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In United States
Registered Feb 12, 2010
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SiO2's most recent comments:
- On 9 May 2013
in
bmwman91's Buying Adventure Log,
SiO2 said:
bmwman91 says
Here's a copy of a post I made on a car audio forum a while back. It is the best bullshit I have ever come up with haha.
Fuse polarity...it's been a while since someone asked...the other thread got me thinking.
You can get away with Radio Shack fuses if you want, but you may also want to consider stepping up to the hi-fi standard. Cheap fuses use impure glass to encase the fusing element, and this definitely plays a detrimental role in your audio system's output. The impurities in the glass become excited by the changing electromagnetic flux as the power draws of the system vary. In doing so, reflections are sent back into the power supply. This will lead to muddy highs and, to a higher degree, impotent bass performance.
:) you have a future in marketing if your current job doesn't work out. It's got just enough fact to be impressive and believable. Are you sure you don't work for UltraSystems already? - On 8 May 2013
in
bmwman91's Buying Adventure Log,
SiO2 said:
Oakland was just reported to have the highest robbery rate in the US:
http://www.mercurynews.com/ci_23191895/oakland-robbery-capital-america?source=rss_emailed
Yes, I'm sure that there are nice parts. But between reputation, and commute distance to many jobs, the price will be depressed. OTOH for those who can handle the commute, or have a work at home situation, or work in SF, and find the right low-robbery zone, it could be a relative bargain.
BMWman, congrats on the purchase, may you enjoy many hours wrenching on that sweet e30 in your garage. - On 2 May 2013
in
Another reason 401K plans are a poor investment,
SiO2 said:
dublin hillz says
2. Max out Roth IRA.
Yes!
There's an income limit to Roth IRA contributions, and many readers will exceed that limit. But, there's a backdoor way. You can make a nondeductible IRA contribution annually, then convert to Roth IRA immediately. Since you would not have made any return in the time that the money is in the IRA, no tax is paid. Then it grows tax free. This has been available since 2010.
A gotcha is that if you already have an IRA, and have not converted it to Roth IRA (including paying the tax on the investment proceeds) then this gets complicated. You can't just say "I'm putting in $5500 and converting this $5500 to IRA, therefore no tax". It's something like you are converting some percentage of the IRA, so have to pay tax on that percentage of the investment returns. I don't know all the details as I didn't face that case.
Also, Roth doesn't have required min distribution like regular IRA does, so there's more flexibility in retirement.
Summary - if you don't have an IRA, doing the IRA contribution -> Roth IRA conversion is excellent. If you already do, consider if you want to convert it to Roth, and how those taxes work out; it can be complicated.
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