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Re: Gaming PC for son, buy or build?

Somewhat simplified. A PC is as fast as it's slowest bottleneck. Before a PC is mass produce some effort goes into making all the bottlenecks the same size. This requires engineering, since there are sometimes non-linear, non-obvious or down right counter intuitive issues. If you build a PC from a d...
by Epsilon Delta
Sat Dec 20, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 35
Views: 1295

Re: Don't be tempted to buy your teen a cheap (old) car, par

A link to the study and not a report of the study: http://injuryprevention.bmj.com/content/early/2014/12/02/injuryprev-2014-041401.full.pdf+html The thread title perhaps comes from reports of the article (perhaps the ScienceDaily.com site). If the thread title had been "Your teen should drive ...
by Epsilon Delta
Sat Dec 20, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 52
Views: 2861

Re: questions about my Roth IRA & the IRS

I started my Roth in March 2011 when I realized none of my tIRA contributions were reducing our 2010 taxes. I think it was because my husband had retired and I was contributing so much to my 401k that our income was real low. I called Vanguard and they suggested I recharacterize my 2010 contributio...
by Epsilon Delta
Sat Dec 20, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: questions about my Roth IRA & the IRS
Replies: 8
Views: 380

Re: In my ETrade DRIP account -- Small amounts of cash pop u

I once had something similar when the broker lent my shares (to a short seller),

Dividends were reinvested, but "payments in lieu of dividends" were not.
by Epsilon Delta
Sat Dec 20, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 6
Views: 495

Re: State tax deducation & AMT

The problem as I see it is the example that I gave of a $2000 deduction creating a $1 tax benefit. Whether it is a caused by rounding calculations, other calculations under AMT such as the capital gains portion, the way the IRS form works, or the way tax software does the computations. The way Turb...
by Epsilon Delta
Sat Dec 20, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: State tax deducation & AMT
Replies: 29
Views: 2403

Re: Theoretical maximum tax deduction

Treating this as a puzzle. His and hers 457(b): 2 * 18,000 His and hers educator credits ??? If over age 50 there are catch up contributions His and her 401(k) catchup 2 * 6,000 His and her IRA catchup IRA 2 * 1000 403(b) catch up ??? not sure how this works. Do we allow foreign earned income exclus...
by Epsilon Delta
Sat Dec 20, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Theoretical maximum tax deduction
Replies: 3
Views: 326

Re: Help Needed ETF Picking: Tax Implications

5. In the future, if you feel you must get rid of VV, IJH, and IJR, then you may have opportunities to do so without paying taxes on them: d. If you are (or get) married and family income stays at the 90k level you may have a few thousand of 0% capital gains tax. e. You may have a low income year (...
by Epsilon Delta
Sat Dec 20, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Needed ETF Picking: Tax Implications
Replies: 3
Views: 231

Re: Don't be tempted to buy your teen a cheap (old) car, par

In a newer car, they're more likely to have Bluetooth and voice activation for phone calls. ... There is the fact that certain risky behaviors increase in counterintuitive ways. It's been pretty convincingly demonstrated that hands free phones are not safer. The limitation is not that we only have ...
by Epsilon Delta
Sat Dec 20, 2014 12:48 am
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 52
Views: 2861

Re: Don't be tempted to buy your teen a cheap (old) car, par

But as far as the article goes I'm not convinced. This seems like this is not particularly thorough research if you look at the source material. Who knows what kinds of confounding factors are out there. Not saying it's wrong, just that this is pretty surface level research. If the conclusions do n...
by Epsilon Delta
Fri Dec 19, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 52
Views: 2861

Re: Gas Prices ($1.99) in North Texas

I've never understood this "I want a V8". Power, torque, acceleration, quarter mile time; wanting those I can understand, but geometry, and its not even stellated dodecahedron! Seriously if you want a V8 put one of these in a moped.
by Epsilon Delta
Fri Dec 19, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 34
Views: 1977

Don't be tempted to read articles by people who can't reason

In order to determine if older cars are more dangerous you need four pieces of information: 1) Number of accidents in older cars. 2) Number of accidents in newer cars. 3) Exposure (number miles driven or similar) in older cars. 4) Exposure in newer cars. They could at least try but no, they only gat...
by Epsilon Delta
Fri Dec 19, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 52
Views: 2861

Re: Effect of 0.79 correlation: fantasy vs. reality

nisiprius wrote:Your portfolio has a market value, and that market value is described by return and standard deviation.

Well that's one theory.
by Epsilon Delta
Fri Dec 19, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Effect of 0.79 correlation: fantasy vs. reality
Replies: 50
Views: 2931

Re: Performed backdoor Roth and accountant did not file 8606

In other words, if an annual statement, 1099R or 5498 is correct, do I have to keep it? L. The IRS's view is below. I am not sure of the status of the IRS instructions. There may be gross overreach here, but how would a taxpayer know for sure? If you're well organized you will not want these record...
by Epsilon Delta
Fri Dec 19, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 47
Views: 3050

Re: Performed backdoor Roth and accountant did not file 8606

I'm not so sure because I can't think of a convenient method to allow the conversions in one case and not allow them in the other . Different rules for taxable and non-taxable part of the conversion; maybe an AGI limit that would convert a non-taxable conversion to a taxable one, something like set...
by Epsilon Delta
Fri Dec 19, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 47
Views: 3050

Re: Charitable Contribution from IRA

In 2013 the extender allowed QCD made in early 2013 to count for tax year 2012. Did anything similar happen this time?
by Epsilon Delta
Fri Dec 19, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 39
Views: 1352

Re: VWINX declining, any ideas why?

If you don't believe dividends matter, then you don't believe Mr. Bogle's future TR= initial dividend + growth of dividend + speculative return (PE expansion/contraction) Can you give a cite for that? I can believe Mr. Bogle said that, but he either didn't mean it literally or he has changed his mi...
by Epsilon Delta
Fri Dec 19, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3663

Re: Correlations of Risk Factors in Down Markets

Select the times that all of them go down, and calculate the correlation for those periods. Well then you will certainly get a higher correlation, but that is because you specifically chose periods where they were highly correlated. :confused Exactly. A crisis defined as a time when every thing goe...
by Epsilon Delta
Fri Dec 19, 2014 2:24 am
 
Forum: Investing - Theory, News & General
Topic: Correlations of Risk Factors in Down Markets
Replies: 22
Views: 1240

Re: Home battery storage

So I decided to try the 9v battery firestarting technique - went to the garage and got some steel wool, intending to walk out to the driveway and set it on fire. It's a good fire starter, but I don't think it will light a driveway. You need LOX for that. :twisted: Edit to add: I guess we won't get ...
by Epsilon Delta
Thu Dec 18, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 1919

Re: Trad IRA --> Roth in anticipation of backdoor Roth, or w

If your future income is higher than todays, it's not likely your future tax rate will be lower, and it's possible it will be higher. That suggests that if you intend to do a backdoor Roth after your income increases, then converting now may be better, and shouldn't be worse, than converting later.
by Epsilon Delta
Thu Dec 18, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trad IRA --> Roth in anticipation of backdoor Roth, or wait
Replies: 4
Views: 370

Re: myRA up and running, but worth it?

There's no opportunity to let it sit there once it's full. Correct. In order to keep the myRA account for the maximum amount of time, you would have to stop contributing to the myRA well before reaching the $15,000 limit. Of course, the cap could always go up later, so there is always that. You can...
by Epsilon Delta
Thu Dec 18, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1892

Re: Tax Loss Carryover Schedule D

If you used tax software last year (a) the worksheet may be there and printable and (b) the carryover amounts should roll forward to this year's return. The carry forward to 2014 does not appear explicitly on the IRS's 2013 worksheet. It's certainly possible for a tax preparer to add value with a p...
by Epsilon Delta
Thu Dec 18, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 699

Re: Home battery storage

be very careful with 9 Volt battery storage: https://www.youtube.com/watch?v=CnVDayI-gwI Why is it only "9 Volt batteries that have this problem"? I can see more likely, but not only. Sure, but in this case "more likely" may be a couple of orders of magnitude. A large enough qua...
by Epsilon Delta
Thu Dec 18, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 1919

Re: Replacement Car Savings

The cost of car maintenance and the life span of a car are not always directly related to mileage. Some things wear out from time rather than use. Reducing mileage from small to tiny may not save anything. What does help is reducing usage that is hard on the car such as short trips (that don't allow...
by Epsilon Delta
Thu Dec 18, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Replacement Car Savings
Replies: 11
Views: 1470

Re: Correlations of Risk Factors in Down Markets

I agree with nisiprius. Look at it this way. A crisis is defined as a time when everything goes down. Even if everything is an uncorrelated random walk then by chance sometimes everything will be down at the same time. If you only look at the periods when everything goes down, you'll find that durin...
by Epsilon Delta
Thu Dec 18, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Correlations of Risk Factors in Down Markets
Replies: 22
Views: 1240

Re: A puzzle about Social Security

I think this is more a matter of personal taste in programming. With faster computers, I can code the MC and run it faster than you can construct your big matrix and with enough points to make the stat noise negligible. I totally agree with your matrix approach, but also assume that we might after ...
by Epsilon Delta
Thu Dec 18, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: A puzzle about Social Security
Replies: 46
Views: 3511

Re: myRA up and running, but worth it?

Note that it's only available to those ... whose employers do not offer their own retirement plan, like a 401(k) or 403(b). Where do you see that? (The rest I agree with). It says "it is a good option for people without access to employer-sponsored retirement savings plans" but I can't se...
by Epsilon Delta
Thu Dec 18, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1892

Re: myRA up and running, but worth it?

Whoa, I thought $15k was the max total in principal, but that it could still grow past it... but now I see the max balance is $15k, which means we need to regularly do IRA transfers? I dunno. Does not sound worth the hassle to me. So just put in $14k. It'll take several years at present rates befor...
by Epsilon Delta
Thu Dec 18, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1892

Re: Tax Loss Carryover Schedule D

The carryover isn't on any one line of the prior years return, but it is calculable by combining several. Use the Capital Loss Carryover Worksheet in the Schedule D instructions. I don't think the 2014 version is out yet, but the 2013 version should be close. Even if line numbers have changed you sh...
by Epsilon Delta
Thu Dec 18, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 699

Re: Yahoo mail

So ... bottom line, changing an e-mail address is out of one's control. Now, I check TWO e-mail addresses. Those who e-mail me at Yahoo don't hear back from me (or don't hear back from me in time). But that does not appear to be impacting the Yahoos who mail me there :oops: Set the Yahoo account to...
by Epsilon Delta
Thu Dec 18, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 1902

Re: myRA up and running, but worth it?

There will be a few bogleheads who use this to put $14,500 in the G fund. That's probably worth a few hundred a year over the alternatives. We see plenty of cases of jumping through smaller hoops for a lot less.
by Epsilon Delta
Thu Dec 18, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 31
Views: 1892

Re: Effect of 0.79 correlation: fantasy vs. reality

It's not of much practical interest for individual investors, but in theory there is no reason to restrict an allocation to the range 0 to 100%. Plotting the rest of the curve shows shows if the arbs should get to work. A correlation of 1 with different returns is a perfect arbitrage. It's quite val...
by Epsilon Delta
Thu Dec 18, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Effect of 0.79 correlation: fantasy vs. reality
Replies: 50
Views: 2931

Re: Ski questions from a Southerner

For one day, I would buy long johns and wear jeans over them. Besides that, I would not even go the first time for one day. One will need good gloves or mittens, good hats and probably good goggles in addition to one's blue jeans. Anything but jeans, more generally anything but cotton. If you wear ...
by Epsilon Delta
Thu Dec 18, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 32
Views: 2026

Re: Social Security implications when dividing up income

For the OP, at this point in your lifecycle, I think splitting income is wise, as SS uses the highest 30(?) years of income as a basis for benefits. SS uses the 35 highest (index adjusted) years to calculate retirement benefit. This brings an interest wrinkle. If you work for say 40 years then 5 of...
by Epsilon Delta
Thu Dec 18, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security implications when dividing up income
Replies: 17
Views: 1915

Re: What desktop should I buy.

Thanks for all the replies. I'm not very tech-savvy so I cannot build my own desktop. Our current laptop is slow, though still works marginally ok. My major hassle with it is that it takes forever to connect to the internet (wireless connection) and most times require 2 or 3 reboots. And I think mo...
by Epsilon Delta
Wed Dec 17, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2479

Re: SS Delay Question

Because of the the COLA pension, I'd check if the Government Pension Offset or Windfall Elimination Provision applies.

Does the pension come from a job that was not covered by SS?
by Epsilon Delta
Wed Dec 17, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Delay Question
Replies: 14
Views: 1584

Re: Odds of portfolio survival = 90%; odds of my survival =

Portfolios don't have an infinite projected life. They have an increasing failure rate as the planning horizon increases. A portfolio with an expected 10% failure rate at the 30-year mark will reach 20%, 30%, 40%, etc., failure rates at longer horizons. Victoria I see we crossed in the post, above ...
by Epsilon Delta
Wed Dec 17, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9642

Re: Which is the better option: 457 or Taxable ETF?

You just mentioned tax brackets. One of the advantages of tax deferred is that it allows you to arbitrage tax rates -- taking a tax deduction at say 25% and paying 15% later. The fact that you have a low effective rate is only partially information. It suggests that you may have a low marginal rate ...
by Epsilon Delta
Wed Dec 17, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option: 457 or Taxable ETF?
Replies: 11
Views: 692

Re: Planning next year Roth conversion (child tax credit)

I believe EITC is also in play in your situation. One child MFJ, the AGI limit is ~$44k. Sorry can't help with the details. Because the savers credit is higher with the lower AGI, a mere $6k difference in AGI results in a $1k difference ... Looks like shooting for $36,600 AGI is the best scenario! I...
by Epsilon Delta
Wed Dec 17, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning next year Roth conversion (child tax credit)
Replies: 10
Views: 697

Re: Odds of portfolio survival = 90%; odds of my survival =

A portfolio may have a 10% failure rate for a 30-year duration and, say, a 40% failure rate for a 50-year duration . The latter case is consistent with a combination of a healthy economy and health advances. Delayed Social Security, I-Bonds, TIPS, inflation-indexed pensions and SPIAs significantly ...
by Epsilon Delta
Wed Dec 17, 2014 1:19 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9642

Re: Paying Estimated Taxes, Due Date, Paying Monthly/Online?

I've got online accounts set up at both the federal and state IRS. When I do my yearly taxes, I go ahead and figure out what my minimum withholding will be to avoid a penalty for the next year, log on to the IRS online accounts, and set up 4 quarterly withdrawals from my bank checking account to th...
by Epsilon Delta
Wed Dec 17, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Estimated Taxes, Due Date, Paying Monthly/Online?
Replies: 17
Views: 1675

Re: Paying Estimated Taxes, Due Date, Paying Monthly/Online?

For those who set up automatic quarterly payments what dates to you use, middle of the quarter etc.? It was pointed out to me that if the payment is due lets say by Sept 15th for the Jun-Aug quarter and you pay on Sept 1 that payment could mistakenly be applied to the Sept-Dec quarter and thus you ...
by Epsilon Delta
Wed Dec 17, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Estimated Taxes, Due Date, Paying Monthly/Online?
Replies: 17
Views: 1675

Re: Odds of portfolio survival = 90%; odds of my survival =

1. Some risks are in my control, and some risks are not. I can control my asset allocation, including shifting some of my assets to income. I cannot control the solvency of the American government or natural disasters. 2. For the risks that are in my control, I want my Liability Matching Portfolio ...
by Epsilon Delta
Wed Dec 17, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9642

Re: Got Stock option with a new job - Is it good ?

I'll recommend "Consider your options" by Kaye Thomas. Probably more than you need to know but certainly everything you need to know. Available through the Amazon link at the top of the page. ^
by Epsilon Delta
Tue Dec 16, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Got Stock option with a new job - Is it good ?
Replies: 9
Views: 1197

Re: What desktop should I buy.

Unless you've changed what you use it for a 3 or 4 year old laptop should not be slow. I suspect there is something particular wrong with it*. It's hard to diagnose at a distance but there is a decent chance that a clean install of windows (or Linux) would make it quite usable. If this is the case t...
by Epsilon Delta
Tue Dec 16, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2479

Re: Social Security implications when dividing up income

85K + 20K $1833 + 766.50 = 2,599.50 95K + 10K $1920 +468 = 2,388.00 In the last two cases the lower is less than half the higher. That means spousal benefits are in play so we have something like: 85K + [20K] $1833 + $916.50 = 2,749.50 95K + [10K] $1920 + $960 = 2,880.00 Perhaps you can add 105K to...
by Epsilon Delta
Tue Dec 16, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security implications when dividing up income
Replies: 17
Views: 1915

Re: Upcoming distributions and TLH

This part of managing my own portfolio is the most time consuming and anxiety-inducing. Can anyone provide me some comfort here!!!?!? The comfort I find is that my previous Adviser never gave tax considerations a second thought, so being tax conscious is certainly an improvement upon that attitude....
by Epsilon Delta
Tue Dec 16, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1304

Re: Social Security implications when dividing up income

Based on the resounding lack of responses, I'm guessing that this topic is not terribly relevant for most people. It's not so much irrelevant as so darn tricky I have no idea where to begin. It might (or might not) help to know your wage history up to now. You could get these from the SSA. Note tha...
by Epsilon Delta
Tue Dec 16, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security implications when dividing up income
Replies: 17
Views: 1915

Re: A perfect profession

technovelist wrote:Sounds like a perfect profession for "This Perfect Day" (http://en.wikipedia.org/wiki/This_Perfect_Day).

Also Venus Inc. by Frederik Pohl.
by Epsilon Delta
Tue Dec 16, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: A perfect profession
Replies: 58
Views: 5330

Re: Better Costs: ETFs or Admiral Shares?

http://oi60.tinypic.com/286twt4.jpg Above is a chart of the closing price of Vanguard Total Bond Market ETF minus 7.57 * the NAV of Vanguard Total Bond Market Admiral shares. I believe the 12 strong monthly peaks show the difference between accruing interest on the admiral shares and rolling it int...
by Epsilon Delta
Tue Dec 16, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3756

Re: Better Costs: ETFs or Admiral Shares?

This is called daily accrual dividends and some bond mutual funds have it. I believe it's impossible to do it with ETFs because of how they're held/accounted, so no ETFs, bond or otherwise, have this feature. I don't quite know why daily accrual is desirable for bond mutual funds Accrual avoids &qu...
by Epsilon Delta
Tue Dec 16, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3756
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