Search found 6272 matches

by Epsilon Delta
Tue Feb 21, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Garage Floor Covering - Need Advice
Replies: 19
Views: 869

Re: Garage Floor Covering - Need Advice

Epoxy turns fairly conductive concrete into an insulator. Expect static shocks when you leave the car.
by Epsilon Delta
Tue Feb 21, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Bluetooth Transmitter
Replies: 4
Views: 420

Re: Bluetooth Transmitter

I see wilked's features "low latency." Ours doesn't. Some TVs, cable boxes etc. have an adjustment for this. They can delay the picture or audio to bring them more closely into sync. Might be worth poking around the menus if it really annoys you. Personally I find that on all TV programs ...
by Epsilon Delta
Fri Feb 17, 2017 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1184

Re: Social Security Calculator - COLA Adjustment

How old are you? For the year you turn 63 and later you get a CPI-U based COLA. For the year you turn 60 and earlier your PIA will be increase based on the National Average Wage Index. For the years you turn 61 and 62 there are no adjustments. Thanks. I was not aware of the formula before. I'm 57. ...
by Epsilon Delta
Fri Feb 17, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Help with filing for 2015 Excess Roth Contribution in 2016
Replies: 5
Views: 268

Re: Help with filing for 2015 Excess Roth Contribution in 2016

Again, this does not cost you anything in total dollars unless your tax rate in higher in 2016. It just hits your cash flow because you will be out for 2 years of tax and penalty on the earnings for awhile until you get your refund from the already amended 2015 return . You probably will not get th...
by Epsilon Delta
Fri Feb 17, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1184

Re: Social Security Calculator - COLA Adjustment

How old are you?

For the year you turn 63 and later you get a CPI-U based COLA.
For the year you turn 60 and earlier your PIA will be increase based on the National Average Wage Index.

For the years you turn 61 and 62 there are no adjustments.
by Epsilon Delta
Thu Feb 16, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4558

Re: Really Vanguard? 48 Cents?!

You should be able to contribute the $0.48 for 2016 in conjunction with a 2017 contribution.

If nothing else the contribution slips that go out with paper statements have lines for 2016, 2017 and a total. I bet they'd find a way to handle it instead of going to the trouble of bouncing it.
by Epsilon Delta
Thu Feb 16, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 864

Re: Can we automate Vanguard brokerage ETF purchases?

I would be concerned my automatic purchase would occur at the bottom of a flash crash. :shock: I would love, Love, LOVE for my automatic purchase to occur at the BOTTOM of a flash crash. I would guess that you are in the minority on this. :) Didn't they unwind the trades at the bottom of May 6? And...
by Epsilon Delta
Thu Feb 16, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Wellstrade Fund to ETF Conversion for Vanguard Fund
Replies: 6
Views: 183

Re: Wellstrade Fund to ETF Conversion for Vanguard Fund

You should be able to transfer in kind to Vanguard, have Vanguard do the conversion and then transfer the ETF back,

There will be hassle and maybe fees, but it should be possible. You'd probably need a strong motivation to do so.
by Epsilon Delta
Thu Feb 16, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: International ETFs with 0% dividend withholding tax?
Replies: 7
Views: 540

Re: International ETFs with 0% dividend withholding tax?

If such an ETF were market-cap weighted (what else would you want?) then it would be 47% Hong Kong, 22% India, 9% Singapore, 7% Brazil, 5% Malaysia. (Technically the UK would make up 99% of the ETF but that's boring so I left it out of the above calculation...) I think you overstate the size of the...
by Epsilon Delta
Thu Feb 16, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3588

Re: How do you handle switching your handbag?

FedGuy wrote:
JenDesi7 wrote:I know guys notice shoes.

No, we don't.

I notice shoes if they requires rerouting to avoid ventilation grates.

I also notice bags if they are too small and try to turn my pockets into an annex.
by Epsilon Delta
Wed Feb 15, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Form 8606 Question
Replies: 6
Views: 397

Re: Backdoor Roth Form 8606 Question

in Pub 590A you will find: Both contributions for 2016 and distributions in 2016 If all three of the following apply, any IRA distributions you received in 2016 may be partly tax free and partly taxable. ⋅ You received distributions in 2016 from one or more traditional IRAs, ⋅ Yo...
by Epsilon Delta
Wed Feb 15, 2017 11:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard leaves crumbs for active fund managers
Replies: 21
Views: 2577

Re: Vanguard leaves crumbs for active fund managers

I don't really have any serious argument about what you say (I think indexing is benign) but just as a nit pick. Legally, each VG fund is a separate legal entity/company. So, I would assume for governance, if this were an issue, we would consider the size of a mutual fund rather than the brokerage ...
by Epsilon Delta
Wed Feb 15, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2375

Re: Never-Ending Foreign Tax Credit Problem

The generalized version of this is But it doesn't hurt to read ..... the instructions I have read the instructions, and it did hurt. :twisted: Houseblend suggested Tylenol. I think somebody should investigate if form 1116 is responsible for the opioid epidemic. At least they've relaxed the rules si...
by Epsilon Delta
Wed Feb 15, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5595

Re: Reopening Roth after a panic move - need advice on investment

Just got off the horn w/ Vanguard. All set. This wasn't/isn't employer sponsored, so it's going in as a contribution. I went with TRF 2015 for now. Thanks again for all the input. This is wrong. If it came out of an IRA of any type (and wasn't a RMD) it's rollover eligible. If you don't intend to c...
by Epsilon Delta
Wed Feb 15, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2667

Re: How & when to sell lots of a single stock with huge capital gains

1) I would seriously consider moving to Reno for a year to avoid CA residency tax. Moving to Reno for a year does not avoid CA residency. Moving to Reno for the rest of your life and after a year deciding you don't like Reno and moving back to CA does avoid CA residency. For large amounts of money ...
by Epsilon Delta
Wed Feb 15, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1672

Re: Mailed Speeding Ticket via Auto System - Not Driver

They sent you a picture of your car and the ticket, so why not send them a picture of a check? If they don't then send you a picture of a set of handcuffs, maybe you're off the hook. :) They might be able to deposit a picture of a check. Even before check21 a picture of a check could have all the r...
by Epsilon Delta
Wed Feb 15, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 401k, Income Taxes, and Moving During Calendar Year
Replies: 15
Views: 389

Re: 401k, Income Taxes, and Moving During Calendar Year

I think TheGraduate has the right idea. But part year income tax returns can be peculiar. It's best to check the rules for Massachusetts.
by Epsilon Delta
Wed Feb 15, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5595

Re: Reopening Roth after a panic move - need advice on investment

TR 2015 sounds pretty good. Something else may be better, but not a lot better. Many things are worse, some are a lot worse.

Remember the 60 day clock is ticking, so go with pretty good and get it done.
by Epsilon Delta
Wed Feb 15, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

I just double checked in Turbo Tax, and I if I recharacterized my Roth contributions to tIRA, I would be eligible for the 10% level of the Saver's Credit, or $550. Since that 10% level is so broad, however (MAGI of $20,000 - $30,000), I would be eligible for it whether or not I recharacterize. You ...
by Epsilon Delta
Wed Feb 15, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for early-ish retirees? [type of account for pre-59.5 expenses]
Replies: 9
Views: 951

Re: Investing for early-ish retirees? [type of account for pre-59.5 expenses]

There are several Roth tactics that may help. 1) any Roth contributions and many conversions can be withdrawn tax and penalty free. These may be used to fund pre 59.5 expenses. 2) Roth conversions can be used to make use of each years low tax bracket. 3) A five Roth conversion ladder can be used to ...
by Epsilon Delta
Wed Feb 15, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with old existing nondeductible tIRA?
Replies: 5
Views: 242

Re: Backdoor Roth with old existing nondeductible tIRA?

I don't mind paying tax on the contribution, just was a little unclear how to handle it. We are happy to treat it as fully deductible. In that case how exactly, do we do this? The new account will be with Vanguard. When you file the first form 8606 for a backdoor conversion put zero on line 2 (Carr...
by Epsilon Delta
Wed Feb 15, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Closing bank accounts that were opened for bonuses
Replies: 2
Views: 325

Re: Closing bank accounts that were opened for bonuses

http://www.doctorofcredit.com/psa-dont-close-citigold-downgrade-it/ Other than meeting the requirements for obtaining the bonus, and meeting the requirements for leaving the account open long enough to avoid an early termination fee, should I have any concerns about closing these accounts down the ...
by Epsilon Delta
Wed Feb 15, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 86
Views: 8918

Re: The Wall Street Journal to close Google loophole entirely

The problem is that there's currently no middle ground between "subscribe to the entire newspaper at a price of $100+ dollars/year" and "read everything for free." I don't read enough articles in the WSJ to justify paying for a yearly subscription, but I'd be happy to pay a smal...
by Epsilon Delta
Wed Feb 15, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1021

Re: What Happened to Proxy Voting?

We had no Vg funds that changed their fundamental objective as I remember. In 2009 the only Vanguard funds we owned were S&P 500, REIT and a few of short and intermediate term bond funds. Both the S&P 500 and REIT had proposals to change fundamental policies on the 2009 proxy . IIRC they pa...
by Epsilon Delta
Wed Feb 15, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with old existing nondeductible tIRA?
Replies: 5
Views: 242

Re: Backdoor Roth with old existing nondeductible tIRA?

For a couple of hundred dollars you should probably combine it with your other IRA and convert it to a Roth just to clean things up. There is no particular timing required. I'd usually wait till the CD matures. The year you do this does affect a few lines on the 8606 and the timing of a few tens of ...
by Epsilon Delta
Wed Feb 15, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: When to contribute to IRA? And is an existing Rollover IRA okay?
Replies: 6
Views: 267

Re: When to contribute to IRA? And is an existing Rollover IRA okay?

By only one recharacterization, does that mean one per year? Or one per account? Or something different? One per dollar. If you contribute $100 to a Roth you can recharacterize that to a tIRA. If you contribute another $200 to a Roth you can recharacterize that even if you already recharacterized t...
by Epsilon Delta
Wed Feb 15, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: When to contribute to IRA? And is an existing Rollover IRA okay?
Replies: 6
Views: 267

Re: When to contribute to IRA? And is an existing Rollover IRA okay?

You can contribute to either a Roth or a tIRA today and decide which is better later. If you picked the wrong one a recharacterization makes it as if you contributed to the other in the first place. But you only get one recharacterization . There is no reason to use it before April 2018 when you hav...
by Epsilon Delta
Wed Feb 15, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Over IRA to Crappy 401k in order to backdoor roth
Replies: 22
Views: 1298

Re: Rolling Over IRA to Crappy 401k in order to backdoor roth

What about contributing to a non-deductible IRA now and doing the Roth conversion in the future when the 401k improves or your wife switches employers? Note that even if nothing changes, it makes sense to delay the rollover and Roth conversion by several years. It costs $250 per year in fees to rol...
by Epsilon Delta
Wed Feb 15, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1021

Re: What Happened to Proxy Voting?

Doc wrote:The few times I have gotten a proxy approving a change in fundamental objective I immediate voted no electronically. The next day I sold out my position JIC. :wink:


In 2009 every single Vanguard fund had a vote to change fundamental objectives. Did you sell out or did you sell out? :twisted:
by Epsilon Delta
Tue Feb 14, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Prep Software Getting Roth Conversion Worksheet Wrong
Replies: 19
Views: 949

Re: Tax Prep Software Getting Roth Conversion Worksheet Wrong

So I re-entered everything and made sure the correct options were selected and I'm getting the same outcome. As pshonore said, the values on the 1040A look correct despite what Form 8606 and the Publication 590 worksheet say. Unfortunately, since I have to submit both of these forms, I'm concerned ...
by Epsilon Delta
Tue Feb 14, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1021

Re: What Happened to Proxy Voting?

Vanguard does not hold annual meetings. There was a Special Meeting of Shareholders on July 2, 2009. This was preceded by quite a few mailing etc. as Vanguard worked to get a quorum. This is what you are remembering. It's anyones guess when the next special meeting will be. As I understand it curren...
by Epsilon Delta
Tue Feb 14, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Irish resident: Bond investing in the case of a EURO collapse
Replies: 15
Views: 1011

Re: Irish resident: Bond investing in the case of a EURO collapse

Clive wrote:Or might be overstating the fears. The UK's share of the ECB is around 16%, Germany 18%. By rights Germany should be up at 25% and after Brexit perhaps take on the UK's as well (be expanded to 40%).

Are you using a metric here? (It's clearly not GDP, or population)
by Epsilon Delta
Tue Feb 14, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1021

Re: What Happened to Proxy Voting?

Most mutual funds do not hold annual meetings. Most of them only hold a meeting if some particular subject matter arises that requires shareholder approval. Otherwise they go about their year to year business without bothering the shareholders. :twisted: Examples of things that may require sharehold...
by Epsilon Delta
Tue Feb 14, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Prep Software Getting Roth Conversion Worksheet Wrong
Replies: 19
Views: 949

Re: Tax Prep Software Getting Roth Conversion Worksheet Wrong

So HRBlock is combining the Inherited IRA and you own IRAs? IIRC you are correct and you need to do them separately. In the worst case this means two 8606s, two worksheets etc. In your case of closing the inherited IRA if there is no inherited basis it should not need a 8606 and would go directly to...
by Epsilon Delta
Tue Feb 14, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 32
Views: 2741

Re: To those who avoid FICA with HSA payroll contributions

Analyzing either insurance or investments requires paying attention to potential payments and costs. But with insurance you pay more attention to the worst case, while for investments you pay more attention to the average case.
by Epsilon Delta
Tue Feb 14, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: Fukushima meltdown a stressor on Japanese economy?
Replies: 11
Views: 1022

Re: Fukushima meltdown a stressor on Japanese economy?

Weirdly natural disasters are often good for an economy. This is the broken window fallacy . It stems from looking at the cash flow statements and not the balance sheet. Depends on whether there are slack resources in an economy. If you use a Keynesian model (and, largely, I do) then the recovery e...
by Epsilon Delta
Tue Feb 14, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Excess ROTH contribution withdrawal and 1099-R distribution code
Replies: 18
Views: 974

Re: Excess ROTH contribution withdrawal and 1099-R distribution code

You may find that convincing VG to correct the distribution will be easy OR you could run into a brick wall. Vanguard may be interpreting the following tax code provision differently than I am. Here is the key section 408(d)(4): (4)Contributions returned before due date of return. Paragraph (1) doe...
by Epsilon Delta
Mon Feb 13, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vang.1099-DIV and Wisconsin tax on munis
Replies: 7
Views: 482

Re: Vang.1099-DIV and Wisconsin tax on munis

Mutual funds, even bond funds, even money market mutual funds, pay dividends not interest. You should report it as dividends.
by Epsilon Delta
Mon Feb 13, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13124

Re: Is a total market fund the most diversified

Epsilon I would strongly disagree. It is less risky and we know it. First volatility certainly is one type of risk. But more importantly by any definition you can think of that is logical, like exposure to more volatile earnings, more debt, etc. Low vol/low beta stocks are less risky yet outperform...
by Epsilon Delta
Mon Feb 13, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Small Retirement Distribution Without 1099-R
Replies: 9
Views: 284

Re: Small Retirement Distribution Without 1099-R

Add it directly to line 15b or 16b. If your software won't allow this use different software.
by Epsilon Delta
Mon Feb 13, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard leaves crumbs for active fund managers
Replies: 21
Views: 2577

Re: Vanguard leaves crumbs for active fund managers

Vanguard can only grow by having better funds. They don't threaten people who go elsewhere.
by Epsilon Delta
Mon Feb 13, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

At what age are you planning to retire? Unless I've misread the MadFientist article, the Roth IRA conversion ladder is really only useful if you plan to retire at 53 1/2 or younger. Due to the five year waiting period, even retiring at 53 1/2 only gives you one year of early access before you would...
by Epsilon Delta
Mon Feb 13, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Monte-Carlo results and Probability of successful outcome
Replies: 16
Views: 1557

Re: Monte-Carlo results and Probability of successful outcome

Monte-Carlo is just a mathematical method for solving certain problems. Saying you use Monte-Carlo to get your results is really no different from saying you use addition* to get your results. In all cases it is the validity of the underlying model that matters. * or Green's functions or eigenvectors.
by Epsilon Delta
Mon Feb 13, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I make a nondeductible IRA contribution?
Replies: 5
Views: 294

Re: Should I make a nondeductible IRA contribution?

If you make even one nondeductible IRA contribution you will want to file a form 8606 Part I every year you take a distribution until you exhaust your IRAs and the balance falls to zero on Dec 31 of some year. This is certainly a tax complication. Whether it is a significant tax complication is in t...
by Epsilon Delta
Mon Feb 13, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Fukushima meltdown a stressor on Japanese economy?
Replies: 11
Views: 1022

Re: Fukushima meltdown a stressor on Japanese economy?

Valuethinker wrote:
Weirdly natural disasters are often good for an economy.



This is the broken window fallacy.

It stems from looking at the cash flow statements and not the balance sheet.
by Epsilon Delta
Mon Feb 13, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 86
Views: 8918

Re: The Wall Street Journal to close Google loophole entirely

It used to be that newspapers covered their costs by selling advertisements. Subscriptions basically covered the cost of distribution, and distribution was to drive up readership so ads would cost more. Journalists were then paid for by advertising revenue. Production costs for electronic media is ...
by Epsilon Delta
Mon Feb 13, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 3874

Re: What to do with daughter's $100

If you decide to invest the $100 MyRA is pretty close to ideal for this type of small savings.
by Epsilon Delta
Mon Feb 13, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Efficent Frontier Stock / Bond curve for foriegn markets?
Replies: 20
Views: 1161

Re: Efficent Frontier Stock / Bond curve for foriegn markets?

It is not like the kinds of data you deal with in statistics classes, My statistics classes included the Cauchy distribution, apparently yours did too. The real problem is not enough statistics classes, and very low standard for publishing finance papers that use statistics, and even worse standard...
by Epsilon Delta
Mon Feb 13, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 2565

Re: Building a Computer

For me, I'm not interested in cost/performance or "bang-for-the-buck." I'm only interested in "bang." If that were true you'd own some of these: https://s-media-cache-ak0.pinimg.com/236x/f3/7f/30/f37f30f7508b51bc1c3a55e1816d68bf.jpg We are all resource constrained. In my busines...
by Epsilon Delta
Mon Feb 13, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 32
Views: 2741

Re: To those who avoid FICA with HSA payroll contributions

Hi all, thanks for the replies and the ongoing discussion. 1) Has your wife crossed the first bend point yet? Aka, earning more than 317K and pay social security tax on that income? Hi KlangFool. No, my wife hasn't yet passed the bend point, but surely will if she works as planned. IMO this is the ...

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