Search found 747 matches

by Iridium
Fri Apr 16, 2021 12:44 am
Forum: Personal Consumer Issues
Topic: Does USPS allow mailing laptop internationally ?
Replies: 12
Views: 900

Re: Does USPS allow mailing laptop internationally ?

Per this page, small Li-ion batteries installed in equipment is allowed as long as it meets certain requirements: https://pe.usps.com/text/pub52/pub52c6_004.htm#ep260739

That being said, it is probably best to tell the clerk that you are shipping a laptop and confirm what needs to be done.
by Iridium
Mon Apr 05, 2021 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage recasting: Can it save money ?
Replies: 11
Views: 1138

Re: Mortgage recasting: Can it save money ?

Thanks all of you .. I understand from you that this is a temporary Relief and not a win long term ..I should continue to Pay my current payments nevertheless... Thanks for the guidance Sort-of. The principal payment is a long term win. The recast itself is just a way to enjoy part of that long ter...
by Iridium
Thu Mar 25, 2021 6:22 pm
Forum: Personal Consumer Issues
Topic: Digital persona - curating your online presence
Replies: 28
Views: 2077

Re: Digital persona - curating your online presence

I think it is more about creating content and linking everything together. When I have been part of interview panels, if they included a link to their Github on their resume, I will occasionally take a look to get more details about the type of projects they have worked on in the past. I have heard ...
by Iridium
Sun Mar 21, 2021 4:59 pm
Forum: Investing - Theory, News & General
Topic: Gaming Sector
Replies: 16
Views: 1388

Re: Gaming Sector

Just to spitball a contrary view: I think the big publicly traded game publishers are way off on the wrong track. 1) Live services/micro-transactions model: Sure, you can make a TON of money if it works. However, the business model pretty much depends on consumers spending most of their gaming time ...
by Iridium
Sat Mar 13, 2021 3:16 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36952

Re: Are we in a housing bubble?

This seems eerily reminiscent of 2008. People taking loans to the max, no equity in homes, no EF, etc. This market has one huge difference: the buyers are valuing the homes for their housing, not for their appreciation potential. Sellers aren't going to feel the need to dump their property and buye...
by Iridium
Wed Mar 10, 2021 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Should umbrella insurance amount be based on assets?
Replies: 51
Views: 3635

Re: Should umbrella insurance amount be based on assets?

Yes. As long as the defendant wasn't drunk driving or a very small number of other scenarios where civil liability isn't dischargeable in many states. Note also that if you earn more than median income, you'll likely have to go through Chapter 13, which means you contribute 5 years of disposable in...
by Iridium
Wed Mar 10, 2021 1:00 am
Forum: Investing - Theory, News & General
Topic: What would it take to cause a QQQ Collapse?
Replies: 85
Views: 8496

Re: What would it take to cause a QQQ Collapse?

Most of Microsoft and Amazon's market cap come from expectations of massive growth in their cloud business. I always thought this was odd because cloud is all about not worrying about the underlying hardware/infrastructure. AWS, Azure, Bob's House of Kubernetes Nodes, it doesn't matter. So, once th...
by Iridium
Wed Mar 10, 2021 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Should umbrella insurance amount be based on assets?
Replies: 51
Views: 3635

Re: Should umbrella insurance amount be based on assets?

Covering the lawyer has got to be the most overrated benefit of the umbrella. Well this is a contrarian position! I've considered it the most underrated benefit. :happy It certainly is! I am happy to hear counter-arguments. Technically no. If the plaintiff obtains a judgment for over $7 million, th...
by Iridium
Tue Mar 09, 2021 11:51 pm
Forum: Investing - Theory, News & General
Topic: What would it take to cause a QQQ Collapse?
Replies: 85
Views: 8496

Re: What would it take to cause a QQQ Collapse?

Most of Microsoft and Amazon's market cap come from expectations of massive growth in their cloud business. I always thought this was odd because cloud is all about not worrying about the underlying hardware/infrastructure. AWS, Azure, Bob's House of Kubernetes Nodes, it doesn't matter. So, once the...
by Iridium
Tue Mar 09, 2021 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should umbrella insurance amount be based on assets?
Replies: 51
Views: 3635

Re: Should umbrella insurance amount be based on assets?

The main argument in favor seems to be: Litigators tend to cap suits at the amount of your non-judgement-proof assets, recognizing they can't get blood from a stone. The main argument against seems to be: Litigators will cap suits at the amount of your non-judgement-proof assets PLUS your coverage....
by Iridium
Mon Mar 01, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurer witholding claim payment till work invoiced?
Replies: 2
Views: 336

Re: Homeowners Insurer witholding claim payment till work invoiced?

I can't speak to what is going on with the iterative process, but the final requirement for receipts for the last tranche of money makes sense. Losses have two different values associated with them: Actual Cash Value (ACV) and replacement cost. The difference is depreciation. A 30 year olds roof is ...
by Iridium
Mon Feb 22, 2021 12:12 am
Forum: Personal Finance (Not Investing)
Topic: too much in 401k may be forced to quit job
Replies: 183
Views: 16830

Re: too much in 401k may be forced to quit job

someone in administration at my place of employment spilled the beans about my 401k balance, newly appointed president of company angrily informed me, that my balance was highest in plan, way higher than all other participants. This situation is creating a lot of conflict with fellow employees, eve...
by Iridium
Thu Feb 11, 2021 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy points on purchase mortgage (2.5% vs. 1.875% fixed rate on 30 year)
Replies: 23
Views: 2675

Re: To buy or not to buy points on purchase mortgage (2.5% vs. 1.875% fixed rate on 30 year)

Math is pretty simple: About $6100 for 1.875% and $6600 2.5% or $500 difference 84 month payback (41,750/500) or about 7 years. If you are staying in it for 10 years, then you'll come out ahead It is actually better than that, because it looks like you are comparing the payment. However, a higher i...
by Iridium
Tue Feb 09, 2021 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Sent to Collections by Sprint but the Debt isn't Mine
Replies: 33
Views: 3840

Re: Sent to Collections by Sprint but the Debt isn't Mine

The system really is messed up. The "evidence" in this case is the original Sprint contract, and not a single thing on it matches my personal info. Despite that my credit has been wrecked and now it's up to me to prove otherwise. Somehow Experian decided that everything looked valid. Tomo...
by Iridium
Mon Feb 08, 2021 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Give electric wheelchair to veteran---liability
Replies: 39
Views: 3115

Re: Give electric wheelchair to veteran---liability

Some years ago, because my blood sugars were under good control, I no longer needed to inject insulin. Insulin is very expensive, and there were news reports at the time about people skipping doses because of the expense. I asked my doctor how to donate my substantial remaining doses. She told me n...
by Iridium
Mon Feb 01, 2021 12:28 am
Forum: Investing - Theory, News & General
Topic: Is AMD getting involved in the GME war?
Replies: 17
Views: 1662

Re: Is AMD getting involved in the GME war?

Why is this happening (see links below)? https://hothardware.com/news/amd-robinhood-gamestop-gme-shorts-wallstreetbets https://newofgames.com/2021/01/31/amd-seemingly-caught-in-wallstreetbets-drama-as-shady-robinhood-dares-to-restrict-buying-and-selling/ I am a little fuzzy on the details, but the ...
by Iridium
Fri Jan 29, 2021 1:29 pm
Forum: Investing - Theory, News & General
Topic: What happens if my shares are "loaned" to an entity that goes bankrupt?
Replies: 12
Views: 1166

Re: What happens if my shares are "loaned" to an entity that goes bankrupt?

Generally, when shares are lent, the borrower has to put up cash collateral worth 100-102% of the borrowed shares (updated nightly). Your shares are never considered to be collateral. If the borrower goes belly up, worst case is that you would lose 1 day's worth of gains. At least that is how it wor...
by Iridium
Sat Dec 26, 2020 6:45 pm
Forum: Personal Investments
Topic: Stop / Limit / Stop Limit
Replies: 10
Views: 733

Re: Stop / Limit / Stop Limit

What you are looking for is a stop limit order. Use a stop price of $30 and a limit price of $20. Note that in a flash crash situation, what would happen is that the transaction below $30 would trigger the limit order of $20. If the crash happened to go below $20, your order would sit on the order b...
by Iridium
Mon Dec 21, 2020 7:47 pm
Forum: Personal Investments
Topic: Go from 12% to 22% federal income tax rate to pay off mortgage?
Replies: 23
Views: 1813

Re: Go from 12% to 22% federal income tax rate to pay off mortgage?

A few things to keep in mind: 1. Current law is that the tax structure will revert in 2025 to what it was a couple of years ago. The odds of congress extending the current tax rates when they are about to expire is a banned topic on this forum. Hypothetically, forum rules tell us we are supposed to ...
by Iridium
Thu Dec 17, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Home Office Deduction
Replies: 4
Views: 600

Re: Home Office Deduction

TLDR: Would we be missing something major by not claiming home office deduction? No. First of all, unless you are paid via 1099 instead of a W2, then the home office deduction essentially doesn't apply to you. Even in you were a 1099 contractor, the rules on a home office are so strict that you pre...
by Iridium
Fri Dec 11, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Standing desk ....
Replies: 34
Views: 2154

Re: Standing desk ....

Uplift with the extra horizontal brace and C-shaped legs (unless I was on a tight budget). I believe that is Uplift Commercial version. That is the one I have. One additional benefit of that horizontal bar that I found after I bought is I can use it as leg rest from time to time while sitting. I ju...
by Iridium
Tue Dec 01, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: USPS Lost Paper Bank Statement - Should I Worry?
Replies: 21
Views: 1670

Re: USPS Lost Paper Bank Statement - Should I Worry?

I don't see much reason to worry about it. Just knowing that the statement hasn't been delivered doesn't mean a criminal has it. If it was misdelivered, 99% of people will either put it back into their mailbox or toss it. If it just got lost behind the machinery at USPS, then it obviously isn't in a...
by Iridium
Tue Dec 01, 2020 4:21 am
Forum: Investing - Theory, News & General
Topic: Tesla leaving Extended for S&P500.
Replies: 37
Views: 4141

Re: Tesla leaving Extended for S&P500.

How can the extended market index (VEXAX in Vanguard’s case) not drop once Tesla leaves? Tesla is almost 5% of the fund and that will go to zero when it moves to the S&P500. VEXAX sells for $116.92 per share now based in part on the fact it has a lot of Tesla. Soon, it will have none. Because t...
by Iridium
Tue Nov 24, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Received Debit Card from Credit Union We Don't Use
Replies: 48
Views: 3119

Re: Received Debit Card from Credit Union We Don't Use

Kinda makes you wonder if you want to continue to do business with a firm that is so small and under-resourced.... If it were me, I would take my business elsewhere. What if a “real” fraud happened? OP never chose to do business with that credit union, and odds are very high that this is real fraud...
by Iridium
Fri Nov 13, 2020 5:21 pm
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 38
Views: 3451

Re: How often do you check up on your investments?

1) How often do you all look up the values of the indices that your investments track? Several times a year. Sometimes I get in runs where I check more than once a week. Other times I don't check at all. Right now, I think it has been about 2 months since I have checked. 2) (For those that successf...
by Iridium
Fri Nov 13, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Walmart delivery within a couple of hours?
Replies: 7
Views: 1002

Re: Walmart delivery within a couple of hours?

That is a bit odd. Walmart has an online grocery side that is separate from their online store side (which they are slowly merging together because the seperation makes no sense). The way their grocery side works is pretty close to how you describe, with employees grabbing items off the shelf and th...
by Iridium
Sat Nov 07, 2020 12:46 am
Forum: Personal Investments
Topic: Depressed About Money
Replies: 31
Views: 3116

Re: Depressed About Money

How do we feel less depressed? Should we just get new friends that are less successful? I think you first need to figure out what is causing the depression. You acknowledge that you have everything you need, and if your heart yearned for a newer car, you could have one easily and not have it change...
by Iridium
Wed Nov 04, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Feature update to Windows 10, version 2004 downloaded!
Replies: 17
Views: 1677

Re: Feature update to Windows 10, version 2004 downloaded!

Currently on 1909, with no action on my part the feature update to 2004 downloaded yesterday and is pushing for installation. I thought this was optional (user controlled) until 1909 goes off support next May? Updates aren't optional up until end of life, unless you have an enterprise type environm...
by Iridium
Mon Nov 02, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: Stacker ETF's: 3x upside/1x downside via options
Replies: 41
Views: 2832

Re: Stacker ETF's: 3x upside/1x downside via options

However, suppose 2.5 months into Year 2 you see that SPY+QQQ+IWM is up against the 20% cap, can you not just sell it then? I mean, it's an ETF and the underlying holdings are just options of major indexes. Many of you are smarter than me, please explain what I'm missing. Closing the sold options wi...
by Iridium
Sun Nov 01, 2020 9:41 pm
Forum: Investing - Theory, News & General
Topic: Stacker ETF's: 3x upside/1x downside via options
Replies: 41
Views: 2832

Re: Stacker ETF's: 3x upside/1x downside via options

Wouldn’t you take a potentially painful hit by not fully participating in the recovery after a market drop? Sure you’ll only lose the same x% as the underlying falls by, but let’s say it leaps back up again the next day as they so often do - you will be capped out of that. You may still come out ah...
by Iridium
Sat Oct 31, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: New opportunity in Austin vs current employer in california
Replies: 36
Views: 2878

Re: New opportunity in Austin vs current employer in california

If the NorCal non-HCOL urban place you are living in now is Sacramento then I really don't think Austin weather is anything you won't be able to handle. When people talk about the great weather in California, they typically mean the coasts. Central Valley gets hot as heck and Death Valley is frequen...
by Iridium
Fri Oct 23, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum
Replies: 107
Views: 9570

Re: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum

Management enthusiasm to rebrand has always baffled me. The most iconic brands come from decades of building awareness, but so many companies start over every 20 years or so. The rumored reasoning of trying to distance themselves from Mr. Bogle is even more bizarre than the typical reasoning. While ...
by Iridium
Mon Oct 05, 2020 11:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 59
Views: 8437

Re: Fidelity Zero funds vs Vanguard performance

Folks need to keep in mind the scale of the loss we are talking about with this loss leader. The fund has $6B under management. If it charged 1.5 basis points, like its sister fund, Fidelity would collect all of $900K. It is difficult to overstate what an insignificant amount of money this is to Fi...
by Iridium
Mon Oct 05, 2020 2:12 am
Forum: Investing - Theory, News & General
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 59
Views: 8437

Re: Fidelity Zero funds vs Vanguard performance

Folks need to keep in mind the scale of the loss we are talking about with this loss leader. The fund has $6B under management. If it charged 1.5 basis points, like its sister fund, Fidelity would collect all of $900K. It is difficult to overstate what an insignificant amount of money this is to Fid...
by Iridium
Wed Sep 30, 2020 12:14 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20861

Re: Long Suffering VXUS Holder No More

Is there an easy way to tell how much of the US's outperformance is due to it being overweight in 'tech' (never loved the term, as it seems to imply that all of the technology in factories, consumer goods, pharma, and essentially every other non-software industry is not real technology)? My intuitio...
by Iridium
Mon Sep 28, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 66
Views: 5682

Re: What do Bogleheads think of what happen to Japan?

What do I think of Japan? While they certainly have had problems, it is somewhat exaggerated. Their valuations ran up a crazy amount in a very short time. You were totally screwed on the money you invested at the top. However, money invested a year or two before the top got into the black a reasonab...
by Iridium
Thu Sep 17, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Kids back to On Campus School - Would you ?
Replies: 46
Views: 2084

Re: Kids back to On Campus School - Would you ?

CDC says infection rate in kids is very low Don't think the reporting is that the infection rate is that low (it is lower, but not astoundingly lower). Rather, the rate of bad outcomes is extraordinarily low. To put a reference on it, consider the following: thus far, California has had 3 pediatric...
by Iridium
Wed Sep 16, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1383

Re: codakids for coding lessons

FIRST Robotics completions/clubs/groups are pretty common in our area, though they are more geared to teenagers. https://www.firstinspires.org/robotics/frc I had peers that did that and greatly enjoyed it and learned a lot, I think one even got a scholarship from it. FIRST Robotics runs Lego League...
by Iridium
Tue Sep 15, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1383

Re: codakids for coding lessons

Does the now ubiquitous use of the terms "coding/code/coder" instead of the proper terms, "programming/program/programmer" irritate other old CS types as much as it does me? Both coder and programmer are equally offensive to software engineers. Almost as bad as referring to them...
by Iridium
Sun Sep 13, 2020 11:42 pm
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2754

Re: Books or Courses on leadership that helped your career

Toastmasters, and seeking out public speaking opportunities. I have never attended Toastmasters but have heard it recommended by many before. I may have to look up my local chapter! There are likely to be several in your area. It is best to visit 2 or 3 different ones before settling on one to join...
by Iridium
Sun Sep 13, 2020 10:50 pm
Forum: Investing - Theory, News & General
Topic: [Covered Call Option]
Replies: 26
Views: 2040

Re: COVERED CALL OPTION

Hi! Have never done options before, and am trying to execute a covered call option. I'm in need of assistance... Say I have 100 shares of apple and am going to do a covered call option. I say set the strike price for 130.00, my limit price for 128.00 and the duration for the week. Will there be pot...
by Iridium
Sun Sep 13, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2754

Re: Books or Courses on leadership that helped your career

Toastmasters, and seeking out public speaking opportunities. I have never attended Toastmasters but have heard it recommended by many before. I may have to look up my local chapter! There are likely to be several in your area. It is best to visit 2 or 3 different ones before settling on one to join...
by Iridium
Sun Sep 13, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 236
Views: 26034

Re: For those concerned about International Stocks...

I believe in the American way, the American worker, the American technology, the American system and on and on. I believe in all those things as well. However, the US market cap is increasingly getting unbalanced into either what I call the 'apps & sites' industry or is a technology platform pl...
by Iridium
Sun Aug 16, 2020 11:49 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 5058

Re: USPS shipping: Caveat Emptor

The clerks would then try to upsell you by saying “we have the right to open your package and inspect for Media Mail, or I can upgrade and not have the packaged opened. Can you explain further? What upgrade allows this? When you send something by media mail, you are implicitly claiming that what yo...
by Iridium
Tue Jul 28, 2020 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Is it free to change limit order to market order??
Replies: 4
Views: 869

Re: Is it free to change limit order to market order??

You only ever pay for executed orders. As you can cancel your limit order at any time and no commission would be due, you can certainly change an order without a fee (though I forget if there is actually an option to do this directly or if you have to cancel the limit order and then put in a market ...
by Iridium
Mon Jul 27, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra high deductible auto/home/umbrella insurance?
Replies: 34
Views: 2143

Re: Ultra high deductible auto/home/umbrella insurance?

Drop the collision and comprehensive coverage on the auto. Liability doesn't have a deductible associated with it, which honestly is probably a good thing as 1) you don't want folks driving with a deductible they can't afford (might as well be uninsured at that point) and 2) it can be a nightmare if...
by Iridium
Fri Jul 17, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: What about northeast corner of GA? (sorry about long post)
Replies: 75
Views: 8660

Re: What about northeast corner of GA? (sorry about long post)

If you are a golfer, then Reynolds Lake Oconee might be worth a look. More center of state than Northeast, but that means it is only 90 minutes from ATL airport. Plenty of shoreline so lakeside places are reasonably affordable for someone coming from NJ. Several marinas in case you prefer to rent a ...
by Iridium
Mon Jun 29, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: magicJack question - What happens if you don't pay the 911 fee?
Replies: 21
Views: 3733

Re: magicJack question - What happens if you don't pay the 911 fee?

For some reason this thread reminds me of a situation that happened in Kentucky or maybe Tennessee a while ago. A guy didn't want to pay the tax or fee for the fire department. Then one day his property caught on fire. The fire department did show up but they were only there to prevent any damage t...
by Iridium
Fri Jun 26, 2020 2:52 am
Forum: Personal Investments
Topic: GERM ETF
Replies: 9
Views: 1094

Re: GERM ETF

Does anyone have any thoughts on the GERM ETF ( etf managers etflmg treatments testing advancement etf) from my understanding it is relatively new. I bought a bunch of shares the other day in my brokerage account, seemed like a good/new things. Any thoughts on this? It seems to be an odd bet to mak...
by Iridium
Thu Jun 25, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Effect of open-source software on SWE careers and start-up companies.
Replies: 34
Views: 2251

Re: Effect of open-source software on SWE careers and start-up companies.

Your questions are too abstract. Also, open source software doesn’t generally lack IP or even patents. What are you concretely interested in? By "open source" I meant that computer software is not covered by any patent or IP (copyright?). I'm not an IP expert though on this matter though ...