social Security tax as well, typically 28% total withholdings.
Selling RSUs for cash. That is as simple as it sounds–you'll sell your shares and get the proceeds. Note that this will still incur the default sell-to-cover amount listed above, and it should, so that you don't potentially have a large, unexpected tax bill at the end of the year.
For those who are subject to trading windows, you can only make a change to your tax election during an open window. For more info, you can visit your internal page: www.amazonstock.com
After you've figured out how to collect your RSUs, it's time to decide what you want to do with the money. There are countless investment opportunities worth considering, such as:
Consilio Wealth Advisors is not affiliated with Amazon. While CWA communicates with its clients regarding their Amazon employee benefits, and educates itself on Amazon Benefits, there is no guarantee that the information we have provided is accurate. Amazon employees are encouraged to contact their employer should they have any questions regarding their specific employee benefits. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.
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