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Re: Object oriented programming for a high school junior

I'm planning to start my son with Python or Alice, and/or Lego Mindstorms, when he's about 9. Then move on to C-based languages and Java. He's now 6 and is so far looking to be mathy/science-y, but I don't yet know if his interest will go to physics or computers or engineering or even medicine. Reg...
by spotty_dog
Sun Aug 18, 2013 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 82
Views: 4541

Re: Object oriented programming for a high school junior

My son is going on 11 and is learning Python through the AoPS websites Intro to Python course. It was probably a bit advanced for him as he struggled quite a bit with the homework. As I was concerned he would abandon the course, I contacted a local university and was able to get one of their CS stu...
by spotty_dog
Sun Aug 18, 2013 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 82
Views: 4541

Re: 6/10/2013 Hindenburg Omen--time's up

MoonOrb wrote:I was sure this was going to be about Breaking Bad!


Ooh, we need to develop the Heisenberg Omen for technical analysis. Something about momentum, position, and methamphetamine.
by spotty_dog
Mon Aug 12, 2013 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: 6/10/2013 Hindenburg Omen--time's up
Replies: 23
Views: 2616

Re: 6/10/2013 Hindenburg Omen--time's up

And it wasn't just ONE Hindenburg Omen it was "a cluster of five Hindenburg Omens over the past few weeks." OK, but *that* cluster wasn't a *closely-grouped* cluster. THIS time it's "extremely rare to see as many Omens occurring together as we've seen over the past 50 days. The last ...
by spotty_dog
Mon Aug 12, 2013 11:45 am
 
Forum: Investing - Theory, News & General
Topic: 6/10/2013 Hindenburg Omen--time's up
Replies: 23
Views: 2616

Re: Boglehead Principles for the Wife

As "the wife" who up until about a year ago was paralyzed at the idea of being involved in the finances, may I recommend to your spouse the Suze Orman book "Women and Money"? As with most Suze books it's heavy on the insurance and revocable trust advice, misdirected on the invest...
by spotty_dog
Sun Aug 11, 2013 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead Principles for the Wife
Replies: 19
Views: 1977

Re: HELOC to buy vacation home..thoughts?

My family owns a 1/12 time share a couple of hours from our house. We've gone up there for four weeks a year for the past 3 years, and enjoy it. We've tossed around the idea of purchasing a unit outright in the same complex, so we could furnish it to our liking and go when it's most convenient to us...
by spotty_dog
Thu Aug 08, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: HELOC to buy vacation home..thoughts?
Replies: 76
Views: 4225

Re: David Swenson lazy portfolio critique?

You'll note that the pie chart says REAL ESTATE, not REIT. It's my understanding that in his book Swensen lays out his reasons for emphasizing that asset class so highly, and that he specifies either direct Real Estate holdings or TIAA-CREF Real Estate Account holdings for this portion of the portf...
by spotty_dog
Mon Aug 05, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: David Swenson lazy portfolio critique?
Replies: 16
Views: 2461

Re: How to improve our child's creative writing skills

Ooh, good one! My children go to public school but I like to keep in touch with homeschooling resources, both so I can make sure I have tools with which to supplement their educations, and in case homeschool turns out to be the better option with my EM physician husband's erratic schedule. My attent...
by spotty_dog
Mon Aug 05, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: How to improve our child's creative writing skills
Replies: 9
Views: 645

Re: David Swenson lazy portfolio critique?

You'll note that the pie chart says REAL ESTATE, not REIT. It's my understanding that in his book Swensen lays out his reasons for emphasizing that asset class so highly, and that he specifies either direct Real Estate holdings or TIAA-CREF Real Estate Account holdings for this portion of the portfo...
by spotty_dog
Sun Aug 04, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: David Swenson lazy portfolio critique?
Replies: 16
Views: 2461

Re: teaching kids about money

My son is 6 and my daughter is 4. Their allowance is not tied to chores explicitly, in that there isn't a "check off the chart and get paid" system. Rather, I expect my kids to be helpful commensurate with their ages and abilities. If they are not regularly helpful through the week, they d...
by spotty_dog
Tue Jul 30, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: teaching kids about money
Replies: 29
Views: 1809

Re: Spreadsheets

I guess there are a few variables that I was curious about. Sorry for the confusing nature of the original post. For example: If you "own" a house appraised at 300k house, but only have 50k equity in it, how would you calculate that into the net worth? 300 liability -50 asset = 250 liabil...
by spotty_dog
Sun Jul 28, 2013 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets [Net Worth]
Replies: 34
Views: 2695

Re: Who gets more College Financial aid?

The google tells me that the family's equity in their principal place of residence is not counted, but investments including bank accounts and brokerage accounts are counted.
by spotty_dog
Thu Jul 25, 2013 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Who gets more College Financial aid?
Replies: 52
Views: 3583

Re: Please advise me, Laura and other helpful bogleheads

SecretAsianMan wrote:No need to answer if you don't want to divulge details, but I must say I'm fascinated that you work for the federal government, are only 36, have a stay-at-home wife, and are in the 33% tax bracket. How does that happen?


Mr. President? Wait, he's older than 36. ;)
by spotty_dog
Wed Jul 24, 2013 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Please advise me, Laura and other helpful bogleheads
Replies: 9
Views: 3978

Re: What did Bogleheads do when the stock market crashed?

This post was a sticky when I first arrived here, I thought it was very illuminating. viewtopic.php?t=26284
by spotty_dog
Tue Jul 23, 2013 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79328

Re: Free books for kindle?

Your local library.

I use Overdrive via my library to download books very seamlessly to Kindle.
by spotty_dog
Fri Jul 19, 2013 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Free books for kindle?
Replies: 17
Views: 1733

Re: Asset Allocation clarification

Bernstein made a good case, I think it was in the Investor's Manifesto, for doing a full-bore rebalance only every 1-2 years. I have chosen annual rebalancing just because it's easier to remember "rebalance on my birthday" than "rebalance on my birthday in even-numbered years". I...
by spotty_dog
Wed Jul 17, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation clarification
Replies: 29
Views: 1738

Re: Appliances Dilemma - Replace just the broken or Replace

mhalley wrote:Note that you need to test the dishwasher with a magnet to ensure it will stick to it, else you would need a vinly cover.


FWIW, I have read that there are two grades of stainless used for appliance finishes. The kind that magnets stick to is also the kind that smudges worse.
by spotty_dog
Wed Jul 17, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Appliances Dilemma - Replace just the broken or Replace all
Replies: 34
Views: 1907

Re: Expenses as % of after tax monthly household income.

Please comment. What kinds of comments are you looking for? Praise? Criticism? Comparison? We are in a similar life stage, with a preschooler and an elementary schooler, and in a slightly higher bracket and probably a lower COL. We save a lot more than you do by percentage, and spend a lot less, es...
by spotty_dog
Tue Jul 16, 2013 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1210

Re: I think I just won the game … have I and what do I do ne

My observation would be that your kids are small and you live in an expensive area. I would expect your expenses to increase, dramatically, over the next 10-15 years. I hear from my parent friends of teens that older kids are mind-blowingly more expensive than littles, from food to clothes to entert...
by spotty_dog
Tue Jul 16, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: I think I just won the game … have I and what do I do next?!
Replies: 55
Views: 7947

Re: Does a variable annuity make sense for me?

- You hear about "wealth managers" investing their clients assets in high expense mutual funds all the time. Why do you not hear about these same advisors investing assets in variable annuities? Hm, I'd say I've definitely heard those stories. They usually come in the same breath with adv...
by spotty_dog
Mon Jul 15, 2013 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Does a variable annuity make sense for me?
Replies: 20
Views: 1233

Re: Appliances Dilemma - Replace just the broken or Replace

It sounds like you really want the new appliance though. The only dishwasher brand I've ever heard recommended without hesitation is Bosch. I would not do the whole kitchen at once just to get stainless. Make the needful replacement, then do some research about what you need/want/can afford and lay...
by spotty_dog
Mon Jul 15, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Appliances Dilemma - Replace just the broken or Replace all
Replies: 34
Views: 1907

Re: Appliances Dilemma - Replace just the broken or Replace

How about repairing the dishwasher? My 12-year-old machine recently started squealing and screaming every time it was run. We google-diagnosed a dying pump motor, and the internet implied that we had just a few days or weeks until it ceased working completely. Replacing the pump motor turned out to ...
by spotty_dog
Mon Jul 15, 2013 11:40 am
 
Forum: Personal Consumer Issues
Topic: Appliances Dilemma - Replace just the broken or Replace all
Replies: 34
Views: 1907

Re: MD/MBAs out there?

I had someone in an administrative trajectory recommend Certified Physician Executive training to those who want to develop themselves in this aspect of medicine. But just like in any other career, there isn't some magical "get the degree and the job is waiting for you" fairy. From what I ...
by spotty_dog
Thu Jul 11, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: MD/MBAs out there?
Replies: 2
Views: 462

Re: Putting the rest into stocks?

I have about 70k sitting in cash that isn't earning any interest, so I'm thinking about putting the rest into stocks and splitting it between Total Stock and Total International at 70/30. By doing this, it would mean my emergency fund is down to 30k. This would put my allocation at 95%+ stocks base...
by spotty_dog
Sat Jul 06, 2013 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting the rest into stocks?
Replies: 16
Views: 1253

Re: finance vs cash for car; TLH vs LTCG ?

I hear ya ! Costs can mount quickly, esp with little ones. I'm fortunate enough to have a flexible job that let me increase my pay anytime by working more. With this purchase in mind, I've ramped up my schedule & will probably bring home at least 30% more this year. :happy I mined your past pos...
by spotty_dog
Sat Jul 06, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: finance vs cash for car; TLH vs LTCG ?
Replies: 21
Views: 1334

Re: finance vs cash for car; TLH vs LTCG ?

Honestly, it doesn't sound like you can afford this car. For me this car was 3 months salary so in the grand scheme it wasn't a big deal to me. OP saves $113k in retirement and $75k in non-retirement each year, and still has enough left for silly little things like taxes and, you know, living. So I...
by spotty_dog
Fri Jul 05, 2013 11:54 pm
 
Forum: Personal Consumer Issues
Topic: finance vs cash for car; TLH vs LTCG ?
Replies: 21
Views: 1334

Re: Anti-Boglehead book recommendations?

I love researching opposite ends of a spectrum in fields where opinions are strongly held and strongly polarized. I feel like I get a better big-picture view and make more well-rounded decisions. Here are some of the "opposite to Bogle" selections I've read. "Smarter than the Street,&...
by spotty_dog
Fri Jul 05, 2013 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead book recommendations?
Replies: 35
Views: 4131

Re: finance vs cash for car; TLH vs LTCG ?

OK, so if the car price is <1 year of your typical non-retirement savings, then why not wait until the fall or winter to make the purchase, combine with a smidge of your liquid emergency fund (which will take very little extra time to replenish at that rate), and pay cash? Baby isn't coming until ne...
by spotty_dog
Fri Jul 05, 2013 11:04 am
 
Forum: Personal Consumer Issues
Topic: finance vs cash for car; TLH vs LTCG ?
Replies: 21
Views: 1334

Re: finance vs cash for car; TLH vs LTCG ?

On your test ride, did you put a rear-facing infant seat behind each of the front seats and see if it affected the front passengers' comfort? That has been our biggest hurdle with sedans, though I'm sure with luxury styling there's extra legroom built in. Can you get a good, solid LATCH install at a...
by spotty_dog
Thu Jul 04, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: finance vs cash for car; TLH vs LTCG ?
Replies: 21
Views: 1334

Re: How many pair of shoes?

One pair everyday Keens Maryjanes (~1 year old). One pair running shoes (3 years old). One pair Teva sandals (~8? years old). One pair hiking boots (~16 years old). One pair high heels from Payless (~2 months old). I also have another pair of everyday shoes that is 10 months old but the soles fell a...
by spotty_dog
Wed Jul 03, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: How many pair of shoes?
Replies: 70
Views: 4504

Re: Safety schools for a Physics/Math kid

And away from Reed, which while objectively great for Physics is too quirky for me to pay top dollar at. I attended Lewis & Clark College, Reed's neighbor and sometime competitor (which, unlike Reed, offers merit scholarships), and acquired a BA in Physics. The other physics majors who graduate...
by spotty_dog
Tue Jul 02, 2013 11:50 am
 
Forum: Personal Consumer Issues
Topic: Safety schools for a Physics/Math kid
Replies: 263
Views: 15842

Re: What to do with small cash gift for baby

[quote="sunnyday"It's probably not enough to bother setting up a 529 account or a brokerage account.[/quote] Every little bit counts. My ILs send all their grandkids about $400 each year on their birthday, earmarked "for college". We deposit immediately into their 529s; we also m...
by spotty_dog
Mon Jul 01, 2013 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small cash gift for baby
Replies: 14
Views: 1297

Re: Are we saving enough?

Last year we paid 23K in FIT, 8K in State. I can't imagine our federal doubled. You made $200k, didn't even max your 401k, and paid under 12% effective?? Dang! What's your secret? Last year our AGI was 149.9K. Commission sales is variable, I got a promotion as well. Our income is up this year. No s...
by spotty_dog
Mon Jul 01, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving enough?
Replies: 19
Views: 3065

Re: Are we saving enough?

mamarachel wrote:Last year we paid 23K in FIT, 8K in State. I can't imagine our federal doubled.


You made $200k, didn't even max your 401k, and paid under 12% effective?? Dang! What's your secret?
by spotty_dog
Mon Jul 01, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving enough?
Replies: 19
Views: 3065

Re: Best asset allocation book to read?

To start with I would pick from the first five books on this page: http://www.bogleheads.org/wiki/Books:_R ... nd_Reviews
by spotty_dog
Sun Jun 30, 2013 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1624

Re: how/when to cash in EE bonds

It's my understanding that taxes come due on the interest as soon as the bond matures, whether you cash it in or not. Make sure that she's not racking up IRS penalties while holding fully mature bonds (or since you say "she put your name on them" if that means that the ownership has passed...
by spotty_dog
Sun Jun 30, 2013 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: how/when to cash in EE bonds
Replies: 7
Views: 565

Re: Did I TLH properly?

So when you TLH, the market essentially determines which fund you'll get stuck with long-term, depending on how it moves during the 30-day period? Seems like an odd thing to leave to chance. You might like the discussion Larry Swedroe gives in his "Right Financial Plan" book. He lays out ...
by spotty_dog
Fri Jun 28, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Did I TLH properly?
Replies: 21
Views: 861

Re: Current rebalancing opportunities

Earlier this week I saw that Emerging Markets was down in my allocation by about a percent. It was a little painful to do so (this was my first experience rebalancing into an asset class that was underweight because of sharply negative market moves) but I added new money to bring it into its correct...
by spotty_dog
Thu Jun 27, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Current rebalancing opportunities
Replies: 20
Views: 3462

Re: Emergency cash in taxable

Thanks, it's good to see there is no one right answer. rfburns, I hear you. But there has to be a limit. You don't allocate your whole retirement savings to e-fund, right? So the "correct" amount is determined by circumstance. When my husband started his new high-paying job, the likelihood...
by spotty_dog
Fri Jun 21, 2013 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency cash in taxable
Replies: 5
Views: 737

Emergency cash in taxable

My husband and I have been pretty conservative with our emergency fund, holding about 8-12 months of expenses in a money market account. But we have re-evaluated recently and determined that, with a stable job and a decent disability insurance policy, along with a sizeable taxable investment account...
by spotty_dog
Thu Jun 20, 2013 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency cash in taxable
Replies: 5
Views: 737

Re: Has anybody read Value Averaging?

I bought the book and started to read it, but soon realized that I needed to focus on the saving and allocating parts of the equation and get those solid before I tried messing with the tweaking of returns part of the equation. IlliniDave sums up my impression from the little I read.
by spotty_dog
Fri Jun 14, 2013 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Has anybody read Value Averaging?
Replies: 36
Views: 2177

Re: What does it take to become a Boglehead?

I have a quote that I like to refer back to whenever I'm confronted with trying to share an obvious and beneficial truth with someone who's invested in doing things another way. If we think of the majority of our society (or world), with respect to [whatever topic], as moving in direction X, and our...
by spotty_dog
Thu Jun 13, 2013 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: What does it take to become a Boglehead?
Replies: 31
Views: 2258

Re: Windfall management with low income

Do you have anticipated needs for that money, say during the transition from your low-income to your higher-income phase? If you think you might need the money within 5-10 years, it's advised you just park it in a high-interest saving account, a savings bond, or a CD.
by spotty_dog
Thu Jun 13, 2013 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall management with low income
Replies: 8
Views: 651

Re: Help me manage a $7 million portfolio.

Why not go to 3 different fee only advisors, see what they say, and pick the one you and mom like most? Or, what could be wrong with these guys- Bernstein, Ferri, Swedroe? That'd be a no brainer. I thought Bernstein too, but he only takes portfolios above $10mil. http://www.efficientfrontier.com/ef...
by spotty_dog
Sat Jun 08, 2013 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12024

Re: Just getting started - IPS Review

You sound inspired! Way to go thinking about this stuff so early. :) My only suggestion is to take this impressive document and file it away for future reference. Then draft a somewhat simpler one that takes into account your current reality. You are an unemployed student. Projections about how you ...
by spotty_dog
Tue Jun 04, 2013 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just getting started - IPS Review
Replies: 6
Views: 528

Re: Adult "child" moved back home - avoiding failure to laun

My brother didn't manage his first year in college very well, so he moved back home. My parents treated him like an adult. He was allowed to have friends over/stay out late (while still being respectful to the others who lived in the house), he was expected to maintain his own car payment and insura...
by spotty_dog
Thu May 30, 2013 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 12464

Re: Does Vinegar kill weeds?

then cover whole bed w/ a heavy weed cloth (also called landscaping cloth - two layers even better) May I offer, to hell with landscaping cloth and the horse IT rode in on? LOL. I've spent 4 years rehabilitating the cloth-choked beds I inherited in this house, and the resulting rock-hard compacted ...
by spotty_dog
Sat May 25, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Does Vinegar kill weeds?
Replies: 31
Views: 2833

Re: How much home? Home Value - net worth ratio

It's just one example of a very conservative rule of thumb. I got the idea from the book, Financially Stupid People are Everywhere (don't be one of them). That author's gist is to live WAY within your means and build financial independence. If you're spending 30-40% of your paycheck just to keep a r...
by spotty_dog
Fri May 24, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much home? Home Value - net worth ratio
Replies: 19
Views: 2492

Re: How much home? Home Value - net worth ratio

When we bought our home, its value was probably at least 4x our other assets, and the mortgage sent our net worth slightly negative. Four years later, the house (which has lost about 10% of its value in the interim) is about 1/3 of our assets and about 1/2 of our net worth. I think the calculation i...
by spotty_dog
Fri May 24, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much home? Home Value - net worth ratio
Replies: 19
Views: 2492

Re: Just finished a draft of my IPS, critiques?

For those of you who asked about it before, I am engaged (wedding currently aimed for 2015) and have no children. Congrats on your engagement! Since you will soon be married so you expect there might be someone at some point along the line who will be financially impacted by your passing, now is as...
by spotty_dog
Thu May 23, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2430
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