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Also can buy in a Fidelity Roth.

Thank you for taking the time to do that [emoji106] [emoji482] I’ll have to buy a laptop to check as that toggle option doesn’t show on my phone. 30 years in IT and I don’t have a computer since I retired last year [emoji4] Maybe it’s time [emoji3] Here’s a pic of the ship we are currently...

Thanks. I use the Airbnb app. I went back and searched for that filter. Couldn’t find it. I did read in the terms etc that the option to filter on cancellation policy is supposed to be available once the listing of properties is shown. There are plenty of filters but I can’t see the...

I recently booked a villa in Greece for May next year for my extended family. I used VRBO to book as I could choose those properties offering 100% refund up to 14 days before the reservation. AirBNB properties had no refund after the day you booked it as far as I could tell. No way would I...

The Photographers' Corner - 2021 A little embarrassed to be posting this in among real photographers but it’s one of my best [emoji15]. Using my iPhone 13 pro. From bottom left: Venus, moon, Saturn, Jupiter, old San Juan wall, Puerto Rico. Taken yesterday. Looks great on my phone but...

Yes, all booked with Celebrity. We got significant onboard credit from Celebrity for booking on the ship. Something like 5% as obc. The booking immediately transferred to a travel agent we used for the current cruise. We got another 8% as refundable obc from her. Also, got $100 off each...

Currently on back to back Caribbean cruises with my wife. All passengers and crew are fully vaccinated as well as all passengers taking Covid tests prior to embarkation. We feel very safe and have been on several excursions. Typically, excursions are masked on mass transportation and then...

Haha. I thought I heard a large number of GPUs @ ~$3k each…like over 140 of them [emoji33] Can’t imagine loaning my 14 year that much [emoji15] GPUs are difficult to get hold of in any numbers too, especially at MSRP. So, if I use the top end GPU that is 122 Nvidia 3090 GPUs @ ~$3500 MSRP...

“Home” miners don’t mine directly and try to mine a BTC. Rather they invariably join a mining pool and contribute the hash power that they have from their machine(s). The whole pool then shares the BTC rewards among the pool participants depending upon the percentage of the total hash power...

Looks to me like if Ohio State can overcome a brutal schedule of Penn State (#7), Michigan (#8), Michigan State (#10), and then Iowa (#2) in B1G championship game, both OSU and Iowa should make it. I think Iowa will win the rest of their division games from here. OSU are improving game to...

Interesting article in The Guardian about how people are valuing their time over their jobs. Brings up several points discussed on ER.org such as Time > Money, companies overworking people, no pay for excess hours, etc. These folks are willing to keep working at reduced hours and pay for...

The Voyage of the Beagle By: Charles Darwin Darwin’s journal of his 5 year voyage of discovery around the world. I did enjoy this book, with plenty of detailed descriptions of his encounters with the indigenous peoples and the local flora and fauna. One thing that detracted from the...

In BTD style, we have a 30” slide in Viking Professional induction with convection oven. Had it 8 years and it’s easily the best appliance we’ve ever had. Cost quite a bit ~$5k [emoji15] but thankfully we use it every day. When cooking pasta I put kitchen roll under the pan to catch any...

Thanks Alan DW and I just cancelled this trip today [emoji20]. We felt the travel risk was too high for us. We will monitor the Covid situation for the next few months and if we see a drop in infections we will try to go to UK. Regarding flight cancellation and refund process I was able...

What have you read recently? 2021 The Invention of Nature by Andrea Wulf Alexander von Humboldt’s New World I absolutely loved this book! It’s basically a biography of Humboldt the explorer and scientist and his travels and influences. He was a global superstar of his time and throughout...

Four Fifths a Grizzly by Douglas Chadwick. Nonfiction. It’s about the connections humans have to nature (how much DNA we share). Maybe it was me and I wasn’t really getting into the book, but it seemed like a lot of lists to me. A bit boring until the last couple of chapters. Meh.

We are (currently) heading to UK for 6 weeks in early September. Haven’t seen my dad since august 2019 (he flew to USA - which is a stressful tale) and he’s now in a memory care home. I’m very concerned about the flight and then at some point seeing my dad and potentially passing Covid to him...

Nieces husband in UK was fully Pfizer vaccinated a couple months ago. Three weeks ago he caught COVID-19 likely from his workmate. Passed it to his 3 year old daughter and unvaccinated pregnant wife. He had relatively mild symptoms - fever, tired etc. 3 year old had same symptoms...

How to Avoid a Climate Disaster: The solutions we have and the breakthroughs we need. by Bill Gates. I really like the way Gates thinks about getting to solutions. The book examines what we have and what’s needed in order to negate the greenhouse gas issues. Should be mandatory reading...

Well it’s some futuristic stuff so “good science” might be a stretch [emoji3]

Layered Money: by Nik Bhatia. Finished this today. Very short read but gives a good explanation of the different layers of money. Stuff I hadn’t really thought about or known. I’m certain many on this board will know the first half of the content - origin of money layers, collapses etc...

What have you read recently? 2021 The Future of Humanity: by Michio Kaku Finished this a few days ago. It’s about terraforming Mars, interstellar travel, immortality and our destiny beyond earth. Surprisingly readable and interesting topics. I liked it a lot.

What have you read recently? 2021 2030: How Today’s Biggest Trends will Collide and Reshape the Future of Everything. By Mauro F Guillen Just finished this book. I enjoyed it a lot. It is basically the authors’ thoughts on various trends such as population shifts, climate change...

I think you are correct Zinger, that it wasn’t a penalty. I received too much subsidy when my final 2020 income was calculated and I had to repay some of that subsidy. COVID relief eliminated that repayment I think. I’d already submitted my tax return which included me making that...

I just received a refund of the ACA penalty levied for too high earnings on 2020 tax return. I read something about “take no action…IRS will take care of it”. They did. Hopefully, others have either had, or will have, their penalty refunded imminently. I do enjoy sitting on my deck...