Search found 7046 matches

by Epsilon Delta
Sat Feb 24, 2018 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Getting two w2 at same time
Replies: 10
Views: 625

Re: Getting two w2 at same time

Be aware that if you have 1099 income, you would be responsible for SE tax at the rate of 15.3% vs FICA tax of 7.65% for W2 income. Unless your wages and self employment income exceed $128,400 (for 2018). Once your SS earnings exceed that number you only pay 2.9% Medicare tax on additional earnings...
by Epsilon Delta
Fri Feb 23, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Reverse a backdoor roth due to new IRA account
Replies: 7
Views: 324

Re: Reverse a backdoor roth due to new IRA account

And the soonest that could happen (assuming she quit her job today and got a new 401k next week) would be after the first of the year as I understand it - because this is a recharacterization of a conversion, not a recharacterization of a contribution. I believe you have to wait until the next cale...
by Epsilon Delta
Fri Feb 23, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 34
Views: 1616

Re: Favorite socks?

My nephews solve the odd sock and sock sorting problem by wearing socks that do not match.

I'm not sure if this is a teen fashion thing, if they are lazy, or if they are brilliant.
by Epsilon Delta
Fri Feb 23, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 34
Views: 1616

Re: Favorite socks?

I tried getting a bunch of identical socks. Differential fading made sorting them more difficult. If the socks are distinct colors I can use the O(n) postmans sort. If they are all slightly different shades of gray I need to use a O(n log(n)) comparison sort.
by Epsilon Delta
Fri Feb 23, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Third floor too hot with central A/C: options?
Replies: 20
Views: 1075

Re: Third floor too hot with central A/C: options?

We might see how this approach works this summer, but based on similar attempts in our prior home I don't hold out much hope. I'm thinking of ways to take care of the problem while we still have parts of the house torn apart. Anywhere that is torn apart: Air seal, make sure the roof (or attic) is p...
by Epsilon Delta
Fri Feb 23, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 1749

Re: Review ettiquette

Is this a normal thing? In previous companies, particularly with technical professionals, "attitude" and "negativity" were not really high on the list of evaluation components. Completely dysfunctional review systems are the norm. You will also need to look at the idiosyncrasies of your own company...
by Epsilon Delta
Fri Feb 23, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 589

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Note that the amounts may vary by quarter. For instance, if my 2017 taxes were $20,000, I need to have paid $5,000 by 4/15. If withholding for the 1st quarter was $3,000, I'd send in $2,000 on 4/15. Repeat on 6/15 with 2nd quarter numbers (a "next level" approach is that I need to have paid $10,000...
by Epsilon Delta
Fri Feb 23, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 589

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

NOW - for 2018 - same problem with large Cap Gains looming.... not sure what strategy to use.... I agree with what stone19 wrote, so I won't duplicate it. It seems to me that if you expect 2018 to be like 2017 you have at least three reasonable choices. Consider a $15 penalty to be close enough to ...
by Epsilon Delta
Fri Feb 23, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Secure File-Share Service for Small NPO
Replies: 5
Views: 341

Re: Secure File-Share Service for Small NPO

Many organizations got into this sort of mess because every eager new person who comes along sees that the organization has a mess of old systems and adds a new system that should solve all the problems. IMHO the way to simplify is to get rid of things instead of adding them, if you are not getting ...
by Epsilon Delta
Fri Feb 23, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.
Replies: 3
Views: 275

Re: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.

Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe. I have been trying to get a proper answer on this question supported by math and statistics for a long time but I haven't been able to figure it out on my own. For example, the 200 moving average in th...
by Epsilon Delta
Fri Feb 23, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 35
Views: 3116

Re: How Secure Is Your Apartment

If you have a Windows system you can use Paint to clip out portions of the image after you've scanned it. Paint is (or was) a simple enough program and supports simple enough formats that that should be safe. You can't say that for many more complex programs and formats. There is often a lot of "me...
by Epsilon Delta
Fri Feb 23, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Man, man this thread got off topic, although it's been a thought-provoking discussion ;-) Yes, so I should stop here. I agree with what you said within some caveats, quibbles and countermeasures. :twisted: On the main point of this thread you can't tell what the user needs to do unless you understa...
by Epsilon Delta
Fri Feb 23, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Tax Penalty on Roth IRA
Replies: 38
Views: 2905

Re: Tax Penalty on Roth IRA

Earnings Includible in Income You must include in income any earnings on the contribu- tions you withdraw. Include the earnings in income for the year in which you made the contributions, not the year in which you withdraw them. Strikes me as a little nuts, but that is what it says! The motivation ...
by Epsilon Delta
Fri Feb 23, 2018 3:56 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 35
Views: 3116

Re: How Secure Is Your Apartment

One idea I am considering: blacking out all ID numbers on docs, then scanning, storing in cloud and on a flash drive, and shredding original docs. Flash drive stays in safety deposit box. If you are going to black out before scanning it is best to scan in black and white or scan and then optical ch...
by Epsilon Delta
Fri Feb 23, 2018 3:31 am
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Actually I was assuming pretty lousy storage practices. With a 20 character random password, the only thing you really need to worry about right now is whether the password was actually properly hashed at all. IM A O it's lousy storage practice if a 3 byte random character password can be usefully ...
by Epsilon Delta
Fri Feb 23, 2018 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Tax Penalty on Roth IRA
Replies: 38
Views: 2905

Re: Tax Penalty on Roth IRA

I bought VBLTX with it, so the earnings on that excess $550 (x2) is jack, any tax penalty on those earnings is jack, and even a 6% tax hit on the contrib excess isn't worth any extra hassle to me. What's the EASIEST way for me to handle this? If you want to just be done with it, call your custodian...
by Epsilon Delta
Fri Feb 23, 2018 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Reducing Taxes in 2018
Replies: 10
Views: 1234

Re: Need Help Reducing Taxes in 2018

jacoavlu wrote:
Thu Feb 22, 2018 10:41 pm
child tax credit is $2000, the average human gestation is 40 weeks, we’re halfway through week 8 of 2018...
The deadline is curiously close to April 15th*. Coincidence or conspiracy? :shock:

* The measured gestation period of 40 weeks starts 10 to 17 days before conception.
by Epsilon Delta
Fri Feb 23, 2018 1:48 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2758

Re: What's the impact of no more Roth recharacterization?

In theory you could also take a tIRA distribution in the last week of December and have 60 days to do a indirect rollover into either a Roth or tIRA. Does anyone have any thoughts about this? Typically, to hit a target tax bracket, one would take a tIRA distribution in late December. Then after tax...
by Epsilon Delta
Fri Feb 23, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2758

Re: What's the impact of no more Roth recharacterization?

Not clear what you mean by "indirect" rollover, but if it means you get cut a check then you are subject to 20% withholding which means you have to come up with the difference or else the withholding is considered a distribution. That is what I mean by an indirect rollover. The 20% mandatory withho...
by Epsilon Delta
Fri Feb 23, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Geothermal Heating and Cooling Tax Credits Reinstated
Replies: 3
Views: 557

Re: Geothermal Heating and Cooling Tax Credits Reinstated

You could also consider filing now and amending later to claim the credit.
Although I would probably just wait on the updated form unless that is delayed beyond April 15.
by Epsilon Delta
Fri Feb 23, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Spousal deductible Trad Contribution
Replies: 13
Views: 681

Re: Spousal deductible Trad Contribution

If you are married filing jointly, all that matters is your joint income. That may or may not be how the law is applied, but it is not how the law is written. Only the lower compensated spouse can make a Kay Bailey Hutchison Spousal IRA. If the husband's compensation is greater than the wife's then...
by Epsilon Delta
Fri Feb 23, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 589

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Figured I would spread out the payments during 2017 with the ES-1040, and even with the ES-1040 payments last year of $20,000 (4 x $5,000) there is still a penalty, as TurboTax is calculating a required ES-1040 payment of ..... $8,300 or a total of $33,200 vs my deficit of just $24,000. What approa...
by Epsilon Delta
Thu Feb 22, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1164

Re: Recessed 4 inch LEDs: Recommended brands

Though in the past I have lit some rooms to near daylight intensity. That takes a lot of bulbs. By my calculations the lower end of full daylight in a bright white room would require 800lumen (60W incandescent equivalent) on a grid spaced 16 inches apart. In a typical bedroom that would be 150 bulb...
by Epsilon Delta
Thu Feb 22, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: Any downside to back-door Roth regardless of income?
Replies: 12
Views: 996

Re: Any downside to back-door Roth regardless of income?

There are two downsides, which in my opinion are pretty minor. 1. You can not withdraw your contributions for 5 years in the event of a conversion (provided you are under 59 1/2 obviously). If you contribute directly to a Roth, you can withdraw your contributions at any time, regardless of age. Thi...
by Epsilon Delta
Wed Feb 21, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2758

Re: What's the impact of no more Roth recharacterization?

In theory you could also take a tIRA distribution in the last week of December and have 60 days to do a indirect rollover into either a Roth or tIRA. I have no clue what your intention was in posting this. What does this have to do with the elimination of Roth recharacterizations? It accomplishes s...
by Epsilon Delta
Wed Feb 21, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Which Inflation Rate Do You Use?
Replies: 19
Views: 1101

Re: Which Inflation Rate Do You Use?

Medical expenses are up though, and they are included in these figures. Most increase in medical expenses are not inflation. Getting old and medical expenses going up is not inflation. Hip replacements instead of being confined to a rocking chair are not inflation. A $1,000,000 cure for a previousl...
by Epsilon Delta
Wed Feb 21, 2018 4:41 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2350

Re: Blank line doubling

LadyGeek wrote:
Wed Feb 21, 2018 4:28 pm
As Peculiar_Investor notes, I have a day job. I am working on it and will report back once I see what's wrong.
Your efforts are appreciated.

At least on my part any discussion is trying to be helpful. Please ignore it if or shut it down if it's not helpful.
by Epsilon Delta
Wed Feb 21, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2758

Re: What's the impact of no more Roth recharacterization?

In theory you could also take a tIRA distribution in the last week of December and have 60 days to do a indirect rollover into either a Roth or tIRA. Does anyone have any thoughts about this? Typically, to hit a target tax bracket, one would take a tIRA distribution in late December. Then after tax...
by Epsilon Delta
Wed Feb 21, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

DaftInvestor wrote:
Wed Feb 21, 2018 3:57 pm
Walker-down-the-street: I just want to know the time!
Respondent: It's time for you to buy a watch. :twisted:
by Epsilon Delta
Wed Feb 21, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Actually I was assuming pretty lousy storage practices. With a 20 character random password, the only thing you really need to worry about right now is whether the password was actually properly hashed at all. IM A O it's lousy storage practice if a 3 byte random character password can be usefully ...
by Epsilon Delta
Wed Feb 21, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Furthermore, even if you pick a password which could theoretically be cracked in a month or so using a sufficiently really powerful password cracking cluster, in practice cyber criminals are certainly not going to actually go to this trouble and will go after the accounts which are easier targets. ...
by Epsilon Delta
Wed Feb 21, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 31
Views: 2711

Re: Mental Accounting -- How to solve problem

To the OP: you need to live within your means on a monthly basis. Variable Income is fine so long as it varies ABOVE the minimum you need each month. This makes as much sense as saying you need to live within your means on a daily basis, so can only spend money every second Friday when you have inc...
by Epsilon Delta
Wed Feb 21, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1912

Re: House rewiring - cost of copper

In general I think trying to future proof is a waste of time and money. The amount of just-in-case cable that is dark and will always remain dark is staggering. So I just install what I plan to use in the next year or so. I bought a bulk reel of cat 5 a decade ago and I just use what is on hand. I r...
by Epsilon Delta
Wed Feb 21, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 31
Views: 2711

Re: Mental Accounting -- How to solve problem

The problem with most mental accounting is not that it is mental, it is that it is not accounting. Most people end up double counting a lot of income, expenses, assets or liabilities. You can double count on paper too. One solution is to learn the simplest possible set of accounting rules and apply ...
by Epsilon Delta
Wed Feb 21, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 31
Views: 2711

Re: Mental Accounting -- How to solve problem

To the OP: you need to live within your means on a monthly basis. Variable Income is fine so long as it varies ABOVE the minimum you need each month. This makes as much sense as saying you need to live within your means on a daily basis, so can only spend money every second Friday when you have inc...
by Epsilon Delta
Wed Feb 21, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: CPA recommends to NOT contribute to SEP IRA
Replies: 15
Views: 1840

Re: CPA recommends to NOT contribute to SEP IRA

His CPA is recommending that he NOT contribute to his SEP IRA this year because "it will not provide any tax benefit this year and he will have to pay taxes on it later". She recommends that he only contribute to his ROTH IRA. Is this terrible advice? He has the means to max both accounts. Do you m...
by Epsilon Delta
Wed Feb 21, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1912

Re: House rewiring - cost of copper

If I wasn't in a big hurry, I would thoroughly research smart circuits and home automation, sound, entertainment, video, security, outdoor lighting, data cabling AND wireless options before embarking on a house rewire. The best practice is to go wireless? The problem is that wired technologies go o...
by Epsilon Delta
Wed Feb 21, 2018 12:42 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2350

Re: Blank line doubling

It seems that including an image is causing the format issues I reported. ... However, a few of my posts are now very difficult to read. So, I think the best way forward for me is to excise the offending images from my posts and avoid their use until this is resolved. I believe there is a very good...
by Epsilon Delta
Wed Feb 21, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9126

Re: Do you wear a wedding band? [at a job interview]

JCE66 wrote:
Wed Feb 21, 2018 7:55 am
I used to think the opposite (prefer singles to marrieds), but that has changed over time.
Did you happen to get married yourself during that evolution?
by Epsilon Delta
Wed Feb 21, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 2758

Re: What's the impact of no more Roth recharacterization?

The change has definitely made it more difficult to stay within a specific marginal tax bracket. For example, under old tax law the transition from 15% to 25% was expensive if you missed it, since additional dollars of ordinary income bumped from being taxes at 15 to 25% for federal PLUS an equal d...
by Epsilon Delta
Wed Feb 21, 2018 3:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard Stock Quote Different?
Replies: 3
Views: 359

Re: Vanguard Stock Quote Different?

My Guess, Vanguard's giving the market cap at the previous days close

From the NASDAQ
close 171.85
prior close 172.43
market cap 871,969,134,050

Prior market cap = 871,969,134,050 / 171.85 * 172.43 = 874,912,061,590
by Epsilon Delta
Tue Feb 20, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5308

Re: Yikes, I waited too long, am I [too late]? 50k to invest

I have a roth IRA. Remember the max is actually $5500 for the IRA so you could put in the additional $500 if you haven't already filed your taxes. If he's eligible he can put the extra $500 into a Roth IRA whether or not he's file his taxes. There would be no tax paper work since a Roth contributio...
by Epsilon Delta
Tue Feb 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP 72t AND 5 Year Roth Conversion
Replies: 7
Views: 538

Re: SEPP 72t AND 5 Year Roth Conversion

:sharebeer A toast to Catfish for doing his own research and answering his own question. At the risk of confusing matters: It may be possible to do a Roth conversion of some of the IRA the SEPP is being drawn from, but AIUI at the very least the converted value needs to remain segregated in a new Ro...
by Epsilon Delta
Tue Feb 20, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Penalty on Roth IRA
Replies: 38
Views: 2905

Re: Tax Penalty on Roth IRA

I'm 37, just leaving it in there and paying 6% does not seem to be a bad idea with those options since I'm thinking that $5500 will make more than that by the time I do retire, especially considering stocks did so well this past year. I was, perhaps, not clear. The 6% excise tax is 6% of the excess...
by Epsilon Delta
Tue Feb 20, 2018 8:44 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 29
Views: 2350

Re: Blank line doubling

The referenced posts are from 2015: Sacramento, CA Area Chapter - Master Thread and Sacramento, CA Area Chapter - Meeting Notes Archive It is not just old posts. The opening post in this thread from yesterday does it too. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=242145 Ron As do five p...
by Epsilon Delta
Tue Feb 20, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Penalty on Roth IRA
Replies: 38
Views: 2905

Re: Tax Penalty on Roth IRA

It looks like I made more money last year than I thought I would and I went from no penalty to all of a sudden having to pay 6% on the full $5500. What's the best strategy in this situation? There are three options: Withdraw the contribution plus earnings. The earnings will be tax in 2017 and have ...
by Epsilon Delta
Tue Feb 20, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Other password testers will tell you the entropy, redundency, and general overall strength In one of his podcasts, the Steve Gibson I mentioned made an interesting point... He asserted that, once one evades a dictionary attack and the hacker has to rely on brute force, the degree of entropy in the ...
by Epsilon Delta
Tue Feb 20, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

Who exactly is grc? What assurance do we have that they don't put every password they generate into the password cracking dictionary? What assurance do we have that their web site is secure, and can't be hacked to do the above? If you want secure random passwords do the random yourself, privately. ...
by Epsilon Delta
Tue Feb 20, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 2568

Re: Current Vanguard password practices?

The password must be randomly generated. This site is a quick and easy way to do it: https://www.grc.com/passwords.htm Who exactly is grc? What assurance do we have that they don't put every password they generate into the password cracking dictionary? What assurance do we have that their web site ...
by Epsilon Delta
Tue Feb 20, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria used to make Roth Conversion decision
Replies: 39
Views: 2713

Re: Criteria used to make Roth Conversion decision

The tax code is finite so the list of reasons should also be finite, but it is quite long. I have never seen an actual enumeration of all possible reasons for strange marginal rates. Check out the link I posted above. It has a list of numerous phase outs - things that can make your marginal rate di...