2024-10-30

Software Bugs

Software Bugs

For about six months and through several updates, Android Kindle does not correctly display the bottom status line on my phone. It is displayed so that only the top 1/4 of the line is visible. This line gives the page number - important information. Amazon does not care.

Time to see how the other ebook readers are doing. Google - there is no page number line and it won't display the current time. Google seems to think that app screen area is all important. Not for me. I want the phone status line with the time and the navigation bar (the buttons) - ALWAYS.

Nook (Barnes and Noble's ebook reader) - WOW. I can see the Android status line and navigation bar (optional), and the Nook status line. And I can set the paper color - not just choose from a few bad choices. With the navigation bar always displayed, exiting to the home screen is just a button push away. Startup, even if nothing is changed is delayed by about four seconds, with a big refresh symbol in the middle of the screen. You can read the rest of the screen but you can't do anything else. Annoying. Not nearly as annoying as Kindle's issues. I have switched.

Ally Bank, email and text alerts for deposits and withdrawals don't work. It's been almost a month since I opened a support ticket. They won't give me any status on a fix - just "we are working on it". It worked a month ago - compare the two code levels and fix it. I gave up. Now trying US Bank. Things seem to be good but switching twelve automatic deposits and withdrawals is not fun. Most banks with branches offer very low interest rates on savings accounts. US Bank is 4%, same as Ally. And there is a branch near me so that I can get $50 bills instead of the $20 bill that ATMs hand out.

For about six months and through several updates, Google Maps will not adjust the volume after the trip is started. I suspect that you can adjust it while Maps is telling you something, but by the time I've found the volume button on my phone, the message has finished. I just found this workaround. Press the "you" icon (your little photo or initial), then "Settings", then "Navigation settings", then "Play test sound". While the test sound is playing, use the volume buttons to set the default volume. It works! I still can't adjust while driving, but I can get a reasonable volume each time without having to remember to adjust before starting the route. How about naming this option "Set default volume" so people know what it does?

Next day - Maps reset its default volume. I can't hear it. I can't adjust it while driving.

What is wrong with our corporate cultures that this is acceptable? Why do the users accept it? They have been convinced that software bugs are inevitable. But how have they been convinced that the bugs don't need to be fixed.

2024-08-27

Perplexity.AI

Perplexity.AI

Perplexity.AI is an AI based internet search engine. I hesitate to refer to this as artificial intelligence, so I will stick with AI.

Perplexity reads your input, question or request, does a search for the answer, interprets the the web pages that it finds, and gives you an answer along with links to the information sources, and often gives additional information and explanations. Free and without advertising, but I wouldn't expect that to last long.

It sometimes misinterprets my question and sometimes misinterprets the information sources. And there is no guarantee that the information sources are factual.

I used Perplexity to help with modifying my Android apps after Google required that they be updated to use level 34 of the software development kit. This involved working with Java, Javascript, XML screen layouts, and Android Studio software. I hadn't used these tools in about a year and I had forgotten many details. Java and Javascript are similar enough but different enough to cause major confusion. Android XML screen layouts are major sources of confusion. And Android Studio has a nightmare of menu choices and many parts that needed updating separately without clear pathways. Perplexity handled these problems very nicely, giving instructions and code samples.

In addition, I wanted to improve some aspects of my code. For example, I knew that regular expression searches would speed some code, but writing the correct regular expression is not always easy. And it's better to be correct than fast. Perplexity helped quite a bit, but it often required multiple efforts to make it understand what I needed. (SQL queries present a similar situation but I have not tried Perplexity there.)

Even better, finding the right way to integrate Android native touch screen control on top of a Webview HTML/Javascript screen was made easy. The first two suggestions failed, but the third worked well. The result was dramatically improved touch response.

And when I asked how I could speed up my code, several suggestions helped, including turning on hardware acceleration and Java compression.

Another important aspect of Perplexity is that it looks at a variety of web pages to obtain an answer. This saves me a lot of time searching through garbage web pages to find an answer. If I can't verify an answer, I will likely need to do my own filtering of the pages. And it gives me pages to look at. But if I can easily verify an answer, try it out and see if it works, WONDERFUL. Or YES - that's the word or person that I couldn't remember.

And another - sometimes you have to explain to Perplexity why it is wrong. If you have a good argument, it will apologize and give a new answer. For example, once it misinterpreted a web page that gave the weight of a violin bridge, assuming that it was the weight of the fingerboard. After I explained this, it corrected itself. But I asked if that new information was added to its knowledge base, the answer was no. Things learned when talking to me are not distributed outside of our conversation. Perhaps this is necessary to prevent people from spreading false information.

I just now had Perplexity write an htaccess script to redirect my web page urls so that a subdirectory would automatically redirect to the equivalent subdomain - www.ravitz.us/dance/*.* redirects to www.dance.ravitz.us/*.* . Looks like a correct script. Inmotion hosting doesn't recognize it. I don't think this is Perplexity's fault.

Overall - I like it. I don't know how much I would pay for it, but while it's free, I expect I will keep using it. Especially for verifiable answers, it is great.

2024-07-06

Bread Maker

Bread Maker

Bread makers have been on the market for 35 years. But I haven't been concerned about the nutritional value of the bread that I consume until recently. So I'm way late - read on if you are in the same boat.

Having found no bread for sale that satisfies my new diet (minimal white bread, pasta, and rice), I decided to get a bread making machine. I chose a Hamilton Beach 2 pound model, largely because the cleanable parts are dishwasher safe. A bread slicer and knife are very useful. For choosing a bread slicer - the loaves are about 5 inches wide on my machine. That looks pretty standard from what I have seen. Watch out - the long serrated knife is dangerous when being cleaned.

First try - I printed a recipe for a two pound loaf, then decided to modify it on the fly to one pound. By the time I had (correctly) measured out half the flour and water, I forgot what I was doing and used the printed numbers for salt, yeast, olive oil. Sigh. It turned out okay, considering my missteps.

Second try - this time 1.5 pounds, a carefully reworked recipe, followed correctly. Except after starting the machine, I realized that the kneading paddle was still in the dishwasher. Fortunately it had been trying to knead for just a few seconds. I paused the machine, used a spatula to move the flour mix to the side, leaving mostly water over the kneading shaft. The paddle slid on easily. The carefully layered bread mix was a mess. But the bread turned out pretty good.

Third try - just minor adjustments now

    install kneading paddle
    1 1/4 cups warm water + 3 TABLEspoons for the chia seeds = 1 7/16 cup
    2 TABLEspoons olive oil (22 cal/slice)
    3 cups whole wheat flour (153 cal/slice)
    1 teaspoon vital wheat gluten (not sure that this is needed)
    3 TABLEspoons chia seeds (27 cal/slice)
    1 1/4 teaspoon salt
    1 1/4 teaspoon bread machine yeast

Having read about how nutritious chia seeds are, I've been looking for a good way to get them into my diet. This works well.

I cook the bread, let it cool, slice it, put it in a zipper freezer bag, and freeze it. It keeps for a long time and thaws quickly.

Whole wheat flour plus chia seeds. No added sugar. Just a little oil and salt. Tastes pretty good, especially as toast. The above 1.5 pound recipe yields 11 slices, 212 calories each. That's about twice as much as typical packaged bread. This bread is pretty dense, probably best to use just one slice and make an open faced sandwich.

The machine is easy to use and easy to clean. The kitchen is easy to clean - a little spilled flour from ingredient preparation and bread crumbs from slicing.

SUCCESS!

One of my favorite, hopefully healthy meals -

    toast a piece of the above bread
    add a slice of cheddar or Swiss cheese while the toast is hot
    fry a couple of eggs (I break the yoke and cook it solid) and put on top
    eat it with an avocado

Some kettle cooked potato chips taste good too. NOT healthy.

And fresh iced tea, no sweetener. No lemon for me.

Recipes

I have been using perplexity.ai (that's the web address) to find recipes (and my note about bread maker history). This is an AI search engine that finds and reports answers and gives links to where it found the information. (I am not suggesting that it is intelligent, but the industry and news media seem to think that it is.) It is only correct if the links are correct. And it will sometimes misinterpret the information on the links. But still it is useful.

"show me bread a machine recipe for 100% whole wheat bread, 1.5 pound loaf". This returns

    1 1/4 cups warm milk
    3 tablespoons unsalted butter, softened
    3 cups whole wheat flour
    1/4 cup light brown sugar, packed
    1 1/4 teaspoons salt
    1 1/4 teaspoons bread machine yeast

and some additional instructions.

"show me a bread machine recipe for 100% whole wheat bread, no sweeteners, with chia seeds, 1.5 pound loaf". This returns

    1 1/4 cups warm water
    2 tablespoons vegetable oil
    3 cups whole wheat flour
    2 tablespoons chia seeds
    1 1/2 teaspoons salt
    2 1/4 teaspoons active dry yeast

"show me a bread machine recipe for mostly whole wheat bread, no sweeteners, with chia seeds, 1.5 pound loaf". This returns

    1 1/4 cups water (110°F/45°C)
    2 tablespoons olive oil
    2 1/4 cups whole wheat flour
    3/4 cup bread flour
    2 tablespoons chia seeds
    1 1/2 teaspoons salt
    2 1/4 teaspoons active dry yeast

Probably a nice texture improvement, but I'm happy with 100% whole wheat.

2024-05-04

Investing - Miscellaneous

Investing - Miscellaneous

All Investing Posts

Also see  

HSA

Do you have a high deductible health insurance policy and have not started Medicare? If so, do you have a Health Savings Account (HSA)? If not - GET ONE. It will let you pay for medical expenses (not insurance premiums) with untaxed money. It's like an IRA that you can use to pay for medical care, including eye care and dentistry. You can get one at fidelity.com (I haven't looked elsewhere). There are limits to yearly contributions.

The Widow(er) Tax Rate and its Impact on IRA to Roth Conversions

I added this to Investing - IRA to Roth Conversion. I am repeating it here because it wasn't in the original post and I don't want anyone to miss it.

If you are married, you are using the married tax table for ordinary income on IRA withdrawals. But what happens if a spouse dies? The living spouse is suddenly single and using that tax table - way higher tax bracket for a given income. Of course the living spouse may not need to withdraw as much from the IRA, but don't forget required distributions and expenses (mortgage, rent, taxes). This is a good reason to push IRA to Roth conversion.

Keeping Up With Inflation Via Bonds and CDs

I often say that you can't keep up with inflation with bonds or CDs - and get challenged that interest rates rise with inflation as the Fed adjusts its overnight interest rate. Interest rates do reflect the inflation rate, but it doesn't compound unless you reinvest it in more bonds/CDs. Inflation compounds and if you use the interest as income, the principal does not increase.

As a safe way to invest money that grows with inflation, bonds/CDs might work well. You must reinvest the interest for this to work.

But as an income source where the income grows with inflation - no chance. For that, look at dividend stocks, and be prepared for some risk.

(Does anyone have a good mnemonic to remember whether assets are principal or principle? I have to look it up every time I need the word.)

Gross Income, AGI, MAGI

You will likely come across these terms occasionally, so I investigated the definition. Complex, so this is a simplification. To get an accurate number, you need to fill out the tax forms.

Gross Income - all of the taxable income that you receive in a year, including wages, dividends, alimony, capital gains, interest income, royalties, rental income, IRA, 401k, 403b withdrawals, etc.

IRA, 401K, 403b withdrawals are included in gross income.

Gains within an IRA, 401K, 403B are not taxable. These are taxed upon withdrawal.

Roth gains and qualified withdrawals (59.5 years old, 5 year old account, etc.) are not taxed.

AGI - Adjusted Gross Income -

The sum of all of your taxable income, i.e. your gross income, minus IRA, 401k, 403b contributions, deductible HSA contributions, half of self employment taxes, student loan interest, and a few more.

Roth contributions are not deducted from AGI. Qualified Roth withdrawals (59.5 years old, 5 year old account, etc.) are not taxable so not included in AGI. IRA, 401K, 403b withdrawals are included in AGI.


MAGI - Modified Adjusted Gross Income - 

This is your AGI but adding back in tuition-related costs or deductions, losses from rental properties, half of the self-employment tax, student loan interest, and a few more.

Incidentally, if you are not familiar with self employment, you pay double Social Security and Medicare tax. That's your part and your employer's part. The employer's part is our government attempting to hide half of these taxes by making the employer pay it. But nowhere to hide with self employment.

Fee Based Advisers


I've said this before, but I heard an ad for a fee based adviser on the radio - "We only get a raise when your portfolio goes up." Well that sounds good, and it's true. BUT if your portfolio doesn't go up, they still get their 1%. You lose the fee, a percentage of your portfolio, not a percentage of the increase, every year.

So are fee based advisors worth 1% of your assets every year? Strictly as a stock picker, I would say probably not - not many mutual fund advisors are worth 1% when compared to index funds. But there is a lot more to getting through retirement than picking stocks, such as use of tax advantaged accounts, getting income from your assets, minimizing taxes and fees. If you don't spend the money on an advisor, you will need to learn a lot and prepare a strategy. A 1% fee on one million dollars in assets is $10,000 every year, so learning and doing it all yourself could save a lot of money.

2024-01-26

Melanie Safka

Melanie Safka

Melanie (Melanie Safka) died a few days ago. I have listened to her since about 1970. She wrote some great songs and she was wonderful covering others' songs. I thought I would gather a few of them that I still listen to. No particular order to these, just the order that I thought of them or found them.


Some of Melanie's songs -

Peace Will Come
on Ed Sullivan - https://www.youtube.com/watch?v=IDyni9AIp9E

Close to it All at Woodstock - https://www.youtube.com/watch?v=EL_frV5gXyg

Lay Down
on Woodsongs - https://www.youtube.com/watch?v=fzg_8gKp-rU

I went to Woodsongs Old-Time Radio Hour (a Lexington KY show, recorded live) to hear Melanie. Not being a member, I sat way in the back. When the two person chorus for Lay Down came on stage, it took a minute to recognize my friend Diane Timmons, a wonderful singer who, long ago, would sing Schubert songs for me, and once for my father's memorial service.

Lefover Wine - https://www.youtube.com/watch?v=y7rIVhyFhts

In the Hour - https://www.youtube.com/watch?v=ffAJ1viZUws

I had forgotten this beautiful song. I found it while searching YouTube. When I switched from vinyl to CD I lost a lot of music. I restored a lot of it as old music slowly reappeared on CD, then oldies collection CDs, then MP3s from Amazon, then YouTube.

Photograph - https://www.youtube.com/watch?v=x55sAAxZO2U


And some wonderful covers -

Long Long Time - https://www.youtube.com/watch?v=b7hrjATqSpA

Hard to beat Linda Ronstadt's version (or any other Linda Ronstadt cover), but this one is just as good.

Carolina in My Mind - https://www.youtube.com/watch?v=tz0hB9rrmQA

Chords of Fame - https://www.youtube.com/watch?v=lBXtTDCWUk8

My Father - https://www.youtube.com/watch?v=faUp8OJ-ZVk

Arrow - https://www.youtube.com/watch?v=E7fBuYayVzw

As Tears Go By - https://www.youtube.com/watch?v=kBF0hASQQBg

2024-01-16

Investing - IRA to Roth Conversion

Investing - IRA to Roth Conversion

This post is based on a few conceptual rules of IRAs and Roth IRAs. But don't forget the details that I have not mentioned - converting, eligibility, age, time limits, etc. And don't forget - THE RULES MAY CHANGE.

Also see  

Occasionally you may see an article questioning the use of Roth IRA, Roth 401K, etc. and suggesting that 90% of us should not be using the Roth versions of retirement accounts. I do not recommend or disparage using Roth accounts to build your retirement savings. I have suggested converting your IRA to a Roth IRA (in pieces, not all at once) when conditions make it advantageous.

Certainly Roth accounts are not the better place for some people. I have no idea what the percentage is. Roth is not generally used while working, in my experience, because people like the tax break of a pretax account. And for older people, Roth accounts were not available at work for most of their working life.

But the point of this post is to examine the value of converting IRA funds to Roth funds in preparation for or in retirement. I assume that you have converted your 401k to an IRA and that you have a Roth IRA started. I know nothing specific about converting 401K or 403B to Roth versions - this post applies to IRA to Roth IRA conversions.

For the rest of the post, IRA means traditional or rollover IRA, Roth means Roth IRA.

The Advantages and Disadvantages of Conversion

The choice of IRA vs converted Roth starts with how much tax you pay when withdrawing money. At first look, when withdrawing small amounts, and assuming that tax rates stay the same over time, and assuming that you pay the tax on the conversion from the IRA, it's a wash - no difference. You can pay the tax now and shrink your investment by the tax rate (Roth). Or you can wait until you need the money and pay the same tax rate on the, hopefully bigger, investment (IRA).

But the choice is not that straight forward.

RMDs

At 72 or 73 you must start taking required minimum distributions (RMDs) from the IRA. Not that you will be paying more tax than if you have converted the money, but you may not need the money. It is too late to convert to Roth, so now it leaves the tax advantaged realm.

Growth in an IRA vs Roth

A good stock investment will grow faster than inflation. Maybe you will pick an explosive growth stock and make a fortune. If this is in the Roth, you may use any amount of the money tax free. In an IRA, use too much in a year and you bump the tax bracket. Or the tax rates may go up. And the RMDs will go up because they are a percentage of the total in the IRA. This is why I have suggested to convert risky high growth investments to a Roth before the safe stuff (bonds, CDs).

The Widow(er) Tax (2024-05-04)

If you are married, you are using the married tax table for ordinary income on IRA withdrawals. But what happens if a spouse dies? The living spouse is suddenly single and using that tax table - way higher tax bracket for a given income. This is a good reason to push IRA to Roth conversion.

A Back Door

And a back door - if you have money in an ordinary (not tax advantaged) account and pay capital gains tax or qualified dividends tax to use the money, but can't put it in a Roth because you have no earned income, try this. Convert money from IRA to Roth but pay the taxes from the ordinary account. Now instead of having to pay income tax on the money that you convert and the money that you take out to pay the tax, you take the income tax money from the ordinary account plus enough to pay the capital gains rate on it. You end up keeping the full value of your tax advantaged accounts but some of it made tax free. And you pay for this with money from the ordinary account. So you have moved money from the ordinary account to the Roth through a back door. But how much did it cost to do that and where did the money come from and go to? An example is the only way that I can illuminate.

Let's move 10K from IRA to Roth. Let's say your tax rate is 22%, so you need to pay 2.2k in income tax. If you pay from your IRA, take out total 12.82K, now you owe 22% on 12.82k = 2.82k. Conversion complete, IRA down 12.82K, Roth up 10K, taxes paid.

Let's try it the other way. Convert 10k so 2.2k income tax. Your tax rate on the ordinary money is 15% (cap gains) so you need 2.59k and you pay .39k tax. Conversion complete, IRA down 10k, Roth up 10k, ordinary account down 2.59k, taxes paid. You have moved 2.59k of ordinary money into 2.82k IRA money. That's a 9% increase, but the IRA money costs you 7% more to withdraw. So just a 2% difference, but that 2.82k is eligible to move to your Roth.

Tax Rate on IRA Money

If IRA withdrawals are in addition to other taxable income (pension, taxable Social Security) they will be taxed at your marginal rate, not your average tax rate.

Tax Efficient Conversions

If you encounter a significant stock market dip, and you are confident that it will come back, then converting in the dip lets you convert with less tax. I am not suggesting timing the market for short term dips or looking for absolute bottom. But in a significant, long term downturn such as the tech crash, housing loan crash, or COVID crash, it is easy to choose a point to save some taxes.

Between the ages of 62 and 70, you might decide to live off of savings and avoid taking Social Security benefits. You can use this low income period to transfer IRA assets to Roth assets at a low tax rate. If you have assets in an ordinary account, you can set it up so that you collect only capital gains and qualified dividends. Then pay the income tax on the conversion from this ordinary account (the back door described above).

At age 72 or 73, you must start taking required minimum distributions (a percentage of the total assets) from your IRA. You can reduce these by moving the assets to a Roth before the RMDs start.

Medicare

But remember that income from a conversion may bump your Medicare premium, so look at the whole picture before deciding. See Investing - Fun Retirement Tables.

Charities

If you like to contribute to charities, before or after you die, IRAs are very efficient - give them pretax money. They won't owe tax on it.

If you leave money to charities after you die, it's a waste to have already paid taxes on it.

Heirs

Remember - THE RULES MAY CHANGE.

IRA, the heir pays income tax rate (because you didn't pay it).

Roth, the heir pays no tax (because you already paid it).

Ordinary account, the cost basis resets to the value at death - so the money is tax free at that point. Your heir gets a free, potentially huge, capital gain (that you did not pay). So ordinary accounts have some advantages over IRAs and Roths, but that is not the subject of this post.

Psychology

Not owing taxes, I expect, is somewhat like not having debt - one less headache to deal with. You will still have to file a return and pay taxes, but a lot less after converting to Roth.

2024-01-11

Two Steps Forward, Two Steps Back

Two Steps Forward, Two Steps Back

Caulipower Pizza Crust (that's a brand name, not a misspelling)

I have had very good cauliflower crust pizza at three restaurants. But I don't know how much cauliflower they contained or what other ingredients were included. I tried Green Giant frozen cauliflower crust that was not good.

I tried another frozen crust recently - Caulipower. The first three ingredients are cauliflower, brown rice flour, and rice flour. So maximum 33% white (rice) flour. It's easy to work with - I bake (425) for 5 minutes, then add sauce, cheese, toppings, and bake for ten minutes. The prebake is my change to the instructions because thick toppings can insulate the crust.

This is my new crust for homemade pizza. It tastes good and should be healthier than the white bread refrigerated dough that I had been using. I am not under the illusion that this counts as a vegetable serving, but it does reduce my intake of white flour.

I make mushroom pizza - prebake the mushrooms or the water content will make the crust mushy. And salmon/artichoke heart pizza - no sauce, bake with just cheese, saute the salmon, add it with the artichoke hearts and bake for a couple more minutes. I need to try adding some pesto. I don't know if these instructions are optimal, but they work well.

Buckwheat Husk Neck Pillow

At the suggestion from a massage therapist, I purchased a buckwheat husk six inch tube pillow - Waterglider brand but there are many choices on Amazon. I added a form fitting pillow case.

The casing (not the pillow case) feels thick and not stretchy. The zipper that lets you remove stuffing seals well - I haven't had any buckwheat husk leaks.

The pillow conforms to your head/neck and then provides firm support. I find this much superior to elastic or viscoelastic pillows that change thickness as you move - these never let my neck muscles completely relax.

I have also used plastic bead pillows. These are great for a time, but as the casing stretches, the firm support disappears. The thick cloth and tube shaped casing of the Waterglider pillow and the additional friction between the buckwheat husks should solve this issue.

This pillow is wonderful.

Apple TV Streaming

I signed up for Apple TV + to watch Lessons in Chemistry. Not bad, not as good as the book. All worked well on my Roku stick.

Then I made it through half of the first episode of Foundation - BORING. I read all of the Foundation and related books, many years ago. I don't remember them being boring.

Ted Lasso was very good.

On to For All Mankind. Pretty good. Kind of sci-fi on the moon and soap opera on the earth. I am almost done with the fourth season.

On oddity - early in the show they explain that communication with people on the moon will have a two second delay. But when earth to moon conversations become part of the show, I don't hear any delay, or explanation of the discrepancy.

About halfway through the end of the second season, the resume function quit working. If I stop the show and return to it the next day, it starts at the beginning of the episode that I had been watching. VERY annoying. And if I pause and wait too long to start watching again - about 15 minutes I think, it goes back the the start of the episode. EXTREMELY annoying.

I tried backing out in different ways - back out from watching, back out from pause, pause then start watching then back out. Resume did not work. I checked the web. Many people have this problem, dating back at least a year. The "solutions" are things like reboot the Roku, sign out of the app and sign in again, turn on "use play history". I also cleared my play history. After doing all of this, the problem was fixed. Until midway through season four. I'm not doing all of that again.

This is not a slightly annoying bug. It is a major problem. And Apple apparently doesn't care to fix it.

Fortunately I am in the initial three month free trial period. And one episode to go. Then I'm done with Apple TV.

Softsoap Soothing Aloe Vera

I have been using this liquid soap for over twenty years. It has now become Softsoap Soothing Clean Aloe Vera Fresh Scent. It stinks - literally. Many reviews also says it dries your skin. I won't be using it long enough to find out.

2024-01-28 - After testing four hand soaps that appeared to meet my requirements, the winner is Molly's Suds Foaming Hand Soap unscented (from Amazon). I like the foaming - makes it easier and quicker to use. I'm not sure yet how the dispenser will handle being in a shower - some pumps let water into the bottle. Beside a sink, very nice.