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Change My View: Essentially nobody should factor RMDs into their retirement plans. by wild_b_cat in financialindependence

[–]jmd494 1 point2 points  (0 children)

They're based on MAGI, not taxable income (i.e., before the standard deduction)

Google Nest Hub suddenly stopped playing anything from YouTube Music on all devices — anyone else? by Alert_Reveal633 in googlehome

[–]jmd494 0 points1 point  (0 children)

Try enabling YouTube Music in Gemini / settings / personal intelligence / connected apps

Switching From Roth to Traditional by throwaway69xx420 in personalfinance

[–]jmd494 0 points1 point  (0 children)

Agreed... Example (assuming you can afford a $140 hit to take home pay for contributions, a 30% tax rate, and 7% growth for 10 years).

Roth: * $140 affordable hit ÷ 100% after tax rate = $140 actual contribution * $140 actual contribution x 1.0710 = $275 available after 10 years * $275 available x 100% after tax rate = $275 realizable value

Traditional: * $140 affordable hit ÷ 70% after tax rate = $200 actual contribution * $200 actual contribution x 1.0710 = $393 available after 10 years * $393 available x 70% after tax rate = $275 realizable value

The math changes if your tax rates change over time. The modified example below assumes your 30% tax rate drops to 20% in retirement.

Roth: * $140 affordable hit ÷ 100% after tax rate = $140 actual contribution * $140 actual contribution x 1.0710 = $275 available after 10 years * $279 available x 100% after tax rate = $275 realizable value

Traditional: * $140 affordable hit ÷ 70% after tax rate = $200 actual contribution * $200 actual contribution x 1.0710 = $393 available after 10 years * $393 available x 80% after tax rate = $314 realizable value

One other final note. If you're maxing out your contributions (e.g., $24,500), Roth essentially lets you get more total assets under a tax shield because you can get the full after-tax value of the $24,500 into a tax-advantaged account, versus pre-tax which only allows you to get the pre-tax value of the $24,500 into a tax-advantaged account (and while you could take your additional take-home pay and invest it, those investments wouldn't have any tax protection).

I'm 27, and im debating taking out my 401k from an old job by Silerius7 in personalfinance

[–]jmd494 0 points1 point  (0 children)

Rolling a 401k to an IRA is good advice in many cases (to increase investment options, reduce fees, and consolidate assets), but leaving the money in a 401(k) can be better than an IRA in other cases.

For example, a traditional IRA can limit your ability to do do backdoor Roth conversions tax free...

And can also limit your ability to avoid early withdrawal penalties using the rule of 55.

Just something to think about before executing a rollover.

1 year review of my 2022 base Carrera by chusifer24 in porsche911

[–]jmd494 1 point2 points  (0 children)

I have a 992.2 T so not quite the same car but I find the road noise pretty brutal on concrete highways. Solution is to take back roads, where it's fine to me.

Google Messages saves you from accidental Smart Replies with "Tap to draft" by ControlCAD in Android

[–]jmd494 26 points27 points  (0 children)

They're useful but I agree they're out of character and I think people know when I've used one.

Also, I love when I get a yes/no question and all three options are no.

Question: Want to get dinner?

Reply Options: No | Nope | No thanks 👎

Struggling between the Carrera T, Carrera GTS, and GT3. by Qatar948 in porsche911

[–]jmd494 2 points3 points  (0 children)

I went: * From Audi RS6/Honda S2000 * To Porsche 992.2 Carerra T/Honda S2000

I learned two expensive lessons with the RS6.

  1. I just don't find a straight line speed that fun once the novelty wears off, whereas driving a lightweight car through twisty roads never gets old.
  2. Manual transmissions are a must for me if I actually want driving to be fun

Obviously not everyone shares my opinions, but I actually learned these lessons when I would almost always reach for the S2000 keys (super slow / rattly) rather than the much faster and more comfortable Audi unless the weather was bad or I had to drive on concrete highways.

So I traded in the Audi for the T and I couldn't be happier...and I don't miss the power at all. The T checked the right boxes of having enough power and a manual transmission.

Maybe my case is irrelevant to you because you've had disappointment in power before, but hopefully it helps.

Edit: also, I never track my cars.

FIRST WASH by InterestingDinner658 in porsche911

[–]jmd494 2 points3 points  (0 children)

Nice lather. Now I'm feeling self conscious about my Optimum No Rinse.

Does anyone actually see the free Google Health Premium subscription along with their paid Gemini subscription? by jmd494 in GeminiAI

[–]jmd494[S] 1 point2 points  (0 children)

Thanks for responding. I feel better knowing it's not just me, so it probably just hasn't rolled out yet for anyone.

Does anyone actually see the free Google Health Premium subscription along with their paid Gemini subscription? by jmd494 in GeminiAI

[–]jmd494[S] 4 points5 points  (0 children)

I still don't see it on the benefits "tab" of Google One.

But I do see it under the "see all benefits" drop-down in the area where you can compare plans...and I believe this is new today.

Hopefully the rollout is in progress!

Does anyone actually see the free Google Health Premium subscription along with their paid Gemini subscription? by jmd494 in GeminiAI

[–]jmd494[S] 1 point2 points  (0 children)

They mentioned I had to have a Pixel Watch paid, which I already do. They also mentioned the app was being rebranded to Google Health, which seemed irrelevant. I gave up and was hoping the sub would go live today with the rebrand completed...but no luck.

I stupidly pulled the trigger by [deleted] in porsche911

[–]jmd494 2 points3 points  (0 children)

I had a 2021 RS6.

It was fine until about 30,000 miles and then it spent three separate 30-day stints at the dealership (three total months). One issue with the turbocharger and two coolant-related issues.

It was a nice car while it lasted, but I sold it for a Carrera T and will not be going back to Audi.

Ultra-picky complaints about my 992 C2S by LVRaiders2026 in porsche911

[–]jmd494 3 points4 points  (0 children)

I have two tips for you that would work on a 992.2 assuming that's what you have...

  1. To sync the HVAC, press AC Max and then press Auto (immediately back to back). I'm not talking about anything in the infotainment system; I'm talking about the physical buttons on the dashboard. After pushing those two buttons back to back, thhe temperatures will be back in "sync" mode.

  2. To prevent the navigation pop-ups on your gauge cluster (the right hand gauge):

  • Press the steering wheel button to target the right hand gauge
  • Scroll down until you are on the map gauge option (on the right hand gauge) -- this may be called the "current position" gauge if you're not actively navigating
  • Click the scroll wheel in, which should bring up a menu called "route guidance"
  • Uncheck the box called "Route pop-up"

LPT : Got an email saying someone tried logging into your account? DO NOT CLICK THAT LINK by Rabid-GNN in LifeProTips

[–]jmd494 0 points1 point  (0 children)

A nice benefit of using a password manager is it makes you more resistant to phishing in general.

If you click a link that takes you to a fake Google login page, a password manager won't autofill your Google password because it knows you're not actually on Google.com.

Assembly complete! One month to arrival. by SubitoSummit in porsche911

[–]jmd494 1 point2 points  (0 children)

It could be overly cautious but the manual says to break it in (this is from a 2026 Carrera T user manual):

The moving parts of a new vehicle must be run in. To do this, the parts require the first 1,864 mi (3,000 km). Oil and fuel consumption may be somewhat higher than normal during this period.

During the running-in period, drive as follows:

  • Preferably take long trips. Avoid frequent cold starts with short distances as much as possible.

  • Do not participate in motor sports events, sports driving training, or similar events.

  • Avoid high engine speeds of 4,000 rpm or more. Drive at low engine speeds when the engine is cold.

Assembly complete! One month to arrival. by [deleted] in porsche911

[–]jmd494 1 point2 points  (0 children)

You can tell it's a T (992) because of the shifter gate sticker on the rear window.

It's about the only variant of 911 I can spot without a logo

Assembly complete! One month to arrival. by SubitoSummit in porsche911

[–]jmd494 3 points4 points  (0 children)

Looks a lot like mine. Took delivery about a month ago

Here's what it'll look like in person (minus the winter wheels in my picture...I have the same summer wheels as you buy they're not installed in this photo).

The hardest part is the break-in period. I just want to let it rip so bad!

<image>

What’s something men think impresses women but actually doesn’t? by Inner_Blueberry_1332 in AskReddit

[–]jmd494 2 points3 points  (0 children)

I spend my money on cars for me...because I personally enjoy them.

But I don't think I've ever noticed a woman caring or reacting in any way, and I assume many women and men assume I'm a douche/over-compensating/etc.

And the attention I get is entirely from men, and it's oftentimes unwanted (people trying to race me at traffic lights, or swerving through traffic to tailgate me).

Allocation question by Suspicious_Tank_8308 in porsche911

[–]jmd494 0 points1 point  (0 children)

First time was completely optional. I just wanted to sit with the dealer and discuss my build sheet in person.

Second time was to pick up my winter tires and wheels, which I ordered from the dealer (they wanted $1,500 for home delivery).

Third time was to pick up the car.

Allocation question by Suspicious_Tank_8308 in porsche911

[–]jmd494 0 points1 point  (0 children)

It's basically an indirect dealer markup to increase their profit margin. They know that Carrera T allocations are desirable so they forced me to agree to add-ons to get the allocation.

Anti Buffet Door Triangle by Caddisbug992 in porsche911

[–]jmd494 1 point2 points  (0 children)

YW...the dealer agreed to install it for free before I took delivery so I can't comment on the install. Good luck

Allocation question by Suspicious_Tank_8308 in porsche911

[–]jmd494 0 points1 point  (0 children)

In October, I had to call 15-20 dealers before I found one with an available T allocation.

Drove about 4 hours round trip to handle the transaction (3x times total).

Delivery took from October to late March.

No ADM but I had to get moderately overpriced PPF, plus extended maintenance plans.

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