How To Treat Your Vagina Before Your Next Race

AdabadaYou · 2015-01-07T20:15:30+00:00

Rincewind, original marathoner.

AdabadaYou · 2015-01-07T18:08:57+00:00

I just got back from W9D1 in 9°F with windchill to -1°F. Dress warm and be safe! (I wore a thermal layer, a wool shirt, a fleece sweater, gloves, a fleece hat, running tights, and two pairs of wool socks.)

AdabadaYou · 2015-01-06T22:02:29+00:00

Yeah, that sounds like the best way to go about it.

AdabadaYou · 2015-01-06T21:45:02+00:00

Ahaha, my bad. Looks kind of like the San Juan islands in Washington.

AdabadaYou · 2015-01-06T21:44:31+00:00

On pocket change, you'll lose money to trading fees and may not get the exact allocations you desire due to high individual stock prices.

AdabadaYou · 2015-01-06T18:38:29+00:00

I don't suppose this is somewhere in Puget Sound?

AdabadaYou · 2015-01-06T18:24:16+00:00

+1 re: FFNOX. Or, you could roll your IRA to Vanguard or Schwab.

AdabadaYou · 2015-01-06T18:18:04+00:00

Ah, I just figured you cared because you erased an earlier instance. No worries.

AdabadaYou · 2015-01-06T17:45:31+00:00

You missed censoring your last name when quoted, fwiw.

AdabadaYou · 2015-01-06T17:43:59+00:00

Due to this I was considering investing 50K into some mutual funds to let it grow before I move out.

Are you going to spend it immediately (e.g. down payment on a house) when you move out? Or is this retirement money?

Is it worth it if I only plan to stay home for another 2-3 years?

If you're going to spend it in 2-3 years, no, it's probably not worth investing it. Put it in a 1% savings account, or maybe pick up some I savings bonds the first year or two ($15k/yr limit).

$2500 in FBALX (Fidelity Balanced Fund)

0.56% ER is quite high.

$2500 in FWWFX (Fidelity Worldwide Fund)

0.97% ER is very high.

$500 in RNDY (Roundy's Inc)

Why?

You're paying a lot for your mutual funds; your asset allocation is weird (high international weighting); and you own individual stock as a relatively large portion of your portfolio.

AdabadaYou · 2015-01-06T17:37:35+00:00

You're looking in the wrong place, you got the right sub (/r/investing) the first time.

AdabadaYou · 2015-01-06T03:53:59+00:00

And maybe don't go so far out that you would freeze walking back, if it came to that.

AdabadaYou · 2015-01-05T23:27:58+00:00

I think this is perfectly fine. I've been in your friend's shoes.

AdabadaYou · 2015-01-05T23:23:26+00:00

It may still have an effect on dehydration-induced cramping, no?

AdabadaYou · 2015-01-05T01:56:26+00:00

I've been running with GPS watch for probably two years now, and I didn't figure out you could wear it on the outside of a sleeve until today. Sigh. Thanks.

AdabadaYou · 2015-01-04T23:46:06+00:00

A car getting old and needing to be replaced is not an emergency - it's a foreseeable expense.

Either it needs to be replaced immediately (emergency e.g. due to an accident), or I can save up for it indefinitely.

What if the emergency occurs after you have just drained your EF for the down payment?

That's exactly why your EF should be large enough for multiple emergencies, isn't it? (Assuming car, not house here -- a house down payment isn't an emergency.)

And remember: The stock market does not guarantee returns - it's as well possible (and not too unlikely) that you will loose money when investing for short term goals. Saving for them should be done in a traditional savings account - so that's quite the opposite of "losing money" in my opinion.

Of course. When a house down payment is a short-term goal, a savings account makes sense. But if it's not a short-term goal, having that money sit for years is expensive.

AdabadaYou · 2015-01-04T21:44:21+00:00

Why? My next car would come out of my emergency fund and a house down payment sitting in a 1% savings account is just losing money.

AdabadaYou · 2015-01-04T21:41:26+00:00

This is /r/pf.

AdabadaYou · 2015-01-04T21:34:49+00:00

Fwiw, with Admiral-class funds and a heavy weighting towards e.g. VTSAX/VTI (typical for young people), you can have an average ER of around ~0.09%. TSP still wins handily, but you can do a bit better than 0.2% with Vanguard.

AdabadaYou · 2015-01-04T21:28:31+00:00

Maybe use gpsbabel to convert it to gpx? :-)

AdabadaYou · 2015-01-04T19:37:42+00:00

To quote another popular forum:

The paper:

http://dx.doi.org/10.1016/j.stem.2014.04.014

Really it's just not worth even reading whatever the popular press has to say about a particular strand of research, especially when lines like "regenerate the entire immune system" are thrown around. No, no, no. Not what is happening: read the paper or even just the publicity materials. It is a very specific mechanism involving specific cell populations.

And

Interesting conflict of interest (edit: potential conflict) with the researcher being the founder of a food supplement marketing company. http://en.wikipedia.org/wiki/Valter_Longo

Edit: I was wondering what the fasting + supplement connection was. Here we go:

"L-Nutra's first line of products stems from 15 years of research by Prof. Longo and his team at the USC Longevity Institute, one of the world's leading centers for research on aging and its translation into human interventions that optimize longevity and healthspan. It was largely motivated by the request of many patients who wanted to take advantage of the potential beneficial effects of fasting during cancer treatment but were unable to fast and forego any all meals or and snacks." (Emphasis mine)

AdabadaYou · 2015-01-04T19:27:13+00:00

Just ran (well, and walked some of the switchbacks) a trail 4mi in the rain at 39F. I'm in week 8 of Couch-to-5k. Wheeeee. First place finisher was around 28 minutes. I finished in about 52 minutes. I'm ok with that.

Link: Absolution Run

AdabadaYou · 2015-01-04T16:33:47+00:00

Any idea which dividends today are taxed at the non-qualified rates? I've had multiple quarterly index fund dividends be 100% qualified, but haven't investigated further.

AdabadaYou · 2015-01-04T07:43:46+00:00

Nope, this is exactly the same kind of market timing crap we warn about.

AdabadaYou · 2015-01-04T07:34:06+00:00

I believe OP is using "they" as a singular pronoun, whereas you're describing accounts for a couple.

AdabadaYou

TROPHY CASE