Search found 6044 matches

by Epsilon Delta
Fri Jan 13, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2500

Re: Home heating options

Should I still consider the 1000 gallon tank or do you think I would be ok with a 500 gallon? I'd go with 1000, if you have the space. Most of the cost is labor, and piping/fixtures will cost the same either way. Another issue is regulations. With a large enough tank it becomes a hazardous industri...
by Epsilon Delta
Fri Jan 13, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH conversion calculator to minimize RMDs?
Replies: 18
Views: 1517

Re: ROTH conversion calculator to minimize RMDs?

Minimizing RMDs is very simple: Convert everything to Roth.

But your goal should probably not be to minimize RMDs.
by Epsilon Delta
Fri Jan 13, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does this change the 401k/Roth decision?
Replies: 6
Views: 871

Re: Does this change the 401k/Roth decision?

2) Maximize money for our heirs/charity. Put it all in Roth and never spend it. For charity tax deductible is probably better. A tax exempt charity gets no benefit from a Roth compared to traditional. You would want to consider how you manage the tax savings and plan donations so everything is dedu...
by Epsilon Delta
Tue Jan 10, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 2995

Re: Bedroom is colder than rest of house. Radiator heating question.

Physicist loses their wings... Lol Went from an AC permanent split capacitor fan to a DC brushless pulse width modulated fan. It's a plain better design 85% efficient. I agree properly sized modern motors with electronic control are more efficient and better in pretty much every way. But you still ...
by Epsilon Delta
Mon Jan 09, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about backdoor roth IRA
Replies: 7
Views: 726

Re: Confused about backdoor roth IRA

I had a previous 401K that I rolled into an IRA. If I were to contribute $5000 to a new traditional IRA and then convert $5,000 to Roth IRA it looks like I will pay taxes of $5,000 * $5,000/existing IRA . Is this accurate? If so, is it more advantegous to just contribute the extra $5,000 year to a ...
by Epsilon Delta
Mon Jan 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 2995

Re: Bedroom is colder than rest of house. Radiator heating question.

Physicist loses their wings... Lol Went from an AC permanent split capacitor fan to a DC brushless pulse width modulated fan. It's a plain better design 85% efficient. I agree properly sized modern motors with electronic control are more efficient and better in pretty much every way. But you still ...
by Epsilon Delta
Sun Jan 08, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 2995

Re: Bedroom is colder than rest of house. Radiator heating question.

My understanding and experience is that radiators are 90% radiant heat. If you use Stefan-Boltzmann with quite generous assumptions you'll find that this can't be true unless the radiator is dangerously hot. Home "radiators" have fins. True radiators are flat (e.g. see the International S...
by Epsilon Delta
Sun Jan 08, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 31
Views: 2004

Re: Requirements to change passwords frequently?

mrc wrote:seven chars is OK. :oops:


In many situations seven characters is okay. Seven characters is enough to protect against user errors. You only need more to protect against IT errors. If they trust their own security IT does not need to dump everything on the user.
by Epsilon Delta
Sun Jan 08, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2255

Re: How to dress for winter vacation in Alberta

It's not just the right clothing. It's knowing how to use it, and knowing how to identify frost bite and hypothermia in yourself and others, and knowing the difference between discomfort and life threatening situations, knowing how hard you can work before you work up a sweat, and all sorts of other...
by Epsilon Delta
Sun Jan 08, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 2995

Re: Bedroom is colder than rest of house. Radiator heating question.

Before doing so, I upgraded the motor with a high efficiency ECM motor (176$ Mars azure 10860) and got a 125$ comed electric rebate. The old motor used 660w on high at 1/3hp, and this one uses 180w on high at 1/2 HP. Every time somebody says something like this a physicist loses his wings. Also rad...
by Epsilon Delta
Sat Jan 07, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 2995

Re: Bedroom is colder than rest of house. Radiator heating question.

Since no ones mentioned it: try bleeding the radiator in the master bedroom. If a radiator is half full of air it is not working at maximum output.
by Epsilon Delta
Sat Jan 07, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Roth IRA account for backdoor Roth?
Replies: 12
Views: 498

Re: New Roth IRA account for backdoor Roth?

need403bhelp wrote:
I have been using a Target Retirement fund for my Roth IRA so far. Would this impact me re Admiral shares (i.e., would I pay more to use a new Roth IRA or not)?

Thank you!

Vanguard Target Retirement funds do not have Admiral shares.
by Epsilon Delta
Sat Jan 07, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Roth IRA account for backdoor Roth?
Replies: 12
Views: 498

Re: New Roth IRA account for backdoor Roth?

I am trying to understand the logistics of this - does this mean that, from now on, I will have as many Roth accounts as years that I did a backdoor Roth contribution? If not, (i) when do I get rid of extra Roth accounts and (ii) how exactly do I do this via Vanguard (can this be done through the W...
by Epsilon Delta
Sat Jan 07, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1756

Re: Gas Water Heater vs Electric Tankless

I noticed that Home Depot has 4.6 GPM electric tankless water heaters on sale today for $299. I've been thinking about replacing my 12 yr old gas heater and wondered if there would be any significant savings in going to an "on demand" system vs my gas one? I would have to have an electric...
by Epsilon Delta
Sat Jan 07, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3733

Re: Getting rid of mice

Several people have mentioned steel wool. I recommend copper wool. It lasts longer. In my experience in a damp location steel wool rusts to a worthless powder in less than a year and you have to do it again. Copper wool turns green but remains intact. Copper wool should be available at your local ha...
by Epsilon Delta
Sat Jan 07, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth through Rollover IRA
Replies: 32
Views: 998

Re: Backdoor Roth through Rollover IRA

It's worth pointing out that if having the rollover IRA on Dec 31 2015 means the 2015 Roth conversion was mostly taxable (and not a true backdoor) you now have basis in your traditional IRA. Undoing the 2016 contribution will not change this, although it will change the basis. So if the intention of...
by Epsilon Delta
Sat Jan 07, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Virtual Machines for Finances, etc.
Replies: 22
Views: 1566

Re: Virtual Machines for Finances, etc.

I find that somethings I want to run are no longer available in 32 bit (e.g. Chrome for linux).

I expect this to be more common in future. If I were starting now I'd start with 64bit so I did not have to change in a couple of years.
by Epsilon Delta
Fri Jan 06, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 31
Views: 2004

Re: Requirements to change passwords frequently?

The main reason employers should require password changes is because people share passwords. If employers followed the handbook and fired everybody who shared passwords there would be nobody left. And they can't think of way to automate preventing sharing of passwords. If you require changes the fac...
by Epsilon Delta
Fri Jan 06, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best/ safest way to access Vanguard account online?
Replies: 16
Views: 1956

Re: Best/ safest way to access Vanguard account online?

Don't do it in public, where people can shoulder surf you. If you only do it on your PC in the privacy of your office you'll satisfy this as well a bunch of the other rules. Personally I have no reason to access Vanguard from a mobile device. If I were traveling I'd try to set it up so I had to do s...
by Epsilon Delta
Fri Jan 06, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Protecting information on cell phone
Replies: 10
Views: 1049

Re: Protecting information on cell phone

I don't know how to do this on any particular phone but you should also partition the stuff you use all the time, and will access in public, such as GPS, IM and phone calls from valuable stuff such as financial accounts that you will only access in a safe environment. The two domains should have sep...
by Epsilon Delta
Fri Jan 06, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 79
Views: 3733

Re: Getting rid of mice

We bought a house in the country. Discovered we had mice. Put down a dozen or so traps and caught a bit less than one per day. Over the next year we did a systematic search for holes around the foundation, in the attic, in the attic floor, basement ceiling and interior garage wall. All visible insul...
by Epsilon Delta
Fri Jan 06, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: When is 59 1/2 for those born August 29, 30, 31?
Replies: 20
Views: 1836

Re: When is 59 1/2 for those born August 29, 30, 31?

If everything uses full years there is an equity issue because it favors people born in Jan or Dec or perhaps July. So it makes some sense move random things to half years. The problem with this argument is that it makes even more sense to move a few random things to quarter years, the Ides of March...
by Epsilon Delta
Fri Jan 06, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with IRA, Roth IRA situation, Commingled funds
Replies: 39
Views: 1869

Re: Need help with IRA, Roth IRA situation, Commingled funds

So I dug up the 5498 forms for my ira for the previous years. luckily the contributions were consistent. except in 2013. somehow there was $229.32 roth contribution. I believe at the time I was already over the income limit. 2013: 5270, box10 roth $229.32 I will need to correct this. looks like I w...
by Epsilon Delta
Fri Jan 06, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Liquidate retirement account with significant loss
Replies: 8
Views: 1068

Re: Liquidate retirement account with significant loss

The only time it could make sense is if the value of the account was below the basis. The basis is the total of non-deductible contributions. Generally you should not have that many non-deductible contributions to begin with. Using even numbers for example sake, say one contributed pretax $10K annu...
by Epsilon Delta
Fri Jan 06, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Another accidental IRA contributions - complex
Replies: 14
Views: 904

Re: Another accidental IRA contributions - complex

Ok, thanks. This might be further complicated by the fact that I moved this account from its original custodian to Vanguard late in the year. All contributions were made with the original custodian though, and there is only one fund. Who would I contact to determine the correct amount to remove? In...
by Epsilon Delta
Fri Jan 06, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3668

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

If we have questions about simple fingerprint readers, as on iphones, what about the infrared, 3-D facial recognition feature of a Windows Surface Book? I use the "Windows Hello" feature to secure my SB, and it doesn't seem spoofable. Anybody able to get around it? Maybe Facebook's biomet...
by Epsilon Delta
Fri Jan 06, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Liquidate retirement account with significant loss
Replies: 8
Views: 1068

Re: Liquidate retirement account with significant loss

The only time it could make sense is if the value of the account was below the basis. The basis is the total of non-deductible contributions. Generally you should not have that many non-deductible contributions to begin with.
by Epsilon Delta
Fri Jan 06, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another accidental IRA contributions - complex
Replies: 14
Views: 904

Re: Another accidental IRA contributions - complex

If I have my numbers correct, the final 2016 worksheet has me at a total of $3750 excess contribution paying $225 penalty. I contributed $2750 in 2016, so withdrawing that would reduce my total excess to $1000 and save me $165 in penalty. I'm not sure how to calculate the earnings on that $2750 as ...
by Epsilon Delta
Fri Jan 06, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Recharacterization
Replies: 26
Views: 1021

Re: Backdoor Roth IRA Recharacterization

Since you rollovered the 401(k) in 2015 the Dec 31 2015 balance of your tIRA would have been non-zero. If you did any conversion (including the second step of a backdoor Roth) in 2015 a 1040X may be in your future. :( Fidelity explained that the Rollover account didn't exist at the time of my 2015 ...
by Epsilon Delta
Fri Jan 06, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Recharacterization
Replies: 26
Views: 1021

Re: Backdoor Roth IRA Recharacterization

Hi - think I made a mistake and need some help please. For years, have had a separate (pass-through) Traditional IRA for the sole purpose of utilizing the Backdoor Roth IRA, and thus is kept at $0 before and after the conversion annually, never having a taxable event, cause I didn't have any other ...
by Epsilon Delta
Fri Jan 06, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2075

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

Are you talking about a year end statement or a statement that just happened to be dated December 31? These are not the same thing. There is a whole lot of reconciliation and such needed before you can close a year and produce year end statements. I would be surprised if this is complete in the 1st ...
by Epsilon Delta
Fri Jan 06, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3668

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Your finger print is potentially stored on everything you've ever touched or ever will touch, and even some high resolution photos. A fingerprint is not a secret. Security of a fingerprint cannot rely on secrecy, it must rely on being difficult to reproduce. Spoofing most finger print readers is not...
by Epsilon Delta
Fri Jan 06, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 1508

Re: GDP vs Market Return

If we have population growth, I'd expect GDP to grow to match it, since with 10% more people we can make 10% more apples. If the GDP doesn't grow we've somehow gotten worse at farming apples. Unless labor isn't the limiting factor. If there is no more land extra labor may not help, there's only so ...
by Epsilon Delta
Fri Jan 06, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax and Form 1116 date paid
Replies: 8
Views: 372

Re: Turbotax and Form 1116 date paid

Have you tried using a quote or space or similar in front? Something like '1099 taxes or perhaps "taxes from 1099"

Or complain to TT and wait for the fix, or just wait for the fix. (Which may not happen).
by Epsilon Delta
Thu Jan 05, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1400

Re: Estimated taxes

If you want to see the calculation it's on Form 2210 . TurboTax may have attached one to your return. I will also comment that if you really want to know about this you should spend some time with form 2210 and instructions and form 1040ES . Much of the information in this thread incomplete. Incompl...
by Epsilon Delta
Thu Jan 05, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: When is 59 1/2 for those born August 29, 30, 31?
Replies: 20
Views: 1836

Re: When is 59 1/2 for those born August 29, 30, 31?

livesoft wrote:If a few days matters to any one of the folks in this predicament, then I want to read about why. Thanks!

It should not matter if you're planning ahead, but if you already did it ...
by Epsilon Delta
Thu Jan 05, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Married Medical Resident, Fellowship, PAE, Married Filing Separately Pros/Cons
Replies: 8
Views: 690

Re: Married Medical Resident, Fellowship, PAE, Married Filing Separately Pros/Cons

White Coat Investor wrote:Why not recharacterize it as a traditional IRA contribution and then after the mandatory wait, backdoor it?

There is no waiting period after recharacterizing a contribution.

There is a waiting period after recharaterizing a conversion, but there is no conversion here.
by Epsilon Delta
Thu Jan 05, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 54
Views: 3668

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

Your fingerprints are all over the phone (and doorknobs, glasses etc) so are not at all secret. Whether somebody can take those fingerprints and produce something that will open the phone is hard to say, but historically most fingerprint readers have been rather easy to fool.
by Epsilon Delta
Thu Jan 05, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with IRA, Roth IRA situation, Commingled funds
Replies: 39
Views: 1869

Re: Need help with IRA, Roth IRA situation, Commingled funds

As the IRS views the tIRA there is only the current value and the basis. The pretax amount is simply the difference between the two. It doesn't matter whether that pretax amount came from your investment prowess (i.e. gains) or from deductible contributions. If you stop thinking about "gains&q...
by Epsilon Delta
Thu Jan 05, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments on long term cap gain, with half of last years income
Replies: 8
Views: 528

Re: Estimated tax payments on long term cap gain, with half of last years income

I'm getting this (this is our first time with a cap gain, and a drastic reduction in salary as well). So even though the "income" (gain) came in early January, we can spread out the ~$4500 only via extra payroll withholding to hit 90% of tax bill? I'm cool with equal quarterly payments, r...
by Epsilon Delta
Thu Jan 05, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Another accidental IRA contributions - complex
Replies: 14
Views: 904

Re: Another accidental IRA contributions - complex

Is that the gist of it? I just do this for all years through 2016 and then add up the total penalties? How do I know how much I need to withdraw? The amount in box 24 (total excess contributions) for the final year? Thanks! That's the gist of it. Adding up the total penalties tells you how much you...
by Epsilon Delta
Wed Jan 04, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the IRA Deduction Limits
Replies: 17
Views: 547

Re: How to calculate the IRA Deduction Limits

(however the calculator here is a bit different! https://www.calcxml.com/calculators/ira-calculator) I believe that calculator is incorrect. It appears to be using $98k - $118K as the phase-out range, rather than $99K - $119K. It's not incorrect. It's the 2016 version. Most of us haven't filed 2016...
by Epsilon Delta
Wed Jan 04, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4447

Re: Champion of 401K Lament the Revolution they Started

A few years back I remember checking the participation rate in my employer's plan - it was ~ 95% which is pretty good - except that our plan has a 1:1 match up to the first 5% of salary and includes a selection of several VG index funds (institutional class) with only a small recordkeeping fee adde...
by Epsilon Delta
Wed Jan 04, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4447

Re: Champion of 401K Lament the Revolution they Started

I'm not shocked, I know colleagues who do that. When asked why? the response is something along the lines of "I don't trust the employer with my money". :o But they do trust the employer to pay them every few weeks, right? :oops: At risk of going off topic. IMHO the :oops: is inappropriat...
by Epsilon Delta
Wed Jan 04, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Another accidental IRA contributions - complex
Replies: 14
Views: 904

Re: Another accidental IRA contributions - complex

If you assume all the contributions are excess you can figure the penalty on form 5329 for each year. The 2009 forms are below, you can find the rest by substituting for 2009 in the URLs. Since this is a Roth you will use part IV. For 2009 you should have $600 on line 23 $600 (your over contribution...
by Epsilon Delta
Wed Jan 04, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with IRA, Roth IRA situation, Commingled funds
Replies: 39
Views: 1869

Re: Need help with IRA, Roth IRA situation, Commingled funds

How do I deal with the gains I have in the tIRA over the years with the commingle funds? say my original rollover 401k was $21,000. and that's the amount I will be moving to my current 401k correct? As the IRS views the tIRA there is only the current value and the basis. The pretax amount is simply...
by Epsilon Delta
Wed Jan 04, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard goof up on contribution to IRA?
Replies: 25
Views: 1794

Re: Vanguard goof up on contribution to IRA?

Nothing is as "clear as mud" except the fact that shortcuts can beget long term trouble. I've learned this the same way you just have. Granted I'm now 65 and this might not resonate with digital natives, but my process is: Write a letter of instruction to go with a purpose-written check S...
by Epsilon Delta
Wed Jan 04, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another accidental IRA contributions - complex
Replies: 14
Views: 904

Re: Another accidental IRA contributions - complex

I just recently realized that I have not been eligible to contribute to a Roth IRA that was set up for me many years ago with automatic deposits. Things have been on autopilot with it and I never looked twice at it until I started actively managing my retirement accounts late last year. I'd like to...
by Epsilon Delta
Wed Jan 04, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Wortwhile to invest in more than 1 ETF when you have $2.5k?
Replies: 6
Views: 534

Re: Wortwhile to invest in more than 1 ETF when you have $2.5k?

If transactions costs were zero it would not matter how you invest $2.5k. Whether to divide it into your target asset allocation or lump it all into the largest bucket is more a matter of your personality than investment theory. The case for a single bucket is simplicity. The case for splitting is i...
by Epsilon Delta
Wed Jan 04, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Documents for Roth IRA - Vanguard
Replies: 3
Views: 304

Re: Tax Documents for Roth IRA - Vanguard

No documents needed if you made no withdrawals. But you are kinda asking very very very early about tax filing. Many people don't file until October after getting an extension. Thanks for the response. Not sure what you mean by extension. Usually tax filing deadline will be in April right? Yes, Usu...

Go to advanced search