Search found 859 matches

by ladders11
Wed May 20, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 48
Views: 4114

Re: Tea supplier comparison

All kinds from Stash tea, Portland OR
by ladders11
Mon May 18, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: I work remote: Is buying a home away from a major city a major risk?
Replies: 39
Views: 4291

Re: I work remote: Is buying a home away from a major city a major risk?

More remote work may be the new normal. However due to tax law and employment complexities, not every employer is willing to hire an employee from any state. They are registered where current employees live. I believe there will be a persistent local bias in hiring decisions. I also believe there ar...
by ladders11
Sun May 10, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13076

Re: Will "work from home" destroy the commercial real estate market?

My employer has decided to keep all our offices closed at least into early 2021. We were one of the first major companies to close and we'll be one of the last to open. We closed in the first week of March and may well be closed till next March. After a year+ of WFH I think it will be here to stay ...
by ladders11
Sat May 09, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 3998

Re: Airline Stocks

Nobody where I'm from flew anywhere for work or pleasure until about 1995. It just wasn't normal. We're back to that for now! It's not a homeostatic need of humans to travel by plane, and we have videoconferencing for work. We're all these little jet setters used to planes now. Future unknown. The ...
by ladders11
Sun May 03, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 3998

Re: Airline Stocks

A bankruptcy here and there is not to be compared with an entire industry going bankrupt. I don’t think that option is necessarily the optimal one. For example, the bailout of the auto industry is widely heralded as one of the success stories. If all the airlines go bankrupt, what does that do to B...
by ladders11
Sun May 03, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 11840

Re: Berkshire Hathaway is hammered

I believe the reporting date for these amounts is March 31, 2020. If so, that was closer to the bottom and heavy on chaos. It could be that Buffet was evaluating opportunities but not necessarily holding back--just likely to actually make purchases in April. Yes, this is important to consider the a...
by ladders11
Fri Apr 24, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: How does the accounting profession fare during recessions?
Replies: 25
Views: 2269

Re: How does the accounting profession fare during recessions?

I think it does ok. If you are halfway decent you will probably be able to find a job in almost all economic environments. The job might be really lousy but at least it is a job. Even during good times you are not immune from corporate restructuring, cost cutting, and outsourcing. I know some very ...
by ladders11
Thu Apr 23, 2020 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 230
Views: 31906

Re: Car Dealers not really wanting to make a deal

heard an ad on the radio this morning from a large local dealer offering a new program "fully online" purchase. "no need to step foot on the dealer lot" I can't imagine dropping $30k on a vehicle without at least test-driving it...but maybe some people will? Although I test drove all the cars I bou...
by ladders11
Thu Apr 23, 2020 12:03 am
Forum: Personal Consumer Issues
Topic: Recomendation for indoor tree/plant to fill a large space?
Replies: 12
Views: 744

Re: Recomendation for indoor tree/plant to fill a large space?

Peace lily would be low maintenance and look nice.
by ladders11
Mon Apr 20, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6082

Re: How to negotiate severance if laid off?

I can only think of 2 types of possible leverage, although I wouldn't use either..... 1) Don't be helpful in transitions your remaining tasks or training your replacement 2) Mention that you feel singled out because of your age. In my experience with megacorp HR, they were absolutely terrified by t...
by ladders11
Mon Apr 20, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 230
Views: 31906

Re: Car Dealers not really wanting to make a deal

Barron's posted that used car prices have "cratered" citing something called the Mannheim Used Vehicle Index - which declined 11% from March, and is "down roughly 10% year over year". Pretty good support for those of us who feel it's a good time to buy used. Also, for every car you're guaranteed two...
by ladders11
Sun Apr 19, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Fun topic: options in/around Santa Barbara
Replies: 26
Views: 1463

Re: Fun topic: options in/around Santa Barbara

If living in SB a 3 mile / ten minute car ride from the beach is too far, you will never be happy.
by ladders11
Sun Apr 19, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10197

Re: Eating out after lock-down is lifted

If you say reduce seating by 50%, I don't see the business surviving by increasing prices by 50%. People enjoy going out but prices do matter and if that $15, 20, 30 meal becomes $22, 30, 45 that would make eating home much more likely. If seating is reduced by 50%, prices would have to go up 100% ...
by ladders11
Sun Apr 19, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Alternatives to Adobe Acrobat
Replies: 13
Views: 751

Re: Alternatives to Adobe Acrobat

One day I noticed Adobe Reader was almost 1 gigabyte on my Windows 10 laptop! Deleted. I've been using Chrome or Edge to read pdf's since then. Side note, if you're emailing the files they're in the cloud, whether you know it or not, so I don't know about the security strategy. Any of these password...
by ladders11
Sat Apr 18, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 230
Views: 31906

Re: Car Dealers not really wanting to make a deal

I think it's a great time to buy used. Market was soft before covid. Individuals or small dealers would want the cash. Do the work, get the bargains now. For new cars, as many mentioned factory shutdowns enable makers to constrict supply. They're not necessarily going to engage a discounting strateg...
by ladders11
Thu Apr 09, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19, Employer Quarantines, FMLA?
Replies: 3
Views: 395

Re: COVID-19, Employer Quarantines, FMLA?

In the case of the hourly staff who are covered by FLSA, I believe this applies: Travel away from home is clearly work time when it cuts across the employee's workday. The time is not only hours worked on regular working days during normal working hours but also during corresponding hours on nonwork...
by ladders11
Mon Mar 30, 2020 9:12 pm
Forum: Investing - Theory, News & General
Topic: Help me understand this market--or How can S&P be 2600 today?
Replies: 109
Views: 9396

Re: Help me understand this market--or How can S&P be 2600 today?

The "market" (i.e. people) begin to wake up and realize more and more that economic response to the virus is entirely self-inflicted. We are not forced to shut down businesses, sit home, etc. - it is out choice to do so, for reasons that are perhaps questionable. If we had sufficient medical suppli...
by ladders11
Mon Mar 30, 2020 8:38 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296834

Re: Coronavirus and the market

People are dying. I've never considered being morally repulsed by a market rally before now. But the story being spun is stimulus saving the market? I have always lived knowing what the market does on any given day doesn't "mean" anything. However people need saving. Medical professionals need suppl...
by ladders11
Fri Mar 27, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21014

Re: Are you still going to the grocery store or using a delivery service? Which?

Honestly just ventured out to the store, which as mentioned I kind of need to do because delivery is all booked up. I want to do my part and keep distances, acknowledging of course that I may be asymptomatic or others may be. Blunt feedback: There's no way to keep everyone six feet away. A man was c...
by ladders11
Thu Mar 26, 2020 11:47 pm
Forum: Personal Investments
Topic: When to jump back in?
Replies: 48
Views: 4875

Re: When to jump back in?

Certainly nothing is certain in this world. I don't think we're even close to out if the woods yet, health wise. I'm surprised people think the bottom is in. You could also wait until markets are above the 200 day moving average, for example. Something like this has research behind it and should pro...
by ladders11
Thu Mar 26, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6202

Re: Cruise Cancellation

I would not do a cruise due to health risks, closed borders, closed attractions. And the number of ships being denied port due to outbreaks (if it didn't get me, it might get other passengers). However if I were booked, I'd back out now and rebook later. Demand is going to be down and spaces will be...
by ladders11
Thu Mar 26, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21014

Re: Are you still going to the grocery store or using a delivery service? Which?

Stores around here have zero timeslots available to get delivery or pickup. Probably depends where you are located. I have to go out to the store unfortunately.
by ladders11
Sun Dec 15, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2726

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

Few years ago, I bought a 2002 Corolla for $5,300. I let my then 2 teens drive as their first car. Four years later, kids are out of college. They had few fender bender accidents. The cost to fix the car and the increase of insurance due to accidents, etc, would add up to a total cost of $10,000. A...
by ladders11
Sun Dec 15, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7248

Re: "Safer" places for Spanish immersion experience?

Yes, I can recommend a specific city that is the safest large city in Mexico and considered safer than any large city in the USA (statistically). And thousands of Mexicans in more dangerous areas have migrated there for safety. That city is Mérida, Mexico ... I can + 1 Mérida for some consideration...
by ladders11
Sun Dec 15, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7248

Re: "Safer" places for Spanish immersion experience?

Hmmmm! "Danger overblown!" ??? This story seems quite dangerous to me!! Your bio says you're posting from the "Washington DC area". I bet there are some people who have some similar stories of danger from time spent there as well. That is to say, I feel like we all get used to the risks of where we...
by ladders11
Fri Dec 13, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7248

Re: "Safer" places for Spanish immersion experience?

I would just go to Spain personally. I liked Madrid.
by ladders11
Fri Dec 13, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2726

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

I had an 06, only owner and no issues. Sold for $4500 in '16. Just so you can see - there's no depreciation on these, lol. Car never broke down. I swapped tires, battery, brake pads, belt, stereo (my preference), antenna, and wheel covers (fell off) at various points. Worst feature was honestly the ...
by ladders11
Sun Nov 24, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 12800

Re: [Tesla truck]

Until proven otherwise, this whole thing is a publicity stunt. Including the broken glass, and definitely the $100 deposits for a truck that isn't made yet. This guy throws whatever he wants at investors to see what sticks - there's so much loose money floating around that it works. See also: SpaceX...
by ladders11
Sat Nov 23, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4809

Re: TV purchase -- 55" or 65" vs viewing distance

+1 on rethinking not going with OLED. The picture quality is so much better. Most LCD/LED TVs don't even come close - and the few that do (with quantum dot this and micro LED that) cost as much as OLED, or more. Prices are very attractive now - $1700 online for a 65" LG C9. So we all have our prefe...
by ladders11
Sat Nov 23, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4809

Re: TV purchase -- 55" or 65" vs viewing distance

I was making this same choice recently and went 55. It is huge compared with the 40 it replaced. I sit about nine feet away.

One thing not mentioned is these sizes are a pain to move. The 55 is the largest set that fits in my car and the largest I can carry. I'm glad I didn't go bigger.
by ladders11
Thu Nov 07, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6685

Re: Airbnb - Guide a beginner

All else being equal you should stay in a hotel. Something I observed last time I traveled - hotel rates are actually pretty good right now. So many young people think airbnb first and have an odd dislike of hotels. Hotels are typically much more regulated, safer and cleaner. They're easier to find ...
by ladders11
Sun Nov 03, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 2446

Re: Website that shows salary/benefit/401k information for companies?

There is no database of salaries. Of course there is - Glassdoor, Salary.com, and (mostly California tech) levels.fyi or blind. Whats debatable is how accurate they are since everything is self reported by a small % of employees and not verifiable. HR departments typically buy access to proprietary...
by ladders11
Sun Nov 03, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 2446

Re: Website that shows salary/benefit/401k information for companies?

I know firsthand that companies can have negative reviews removed, if they're a paying customer of Glassdoor. Could you elaborate on this? I have a friend who is an engineer at Glassdoor and he insists that isn’t possible. I witnessed a couple of negative reviews being removed from a company's page...
by ladders11
Thu Oct 31, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4547

Re: Do I Have a Crummy Local Government Pension?

If you are only working part of your career in a pension job, the math works out much better if the pension job comes at the end of your career than at the beginning. That's just a fact of life and the result of two factors: (1) inflation, and (2) compound returns. This is good thinking and why I f...
by ladders11
Tue Oct 29, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4547

Re: Do I Have a Crummy Local Government Pension?

If you are only working part of your career in a pension job, the math works out much better if the pension job comes at the end of your career than at the beginning. That's just a fact of life and the result of two factors: (1) inflation, and (2) compound returns. This is good thinking and why I f...
by ladders11
Tue Oct 29, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a short career break in silicon valley
Replies: 13
Views: 3449

Re: Taking a short career break in silicon valley

If you are okay with, or even enjoy, your employer, then the question becomes more about them. Can you secure the appropriate assurances about your rehire and the terms thereof? If you would be on the open market, then the question is more about the value of your skills and how long it would take to...
by ladders11
Sun Oct 20, 2019 9:45 am
Forum: Personal Investments
Topic: 401(k) to 401(k) rollover considerations
Replies: 7
Views: 659

Re: 401(k) to 401(k) rollover considerations

Fees are not just expense ratio, right? Most of my 401k's (job hopper here) have swiped a random amount of money per quarter as the admin fee. Usually it seems to go up as the balance increases. They are not all equal.
by ladders11
Sun Oct 20, 2019 9:39 am
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2712

Re: On the fence with I bond- do you agree with this article?

When you have state or city income taxes, they are worth it to me. If you use i-bonds as emergency fund savings. When savings account and cd rates are lower, the i-bonds are much better. You also get the deferral so you gain the ability to shift the income to a lower tax year if you are unemployed o...
by ladders11
Fri Oct 11, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 2123

Re: Credit Card Statements-Save Paper Ones? Electronic?

As long as I still have the account open, I save nothing from credit card providers. All the info exists online and could be gathered. Keeping either paper records or pdfs on my own pc just duplicates effort and increases risk of loss or theft. If I have closed an account in the past I've saved a ze...
by ladders11
Wed Apr 10, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 8159

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I purchased the 2019 CX-5 Signature model with the 2.5L turbo engine in January. I am very happy with this car. I've driven in snow in the rocky mountains in combined city and highway driving and am getting decent gas milage so far. You can run it with regular or premium fuel, your choice. It handl...
by ladders11
Wed Apr 10, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Mini split AC - thoughts?
Replies: 23
Views: 2120

Re: Mini split AC - thoughts?

Lived with a mitsubishi mr slim as a renter. Super quiet, unobtrusive and strong. Had a minor issue with condensation drainage (hot and humid climate) but resolved it myself. Loved it overall, so much better than window units.
by ladders11
Wed Apr 10, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 8159

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have driven the non-turbo, it handles and accelerates better than anything in this class and price range (rav-4, crv, sportage, escape, etc). I guess there are always people with a luxury background, or who are unable to put their foot down quickly, that may perceive it to be underpowered, but it ...
by ladders11
Wed Apr 10, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner - need recommendation
Replies: 13
Views: 1198

Re: Robot vacuum cleaner - need recommendation

My eufy cost 100-125 and I do like it. I only have two carpeted rooms on a single floor, hardwood kitchen and hallway. No kids or pets. It took some getting used to because it doesn't really work in a discernible pattern.
by ladders11
Wed Apr 10, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5315

Re: Grand Canyon and Sedona

I have done this whole trip actually in reverse direction. I would suggest you arrive and stay in Vegas that day. Get up early the next morning and tour Hoover Dam, driving the 5 hours to the GC. You can either stay in Tusayan/GC Village right there, or if you have any interest just spend the evenin...
by ladders11
Sat Mar 09, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6730

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

I have driven several cars in this segment, CX-5 would be my choice. I would own one if they were a few thousand cheaper. Second choice would not be RAV-4 or CRV but most likely the Rogue based on their availability and saving money. Rogue does everything better than okay and lists much cheaper.
by ladders11
Fri Feb 15, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Serpentine Belt Squeal
Replies: 15
Views: 1836

Re: Serpentine Belt Squeal

I had this problem but it was fixed by getting a new belt. Maybe it is the type of belt? I switched from a Denso to a Goodyear Gatorback.
by ladders11
Sun Nov 25, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3334

Re: Time to buy/lease an electric or hybrid?

So you are looking at a one-off opportunity to buy a used Volt, especially the 2016 with 50 miles of EV range, for like 16-22k with options. If you are cool with that go for it. Realize I may sound like a car salesman but life doesn't offer many chances to buy something for 16k that sold for 33k on...
by ladders11
Fri Nov 23, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC online savings; comments?
Replies: 14
Views: 1785

Re: HSBC online savings; comments?

I opened online savings, cc and checking with HSBC 12-13ish years ago. I actually worked near a branch which seemed convenient in comparison to other online banks, and they have different footprint with branches around the world. Rates were good and bonuses were offered. About 6 years ago I tried to...
by ladders11
Fri Nov 23, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Renting car in Chicago - Christmas - what to expect?
Replies: 14
Views: 1428

Re: Renting car in Chicago - Christmas - what to expect?

If there is a blizzard or a foot of snow, I would recommend not going to Chicago or relying on the L train. If there is "some" snow like a few inches, the freeways and main roads will be taken care of, so you can drive from point A to point B if you go carefully. At no point would anyone utilize cha...