Let's say for whatever reason, I can not take the income deduction for traditional IRA contributions. Also, I am not eligible for a Roth IRA. Perhaps my MAGI is too high.  In this case, if I contribute to a traditional IRA:   I'll have paid regular income tax on the money I put in (since I can not deduct it), and I'll pay tax on gains when I take distributions as regular income.   Compared to an ordinary taxable account, this seems like not a great deal, since it doesn't get the benefit of the lower tax rate on capital gains and qualified dividends that a taxable account would.  Is there some additional advantage to the traditional IRA when an income deduction can not be made that I'm overlooking?
Brokerage accounts are seen as relatively tax-inefficient, since you invest with post-tax dollars, and growth is taxed upon realizing gains. The traditional IRA allows you to deduct contributions and defer taxes until you take distributions in retirement ...  Unless you are covered by a retirement plan from work and make over   $71,000/year if single, or $118,000/year if married filing jointly.   The numbers above come from . Above those thresholds, you can still make contributions to a traditional IRA, but those contributions will be post-tax. Distributions are taxed as ordinary income, excluding post-tax principal.  Similarly, eligibility to make direct Roth IRA contributions phases out to zero according to a :   $131,000 if single, or $193,000 if married filing jointly.   Looks to me that someone who cannot make direct Roth IRA contributions also cannot deduct traditional IRA deposits from income.  Assume   investment period is 20 years, is some garden variety ETF (VTI/VXUS/etc), those investments return 5%, the current marginal tax rate is 28%, the expected marginal tax rate at retirement is 25%, the long term capital gains rate is 15%, the entity is not eligible to make Roth IRA contributions, and 401k contributions are already maxed out.   A $5000 of gross income contribution into a traditional IRA at retirement might grow to an after-tax sum of:  (5000) * (1 - 0.28) * (1 + (1.05 ** 20 - 1) * (1 - 0.25)) = $8064   Instead, since contributions were going to be taxed anyway, why not put it in a brokerage account? Then you could claim the favorable long-term capital gains rate.  (5000) * (1 - 0.28) * (1 + (1.05 ** 20 - 1) * (1 - 0.15)) = $8659   All I found was , and the accepted answer says to still make a traditional IRA contribution, but I still don't see why that would be a good idea. What am I missing here?
Can we get our personal voting data displayed on the Questions lists? There's been several times where I have been surfing the site, and noticed a question that I am not sure I've checked. Even if I've checked the question before, I can't recall off-hand whether or not I've voted on it or its answer.  Is there a way we can have our personal voting history reflected to some degree or another, in the Questions listing? For example, could there be an indicator as to whether or not we have already voted (up or down) on a question, and perhaps maybe an additional indicator as to whether we've up-voted any of its answers?  It would be very convenient to have some of this data available up-front, without actually having to view the question again. How to center text vertically within a textbox in Photoshop "need not to be neither atomic nor ordered" Is this double/triple negative grammatically sound?  Ordered operations require that space on disk is allocated sequentially, so spatial ordering corresponds to chronology of operations, but actual disk writes need not to be neither atomic nor ordered.   Explanation:   Words neither and nor emphasize on the fact that both conditions are (independently) allowed to remain unsatisfied, that both are optional. To be more formal, "need not be atomic and need not be ordered". But then again, it becomes a concoction of two negations joined by a conjunction. Allow HTML in excerpt Here is my excerpt code.  // Generate custom excerpt length function wpbx_excerpt_length($length) {     return 300; } add_filter('excerpt_length', 'wpbx_excerpt_length');   How do I allow html like &lt;a&gt; &lt;b&gt; &lt;i&gt; &lt;br&gt; Why is the multiplicative group of a finite field cyclic? Why is the multiplicative group $(K\smallsetminus\{0\},\cdot)$ of a finite field $(K,+,\cdot)$ always cyclic? Let $\int_{- \infty}^{\infty} f(x) dx =1$. Then show that $ \int_{- \infty}^{\infty} \frac{1}{1+ f(x)} dx = \infty.$ I would like to know if there is any way to add custom behaviour to the auto property get/set methods.  An obvious case I can think of is wanting every set property method to call on any PropertyChanged event handlers as part of a System.ComponentModel.INotifyPropertyChanged implementation.  This would allow a class to have numerous properties that can be observed, where each property is defined using auto property syntax.  Basically I'm wondering if there is anything similar to either a get/set template or post get/set hook with class scope.  (I know the same end functionality can easily be achieved in slightly more verbose ways - I just hate duplication of a pattern) Users below 15 reputation can't effectively vote. It says:     Votes cast by those with less than 15 reputation are recorded, but do not change the publicly displayed post score   Does it mean that they will take effect after I reach 15 reputation or because they were cast before, they're recorded but ignored? How can I prevent installation of a specific package on Linux Mint? Remove all but numbers from NSString I am looking at some code and it has this statement:    ~ConnectionManager() {     Dispose(false); }   The class implements the IDisposable interface, but I do not know if that is part of that the tilde(~) is used for. Proving the snake lemma without a diagram chase How to Detect workstation/System Screen Lock/unlock in windows OS using java? Extract current viewing parameters from a 3D view? Installing Teamspeak and creating TeamSpeak3 .desktop file I am very new to Ubuntu and I want to create desktop launcher.  I have this in my TeamSpeak3.desktop in   [Desktop Entry] Name=TeamSpeak 3 Comment=TeamSpeak 3 VoIP Communicator Exec=/opt/TeamSpeak3-Client-linux_amd64/ts3client_runscript.sh Terminal=false Type=Application Categories=Network;Application; Icon=/opt/TeamSpeak3-Client-linux_amd64/styles/default/logo-128x128.png   in my ~/.local/share/applications/TeamSpeak3.desktop But I dont see it in my launcher and when I double click on it files, it just opens the text file. I even made it executable with     chmod +x TeamSpeak3.desktop  drwx------ 15 hung hung     4096 srp 16 12:29 . drwxr-xr-x  3 root root     4096 pro  9 19:22 .. -rw-------  1 hung hung   174627 srp 16 12:29 CHANGELOG -rwx------  1 hung hung   227136 srp 16 12:29 error_report drwx------  2 hung hung     4096 srp 16 12:29 gfx drwx------  3 hung hung     4096 srp 16 12:29 html drwx------  2 hung hung     4096 srp 16 12:29 iconengines drwx------  2 hung hung     4096 srp 16 12:29 imageformats -rwx------  1 hung hung   334520 srp 16 12:29 libc++abi.so.1 -rwx------  1 hung hung  1934744 srp 16 12:29 libcrypto.so.1.0.0 -rwx------  1 hung hung   746960 srp 16 12:29 libc++.so.1 -rwx------  1 hung hung  5842312 srp 16 12:29 libQt5Core.so.5 -rwx------  1 hung hung   484832 srp 16 12:29 libQt5DBus.so.5 -rwx------  1 hung hung  5683224 srp 16 12:29 libQt5Gui.so.5 -rwx------  1 hung hung  1335584 srp 16 12:29 libQt5Network.so.5 -rwx------  1 hung hung   290008 srp 16 12:29 libQt5Positioning.so.5 -rwx------  1 hung hung  3829280 srp 16 12:29 libQt5Qml.so.5 -rwx------  1 hung hung  3831288 srp 16 12:29 libQt5Quick.so.5 -rwx------  1 hung hung   234552 srp 16 12:29 libQt5Sql.so.5 -rwx------  1 hung hung   331232 srp 16 12:29 libQt5Svg.so.5 -rwx------  1 hung hung   117104 srp 16 12:29 libQt5WebChannel.so.5 -rwx------  1 hung hung 67570152 srp 16 12:29 libQt5WebEngineCore.so.5 -rwx------  1 hung hung   208344 srp 16 12:29 libQt5WebEngineWidgets.so.5 -rwx------  1 hung hung  6439120 srp 16 12:29 libQt5Widgets.so.5 -rwx------  1 hung hung  1334528 srp 16 12:29 libQt5XcbQpa.so.5 -rwx------  1 hung hung   180248 srp 16 12:29 libquazip.so -rwx------  1 hung hung    22936 srp 16 12:29 libsnappy.so.1 -rwx------  1 hung hung   111888 srp 16 12:29 libsrtp.so.0 -rwx------  1 hung hung   383072 srp 16 12:29 libssl.so.1.0.0 -rwx------  1 hung hung    51080 srp 16 12:29 libudev.so.0 -rw-------  1 hung hung     4340 srp 16 12:29 openglblacklist.json -rwx------  1 hung hung   260232 srp 16 12:29 package_inst drwx------  2 hung hung     4096 srp 16 12:29 platforms -rw-------  1 hung hung       26 srp 16 12:29 qt.conf drwx------  2 hung hung     4096 srp 16 12:29 qtwebengine_locales -rwx------  1 hung hung    19720 srp 16 12:29 QtWebEngineProcess drwx------  2 hung hung     4096 srp 16 12:29 resources drwx------  6 hung hung     4096 srp 16 12:29 sound drwx------  2 hung hung     4096 srp 16 12:29 soundbackends drwx------  2 hung hung     4096 srp 16 12:29 sqldrivers drwx------  3 hung hung     4096 srp 16 12:29 styles drwx------  2 hung hung     4096 srp 16 12:29 translations -rwx------  1 hung hung 18987008 srp 16 12:29 ts3client_linux_amd64 -rwx------  1 hung hung     1364 srp 16 12:29 ts3client_runscript.sh -rwx------  1 hung hung  2206064 srp 16 12:29 update drwx------  2 hung hung     4096 srp 16 12:29 xcbglintegrations What does protection from [quality] do? Example 1) Let's say I have some random creature with protection from white, and my opponent plays , a white card with the effect "Destroy all creatures." Can my creature with protection from white be destroyed by a white card that isn't actually targeting it specifically?  Example 2) I was playing a match with a friend where I had  on the field against his 3 zombies. Is he able to declare his zombies as blockers even though Elite Inquisitor has "protection" from zombies?  If he can declare them as blockers, does protection mean that no damage is dealt by the zombies to  Elite Inquisitor? Why not use a WAMP stack? This is a  about  the use of a *AMPP's stack.    I recently had a talk with some experienced people and they suggested to me not to use a WAMP stack, and instead install apache, mysql and php separately.  I don't understand why they have suggested this, though, so can anyone tell me?  Is there a particular disadvantage of WAMP, or a particular advantage to installing all of them separately?  Since a WAMP stack itself is composed of apache, mysql and php, then what's the difference between using the WAMP stack and installing them all separately? How do I mount an `img` created with /bin/dd of a hard drive? Changing timezone in PHP Alright, quick question.  A server is running in Eastern Time. PHP program needs to make date calculations using Central time.  At the moment, I am putting this line at the very top of my script:  putenv("TZ=US/Central");   Is that the best way to go about that or is there some PHP trick I'm not aware of?  Cheers. I need to execute a directory copy upon a user action, but the directories are quite large, so I would like to be able to perform such an action without the user being aware of the time it takes for the copy to complete.  Any suggestions would be much appreciated.