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Re: Saudi Arabia?

ASUGrad wrote:You can already invest in a Saudi Arabia. Its called oil.

What else does that country have thats meaningful enough for global investors to go "oh yeah, I have to invest in that!"


Hajj tourism.
by Epsilon Delta
Wed Jul 23, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Saudi Arabia?
Replies: 10
Views: 730

Re: Dumb 3rd grade math question about beach house rental

So is it more appropriate to divide the cost among equal use of time in the house ($10,000/28) or equal use of area ratio of the house (2nd equation)? I'd say equal use of time, because once the 3rd couple leaves it's not as if the other 2 couples will be spreading out there belongings and then be ...
by Epsilon Delta
Wed Jul 23, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2349

Re: Gold, Silver, Copper

You need to brush up on comparative advantage. Comparative advantage relies on a number of assumptions about labor and technology that may not apply to interactions with a society that has technology much more advanced than ours. For example, if automated manufacturing equipment can be purchased an...
by Epsilon Delta
Wed Jul 23, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Gold, Silver, Copper

If USD/short treasuries don't have entirely negligible risk, it makes sense to look for diversification away from them, to some degree. And gold is not automatically excluded by any solid logic . Foreign stocks aren't either, but their values depend a lot more on a general smooth running of the wor...
by Epsilon Delta
Wed Jul 23, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Taxable Accounts - Am I thinking about this the right wa

^I disagree 100% because folks were upset that the family in the ZERO taxes thread were not paying taxes during the decades while they were working. Here's the thread: http://www.bogleheads.org/forum/viewtopic.php?t=79510 And that thread got locked because people were so upset that the family didn'...
by Epsilon Delta
Wed Jul 23, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 28
Views: 2124

Re: Dumb 3rd grade math question about beach house rental

The 10/28 + 10/28 + 8/28 method would be equitable if your were splitting something physical where you were splitting 100% of the total. But it doesn't account for the unused part of the total. It would work if a 4th couple were just there for 2 nights - it would then agree with the other method, t...
by Epsilon Delta
Wed Jul 23, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2349

Re: Gold, Silver, Copper

Thank you. My expert is now unavailable for comment (a bit like Monty Python's parrot ;-)). So HVDC and HVAC cables are not copper? But the local distribution grid and domestic wiring are? Larger transmission lines are almost all Al composite. In the US Al is common for overhead distribution. I thi...
by Epsilon Delta
Wed Jul 23, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Gold, Silver, Copper

Renewable energy means big demands for grid infrastructure. Wind farms and solar farms tend to be in remote areas and they have to be hooked up to the grid, a major constraint. In the UK you add offshore wind. The future of power transmission is in long distance and international High Voltage DC li...
by Epsilon Delta
Wed Jul 23, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Taxable Accounts - Am I thinking about this the right wa

I don't quite understand why there is all the nuanced discussion. I think the details are distracting people. Just consider the second paragraph: +1 The zero tax in retirement threads basically amount to "After decades of tax mismanagement, during which you paid more taxes than you needed to, ...
by Epsilon Delta
Wed Jul 23, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 28
Views: 2124

Re: Best Used Recreational Bicycles for New Riders

I'm beginning to think that this kind of comparison is more misleading than helpful, mostly because people mentally map "Honda Civic" to the department store bike, and the BMW to a decent, but reasonably priced bike shop bike. It's better to think of the reasonably priced bike shop bike a...
by Epsilon Delta
Wed Jul 23, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 24
Views: 1514

Re: 35K maximum retirement contribution a year for a person?

anonforthis wrote:My rule of thumb is always max out everything. My husband is also max out his. Whatever left, we live on it even if means we have to do beans and rice every day.


My rule of thumb is never to let congress decide how I should allocate my money. :twisted:
by Epsilon Delta
Tue Jul 22, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1382

Re: Buying in ok neighborhood vs good neighborhood

No way I'm paying 620K (or 400K or zero K) to be 8 blocks from an area with Your words): Burglary and theft from motor vehicle Retail theft burglary to garage or apt Armed robbery Aggravated assault. At least I don't see murders on the list. But still. Are you kidding? In a city, I would be shocked...
by Epsilon Delta
Tue Jul 22, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1647

Re: Best Used Recreational Bicycles for New Riders

Your general mechanical competence and attitude towards mechanical things also factors in. If you won't be doing adjustments and repairs yourself picking an appropriate bike store first, before picking a bike, becomes more important. In my experience stores that cater to commuters and sell used bike...
by Epsilon Delta
Tue Jul 22, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 24
Views: 1514

Re: Caught in the IRS fraud mess

By far the best solution is quick investigation followed by prosecution of the guilty and restoration to the innocent. But congress does not want to allocate the resources to make it happen. Actually, the best solution would be to require employers to submit W2 info to the IRS before any returns ca...
by Epsilon Delta
Mon Jul 21, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5831

Re: Which kind of bike for recent retiree?

I was able to end the sore wrists and shoulders by losing weight (surprise, surprise) and working with the bike shop to adjust the handlebars to a height that finally felt right. Proper technique helps here too. Your wrists should be straight, not bent backwards. Let up the death grip on the bars. ...
by Epsilon Delta
Mon Jul 21, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2524

Re: Which kind of bike for recent retiree?

For the other aspects, I've a recent convert to regular pedals, after using clipless ones for a decade or so. A bike collector I ride with simply told me that most riders don't use the purported advantage of clipless pedals, to be able to pull on the upstroke, and I decided I'd had enough panicked ...
by Epsilon Delta
Mon Jul 21, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2524

Re: Caught in the IRS fraud mess

Issuing a PIN for every return received to be used the next year would limit the problem to a one-time-only experience for each taxpayer, but doing this would require the exercise of a minimum amount of intelligence, which appears to be more than the IRS can muster at present. - Bob Beeman. PINs an...
by Epsilon Delta
Mon Jul 21, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5831

Re: Exceptionally high marginal rates on students

Sometimes the filing requirement is set for odd corner cases that are hard to find. It's easier to set it low and handle some zero tax filings than to have a long list of exceptions in the filing requirements that replicate some of the more complex parts of tax law.
by Epsilon Delta
Mon Jul 21, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Exceptionally high marginal rates on MD, VA students
Replies: 30
Views: 2743

Re: Honda Fit, Civic

Thank you, Watty. I will be mostly driving on the East Coast. In the past, I had to take some unpaved roads to get to trailheads in Upstate New York. In retirement, I may also start going to the White Mountains. Perhaps, I should exclude Fit to be on the safe side. I've driven an 1990 Civic* on unp...
by Epsilon Delta
Sun Jul 20, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 3008

Re: Sprinklers for the bottom of a sloping lawn

Some of my sprinkler heads are in low spots, so any leakage puddles up round the head and then soaks into the lawn.

Can you adjust the contours round the sprinkler so that the after flow stays on the lawn?
by Epsilon Delta
Sat Jul 19, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Sprinklers for the bottom of a sloping lawn
Replies: 10
Views: 991

Re: Social Security Taxes?

South Carolina v. Baker

Since 1988 the tax exemptions on munis are statutory not constitutional.
by Epsilon Delta
Sat Jul 19, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2257

Re: Options/guidance for a lazy person to be fit

The weight where I feel fit and healthy is from 195 to 200 lbs. Family calls me skinny at that weight . Unless you're taller than 6'3" this is a problem. We tend to share the same habits of the people we hang around with. Ditching your family is probably off the table, so you're going to have ...
by Epsilon Delta
Fri Jul 18, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5142

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

One thing to note is whether a USB drive has a separate power supply or is powered through the USB port. A USB powered drive is only guaranteed about 2.5W and this is low for a drive. This means compromises are needed, often resulting in slow reads and writes. This was very noticable about 5 years a...
by Epsilon Delta
Fri Jul 18, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Re: Very high interest rate in other countries? How come?

To be exact, the relationship is called the Fisher equation after the economist, Irving Fisher 1+ real return = (1 + nominal return) / (1 + inflation) it can be approximated by expected real return = expected nominal return - expected inflation 1+ real return = (1 + nominal return) / (1 + inflation...
by Epsilon Delta
Fri Jul 18, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Very high interest rate in other countries? How come?
Replies: 44
Views: 3172

Re: CBS vs CBSO spinoff tender offer

I know people here don't like to believe it (I'm generally a boglehead), but those that participated in the CBS/CBSO Exchange offer received a mostly risk free 11-12% return in less than 2 weeks. Another reason why I don't believe in the strong form of the EMH, it might be there in general, but I t...
by Epsilon Delta
Thu Jul 17, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: CBS vs CBSO spinoff tender offer
Replies: 14
Views: 1113

Re: Purchasing Food at Work

I work in the emergency room as a RN at night (7p-7a) . This will be different than lunch on a 9-5 job. I've worked 4p-1a for some months. That messed with my meal schedule. I wanted my main meal at the 8p break -- my usual lunch of bagel or sandwich and fruit just didn't cut it, and since it was m...
by Epsilon Delta
Thu Jul 17, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3953

Re: "Stocks and shares," different things? "Peter Pan"

I agree that usage is confusing. I don't know what was common in 1900 (I'd have to look up David Kynaston's history of The City of London (ie of finance in London)-- 3 volumes-- to see if it says anything). BTW a senior (head of) government gilts broker at a bank used to have to wear a top hat and ...
by Epsilon Delta
Thu Jul 17, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2789

Re: Diminishing Returns of Fuel Efficiency

The thing about small cars now is that even the fuel efficient cars now have higher acceleration than 'muscle' cars back in 1980 (or at least your average V8 sedan then)-- the benchmark average has moved. Virtually all cars are more 'peppy' than they were then. (also due to aerodynamics they probab...
by Epsilon Delta
Thu Jul 17, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Diminishing Returns of Fuel Efficiency
Replies: 11
Views: 1422

Re: boglehead botanists...is this poison ivy?

reggiesimpson wrote:Harmless weed. I pull them all the time without reactions.


About 1 in 7 people can say the same about poison ivy. Allergic reactions can be quite idiosyncratic.
by Epsilon Delta
Thu Jul 17, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2440

Re: Snake!

Can you just put some window screen over the opening? I plan to but I need to see if I can get him out or at least make sure he is out before I cap that vent (and the drier vent as well). Have you considered using some sort of one-way trap door? Make your house Hotel-Ainrofilac until you're sure th...
by Epsilon Delta
Thu Jul 17, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 3952

Re: Insurance Inflation ?

There is a distinction between "increase in total medical costs" and "inflation". Improvements in quality and provision of services that were not previously available are not inflation, even if they increase costs. Measures of inflation take some effort to account for this, and u...
by Epsilon Delta
Wed Jul 16, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 804

Re: "Stocks and shares," different things? "Peter Pan"

That's interesting, but I can tell you that until the 1980s at least, that 'error' was common. 'UK Gilt Stock' is what Bloomberg calls the UK government bond market (top left hand corner of the basic UK gilt screen). So it may be incorrect but it was also widely used. What was incorrect in 1773 is ...
by Epsilon Delta
Wed Jul 16, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2789

Re: IRA to Roth then recharacterization

No. When you recharacterize the custodian (or in rare case somebody else) will calculate the earnings and move both the original amount and the earnings back to the traditional IRA. The calculations of earnings has some quirks, but they are not big enough to be systematically exploited.
by Epsilon Delta
Tue Jul 15, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: IRA to Roth then recharacterization
Replies: 2
Views: 456

Re: Zoning Issue in PA

The lot itself is zoned as commercial. The owner of the lot is trying to change this. He's cleared the land and intends to build a duplex, with built-in garages, in the lot. What's he allowed to build on this commercial lot without a zoning change? Would you rather have, say, a 7-11, dental office ...
by Epsilon Delta
Tue Jul 15, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Zoning Issue in PA
Replies: 5
Views: 737

Re: Elio Car

the video says its an ideal car for the teen with a new license. i disagree with that statement 100%. Absolutely. Young drivers especially male (testosterone) are far more likely to make mistakes. For example the stat I saw showed that most people killed on the roads are killed as a result of actio...
by Epsilon Delta
Tue Jul 15, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 37
Views: 3251

Re: When you envision efficient frontier, do you include bon

The theory behind the efficient frontier is a general theory. It works for any set of assets. You can use two dimensions of risk for stocks and bonds, 500 dimensions of risk for stocks in the S&P 500 individually, 530 if you throw in thirty different durations of treasury securities or about 43...
by Epsilon Delta
Tue Jul 15, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: When you envision efficient frontier, do you include bonds?
Replies: 15
Views: 1162

Re: Neighbor's ugly overgrown bushes and fence

1. Were my neighbor to call me an obnoxious [(removed) --admin LadyGeek] and request that I spend money for his convenience "surly" would about sum it up. 2. In some municipalities planting at least some types of bamboo is illegal. 3. If I lived in such an area and my neighbor (who is now ...
by Epsilon Delta
Tue Jul 15, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3196

Re: "Stocks and shares," different things? "Peter Pan"

The Shorter Oxford English Dictionary includes the follow under stock: When there is no specific indication s[tock] is usually taken to refer to those portions of the National Debt, the principle of which is not repayable, the government being pledged only to the payment of interest in perpetuity. T...
by Epsilon Delta
Mon Jul 14, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2789

Re: When you envision efficient frontier, do you include bon

The theory behind the efficient frontier is a general theory. It works for any set of assets. You can use two dimensions of risk for stocks and bonds, 500 dimensions of risk for stocks in the S&P 500 individually, 530 if you throw in thirty different durations of treasury securities or about 430...
by Epsilon Delta
Mon Jul 14, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: When you envision efficient frontier, do you include bonds?
Replies: 15
Views: 1162

Re: Cheapest Win7 image backup media solution?

How long do you need the backup to last? If you only need it for a month or two, and your bandwidth is adequate, renting cloud storage may be cheapest. You'll only paying for the months you use, not buying the hardware. * at least if you already have some sort of relationship with the provider so yo...
by Epsilon Delta
Sun Jul 13, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 559

Re: Ditch car and commute to work in 250cc scooter in Raleig

There's some good advice here. It made me think about how a lot of this reasoning also applies to riding a bicycle. You wouldn't ride a bicycle on an interstate or freeway but I think even the comments related to those roads would still apply since cycling typically involves being on roads where mu...
by Epsilon Delta
Sun Jul 13, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 69
Views: 4528

Re: Gold, Silver, Copper

That being said, gold is very useful for moving large amounts of money outside of the banking system. The only vehicles that are more dense are gems and art, but they are much less liquid. So IMO, there will always be a demand from that market. At $44/g, gold's a piker compared to €500 notes which ...
by Epsilon Delta
Sat Jul 12, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Ditch car and commute to work in 250cc scooter in Raleig

When I lived in Boston, I took the bus a lot since I didn't live directly on a subway line. It was cheap, efficient, and was shared by folks from all, or most, walks of life. While there's no bus line near me, I unfortunately look at the people using public transport around here and it seems only t...
by Epsilon Delta
Sat Jul 12, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 69
Views: 4528

Re: Have we really solved the crisis

If you must Google for "gloom and doom" set your browser to private mode first. That way you see what everybody else sees, instead of having the search results tailored to match what you've already read. Matching previous results can wedge you in amen corner with no dissenting opinions.
by Epsilon Delta
Sat Jul 12, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Have we really solved the crisis
Replies: 7
Views: 1445

Re: Car did not start: To dispose? How?

You could also get a "battery tender" if you are going to be leaving it for a while that will keep a trickle charge on the battery that will greatly extend it's life. If you don't drive a car for six weeks or a couple of months a few times a year you could just get a bigger battery. Look ...
by Epsilon Delta
Sat Jul 12, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5466

Re: Gold, Silver, Copper

Far be it for me to question Nisiprius Investments' sales pitch, but the rest of the world's charts aren't quite as dramatic. Is mongabay quoting in Zimbabwe Shekels? In Sept 2007 lead peaked at $2220/tonne which is pretty close to todays spot price of $2175/tonne http://www.indexmundi.com/commoditi...
by Epsilon Delta
Sat Jul 12, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 86
Views: 4571

Re: Repair or replace old Taurus?

What's the general condition of the car? If you live in the snow belt or on a coast you're probably going to have to start replacing random parts due to corrosion (suspension, exhaust, fuel and brake lines, ... ). These nibble your wallet a few hundred at a time. Any pending expenses could weight ag...
by Epsilon Delta
Fri Jul 11, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2715

Re: Light Bulb Durability

Your electricity varies in how much mercury is released: - if you live in Quebec, or British Columbia, or WA state, then practically none - they use hydro electric Well Hydro-Quebec has been accused of releasing mercury, due to weathering in the reservoirs. But more importantly if you don't use ele...
by Epsilon Delta
Wed Jul 09, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4409

Re: IRS limits direct deposts of refunds to fight Identity T

A PIN or password that is used once a year is not an answer to anything, except to the question "How do we create a customer service nightmare?" There's a PIN for the FAFSA and it's not that bad. FAFSA treats a PIN as a convenience feature, not a security feature. For FAFSA you need PIN O...
by Epsilon Delta
Wed Jul 09, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3298

Re: IRS limits direct deposts of refunds to fight Identity T

A PIN or password that is used once a year is not an answer to anything, except to the question "How do we create a customer service nightmare?"
by Epsilon Delta
Tue Jul 08, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3298
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