Search found 732 matches

by Finridge
Thu May 28, 2020 2:52 am
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 31
Views: 1751

Re: Falcon 9 Launch to the International Space Station

It was still fun to watch even though the launch got scrubbed close to the launch time. I'm planning on watching again on Saturday.
by Finridge
Thu May 14, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4822

Re: 90%+ chocolate bar

How about 100%? I really like this one. Trader Joes Montezumas 100 Cocoa Solids Dark Chocolate Absolute Black with Coca Nibs. See the picture at the link below. https://fearlessflyingkitchen.com/2018/02/11/swashbuckled-s1e4/trader-joes-montezumas-100-cocoa-solids-dark-chocolate-absolute-black-with-c...
by Finridge
Sat Apr 25, 2020 2:42 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20111

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

We got this clipper kit at the beginning of the pandemic. I have used it twice now it works great. I recommend it. Search up a youtube video on how to use a kit like this and you are in business. "Wahl Clipper Fade Cut Haircutting Kit 79445 Trimming and Personal Grooming Kit with Adjustable Fade Lev...
by Finridge
Tue Mar 24, 2020 3:42 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Masks (medical or N95) availability

Confusing info on this thread - 1. People keep saying that "everyone" (70%+) will catch COVID-19. Did 70% of China catch it? With 3,200 deaths? Their new cases have flattened since mid Feb. 70% of S. Korea with 111 deaths? Something doesn't add up. 2. Why are N95 masks useless for the public but es...
by Finridge
Wed Mar 18, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

I bought a new laptop so that it will be easier for me to work remotely. I would have put it off, but when it looked like quarantines were on their way, I pulled the trigger. I am deferring other purchases that I was planning on making.
by Finridge
Tue Mar 17, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55546

Re: How to get Toilet Paper ? seriously.

Make a bidet out of a water bottle. Google water bottle bidet.

Also see: https://www.youtube.com/watch?v=_ztH_07mHwc
by Finridge
Tue Mar 17, 2020 3:06 pm
Forum: Personal Investments
Topic: Vanguard Web Site Failure - Warning...
Replies: 7
Views: 697

Vanguard Web Site Failure - Warning...

In the last hour before market close, the Vanguard web site was super slow. I was not able to complete trades. I guess the actionable item here is that in a volatile market, when lots of people are presumably doing THL'ing, you need to assume that the Vanguard web site will not have the bandwidth to...
by Finridge
Tue Mar 17, 2020 2:28 pm
Forum: Personal Investments
Topic: What day/time can I TLH to capture today's losses?
Replies: 15
Views: 993

Re: What day/time can I TLH to capture today's losses?

Is anyone else experiencing significant lags on the Vanguard web site in trying to exchange funds or make trades? I expect there are getting a lot of TLH traffic right now...
by Finridge
Tue Mar 17, 2020 12:24 pm
Forum: Personal Investments
Topic: What day/time can I TLH to capture today's losses?
Replies: 15
Views: 993

Re: What day/time can I TLH to capture today's losses?

I know that when I tax-loss harvest VTSAX (Vanguard Total Stock Market - Admiral) into VFIAX (Vanguard 500 - Admiral), and if do this before the end of the trading day, I get the price as of the end of the day (4:00 PM Eastern Time). Is this the same with the international funds such as VTIAX (Vangu...
by Finridge
Mon Mar 16, 2020 3:02 pm
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 153
Views: 16797

Re: The Black Swan is Here

We've been talking about it forever on this forum but I think it's here. The stock market is crashing, public places are closed, stores ran out of stuff, people will soon lose their jobs, and no antidote for the plague yet. In time like this, this retired person is glad that I have 10 years of annu...
by Finridge
Sat Mar 14, 2020 2:29 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

An interesting discussion of the logistical issues posed by the pandemic in providing consumer products to shoppers.

https://www.washingtonpost.com/business ... ronavirus/
by Finridge
Fri Mar 13, 2020 2:48 pm
Forum: Personal Investments
Topic: TLH: Converting Vanguard mutual funds to ETF's?
Replies: 1
Views: 146

TLH: Converting Vanguard mutual funds to ETF's?

Has anyone converted their Vanguard mutual funds to ETF's to make tax loss harvesting easier? I generally prefer mutual funds to ETF's, but tax loss harvesting with mutual funds is always unnecessarily stressful because you get close-of-market pricing for exchanges placed earlier... What pros and co...
by Finridge
Thu Mar 12, 2020 2:47 pm
Forum: Personal Investments
Topic: Third Tax-Loss Harvesting Partner for Vanguard FTSE All-World AND Vanguard Total Int'l Stock funds
Replies: 7
Views: 375

Third Tax-Loss Harvesting Partner for Vanguard FTSE All-World AND Vanguard Total Int'l Stock funds

I normally tax loss harvest between Vanguard FTSE All-World and Vanguard Total International. But given the extent of this downmarket, I have losses in both that I would like to harvest. What would be a good third TLH "partner" for both Vanguard FTSE All-World and Vanguard Total International?' Than...
by Finridge
Wed Mar 11, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

So now Trump is planning on banning all travel from Europe... Specifics still need to be released. But if you have a trip to/from Europe in the next month or two, you'll want to follow this very closely.
by Finridge
Wed Mar 11, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252172

Re: What Book Are You Currently Reading? Part VI

* Enjoying re-reading Boccaccio's Decameron.....this collection of 100 stories is based on the conceit that ten lovely Florentine youths (men and women) have taken refuge from the PLAGUE by going to a villa in Fiesole, in the hills above Florence. They pass the time each evening by each telling a s...
by Finridge
Fri Mar 06, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

So I was about to buy tickets to UK/Ireland for a vacation. Had found great business class tickets for the dates in June. And then I saw the story about Italy now having issues and virus is spreading. So we decided to hold off and see how it develops. We are already going to Italy/Europe in May. So...
by Finridge
Wed Mar 04, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

Nobody knows the denominator. Anyone who tells you the fatality rate is making stuff up They are not "making stuff up". They might be working with incomplete data, but that is all you can do. The Diamond Princess cruise ship is a case where we know exactly how many of the 3,700 have been infected (...
by Finridge
Tue Mar 03, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

I can't remember the name of the cognitive bias that is at play here, throwing off our risk assessment because coronavirus is all over the news and other higher risks are not reported every hour. Maybe someone can remind me. Availability bias: https://en.wikipedia.org/wiki/Availability_heuristic Fr...
by Finridge
Mon Mar 02, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

The U.S Centers for Disease Control (CDC) is the federal government agency tasked with primary responsibility in preventing and managing epidemics/pandemics. A few years ago, they published educational material for the pubic urging people to be take reasonable precautions in order to be prepared for...
by Finridge
Sat Feb 29, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Our local Costco is swamped today with people stocking up on supplies. They are sold out of various items (like bottled water, toilet paper, lysol wipes) already. I figured as such. And as soon as other people observe this or read or watch it in the news they will join the panicky "must do somethin...
by Finridge
Sat Feb 29, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Our local Costco is swamped today with people stocking up on supplies. They are sold out of various items (like bottled water, toilet paper, lysol wipes) already.
by Finridge
Thu Feb 27, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

I am doing absolutely nothing, it doesn't merit any special treatment. This shows misinformation and fear spreads fast, it's absurd and laughable. It's more dangerous to eat a cheeseburger (heart disease) or a doughnut (diabetes). It's quite a beautiful experiment on society to see how people becom...
by Finridge
Thu Feb 27, 2020 3:32 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

So it turns out that the Department of Homeland Security has a web page providing guidance for pandemics, and this was last updated 2/5/2020. https://www.ready.gov/pandemic "Before a Pandemic - Store a two week supply of water and food. - Periodically check your regular prescription drugs to ensure ...
by Finridge
Wed Feb 26, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Frankly, if it becomes epidemic it may be impossible to prepare for it. If this is a grinding, multi-month event in the US, like it is in China, the economy will crater. There are millions of people in this country who *need* to work in order to eat. I could hunker down for months, telecommute etc....
by Finridge
Wed Feb 26, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Based on a conversation with my physician (a Chinese native btw) I am not too concerned. Her feelings were that it would be controlled. In fact she indicated this is the 3rd outbreak since 2000. How long ago was this conversation? I'm guess it was probably over a week ago, because any reasonable ch...
by Finridge
Wed Feb 26, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

So I was about to buy tickets to UK/Ireland for a vacation. Had found great business class tickets for the dates in June. And then I saw the story about Italy now having issues and virus is spreading. So we decided to hold off and see how it develops. We are already going to Italy/Europe in May. So...
by Finridge
Wed Feb 26, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

We booked a trip to Ecuador in April. The company was doing discounts on a trip we had already planned on taking. We also plan on visiting the major amusement parks in Orlando, where we fly out of. I"m not in the slightest bit worried about traveling internationally. I have a 1/103 chance of being ...
by Finridge
Wed Feb 26, 2020 4:30 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22085

Re: What did you learn from the 2/24 sell off?

For those of you who are younger and just starting out, or even if you're well into the investing game but have years to go before retirement--you should learn to love bear markets. As Peter Bernstein, M.D. says in his excellent "The Four Pillars of Investing" (a book often recommended here): " The ...
by Finridge
Wed Feb 26, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252172

Re: What Book Are You Currently Reading? Part VI

"The Signal and the Noise" by Nate Silver. ... I think it it is a great (and important) read for the lay public and those who want to learn how to make sense of , say, financial or political predictions. The first chapter, on what went wrong with the forecasts leading up to the 2007 housing bubble ...
by Finridge
Tue Feb 25, 2020 11:52 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22085

Re: What did you learn from the 2/24 sell off?

What I learned: bogleheads.org disappointed me. I'm disappointed with the hysteria and drama of a few bad days that I have to sift through to find more calm/measured discussions that teach me finance/investing. The facade of "stay the course" appears to be just that, a facade for many, and I'm not ...
by Finridge
Tue Feb 25, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

Your assertion that the car was damaged when you got it, IS evidence. Where is their evidence that it was not damaged? Yes, you could have taken steps that would have made it much easier for you win here. It's too bad you didn't do that. But some here seem to be saying that because you didn't your a...
by Finridge
Tue Feb 25, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

A summaryof some of the CDC positions on masks/respirators I am seeing: For professionals seeing COVID-19 patients - they'd like to see these people in full protective gear: Googles, N95 respirators, gloves, gowns. ... Googles are good, but Goggles are better, Victoria I'd have to disagree. I prefe...
by Finridge
Tue Feb 25, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23925

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

Corona virus has kills about 2700 people worldwide... The common flu has killed 16,000 people in the US alone just the season so far... You should judge your risk level versus your travel fun... You are comparing an established disease to the beginning of a pandemic. COVID-19 has killed 2,711 out o...
by Finridge
Tue Feb 25, 2020 3:40 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22085

Re: What did you learn from the 2/24 sell off?

Anyone gain any insights from yesterday's sell off? I feel I got confirmation that I am truly Financially Independent. I have felt I was for a while now, but even though my losses from yesterday's sell off were significant in dollar terms I suffered no stress or regret or sense of loss. So I guess ...
by Finridge
Tue Feb 25, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

It seems that even the CDC does not seem to have a completely rational position on mask wearing. They recommend it for those with covid-19 but not for the flu: When it comes to the "consumer issues" of preparing for coronavirus, masks are probably an item that near the to of the list as to what we'...
by Finridge
Tue Feb 25, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

I did not provide advice. I merely stated that a simple face mask is not going to help you. ... I suggest we not debate this here. I'm no expert. Simply noting that your advice conflicts with the CDC's advice. Over the last several days, the CDC has put up a lot of information for both consumers an...
by Finridge
Mon Feb 24, 2020 11:50 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

1. Pointless, masks aren't going to protect you from this virus. Healthcare workers in full body PPE are still getting infected. Somewhere, their means of protection are getting compromised. Viruses cannot pass through anything like ghosts. But for something as highly infectious as the Coronavirus ...
by Finridge
Mon Feb 24, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

If you are going to stockpile, I'd suggest only stockpiling items that you both like and use in everyday life. In 1999, a lot of people built up huge stockpiles preparing for what they expected would be a collapse of society on December 31, 1999 resulting from the Y2K bug. I wonder how much of the t...
by Finridge
Mon Feb 24, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

A few days ago, New York Times headline was "Another Young Doctor dies In Wuhan" about a 29-year old doctor dying from coronavirus. When is the last time you read a headline like that about a flu epidemic? January of this year: https://www.nbcdfw.com/news/health/dallas-co-health-officials-confirm-1...
by Finridge
Sun Feb 23, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

So the Italy news did prompt me to make a morning stock up run. They were one of the most cautious countries in Europe -- had banned all direct flights from China early, were thermo-scanning international passengers quite early on, and still this happens, with no warning for residents of those town...
by Finridge
Sun Feb 23, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

The coronavirus has been mild in the vast majority of people who get it. That is if you are relatively young and healthy. However, if you are elderly, have chronic medical problems (lung disease, heart disease, immunocompromised, pregnant, etc) or you have very young children at home, you are at hi...
by Finridge
Sun Feb 23, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Other than buying plenty of N95 masks and non-latex gloves of appropriate sizes for your household, I think that the best way for people to prepare for this (and many other potential emergencies) is to simply ask yourself this question: if I was stuck in my home and could not go anywhere at all for...
by Finridge
Sun Feb 23, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252172

Re: What Book Are You Currently Reading? Part VI

Three contemporary novels that I have completed recently that I enjoyed: "Asymmetry" by Lisa Halliday. This one didn't catch my interest quickly, but I'm glad that I stuck with it. It is based, in part, on a romantic relationship that the author had with Philip Roth. Part 2 may throw you for a loop...
by Finridge
Fri Feb 21, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252172

Re: What Book Are You Currently Reading? Part VI

Three contemporary novels that I have completed recently that I enjoyed: "Asymmetry" by Lisa Halliday. This one didn't catch my interest quickly, but I'm glad that I stuck with it. It is based, in part, on a romantic relationship that the author had with Philip Roth. Part 2 may throw you for a loop ...
by Finridge
Wed Feb 19, 2020 2:50 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128919

Re: Coronavirus (Consumer Issues) How you are preparing?

Did you get the flu shot? Because you are more likely to die from it - heuristic bias, I wouldnt worry about it. I wouldnt buy masks. And im a front line professional in healthcare. +1 1100+ people have died from the coronavirus this year. 100,000 people have died from cancer in the same time frame...
by Finridge
Mon Feb 10, 2020 11:34 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97051

Re: Well, I am market timing... Wish me luck.

Good luck. Maybe you’ll find 50/50 to be your real comfort zone and just stay there for the duration. That's what I'm thinking. The way I see it, if you find yourself wanting to switch to a more conservative portfolio for any reason other than your age or retirement date, etc., then strongly consid...
by Finridge
Mon Feb 10, 2020 11:26 pm
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8219

Re: Explain to me why dividends aren't real money

Dividends are real money.

In non-tax advantaged accounts, they are also a good way to rebalance without selling shares and realizing capital gains. Instead of having the dividends reinvested into the mutual fund they originate from, invest them in the mutual funds you need to rebalance into.
by Finridge
Mon Feb 10, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14067

Re: Am I crazy to consider quitting my job?

I have a good job. It's a stable job that pays well (read: Federal govt). I work 3 days a week and have been doing this for over 8 years. I've been with the gov't for a little over 10 years. I work in the office 3 days, and on the days that I'm off, I'm really off. I don't get any emails/calls from...
by Finridge
Mon Feb 10, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Digital Job Interview?
Replies: 18
Views: 1310

Re: Digital Job Interview?

Other than providing flexibility for the candidate (can do it at any time), I'm not sure what the advantage is since the reviewer will still have to watch the video (I suppose they could quickly turn it off if they don't like something?). And it doesn't remove any biases since the person's voice an...
by Finridge
Sun Feb 09, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252172

Re: What Book Are You Currently Reading? Part VI

Swag by Elmore Leonard I liked how they came up their 10 golden rules for a successful career in armed robbery and then proceeded to systemically break them. "1. Always be polite on the job and say please and thank you. 2. Never say more than necessary. Less is more. 3. Never call your partner by n...