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Re: Emerging markets 1900-2013

Where is Argentina, which has had a stock market since 1854? Not in their database. How sure are we that there has never been a time when these stock markets looked like "emerging markets?" In 1900 Argentina looked more like a developed country, where it would have taken quite a few basis...
by Epsilon Delta
Tue Aug 26, 2014 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 22
Views: 1909

Re: Auto accident today

+1 You might phone the police and ask, just to cover yourself in case accidents need to be reported, but my guess is no injuries, no need. Many states require police reports to be file if the property damage is over a fairly small threshold. In CA it's $750, NY is $1,000. Given the cost of car repa...
by Epsilon Delta
Tue Aug 26, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Auto accident today
Replies: 33
Views: 2427

Re: Cash in Safe Deposit Box..??

Pop-Tarts Sealed in foiled packages and do not need refrigeration. Just curious. How do raw Pop-Tarts taste? I'd rather have Hostess pies and cup cakes. But no Twinkies. They're overrated IMO. If you're worried about taste it is not an emergency. I use peanut butter for emergency rations since I wo...
by Epsilon Delta
Tue Aug 26, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 60
Views: 3728

Re: did I damage my fridge by leaving the door open for a we

I have a small refrigerator in my garage which I use to keep water, soft drinks and Gatorade. It has been in use for 32 years. The rubber door seals are old, The door has been partially left open many times in summer heat, perhaps for days...I don't know how much. It keeps going and going and going...
by Epsilon Delta
Tue Aug 26, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2629

Re: Trying to understand the 1040 Tax Table

The tax tables exist simply because a long time ago we had to do arithmetic by hand. Since most people are bad at arithmetic this raised the error rate on tax returns to an unacceptable level. So the IRS pre-performed the calculations need by 99% of the population and put them in tax tables. Now tha...
by Epsilon Delta
Mon Aug 25, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand the 1040 Tax Table
Replies: 17
Views: 935

Re: Banking on VPN or off for Man in the Middle issue?

Ideally you would not get the banks certificate over the net, but via a completely different path. If banks were doing it right the public key would be engraved in granite in every branch. for some reason it isn't.
by Epsilon Delta
Mon Aug 25, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Banking on VPN or off for Man in the Middle issue?
Replies: 10
Views: 970

Re: Earthquake Preparedness

I'm surprised that vineyards seemed unprepared for this, judging by all the broken barrels and bottles. A lot of brick buildings got hammered too. Yes, it's easy to say, You should have done that, but zillions of bottles worth a lot apiece, and no provision for an earthquake - what were they thinki...
by Epsilon Delta
Mon Aug 25, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1950

Re: Earthquake Preparedness

I'm surprised that vineyards seemed unprepared for this, judging by all the broken barrels and bottles. A lot of brick buildings got hammered too. Yes, it's easy to say, You should have done that, but zillions of bottles worth a lot apiece, and no provision for an earthquake - what were they thinki...
by Epsilon Delta
Mon Aug 25, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1950

Re: POLL: Age for Collecting Social Security Benefits

If I had to guess, I'd bet (hope?) that it's just a miscommunication (i.e., the people who chose "after 70" meant "after the birthday at which they reach age 70"). There are a few corner cases where earliest eligibility can be after age 70. There are various reasons that can pre...
by Epsilon Delta
Mon Aug 25, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7288

Re: No room on your Windows hard drive? Cleanup Update files

WOW got rid of almost 7G of junk. How often should a person do this? At a nickel a GB, you recovered 35 cents worth of disk space. How often do you think you should do that? Disk space is so cheap that there is an argument to be made to never delete anything ever. Have you ever deleted something pe...
by Epsilon Delta
Sun Aug 24, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3123

Re: Currency risk for australian investor

Total international does not have exposure to US dollars. The unit of account does not matter. What matters is where it's invested and whether the investment is hedged. Total International is not hedged and is invested in Euro, Pounds, Krona etc.
by Epsilon Delta
Thu Aug 21, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Currency risk for australian investor
Replies: 6
Views: 393

Re: Good place to buy eyeglasses without insurance?

BTW, does anyone know if I can use my FSA funds for another pair of glasses in the same calendar year? I can't see any reason not to. I've had multiple pairs of glasses in a year (e.g. regular and safety glasses or regular and prescription sun glasses). I've also got an extra pair in December when ...
by Epsilon Delta
Thu Aug 21, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1714

Re: Why only stocks in a taxable account at retirement?

I do, and plan to continue to, intermix stock and bond funds. (note. my taxable bonds will only be I-bonds). My rationale for holding various asset classes in each location is that I am not going to follow the 1, 2, 3 model you presented and want to be able to maintain my asset allocation. To me ma...
by Epsilon Delta
Wed Aug 20, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1830

Re: Driving Trip Planning

Agreed that construction delays can throw a wrench, so plan on the low miles side per day just in case. Motel booking at noon on the way... An idea, but I don't have a cell phone and I'll be driving alone . But I'm amazed that there isn't something akin to what I seek already in existence. Seems li...
by Epsilon Delta
Wed Aug 20, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1614

Re: Tract Home - Things to Watch During Construction

There are two different conversations going on here. One is what features you would like when you design the house. The other, which I think is closer to the OP's question, is how do you ensure that a house is built according to the design, i.e. how do you supervise the actual construction. One thin...
by Epsilon Delta
Wed Aug 20, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3114

Re: About to Order my first Mini Cooper S

At least on my wife's Subaru it has the automatic transmission with a pseudo manual option, but the Subaru engineers idiot proofed all the fun out of it. By golly, if I want the engine to be running at 7000 RPM while going 30 MPH I should be able to shift into a gear for that. It's not only automat...
by Epsilon Delta
Wed Aug 20, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1196

Re: Any reason I should not pick the admiral funds equivalen

Has anybody tried an initial purchase of investor shares for an amount over the admiral minimum? I would be surprised if Vanguard did not upgrade immediately. As far as downgrading when you go below the minimum. I've had it happen as a result of selling shares but it took almost a year and I got sev...
by Epsilon Delta
Wed Aug 20, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason I should not pick the admiral funds equivalent?
Replies: 18
Views: 1661

Re: Wash D.C. speed camera - how accurate?

We got tagged on K street as you go into the city under Washington circle. It is a divided roadway with no pedestrians permitted. 38 in a 25! ouch. This spot is clearly a revenue seeker and I imagine there are others. We just paid it. This spot is within a thousand feet of a crosswalk.* Changing th...
by Epsilon Delta
Wed Aug 20, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2404

Re: Should non-vested retirement assets be treated different

If you have ongoing opportunities for other jobs, and those jobs have terms that, apart from the non-vested assets, are better than you're current job it might make sense. Particularly if the vesting is many years off. Consider this example. I work for minimum wage, but at the end of the year I get ...
by Epsilon Delta
Tue Aug 19, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Should non-vested retirement assets be treated differently?
Replies: 8
Views: 444

Re: Pressure Cookers?

Don't know about other countries, but these are/were pretty popular in India (though I have no idea how much of a market share they've lost to microwaves). I believe there are something like 400 million Indians without electricity. A pressure cooker is well suited to third world conditions. Relativ...
by Epsilon Delta
Tue Aug 19, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3255

Re: Online property tax payment lost

Town property taxes where I live are a whole other thing. A couple of years ago they started taking online payments, but charged a substantial fee (hundreds of dollars.) This year they changed to $40 a quarterly payment. For $160 a year, I will write and mail a check. It would be tempting to spring...
by Epsilon Delta
Tue Aug 19, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1393

Re: Is a 16% expense ratio technically possible?

I once had a 401(k) prospectus that listed a target retirement fund with a 75% expense ratio. I almost choked since this was a fairly good 401(k). It turned out this was a new and very small fund. Apparently a smallish startup cost had been attributed to the fund before it had 401(k) members assets ...
by Epsilon Delta
Tue Aug 19, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1489

Re: HUFF POST: How Financially Literate Is the Investing Pub

It's hard to say what should be first and what should follow . If both illiteracy and innumeracy are equally damaging, flipping a coin is better than being paralyzed by indecision. ... Agree they are equally damaging. But if they can't read the instructions in the first place...? Illiteracy and inn...
by Epsilon Delta
Tue Aug 19, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4608

Re: Bad(?) advice given about Target Date Retirement funds

I used to try to make the same point, which was also routinely ignored. I always thought this was incorrect advice, because if you follow it, even if the AA matches what you want NOW, the glide path will throw you off very quickly, and will reduce stock percentages either too fast or too slow (depe...
by Epsilon Delta
Mon Aug 18, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 75
Views: 4935

Re: Question about Tax Advantaged/Taxable Best Strategy

I have a real financial problem that I'm trying to get a handle on. This discussion is not theoretical for me at all. I have a iIRA. I'm creating a new taxable account from the proceeds of the sale of a property. I want to maintain a certain stock/bond mix. Conventional wisdom says to put all bonds...
by Epsilon Delta
Mon Aug 18, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Question about Tax Advantaged/Taxable Best Strategy
Replies: 44
Views: 2542

Re: Is buying two SUVs a sane/good financial move?

While it is true that 1000 lb or 5000 lb is pretty much the same against a 100,000 lb truck, the only collision the same as a fixed barrier is head-on collision of cars of equal mass. Look at the collision in the frame of reference moving with the center of gravity of the two vehicles. The much lar...
by Epsilon Delta
Mon Aug 18, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3692

Re: Is buying two SUVs a sane/good financial move?

While it is true that 1000 lb or 5000 lb is pretty much the same against a 100,000 lb truck, the only collision the same as a fixed barrier is head-on collision of cars of equal mass. Look at the collision in the frame of reference moving with the center of gravity of the two vehicles. The much lar...
by Epsilon Delta
Sun Aug 17, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3692

Re: Is buying two SUVs a sane/good financial move?

Some years ago I was driving a heavy load (over 100,000 lbs) over the coast highway. ... Nothing happened to the driver of the truck. ... I don't remember the equations from physics class, but mass matters. Do the math of a 100,000 lb truck v. a 1,000 lb car and a 100,000 lb truck v. 5,000 lb SUV. ...
by Epsilon Delta
Sun Aug 17, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3692

Re: VMMXX ?

I've been doing this for years. I only own mutual funds at Vanguard so I don't have a brokerage account. However I use the MM fund in much the same way as a sweep account. It's the only one linked to my bank account and all the transfers in and out go through it. It bounces up and down between perha...
by Epsilon Delta
Sun Aug 17, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX ? [Vanguard Prime Money Market Fund]
Replies: 2
Views: 590

Re: Avoiding the 3.8% medicare tax - when does it make sense

I looked at some of your funds and a few are very tax-inefficient. Check them all and sell the most tax-inefficient now. If you have a list of the gains in all these funds, then sell everything with a loss or moderate gains asap. Tax-inefficient funds tend not to have large unrealized capital gains...
by Epsilon Delta
Sat Aug 16, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: [when to sell funds if capital gains trigger Medicare tax?]
Replies: 12
Views: 794

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

I would chalk this up to an expensive life lesson in how even routine outpatient procedures can have unexpected costs. Go ahead and insist on seeing the full pathology reports if that will reassure you that 4 samples were actually taken and tested. But if they were, then go ahead and pay the bill. ...
by Epsilon Delta
Sat Aug 16, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 85
Views: 5762

Re: Getting Married, traveling abroad

Hello everyone, I'm getting married in October and plan to honeymoon in western Europe for a few weeks with my beautiful wife. Any advice regarding travel or accommodations, exchange rates etc? This is my first time leaving the country . We are the adventurous type so any recommendations on what to...
by Epsilon Delta
Sat Aug 16, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1361

Re: Getting Married, traveling abroad

Actually I believe it is a country - just not an independent one. It depends on how you define "country". You can define "country" to include Scotland, or you can define "country" based on the common characteristics of the 200 or so countries in the world, in which cas...
by Epsilon Delta
Sat Aug 16, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1361

Re: How would the super wealthy use Credit Unions?

It seems they would need so many credit unions that they would spend days filling out the paperwork. Or would they pick a big one like Navy Federal or Pentagon and go over the insurance limit? Paperwork is not a problem for the super wealthy. They have the butler* do it. Or an accountant, business ...
by Epsilon Delta
Sat Aug 16, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would the super wealthy use Credit Unions?
Replies: 11
Views: 1454

Re: Teaching teen to drive

I had a summer job was at landscape company. Despite being the low man on the totem pole I got to spend many hours in the air conditioned truck because I was the only one on the crew who could drive a stick. It's a useful skill, but not a vital one. Unless it was the only car available I would not s...
by Epsilon Delta
Sat Aug 16, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1397

Re: How to value house with unwanted tennis court

The thickness of the slab will play a large factor (thicker = more labor to remove and more disposal costs) in the price of removal. I can't imagine it costing over 10K, as demo labor (even under license/insured person) is relatively cheap compared with construction. You're underestimating the size...
by Epsilon Delta
Sat Aug 16, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2114

Re: Windows 7 PC?

SpringMan wrote:Download a program called "ShouldIKeepIt".

Can you post a url for this? Google searches were fruitless. Apparently people are more concerned about should they keep babies, household junk and old documents.
by Epsilon Delta
Fri Aug 15, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2406

Re: New lower limit for Admiral share conversion

Perhaps the value was over $10,000 on the day Vanguard made the decision to convert -- this may not be the same day the conversion was made.
by Epsilon Delta
Fri Aug 15, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: New lower limit for Admiral share conversion
Replies: 10
Views: 1658

Re: Removed Deck, New Patio, exposed ugly foundation - how t

It's going to get wet, so you want to weatherproof it so that your foundation does not further deteroriate. I would put a white Azek board on it (ie. kick-plate). Azek is basically white plastic that's designed to look like wood. You could either glue it or attach it with some cement nails. +1 Azek...
by Epsilon Delta
Thu Aug 14, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Removed Deck, New Patio, exposed ugly foundation - how to ma
Replies: 7
Views: 503

Re: Telephone Calls! Help! [Telemarketing phone calls]

I think the "do not call" list is set up wrong. Telemarketers are required by law to download the list, and filter their calls. Cheaters win. How about instead if telephone companies (CLEC's and ILEC's) were required to filter calls, unless a line was marked as residential, non-profit, or...
by Epsilon Delta
Thu Aug 14, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6217

Re: tax rates as expense ratios

Maybe it's just me, but anytime I see "X is a tax" when clearly X is not a tax my wingnut detector goes off. There's nothing really wrong with the OP's article, but it's difficult to read since I keep having suppress the detector. It would make the point just as well if in were expressed a...
by Epsilon Delta
Thu Aug 14, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Expense ratios as tax rates
Replies: 7
Views: 431

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

I think the biggest gripe is when this sort of thing happens, the DR doesnt really know if the procedure is covered and or what the insurance negotiated rate is. How could they know all of this, they would spend 95% of their day dealing with insurance matters . That's what happens when you run a sm...
by Epsilon Delta
Thu Aug 14, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 85
Views: 5762

Re: Considering buying a Plug-in Prius or a Volt

- Electric/Gas Range: the Prius will go something like 6-12 miles on "electric power" only, provided that you drive below certain speeds (i think somethingl ike 35 mph); Volt will go around 30-40 miles regardless of speed . MPG after that is about 50 for the Prius, about 36 for the Volt. ...
by Epsilon Delta
Thu Aug 14, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2569

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This is done to crack some of the more difficult passwords. So, the question becomes, should you make your randomly-generated password something less than the max allowed length? After all, for limiting the size of the search space, max allowed length is a very useful piece of info, isn't it? There...
by Epsilon Delta
Thu Aug 14, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7430

Re: Quickest Way to Deposit a Large Sum with Vanguard

I will reiterate what heartwood said. If you deposit a large sum of money into a bank account the bank will put a hold in it. You cannot transfer it out of the bank account the same day, or the next day or the day after that. It does not matter if you try to transfer out by check, by ACH, by wire, b...
by Epsilon Delta
Tue Aug 12, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quickest Way to Deposit a Large Sum with Vanguard
Replies: 22
Views: 2483

Re: Window Blinds

Also important is to determine how much an open blind will block your view out the window. The size of a closed blind is called the "stack". Most blinds come in only a few fixed lengths. For mid and low range blinds the length is rarely customized so you often end up using a 72in long bli...
by Epsilon Delta
Tue Aug 12, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 1164

Re: Window Blinds

Installing blinds is really easy. If you are not able to do it, you could order the blinds and then hire a handy man or family member to do it. I agree it's very easy to DIY, but if you go the handy man route you may want to get the handy man before ordering. In my experience measuring correctly ca...
by Epsilon Delta
Tue Aug 12, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 1164

Re: Copyright question

You will also want to consider if any of the slides contain things that are copyrighted by somebody else, did you have permission to use them and do you have permission to let somebody else use them? There can be a fine line between fair use, having permission for limited use and small scale copyrig...
by Epsilon Delta
Tue Aug 12, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 19
Views: 955

Re: Best Garden Composter

The author of Square Foot Gardening says that there are two varieties of microorganisms which can digest plant matter, aerobic, which are good and produce excellent compost and anaerobic, which are bad as they will produce a wet, nasty smelling product not suitable for use in the garden. Any ideas ...
by Epsilon Delta
Tue Aug 12, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Garden Composter
Replies: 19
Views: 1219

Re: Motorcycle for short commute?

... a bicycle wouldn't solve the sweatiness problem anymore than anything else. Depends on the climate. If it's hot and humid it won't help. If it's hot and dry the 10+ mph wind makes a difference. You still sweat but it evaporates. And of course you're exposed for 10 minutes rather than 30. The fo...
by Epsilon Delta
Tue Aug 12, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3665
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