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Re: The safest 4 door sedan out there

There is a good case that you should consider cost when considering what is the safest. If you spend an extra $10,000 on a safer vehicle that's $10,000 you can't spend on moving closer to work (so you drive less), or working less (to reduce stress), or better food, or better medical care, or removin...
by Epsilon Delta
Fri Oct 31, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 66
Views: 2884

Re: Heat pump question

I believe someone here posted the 38-40 degree outside temp as benchmark. (?) Whoever that was, he/she is correct. That is when the unit can't keep up anymore and has to go to resistance (the heat strips) Many people are fooled into believing (maybe misled by salesmen) that 32 degrees is the point....
by Epsilon Delta
Thu Oct 30, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 25
Views: 733

Re: Getting another key made for my car

I dropped a key with a remote onto a tiny puddle of melted snow, while I was trying to open the driver's side door last winter, which was hard to open in the minus 20 degree weather. Of course it is my fault, I should have looked at the street more carefully. But it did not occur to me that just a ...
by Epsilon Delta
Thu Oct 30, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 50
Views: 5271

Re: The safest 4 door sedan out there

Mass cancels out of the stopping distance equation for a flat surface: http://en.wikipedia.org/wiki/Braking_distance#Newton.27s_Law_and_Equation_of_Motion So it's not a factor. I guess it must be a positive factor for downhill stopping. Mass usually cancels out there as well. Coulomb friction limit...
by Epsilon Delta
Thu Oct 30, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 66
Views: 2884

Re: The safest 4 door sedan out there

How about a Rolls-Royce Phantom? Almost a ton heavier than the E class.
by Epsilon Delta
Wed Oct 29, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 66
Views: 2884

Re: Most financially economical choice for a car

I just searched for certified pre-owned Toyota Corolla vs Prius and it's coming up at $12k vs $22k. Assuming the Prius gets 25 MPG more than Corolla and gas prices of $4/gal, I'll need to drive 62.5k miles to break even, which is about 5 years for 12k miles/yr. Alright, it's not too bad... Maybe I'...
by Epsilon Delta
Tue Oct 28, 2014 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 50
Views: 3743

Re: Electric Water Heater

When you travel turn off the power and water supply to the heater. How will that stop a water heater from emptying its contents? If the water main is turned off, when a little water leaks out it relieves the pressure in your plumbing. So instead of water being pushed through a crack by the utilitie...
by Epsilon Delta
Tue Oct 28, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 822

Re: Will I get taxed if family sends my bank $50K from abroa

Hi guys, My girlfriend's aunt is sending her $50K to her bank account via a wire transfer from China. Her family just sold one of their properties in China and wants to buy one here in the US. From what she is telling me, she will withdraw the money and give it to her dad who will buy the property ...
by Epsilon Delta
Tue Oct 28, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Will I get taxed if family sends my bank $50K from abroad?
Replies: 10
Views: 1089

Re: Backdoor Roth. Calendar year vs tax filing year

If Vanguard thought you made an IRA contribution for 2013 they will have sent you a 2013 Form 5498 around June of 2014. So you might want to look in your records or in your Vanguard account downloadable tax forms. I have called Vanguard in July about a contribution made in April and credited to the ...
by Epsilon Delta
Mon Oct 27, 2014 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth. Calendar year vs tax filing year
Replies: 3
Views: 391

Re: How often do you change your car's oil?

Which leads to my question - why do newer cars not need oil changes as frequently? Is it because the engine technology is better today or were the recommendations of the past too conservative? Tighter manufacturing tolerances, better fuel management (Direct Injection is up in the air still, though)...
by Epsilon Delta
Mon Oct 27, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6220

Re: How often do you change your car's oil?

I find it difficult to trust my car's computer without knowing how the usage is calculated. Does anyone know what parameters go into this value? Is it different based on make or model? It varies all over the place. Some are simply based on mileage, some add a calendar, some look at the type of driv...
by Epsilon Delta
Mon Oct 27, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6220

Re: How often do you change your car's oil?

DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....


About 4 times per second at 30mph.

If your tires aren't rotating RELEASE THE HAND BRAKE.
by Epsilon Delta
Mon Oct 27, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6220

Re: Done with Honda, not sure what next car should be?

From this article I linked: http://www.nytimes.com/2014/09/12/business/air-bag-flaw-long-known-led-to-recalls.html?_r=0 The excerpt: "The danger of exploding air bags was not disclosed for years after the first reported incident in 2004, despite red flags — including three additional ruptures ...
by Epsilon Delta
Mon Oct 27, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6952

Re: Done with Honda, not sure what next car should be?

Did you read the NY Times article I linked in my OP? I'd love to hear your reaction to the article, as my primary concern regarding Honda is that they may have known about these airbag issues as early as 2004 (at least according to the reporting). I'm not too bothered (yet) by what's going on now i...
by Epsilon Delta
Sun Oct 26, 2014 2:05 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6952

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't believe your analogy makes sense. You don't chan...
by Epsilon Delta
Sat Oct 25, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6220

Re: Done with Honda, not sure what next car should be?

A couple of points about the airbag recalls. First, be careful when comparing different company's responses. Honda has about 6 times as many affected vehicles as Toyota. Relative to market share it looks like BMW has by far the largest percentage of vehicles affected. IMHO this is mostly a matter of...
by Epsilon Delta
Sat Oct 25, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6952

Re: Reduce income to fall below 401k HCE threshold?

The current HCE employees will probably also benefit if you remain a non-HCE. Your contribution probably increases the average contribution of the non-HCE group and hence increase the limit for the HCE. So your managers (who are probably HCE) may be more willing (and less punitive) to structure your...
by Epsilon Delta
Fri Oct 24, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce income to fall below 401k HCE threshold?
Replies: 9
Views: 864

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I have known engineers in my lifetime but I neglected to ask them how they invested their money. So I have to go by what other posters have said here. I suppose people with very strong math backgrounds would tend to believe that successful investing is all about math, that everything can be explain...
by Epsilon Delta
Fri Oct 24, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 126
Views: 8975

Re: Electronic lock experiences

I am considering the following lock for our home: http://www.amazon.com/Schlage-FE595VCAM619ACC-Camelot-Keypad-Lock/dp/B000NJJ1TY/ref=sr_1_5?ie=UTF8&qid=1414151637&sr=8-5&keywords=electronic+lock Or something similar. We sometimes share the keys with vendors (painters, carpenter, plumbe...
by Epsilon Delta
Fri Oct 24, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 12
Views: 1165

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I find it amusing that many people here are using the EMH as grounds for saying that stock picking is definitely a money losing strategy. If you can find someone who can consistently lose lots of money at trading, just start a hedge fund, hire him, and do the opposite of whatever he tells you to do...
by Epsilon Delta
Thu Oct 23, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 126
Views: 8975

Re: Electric Garage Door

I have a rather old garage door--steel, one piece--whose springs are getting up in years. When they go my garage door guy wants to replace everything, springs, door and all. I'm not really seeing the need....why not just the springs ? Did you ask the garage door guy why he thought it needed replaci...
by Epsilon Delta
Wed Oct 22, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Electric Garage Door
Replies: 10
Views: 897

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: 46
Views: 4303

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: 1460

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: 1056

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: 1460

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: 1451

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: 1451

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: 3740

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: 363

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: 1451

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: 1406

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: 279

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: 10390

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: 8914

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: 2932

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: 796

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: 9289

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: 46
Views: 3547

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: 10390

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: 6064

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: 8914

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: 1489

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: 10390

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: 10390

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: 10390

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: 8914

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: 1109

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: 1212

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: 11147

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: 2963
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