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I'm not sure I agree re (2). TLH isn't super difficult, but there are enough things to do wrong that it's easy to fuck up.

This should be easy to (mostly-)automate for much less than 0.25% per year. Something like a website where I enter the funds that I have and whenever it's time for TLH or re-allocation I get an email.

The main issues that I can think of are wash sales and the task of finding other funds that match your original fund.


The robo advisors charge an extra 0.3-0.4% on top of Vanguard's expense ratios. So at the very least, from a cost perspective, they're more expensive than just using Vanguard.

(Side note: The target date funds have slightly higher expense ratios than just rolling your own with the same underlying funds and "Admiral" share classes.)

The question is, what is the value you're getting out of Betterment/Wealthfront? I don't recall where, but I've seen one or the other say that its estimated value-add was 0.7-1%. So less their fees, that's net positive (if you trust that).

Automated tax-loss harvesting is a big deal for workers. It saves you a little income tax at your marginal rate.

Automated rebalancing removes some of the annual work associated with maintaining your own portfolio (but so does a target-date fund).

At the end of the day, I'm not sure they're worth the fees... I still manage my own (simple index-fund portfolio). But they're pretty close to worth it.


0.3-0.4% is way too high for a roboadvisor. Take a look at Betterment where their lowest tier is 0.15%.

Also interesting to note that for an equity heavy allocation, betterment at 15bp, is only about 10bp more than the Vangaurd Target Date funds at 18bp.

They tend to pick an asset allocation and stick to it (plus some automated whizz-bang stuff like rebalancing or tax-loss harvesting). Once picked, the asset allocation is a bunch of index funds. In general index funds are very good at tracking their benchmark indices.

So it's mostly a question of, do they do a good job of picking asset allocation from the start?


Hm, in our kernel, when we need to do floating point, we just set a flag on the thread control block which preserves the floating registers on context switch, and then do our floating point operations. Maybe there is some API abstraction hiding the messy details :).

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Assuming you care about the distinction between null and no such key (for many applications you can avoid storing null, IMO), you can actually perform the containsKey() after the get() for only keys which get() returns null. I think that see all of the perf overhead of a single lookup if most values are non-null.

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Anyone else get:

"""Error: Server Error

The server encountered an error and could not complete your request. If the problem persists, please report your problem and mention this error message and the query that caused it."""

When attempting to identify using a Google account?

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I didn't get this error here, however I recieved the exact same error when I used my german "..@googlemail.com" mail address to register on appengine. After changing it to "..@gmail.com" it worked. If you are german, you could try that as well.

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"NetBSD turns 20, still lives with parents."

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The network stuff is, yeah. But presumably you want your minecraft world to be durable, which means hitting disk. And you don't want your network stuff blocked behind that.

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ok makes sense but i wouldnt write every change to the disk anyway. The server state can well be kept inside memory and only be saved once in a while, but nevertheless doing that in a different thread would make sense.

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Well, C will be faster anyways... and the JVM is probably faster than v8 more times than not.

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How many people make < $100,000 (required for the 1040EZ), withhold the "default," and get a $10,000 refund?

(And re: "default", I've looked and looked, and can't find such a thing. How do you determine a "default" withholding from a W-4 other than just taking your expected income tax for the year and dividing by pay days? If you do that, you shouldn't have a $10,000 refund...)

For what it's worth, in 2012 I made less than $100,000 in AGI, withheld the W-4 default for my filing status (Single, Independent), and my refund was $650. More or less right on the mark.

Edit: Aha! Found it[0]. $100k biweekly is $1923/week of gross pay; let's ignore medicare and social security, etc. For Single/HoH, that's $344.20 + 28% of 1923-1732 = $397.68 weekly or $20679.36 / year[1]. Since our expected total tax is $18,500, we get back $2,100 in refund. Big-ish, but not $10,000. And only 2% of $100k.

[0]: http://smallbusiness.chron.com/calculate-employer-federal-wi...

[1]: page 44 of http://www.irs.gov/pub/irs-pdf/p15.pdf

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Honestly, my examples were based on true stories about people that I know that I've heard in the very recent past. One person makes far, far less than $100K and received just below a $10,000 refund.

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