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Re: Conventional IRA to Roth IRA conversion bef 401K transfe

The pro-rata rules use the value of IRAs at the end of the tax year, December 31st. If the custodian to custodian transfer is complete before then your plan fails.
by Epsilon Delta
Sat Aug 30, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conventional IRA to Roth IRA conversion bef 401K transfer
Replies: 2
Views: 131

Re: The Power of Zero: Controversial New Book About Taxes

Right if you only have 8 years of no income (63-71) and can only convert up to $20k per year at no taxes, that's an IRA of under $200k. I calculated a conversion of something like $68K a year in some cases with no tax. Get some spouse, kids, etc. and really do this right. $20k already includes the ...
by Epsilon Delta
Sat Aug 30, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 37
Views: 3441

Re: Emerging markets 1900-2013

What you may be seeing is an institutional (mutual fund, pension fund, etc.) access premium. The primary stocks available to institutions are large cap developed markets stocks. The stocks not available to these investors due to liquidity, % ownership rules and impact on overall performance are sma...
by Epsilon Delta
Sat Aug 30, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 49
Views: 4110

Re: Wifi lights and light switches

50 mbit/s is pretty low throughput, considering that N protocols can go up to 230 mbit per second. How much bandwidth do you think you need to run a network of light bulbs? 10 kilo bits per second should be more than ample. If the spectrum is so crowded the light bulb network won't work, nothing at...
by Epsilon Delta
Sat Aug 30, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 9
Views: 794

Re: The Power of Zero: Controversial New Book About Taxes

You defer as much as you can and pay low taxes while working. Then you retire early and pay no taxes on Roth conversions. Then when you start receiving SS, you pay no taxes because by that time you only have Roth IRAs. With such a strategy, you will come no where close to paying ACA tax on investme...
by Epsilon Delta
Sat Aug 30, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 37
Views: 3441

Re: Wifi lights and light switches

A year or so ago I looked at some Wi-Fi enabled LED bulbs that had a standby power consumption of 2W. This may not seem like much, but it's over 16kWhr per year, perhaps $2 to $3 and, under plausible duty cycles, more energy than would be used to generate light. You'd notice it on your electric bill...
by Epsilon Delta
Sat Aug 30, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Wifi lights and light switches
Replies: 9
Views: 794

Re: Tax loss harvesting

It turns out that TLH is easier with Vanguard mutual funds than with ETFs. Thank you, finally, for that concession. (Practically everything is easier with mutual funds. 8-) ) --Peter It took a change in the law so that Vanguard was forced to keep track of individual tax lots for one's mutual funds....
by Epsilon Delta
Fri Aug 29, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 32
Views: 1464

Re: SS Benefits

Be careful, if you make too much in the eye of the beholder, your benefits will be reduced: http://www.ssa.gov/pubs/EN-05-10069.pdf How much can you earn and still get benefits? If you were born January 2, 1943, through January 1, 1955, then your full retirement age for retirement insurance benefit...
by Epsilon Delta
Fri Aug 29, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 809

Re: Roths and Roth Converstions re tax Planning

Usually there is little difference between making a $1000 Roth contribution and making a $1000 traditional contribution and in the same year doing a $1000 Roth conversion. The main difference is if you will be taking non--qualified distributions within 5 years, but this usually won't matter to someb...
by Epsilon Delta
Fri Aug 29, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Roths and Roth Converstions re tax Planning
Replies: 16
Views: 918

Re: Trying to understand the 1040 Tax Table

Marginal tax rate is useful for some decisions. Effective tax rate is useful for others. As an example of the latter, consider the Roth vs Traditional decision. While you typically get a tax break at your marginal rate when contributing to a Traditional Account, if you have no other sources of inco...
by Epsilon Delta
Thu Aug 28, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2220

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

10. Why is my final payment larger than my regular monthly payment amount? The amount of your final payment can vary depending on your payment history, and may include any amount past due, plus other previously assessed unpaid fees. This amount is also impacted by your payment history. Your account...
by Epsilon Delta
Thu Aug 28, 2014 2:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 999

Re: .com rather than .gov, lesson learned

If it is a paid search term result on Google you could report it to the Google abuse department as misleading, that could cause their adwords account to be suspended (if google agrees with you) If it's not a paid search you should still report it to Google, as a suggestion that this would be a good...
by Epsilon Delta
Thu Aug 28, 2014 1:31 am
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2425

Re: .com rather than .gov, lesson learned

If I understand correctly the OP has typed a whole bunch of personal information into somewhere.com thinking it was somewhere.gov. He is worried that whoever controls somewhere.com will misuse that information. I believe this is a reasonable fear since the owner of somewhere.com is already engaged i...
by Epsilon Delta
Wed Aug 27, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2425

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

You've given some information about the contract so kudos for that, but you will also want to look for any fees for making multiple payments per month or for paying off early. If your making payments at least monthly it matters how much you pay rather than the schedule. Paying $300 on the 1st and 15...
by Epsilon Delta
Wed Aug 27, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 999

Re: Best way to refinish a garage floor

A curiosity: In an industrial setting I've noticed that epoxy covered floors cause much worse electro-static discharge.* Every time you leave a vehicle you get a shock. I don't know if this would be a problem in a residential garage, where you're only driving a few feet instead of tens of feet. &quo...
by Epsilon Delta
Wed Aug 27, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1445

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

thenameishersch wrote:Anyone know of dealers that let you take the car to the freeway? Many thanks.

I do, but it would require a trip to NY. They all encouraged tests on a freeway, even when I wasn't interested since I'd already done that, just wanted to check a few things I'd missed. Have you considered a rental?
by Epsilon Delta
Wed Aug 27, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 3948

Re: Emerging markets 1900-2013

Where is Argentina, which has had a stock market since 1854? Not in their database. How sure are we that there has never been a time when these stock markets looked like "emerging markets?" In 1900 Argentina looked more like a developed country, where it would have taken quite a few basis...
by Epsilon Delta
Tue Aug 26, 2014 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 49
Views: 4110

Re: Auto accident today

+1 You might phone the police and ask, just to cover yourself in case accidents need to be reported, but my guess is no injuries, no need. Many states require police reports to be file if the property damage is over a fairly small threshold. In CA it's $750, NY is $1,000. Given the cost of car repa...
by Epsilon Delta
Tue Aug 26, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Auto accident today
Replies: 33
Views: 2557

Re: Cash in Safe Deposit Box..??

Pop-Tarts Sealed in foiled packages and do not need refrigeration. Just curious. How do raw Pop-Tarts taste? I'd rather have Hostess pies and cup cakes. But no Twinkies. They're overrated IMO. If you're worried about taste it is not an emergency. I use peanut butter for emergency rations since I wo...
by Epsilon Delta
Tue Aug 26, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 60
Views: 3776

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Epsilon Delta
Tue Aug 26, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2687

Re: Trying to understand the 1040 Tax Table

The tax tables exist simply because a long time ago we had to do arithmetic by hand. Since most people are bad at arithmetic this raised the error rate on tax returns to an unacceptable level. So the IRS pre-performed the calculations need by 99% of the population and put them in tax tables. Now tha...
by Epsilon Delta
Mon Aug 25, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2220

Re: Banking on VPN or off for Man in the Middle issue?

Ideally you would not get the banks certificate over the net, but via a completely different path. If banks were doing it right the public key would be engraved in granite in every branch. for some reason it isn't.
by Epsilon Delta
Mon Aug 25, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 10
Views: 986

Re: Earthquake Preparedness

I'm surprised that vineyards seemed unprepared for this, judging by all the broken barrels and bottles. A lot of brick buildings got hammered too. Yes, it's easy to say, You should have done that, but zillions of bottles worth a lot apiece, and no provision for an earthquake - what were they thinki...
by Epsilon Delta
Mon Aug 25, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1994

Re: Earthquake Preparedness

I'm surprised that vineyards seemed unprepared for this, judging by all the broken barrels and bottles. A lot of brick buildings got hammered too. Yes, it's easy to say, You should have done that, but zillions of bottles worth a lot apiece, and no provision for an earthquake - what were they thinki...
by Epsilon Delta
Mon Aug 25, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1994

Re: POLL: Age for Collecting Social Security Benefits

If I had to guess, I'd bet (hope?) that it's just a miscommunication (i.e., the people who chose "after 70" meant "after the birthday at which they reach age 70"). There are a few corner cases where earliest eligibility can be after age 70. There are various reasons that can pre...
by Epsilon Delta
Mon Aug 25, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7358

Re: No room on your Windows hard drive? Cleanup Update files

WOW got rid of almost 7G of junk. How often should a person do this? At a nickel a GB, you recovered 35 cents worth of disk space. How often do you think you should do that? Disk space is so cheap that there is an argument to be made to never delete anything ever. Have you ever deleted something pe...
by Epsilon Delta
Sun Aug 24, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3194

Re: Currency risk for australian investor

Total international does not have exposure to US dollars. The unit of account does not matter. What matters is where it's invested and whether the investment is hedged. Total International is not hedged and is invested in Euro, Pounds, Krona etc.
by Epsilon Delta
Thu Aug 21, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Currency risk for australian investor
Replies: 6
Views: 398

Re: Good place to buy eyeglasses without insurance?

BTW, does anyone know if I can use my FSA funds for another pair of glasses in the same calendar year? I can't see any reason not to. I've had multiple pairs of glasses in a year (e.g. regular and safety glasses or regular and prescription sun glasses). I've also got an extra pair in December when ...
by Epsilon Delta
Thu Aug 21, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2209

Re: Why only stocks in a taxable account at retirement?

I do, and plan to continue to, intermix stock and bond funds. (note. my taxable bonds will only be I-bonds). My rationale for holding various asset classes in each location is that I am not going to follow the 1, 2, 3 model you presented and want to be able to maintain my asset allocation. To me ma...
by Epsilon Delta
Wed Aug 20, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1841

Re: Driving Trip Planning

Agreed that construction delays can throw a wrench, so plan on the low miles side per day just in case. Motel booking at noon on the way... An idea, but I don't have a cell phone and I'll be driving alone . But I'm amazed that there isn't something akin to what I seek already in existence. Seems li...
by Epsilon Delta
Wed Aug 20, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1635

Re: Tract Home - Things to Watch During Construction

There are two different conversations going on here. One is what features you would like when you design the house. The other, which I think is closer to the OP's question, is how do you ensure that a house is built according to the design, i.e. how do you supervise the actual construction. One thin...
by Epsilon Delta
Wed Aug 20, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3164

Re: About to Order my first Mini Cooper S

At least on my wife's Subaru it has the automatic transmission with a pseudo manual option, but the Subaru engineers idiot proofed all the fun out of it. By golly, if I want the engine to be running at 7000 RPM while going 30 MPH I should be able to shift into a gear for that. It's not only automat...
by Epsilon Delta
Wed Aug 20, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1207

Re: Any reason I should not pick the admiral funds equivalen

Has anybody tried an initial purchase of investor shares for an amount over the admiral minimum? I would be surprised if Vanguard did not upgrade immediately. As far as downgrading when you go below the minimum. I've had it happen as a result of selling shares but it took almost a year and I got sev...
by Epsilon Delta
Wed Aug 20, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1667

Re: Wash D.C. speed camera - how accurate?

We got tagged on K street as you go into the city under Washington circle. It is a divided roadway with no pedestrians permitted. 38 in a 25! ouch. This spot is clearly a revenue seeker and I imagine there are others. We just paid it. This spot is within a thousand feet of a crosswalk.* Changing th...
by Epsilon Delta
Wed Aug 20, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2410

Re: Should non-vested retirement assets be treated different

If you have ongoing opportunities for other jobs, and those jobs have terms that, apart from the non-vested assets, are better than you're current job it might make sense. Particularly if the vesting is many years off. Consider this example. I work for minimum wage, but at the end of the year I get ...
by Epsilon Delta
Tue Aug 19, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Should non-vested retirement assets be treated differently?
Replies: 8
Views: 448

Re: Pressure Cookers?

Don't know about other countries, but these are/were pretty popular in India (though I have no idea how much of a market share they've lost to microwaves). I believe there are something like 400 million Indians without electricity. A pressure cooker is well suited to third world conditions. Relativ...
by Epsilon Delta
Tue Aug 19, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3280

Re: Online property tax payment lost

Town property taxes where I live are a whole other thing. A couple of years ago they started taking online payments, but charged a substantial fee (hundreds of dollars.) This year they changed to $40 a quarterly payment. For $160 a year, I will write and mail a check. It would be tempting to spring...
by Epsilon Delta
Tue Aug 19, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1397

Re: Is a 16% expense ratio technically possible?

I once had a 401(k) prospectus that listed a target retirement fund with a 75% expense ratio. I almost choked since this was a fairly good 401(k). It turned out this was a new and very small fund. Apparently a smallish startup cost had been attributed to the fund before it had 401(k) members assets ...
by Epsilon Delta
Tue Aug 19, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1491

Re: HUFF POST: How Financially Literate Is the Investing Pub

It's hard to say what should be first and what should follow . If both illiteracy and innumeracy are equally damaging, flipping a coin is better than being paralyzed by indecision. ... Agree they are equally damaging. But if they can't read the instructions in the first place...? Illiteracy and inn...
by Epsilon Delta
Tue Aug 19, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4619

Re: Bad(?) advice given about Target Date Retirement funds

I used to try to make the same point, which was also routinely ignored. I always thought this was incorrect advice, because if you follow it, even if the AA matches what you want NOW, the glide path will throw you off very quickly, and will reduce stock percentages either too fast or too slow (depe...
by Epsilon Delta
Mon Aug 18, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6356

Re: Question about Tax Advantaged/Taxable Best Strategy

I have a real financial problem that I'm trying to get a handle on. This discussion is not theoretical for me at all. I have a iIRA. I'm creating a new taxable account from the proceeds of the sale of a property. I want to maintain a certain stock/bond mix. Conventional wisdom says to put all bonds...
by Epsilon Delta
Mon Aug 18, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Question about Tax Advantaged/Taxable Best Strategy
Replies: 44
Views: 2616

Re: Is buying two SUVs a sane/good financial move?

While it is true that 1000 lb or 5000 lb is pretty much the same against a 100,000 lb truck, the only collision the same as a fixed barrier is head-on collision of cars of equal mass. Look at the collision in the frame of reference moving with the center of gravity of the two vehicles. The much lar...
by Epsilon Delta
Mon Aug 18, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3709

Re: Is buying two SUVs a sane/good financial move?

While it is true that 1000 lb or 5000 lb is pretty much the same against a 100,000 lb truck, the only collision the same as a fixed barrier is head-on collision of cars of equal mass. Look at the collision in the frame of reference moving with the center of gravity of the two vehicles. The much lar...
by Epsilon Delta
Sun Aug 17, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3709

Re: Is buying two SUVs a sane/good financial move?

Some years ago I was driving a heavy load (over 100,000 lbs) over the coast highway. ... Nothing happened to the driver of the truck. ... I don't remember the equations from physics class, but mass matters. Do the math of a 100,000 lb truck v. a 1,000 lb car and a 100,000 lb truck v. 5,000 lb SUV. ...
by Epsilon Delta
Sun Aug 17, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3709

Re: VMMXX ?

I've been doing this for years. I only own mutual funds at Vanguard so I don't have a brokerage account. However I use the MM fund in much the same way as a sweep account. It's the only one linked to my bank account and all the transfers in and out go through it. It bounces up and down between perha...
by Epsilon Delta
Sun Aug 17, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX ? [Vanguard Prime Money Market Fund]
Replies: 2
Views: 592

Re: Avoiding the 3.8% medicare tax - when does it make sense

I looked at some of your funds and a few are very tax-inefficient. Check them all and sell the most tax-inefficient now. If you have a list of the gains in all these funds, then sell everything with a loss or moderate gains asap. Tax-inefficient funds tend not to have large unrealized capital gains...
by Epsilon Delta
Sat Aug 16, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: [when to sell funds if capital gains trigger Medicare tax?]
Replies: 12
Views: 795

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

I would chalk this up to an expensive life lesson in how even routine outpatient procedures can have unexpected costs. Go ahead and insist on seeing the full pathology reports if that will reassure you that 4 samples were actually taken and tested. But if they were, then go ahead and pay the bill. ...
by Epsilon Delta
Sat Aug 16, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6545

Re: Getting Married, traveling abroad

Hello everyone, I'm getting married in October and plan to honeymoon in western Europe for a few weeks with my beautiful wife. Any advice regarding travel or accommodations, exchange rates etc? This is my first time leaving the country . We are the adventurous type so any recommendations on what to...
by Epsilon Delta
Sat Aug 16, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1366

Re: Getting Married, traveling abroad

Actually I believe it is a country - just not an independent one. It depends on how you define "country". You can define "country" to include Scotland, or you can define "country" based on the common characteristics of the 200 or so countries in the world, in which cas...
by Epsilon Delta
Sat Aug 16, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1366

Re: How would the super wealthy use Credit Unions?

It seems they would need so many credit unions that they would spend days filling out the paperwork. Or would they pick a big one like Navy Federal or Pentagon and go over the insurance limit? Paperwork is not a problem for the super wealthy. They have the butler* do it. Or an accountant, business ...
by Epsilon Delta
Sat Aug 16, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would the super wealthy use Credit Unions?
Replies: 11
Views: 1457
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