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555 wrote:According to one of the mods
viewtopic.php?f=3&t=6&p=1234798&hilit=codecogs#p1234798
we're not allowed to use that.

Oh, that's unfortunate. Thanks for pointing that out. I removed the image from my post.

555 wrote:
Bungo wrote:"I will look forward to pretty 3d pictures from nisiprius!"

I will look forward to pretty 4d pictures to show

[\sum_{k=1}^{n} k]^2=\sum_{k=1}^{n} k^3

or longhand

[1+2+3+...+n]^2=[1^3+2^3+3^3+...+n^3]

Test
[removed image]

Here's another one to play with: Show Sum(n=1,N) n^3=(N(N+1)/2)^2 I haven't tried this one yet, so can't offer a solution. If one is willing to accept that Sum(n=1,N) n^m is a polynomial in N of degree m+1, which should be at least plausible based on your m=1 case, then there is a straightforward a...

The two examples in the OP are equivalent.

This is easy. Wipe out the loans.

This chart is not plausible and is not showing the difference between admiral and investor shares returns. See how all the difference happens in the first few months and then the lines are essentially parallel. I can't say if this is an artifact of the plotting software, a data error, or if Vanguar...

No. They would open a fraudulent bank account, change the transfer instructions, and transfer the money to that. I am in complete agreement with you that stronger passwords should be usable at Vanguard. However, there are extra layers to deal with the above issue. Someone correct me if I'm wrong, b...

Because accounts get locked after X number of incorrect login attempts, I don't know that a 45 character password is more secure than a 10 character one. Offline password cracks dont get locked out, they could brute force you password to hearts content. That's the worry here. That some VG employee ...

Agreed with others. Now that I have learned why the Bogleheads approach to investing is the superior one, I don't need to keep reading about investing. But I read this forum anyway, for fun, and I still do learn some things now and then. Also, if I stopped reading I would miss out on gems like this ...

Excellent post! I could not agree more with your point. Nobody has time to be experts in every single thing out there, so it is nice to have an authority out there one can turn to. In the end, we all have to trust someone , if we aren't going to build up an entire scholarly field from scratch. Picki...

Don't do it. It's just a way to get your money.

Rodc wrote:I suspect the answer will hing on how each person defines "diversified". Without a common definition what looks like an argument about which is more diversified will really be an argument about the definition.

In my experience, many, many arguments can be boiled down to this.

I thought I remember someone here (maybe Rick Ferri?) saying if you're going to buy international equities in a TAXABLE Account, then FTSE All world ex-US was better than Total International due to Total International being a "fund of funds" and subject to different (higher) taxes (accord...

dbphd wrote:What's a G-Fund, and can someone provide a link?

db

http://www.bogleheads.org/wiki/G_Fund

jebmke wrote:I cut my teeth on mainframes. When an IBM mainframe job failed to run, the typical message had a lot of technical jargon but, at the bottom, every message had the line "probable user error."

Hah, I love it.

Half a percent is nothing to sneeze at, so you have certainly done well! Of course, how much better off would you be if you haven't held off for the past 2 months? On the other hand, next week the market could plunge 10% and you could be vindicated. Or it could gain 5%. Nobody knows what will happen...

I am not sure exactly which metric you are referring to by ROI YTD. I'm not an expert at working with these figures, either. It's all fuzzy to me :D. There are surely others here who would know better. If you enjoy carrying out your strategy or it gives you some comfort, then by all means continue. ...

If you have the patience and the knowhow, I would suggest comparing your performance using your actual strategy of buying the "monthly dips" with an alternative strategy of simply buying on, say, the first of the month. If your actual strategy turns out to be better (which it very well may...

Lower fees are my idea of a good perk. On a portfolio of $1M, a difference in expense ratios of .05% compared to competitors is an extra $500 per year. I'd much rather have that than some Vanguard t-shirts or other stuff which I don't really want. I don't know if the analogy with frequent flyer prog...

I mean do Bogleheads really all have EFs large enough to handle black-swan type events, on top of regular loss-of-income? I can't speak for everyone with authority, but I doubt it. Bogleheads simply like to play devil's advocate... Since you are tenured, you are very likely at least 30 years old. T...

I also understand that if an investor is retired and living off the interest income, that the inflation adjustment component must remain invested in the fund to have the inflation protected benefit. If the investor takes the entire dividend for expenses, it defeats the purpose. The retiree at that ...

Suppose Asset A costs $100, then when you flip a fair coin, it will become worth $80 or $120. Suppose Asset B costs $100, then when you flip a fair coin, it will become worth $80 or $125. Which one is the zero-return asset? With respect to the first flip, I say the answer is Asset A: $80 X 0.5 + $1...

Might I suggest that he first check if the dorm has a common kitchen area that has a microwave? If so, it's perfectly reasonable to use that on the occasions he needs the microwave. Additionally he will have more space in his dorm room without the microwave, which I'm sure he will appreciate!

DualIncomeNoDebt wrote:My being familiar with it, or labeling it institutionalized theft?

Probably your labeling HFT as unlawful. But my thanks for pointing out the CNBC article.

Windows Live Mesh can do what you want, and works extremely well (at least on Windows). There is a version for Mac OSX. You can set it up so that it does not sync to the cloud.

You might have a look at http://en.wikipedia.org/wiki/Comparison ... n_software

Any money related to tuition is not taxable. If it counted, you'd be paying taxes on a phantom income of $30,000 per year, ouch. Well, to be more precise, it's taxable but you can reduce your income by the amount of a scholarship to the extent it's spent on tuition. You might think that's the same ...

Any money related to tuition is not taxable. If it counted, you'd be paying taxes on a phantom income of $30,000 per year, ouch. Also I'm not sure about stipends related to the GI Bill but as far as regular school stipends combine with fellowships, the answer is they don't stack completely. If you g...

I use the No Script extension in Firefox, to block all javascript except on a whitelist basis. Also, I use Adobe Reader but disable Javascript there too, which is where most (all?) of the exploits come from.

Since the voting on this thread seems to be about 10:1 in favor of PSU, I feel compelled to put in a good word for Cornell. I got a PhD there from the Engineering school (although I don't really consider myself an engineer) and was very impressed by the undergraduates for whom I was a TA. Uh oh. We...

An expense ratio of 1.2% is ridiculous. Go with the S&P 500. If you really need international funds, get it somewhere else such as an IRA, and get Vanguard Total International Stock Index.

Furthermore, the Dow closed at 12,715.93. Add the digits and you get 28. The divisors of 28 are 1, 2, 4, 7, and 14. Add those divisors and you get... 28! How often does that happen? Pretty rarely, as all the Perfect Numbers that we know of are obtained from Mersenne Primes, and we know of only abou...

I'm in a natural sciences PhD program. I could have gotten out in 3.5 years, but I stayed for 4. My opinion is to not push him to do 3 years; let him make up his own mind. There is nothing wrong with taking 4 years.

Did you read the article? Yes they paid tax on the 5K to fund the Roth IRA. They then proceeded to buy shares of pre IPO companies for pennies per share -- companies that their VC funds are funding and controlling. Seems like a big giant loophole in the valuation. My VC company can put 250B into a ...

I can't see how it makes sense to put down 50% of the house purchase and then she feels like she's paying the mortgage on her own. Mathwise it will make sense, emotionally it will not feel fair. That didn't occur to me. What I don't want is for money to be a source of resentment. In fact, my whole ...

I also use TaxACT, based on price. My taxes are really simple though, with nothing too crazy. The interface can be a little annoying at times, but it gets the job done. I also like that someone from TaxACT also posts on this board to answer questions

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Why not keep the money until the educational expenses actually arise, and then give it to her?

Pay off that debt!

As a graduate student with experience in this, I feel I should inform you that if your fellowship is like most, then 1) it is taxable, and 2) it does not count as earned income for IRA contribution limits. It is true that most fellowships do not report your income to the IRS or give you a W-2. Howev...

As an engineer I won't brook abuse of "exponential". I was going say something, but maybe the OP is REALLY good. Brian Really? Why do you think his use is incorrect? If your wage increases by a constant percentage each year, say 3%, then your wage increases exponentially: W(t) = W_0 1.03^...

Amazing how much discussion this has generated. Wikipedia has some interesting information on this topic (emphasis added). Fox & Levav (2004) used the problem (called the Mr. Smith problem, credited to Gardner, but not worded exactly the same as Gardner's version) to test theories of how people ...

I don't believe it is rational to wager "everything I have and everything I can borrow". Diminishing marginal utility of money needs to be taken into account. The first million dollars is a whole lot more important than the second million. For me the answer is somewhere around 10-20% of as...

Thanks magician for posting this. Conditional probability can certainly be unintuitive!

Let me stop you right there. The number of distinct ways to have 12 non-ace cards out of 48 is: 48 choose 12 = 48!/(12!*36!). Well, it doesn't really matter how we calculate C, does it? Hmm, I don't believe you accounted for the conditional probabilities. For A, you want 1 - P(exactly 1 ace| at lea...

GregLee wrote:We can count the number of hands containing the ace of spades and 12 non-aces: C = 1*48*47*46*45*44*43*42*41*40*39*38*37

Let me stop you right there. The number of distinct ways to have 12 non-ace cards out of 48 is: 48 choose 12 = 48!/(12!*36!).

Well my intuition apparently led me astray (of course, why would magician even ask the question unless there were an unintuitive answer...), because my first thought was A=B. To get a sense of why this is not true, let's simplify the problem and eliminate all the pointless details from the question....

The wind swept over the moors as she gazed at the stark moon. She contemplated her aloneness, her emptiness. Until a hand touched her shoulder... "Lord Beckworth!" she exclaimed, spinning around to face his chiseled features, "Why, I thought that you... that you..." "That I...

We had this discussion recently, but Sansa Clip with the free operating system Rockbox installed is a wonderful, cheap little device.

Unless physics as we know it is turned upside down , you cannot send information faster than the speed of light. This is slightly technical, but even though the correlation is sent instantaneously, one cannot use this property to send information. Trying to send information through an entangled pai...

The company that can figure out how to use quantum entanglement to eliminate the light speed delay will have a 52ms advantage. Quantum entanglement does not mean you can send information faster than the speed of light. You could be right. I was only going by what I read about it on the internet: Wh...

CaliJim wrote:The company that can figure out how to use quantum entanglement to eliminate the light speed delay will have a 52ms advantage.

Quantum entanglement does not mean you can send information faster than the speed of light.

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