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by Epsilon Delta
Sat May 23, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: Are Bond ETFs a bad idea?
Replies: 10
Views: 629

Re: Are Bond ETFs a bad idea?

On the contrary! Bond ETFs are better at protecting long-term investors (buy and holders) than bond funds, as any liquidity problem will only affect traders selling (or buying) ETF parts during the troubled period. Any mispricing error harms or benefits only these traders. (Incontrast, in a bond fu...
by Epsilon Delta
Sat May 23, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Good 3-way LED Bulb?
Replies: 9
Views: 805

Re: Good 3-way LED Bulb?

You will need to contact them to ask whether they are dimmable. Let us know what you find out. Dimmable is not the same as 3-way. Although a dimmable 150W equivalent with a dimmer might be a suitable alternative to a 3-way. You would need to add a dimmer (you can get dimmers built into extension co...
by Epsilon Delta
Sat May 23, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Website showing recent (not current) car incentives?
Replies: 2
Views: 261

Re: Website showing recent (not current) car incentives?

Have you tried the way back machine on the Edmunds website?

https://web.archive.org/
by Epsilon Delta
Fri May 22, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: Risk Factors: Variance Skewness Kurtosis
Replies: 9
Views: 1143

Re: Risk Factors: Variance Skewness Kurtosis

This got me thinking, as an investor I do not care about things like the the small factor, value factor, term factor, default factor, distress factor etc. All I care about is the return of my portfolio and its exposure to risk as measured by variance, skewness and kurtosis. From an asset pricing pe...
by Epsilon Delta
Fri May 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Recall
Replies: 13
Views: 1744

Re: Is it safe to have your Takata airbags repaired?

... A rough estimate is these Takata airbags have saved and continue to save 250 lives per year ... Is that 250 just for Takata? Worldwide? Ditto for 2000. Isn't there a better way to spend $800 to save more lives? 250, if worldwide, is < 0.1% (rough order of magnitude) of all auto fatalities annua...
by Epsilon Delta
Thu May 21, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: Good 3-way LED Bulb?
Replies: 9
Views: 805

Re: Good 3-way LED Bulb?

I just ended up using a regular Cree 60W equiv dimmable, the fixture seems to work ok, even though it needs 2 clicks when off -- it ends up as a full strength and about 2/3 strength over the other two clicks, which works for us It's not designed to do that. The only way I can image that working is ...
by Epsilon Delta
Thu May 21, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 654

Re: Desired asset allocation for temporary US person?

Can you elaborate in what way mutual funds weren't designed to be foreign held? I'm using Vanguard, and have read that their unique fund structure lets their mutual funds be as tax efficient as their ETFs ( reference ). They don't mention anything related to foreign ownership; are there perhaps mor...
by Epsilon Delta
Thu May 21, 2015 10:14 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2170

Re: What if the US stock market was only 25% of the world by market cap?

- Did the US Markets completely melt down Japan Style over a multi-year time horizon (maybe a war or something) or did Foreign Markets skyrocket through the roof? Doesn't really have to be either. If the US grows at 2% and ex-US at 6% (in USD terms), in 25-30 years the US is 25% of global market ca...
by Epsilon Delta
Thu May 21, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3589

Re: Put money down on new car, dealer wants color change

StormShadow wrote:Scr@w that! If they didn't immediately give me my money back, I'd go postal (figuratively, not literally).


Nah, do it literally. Start corresponding by mail. Once they send a lie through the USPS you can threaten them with a mail fraud complaint. :twisted:
by Epsilon Delta
Thu May 21, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: homeowner vacancy insurance - yikes
Replies: 18
Views: 1276

Re: homeowner vacancy insurance - yikes

I'll second getting a house sitter. May or may not involve rent. Perhaps a relative or family friend. A recent graduate, college kid, or similar might welcome a cheap or free place to stay where they don't have to share the bathroom with their sister. You will want to know them well enough to be con...
by Epsilon Delta
Thu May 21, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 7
Views: 701

Re: Investment Priority turned upside down?

By taxable funds, I mean taxable investments that would have some cap gain taxes due if they were used to pay taxes on a conversion. Just to be sure we're agree: ⋅ If you have money that has already been taxed, such as earned income, distributions, etc. it's always better to use a Roth th...
by Epsilon Delta
Thu May 21, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Investment Priority turned upside down?
Replies: 7
Views: 701

Re: Investment Priority turned upside down?

tadamsmar wrote:Because of the stepped up basis, prioritizing for inheritance may favor taxable over tax-deferred.

Are there any circumstances is it better to inherit taxable instead of Roth?
by Epsilon Delta
Thu May 21, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Recall
Replies: 13
Views: 1744

Re: Is it safe to have your Takata airbags repaired?

Making sure tires are properly inflated and worn ones replaced is likely more important than repairing airbags. +1 Another way to look at it. Roughly 1/8 of cars in the US have been recalled for these airbags. Airbags save around 2000 lives per year. A rough estimate is these Takata airbags have sa...
by Epsilon Delta
Thu May 21, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Head scratcher? why do these funds differ in performance?
Replies: 10
Views: 1094

Re: Head scratcher? why do these funds differ in performance?

Thanks for the explanation...so let's assume a $10,000 investment amount and that no issue exists regarding being taxed on bringing money into the US , in your opinion, to invest in Total Stock Market Admiral does it make sense to transfer the money from the UK to a US Vanguard Taxable account and ...
by Epsilon Delta
Wed May 20, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: ATM fraud minimization steps
Replies: 15
Views: 845

Re: ATM fraud minimization steps

What's the advantage of ATM only with no debit functionality? Don't you need to enter your PIN for either? If they steal the $$ as cash or as goods, what diff does it make?? ATM withdrawals are typically limited to $300 or $600 per day. Debits for purchases are limited to the contents of your bank ...
by Epsilon Delta
Wed May 20, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 654

Re: Desired asset allocation for temporary US person?

You might be better investing in a diversified portfolio of individual stocks rather than funds of some sort. They have fewer unpleasant interactions with multi-country taxation. Do you have any particular resources on this? I'm expecting to sell sometime in the far future when I live in Scandinavi...
by Epsilon Delta
Wed May 20, 2015 2:50 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2656

Re: How should drivers react to bicycle riders on one lane roads?

In NJ the law is bicycles have to keep as far right as possible. If I ever tried to ride in the center of a lane, especially during rush hour I would not be cycling long. I have seen this especially when two cyclists are riding side by side. IMHO this type of behavior makes it dangerous for all cyc...
by Epsilon Delta
Wed May 20, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6573

Re: Aren't we overdoing electronic auto safety features?

Another concern I have about all the electronics associated with these sensor-and-computer systems is their reliability and the costs to repair and maintain them as the car ages. These are the same guys that can't even install airbags that don't explode and kill you or ignition key switches that ma...
by Epsilon Delta
Wed May 20, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2656

Re: How should drivers react to bicycle riders on one lane roads?

That's fine, but your "ownership" would be limited to an infinitesimally small minority share, sense the vast majority of the funding for maintenance comes from gasoline taxes that are implicitly paid for by the drivers of cars. In that light, you would be "entitled" to only a v...
by Epsilon Delta
Wed May 20, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 25
Views: 1854

Re: 2 different Cree LED Daylight 60W equivelent bulb options

a) If you think about it, there's pretty good evidence that human beings really are crepuscular (just like mosquitoes). Our closest relatives, the great apes, are all diurnal, and we share most of their anatomy, including the eyes. However if we're going to argue from anatomy, by far the most speci...
by Epsilon Delta
Wed May 20, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6573

Re: Aren't we overdoing electronic auto safety features?

[...]I don't think you understand how capable many adaptive cruise controls are. For most systems, you can be doing 100 mph and the ACC will bring the car to a complete stop well before a collision.[...] Chris I don't claim to understand driverless cars so have abstained from the discussion; howeve...
by Epsilon Delta
Tue May 19, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 25
Views: 1854

Re: 2 different Cree LED Daylight 60W equivelent bulb options

...Looks like the diff is the 2700k vs the 5000k which I guess is a difference in color temperatures... whatever that mean ~2700K is the color of late sunset. ~5000K is the color of daylight. Are you crepuscular or diurnal? Do you burst into flame when exposed to real light? The only reason 2700K l...
by Epsilon Delta
Tue May 19, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much is financial flexibility worth?
Replies: 15
Views: 1200

Re: How much is financial flexibility worth?

The deduct-ability of the student loans needs to be taken into account. Do you qualify and what's your marginal rate? This may be different before and after you go to one income. It is possible that the after tax cost of the student loan and the more expensive car loan is rather close.
by Epsilon Delta
Tue May 19, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4276

Re: How fast should I ride my bicycle?

Try to get on the wheel of one of the riders who passes you, someone a little bit faster but not too much faster. You can take turns as lead rider. You'll go faster. Be careful drafting. If the lead rider manoeuvres abruptly it can cause a crash. Some people do not want to accept that responsibilit...
by Epsilon Delta
Tue May 19, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I change my ETFs?
Replies: 18
Views: 997

Re: Should I change my ETFs?

You have not mentioned taxes. In many countries realized capital gains are taxed, and this tends to favour not swapping funds. I don't know the laws of the UAE or any other countries that may be involved. I find it helpful to write an investment policy that does not explicitly mentioned which funds ...
by Epsilon Delta
Tue May 19, 2015 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 654

Re: Desired asset allocation for temporary US person?

Why are you contributing to a 401(k) when you plan to withdraw it in a few years? Between the large withdrawal forcing you into a higher tax bracket and the early withdrawal penalty it may be best to forgo the 401(k) except possibly to claim an employer match. You might be better investing in a dive...
by Epsilon Delta
Mon May 18, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 4961

Re: Powerwall: The Arrival of Home Battery Backup System

My guess is that the two products, 'off-grid' and 'back-up' applications have the same battery pack, and the 'daily cycle' version just uses a reduced cycle range to get longer battery life (more cycles), e.g. 10-80% SOC (thus 7 kWh versus 10 kWh). The backup version is rated for 'weekly', meaning ...
by Epsilon Delta
Mon May 18, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4276

Re: How fast should I ride my bicycle?

There's a lot of different things I could say, but the first thing that comes to mind is how fast is it safe to ride on your bike path? I know many bike paths where between tight turns, bad pavement, kids in strollers, kids not in strollers, stop signs every block, ... 14 mph is well above what is s...
by Epsilon Delta
Sun May 17, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 114
Views: 7834

Re: What's so great about simplicity?

When a simple system gets input that is close to, but not quite, what it expects it usually generates output that is close to what you expect. This is not true of complex systems. There are examples from many fields, to give just one I have never seen a linear power supply go non-linear, while I hav...
by Epsilon Delta
Sat May 16, 2015 11:14 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4049

Re: Emerging Markets: Yes or No?

2. corruption ran high in the US when it was an emerging market, and well, the US did pretty well in the past 200 years in terms of stock returns I think this, like the "nothing is manufactured in the west" is just a sloppy argument, based on hand waving and internet memes rather than act...
by Epsilon Delta
Sat May 16, 2015 12:46 am
Forum: Investing - Theory, News & General
Topic: A Toy Example for Market-Cap Weighting, MPT, and More
Replies: 3
Views: 232

Re: A Toy Example for Market-Cap Weighting, MPT, and More

You can't say the market is efficient and the then pluck numbers out of the air. In an efficient market the cap weighted portfolio is best because if it isn't people would arbitrage it away. If there is a better portfolio than the market cap portfolio people will buy the over-weighted stocks and sel...
by Epsilon Delta
Sat May 16, 2015 12:17 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6573

Re: Aren't we overdoing electronic auto safety features?

A large dog jumped in front of my car at 65 mph on the freeway once. It was so fast, I reacted instinctively by slamming on the brakes. Still hit the dog, but it caused my car to slide sideways and the front end went into the center guardrail. I was very lucky there wasn't someone on my tail when I...
by Epsilon Delta
Fri May 15, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic Door Locks
Replies: 12
Views: 1137

Re: Electronic Door Locks

http://www.engadget.com/2014/09/25/haven-smart-door-lock/ seems like a pretty cool door lock. A hack wouldn't necessarily know what is on the other side keeping the door closed. It's got bluetooth and WiFi. It almost certainly broadcasts it's make and model. All the hacker needs is a cell phone wit...
by Epsilon Delta
Fri May 15, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Very misleading graph on stock and bonds price change.
Replies: 10
Views: 1224

Re: Very misleading graph on stock and bonds price change.

That is extremely weird. I can't think of a a good cynical explanation. Maybe it isn't a common code path for gains and losses and there's a bug that got through SQA... One of life's little irritations is that there's almost never an effective channel for end-users to report bugs. Usually the effec...
by Epsilon Delta
Fri May 15, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 4966

Re: Why is Vanguard's Web Site So Bad?

I wouldn't be against Vanguard giving us a summary of changes, but I'm not sure if there were any changes to even report (they would probably need a team of lawyers to write up any "summary of changes" as well - probably unnecessary for what they view as a formality). If you're using any ...
by Epsilon Delta
Fri May 15, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Data on 5498 does not match 1099-R
Replies: 8
Views: 984

Re: Data on 5498 does not match 1099-R

Do you have statements that cover the period? That will give you three things to compare, so you can take a majority vote. Hopefully they don't tell three different stories. I find it's best to have all the info before calling. Substituting a 8 for a 5 is a common enough typo, but there shouldn't be...
by Epsilon Delta
Thu May 14, 2015 5:16 pm
Forum: Investing - Theory, News & General
Topic: At what point would you want "capped" indices?
Replies: 12
Views: 780

Re: At what point would you want "capped" indices?

FYI Apple is only 3.2% of "the market" as of 03/31/15. It would have to outperform the market by 25% to reach 4% or outperform the market by 56% to reach 5% weight of "the market". Although now that I've typed this, these circumstances don't really seem that far fetched :) How p...
by Epsilon Delta
Thu May 14, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3098

Re: Home Internet - Cat 5e or Cat 6

Cat 5e dates from 2001 Cat 6 dates from 2002 Cat 6a dates from 2008 The upgrade will only gain you a few years. I have seen hundreds of thousands of dollars spent on "futureproofing" that has never been used and was eventually abandoned in place. Don't spend money on tech you don't have pl...
by Epsilon Delta
Thu May 14, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 2264

Re: Can a toilet alone in a room be considered a bathroom?

itstoomuch wrote:It's not a "bath" of any type, unless it washes something. Definition 8-)


It's euphemisms all the way down.
by Epsilon Delta
Wed May 13, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2709

Re: Auto-braking systems in cars - experiences?

In this situation I'd get the auto brake, put a monitor in the car, and ground the child's behind if the auto brake ever activated (and they did not have a darn fine explanation).

Assuming such a monitor exists, if it doesn't somebody create one, since there will be a market for it.
by Epsilon Delta
Wed May 13, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9168

Re: Will you buy self-driving car?

I'm sure less people will be killed overall when the technology is ready assuming no malicious attacks. But society has to think of the ramifications of giving up control to programmers, and needs to ask more questions about situations like these. Right now nobody really knows what a car is program...
by Epsilon Delta
Wed May 13, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 2709

Re: Auto-braking systems in cars - experiences?

I'm not sure if you consider the following an auto-braking situation, but in the normal process of adaptive cruise control, the system will slow down the car maintaining 2-3 car lengths distance and even completely stop the car if traffic slow then stops. I hope that you are either driving very slo...
by Epsilon Delta
Wed May 13, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 10
Views: 2111

Re: 60W eq. LED bulb deal alert...

At my age 60W equivalents don't provide enough light. Yet even with the aging population it is difficult to find any 100W eq bulbs of any type. I'd gladly pay the extra for LED but are there any 100W eq out there? The OPs price for the 60W eq looks good. edit: I should have googled 100W LED before ...
by Epsilon Delta
Tue May 12, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Give your two cents on my Vanguard selections [UK, Australia, HK]
Replies: 20
Views: 1148

Re: Give your two cents on my Vanguard selections [UK, Australia, HK]

I would stick to my original suggestion: A non-US person / non-US citizen (NRA / non-resident alien) should stick to NON-US based accounts, and only invest in NON-US-domiciled funds & ETFs. http://www.bogleheads.org/forum/viewtopic.php?p=2487313#p2487313 I feel that's the safest path, rather th...
by Epsilon Delta
Tue May 12, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Define "Take Home Pay"
Replies: 15
Views: 1402

Re: Define "Take Home Pay"

I don't find much utility in take home pay, but a general definition could be your paycheck or direct deposit amount. It gets complicated by do you include additional income: ESPP, stock options, RSUs, bonuses. These should be included in take home pay, since they are income. I regard "take ho...
by Epsilon Delta
Tue May 12, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Closing on house in less then 30 days- bad idea?
Replies: 24
Views: 2024

Re: Closing on house in less then 30 days- bad idea?

I believe that the standard deviation on "due dates" is about a week. Even with a 30 day closing there is a 10% chance your wife will still be pregnant. If you go for either 21 or 30 days I'd give your lawyer explicit instructions to prepare ahead of time so the closing can go through with...
by Epsilon Delta
Tue May 12, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9168

Re: Will you buy self-driving car?

The moral dilemma posted above is a good one. I've been meaning to post something similar: will a computer go ahead and ding a car to avoid letting its passenger get broadsided by another car? Last week, my dad claimed to have done exactly that to save my mom from a speeder. (Now my mom gave a diff...
by Epsilon Delta
Tue May 12, 2015 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 3683

Re: Gold bars buying advise

http://s16.postimg.org/l8rmli7th/1802_2013.jpg No way this can be true. How much was gold back then? Not exactly sure what you're questioning, but between 1792 and 1834 $19.39 was one oz. of gold. In 2013 gold closed at $1204 per oz. Correcting for inflation and the increased real price of gold we ...
by Epsilon Delta
Mon May 11, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: best alternate phone?
Replies: 15
Views: 1319

Re: best alternate phone?

I'd check is how difficult it would be to replace your phone. In most case you can walk into a Verizon/AT&T/whatever retailer during business hours, throw money at the problem and walk out with a new phone on the old number. If that's good enough for you, you're done. In any case pre-researching...
by Epsilon Delta
Sat May 09, 2015 8:23 pm
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 1091

Re: Am I the only one not getting notifications?

I sent a PM yesterday and it's still sitting in my Outbox (not Drafts). Is this related? No, it's not related. PMs sit in your Outbox until the recipient reads the PM. So that just means the person hasn't read it yet. However if the recipient doesn't look at the status line and relies on notificati...

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