Search found 5390 matches

by Epsilon Delta
Tue May 31, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: "starter" vs "regular" home
Replies: 21
Views: 1315

Re: "starter" vs "regular" home

When my sister bought her house her mother-in-law kept refering to it as a "starter home".
Brother-in-law encouraged us to refer to him as "starter brother-in-law" in m-i-l's presence.
References to "starter home" stopped.
by Epsilon Delta
Tue May 31, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: Foreign coins, old US stamps from storage
Replies: 8
Views: 478

Re: Foreign coins, old US stamps from storage

Also a gallon jar filled with foreign coins, many (FF, DM, IL, etc) no longer in circulation. Some discontinued currencies, such as DM are still exchangeable and still have monetary value. Others such as the FF, are not, and would only have value as collectibles. The mechanics of exchanging a small...
by Epsilon Delta
Tue May 31, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Taking classes at a community college - Question about placement tests
Replies: 33
Views: 1620

Re: Taking classes at a community college - Question about placement tests

I'm not sure we know what these placement tests are. Everyone is assuming some sort of generic academic tests. But it might be a course specific test. Things like knowing how to turn the darn thing on, log in, only stick one floppy at a time into the slot.* This was useful even for non-credit course...
by Epsilon Delta
Tue May 31, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: anyone got used to reading very technical/academic papers online?
Replies: 11
Views: 409

Re: anyone got used to reading very technical/academic papers online?

i also think printing the article out makes me feel good as a pack rat..... but it's so obvious that to be productive you want to keep paper to a minimum and make use of modern technology That's not at all obvious, and unsurprisingly there are papers about it. Short answer there is some evidence th...
by Epsilon Delta
Tue May 31, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 52
Views: 6037

Re: Uber Car and the real cost of driving

Yes, fewer cars (maybe). Yes fewer cars parked (maybe). But traffic? Since the cost of traffic is not the gasoline cost (trivial compared to the other costs such as depreciation & insurance) but the time cost, if the roads become less crowded, more people will use the roads to travel longer dis...
by Epsilon Delta
Mon May 30, 2016 11:47 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Water Filters -- OEM or Generic?
Replies: 11
Views: 1411

Re: Refrigerator Water Filters -- OEM or Generic?

I use the generic filter at the county water plant.

One issue with old filters is that they can actually provide a breeding surface for pathogens. It's unlikely if the water is chlorinated, but my refrigerator has a blanking plate that can be used in place of a filter so I use that.
by Epsilon Delta
Mon May 30, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Backoor Roth IRA in 1040
Replies: 6
Views: 336

Re: Backoor Roth IRA in 1040

This time I'll second DSinvestor.

As I understand your situation the entry on line 1 of form 8606 is wrong. Once you fix that everything else is just calculations.

In any event it's likely that fixing this and filing a 1040X will reduce taxable income by $5,500 which should be worth a grand or two.
by Epsilon Delta
Mon May 30, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: weeds, trees and managing large lawns
Replies: 13
Views: 1149

Re: weeds, trees and managing large lawns

You forgot pre-emergents. These are mostly harmless to mature trees. Of course they are also mostly harmless to mature weeds, but many weeds are annuals. As for the others. It's mostly a matter of dosage and location. Most herbicides are applied the lawn in doses that are fatal (to either broad leaf...
by Epsilon Delta
Mon May 30, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 54
Views: 2479

Re: Separate data partition on dual-boot system?

Any recs on specific drives to get? I admit total n00b status when it comes to drives. I do have a Toshiba 1T external drive that I use for storage, but I don't know how it would work as an OS drive. This is what I have: Toshiba - Canvio Basics 1TB External USB 3.0 Portable Hard Drive You need to m...
by Epsilon Delta
Mon May 30, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Backoor Roth IRA in 1040
Replies: 6
Views: 336

Re: Backoor Roth IRA in 1040

That's probably not correct. Normally a backdoor Roth would have a taxable amount close to 0 on line 15b.

However if you have the tax return handy:
1) Is there a form 8606 attached? (and what's on it? especially lines 1,2,6 and 18)
2) Whats on line 32 (IRA Deduction) of form 1040
by Epsilon Delta
Mon May 30, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 80
Views: 4532

Re: Private school? Any regrets?

Unfortunately the public high school turned out to be more rigorous and sort of kicked his butt a little. It's difficult to evaluate different schools by how hard it kicks your butt when you change. Different syllabi can kick butt going both ways. Trig v. Euclidean geometry, French v. Russian, anci...
by Epsilon Delta
Mon May 30, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Windshield chipped - call insurance company?
Replies: 19
Views: 1053

Re: Windshield chipped - call insurance company?

It's worth considering the state of the windscreen. Scratches on a windscreen cause halos that can affect night driving. If the screen is 10 years old and badly scratched I might favor replacing rather than repairing, even if the chip does not, of itself, warrant a replacement.
by Epsilon Delta
Mon May 30, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: New Boiler Sizing
Replies: 14
Views: 688

Re: New Boiler Sizing

One thing I forgot to mention. If you have a gas water heater, dryer or stove you should subtract the energy used by those appliances from the 550 to 560 therms per month to get the amount used for heating. A rough way to do this is to subtract the energy used in the summer months (when there is lit...
by Epsilon Delta
Mon May 30, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 237
Views: 22070

Re: Soapbox (car safety features)

If not, please provide examples of where you find it beneficial to pace the car directly in front of you. You're on a moderately busy road and the car in front of you is traveling at a speed you find comfortable that is just below your desired speed. Say you'd do 65 and the car in front has its cru...
by Epsilon Delta
Mon May 30, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: New Boiler Sizing
Replies: 14
Views: 688

Re: New Boiler Sizing

How would I use that method of old bills, since I am converting from forced hot air to baseboard. Ignore the difference between hot air and hot water. It doesn't matter (much) how the heat is distributed. The difference between water and air is much, much smaller than the difference between 23kBTU ...
by Epsilon Delta
Mon May 30, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 76
Views: 3863

Re: tips for weight exercises/training

That said over time I found that I really needed the strength training and flexibility work as well. I think it would have been good to add earlier, but you can to some degree get away with a less than ideal exercise portfolio when young. You can get away with less than ideal when old too. There's ...
by Epsilon Delta
Mon May 30, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: New Boiler Sizing
Replies: 14
Views: 688

Re: New Boiler Sizing

I had a heat loss calculation done and it came out to 23,000 BTU which I find extremely low. Can anyone shed light on this topic? Manual J trumps feelings. It is of course possible that the heat loss calculation was done incorrectly, and it may be worth getting a second opinion, but if two independ...
by Epsilon Delta
Mon May 30, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions, Zero Income Years and Tax Brackets
Replies: 43
Views: 2274

Re: Roth Conversions, Zero Income Years and Tax Brackets

I feel like I am missing something because I see conversions at any of the existing brackets above 15% as likely a wash at best. I feel I am definitely missing something and want to maximize the value of my zero income years so please educate me. Some people have more money than you. Try to do the ...
by Epsilon Delta
Mon May 30, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 54
Views: 2479

Re: Separate data partition on dual-boot system?

Here is one prescription for normal security then: 1. Buy a laptop with 16GB RAM. (I'd recommend a Mac as it has Unix underneath the hood, but if you are price conscious a Wintop is fine). 2. Install VirtualBox or similar ... ... 7. ... Uh, no. Normal has to be considered relative to what most peop...
by Epsilon Delta
Mon May 30, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions, Zero Income Years and Tax Brackets
Replies: 43
Views: 2274

Re: Roth Conversions, Zero Income Years and Tax Brackets

I feel like I am missing something because I see conversions at any of the existing brackets above 15% as likely a wash at best. I feel I am definitely missing something and want to maximize the value of my zero income years so please educate me. Some people have more money than you. Try to do the ...
by Epsilon Delta
Mon May 30, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 237
Views: 22070

Re: Soapbox (car safety features)

If not, please provide examples of where you find it beneficial to pace the car directly in front of you. You're on a moderately busy road and the car in front of you is traveling at a speed you find comfortable that is just below your desired speed. Say you'd do 65 and the car in front has its cru...
by Epsilon Delta
Sun May 29, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Yoga or Pilates or Something Else?
Replies: 32
Views: 1503

Re: Yoga or Pilates or Something Else?

quantAndHold wrote:If you're intimidated by the people at the gym, you might try a different gym.


Or a different time. Some gyms are quite different at 10AM than 5:30PM, and it's not just the number of people.
by Epsilon Delta
Wed May 25, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Income under the IRS filing requirement & Roth conversions
Replies: 10
Views: 689

Re: Income under the IRS filing requirement & Roth conversions

I may be wrong, but I believe you're required to report the Roth conversion on form 8606 even if you do not have to file form 1040. Who Must File ... ⋅ You converted an amount from a traditional, SEP, or SIMPLE IRA to a Roth IRA in 2015 (unless you recharacterized the entire conversion—see...
by Epsilon Delta
Tue May 24, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Canada driving [Oregon US to Novia Scotia - What to see?]
Replies: 25
Views: 1709

Re: Canada driving [Oregon US to Novia Scotia - What to see?]

If you can spare a couple of days, do go to Prince Edward Island (PEI). You'll enjoy the ferry ride each way (but better check on the schedule and prices) and you'll find it a nice quiet place (at least that's how I recall it from way back when) They have a bridge now. There is still a ferry, but i...
by Epsilon Delta
Tue May 24, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: When will Annual Roth IRA Contribution Limit Increase
Replies: 21
Views: 3595

Re: When will Annual Roth IRA Contribution Limit Increase

Good info. I knew most of this but not the base year. Does anyone know what the base year for 401ks is? I believe the base period is the quarter beginning July 1, 2005 (and the base amount is $15,000). However you should understand that this could be wrong, since it's defined by reference and if I ...
by Epsilon Delta
Tue May 24, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: When will Annual Roth IRA Contribution Limit Increase
Replies: 21
Views: 3595

Re: When will Annual Roth IRA Contribution Limit Increase

Epsilon, thanks for thorough explanation. CPI reached 246.992 in April- 16. To confirm is this the general inflation number with out food ? edit: cpi link http://data.bls.gov/cgi-bin/surveymost?cu It's CPI-U, the cost of living for all urban consumers. CPI-U includes food and energy (along with eve...
by Epsilon Delta
Tue May 24, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2269

Re: Listening to tunes while exercising

I use dollar store ear buds which I buy for a $1. I have to replace them every couple of months. I've had more expensive headphones and they don't last much longer. If you care about the sound quality you're not working hard enough.
by Epsilon Delta
Tue May 24, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Canada driving [Oregon US to Novia Scotia - What to see?]
Replies: 25
Views: 1709

Re: Canada driving

1. Obey the speed limits. Canada is strict about speeding. They think the limit should be how fast you drive and not any faster. re: 1. Does not appear to be the case in the Vancouver area. Speed limit is 100km/hr, many Vancouverites drive 120-130. Or Toronto. The flow on the QEW is never within 30...
by Epsilon Delta
Mon May 23, 2016 10:55 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1684

Re: Staying Logged In

It's not like bogleheads.org is a high value target. What can a miscreant do after they extract my password from the browser? Post sensible comments, ruining my reputation as a raving loony?
by Epsilon Delta
Mon May 23, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Building an enclosed breezeway
Replies: 9
Views: 814

Re: Building an enclosed breezeway

Converting a detached structure to an attached structure can have consequences. First is insurance, home owners typically covers the main house + 10% or something for detached structures, if it becomes attached you no longer get the +10% and have to raise the limit. Second is fire safety. Often the ...
by Epsilon Delta
Mon May 23, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 3266

Re: Bikes

If it's called a road or a bike path I stick with a road bike. It's perfectly serviceable on stone dust, gravel and cobble stones. The mountain bike doesn't come out unless there are stairs. If you don't have the hip and neck flexibility to ride drops a hi-bred works fine. But you don't need a mount...
by Epsilon Delta
Mon May 23, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 47
Views: 3837

Re: Deferred Comp: How long do you trust your company?

Another strategy that I belive would work is buying a credit default swap against the company but this I have no idea how to do and I'm not sure if there is an optionsexpress website like that for credit default swaps. Curious what others have to say about this. I think you'll want to check your em...
by Epsilon Delta
Sat May 21, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1541

Re: surface street or freeway commute?

School B is a 15 mile commute across the suburban area on entirely surface streets. So 5 lane boulevards of suburban sprawl with traffic lights every mile or so. Google maps pegs it at 25-27 minutes every day during the same commuting times. There are no freeway options at all along this route. My ...
by Epsilon Delta
Wed May 18, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 4902

Re: Emergency Preparedness

As livesoft says, it is basically unprecedented in US history that you would need to go 6-weeks, so that seems like over-preparation. Actually during the anthrax scare they were tossing numbers like that around. OP was thinking of weather-related disasters, but there is more than one kind of natura...
by Epsilon Delta
Wed May 18, 2016 1:04 am
Forum: Personal Consumer Issues
Topic: Higher condo fees on higher floor units?
Replies: 25
Views: 1805

Re: Higher condo fees on higher floor units?

The reason to keep the practice is that the current fee structure is already priced in. Any changes will transfer money between the owners by fiat.
by Epsilon Delta
Tue May 17, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1773

Re: garden hose

I like hoses with longitudinal stripes. That way I can tell when I've induced a twist. When I find more than a couple of twists in the length of the hose it's time to lay the hose out and untwist it. The reason you don't want twists is that they convert to writhes and kinks, since writhes are a lowe...
by Epsilon Delta
Tue May 17, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3629

Re: Could I be held Liable for giving financial advice to a friend

livesoft wrote:No. Financial salesreps are not held liable, so how could you possibly be held liable?

Sadly, holding amateurs to a higher legal standard than professionals is more the norm than the exception.

e.g. Heien v. North Carolina
by Epsilon Delta
Tue May 17, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1895

Re: My silly math skills

There's too little math in a thread with math in its title. :twisted: If we're trying to solve for compound interest: (1+x)^n = (1+G) Where n = 9.5 G = 27% and x is what we want. We can take the nth root x = -1 + (1+G)^(1/n) and expand as a power series x = (1/n) * G + (1/n)(1/n-1)/2! * G^2 + (1/n)(...
by Epsilon Delta
Tue May 17, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Irish Resident - US domiciled ETFs portfolio
Replies: 61
Views: 3715

Re: Lazy EU based ETF portfolio

Yes, Ireland domiciled ETFs for Irish residents means 41% exit tax .... and a very bizarre 8 years rule where the Irish government forces you to make an "exit" tax return every 8 years from purchase year (even if you don't sale), just in case you are making any money from your shares at +...
by Epsilon Delta
Tue May 17, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Irish Resident - US domiciled ETFs portfolio
Replies: 61
Views: 3715

Re: Lazy EU based ETF portfolio

Let' use an example to compare USD US domiciled ETFs vs EUR US domiciled ETFs - Today (EUR-USD rate 1.14) - In 20 years time (EUR-USD rate =1) Complete speculation just to compare currency exposure USD US domiciled ETFs 2- In 20 years time the value of the shares doubles to 2000USD. EUR US domicile...
by Epsilon Delta
Tue May 17, 2016 1:17 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2133

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

*It's theorized that the new lead-free solder is more brittle and prone to developing fractures. RoHS will be ten years old on July 1st. The manufacturer's I'm familiar with have been working with lead-free solder for almost two decades, that's about 13 generations of hardware. We're well past the ...
by Epsilon Delta
Tue May 17, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 54
Views: 2479

Re: Separate data partition on dual-boot system?

Given your situation, dual booting may be the path of least resistance. One of the reasons why I prefer VM is that I can switch easily between the host and the VM without any delay. With dual booting, you are forced to reboot to the other system to get access. I use dual boot and switch between lin...
by Epsilon Delta
Thu Apr 21, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4858

Re: Got laid off, when can I file for unemployment?

... People with incomes between 100% and 138% of poverty level can choose either ACA plans with subsidies or medicaid (in states that expanded medicaid.. This ^ is certainly not true in my Expansion state. If you qualify for Medicaid, you cannot apply for or receive ACA subsidies. It is not a matte...
by Epsilon Delta
Thu Apr 21, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to know when to sell Vanguard ETF
Replies: 15
Views: 1034

Re: How to know when to sell Vanguard ETF

My goal was to minimize any change in value due to the move (...although I think I came out ahead on VBR/VSIAX because I sold early in the day and the early-day gains faded). If you're just trying to minimize the effects of random good or bad price changes between the sale and the buy you can alway...
by Epsilon Delta
Thu Apr 21, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4858

Re: Got laid off, when can I file for unemployment?

Another possibility is that you qualify for Medicaid rather than an ACA plan. Eligibility for ACA subsidies is based on AGI (annual total), but at least in my state Medicaid is based on monthly income. So when my DH left a job our annual income would have qualified us for ACA subsidies, but as his ...
by Epsilon Delta
Wed Apr 20, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4858

Re: Got laid off, when can I file for unemployment?

Approximate time table for health insurance. Some of the months may be 30 days so check if going down to the wire. Cobra. You have 60 days from the later of the date of termination or when they send you the notification to sign up retroactively to the date of termination. Some health people fill out...
by Epsilon Delta
Wed Apr 20, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4858

Re: Got laid off, when can I file for unemployment?

If you are getting severence pay, Florida where I live, delays paying UE based on your amount of severence pay, check the 'fine print' in your state. The logic is that you'd be getting paid twice for the time you get severence pay for, 4 week, etc., severence & UE. Some companies will make paym...
by Epsilon Delta
Tue Apr 19, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 591

Re: Form 8606 question

My question , does my Traditional "basis" go up every year with my "non-deductible" contribution? $5k per year, '10 - '12, then $5,500 in '13 - '15 (total $31,500)? I "think" what Form 8606 (line 2) requires is any "pre-tax" traditional IRA assets not previou...
by Epsilon Delta
Mon Apr 18, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security at 62 and Switch at 66 to Survivor Benefit????
Replies: 9
Views: 790

Re: My Social Security at 62 and Switch at 66 to Survivor Benefit????

It may be too late for the OP, but as I understand it s widow(er) can file for survivor's benefit at age 60. No need to wait for age 62. If the widow(er) is disable or taking care of a child it's even younger. It's also worth noting that FRA for widow(er)'s benefits may not be the same as FRA for yo...
by Epsilon Delta
Mon Apr 18, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4825

Re: How Did You File Your Income Taxes for 2015?

rob wrote:The queues at the post office are small now thanks to all those of you using eFile :D


You had a queue? This afternoon I had to ring the bell for service. The whipper snapper who served me didn't even know it was tax day.

Also stocked up with forever stamps at the new low price.

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