Search found 357 matches

by tarheel
Mon Apr 09, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

It seems like none of the responses directly address the issue of children, so I'm going to jump in here. I have 4, ages 12-22, so I have a little experience in how costs go with kids. Here are a few things to think about: (1) Medical costs. We have one with a LOT of medical issues through the year...
by tarheel
Mon Apr 09, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

onourway wrote:
Mon Apr 09, 2018 9:13 am
It was asked earlier but I didn't see a response - do either of the employers offer a tuition assistance program for your kids?
Unfortunately nope. If we stayed though, the in state school is much more attractive. Could save on college that way.
by tarheel
Mon Apr 09, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

What jumps out is that you’re significantly undersaving for college, for two, let alone five. That would eat up 2k a month easily. The grandparents have really helped out on that one - each of the 3 children already has $10K in a 529. With the bump in salary we plan on starting to contribute monthl...
by tarheel
Mon Apr 09, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

I think people could answer more accurately if they read yor previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=243809 Like OP, I'm "mid-career" faculty in the "physical sciences". OP in the thread quoted above says: "However, the institution [he would be moving to] is significan...
by tarheel
Sun Apr 08, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? I might be able to help. I have...
by tarheel
Sun Apr 08, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Your networth is $100k - I am surprised that you are thinking you have plenty - maybe its because of the job security you feel so. 6k/yr wiggle room - what are you doing with the rest of 175K? 24k is good extra money to compound every year - I would move - there are no guarantees in life. We are fi...
by tarheel
Sat Apr 07, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

I think people could answer more accurately if they read yor previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=243809 Like OP, I'm "mid-career" faculty in the "physical sciences". OP in the thread quoted above says: "However, the institution [he would be moving to] is significan...
by tarheel
Sat Apr 07, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? Yes it will. I wonder if you ca...
by tarheel
Sat Apr 07, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Well, I'm not in the academic world, but I would speculate there are always political situations/bad bosses and department heads and administrators, different kinds of student populations, and other job factors. And if these are significant, I think the money isn't worth it. You have to go in there...
by tarheel
Sat Apr 07, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

100% job security (tenured professor) and cost of living would be roughly the same (it's already been budgeted as well). If you are a young professor and are offered a tenured position at a decent institution, take it, especially if it comes with a decent increase in pay and you don't mind living i...
by tarheel
Sat Apr 07, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

I think it's a bit crazy to take the risk of a new job at all (let alone one that is less satisfying) just to move to a cheaper area. Job security (and job comfort) is all-important. 100% job security (tenured professor) and cost of living would be roughly the same (it's already been budgeted as we...
by tarheel
Sat Apr 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children.

Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future?
by tarheel
Sat Apr 07, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

No one is in a better position to answer this question than you are. What do you think? Is the question really whether or not you should move and what are the other considerations. If you just want an answer out of the blue in the abstract it is that such an increase would be a big deal for most pe...
by tarheel
Sat Apr 07, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

Re: What would an extra $2000 in cash flow mean for a large family?

Mike Scott wrote:
Sat Apr 07, 2018 12:09 pm
What would you be giving up in the move and how does that tangible or intangible value compare to the financial gain?
I would likely be taking a step down in job satisfaction, but nothing horrible.
by tarheel
Sat Apr 07, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4269

What would an extra $2000 in cash flow mean for a large family?

The DW (SAHM) and I are trying to make a moving decision and I'm hoping that some of you with larger families could chime in. We are in our late thirties, with a newborn, 2 year old, and 4 year old. Perhaps one (two :shock: ) more at some point. :happy If we stayed, we would be fine financially, but...
by tarheel
Sat Apr 07, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

Re: How does one adjust salaries to account for housing costs when considering a move?

Step 1 is to focus on cash flow. You know where you are now. Figure out what it's going to be for the new place. You are somewhat doing it with the mortgage difference. Do it with taxes (federal, state, property) and all the rest of the stuff. There are a lot of cost-of-living calculators around, u...
by tarheel
Fri Apr 06, 2018 4:56 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

Re: How does one adjust salaries to account for housing costs when considering a move?

The two options look close in immediate future financial terms. So I would focus almost entirely on how they affect other factors, like quality of life, spending time with family, commute distance, quality of schools, distance from family and friends, enjoyment of the job, potential for career adva...
by tarheel
Fri Apr 06, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

Re: How does one adjust salaries to account for housing costs when considering a move?

tarheel, <<Let's assume that job 1 offers a salary of 150K and job 2 offers a salary of 200K.>> <<We have calculated the likely cost of a house that would fit our family needs, and for job 1 it would be a roughly 475K mortgage, and for job 2 it would be 700K.>> 1) Both jobs are about equivalent. Jo...
by tarheel
Thu Apr 05, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

Re: How does one adjust salaries to account for housing costs when considering a move?

golfCaddy wrote:
Thu Apr 05, 2018 9:25 pm
Money that goes to principal increases your net worth. It's the interest, taxes, and insurance which are the costs you should subtract from the HCOL job.
Yeah, I thought it was something like that.....that makes sense to me. Thanks!
by tarheel
Thu Apr 05, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

Re: How does one adjust salaries to account for housing costs when considering a move?

I appreciate the replies. We've considered all of the good points above and we're really just trying to compare the salaries....
by tarheel
Thu Apr 05, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1476

How does one adjust salaries to account for housing costs when considering a move?

The DW and I are in the middle of a major decision concerning a cross country move. While comparing the two salaries offered (to either stay or go) I recently realized I might be doing things somewhat incorrectly. Let's assume that job 1 offers a salary of 150K and job 2 offers a salary of 200K. We ...
by tarheel
Mon Apr 02, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Update? I have the final offer from my present institution, and at this point we would accept it if nothing changes. It is fair, but not overly aggressive. I have communicated this to the private school, and they are currently meeting with administration and trying to do everything they can to incr...
by tarheel
Wed Mar 21, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Ok, got the retention package. It is very fair. Significant salary bump (>50%). An amount of $ that would make a real difference for the family. Not quite at the level of the private school, but in the same general ballpark.

Any helpful comments welcome....thanks everyone.
by tarheel
Sun Mar 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

KeepinItPositive wrote:
Sat Mar 17, 2018 12:33 pm
Any updates?
Should know more about the retention package this week......I'll check back in when I have more details. Thanks for the help and interest everyone! :sharebeer
by tarheel
Sun Mar 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Do you enjoy "change" or do you like the status quo? Personally, if something is a truly a coin flip, I'm always going to choose the side of change. Adding variety, living somewhere new, experiencing different people, places and things...these have value to me. Staying in the same place forever sou...
by tarheel
Sun Mar 18, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Have you considered trying the new position while taking a year's unpaid leave of absence from your current school? My situation was a bit different, but I got to a point when I was unhappy with several aspects of the town and school environment and was ready to leave my tenured position. My depart...
by tarheel
Tue Mar 13, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I've worked in academia at a top-tier university, and I'd say that the important elements are: - Base salary - Summer Salary support - Research support - which institution does better at supporting grant activity? Does the "new" offer come from a Univ. that is successful with NIH/NSF applications i...
by tarheel
Tue Mar 13, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

If your current employer is preparing a retention offer because you told them you are considering a move, why aren't they paying you more already? In other threads concerning job offers in fields outside academia, most people say "retention" offers by current employers are the kiss of death, i.e., ...
by tarheel
Sun Mar 11, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

First off, congratulations! Such an offer speaks volumes about you and your work. Well earned! It sounds like it more or less hinges on the retention offer. If your current U. can get reasonably close, then staying sounds more appealing. Being in a good department with good colleagues, having the r...
by tarheel
Sun Mar 11, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

anonenigma wrote:
Sat Mar 10, 2018 1:15 pm
Presumably you have a defined benefit pension plan at your public university? Presumably only a defined contribution planning at the private that’s recruiting you? Difference will be substantial.
Defined contribution at the private, but higher contribution %.
by tarheel
Sat Mar 10, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Until you get the retention offer then you are not in a position to make a decision - yes? All speculation at moment. Is there a timeline attached to your outside offer for a response? Sure, can't decide yet without specifics but I am preparing for the decision being tough. If the retention is poor...
by tarheel
Sat Mar 10, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

My outside offer is from a private institution with deep pockets. The offer is very aggressive salary-wise, and we would have grandparents in the area. However, the institution is significantly weaker in my research area and it would likely negatively affect my group's research, at least in the sho...
by tarheel
Sat Mar 10, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

If money were equal, what would you do? If it's stay, I'd probably see how close they can get to the other offer and stay if it's within 10-20 percent I'd say this is close to my current thinking. I basically told the private school that there would have to be "a significant financial reason" to mo...
by tarheel
Sat Mar 10, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Two more things to consider. How do the quality the schools that your kids will go to compare. What the relative cost of living is which will be important for your kids when they grow up. I once lived in the San Francisco Bay Area which has always been expensive when I was younger and some of my ol...
by tarheel
Fri Mar 09, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I would do an actual coin flip - heads you stay, tails new job. Flip the coin fairly high. A, ask yourself what were you secretly wishing it would land on. Look at the coin - are you happy with what you see or just a little disappointed? That will tell you what you really want. Maybe have your wife...
by tarheel
Fri Mar 09, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

is the new place offering any sort of college tuition benefit for your kids that UNC/otherpublicuniversity can't offer? I was going to mention that factor too. Someone else mentioned it but also be sure to talk with the grandparents about just how much help they are willing and able to provide so t...
by tarheel
Fri Mar 09, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

something that i mightve missed: is the new place offering any sort of college tuition benefit for your kids that UNC/otherpublicuniversity can't offer? ask your current place to match their tuition benefit? the tuition benefits for faculty from private institutions can be enormous. mine plays >50%...
by tarheel
Fri Mar 09, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Fellow academic (and possibly right up the road if your username is your employer and not where you did you training). Some additional things to consider I didn't see mentioned: 1) Hard money vs. soft money? Assume hard in physical sciences, but may not be. I bring up because you mention ease of ge...
by tarheel
Fri Mar 09, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Congratulations on having a tough decision! I'm assuming your outside offer is from a SLAC? If so, figure out their endowment/pockets and how tuition dependent they are. I suspect tuition-dependent schools will be under stress in the coming decades. Also consider their resources for doing research;...
by tarheel
Fri Mar 09, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

How significant is the retention offer from your current university? If your offer from the other school is twice your current compensation, you might well request a fifty percent pay raise. Should that happen, you might consider staying where your other job circumstances are better. Job satisfacti...
by tarheel
Fri Mar 09, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

You might want to talk to the grandparents about it since you seem to think it is a good idea about them helping with the kids as one of your positive points. Make sure it is a positive point for them too. It certainly is. They really want us there - no questions about that one. And they are great ...
by tarheel
Fri Mar 09, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

One more factor to consider... the reason they may be offering aggressive (2x, did you say?) salary is probably because they have good plans for the department. You may be a big fish in the small pond. Being with a department during its growth and be considered responsible for its growth can be an ...
by tarheel
Fri Mar 09, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

djpeteski wrote:
Fri Mar 09, 2018 7:06 am
What does your wife think? I would do that.
Of course, but she could go either way as well. Pros and cons both ways.
by tarheel
Fri Mar 09, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

In short, I am very happy where I am (public university) with an amazing department in my research area (physical sciences) with great colleagues. How many people in academia have this? This is precious. My experience working with academics is that their happiness is in direct proportion to their a...
by tarheel
Fri Mar 09, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

The outside offer is more in the range of 2x. However, I expect the retention package to be significant.

In the end, I bet that we would be very comfortable financially either staying or moving. Probably a bit more money moving though, maybe 15-20%? But cost of living is probably 10% higher there....
by tarheel
Fri Mar 09, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 7120

To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Going to face a big decision this month and I'm asking you all for some advice.... I have an "outside offer", which in academia means while I have tenure another school is trying to hire me away. Nowadays this is basically the only way to get a major raise in academia, and so it is a good thing for ...
by tarheel
Tue Feb 13, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1218

Re: Increased pay versus personal and job satisfaction

I have an opportunity to make 4X my current pay with ~3x more vacation in a lower cost of living city (going from HCOL to MCOL). This entails a move from academics to the private sector. I am mid-thirties, single, with friends and family nearby, and would have none of that in the new location, half...
by tarheel
Tue Feb 13, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 5197

Re: Vanguard US Multifactor Fund

Quickly looked at the prospectus. This fund is nothing like the style premia multi factor fund of AQR. This VG Fund is a long only US stock fund that looks like it will focus on market, momentum, value, profitability. So the dominant factor remains market beta. In contrast AQR Style Premia is a mar...
by tarheel
Tue Nov 28, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 18773

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Unfortunately, for us factor nerds investing in these funds will simply come down to factor exposure versus cost. IMO, it takes at least a couple of years before one can reliably identify the factor loadings of a new fund. Wake me up after three years of results. No doubt these funds won't be said ...