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Re: Central AC replacement decision

[quote="Valuethinker"] I am of the school that for mission critical equipment (my family lives on Lake Ontario, AC in summer is mission critical) like AC, Cars etc. you don't wait until they go wrong to replace. Is there another Lake Ontario somewhere down in the cotton belt? Or are you fr...
by Epsilon Delta
Fri Aug 01, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 40
Views: 1290

Re: Huff Post: How Financially Literate Is the Investing Pub

And the 4% they "lost" didn't go anywhere, because it never existed. That's like me saying, "Real estate in San Francisco is up 9% this year. But where I live, it's only up 5%. Who is getting the 4 points that I lost?" On the last point I don't think that analogy holds necessari...
by Epsilon Delta
Fri Aug 01, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 39
Views: 2534

Re: MOM faltering? [Momentum]

For example, say you are studying pricing anomalies in the bond market. You don't actually know of any yet, but you assume there must be some so you look through some historical data, say 1994-2014 in the US bond market. You went into this study blind , you had no theory and you just "mined&qu...
by Epsilon Delta
Fri Aug 01, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: MOM faltering? [Momentum]
Replies: 53
Views: 3255

Re: Gift Tax for opening an 529 account for youself

It says it's treated as a gift, clear as day. Now all we need is quintet of literalist justices. And what does the section on gift taxes say about gifts to yourself? Start at the beginning: As to any property, or part thereof or interest therein, of which the donor has so parted with dominion and c...
by Epsilon Delta
Fri Aug 01, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Gift Tax for opening an 529 account for youself
Replies: 12
Views: 817

Re: Prove adding SV will lower the risk, given the same E(r)

In the multi-factor world, even if every individual will choose a different combination of risk-free asset, market portfolio and the other factor portfolios (tilt), at the aggregate, the market portfolio at the aggregate will not include risk-free asset and other factor portfolios. As stated in ano...
by Epsilon Delta
Thu Jul 31, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 57
Views: 1819

Re: Gift Tax for opening an 529 account for youself

P.S. I am not an expert, but I think I am on pretty safe ground. If you look through the law and IRS publications, I doubt you will find the concept of a gift to yourself, at least I couldn't. But you did find it. You even quoted it. From 26 USC 529 (2) Gift tax treatment of contributions For purpo...
by Epsilon Delta
Thu Jul 31, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gift Tax for opening an 529 account for youself
Replies: 12
Views: 817

Re: How Much Did You Lose Today?

john94549 wrote:
ObliviousInvestor wrote:Need option for "don't know, probably not going to check." :)


Even the most Oblivious Investor peeks.


If you haven't set up some sort of portfolio tracking it's a lot of work to peek. So I don't peek. I just wait for the quarterly statement.
by Epsilon Delta
Thu Jul 31, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 128
Views: 6977

Re: Prove adding SV will lower the risk, given the same E(r)

The multi-factor theory does say some (not all) should tilt because stdev is not the only measure of risk. If you have multiple measures of risk but everybody makes the same trade off you get a situation where nobody tilts, even though tilted portfolios are on the efficient frontier. It's a degener...
by Epsilon Delta
Thu Jul 31, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 57
Views: 1819

Re: Prove adding SV will lower the risk, given the same E(r)

In addition, the theory doesn't say everyone should tilt. There's nothing wrong with being the average investor who holds the market portfolio, even in the multi-factor world. The theory doesn't say anybody should tilt. As you mention the trade off between risks is a personal choose. However choosi...
by Epsilon Delta
Thu Jul 31, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 57
Views: 1819

Re: MOM faltering? [Momentum]

epsilon out of sample data means looking at periods not tested when drawing your original conclusion. So with FF in 1992 when they were accused of data mining they went and got the data back to 1926. Then they got it from other markets, international and EM. And then they got post study data. That ...
by Epsilon Delta
Thu Jul 31, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: MOM faltering? [Momentum]
Replies: 53
Views: 3255

Re: Misleading information on tax loss harvesting wiki artic

Isn't tax loss harvesting risky because for the 31 days you spend out of the market you miss out on potential gains? Can I break the 31-day rule by buying up a different asset? For example, selling TSM investor shares to buy TSM admiral shares? Viewed abstractly the wash sale rules are about risk. ...
by Epsilon Delta
Thu Jul 31, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1333

Re: Is this a Vanguard quirk? [Adding beneficiaries to accou

We are traveling to South Africa in October for Safari so I was checking into those same issues (both of us dying at the same time). We have a fairly large, jointly owned, taxable, Vanguard Total Stock Market account. Vanguard told us the same thing. I have this account linked to my personal checki...
by Epsilon Delta
Thu Jul 31, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 3580

Re: Huff Post: How Financially Literate Is the Investing Pub

Samuel Clemens wrote:I was gratified to be able to answer promptly, and I did. I said I didn't know.


Do the ignorant but self aware get them all right if they choose the last answer to each question?
by Epsilon Delta
Thu Jul 31, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 39
Views: 2534

Re: MOM faltering? [Momentum]

How do people get "out of sample data"? They look at the historical records. Stuff gets into the historical record because people cared about it when it was contemporary. Since they cared about it they did what people do and fit patterns, they may not have had modern statistical techniques...
by Epsilon Delta
Thu Jul 31, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: MOM faltering? [Momentum]
Replies: 53
Views: 3255

Re: XIRR Performance Calc Vanguard

If capital gains, dividends are paid out to you (e.g. by check or direct deposit) they need to be considered as "money out". If they are reinvested they they can be ignored. If they show up as two opposite transactions on the same day (i.e. as a dividend paid and then a reinvestment) you s...
by Epsilon Delta
Wed Jul 30, 2014 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR Performance Calc Vanguard
Replies: 4
Views: 453

Re: Misleading information on tax loss harvesting wiki artic

Any accumulated carryover loss is also lost when you die, so selling before you die may not help. Better to just not die.
by Epsilon Delta
Wed Jul 30, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1333

Re: CSRS and SS, check my logic

A minor point but it's not just RMDs that interact with SS taxation. It applies to a lot of types of income, even muni-bond income. It can also influence when you tax capital gains. In the context of IRAs it applies to all taxable withdrawals including Roth conversions.
by Epsilon Delta
Wed Jul 30, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: CSRS and SS, check my logic
Replies: 26
Views: 1412

Re: Daily Telegraph: World War One Archive

It looks like you only get the first 10 articles free and then have to subscribe, or at least sign up for a free 30-day trial. I look at the Telegraph from time to time and when I tried to pull up the WW1 issue from July 29 it said I'd reached my monthly limit. It is a good paper and I've thought a...
by Epsilon Delta
Wed Jul 30, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 16
Views: 1239

Re: Advice on getting a power adapter

I'll second Professor Emeritus. AA batteries do not provide a well regulated voltage, so the device will usually run on anything close. You don't need a regulated supply. You will probably can run just fine on a 5V or even 4V supply. It probably doesn't really need 1A etc. I've run many similar devi...
by Epsilon Delta
Wed Jul 30, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 686

Re: Principal Residence = Poor Investment?

I know couples who have moved just to get the $500K capital gain tax-free. If they stayed and had a bigger gain, they would own taxes when they sold it. Talk about letting the tax tail wag the "investment" dog... If they somehow know they're going to have a total gain of say, $800K in a f...
by Epsilon Delta
Wed Jul 30, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 4346

Re: Dilemma: Get more fuel-efficient car now, or wait?

Have you considered upgrading the tech in the Lexus? Depending on what your wife uses it could be as simple as replacing the eight track :D with a <$200 satellite radio, blue tooth included, but no steering wheel controls :( . You'd be ahead after less than 5 months.
by Epsilon Delta
Wed Jul 30, 2014 2:27 am
 
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1226

Re: Feasibility of tax arbitrage?

Last I checked the Growth and Income indexes each had turnovers in the 25%-33% range. Much higher than the 4% of TSM and 10% of large cap Index. This is to be expected as the indexes are reconstituted. Sooner or later the higher turnover is likely to result in capital gain distributions which are a...
by Epsilon Delta
Wed Jul 30, 2014 2:05 am
 
Forum: Investing - Theory, News & General
Topic: Feasibility of tax arbitrage?
Replies: 10
Views: 861

Re: A third of Americans delinquent on debt, study says

I would say the real number is probably lower. Many collections are due to clerical errors. For example, I have some collections to a utility company. I know its bogus, they corrected it saying was a mistake on their part but they refuse to go to the credit agency to remove it and I really dont car...
by Epsilon Delta
Tue Jul 29, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2197

Re: A third of Americans delinquent on debt, study says

Heres the source: http://www.urban.org/UploadedPDF/413191-Delinquent-Debt-in-America.pdf A more literal headline would be "A third of records at credit bureaus are reported as being delinquent on debt". Some or all of the data will be explained by bad record keeping. For example 5. Nearly ...
by Epsilon Delta
Tue Jul 29, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2197

Re: Market not interested in inflation protection?

A market requires both buyers and sellers. It could be that nobody is interested in offering inflation protection that is remotely close to being fairly priced. For my part SS offers a good chunk of inflation (and longevity) protection. If I want to buy more I can delay until I'm 70. Last I checked ...
by Epsilon Delta
Tue Jul 29, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Market not interested in inflation protection?
Replies: 32
Views: 2129

Re: Cell phone control devices for teen drivers?

Also, from what I have read about them they are pretty tamper-proof. Well, the teen can easily tamper with the device or the app but you will KNOW it. Figuring out how to defeat the device so that it appears to still be functioning normally and is reporting back to the parent all the normal data wh...
by Epsilon Delta
Tue Jul 29, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1584

Re: Feasibility of tax arbitrage?

Last I checked the Growth and Income indexes each had turnovers in the 25%-33% range. Much higher than the 4% of TSM and 10% of large cap Index. This is to be expected as the indexes are reconstituted. Sooner or later the higher turnover is likely to result in capital gain distributions which are a ...
by Epsilon Delta
Tue Jul 29, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Feasibility of tax arbitrage?
Replies: 10
Views: 861

Re: state pension

Back to the OP. Is there a likelihood you will return to a position with the state system? If so it would be worth reviewing the rules for breaks in service. I know some teachers who are glad they left money with the state system. It meant they were grandfathered under favorable rules when they retu...
by Epsilon Delta
Mon Jul 28, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: state pension
Replies: 43
Views: 2619

Re: Cell phone control devices for teen drivers?

Sorry, but I disagree. What she needs to help her make safe choices is teaching, experience, and willpower. Simply relying on a device to accomplish the intended goal(s) seems misplaced, in my view. I disagree about the willpower. Technology or technique or habit is a perfectly good substitute, in ...
by Epsilon Delta
Mon Jul 28, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1584

Re: How to fix door handle?

Why spend money at Lowe's or HD if all you have to do is tighten a screw? I don't get it. Why post a message on an internet forum if all you have to do is tighten a screw? Because you don't know which screw.* Installing a new handle will also require tightening screws. A new handle will usually com...
by Epsilon Delta
Mon Jul 28, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 17
Views: 1024

Re: Daily Telegraph: World War One Archive

Yes, there was an amazing amount of detail in the news stories in those days. The articles are quite lengthy and written in a highly literate style. It's clearly written for an educated readership. Not simple and dumbed down like so many news articles you might read online today. UK newspapers have...
by Epsilon Delta
Mon Jul 28, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 16
Views: 1239

Re: dim leds?

The closer the tissue is to the LEDs the less it will blur the numbers. Try pressing the tissue tightly against the glass. If the LEDs are close to the glass they will be readable. If this works trim a strip of tissue to size so it fits inside the bezel and directly on the glass. The stiffer tissue ...
by Epsilon Delta
Mon Jul 28, 2014 2:07 am
 
Forum: Personal Consumer Issues
Topic: dim leds?
Replies: 5
Views: 731

Re: Surge protectors

Two things to add to nisiprius's other wise excellent post: #2. You need to find out what happened to the outlet. As others have noted, there are three possibilities: GFCI, circuit breaker, or fuse. The GFCI usually has two little buttons right in the outlet itself labelled TEST and RESET. Sockets c...
by Epsilon Delta
Sun Jul 27, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 2889

Re: Is tax deferment overvalued?

I have seen several posts recently on difficulties with tax-deferred retirement plans like an IRA or 401k. Problems such as having very large balances in a deferred plan like Mitt Romney, In the case of Mr. Romney you also need to consider when the money went in. If it was before 1986 he probably h...
by Epsilon Delta
Sun Jul 27, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is tax deferment overvalued?
Replies: 20
Views: 2445

Re: Public Speaking-help

Absent you dropping to the floor at the podium and doing the Curley shuffle,chances are nobody is going to remember your presentation 3 months later. If you can still engage 30% of the audience, 10 minutes into your presentation, you"ll be a huge success. Inject a little humor at the beginning...
by Epsilon Delta
Sun Jul 27, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 75
Views: 3908

Re: AMZN's magical status

Valuethinker wrote:They have big fixed assets. Warehouses, distribution equipment etc. Servers. I suspect that's a larger proportion of their assets than inventory (which they must turn pretty fast).

Does Amazon actually own any of this? It's not uncommon for everything to be leased.
by Epsilon Delta
Sun Jul 27, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: AMZN's magical status
Replies: 26
Views: 2763

Re: Redepositing unnecessary RMD's from 401K

There is no such thing as an excess RMD. A distribution is either an RMD or it's not. If it's not an RMD it's an ordinary distribution* and should be eligible for a rollover if it's done within 60 days of the distribution, subject to the once per year restrictions. * I suppose it could be a hardship...
by Epsilon Delta
Sat Jul 26, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Redepositing unnecessary RMD's from 401K
Replies: 5
Views: 840

Re: Young investor blending SUBH and Minimized Fat Tails?

metaphysik wrote:Summary

I've been a passive Target-Date investor for ten years, but I feel like I now have enough experience, confidence, and savings to branch out into more complicated investment strategies.


If you continue to gain experience the Target-Date fund will start to look good again.
by Epsilon Delta
Sat Jul 26, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 39
Views: 2307

Re: Mileage Reimbursement or Company Car?

Absolutely take the 45 cents a mile on your own car. You are making out like a bandit. The ac is going out? Get it fixed. Wouldn't you fix it anyways? The value of the car has to be very close to zero. That 45 cents is paying you for depreciation that you won't suffer. Another 200k miles on your ca...
by Epsilon Delta
Sat Jul 26, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Mileage Reimbursement or Company Car?
Replies: 17
Views: 638

Re: Experimenting with LibreOffice Calc [Importing fund pric

After I installed GetQuote in LibreOffice it started taking minutes to open a spreadsheet, even one that made no use of GetQuote. When I uninstalled GetQuote things went back to normal. I don't need the functionality of GetQuote enough to bother debugging.
by Epsilon Delta
Sat Jul 26, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 690

Re: No frontier efficient

What the figures shows is that there is no efficient frontier. Or rather, it is very inconsistent, and the optimal portfolio allocation can only be known in retrospect. The efficient frontier is simply the Pareto-optimal subset of the investment universe. Since the investment universe is finite the...
by Epsilon Delta
Sat Jul 26, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient frontier by decade
Replies: 39
Views: 18177

Re: Treasury Direct--just blowing off steam

It is also insane that more and more computer systems are putting more and more restrictions on the possibilities for entering a name, a plain old name. You'd think that in the era of "I14N" it would getting better, but it's actually getting worse! It is definitely worse today than it was...
by Epsilon Delta
Sat Jul 26, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4104

Re: Public Speaking-help

Cancel the presentation. If the presentation would actually have contained any useful information e-mail it. At least 30 of the 40 victims attendees will be pleased.
by Epsilon Delta
Sat Jul 26, 2014 12:57 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 75
Views: 3908

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 Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1345

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: 61
Views: 4702

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: 87
Views: 5016

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: 87
Views: 5016

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: 30
Views: 2736

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: 61
Views: 4702

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: 87
Views: 5016
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