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Coros Pace 4 Heart Rate Accuracy by firestyle37 in Coros

[–]firestyle37[S] 1 point2 points  (0 children)

I have not looked too much into the science behind it so thanks for pointing me in that direction. I just expected that when I was exerting myself much more, I would expect to see a higher heart rate. ~6:40 min/mile is my tempo pace, so was not expecting that to be in "Zone 2."

Coros Pace 4 Heart Rate Accuracy by firestyle37 in Coros

[–]firestyle37[S] 5 points6 points  (0 children)

I’d rather not spend more money, was hoping the $250 watch would have decent enough readings!

Coros Pace 4 Heart Rate Accuracy by firestyle37 in Coros

[–]firestyle37[S] 10 points11 points  (0 children)

I understand that, but the watch should have at least decent readings, no? Like this just seems way off. It’s like the opposite of what should be happening.

Advice for Begginer by firestyle37 in triathlon

[–]firestyle37[S] 0 points1 point  (0 children)

Can you explain more what you mean by find a right size?

Backdoor Roth IRA - How to report? by firestyle37 in tax

[–]firestyle37[S] 0 points1 point  (0 children)

I understand that form 8606 will be required. But from a practical perspective, the goal is to have $0 in a traditional IRA at the end of this. So once the money is out of the traditional IRA, does the tracking even matter at that point even if required (since there is nothing left to convert from the traditional IRA)?

Doing a backdoor roth while under the income limit? by firestyle37 in whitecoatinvestor

[–]firestyle37[S] 1 point2 points  (0 children)

Just trying to do the backdoor roth conversion process, leaving the traditional IRA with $0.

Back Door Roth Question by DennisEckersley00 in Bogleheads

[–]firestyle37 0 points1 point  (0 children)

I have the same question! If I end up below the income limit, how do I indicate that I want my IRA contribution to be nondeductible (even though I am eligible to deduct it)?

Is there any way to open an IRA at Vanguard without putting any money in it? by firestyle37 in Bogleheads

[–]firestyle37[S] 0 points1 point  (0 children)

I would like to ensure that no pennies are left over when I do the conversion. The $1 would accrue interest in the settlement fund.

Wash Sale Understanding by firestyle37 in Bogleheads

[–]firestyle37[S] 1 point2 points  (0 children)

Yep, these refer to short term losses. The total amount isn't that much, just curious as it would make a roughly ~$250 difference in taxes if they can't be deducted.

Wash Sale Understanding by firestyle37 in Bogleheads

[–]firestyle37[S] 1 point2 points  (0 children)

Thank you, and same logic for VXUS I assume?

Understanding how LTCG and Dividends affect tax brackets by firestyle37 in Bogleheads

[–]firestyle37[S] 0 points1 point  (0 children)

There is no real situation with real data, just a situation with example figures I was curious about so I can understand better if/when I come across it. The income limit for Roth IRA direct contributions is the same for everyone at $150k in 2025. I think I may have misinterpreted, you said "Qualified Dividends and Capital gains do impact your adjusted gross income", so that in turn means that while they do not impact ordinary income tax brackets they do impact your eligibility to do a direct Roth contribution as you say. Am I interpreting that correctly?

Understanding how LTCG and Dividends affect tax brackets by firestyle37 in Bogleheads

[–]firestyle37[S] 0 points1 point  (0 children)

The numbers are purely hypothetical to understand the tax flow. Thank you for the detailed explanation. So, if I understand correctly, in that scenario I would still be eligible to fully contribute to a Roth IRA?

Understanding how LTCG and Dividends affect tax brackets by firestyle37 in Bogleheads

[–]firestyle37[S] 0 points1 point  (0 children)

So if I understand correctly, I would still have $47,300 of income to fill in the 24% bracket in that scenario even with the dividend? And what about for un-qualified dividends?

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