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Re: Having my year end review with my manager, what to expec

Performance reviews are a crock. Just engage, smile and play along. I wish management would concentrate on the top 10% “shooting stars” and the bottom 10% “one foot out the door”. For the 80% in the middle, it doesn’t make any difference how you perform. In fact for the 80% in the middle, chances a...
by investingdad
Fri Dec 19, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2642

Re: Having my year end review with my manager, what to expec

I'm in engineering and mid-career. Our company is undergoing re-structuring and I fully expect to be let go next month. My raise this year was 2% and my bonus was 2%. My end of year review was generally positive but I'm not stupid and can read between the lines on the bonus details. I can tell you, ...
by investingdad
Fri Dec 19, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2642

Re: What's your withdrawal rate for 2014?

As a 41 year old BH who is planning for an early retirement, this thread and the responses from those that are older and have retired is VERY good information for me to have. It's outstanding to see real world withdrawal rates from like minded individuals. Thanks.
by investingdad
Thu Dec 18, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2520

Growing Strength of Our Investment Income

So not all of the year end payouts have hit the books on our various mutual funds yet, but enough have (coupled with my forecast based on payout projections from Vanguard) that I've been able to get a pretty good handle on the total FY14 payout. I started tracking payouts in 2012 since it was the fi...
by investingdad
Thu Dec 18, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Growing Strength of Our Investment Income
Replies: 2
Views: 654

Re: WHY is retirement enjoyable / something to look forward

It's a complex question with many, complex answers. I'm only 41 and I do hope to retire in my early 50s. Or more to the point, I hope to have the ABILITY to retire in my early 50s. I'm an engineer and for whatever reason, my career from the very start has been with employer after employer that has d...
by investingdad
Tue Dec 16, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 137
Views: 7579

Re: Volvo vs. Mercedes

I had a week of seat time in a CL250 4Matic when my car was getting some insurance work done. Here are some observations: - interior felt cold and a bit sterile - dash and controls were very busy and felt cluttered - 7 speed automatic wasn't the best execution of an automatic, car often felt winded ...
by investingdad
Tue Dec 16, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 50
Views: 4003

Re: Any pilots here?

I had planned to enter the Air Force upon high school graduation and had access to discounted flight lessons when I was 16 and started taking them then. I solo'd when I was 16 and started studying for IFR (instrument flight). That's where my interest dropped off dramatically. Couple that with the re...
by investingdad
Tue Dec 16, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 2919

Re: WiFi, brick walls, metal

Yes on the fridge. If I'm using my phone and the fridge is between me and where we have the router, the signal strength drops off.
by investingdad
Thu Dec 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1037

Re: Toddlers first flight

For some reason, I ALSO read this as "Toddlers First Fight". :D Our kids are 9 and 7, but they each got on their first flight at 1.5 years old. Flights were to Florida, so for us...about 2.5 hours of flight time. We didn't have to fly when they were not feeling well, however. This is the a...
by investingdad
Thu Dec 11, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Toddlers first flight
Replies: 30
Views: 1834

Re: Tell me about Berlin :-)

Never been to Berlin but was part of a post-college group that started in Frankfurt and then went onto Heidleberg and some other academic towns. I can read rudimentary German and at the time, could speak a bit as well...though heavily accented with American. My experience of trying to communicate in...
by investingdad
Thu Dec 11, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 40
Views: 3530

Re: Different Experience With TSA Pre-Check

I wasn't even aware of the program. I don't fly that much for work, I did a bit more when I was in my 20s but it's been less and less over the years. Anyway, my wife and I and our two children fly to Florida around the same time every year for our annual vacation. This year we were directed to the p...
by investingdad
Thu Dec 11, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2803

Re: Instruments and kids

My oldest entered fourth grade this year, the first year our school offers individual instrumental music instruction. They were introduced to recorders in 3rd grade but 4th grade is when they get to select what they want to play, start band, etc. My daughter talked non-stop about playing the flute ...
by investingdad
Wed Dec 10, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1915

Re: Instruments and kids

My oldest entered fourth grade this year, the first year our school offers individual instrumental music instruction. They were introduced to recorders in 3rd grade but 4th grade is when they get to select what they want to play, start band, etc. My daughter talked non-stop about playing the flute a...
by investingdad
Wed Dec 10, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1915

Re: Estimated capital gains on Vanguard

I tried using the link via my phone. THAT worked.

For some reason, when I went back via the computer...it now links correctly. Strange.
by investingdad
Tue Dec 09, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated capital gains on Vanguard
Replies: 13
Views: 1007

Re: Estimated capital gains on Vanguard

Is it just me or am I not seeing any updated information? Dec.9 "Updated and expanded estimates: Year-end 2014 capital gains for applicable Vanguard funds and ETFs, broken down by short-term, long-term, and total gains, plus estimated income and qualified dividend income percentages . :happy R...
by investingdad
Tue Dec 09, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated capital gains on Vanguard
Replies: 13
Views: 1007

Re: Estimated capital gains on Vanguard

Is it just me or am I not seeing any updated information?
by investingdad
Tue Dec 09, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated capital gains on Vanguard
Replies: 13
Views: 1007

Re: Have you ever been let go?

Yes, about 8 years ago. I knew it was likely but hadn't prepared myself mentally for it. Our division was being prepped for sale after the parent company was bought by a rival. It did not feel good. However, I found another job before severance ran out. And I fully expect to be let go next month. I'...
by investingdad
Tue Dec 09, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5468

Re: Family jewels, kind of.

Well, you could always tell the future in-laws that you appreciate the offer but that you had done some ring shopping prior to asking their permission to marry their daughter. And that you found something you really liked and thought she'd love. And that you were really torn about telling them this ...
by investingdad
Mon Dec 08, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3316

Re: Did you parents and your childhood effect the way you ha

Absolutely. My dad is the one that got me thinking about investing in mutual funds after I graduated from college. I ended up buying my first shares around that time. His parents were born in the 1900s (as in, the 19 oughts) and lived through the Depression. However, his dad and brother started and ...
by investingdad
Mon Dec 08, 2014 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Did your parents/childhood affect the way you handle money?
Replies: 29
Views: 2052

Re: GMAT prep

I found the GMAT very challenging and am surprised you did not. Since the questions get harder when you get an answer right and easier when you get one wrong, the whole idea (I thought) is that after a while they are asking questions right on the edge of your ability. I should mention I took the GM...
by investingdad
Thu Dec 04, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: GMAT prep
Replies: 23
Views: 1562

Re: Avoiding lifestyle creep

Regardless of what you decide to do (lots of good suggestions), I would make the case for taking $100 (or whatever amount you are comfortable with) and treating yourself to a really nice ____ (fill in the blank).

There's nothing wrong with a small reward for your hard work.
by investingdad
Thu Dec 04, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5434

Re: GMAT prep

My test taking experience is as follows: - SAT - GMAT - LSAT After my engineering degree, I knew I wanted to go back to school for an advanced degree. I settled on the MBA. I thought about a law degree AFTER getting the MBA, which is why I took the LSAT. I never paid for anything other than the test...
by investingdad
Thu Dec 04, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: GMAT prep
Replies: 23
Views: 1562

Re: Reached a minor financial milestone this month

I know it isn't a great deal of money but my wife and I passed the 250k mark in combined retirement assets this month. I wanted to take a moment and thank you kind folks because finding this forum made us realize that early retirement was a legitimate option if we started prioritizing maxing out ou...
by investingdad
Sun Nov 30, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3682

Re: I'm getting Slaughtered in stocks

To be clear, I'm hardly enjoying the fact that my brokerage account is off 45% or so from its eighteen month high. And I wasn't planning to sell at a loss at this time. My stock selection has always been trying to find the potentially big mover, with the understanding that the there is a lot of risk...
by investingdad
Sun Nov 30, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 5844

Re: I'm getting Slaughtered in stocks

Pain is good. Extreme pain is extremely good. Because some day you'll get tired of the pain, put all your money in index funds and forgetaboutit. And that's the right thing to do. The worst thing that could have happened is for your three stocks to be up 45%. You might start thinking you're smart o...
by investingdad
Sat Nov 29, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 5844

I'm getting Slaughtered in stocks

I wanted to share my recent stock performance experience because it's only fair to talk about the bad as well as the good. I maintain an account with a brokerage that I use for fooling around with stock and option trades. It's mostly for the excitement angle of making some quick kills, which I've do...
by investingdad
Sat Nov 29, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 5844

Re: What do you splurge on?

Beer...$40 a case is average. Maple syrup...corn syrup with fake flavors is disgusting. American made pool table and air hockey table for the now finished basement, great fun for our family, my seven year old has gotten remarkably competent at shooting pool in a short period of time. Nothing like s...
by investingdad
Tue Nov 25, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19778

Re: What do you splurge on?

rai wrote:I own seven pinball machines.

Getting one is on my list for the game room, which ones do you have?

There only one that I want...World Cup Soccer, it's what I played in college.

Any advice?
by investingdad
Sun Nov 23, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19778

Re: What do you splurge on?

Beer...$40 a case is average. Maple syrup...corn syrup with fake flavors is disgusting. American made pool table and air hockey table for the now finished basement, great fun for our family, my seven year old has gotten remarkably competent at shooting pool in a short period of time. Nothing like si...
by investingdad
Sun Nov 23, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19778

Re: 75w LED bulb in a 60w socket?

My engineer brain is forcing me to point out what is probably obvious - a "75W" LED bulb is not drawing 75W of power. This is why it is OK to use it in a socket rated for 60W. The 75W rating is supposed to indicate it produces an equivalent light output to a 75 W incandescent bulb. On the...
by investingdad
Mon Nov 17, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 2296

Re: Boglehead Beer

I've been into German beer lately, especially the bocks and the dunkels. Weihenstephaner and Schneider-Weisse make some great beers. Spaten is good for the price. Schlenkerla makes an awesome rauchbier! Yes, Wiehenstephaner is quite tasty, isn't it? It's the beer that converted my wife to a sort of...
by investingdad
Sat Nov 15, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 54908

Re: Dealing with pressure for "social donations" at work

Here's my question:

Does the manager in question have salary authority for the people getting the "bonus" that is paid in by the OP?
by investingdad
Fri Nov 14, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10773

Re: Bogleheads, tell me about your 40's?

I'm 41 and we have two elementary aged kids. Very busy with soccer as both of them play. Remarkable how much I enjoy taking them to practice and games, though it makes our evenings VERY hectic. I've thought to myself many, many times as I'm walking them off the field after practice how much I'm goin...
by investingdad
Fri Nov 14, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17176

Re: Savings rate of -2% for those under 35 - WSJ

I get the feeling that if this article had been written two decades ago, about the previous generation, that the data wouldn't be too much different except for the fact that they weren't weighed down by the same level of education debt as we are. I'm in the upper range of millenials (33) and I am b...
by investingdad
Mon Nov 10, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4810

Re: Savings rate of -2% for those under 35 - WSJ

I Ride on NJ transit with people in all stages of their lives. We sometimes talk the economics of living in the garden state and so many have opened up about the inability to save money due to the costs of getting by especially housing and college costs. I know so many people who don't put any mone...
by investingdad
Mon Nov 10, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4810

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I'm an engineer and I also picked up my MBA while I was still in my early 20s. I took some courses in derivatives, financial statement analysis, etc. I completed my MBA in 2000...right around the time the NASDAQ imploded, bringing everything else down with it. When I started working in the mid 90s, ...
by investingdad
Fri Oct 31, 2014 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10785

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her. I agree. I assume algebra is not being ta...
by investingdad
Thu Oct 30, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable) You j...
by investingdad
Thu Oct 30, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable)
by investingdad
Thu Oct 30, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her. Re livesoft: The answer was self evident ...
by investingdad
Thu Oct 30, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

This seems like a good problem to me -- I enjoyed doing it, and it took me a minute or so. It also seems above a second-grade level, and I'm impressed if your son is figuring it out, regardless of his methods. Without discussing policy, my understanding of common core as it relates to math is that ...
by investingdad
Thu Oct 30, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

I don't see anything wrong with her approach. If you had said, something like "It's great that you solved it!...can you come up with a way to solve it without having the list of answers?", then you might have had better success at mentoring her. (I'm using 20/20 hindsight of course.) She ...
by investingdad
Thu Oct 30, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Are the YMCA teachers actually teachers or are they minders? I don't know the backgrounds but they're clearly not certified teachers. Which is why I don't want my kids going to them for homework help. Nothing personal, they're nice enough...but if they cannot solve this sort of problem w/o working ...
by investingdad
Thu Oct 30, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Hmmm. it's been 60+ years since I was in the 4th grade, but I'd have thought an adult should be able to do that in their head in about 5 or 10 seconds. I don't know that I'd call it solving simultaneous equations. I'd call it addition, division, and multiplication. jimb As an engineer, my preferenc...
by investingdad
Thu Oct 30, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Ran into a similar scenario with my 5th Grade son. He is able to identify the correct answer based on the multiple choice selections, but cannot perform the following calculation steps: Spoiler alert!! D = 8C D + C = 63 1. 8C + C = 63 2. 9C = 63 3. C = 63/9 = 7 4. D + 7 = 63 5. D = 56 I help him wi...
by investingdad
Thu Oct 30, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

Miakis wrote:Could your daughter have solved this problem without the multiple choice answers available?


Yes, she would have figured it out, though her methods would not have been the cleanest or most elegant.
by investingdad
Thu Oct 30, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: A Little Common Core Math problem

So, your saying that your daughter would not have been able to solve the problem if it were not Multiple Choice? If so, That's not a good plan. Absolutely, I agree. Which is why I sat her down and showed her how to tackle this type of problem through the proper use of simple equations and variables...
by investingdad
Thu Oct 30, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

A Little Common Core Math problem

Ok, this math problem isn't too bad for Common Core. It came from my daughter's fourth grade math book. I'm not sure how the teacher is teaching the way to solve this type of problem, but I do know he's not a fan of Common Core in general. Anyway, let me share the problem first. Jane has two pets, a...
by investingdad
Thu Oct 30, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2926

Re: Possible Uninsured Motorist accident - UPDATE

I'd have texted, too. All you needed was the info, which you got from the text. Lots of crazy people out there. No need to engage in social contact with someone with whom you have an adversarial relationship, even if you were the who who "started it" by accidentally hitting someone else's...
by investingdad
Thu Oct 09, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3714

Re: Possible Uninsured Motorist accident - UPDATE

Just an update on our rearend collission issue. So after getting the girl's phone number from the State Police, my wife called her and left a message. No response. We then sent a certified letter to the address listed on the insurance card she provided to us and the police (clearly her parents' add...
by investingdad
Thu Oct 09, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3714
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