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Re: What if a municipality invested

P.S Bruce is there any chance you know why New York city was exempted from that law? The real reason is politics. But consider the size of New York City. Its population is more than 20 times that of NY's next largest city, larger than all but 11 states. The city operates on a much larger scale than...
by Epsilon Delta
Tue Apr 22, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: What if a municipality invested
Replies: 33
Views: 806

Re: LED bulb prices

If you compare a 10W LED to a 10W incandescent you will find they both give off about the same amount of heat*, but most of the heat from the incandescent is radiant heat in the near infrared. This infrared energy shines around the room in roughly the same pattern as the visible light. You can usual...
by Epsilon Delta
Tue Apr 22, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 109
Views: 8461

Re: If you have ACA health insurance, what is your experien

Health insurance has a lot of low frequency high severity claims like this ---- any given year the top 0.5% of claimants might have 20-25% of claims. So yeah, the 39 years you aren't one of those people you might pay more in premium than you get back in value. But that 1 year you are one of the hig...
by Epsilon Delta
Tue Apr 22, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 124
Views: 5329

Re: Is 1800s stock market data even relevant?

That is only relevant if the data are accurate and representative and clearly (see various posts above) they are not, unless you think a few bank and railroad stocks represent the entire stock market and reconstructed many years after the fact they are accurate. Just as the connotations of "st...
by Epsilon Delta
Tue Apr 22, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 44
Views: 1780

Re: 3-prong to 2-prong for laptop? & overseas?

This may seem obvious, but does your power supply have a removable cord? If so you can get cord with the figure 8 or trefoil or whatever at one end and an Italian plug at the other.
by Epsilon Delta
Tue Apr 22, 2014 12:51 am
 
Forum: Personal Consumer Issues
Topic: 3-prong to 2-prong for laptop? & overseas?
Replies: 13
Views: 563

Re: Forced job responsibility putting me in a panic

I don't think you need to worry about this. Just do the terrible job that you expect to do and they will notice that you are no good with this and assign the task to someone else. I'm no sure this will work. I've been forced to viewed a number of terrible webinars, and many of them are still being ...
by Epsilon Delta
Tue Apr 22, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2008

Re: POLL: why carry cash?

You mean there is an alternative to cash and credit cards? I missed that in this thread. Just don't try that stuff ahead of me in the grocery store. People with checks are as bad as people with 17 items in the 10 or less line. Now that's where we need some financial education, if being able to coun...
by Epsilon Delta
Sat Apr 19, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 216
Views: 6895

Re: Significant error in investment account

Errors occur. I've found a half dozen or so over the years. Currently working on a $17,000 error at Vanguard. One thing to note is that accounting is not real time. A fair number of mistakes occur and are quickly corrected. You will only notice them if you check your account between the error and th...
by Epsilon Delta
Thu Apr 17, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Significant error in investment account
Replies: 3
Views: 643

Re: Keep passwords in USB thumb drive: good idea?

It's funny, but I've seen some security experts say that the best protection these days is to put one's passwords down on paper. That's the exact opposite of the advice that used to be given. It seems we've come full circle. FWIW, I do have some of my passwords on KeePass (and have copies on thumb ...
by Epsilon Delta
Thu Apr 17, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2019

Re: Force to have Double Coverage Health Insurance

My family and I are currently covered under my wife's health insurance through her employer. Coverage is excellent. We have almost hit the deductible this year and they cover 90%. I just took a new job and my new employer does not allow me to DECLINE health coverage. So I'm going to be covered unde...
by Epsilon Delta
Thu Apr 17, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Force to have Double Coverage Health Insurance
Replies: 12
Views: 872

Re: Little to no income for 2 years- take IRA RMDs up to 37k

An alternative would be to wait until you are working and can make 401K contributions each year and contribute the maximum $17,500 from your paycheck to the 401k and to also withdrawal $17,500(including RMD) from the inherited IRA. The 401K contribution and the inherited IRA withdrawal would cancel...
by Epsilon Delta
Thu Apr 17, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1163

Re: heartbleed - widespread internet security problem

PS: Hack, pump, and dump can be used to extract value from a stock trading accounts (but not mutual fund only accounts) quickly. But there have been only a few news reports on it being used. I am not quite sure why it does not happen more often. From a few reports that I've read, so far the losses ...
by Epsilon Delta
Thu Apr 17, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16466

Re: True Crypt - Possible Security Problems

No. It's entirely possible to recover data that's been written to disk but later deleted. Even overwriting it with a "secure" deletion utility isn't necessarily enough, as the data may have been moved around on the physical disk in a way that the operating system can't see, so overwriting...
by Epsilon Delta
Thu Apr 17, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: True Crypt - Possible Security Problems
Replies: 14
Views: 1399

Re: Windows Connectivity/Security Question

Okay, the reason I started to think about this is because my software firewall has an option to "Stop all Internet activity". I use that whenever I step away from the computer for any length of time. That led me to the realization that there were ways of shutting down Internet activity ev...
by Epsilon Delta
Thu Apr 17, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Windows Connectivity/Security Question
Replies: 17
Views: 833

Re: Why does Vanguard use average return iso compound annual

A Google search on def:average yields the following results. I am going to look at the first ten. I am going to read each one until I come to the first sentence that specifies how to do a calculation. (And I will take the words "arithmetic mean" as specifying that, because, at least at th...
by Epsilon Delta
Wed Apr 16, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4140

Re: Why does Vanguard use average return iso compound annual

And that appears to be the crux of the matter: making up definitions or better yet, the SEC redefining and totally distorting a well-established definition. I've checked Merriam-Websters, New Collins and The SOD. In none of them was "average" defined exclusively as "arithmetic mean&q...
by Epsilon Delta
Wed Apr 16, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4140

Re: heartbleed - widespread internet security problem

The impact on me is that I intend to logon to financial websites as infrequently as possible and assume that I'm risking my future every time that I do. I am not sure that is the right response. You have a responsibility to review your accounts frequently. If you fail to live up to this responsibil...
by Epsilon Delta
Wed Apr 16, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16466

Re: I'm on a mission for more security

Most likely pure luck. As you say they're not writing their own code, so when whatever they use gets hit, they get hit. The alternative is that the small credit union audited OpenSll, found the bug but didn't tell anybody. Disagree. The openssl heartbleed was specific to one version of openssl. If ...
by Epsilon Delta
Wed Apr 16, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1559

Re: I'm on a mission for more security

All the credit unions I do business with have two factor, including two quite small ones. It's not like they're writing their website code themselves in a back room. The day after the heartbleed bug hit the news, I checked with some online checker recommended in here. All of them came up A-. Fideli...
by Epsilon Delta
Tue Apr 15, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1559

Re: what is a secured creditor, are muncipal bonds secured?

No. Secured creditors have a lien filed against collateral Some munis are secured. Some are not. Many of the Detroit water and sewer bonds are secured. In theory the court will sell off the assets to pay the creditors, in practice the water system will probably continue in operation (probably under...
by Epsilon Delta
Tue Apr 15, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: what is a secured creditor, are muncipal bonds secured?
Replies: 2
Views: 202

Re: Question regarding security door

I believe the OP is talking about a steel grill, which replaces or supplements a screen door, rather than a solid main door. These are useful in climates where you'd want to leave doors/windows open at night. Either a solid or hollow steel grill is probably stronger than the hinges, mounting screws,...
by Epsilon Delta
Tue Apr 15, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Question regarding security door
Replies: 11
Views: 795

Re: Why is mid-cap discussed so much less than large and sma

Because when you have a hammer everything looks like a nail. If you treat market capitalization as a single variable you can plug this into regression analysis, or similar, and see how market cap affects the result. This is discussed as large v. small but the tools really measure things across the f...
by Epsilon Delta
Tue Apr 15, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why is mid-cap discussed so much less than large and small?
Replies: 19
Views: 1243

Re: Traveling by train in the UK for the firs time, help!

There are also sleeper trains between London and Scotland. Not particularly cost effective but it might cross something off the bucket list.
by Epsilon Delta
Tue Apr 15, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1242

Re: I'm on a mission for more security

Which should I do first Monitor your accounts. Organize things to make this easier, possibly by reducing the number of accounts and rejecting vendors that don't fit into your system. A lot of problems can be corrected if you find them. But as heartbleed shows, the system is insecure in many ways yo...
by Epsilon Delta
Tue Apr 15, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1559

Re: Traveling by train in the UK for the firs time, help!

It's not clear if you are intending to spend some time in London before heading to Scotland or not. If you intend to go from Heathrow direct to Scotland you will find you have to take commuter train or tube into central London and have some fraction of mile to walk between stations in central London...
by Epsilon Delta
Sun Apr 13, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1242

Re: LED bulb prices

A triac based dimmer is a horrible thing to do to a piece of electronics, it throws out an inductive spike 120 times a second. Integrating the dimmer into the bulbs electronics is a much cleaner solution.
by Epsilon Delta
Sun Apr 13, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 109
Views: 8461

Re: Investor from Finland

Such is the magic of compounding reinvested dividends over a long period of time. Over a short timeframe, such as 3-5 years, obviously stock price movements will have the biggest impact by far, but over 25-30 years or even longer periods, roughly half of your overall total return will come from rei...
by Epsilon Delta
Sun Apr 13, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investor from Finland
Replies: 49
Views: 996

Re: Why does Vanguard use average return iso compound annual

Grayfox, I maintain that the vast majority of people would define average as the arithmetic mean, even if they wouldn't know the term arithmetic mean. I don't believe this is true. The majority of people use average as a vague reference to some sort of middle value, more or less synonymous with &qu...
by Epsilon Delta
Sat Apr 12, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4140

Re: Another reason why you should never reuse passwords...

My approach to passwords is that you'll never remember a random sequence. Haystacks , yes. Random characters, no. If you can't remember it anyway, you'll need to save it to a file. So just use the maximum number of available characters. Wi-fi takes 64, this forum takes 100. How do you protect the p...
by Epsilon Delta
Sat Apr 12, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 39854

Re: California Taxes - Am I Missing Something?

While it's less expensive and less hassle in the short run, the inspector is supposed to be there to protect you (against shoddy electrical, plumbing, etc.). The inspector is also supposed to protect your neighbors against shoddy construction on your home. History has many examples of entire cities...
by Epsilon Delta
Fri Apr 11, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8430

Re: Corporate Compliance has a problem with our Vanguard acc

Well it's not a loophole in that my wife can not disclose anything about clients at work to me. That is the same as she can't disclose anything about clients to anyone. So she doesn't have legal authority to trade in my account and she can not disclose anything to me. Assuming she follows the law a...
by Epsilon Delta
Fri Apr 11, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Wasting money on rent or buy in California

That is a relative bargain. Well the landlord is her uncle. :D To the OP: if you want a temporary place while you look around you may find a relative is more flexible about renting month-to-month instead of a yearly lease. On the other hand the move and move again things gets old, particularly if y...
by Epsilon Delta
Fri Apr 11, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2252

Re: heartbleed - widespread internet security problem

Another take-away from this article is to not use your web configuration interface on the router until you're ready to apply a firmware update to fix the bug, since attackers could retrieve your router login credentials via this bug (as previously explained by madbrain). For a home (or other small)...
by Epsilon Delta
Fri Apr 11, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16466

Re: Passport validity: Do I need at least 6 months?

Depending on where you live, going to the Post Office could be a nightmare. I just got my first US passport, so I had to go in person. The Post Office is not the only place you can use. In the past I've used a County Clerk's office in a rural county. They had night hours once a week, with no appoin...
by Epsilon Delta
Fri Apr 11, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: KeePass vs LastPass

Like TrueCrypt, KeePass can use a keyfile: Key Files Instead of remembering a super secure password, let your data take care of the details. All you have to remember is that you've used Grandma's vacation picture. And don't lose the picture. Or, any one of the thousands of files on your PC. Just be...
by Epsilon Delta
Thu Apr 10, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5987

Re: Vanguard website & Heartbleed security flaw

jebmke wrote:
sscritic wrote: You will be merged, sooner or later.

Very Borg-like.

Maybe the search box should be BIGGER.


Maybe the "report thread" icon could be BIGGER..

It's nice to point the OP to the right thread, but it's also nice to point the moderators to duplicate threads.
by Epsilon Delta
Thu Apr 10, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16466

Re: LED bulb prices

If anyone is interested Home Depot has 60 watt equivalent Cree A19 bulbs on sale for about half off at $6.97 each. This is the lowest I've seen them. Now if the BR30 model would just come down some more.... K.I.S. Got Cree 60W at Home Depot today for $4.97. Not sure if it is an A19. Can't find a pa...
by Epsilon Delta
Thu Apr 10, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 109
Views: 8461

Re: Preventing Office Theft of Food and Other Stuff

linenfort wrote:Semantics.


Semantics is the relationship between words and reality. It's very hard to have a conversation if semantics are unnecessary or undesirable.
by Epsilon Delta
Thu Apr 10, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5184

Re: How to encrypt files for backup?

Don't forget: If you encrypt your backup you also need to backup your encryption key. This is actually a hard problem. People sometimes get it wrong and find they can't access the backup file when they need it :oops:. Other people write the encryption key on the backup tape with a marker :shock: . I...
by Epsilon Delta
Thu Apr 10, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1224

Re: Corporate Compliance has a problem with our Vanguard acc

Rob, we're not planning on getting a divorce, but I would feel strange re-titling her assets (there's a salacious joke in there, but I don't think Lady Geek would appreciate it). It's not possible for brokerage account anyway. You would have to open a new account and transfer the assets there. Actu...
by Epsilon Delta
Thu Apr 10, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Windows XP to Linux Question with existing HW

If, as suggested by lazyday, you use a USB card reader write protect could, but does not have to be, implemented in the card reader. So you need to select either an SD card or a USB reader that enforces the write protect. Unfortunately low cost is usually the overriding design goal so chances are c...
by Epsilon Delta
Thu Apr 10, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2354

Re: Tax deductions from charities

Yea I am going to dig and see what I can deduct. No, I live in florida with no state tax. When there is no state income tax, you can deduct sales tax if you itemize. IRS sales tax deduction calculator: http://www.irs.gov/Individuals/Sales-Tax-Deduction-Calculator You can deduct sales tax even if th...
by Epsilon Delta
Thu Apr 10, 2014 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1657

Re: Tax deductions from charities

I think what was meant was that you can deduct the whole amount, but that only part of it will actually reduce your taxes beyond that of the standard deduction. For example, say your itemized deductions pre-gift are $4200, the gift is $4000, and you are in the 15% tax bracket, then your taxes will ...
by Epsilon Delta
Wed Apr 09, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1657

Re: Brown bagging in a more formal office

One more thing to look for. A couple of places I've worked for have had strict "no food in the cube" policies. Mostly due to insect or rodent problems.* It never got anybody fired, but if everybody leaves their lunch in the fridge and eats in the cafeteria there might be a reason for it. *...
by Epsilon Delta
Wed Apr 09, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3072

Re: Same ETF listed on two exchanges, different performances

There could be a bunch of differences. Things I'd look at include: ⋅ Expense ratios (which you've already mentioned) ⋅ Tax differences perhaps the UK fund is paying some US withholding taxes internally. ⋅ Does your tool account for currency conversion costs? ⋅ ...
by Epsilon Delta
Wed Apr 09, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Same ETF listed on two exchanges, different performances?
Replies: 5
Views: 287

Re: Front License Plates for new Subaru

Magruder wrote:Was this not an American built car assembled in Indiana?

Some states don't use front plates. Having the dealer drill the holes, if needed, gives a cleaner look in those states.
by Epsilon Delta
Wed Apr 09, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 733

Re: Same ETF listed on two exchanges, different performances

Any chance returns are in different currencies?

The dollar has fallen about 10% with respect to the pound in the last year. This lowers the return in quoted in pounds by about the 10% compared to returns quoted in dollars which would match the discrepancy.
by Epsilon Delta
Wed Apr 09, 2014 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Same ETF listed on two exchanges, different performances?
Replies: 5
Views: 287

Re: UK Investment Advice

Thanks for that, In terms of tax efficiency I have used all I can (within the current tax year) so anything I do after this will be taxable Tax efficiency isn't just pensions and ISAs. Every investment or account type has it's own efficiency. One way to look at is is as a list with the most tax eff...
by Epsilon Delta
Tue Apr 08, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: UK Investment Advice
Replies: 10
Views: 196

Re: What to do with Win computers?

One thing to be aware of when using old computers as servers is their power consumption. The power management on older PCs is often not compatible with always on services, in which case running it 24/7 may consume close to $100 of electricity per year. In some cases it's cheaper to buy a more modern...
by Epsilon Delta
Tue Apr 08, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 2263

Re: Inexpensive Win7 laptop that will support 2 to 3 monitor

I'm not sure what you want two or three monitors for.* In some cases it can make sense to use an extra computer as a monitor rather than put three monitors on one PC. If you're doing stuff on the cloud or a server a PC is just a smart terminal, and two PCs are two smart terminals. * I've tried this ...
by Epsilon Delta
Tue Apr 08, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 21
Views: 1070
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