Search found 418 matches

by InvisibleAerobar
Wed Jul 01, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Student applicant receiving asynchronous co-op employment position offers
Replies: 8
Views: 621

Re: Student applicant receiving asynchronous co-op employment position offers

It's a grey area. Either choice can be/is fine and depends on your perspectives and values. If it was my kid, I'd tell them (as I do with everything) "you made a commitment, you keep it"). But if you don't keep that comitment to company A; honestly, they won't care. It won't break their heart. I lo...
by InvisibleAerobar
Tue Jun 30, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Student applicant receiving asynchronous co-op employment position offers
Replies: 8
Views: 621

Re: Student applicant receiving asynchronous co-op employment position offers

I suppose technically you owe Company A nothing assuming you didn’t sign an agreement otherwise. But not at all sure it is a good idea to play co-ops off of one another after you have already started training. It would leave a bitter taste in my mouth as a manager at Company A if you accepted my of...
by InvisibleAerobar
Tue Jun 30, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Student applicant receiving asynchronous co-op employment position offers
Replies: 8
Views: 621

Student applicant receiving asynchronous co-op employment position offers

Quick question (which is bolded and underlined below) about receiving asynchronous job offers and factors to consider. Purposely making this a bit obtuse. Say one applies to two co-op type positions (viz. internship-like position to run during the school year). Company A is a Fortune-500 sized compa...
by InvisibleAerobar
Wed Jun 10, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12504

Re: Face mask recommendations

Brooks Brothers has 5 for $20. They are nice cotton masks / washable and even have a rating. Brooks Brothers is selling ear loop masks they claim use material that has been tested to filter 86% greater than .3 (so like an N86 essentially) assuming it makes a seal with your face. Quality is good so ...
by InvisibleAerobar
Tue Jun 02, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6201

Re: Career advice for science PhD student

Staying at the patent agent level is something I've thought might work well. Do firms actually keep agents on or do you get chewed up/spit out after a while when someone new comes along that they can pay less? It seems like that might be a risk since the amount of requisite training is lower. It's ...
by InvisibleAerobar
Sat May 30, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6201

Re: Career advice for science PhD student

On law/business school: I was already very apprehensive about doing any additional formal schooling, so the comments on MBA/JD programs have been very informative. Staying away from those, as some of you have advised, seems prudent since I am already debt-free . Racking up tuition debt would be a m...
by InvisibleAerobar
Sat May 30, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Lifelong New Yorker relocating to Philly for FIRE?
Replies: 39
Views: 3193

Re: Lifelong New Yorker relocating to Philly for FIRE?

Thanks everyone for the responses, really appreciate it! A little more info: Income:225k base, 45k bonus (not guaranteed) = 270k Yearly expenses: about 25k Savings Rate: Was about 50% of gross last year when income was only 230k, so probably higher this year Networth not counting housing: About 430...
by InvisibleAerobar
Mon May 25, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

What time of the day would you recommend? And I presume one should get as close to the water as possible? We probably missed our opportunity this year, but I'm hoping to get on it next year. Not necessarily close to water, but definitely true for some birds (e.g. Wood Thrush). Most (all?) of the wa...
by InvisibleAerobar
Sat May 23, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Jealous. Where do you live? I think migration in NJ is starting to wrap up. Upper Midwest. The Magnolias breed here, as do Northern Parulas. DW saw another Cerulean (perhaps the same one she saw before) earlier in the week. It's getting tougher to find the warblers as the most of the trees are full...
by InvisibleAerobar
Thu May 21, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Just found this thread, how cool!! Im in SE Florida, so most all our migrants are back up north. Now its just mockingbirds, blue jays, cardinals, red bellied woodpeckers, pileated woodpeckers, and barred owls in the yard. I had a flock (20-30) of painted buntings from late August 2019 until May3rd ...
by InvisibleAerobar
Tue May 12, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

While shopping at Costco's today, I heard an unfamiliar bird call. When I got closer to it, I can see that it was flying, and almost nonstop, kinda like a swallow. The colors, though, seem muted (and it was hard to identify under the afternoon sun). Color pattern resembles that of a house sparrow, b...
by InvisibleAerobar
Tue May 12, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 1002

Re: Asking renter to obtain renter's insurance; what benefits to highlight?

thanks to everyone for chiming in Unfortunately, there is no lease right now. There was one when the tenant first signed eight years ago, but it has since been converted to month to month I agree with others who mention that any requirement for renter's insurance should be addressed at lease renewal...
by InvisibleAerobar
Tue May 12, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 1002

Asking renter to obtain renter's insurance; what benefits to highlight?

Note: para 1 & 2 are background. Meat of issues for which I'm seeking advice starts with para 3 I'm helping my dad to draft up a request to the current tenant, requesting the tenant to obtain renter's insurance if there isn't current one or provide proof is there currently is. The obvious benefit to...
by InvisibleAerobar
Mon May 11, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

This is the most glorious thread on the Bogleheads forum - thank you JAZZISCOOL for starting this :D Hear hear ---------------------------------------------- I now get a front window view to a pair of robins nesting on the porch lamp of my cross-the-street neighbor. They actually took over the spot...
by InvisibleAerobar
Sun May 10, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Last night I was awoken around 4:30 AM by two - possibly three - Barred Owls calling back-and-forth.......very loudly........amongst one another. David What a hoot, literally Bad puns aside, I always have a pair of earplugs on my nightstand. Simply wasn't necessary when I lived in urban settings (N...
by InvisibleAerobar
Wed May 06, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Could you share a bit more about your trip? We were at Susquehanna State Park - about a two hour drive from our house. It is a fairly large park on the Susquehanna River with quite varied habitat. In a normal year, we would stay in Havre de Grace the night before and start early (right before sunup...
by InvisibleAerobar
Wed May 06, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5517

Re: Do you keep moving your cash around chasing yield?

Could someone clarify the listed yield for money market funds (e.g. VMFXX or SWVXX) and clarify if that factors in the expense ratio? For instance, SWVXX has 7-day yield of 0.52% and expense ratio of 0.34%. What’s the overall yield? And is there a chance I’ll end up with negative return? Quoted yie...
by InvisibleAerobar
Wed May 06, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Two female Rose-Breasted Grosbeaks at the feeder today. Just got back from a state park. ~ 70 species, 16 of which were warblers. Too many to list. Could you share a bit more about your trip? E.g. location, time when you went in, duration of stay, etc? Also, is this # of sightings common? Did you I...
by InvisibleAerobar
Tue May 05, 2020 7:05 pm
Forum: Personal Investments
Topic: Buying first lien bond issuance
Replies: 5
Views: 481

Re: Buying first lien bond issuance

Understood; thanks for the informative posts.

I thought these may have been only for institutional investors and search.
by InvisibleAerobar
Mon May 04, 2020 1:25 pm
Forum: Personal Investments
Topic: Buying first lien bond issuance
Replies: 5
Views: 481

Re: Buying first lien bond issuance

Thanks for chiming in These bonds in question are paying per annum coupon of 7%. And the fact that it's senior debt and debt that's collateralize by something quite tangible would suggest high probability of at least breaking even. Or perhaps not, and whoever purchases it gets wiped out like shareho...
by InvisibleAerobar
Sun May 03, 2020 6:16 pm
Forum: Personal Investments
Topic: Buying first lien bond issuance
Replies: 5
Views: 481

Buying first lien bond issuance

Does anyone know if these are available to regular retail investors, and, if so, how one may go about purchasing them? Some of the troubled airlines have issued first lien bonds, and I'm thinking of perhaps buying some with "play money". Not even sure if the amount I'm thinking of is sufficient to g...
by InvisibleAerobar
Sun May 03, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5517

Re: Do you keep moving your cash around chasing yield?

Could someone clarify the listed yield for money market funds (e.g. VMFXX or SWVXX) and clarify if that factors in the expense ratio?

For instance, SWVXX has 7-day yield of 0.52% and expense ratio of 0.34%. What’s the overall yield? And is there a chance I’ll end up with negative return?
by InvisibleAerobar
Sat May 02, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

More info on House Finch Eye Disease (Mycoplasma gallisepticum conjunctivitis): House Finch eye disease is caused by bacteria that can accumulate on bird feeders when visited by sick finches. House Finches are by far the most common victims, but the disease also strikes American Goldfinches and, ra...
by InvisibleAerobar
Thu Apr 30, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

minesweep wrote:
Thu Apr 30, 2020 4:26 pm
A female red-breasted grosbeak at one of my sunflower feeders.
Where in PA?

I'd loved to have spotted a grosbeak when I was living in Philly
by InvisibleAerobar
Wed Apr 29, 2020 1:53 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 157
Views: 16022

Re: CIT slow to credit my account

Is this normal? It has taken six business days (and eight calendar days) for CIT to credit the transfer from my checkings account. The money was transferred (via ACH) on April 20, but today is the first day on which "Available Balance" (as opposed to "Current Balance") is showing a positive amount....
by InvisibleAerobar
Tue Apr 28, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

The barn swallows have returned to a nest on my porch. A house finch was in another old swallow nest so it will be interesting to see if they can co-exist or if the finches will find another nest. :happy Post is worthless without pictures (just kidding) As I grumbled above, would love to have birds...
by InvisibleAerobar
Tue Apr 28, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Newly married, want to ascertain we understand rules re: HSA and IRAs
Replies: 11
Views: 669

Follow up re: Roth IRA

One follow up, does anyone know if I could do payroll deductions to fund my wife's Roth IRA?

That's how I fund my own Roth IRA, but the name on that account is my own.

Thanks in advance
by InvisibleAerobar
Tue Apr 28, 2020 11:30 am
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 157
Views: 16022

CIT slow to credit my account

Is this normal? It has taken six business days (and eight calendar days) for CIT to credit the transfer from my checkings account. The money was transferred (via ACH) on April 20, but today is the first day on which "Available Balance" (as opposed to "Current Balance") is showing a positive amount. ...
by InvisibleAerobar
Mon Apr 27, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

MP173 - me too! My robin made a big nest right in the wreath and I have a door with glass too. We are forbidding ourselves from opening the door since she's on eggs and we don't want to disturb her. I was surprised a robin would choose so close to the house. the next appeared overnight and has lots...
by InvisibleAerobar
Sun Apr 26, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

We have a robin nesting in a wreath on our front door. She is very tame. The door is glass where the wreath and nest are and I can stand inside at the door and watch her. So far - 4 eggs since April 17th none hatched yet. Ed I think the incubation period is slightly shorter than two weeks, and the ...
by InvisibleAerobar
Sun Apr 26, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

What a cutie. Thanks for the pic. There's a green bird similar to that in Hawaii. Dark green (finch? not sure), but same eyes with the black ring. It has a "Japanese Nickname". Mejiro. . . think so. Used to have tons of them chatter away outside my bedroom window when growing up. online pic. https:...
by InvisibleAerobar
Fri Apr 24, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Thanks to everyone with the help on ID. A few years ago I saw a golden crowned kinglet. It was flying up on the top of a spruce tree, and just near impossible to get any sort of clear shot. This one was more "well-behaved" in comparison. Also saw a wren (most likely house wren) today. Some of the se...
by InvisibleAerobar
Thu Apr 23, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

I presume this is a ruby crowned kinglet (I don't think the reddish patch on the forehead is an artifact)? At first I thought it could be a female goldfinch, but this one moves a bit too often. Due to the bad lighting, sh**ier camera, and the fidgety bird, I couldn't get a good focus on it I think t...
by InvisibleAerobar
Mon Apr 20, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3650

Re: Coffee Experts - Help with an online coffee order

I'm looking to buy some coffee - would like to spend $10-$18 / pound and have it shipped to me. I'd like to get: 1. A nice light roast that is great for cold brew. Thinking possibly Central American beans but am open. May have pre-ground for French Press/course as I don't have a great grinder. 2. C...
by InvisibleAerobar
Sun Apr 19, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

Sitting here in my backyard in Arizona on a glorious spring morning. I saw the 3 hummingbirds that are frequent visitors on the feeder in the tangelo tree. Yellow finches and sparrows visit another feeder all day every day. A beautiful male and female cardinal stopped by. I was serenaded by the cal...
by InvisibleAerobar
Fri Apr 17, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

I'm not really a birder, so don't know their actual names. A falcon of some kind. His shape is like a peregrine but I know he's not one of them. His call sounds like a monkey to me, so I call him "Monkey Bird". A white swan on the lake across the street. What we call "submarine bird" on the lake. H...
by InvisibleAerobar
Thu Apr 16, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2629

Re: How to get Disinfectant Spray? seriously.

The most immediate way is to head to your grocery store or wherever you get booze in your state and buy a bottle of pure ethanol. Not liquor, ethanol. You can probably score that tonight. Pour that on a microfiber cloth and wipe stuff down that needs to be sanitized. Surprisingly, Everclear isn't s...
by InvisibleAerobar
Wed Apr 15, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medical provider sent lab test to the wrong lab (out of network) b/c of incorrect insurance processing, recourses?
Replies: 3
Views: 369

Re: Medical provider sent lab test to the wrong lab (out of network) b/c of incorrect insurance processing, recourses?

I'm not going to make your life any easier with this comment, but did you remember to cancel your BCBS coverage? If you did they should have rejected the claim. Well, BCBS did reject the claims (last July wrt the medical provider; this March wrt Lab Corp). I actually tossed the BCBS EOB for the cla...
by InvisibleAerobar
Wed Apr 15, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medical provider sent lab test to the wrong lab (out of network) b/c of incorrect insurance processing, recourses?
Replies: 3
Views: 369

Medical provider sent lab test to the wrong lab (out of network) b/c of incorrect insurance processing, recourses?

I had Blue Cross Blue Shield in 2018 and switched to GEHA in 2019. I went to said provider, once in 2018, and again in 2019. During the visit in 2019, I presented the medical provider with my new insurance card. However, I initially received an EOB from Blue Cross for this office visit (as opposed t...
by InvisibleAerobar
Wed Apr 15, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14478

Re: Coronavirus Flight Cancel Thread

I had an international flight in May which was canceled by United over the weekend. I received an email on Saturday stating that I would get airline credit for the tickets. The flight was booked with a combination of points and cash through the Chase Ultimate Rewards travel portal. On top of that I...
by InvisibleAerobar
Mon Apr 13, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

What camera and lens? j :happy These were shot with my Fuji XT-3 with 100-400 with or without 1.4TC. I recently switched to the Sony A7R4 with the 200-600mm. Much better autofocus performance for wildlife. I'll keep the Fuji for travel purposes since I already own a LOT of lenses. Once the lockdown...
by InvisibleAerobar
Sun Apr 12, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13493

Re: Safest way to get food

You know how lab specimens are often frozen? Well, we disinfect the outside of ALL food packages that will go in the freezer (or fridge, just for kicks, since this is soooo much fun - NOT :wink: ). But we'll let the non-perishable containers (e.g., cans or even plastic bags) sit in quarantine for s...
by InvisibleAerobar
Thu Apr 09, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13493

Re: Safest way to get food

Heading into town today for a quick grocery and TP run. All safety gear ready. Protocols in place. Routes planned. Exit strategy confirmed. Feels like going on a military OP??😬😬 j👍 You sure got that right. I feel like I could have improved what I did in the latest round of grocery shopping. The pre...
by InvisibleAerobar
Tue Apr 07, 2020 7:02 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 157
Views: 16022

Re: Marcus or Ally

It seems that all of the bonus offers have dried up, other than the one for Discover. Anyone know if there's any other institution out there offering bonuses, since I seem not to be very good at sleuthing out such deals? While I was looking around in March, I most definitely didn't come across the ...
by InvisibleAerobar
Mon Apr 06, 2020 5:42 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 157
Views: 16022

Re: Marcus or Ally

It seems that all of the bonus offers have dried up, other than the one for Discover. Anyone know if there's any other institution out there offering bonuses, since I seem not to be very good at sleuthing out such deals? While I was looking around in March, I most definitely didn't come across the 1...
by InvisibleAerobar
Sun Apr 05, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175952

Re: Boglehead Beer

Previously hated IPAs, now I love IPAs. My two faves right now: Deschuttes Fresh Haze and Cigar City Jai Alai Funny how that happens I think a lot of breweries went for the full bitter without giving much consideration to taste, resulting in a lot of micro-brews producing something truly horrendous...
by InvisibleAerobar
Sat Apr 04, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13493

Re: Safest way to get food

UV light has been shown to damage masks: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4699414/ Most methods to sterilize masks also damage them and reduce their effectiveness, including alcohol and bleach although I don’t have the source for that right now. The material can be degraded and the elec...
by InvisibleAerobar
Fri Apr 03, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

livesoft wrote:
Thu Apr 02, 2020 6:24 pm
Not a blue jay, but a Steller's jay

Image
That is way cool. I wish i could hand feed a bird. How did you manage?
by InvisibleAerobar
Thu Apr 02, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13493

Re: Safest way to get food

Read this: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2781738/ <---- this one compares various methods of decontamination N95s https://academic.oup.com/annweh/article/56/1/92/166111 https://drive.google.com/file/d/1A9Sa7Yr4WjfcZiJQQEYRQs416aBqrylF/view https://www.ncbi.nlm.nih.gov/pmc/articles/PM...
by InvisibleAerobar
Thu Apr 02, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18118

Re: Bird watchers – what birds are you seeing?

With sports seasons being canceled, many people are turning to bird watching as a substitute. In fact, I read about an individual who has began to count the number of worms he sees pulled by birds from his lawn. At the time of his post it was 5-3 with the blue jays leading the cardinals. :D Interes...