Search found 5482 matches

by madbrain
Wed May 27, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 69
Views: 3438

Re: does anyone have a subscription to youtube tv?

I tried it. New CBS shows had commercials that couldn't be skipped ! Some DVR. This is apparently working as designed. I cancelled it before the end of the trial due to this. That was a contractual requirement for CBS specifically, and was removed on December 3 2019. Good to know ! Was this ever an...
by madbrain
Wed May 27, 2020 1:29 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 67
Views: 4450

Re: What will you NOT buy online?

protagonist wrote:
Tue May 26, 2020 5:47 pm
Love.
Where else do you usually buy that from ?
by madbrain
Wed May 27, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 69
Views: 3438

Re: does anyone have a subscription to youtube tv?

I tried it. New CBS shows had commercials that couldn't be skipped ! Some DVR. This is apparently working as designed.
I cancelled it before the end of the trial due to this.
by madbrain
Wed May 20, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Eliminates Reg D Transfer Limits
Replies: 12
Views: 1496

Re: Fed Eliminates Reg D Transfer Limits

This is temporary, only up to 6 months. What is temporary? The Marcus rule change, or the Fed rule change? And how temporary? If Ally doesn't match Marcus in this and it's not temporary, I'm definitely switching to Marcus. The fed rule change. It's right there in the link posted at the top of this ...
by madbrain
Tue May 19, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 337
Views: 29083

Re: JPM Chase Reserve Card gets more expensive

I have found the Doordash benefit impossible to utilize. Doordash considers all our favorite restaurants to be "out of area". They would deliver from those restaurants if we lived closer. As we live in the hills, there is just about zero restaurant nearby. This is a strong incentive to cancel the CS...
by madbrain
Tue May 19, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Eliminates Reg D Transfer Limits
Replies: 12
Views: 1496

Re: Fed Eliminates Reg D Transfer Limits

This is temporary, only up to 6 months.
by madbrain
Tue May 19, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3981

Re: Dual citizen, USA passport expiring, how to travel internationally

I was in a similar situation a few years ago. My US passport was at the Vietnamese embassy for visa processing. My grandmother died in France during that time. Due to religious customs, the burial would have to take place within 36 hours of when I learned of it. I took my French passport and boarded...
by madbrain
Sat May 02, 2020 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3387

Re: Is it safe to store financial statements in the cloud?

ballons wrote:
Sat May 02, 2020 1:21 am
Encrypted? Yes.
Unencrypted? So long as you pay for the service, cloud is based in USA, and ToS say you have privacy, yes.
End-to-end encryption is what you want. Anything else is meaningless.
by madbrain
Sun Apr 26, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7754

Re: Where to buy a home in the Bay Area

Squeaky wrote:
Sat Apr 25, 2020 11:46 pm
My dad lives in San Carlos, it's about 40 min away, it's perfect!
Sure, but it's not in the South bay.
by madbrain
Sat Apr 25, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7754

Re: Where to buy a home in the Bay Area

There is no place in the south bay that's within 40 min drive of SF.
by madbrain
Thu Apr 23, 2020 6:50 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

EnjoyIt wrote:
Wed Apr 22, 2020 10:16 pm
And bears. Oh my.
But we have known about those for a long time in the following thread :
viewtopic.php?f=10&t=80065
by madbrain
Wed Apr 22, 2020 3:23 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

We are delaying the inevitable which is herd immunity. This will occur either though 70-80% of the population getting infected, invention of a vaccine, and the combination of the two. Herd immunity is not inevitable ! Even if 100% of the population got infected once, we still don't know for sure if...
by madbrain
Wed Apr 22, 2020 6:03 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Still, do be aware that “for reasons that we don’t understand, front-line health-care workers are at great risk for serious illness despite their younger age.(1)” Some believe it's due to being exposed to higher innoculum, which again highlights the absolute, critical, imperative need for HCWs to h...
by madbrain
Tue Apr 21, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5683

Re: Should I buy a new rice cooker from Zojirushi?

Zojirushi is an excellent brand. I have one of their bread makers and couldn't be more satisfied. When it comes to rice, I don't have the patience for rice cookers, though. Using my pressure cooker on an induction cooktop, I can cook rice in 5 minutes flat. And my asian husband loves it that way. Yo...
by madbrain
Tue Apr 21, 2020 11:17 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Antibody testing is weird. I don't know what I'm gonna do with it. I don't know if it means you're immune. I don't know how much cross-reaction to other coronaviruses. And I don't know if you are still contagious or not. I really don't know what I'm gonna do with these tests that everyone says are ...
by madbrain
Mon Apr 20, 2020 9:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628987

Re: U.S. stocks in free fall

H-Town wrote:
Mon Apr 20, 2020 3:41 pm
It wouldn't be hard since gravity would do all the work :mrgreen:
You are forgetting about all the marine sources.
by madbrain
Mon Apr 20, 2020 9:26 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

If a successful vaccine has a low probability of success, then most everyone will need to get the virus eventually. Might as well get it over with in a controlled manner and get people working again. We don't even know if getting the virus once provides any immunity. In fact, there is some evidence...
by madbrain
Mon Apr 20, 2020 12:03 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

rkhusky wrote:
Sun Apr 19, 2020 8:11 pm
Probably because most people are not personally affected so far. We haven’t even reached the number of deaths from an ordinary flu season.
This is false. Ordinary flu season in the US is 24,000 - 60,000 deaths on an annual basis. We have 41,000 COVID-19 deaths in just a few months.
by madbrain
Sun Apr 19, 2020 11:37 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

It is very curious and something that people are probably looking into. A 40% decrease is not subtle. Typically cardiologists see an increase in STEMI attacks due to virus infections. In this case they are seeing the opposite. That's really interesting. I wonder what's behind that. Ambulances being...
by madbrain
Sun Apr 19, 2020 10:47 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128915

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

Sudafed is on my list for today. Mine is expired. At least people can’t hoard that since you have to do the “I am not a meth lab” database registry. The downside is that you must go out in person to buy it and sign for it. So you have to choose between getting exposed to SARS-CoV2 at the store, or ...
by madbrain
Fri Apr 17, 2020 8:14 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Edit: Looks like 3.5 million now. And 200k per day, which is still increasing as the Abbott test becomes more widespread. People kept complaining that US wasn't testing enough, and now that it is testing more than any other country, still not good enough. The goalposts need to stop moving. I don't ...
by madbrain
Fri Apr 17, 2020 6:23 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

No at all. People will die of heart disease. To say with certainty that people will only die if the hospitals are full is mind boggling. :oops: People with heart attacks won't be saved if ambulances/ERs/hospitals are all unavailable. That's a certainty. Not mind boggling. Wrong. You are assuming. A...
by madbrain
Fri Apr 17, 2020 5:29 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Cash is King wrote:
Fri Apr 17, 2020 5:19 pm
No at all. People will die of heart disease. To say with certainty that people will only die if the hospitals are full is mind boggling. :oops:
People with heart attacks won't be saved if ambulances/ERs/hospitals are all unavailable. That's a certainty. Not mind boggling.
by madbrain
Fri Apr 17, 2020 5:11 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Bingo!. In my opinion, People will get Covid-19 whether we reopen or not. People are going to get the cold or the flu whether we reopen or not. Even if that was true, should they all get Covid-19 at the same time while hospitals are full ? That's what flattening the curve is trying to prevent. Peop...
by madbrain
Fri Apr 17, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5677
Views: 485202

Re: U.S. stocks continue to soar!

But I think a lot of the job losses are temporary. There is a huge difference between being laid off because the government has temporarily shut down your industry and losing a job due to a general recession/depression, where a new job might be years in the future. The shutdown will be temporarily,...
by madbrain
Thu Apr 16, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tech job switch during pandemic: benefits/risks?
Replies: 27
Views: 2369

Re: Tech job switch during pandemic: benefits/risks?

novemberrain wrote:
Thu Apr 16, 2020 9:51 pm
Software companies almost never enforce non-competes. Especially in the Bay Area. Massachussetts is the only state I know that enforces
For good reason, since they are not legal in California, and thus not enforceable.
by madbrain
Thu Apr 16, 2020 7:15 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Interestingly Remdesivir is a prodrug of GS-441524, which is under investigation for and has been very successfuly used for two years or so to cure cats of feline infectious peritonitis (FIP). FIP is caused by the feline enteric coronavirus. There is no doubt it works on cats infected with feline c...
by madbrain
Wed Apr 15, 2020 10:36 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

If a mask doesn’t protect the wearer from aerosols, it won’t protect those around the wearer from aerosols either. Why would you assume that ? The virus can infect someone through the eyes. But the eyes don't produce aerosols, to my knowledge. A mask could thus still protect those around the wearer...
by madbrain
Wed Apr 15, 2020 10:16 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

If a mask doesn’t protect the wearer from aerosols, it won’t protect those around the wearer from aerosols either. Why would you assume that ? The virus can infect someone through the eyes. But the eyes don't produce aerosols, to my knowledge. A mask could thus still protect those around the wearer...
by madbrain
Wed Apr 15, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296772

Re: Coronavirus and the market

Europe has just plain died, and it's not like international was doing well before the crash. But yeah, 'we've had a 50% retracement. SPY 3380 -> 2230 at the low. That's a 1150 point drop. Half that is 575. From the bottom, that's around 2800, approximately where we got yesterday. By the numbers, a ...
by madbrain
Wed Apr 15, 2020 7:42 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

rivendell wrote:
Wed Apr 15, 2020 7:16 pm
The size of the second wave in the fall of 2018 is concerning.
I think you meant 1918.
by madbrain
Wed Apr 15, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296772

Re: Coronavirus and the market

Forester wrote:
Wed Apr 15, 2020 4:47 am
Bulls are trying to deploy reverse psychology - "everyone thinks there'll be a retest" - if that's the case why did we retrace so rapidly over 50%?
Where are you seeing a 50% retracing ? I'm not seeing it in European or US indices.
by madbrain
Wed Apr 15, 2020 3:58 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5437
Views: 1349856

Re: What Movie Have You Recently Watched?

The death of Stalin. Very funny. +1 I loved it. Im well jaded over the cookie cutter movies so prevalent today. They all follow predictable themes, but not this one! This was off the charts. Steve Buscemi is the man! Yes, he was very good in this. I was looking to see this movie in the theater when...
by madbrain
Tue Apr 14, 2020 3:34 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296772

Re: Coronavirus and the market

ThereAreNoGurus wrote:
Tue Apr 14, 2020 1:08 am
The most up-to-date estimate by the Oxford Center for Evidence-Based Medicine suspects the death rate is a flu-like 0.1% to 0.39%.
I couldn't find that claim on the website of the Oxford Center for Evidence-Based Medicine.
by madbrain
Mon Apr 13, 2020 3:12 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

The hotel’s ventilation system isolates the room (it’s been 40 years since Legionnaires’ disease, things have changed), They haven't changed as much as you think. I stayed in a Sheraton hotel near Heathrow airport last year. This was a non-smoking room. About an hour after I checked in, the room st...
by madbrain
Sun Apr 12, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5677
Views: 485202

Re: U.S. stocks continue to soar!

Jim180 wrote:
Sun Apr 12, 2020 5:45 pm
It may have been showing the Thursday close.
SPY is slightly down to $276.40 in the Sunday extended hours night session as I type this.
by madbrain
Sun Apr 12, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32135

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

dmcmahon wrote:
Sun Apr 12, 2020 3:49 pm
Me too. And yet, I'm forced to experience the wonders of a margin call to the extent that S&P 500 companies do it on my behalf!
By investing in an S&P500 index fund, you can not get a margin call, even if some companies use margin and get margin calls.
by madbrain
Sun Apr 12, 2020 3:36 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32135

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

dmcmahon wrote:
Sun Apr 12, 2020 3:27 pm
But in general, if investors wanted leverage, they can buy shares on margin!
Some of us would prefer not to have margin call risk, and thus won't use margin.
by madbrain
Sat Apr 11, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5437
Views: 1349856

Re: What Movie Have You Recently Watched?

The death of Stalin. Very funny.
by madbrain
Sat Apr 11, 2020 4:29 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Per Bloomberg.com, the following 9 drugs being considered for possible treatments for COVID: ANTIVIRALS: - Remdesivir - Favipiravir - Lopinavir/ritonavir - Sofosbuvir/daclatasvir PULMONARY: - Pirfenidone ARTHRITIS: - Tocilizumab ANTIBIOTIC: - Azithromycin MALARIA: - Hydroxychloroquine - Chloroquine...
by madbrain
Sat Apr 11, 2020 4:20 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

technovelist wrote:
Fri Apr 10, 2020 11:17 pm
I think I'm at about 100K hours in my profession.
I'm pretty good at it at this point. :D
That's about 50 years worth of work at 8 hours/day and 5 days a week, not taking any vacation or sick day. I hope you are FI after that much work.
by madbrain
Sat Apr 11, 2020 4:16 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

I’m working on a code base now relying on NTP time which has a similar end time (2036, unsigned since 1/1/1900). Even though I’ve brought it up a couple times no one really cares, so I’m not at all surprised. The Y2038 bugs I fixed were in X.509 certificate handling. That was a while ago. Didn't kn...
by madbrain
Sat Apr 11, 2020 4:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628987

Re: U.S. stocks in free fall

I guess it really is a V shaped recovery We'll see. Entire industries may be disrupted forever, if consumer habits change due to the virus. For example, movie theaters are likely to be closed until August. There is talk of AMC theaters going bankrupt. When will consumers go back to them ? It's poss...
by madbrain
Sat Apr 11, 2020 3:50 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

Unix end of time is coming in 2038. There will always be big scary problems to solve. All 32 bit computers running UNIX/Linux type OSs typically store their time as number of seconds since Jan1, 1970. In 2038, all of these systems will roll over and act like it’s early 1900. Many of those systems a...
by madbrain
Fri Apr 10, 2020 9:32 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72369

Re: Bogleheads community discussion - Coronavirus

Random thought. Are office buildings being maintained? Are custodians keeping their jobs? Is someone calling in HVAC companies, plumbers, etc. as needed? Are heating, ventilation, electricity, computer equipment rooms etc. being left running? If not, how long can a modern office be left vacant and ...
by madbrain
Fri Apr 10, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32135

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

fatcoffeedrinker wrote:
Fri Apr 10, 2020 8:40 pm
Two words: Supercharger network. Makes Tesla a travel car, not a commuter car.
My Volt PHEV is also a travel car. I heard the Superchargers on Interstate 5 in CA have multi-hour lines on the busiest travel days.
by madbrain
Fri Apr 10, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5677
Views: 485202

Re: U.S. stocks continue to soar!

Does this constitute your one allowable rollover per year??? I don't think so. I believe I'm allowed to do more than once per year under my Megacorp plan. But since the rollover is relatively process heavy with the snail mail, I don't want to do it too frequently. Most recently, in December, I roll...
by madbrain
Fri Apr 10, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5677
Views: 485202

Re: U.S. stocks continue to soar!

I was actually helping someone do it and just confirmed. It was Merrill lynch. 401k rollover and it was asset in kind. Never out if market. Once complete they can exchange the old Merrill funds for vanguard funds. Interesting. My 401k at Fidelity was invested in some institutional funds. I don't se...
by madbrain
Fri Apr 10, 2020 12:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628987

Re: U.S. stocks in free fall

watchnerd wrote:
Thu Apr 09, 2020 11:56 pm
madbrain wrote:
Thu Apr 09, 2020 11:52 pm
Lee_WSP wrote:
Thu Apr 09, 2020 11:00 pm
We're also basically back to the beginning of 2019 as of today's price.
Just above the low on May 27, 2019, actually.
That's pretty nuts.
That's what I am saying !
by madbrain
Fri Apr 10, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5677
Views: 485202

Re: U.S. stocks continue to soar!

401k was at fidelity and rolled it to vanguard. Was never out of market. Maybe because mine was 401k to 401k and didn’t involve Roth? Are you absolutely certain of that ? I had a 401k-to-401k plan rolled over from Fidelity to Vanguard in July 2018, and the use of checks for required. I certainly as...