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Re: The random stock portfolio bogey - beating the monkey

With the cap weighted TSM we get to ask the question "What happens when everybody does it?"
With the monkey portfolio we get to ask the question "What if 0.1% of people do it?"

Hint: there's not enough Dress Barn to go around.
by Epsilon Delta
Fri Mar 27, 2015 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: The random stock portfolio bogey - beating the monkey
Replies: 30
Views: 1672

Re: My evil plan backfired

It shouldn't take too long to either prove to him that indexing is the better approach, or for you to learn that your husband is an expert stock-picker! What's the t-stat on that? Long answer, it will most likely take longer than your life span to get anything close to "proof" in either d...
by Epsilon Delta
Fri Mar 27, 2015 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 52
Views: 5822

Re: Completed taxes, need to file new Fed & State W4

She has been filing single 4 for both Fed and CA, and I have been single 0 for both. For next year, TT is showing that I should change my W4 to married 2, and my wife should stay at single 4. It depends on how relaxed you want to be about this. I'm a satisfier rather than an optimizer -- close enou...
by Epsilon Delta
Fri Mar 27, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Completed taxes, need to file new Fed & State W4
Replies: 10
Views: 579

Re: Tesla S

1. Having owned an electric motorcycle from a company that later went bankrupt, I can tell you there's nothing like having a lot of money sunk in a vehicle you can't get service for. Especially when the battery dies (as mine did). Hopefully a better fate awaits Tesla but you never know. ... 5. ... ...
by Epsilon Delta
Fri Mar 27, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78055

Re: Improving English Language Proficiency- Please suggest B

But I still don't understand how the style books suggested here, The Elements of Style in particular, are political; knowing might help the OP make good choices. When I say political I don't mean just party political or nation state politics. We also have office politics and identity politics of va...
by Epsilon Delta
Thu Mar 26, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2161

Re: My evil plan backfired

Never buy individual stocks. There are only two things that can happen. The bad one is you lose money. The worse one is you think you're a genius.

(That's not original, but it's too badly mangled for Google to help with the attribution).
by Epsilon Delta
Thu Mar 26, 2015 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 52
Views: 5822

Re: Converted to Roth TSP and my taxes doubled!!

I'm going to a combat tax free zone in July, so I thought I'd get an early start on my Roth contributions since I plan on putting as much money as I can in over there because of the tax free in and tax free out. I am in the 15% tax bracket. I just started stopped the traditional last month which I ...
by Epsilon Delta
Thu Mar 26, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted to Roth TSP and my taxes doubled!!
Replies: 15
Views: 1266

Re: Receiving inheritance [incl. properties,] working on a p

I would much rather sell the properties and invest in a small business of our own. I don't care for the rental headaches. The rentals are a small business of your own. All small business come with headaches. If you don't like the headaches of rentals you should look long and hard at any other small...
by Epsilon Delta
Thu Mar 26, 2015 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving inheritance [incl. properties,] working on a plan
Replies: 15
Views: 1909

Re: Ad Valorem tax on new car

If you do not have the receipts there is a method that uses a general table that considers your income, exemptions, zip code to come up with sales tax amount. It's worth pointing out that you are allowed to add the sales tax on certain big ticket items (including cars) to the general table number. ...
by Epsilon Delta
Thu Mar 26, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 845

Re: Improving English Language Proficiency- Please suggest B

There's a lot of interesting stuff in Google's ngrams. One of my favorites is that numbers are getting bigger: thousand,million,billion You get similar results in other languages; and it even shows up in English with the Indian lahk and crore. I've earlier mentioned that grammar and dialects are mor...
by Epsilon Delta
Thu Mar 26, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2161

Re: Improving English Language Proficiency- Please suggest B

Actually, English has changed dramatically over the centuries already. That doesn't mean that a well-educated person ignores current spelling and grammar; to do so makes them seem ignorant. Well call me ignorant, but I refuse to abide by a select few of the spelling changes that Noah Webster manage...
by Epsilon Delta
Thu Mar 26, 2015 1:31 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2161

Re: How should we split money between spouses' IRAs?

Under current law there are no required distributions from a Roth IRA until the owner dies. And of course an IRA of any type that is inherited by a spouse can be treated as the IRA of the inheriting spouse, so there need be no required distributions from a Roth until both spouses are dead. Give thes...
by Epsilon Delta
Wed Mar 25, 2015 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should we split money between spouses' IRAs?
Replies: 7
Views: 814

Re: non-compete question

I sincerely doubt that people often get together and talk about a third-party person. Especially not to talk about some random schmuck who changed jobs. I think you underestimate the power of gossip. People do get together and talk about third-parties. They also get together and mention everybody t...
by Epsilon Delta
Wed Mar 25, 2015 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete question
Replies: 23
Views: 2050

Re: Any situations car leasing makes sense?

The bottom line is this: I rent a Mercedes that is always less than 3 years old for $20 a day. I think that's a pretty good deal. But not as good as the $7/day on a Nissan Leaf lease, and that's with $0 fuel cost too since I charge from my properly-sized solar array and have no electricity bill for...
by Epsilon Delta
Wed Mar 25, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 4946

Re: Building a new house. Any recommendations?

IMHO you can easily get carried away putting in things for "future use". Generally I'd only do things that I don't plan to use if they are much cheaper to do during the initial build than as a retrofit. Universal design passes this test. Wider doors, corridors, and bathrooms affect the flo...
by Epsilon Delta
Wed Mar 25, 2015 9:19 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 40
Views: 2889

Re: NRA [Nonresident Alien] investing for the average Joe

I don't think the concept of "average NRA" makes sense. A NRA should consult the laws, literature and investment fora from his home country. The modal NRA is, after all, Chinese, follow closely by Indians and a few odds and ends. Having said that the best Irish funds (and custodians) are p...
by Epsilon Delta
Tue Mar 24, 2015 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: NRA [Nonresident Alien] investing for the average Joe
Replies: 11
Views: 1226

Re: Improving English Language Proficiency- Please suggest B

There are at least three types of books that cover the subject matter. 1. Text books that you are supposed to work through more or less in their entirety. These usually claim to be comprehensive. 2. Reference books for looking up particular problems as they come up. These usually aim to be comprehen...
by Epsilon Delta
Tue Mar 24, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2161

Re: Improving English Language Proficiency- Please suggest B

In my opinion: Your writing is sufficiently good that you won't improve from simply studying style or grammar books. English usage is not prescriptive and there is wide variety of correct grammar. Your reading time is best spent reading as widely as you can. This includes classics like Austen and He...
by Epsilon Delta
Mon Mar 23, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2161

Re: Removing currency when evaluating returns?

But. Here's the part I don't get. If I ask for the amount of outperformance, VTSMX over VEURX, for the Euro investor I think the right way to do it is 12885/10679 = 1.2066 = + 20.7%. For the dollar investor, it is 11286/9354 = 20.7%. (If you carry it to more places they're identical except for roun...
by Epsilon Delta
Mon Mar 23, 2015 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Removing currency when evaluating returns?
Replies: 7
Views: 603

Re: Account internet security

. . . Daily checks are also a security risk in themselves, since they almost beg for insecure handling of passwords. In any case daily checks do not add security over checking monthly statements. In either case they catch failures after they happen and in either case, barring egregious behavior of ...
by Epsilon Delta
Sun Mar 22, 2015 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1482

Re: Account internet security

Check your Vanguard account daily to make sure there are no unexpected transactions or alterations to your personal information. This is ridiculous. No, it's not. I do it. You may think I'm a paranoid nut case, but frequent eyeballing of your accounts is an extremely robust security measure. It req...
by Epsilon Delta
Sun Mar 22, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1482

Re: Account internet security

Ken Schwartz wrote:Check your Vanguard account daily to make sure there are no unexpected transactions or alterations to your personal information.

This is ridiculous.
by Epsilon Delta
Sun Mar 22, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1482

Re: New windows for a new house.

I understood (could be wrong) that the key issue with cold windows is that the air in the room creates convection cycles against them -- air hits the windows and sinks, creating the feeling of a cold draft in the room? That's an issue but the main issue is that for a human body heat loss (or gain) ...
by Epsilon Delta
Sun Mar 22, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: Need advice on Windows for a New House in New England
Replies: 5
Views: 698

Re: IRS question (post office lost my taxes)

Your best bet at this point would be to file an extension. This would be a preventive measure, ensuring that the return is not considred late-filed even if it shows up after Apr 15. He's got proof of timely mailing (Certified mail) -- the return won't be considered late. Doesn't matter if the IRS g...
by Epsilon Delta
Fri Mar 20, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS question (post office lost my taxes)
Replies: 7
Views: 1265

Re: New vs used cars

But the model above indicated keeping the used card for the same period of time. No it didn't. $23,615.28 / 10 = $2,361.53 $16,701.12 / 7 = $2,385.87 I think more of an issue is that the time scale used in the OP is life of the car, not life of the car with you as the owner. If you buy a new car in...
by Epsilon Delta
Fri Mar 20, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2610

Re: IRS 1099-V Tax Payment Location

The addresses for IRS correspondence have changed repeatedly over the last 5-10 years. As I understand it this is due to electronic filing reducing the amount of mail they have to handle, so several mail handling locations have been closed or given new purposes. Andover, MA will be particularly miss...
by Epsilon Delta
Fri Mar 20, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: IRS 1099-V Tax Payment Location
Replies: 1
Views: 253

Re: New washing machine won't fit down basement steps.

I suspect dropping the stair case is the lesser of evils. In many cases basement stairs are relatively loosely attached. It may be a question of cutting a dozen or so nails. If you do this consider using bolts rather than nails when you put it back up. There are washing machines that will fit throug...
by Epsilon Delta
Fri Mar 20, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2809

Re: New vs used cars

You're assuming a 10 year old Prius has zero value. You're also assuming a 15 year old Prius has zero value. The obvious tactic is to buy a 10 year old Prius and run it for five years, for a net cost of zero. Not really. I'm just assuming that a 10 year old prius has the same value whether you boug...
by Epsilon Delta
Fri Mar 20, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2610

Re: New vs used cars

DaftInvestor wrote:But the model above indicated keeping the used card for the same period of time.


No it didn't.

$23,615.28 / 10 = $2,361.53
$16,701.12 / 7 = $2,385.87
by Epsilon Delta
Fri Mar 20, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2610

Re: New vs used cars

Year __________2015___________2013 _______2012 Cost __________$21,866.00____$16,577.00 _$15,464.00 Cost w/ tax____$23,615.28____$17,903.16 _$16,701.12 Per year (10 yr) $2,361.53_____$2,237.90 __$2,385.87 Per year (15 yr) $1,574.35 _____$1,377.17 __$1,391.76 10 yr vs new____0_____________$123.63____...
by Epsilon Delta
Fri Mar 20, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: New vs used cars
Replies: 39
Views: 2610

Re: Tankless Hot Water Heaters

Side note: If I ever build a house, it is going to have a centrally located HWH and a manifold setup for the HW so the HW lines are as short and small as possible. Or maybe not, as the mechanical room noise & combustion might be better located on the periphery ... The floor plan of the house al...
by Epsilon Delta
Fri Mar 20, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Tankless Hot Water Heaters
Replies: 29
Views: 2487

Re: Billed for road maintenance by home developer?

Did you have a lawyer when you purchased the house? This might be a place to start if you need to know if you have any obligations to the builder. In some places the lawyers errors & omissions policy would be relevant in the unlikely event of you having obligations to the builder that were not d...
by Epsilon Delta
Fri Mar 20, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Billed for road maintenance by home developer?
Replies: 17
Views: 1858

Re: Setting up Roth for clueless sibling

You're over thinking this. Printout the account application. Sit down with your sister. Fill out the form and answer any questions she has. Write check on your account, or have sister write one on her account*. Make copy (or two) for her (and possibly your records if she's a scatter brain). Mail. * ...
by Epsilon Delta
Fri Mar 20, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Setting up Roth for clueless sibling
Replies: 25
Views: 1161

Re: Why Funds Over ETFs?

sawhorse wrote:You can claim gambling losses in taxes too. I never figured out how the IRS verifies that.

They ask the taxpayer for the receipts. In this as in many other things the burden of proof is on the tax payer, who is supposed to keep credible records.
by Epsilon Delta
Fri Mar 20, 2015 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5272

Re: Children's Swingset

I think you will find that almost all metal swing sets are steel.
by Epsilon Delta
Thu Mar 19, 2015 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2554

Re: Tesla Motors Stock

Energy density at an acceptable price.... Really the only thing that matters. Everything else is just packaging. Which is why uranium is the preferred power source for cars. There's a bunch of trade offs. Cost, energy density, power density, divisibility, charge rates, heat management, number of cy...
by Epsilon Delta
Wed Mar 18, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 253
Views: 23030

Re: Laptop: Windows based vs. Apple

Well, Porsche is owned by Volkswagen responsible for plebeian Jettas and Passats. Remember when people used to say "blank" is the Cadillac of all "blank". Are Macbooks the Cadillac of all laptops? I thought people said Mercedes or Rolls Royce, not Cadillac. As Alfred E. Neuman o...
by Epsilon Delta
Tue Mar 17, 2015 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5647

Re: Laptop: Windows based vs. Apple

mmmodem wrote:Apple is the luxury vehicle and Windows is the economy car.


Not really. Apple is like Porsche, which only makes luxury cars. Windows is like GM, which makes all types of car, including the occasional darn fine Cadillac.
by Epsilon Delta
Tue Mar 17, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5647

Re: Do you still use currency or have you gone all-plastic?

This is not a dichotomy. (Waiting for the Canadians and Australians to chime in.)
by Epsilon Delta
Tue Mar 17, 2015 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3191

Re: Worried about my condo association board of directors

I did three years of BOD in my condo and it is a totally thankless job. Mostly, although I always try. During a recent extraordinary snowfall I made sure to thank our HOA president for dealing with the idiot neighbors while trying to rent dump trucks and high lifters. I also shoveled out his furnac...
by Epsilon Delta
Tue Mar 17, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Worried about my condo association board of directors
Replies: 12
Views: 1360

Re: What internet speed is fast enough?

But a single speed test doesn't reveal the whole story. Any ISP can provide a burst of speed for a single short interval test. The trick is to be able to maintain that speed consistently. From the ISP point of view the trick is to identify the speed tests and expedite that traffic. Maybe that's too...
by Epsilon Delta
Tue Mar 17, 2015 10:02 am
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4389

Re: One Level or Two Level House

1. Two story house: Living, dining, Kitchen, Master bed & bath and office area on main entrance level, with 2 guest rooms and a guest bath on the upper level Unless those are really large guest rooms that's not a true two story house, it will only have a partial second floor. Or it's a Cape Cod...
by Epsilon Delta
Tue Mar 17, 2015 9:55 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5560

Re: Backdoor Roth in depreciated traditional IRA

No, the spouse who was covered has a lower limit than the spouse who was not covered. You were covered in 2014. You're allowed full deduction if MAGI < 96K. No deduction if MAGI > 116K. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/2014-IRA-Contribution-and-Deduction-Limits-Effect-...
by Epsilon Delta
Mon Mar 16, 2015 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in depreciated traditional IRA
Replies: 51
Views: 2711

Re: What internet speed is fast enough?

The upload consumes all of the measly 0.5Mbps upstream bandwidth which also clogs up the downstream performance. It really slows it down and response times brings you back to the days of dial up. You should have seen my wife the first time I activated iTunes Match which can upload many gigs. It tak...
by Epsilon Delta
Mon Mar 16, 2015 11:47 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4389

Re: I made a mistake with an IRA contribution

From memory, so please verify. If your wife is over 59.5 there is no penalty to taking a corrective distribution before April 15th. You do have to take the earnings associated with the excess contribution and these will be taxable in the year the distribution was made (2015) not the year the excess ...
by Epsilon Delta
Mon Mar 16, 2015 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: I made a mistake with an IRA contribution
Replies: 7
Views: 756

Re: Recharacterize Roth IRA contribution to reduce phase-out

[*]We've also maxed out 2015 contributions. I won't know if it'll help phaseouts in 2015 so should I keep 2015 as Roth until I can do the same comparison?[/list] Leave this years contribution until you are ready to file your 2015 return in 2016. You only get one recharacterization. If you recharact...
by Epsilon Delta
Mon Mar 16, 2015 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recharacterize Roth IRA contribution to reduce phase-outs
Replies: 2
Views: 306

Re: One Level or Two Level House

1. Two story house: Living, dining, Kitchen, Master bed & bath and office area on main entrance level, with 2 guest rooms and a guest bath on the upper level Unless those are really large guest rooms that's not a true two story house, it will only have a partial second floor. The cheapest house...
by Epsilon Delta
Mon Mar 16, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5560

Re: Laptop: Windows based vs. Apple

I'm essentially a Windows fan but the one thing I have observed over many years is that it's not unusual to hear a Windows user curse their computer but I don't think I've ever heard an Apple person curse their device. There's that. But it doesn't mean Apples don't have curse worthy problems, it ju...
by Epsilon Delta
Mon Mar 16, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5647

Re: maximum social security benefit

I would treat this the same way I treat people talking about the size of the fish they caught or the greatness of their children.

However one possibility not yet ruled out is that she moonlighted for many years. Compensation from a second job or self employment is added to primary income.
by Epsilon Delta
Mon Mar 16, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: maximum social security benefit
Replies: 17
Views: 1893
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