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Re: GAO Concerned your IRA may be too big!

I continue to be concerned with the emphasis on size of IRAs without respect to the prohibited transaction rules and non-traditional assets. All 5 of the recommendations and and 2/3s of the matter are about prohibited transactions and non-public assets. So the emphasis of this report should not be ...
by Epsilon Delta
Thu Nov 20, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 16
Views: 1809

Re: Can Non-Tax Filers Contribute to IRA?

Is it even possible to not be required to file a tax return but to owe tax if you do file?
by Epsilon Delta
Thu Nov 20, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can Non-Tax Filers Contribute to IRA?
Replies: 9
Views: 779

Re: How much is saved by taking mass transit to work?

If I lost my license and had to take public transport, here's my commute: Bike 4 miles to commuter rail in Southborough, Ma. 1 hour ride to south station, Boston. T ride or bike to North station and take commuter line to Acton, Ma. Bike 4 miles to work. On a good day, 3 hours minimum each way and I...
by Epsilon Delta
Thu Nov 20, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 42
Views: 2544

Re: Light Bulb Question

Boy, I'd wish people would stop making assumptions about the needs of other people. The arrogance on this thread is infuriating. I am a tenant, I am leaving in 7 months. It makes no sense for me to pay a ton of money extra for an led light bulb that lasts 8 years. Maybe if you had mentioned that in...
by Epsilon Delta
Thu Nov 20, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 42
Views: 2535

Re: Light Bulb Question

I would suggest you just get some plain old incandescent lamps and enjoy how well they work and not have to deal with warm up time etc. of fluorescent lamps. I doubt you ever recoup your cost in 7 months anyway. But you might have to replace them within 7 months. Light bulbs used to be part of the ...
by Epsilon Delta
Thu Nov 20, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 42
Views: 2535

Re: How much is saved by taking mass transit to work?

If I lost my license and had to take public transport, here's my commute: Bike 4 miles to commuter rail in Southborough, Ma. 1 hour ride to south station, Boston. T ride or bike to North station and take commuter line to Acton, Ma. Bike 4 miles to work. On a good day, 3 hours minimum each way and I...
by Epsilon Delta
Thu Nov 20, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 42
Views: 2544

Re: Light Bulb Question

Incandescent bulbs, will, as I understand it, essentially be unobtainable in most countries quite shortly. They *can* be made to meet the energy efficiency regs but the technology advantage of LEDs is so large, that the manufacturers won't find it economic to make them. For a few years stockpiles w...
by Epsilon Delta
Thu Nov 20, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 42
Views: 2535

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Why anybody thinks that owning a piece of virtually every stock in the investment universe eludes me. This is not a strategy -- it is the total absence of a strategy. Forgive me JB. This doesn't quite parse, but it sounds like a lottery ad. For any game not playing the game is a strategy, and in al...
by Epsilon Delta
Wed Nov 19, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 72
Views: 5810

Re: Winter Coat

A lot depends on what you do. If I'm only outside for half an hour or so layering is inconvenient. I'd rather have a single thick coat I can don and doff quickly, and get crude temperature control with the zipper. If I'm outside all day I'll go with multiple layers and adjust as needed. Down. I avoi...
by Epsilon Delta
Tue Nov 18, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4235

Re: Gold And Silver As A Currency Hedge?

I think [silver] actually has more industrial uses than gold. But I am not 100% sure. Gold has many useful properties but few irreplaceable ones. Industrial uses are limited by cost. Gold plated electrical contacts are one example. Many of our products have a version for use in harsh environments. ...
by Epsilon Delta
Tue Nov 18, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8757

Re: Landlord wants us to sign an entirely new contract!

Have you ever leased an apartment? Did you have a discussion and conversations before even talking about paperwork and signatures? Or did you just ask for the lease and sign it? When I lease an apartment I ask for the lease, read it, negotiate the objectionable parts and sign the amended lease. Pri...
by Epsilon Delta
Tue Nov 18, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5777

Re: 75w LED bulb in a 60w socket?

I put a pair of LED's on my garage door opener, and the remote control refused to work. I replaced the two LED's with one bulb of a different brand, and all seems to be fine. One bulb seems to be enough. Many incandescent fixtures used two bulbs for redundancy, even though it is more efficient (and...
by Epsilon Delta
Mon Nov 17, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1960

Re: No more year-end paper statement option?

Leeraar wrote:My paranoia does not extend that far, and it is not for me to assure you.

Indeed it is not. But this is, after all, a straightforward factual question and somebody knows, it was possible it was you. :sharebeer
by Epsilon Delta
Mon Nov 17, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2166

Re: a look at gold and its hedging value

Nice post, Larry. Gold is a hedge against fear. People buy it if they feel instability is coming. Like during the post 9/11 to 2008 period. Political, economic, and social fear. Why you might ask? Because you can transport a large amount of value in a limited space than can be exchanged anywhere. 1...
by Epsilon Delta
Mon Nov 17, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3150

Re: No more year-end paper statement option?

I would not trust anyone to recalculate based on old data bases. That said, Vanguard stores PDF images of your statements. L. How do you know that? Is there a third party digital timestamp? Are you part of Vanguards IT? Do you have an unambiguous statement that they actually store a pdf? Just becau...
by Epsilon Delta
Mon Nov 17, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2166

Re: car sensor showing TPMS sign

Keep in mind that TPMS sensors have a relatively high thermal sensitivity, so given how cold most of the country has been the past week, it could be from the difference in temperature. In most cars equipped with TPMS, you can narrow down the issue by first driving around for awhile (think like 15is...
by Epsilon Delta
Mon Nov 17, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 1655

Re: Landlord wants us to sign an entirely new contract!

dbr wrote:In any case creating bad blood between tenants and landlords is a lose-lose game that both parties will regret.

That ship has already sailed. The landlord has already created the bad blood. The question is how the tenant deals with it.
by Epsilon Delta
Mon Nov 17, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5777

Re: Gold And Silver As A Currency Hedge?

LongerPrimer wrote:Have anyone held 10- 20- 30 oz of 24k gold?
For some reason it mass seems some much heavier than its actual weight.

It's a troy oz. So it is 10% heavier.

If more people read the Aeneid, they wouldn't trust Trojan things. Although the horse was really Greek.
by Epsilon Delta
Mon Nov 17, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8757

Re: No more year-end paper statement option?

Why do you need copies? They should be available from Vanguard etc. for as long as you might need them. Apologies to Leeraar for taking this a little out of context, but I think the literal question deserves an answer. Trust but verify. I've saved several thousand dollars a couple of times because ...
by Epsilon Delta
Mon Nov 17, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2166

Re: a look at gold and its hedging value

Epislon Not exactly right. There was open market but US government was able to hold price down, eventually the trade deficit and inflation led to outflows and they no longer could hold it, as gold was flowing out at rapid pace. So they abandoned it.Clearly gold would have been MUCH higher by 1971 t...
by Epsilon Delta
Sat Nov 15, 2014 12:35 am
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3150

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home ad...
by Epsilon Delta
Fri Nov 14, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1093

Re: a look at gold and its hedging value

epsilon US citizens were in fact not allowed to own gold. The United States Gold Reserve Act of January 30, 1934 required that all gold and gold certificates held by the Federal Reserve be surrendered and vested in the sole title of the United States Department of the Treasury. It also fixed the pr...
by Epsilon Delta
Fri Nov 14, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3150

Re: a look at gold and its hedging value

Here's what I meant The price of gold would not have been say $35 in 1971 if it was freely convertible for the prior 40 years or so. It would have been much higher. How much higher I don't know. And that's the problem. You are looking at an artificially low price as the starting point. Clearly gold...
by Epsilon Delta
Fri Nov 14, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3150

Re: Question about Vanguard total stock market

Dividends aren't free money. ...since we are less than 60 days out, they won't be qualified... The holding period for qualify the dividends is 61 days in a 121 day window centered on the ex-dividend date. Buy and hold is always enough to satisfy the holding period. If you buy now you'll satisfy the...
by Epsilon Delta
Fri Nov 14, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard total stock market
Replies: 8
Views: 1219

Re: Non-US citizen with Interactive Brokers: Estate Tax risk

I recently opened a trading account with Interactive Brokers (IB). The account is domiciled in the US. And lastly, I have a very stupid question: why on earth would this account be subject to US Estate Tax? The account is domiciled in the US. It's subject to US law. In many ways this is a good thin...
by Epsilon Delta
Fri Nov 14, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 40
Views: 2088

Re: Dealing with pressure for "social donations" at work

I also think it's interesting that several people feel like extortion is somehow less bad based on salary amount. It may not be the salary as such, rather than the control of the work environment that is assumed to go with it. Consider waiters sharing tips with the bus boys. Or a feudal system wher...
by Epsilon Delta
Fri Nov 14, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 163
Views: 7650

Re: Is buying organic worth it financially in the long term?

As I said, there's a pretty good chance that the power of prevention eclipses our current understanding. If (if) that turns out to be true over the next fifty years, a lot of people may have left a lot on the table in their idle pursuit of moderation. And lots of people will have left a lot on the ...
by Epsilon Delta
Fri Nov 14, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5359

Re: Parents can be forced to pay college tuition in NJ?

Does anybody who's actually read the case care to comment? The ruling was almost certainly much narrower than "Parents must pay college tuition in NJ". The ruling may or may not be reasonable in the circumstances, but the press reports are almost certainly neither reasonable nor ethical.
by Epsilon Delta
Fri Nov 14, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Parents can be forced to pay college tuition in NJ?
Replies: 31
Views: 1858

Re: a look at gold and its hedging value

Larry - one period that is often mentioned is the 1970s when there was high inflation and gold soared in price. Did the authors include this period in their research, and what did they have to say about the apparent link between rising high inflation and gold during that time? Remember that Richard...
by Epsilon Delta
Fri Nov 14, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 3150

Re: Not qualified for my job - what to do?

For some more context : I was hired quickly with almost no questions asked. I didn't even really know what I'd be doing. I learned on my first day that the GM who hired me had left. A new GM who didn't know anything about technology came in. I report to him and have not received any real feedback o...
by Epsilon Delta
Fri Nov 14, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4676

Re: Is Boglehead investing becoming the conventional wisdom?

At some point passive investing could become so prevalant that stock prices no longer respond properly to market conditions and the EMH breaks down. This pulls the rug from under the Boglehead philosophy. In the long term this is no problem because it would permit active managers to outperform pass...
by Epsilon Delta
Fri Nov 14, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 2989

Re: Not qualified for my job - what to do?

Has your boss communicated that your performance is unsatisfactory? It's possibly that your perceptions are wrong -- That you're doing enough, possibly more than enough, even if you're not doing every thing you think you should be doing. I've had jobs were I felt that way for years on end, but I kep...
by Epsilon Delta
Fri Nov 14, 2014 1:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4676

Re: Gold As A Currency Hedge

I got less interested when I found that global gold stocks are less than 1 ounce per person in the world. The whole idea of a global gold-backed currency seems kinda farcical when you realize that, unless we priced gold 20-50x higher than it has ever been before. IOW, gold << global GDP That is not...
by Epsilon Delta
Thu Nov 13, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8757

Re: Beginner want to keep retirement investing easy and simp

To keep things simple, should I just put the extra for investment into my Vanguard Brokerage account and auto-invest in VTSMX (Vanguard Total Stock Market Index Fund)? Am not interest in doing constant trading to chase performance. You could do a lot worse. It may also depend on how much you are in...
by Epsilon Delta
Thu Nov 13, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner want to keep retirement investing easy and simple
Replies: 3
Views: 434

Re: Is buying organic worth it financially in the long term?

People were not "made" to eat agricultural produce at all; agriculture is not "natural" and nor are the selectively bred plant species we use for it. The paelo movement is the more consistent application of these principles - for which, again, there is no evidence of health bene...
by Epsilon Delta
Thu Nov 13, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5359

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

"Take your risk on the equity side" assumes that all risks are the same. If the risks are different (the correlation is not 1) you should take some of each. If you believe in the efficient market hypothesis then absent special conditions you should take the market amount of each.
by Epsilon Delta
Thu Nov 13, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3577

Re: Is buying organic worth it financially in the long term?

As for studies or other evidence about the health benefits of organic, I doubt any exist. There have been other threads on this very topic and it usually devolves into there is no evidence that organic is any better than cheap, "safe" food. I expect this one will too. Why is it devolved t...
by Epsilon Delta
Thu Nov 13, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5359

Re: Gold And Silver As A Currency Hedge

The price of commodities depends largely on technology and is not predictable over long time scales. True, oil was a useless mess when it was only a tar pit but gold has been valuable from before recorded history. 120 years ago someone burred a few bags containing $30,000 in gold coins. Not many th...
by Epsilon Delta
Thu Nov 13, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8757

Re: Gold And Silver As A Currency Hedge

In the long run, decades, you will keep up with inflation holding any commodity. How many more decades do we have to wait for the aluminum stashed on the top of the Washington monument to show a positive nominal return, let alone keep up with inflation? The price of commodities depends largely on t...
by Epsilon Delta
Wed Nov 12, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8757

Re: Why would a European bother holding bonds in this climat

To illustrate the difference between YtM and dividend yield with an extreme example, consider this Treasury you can buy right now: Maturity Coupon Price Yield 11/15/2016 7.500 113.7656 0.587 This will pay you 7.25% for another couple of years. In complete safety. A couple of quibbles: Dividend yiel...
by Epsilon Delta
Wed Nov 12, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a European bother holding bonds in this climate?
Replies: 18
Views: 1493

Re: Your favorite classic toys for kids

Meccano is interesting. .... It was always much more popular in the EU than the US I believe. ... http://www.meccano.com/ Erector Set in the US and Meccano in Europe are very similar. Parts have always been interchangeable. Nowadays Meccano owns Erector set so they are actually the same thing -- th...
by Epsilon Delta
Wed Nov 12, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3775

Re: Your favorite classic toys for kids

Crow Hunter wrote:#2 - Plastic toy soldiers/farm animals/dinosaurs/knights (often played with in item #1)

Before there were plastic figures there were cast lead figures.

Some of these were home made.

Try that today.
by Epsilon Delta
Wed Nov 12, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3775

Re: TWO home internet connections with two ISPs

If you have two ISPs you will want to pay attention to which one you are connecting to on each computer. Otherwise you may attribute problems or goodness to the wrong ISP, get a bad evaluation and a surprise when you drop service from the wrong one. With a wired connection this is usually not hard, ...
by Epsilon Delta
Wed Nov 12, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1123

Re: Your favorite classic toys for kids

Nisiprius, No, they are not made any longer. My staff at my last job before retirement bought one off the internet and it was exactly like the one I had as a young child of about seven. Same exact color of light green and in its original box although the bottom portion of the box was damaged. I rem...
by Epsilon Delta
Tue Nov 11, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3775

Re: Your favorite classic toys for kids

Rubik's Cube.

Let them learn group theory.
by Epsilon Delta
Tue Nov 11, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3775

Re: Tax Withholding assistance

The W-4 calculations assume that you and your wife are employed for the whole year. This does not describe 2014. You may find the W-4 calculation leaves you somewhat over withheld for 2014. But don't take a refund from your 2014 tax return as a compelling reason to change your withholding in 2015, w...
by Epsilon Delta
Tue Nov 11, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding assistance
Replies: 4
Views: 295

Re: astonishing performance of US markets vs others

Momentum is a real thing. But it can't persist forever--otherwise the valuations of the U.S. market (in this particular instance) would become arbitrarily high relative to the rest of the world, with no underlying economic support. Momentum is a vector thing. And it can persist forever, until it en...
by Epsilon Delta
Tue Nov 11, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4736

Re: astonishing performance of US markets vs others

Momentum is a real thing. But it can't persist forever--otherwise the valuations of the U.S. market (in this particular instance) would become arbitrarily high relative to the rest of the world, with no underlying economic support. Momentum is a vector thing. And it can persist forever, until it en...
by Epsilon Delta
Tue Nov 11, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4736

Re: Road Tolls, and Rental Cars

Your account suggests that the autopay systems take a picture of every car's license plate, and then attempt to match up transponder to license plate. Why would they do that for every transaction? There are different tolls for different classes of vehicles. Verifying the license plates will help en...
by Epsilon Delta
Tue Nov 11, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 20
Views: 1001

Re: New car purchase- "documentation fee" and "registration

"Out-The-Door" will only be a useful term until the dealer figures out how to charge a fee after you are out the door. It won't be long, then we're on to the next transitory phrase for what should simply be called the "price".
by Epsilon Delta
Tue Nov 11, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2478
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