Search found 1139 matches

by fsrph
Sat May 30, 2020 11:52 am
Forum: Personal Investments
Topic: Single Favorite Mutual Fund
Replies: 82
Views: 7498

Re: Single Favorite Mutual Fund

It's hard to pick one because that one is complimented by others. But if I had to pick one it's VG Wellesley.

Francis
by fsrph
Wed May 27, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 93
Views: 4604

Re: Anybody do any GOOD timing the market?

I did a good (probably more lucky than good) job timing the CD market. In the beginning of 2019 I opened a 3,4 and 5 year CD with the minimum of $500. Here's where the good part comes. The CD's pay 3.1, 3.15, 3.25% respectively. But, all the CD's have an unlimited add on feature. Any other CD that m...
by fsrph
Wed May 27, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Switching Insurance
Replies: 40
Views: 1896

Re: Switching Insurance

I had State Farms car insurance for decades. Finally decided to shop around. Went with Geico and it turned out to be a great choice. Saved money and had better coverage. The SF rep probably thought I'd never change, being with them so many years.

Francis
by fsrph
Wed May 27, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 92
Views: 6316

Re: The "Best of" for Aldi?

Chocolate bars, cheesecake, yogurt, Angus beef.

Francis
by fsrph
Mon May 18, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3438

Re: Sources for N95 masks

KN 95 masks are available. Others may know how different they are from N95. I bought some here. Figure they're better than nothing.

https://www.snowjoe.com/products/kn95-p ... ard-5-pack


Francis
by fsrph
Mon May 18, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14235

Re: Lowes vs Home Depot

I usually go to Lowe's. It's much closer to my house and usually stocks what I need.

Francis
by fsrph
Mon May 18, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

If you really wanted to be cautious I suppose you could pay for the room for a few extra days before you arrive. Sort of like buying the middle seat next to you on an airplane so it won't be occuplied. I was going to suggest something similar. I'm not expecting to stay in a hotel anytime soon, but ...
by fsrph
Sun May 17, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4297

Re: How did you feel after giving notice to retire?

I loved my job and having worked with many of the same people for 25 years and in the same building for 25 years, it was comfortable, yet it was time to move on. I was tired and worn out and I did not want to end up like a few people I knew who worked and worked and then dropped dead. I felt an ove...
by fsrph
Sun May 17, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4297

Re: How did you feel after giving notice to retire?

I'll be 61 years old later this year and worked for the same healthcare company for over three decades . It is a stable job but the last five years have declined into utter chaos and ultra high stress. As far as financially, I'm fine, I think. Live a modest lifestyle with 80x expenses plus small pe...
by fsrph
Sun May 17, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4297

Re: How did you feel after giving notice to retire?

Thank to all for the wonderful replies sharing your experiences. I can assure you I read every one. A little bit more about me - I'll be 61 years old later this year and worked for the same healthcare company for over three decades. It is a stable job but the last five years have declined into utter...
by fsrph
Sat May 16, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4297

How did you feel after giving notice to retire?

Assume you have enough money to retire with a very conservative asset allocation. Is it normal to have conflicting thoughts? Second guessing yourself. Maybe about how much money you are leaving on the table. Feelings of separation and loss. Can anyone relate to this?

Francis
by fsrph
Mon May 11, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2588

Re: Hospice care - room and board

Dottie, so sorry to hear about your Mom. Attending to your mothers needs in the last months of her life was a wonderful thing to do. May God's blessings be with you.

Francis
by fsrph
Tue Apr 07, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8474

Re: How do you maximize enjoyment after achieving FI?

If you're not totally satisfied with your occupation, consider buying yourself more free time and reduce your work hours. You can certainly afford it. Do you have hobbies or travel you'd like more time to do?

Francis
by fsrph
Tue Apr 07, 2020 7:48 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72493

Re: Bogleheads community discussion - Coronavirus

So if, as someone else said somewhere above, alcohol is like nuking the bacteria and viruses, why isn't that dangerous? Yet using soap with some sort of anti-bacterial agent isn't nuclear, and allows some virulent strain of bacteria to mutate and grow. I'm not trying to be difficult, but I really d...
by fsrph
Mon Apr 06, 2020 6:58 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72493

Re: Bogleheads community discussion - Coronavirus

So if, as someone else said somewhere above, alcohol is like nuking the bacteria and viruses, why isn't that dangerous? Yet using soap with some sort of anti-bacterial agent isn't nuclear, and allows some virulent strain of bacteria to mutate and grow. I'm not trying to be difficult, but I really d...
by fsrph
Sun Apr 05, 2020 9:52 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72493

Re: Bogleheads community discussion - Coronavirus

There aren't enough masks currently, although I see a lot of people making them. So the only thing to do is be cautious oneself. I guess if I were running a business that was open, I'd put up a sign encouraging the wearing of masks. I live in a semi-rural area, and see suggestions in the newspaper ...
by fsrph
Sat Apr 04, 2020 9:12 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72493

Re: Bogleheads community discussion - Coronavirus

My local Home Depot started limiting the number of customers to 50 in the store at one time. Barricades were setup to force everyone into a single entrance. I got there when they opened at 6 AM, so not much of a crowd. Our Home Depot started doing this a week or so ago. Only store I've seen doing s...
by fsrph
Sat Apr 04, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20123

Re: What are you doing for haircuts due to coronavirus shutdown?

I got a haircut two days before they shut the barbers down. When they asked how I wanted it cut, I said give my about three months worth.

Francis
by fsrph
Thu Apr 02, 2020 6:23 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

Great interview with Dr Fauci on “The Daily” podcast today. That man is amazing! He is giving interviews everywhere, all day long. And this particular interview is especially good. https://dts.podtrac.com/redirect.mp3/rss.art19.com/episodes/b993ffa0-e2ee-4b63-8648-ee877ce63611.mp3 Dr Fauci has been...
by fsrph
Sun Mar 29, 2020 5:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18832
Views: 2631926

Re: U.S. stocks in free fall

Odds we hit limit down tonight?? The US 'guidelines' were extended to, at minimum, April 30. If that wasn't priced in, it soon will be. I would generally guess that "the market" already assumed as much despite any comments that hinted to the contrary. I think extending the guidelines was the right ...
by fsrph
Sat Mar 28, 2020 12:09 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

Targeted isolation at a certain age makes some sense. I'm assuming the elderly. But, here is Pennsylvania's case distribution by age. ​Age Range/​Percent of Cases ​0-4 ​< 1% ​5-12 ​ < 1% ​13-18 ​2% ​19-24 ​11% ​25-49 ​40% ​50-64 ​28% ​65+ ​ 18% These are not an accurate representation of the confir...
by fsrph
Sat Mar 28, 2020 12:04 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

We have been at this for a while now since late December or early January. Granted many parts of the world, infection started spreading in January. Still, it's been many weeks since first case appeared pretty much everywhere. We are still only at 27k total deaths world wide, well below other commun...
by fsrph
Fri Mar 27, 2020 9:45 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

We have been at this for a while now since late December or early January. Granted many parts of the world, infection started spreading in January. Still, it's been many weeks since first case appeared pretty much everywhere. We are still only at 27k total deaths world wide, well below other commun...
by fsrph
Fri Mar 27, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14799

Re: Wife's oncologist has stopped treatment, is recommending hospice

So sorry to hear about your wife. Sincere condolences to you and your family.

Francis
by fsrph
Fri Mar 27, 2020 12:04 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

didnt read thread, only this last page. ICU has been filling up. my hospital census is down, but nearly everyone that comes in to the ER is for cough, SOB, fevers, weakness, fatigue. nearly all are c19 +. if your not hypoxic, you are getting sent home. that study with plaquenil isnt the best imo. w...
by fsrph
Tue Mar 24, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Traffic Ticket - Offer to reduce points for Increase Fine
Replies: 25
Views: 1716

Re: Traffic Ticket - Offer to reduce points for Increase Fine

Yes, definitely worth it to take the no points offer. Something similar happened to me years ago. Went to magistrate and officer offered to lower violation to "abuse of traffic signal". Forgot what I paid but it didn't affect my insurance rates.

Francis
by fsrph
Sun Mar 22, 2020 8:47 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

Took this from another thread, but 3M CEO stated they will be delivering 500,000 respirators to New York and Seattle. This is good...yes? And yes, I am looking for some positivity. Can someone please put this into context? Does this fall into: Big Deal, Very Small Impact, or essentially no impact? ...
by fsrph
Sun Mar 22, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296870

Re: Coronavirus and the market

[Quoted post removed -- admin LadyGeek]

Two generic manufacturers stated they will ramp up production. Teva said additional 6 million tabs by 3/31. Up to 50 million tabs by mid April.

Francis
by fsrph
Sun Mar 22, 2020 6:10 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

A story in the NYT centers on package delivery workers, like UPS drivers/package handlers coming to work sick because, not only are they considered essential workers, but also because the companies they work for have brutal policies concerning sick leave. https://www.nytimes.com/2020/03/21/business...
by fsrph
Thu Mar 19, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296870

Re: Coronavirus and the market

A problem with chloroquine is going to be availability. Old med not used much today. Pharmacies had no previous reason to stock a lot of it - therefore wholesalers had no reason to have high amounts. I'm sure generic manufacturers will ramp up production but how long will that take. I predict you'll...
by fsrph
Thu Mar 19, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296870

Re: Coronavirus treatment - chloroquine

Treatment now approved: https://www.forbes.com/sites/lisettevoytko/2020/03/19/trump-says-fda-approved-anti-malaria-drug-chloroquine-to-test-as-coronavirus-treatment/#607baea8303d For an excellent, detailed explanation on how chloroquine works against the virus see - https://m.youtube.com/watch?v=U7...
by fsrph
Wed Mar 18, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1452

Re: Over FDIC Limit

I didn't know adding a beneficiary would increase the limit. Thought I had to open a joint account. Is this accurate that just adding a beneficiary would increase FDIC limit? You can check with the FDIC to see what is and isn't accurate. https://www.fdic.gov/deposit/deposits/brochures.html#your_ins...
by fsrph
Tue Mar 17, 2020 6:00 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 91
Views: 4975

Re: Giving thanks to our moderators

Certainly, big thanks to all moderators on this site. Special shout out to Lady Geek, who not only maintains order but also is willing to share her knowledge with us fellow Bogleheads.

Francis
by fsrph
Tue Mar 17, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1452

Re: Over FDIC Limit

No, don't believe that would work. The easiest way to increase FDIC insurance would be to add a few beneficiaries to the CD. Could also start having interest sent to an external account if it's only starting to be over the FDIC limit. I didn't know adding a beneficiary would increase the limit. Tho...
by fsrph
Mon Mar 16, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Effective Treatments for COVID-19
Replies: 9
Views: 1052

Re: Effective Treatments for COVID-19

They need to do double blind studies but research is underway to use these agents along with Zinc. Zinc blocks a replication enzyme within the cell and chloroquine allows the zinc to enter the cell.

https://m.youtube.com/watch?v=U7F1cnWup9M

Francis
by fsrph
Sun Mar 08, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18832
Views: 2631926

Re: U.S. stocks in free fall

MotoTrojan wrote:
Sun Mar 08, 2020 8:59 pm
Wow the S&P500 futures have been halted, guess they have a lower circuit breaker than open trading.
Yes, a 5% decline in futures triggers a halt.
https://www.nasdaq.com/articles/stock-f ... ld-kick-in


Francis
by fsrph
Sat Mar 07, 2020 11:11 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

My concern continues to be respirator numbers and distribution, as mentioned several pages back. I saw a reference stating that there are a total of 70,000 respirators in the entire country. I wonder if a triage plan has been developed to decide which patients qualify for one when the number of pat...
by fsrph
Fri Mar 06, 2020 9:27 pm
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27558

Re: Where is Livesoft!?

Maybe he's working on the Coronavirus? Wasn't he a scientist?

Francis
by fsrph
Thu Mar 05, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Employer / Manager difference in vacation time policies
Replies: 57
Views: 3770

Re: Employer / Manager difference in vacation time policies

3) I am not worried about the impact on my relationship with the new department management. Specifically, it is more important to me to stand up and speak up for myself (if I am in the right) than to keep my head down to maintain cordial relations. Naturally, I feel wronged here, but I wanted to do...
by fsrph
Thu Mar 05, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Employer / Manager difference in vacation time policies
Replies: 57
Views: 3770

Re: Employer / Manager difference in vacation time policies

Curious to know, does this weird unique policy benefit the manager? He or she must be trying it for some reason. Create chaos in the workplace. Get higher paid (usually order) workers to leave. Save money for the company and to look good to the managers boss with no regard to retain quality workers...
by fsrph
Tue Mar 03, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Hottest Bond Market in History Is Starting to Make Some Nervous
Replies: 63
Views: 6861

Re: Hottest Bond Market in History Is Starting to Make Some Nervous

With the strong bond market today, anyone have a theory why all VG's tax exempt bond funds declined today?

Francis
by fsrph
Tue Mar 03, 2020 6:02 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

If one wanted to be cynical, you could argue that testing a very select cohort of patients would limit the number of official positive cases that are diagnosed. I've reached that cynicism as I have no confidence to think otherwise. It's become a public relations campaign, at a time when a public he...
by fsrph
Tue Mar 03, 2020 4:05 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190909

Re: Bogleheads community discussion - Coronavirus

The biggest problem I see is that we don't have enough test kits to get ahead of this thing. Why aren't we testing more people? This thing is spreading before we even know where it is at. I fear that one day coming soon (within the next few weeks), this thing is going to blow up into 100,000+ cases...
by fsrph
Tue Mar 03, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18832
Views: 2631926

Re: U.S. stocks in free fall

ReformedSpender wrote:
Tue Mar 03, 2020 1:53 pm
10 yr treasury yield dips under 1% for the first time in history

:shock:
Other Treasury yields as of 1407. From
https://www.briefing.com/bond-market-update

2-yr: -17 bps to 0.66%
3-yr: -16 bps to 0.67%
5-yr: -12 bps to 0.71%
10-yr: -16 bps to 0.94%
30-yr: -9 bps to 1.56%
by fsrph
Mon Mar 02, 2020 1:01 am
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37765

Re: Anybody want to guess the bottom of this "dip"?

Today’s close. 2,954.22 for the S&P. You heard it in this thread first. Futures are up! (at least for the moment) Maybe we have touched the bottom. Indeed we may, although I wouldn't be surprised if stocks finish tomorrow in the red. Lately, futures have not been a very accurate predictor of the ne...
by fsrph
Mon Mar 02, 2020 1:00 am
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37765

Re: Anybody want to guess the bottom of this "dip"?

Today’s close. 2,954.22 for the S&P. You heard it in this thread first. Futures are up! (at least for the moment) Maybe we have touched the bottom. Indeed we may, although I wouldn't be surprised if stocks finish tomorrow in the red. Lately, futures have not been a very accurate predictor of the ne...
by fsrph
Mon Mar 02, 2020 12:35 am
Forum: Investing - Theory, News & General
Topic: Why so much buying/rebalancing going on?
Replies: 100
Views: 6212

Re: Why so much buying/rebalancing going on?

That means a perfectly balanced portfolio at the high on February 19th (unlikely, since many of us were a little stock-heavy at the time), would now look like: 90/10 is now 88.5/11.5 = off 1.5% 80/20 is now 77.5/22.5 = off 2.5% 70/30 is now 66.7/33.3 = off 3.3% 60/40 is now 56.3/43.7 = off 3.7% 50/...
by fsrph
Sat Feb 29, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37765

Re: Anybody want to guess the bottom of this "dip"?

Wouldn’t the big rip higher at the close today indicate the momentum going into next week be on the upside? The trend (however weak) is our friend, for now. There could be a lot of important news this weekend that will affect the open on Monday morning. Stay tuned... The market was still down .82% ...