Search found 6517 matches

by Epsilon Delta
Sun Dec 10, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 23
Views: 809

Re: Look online for "laundry detergent box" and see what comes up

All sorts of laundry detergent for sale @ Amazon in boxes. Here's one: https://www.amazon.com/Ajax-Low-Foam-All-Purpose-Laundry-Detergent/dp/B005NIJ6OK Many boxes are not simple cardboard. They contain one or more layers of plastic or foil to control moisture, seepage or whatever. The non-paper lay...
by Epsilon Delta
Sun Dec 10, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay taxes on free food?
Replies: 26
Views: 2177

Re: Pay taxes on free food?

I think a bigger issue would be if a doctor had to write off or decrease a patient's bill. The amount could be considered "income" to the patient. This is similar to banks re-writing some loans as they were required to do around 2009. The amount of loan "forgiveness" was considered as income as far...
by Epsilon Delta
Sun Dec 10, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA problem
Replies: 7
Views: 650

Re: Help with ACA problem

If you are concerned about a repeat next year, you can boost her income by gifting to a traditional IRA on her behalf this year (further reduces her AGI in 2017) and having her convert enough of it to a Roth next December, which will increase her AGI accordingly. Assuming she is eligible for an IRA.
by Epsilon Delta
Sun Dec 10, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: Would a Bitcoin Crash affect the general markets?
Replies: 21
Views: 1023

Re: Would a Bitcoin Crash affect the general markets?

If you believe the price of Bitcoin is irrational then you believe there are lots of irrational people about, so rational reasons why a Bitcoin crash should not affect the general markets are not comforting. If you believe the price of Bitcoin is rational then there will probably be a rational reaso...
by Epsilon Delta
Sun Dec 10, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 9
Views: 474

Re: Can/Should early retiree avoid ACA tax credits?

You could always make a donation to the Treasury to reduce the public debt to the value of whatever amount of the subsidy that offends your conscience.
by Epsilon Delta
Sun Dec 10, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth Question
Replies: 4
Views: 575

Re: Back Door Roth Question

Do I need to move that .18 cents in interest over to my Roth as well? You don't need to but you might as well convert it. When filing for 2017, I will have to report all 3 of these conversions from this year. How do I reconcile or showcase my carry over basis when it actually reduced because I lost...
by Epsilon Delta
Fri Dec 08, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6227

Re: Bitcoin now the largest quantifiable bubble in history?

And to those on other boards who have told me that "they can't find out who has them", my answer was "that's what everyone thought about Swiss bank accounts too". There are lots of people who think Bitcoin is not anonymous. A simple google of "are bitcoin transactions anonymous" shows that at the v...
by Epsilon Delta
Fri Dec 08, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 97
Views: 9808

Re: Buying and Spending Bitcoin

Anyway... when somebody dies, what are the chances of his heirs finding and being able to cash in his bitcoin? Nobody is going to report abandoned bitcoin to the state treasurer. I think that's actually an advantage -- if somebody leaves behind their wallet seed phrase on a piece of paper, anybody ...
by Epsilon Delta
Fri Dec 08, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1032

Re: router - can I set it up myself?

Setting up tech like routers it's sometimes easy to set them up so they kind-of, sort-of-work, but much more difficult to set them up so they work to their full potential. On the other hand for many applications (particularly home networks) kind-of, sort-of works is much more than enough.
by Epsilon Delta
Fri Dec 08, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6227

Re: Bitcoin now the largest quantifiable bubble in history?

I agree with most of this, but the strong version of the efficient market hypothesis cannot be correct. For if it were, it would be impossible ever to identify a bubble while it was in progress. This is clearly incorrect because quite a few people identified the NASDAQ dotcom bubble while it was in...
by Epsilon Delta
Fri Dec 08, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited IRA
Replies: 14
Views: 959

Re: Help with Inherited IRA

Personally I would hold all the inherited IRA accounts with a single custodian. Because of RMDs there will be a certain amount of activity and having it all in one place reduces the number of transactions, 1099s, beneficiary forms, and other chances to mess up. It may also improve the usefulness of ...
by Epsilon Delta
Fri Dec 08, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 44
Views: 2247

Re: Should I file taxes w/o her?

One issue with withholding is that a W-4 (and equivalent electronic tools) suggest that all allowances be claimed by the highest earning spouses W-4. This does result in the most accurate withholding, but it is best considered as a matter between the couple and the IRS NOT a way to allocate tax paym...
by Epsilon Delta
Fri Dec 08, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1024

A DATE that will live in infamy.

It's trivia, but it's bugging me so:

Lincoln did not say "Eighty Seven years ago ... "

Roosevelt did not say "A day that will live in infamy. ..."
by Epsilon Delta
Thu Dec 07, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 44
Views: 2247

Re: Should I file taxes w/o her?

I knew I wasn't going to get any sympathy but I wanted to see if there was a better way to avoid the high taxes. While our funds aren't in one pot, She has a golden heart and is extremely generous so I'll quit while I'm ahead, thank you! :happy If you really keep separate finances the pair of you m...
by Epsilon Delta
Thu Dec 07, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5202

Re: What do Bogleheads say when they don't want to spend money?

catdude wrote:
Thu Dec 07, 2017 6:27 pm
But when you just don't want to spend the money, and someone refuses to accept that, what do you do?
The same as you did, but I don't feel guilty about it. I do feel annoyed I opened the door in the first place.

MYOB, MYOFB and "How dare you?" are also useful phrases.
by Epsilon Delta
Thu Dec 07, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6227

Re: Bitcoin now the largest quantifiable bubble in history?

Thesaints wrote:
Thu Dec 07, 2017 6:07 pm
The Bolsheviks will be happy :)
Can you buy rope with Bitcoins?
by Epsilon Delta
Thu Dec 07, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Taxes
Replies: 17
Views: 1925

Re: Small business accounting and taxes

1. Setting up a sole proprietorship in my state [Colorado] is done online, takes 5 minutes and costs $5. What is this "setting up a sole proprietorship"? I was under the impression that a natural person doing businesslike things under their own name was a sole proprietorship and in general doesn't ...
by Epsilon Delta
Thu Dec 07, 2017 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited Roth, no will no beneficiary
Replies: 7
Views: 732

Re: Help with Inherited Roth, no will no beneficiary

I came back to edit my post and see Spirit Rider beat me to it. What I was going to say is that since the last contribution was in (and for) 2014 and the total contribution of $8,100 was more than the yearly contribution limit is likely that a contribution was made for 2013 (or earlier) In that case...
by Epsilon Delta
Wed Dec 06, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited Roth, no will no beneficiary
Replies: 7
Views: 732

Re: Help with Inherited Roth, no will no beneficiary

Sorry for your loss. Completely inadequate though that may be. My son's last contribution was May 15, 2014. Thus, after May 15, 2019, all contributions will have met the 5 year rule. He has about $8,100 in contributions and the current value is around $12,500. My tax bracket is 33%. The total value ...
by Epsilon Delta
Wed Dec 06, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1150

Re: bank secrecy act-10k

Although if the bank knew that you were asking if this was a suspicious activity, the question itself could trigger a report. :twisted: Actually for a transfer from a 475b account thats not likely to happen, but if you walk in to a bank with say $8,000 in cash from a car sale asking if the deposit ...
by Epsilon Delta
Wed Dec 06, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: I'm declaring a bubble, it's at the peak
Replies: 15
Views: 2304

Re: I'm declaring a bubble, it's at the peak

Are peaks in a bubble or are bubbles at a peak? :confused
by Epsilon Delta
Wed Dec 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1891

Re: Least/Most Reliable Carmakers Today

Still think it is nonsense. I'm having a hard time seeing how it is nonsense. They collect data directly from the auction houses of what problems are actually being found in their inventory. There are a very large number of ways to collect and analyze data that are nonsense. Lots of them look okay....
by Epsilon Delta
Wed Dec 06, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1150

Re: bank secrecy act-10k

Although if the bank knew that you were asking if this was a suspicious activity, the question itself could trigger a report. :twisted: Actually for a transfer from a 475b account thats not likely to happen, but if you walk in to a bank with say $8,000 in cash from a car sale asking if the deposit w...
by Epsilon Delta
Wed Dec 06, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Tax Withholding
Replies: 6
Views: 532

Re: Roth IRA and Tax Withholding

If essentially all your income is occurring this month, then paying your 2017 tax via estimated taxes this month (actually, by Jan. 15, 2018) will avoid under withholding penalties. But that will require a form 2210 and schedule AI. Depending on circumstances this may be a bit of a pain. I'd sugges...
by Epsilon Delta
Wed Dec 06, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Questions Regarding Back Door Roth IRA With Existing Accounts
Replies: 4
Views: 347

Re: Questinons Regarding Back Door Roth IRA With Exisisting Accounts

Hello, I have done the search for this topic and read over many threads. However, I do not feel confident that I have had my question answered and am in the thick of all of this in order to get it done. Please forgive me if I just need it explained in a different way then what I have already read. ...
by Epsilon Delta
Wed Dec 06, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 24
Views: 5742

Re: Why are so many Chinese visiting my website?

Or possibly you have something that tickles the fancy of some online community. I.e. you've been slashdotted on a tiny scale. It's really impossible to say that nobody in China is interested in your website. People have weird interests. If nothing else your website could be used as an good example (...
by Epsilon Delta
Wed Dec 06, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Pedantically, the schism was about whether the ledger should be allowed to grow at 52GB per year, or AS NEEDED up to a cap of 416GB/year. That's an important distinction because currently the chain does not grow by 416GB/yr under any scenario except inventivization of valueless transactions which n...
by Epsilon Delta
Tue Dec 05, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8164

Re: Growing Number of Electric Vehicles

kibi, mebi, gibi, ....
by Epsilon Delta
Tue Dec 05, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1537

Re: All Investors are Factor Investors

How do the same folks know ERP exist? It isn't on the Ten Commandments. Someone noticed it as a way to explain the excess returns given by stocks over fixed income. That is how that factor started. No different then any of the factors. Good luck. Beta of the total market* is quite different from th...
by Epsilon Delta
Tue Dec 05, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1537

Re: All Investors are Factor Investors

I think a TSM investor needs to recognize this point of view and realize that this is hooey. It's the same argument that "you take a risk every time you cross the street therefore you are a gambler and should bet it all on red". TSM is a representation of the equity premium. No one will give you gr...
by Epsilon Delta
Tue Dec 05, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1537

Re: All Investors are Factor Investors

I think a TSM investor needs to recognize this point of view and realize that this is hooey. It's the same argument that "you take a risk every time you cross the street therefore you are a gambler and should bet it all on red". TSM is a representation of the equity premium. No one will give you gr...
by Epsilon Delta
Tue Dec 05, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

A global ledger is not scalable. I think a global ledger is an essential feature of Bitcoin, an implementation without a global ledger would be a different beast, without some of the good properties claimed for the current implementation.
by Epsilon Delta
Tue Dec 05, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1314

Re: How many security Camera's

I am looking for some advise, the house is 2800 sqft on 0.71acre piece of land with nearby friendly neighbors. There 3 entrance to the house, on is garage, front and backyard. There are 3 entrance for you . Burglars may be more imaginative and use windows or chainsaws. It's called breaking and ente...
by Epsilon Delta
Tue Dec 05, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 1973

Re: Concrete vs Pavers

While I like pavers they are usually concrete pavers. They will suffer the same slings and arrows as a concrete slab. It is easier to repair chips or dips, but mostly people think worn, faded pavers look charming, while a worn faded slab looks like a worn, faded slab.

Fixed grammer and typos.
by Epsilon Delta
Tue Dec 05, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2242

Re: The "petro," a Venezuelan oil-backed cryptocurrency

...I vaguely recall a science fiction story in which the characters needed silver to make some gizmo work, so were rounding up all the silver coins they could find. Obviously written some time ago. ? there was a John W Campbell novella, in which silver was the key to making space battleships ... (s...
by Epsilon Delta
Tue Dec 05, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1537

Re: All Investors are Factor Investors

I think a TSM investor needs to recognize this point of view and realize that this is hooey.

It's the same argument that "you take a risk every time you cross the street therefore you are a gambler and should bet it all on red".
by Epsilon Delta
Tue Dec 05, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1513

Re: Running Linux vs Other OS?

Some software doesn't run on Linux, for example the desktop version of Turbotax (the online version works) or the Sonos controller. In some cases it's possible to get these working with Wine, but I never had any luck when I tried. But Netflix now works well in both Chrome and Firefox. As a software...
by Epsilon Delta
Tue Dec 05, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8164

Re: Growing Number of Electric Vehicles

There is a set of skills my grandfather took as a given that I don't have-- mostly outdoorsy things. Neat, standardized handwriting. An absolutely essential skill until the 1940s, made completely obsolete by typewriters and later computers. Multiplication. Few of the engineers (some with PhDs) I wo...
by Epsilon Delta
Tue Dec 05, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?
Replies: 20
Views: 981

Re: Does this constitute a wash sale, and is Vanguard's cost basis accounting correct?

For a $20 loss I would wait for the 1099 and report it however Vanguard does. Doesn't matter if it's right or not. The 1040 will match the 1099. This will minimize the chance the IRS questions it. For this amount all you have to worry about are the computers matching the numbers. Sometimes it's not ...
by Epsilon Delta
Tue Dec 05, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2662

Re: Europe Suggestions

While London is generally expensive several museums are free. This includes the Tate Galleries, the National Gallery and British Museum but for kids the Science Museum, Natural History Museum and Victoria and Albert are free, interesting, close together and near Hyde park. So you can spend a few hou...
by Epsilon Delta
Mon Dec 04, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Ever seen a 401k with so few options?
Replies: 13
Views: 983

Re: Ever seen a 401k with so few options?

I've seen a lot worse. Mostly with more choices. The hot fund or asset class from each of the last 20 years and a few random balance funds. I'm a little surprised that there is no bond or money fund and the balance fund in addition to all the TR funds is a bit redundant. Note that the TR funds have ...
by Epsilon Delta
Mon Dec 04, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2698

Re: How much do you need to drive a car to keep battery charged and everything else OK?

I have one of those voltage based battery monitors in the motorhome. It's accurate, but useless. Figuring out battery state of charge from one of those voltage devices is nearly impossible. Having worked on Battery State of Charge (BSOC) for lead acid batteries with a team of multiple engineers, a ...
by Epsilon Delta
Mon Dec 04, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8164

Re: Growing Number of Electric Vehicles

Why not install a free gas pump too for all of the other guys? Also a level 2 charger can be installed for a couple of hundred to a couple of thousand bucks. To get costs that low with a gas pump you'll have 55 gallon drums and a hand pump, you'll also need regular deliveries. And the EPA, OSHA, fi...
by Epsilon Delta
Mon Dec 04, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

All this to say that by the time it's the year 2140-ish (when the last of the 21M should be mined), fees should be sufficient to incentivize miners. Can somebody explain where 2140 guess is coming from? I understand 21M limit but what are the assumptions inherent in coming up with the end date? Are...
by Epsilon Delta
Sun Dec 03, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 262
Views: 34788

Re: What is Bitcoin?

Haven't read all the threads about Bitcoin, but I've been curious. It seems that most of us think in terms of whole Bitcoins, but I've read that a Bitcoin can currently be divisible up to eight decimals or satoshi, as they call them (1 BTC = 10^8 satoshis). I've also read that if the bitcoin commun...
by Epsilon Delta
Sun Dec 03, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

It is inherently insecure (if I can hack your wallet and take your bitcoin, there is no third party or government that will roll back the transaction). For a hacked wallet I believe that in principle you have the same recourse as you have for a picked pocket. If you convince a DA and judge that the...
by Epsilon Delta
Sun Dec 03, 2017 1:12 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

From a macroeconomic perspective to have a currency with a fixed supply and a rapidly increasing value leads to deflation and economic depressions. This was somewhat of an issue when currency was fully backed by gold. There is nothing in the nature of Bitcoins that prevents using them as a basis fo...
by Epsilon Delta
Sun Dec 03, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 215
Views: 14938

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

It is inherently insecure (if I can hack your wallet and take your bitcoin, there is no third party or government that will roll back the transaction). For a hacked wallet I believe that in principle you have the same recourse as you have for a picked pocket. If you convince a DA and judge that the...
by Epsilon Delta
Sun Dec 03, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: US Tax Law Question- Safe Harbor for Estimated Quarterly Payments
Replies: 9
Views: 937

Re: US Tax Law Question- Safe Harbor for Estimated Quarterly Payments

I think if you pay any extra owed with form 4868 (Automatic Extension of Time to File), then you are okay. Which means you could do an early draft of your tax return(s), compute the amount owed and send it in with form 4868, and watch it get deducted from your checking account. Then file your feder...
by Epsilon Delta
Thu Nov 30, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7052

Re: Does it make sense to drop health insurance?

I don't have the data to back this up, but I think you'd be hard-pressed to find someone who's had a significant illness in the past you would recommend going without coverage. Usually, the people who drop coverage have never been sick and are sometimes operating under the illusion that if you exer...