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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: 16
Views: 1915

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: 1422

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: 970

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: 1422

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: 1421

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: 1421

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: 3653

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: 352

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: 1421

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: 1401

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: 272

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: 10283

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: 8745

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: 2917

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: 778

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: 9254

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: 2210

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: 10283

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: 6049

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: 8745

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: 1488

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: 10283

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: 10283

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: 10283

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: 8745

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: 1106

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: 1205

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: 11101

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: 2957

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: 8340

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: 1106

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: 2957

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: 4250

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: 845

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: 11101

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: 8318

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: 9395

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: 9395

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: 850

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: 1342

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: 1342

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: 9549

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: 9395

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: 574

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: 9395

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: 574

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: 585

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: 8745

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: 3262

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: 8745
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