Search found 466 matches

by 2cents2
Thu Jul 02, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1771

Re: Getting a Refund (or any response) from Delta Seems Impossible

Step One--look on the web site for a possible refund page (as noted above). Also, look under "My Trips" . Or, Search Results: Featured snippet from the web Requests for refunds may be submitted to any Delta ticketing location or your travel agent. Refunds for electronic tickets may be requested by c...
by 2cents2
Fri Jun 05, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 1987

Re: Federal Retirees - Two questions, please?

You could ask for a retirement estimate from your personnel office. Also, review your OPF for accuracy and make a personal copy. If you submit your paperwork in advance your personnel office will review it for completeness and accuracy. But, they will not send it off to OPM until you actually retire...
by 2cents2
Sun May 31, 2020 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 135
Views: 14447

Re: Chase reducing credit card limits

Many lenders have been reducing credit card limits since the COVID-19 crisis began. They use a variety of algorithms to assess the risk of the credit cards they have issued. The letters they send out to the cardholders tend to be form letters citing one of several standard reasons, and the reason m...
by 2cents2
Tue May 26, 2020 11:15 pm
Forum: Personal Investments
Topic: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?
Replies: 8
Views: 498

Re: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?

I left this out from my original explanation because I was afraid it would become too long and convoluted. We actually did fill out a form and we sent it in to the receiving end (USAA). USAA was told by Fidelity that an additional Fidelity form was needed. We requested the form from Fidelity--which...
by 2cents2
Tue May 26, 2020 10:21 pm
Forum: Personal Investments
Topic: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?
Replies: 8
Views: 498

Re: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?

That's pretty outrageous. I know you want to avoid an indirect rollover, but in this case it sounds like by far the cleanest option. I believe DH is only allowed one indirect rollover--Next month I believe he is going to receive 2 checks from another retirement account (contributions and interest w...
by 2cents2
Tue May 26, 2020 10:10 pm
Forum: Personal Investments
Topic: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?
Replies: 8
Views: 498

Re: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?

Does anyone know how to get Fidelity to issue a paper check from a traditional IRA (it will be a partial rollover) to an IRA (held in another company other than Fidelity) for a direct rollover? IRA rollovers start from the receiving end. Fill out the transfer form from the receiving institution and...
by 2cents2
Tue May 26, 2020 10:30 am
Forum: Personal Investments
Topic: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?
Replies: 8
Views: 498

Does anyone know how to get Fidelity to issue a paper check for a partial rollover?

Does anyone know how to get Fidelity to issue a paper check from a traditional IRA (it will be a partial rollover) to an IRA (held in another company other than Fidelity) for a direct rollover? I want them to issue a check to USAA Ins company for the benefit of (DH). They told us that there is no ho...
by 2cents2
Mon May 25, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14471

Re: Pandemic buys that have improved quality of life?

Pair of clippers so I could cut DH's hair. I have never done a hair cut before, but I gave him the best haircut I could give based on the YouTube tutorial. (DH is happy about not having long hair--so, I guess that is a win).

Fabric to make masks for family and friends.
by 2cents2
Wed May 06, 2020 6:51 am
Forum: Personal Investments
Topic: Is now a bad time to front load my 401k?
Replies: 12
Views: 1014

Re: Is now a bad time to front load my 401k?

I started my job a few weeks ago and I have a pre-tax 401k invested in a target retirement fund (2065). I currently have my payroll deduction set to the max amount (65%, and it's matched by my company). I'm not an emotional investor - I realize that I have over 40 years until I plan to retire, but ...
by 2cents2
Sat Apr 18, 2020 8:05 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6109

Re: Issues with face masks?

Are there any better kinds for this issue? I may try to make some tomorrow and also give some to my neighbors. I have some bandanas that will work perfect. Has anyone found a good store to buy any types of masks at? Here are some links patterns for making masks. The first two have room for a filter...
by 2cents2
Tue Apr 14, 2020 1:59 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75232

Re: Bogleheads community discussion - Coronavirus

The very first immune contact for Covid-19 is not the lung (small particle) but larger particles. We have evidence for this clinically as patients have been describing relatively mild and prolonged symptoms of loss of smell, nasal congestion and perhaps dry cough. Its only until they say, "it went ...
by 2cents2
Sun Apr 12, 2020 10:51 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75232

Re: Bogleheads community discussion - Coronavirus

I received some clothes mask today from a company hat makes other cotton goods. Masks are OK: they cover the nose and the face, and have elastic bands that go around ears. I think they need some modifications to work better: - elastic bands going around the ears are too unstable. Occasionally, they...
by 2cents2
Wed Apr 08, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4627

Re: Charity during the pandemic

We normally make cash donations to our local food bank because we want them to fill in where there is the most need. But, with the supplies the way they are they have the following notice on their web site: "What does (my local food bank) need right now? Quite frankly, we can use most anything. Unti...
by 2cents2
Sun Apr 05, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Save those first aid and sanitary product receipts! New Payment Flexibility, Courtesy Of COVID Rescue Act
Replies: 10
Views: 1766

Re: Save those first aid and sanitary product receipts! New Payment Flexibility, Courtesy Of COVID Rescue Act

The title is incorrect in one respect. Yes, over the counter medications were removed from the list of qualified expenses by the ACA. However, first aid supplies never were. This would not apply to a limited purpose FSA. These are all still medical expenses, unless they are specifically dental or v...
by 2cents2
Sun Apr 05, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Save those first aid and sanitary product receipts! New Payment Flexibility, Courtesy Of COVID Rescue Act
Replies: 10
Views: 1766

Re: Save those first aid and sanitary product receipts! New Payment Flexibility, Courtesy Of COVID Rescue Act

I wonder how long it will take to get that updated by the FSA provider and also stores that claim to know which items are FSA eligible?
by 2cents2
Tue Mar 31, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: College Cost
Replies: 17
Views: 1344

Re: College Cost

Worst case scenario, I will pay the family contribution for the student (had setup a 529 plan setup for the kid 12+ year ago for this eventuality) or loan the money at 0% (if student insists on paying it back after getting a job). If you use the 529 plan money, it will impact financial aid for the ...
by 2cents2
Tue Mar 31, 2020 8:37 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Virginia in lockdown till June 10th That's one of the later dates I have seen. It looks like they are projecting the peak resource use date here in VA to be May 17th-- per this website: https://covid19.healthdata.org/projections I just checked the above website again this morning and they revised t...
by 2cents2
Mon Mar 30, 2020 5:35 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

JAZZISCOOL wrote:
Mon Mar 30, 2020 5:05 pm
New Providence wrote:
Mon Mar 30, 2020 3:47 pm
Virginia in lockdown till June 10th
That's one of the later dates I have seen.
It looks like they are projecting the peak resource use date here in VA to be May 17th--
per this website: https://covid19.healthdata.org/projections
by 2cents2
Sun Mar 29, 2020 10:35 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Folks, Could you please recommend any DIY washable face mask design with a pocket that I can insert tissue paper? Something that I can watch a video and do it. I do not know how to use a sewing machine. So, I have to manually sew it. Thanks. KlangFool I found this design: https://freesewing.org/fu-...
by 2cents2
Sun Mar 29, 2020 9:21 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

I (husband) went on the last shopping trip and spent over $600 to last us about a month. Both of us have multiple risk factors in addition to being old. I wore gloves and used hand sanitizer after removing the gloves in the parking lot and disposing of them in their garbage can. When I got back hom...
by 2cents2
Sun Mar 29, 2020 9:16 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

mouses wrote:
Sun Mar 29, 2020 8:52 am

I'm not a medical person, but there's a nice little article here on factors to take into account:
https://www.cnn.com/2020/03/24/health/c ... index.html
The numbers are pretty stunning.
by 2cents2
Sun Mar 29, 2020 8:42 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

I have a question regarding who should be going out to get the groceries. I have not seen data for the US of male vs female fatality. I have no idea if the US follows the data in Wuhan, Italy and Germany where more males die than females. Also, I don't know if this means the illness is equally dist...
by 2cents2
Sun Mar 29, 2020 8:39 am
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7124

Re: Share what worked in your plan during the crisis

CD bond ladder for near term expenses (DH retiring soon). Liquidity is great in a situation like this. Don't just do something, stand there -for everything else. It is disconcerting to see the balance go down, but I can't think of a better plan. We have reached the re-balancing band, but I am waitin...
by 2cents2
Sun Mar 29, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17602

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

I'm going to Disney World....
by 2cents2
Sun Mar 29, 2020 8:23 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

I have a question regarding who should be going out to get the groceries. I have not seen data for the US of male vs female fatality. I have no idea if the US follows the data in Wuhan, Italy and Germany where more males die than females. Also, I don't know if this means the illness is equally distr...
by 2cents2
Sat Mar 28, 2020 9:29 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Folks, UK's case count is 15K. But, the death counts are about half of the USA at 761. The actual BBC Broadcast https://www.youtube.com/watch?v=YOqwXzwSLog https://www.washingtonpost.com/world/2020/03/28/coronavirus-latest-news/#link-SH7SHNVXNJBJVI672FRHB7NX7Q <<Editor of Lancet medical journal sla...
by 2cents2
Sat Mar 28, 2020 7:21 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

I’ve posted a lot on how I think masks can prevent spread of the disease (by containing germs) because something needs to explain Japan’s low hospitalization/death rate. I guess it should also be pointed out that Japan requires a BCG immunization while I believe Europe and the US do not. BCG primes...
by 2cents2
Sat Mar 28, 2020 6:57 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

In Wuhan and in Italy the covid-19 death rate for males was higher than for females. Do we know if this is also true in the US?
by 2cents2
Fri Mar 27, 2020 9:12 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Recent data from the Diamond Princess where everyone was tested shows for that population, the case fatality rate for those infected was calculated to be 0.63%. Of course it's higher for the elderly and I don't know how old the average Diamond Princess passenger/crew were. So if the average age wer...
by 2cents2
Tue Mar 24, 2020 6:54 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Interesting. It seems that maybe this thing has been around before we started testing for it. Who would have thought? I don't know. I do know that we should be asking questions rather than just taking "expert" opinion at face value. https://www.ft.com/content/5ff6469a-6dd8-11ea-89df-41bea055720b He...
by 2cents2
Tue Mar 24, 2020 11:14 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Jebediah wrote:
Tue Mar 24, 2020 11:00 am
Has it been mentioned yet that Italy has inflected? Three days in a row of fewer daily cases. Two weeks from lockdown.

So we need two weeks of intense lockdown followed by very gradual easing. Will require patience, commitment, discipline.
If that holds up, that is awesome news.
by 2cents2
Tue Mar 24, 2020 10:07 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Coronavirus: Spanish army finds care home residents 'dead and abandoned'
https://www.bbc.com/news/world-europe-52014023

And, it looks like the World O Meter has a new column on the corona virus cases: total deaths/1M pop
by 2cents2
Sun Mar 22, 2020 11:47 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Can someone explain to me how heat makes the virus unstable? I don't understand why heat would make the virus more unstable. I do not believe it is well understood at all why respiratory viruses tend to do better in winter. May have little to do with the temperature. I tried to explain this two-thi...
by 2cents2
Sat Mar 14, 2020 1:49 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Has Italy reached a deflection point? https://www.worldometers.info/coronavirus/country/italy/ If so, maybe the public policy is starting to work? I don't see anything in those graphs that looks good except some for odd data for March 10th that I have to think is some error. Am I missing something?...
by 2cents2
Sat Mar 14, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 246
Views: 15132

Re: Coronavirus Flight Cancel Thread

1. I successfully cancelled my international itinerary. 2. United 3. Full refund 4. via phone--(I tried online, but reservation could not be cancelled on line). 5. United just updated their schedule on March 14th (reduction in flights). I was moved to a connecting flight that required me to be at my...
by 2cents2
Sat Mar 14, 2020 10:51 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Has Italy reached a deflection point?
https://www.worldometers.info/coronavir ... try/italy/

If so, maybe the public policy is starting to work?
by 2cents2
Sun Mar 08, 2020 5:19 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

If quarantining doesn't work, I'm not sure what will. Doesn't it stand to reason that if you do have symptoms, you are likely more contagious? At least you cough and sneeze more. Also, if testing is difficult, it will be delayed or never occur in milder cases, thus even more exposure. I saw this in...
by 2cents2
Sun Mar 08, 2020 4:14 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Any ideas why the death rate in Italy is so high compared to South Korea? As of right now the two countries show almost the exact same number of confirmed cases but Italy's death rate is is around 5% while Korea's is around 0.7%. Two countries of similar wealth, I'd assume similar quality of health...
by 2cents2
Fri Mar 06, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24173

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

I'm convinced the U.S. won't take it seriously until a celebrity catches it. Suddenly it will seem important. Not in the US, but to your point: https://www.channelnewsasia.com/news/world/iran-covid-19-virus-adviser-foreign-minister-dies-12510062 https://globalnews.ca/news/6638555/coronavirus-france...
by 2cents2
Fri Mar 06, 2020 8:09 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

https://nextstrain.org/ncov I understand your question now. The data comes from GISAID, the data repository originally set up for influenza genomic data sharing. Many of these changes are used for tracking. Coronaviruses have error-prone RNA-dependent RNA polymerases, making mutations and recombina...
by 2cents2
Thu Mar 05, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24173

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

On the flip side, if it is spreading silently, that means the vast majority of people who get it are not experiencing severe symptoms. The severe cases in Seattle were mostly from a nursing home- places where deaths from pneumonia causing pathogens are exceedingly common. On the other hand, you won...
by 2cents2
Thu Mar 05, 2020 7:17 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

It would be interesting if they could do the genome of every single SARS- coV-2 infection on board the ship and see the pattern of infection. You will have to explain this to me; what is “do the genome of every single . . .” I am a pathologist. Our specialty is about understanding disease evolution...
by 2cents2
Thu Mar 05, 2020 4:50 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Yes, but consider the issue that they mingled intimately before it became known someone was infected. Why don’t we see 100% infection? These are typical cruise line passengers, not younger. The quarantine didn’t decrease their infection rate, but artificially increased it. The bottom line is that t...
by 2cents2
Thu Mar 05, 2020 8:56 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Although we can all agree that the quarantine of the Diamond Princess was bungled, this ship's crew and passengers give us very good data on disease transmission and severity. This is a very good medical experiment. Of the 3700 people, 700 became infected. How is this data useful? Because we have a...
by 2cents2
Thu Mar 05, 2020 7:53 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Here is an interesting article from NPR "Why The Death Rate From Coronavirus Is Plunging In China":
https://www.npr.org/sections/goatsandso ... g-in-china
by 2cents2
Wed Mar 04, 2020 9:48 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Odd. One estimate is that it has been in the community undetected for 6 weeks. It is very interesting to see the same social media reaction evolving here on the BH forum that replicate and were preceded on Chinese social media platforms a month ago. Conspiracy theories,wild doomsday scenarios, thos...
by 2cents2
Wed Mar 04, 2020 8:51 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Odd. That doesn't fit with my lay understanding of CDC guidelines. I wonder where the holdup is. If it is just that the nursing home doesn't want to deal with it, that would be a problem but quite localized. If the health department is refusing to give permission then that could imply a more genera...
by 2cents2
Tue Mar 03, 2020 11:02 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Here is a quote from an article from NPR from yesterday "The CDC has now revised the criteria for testing to include people who are so sick that they need to be hospitalized but don't know how they might have been exposed. " https://www.npr.org/sections/health-shots/2020/03/02/811314938/coronavirus...
by 2cents2
Tue Mar 03, 2020 4:09 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

The biggest problem I see is that we don't have enough test kits to get ahead of this thing. Why aren't we testing more people? I agree with you 100%. Consider Washington state where there is an outbreak (death toll at this time is 9, with 27 confirmed cases). https://www.doh.wa.gov/emergencies/cor...
by 2cents2
Thu Feb 27, 2020 1:37 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25253

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

In fairness, people have largely been answering questions OP did not ask, and in fact that OP specifically stated OP was not asking. At least that's how it started. Admittedly, it's gotten muddy. :beer Exactly. :beer I get that this is a forum, and when you ask a question in a forum, you're going t...