Search found 6955 matches

by Epsilon Delta
Fri Feb 16, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 69
Views: 3371

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

There are a good many ways to become permanently disabled. Only a few of them involve uninsured motorists. You could insure against most of them with a disability policy or only a few.

I have seen nothing in this thread that this policy is different in any way dread disease insurance.
by Epsilon Delta
Thu Feb 15, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can I reverse a Roth -> Trad IRA Recharacterization?
Replies: 4
Views: 200

Re: Can I reverse a Roth -> Trad IRA Recharacterization?

pub 590A wrote: Election cannot be changed.

After the transfer has taken place, you cannot change your election to recharacterize.
by Epsilon Delta
Thu Feb 15, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for 2018 recharacterization of 2017 Roth conversion
Replies: 3
Views: 333

Re: Taxes for 2018 recharacterization of 2017 Roth conversion

Is Vanguard Target Retirement 2030 Fund the only thing in your Roth?

Have you made any other contributions to or withdrawals from the Roth between the conversion and the recharacterization?

Either of these would affect the earnings calculation.
by Epsilon Delta
Thu Feb 15, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1362

Re: Keep crows off of chimney caps

I'm less bothered by the nesting than the banging, which the spikes would seem to impede, but maybe I'll talk to the extension office here to see if they have suggestions. Then one possibility is to replace the metal chimney caps with ceramic ones. You could also put a wooden perch above the sheet ...
by Epsilon Delta
Thu Feb 15, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6759

Re: Wisdom of Bitcoin

GPUs are general purpose devices and could be used on any highly parallizable computation, weather forecasting, simulating the formation of galaxies, even generating CGI movies. The list is very large. You could do many of these with the cards in situ. On the other hand there are very few uses for c...
by Epsilon Delta
Thu Feb 15, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1612

Re: Digital alarm clock suggestions?

e) Some easy-to-interpret AM/PM indicator that doesn't require me to remember at night that the bright dot means "AM" when I can't see the unlit "AM" label. (Believe it or not, the Emerson overloads a single LED to mean both "before noon" and "AM radio band.") Use the 24 hour setting, like all sane...
by Epsilon Delta
Thu Feb 15, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Please Check my W-4 Strategy
Replies: 5
Views: 716

Re: Please Check my W-4 Strategy

I believe the TCJA changed the supplemental withholding rate on bonuses less than $ 1 million to 22% instead of 25%. I have also seen some reports that it changed to something else, but I'll go with the numbers in Pub 15
by Epsilon Delta
Thu Feb 15, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Unfinished basement ideas
Replies: 41
Views: 5287

Re: Unfinished basement ideas

While I'd usually a minimalist for basements, if kids are going to be playing down there I'd seriously consider walling in the mechanicals (furnace and water heater). I'd probably make that enclosure a little bigger than needed so I had a safe space to store breakables like storm windows and flower ...
by Epsilon Delta
Thu Feb 15, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: Why do American Funds hold so much cash?
Replies: 8
Views: 1126

Re: Why do American Funds hold so much cash?

There are also reasons funds report holding cash but do not act like they hold cash. The first is security lending. Collateral for loaned securities is usually cash. This leads to a gross cash position. The gross position is reported, although the net cash position is essentially zero (the collatera...
by Epsilon Delta
Thu Feb 15, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2324

Re: Potentiometer for motor speed control- any electrical engineers around?

It appears that the rheostat is to be adjusted to a single value and left there. If that is the case once he knows the resistance that is needed the rheostat can be replaced by a fixed resistor or resistors. That might allow greater design flexibility, since fixed resistors are usually smaller and ...
by Epsilon Delta
Tue Feb 13, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 67
Views: 3510

Re: Question for music experts about musical keys

There is also musical tradition. A musician sees a certain key and thinks "that should be melancholic" so he plays it that way. And then the people listening to him learn the same thing.
by Epsilon Delta
Tue Feb 13, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Two in One Year
Replies: 15
Views: 1262

Re: RMD Two in One Year

Selling the house could result in taxable capital gains in 2018, which could favor avoiding other income in 2018. Given the home sale exclusion It's not likely, but it is possible.
by Epsilon Delta
Tue Feb 13, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: rmd disaster
Replies: 23
Views: 2495

Re: rmd disaster

THANKS AGAIN It looks like they purchased a tsa with my 401k money following plan rules. I will ask if this is reversible the plan rules look very murky when talking about filling out vanguard forms when getting to age 70 1/2 So the "if we buy an annuity if we don't hear from you" is a rule in your...
by Epsilon Delta
Tue Feb 13, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2324

Re: Potentiometer for motor speed control- any electrical engineers around?

It appears that the rheostat is to be adjusted to a single value and left there. If that is the case once he knows the resistance that is needed the rheostat can be replaced by a fixed resistor or resistors. That might allow greater design flexibility, since fixed resistors are usually smaller and b...
by Epsilon Delta
Tue Feb 13, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: IRS Form 8606 (Nondeductible IRAs)
Replies: 53
Views: 6017

Re: IRS Form 8606 (Nondeductible IRAs)

Or payback for passing tax bills on Dec 22.
by Epsilon Delta
Tue Feb 13, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Gut check on Roth Re-categorization + Taxes + Back Door Roth
Replies: 4
Views: 374

Re: Gut check on Roth Re-categorization + Taxes + Back Door Roth

- Report that I recategorize my IRA contribution in Turbo tax for my 2017 return so I don't get dinged by the IRS This should include a 2017 form 8606 to report the non-deductible contribution. - Wait until I file my 2018 tax return to report the Backdoor Roth via 1099-R (my broker said they wouldn...
by Epsilon Delta
Mon Feb 12, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 942

Re: Schedule B Interest Question

Maybe I'm being dense, but I don't think anyone's addressed my question. Let's say Box 1 contains a value of $200, and Box 3 contains a value of $100. Do I make a single $300 entry on Schedule B for the payer, or do I make one $100 entry and one $200 entry, or does it not matter? $300, because Repo...
by Epsilon Delta
Mon Feb 12, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3720

Re: Going Paperless Issues

My wife and I are trying to go completely paperless for our bills and payments and all our expenses. Why? That is not a rhetorical question. What you are trying to achieve should affect the answers to the rest of you questions. If you are perepetatic snail mail may not be useful, so it could make s...
by Epsilon Delta
Mon Feb 12, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 2974

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

However even if you pay zero income taxes refundable tax credits you could still not have a zero marginal rate . Decreasing taxable income may still be beneficial if it increases refundable credits. For example it in some cases it can be worthwhile to use a deductible IRA or 401(k) to reduce taxabl...
by Epsilon Delta
Mon Feb 12, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 2974

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

In the OPs case I would not contribute to 401k past the match since he pays no federal income taxes based on his income and family situation. He’s volunteering to potentially paying taxes later while forgoing guaranteeing not paying taxes now. Interesting point, so do I take the 10% I am paying ove...
by Epsilon Delta
Mon Feb 12, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV does not equal income dividends?
Replies: 8
Views: 1118

Re: 1099-DIV does not equal income dividends?

Short term capital gains distributions are included as "ordinary dividends" on a 1099.

You also need to look at any foreign tax payed. Any foreign tax paid in box 6 needs to be added to distributed dividends to arrive at box 1.
by Epsilon Delta
Mon Feb 12, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How will underpayment (Fed tax) be determined for 2018 taxes?
Replies: 2
Views: 331

Re: How will underpayment (Fed tax) be determined for 2018 taxes?

I have not heard of any changes to the safe harbor rules. On the other hand some times when withholding tables have been changed the IRS has granted penalty waivers (as a matter of administrative grace) to taxpayers who were under-withheld solely because changes to the withholding tables. IIRC the w...
by Epsilon Delta
Mon Feb 12, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Accidental Rollover of after tax contributions to a traditional IRA (thread 2)
Replies: 2
Views: 178

Re: Accidental Rollover of after tax contributions to a traditional IRA (thread 2)

I think you have the concept down. Although you'd want to carry the basis from line 2 and 3 to line 14 as well. However, if you read the list of reasons to complete part I of form 8606 (and which are repeated in a little more detail in the 8606 instructions) none of them say "Rollover basis from a 4...
by Epsilon Delta
Mon Feb 12, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Paying 1 tax payment on a Roth conversion--using IRS Direct.
Replies: 5
Views: 517

Re: Paying 1 tax payment on a Roth conversion--using IRS Direct.

You can make one large payment in the first quarter rather dividing it into than four equal payments for the four quarter. The descriptions of the safe harbors don't cover this but if you want to work through form 2210 (underwithholding penalties) you'll find any excess payment in one quarter is car...
by Epsilon Delta
Sun Feb 11, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 6987

Re: Are Password Managers Really Necessary?

t's also better to not re-use the same password across all sites, since if someone gains access to one account, they could in theory gain access to all the other ones. Isn't that exactly what a password manager does though ? First of all a password manager does not have a password. It has an encryp...
by Epsilon Delta
Sun Feb 11, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 67
Views: 6104

Re: What criteria warrants a need for Living Revocable Trust?

Note that a trust can also die (be terminated), so you still have to pay a certain amount of attention over long periods of time if you designate somebody else's trust as a beneficiary.
by Epsilon Delta
Sun Feb 11, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Backdoor Roth question
Replies: 5
Views: 410

Re: Vanguard Backdoor Roth question

Vanguard IRA to Vanguard Roth IRA Conversion Form 5. Account to receive your converted assets Option B. Convert assets into a new Vanguard Roth IRA and allocate to the same funds being converted in Section 4. All fund choices and allocations will remain the same. Option C. Convert assets into a new...
by Epsilon Delta
Sun Feb 11, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4013

Re: How does one emotionally keep it together during market swings?

Don't look so often. It's easier to deal with emotions once a year or once a quarter when you rebalance on schedule rather than continually. You do not have to construct a spreadsheet to update your net worth in real time. You do not need to remember what the DOW was yesterday, let alone what the pe...
by Epsilon Delta
Sun Feb 11, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2324

Re: Potentiometer for motor speed control- any electrical engineers around?

I (and others) would be curious to know the reason for the requirements. Nonetheless, this part, while not cheap at $76, should do the job: https://www.digikey.com/product-detail/en/ohmite/RJS6R0E/RJS6R0E-ND/824085 Note - this is a 6 ohm part. I would have chosen a 2 ohm, but the lead time is 16 we...
by Epsilon Delta
Sun Feb 11, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 13
Views: 895

Re: officiate a marriage

http://www.jdbar.com/Statutes/DRL-11/drl-11.html 4. A written contract of marriage signed by both parties and at least two witnesses, all of whom shall subscribe the same within this state, stating the place of residence of each of the parties and witnesses and the date and place of marriage, and ac...
by Epsilon Delta
Sun Feb 11, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2098

Re: Mesh wifi solution sought for new house

Epsilon Delta, you must have missed the part about interior fieldstone walls in this 3 story main building. 3db signal reduction? From your lips to the ears of the great electrician in the sky, but I’m convinced that one single router has zero chance, even in the ma8n build8ng, much less than to th...
by Epsilon Delta
Sun Feb 11, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2324

Re: Potentiometer for motor speed control- any electrical engineers around?

Digikey or any other electronics supplier. A 0-10Ohm 50W rheostat should do the job and are available. (I'm guessing on the Ohms and Wattage, I think I'm being conservative here but not sure). Any such rheostat will probably be larger than you want and may be disturbingly expensive. You say you can'...
by Epsilon Delta
Sun Feb 11, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Roth conversion in Mutual Fund account and 1099
Replies: 3
Views: 238

Re: IRA Roth conversion in Mutual Fund account and 1099

You are way overthinking this. What is a rollover and what is not a rollover is basically meaningless. There is not a global definition of "rollover", and being a rollover does not determine how it is taxed or reported. Things are rollovers because some random clause of the tax code says they are. T...
by Epsilon Delta
Sun Feb 11, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2098

Re: Mesh wifi solution sought for new house

Toons, I'm trying to avoid using them as "range extenders," with the resulting speed degradation. Your house is 1500 SF; I don't know precisely what my new one is, but it's at least 5000SF, with a lot of fieldstone walls. I don't think that range extenders will do it. 5000SF is not that much bigger...
by Epsilon Delta
Sun Feb 11, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle excess Roth IRA contributions
Replies: 1
Views: 183

Re: How to handle excess Roth IRA contributions

Everything you say makes sense. The tax cost of just withdrawing everything would be that tax on the earnings on the allowed contribution. You should be able to put an upper limit on this. Say you use VTI which is up 20% for 2017 and a 33% marginal rate. So < $400 * 20% * 33% = $26. Use your own tax...
by Epsilon Delta
Sun Feb 11, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 44
Views: 4134

Re: Replacement for Google Finance price quote function

From my experience programming and in quality control I would say these are the type of things that really should be encapsulated in a visual basic function (or google app srcript). That way the main spreadsheet contains many lines like MYGETQUOTE( "VTI" ) and you can more easily change the web scra...
by Epsilon Delta
Sun Feb 11, 2018 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Yes, one is required to use the tax tables. So plan wisely to save a few dollars
Replies: 23
Views: 3446

Re: Yes, one is required to use the tax tables. So plan wisely to save a few dollars

If you're completing all of part I of form 8606 you can decide how many decimal places to use on line 10.
You could also try doing the forms with and without rounding.
by Epsilon Delta
Sat Feb 10, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 987

Re: Another tire question - rotation for low mileage?

When you have your brakes inspected tire rotation usually comes for free or a very small fee, depending on your mechanic.
Typically the schedule for brake inspections is enough with modern tires, which may last 50k miles. You don't need to rotate every 5k miles anymore.
by Epsilon Delta
Sat Feb 10, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help - why do I owe so much in taxes this year
Replies: 17
Views: 3229

Re: Help - why do I owe so much in taxes this year

I agree with feehater. Another thing that might explain the withholding is if one year's wages were "lumpier" than the others. Typically you will have larger withholding if paychecks vary (some larger, some smaller) instead of all the paychecks being equal. Some causes of lumpy paychecks are bonuses...
by Epsilon Delta
Sat Feb 10, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Recharacterization? (I made a mistake)
Replies: 4
Views: 304

Re: IRA Recharacterization? (I made a mistake)

Note you can only recharaterize the contribution once. If there is a possibility you might not qualify for a Roth contribution you should hold off until you are sure. This matters more if it is a 2018 contribution, since you probably have a handle on your 2017 eligibility by now.
by Epsilon Delta
Sat Feb 10, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3487

Re: Jogging in the cold.

Even when its that cold, the hardest part is the fact that you do warm up eventually! Then what do you do with all the extra clothes that you don't want anymore ?!? Could loop back to home. Or could put it in pockets. Put on your clothes. Putter in the kitchen for a few minutes. Go up and down the ...
by Epsilon Delta
Fri Feb 09, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes for Surgical Resident
Replies: 78
Views: 3557

Re: NYC Taxes for Surgical Resident

Please explain how the above statement is wrong. OP will not be a resident of NYC and therefor will not be required to pay NYC tax. Again, how is that inaccurate? Because he meets the definition of part-year resident for NYS & NYC income tax purposes while he will be living in NYC. See here: https:...
by Epsilon Delta
Fri Feb 09, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5337

Re: Suggest coffee maker please

I've been rinsing grounds from my French press down the drain for decades. Same with the grounds from the gold cone filter we use in the automatic drip maker. Much less messy than putting it in the trash! That depends on your drains. Some of them will let you know they do not appreciate coffee grou...
by Epsilon Delta
Fri Feb 09, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2139

Re: How Do You Discuss Starting Time when You Get a Job Offer

At the very least after you accept you should ask where and when you are expected to show up. It's amazing how many employers won't mention this without asking. If they want clairvoyance they should put it in the job description. A couple of times this has been at a different location and a differen...
by Epsilon Delta
Fri Feb 09, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 8606 (Nondeductible IRAs)
Replies: 53
Views: 6017

Re: IRS Form 8606 (Nondeductible IRAs)

I made a non-deductible contribution to an IRA in 2015 and filled out form 8606 to reflect that contribution on my 2015 taxes. Do you have to keep filing form 8606 each year if there isn't a contribution made or a distribution taken? Yeti No, you only need to file the 8606 for certain IRA transacti...
by Epsilon Delta
Fri Feb 09, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1610

Re: Multiiple indicator lights on (car)

Car is 2004 and isn't driven much. I'm just looking for generic suggestions, thus the generic 2004 car. In some sense there are no generic cars. There are cars without alternators, cars without belts, cars without carburetors :twisted: . While cars built in the same year are usually quite similar a...
by Epsilon Delta
Fri Feb 09, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5337

Re: Suggest coffee maker please

Also if you want consistency you'll get more consistency using a bigger scoop of the right size. E.g. quarter cup instead of four level tablespoons. If you can't find a scoop of the right size use a larger one and add a few marbles. I've found things like "four heaped tablespoons" have a large varia...
by Epsilon Delta
Fri Feb 09, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5337

Re: Suggest coffee maker please

Pour-over is the same basic method as used by most 'automatic' coffee makers, except you heat the water in a kettle and pour it over by hand. Typically a paper filter is used. The difference is you have more control over water temperature and the rate the water pours. Manual gives more control in t...
by Epsilon Delta
Thu Feb 08, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Could something bad happen with an index fund?
Replies: 4
Views: 637

Re: Could something bad happen with an index fund?

The chances of such a catastrophe happening are vanishingly remote, although not zero. The main downside of splitting assets between custodians is the added complexity of managing more accounts. If it helps you sleep better it's pretty harmless to split your accounts. It's at worst a minor eccentric...
by Epsilon Delta
Thu Feb 08, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 98
Views: 5337

Re: Suggest coffee maker please

In a drip coffee maker there is no significant pressure from the steam. You need a closed and sealed pressure vessel to get above atmospheric pressure. This would be a metal espresso maker for example. For single cups cone filters may be easier to use than the flat Mr. Coffee basket. If a flat botto...