thegraywolff

A brief gallivant about the marketplace of ideas.

Category: Reference

Read : 2019-07-11

Today’s selection of articles:

  1. This lidar is so cheap it could make self-driving a reality“, by Alex Davies (Wired, 2019-07-11). The company Luminar claims its Iris lidar unit — soda-can sized, 2 pounds, 15 watts, 250-meter range — can be produced for “as little as $500”.
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Reference : Retirement & Your 401(k)

Selected articles about what to do with your 401(k) plan(s) when you retire.

NOTE : I am not a financial planner, nor is this financial advice.

My take-aways (subject to my (mis)understanding):

  • In some cases, your employer may be willing to continue to manage your 401(k) for you [A.1].
  • If you move your money from your 401(k), moving it to an individual retirement account (IRA) or cousin Roth IRA — or some combination of the two — seems standard [A.1,2,3]. This “roll-over” should not require a fee — in fact, some brokers may actually pay you [B.5].
  • IRAs generally have more options (e.g., investment vehicles) and flexibility (e.g., payout options) than 401(k)s [A.1,2,3].
  • Roth IRAs are not subject to required minimum distributions (RMDs) [A.3].
  • Do NOT withdraw the money from your 401(k) [A.3]!
  • “60-day rollover” rule : Basically, lets you avoid taxes and penalties if you withdraw funds from a retirement account, provided that you redeposit the funds into another qualifying (retirement?) account within 60 days [B.2].

A. Most-helpful articles:

  1. What to do with your 401(k) when you retire“, by Andrea Coombes (Nerd Wallet, 2018-08-02).
  2. What to do with your 401(k) when you retire“, by Rodney Brooks (U.S. News & World Report, 2019-03-15).
  3. What to do with your 401(k) when you retire“, by Wendy Connick (Motley Fool, 2017-10-27).

B. Other articles:

  1. How to decide what to do with your 401(k) after you change jobs“, by Melissa Phipps (The Balance, 2019-05-01).
  2. What is a 60-day rollover?“, by Matthew Frankel, CFP (Motley Fool, 2017-04-13).
  3. What to do with your 401(k) money when you retire“, by Rodney Brooks (Forbes, 2018-05-27).
  4. How a 401(k) works after retirement“, by Claire Boyte-White (Investopedia, 2019-05-05).
  5. Rolling over a 401(k)? Consider the fees“, by Tim Parker (Investopedia, 2019-05-31).

Reference : Financial advisors

Articles (and podcasts) on financial advisors:

  1. Six mistakes people make when hiring a financial advisor“, by Eve Kaplan (Forbes, 2018-01-29). Key points : Good financial planners…Ask questions about your unique situation. Take a holistic approach. Give you references to contact. Clearly detail how they are paid. Are fiduciaries (BUT see the Stay Wealthy article and podcast below). Are honest about the uncertainty of portfolio return.
  2. 7 of the biggest mistakes people make choosing a financial advisor“, by Matt Wiley (Business Insider, 2019-03-28). Ask each potential advisor for references, and contact them! (Also, be aware that your advisor probably gave you names of people who will speak highly of her or him, so gird yourself and dig deep into respondents and their answers!) Understand how they are paid, as this helps identify possible conflicts of interest.
  3. 10 biggest mistakes to avoid when hiring a financial advisor” (Stay Wealthy Podcast, 2019-02-14). Fiduciaries are not necessarily fiduciaries all the time; ask potential advisors to sign a fiduciary oath. Good financial advisors ask lots of questions and focus on “comprehensive planning”, not just investments. There is no such thing as guaranteed return.

Reference : Southwest credit card

Articles related to the Chase-Southwest credit card:

The cards

  1. Should I upgrade to the new Southwest Priority credit card?“, by Brendan Dorsey (The Points Guy, 2018-08-16).
  2. Should I cancel my Southwest credit card? [2019]“, by Daniel (Upon Arriving, 2018-11-02).
  3. Keep, cancel, or convert? Chase Southwest Airlines Plus credit card ($69 annual fee)“, by Grant (Travel with Grant, 2018-12-19).

How to apply and redeem points

  1. Transferring Ultimate Rewards points to Southwest“, by Nick Ewen (The Points Guy, 2015-10-26).

Closing the credit card

  1. How to cancel a credit card“, by Fred O. Williams (CreditCards.com, 2019-01-18).
  2. How to cancel a Chase credit card without calling” (Finder, 2019-05-24).
  3. How long should you wait to apply again for an airline card you closed?“, by Tony Mecia (CreditCards.com, 2018-09-04).

Reference : Friendship bracelets

One could ask how we got here, but sometimes it’s best to just take where you find yourself as given and go from there:

  1. DIY friendship bracelets. 5 easy DIY bracelet projects!“, by SaraBeautyCorner (YouTube, 2014-09-14).
  2. DIY chevron friendship bracelet“, by simpleDIYs (YouTube, 2013-06-19).

Reference : ZombieLoad

Selected articles related to the Intel chip security vulnerabilities called “ZombieLoad”.

  1. ZombieLoad: Cross-privilege-boundary data sampling“, by Michael Schwarz et al. (2019). A research white paper outlining the attack.
  2. What to do about the nasty new Intel chip flaw“, by Patrick Howell O’Neill (Gizmodo, 2019-05-14). Spoiler: Update your operating system and apps. And keep them up-do-date, while you’re at it.
  3. Apple, Microsoft, and Google are all releasing fixes for ZombieLoad, a scary security flaw in Intel chips that researchers just discovered“, by Julie Bort (Business Insider, 2019-05-15).
  4. Additional mitigations for speculative execution vulnerabilities in Intel CPUs” (Apple, 2019-05-14).
  5. Microsoft fixes Intel ZombieLoad bug with patch Tuesday updates“, by Danny Bradbury (Naked Security, 2019-05-15).

International Monetary System

References:

  1. Reform of the international monetary and financial system“, by Oliver Bush, Katie Farrant, & Michelle Wright (Bank of England, 2011-12).
  2. The 2015 Economic Report of the President“, by Jason Furman, Maurice Obstfeld, & Betsey Stevenson (The White House, 2015-02-19). Highlights from the full report (linked below).
  3. Economic Report of the President” (The White House, 2015-02).

Galois cohomology

Introductory online references to Galois cohomology:

  1. Galois cohomology” (Wikipedia).
  2. Galois cohomology“, by John Tate (IAS/Park City Mathematics Series). In the introduction, Tate recommends the book Galois cohomology (1997) by Serre.
  3. Galois cohomology” (Brown University, Math 2510).

Locally recoverable codes

References on locally recoverable codes:

  1. Locally recoverable code constructions and some extensions“, by Itzhak Tamo (Simons Institute, 2015-02-12).
  2. Locally recoverable codes from algebraic curves and surfaces“, by Alexander Barg et al. (arXiv, 2017-01-18).
  3. Reed–Solomon codes” (Stanford University).
  4. Reed–Solomon codes“, by Martyn Riley & Iain Richardson (Carnegie Mellon University, 1998?). More focus on hardware.

Guitar : “Scarborough fair”

Relevant references:

  1. Tablatures for ‘Scarborough fair” (Paul-Simon.info).
  2. Scarborough fair by Simon and Garfunkel“, by kirbyscovers (YouTube, 2016-04-19).
  3. Lyrics : Scarborough fair/canticle” (genius.com).