Search found 394 matches

by brianH
Tue Jun 30, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Where are residential real estate prices heading?
Replies: 14
Views: 1500

Re: Where are residential real estate prices heading?

I think this is going to be very location dependent. Very HCOL, dense areas will probably see a significant decline as people flee from the areas hardest hit by corona and civil unrest. Many companies are work-from-home for the foreseeable future, and now that the genie is out of the bottle, it's go...
by brianH
Sun Jun 28, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Advice on WiFi vs. Wired at Home?
Replies: 34
Views: 2186

Re: Advice on WiFi vs. Wired at Home?

In my 1980 colonial-style house, when I moved in I ran a few hard-wired connections: 2 CAT5e to our upstairs bedroom that is a dedicated office, 1 to a WIFI AP on top of the fridge, and 1 to the smart TV in the master bedroom. I'm a heavy Internet user and software professional, and I never saw the ...
by brianH
Fri Apr 17, 2020 2:00 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

It is frankly ridiculous for folkto get upset about their inability to go boating, fishing, and golfing while health care workers are sick and dying. To be fair (since I mentioned golfing and fishing) two things can be true here at the same time. The lack of PPE for health care workers on the front...
by brianH
Fri Apr 17, 2020 11:57 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

Even in areas that have a lot of cases, why are people that work alone, or outdoors beyond 6 foot proximity with others, prevented from working? Makes no sense. I imagine it is the lack of common sense and flexibility that riles some people. There's also a distinct lack of logic and consistency in ...
by brianH
Wed Apr 15, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: There seems to be a big market for home fitness equipment
Replies: 24
Views: 1411

Re: There seems to be a big market for home fitness equipment

I've never been happier to have my basement gym setup. Full cage, plywood deadlift platform, leg press machine, flat bench, straight and trap bars, over #1500 of weights/dumbbells, and other assorted equipment. I put it together over the years for probably less than $1200 total. I'm glad others now ...
by brianH
Tue Apr 14, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6414
Views: 542033

Re: U.S. stocks continue to soar!

I would never put myself in a position where I would root for the market to decline. Just weird. It's a point many miss when they hope for a recession to buy cheap stocks. You are only likely able and willing to pump money into stocks if you are still employed, and many who previously thought their...
by brianH
Thu Apr 09, 2020 10:44 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

[Response to unsourced medical claim removed by admin LadyGeek] Please see posting rules for this thread . The burden is on the poster making a medical claim to link a medical article to support the claim. The burden is not on anyone responding to prove the opposite. Fine, there is also this study ...
by brianH
Thu Apr 09, 2020 10:14 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

[Response to unsourced medical claim removed by admin LadyGeek] Covid19 does cause both death and serious injury to the non-elderly. In the U.S. there have been 714 Covid19 deaths under age 65. Covid19 deaths by age, CDC (4/8/2020) Provisional death counts, Table 2 . From the CDC: "This first preli...
by brianH
Thu Apr 09, 2020 8:47 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

[Unsourced medical claim removed by admin LadyGeek] There are people surviving who have permanent lung damage and some people (who I think do not survive) who have brain damage. Infants, children, and teenagers have died. I can assure you there was plenty of panic about polio. Nobody said that the ...
by brianH
Thu Apr 09, 2020 7:54 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

This is like the polio epidemics when you were a kid, which closed swimming pools and schools and crippled many young people. Only 10x. Or 100x. Except it isn't. Polio had a CFR of 2-5% in the young, and >10% in adults. Many of those that didn't die were also permanently paralyzed or had other horr...
by brianH
Wed Apr 08, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: HVAC minisplit cleaning DIY vs hiring a pro
Replies: 4
Views: 411

Re: HVAC minisplit cleaning DIY vs hiring a pro

I don't think I'd be comfortable using a liquid coil cleaner on the indoor unit of a minisplit. It's not like a traditional split system where the A-coil is far away from mechanical/electrical parts like fans and control boards. On a minisplit, all that stuff that shouldn't get wet is within inches ...
by brianH
Tue Apr 07, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304382

Re: Coronavirus and the market

Overblown..good learning experience for the youngsters(and some who should know better)...when there is blood in the streets and doom and gloom posts are abound..BUY!! Also, tune out the noise and get some perspective. There's a dozen or so people on here that just beat the drum endlessly about how...
by brianH
Mon Apr 06, 2020 10:24 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74554

Re: Bogleheads community discussion - Coronavirus

I get all this. But why aren’t the warnings for anti-bacterial soap also applicable for alcohol-based hand sanitizer? The issue, as I understand it, is that some research has found that using triclosan (typical anti-bacterial soap ingredient) leads to cross-resistance to other microbial agents. Alc...
by brianH
Thu Apr 02, 2020 11:12 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

brianH, Except for people with underlying conditions: https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/people-at-higher-risk.html <<People with severe obesity (body mass index [BMI] of 40 or higher) People with diabetes>> Those conditions are fairly widespread among younger American...
by brianH
Thu Apr 02, 2020 10:53 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

There's is this mentality on the street that "This is not China. We are the USA." or "We'd rather die if no freedom." This is a valid opinion, even if a group of others do not agree with it. The absolute risk to healthy, young individuals is very, very low. We're currently walking a tightrope of tr...
by brianH
Sat Mar 28, 2020 1:41 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

We are at a different point on the timeline than any European or Asian country. Please update this graph with updated data in 2 weeks please if possible. What do you base that assumption on? The USA and Italy are pretty close from the date of first case (reported), so you must be using a different ...
by brianH
Sat Mar 28, 2020 1:36 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

What is your source for this data? I won't speak for eye.surgeon, but the WorldoMeters site has a table with per-capita columns: https://www.worldometers.info/coronavirus/#countries You can sort by clicking on the column header. Their data appears to be reasonably accurate compared to some other of...
by brianH
Fri Mar 27, 2020 3:51 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

Leesbro63 wrote:
Fri Mar 27, 2020 3:39 pm
jibantik wrote:
Fri Mar 27, 2020 3:35 pm
We have officially breached the 100k marker. USA USA USA
Awful. That being said, isn't the per capita number really what's needed for comparison?
You're letting simple common sense get in the way of pushing an anti-America or politically-charged viewpoint.
by brianH
Thu Mar 26, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6414
Views: 542033

Re: New Bull Market!

For Bogleheads, I'm surprised of the lack of analytics, but maybe people watch too much news that stresses important facts less and relies on sensationalism more. Agreed. Even considering the absolute worst case scenario, there's no reason for the level of fear and panic. As the numbers have been b...
by brianH
Thu Mar 26, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63813

Re: So bottom is probably behind us....right?

From my perspective, the US doesn't fear the virus. People are going about their normal activities as if nothing is going on. The words "overblown" and "can't shut down the economy" and "cure can't be worse than the disease" get used a lot. Fox news stuff. I'm still shocked by the behavior of peopl...
by brianH
Wed Mar 25, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market Response in this environment?
Replies: 57
Views: 7374

Re: Housing Market Response in this environment?

I think there will be a paradigm shift over the long term. Folks will want to have a place outside of crowded cities and perhaps outside of suburbs. They may still rent in the cities, but rural places near big metropolitan areas will start to become a thing. An interesting take, and one I've been t...
by brianH
Wed Mar 25, 2020 2:41 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63813

Re: So bottom is probably behind us....right?

no random sampling, no consistency, reporting numerators without denominators. They are clearly messaging "worse case" outcomes to get people to do the right thing (self isolation), as one might in their position, this means that it's pretty likely this turns out a lot less bad than anyone might th...
by brianH
Tue Mar 24, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304382

Re: Coronavirus and the market

I'm hoping today is a sign of things to come: that the market has gotten past the doom+gloom fear and realized that the country will be back to work soon. Many will get the virus, most will recover, some will die, but life and the economy moves on. But what has changed so favorably in that regard s...
by brianH
Tue Mar 24, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304382

Re: Coronavirus and the market

I'm hoping today is a sign of things to come: that the market has gotten past the doom+gloom fear and realized that the country will be back to work soon. Many will get the virus, most will recover, some will die, but life and the economy moves on.
by brianH
Mon Mar 23, 2020 9:35 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

The simple answer is that the economy can function with those deaths. It cannot function with a coronavirus. This isn't an ideological stand, it's a practical stand. Unlike those fortunate enough to be able to play 'work from home', most aren't sitting on huge emergency funds or even employment whi...
by brianH
Mon Mar 23, 2020 1:19 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

At this point I think everyone is settled into their positions. I think all the angst ridden posts will be the ones that don't age well. I think we tanked the economy and intruded on civil rights in a huge overreaction. One side or the other will have the stronger ground a year from now, but I doub...
by brianH
Sun Mar 22, 2020 6:57 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

https://www.nejm.org/doi/full/10.1056/NEJMoa2002032 NEJM article. NEJM is a highly respected medical journal. Thanks, it didn't have exactly what I was looking for, but I did find this which did: https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-CO...
by brianH
Sun Mar 22, 2020 6:18 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

Looking at the number of deaths vs the number of cases in the USA is deceptive since , out of 32K cases in the US, though there have been only about 400 deaths to date, there are only 178 total recoveries so far, and almost 32K cases still labeled "active". A large percentage were just diagnosed in...
by brianH
Fri Mar 20, 2020 2:04 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

How does it limit your freedom? Can you enumerate the freedoms it restricts, per the US Constitution? Here is a Harvard Law prof's recent take on it: https://www.bloomberg.com/opinion/articles/2020-03-20/california-s-stay-at-home-order-is-a-legal-mess Even if it must travel through the courts to be...
by brianH
Fri Mar 20, 2020 1:22 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193968

Re: Bogleheads community discussion - Coronavirus

Nobody is asking you to give up your freedom. The irony that many of those wars were fought by drafted soldiers is not lost on me. I'm not sure how you can view the recent order by the Governor of California to not be sharply limiting freedom. I suspect enforcement will be next to impossible, but t...
by brianH
Mon Mar 16, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9765

Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]

The restaurant business is huge in this country. $4 for a Big Mac; really? It's about $0.50 worth of ingredients. People are going to find that out. People are going to cut back and find out how much they were spending. It could take a generation to overcome. LOL. I don't think anyone was ever fool...
by brianH
Sun Mar 15, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9765

Re: Is there a single person on here that thinks Coronavirus is going to

That is a great question. I think I agree with the OP, but just to play devil's advocate suppose that (a) coronavirus returns in a different strain every year from here on out, just like influenza and (b) no vaccine is discovered (or if one if discovered it doesn't work very well, just like influen...
by brianH
Sat Mar 14, 2020 7:53 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304382

Re: Coronavirus and the market

There has been a lot of negative vibe regarding our car culture and single family suburban homes here in the USA. But there may be a silver lining these days. I imagine it is far easier for suburbanites to self isolate and certainly easier to independently commute to a testing site (once thy are es...
by brianH
Fri Mar 06, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 89
Views: 7638

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

The anode prevents corrosion as long as it is functioning. I've never seen any research supporting that claim in water heaters. My point was more that changing the anode rod isn't going to meaningfully extend the life of your water heater, assuming typical 10-15 year lifespan. Considering most wate...
by brianH
Mon Mar 02, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304382

Re: Coronavirus and the market

Markets opened up about 1% and hovering around there. All the doom and gloom in this thread over the weekend doesn't seem to have held true.
by brianH
Fri Feb 28, 2020 8:05 pm
Forum: Personal Investments
Topic: Letting HSA grow despite unused tax-advantaged space
Replies: 21
Views: 1511

Re: Letting HSA grow despite unused tax-advantaged space

One disadvantage to a HSA seems to be needing to wait until 65 vs 59 for a Roth for non-qualifying withdraws. I fully expect the 'save your old receipts' loophole to be closed soon, so if one was healthy at (early) retirement, there could be a big chunk locked up.
by brianH
Tue Feb 25, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 296
Views: 45209

Re: 30 year mortgage under 3%

Agreed. At some point it does not make much sense to refinance. I explored it a few months back (my rate is 4.25%), and the fees in Pennsylvania (title, mostly) just blew out the value. My payback was around 4-5 years, and I only have less than 4 remaining, if I make no more principal payments. Eve...
by brianH
Thu Feb 20, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29080

Re: Paying "early" on mortgage may be unwise

while pre-payment = sunk cost/equity investment in home (money is gone, cannot be easily recovered.) These discussions always miss that prepaying on a mortgage can be recovered via recasting or refinancing. The money is not gone; the reduced monthly payments after a recast would allow the differenc...
by brianH
Mon Feb 17, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a (used) house.How to avoid major defects? Inspections? Buyers Agent? Lawyers/contracts? Thanks.
Replies: 15
Views: 1367

Re: Buying a (used) house.How to avoid major defects? Inspections? Buyers Agent? Lawyers/contracts? Thanks.

In addition to a quality inspector, do some research yourself at this great site: https://inspectapedia.com/ Depending on your area and market 'hotness', even if an inspection turns up a number of defects, you won't be able to ask the sellers for much compensation. If you walk away, this could mean ...
by brianH
Sun Feb 16, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4079

Re: Does anyone use plaid.com?

Forgot to mention that Plaid was acquired by Visa recently (for 5.3 billion.)

It should be no surprise that your financial data is very valuable.
by brianH
Sun Feb 16, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4079

Re: Does anyone use plaid.com?

Finally someone knowledgeable replied. All my institutions that I linked offer OAuth so it's #1 category. Contrary to some misinformed posts here, the aggregator doesn't store passwords. A lot of false information in this thread. The aggregators I've spoken with (most of them) indicated that the OA...
by brianH
Sun Feb 16, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4079

Re: Does anyone use plaid.com?

Of course; all the data aggregation services do, regardless of whether they provide a shiny application to view it or not. Not 100% true. Some aggregators require the password to connect initially. After that, they may not require me to update the passwords to certain banks. I have changed my passw...
by brianH
Sun Feb 16, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4079

Re: Does anyone use plaid.com?

Not the OP, but does Plaid actually store username/password ? That's what I couldn't quite make out from glancing at the API. Of course; all the data aggregation services do, regardless of whether they provide a shiny application to view it or not. I work in this financial software space (including...
by brianH
Thu Feb 13, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Are 2.1 and 1.0-amp sockets really different on a USB charger?
Replies: 48
Views: 4846

Re: Are 2.1 and 1.0-amp sockets really different on a USB charger?

I have another question. Can someone point me at a technical description at the "right" level of just how USB charging works... what the spec is? In particular, does it turn out that virtually all chargers that has a pair of ports labeled "2.1" and "1.0" are using the same popular chip (or identica...
by brianH
Mon Feb 10, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Selling my home, get a septic inspection before listing?
Replies: 30
Views: 1433

Re: Selling my home, get a septic inspection before listing?

As for me, my wife and I swore to never have a home with a septic system again. I hate having to be so careful about what goes down the drain, and having to deal with the uncertainty on selling the home. No, thanks! I hate the sewer system bills too, but at least I know what they are from month to ...
by brianH
Fri Feb 07, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 60
Views: 3199

Re: Engagement Ring Insurance

I use Jewelers Mutual as well. Coverage for a ring 'worth' $5500-$6000 is around $80 a year. I priced out adding it to homeowners, at it was actually cheaper to go with JM. I also considered, as mentioned by others, that I don't want to make a claim on my HOI if I can avoid it. I suspect that I will...
by brianH
Fri Feb 07, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Manual Transmission + Electric Parking Brake?
Replies: 58
Views: 3453

Re: Manual Transmission + Electric Parking Brake?

Being able to downshift smoothly is machismo? Is being able to parallel park machismo as well? I'm all for modern safety features like automatic braking, lane assist, and blind spot monitoring. I even like stability control and ABS even though I disable them for rally cross because you can drive sa...
by brianH
Thu Feb 06, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Are 2.1 and 1.0-amp sockets really different on a USB charger?
Replies: 48
Views: 4846

Re: Are 2.1 and 1.0-amp sockets really different on a USB charger?

USB testers are pretty cheap too https://www.amazon.com/Eversame-Multimeter-Voltmeter-Indicator-DC3-6-30V/dp/B07JYVPLLJ/ref=sr_1_90?crid=3QX1JXRLREY1U&keywords=usb+tester&qid=1581038371&refinements=p_85%3A2470955011&rnid=2470954011&rps=1&sprefix=USB+tester%2Caps%2C145&sr=8-90 I have one of these US...
by brianH
Tue Feb 04, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Manual Transmission + Electric Parking Brake?
Replies: 58
Views: 3453

Re: Manual Transmission + Electric Parking Brake?

My Mazda’s hill assist has been flawless. I had no idea my Mazda 3 had this feature until I was driving it home from the dealership. Coming from cars that didn't even have ABS, let alone hill-assist, it was an awesome surprise. I get the machismo in this thread, but it's like many safety features: ...
by brianH
Tue Feb 04, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 89
Views: 7638

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

My 12y heat pump water heater has non-serviceable anode rods. I've always considered this 'life hack' to be of dubious value. The real thing protecting your tank is the glass lining. Once that starts to go or the tank is rusting from the exterior, anode or not, it's going to die soon. The other issu...