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Based on your description, it seems like you might only owe $42, not $420. If you paid your state unemployment taxes on time, your FUTA tax rate should be 0.6% (not 6%) on the first $7,000 of income for each employee. So, $7,000 x 0.006 = $42 appears to be the correct amount. There is no harm in contacting the IRS to discuss the issue. In fact, it's better to clarify any misunderstandings and make sure your tax payments are accurate. Keep your documentation handy, as they may ask for specific details or proof of your state unemployment tax payments. If there is indeed an error, the IRS should be able to help you correct it and potentially refund the excess payment you made. It's always better to address tax issues proactively rather than l...

My next bread experiment will be the recipe mentioned in that blog post - Classic Sandwich Bread Recipe | King Arthur Baking . This recipe uses all-purpose flour. Read the comments if you want to use bread flour. Experiment complete, but I'm not happy with the results. The dough did not rise all that much, so I got a loaf that's about half the height it should be. That makes it more dense, but it didn't change the taste. It is indeed a very good quality white sandwich bread - the kind you remember growing up. However, it's the bland cardboard taste that lead me to not eating white bread. I go for the heartier, more flavorful breads - those with "character". Rather than figure out what I did wrong (combine all the ingredients inst...

JAZZISCOOL wrote: ↑Sat Mar 25, 2023 7:41 pm It's Saturday night so I'm listening to the Philly Blues Show on WXPN with Jonny Meister

https://xpn.org/program/the-blues-show/

I really enjoyed Taj Mahal's take on "Caldonia".

Same here. He's really killing it tonight. Lots of good stuff. The playlist is here: WXPN - Playlists

Like last week, I heard another song with funny lyrics. "My Dog Is Better Than You", by Big George Harp.

I'm not a tax professional, but I can try to help you understand the general concept of allocating capital loss carryovers between spouses when filing jointly. When a married couple files taxes jointly (MFJ), they are treated as a single tax entity. This means that both spouse's capital gains and losses are combined, and the $3,000 limit on capital losses that can be used to offset other income applies to the joint return, not to each spouse individually. In the example you provided, Spouse A has $60K of loss carryovers, and Spouse B has $40K of loss carryovers. When filing jointly, you would combine these amounts for a total of $100K in loss carryovers. The couple can utilize $3,000 of the combined capital losses to offset other income. T...

Sure, I'll do my best to explain these terms in a simple way! Dependent Care FSA (Flexible Spending Account): Imagine you have a special piggy bank that you can use to save money for taking care of your baby. The money you put in this piggy bank is taken from your salary before taxes are deducted, so you don't have to pay taxes on this money. You can use this money to pay for things like daycare or babysitters while you work or look for work. But remember, you can only save a limited amount of money in this piggy bank each year, and if you don't use it all, you might lose some of it. Child and Dependent Care Tax Credit: Think of this as a coupon that you can use to pay less in taxes. When you pay for someone to take care of your baby while...

While many large US-based companies do have a significant international revenue share, it's important to consider the benefits of diversification when constructing your portfolio. Simply investing in US-based companies with high international revenue may not provide the same diversification as holding an international fund. Here are some reasons why investing in an international fund can still be beneficial: Diversification: International funds provide exposure to companies in various countries, sectors, and currencies. This can help reduce the risk of your portfolio being overly concentrated in one market (in this case, the US market). Different economic cycles: Different countries can experience economic cycles at different times, and in...

I merged FredBloggs's thread into the ongoing discussion.

(Thanks to the member who reported the post and provided a link to this thread.)

This thread has run its course and is locked (relationship issue). See: Acceptable Topics and Subforum Guidelines

This is an investing and personal finance forum. We also maintain a subforum that allow our members to discuss consumer goods and services and recreational activities. Anything else is considered "Off Topic" and is not acceptable on this forum.

I removed an off-topic comment. As a reminder, see: General Etiquette

At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.

I also clarified the thread title.

tuningfork wrote: ↑Fri Mar 24, 2023 5:59 pm Let me tell you a personal anecdote about that!

You make a good point, thanks.

tuningfork wrote: ↑Fri Mar 24, 2023 5:59 pm I may end up using a Noctua air cooler instead of the AIO, despite AMD recommending 280mm AIO for cooling. I've seen articles testing the Ryzen 7000X series with air coolers. Still more things for me to investigate. Thanks for the suggestions!

My next PC is likely to be AIO cooling. Why? Aside from the technical reasons, I've never done that before and it looked interesting. It's why I build my own - for the fun and challenge.

curo - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

(Thanks to the member who reported the post and provided a link to this thread.)

How often do you move your PC around? It sounds like you are compromising things for about 4 kg (difference between Torrent full size and compact). Is it really worth the extra weight for what you'd have to give up?

Another consideration is that anything designed for maximum cooling will also maximize the fan noise. If your current case runs quiet now, how much additional fan noise can you tolerate?

Remember that you'll be next to this PC for hours on-end. Your brain will eventually ignore the noise, but it will build on you. Your mind will have a much easier time to focus on the task-at-hand without distracting noise.

This thread is now in the Investing - Theory, News & General forum (general discussion).

saseptim is asking this question in a new thread. See: Schedule B for form 1116

Responses should go in the new thread.

I merged tommy85's thread into a previous discussion. This thread is now unlocked to continue the discussion.

As noted earlier, please stay focused on the financial (donation / storage) aspects. Ethical / moral debates, as well as medical discussions, are off-topic.

This thread has run its course and is locked (not actionable, other people). See: Non-actionable or Trolling Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or world economic, political, tax, health care and climate policies conspiracy theories of any type discussions of the crimes, shortcomings or stupidity of other people , whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done. This thread is now in the Investing - Theory, News & Genera...

If a company offers an S&P 500 index fund, there are usually additional funds focused on mid-cap and small-cap indexes. I haven't seen this mentioned yet, but you can "roll your own" total market fund with those combinations.

See the wiki: Approximating total stock market

There is also something known as a "completion" or "extended market" index fund. See: Extended market index fund

The picture shows the general idea for both approaches.

I merged mreed911's thread into the locked the discussion.

(Thread remains locked for the reasons stated above.)

I revised your thread title to insert "Book review:". Otherwise, readers will assume it's a website article or something else.

Also, including that many entries is making your post very difficult to read. Try going one level higher to reduce the amount of detail.

As for the post formatting, the forum software is basically text-only or uses BBCode.

I recommend double-spacing without the HTML bulleted list entries.

The wiki has a ton of good examples which work here. See: Taylor Larimore's Investment Gems and follow the "Gem post" links.

ill wrote: ↑Wed Mar 22, 2023 6:33 pm

Silk McCue wrote: ↑Wed Mar 22, 2023 6:21 pm Edit your post and provide a more meaningful title if you want the right attention.

Cheers

edited. thanks.

I further revised the title to indicate this is a Form 1099-R.

This thread is now in the Personal Finance (Not Investing) forum (taxes).

This thread has run its course and is locked (not actionable). See: Non-actionable or Trolling Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include:

• US or world economic, political, tax, health care and climate policies
• conspiracy theories of any type
• discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.

I have corrected the thread title from "Total Money Market" to "[Total Stock Market]".

(Thanks to the member who reported the post and explained what's wrong.)

RETIRE ONE DAY - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

(Thanks to the member who reported the post and provided a link to this thread.)

This thread is now in the Personal Finance (Not Investing) forum (taxes).

This thread is now in the Personal Finance (Not Investing) forum (real estate).

Is there anything in the wiki that needs a correction? See: Bond pricing (Day count conventions)

The table shows US Treasuries using actual days, whereas corporate bonds use the 30/360 day count convention.

The way you phrased your original question, it wasn't clear that you were asking for your own portfolio. I moved your thread to the Personal Investments forum, which is intended for that purpose.

It might be easier to help you if we understood what you currently have. May I suggest you post your portfolio information in this thread using the Asking Portfolio Questions format? It will make you think about the "big picture" while giving us the information we need to point you in the right direction.

If you have any questions, ask them here.

captmorgan50 - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

I removed an off-topic interchange regarding a classic movie. As a reminder, see: General Etiquette

We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones.

New member 4three has a question which I've moved to a new thread. See: Improving tax efficiency of my investments

This thread has run its course and is locked (not actionable, rant). See: Non-actionable or Trolling Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include:

• US or world economic, political, tax, health care and climate policies
• conspiracy theories of any type
• discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.

This thread is now in the Investing - Theory, News & General forum (general discussion).

I merged barrybonds282's thread into the ongoing discussion.

I removed an off-topic post and several replies. As a reminder, see: General Etiquette

At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.

I removed a post regarding the unfairness of ACA subsidies (health care policy). As a reminder, see: Non-actionable or Trolling Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include:

• US or world economic, political, tax, health care and climate policies
• conspiracy theories of any type
• discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.

This thread is now in the Personal Consumer Issues forum (cellphone).

I merged Diaperman1's thread into the ongoing website discussion.

The app can be discussed in: Vanguard's new mobile app (formerly known as "Beacon")

(Thanks to the member who reported the post and explained what's wrong.)

I removed off-topic medical comments and images (quadricep cross-section). The reasons medical advice is not permitted in this forum: 1. This is an anonymous internet forum. It is not possible to verify anyone's identity (nor do we want to). Credentials also imply accurate advice, which may not always be the case. 2. There can be disagreement among experts, which can be harmful if someone is basing a medical decision on the advice. 3. A member's description may be incomplete. 4. Readers will misinterpret the member's description. 5. Readers will misinterpret the given advice. Since real harm can be done, we do not permit medical advice and is the reason for the first sentence in: Medical Issues Questions on medical issues are beyond the sc...

Exactly. Timing of when those motors start should be considered.

An important side note - You also have to size the circuit breaker accordingly. No, don't double the breaker size. Google "circuit breaker sizing inrush current" for a ton of info.

I haven't seen anyone mention surge current. The startup current for motors can sometimes be twice as high as the steady-state (running) mode of operation. Think of anything with a motor - well pumps, sump pumps, home heater fans, and refrigerators.

This is especially important when calculating the capacity of a home generator, but the same should apply here.

The calculator is also listed in the Bogleheads blog: Social Security Calculator

I mentioning this because someone emailed us that the blog was out-of-date and had an incorrect link. The blog has been revised.

Comments / questions / corrections to the blog page are welcome.

(I also fixed a typo in the thread title - add a comma to "etc.")

For our new investors, Bill Bernstein is William Bernstein.

(I added a colon ':' in the thread title for readability.)

This thread has run its course and is locked (topic exhausted, rehashing the same points). See: Locked Topics

Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.

aboose wrote: ↑Mon Mar 13, 2023 3:10 pm Someone should make a thread about home gyms while we're at it. That's my dream, and to splurge on nice equipment like Eleiko stuff...

There was a subsequent discussion which I've moved into a new thread. Here you go: Bogleheads powerlifters - What equipment are you using for a home gym?

This thread is now in the Personal Finance (Not Investing) forum (IRA).

This thread is now in the Investing - Theory, News & General forum (general discussion).

This thread has run its course and is locked (general economic discussion). As noted in the site owner's post in the locked thread Re: U.S. stocks in free fall : A reminder from the forum policies: Investing - Theory, News & General If it's investment related and it doesn't fall into the above category it goes here. General economic discussions do not fall under the category of "investment related". Nor do they fall under the allowed topics in any of our other forums. You will have to find another site or outlet if you wish to take part in such discussions. Just in case the previous was unclear, we specifically addressed this issue in the following policy: Non-actionable (Trolling) Topics If readers can't do anything with the...

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT

- It must be personal. In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, such as a family member.

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If you have a specific question, please ask directly and provide sufficient information for members to supply appropriate advice.