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Re: Drive a local car, rent for trips ?

You still have not presented any evidence for your statement that "15 passenger vans are extremely hazardous vehicles". Any vehicle where a tire blowout leads to fatalities is extremely hazardous. Then all vehicles are extremely hazardous. It's not hard to find anecdotes to "prove&qu...
by Epsilon Delta
Sun Apr 26, 2015 12:21 am
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 38
Views: 2566

Re: Ethical [Compensation based on sales]

....and this is why it's called "business ethics".... Find another company if it really bothers you; there are enough around that you don't have to compromise that much just to make a living. What compromise has the OP made? As near as I can tell it's simply to be in the same company as s...
by Epsilon Delta
Sat Apr 25, 2015 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 14
Views: 850

Re: Input requested on unwinding accounts my parents opened

The UTMA accounts would normally be taxable to you all along. If you've been filing tax returns and don't know whats in them you have a mess on your hands.
by Epsilon Delta
Sat Apr 25, 2015 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Input requested on unwinding accounts my parents opened for
Replies: 4
Views: 441

Re: Drive a local car, rent for trips ?

OFGS deaths per vehicle is not the proper metric It is deaths per passenger mile traveled. yes that figure is hard to generate but its nonsense to use deaths per vehicle Deaths per passenger mile would be ideal, but deaths per vehicle is less nonsense than relying on anecdotes. You can find plenty ...
by Epsilon Delta
Sat Apr 25, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 38
Views: 2566

Re: Hypothetical "Can he pull the plug?"

Trust me, if I knew there was a severance package coming, I would wait for it. But Megacorp is a savvy bunch, and they seem to prefer doling out tortuous alternate assignments to guys like me--we're expensive to lay off due to multi-decade seniority. Better for the quarterly numbers to encourage us...
by Epsilon Delta
Sat Apr 25, 2015 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hypothetical "Can he pull the plug?" [Retire early]
Replies: 37
Views: 2673

Re: Is this a reasonable way to re-create total market?

Consider what happens if you apply your methodology to three stocks, lets say Apple, Rite Aid, and Monarch Casino and Resort. With the right proportions you can match the M* large, medium and small percentages to VTI. Have you replicated VTI? Does this show the logical flaw with your method? It at b...
by Epsilon Delta
Fri Apr 24, 2015 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a reasonable way to re-create total market?
Replies: 7
Views: 584

Re: Best touristy places to live in the world?

Touristy is kind of a gradient to me. I like a little bit, but not too much. Recently, I went to Prague and it was way too touristy with stupid people riding segways every where and such. I live in Lisbon which is a lot less touristy, but maybe Barcelona or Budapest would be my preference toward th...
by Epsilon Delta
Fri Apr 24, 2015 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 30
Views: 2732

Re: Inherited IRA Options

Interesting options. Since they are both low income right now, would cashing it out, paying the taxes in a lower tax bracket then opening a Vanguad account and investing 80 or 70 percent in TSM and the remainding in bonds be a viable option, so long as that money sits there forever and ever untouch...
by Epsilon Delta
Fri Apr 24, 2015 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA Options
Replies: 15
Views: 524

Re: Hypothetical "Can he pull the plug?"

If were the employee I would wait for my termination notice. I might be surprised with an unexpected "severance package." There is also a chance my job would not be eliminated. Unless there is a significant benefit by "being bold," I'd wait. I agree with Taylor here, for a coupl...
by Epsilon Delta
Fri Apr 24, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hypothetical "Can he pull the plug?" [Retire early]
Replies: 37
Views: 2673

Re: New Water Heater

[ Yep, that's the deal with my tank - 2 rods and 10y warranty. I also wanted to chime in regarding warranties and failure rates. As far as I understand, manufacturers will calculate mean time before failure (MTBF) and set the warranty period appropriately so that >n% of items fall outside of the wa...
by Epsilon Delta
Fri Apr 24, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 38
Views: 2557

Re: Marginal benefit of spending more on car

I think we're just arguing about opinions here. Some people prefer to pay bottom dollar for a plain black-box appliance that takes them from point A to point B. Others prefer a bit more comfort. Then there are people who won't spend less than a certain amount because they can't be seen driving a Ho...
by Epsilon Delta
Fri Apr 24, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4725

Re: MB vs Volvo vs. Other?

The Mercedes diesel will last virtually forever. It's like buying a German tank without a machine gun on the hood. http://en.wikipedia.org/wiki/Tiger_II#Reliability_and_mobility Early Tiger II's proved unreliable, due principally to leaking seals and gaskets, and an overburdened drivetrain original...
by Epsilon Delta
Thu Apr 23, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 45
Views: 3010

Re: Drive a local car, rent for trips ?

15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Consumer+Advisory:+NHTSA+Reminds+Drivers+of+15-Passenger+Vans+to+Guard+Against+Rollover+Crashes+During+the+Warm-Weather+Driving+Season http://stnonline.com/index.php/news/latest-news/item/3468-new-whi...
by Epsilon Delta
Thu Apr 23, 2015 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 38
Views: 2566

Re: Drive a local car, rent for trips ?

15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Consumer+Advisory:+NHTSA+Reminds+Drivers+of+15-Passenger+Vans+to+Guard+Against+Rollover+Crashes+During+the+Warm-Weather+Driving+Season http://stnonline.com/index.php/news/latest-news/item/3468-new-whi...
by Epsilon Delta
Thu Apr 23, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 38
Views: 2566

Re: Becoming Trustee. Do they need my income and net worth?

Carefreeap wrote:It seems really bizarre but these are government regulations!


FINRA is not a government organization. It's regulations are not government regulations.
by Epsilon Delta
Thu Apr 23, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming Trustee. Do they need my income and net worth?
Replies: 32
Views: 2752

Re: Is this a reasonable request for broker?

There is small chance that you can predict the URLs for the statements and have the needed computer skills. If so you may be able to construct a simple batchfile to fetch them all (or more realistically most of them, when I do this there always seems to be a few that I need to get with the browser)....
by Epsilon Delta
Thu Apr 23, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1094

Re: Roth Conversion Benefit

Hello, I would be most appreciative of your collective financial advice about the benefits of converting funds in my IRA to a Roth. I hope the following details are sufficient: Personal: Retired teacher, age 70, Widow Vanguard Target Retirement Income IRA - $125,000 Adjusted Gross Income - $34,964 ...
by Epsilon Delta
Thu Apr 23, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Benefit
Replies: 3
Views: 301

Re: Blacktop Driveway Sealing

They moved in in 1987 , I remember the driveway top layer was almost like peeling and my dad was told the previous owners ... I think she's got her money's worth out of that driveway. Are you worried about the looks or the function? You can probably keep it working indefinitely by filling cracks, b...
by Epsilon Delta
Thu Apr 23, 2015 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1499

Re: Giving Vanguard VTSMX as a Wedding Gift

OP may be intending to gift appreciated property to a couple in a lower tax bracket.
by Epsilon Delta
Thu Apr 23, 2015 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 34
Views: 2417

Re: Teachers: 9 or 12 month salary?

Also, one time I was opening a credit union account, and they wanted a copy of my last pay stub. If the last pay [stub] was several months earlier, I don't know if they would have accepted it. Seems like a good interview test before hiring the credit union. If they (or at least a supervisor) can't ...
by Epsilon Delta
Wed Apr 22, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teachers: 9 or 12 month salary?
Replies: 26
Views: 3345

Re: Teachers: 9 or 12 month salary?

Also, one time I was opening a credit union account, and they wanted a copy of my last pay stub. If the last pay [stub] was several months earlier, I don't know if they would have accepted it. Seems like a good interview test before hiring the credit union. If they (or at least a supervisor) can't ...
by Epsilon Delta
Wed Apr 22, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teachers: 9 or 12 month salary?
Replies: 26
Views: 3345

Re: Home Air Filters

tibbitts wrote:You can't make general statements because it depends how much you use your hvac. Some people run hvac 24/7 (maybe fan-only part of time.) Some run hvac only occasionally. So it could be every month, or every year.

And some people have dogs, or wood shops, or do things that generate dust.
by Epsilon Delta
Wed Apr 22, 2015 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3324

Re: New Water Heater

I'm not sure that logic holds up. Just because something has a 6- or 9- or 12-year warranty doesn't mean it's going to last exactly that long. Yes, there is (probably) some relationship between warranty length and durability ... Or maybe not. If you pay more you can get an extended warranty on exac...
by Epsilon Delta
Wed Apr 22, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 38
Views: 2557

Re: Buying a Car to commute - SUV or Sedan?

Those ARE what the previous owners told me. I'm prone to bad migraine so I need to ask. I am trained as a physicist and gbru316 is an engineer: we have heard about what your contacts have said so more replicable observations are required to render an opinion. I have extensive experience with automo...
by Epsilon Delta
Wed Apr 22, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 37
Views: 2376

Re: Teachers: 9 or 12 month salary?

FYI, I don't think taking 9 month salary *is* a float. That's when you work, that's when you get paid. In contrast, taking 12 months to get 9 months pay is floating the school money. I agree. For historical interest and amusement only you might want to look at the kerfufle that occurred after 2004 ...
by Epsilon Delta
Wed Apr 22, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Teachers: 9 or 12 month salary?
Replies: 26
Views: 3345

Re: MAGI exceed limit - Confirming Roth IRA transfer process

Follow up question. Me and my wife have Roth IRA with Vanguard for couple of years. I have funds in say VTSMX and VGSIX(Just an e.g.) prior to 2014. When I put money in Roth IRA for 2015, I put the money in the same fund on Jan 1st 2015. Say bought VTSMX for 3000 (60 shares @ 50) and VGSIX for 2500...
by Epsilon Delta
Wed Apr 22, 2015 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 12
Views: 930

Re: My professor gave me textbooks I later sold. Taxable?

We need the professors basis (and holding period). To do that we need to ask how the professor got the books. Were they a gift from the publisher to him or are there special rules for free samples? If the professor got the books as a gift his basis would be the publishers basis, which is the publis...
by Epsilon Delta
Tue Apr 21, 2015 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1049

Re: My professor gave me textbooks I later sold. Taxable?

We need the professors basis (and holding period). To do that we need to ask how the professor got the books. Were they a gift from the publisher to him or are there special rules for free samples? If the professor got the books as a gift his basis would be the publishers basis, which is the publish...
by Epsilon Delta
Tue Apr 21, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1049

Re: Can you help me solve this brainteaser about allocation?

(2) you should evaluate your market/risk exposure at any given moment in a vacuum, as if you had just entered the market, rather than in relation to previously experienced/arbitrary high watermarks [which I thought was a rationality trap]. Coming at this from a different angle. (and not directly ad...
by Epsilon Delta
Tue Apr 21, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Can you help me solve this brainteaser about allocation?
Replies: 55
Views: 2698

Re: SS COLA for 2016 not looking good

Atilla wrote:On the flipside - those of us paying the bills and earning over the maximum SS income tax limit maybe won't see yet another SS tax increase. Sweet. :twisted:

That's a different index.

Maximum SS Taxes are indexed to national average wages.
SS benefits in payment are indexed to CPI.
by Epsilon Delta
Mon Apr 20, 2015 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2016 not looking good
Replies: 13
Views: 1739

Re: Marginal benefit of spending more on car

desiderium wrote:Thinking about buying a car triggers a lot of dopamine release in the brain.

I've always found it more an epinephrine event. Or maybe the dopamine is just in a different part of the nucleus accumbens.
by Epsilon Delta
Mon Apr 20, 2015 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4725

Re: Social Security Windfall Elimination Provision

Does that mean even if you are getting $10/month from a foreign pension, you pension get deducted by hundreds a month? http://www.ssa.gov/pubs/EN-05-10045.pdf A guarentee: The law protects you if you get a low pension. We will not reduce your Social Security benefit more than half of your pension f...
by Epsilon Delta
Mon Apr 20, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Windfall Elimination Provision
Replies: 27
Views: 5402

Re: MAGI exceed limit - Confirming Roth IRA transfer process

I have contributed 5500 to Roth IRA for me and my wife (my wife does not work) for 2015 with Vanguard. Does this mean you contributed $5.5K to a Roth IRA for yourself and $5.5K to a Roth IRA for your wife? Because if you also contributed for your wife then she will have to recharacterize her Roth I...
by Epsilon Delta
Mon Apr 20, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 12
Views: 930

Re: thought I understood Roth rules but I guess I don't

I started my first Roth IRA in 2011 by recharacterizing my entire $5700 contribution to a tIRA for 2010. I think I can legally withdraw this year but decided to play it safe and wait until next year. I contributed some new money, but the balance is mostly conversions. I am 66 and semiretired, and s...
by Epsilon Delta
Mon Apr 20, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: thought I understood Roth rules but I guess I don't
Replies: 4
Views: 636

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I'm surprised you're seeing the similar prices for different age houses that are similar in size and all other respects. In my experience new houses are more expensive unless there is some countervailing advantage for the older homes. So perhaps there is something you are not seeing. For example I'v...
by Epsilon Delta
Mon Apr 20, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 16
Views: 1352

Re: Just got contact lenses. Should I buy backup glasses?

Have there been times when your contact lens just popped out at random and you couldn't find it? Are there any tips for carrying glasses with you - like special pocket size glasses cases? It can also happen that a contact lens pops out and you can't properly clean it due to circumstances such as no...
by Epsilon Delta
Mon Apr 20, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Just got contact lenses. Should I buy backup glasses?
Replies: 22
Views: 1005

Re: Does a Backdoor Roth IRA need to be done all at once?

Interesting. So someone can put money into a tIRA or a SEP IRA at several times during the year and then immediately transfer the money into a Roth the next day each time (trustee-to-trustee transfer). <- NO! A rollover is always required when going from traditional to Roth. T-to-T Transfer is an a...
by Epsilon Delta
Mon Apr 20, 2015 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Backdoor Roth IRA need to be done all at once?
Replies: 5
Views: 478

Re: Preparing for the Minimum Required Distribution

PS. I have not been married since 1984, do not plan on marrying again, and have no children. IIRC: If you were married for 10 years you are also entitled to SS on your ex's earning record. If you want to look at changing your SS options this should be in the mix, Probably best to start a new thread...
by Epsilon Delta
Mon Apr 20, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the Minimum Required Distribution
Replies: 38
Views: 2556

Re: One Spouse Outearning the Other?

This topic is particularly relevant to young professional females. For example, I have a female colleague that is doing well financially. Probably earns about $125,000 a year in her very late 20's. Her bf probably makes about $40,000 to $45,000. She has concerns about their future together because ...
by Epsilon Delta
Mon Apr 20, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5216

Re: Contributed to Roth IRA by mistake

You can recharacterize the contribution to a traditional IRA, and then immediately convert the tIRA to a Roth. The "wait till next year" rule for reconversion does not apply. The delay is only required after you recharacterize a convertion . Note that you can't recharacterize the contribut...
by Epsilon Delta
Mon Apr 20, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributed to Roth IRA by mistake
Replies: 3
Views: 352

Re: ROTH 5 year rule

Since you are over 59.5, the non-taxable part of the conversion (most of the $125k) is available to you now. Only the $450 is subject to tax before the 5 year clock is up. I'm pretty sure I understand. The only thing is that the ROTH IRA has only been open for 3 years, not 5 as of this month. I kno...
by Epsilon Delta
Mon Apr 20, 2015 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 5 year rule
Replies: 21
Views: 2526

Re: Does a Backdoor Roth IRA need to be done all at once?

Thanks for the reply. Interesting. So someone can put money into a tIRA or a SEP IRA at several times during the year and then immediately transfer the money into a Roth the next day each time (trustee-to-trustee transfer). Then will the the 1099-R just reflect to total amount contributed and trans...
by Epsilon Delta
Mon Apr 20, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Does a Backdoor Roth IRA need to be done all at once?
Replies: 5
Views: 478

Re: ROTH 5 year rule

What does one have to report on one's tax form? That is, does one have only to report the Roth is a least 5 years old or does one have to give the exact year the Roth began? You don't report either. A qualified distribution (one taken once the Roth is five or more years old and you are 59.5 or more...
by Epsilon Delta
Sun Apr 19, 2015 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 5 year rule
Replies: 21
Views: 2526

Re: Don't come to Europe with a new chip and sign credit car

Smart cards were introduced in France in 1992, chip & PIN. Took more than 20 years for the US to catch up... with chip & signature? So how long exactly will it take to go to chip & PIN? :shock: :shock: :shock: Come on, people, everybody knows how to type a PIN in an ATM machine. How har...
by Epsilon Delta
Sat Apr 18, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 50
Views: 6113

Re: New HVAC

The big issue for me would be the reliability of the existing air conditioning unit. If you need to replace an air conditioning unit in the middle of a southern summer, you'll probably have to stay in a motel for a couple of weeks, while you're getting quotes, and you'll have to wait for them to pu...
by Epsilon Delta
Sat Apr 18, 2015 8:56 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1510

Re: long term capital gain tax vs. roth conversions

Do you make charitable donations? If yes, do you include make those donations with cash after selling shares and realizing capital gains? A more tax efficient way to donate may be to donate the appreciated shares instead. You'd get the benefit of the donation without realizing capital gains. I alre...
by Epsilon Delta
Sat Apr 18, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2343

Re: long term capital gain tax vs. roth conversions

Roth conversion is taxed as ordinary income by fed and state. Not always. For example, NY allows $20k of tax free pension income if you're over 59.5. A Roth conversion counts as pension income. If bobk were in NY state tax would suggest converting at least 20k per year (40k per year if part of the ...
by Epsilon Delta
Sat Apr 18, 2015 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2343

Re: My job says I can't work for anyone else...

"Physician shall engage in the practice of medicine or in the medically related activities only as an employee of XXX unless otherwise authorized in writing by XXX. Physician shall devote full time and attention to XXX's medical practice and affairs. Physician shall not, without the written co...
by Epsilon Delta
Fri Apr 17, 2015 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6068

Re: Federal Tax Bracket Question

Using tax software is the best way to find out what your marginal bracket(s) are. You can download TaxAct for free or for very little. Punch in all your current numbers as a baseline. Increase/decrease your W-2 income by $100 and see how much your tax changes. Increase/decrease your qualified stock...
by Epsilon Delta
Fri Apr 17, 2015 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Tax Bracket Question
Replies: 27
Views: 2215

Re: Tips for Post-College Lifestyle

Otherwise, you're just reverting to the same life you had while you were in HS, IMHO. If you're an adult, than start acting as such. - Ron Acting like an adult means making your own decisions for your own reasons. Giving in to pressure to do what everybody else does so they won't feel bad about the...
by Epsilon Delta
Fri Apr 17, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2764
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