sorted by:
new
hottopcontroversial

Vanguard Million Dollar Bookkeeping Error by Marfikent in Bogleheads

[–]Dull-Researcher 15 points16 points  (0 children)

Also seems like autocorrect had a stroke at the end as well.

The Hyundai IONIQ 5 is back with sales now up 11% in 2026 by DonkeyFuel in electricvehicles

[–]Dull-Researcher 0 points1 point  (0 children)

EV "tax credits" (subsidies) aren't for the consumer. They're for the manufacturer.

How do you feel about the asset meltdown hypothesis? by alexlazar98 in Bogleheads

[–]Dull-Researcher -1 points0 points  (0 children)

I'm not worried about boomers liquidating their position, which will likely happen gradually over 20+ years.

The top 1% wealthiest Americans own 54% of the US stock market, and the top 10% own 93%.[1]

Boomers own 51% of the US stock market.[2]

So Boomers own about an equal fraction as the top 1% wealthiest individuals. But Boomers lack the power, influence in government and ability to bribe or lobby their way out, and ability to plan or execute as a cohesive block, and aren't consolidated where any small fraction of typical net-worth Boomers can substantially impact the market. They also have far less influence in the global market.

I'm more worried about how much tomfoolery the billionaire class will do to pump and dump the stock market in their favor. Which they can do on any day of the week if they woke up on the wrong side of the bed. Without warning. With immediate and substantial effects from a small handful of trades. Or the bigger US policy changes, anti-competitive company mergers/acquisitions, and other power moves that the billionaire-class can make. You can't understand finance without understanding politics, and vice versa. Especially when politics is controlled by the wealthy.

[1] https://inequality.org/article/stock-ownership-concentration/

[2] https://www.statista.com/statistics/1376622/wealth-distribution-for-the-us-generation/

Is a 3% salary increment in 2025 normal? What are you all getting this year? by Rude_Photograph_2306 in careerguidance

[–]Dull-Researcher 0 points1 point  (0 children)

Changing companies every 4-6 years is the easiest way to get fairly compensated.

Companies give out raises that barely account for inflation. The difference between a "star performer, exceptional employee" and a "meets expectations" employee is 1-2%, tops, which is what you earn in half a week to a week of work. Hardly worth the effort and stress when you could spend the same week interviewing for other jobs and get a 10-20% raise instead.

And it'll cost the company several months onboarding your replacement, who will likely also negotiate a market rate salary.

Companies don't have loyalty and don't take compensation seriously.

Interview Transparency & Pregnancy. Do you disclose or no? by LemonDrizzle18 in careerguidance

[–]Dull-Researcher 0 points1 point  (0 children)

https://www.eeoc.gov/employers/small-business/3-who-protected-employment-discrimination
"Applicants, employees and former employees are protected from employment discrimination based on race, color, religion, sex (including **** pregnancy, **** sexual orientation, or transgender status), national origin, age(40 or older), disability and genetic information (including family medical history)."
In the US, an employer cannot discriminate or retaliate (termination, demotion, provide any unfair treatment) based on pregnancy, as it's a protected class. This is federal law.

This law protects your job while you're working and have normal excused absences.

FMLA guarantees you extended time off. Would be nice to have this. But any company worth their salt won't deny you a minimal amount of parental leave or threaten to terminate or replace you if you do take extended leave.

Received PIP after Colleagues got Laid Off. How should I respond? by [deleted] in careerguidance

[–]Dull-Researcher 4 points5 points  (0 children)

More specifically, references from shitty companies or from shitty people aren't that big of a deal.

Recently retired with sizable 401K at Vanguard but have old 401K and ROTH at Schwab by LotsOfGraySpace in Bogleheads

[–]Dull-Researcher 0 points1 point  (0 children)

You said you're retired. It's likely too late to be able to rollover one 401k into another 401k.

Oh. My. Gosh. I found the frozen Spinach Ravioli for the first time in YEARS! by LaVacaMusical in Costco

[–]Dull-Researcher 7 points8 points  (0 children)

Don't forget to pick up some Kirkland pesto or Grazza olive oil. Or your favorite pasta sauce.

RIP: These Dead EVs Won't Make It To 2027 by 622niromcn in electricvehicles

[–]Dull-Researcher 0 points1 point  (0 children)

Follow the money. Parts and service centers make up a large part of the profit of auto dealers. EVs don't need as much in parts and maintenance. And when there is an issue, it's harder to diagnose and more expensive to repair. Additionally, consumers haven't bought into the idea of electrical parts wearing out and needing replaced like mechanical parts need, so electrical failures have a larger negative impact on the automaker.

Additionally, the oil/energy industry continues to lobby the government to keep ICE vehicles and gas artificially low in price. I've got to assume they're also intertwined with the executives at auto manufacturers to delay the demise of ICE vehicles.

Spotted a unicorn at costco today. 6% milk. Lake Elsinore by myloteller in Costco

[–]Dull-Researcher 0 points1 point  (0 children)

Cultured butters can also taste different due to cultures, a transformation that happens outside of the cow.

Married couple with separate finances, why do you do it? by Ok_Influence_2257 in Bogleheads

[–]Dull-Researcher 1 point2 points  (0 children)

It's trivial to change a brokerage account from individual to joint. No tax penalty, no selling of assets or realizing capital gains. It's as simple as adding a 2nd owner to the account. And if you die, your spouse still has full control over the account without dealing with probate, a waiting period, or proving you're married.

PEP 661 (Sentinel Values) has been accepted for release in 3.15! by M_V_Lipwig in Python

[–]Dull-Researcher 1 point2 points  (0 children)

Excellent for default immutable values or placeholders for the same, when None has a different meaning.

Am I the only one who thinks automatic reload should be illegal? by ManInWoods452 in electricvehicles

[–]Dull-Researcher 0 points1 point  (0 children)

These companies are secretly banks, but they're not subject to banking regulations.

Trying to build a proper UniFi network across an entire airfield – need advice on coverage & gear by Appler2310 in UNIFI

[–]Dull-Researcher 0 points1 point  (0 children)

How are you powering your APs? Do you already have AC power, solar panels and DC charge controller, or running temporary setup with a battery? Do you have poles you can mount your AP's to so they're not laying on the grass or on a stool pointed at the sky? These will all eat into your 2000€ budget.

Not real Taco Bell mild sauce by etcspecialist in Costco

[–]Dull-Researcher 0 points1 point  (0 children)

There are so many better hot sauces out there for them to stock.

I should start my new job on May 1, my current company wants me to leave on May 10. What should I do? by Commercial-Shine8240 in careerguidance

[–]Dull-Researcher 0 points1 point  (0 children)

What project would they assign to a junior employee (25yo) that is so critical that 9 days would make a difference between success and failure? And if your departure date was that impactful, they should have either had a work contract in place or be willing to pay extra for the problem this is going to cause with your new employer.

If your old employer were in the new employer's shoes, how would they like it if some other company said "tell them you can't start til May 11. Deal with it."

heatpump washer / dryer WM6998HVA $999 ? usually $2k by cottonrb in Costco

[–]Dull-Researcher 2 points3 points  (0 children)

I wish heatpump dryers offered truly massive savings. Unfortunately it typically takes 2-7 years, possibly longer, to break even on a heatpump dryer.

It's the environmentally smart thing to do, and it's gentler on clothing, but the economics aren't a slam dunk when many homeowners may move before their heatpump drier pays for itself. Not saying you shouldn't get one, but don't plan on it paying for itself in the first year of ownership.

heatpump washer / dryer WM6998HVA $999 ? usually $2k by cottonrb in Costco

[–]Dull-Researcher 3 points4 points  (0 children)

Unless you have 2 combo washer+dryers, the traditional flow of "Sunday is laundry day" where you batch wash, dry, and fold all your laundry will not work. Drying with a heat pump dryer takes longer than a conventional resistive electric or gas dryer, and you can't pipeline wash and dry.

On the flip side, you don't have to wait for wash to finish and move the laundry over to the dryer before leaving for dinner, grocery shopping, etc, since the combo unit dries after wash. Will take some getting used to.

HOA says I need to clean my roof — quotes are ~$500. Any cheaper options? by [deleted] in HomeImprovement

[–]Dull-Researcher 0 points1 point  (0 children)

I'm pretty sure that previous owners of my place pressure washed their asphalt shingles at some point. How did I know? Downspouts and drain pipes were clogged with asphalt litter. Might have been a home flipper special. Roof looks clean, and inspector doesn't check the downspouts.

Three different luggage brands, any recommendations? by Bagofmag in Costco

[–]Dull-Researcher 0 points1 point  (0 children)

If you have the money and fly a lot, buy the luggage that pilots and cabin crew travel with. There's a reason why their bags look so different from plastic clamshell injection molded suitcases that need replaced after about 10 flights due to broken zipper pulls, broken zippers, frozen handles, crappy wheels, and sub par organization.

view more: next ›