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Re: Equal Weight portfolio

One problem with asset classes is that the classes are arbitrary. If you take a histogram of company size it's a fairly smooth graph, it's not a trimodal distribution with distinct humps for large, medium and small companies. This means that if you decide to equal weight asset classes you still have...
by Epsilon Delta
Tue Nov 25, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weight portfolio
Replies: 7
Views: 670

Re: I think I'm missing something about the backdoor roth

If it's completed before 12/31 (why is this important? I thought the deadline was until tax time) , then proceed with converting from tIRA to Roth. If not, then convert in January (again, why?) I hope that Vanguard/Fidelity can communicate enough to roll over the entire balance, and not leave 0.01,...
by Epsilon Delta
Tue Nov 25, 2014 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: I think I'm missing something about the backdoor roth
Replies: 21
Views: 1517

Re: Does a drop in salary decrease SS?

Thatthatisis wrote:However, if I'm understanding correctly, working part time for a year or two won't have a negative impact.

You are understanding correctly.
by Epsilon Delta
Tue Nov 25, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Does a drop in salary decrease SS?
Replies: 5
Views: 765

Re: I think I'm missing something about the backdoor roth

I'm with retiredjg on this one. But JW and I said the same thing. :D Perhaps you intended to but it doesn't read that way. He said "Convert $5500 first." You said "convert exactly $5,500 this week and get all the rest of the money into your 401k BEFORE 12/31 ". The 12/31 cut off...
by Epsilon Delta
Mon Nov 24, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: I think I'm missing something about the backdoor roth
Replies: 21
Views: 1517

Re: I think I'm missing something about the backdoor roth

Converting exactly $5500 first is much cleaner. This way you leave nothing but taxable amounts in the IRA and you can roll 100% of it into the 401k. If you do have to or want to use the back door, convert exactly $5,500 this week and get all the rest of the money into your 401k BEFORE 12/31 . If yo...
by Epsilon Delta
Mon Nov 24, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I think I'm missing something about the backdoor roth
Replies: 21
Views: 1517

Re: Purchasing power parity

Calculating PPP ( Purchase Power Parity ) between then and now is tough, and using one item of comparison can be misleading. Clothes were much, much more expensive in Austen's day, but labor of all sorts (skilled and unskilled) was much less expensive than it is today in a developed country. It dep...
by Epsilon Delta
Mon Nov 24, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 59
Views: 16239

Re: POLL: Do you personally own a cell phone?

For one, I periodically buy 3 months of time (60 minutes @ 90 service days), but use it so rarely I currently have 1200 minutes. If you buy the minutes through the tracfone web site then sometime during the checkout they offer a chance to buy a years service (but no minutes) for $50. Combining this...
by Epsilon Delta
Sun Nov 23, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2734

Re: Light Bulb Question

Europe is nominally 230V, as is the UK. The tolerances are wide enough that the actual voltage in the UK is almost always 240V while on the mainland it's 220V. Gotta love that harmonization. ... I recall that Europe switch a while ago, increasing network V from 220, I think to simplify derivation f...
by Epsilon Delta
Sat Nov 22, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 4597

Re: Dog food - how cheap is too cheap?

"You don't sell dog food to dog's (you sell it to owners)" is a common expression in sales seminars. Usually it's a figurative example of the agency problem, but in this case it's literal. In the literal sense of literal.
by Epsilon Delta
Sat Nov 22, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 56
Views: 3167

Re: Cold weather gloves

If you can't use choppers, then what I do is use a pair of very thin "runners" gloves and the choppers. When I have to use a tool I take the choppers off and work, once done, the choppers go back on. I don't have a good answer if you need a lot of dexterity all the time. That is my proble...
by Epsilon Delta
Sat Nov 22, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1420

Re: Light Bulb Question

Although European voltage is 220v, apparently the National Grid in the UK delivers over that voltage, periodically, so light bulbs have a way of burning out prematurely. Europe is nominally 230V, as is the UK. The tolerances are wide enough that the actual voltage in the UK is almost always 240V wh...
by Epsilon Delta
Sat Nov 22, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 4597

Re: Storing/Organizing Memory Sticks

I'm getting flashbacks to the bad old days when my files were on 500 floppies. It's probably cheaper and IMO easier to get a couple of terabyte drives and put everything on one with the other used as an automated backup whenever you plug the primary into your computer overnight. The only reason I'd ...
by Epsilon Delta
Sat Nov 22, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 25
Views: 1432

Re: Cold weather gloves

Layers. Add or remove as temperature and need for dexterity require. Currently I use: Polypropylene glove liners. Thermidor Lobster gloves. Water (and wind) proof nylon over mittens. And in my pocket a couple of pairs of glove liners and a warm pair of mittens or socks so I can keep warm when the ot...
by Epsilon Delta
Fri Nov 21, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1420

Re: How much is saved by taking mass transit to work?

Accounting for the cost of public transit commute is very easy. But don't forget the tax benefit, as there is $115 / month transportation commute benefit. Thus, it will be cheaper than the sticker cost. Could you elaborate this "tax benefit"? Possibly the following, but I don't see the $1...
by Epsilon Delta
Fri Nov 21, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3408

Re: GAO Concerned your IRA may be too big!

I continue to be concerned with the emphasis on size of IRAs without respect to the prohibited transaction rules and non-traditional assets. All 5 of the recommendations and and 2/3s of the matter are about prohibited transactions and non-public assets. So the emphasis of this report should not be ...
by Epsilon Delta
Thu Nov 20, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2764

Re: Can Non-Tax Filers Contribute to IRA?

Is it even possible to not be required to file a tax return but to owe tax if you do file?
by Epsilon Delta
Thu Nov 20, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can Non-Tax Filers Contribute to IRA?
Replies: 12
Views: 1237

Re: How much is saved by taking mass transit to work?

If I lost my license and had to take public transport, here's my commute: Bike 4 miles to commuter rail in Southborough, Ma. 1 hour ride to south station, Boston. T ride or bike to North station and take commuter line to Acton, Ma. Bike 4 miles to work. On a good day, 3 hours minimum each way and I...
by Epsilon Delta
Thu Nov 20, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3408

Re: Light Bulb Question

Boy, I'd wish people would stop making assumptions about the needs of other people. The arrogance on this thread is infuriating. I am a tenant, I am leaving in 7 months. It makes no sense for me to pay a ton of money extra for an led light bulb that lasts 8 years. Maybe if you had mentioned that in...
by Epsilon Delta
Thu Nov 20, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 4597

Re: Light Bulb Question

I would suggest you just get some plain old incandescent lamps and enjoy how well they work and not have to deal with warm up time etc. of fluorescent lamps. I doubt you ever recoup your cost in 7 months anyway. But you might have to replace them within 7 months. Light bulbs used to be part of the ...
by Epsilon Delta
Thu Nov 20, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 4597

Re: How much is saved by taking mass transit to work?

If I lost my license and had to take public transport, here's my commute: Bike 4 miles to commuter rail in Southborough, Ma. 1 hour ride to south station, Boston. T ride or bike to North station and take commuter line to Acton, Ma. Bike 4 miles to work. On a good day, 3 hours minimum each way and I...
by Epsilon Delta
Thu Nov 20, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3408

Re: Light Bulb Question

Incandescent bulbs, will, as I understand it, essentially be unobtainable in most countries quite shortly. They *can* be made to meet the energy efficiency regs but the technology advantage of LEDs is so large, that the manufacturers won't find it economic to make them. For a few years stockpiles w...
by Epsilon Delta
Thu Nov 20, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 4597

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Why anybody thinks that owning a piece of virtually every stock in the investment universe eludes me. This is not a strategy -- it is the total absence of a strategy. Forgive me JB. This doesn't quite parse, but it sounds like a lottery ad. For any game not playing the game is a strategy, and in al...
by Epsilon Delta
Wed Nov 19, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8161

Re: Winter Coat

A lot depends on what you do. If I'm only outside for half an hour or so layering is inconvenient. I'd rather have a single thick coat I can don and doff quickly, and get crude temperature control with the zipper. If I'm outside all day I'll go with multiple layers and adjust as needed. Down. I avoi...
by Epsilon Delta
Tue Nov 18, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4399

Re: Gold And Silver As A Currency Hedge?

I think [silver] actually has more industrial uses than gold. But I am not 100% sure. Gold has many useful properties but few irreplaceable ones. Industrial uses are limited by cost. Gold plated electrical contacts are one example. Many of our products have a version for use in harsh environments. ...
by Epsilon Delta
Tue Nov 18, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 10358

Re: Landlord wants us to sign an entirely new contract!

Have you ever leased an apartment? Did you have a discussion and conversations before even talking about paperwork and signatures? Or did you just ask for the lease and sign it? When I lease an apartment I ask for the lease, read it, negotiate the objectionable parts and sign the amended lease. Pri...
by Epsilon Delta
Tue Nov 18, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5828

Re: 75w LED bulb in a 60w socket?

I put a pair of LED's on my garage door opener, and the remote control refused to work. I replaced the two LED's with one bulb of a different brand, and all seems to be fine. One bulb seems to be enough. Many incandescent fixtures used two bulbs for redundancy, even though it is more efficient (and...
by Epsilon Delta
Mon Nov 17, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1970

Re: No more year-end paper statement option?

Leeraar wrote:My paranoia does not extend that far, and it is not for me to assure you.

Indeed it is not. But this is, after all, a straightforward factual question and somebody knows, it was possible it was you. :sharebeer
by Epsilon Delta
Mon Nov 17, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2186

Re: a look at gold and its hedging value

Nice post, Larry. Gold is a hedge against fear. People buy it if they feel instability is coming. Like during the post 9/11 to 2008 period. Political, economic, and social fear. Why you might ask? Because you can transport a large amount of value in a limited space than can be exchanged anywhere. 1...
by Epsilon Delta
Mon Nov 17, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3233

Re: No more year-end paper statement option?

I would not trust anyone to recalculate based on old data bases. That said, Vanguard stores PDF images of your statements. L. How do you know that? Is there a third party digital timestamp? Are you part of Vanguards IT? Do you have an unambiguous statement that they actually store a pdf? Just becau...
by Epsilon Delta
Mon Nov 17, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2186

Re: car sensor showing TPMS sign

Keep in mind that TPMS sensors have a relatively high thermal sensitivity, so given how cold most of the country has been the past week, it could be from the difference in temperature. In most cars equipped with TPMS, you can narrow down the issue by first driving around for awhile (think like 15is...
by Epsilon Delta
Mon Nov 17, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1669

Re: Landlord wants us to sign an entirely new contract!

dbr wrote:In any case creating bad blood between tenants and landlords is a lose-lose game that both parties will regret.

That ship has already sailed. The landlord has already created the bad blood. The question is how the tenant deals with it.
by Epsilon Delta
Mon Nov 17, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5828

Re: Gold And Silver As A Currency Hedge?

LongerPrimer wrote:Have anyone held 10- 20- 30 oz of 24k gold?
For some reason it mass seems some much heavier than its actual weight.

It's a troy oz. So it is 10% heavier.

If more people read the Aeneid, they wouldn't trust Trojan things. Although the horse was really Greek.
by Epsilon Delta
Mon Nov 17, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 10358

Re: No more year-end paper statement option?

Why do you need copies? They should be available from Vanguard etc. for as long as you might need them. Apologies to Leeraar for taking this a little out of context, but I think the literal question deserves an answer. Trust but verify. I've saved several thousand dollars a couple of times because ...
by Epsilon Delta
Mon Nov 17, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2186

Re: a look at gold and its hedging value

Epislon Not exactly right. There was open market but US government was able to hold price down, eventually the trade deficit and inflation led to outflows and they no longer could hold it, as gold was flowing out at rapid pace. So they abandoned it.Clearly gold would have been MUCH higher by 1971 t...
by Epsilon Delta
Sat Nov 15, 2014 12:35 am
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3233

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home ad...
by Epsilon Delta
Fri Nov 14, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1109

Re: a look at gold and its hedging value

epsilon US citizens were in fact not allowed to own gold. The United States Gold Reserve Act of January 30, 1934 required that all gold and gold certificates held by the Federal Reserve be surrendered and vested in the sole title of the United States Department of the Treasury. It also fixed the pr...
by Epsilon Delta
Fri Nov 14, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3233

Re: a look at gold and its hedging value

Here's what I meant The price of gold would not have been say $35 in 1971 if it was freely convertible for the prior 40 years or so. It would have been much higher. How much higher I don't know. And that's the problem. You are looking at an artificially low price as the starting point. Clearly gold...
by Epsilon Delta
Fri Nov 14, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3233

Re: Question about Vanguard total stock market

Dividends aren't free money. ...since we are less than 60 days out, they won't be qualified... The holding period for qualify the dividends is 61 days in a 121 day window centered on the ex-dividend date. Buy and hold is always enough to satisfy the holding period. If you buy now you'll satisfy the...
by Epsilon Delta
Fri Nov 14, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard total stock market
Replies: 8
Views: 1232

Re: Non-US citizen with Interactive Brokers: Estate Tax risk

I recently opened a trading account with Interactive Brokers (IB). The account is domiciled in the US. And lastly, I have a very stupid question: why on earth would this account be subject to US Estate Tax? The account is domiciled in the US. It's subject to US law. In many ways this is a good thin...
by Epsilon Delta
Fri Nov 14, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 41
Views: 2341

Re: Dealing with pressure for "social donations" at work

I also think it's interesting that several people feel like extortion is somehow less bad based on salary amount. It may not be the salary as such, rather than the control of the work environment that is assumed to go with it. Consider waiters sharing tips with the bus boys. Or a feudal system wher...
by Epsilon Delta
Fri Nov 14, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 8860

Re: Is buying organic worth it financially in the long term?

As I said, there's a pretty good chance that the power of prevention eclipses our current understanding. If (if) that turns out to be true over the next fifty years, a lot of people may have left a lot on the table in their idle pursuit of moderation. And lots of people will have left a lot on the ...
by Epsilon Delta
Fri Nov 14, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5625

Re: Parents can be forced to pay college tuition in NJ?

Does anybody who's actually read the case care to comment? The ruling was almost certainly much narrower than "Parents must pay college tuition in NJ". The ruling may or may not be reasonable in the circumstances, but the press reports are almost certainly neither reasonable nor ethical.
by Epsilon Delta
Fri Nov 14, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Parents can be forced to pay college tuition in NJ?
Replies: 31
Views: 1886

Re: a look at gold and its hedging value

Larry - one period that is often mentioned is the 1970s when there was high inflation and gold soared in price. Did the authors include this period in their research, and what did they have to say about the apparent link between rising high inflation and gold during that time? Remember that Richard...
by Epsilon Delta
Fri Nov 14, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3233

Re: Not qualified for my job - what to do?

For some more context : I was hired quickly with almost no questions asked. I didn't even really know what I'd be doing. I learned on my first day that the GM who hired me had left. A new GM who didn't know anything about technology came in. I report to him and have not received any real feedback o...
by Epsilon Delta
Fri Nov 14, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4732

Re: Is Boglehead investing becoming the conventional wisdom?

At some point passive investing could become so prevalant that stock prices no longer respond properly to market conditions and the EMH breaks down. This pulls the rug from under the Boglehead philosophy. In the long term this is no problem because it would permit active managers to outperform pass...
by Epsilon Delta
Fri Nov 14, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3028

Re: Not qualified for my job - what to do?

Has your boss communicated that your performance is unsatisfactory? It's possibly that your perceptions are wrong -- That you're doing enough, possibly more than enough, even if you're not doing every thing you think you should be doing. I've had jobs were I felt that way for years on end, but I kep...
by Epsilon Delta
Fri Nov 14, 2014 1:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4732

Re: Gold As A Currency Hedge

I got less interested when I found that global gold stocks are less than 1 ounce per person in the world. The whole idea of a global gold-backed currency seems kinda farcical when you realize that, unless we priced gold 20-50x higher than it has ever been before. IOW, gold << global GDP That is not...
by Epsilon Delta
Thu Nov 13, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 10358

Re: Beginner want to keep retirement investing easy and simp

To keep things simple, should I just put the extra for investment into my Vanguard Brokerage account and auto-invest in VTSMX (Vanguard Total Stock Market Index Fund)? Am not interest in doing constant trading to chase performance. You could do a lot worse. It may also depend on how much you are in...
by Epsilon Delta
Thu Nov 13, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner want to keep retirement investing easy and simple
Replies: 3
Views: 438

Re: Is buying organic worth it financially in the long term?

People were not "made" to eat agricultural produce at all; agriculture is not "natural" and nor are the selectively bred plant species we use for it. The paelo movement is the more consistent application of these principles - for which, again, there is no evidence of health bene...
by Epsilon Delta
Thu Nov 13, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5625

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

"Take your risk on the equity side" assumes that all risks are the same. If the risks are different (the correlation is not 1) you should take some of each. If you believe in the efficient market hypothesis then absent special conditions you should take the market amount of each.
by Epsilon Delta
Thu Nov 13, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3623
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