Search found 6451 matches

by Epsilon Delta
Wed Aug 02, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Did I mess up opportunity to perform backdoor Roth IRA
Replies: 12
Views: 852

Re: Did I mess up opportunity to perform backdoor Roth IRA

Do you have any other traditional IRAs in your name, including SIMPLE, SEP or rollover IRAs? If you are in doubt if an account is a "traditional IRA in your name" its better to ask before you do anything else. Hopefully you don't but there is enough misunderstanding of the rules that it's worth chec...
by Epsilon Delta
Tue Aug 01, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: Market anomalies versus the equity risk premium
Replies: 23
Views: 1276

Re: Market anomalies versus the equity risk premium

I don't think it's safe to say the there is no fundamental reason for the value and small premiums. But if there is a fundamental reason we don't know what it is. We do know these premiums are not explained by standard deviation and correlations. So if they are "real" using the premiums exposes you...
by Epsilon Delta
Tue Aug 01, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6069

Re: DIY Radiant Barrier in attic?

In your attic, the interior of the roof surface is probably only 340K, while your ceiling temperature is around 300K. Since these two tempeartures are not that different, there will not be a great deal of radiative transfer between the roof and ceiling surfaces. I suspect conduction and convection ...
by Epsilon Delta
Tue Aug 01, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Market anomalies versus the equity risk premium
Replies: 23
Views: 1276

Re: Market anomalies versus the equity risk premium

I don't think it's safe to say the there is no fundamental reason for the value and small premiums. But if there is a fundamental reason we don't know what it is. We do know these premiums are not explained by standard deviation and correlations. So if they are "real" using the premiums exposes you ...
by Epsilon Delta
Tue Aug 01, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Bed headboard DIY
Replies: 7
Views: 634

Re: Bed headboard DIY

Here's a web page with the detailed answer: https://www.stlbeds.com/bolt-wood-headboard-footboard-to-bed-frame/ (2) 2 ¼" carriage bolts. If your headboard is thicker, you may want to get the 4 ¼” carriage bolts instead. (2) ½” nuts Perhaps not a fully trustworthy source. A foolish consistency is th...
by Epsilon Delta
Tue Aug 01, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4516

Re: What to do with 3oz of gold?

tadamsmar wrote:Bars are perhaps somewhat more subject to tampering where you dill a hole and fill it partially with lead to get the density right.
Gold is almost twice as dense as lead. You could counterfeit a pure lead bar by partially filling a hole with gold, but the reverse doesn't work.
by Epsilon Delta
Tue Aug 01, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Bed headboard DIY
Replies: 7
Views: 634

Re: Bed headboard DIY

I'd use a 1/4 inch SAE. Length will depend on the thickness of the headboard.

A steel bolt should be much stronger than wood, so the sizing is not critical. In any non-critical situation I try to use 1/4 inch, possibly with a lot of washers. That keeps my inventory of fasteners down.
by Epsilon Delta
Tue Aug 01, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 1969

Re: Looking for a single speed commuter bike, less than $400?

In principle a single speed can run the chain fully enclosed in an oil bath. The chain and sprockets would would probably last decades if you topped up the oil occasionally. However I don't think that an enclosed chain is readily available. What you'd save on chains you'd lose on buying a custom bi...
by Epsilon Delta
Mon Jul 31, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4516

Re: What to do with 3oz of gold?

Hammer it into foil and gild all your lilies. It should be good for several thousand flowers.
by Epsilon Delta
Mon Jul 31, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5053

Re: Why is everything done with a mouse?

I just wish, for example, that you could initiate a trade at Vanguard by typing B for Buy or S for Sell (or even T for Trade) as an alternative to slogging your way through pop-up menus. I find mousing through (well organized) menus is best for things I do once or infrequently, while keyboard comma...
by Epsilon Delta
Mon Jul 31, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 1969

Re: Looking for a single speed commuter bike, less than $400?

In principle a single speed can run the chain fully enclosed in an oil bath. The chain and sprockets would would probably last decades if you topped up the oil occasionally. However I don't think that an enclosed chain is readily available. What you'd save on chains you'd lose on buying a custom bike.
by Epsilon Delta
Sat Jul 29, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1643

Re: Colorado Vehicle Registration fees

My 13 year old minivan is taxes at $3.00 on its value (as other pointed out the tax based on value goes down every year). They they add another $112.00 in various fees. Now the state claims these fees are not a "tax" and thus you can only deduct the $3.00 from your federal income tax :( boo hooo Fe...
by Epsilon Delta
Sat Jul 29, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance vs Life.Insurance at higher NW levels
Replies: 5
Views: 588

Re: Disability insurance vs Life.Insurance at higher NW levels

Dealing with three children and a severely disabled spouse could be harder (or more expensive) than dealing with three children. At some level of disability the spouse would require significant care giving, It depends on how severely disabled and the likelihood of that but it's something to think ab...
by Epsilon Delta
Sat Jul 29, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Getting Warm/Hot Water from Cold Line in Condo
Replies: 27
Views: 2599

Re: Getting Warm/Hot Water from Cold Line in Condo

Why? I'm thinking it's possible (but highly unlikely, because can't account for the pressure imbalance that would drive the hot-->cold water flow) that a mixing valve could have failed and is allowing hot water into the cold water line. The flow creates the pressure differential. If water is flowin...
by Epsilon Delta
Fri Jul 28, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2939

Re: Use Guest wifi for thermostat, Roku, etc.

If the guest's device is corrupted and starts an attack (unknown to the guest), that is an issue for my private network as well. The answer would seem to be to have a separate closed network for at-risk devices that have no need for access to the private network but not be exposed to the guest netw...
by Epsilon Delta
Fri Jul 28, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: Compute standard deviation / sharpe ratio (multiple funds)
Replies: 34
Views: 2100

Re: Compute standard deviation / sharpe ratio (multiple funds)

Conceptually the way to calculate the s.d., sharpe ratio, etc of a portfolio is exactly the same way you compute them for a single investment. First you calculate the value of the portfolio for each day (or month, year etc) in your period and then run the formula for s.d. etc on the resulting time s...
by Epsilon Delta
Thu Jul 27, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2939

Re: Use Guest wifi for thermostat, Roku, etc.

What am I guarding against? Your thermostat controls equipment worth thousands of dollars and protects a house which is worth hundreds of thousands of dollars. This is probably one of the more valuable things you have on a computer network. Any reasonable plan puts the thermostat behind a firewall ...
by Epsilon Delta
Thu Jul 27, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2939

Re: Use Guest wifi for thermostat, Roku, etc.

What am I guarding against? Your thermostat controls equipment worth thousands of dollars and protects a house which is worth hundreds of thousands of dollars. This is probably one of the more valuable things you have on a computer network. Any reasonable plan puts the thermostat behind a firewall ...
by Epsilon Delta
Thu Jul 27, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3834

Re: WiFi Thermostat?

If I felt the need to remotely monitor a HVAC system I would never rely on the sensor that is controlling the system. I would install a second temperature sensor and monitor that. The issue is if the sensor fails by reading, say, 50 degrees too high it will happily keep the temperature 50 degrees to...
by Epsilon Delta
Wed Jul 26, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Amortization Schedule with Extra Payments
Replies: 33
Views: 2677

Re: Help with Amortization Schedule with Extra Payments

Row Col A Col B 1 Rate 0.25% 2 Term 240 3 Principal 250,000.00 4 Regualr payment 1,386.494 = PMT(0.25%, 240, -250000, 0) 5 Extra payment 700.000 Col A Col B Col C Col D Col E Monthly Principal Interest Row Month Payment Balance Reduction Paid ... 42 168 1,386.49 51.23 4,138.39 21.09 43 169 51.36 0....
by Epsilon Delta
Tue Jul 25, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 884

Re: Low cost Roth IRA contribution

Another possibility is the Government run MYra . This would be useful for somebody who wants to get started but can't commit a lump sum or monthly minimum. Once they have accumulated enough in the MYra it can be transfered to a mutual fund. IMHO people pay too much attention on how to invest small a...
by Epsilon Delta
Tue Jul 25, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 1807

Re: Garage Remodeling

If you are concerned about earthquake hazards you might want to consider other, more common, hazards from an attached garage. These include fire hazard (stored fuel), CO hazard (running engines), and a wet area for electrical work. Building codes usually require mitigation but older garages were not...
by Epsilon Delta
Mon Jul 24, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited IRA Decisions, Early Retirement
Replies: 15
Views: 1192

Re: Help with Inherited IRA Decisions, Early Retirement

Because my husband was only 55 when he died (and this was a rollover of his 401k, not an existing IRA, btw), and because I knew I wanted access to the money before I turned 59.5, I specifically had it titled as an inherited IRA. However, I have read in multiple places (and was told by Vanguard) tha...
by Epsilon Delta
Sun Jul 23, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 40
Views: 8922

Re: Anyone feel like talking "R"

several layers of quotes snipped At least it's not Fortran in C++. Or worse, Visual Basic in Visual Basic. It's always fun when the tech whizkids bash C and Fortran these days -- they just don't get how performing these languages can be. I won't bash Fortran in Fortran, even idiomatic "Fortran" in ...
by Epsilon Delta
Wed Apr 19, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I take 6% penalty for excess Roth IRA contribution since I had significant earnings?
Replies: 77
Views: 5911

Re: Should I take 6% penalty for excess Roth IRA contribution since I had significant earnings?

3) That said, several recent posts suggest that the OP may have a very small ($80?) TIRA pre tax balance AND/OR may be in the 0 or 10% bracket in 2017. If that turns out to be the case this is a rather unique fact pattern , and the recommendation to remove the excess amount without earnings becomes...
by Epsilon Delta
Thu Mar 23, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Saver's Credit + My Stupidity = No Saver's Credit?
Replies: 10
Views: 1917

Re: 2016 Saver's Credit + My Stupidity = No Saver's Credit?

OP here. Thanks again everyone for all the responses. It has been extremely helpful and I think my main takeaway has been, make sure to read the fine print when dealing with tax-related issues. Anyhow, for those who have read the previous comments, I figured out that a total of ~$4500 to my spouse'...
by Epsilon Delta
Thu Mar 23, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 2040

Re: Small appliance electrical safety

The output of 1000 W heats the food, the "rated power consumption" or input of 1450 W is the load is on the circuit. If you want to know how much heat goes into the food use a thermometer, a stop watch and a couple of liters of water. Specific heat capacity of water is 4200J/kg/K. This is...
by Epsilon Delta
Tue Mar 21, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4626

Re: Investing in - WATER - thoughts

The US is rich enough to contemplate desalinization for flushing toilets (1/4 of domestic use). Salt water works fine for that application, although the distribution problem is mind boggling. There are other alternatives that work fine and use little or no water, the main issue is lack of support. W...
by Epsilon Delta
Tue Mar 21, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3037

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use both, and have since we got a GUI (of sorts) in Unix version 7. This applies across Windows, OS2, some mainframe stuff and various versions of Unix (including Mac). Some things are inherently GUI, web browsing and reading mail, playing most games. I could browse the web or read mail on the com...
by Epsilon Delta
Mon Mar 20, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Saver's Credit + My Stupidity = No Saver's Credit?
Replies: 10
Views: 1917

Re: 2016 Saver's Credit + My Stupidity = No Saver's Credit?

Earnings are taxable IN the year you made the contribution, not FOR the year. You made the contribution in 2017 and so recently there probably would be at most a very small amount of earnings returned if you request the return soon. Well, Pub 590A says "in", while 8606 instructions say &q...
by Epsilon Delta
Mon Mar 20, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Partial mortgage payoff, consolidation
Replies: 8
Views: 784

Re: Partial mortgage payoff, consolidation

Keeping cash for the new purchase only make sense if it is possible if you will be in a good enough position to finance two houses at once. For many people no matter what they do they are not going to be able to qualify for two mortgages or a bridging loan, so any purchase has to be contingent on a ...
by Epsilon Delta
Mon Mar 20, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 6694

Re: Best way to expand my vocabulary?

Everybody has two volcabularies. Productive vocabulary is what you say or write. Receptive vocabulary is what you understand. Reading material that is a stretch for you will increase your receptive vocabulary. This is a good thing because you will understand more people, and are less likely to be ba...
by Epsilon Delta
Mon Mar 20, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Saver's Credit + My Stupidity = No Saver's Credit?
Replies: 10
Views: 1917

Re: 2016 Saver's Credit + My Stupidity = No Saver's Credit?

I have a number of more or less unrelated comments. First you need to read form 8880 and instructions. If you've already read it, read it again noting the following. The maximum contribution allowed for each person is $2000, in the 50% tier this is a tax credit of $1000. If both spouses are eligible...
by Epsilon Delta
Mon Mar 20, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Excess Contributions
Replies: 10
Views: 1309

Re: Roth IRA Excess Contributions

I think they're supposed to be trained to say "Vanguard doesn't give tax advice, consult your tax advisor." The ones I have spoken to have been very well trained.
by Epsilon Delta
Mon Mar 20, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I understand it ?
Replies: 17
Views: 2111

Re: Backdoor Roth - do I understand it ?

I think that makes perfect sense. And I wish everyone would figure it out. But I don't see that happening. Thus, the suggestions on how to keep things simpler. I have a fair amount of sympathy for the keep it simpler view. My intention, if not my wording, is to show that it's not serious problem if...
by Epsilon Delta
Sun Mar 19, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can I minimize the Tax Torpedo and future Medicare costs?
Replies: 27
Views: 2736

Re: Can I minimize the Tax Torpedo and future Medicare costs?

I plan to delay taking SS until age 70 as longevity insurance, not to maximize my expected return.
by Epsilon Delta
Sun Mar 19, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I understand it ?
Replies: 17
Views: 2111

Re: Backdoor Roth - do I understand it ?

I don't understand why you don't see using money market is useful. It seems to me that it doesn't cost anything (for a few days). It seems to me it makes things easier. Am I missing something? I don't see any particular difficulty to filling out the 8606 with a modest gain or loss, so I don't see i...
by Epsilon Delta
Sun Mar 19, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13578

Re: Paying $20 to E-File State Return

A paper return is opened by somebody who can identify a check and operate a scanner. They are not going to scrutinize the return except possibly for dogeared edges that will jam the scanner.
by Epsilon Delta
Sun Mar 19, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to figure whether its good to move all IRA into 401k to do backdoor Roth
Replies: 26
Views: 1470

Re: How to figure whether its good to move all IRA into 401k to do backdoor Roth

Bad idea...never mind. It wasn't entirely bad. Delaying the conversion of non-deductible contributions makes sense if they are invested in low return assets (such as your TIPS ladder). The tax on a years growth in the could tIRA could be less than the cost of using the 401(k) for a year. Even if th...
by Epsilon Delta
Sun Mar 19, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to figure whether its good to move all IRA into 401k to do backdoor Roth
Replies: 26
Views: 1470

Re: How to figure whether its good to move all IRA into 401k to do backdoor Roth

If my approximate tax drag for 5 years of $1914 is good, then I could guesstimate the cost of transferring my IRA into 401k. Assuming the same 12.97% return Year 1 starts out at $400k, year 2 $451k, year 3 $509k, year 4 $575k, year 5 $649k....so 8 basis point for 5 years is $320+$360+407+460+519 = ...
by Epsilon Delta
Sun Mar 19, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Fixing 2016 IRA Contributions
Replies: 5
Views: 758

Re: Help With Fixing 2016 IRA Contributions

Like me, she has Traditional, Rollover, and Roth IRAs at Vanguard. Due to a rookie mistake from many years ago, her Traditional IRA already has a non-deductible portion. As I mentioned, she doesn't work, so she doesn't have a 401(k) to roll in to. Doing a Roth conversion for her would cost us too m...
by Epsilon Delta
Sun Mar 19, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I understand it ?
Replies: 17
Views: 2111

Re: Backdoor Roth - do I understand it ?

I admit to being unfamiliar with carried forward basis in this situation, but I let my tax software fill out my form 8606. Sounds like a $50 decline in my tIRA prior to conversion this year could be used to offset a $50 gain in subsequent years. Good... There are people who think it carries over an...
by Epsilon Delta
Sat Mar 18, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect taxed medicare earnings on social security statement
Replies: 10
Views: 900

Re: Incorrect taxed medicare earnings on social security statement

The SS Administrations record of your SS earnings will be used to calculate your future SS benefits. So there is a good reason to make sure the SSA has the correct numbers, or more cynically, to make sure they have numbers no lower than the correct ones. As far as I know the SSA does not use Medicar...
by Epsilon Delta
Sat Mar 18, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA reality check
Replies: 5
Views: 670

Re: Backdoor Roth IRA reality check

I agree with you on both points, some people make this seem much harder than it is.
by Epsilon Delta
Sat Mar 18, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 6136

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

If the fridges are 15 years old then there will be a significant saving. Ditto if there are dedicated freezers. At a bet, c 50% less consumption. His house has 68kW generator and a 3kW extractor fan. It's likely much of the other equipment is on a similar industrial scale. The normal rules of thumb...
by Epsilon Delta
Fri Mar 17, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paralysis by Analysis
Replies: 12
Views: 1270

Re: Paralysis by Analysis

For many people job loss is one of the more likely high impact "emergencies". One disadvantage of most 401(k) loans is that many of them become payable immediately if you lose your job. If you don't repay the load balance becomes a distribution and you pay taxes and a 10% penalty. So if yo...
by Epsilon Delta
Fri Mar 17, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 19
Views: 1735

Re: How to know if power is cut to smoke detector

The smoke detectors should be on their own, independent circuit. Cutting all the lights would likely do nothing. Try removing the backup battery and then plug it in. Does it throw a short "beep"? They may or may not be on a dedicated circuit (experts argue it both ways). But usually all t...
by Epsilon Delta
Thu Mar 16, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 19
Views: 1735

Re: How to know if power is cut to smoke detector

The smoke detectors should be on their own, independent circuit. Cutting all the lights would likely do nothing. Try removing the backup battery and then plug it in. Does it throw a short "beep"? They may or may not be on a dedicated circuit (experts argue it both ways). But usually all t...
by Epsilon Delta
Wed Mar 15, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Amend Return - MFJ to MFS
Replies: 37
Views: 2259

Re: Amend Return - MFJ to MFS

Since 2008 the 1040 instructions have also said "Do not file more than one original return for the same year". It's in the section "How to avoid common mistakes".
by Epsilon Delta
Wed Mar 15, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate Now Or Wait for End of Month Dividends
Replies: 2
Views: 380

Re: Reallocate Now Or Wait for End of Month Dividends

And if you were asking the other question: You will get the benefit of the dividend whether you sell the fund before or after the ex-dividend date. Typically for a stock or balanced fund accrued dividends are added to the NAV (net asset value) of the fund as the security issuers pay them to the fund...