Search found 1110 matches

by Whakamole
Wed May 20, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3542

Re: Safely disinfecting frozen food packages from corona virus?

I just put them in the freezer.

I'm not aware of any cases where someone has caught the virus from handling frozen food packaging.
by Whakamole
Tue May 19, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3400

Re: Sources for N95 masks

Have you tried asking your social media network? I bet somebody you know has a stash of N95s and would spare you one. The problem is those who have N95 masks know that they cannot be easily replaced right now, selling them at cost is crazy, and selling them at what they'd go for on the market (exam...
by Whakamole
Sat May 16, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3312

Re: What to do with canned chicken?

I placed a grocery order last night and my grocery store is now limiting the amount of meat that you can buy. This isn’t over yet. Keep the canned chicken. Agreed. There are lots of things to do with canned chicken, and you may regret not having a handy shelf-stable protein source later this year.
by Whakamole
Fri May 15, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7612

Re: Ally lowers APR on savings from 1.5% to 1.25%

Alliant is at 1.2%.

Out of curiosity, I checked the CD options through Vanguard. 1 year CDs paying 0.25% and that's the best rate :shock:
by Whakamole
Tue May 12, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 117
Views: 7257

Re: Undoing your already-taken RMD for 2020

I took my RMD from an inherited IRA in January; it sounds like I am SOL?
by Whakamole
Mon May 11, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3650

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

I have been working from home second month now, and i am enjoying all the benefits of working from home. From what i understood so far, our company will keep us working from home for a long time (rest of the year), with a real possibility to make it permanent (our performance not only stayed the sa...
by Whakamole
Mon May 04, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12977

Re: Is Disney the most tempting value stock?

I don't think so. Disney will be hit hard by covid-19 and the markets know it. They are losing a ton of money right now. When they do open the parks when will they return to normal? It is pretty impossible to socially distance there. The digital side of the business will be fine but I'd be concerne...
by Whakamole
Sun May 03, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16218

Re: Neighbor’s contractor wants to access our property

I would reply saying that you do not feel comfortable having contractors in your yard with the ongoing coronavirus pandemic.
by Whakamole
Sat May 02, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 336
Views: 29023

Re: JPM Chase Reserve Card gets more expensive

I would be very careful when you downgrade not to lose the UR points associated with the Reserve. You don't lose UR points when downgrading. I don't know what Chase's policy is on refund of annual fee on the Reserve. I suspect it is pro rata--but don't know. Yes, after 30 or 40 days (I forget which...
by Whakamole
Sat May 02, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 336
Views: 29023

Re: JPM Chase Reserve Card gets more expensive

My renewal is not until September, but is there any reason not to switch the card to Freedom Unlimited now? I have a decent amount of points (150K+), is it even worth keeping these points around or better just to cash them out? I would be very careful when you downgrade not to lose the UR points as...
by Whakamole
Sat May 02, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 336
Views: 29023

Re: JPM Chase Reserve Card gets more expensive

My renewal is not until September, but is there any reason not to switch the card to Freedom Unlimited now?

I have a decent amount of points (150K+), is it even worth keeping these points around or better just to cash them out?
by Whakamole
Thu Apr 30, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: SHould I have my kid pursue coursera / edx courses?
Replies: 19
Views: 1222

Re: SHould I have my kid pursue coursera / edx courses?

I did not find Coursera courses very useful. The ones I took were focused on machine learning.
by Whakamole
Thu Apr 30, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1882

Re: Can High School Students Working Part-Time Get Unemployment?

She should just find another job. Don't get her in the habit of relying on the government. Our area has lots of jobs for teenagers right now, grocery stores, etc. Sounds like it was part of the school program. Make sure she walks to work, too. We wouldn't want her to become dependent on those gover...
by Whakamole
Tue Apr 21, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: NYTimes: Plunge in Convention Hotel Travel Puts Municipal Bonds at Risk
Replies: 16
Views: 1444

NYTimes: Plunge in Convention Hotel Travel Puts Municipal Bonds at Risk

https://www.nytimes.com/2020/04/14/business/convention-hotels-municipal-bonds-coronavirus.html I'm not currently invested in municipal bonds, but it may be worth checking your muni allocation to see if you are actually invested in revenues from hotels, stadiums, and other services impacted by the co...
by Whakamole
Mon Apr 20, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10184

Re: Eating out after lock-down is lifted

State of New Jersey requires face masks. I also believe New York now does as well. Governor Cuomo has publicly stated there are no penalties for not wearing a mask... In New York, the penalties for ignoring the order are, for now, still theoretical. “If people don’t follow it, we could do a civil p...
by Whakamole
Mon Apr 20, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10184

Re: Eating out after lock-down is lifted

Interesting. It seems that essential businesses in Philadelphia are now required to deny entry to people not wearing masks, but people are not otherwise required to wear masks. https://6abc.com/health/pennsylvanians-required-to-wear-masks-to-enter-essential-businesses/6115227/ But what about custom...
by Whakamole
Mon Apr 20, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: 60% now say: September or later
Replies: 13
Views: 2217

Re: 60% now say: September or later

I truthfully don't know how anyone could answer June or July to that. There's just no fathomable way life will be normal by then. Who's going to go to a movie, concert, or busy restaurant in July? Is there ANY chance baseball games are happening with fans in seats? None of that has to do with legal...
by Whakamole
Mon Apr 20, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10184

Re: Eating out after lock-down is lifted

mptfan wrote:
Mon Apr 20, 2020 9:55 am
michaeljc70 wrote:
Sun Apr 19, 2020 2:40 pm
I don't know of any major chain requiring shoppers to wear face masks though I know some cities have required that.
What cities require face masks?
Philadelphia.
by Whakamole
Sun Apr 19, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1420

Re: Should I give blood now?

pahkcah wrote:
Sun Apr 19, 2020 5:45 pm
And, a quick question - For those who have recently donated, has anything changed regarding the availability of cookies/crackers and juices after donating?
I don't think so, but I'm not sure if coffee was available. Juices/water and sealed snacks were still available.
by Whakamole
Sun Apr 19, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1420

Re: Should I give blood now?

I donated blood two weeks ago. I live in the Seattle area which uses an independent blood bank, rather than the American Red Cross. They've shut down all mobile and off-site drives - you have to go to the blood bank, and you must make an appointment. They're enforcing social distancing, they wear ma...
by Whakamole
Sun Apr 19, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6846

Re: Neiman Marcus to file for bankruptcy

CardinalRule wrote:
Sun Apr 19, 2020 10:40 am
Yep, most of the articles that appear will refer to Neiman Marcus as a chain of "luxury" department stores. Because that is what it is. :happy I do suspect that many of the brands carried by Neiman Marcus will fare relatively well during this downturn.
Who is buying dress clothes now?
by Whakamole
Sun Apr 19, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 70
Views: 6168

Re: Cons of i bonds?

Cons? The hassle, if you so choose, of converting the $5K paper bonds from your tax refund to electronic form. I had to laugh to think anyone would voluntarily convert from great paper bonds to electronic. (I currently hold $381k in paper bonds after my $5k fed refund in paper came last week) Could...
by Whakamole
Sat Apr 18, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10184

Re: Eating out after lock-down is lifted

I’m already back to eating out every day. It’s not the same with social distancing, even out here in the sticks, but it’s still the only human interaction I get every day. Despite being an introvert, seeing other humans is necessary for mental health. So I will “risk” it. This is why I am eagerly a...
by Whakamole
Sat Apr 18, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4089

Re: Vanguard's Treasury Money Market funds are closed...

I'm moving my cash from Vanguard money market funds (Federal, not even Treasury) to high yield savings. There's no reason to take that much of a haircut on return with no gain.
by Whakamole
Tue Apr 14, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: Airbnb getting hit?
Replies: 50
Views: 4655

Re: Airbnb getting hit?

I don't live in an AirBNB town, but we are about 45 minutes outside NYC. Houses are flying off the market here, either being purchased sight unseen or rented. We assume it is people fleeing NYC either as temporary rentals or permanent movers who finally made the decision to leave the city. I'm curi...
by Whakamole
Sun Apr 05, 2020 1:24 am
Forum: Investing - Theory, News & General
Topic: Amazon Automation - Passive Income "Investment"
Replies: 6
Views: 1277

Re: Amazon Automation - Passive Income "Investment"

Why doesn't he take out the loan, or raise capital, if the returns are so good? Why advertise on YouTube?

Scam.
by Whakamole
Mon Mar 30, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5630

Re: Costco Delivery

The lack of delivery time slots is directly related to instacart shoppers strike starting Monday since Costco teams up with instacart for grocery delivery. Have you tried Whole Foods? I just got a monthly Prime membership so I can get groceries delivered from WF for free. They are slammed as well, ...
by Whakamole
Sun Mar 29, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

I've been going for almost daily solo drives just to get out of the house. Letting it sit for weeks on end seems like a waste. Not allowed in WA state unless you are doing it for an approved reason (grocery shopping, pharmacy, perhaps outside recreation if you can find a place that is open and isn'...
by Whakamole
Fri Mar 13, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22352

Re: International is in meltdown

I took tax losses yesterday in VTIAX shares I had been holding since 2016.

I harvested it and went into other international funds. And shifted money from bonds into international.
by Whakamole
Fri Mar 13, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Market Timing - Should we have seen this coming?
Replies: 67
Views: 3828

Re: Market Timing - Should we have seen this coming?

However, I am seeing some people of this forum who claim to have sold their stocks off 3 weeks ago. They timed the market and won. They also said this was easy to see coming, as China shut things down, Europe, etc. Don't believe everything you read. People lie. Not everyone who claims to have sold ...
by Whakamole
Thu Mar 12, 2020 12:51 pm
Forum: Personal Investments
Topic: TLH partners for VTIAX/VFWAX
Replies: 2
Views: 186

Re: TLH partners for VTIAX/VFWAX

I have losses in both now, yippie. Enough to cut my tax bill for a few years. I was originally thinking of moving to 80% VTMGX (Developed Market)/20% VEMAX (Emerging Market), but it sounds like I can place a sell order for my mutual fund shares and place an IXUS order for the end of day, and it wil...
by Whakamole
Thu Mar 12, 2020 12:10 pm
Forum: Personal Investments
Topic: TLH partners for VTIAX/VFWAX
Replies: 2
Views: 186

TLH partners for VTIAX/VFWAX

I have losses in both now, yippie. Enough to cut my tax bill for a few years. I was originally thinking of moving to 80% VTMGX (Developed Market)/20% VEMAX (Emerging Market), but it sounds like I can place a sell order for my mutual fund shares and place an IXUS order for the end of day, and it will...
by Whakamole
Tue Jan 28, 2020 1:48 am
Forum: Investing - Theory, News & General
Topic: Peter Thiel: "But the mood is not like late '99"
Replies: 17
Views: 3315

Re: Peter Thiel: "But the mood is not like late '99"

"And then Secular Stagnation--in the Larry Summers form, just to be specific about what we're talking about--means again that you should be long the stock market, the stock market's going to keep going up because things are so stagnant the real rates will stay low forever. So they are equally bulli...
by Whakamole
Fri Dec 27, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: Question about SECURE and no more stretch IRAs
Replies: 50
Views: 3763

Re: Question about SECURE and no more stretch IRAs

elainet7 wrote:
Fri Dec 27, 2019 8:01 am
[OT comment removed by admin LadyGeek]

no matter how much we convert our kids will each receive a 7 figure inherited IRA(should have had more kids)
You can add me to your estate, a 7 figure inherited IRA is a problem I would like to have :beer
by Whakamole
Wed Oct 30, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 953

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

30s sounds about right. Even the lowlands are cold; that's the downside of it being sunny right now, at least in the Seattle area. I wouldn't count on the weather being stable, bring cold weather gear (and probably rain/mud gear) if you plan to go on some hikes. If you end up going to Victoria while...
by Whakamole
Sun Oct 27, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5715

Re: First Republic Bank doesn’t have physical coins

ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting. :-? ftw = "for the win" What does “for the win mean”? https://en.wiktionary.org/wiki/for_the_win So I have to do research to figure out what you are trying to communicate? Fortunately there are e...
by Whakamole
Fri Oct 25, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5715

Re: First Republic Bank doesn’t have physical coins

mptfan wrote:
Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote:
Fri Oct 25, 2019 10:45 am
Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
ftw = "for the win"
by Whakamole
Tue Oct 22, 2019 1:00 pm
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1803

Re: Helping widowed mother with investments

We'd like to have a neighbor show her how to take photos of mail she gets on her phone and send it to us. You can also, with your mom’s permission, sign up for “Informed Delivery” for your mom’s address with USPS. I get a daily email that includes a picture of the outside envelope for (almost) ever...
by Whakamole
Tue Oct 22, 2019 11:45 am
Forum: Personal Investments
Topic: Helping widowed mother with investments
Replies: 17
Views: 1803

Re: Helping widowed mother with investments

OK, part 2 of this, now that I have gotten the cost basis adjusted, gotten rid of some clunkers, and more of a handle on assets and income. As a refresher, mom is 80. Her monthly income is $1200 through Social Security, $1700 through a Federal government pension, and we expect that she'll be getting...
by Whakamole
Mon Oct 21, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5797

Re: Updgrade car for new safety features?

I'm a fan, in general, of the new active safety features. Nearly three years ago we bought a Subaru Outback with Eye Sight and it's been amazing. However, the parts of it that I love so much might not apply to your situation. I will never buy another car without adaptive cruise control (ACC) - and ...
by Whakamole
Sun Oct 20, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5797

Re: Updgrade car for new safety features?

2) If you turn your head and look does blind spot monitoring even make a difference? I mean, personally, even if I had the monitoring, I would still look before changing lanes. Not sure I see the purpose unless the driver tends to change lanes... then look, which is so common :) At least on the Sub...
by Whakamole
Fri Oct 18, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - RMD on Inherited IRA
Replies: 29
Views: 2268

Re: Tax Question - RMD on Inherited IRA

I'm not sure I'm getting accurate info from my late mother-in-laws financial advisor. MIL passed away in Feb 2019 at the ripe old age of 92 so she had been taking RMD's from her IRA. The IRA has since been equally separated and distributed as inherited IRAs to seven siblings, one being my DW. Since...
by Whakamole
Fri Oct 18, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8733

Re: Why are Mazda CX-5’s sales so much less than other brands?

FWIW, I was in an auto accident recently, and asked my adjuster what she recommended as a safe car. She said Subaru. Specifically Outback and Forester. She gave a few examples of people who were in severe accidents and just walked away with no injuries.
by Whakamole
Tue Oct 15, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2477

Re: Inappropriate touching in a workplace- What is the best act?

Get an attorney well-versed in workplace harassment (and that includes inappropriate touching); if you can find one familiar with this specific workplace, even better. Get their advice.
by Whakamole
Thu Oct 10, 2019 5:28 pm
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3122

Re: Vanguard - Benefits of maintaining 500K balance

Stock trades are a little cheaper.