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Re: Free one year UPS MyChoice Premium membership
Are pickups free with premium?

You can get 1 pickup each day, called smart pickup. My driver usually comes around 5

July 08, 2019, 02:58:58 PM
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Re: Future US tax policy
Not working.
Congress Is Coming for Your IRA
The Secure Act would upend 20 years of retirement planning and stick it to the middle class.

By Philip DeMuth
July 9, 2019 7:06 pm ET

Like grave robbers opening King Tut’s tomb, Congress can’t wait to get its hands on America’s retirement-account assets. The House passed the Setting Every Community Up for Retirement Enhancement Act, known by the acronym Secure, in May. The vote was 417-3. The Secure Act is widely expected to pass the Senate by unanimous consent. While ostensibly helping Americans save for retirement, the bill would actually reduce the value of all retirement savings plans: individual retirement accounts, 401(k)s, Roth IRAs, the works.

The main problem with the Secure Act is that it eliminates the stretch IRA, the fixed star in the financial-planning firmament since 1999. The stretch IRA lets savers leave their retirement accounts to children, grandchildren or other beneficiaries. Under current rules, the recipients can parcel out the required minimum distributions from the accounts over the course of their actuarial lifetimes. Payouts tend to be relatively small for children but grow in size over the decades until the inherited IRA might comfortably provide for the child’s retirement through the power of tax-deferred compounding. A parent could die with the knowledge that, whatever vicissitudes their children might experience in life, they won’t have to worry about retirement.

Congress wants to kill this. The Secure Act gives nonspouse beneficiaries 10 years to pull out all the money in an IRA. The effect would be to make more of an IRA subject to higher taxes sooner, as distributions are made in supersize chunks. As much as one-third more of an inherited IRA would get gobbled up by taxes than under current rules. When the Tax Cuts and Jobs Act expires in 2025, taxes will rise across the board. If President Trump signs the Secure Act into law, the stage will be set for a taxpocalypse sometime in the next decade.

In exchange for its windfall under the Secure Act, Congress will push back the age at which retirees must take their first required minimum IRA distributions from 70½ to 72. This isn’t the deal American savers were promised when they made contributions to their IRAs the last 20 years. Before, the optimal approach was for savers to leave their IRAs to their children or grandchildren and stretch the payouts over decades.

Under the Secure Act, an IRA owner could still leave the account to a surviving spouse, who’d remain exempt from the 10-year clock. But the widow would be paying taxes in the higher “filing single” bracket. The bracket can easily jump from 12% to 25% or from 24% to 35% as the mandatory payout ratios automatically increase with age. For example, the required minimum distribution for a 70-year-old is 3.7% of the retirement-account balance; for a 90-year-old it is 8.8%.

Should a $1 million IRA pass to a high-earning adult daughter, at best she would have to take payouts adding $100,000 of annual income on top of her salary for a decade. If she lives in a high-tax state, half the annual payout’s value could be lost to taxes.

It gets worse. The Secure Act would be a college planning nightmare for middle-income parents. If the parents of college-age children inherit a $500,000 IRA, the resulting highly taxed mandatory distributions—say, $50,000 a year for 10 years—would make them richer on paper than they actually are, eviscerating their ability to qualify for need-based financial aid. If those parents decide to postpone taking the distributions for four years to avoid the financial-aid effect, they would need to double up on distributions after graduation to compensate, which would land them in a higher tax bracket. If the grandparents skip a generation and leave the IRA directly to the college-bound grandchild, the “kiddie tax” would require the distributions to be taxed at the parents’ rates. Whichever way the family turns, they lose.

The Secure Act would be an estate-planning catastrophe for people with significant IRAs. It would take the sensible planning done up until now and stand it on its head. In the past, an IRA owner might have established a trust if his intended beneficiaries were young. Under the Secure Act, IRAs will no longer be subject to annual required minimum distributions, so an IRA of $1 million placed in a trust for the benefit of an 8-year-old could conceivably receive nothing for nine years. Then at year 10, by law, the IRA would have to pay out everything. Now the young beneficiary turns 18, and suddenly he gets a windfall. With a decade of additional compound growth, the original IRA could have grown to $2 million or more. All is delivered in one year, so most of it is taxed in the highest brackets. If the trust language allows the trustee to keep the money in the trust, it will be taxed at the exorbitant federal trust tax rate of 37% on income over $12,500. And don’t forget state taxes.

The insurance industry loves the Secure Act’s mandate that annuities be offered as a payout option in all retirement plans. Insurance companies sold more than $230 billion worth of annuities in 2018, and they would like to push that figure higher. Annuitizing retirement-plan assets is generally a bad idea unless the retiree needs all the cash for living expenses and can find a very low-cost annuity that is indexed to CPI-E—the inflation rate facing senior citizens that includes their increasingly expensive medical care. Unfortunately, such an annuity doesn’t exist.

The mandatory offer of an annuity is a first step that could lead to the mandatory annuitization of all retirement accounts. This would shoehorn the distributions into higher brackets, accelerate the collection of tax revenue, and eliminate the “problem” of the inherited IRA. Best of all, politicians would get to accomplish all this without voting to raise taxes.

Ted Cruz of Texas is the Senate’s main holdout against the Secure Act. His concern is that the House version dropped a niche provision that would allow tax-advantaged 529 Plans to pay for home schooling. He might be able to hold out, but it’ll be a stretch.

Mr. DeMuth is author of “The Overtaxed Investor: Slash Your Tax Bill and Be a Tax Alpha Dog.”

July 10, 2019, 07:40:36 AM
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Re: New Coin Deal
Need to start banning violators.

Just make me a Mod and I will just keep deleting the posts. they will get the hang of the rules very fast.

July 10, 2019, 12:49:15 PM
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Re: We need a dedicated MOD to enforce the rules in GFS and DR!
We need a dedicated MOD to enforce the rules in GFS and DR!

Just make me a Mod and I will just keep deleting the posts. they will get the hang of the rules very fast.

Done.

July 10, 2019, 03:31:12 PM
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Re: AN URGENT APPEAL TO THE NY YESHIVA COMMUNITY
I didn't miss any point and just asked a simple question.

It is great that the Talmud teaches all those different things. Lets just pick a subject, math. Do you believe you can learn as much about math from the Talmud as from a HS math class?

On a high school level of Talmud vs. high school level advanced math - no.

However:

1) It's easier to teach math later on than it is to teach critical thinking and thoughtful analysis. Furthermore, most colleges have college classes that cover both basic high school math as well as more advanced high school math. This is an important point in 2 ways - it shows that many students outside the yeshiva world are entering college without a firm grasp of these concepts, and it also shows that even if one did not get a strong math education prior to college, that need not hold them back.

2) A solid foundation of basic math, including fractions, is more important for most people than the advanced math of high school. I will accept that the problem with this perspective is that a small number of students excel at more advanced math, and without the exposure to it, there's no way for them to know if they have an aptitude for productive and lucrative careers in those fields. While this exposure can come later, I can see the advantage of earlier exposure.

Things like math and reading aren't just a bunch of facts you can gauge on a standardized test. They're skills that need practice.

Skills that need practice require homework, studying, and then you gauge how well the students have acquired those skills. Generally, the accepted way to do so is on a standardized test of some kind, although as a former teacher I can debate that as well.

Recommending more hours of classes despite students demonstrating proficiency in a subject seems like a waste of time.

July 12, 2019, 02:49:57 PM
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Re: Deals on deathwatch. BG master thread
July 14, 2019, 10:06:52 PM
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Re: US Politics/2016 Election Pick Your Poison Master Thread
https://www.msn.com/en-us/news/politics/aoc-unloads-on-trump-after-he-tells-progressive-congresswomen-to-go-back-to-home-countries/ar-AAEjNGD?li=BBnb7Kz
Trumps America is "White America". For all you that are naïve and don't understand let me enlighten you. Those that support Trumps "White America" do not consider Jews "White".
I agree that some of Trump's supporters feel that way, I just don't think Trump does.
Either way, the tweet yesterday was his biggest mistake of his presidency. Things were going so well for him, his approval numbers were on the rise, the Democratic party was fighting amongst themselves, and some media was finally focusing on the ridiculous habit of calling every criticism an act of racism. But the Trump gets in the middle of the Democratic party infighting with an actual racist comment ending all momentum. Now the Democrats are united again against him. Now the media will stop looking at AOC calling pelosi racist and just focus on calling Trump racist.
This is really the biggest misstep he's had (although he's definitely done worse things), but he just can't help himself. He needs to be the center of attention even if it's negative attention. Like a toddler.

July 15, 2019, 08:36:48 AM
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Re: Deals on deathwatch. Honestly surprised it lasted so long
July 15, 2019, 03:21:02 PM
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Re: US Politics/2016 Election Pick Your Poison Master Thread
Sometimes being an enabler is fun :-)


Have you lost your mind?

July 17, 2019, 11:24:40 AM
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Re: US Politics/2016 Election Pick Your Poison Master Thread
.
So, not his comment then.

July 17, 2019, 11:27:10 AM
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Re: RIP/BDE Master Thread
Justice John Paul Stevens
One of the great ones.
Man of tremendous integrity and intellectual honesty.

July 17, 2019, 11:31:51 AM
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Re: US Politics/2016 Election Pick Your Poison Master Thread Trump isn't really a republican, not in the pre-2016 definition anyway. He's a populist with some republican ideas and some pretty outlandish views on free trade and foreign affairs.

He's also done nothing to cut federal spending, even when he had majorities in both houses of congress.

July 17, 2019, 03:36:47 PM
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Re: US Politics/2016 Election Pick Your Poison Master Thread
Mr. "Both sides are awful" deflects criticism of himself by talking about how bad other people are
i think it's an accurate statement to say both of those things are awful. Trump's comments were racist, Omar has made several anti-Semitic comments. It's not deflecting to call both out

July 18, 2019, 10:04:15 PM
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Re: Appliance Repair Thread -- Any Technicians Here?
Quiz time.
So it was Friday and the central AC goes out. Outside unit fan is running and the compressor just hums for a few seconds. Want to guess what it is?

shabbos

July 22, 2019, 07:19:25 PM
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Re: Master CRYING thread!
Didnt get replaced. It's the same person.   Im convinced
POIDH

July 23, 2019, 09:24:18 AM
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Re: We need a dedicated MOD to enforce the rules in GFS and DR!   .
July 23, 2019, 12:15:02 PM
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Re: Paging eBay sellers (if they still exist)
https://www.lakewoodcity.org/
https://www.lakewood.org/Home
http://www.onelakewood.com/
It's evident in the ignorance of my response, that it's Lakewood New Jersey

July 23, 2019, 05:59:03 PM
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Re: Points/Miles Values NO BUYING/SELLING ALLOWED
Giving someone .6 or .8 is taking them to the cleaners. Like when they offer 1.25 for MR.  :)

I know a broker who would offer .6 for spg back when it was going for 2c.. he'd get bites so he kept offering it.

July 23, 2019, 08:49:33 PM
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Re: Silent Killer I don't think the problem in our community is pot. You can argue with that but just because many of the people who end up turning to harder drugs also did pot first, doesn't mean that the problem is pot. I know many people with varying degrees of frumkeit who smoke pot with varying regularity, some very often, some very infrequently but I don't see reason to think that it is the cause of greater issues any more than alcohol or anything else (as an aside, the abuse of alcohol in our community is also a major problem.) I think that the fact that the number of people in our community who are smoking pot is growing, is because of the shift of said people more towards the secular world which doesn't see smoking pot as something bad or something that should be stigmatized. Can it lead to bigger problems? Sure, but I think it's another symptom of the same problem, not the problem in and of itself. I think the majority of kids who ends up doing heroin may have started with pot but the reason they ended up doing heroin is not that they smoked pot first. This being said, I am not blind to the problem with opioids that we have in our community. My father happens to be a medical professional who works in this field, not in the Jewish community per se, but he has been involved with frum people before. (If anyone here would like to get in touch with him I would be more than happy to give his contact info privately.) I just don't think that blaming the problem on pot is doing anyone any favors, especially since the number of people who smoke pot in our communities is going to grow as it becomes more accepted and legal in the general population anyway. Just my $.02, you're welcome to disagree but this is how I see it.
July 24, 2019, 09:41:16 AM
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Re: Equifax Data Breach Settlement - Free credit monitoring or $125 cash payment
Because it is me. If you called it an ethical question the response would be totally different.
We can test my theory.  ;)
If i would do that then you would argue with me

July 24, 2019, 11:47:00 PM
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Re: Master thread to help me with words/phrases.
נקמה
Revenge

July 26, 2019, 10:24:37 AM
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Re: Equifax Data Breach Settlement - Free credit monitoring or $125 cash payment We only blame the people who publicize this after we found out about it.  Same like every deal.
July 30, 2019, 01:18:16 PM
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Re: Car Repairs Master Thread Any thoughts about purchasing these pair of pads for $88 After 20% off.
 Vs buying the standard ceramic pads for $30-$50?

 Yes the $119 pads are galvanized which would make it last longer, being able to withstand the salt and bad weather without it becoming rusted, and supposedly better braking, less dust..
   But curios what people do here?
@CountValentine @ChaimMoskowitz

 https://nrsbrakes.com/product/galvanized-nrs-brake-pads-d974/

Vs the standard from Amazon or AutoZone.

July 31, 2019, 08:23:06 AM
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Re: Chase wipes out debt for Canadian Credit cards Woohoo! HT number 2 :)
August 08, 2019, 05:23:46 PM
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Re: DIY (Do It Yourself Repairs) - Successes and Blunders I can stock some, but you'll have to make it yourself - I'm too busy listening to Ben Shapiro.

Wait, which thread is this?

August 08, 2019, 11:23:29 PM
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Re: CHASE closed ALL accounts!!!!!!!
fi’s?

Financial institutions (I believe. Someone can correct me if I'm wrong.)

August 09, 2019, 11:13:04 AM
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Re: Rubashkin freed from prison.
I will agree the article can very well be used that way. I will leave it at that as CNN/anti-Semitism belongs in the other thread.  :)
Thankfully I don't open the other thread..

August 11, 2019, 04:04:06 PM
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Re: What to Eat After a Fast Please when u reply don’t click quote
August 11, 2019, 08:22:54 PM
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Re: What came in your mail today?
I still have  young kids, plus it came a few years too early.
He wants to know for himself

August 13, 2019, 12:47:09 PM
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Re: Random questions.
You should be so lucky. I can't post what I call you, not even on Friday.

Fredo?

August 14, 2019, 12:28:11 AM
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Re: Israel banning Tlaib and Omar! I think that from a PR standpoint, they should welcome them with open arms in their capacity as Congresswomen and say that from the rhetoric they espouse, they clearly don't have an accurate picture of Israel. They should give them grand tours and princely treatment. Then, after they return and keep talking against Israel, they will be fair game, and they won't have the excuse that they were't let in. Israel can say that were glad to show them the truth but they obstinately refused to see.

It would make more sense from the public perception standpoint.

August 15, 2019, 11:06:42 AM
1
Re: Israel banning Tlaib and Omar!
Must not be a Google phone.  :P
How true. Google phone would’ve auto corrected BB to Hitler & Israel to apartheid.

August 16, 2019, 08:53:19 AM
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Re: Israel banning Tlaib and Omar!

Hitler

Now it's Friday!

August 16, 2019, 10:52:43 AM
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Re: DDF DO: NYC Edition?
What's the point of being retired and having miles if you can't jump on a plane?

Well, when one needs to take the dog to the vet, that trumps everything else (pun intended).

August 19, 2019, 08:50:11 AM
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Re: Random questions.
Why does the On The Road board not get much traffic? (pun intended)

To me it seems like the other boards get responses to questions faster/more often.

Just an observation I made.

Case in point, can anyone help me out with my question here?

If you can, thanks!! And if you can't, thanks for trying because I do know that most of you will click above just to see the question, right? :)
Mission accomplished

August 20, 2019, 08:48:11 AM
1
Re: How to make a hotkey for data entry? https://www.pcworld.com/article/219056/hotkeys-macros-gestures-save-time-with-your-pc.html

https://medium.com/better-humans/how-to-setup-your-windows-global-hotkeys-in-10-minutes-becc40ff492

August 27, 2019, 12:29:22 PM
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Re: "Why Does No One Care About Violence Against Orthodox Jews?" (Interesting Article Split)
No it doesn't. They were all Orthodox?
How about Modern vs Ultra?

For the purposes of anti-Semitisim, just think of it as "visibly Jewish".

Ultra Orthodox is a slur, but that's a whole nother discussion

August 29, 2019, 02:36:04 PM
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Re: How to make a hotkey for data entry?
Autohotkey works and is easy to use.
I'm glad I was able to help.

August 30, 2019, 12:26:40 PM
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Re: Random Posts
I don't know if there's a dedicated thread for this, if not, maybe there should be and make it stickied. I'm a big believer in קנה מיד עמיתך, especially when it comes with great service.

Just wanted to compliment @chff for his great help today booking a last-minute ticket.
Make a shout-out thread.

August 30, 2019, 06:28:01 PM
1
Re: Random questions.
What is the brand of soft pack cooler @Dan recommends when traveling?
IIRC Polar Bear

September 01, 2019, 09:13:33 AM
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Re: Help Me Find It! - The Search Master Thread
Polar Bear Coolers
https://forums.dansdeals.com/index.php?topic=56622.0

https://forums.dansdeals.com/index.php?topic=67083.0

September 01, 2019, 10:15:25 AM
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Re: Random Posts
Can you find a post of mine within the last year debating it ? I can’t recall offhand
Paging @TimT

September 01, 2019, 07:06:49 PM
1
Re: How to make a hotkey for data entry?
Is there a way to make a hotkey on desktop for data entry. Say I use "1234" in different programs and forms. Can a hotkey be made for this where it will enter "1234" no matter which program or form I am using?
I hope the word is not 'Kool-Aid'...

September 04, 2019, 02:53:43 PM
1
Re: Random Posts
For what?

Is there a way to make a hotkey on desktop for data entry. Say I use "1234" in different programs and forms. Can a hotkey be made for this where it will enter "1234" no matter which program or form I am using?
I hope the word is not 'Kool-Aid'...
Never crossed my mind and THANK YOU!!!
Now I will need a cheat sheet just for the political thread.  :)
That's to short to justify a hotkey. More likely "need to get out more"
Now I will need a cheat sheet just for the political thread.  :)

September 05, 2019, 12:17:18 PM
1
Re: Amex $120 dining credit
What dining credit?
Gold Personal Card

September 05, 2019, 05:32:09 PM
1
Re: DeBlasio Tweets out fake false news, this time sticking up for the NYPD!
When you only state part of a statue and take it out of context should I believe otherwise.

You posted: “shall apply only when audible signals are sounded from any said vehicle while in motion by bell, horn, siren, ”

The statue states: Except for an authorized emergency vehicle operated as a police vehicle or bicycle, the exemptions herein granted to an authorized emergency vehicle shall apply only when audible signals are sounded from any said vehicle while in motion by bell, horn, siren...
Since you are the go to guy for reading this type of stuff you care to explain to them what that statue means? That won't believe me.  :)
You might what to read the statue again.
I never said this. You and others are saying it is illegal for him to go through a red light without sirens on. That is not correct according to the statue.



Sorry, but I just had to :D

September 09, 2019, 11:39:27 AM
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Re: Do you wash your chicken? Thanks for this thread...finally a learning experience in JS
September 11, 2019, 12:41:15 AM
1
Re: Do you talk during a couples massage?
As we can see on Fridays?
He’s posting from the massage due to
DW is like shut up no talking during a massage.

September 11, 2019, 02:56:39 PM
1
Re: When Do You Talk To Your Kids About 9/11?
Did you march Auschwitz to Birkenau?
Yes. Other direction iirc but yes.

September 11, 2019, 09:06:07 PM
1
Re: When Do You Talk To Your Kids About 9/11?
You need to get out more.  :)
Can someone remotely disable the hotkey software I pointed out to this guy!

September 12, 2019, 08:51:01 PM
1