Search found 68 matches

by shorvath
Fri Nov 08, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone track their actual pension benefit start date?
Replies: 51
Views: 2895

Re: Anyone track their actual pension benefit start date?

1) Retire earlier. The later that you retire, the more likely it is that you will die before the money that you paid into the system will be returned to you. Of course, the earlier that you retire, the lower your pension, so this is a balancing act. If you retire earlier, you many need to plan for ...
by shorvath
Mon Oct 28, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5702

Re: Uber VISA rewards cut

Random, vaguely on topic PSA:

You can link a Delta Skymiles account to your Lyft account to earn miles (1 per $1) independent of the payment method.
by shorvath
Wed Oct 16, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1401

Re: Dishwasher Finally Installed - Sample Tabs

I use a different brand, Cascade, and I'm happy with them.

There's mainly two types of tab. One type has the detergent + other stuff encased in a gelatin based film that dissolves in water. The other type has no film, the little detergent brick holds its own shape.
by shorvath
Thu Oct 10, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6624

Re: Artificial Intelligence and the stock market

I think a key issue with the stock market is that, compared to other fields using ML/AI there is actually very little data available. There is no capacity for replication. We can analyze the 3D structure of a building from thousands of pictures each taken by a different camera, we can study genetics...
by shorvath
Fri Oct 04, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7997

Re: Daddy I'm engaged! Pre-nup?

Anecdotes aren't all that helpful. And serious discussions between two young people in love and planning to get married are perhaps not so conducive to the marriage going through and surviving if it happens. If both spouses have a large flashing "Emergency Exit" sign that they've carefully installe...
by shorvath
Tue Sep 24, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: IOS to do app
Replies: 14
Views: 868

Re: IOS to do app

I use Todoist, but pay for premium. You need the paid version for reminders, comments, labels, etc. The free version supports subtasks, organized in "projects." Todoist is very nice for managing recurring tasks.

https://todoist.com/pricing?lang=en
by shorvath
Sat Aug 17, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2471

Re: Uber Driving

https://therideshareguy.com/ It probably offers a lot of flexibility, but the pay is typically not great, esp. when you factor in the depreciation on your vehicle. However, if you are commuting to your job already, picking up someone on the way not only pays you but also allows you to make those mi...
by shorvath
Thu Aug 15, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

Thus employees of a company or its advisers can insider trade. I do not know what makes you believe this statement. I think he means "can" as in "able to", versus "can" as in "allowed to". If you aren't associated with a company, you can't ever commit insider trading wrt the company. Because you ar...
by shorvath
Thu Aug 15, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

Thus employees of a company or its advisers can insider trade. I do not know what makes you believe this statement. I think he means "can" as in "able to", versus "can" as in "allowed to". If you aren't associated with a company, you can't ever commit insider trading wrt the company. Because you ar...
by shorvath
Fri Jul 26, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7964

Re: Uber Without Smartphone

So how do you PAY the guy once he arrives? I'd want to get a dedicated credit card if its going to be linked to the phone for some sort of automagic transfer process... And not knowing the cost of just using the thing, beforehand. 2cents/MB... so what use is that info? - It is paid automatically wi...
by shorvath
Wed Jul 10, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208091

Re: S&P 500 hit 3,000 today

greg24 wrote:
Wed Jul 10, 2019 9:31 am
In hexidecimal, it hit BB8.
That picture looks like he (it?) is flipping someone off. :P
by shorvath
Wed Mar 20, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3999

Re: New carry-on policy at United Airlines?

Valet checked bags are infinitely worse, because if there is some issue/misunderstanding with the bag it can really interfere with making a connection. I've never had anything go wrong on a planeside check, and disembarkation is fast enough on smaller planes that I don't think I've missed a connect...
by shorvath
Wed Mar 20, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3999

Re: New carry-on policy at United Airlines?

I travel a lot for work, and I can't figure out why people go freak out so much about picking up luggage from baggage claim. Seriously, it isn't the end of the world. I've flown all over the country and rarely wait more than 15 minutes to get the bag. I gate check my carry-on whenever possible. The ...
by shorvath
Thu Jan 03, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Porting from a family plan to Google Fi
Replies: 29
Views: 1928

Re: Porting from a family plan to Google Fi

Just transferred my family plan from Verizon over Xmas. Have not had a full bill yet, but here are the surcharges I am seeing from my first bill, with one line (live in NC): Total $31.42 Calls & text $20.00 Device protection Pixel 3 $7.00 Data will be charged next month Taxes & regulatory fees Taxes...
by shorvath
Wed Dec 19, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 6410

Re: Kid schooling - not learning much academically. Looking for suggestions.

Just to throw an anecdote onto the data pile for IEP/GIEP: I went to public school in Pennsylvania (now 30) and had a GIEP. My mother was able to force the school to, in a sense, provide a superior education, by including participation in various extracurricular activities in the GIEP. The critical ...
by shorvath
Thu Jun 21, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55786

Re: What is/ was your career and would you recommend it now?

Academia.. adjacent? I'm pretty young (30), so I still have a long career story ahead of me. However, i often am stumped in the moment for how to best describe what I do, so approaching this as a bit of an exercise. Most of what I do right now is technology transfer for medical research (software ba...
by shorvath
Tue Jun 19, 2018 8:55 am
Forum: Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 5171

Re: Shorting Amazon

Is their primary market really retail? I thought they made more with AWS these days than in retail - only rivaled by MS Azure (if you don't know what I'm talking about you need learn to do some research before deciding to short a stock). Exactly. AWS keep Amazon going like a blowtorch through butte...
by shorvath
Fri Jan 12, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 897

Re: Resource on good financial practices for a graduate student?

I don't think there is any specific books for graduate students. Mainly because "graduate student" is an incredibly vague description. Targeted advice for someone graduating with a masters in public health will have little overlap with someone finishing a PhD in Computer Science. The most basic guid...
by shorvath
Thu Jan 04, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 2022

Re: internet browsers and free software?

I work for a company that produces and supports open-source software packages. Our revenue sources: research grants (as software support subcontracts or as investigators depending on our level of involvement) and consulting. The idea is you pay to have someone customize/help you with the software pa...
by shorvath
Mon Nov 20, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 8233

Re: Uber for someone who knows only taxis

I use Lyft/Uber on a weekly basis. Where its available, I prefer Lyft. Currently their services are pretty much identical, but in the past Lyft has had much better background check procedures for drivers. Uber has been improving to match them. The drivers don't expect tips! Though i tend to throw on...
by shorvath
Wed Nov 15, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 14565

Re: Has used furniture dropped in value dramatically?

If you are looking to get rid of china/silverware sets, hit up replacements.com. https://www.replacements.com/sell-to-us/ They try to stock specific china patterns in order to sell replacement pieces to customers. If the stuff you have is mid-high quality, there is a chance they are in the market fo...
by shorvath
Tue Sep 12, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 25282

Re: Is it really Worth it to brown bag your lunch at work?

I am ridiculously lucky that my office is above a co-op market. They have an excellent $8/lb salad and hot food bar with rotating themed selections. Takes only a few minutes to pop downstairs and grab a plate.
by shorvath
Thu Jul 20, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 2697

Re: SAT scores - whats the point??

1. Any college worth attending has an enrollment limit 2. Colleges need to fill slots with high level students to increase/maintain prestige and perceived value of education 3. A glut of low performing students will crowd out better ones, reducing the value of the university 4. Eventually, people wi...
by shorvath
Wed Jul 12, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: DNA question
Replies: 6
Views: 1025

Re: DNA question

Yes. Non-identical siblings share *on average* 50% of their DNA. If a particularly trackable sequence is inherited by one child and not the other, they can show genetic connections that the other might not have. This is prevalent with distant connections, where the amount of possible overlap is smal...
by shorvath
Mon Jun 19, 2017 2:03 pm
Forum: Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 7447

Re: Need to find Loaded Index Funds

Due to the new Fiduciary Rule, my firm no longer allows me to invest in no load funds, The contorted logic which would have to go into that sort of reading of the fiduciary rule is literally beyond my comprehension. I'll take a swing at this: "We put all of our clients into loaded funds because the...
by shorvath
Thu May 04, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 7673

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

She has a masters in psychology right now and is a licensed marriage and family therapist. She makes about $40k a year right now and has few career options. This is a PhD in counseling psychology and will allow her to work as a licensed Psychology. Her take home pay should get a decent increase. Ah...
by shorvath
Thu May 04, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 7673

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

What field is your wife planning to get her PhD in? Attempting a non-fully funded PhD is generally not viewed as a good idea. Taking on debt for it is a huge red flag.

https://www.insidehighered.com/blogs/gr ... -or-not-go
by shorvath
Mon Apr 17, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: how much is reasonable amount to spend [on gymnastics]
Replies: 42
Views: 4639

Re: how much is reasonable amount to spend [on gymnastics]

It's a shame she couldn't continue swimming. That's an activity that can continue into college at competitive levels, regardless of physical growth. I would think the scholarship opportunities would have been better as well. Much better investment.
by shorvath
Mon Apr 03, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Advice on setting up a network-level VPN
Replies: 29
Views: 3532

Re: Advice on setting up a network-level VPN

I recently got this router:
https://www.amazon.com/gp/product/B01LX ... UTF8&psc=1

for setting up a home OpenVPN server to access my desktop systems remotely. It also supports OpenVPN client mode. Nice out of the box solution.
by shorvath
Thu Mar 30, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 10645

Re: Bankruptcy of Westinghouse Electric

My father worked for Westinghouse off and on through his career as a mechanical engineer specializing in nuclear reactors. Westinghouse electric has been in a boom/bust cycle for DECADES. They get new contracts, hire engineers, and end up laying most of them off 4-5 years later when the contracted p...
by shorvath
Wed Dec 28, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 8536

Re: TV in the bedroom?

I need something mindless to help my brain shut off at night, so I do use a tv w/netflix. However, the TV i have has the option to turn off the screen entirely while still playing audio. A podcast/audiobook would also probably work, but I also like the TV for lazy weekend mornings/laundry/when sick,...
by shorvath
Fri Nov 11, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 11481

Re: What kind of apartment can $1k get you in your city?

Pittsburgh (Shadyside/North Oakland) - 2 bedroom ish in the older apartment buildings/weird house conversion setups 1 bedroom/studio in the newer "luxury" construction. Rent costs are highly variable due to the large number of small time landlords that only own 1 or 2 properties (maybe 6-10 units in...
by shorvath
Mon Nov 07, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: How to talk with a housekeeper?
Replies: 49
Views: 7912

Re: How to talk with a housekeeper?

Just ask about the broken blinds if its bothering you. Frame it as asking if she noticed that the blinds were broken when she was cleaning. My mother does similar housekeeping work, and never asks for raises. If clients don't offer them, they will generally get upset/offended/whatever if she asks. T...
by shorvath
Mon Aug 08, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Professor having to buy his own computer for work
Replies: 93
Views: 8793

Re: Professor having to buy his own computer for work

^ And departments are supposed to provide this support through through their 'indirects' charge to the funding agency. So, the stipends come largely* from the professor's grants anyways. Professors do pay own equipment through the departmental middle-men. * State and other local funding, e.g. medic...
by shorvath
Mon Aug 08, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Professor having to buy his own computer for work
Replies: 93
Views: 8793

Re: Professor having to buy his own computer for work

Is there any other way to get some tax relief for this large out-of-pocket expense? Apply for some research grants and include the hardware in the proposal? This has become more difficult in recent years. Funding agencies don't want to shell out for "general use" hardware, so you often can only put...
by shorvath
Sun Oct 04, 2015 11:48 am
Forum: Forum Issues and Administration
Topic: Instead of Her and His, how about Spouse1 and Spouse2?
Replies: 20
Views: 2651

Re: Instead of Her and His, how about Spouse1 and Spouse2?

Regardless of what you put as the default, someone is not going to like it. I would propose that we add something like this:

"Her/his are used for example purposes below. Please feel free to use the pronouns/designations that best suit your situation."
by shorvath
Wed May 27, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 13575

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

over 50% within 10 Oy, is this true? :( Our department kicked us out after 8 years. BTW, the duration to graduation is exteremely important consideration when picking a lab. To any grad student out there reading this: don't join a lab with 10+ year grad students in it. Also, this! I'm just about at...
by shorvath
Wed May 27, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 13575

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

Your "unless" case (22 years old and no career) represents the vast majority of grad students. Very few students start ofter having worked any significant amount of time, even in fields where the pay jump can be considerable. No one wants to go back to class :P Part time is not feasible, since it wo...
by shorvath
Mon Feb 16, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: grad student - taxes on W-2
Replies: 10
Views: 1335

Re: grad student - taxes on W-2

He may not be required to pay FICA taxes, as most grad students are exempt.

See:

http://www.irs.gov/Charities-&-Non-Prof ... o-FICA-Tax
by shorvath
Fri Jan 09, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 16672

Re: Do you use lifestrategy/ asset allocation funds?

I use Vanguard's Target Date 2055 fund, mainly because my account is currently to small to use admiral shares for the individual funds.
by shorvath
Tue Jan 06, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 4925

Re: Do you generally spend more when using credit cards?

Probably! As a mid 20ish person, I have never made a major purchase with physical cash (got my debit card at 16, switched to using credit cards after graduating college). Would I still feel the "emotional pain" cited above when using it? I attribute the increased spending with cards to convenience (...
by shorvath
Tue Aug 05, 2014 12:38 pm
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 10308

Re: average American eats out 203 times per year

I'm not pointing out anyone in particular here, but it is funny how certain people will defend to their death how important a difference in a .03 an ER is and yet plink down anyware from $6 to $12 a day every work day for lunch. I think that difference here is that there is a good chance that they ...
by shorvath
Tue Jul 29, 2014 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Grad school decision - Help requested
Replies: 25
Views: 3329

Re: Grad school decision - Help requested

Financial aid doesn't really exist in the same way for grad programs as it does for undergrad. On the federal side, it is pretty much loans only (unless you are training to become a teacher). On the school side, very little is going to be need based. Master's programs are often full-pay, and PhD pro...
by shorvath
Sat Jul 19, 2014 8:16 am
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 1725

Re: USPS Shipping Problem Again

I try to avoid USPS shipping, but often the decision is taken out of my hands. Amazon has been using the Fedex/UPS smart post services to save money. This is where they ship to the local post office, and the the package is delivered by the postman. About 50% of the time, the package is processed as ...
by shorvath
Thu Jul 17, 2014 10:02 am
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 5354

Re: Purchasing Food at Work

I make chili and then freeze it in appropriately lunch sized containers.
by shorvath
Mon Jun 30, 2014 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 13039

Re: do you lie about your finances to friends

The frequent discussion point that comes up with other people my age is student loans, and the general bemoaning of them. I usually just nod along agreeably and try not to draw attention to myself. Absolutely no one wants to hear that I don't have them.
by shorvath
Mon Jun 30, 2014 11:43 am
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 2413

Re: Breastfeeding and baby formula

On 4), has your wife been to a lactation consultant? They would have better advice on supply increasing. (Is this medical advice? Is so, mods feel free to remove).
by shorvath
Wed Jun 04, 2014 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 11374

Re: College & PhD vs $250k working

Grad student stipends can be deceptive... I'm currently making 36k a year, but I don't pay state, medicare, or social security taxes. How does that stipend get reported to you - 1098, 1099, W2, ? - just wondering for end of year tax planning... Mine is reported on a W2, with federal taxes withheld,...