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Re: Done with Honda, not sure what next car should be?

Did you read the NY Times article I linked in my OP? I'd love to hear your reaction to the article, as my primary concern regarding Honda is that they may have known about these airbag issues as early as 2004 (at least according to the reporting). I'm not too bothered (yet) by what's going on now i...
by Epsilon Delta
Sun Oct 26, 2014 2:05 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 36
Views: 2481

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't believe your analogy makes sense. You don't chan...
by Epsilon Delta
Sat Oct 25, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 80
Views: 3575

Re: Done with Honda, not sure what next car should be?

A couple of points about the airbag recalls. First, be careful when comparing different company's responses. Honda has about 6 times as many affected vehicles as Toyota. Relative to market share it looks like BMW has by far the largest percentage of vehicles affected. IMHO this is mostly a matter of...
by Epsilon Delta
Sat Oct 25, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 36
Views: 2481

Re: Reduce income to fall below 401k HCE threshold?

The current HCE employees will probably also benefit if you remain a non-HCE. Your contribution probably increases the average contribution of the non-HCE group and hence increase the limit for the HCE. So your managers (who are probably HCE) may be more willing (and less punitive) to structure your...
by Epsilon Delta
Fri Oct 24, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce income to fall below 401k HCE threshold?
Replies: 9
Views: 778

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I have known engineers in my lifetime but I neglected to ask them how they invested their money. So I have to go by what other posters have said here. I suppose people with very strong math backgrounds would tend to believe that successful investing is all about math, that everything can be explain...
by Epsilon Delta
Fri Oct 24, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 117
Views: 7150

Re: Electronic lock experiences

I am considering the following lock for our home: http://www.amazon.com/Schlage-FE595VCAM619ACC-Camelot-Keypad-Lock/dp/B000NJJ1TY/ref=sr_1_5?ie=UTF8&qid=1414151637&sr=8-5&keywords=electronic+lock Or something similar. We sometimes share the keys with vendors (painters, carpenter, plumbe...
by Epsilon Delta
Fri Oct 24, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 12
Views: 1011

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I find it amusing that many people here are using the EMH as grounds for saying that stock picking is definitely a money losing strategy. If you can find someone who can consistently lose lots of money at trading, just start a hedge fund, hire him, and do the opposite of whatever he tells you to do...
by Epsilon Delta
Thu Oct 23, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 117
Views: 7150

Re: Electric Garage Door

I have a rather old garage door--steel, one piece--whose springs are getting up in years. When they go my garage door guy wants to replace everything, springs, door and all. I'm not really seeing the need....why not just the springs ? Did you ask the garage door guy why he thought it needed replaci...
by Epsilon Delta
Wed Oct 22, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Electric Garage Door
Replies: 10
Views: 885

Re: LASTPASS Password Program

My concern is that it's like [lastpass] is always "on" As soon as I go to that bank website and click the * I select the username and it does the rest. BUT anyone on the computer can do that. That's great for my wife, if she had interest, but not for a growing 5 year old, or the occasiona...
by Epsilon Delta
Fri Oct 17, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 35
Views: 3105

Re: Poll: which portion of the chart shows higher volatility

Your point about noise in the SD is very well taken. What it means is that there is noise in the Sharpe ratio, too--which accords with common sense and with casual observation of Morningstar's published Sharpe ratios. For a given sample from a random variable, the error in the SD estimate must be m...
by Epsilon Delta
Fri Oct 17, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: which portion of the chart shows higher volatility?
Replies: 26
Views: 1450

Re: Replacing primary sump pump - how difficult

It's not a very hard job. There are factors that make it easier or harder you can consider before you DIY. Having room to work helps, as does not having to worry about spilling a few cups or gallons of water. There is usually some water remaining in pipes or pumps when you remove them, and it takes ...
by Epsilon Delta
Fri Oct 17, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1039

Re: Poll: which portion of the chart shows higher volatility

nisi, A 1% reduction in volatility would be like a 1% increase in the Sharpe ratio. That comparable to a 1% increase in returns with flat volatility. Whereas us Bogleheads get the vapors about a 0.1% reduction in the ER which is comparable to a 0.1% increase in returns. You may be using 1% in two d...
by Epsilon Delta
Thu Oct 16, 2014 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: which portion of the chart shows higher volatility?
Replies: 26
Views: 1450

Re: Does "substantially identical" apply to combined securit

Next, for grins I used PortfolioVisualizer to compare growth charts (not price charts) for 100% Developed International vs. 60/40 Europe/Pacific, which is the TLH swap I actually did as mentioned above: http://s26.postimg.org/uy3yx02bd/DM_vs_Europe_and_Pacific.png Hmm, looks like this passes the te...
by Epsilon Delta
Thu Oct 16, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does "substantially identical" apply to combined securities?
Replies: 31
Views: 1438

Re: Does "substantially identical" apply to combined securit

On the other hand following this to its logical conclusion TSM could be a partial wash sale with any stock. Is the purchase of a mutual fund share equivalent to purchasing partial shares of all the companies in the fund? That is the question. Does the wash sale rule look through the mutual fund wra...
by Epsilon Delta
Thu Oct 16, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does "substantially identical" apply to combined securities?
Replies: 31
Views: 1438

Re: What happened to the audiophile?[High quality music sour

Bubbagump wrote:What in the world is this thread about? Vinyl is as popular as it has ever been in 30 years


If you want to go with 25 years you may have a case.

2014- 30 = 1984. In 1984 vinyl was overtaken by

.
.
.

cassettes.

In 1984 CDs (and CD players) were those new fangled things nobody could afford.
by Epsilon Delta
Thu Oct 16, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3709

Re: Beginner Brit living in Hong Kong

Given the HKD/USD peg I'm inclined to invest in US instruments as the choice of HKD investments is rather narrow. ... I don't know how long I'll be in HK; expecting 2-3 years more. After leaving HK my income may drop substantially. ... IMHO, I would choose my asset allocation based on where I plan ...
by Epsilon Delta
Thu Oct 16, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Brit living in Hong Kong
Replies: 2
Views: 361

Re: Does "substantially identical" apply to combined securit

I did basically this a few years ago (during 2008 as I recall). I sold Developed Markets and bought Europe and Pacific separately. To make myself feel more secure, I bought them in a different ratio than the holdings of Developed Markets. I don't recall exactly what the weighting in DM was, but I b...
by Epsilon Delta
Tue Oct 14, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does "substantially identical" apply to combined securities?
Replies: 31
Views: 1438

Re: IRA to Roth conversion after retirement ?

Thanks for all the tips and tricks on this technique. Another question, there is a 5 year rule for inherited Roth IRAs (https://www.fidelity.com/viewpoints/retirement/surviving-spouse-IRA). So when I convert from IRA to Roth I have paid taxes on this money. But if I die before the Roth has been ope...
by Epsilon Delta
Sat Sep 13, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion after retirement ?
Replies: 14
Views: 1405

Re: Where to recycle old (larger) toy batteries

Lowes took a battery from an alarm system, which were sealed lead acid about 2"x 5" x 8".
This battery is also used in some toys.
by Epsilon Delta
Sat Sep 13, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Where to recycle old (larger) toy batteries
Replies: 5
Views: 275

Re: Buffett: Modern investment theory is horse-pucky

The gap between my game and Tiger's has decreased dramatically. Unfortunately, not because of any improvement on my part. L. Unless your on this list that's questionable. Tiger's rank has dropped from 1 to 14. Is your's 1561? 100,000? 10,000,000? A change in the difference from 1560 to 1447, 999,99...
by Epsilon Delta
Sat Sep 13, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10385

Re: Which generator do you have?

Aggressive load management is assumed. I'm also assuming that using less than total capacity is acceptable. Was not aware that load sinking of solar panels was required. Why? During an outage, the solar panels are not producing power so not sinked then. Am not aware that a solar system must produce...
by Epsilon Delta
Fri Sep 12, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8881

Re: Calculated Spending: Cars

opus360 wrote:For Warren Buffett, he does not spend .00000...1% of his assets to buy a car.

Too many zeros. A Cadillac DTS is about $40,000 Warren Buffett's net worth is about $64 billion. That's a whopping 0.00006%. Cars are expensive, even for the insanely wealthy.

Did that need a smilie?
by Epsilon Delta
Fri Sep 12, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2928

Re: How can a Latvian invest in index funds?

You probably will be best served by talking to your fellow Latvians, or reading Latvian books, newspapers, magazines or websites. Much of this depends on Latvian law, treaties and commercial relationships and who would know them better? Even if the people who you talk to don't invest in a boglehead ...
by Epsilon Delta
Fri Sep 12, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can a Latvian invest in index funds?
Replies: 8
Views: 789

Re: Let me get this straight about SCV & factor diversificat

I still haven't seen a reasonable, numerical analysis/explanation of how a fund can have a positive, statistically significant regression coefficient in a multifactor model without "capturing" whatever premium that factor delivered. For example, I could see how the effect of another facto...
by Epsilon Delta
Fri Sep 12, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Let me get this straight about SCV & factor diversification
Replies: 153
Views: 9282

Re: FIOS

In my experience both Verizon FiOS and Time Warner cable are fast enough and reliable enough. I will go back to cable if they happen to have a better deal when renewal comes up. One problem about Verizon is their billing. I have a signed contract giving a price and FiOS keeps overcharging. I call an...
by Epsilon Delta
Thu Sep 11, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3465

Re: Buffett: Modern investment theory is horse-pucky

Sorry I wasn't clear. MPT does not tell you what the optimum portfolio would have been. The optimum portfolio in the past is the best performing asset. If MPT comes up with a different portfolio it's not optimum. In the past all probabilities are 1 or 0 and there is no risk. This seems to confuse t...
by Epsilon Delta
Thu Sep 11, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10385

Re: Why COULDN'T we just retire on Social Security?

So let's say a combined $2500 in today's dollars. That is $30,000 a year( if both of you are still surviving, which is a big “IF”) For comparison two people working full time at the federal minimum wage($7.25) would earn $30,160 a year. If you have a paid off house by then and Medicare for health i...
by Epsilon Delta
Thu Sep 11, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6059

Re: Which generator do you have?

I've thought of a way to trick a grid-tied-only solar system into producing power. After a manual disconnect (certified install) from the grid, use a small 1K (or smaller, don't know how low you can go) quiet, fuel-sipping generator to feed the system and make it believe the grid has returned. That...
by Epsilon Delta
Thu Sep 11, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8881

Re: Beginner questions, don't shoot

It really does matter which EU country you live in. Taxes are national law, not EU law. National laws differ. There are groups of countries that have similar laws but there is really no substitute for knowing your own countries tax laws. Some EU countries have Wealth taxes, some don't. Some EU count...
by Epsilon Delta
Thu Sep 11, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Beginner questions, don't shoot
Replies: 10
Views: 1489

Re: Buffett: Modern investment theory is horse-pucky

All [MPT] does is tell you what the optimum portfolio would have been in the past, and it turns out that the efficient frontier curve and the optimum portfolio are even less stable than "performance" (i.e. return). MPT doesn't do that. The optimal portfolio for the past is all Cisco, foll...
by Epsilon Delta
Thu Sep 11, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10385

Re: Buffett: Modern investment theory is horse-pucky

All [MPT] does is tell you what the optimum portfolio would have been in the past, and it turns out that the efficient frontier curve and the optimum portfolio are even less stable than "performance" (i.e. return). MPT doesn't do that. The optimal portfolio for the past is all Cisco, foll...
by Epsilon Delta
Thu Sep 11, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10385

Re: Buffett: Modern investment theory is horse-pucky

I think theres a simple test: If you can't make an argument in finance without complex math, you have no business making it with complex math. Complex math is only useful because sometimes, thoughts need to be complicated on their way to becoming simple. I disagree. Math is simply being precise, an...
by Epsilon Delta
Thu Sep 11, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10385

Re: Which generator do you have?

Option #1. I seem to recall the people on the utterpower.com website were developing a tapered plug/shaft to fit into the end of motors from dead generator so you could re-purpose the motor for an application requiring a shaft/pulley/lovejoy coupling. (Small generators have a tapered shaft that is ...
by Epsilon Delta
Wed Sep 10, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8881

Re: Land line for renter in S Florida

Your arguments make perfect sense, but I am dealing with an elderly woman who, though she is a fantastically nice person, is very set in her ways. She tells her landlord what to do, not the other way around, and I am just happy to keep her so when she yells "frog" I jump. But maybe she do...
by Epsilon Delta
Wed Sep 10, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1108

Re: Roth conversion question

2) Withhold from your conversion contribution to avoid the 2210 AI and payment of estimates. To avoid tax and penalty on the withheld amount, within 60 days of the distribution complete another conversion equal to the withheld amount using your outside funds. Does the second conversion count agains...
by Epsilon Delta
Tue Sep 09, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion question
Replies: 16
Views: 1207

Re: A 'really good book' you did NOT enjoy

It's a pity Emma Bovary never asked Bogleheads for portfolio advice. I also kept wondering about Dostoevsky characters who had servants but no money...even in high school that seemed like an odd concept to me. :) They were "servant-poor" similarly to our contemporaries being "house-p...
by Epsilon Delta
Tue Sep 09, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11131

Re: If you won the lottery, does boglehead thinking still wo

Size of portfolio does matter. At the least, various boglehead principles interact differently. If I won $100,000,000 the rate of return I need to reach my goals becomes something like -14% (i.e. I can afford to lose 1/7 of my real capital per year). Most of the theories that make sense with a goal ...
by Epsilon Delta
Tue Sep 09, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2959

Re: Which 4 door with 250+ hp

The French thing about manual transmission is probably just a test of coordination. If you are not coordinated enough to drive a manual transmission car, then perhaps the authorities feel you have no business at all driving a car anyways. Whatever the position was years ago, today the French do let...
by Epsilon Delta
Mon Sep 08, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8351

Re: Land line for renter in S Florida

It depends why you want a land line, but this desktop cell phone might meet your relatives needs.
by Epsilon Delta
Mon Sep 08, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1108

Re: If you won the lottery, does boglehead thinking still wo

Gold isn't much of a hedge against a total breakdown of the economic system and the social chaos it would entail. If things actually got that bad, the only metal with any real practical value would be lead. There is a wide range of things breakdown possibilities. In the extreme ones, nothing helps....
by Epsilon Delta
Mon Sep 08, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: If you won the lottery, does boglehead thinking still work?
Replies: 39
Views: 2959

Re: Salary Info double standard?

It's a mistake to assume that the way an online form is set up represents some kind of over-arching hiring philosophy. There could be many reasons why the form is set up that way. I agree. It's a pretty standard question, probably more the norm than the exception. I wouldn't read too much into it b...
by Epsilon Delta
Mon Sep 08, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4257

Re: CD penalty comparison, question

I don't think you're missing anything. They are counting that most people won't pay attention to the early withdrawal option. In discussions around here during last year's bond mini-crash, I had the more cynical position that they're also thinking they might weasel out of allowing withdrawal with s...
by Epsilon Delta
Sun Sep 07, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD penalty comparison, question
Replies: 11
Views: 848

Re: A 'really good book' you did NOT enjoy

Isn’t it interesting? I read a lot of Russian literature in college as that was my minor, and I really enjoyed it (for the most part). The one author that I could not stand after a while was Tolstoy. IMHO, Dostoyevsky’s Crime and Punishment was the best book I ever read (at that time), and so I wan...
by Epsilon Delta
Sun Sep 07, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11131

Re: Employer finding out you have a financial cushion?

I have also heard that prospective employers for many kinds of positions may not want to hire someone who is so financially well off that the person does not care about doing a good job and can just walk away whenever they please. It depends on the job, traditionally they want salesmen to be hungry...
by Epsilon Delta
Sun Sep 07, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8347

Re: How do you keep your electricity bill low?

No you shouldn't unplug the thing. ... (unused fridges are also a terrible hazard for small children-- too easy to play a game of hiding inside-- our law requires that if they are outside eg waiting for disposal,the door must be removed). Once upon a time this was true. Fridges had mechanical latch...
by Epsilon Delta
Sun Sep 07, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9412

Re: How do you keep your electricity bill low?

And if the water is a 'right' that a farmer in the Central Valley has, but cannot sell, then it is rational for him to consume that water. Hopefully the fact that the water table is dropping like a rock will lead them to conserve somewhat. Only if they own it. When ground water is available to anyb...
by Epsilon Delta
Sun Sep 07, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9412

Re: Why is Total Intl's turnover rate much lower than its pa

Turnover rate depends on both the behavior of the fund and the behavior of the funds owners. Investors who buy and sell a fund in the same year increase the turnover even if the fund's portfolio does not change. It is possible that the investors in the constituent parts are more active than those of...
by Epsilon Delta
Sat Sep 06, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Total Intl's turnover rate much lower than its parts?
Replies: 12
Views: 851

Re: relo property and "illegal" partially finished basement

"Code" is not just a bunch of legal technicalities. Most of the rules are trying to prevent unnecessary deaths and property destruction. Fire doors, flame resistance and a second means of egress are not just the law, they're good ideas. Several people have implied that people can get away ...
by Epsilon Delta
Fri Sep 05, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: relo property and "illegal" partially finished basement
Replies: 23
Views: 1344

Re: relo property and "illegal" partially finished basement

You should also be able to bring it up to code by removing some of the alterations and restoring it to its original "basement" state. Whether you would want to take that option depends on if you want the extra space and the quality of the conversion. Probably not what you want to do, but i...
by Epsilon Delta
Fri Sep 05, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: relo property and "illegal" partially finished basement
Replies: 23
Views: 1344

Re: Daily Telegraph: World War One Archive

"The Americans have need of the telephone, but we do not. We have plenty of messenger boys."
-- Sir William Preece, chief engineer of the British Post Office.
by Epsilon Delta
Thu Sep 04, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 115
Views: 9625
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