random bits

[cellio]

My mother-in-law's seder has some singing, but mostly in Yiddish. This year (finally) I seem to have earned enough points with the family; I asked if we could add some Hebrew songs, offering to do the work (compiling and copying), and she said (via Dani) to bring a few. Yay. I'm going to make one double-sided sheet (including sheet music for some), on the theory that there's no sense wasting paper and this way there's a choice. Tiny steps... (At this seder I enjoy spending time with the people and I dislike the haggadah. At my father-in-law's seder, the haggadah is fine but the people aren't interested in doing most of it.)

At work we're about to get some expansion space, and they just published the new seating chart. People were given the option to stay put or take their chances. One of our neighborhoods (oh, did I mention that we have designated neighborhoods? that turns out to be fun, actually) is unpopular due to the way the space is set up. Every person there save one moved out. No one moved in. So the seating chart shows Beth amidst a sea of numbered spaces. There was some talk today of renaming the neighborhood; an early proposal was something like "Beth's Fiefdom" but I suspect that the latest will stick: "Bethlehem". If it weren't so close to Pesach I'd bring her a loaf of bread. :-) ("Bethlehem" is an anglicization of "Beit Lechem", which is literally "house of bread".)

San Francisco is about to ban plastic bags from grocery stores, saying that this will cut down on 1400 tons annually sent to landfills. I wonder how they came up with that figure. Do they catalog the landfills? Are they simply assuming that all bags produced go to landfills and wouldn't otherwise? Have they considered that some of those bags are recycled and, when not available freely, will just be replaced by other plastic bags in landfills? For example, I use them when scooping out the litter box, dog owners use them for a similar purpose on walks, and I know people who use them in bathroom trash cans instead of buying small bags for that purpose. I am not (in this entry) arguing against the policy; I'm merely questioning their data analysis. How do they know how much, if any, reduction there will be in landfills?

This article on Roth IRAs (link from patrissimo) seems to suggest that a simple money-laundering exercise lets one bypass the restrictions on using Roth IRAs. How odd. If that's true, it would be a way for people in higher income brackets to hedge their bets, which seems counter to the intent of the Roth. (Traditional IRAs are tax-free on the way in and subject to income tax on the way out, which makes sense if you think you'll be in a lower tax bracket when you retire. If you don't trust that tax rates won't go up, though, a Roth IRA is insurance -- you pay the income tax on the way in and nothing when it comes out.)

Comments

[murphstein.livejournal.com]

Not just for rich folks!

Once I got a "real" career, I always saved half of every paycheck, which includes dumping the max into my 401k. I've never made the big bucks, but a few years ago, my financial advisor (ie, Dad) told me to move everything from my most recent 401k and roll-over IRAs into Roth accounts. The tax up-front was obnoxious but not prohibitive.

However, the only financial advice I'm qualified to give is "Trust Vanguard."