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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: 1379

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: 257

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: 9761

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: 7801

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: 2891

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: 773

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: 9172

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: 28
Views: 2139

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: 9761

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: 6022

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: 7801

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: 1482

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: 9761

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: 9761

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: 9761

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: 7801

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: 1096

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: 1190

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: 10988

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: 2943

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: 8097

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: 1096

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: 2943

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: 4226

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: 838

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: 10988

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: 8140

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: 9203

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: 9203

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: 825

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: 1291

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: 1291

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: 9233

Re: How do you keep your electricity bill low?

We live in Ca also. It gets hot during the day and it cools down about 30 degree;s or so at night. We have ceiling fans in every room, energy efficient windows and a whole house fan. Since CA is a dry climate, the whole house fan works great. We run the fan for about 30-45 minutes in the early morn...
by Epsilon Delta
Thu Sep 04, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9203

Re: $17,9 = €23,85 Profit ??! [ETF transaction, USD vs. EUR]

Consider a generic S&P 500 fund. These are available sold in dollar or euro. Lets invest in them for 1 year. If you buy one at Vanguard denominated in dollars. ⋅ You exchange euro to dollars at the 2014 exchange rate. ⋅ You buy the fund from Vanguard ⋅ Vanguard buys...
by Epsilon Delta
Thu Sep 04, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: $17,9 = €23,85 Profit ??! [ETF transaction, USD vs. EUR]
Replies: 9
Views: 565

Re: Easy

2. Don't run your AC. Use windows for cooling. I don't think #2 is appropriate in a place where it routinely gets over 100 degrees and stays at 90 or above for 24 hours at a time. He lives in Irvine not Hades. Open the darn windows, at least most of the nights and a lot of the days. The average low...
by Epsilon Delta
Thu Sep 04, 2014 1:12 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9203

Re: $17,9 = €23,85 Profit ??! [ETF transaction, USD vs. EUR]

MountainTop wrote:Finally figured it out. (duh!)

Would you recommend making USD transactions in a EUR account?


It does not matter, unless the currency exchange and other fees are high. What matters is where are EFT 1, 2 and 3 invested? If it's Japan, UK and Brazil you're exposure is to Yen, Pounds and Reals.
by Epsilon Delta
Thu Sep 04, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: $17,9 = €23,85 Profit ??! [ETF transaction, USD vs. EUR]
Replies: 9
Views: 565

Re: World's Economic Center of Gravity, AD 1 to 2003

Fun, but not sure of the mathematics of finding the "center" of the surface of a sphere. Is this based on longitude/latitude? That biases the result to Eastern Hemisphere as the other 180 degrees has much more ocean. Use Kansas City as the starting point, rather than 0/0 point off the coa...
by Epsilon Delta
Thu Sep 04, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: World's Economic Center of Gravity, AD 1 to 2003
Replies: 4
Views: 582

Re: Which generator do you have?

For anybody else that has a generator just to run your sump pump(s) - how big of a generator did you buy? Looking around online it seems that sump pumps have a pretty high starting wattage. You could consider trickle charging a battery backed up sump pump. You could use a ridiculously small generat...
by Epsilon Delta
Thu Sep 04, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7801

Re: California residents - do you have earthquake insurance?

As noted in my other thread "Earthquake Preparedness", the biggest hurdles are deductibles and rates. Unless/until mortgage lenders require earthquake insurance*, and the risk pool is enlarged, little will change. Folks in Merced can't or won't; folks in Orinda do or wish they could. Inde...
by Epsilon Delta
Wed Sep 03, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3225

Re: Which generator do you have?

In the US anyway fuel oil #2 is generally used for home heating oil. It's the same distillation cut as diesel fuel. They're similar but not the same. In addition to the other difference noted #2 heating oil often contains things that would be unacceptable contaminants in diesel. Contaminants includ...
by Epsilon Delta
Wed Sep 03, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7801

Re: Daily Telegraph: World War One Archive

The naval events would set the stage for the whole War. The German High Seas Fleet would shelter in its harbours, and periodically come out to raid the British positions, but always held back by the Grand Fleet at Scapa Flow in the Orkney Islands off Scotland. In the end, the High Seas Fleet would ...
by Epsilon Delta
Wed Sep 03, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 115
Views: 9233

Re: which engine and transmission options to choose for Taco

I've had Tacomas with both engines. The main problem with the 4cyl is the transmission. Often if driving 65-70 on a highway, the transmission would downshift from 4th to 3rd, then quickly to 2nd. I had to learn to lift up the gas slightly to avoid the sudden shift to 2nd. Why do you object to this?...
by Epsilon Delta
Tue Sep 02, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2469

Re: Paper or plastic?

I also jokingly suspect that the store clerks where I shop are getting some kind of kickbacks from the plastic bag industry for using more bags. It's almost to the point where they put every other item in its own bag. Oh my God, the (sealed) jar of pickles is going to be contaminated by the bottle ...
by Epsilon Delta
Tue Sep 02, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2881

Re: Help Please: Retirement plan vs. Higher Salary

You might also want to consider asset protection. This is another reason to favor putting money into a retirement account.
by Epsilon Delta
Tue Sep 02, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 35
Views: 3160

Re: Emerging markets 1900-2013

What you may be seeing is an institutional (mutual fund, pension fund, etc.) access premium. The primary stocks available to institutions are large cap developed markets stocks. The stocks not available to these investors due to liquidity, % ownership rules and impact on overall performance are sma...
by Epsilon Delta
Mon Sep 01, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 54
Views: 5410

Re: LED recessed lighting question

I'd have to check the code, but because the LED is hard wired you might be able to put 100 of the LED cans on the same circuit. You can't do that with the standard cans since you have to rate them as 100W or whatever because you could put an incandescent in them. We'd have 8 max on one switch and m...
by Epsilon Delta
Mon Sep 01, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1141

Re: LED recessed lighting question

Essentially what I'm asking is why would one choose a whole kit like this http://m.homedepot.com/p/Lithonia-Lighting-4-in-Matte-White-LED-Recessed-Baffle-Kit-LK4BPMW-LED-M4/203311706 Lithonia Lighting 4 in. Matte White LED Recessed Baffle Kit-LK4BPMW LED M4 at The Home Depot vs a can which is usual...
by Epsilon Delta
Mon Sep 01, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1141

Re: q regarding VG ER's

There could be some legitimate concern that a subsidized ER is a teaser that might be discontinued. It seems that it could happen, but I don't think anyone in this forum has ever mentioned a case where that has really happened--where the subsidy was discontinued and shareowners suddenly had to pay ...
by Epsilon Delta
Mon Sep 01, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: q regarding VG ER's
Replies: 8
Views: 655

Re: Highly Appreciated Stock

Realizing long term gains at the 0% federal rate is attractive. How much room there is in the 0% LTCG bracket depends on what other income there is. There might be a lot of headroom. The 0% bracket gets huge when the taxpayer requires assisted living or nursing care. Depending on the state, the sta...
by Epsilon Delta
Mon Sep 01, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Highly Appreciated Stock
Replies: 8
Views: 1008
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