Search found 7287 matches

by Epsilon Delta
Sat May 19, 2018 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investments that are unique *and* sensible?
Replies: 4
Views: 514

Re: Investments that are unique *and* sensible?

I would quibble slightly with the idea that SPIA's are "investments," since your expected return is negative. That being said, there's nothing wrong with an SPIA; it's just an insurance product rather than an investment. I quibble with you saying that expected return on SPIA is negative. There is n...
by Epsilon Delta
Sat May 19, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 700

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

What you are talking about is small stuff.

Don't sweat the small stuff. The danger of sweating the small stuff is not paying attention to important things.
by Epsilon Delta
Sat May 19, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: central extractor fan instead of A/C?
Replies: 13
Views: 886

Re: central extractor fan instead of A/C?

You might find something you are looking among the swamp coolers. You don't want the swamp part, but these need to draw fairly large quantities of outside air through the house, so parts like inlets, outlets, fans and diverters may be available. One issue is that the heat capacity of the air in a ro...
by Epsilon Delta
Fri May 18, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2684

Re: Hot food flavoring (sauces, spices and peppers)

You might try some of the non-pepper pungent spices. Ginger, horseradish, wasabi, mustards, black pepper, cinnamon, and hard neck garlic come to mind. These all have different active ingredients and the "hot" tastes are quite different.
by Epsilon Delta
Fri May 18, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Partial Roth conversions--okay to withdraw them?
Replies: 4
Views: 428

Re: Partial Roth conversions--okay to withdraw them?

From another post I find that you have a pension that provides some level of support in addition to your taxable account between now and 70. Having converted to Roth I would not be inclined as a first choice to pull from the Roth account while continuing to do conversions as that seems counter prod...
by Epsilon Delta
Fri May 18, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: HV Landscaping Electrical Wiring
Replies: 7
Views: 489

Re: HV Landscaping Electrical Wiring

Or replace the HV lights with LV lights. Then you can run wires on the surface and chew on them safely, should you have the urge to do so. With an acre you might need to run some HV lines to remote LV power supplies on distant parts of the property. Any HV lines should be properly buried/elevated/in...
by Epsilon Delta
Thu May 17, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3063

Re: Bicycle insurance? when you're in the roadway like a car

This gets at the crux of my original post. I don't commute on a bicycle, but the way many of them ride becomes an insurance risk for everyone. And if they don't have insurance to cover someone else who they injure by their actions.....hence my question about insurance in post #1. The solution to pe...
by Epsilon Delta
Thu May 17, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3063

Re: Bicycle insurance? when you're in the roadway like a car

This gets at the crux of my original post. I don't commute on a bicycle, but the way many of them ride becomes an insurance risk for everyone. And if they don't have insurance to cover someone else who they injure by their actions.....hence my question about insurance in post #1. The solution to pe...
by Epsilon Delta
Thu May 17, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Best use of inherited assets to get to retirement soon
Replies: 7
Views: 1218

Re: Best use of inherited assets to get to retirement soon

The rules for 457(b) plans are weird. If it's a non-government plan you may not be able to roll it over at all. OTOH you may be able to roll it to a Roth IRA (paying taxes now rather than later). These may have already considered this, or it may not apply to you, or you may not care. But there is a ...
by Epsilon Delta
Thu May 17, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Percent Confidence in Planning Scenario
Replies: 27
Views: 982

Re: Percent Confidence in Planning Scenario

Getting from 96% and 100% is essentially gaming the model. The errors in the model are almost certainly greater than 4%. Or one could go the other way and not game the model. One can get much closer to 100% by investing heavily in TIPS, the ultimate low risk low return asset. To get downside protec...
by Epsilon Delta
Wed May 16, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Percent Confidence in Planning Scenario
Replies: 27
Views: 982

Re: Percent Confidence in Planning Scenario

Getting from 96% and 100% is essentially gaming the model. The errors in the model are almost certainly greater than 4%.

In other words the unknown unknowns are much greater than the known unknowns, so over-optimizing the known unknowns is pointless.
by Epsilon Delta
Wed May 16, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance for visiting the US
Replies: 10
Views: 1333

Re: Medical Insurance for visiting the US

Travel insurance from the home country should include medivac back to the home country (where they are then taken care of by the national health system and their primary insurance). US based insurance may end up stranding them in the US. I'm not sure exactly what local insurance would be available i...
by Epsilon Delta
Wed May 16, 2018 11:50 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8752

Re: The front page is ugly

bogleheads.org serves new users with the links "Getting started" and "About us" and it serves both new and old users by presenting the "forum policies" link to new users. Most so called modern websites don't do this anywhere near as well, many have a "read me first" link that is so deeply buried you...
by Epsilon Delta
Wed May 16, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1081

Re: External Portable Hard Drive

This makes me think I need to keep a small external drive more or less along side the Mac most of the time now, for backup purposes. Have you considered a NAS? Basically keeping the backup drive on the shelf next to your router rather than next to your laptop. It depends on how you work, but it is ...
by Epsilon Delta
Wed May 16, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 27
Views: 1400

Re: Debating whether to rebuild tractor or buy a new zero turn

Some people go overboard recommending and buying professional equipment. Professional equipment is designed to run forty hours a week or 24/7 or some similar standard. Most homeowners are doing a tiny fraction of that and new pro grade is way overkill and a waste of money for what is by commercial s...
by Epsilon Delta
Tue May 15, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Three sump pumps?
Replies: 10
Views: 907

Re: Three sump pumps?

Dual (or triple etc.) pumps should have separate discharge pipes and separate electric circuits. That helps avoid common mode failures. A shared breaker tripping should be an obvious problem. A shared discharge pipe can be a common mode failure if it freezes or if one of the non-return valves fails ...
by Epsilon Delta
Tue May 15, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 79
Views: 3958

Re: keyless ignitions and carbon monoxide

We always lock the interior door in the garage, with the deadbolt, AND set the home alarm. I bolt the exterior garage door when I'm home. Since there is no exterior handle for the bolts they'd have to cut through the door to open it. I'm not particularly worried about that since the house has windo...
by Epsilon Delta
Tue May 15, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3063

Re: Bicycle insurance? when you're in the roadway like a car

....a bicycle riding in the street by law is considered the same as a car/truck, so, why wouldn't they need their own liability insurance in the event they cause an accident? A bicycle ridden in the street is* a vehicle but it is not a motor vehicle . The insurance requirements are* in motor vehicl...
by Epsilon Delta
Tue May 15, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9852

Re: What have you baked recently?

I've been trying out various no-knead bread recipes. They are simple and yield a great finished product. Plus you can experiment using different baking vessels and technique variations for different results using the same base dough recipe. While I would not want to deter anyone from trying the no-...
by Epsilon Delta
Thu May 10, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5270

Re: What's the view on dogs running free?

Farm country, yeah, release the hounds. Location, location, location. Regardless of whether or not your dog runs free, you are responsible for your animals, animal. Many cities have ordinances against dogs running free. For good reason, as dogs are pack animals by nature. If it's near chickens, she...
by Epsilon Delta
Thu May 10, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax question
Replies: 21
Views: 1609

Re: Estimated tax question

Technically the single large payment does not meet the exact specifications of the safe harbor, but it does avoid any penalty when the full rules are applied. And fortunately the full rules are applied by the IRS's computers so it's no extra work for you. I'm curious why you believe that a single l...
by Epsilon Delta
Wed May 09, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax question
Replies: 21
Views: 1609

Re: Estimated tax question

Yes, a single large first quarter estimated tax payment is at least as good as paying 1/4 the amount in four quarterly payments. Technically the single large payment does not meet the exact specifications of the safe harbor, but it does avoid any penalty when the full rules are applied. And fortunat...
by Epsilon Delta
Wed May 09, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3094

Re: IRS tax form

Of course now that the IRS is allergic to distributing forms quite a few people use photocopies of the blank form.

To make the signature stand out I'd consider signing with ink with some texture. Perhaps one of those metallic glitter gel pens. :twisted:
by Epsilon Delta
Wed May 09, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: [Does the] S&P include QQQ 100 and dow 30 stock
Replies: 12
Views: 1060

Re: Dose S&P include QQQ 100 and dow 30 stock

However, the comparison site does have some suspect numbers: PERCENTAGE of VTI's 1469 holdings also in VOO: 34% https://www.etfresearchcenter.com/tools/overlap.php?f1=VTI&f2=VOO VTI has 3637 stocks of course https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0970&funds_disable_re...
by Epsilon Delta
Wed May 09, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: [Does the] S&P include QQQ 100 and dow 30 stock
Replies: 12
Views: 1060

Re: Dose S&P include QQQ 100 and dow 30 stock

I suddenly wondered if QQQ has significant international exposure... and so I tried this... and to the best of my knowledge, ETF Research Center is displaying an actual mathematical impossibility here. There either are common holdings or there are not. If there are some QQQ holdings in VXUS, it is ...
by Epsilon Delta
Wed May 09, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pay capital gains now, avoid ACA cliff later?
Replies: 22
Views: 2577

Re: Pay capital gains now, avoid ACA cliff later?

Muni bond interest is added back in to MAGI for ACA subsidy purposes. They could still be worthwhile, in the sense that the interest would not be triggering more taxes while working, and they could be sold to generate cash for living expenses after retirement, but they are awkward when dealing with...
by Epsilon Delta
Wed May 09, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: Rationale for placing high expected return funds in Roth rather than tIRA
Replies: 15
Views: 1062

Re: Rationale for placing high expected return funds in Roth rather than tIRA

In short, the only valid justifications for higher risk assets in a Roth versus tax-deferred has to either be based on the rather un-flat nature of our tax laws, or the issue of RMDs. I agree with this and would put it this way: We have a largely progressive income tax structure. The higher your as...
by Epsilon Delta
Wed May 09, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6062

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

In answer to the question in my previous post... Yes that is one purpose of the separation property, but there can be more than two risky assets. What that means is that everyone who picks the same surrogate for the risk-free asset and holds the same risky assets, and has the same expectations for ...
by Epsilon Delta
Wed May 09, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4833

Re: [Car accident claim exceeds coverage, send to collection agency?]

I think sometimes people who have truly don’t understand the dilemma of the have nots. Personally, if I were the OP I would not waste a second with this until my 4 walls were set and stable. One of the problems of the have nots is that if they do get ahead this type of problem comes out of the wood...
by Epsilon Delta
Wed May 09, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2851

Re: How to remove garden hose nozzle that is stuck on a hose

You can also prevent the problem from happening again by buying a quick disconnect and installing it between the hose and the nozzle. The disconnect fittings may still adhere to the hose or nozzle, but you needn't care since you can still use the disconnect.
by Epsilon Delta
Wed May 09, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1203

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

When converting data us a script or macro. Generally for converting an Excel file I would dump it to a comma separated file and then manipulate the text with Perl to clean it up before importing into the new data base. If you run a lot of conversion steps manually what happens is that after you've d...
by Epsilon Delta
Wed May 09, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Questions about RMDs
Replies: 36
Views: 4171

Re: Questions about RMDs

Did 3 different Taxable IRA distributions: Taxable IRA distributions Taxes due Tax Bracket $16,750.00 $881.00 12% $21,750.00 $1,976.00 12% $26,750.00 $3,086.00 12% FYI, as you can see from this calculation, you are in the 12% bracket, but your Federal marginal tax rate is about 22%. In fact it's pr...
by Epsilon Delta
Wed May 09, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Traditional IRA for us ?
Replies: 16
Views: 1087

Re: Roth IRA or Traditional IRA for us ?

Everyone who is considering any level of conversions should open a Roth account “yesterday”, as there is a 5 year clock associated with withdrawals from converted funds. For these purposes yesterday is Jan 1 2018. Opening the Roth at anytime during 2018 counts as yesterday . So while I agree with D...
by Epsilon Delta
Wed May 09, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: RMDs For Spouse As Beneficiary
Replies: 4
Views: 772

Re: RMDs For Spouse As Beneficiary

There is also the option of doing nothing. There is a default rule indicating that if you do NOT take a beneficiary RMD as required, you default to ownership status. Your beneficiary RMD is due by 12/31/2018 and if not taken you are deemed to have owned the IRS the entire year. As owner, your RMD i...
by Epsilon Delta
Fri May 04, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Reporting Recharacterization to IRS
Replies: 2
Views: 214

Re: Reporting Recharacterization to IRS

Did the tax return you filed include any form(s) 8606 to report the non-dedictible basis? A non-deductible contribution that is not recharaterized (e.g. your husbands) needs to be reported on form 8606. A non-deductible contribution that is recharacterized to a Roth contribution is not reported on a...
by Epsilon Delta
Fri May 04, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Valuing Yearly Police Pension Increase
Replies: 15
Views: 882

Re: Valuing Yearly Police Pension Increase

So here are the numbers based on my current salary of $72,500. 8-2019: $54,945 a year. 8-2020: $58,008 a year. Any input is welcomed. If I'm way off in my thinking on this, that's fine too. Assuming the pension is based on final salary, one thing you haven't factored in is the value of any raises (...
by Epsilon Delta
Fri May 04, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: How often ETF’s split?
Replies: 7
Views: 792

Re: How often ETF’s split?

The reason they would split is because if the price goes to say $1,000,000 per share you might be willing and able to buy a single share but I (and probably most people) wouldn't. The price is an issue of bookkeeping, market norms and a little psychology rather than economics. Mechanisms for owning ...
by Epsilon Delta
Fri May 04, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6062

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Epsilon Delta, I think you meant "the lower limb of the hyperbola does not satisfy..." No, I meant upper limb. In CAPM with a risk free asset the portfolios on the tangent line are better* than the portfolios on the hyperbola. The existence of unambiguously better portfolios means that the hyperbol...
by Epsilon Delta
Fri May 04, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

I offer my services as a heir to anybody who has a TIRA with basis.

Feel free to hate me if you like, although it is not necessary.


Required non-random smilies: :twisted: :shock: :beer
by Epsilon Delta
Thu May 03, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3335

Re: Receiving house after parents pass away - legal issues with siblings?

Various posters have suggested various ways this could be structured. You could also be treated as owning a portion of the house. Different approaches have different results if something doesn't go as planned. You really need to decide what you want, and since you've already done it, what you have a...
by Epsilon Delta
Thu May 03, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6062

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

It is not the efficient frontier graph. There is no tangent line in the efficient frontier graph. That's the point. The efficient frontier graph is only concerned with the combination of risky assets. Markowitz's efficient frontier says nothing about how to combine risky assets with lowest risk ass...
by Epsilon Delta
Thu May 03, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Withholding Calculator Says We will Owe $7700 in Taxes in 2018
Replies: 31
Views: 3371

Re: IRS Withholding Calculator Says We will Owe $7700 in Taxes in 2018

Is the new tax law limiting your itemized deductions? Has your employer started to apply the new withholding tables and is therefore withholding less? Also, the new tax law eliminated personal exemptions. For a family of three that itemizes, this has a similar effect to reducing deductions by a bit...
by Epsilon Delta
Fri Apr 27, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5754

Re: Learning to drive stick

electric cars don’t have a transmission. That's not always true. There is a trade off between size/cost of a motor and using a gear box. It takes a bigger motor to cover the whole range of speed/power without a gear box. In some cases it makes theoretical sense to use a smaller motor and a two spee...
by Epsilon Delta
Fri Apr 27, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Contributions Withdrawal Question
Replies: 14
Views: 995

Re: Roth IRA Contributions Withdrawal Question

You can withdraw conversions tax free at any time. There is a 10% penalty on the taxable part of the conversion if withdrawn within 5 years. However the bulk of the conversion that is part of a normal or mega backdoor Roth is not taxable, and this non-taxable part of a conversion can be withdrawn t...
by Epsilon Delta
Thu Apr 26, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1828

Re: DIY Desktop PC

4. Mostly an average user, but do want to experiment with CUDA programming / ML etc 4. So I was with you right till you said that. CUDA is parallel processing intended for use on GPGPU (General Purpose computing on Graphical Processing Units). Nothing cheap about GPGPU processing, you do it because...
by Epsilon Delta
Thu Apr 26, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Contributions Withdrawal Question
Replies: 14
Views: 995

Re: Roth IRA Contributions Withdrawal Question

I was under the impression that you couldn't withdraw contributions on conversions for 5 years. Since the mega backdoor would be after-tax 401(k), then converted to Roth, I assume I couldn't touch the principal (without penalty) for 5 years...which normally wouldn't be a problem, but the whole issu...
by Epsilon Delta
Thu Apr 26, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 2924

Re: how would you handle this--collecting life insurance

I'm sorry for your loss. If you don't feel like dealing with it now, and you don't have to deal with it now, then don't. After my wife died I could really only face saying "my wife died" about twice a day. Anything non-essential (which is pretty much everything) that was not handled with utmost disp...
by Epsilon Delta
Thu Apr 26, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: What would be an optimal annual plan for contributions including a Backdoor Roth?
Replies: 23
Views: 567

Re: How do you fund your Backdoor Roth and 401(k) contributions starting Jan 1st without dipping into emergency savings?

How do you fund property taxes and other lumpy expenses? Personally I do it opportunistically. If I have cash on hand from a year end bonus, tax lost harvesting, dividends or maturing CDs it feeds the IRA. If not I may sell some bonds or other funds without gains. Failing those I feed the IRA from i...
by Epsilon Delta
Thu Apr 26, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Does a 5 basis points difference matter when deciding between 500 Index and TSM?
Replies: 36
Views: 2126

Re: Does a 5 basis points difference matter when deciding between 500 Index and TSM?

I think I'd stick with the cheaper 500 Index and settle for highway robbery without the extra side of insult. If my other money outside of this 401k that could be used for a completion index such as Vanguard extended market I would definitely use the 500 Index. I'd also check that the 500 Index was ...
by Epsilon Delta
Thu Apr 26, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Casper Foam mattress doesn’t fit furniture frame
Replies: 14
Views: 1324

Re: Casper Foam mattress doesn’t fit furniture frame

I'm assuming you want to keep the bed frame because it matches the rest of the room, and that it's commodity furniture and not a Louis XV antique or something. I would take a real close look at that board in the middle and the construction of the frame. An lot of them come apart -- it's a right bear...