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Re: Buying in ok neighborhood vs good neighborhood

No way I'm paying 620K (or 400K or zero K) to be 8 blocks from an area with Your words): Burglary and theft from motor vehicle Retail theft burglary to garage or apt Armed robbery Aggravated assault. At least I don't see murders on the list. But still. Are you kidding? In a city, I would be shocked...
by Epsilon Delta
Tue Jul 22, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 24
Views: 976

Re: Best Used Recreational Bicycles for New Riders

Your general mechanical competence and attitude towards mechanical things also factors in. If you won't be doing adjustments and repairs yourself picking an appropriate bike store first, before picking a bike, becomes more important. In my experience stores that cater to commuters and sell used bike...
by Epsilon Delta
Tue Jul 22, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 14
Views: 862

Re: Caught in the IRS fraud mess

By far the best solution is quick investigation followed by prosecution of the guilty and restoration to the innocent. But congress does not want to allocate the resources to make it happen. Actually, the best solution would be to require employers to submit W2 info to the IRS before any returns ca...
by Epsilon Delta
Mon Jul 21, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5762

Re: Which kind of bike for recent retiree?

I was able to end the sore wrists and shoulders by losing weight (surprise, surprise) and working with the bike shop to adjust the handlebars to a height that finally felt right. Proper technique helps here too. Your wrists should be straight, not bent backwards. Let up the death grip on the bars. ...
by Epsilon Delta
Mon Jul 21, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2411

Re: Which kind of bike for recent retiree?

For the other aspects, I've a recent convert to regular pedals, after using clipless ones for a decade or so. A bike collector I ride with simply told me that most riders don't use the purported advantage of clipless pedals, to be able to pull on the upstroke, and I decided I'd had enough panicked ...
by Epsilon Delta
Mon Jul 21, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2411

Re: Caught in the IRS fraud mess

Issuing a PIN for every return received to be used the next year would limit the problem to a one-time-only experience for each taxpayer, but doing this would require the exercise of a minimum amount of intelligence, which appears to be more than the IRS can muster at present. - Bob Beeman. PINs an...
by Epsilon Delta
Mon Jul 21, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5762

Re: Exceptionally high marginal rates on students

Sometimes the filing requirement is set for odd corner cases that are hard to find. It's easier to set it low and handle some zero tax filings than to have a long list of exceptions in the filing requirements that replicate some of the more complex parts of tax law.
by Epsilon Delta
Mon Jul 21, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Exceptionally high marginal rates on MD, VA students
Replies: 28
Views: 2458

Re: Honda Fit, Civic

Thank you, Watty. I will be mostly driving on the East Coast. In the past, I had to take some unpaved roads to get to trailheads in Upstate New York. In retirement, I may also start going to the White Mountains. Perhaps, I should exclude Fit to be on the safe side. I've driven an 1990 Civic* on unp...
by Epsilon Delta
Sun Jul 20, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2859

Re: Sprinklers for the bottom of a sloping lawn

Some of my sprinkler heads are in low spots, so any leakage puddles up round the head and then soaks into the lawn.

Can you adjust the contours round the sprinkler so that the after flow stays on the lawn?
by Epsilon Delta
Sat Jul 19, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Sprinklers for the bottom of a sloping lawn
Replies: 8
Views: 728

Re: Social Security Taxes?

South Carolina v. Baker

Since 1988 the tax exemptions on munis are statutory not constitutional.
by Epsilon Delta
Sat Jul 19, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2242

Re: Options/guidance for a lazy person to be fit

The weight where I feel fit and healthy is from 195 to 200 lbs. Family calls me skinny at that weight . Unless you're taller than 6'3" this is a problem. We tend to share the same habits of the people we hang around with. Ditching your family is probably off the table, so you're going to have ...
by Epsilon Delta
Fri Jul 18, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 68
Views: 4119

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

One thing to note is whether a USB drive has a separate power supply or is powered through the USB port. A USB powered drive is only guaranteed about 2.5W and this is low for a drive. This means compromises are needed, often resulting in slow reads and writes. This was very noticable about 5 years a...
by Epsilon Delta
Fri Jul 18, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 946

Re: Very high interest rate in other countries? How come?

To be exact, the relationship is called the Fisher equation after the economist, Irving Fisher 1+ real return = (1 + nominal return) / (1 + inflation) it can be approximated by expected real return = expected nominal return - expected inflation 1+ real return = (1 + nominal return) / (1 + inflation...
by Epsilon Delta
Fri Jul 18, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Very high interest rate in other countries? How come?
Replies: 44
Views: 3151

Re: CBS vs CBSO spinoff tender offer

I know people here don't like to believe it (I'm generally a boglehead), but those that participated in the CBS/CBSO Exchange offer received a mostly risk free 11-12% return in less than 2 weeks. Another reason why I don't believe in the strong form of the EMH, it might be there in general, but I t...
by Epsilon Delta
Thu Jul 17, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: CBS vs CBSO spinoff tender offer
Replies: 14
Views: 1093

Re: Purchasing Food at Work

I work in the emergency room as a RN at night (7p-7a) . This will be different than lunch on a 9-5 job. I've worked 4p-1a for some months. That messed with my meal schedule. I wanted my main meal at the 8p break -- my usual lunch of bagel or sandwich and fruit just didn't cut it, and since it was m...
by Epsilon Delta
Thu Jul 17, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3933

Re: "Stocks and shares," different things? "Peter Pan"

I agree that usage is confusing. I don't know what was common in 1900 (I'd have to look up David Kynaston's history of The City of London (ie of finance in London)-- 3 volumes-- to see if it says anything). BTW a senior (head of) government gilts broker at a bank used to have to wear a top hat and ...
by Epsilon Delta
Thu Jul 17, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2777

Re: Diminishing Returns of Fuel Efficiency

The thing about small cars now is that even the fuel efficient cars now have higher acceleration than 'muscle' cars back in 1980 (or at least your average V8 sedan then)-- the benchmark average has moved. Virtually all cars are more 'peppy' than they were then. (also due to aerodynamics they probab...
by Epsilon Delta
Thu Jul 17, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Diminishing Returns of Fuel Efficiency
Replies: 11
Views: 1416

Re: boglehead botanists...is this poison ivy?

reggiesimpson wrote:Harmless weed. I pull them all the time without reactions.


About 1 in 7 people can say the same about poison ivy. Allergic reactions can be quite idiosyncratic.
by Epsilon Delta
Thu Jul 17, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2434

Re: Snake!

Can you just put some window screen over the opening? I plan to but I need to see if I can get him out or at least make sure he is out before I cap that vent (and the drier vent as well). Have you considered using some sort of one-way trap door? Make your house Hotel-Ainrofilac until you're sure th...
by Epsilon Delta
Thu Jul 17, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 50
Views: 3734

Re: Insurance Inflation ?

There is a distinction between "increase in total medical costs" and "inflation". Improvements in quality and provision of services that were not previously available are not inflation, even if they increase costs. Measures of inflation take some effort to account for this, and u...
by Epsilon Delta
Wed Jul 16, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 799

Re: "Stocks and shares," different things? "Peter Pan"

That's interesting, but I can tell you that until the 1980s at least, that 'error' was common. 'UK Gilt Stock' is what Bloomberg calls the UK government bond market (top left hand corner of the basic UK gilt screen). So it may be incorrect but it was also widely used. What was incorrect in 1773 is ...
by Epsilon Delta
Wed Jul 16, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2777

Re: IRA to Roth then recharacterization

No. When you recharacterize the custodian (or in rare case somebody else) will calculate the earnings and move both the original amount and the earnings back to the traditional IRA. The calculations of earnings has some quirks, but they are not big enough to be systematically exploited.
by Epsilon Delta
Tue Jul 15, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: IRA to Roth then recharacterization
Replies: 2
Views: 455

Re: Zoning Issue in PA

The lot itself is zoned as commercial. The owner of the lot is trying to change this. He's cleared the land and intends to build a duplex, with built-in garages, in the lot. What's he allowed to build on this commercial lot without a zoning change? Would you rather have, say, a 7-11, dental office ...
by Epsilon Delta
Tue Jul 15, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Zoning Issue in PA
Replies: 5
Views: 737

Re: Elio Car

the video says its an ideal car for the teen with a new license. i disagree with that statement 100%. Absolutely. Young drivers especially male (testosterone) are far more likely to make mistakes. For example the stat I saw showed that most people killed on the roads are killed as a result of actio...
by Epsilon Delta
Tue Jul 15, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 37
Views: 3243

Re: When you envision efficient frontier, do you include bon

The theory behind the efficient frontier is a general theory. It works for any set of assets. You can use two dimensions of risk for stocks and bonds, 500 dimensions of risk for stocks in the S&P 500 individually, 530 if you throw in thirty different durations of treasury securities or about 43...
by Epsilon Delta
Tue Jul 15, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: When you envision efficient frontier, do you include bonds?
Replies: 15
Views: 1158

Re: Neighbor's ugly overgrown bushes and fence

1. Were my neighbor to call me an obnoxious [(removed) --admin LadyGeek] and request that I spend money for his convenience "surly" would about sum it up. 2. In some municipalities planting at least some types of bamboo is illegal. 3. If I lived in such an area and my neighbor (who is now ...
by Epsilon Delta
Tue Jul 15, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3187

Re: "Stocks and shares," different things? "Peter Pan"

The Shorter Oxford English Dictionary includes the follow under stock: When there is no specific indication s[tock] is usually taken to refer to those portions of the National Debt, the principle of which is not repayable, the government being pledged only to the payment of interest in perpetuity. T...
by Epsilon Delta
Mon Jul 14, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2777

Re: When you envision efficient frontier, do you include bon

The theory behind the efficient frontier is a general theory. It works for any set of assets. You can use two dimensions of risk for stocks and bonds, 500 dimensions of risk for stocks in the S&P 500 individually, 530 if you throw in thirty different durations of treasury securities or about 430...
by Epsilon Delta
Mon Jul 14, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: When you envision efficient frontier, do you include bonds?
Replies: 15
Views: 1158

Re: Cheapest Win7 image backup media solution?

How long do you need the backup to last? If you only need it for a month or two, and your bandwidth is adequate, renting cloud storage may be cheapest. You'll only paying for the months you use, not buying the hardware. * at least if you already have some sort of relationship with the provider so yo...
by Epsilon Delta
Sun Jul 13, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 557

Re: Ditch car and commute to work in 250cc scooter in Raleig

There's some good advice here. It made me think about how a lot of this reasoning also applies to riding a bicycle. You wouldn't ride a bicycle on an interstate or freeway but I think even the comments related to those roads would still apply since cycling typically involves being on roads where mu...
by Epsilon Delta
Sun Jul 13, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 68
Views: 4171

Re: Gold, Silver, Copper

That being said, gold is very useful for moving large amounts of money outside of the banking system. The only vehicles that are more dense are gems and art, but they are much less liquid. So IMO, there will always be a demand from that market. At $44/g, gold's a piker compared to €500 notes which ...
by Epsilon Delta
Sat Jul 12, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 39
Views: 3096

Re: Ditch car and commute to work in 250cc scooter in Raleig

When I lived in Boston, I took the bus a lot since I didn't live directly on a subway line. It was cheap, efficient, and was shared by folks from all, or most, walks of life. While there's no bus line near me, I unfortunately look at the people using public transport around here and it seems only t...
by Epsilon Delta
Sat Jul 12, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 68
Views: 4171

Re: Have we really solved the crisis

If you must Google for "gloom and doom" set your browser to private mode first. That way you see what everybody else sees, instead of having the search results tailored to match what you've already read. Matching previous results can wedge you in amen corner with no dissenting opinions.
by Epsilon Delta
Sat Jul 12, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Have we really solved the crisis
Replies: 7
Views: 1445

Re: Car did not start: To dispose? How?

You could also get a "battery tender" if you are going to be leaving it for a while that will keep a trickle charge on the battery that will greatly extend it's life. If you don't drive a car for six weeks or a couple of months a few times a year you could just get a bigger battery. Look ...
by Epsilon Delta
Sat Jul 12, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5449

Re: Gold, Silver, Copper

Far be it for me to question Nisiprius Investments' sales pitch, but the rest of the world's charts aren't quite as dramatic. Is mongabay quoting in Zimbabwe Shekels? In Sept 2007 lead peaked at $2220/tonne which is pretty close to todays spot price of $2175/tonne http://www.indexmundi.com/commoditi...
by Epsilon Delta
Sat Jul 12, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 39
Views: 3096

Re: Repair or replace old Taurus?

What's the general condition of the car? If you live in the snow belt or on a coast you're probably going to have to start replacing random parts due to corrosion (suspension, exhaust, fuel and brake lines, ... ). These nibble your wallet a few hundred at a time. Any pending expenses could weight ag...
by Epsilon Delta
Fri Jul 11, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2693

Re: Light Bulb Durability

Your electricity varies in how much mercury is released: - if you live in Quebec, or British Columbia, or WA state, then practically none - they use hydro electric Well Hydro-Quebec has been accused of releasing mercury, due to weathering in the reservoirs. But more importantly if you don't use ele...
by Epsilon Delta
Wed Jul 09, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4400

Re: IRS limits direct deposts of refunds to fight Identity T

A PIN or password that is used once a year is not an answer to anything, except to the question "How do we create a customer service nightmare?" There's a PIN for the FAFSA and it's not that bad. FAFSA treats a PIN as a convenience feature, not a security feature. For FAFSA you need PIN O...
by Epsilon Delta
Wed Jul 09, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3295

Re: IRS limits direct deposts of refunds to fight Identity T

A PIN or password that is used once a year is not an answer to anything, except to the question "How do we create a customer service nightmare?"
by Epsilon Delta
Tue Jul 08, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3295

Re: Erasing hard disk that have died

I thought it was more like a record player and to get anything useful you would have to move across the surface to get the individual "notes" of data to make the "song" make sense. I always get a different way of looking at things here. You can play an LP from a hi-resolution pi...
by Epsilon Delta
Tue Jul 08, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3174

Re: Windows 7 free support will be ending in 2015

bloom2708 wrote:Onward and upward.

Onwards, at least.
by Epsilon Delta
Tue Jul 08, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2167

Re: What octane gas do you use to fill your car?

tomd37 wrote:Or just alternate each time by refueling when the tank is half empty.


90.3333 < 91, so your out of spec half the time.
by Epsilon Delta
Tue Jul 08, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5298

Re: Do you deviate from the owner's manual?

I use the recommended octane, but I wouldn't say I do it carefully. I just can't be bothered to drive to Colorado to get something that doesn't meet the manufacturers spec.
by Epsilon Delta
Tue Jul 08, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3135

Re: Getting a universal remote that's really universal?

Needless to say our so-modern equipment can NOT be operated AT ALL without a remote. Checked the manual. I've never had a piece of equipment that can't be operated from the front panel, although sometimes doing so with four buttons and three LEDs is quite the experience. This was not a satisfactory...
by Epsilon Delta
Tue Jul 08, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Getting a universal remote that's really universal?
Replies: 12
Views: 1000

Re: Light Bulb Durability

I remember my chemistry teacher passing a ball of mercury from student to student so we could experience the unique properties of mercury, er, first hand. They didn't know any better. I remember my chemistry teacher. He was definitely a good argument for avoiding mercury. Although looking at the ex...
by Epsilon Delta
Tue Jul 08, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4400

Re: Erasing hard disk that have died

I wouldn't make it complicated. Just take the hard drive out, loosen a few screws, open th drive up and remove the little disk. Break the disk. If you want to be even more thorough, dispose of the pieces in different garbage bins in different places within your locality. :D I note the :D but this i...
by Epsilon Delta
Tue Jul 08, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3174

Re: Need some advice about riding in the Finger Lakes region

The Finger Lakes region is like corrugated iron. If your heading north-south along a lake or a ridge line it can be fairly flat riding. If you head east west it can be brutally hilly. The slopes at the side of the lakes can also be brutal. Trying to stay as close to a lake shore as possible can resu...
by Epsilon Delta
Mon Jul 07, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Need some advice about riding in the Finger Lakes region
Replies: 4
Views: 588

Re: What if your private residence doesn't meet fire code?

I'm guessing but perhaps the wall needed to be removed because enclosing the porch created an interior room without an appropriate second means of egress. The important point about fire codes is that they are by and large written by competent people who want to stop other people from dieing. People ...
by Epsilon Delta
Mon Jul 07, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: What if your private residence doesn't meet fire code?
Replies: 5
Views: 485

Re: Erasing hard disk that have died

One of my hard drive started making clicking noises. I have a backup so getting back the data is not an issue. I could hit it with a hammer or drop it in a bucket of water for several days, but we are suppose to recycle the electronic components. Is there a way to erase it without damaging the comp...
by Epsilon Delta
Mon Jul 07, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3174

Re: IRS limits direct deposts of refunds to fight Identity T

mickeyd wrote:Won't this just require all of the tax scammers to open up multiple bank accounts?


With Know Your Customer opening bank accounts is not trivial. Making the scammers work harder is a good thing.
by Epsilon Delta
Mon Jul 07, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3295
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