Search found 308 matches

by Irisheyes
Wed May 13, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12389

Re: Dentist charges $10 for PPE

Pay the dentist and be glad that she is doing everything in her power to keep the doors open and protecting their patients. Agreed. Our dentists are not open yet. I would gladly pay the $10 to be able to get my teeth seen to. keeping my fingers crossed that my dentist's doors open before my aging c...
by Irisheyes
Wed May 13, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12389

Re: Dentist charges $10 for PPE

Pay the dentist and be glad that she is doing everything in her power to keep the doors open and protecting their patients. Agreed. Our dentists are not open yet. I would gladly pay the $10 to be able to get my teeth seen to. keeping my fingers crossed that my dentist's doors open before my aging c...
by Irisheyes
Tue Apr 28, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: Aer Lingus Cancellation - Waiver or Refund?
Replies: 14
Views: 1012

Re: Aer Lingus Cancellation - Waiver or Refund?

I had a similar situation in early April...round trip flight from east coast to Dublin for spring break. Except my flight wasn't cancelled. Aer Lingus sent an email with 10% voucher offer valid during the next 5 years. Or fly as scheduled. I took the voucher offer. My booking was cancelled within 4...
by Irisheyes
Fri Apr 17, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8564

Re: Frugal quarantine habits to keep

Far less use of toilet paper 8-)

Amazing how I just used to pull off squares and squares.

No longer do I unthinkingly just rip off a handful.
by Irisheyes
Fri Apr 17, 2020 1:25 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77927

Re: Bogleheads community discussion - Coronavirus

Tolerance for extreme lockdowns in areas that aren't badly affected is growing very thin. I agree, but I would take it one step further...tolerance for extreme lockdowns is growing very thin across the board in most areas. Bingo!. In my opinion, People will get Covid-19 whether we reopen or not. Pe...
by Irisheyes
Sat Mar 28, 2020 8:18 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7258

Re: Share what worked in your plan during the crisis

Lots o' cash in the form of stable value funds, CDs and MMs. 33/33/33 allocation roughly before this thing hit. Bonds did not "work" in terms of providing some kind of ballast as their gyrations scared the heck out of me. I expect equities to plummet, bonds not so much. My large cash cush...
by Irisheyes
Sat Mar 28, 2020 1:45 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7258

Re: Share what worked in your plan during the crisis

Lots o' cash in the form of stable value funds, CDs and MMs. 33/33/33 allocation roughly before this thing hit. Bonds did not "work" in terms of providing some kind of ballast as their gyrations scared the heck out of me. I expect equities to plummet, bonds not so much. My large cash cushi...
by Irisheyes
Mon Mar 23, 2020 9:15 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

rkhusky wrote: Mon Mar 23, 2020 9:14 pm
Irisheyes wrote: Mon Mar 23, 2020 9:08 pm I had noticed when we went on our walks last week that we had to veer off into the tall grass several times to put sufficient distance between ourselves and those who were ignoring the guidelines.
Just hold your breath for a few seconds.
I'll give your advice as much weight as it is worth.
by Irisheyes
Mon Mar 23, 2020 9:08 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

I would just like to opine that people, generally, suck. Our county beaches and parks (NorCal) have been closed starting tomorrow because the throngs of people who descended on them this weekend ignored the social distancing recommendations. I had noticed when we went on our walks last week that we ...
by Irisheyes
Sun Mar 22, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Incoming College Freshmen 2020 - New Reality
Replies: 24
Views: 2010

Re: Incoming College Freshmen 2020 - New Reality

Juniors in high school who were busy getting themselves ready to apply to selective colleges are getting thrown for a loop too. My dd had the SATs cancelled on her the day before she was set to take them. No word on when/how to reschedule. The exams for her AP courses are going to be administered on...
by Irisheyes
Sat Mar 21, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Have you been personally affected by supply chain problems?
Replies: 56
Views: 3878

Re: Have you been personally affected by supply chain problems?

Yes. Our surgery center can't get masks because all these fools are buying them up. They're not even the right type of masks that will protect people from getting the virus; the ones we use are the flimsy ones that provide no air seal whatsoever. If laypeople are going to hoard them, which they sho...
by Irisheyes
Sat Mar 21, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Have you been personally affected by supply chain problems?
Replies: 56
Views: 3878

Re: Have you been personally affected by supply chain problems?

After our governor closed schools for the next 4 weeks and seeing other states shutting down restaurants and such, we made a quick run to the grocery store to stock up on a few things in case we have to shelter in place for awhile. Other than eggs and toilet paper, we found everything else we wante...
by Irisheyes
Sat Mar 21, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Online shopping during the current crisis
Replies: 18
Views: 1605

Re: Online shopping during the current crisis

If you can afford it, spending at small or big retail outfits is a good thing to do, imho. For the first time, I ordered food online from Amazon Prime and it was sourced/delivered via whole foods. I was amazed that it arrived in two hours, in an insulated pouch, with free delivery. I included a nice...
by Irisheyes
Fri Mar 20, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830192

Re: U.S. stocks in free fall

That's also the 50% Fibonacci from 666 to 3400. Huh? Since the user squirm does not respond to any questions to explain his drivel and gibberish, I will take the liberty. Not because I believe in any of this crap, but there was a time I had studied technical analysis and Elliot Wave Theory, just ou...
by Irisheyes
Fri Mar 20, 2020 6:55 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

I find it really odd that many of those posters who maintained for so long that it is just the flu, (or flue) are now the ones wailing the most about infringement on personal liberties. Will shut-downs/shelter in place orders work? Who knows. It's all we've got given the fact that can't test or trac...
by Irisheyes
Fri Mar 20, 2020 4:20 pm
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18817

Re: Munis getting slaughtered!

You would think higher grade muni's to be a stable asset. Most short and interm term AAA's were yielding 3% or higher today. Especially for small quantities. Very surprising observation. Wondering if a buy yet, or still run away screaming....it's been a long time since one could pick up an AAA with...
by Irisheyes
Fri Mar 20, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18817

Re: Munis getting slaughtered!

Also, looking at the individual CA muni bond offerings on Vanguard today, the AAA offerings with the highest yields are BART (3% ytw, maturity 2028) as well as school/community college district munis from the counties with some of the highest numbers of reported infections -- santa clara and san mat...
by Irisheyes
Fri Mar 20, 2020 1:54 pm
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18817

Re: Munis getting slaughtered!

SF chronicle reporting yesterday that revenues from the Golden Gate Bridge are down sharply. BART(Bay area Rapid transit) is struggling too with decreased ridership. Both these entities have lots of muni debt outstanding. BART rating was/is AAA. This is how the muni market is going to be impacted in...
by Irisheyes
Wed Mar 18, 2020 8:45 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

palanzo wrote: Wed Mar 18, 2020 7:48 pm
JonnyB wrote: Wed Mar 18, 2020 5:29 pm Today the U.S. passed South Korea for number of cases and deaths. On the current trajectory, the U.S. will pass China and have the most cases in the world in about 10 days unless the curve starts to bend.
That's exceptionalism for you!
:D

Phew. Knew we'd unearth it somewhere....
by Irisheyes
Wed Mar 18, 2020 3:26 pm
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11547

Re: $19 Trillion in Corporate Debt At Risk of Default

i started buying TLT in one account last year and a few wks ago VGIT in my Vanguard acct. I know outright buying vs a fund is better but don't really understand it or able to figure it out. Not sure if now is a bad time. My question re: bonds re the corporate debt and crisis to hit. I have tax free...
by Irisheyes
Wed Mar 18, 2020 2:12 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Optimism amongst the panic and worry

Teach your kids how to get off your lawn :|
by Irisheyes
Wed Mar 18, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830192

Re: U.S. stocks in free fall

This. is. Brutal. Agreed. Last week I was reading posts here left and right, staying informed, interested. Now its kind of exhausting. Maybe I need a break while I "do nothing" I think I'm done with this thread. Way too many panicking. I'm out. I'm not panicked. I may even buy a little to...
by Irisheyes
Wed Mar 18, 2020 1:01 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Optimism amongst the panic and worry

I've been drinking more of my "good" wine lately.

It's the one thing in my portfolio that's remained liquid :wink:
by Irisheyes
Wed Mar 18, 2020 12:59 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2710

Re: Muni Bonds and Risk (VWIUX)

Prahasaurus wrote: Wed Mar 18, 2020 12:54 pm
Irisheyes wrote: Wed Mar 18, 2020 12:32 pm 16% of munis defaulted during the great depression.

Are we headed that way?

Who knows.
That's actually not a terrible number for the Great Depression, to be honest.
Yes, I agree. Which is why I'm not selling (though I hold individual munis not a fund).
by Irisheyes
Wed Mar 18, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830192

Re: U.S. stocks in free fall

This. is. Brutal.
by Irisheyes
Wed Mar 18, 2020 12:52 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Some of the actions that Newsom is taking in CA. Happy to hear about concrete steps like this, especially if this is the lull before the surge: The state is acquiring two vacant hospitals to beef up capacity as it faces the possibility of a surge of hospital patients. California also is negotiating ...
by Irisheyes
Wed Mar 18, 2020 12:32 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2710

Re: Muni Bonds and Risk (VWIUX)

16% of munis defaulted during the great depression.

Are we headed that way?

Who knows.
by Irisheyes
Wed Mar 18, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1762
Views: 147472

Re: Do you sanitize your groceries? COVID-19

If it's non perishable, we're leaving groceries in the garage for 3-4 days before putting it into our regular food rotation.

I've read that the virus can survive on plastics up to 3 days, and about one day on cardboard.


Don't know what to do about fresh veggies/fruits.
by Irisheyes
Tue Mar 17, 2020 11:13 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Optimism amongst the panic and worry

Whatever the coming weeks/months may bring, I'm thankful to God that I'm riding this out in the USA. Can't think of another place I'd rather be during a worldwide economic and/or health crisis. This nation cares about its people, its citizens care about other people, our healthcare system is outsta...
by Irisheyes
Tue Mar 17, 2020 10:27 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Optimism amongst the panic and worry

camillus wrote: Tue Mar 17, 2020 10:08 pm I have finally been able to talk some friends into considering bidets.
:D :D
by Irisheyes
Tue Mar 17, 2020 9:39 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Optimism amongst the panic and worry

The fish and swans have returned to the Venice canals.

https://news.artnet.com/art-world/art-i ... es-1806426
by Irisheyes
Tue Mar 17, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11547

Re: $19 Trillion in Corporate Debt At Risk of Default

I would get rid of all munis. Cities and states are going to get hammered with medical care costs and dropping tax revenues. Too late isn't it? Quality munis (e.g. VTEB, BTMIX) have taken the hit already, down 5% or so. Why would this not be priced in already? 5% might be peanuts in terms of how mu...
by Irisheyes
Tue Mar 17, 2020 3:46 pm
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11547

Re: $19 Trillion in Corporate Debt At Risk of Default

i started buying TLT in one account last year and a few wks ago VGIT in my Vanguard acct. I know outright buying vs a fund is better but don't really understand it or able to figure it out. Not sure if now is a bad time. My question re: bonds re the corporate debt and crisis to hit. I have tax free...
by Irisheyes
Tue Mar 17, 2020 2:03 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

But, the Federal government, like any huge organization, tends to be sluggish. Which is why it is better for state and local governments to handle most things. That is true of small businesses too. Fortunately, our forefathers created a government with a reasonably powerful executive. The President...
by Irisheyes
Tue Mar 17, 2020 1:52 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

If we really think we need to shut down the economy completely for 18 months, I think instead maybe we have to think about just letting people get infected, and use a trillion dollars to build out medical infrastructure as a new Manhatten Project. Assuming the above projections are correct... No sc...
by Irisheyes
Tue Mar 17, 2020 1:41 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Folks, For anyone in the Bay area, could you please explain what does "shelter in place" mean? I googled and read a bunch of articles and I still do not get it. Does that mean do not go out of your house at all unless for food and supply? Thanks in advance. KlangFool Besides medical needs...
by Irisheyes
Mon Mar 16, 2020 10:10 pm
Forum: Personal Investments
Topic: Safety of Money Market Funds Currently
Replies: 149
Views: 12600

Re: Safety of Money Market Funds Currently

I sold VBTLX march 9th and transferred the bond money to vanguard VMMXX. After reading VUSXX is a safer MM fund, I just now transferred all cash from VMMXX to VUSXX. Ive read If you sell or exchange shares of a Vanguard fund, you will not be permitted to buy or exchange back into the same fund, in ...
by Irisheyes
Mon Mar 16, 2020 9:25 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Bay Area forced sheltering. Everything closed except essentials and no going to work except for essentials until April 7 at least. On another note which is alarming. In terms of mortality, obese people are much more vulnerable and something like 45 pct of older Americans are technically obese. This...
by Irisheyes
Mon Mar 16, 2020 9:21 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

As for testing in the US, this just now from the FDA: The Food and Drug Administration, in an effort to speed the development of coronavirus tests, on Monday announced that states could approve tests developed in laboratories in their states — without getting FDA authorization. And the commentary of...
by Irisheyes
Mon Mar 16, 2020 8:56 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

My question is what is South Korea doing that its virus outbreak is way better off than any other country? I can't tell if you are joking or not. It's been discussed over and over on this thread. But here goes again: Widespread and comprehensive testing, tracing and quarantine. In addition, once th...
by Irisheyes
Mon Mar 16, 2020 3:15 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2198

Re: Anyone Rebalancing Today, 3/16/20?

Average Investor wrote: Mon Mar 16, 2020 3:03 pm Thanks everyone.

I proceeded cautiously and rebalanced about 1% today. It was harder than anticipated.
Yes. I rebalanced about 1% today also. I closed my eyes while doing it. :wink:

I've learned that I am much better at being fearful when others are greedy than vice versa.
by Irisheyes
Mon Mar 16, 2020 2:44 pm
Forum: Personal Investments
Topic: Anyone worried about thier Certificate of Deposits.
Replies: 19
Views: 1987

Re: Anyone worried about thier Certificate of Deposits.

I have brokered cds held at Vanguard.

Good thing I don't need to cash them out any time soon as the bid/ask spread is currently INSANE

Zero worry about default though.
by Irisheyes
Sun Mar 15, 2020 9:30 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Only if it is a Guinness in Dublin :D Will have to take a rain check: :annoyed Coronavirus: [Irish] Government calls on all pubs and bars to close from tonight https://www.irishtimes.com/news/social-affairs/coronavirus-government-calls-on-all-pubs-and-bars-to-close-from-tonight-1.4203494
by Irisheyes
Sun Mar 15, 2020 9:07 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Perhaps some of us would like to be more informed and make our own decisions. Some perhaps would rather let governments make all the decisions. They seem to be doing a fantastic job so far <sarcasm>. Even a lay person with intelligence can determine the UK approach has not been tried before and is ...
by Irisheyes
Sun Mar 15, 2020 8:47 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

I would be thrilled if it were only 8 weeks. Same here. The Guardian is reporting that senior Health officials expect that the epidemic will last until Spring 2021 in the UK :shock: :shock: T he coronavirus epidemic in the UK will last until next spring and could lead to 7.9 million people being ho...
by Irisheyes
Sun Mar 15, 2020 7:32 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

8 million patients needing hospitalization in Great Britain would be devastating; that works out to 1 out of 7 people. That is simply beyond any reasonable limit of the health care system. Don't even think about what those numbers, if accurate , would imply here... Really really hard to wrap ones h...
by Irisheyes
Sun Mar 15, 2020 7:13 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

My wife is out now stocking up on essentials, in preparation for 6-8 weeks of restricted movement. I initially thought this was necessary but now it's the recommendation from Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases. Be safe everyone. 6-8 weeks? Do yo...
by Irisheyes
Sun Mar 15, 2020 7:05 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20816

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

I know I miss Janet. This reminded me of another horror: Brad Majors: I've one thing to say, and that's Dammit Janet, I love you The road was long but I ran it Chorus: Janet Brad Majors: There's a fire in my heart and you fan it Chorus: Janet Brad Majors: If there's one fool for you then I am it Ch...
by Irisheyes
Sun Mar 15, 2020 6:35 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20816

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

metalworking wrote: Sun Mar 15, 2020 6:31 pm
veggivet wrote: Sun Mar 15, 2020 6:16 pm
Nicolas wrote: Sun Mar 15, 2020 6:11 pm Could there be any connection with Powell’s job being threatened yesterday? Probably not but it did cross my mind.
Ya' think???
I dont think Powell gives a flip about what that guy thinks
Hard to know.

I know I miss Janet.
by Irisheyes
Sat Mar 14, 2020 11:45 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197964

Re: Bogleheads community discussion - Coronavirus

Perhaps some of us would like to be more informed and make our own decisions. Some perhaps would rather let governments make all the decisions. They seem to be doing a fantastic job so far <sarcasm>. Even a lay person with intelligence can determine the UK approach has not been tried before and is ...