Search found 5678 matches

by Epsilon Delta
Sat Jul 23, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 22
Views: 1702

Re: HDTV Question

Ok, I think I understand now. Based on all the replies, the 2.1 soundbar may not perform better than my old Bose receiver with its five speakers and subwoofer. Maybe I should buy a 5.1 soundbar instead of the 2.1? Or, just continue on with the Bose? Currently, when I am watching movies on blu ray, ...
by Epsilon Delta
Sat Jul 23, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs. Traditional when income varies
Replies: 18
Views: 454

Re: Roth vs. Traditional when income varies

You can recharacterize that roth to traditional still I believe? Yes he can. Note that it is basically one recharacterization per contribution. I'd suggest waiting until next February or March when you will have a solid idea of your 2016 taxes. If your going to recharacterize to a traditional and c...
by Epsilon Delta
Sat Jul 23, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs. Traditional when income varies
Replies: 18
Views: 454

Re: Roth vs. Traditional when income varies

You can recharacterize that roth to traditional still I believe? Yes he can. Note that it is basically one recharacterization per contribution. I'd suggest waiting until next February or March when you will have a solid idea of your 2016 taxes. If your going to recharacterize to a traditional a...
by Epsilon Delta
Sat Jul 23, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Track Lighting Fixture for Kitchen
Replies: 3
Views: 208

Re: Track Lighting Fixture for Kitchen

I would say no for a number of reasons. ⋅ It's 1800 lumens. A 100W incandescent light bulb is 1600 lm. IMHO 1 1/8 100W light bulb is not enough for a kitchen. ⋅ I can't see if these are spots or wide angle, but I'd guess they are fairly narrow. If so it may be difficult to get un...
by Epsilon Delta
Fri Jul 22, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3313

Re: World VCR production is ending next month. What to do with my old VHS tapes?

The idea of planned obsolescence implies deliberate efforts to make sure devices don't last, but some less deliberate design efforts end up with the same result. For example, CMOS batteries in computers eventually die rendering them dysfunctional. I imagine someone may be able to find the correct b...
by Epsilon Delta
Fri Jul 22, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRA beneficiaries question
Replies: 14
Views: 852

Re: IRA beneficiaries question

As important as the determination of beneficiary(s) is how she receives the IRA. State tax can also be a consideration. In NY if a spouse holds an IRA as an inherited IRA (under common conditions) $20,000 of distributions per year are state tax free. If the IRA is treated as being owned by the surv...
by Epsilon Delta
Fri Jul 22, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market Increasingly Detached from U.S. Economy
Replies: 17
Views: 1910

Re: U.S. Stock Market Increasingly Detached from U.S. Economy

In my view the most salient feature of the parts of the economy that are not represented in the stock market is that they are not represented in the stock market. Things like access to capital markets, control, and regulations are different for non-public companies. It seems that it will be difficul...
by Epsilon Delta
Fri Jul 22, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3313

Re: World VCR production is ending next month. What to do with my old VHS tapes?

100 years from now, technology overall will be much more advanced. But, will anyone be able to produce a working VCR if needed? I imagine the specifications and schematics will be the intellectual property of some technology company. But those specs rely on parts that are available today. Will ther...
by Epsilon Delta
Fri Jul 22, 2016 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site shows funds not owned?
Replies: 14
Views: 1046

Re: Vanguard site shows funds not owned?

I have always had the sinking feeling that the accounts with zero balances actually do exist in some ghostly manner and that these zombie accounts do matter in some way that is eventually going to cause me trouble. Of course they exist as some type of database entry. There has to be something that ...
by Epsilon Delta
Fri Jul 22, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 22
Views: 1702

Re: HDTV Question

The difference that HDMI has vs what optical has - is negligible for 99% of the situations I could think of. HDMI technically can carry more information than optical, but this is for cases when you have very high end audio formats and many high end speakers at once running. 99% is quite an understa...
by Epsilon Delta
Fri Jul 22, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 13
Views: 1165

Re: Router SSID Broadcast in Crowded Wifi Environment

I do realize that nothing wireless is completely bulletproof, but I also don't think it's unreasonable to be able to make it pretty darn reliable if we do it right. Call it 98%. :D At least you don't expect 99.99% :D 98% you might get. That means it won't work one week each year, can you live with ...
by Epsilon Delta
Fri Jul 22, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Check Fraud
Replies: 19
Views: 1702

Re: Check Fraud

Another reason why it is insane that we still use checks in this country. I processed hundreds of thousands of payments per year in Europe while I was there and the only payment transaction fraud we experienced involved countries that still use checks. Anybody who believes there is no payment fraud...
by Epsilon Delta
Fri Jul 22, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3313

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I'm with jharkin. It's fairly easy to build a working gramophone out of lego, thumb tacks and plastic cups. One that does not destroy the record it is playing is a little harder, but not much. Constructing a VCR from scratch is a different order of complexity. Not a misunderstanding, and I'm not ta...
by Epsilon Delta
Thu Jul 21, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 49
Views: 3313

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I'm willing to bet everyone currently posting on this forum will be dead before there are no longer any working VCRs in the world. . I'll make an opposing bet that turntables and vinyl records will still be produced, albeit in small quantities, long after every known tape format is dead and buried....
by Epsilon Delta
Thu Jul 21, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: in a digital world, why does "cash" have a storage cost?
Replies: 22
Views: 1391

Re: in a digital world, why does "cash" have a storage cost?

nisiprius wrote:They were saying that it's a little easier in the Eurozone because there are €1000 notes

I think you'll find that those €1000 notes are not a good store of value. Most people would use something issued by a central bank.
by Epsilon Delta
Thu Jul 21, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 13
Views: 1165

Re: Router SSID Broadcast in Crowded Wifi Environment

I'm mostly concerned about the iPad connection to the 5G network for the engineer being 100% bulletproof. If you want bulletproof you can't rely on unlicensed spectrum. You need to either lease licensed spectrum (e.g. using a cell phone) or hard wire it. Or at least have a hard wired connection ava...
by Epsilon Delta
Wed Jul 20, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Do chipped ATM only cards offer more protection vs unchipped?
Replies: 21
Views: 1387

Re: Do chipped ATM only cards offer more protection vs unchipped?

Protection for who? There are at least three entities involved: the customer, the ATM owner and the card issuer. There may also be a clearing company in the middle, but they have never taken any risk. My understanding is that if the ATM or POS owner is responsible for fraud if they don't have a chi...
by Epsilon Delta
Wed Jul 20, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Do chipped ATM only cards offer more protection vs unchipped?
Replies: 21
Views: 1387

Re: Do chipped ATM only cards offer more protection vs unchipped?

Protection for who?

There are at least three entities involved: the customer, the ATM owner and the card issuer. There may also be a clearing company in the middle, but they have never taken any risk.
by Epsilon Delta
Wed Jul 20, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Which factors have risk-based explanations and which don't
Replies: 8
Views: 635

Re: Which factors have risk-based explanations and which don't

Factors do not necessarily need to have a risk-based explanation for us to believe they can persist (as is the case with momentum).


Pun intended????
by Epsilon Delta
Wed Jul 20, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2529

Re: Removing Broken Bolts

If you are able to fix this, don't use the cheapest bolts from home depot/lowes. Us a higher grade bolt, and maybe us some antiseize compound if available. A man that would leave a thread dry would letterspace blackletter. If you don't have anti-seize* get some. No excuses. * locktite, grease or Te...
by Epsilon Delta
Tue Jul 19, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2529

Re: Removing Broken Bolts

SVariance1 wrote:Image
by Epsilon Delta
Tue Jul 19, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: How much are these microscopes worth and what should I do with them?
Replies: 15
Views: 1154

Re: How much are these microscopes worth and what should I do with them?

I just have one thing to add. The AO Spencer microscope looks like a low-power stereo microscope. You might want to hang onto that one if you know any kids--let's say, age 9 to 18--or any teachers of kids that age. ... A low-power stereo microscope is a great thing, and much better than any cheesy ...
by Epsilon Delta
Tue Jul 19, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Removing Broken Bolts
Replies: 45
Views: 2529

Re: Removing Broken Bolts

You can try soaking with a penetrating oil for a few hours then trying the easyout again. Also try giving the bolt a good whack with a hammer and center punch or nail set. It may also be time to ask for help, since there is a knack to it that comes from experience. If all else fails you might need t...
by Epsilon Delta
Tue Jul 19, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation: good idea?
Replies: 11
Views: 1025

Re: Deferred Compensation: good idea?

There is only one option for the deferred comp: Wall Street Journal prime interest rate payed quarterly. 3.5% right now. That changes with inflation, I guess. This seems like a good deal in that there is no downside risk to the capital and it outpaces inflation. Kindof a 3.5% CD with inflation adju...
by Epsilon Delta
Tue Jul 19, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 3861

Re: Stinky Washing Machine

Washing machines come apart fairly quickly. In my experience if a washing machine is in a nice wide space (such as a basement) where you have 4 foot of clear space on every side it comes apart easily. If it's in a tightly packed laundry room with only a narrow aisle in front it's quite a bit more d...
by Epsilon Delta
Mon Jul 18, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Distribution Elections for Non-Qual Deferred Comp Plan
Replies: 9
Views: 946

Re: Distribution Elections for Non-Qual Deferred Comp Plan

As I read the original post an election is a series of distributions. If that is the case then a year before a distribution is due you could reschedule it with an election to have 99% paid in two years and 1% to be paid in 6 years. This would appears to satisfy the stated requirements. Should the co...
by Epsilon Delta
Mon Jul 18, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Situation where earning $1 more will cost $2000 in taxes
Replies: 20
Views: 4008

Re: Situation where earning $1 more will cost $2000 in taxes

Hi, I came across a thought where earning a dollar will cost more than a dollar in taxes. I know one situation like this, please share more if you know. If your MAGI is $74,900 and you made $20,000 in capital gains and dividends, then your total gross income is $94,900 and you're firmly in the 25% ...
by Epsilon Delta
Mon Jul 18, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: determine how much of taxable income you can take each year in the lowest bracket
Replies: 12
Views: 1374

Re: determine how much of taxable income you can take each year in teh lowest bracket

It can get complicated with social security etc. Your tax bracket is not going to be what is important in isolation but rather marginal tax rates - ie what the next extra dollar of income will cost you in taxes. If tax rates were monotonic marginal rates would be all you need. But sometimes tax rat...
by Epsilon Delta
Mon Jul 18, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Possible Water Spot on Ceiling
Replies: 16
Views: 1087

Re: Possible Water Spot on Ceiling

This time of year it's also worth checking for condensation on the toilet tank. If you do call a plumber it's worth considering if you have any other minor plumbing jobs you've been putting off. You'll pay the callout fee anyway, so it may only be parts and a few minutes of time to do things like re...
by Epsilon Delta
Mon Jul 18, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2392

Re: When traveling what do you use to bank online safely

A VPN protects you against attacks where a malicious access point serves you http-only versions of a website, if you didn't type/bookmark an https URL, and you don't notice the missing padlock, and nothing else (HSTS, etc.) stops the attack. Not too common in practice, but it's a reasonable extra l...
by Epsilon Delta
Mon Jul 18, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Transations with Fractional Shares from Separate Lots
Replies: 13
Views: 597

Re: Transations with Fractional Shares from Separate Lots

Let's not go overboard. While this may be annoying to those of us with CDO it's not a huge problem. We're accounting for the basis of a fractional share. Unless it's Berkshire Hathaway the CIL will be at most several hundred dollars. The difference in gains calculated in any reasonable way will be l...
by Epsilon Delta
Sun Jul 17, 2016 11:56 pm
Forum: Investing - Theory, News & General
Topic: Transations with Fractional Shares from Separate Lots
Replies: 13
Views: 597

Re: Transations with Fractional Shares from Separate Lots

I disagree with Epsilon Delta's interpretation. ... I think this the key IRS quote, substantiating my reasoning: Stock bought at various times. Figure the basis of stock dividends received on stock you bought at various times and at different prices by allocating to each lot of stock the share of t...
by Epsilon Delta
Sun Jul 17, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6174

Re: What's up with 4K tv? Should I buy one?

The data rate comes into play when you want to stream the compressed audio format over your home network. For example, streaming from your PC to a DVD player that can handle FLAC files. The data rate goes crazy high, which can bog down your home network. Here's what you didn't say. If the FLAC orig...
by Epsilon Delta
Sun Jul 17, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: Transations with Fractional Shares from Separate Lots
Replies: 13
Views: 597

Re: Transations with Fractional Shares from Separate Lots

This is what I would do. Start with Holding 100 shares of XXX in 2 lots XXX Lot 1 = 60 shares, basis $1000 XXX Lot 2 = 40 shares, basis $2000 Company YYY acquires (merges) with XXX and offers 1.611 shares of YYY for each share of XXX. The result is: YYY Lot 1 = 60 x 1.611 = 96.66 shares, basis $1000...
by Epsilon Delta
Sun Jul 17, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: Transations with Fractional Shares from Separate Lots
Replies: 13
Views: 597

Re: Transations with Fractional Shares from Separate Lots

If these are covered shares this should be done by the broker. I would accept what they choose unless it was totally unreasonable. For non-covered shares I would treat the 0.1 share as if it were sold without being identified. The default is FIFO so in the absence of some other arrangement it comes ...
by Epsilon Delta
Sun Jul 17, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6174

Re: What's up with 4K tv? Should I buy one?

Uncompressed CD is 0.7Mb/s. It's hard to see why Wi-Fi would have any trouble handling this for any reasonable number of speakers. Many high quality CDs ripped to FLAC have a bitrate in the 2500-3000kbps range. 24 bit/192kHz files are close to 10000. And you're quoting single channel CD bitrate. A ...
by Epsilon Delta
Sat Jul 16, 2016 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1434

Re: State income tax question

I don't understand the part about the company not withholding state taxes. If the company is paying an employee in North Carolina, they should be reporting it to NC and doing withholding. I wonder if the company has classified him as a WA resident, or is paying him as a 1099? If the WA company does...
by Epsilon Delta
Sat Jul 16, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6174

Re: What's up with 4K tv? Should I buy one?

Uncompressed CD is 0.7Mb/s. It's hard to see why Wi-Fi would have any trouble handling this for any reasonable number of speakers.
by Epsilon Delta
Sat Jul 16, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 2900

Re: Hatchback to match Camry on price/comfort/reliability?

rooms222 wrote:[Scion Tc] is affordable and is nearing the end of production, so it is tried and true in its design.

All of Scion is being discontinued in August. There might be an end of life discount, but I'd also want to check how Toyota intends to handle future support.
by Epsilon Delta
Sat Jul 16, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1434

Re: State income tax question

Am I missing anything obvious here or is this as no-brainer as it looks? There are at least two things to consider. You don't say where he's actually working. If he's working in say California he owes CA tax on the income he earns there. Then he gets to apply whatever relief NC and CA provide again...
by Epsilon Delta
Sat Jul 16, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Car Maintenance for the Urban Dweller
Replies: 9
Views: 795

Re: Car Maintenance for the Urban Dweller

If you've been hit twice, you're going to be hit some more. Unless you change your ways. You may say it's not your fault. That may be true, but there are things you can do about it. Eventually you'll find that your insurance company shares this opinion. You have to decide if the cost/inconvenience ...
by Epsilon Delta
Sat Jul 16, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2392

Re: When traveling what do you use to bank online safely

... Bad advice. And there's no need for a VPN, either. ... Can you tell us why it's bad, rather than just saying it's bad? PJW Https should provide end to end encryption. At least it provides encryption as far as the host web server, so the local Wi-Fi and Internet providers can't eavesdrop on what...
by Epsilon Delta
Sat Jul 16, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 2900

Re: Hatchback to match Camry on price/comfort/reliability?

jjface wrote:
Toyota Prius V



Any Prius, including the Prius C, has more cargo room than the Camry, at least worth a look if your already at a Toyota dealer.
by Epsilon Delta
Sat Jul 16, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Clothing upgrade for professional environment
Replies: 78
Views: 3978

Re: Clothing upgrade for professional environment

I cannot fathom the mentality that a watch is "excessive jewelry." Literally cannot fathom it. A watch is about as functional an accessory as you can posses or wear. What's next? Are people going to start calling wallets useless folds of leather/fabric? If that's your judgment, then this ...
by Epsilon Delta
Sat Jul 16, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3632

Re: Passwords

Just like mptfan if your passwords are not recorded anywhere except your mind that's pretty safe from everyone else "Given the choice between spending $1 million trying to decrypt your passwords or spending $5 for a piece of pipe I'll use to beat the info out of you, which do you think I'll ch...
by Epsilon Delta
Sat Jul 16, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3154

Re: Raising a reader

My kids are now 11 and 12, and I still read aloud to them a few nights per week. They love the original Grimm's Fairy Tales. :-) One benefit of continuing to read aloud is the fact that children can generally comprehend two grade levels above their reading comprehension level while listening to som...
by Epsilon Delta
Sat Jul 16, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6174

Re: What's up with 4K tv? Should I buy one?

Personally I can see the encoding artifacts on a 1040i signal.* So the limit is not the screen, it's the transmission. A 4k signal downgraded to a 1040i TV would look better, assuming they make use of the bandwidth. OTOH there is plenty of room for better encoding completely within the current stand...
by Epsilon Delta
Fri Jul 15, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Clothing upgrade for professional environment
Replies: 78
Views: 3978

Re: Clothing upgrade for professional environment

And buy yourself a decent watch. Look at the high end seikos or victorinox. Nixon also intrigues me, but I'm not sure about their quality. If you dont want to spend thr money, look at orient, stuhrling, skagen or even timex has some decent offerings. For the under thirties jewelry means earrings, p...
by Epsilon Delta
Fri Jul 15, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 2596

Re: Risky job opportunity, or Microsoft at its start?

There is likely a reasonable pay range for someone with your skills so if they can pay even at the low end of that range then there is little downside to going to work for them as long as you still get your Phd. since you will be getting good experience and be working on something that you are exci...
by Epsilon Delta
Fri Jul 15, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: Converting 1/2 of an IRA to Roth this year and 1/2 next year?
Replies: 20
Views: 1009

Re: Converting 1/2 of an IRA to Roth this year and 1/2 next year?

my brother and I are in a much higher tax bracket than my mom (35%/39.6%) so our RMDs from an inherited IRA would be taxed at this rate. by splitting the conversion $150,000/$150,000 the logic is to keep it in the 28% tax bracket That makes sense in principle, but the devil really is in the details...

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