Search found 4480 matches

by Epsilon Delta
Fri Jun 19, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8259

Re: Password manager recommendations?

I have read many threads here and many links provided in those threads and it is clear that you never use words found in a dictionary for passwords regardless if you use 2, 3, 4...x words combined because hackers use tables of words in dictionaries, foreign words in dictionaries, phrases and saying...
by Epsilon Delta
Thu Jun 18, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8259

Re: Password manager recommendations?

The only semi-legitimate use of security questions is to recover if you've lost a password for a low value login. Storing the answers in a password manager seems pointless -- if you can access the pm you'd have the password and should not need the security questions. Businesses that use security que...
by Epsilon Delta
Thu Jun 18, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate how much I owe on loans in Excel
Replies: 7
Views: 884

Re: How to calculate how much I owe on loans in Excel

In someways you want the inverse of XIRR() which turns out to be XNPV() - extended net present value. XNPV() takes a series of (cash flow, date) pairs and an interest rate and returns the present value. XIRR() takes a series of (cash flow, date) pairs and returns an interest rate. You have to append...
by Epsilon Delta
Thu Jun 18, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 6632

Re: I'm Giving Up Golf

Some years ago I remember Dick Button saying he'd given up on skating because he could only get worse, but had taken up golf where he could still look forward to setting personal bests.

Maybe it's time to buy a pair of skates?
by Epsilon Delta
Thu Jun 18, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 72
Views: 8018

Re: The cost of walking el Camino de Santiago

Curiously, by far the largest Asian group I have encountered on the Camino was S. Koreans. That should not be a surprise. S. Korea is largish, rich and one third christian. The only Asian countries with a larger christian population are China, the Philippines , India and Indonisia. the last three h...
by Epsilon Delta
Thu Jun 18, 2015 9:30 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 296
Views: 147264

EU investing

I suggest the following reference, mentioned in this post by hafius500, be added to the https://www.bogleheads.org/wiki/EU_investing https://www.spdrseurope.com/library-content/public/Tax_Reference_Guide.pdf Personally I'm of the opinion the "Accumulating/capitalizing vs. distributing ETF share...
by Epsilon Delta
Wed Jun 17, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a spousal inherited IRA started - trouble with the bank
Replies: 41
Views: 3850

Re: Getting a spousal inherited IRA started - trouble with the bank

Banks are notoriously difficult and sometimes incompetent when it comes to deceased IRA owners. As an executor, one bank refused to tell me who the beneficiary was. The estate and all possible beneficiaries were required to submit beneficiary claim forms and they only responded to the beneficiary. ...
by Epsilon Delta
Tue Jun 16, 2015 10:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3041

Re: Vanguard announces plans for money market fund lineup

My reading is that prime and the other money funds are being designated "retail" so that no changes are necessary. The treasury and government money funds are going to be made to conform to the rules for "institutional" money market funds. As I understand it the new rules, parti...
by Epsilon Delta
Tue Jun 16, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4688

Re: is it better to work for small company rather than big firm?

It also depends at what you're good at. If you're a specialist you need to work for somebody who needs that skill. A small company is often build around one specialist. If your not that founder you need to be a generalist. In a large company there is more opportunity to get good at one or a few thin...
by Epsilon Delta
Tue Jun 16, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

I don't need to choose the title of a song as my password, it can be a line (or two). If we have 100m songs, and each song has an average of 10 unique lines, we have 1B lines. I can combine lines of different songs, I can add symbols at the end and beginning of songs, I can increase the number of s...
by Epsilon Delta
Tue Jun 16, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

The keyfile does not change. It can be backed up once, and offline. Print it out or put it on a CD and store it in a safe deposit box, or your grandmother's basement (or deposit box) or both. If you lose the working copy you're offline until you can get to the backup but can then pickup where you l...
by Epsilon Delta
Tue Jun 16, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

True. But your phone running Google Authenticator can also be stolen. Yes, but not through the same channels as my password would likely be stolen. It is easy to imagine malware on your computer intercepting your password and keyfile at the same time. But my phone cannot be stolen with malware. You...
by Epsilon Delta
Tue Jun 16, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

Note that the keyfile is not part of a general log in process, but is protecting a password vault. The key file can be much stronger than any password you can remember. It can have have millions of bits of entropy. (If you find a source of millions of bits) This avoids any chance of it being brute ...
by Epsilon Delta
Tue Jun 16, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

Isn't a key file just another long, static password? If so, it's inadequate as a second authentication factor. But I've never used one, so perhaps I'm misunderstanding what it is. It depends on what is your definition of 2FA. If you define it as something you have and something you know, it fits th...
by Epsilon Delta
Tue Jun 16, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12643

Re: LastPass.com Breach

Do not use phrases from songs as your password. Why not? A phrase from a song seems like an ideal passphrase. It's long. You can easily remember it. It does not have to be your favorite song so that you won't accidentally mention it in Facebook. You can customize it, e.g., by inserting special char...
by Epsilon Delta
Mon Jun 15, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for the laundry, furnace room
Replies: 22
Views: 2379

Re: Dehumidifier for the laundry, furnace room

Today in NY we have over 80% humidity. My furnace room has a whole about 14" x 8" through the cinder block for the purpose of venting to the outside. My guess is that is is a good thing. Any dehumidifier would obviously be dehumidifying the air that comes through that vent as well as the ...
by Epsilon Delta
Mon Jun 15, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for the laundry, furnace room
Replies: 22
Views: 2379

Re: Dehumidifier for the laundry, furnace room

The pipes of the well tank and the hot water tank have very considerable condensation. The condensation is the source of my problem. You can prevent the condensation by insulating the cold water pipes. You want the insulation to be waterproof and airtight so that it keeps the warm, humid air in the...
by Epsilon Delta
Mon Jun 15, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 72
Views: 8018

Re: The cost of walking el Camino de Santiago

The main reason for a smartphone is that I was making friends on the Camino but could not keep in touch with them. A navigation device might have prevented me from getting lost or enabled a faster recovery, but only if I had a cellular SIM and was not relying just on WiFi. And even a navigation dev...
by Epsilon Delta
Mon Jun 15, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for the laundry, furnace room
Replies: 22
Views: 2379

Re: Dehumidifier for the laundry, furnace room

You might want to consider a heat pump water heater. You probably don't want to replace a functioning water heater, but if you do the research when it comes time to replace you're ready to make the change if appropriate. We are talking serious humidity coming from the well storage tank and pipes and...
by Epsilon Delta
Mon Jun 15, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA's RMDs causing increasing tax concerns
Replies: 62
Views: 7267

Re: tIRA's RMDs causing increasing tax concerns

I believe that typically occurs within the 15% bracket for a joint return so there may still be hope. The net tax difference for the conversion to the top of the 15% bracket would be the important number. If your planning using joint return numbers you should also look at what will happen when one ...
by Epsilon Delta
Mon Jun 15, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5204

Re: Best European Cities for families, the outdoors and cycling

If your considering that far north you may want to look at parts of the UK. Something like Newcastle-upon-Tyne or York probably meets the criteria* as well as many of those mainland cities. The UK would be outside the Schengen Area, so different rules apply and it may or may not be easier to get a ...
by Epsilon Delta
Mon Jun 15, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5204

Re: Best European Cities for families, the outdoors and cycling

Weirdly, I was told, when you rent a house in Munich and Bavaria, at least, *you* install the kitchen? This is true throughout most of Germany although you can search on housing websites for built-in kitchens. The house we rented in Bonn for three years had a built-in kitchen and closets in the MB....
by Epsilon Delta
Mon Jun 15, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5204

Re: Best European Cities for families, the outdoors and cycling

Amsterdam, Copenhagen, and Munich come to mind most immediately. Throw in Grenoble. Antwerp (a kind of manageable Amsterdam). Many German cities would meet the criteria to an extent (Frankfurt, Berlin, Hamburg etc.). So too would Oslo and probably Stockholm (not sure I would recommend them for weat...
by Epsilon Delta
Mon Jun 15, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Max travel time for work
Replies: 14
Views: 2065

Re: Max travel time for work

It's not always the travel per se. Unless you already spend most of your working time outside your office the duties are likely different. This often makes more difference (either good or bad) than travelling itself.
by Epsilon Delta
Sat Jun 13, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4034

Re: How to securely dispose old computer?

Physical destruction is overrated compared to simply erasing the disk. Assuming a half way competent erase program -- one that actually writes to the platter* -- an attempt to recover the overwritten information will require removing the platters and scanning it with a magnetic force microscope. Thi...
by Epsilon Delta
Fri Jun 12, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7909

Re: Chromebooks- What is the lure?

What - you're still using a desktop computer today? I've been in a thin client environment for years. These days it's called Linux View, MFU, VNC. Basically you just run a client to connect to a remote computer from anywhere. I do have a laptop, yes, but it's only for Office and for the thin client...
by Epsilon Delta
Fri Jun 12, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Unsure of the process of paying off mortgage early (all at once)
Replies: 30
Views: 3455

Re: Unsure of the process of paying off mortgage early (all at once)

Look at the remaining balance on your last statement and pay that amount. Next month, you will get a request for the remaining interest. Done. Often times when you request a payoff amount they will charge you for it. This seems an obviously good way to handle this. Is it never mentioned because eve...
by Epsilon Delta
Fri Jun 12, 2015 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Prep for Backdoor Roth
Replies: 3
Views: 678

Re: Prep for Backdoor Roth

You are correct that your existing Roth account does not affect making Backdoor Roth contribution this year. Your wife has (at least) three options to clean up the traditional IRA at this point: ⋅ Convert the 2014 contribution in 2015. You will pay tax on the full amount of the conversion ...
by Epsilon Delta
Thu Jun 11, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13839

Re: Aren't we overdoing electronic auto safety features?

The good stuff won't need the user to figure out how to use it. It will just work. It's the not quite good enough interim designs that need user input.
by Epsilon Delta
Wed Jun 10, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Improving Pool Efficiency
Replies: 13
Views: 1238

Re: Improving Pool Efficiency

We use a solar cover in the late spring and early fall. Most of the time in between our problem is too much heat. When the pool gets up to 88 or more it isn't much use. 75 degree nights don't suck enough heat out at night. The type of cover matters. Some covers are designed to absorb sunlight and m...
by Epsilon Delta
Wed Jun 03, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions?
Replies: 19
Views: 2032

Re: Roth Conversions?

One issue that has not been mentioned is that in a lengthy market decline, with a Traditional IRA the government shares your pain but does not with Roth (assuming the re-characterization deadline has expired). So if you convert, paid the tax, and the market drops and stays down for an extended peri...
by Epsilon Delta
Tue Jun 02, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3546

Re: Insurance company "outdoor steps need a railing"

If or, hopefully, when you add a rail or alter the steps you should check with your local building code. There are small differences, and it would be a shame to do what the insurance company asks only to have a building inspector make you rework it.
by Epsilon Delta
Tue Jun 02, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wife got new job, W4 witholding question
Replies: 7
Views: 728

Re: Wife got new job, W4 witholding question

Where both of you employed for the full year in 2014, and where you satisfied with the withholding?* If the answer to both is yes, then file the W4 the same way you did at her first employer. The new job means that your wife will earn about $4000 more. This will increase your taxes by $1000 to $1,20...
by Epsilon Delta
Tue Jun 02, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2741

Re: Canadian money

I have a few Canadian currency a relative gave me, as we're going there next week. I realize from this thread that they are older bills. Are they still legal tender? I'm guessing there no collector value, we should still just spend them, correct? I have: $20 Issue of 2004 $2 Ottawa-1974 $1 Ottawa-1...
by Epsilon Delta
Tue Jun 02, 2015 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k paradox
Replies: 11
Views: 1425

Re: Roth 401k paradox

The OP has it right. Cash flow trumps all other considerations. Do as much as you can. Now you can appreciate how the other half (or more accurately the other 9/10) live most of their career. The ROTH 401K is underutilized for this reason. Partial funding a Roth and fully funding traditional can ha...
by Epsilon Delta
Tue Jun 02, 2015 11:20 am
Forum: Investing - Theory, News & General
Topic: Are US Gov Bonds "Better" than other Developed Countries' Bonds?
Replies: 26
Views: 2994

Re: Are US Gov Bonds "Better" than other Developed Countries' Bonds?

One thing that has not been discussed is if the retirement location is going to be chosen independent of exchange rates. Purchasing power parity is not directly related to exchange rates. In my experience the changes in PPP are smaller than changes in exchange rates. This makes some sense since we t...
by Epsilon Delta
Tue Jun 02, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Research on the lottery effect in stock prices
Replies: 12
Views: 1505

Re: Research on the lottery effect in stock prices

@nisiprius - I think you are missing the point by focusing solely on skew preference without any of the surrounding context. I also don't think you seem to be interpreting what "positive skew" really means. First, "lottery-like" means high skew and kurtosis . High skew is enough...
by Epsilon Delta
Tue Jun 02, 2015 10:03 am
Forum: Investing - Theory, News & General
Topic: Research on the lottery effect in stock prices
Replies: 12
Views: 1505

Re: Research on the lottery effect in stock prices

Characterizing these investments by skew is incomplete. The distribution of returns for an investment in most securities (or lottery tickets) has no left tail. You can't lose more than you invest. Avoiding big losses is usually considered a property of negative skew, but it is also a property of all...
by Epsilon Delta
Mon Jun 01, 2015 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k paradox
Replies: 11
Views: 1425

Re: Roth 401k paradox

Has anyone had a similar problem and how did you solve it? This also brings up a paradox with the roth 401k. Those who "should" use are probably the least able to fully utilize it. Fully utilizing is only important if you have enough money. You don't, at least this year. In your case part...
by Epsilon Delta
Mon Jun 01, 2015 9:19 pm
Forum: Investing - Theory, News & General
Topic: What determines I bonds annual purchase limit, if anything
Replies: 14
Views: 1148

Re: What determines I bonds annual purchase limit, if anything

I guess I should have framed the question more of what metric is used to set the limit, it seems to be all over the map. Under 31 U.S. Code § 3105 it's pretty much at the discretion of the Secretary of the Treasury, with the approval of the President. That's only one layer of the onion. There are m...
by Epsilon Delta
Mon Jun 01, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2741

Re: Canadian money

InvestorNewb wrote:Our (Canadian) money is colored too. When I travel to the United States I always have to double check that I'm not handing over a higher denominated bill.


Image
by Epsilon Delta
Sat May 30, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Sending in laptop for repairs, what about sensitive software?
Replies: 8
Views: 1035

Re: Sending in laptop for repairs, what about sensitive software?

The maintenance person will have ample opportunity to install a root kit, password sniffer, you name it. If you don't trust them you should never again trust the PC once they've touched it.
by Epsilon Delta
Fri May 29, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panels
Replies: 21
Views: 2292

Re: Solar Panels

3) I live in the Northeast. My roof had snow on it for the majority of the winter - anything I pay (or time spent) clearing off panels in winter will completely wipe out the savings in the investment. Also - with the amount of snow we had this winter - I wonder if 2+ feet on the panels would have b...
by Epsilon Delta
Thu May 28, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: On the fence on Roth rollover
Replies: 4
Views: 530

Re: On the fence on Roth rollover

Recently I was advising my brother with a decision on whether to cash out his tIRA to pay down some punishing debt or not and it dawned on me that, to the extent you're not holding interest generating assets in a tIRA and don't expect significantly lower income in retirement (I'd guess pretty much ...
by Epsilon Delta
Wed May 27, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 6436

Re: Should I shorten my last name?

I changed my surname in 1971. It wasn't hard, and I've never had a problem, to include getting a passport and applying for SS benefits. I'll just add, remember to keep the original of your court order safe with your other important documents, like birth certificate and SSN. I haven't had to pull mi...
by Epsilon Delta
Wed May 27, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 5 year rule
Replies: 15
Views: 1389

Re: Roth Qualified distribution

retiredjg wrote: it implies (whether you meant to or not) that a non-qualified withdrawal will trigger tax or penalty.

"A implies B" does not imply "not A implies not B". If anybody thinks it does they need to go back to syllogism school. :annoyed
by Epsilon Delta
Wed May 27, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 5 year rule
Replies: 15
Views: 1389

Roth Qualified distribution

Here is a great write-up of the rules: https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ Thank you Livesoft, this article seems to say that once you're over age 59.5, you're in the clear. 100% of your balance of your Roth is available for wit...
by Epsilon Delta
Tue May 26, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1709

Re: Roth IRA Tax question

I think you will get a 5498 form from each IRA custodian every year, about May. You can't send it in with your taxes because you don't have it when most people do their taxes. The form helps you and the IRS keep up with how much you have in IRA and Roth IRA. But it is not a tax form. You won't alwa...
by Epsilon Delta
Mon May 25, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Teaching maths to a 4 year old
Replies: 31
Views: 2694

Re: Teaching maths to a 4 year old

Abaci have been accused of causing the stagnation of Chinese mathematics and delaying western development by a couple of centuries. Do you really want children to associate with such a device?
by Epsilon Delta
Mon May 25, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Most effective wifi upgrade for range/speed?
Replies: 27
Views: 2581

Re: Most effective wifi upgrade for range/speed?

But now, inexplicably, my work laptop which sits on my desk, loses 99% of its signal the moment it sits on my desk. I literally move it to my lap, and the internet speed test go from 0.1MBps to 10Mbps. The worst part - every other laptop and phone in the house gets 25MBps sitting in the same exact ...

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