Search found 6528 matches

by Epsilon Delta
Tue Dec 12, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 44
Views: 3144

Re: Vanguard Security Keys

Whatever the yubikey sends back can be happily forwarded by the rogue site in the middle on to Vanguard just like an SMS test code would be. If this is done properly using the yubikey is end to end. For example the yubikey should be used to sign the name of the website the browser is talking to. Va...
by Epsilon Delta
Tue Dec 12, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Backdoor process clarification
Replies: 5
Views: 452

Re: Backdoor process clarification

Hello, I have a traditional IRA and a Rollover IRA. I just initiated a transfer to my employers 401k as i am attempting to do a backdoor Roth conversion, and want to make sure my understanding is correct. I am not sure if Fidelity will pull the funds out of the account by the end of this year. With...
by Epsilon Delta
Tue Dec 12, 2017 4:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 44
Views: 3144

Re: Vanguard Security Keys

I am never sent an SMS text when using the security key to log in. Only once, when I was initially learning not to use the key with the device on anything but a flat surface, I had to resort to SMS text as backup. Since then, I've always used the key and never request or receive an SMS code. If you...
by Epsilon Delta
Tue Dec 12, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: One rollover per 12 months or calendar year per IRS rules?
Replies: 8
Views: 392

Re: One rollover per 12 months or calendar year per IRS rules?

Beginning after January 1, 2015, you can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs you own. The one-per year limit does not apply to: rollovers from traditional IRAs to Roth IRAs (conversions) trustee-to-trustee transfer...
by Epsilon Delta
Mon Dec 11, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 100
Views: 3058

Re: Snow Tires? Worth it?

wilked wrote:
Mon Dec 11, 2017 11:11 pm

Floor jack, lug wrench, and torque wrench
You also need either anti-seize or a six foot breaker bar.

Any man who puts nuts on dry would letterspace blackletter.
by Epsilon Delta
Mon Dec 11, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 44
Views: 2358

Re: Linux based laptop or just a Windows based laptop formatted?

I'm pretty sure Google Sheets won't do the 20% of Excel that only pondering uses. Not just for Excel but for any of the office apps, there's the real thing, and then there's everything else. That 20% is usually things that shouldn't be done: https://imgs.xkcd.com/comics/bad_code.png Credit to Randa...
by Epsilon Delta
Mon Dec 11, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Beneficiary IRA & Investing?
Replies: 4
Views: 318

Re: Question about Beneficiary IRA & Investing?

Welcome. Sorry for the loss of your father and best wishes for a complete recovery from your accident. Whether and how to invest the beneIRA money is independent of any withdrawals. You can use the cash in the beneIRA to buy stock or bond funds at TDAmeriTrade. Or you could transfer the beneIRA into...
by Epsilon Delta
Mon Dec 11, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 44
Views: 3144

Re: Vanguard Security Keys

The sooner more people adopt security keys the more likely it is that Vanguard will change their rules and deprecate using security codes. If security codes are purely a backup recovery mechanism Vanguard could do something like insert mandatory delays, as they do when you reset your forgotten passw...
by Epsilon Delta
Mon Dec 11, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for biz owner with employees?
Replies: 3
Views: 169

Re: IRA for biz owner with employees?

So Traditional IRA would be the only option for me as an individual. Looks like those have the same income limit as Roth. So all in all I’d be able to contribute $5.5K into Traditional and another $5.5K into Roth. Is that correct? No. There is a single $5,500 annual contribution limit for tradition...
by Epsilon Delta
Mon Dec 11, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1499

Re: Kerosene Heater (for power-out emergencies)

I've been researching heaters I could use here in New England if we get a lengthy power outage. We've had a few over the years that lasted 10-15 hours, and it doesn't take long for the indoor/outdoor temps to equalize. Have you considered insulation and air sealing? The temperature need not equaliz...
by Epsilon Delta
Sun Dec 10, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Silicone Rings
Replies: 12
Views: 1466

Re: Silicone Rings

I can see silicone rings being acceptable where the danger is mechanical damage to the wearer, or in electrical work where a metal ring could cause a short and damage the equipment or the wearer. But in the medical context rings are an infection hazard. I can see no reason a silicone ring would be l...
by Epsilon Delta
Sun Dec 10, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1462

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: 30
Views: 3109

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: 796

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: 25
Views: 1846

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: 34
Views: 2110

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: 612

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: 6582

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: 100
Views: 10644

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: 1070

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: 6582

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: 980

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: 51
Views: 2994

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: 1048

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: 51
Views: 2994

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: 5365

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: 6582

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: 1957

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: 753

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: 753

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: 1169

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: 2339

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: 1931

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: 1169

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: 549

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: 358

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: 5767

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: 236
Views: 18622

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: 8304

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: 1550

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: 1550

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: 1550

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: 236
Views: 18622

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: 1338

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: 1993

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: 2263

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: 1550

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: 1552

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: 8304

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: 1012

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 ...