Search found 406 matches

by DoTheMath
Thu Oct 01, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 38
Views: 1418

Re: I need a Ladder—What type to get?

One of those adjustable ones that are a combination of an extension and a-frame? Those things are really heavy and awkward to navigate in the house. I have one, wish I didn't buy it. +1 Those Transformer ladders are less than meets the eye. We have one and find it too heavy and clumsy for most thin...
by DoTheMath
Tue Sep 29, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out refi for a rental property we're re-occupying
Replies: 5
Views: 326

Re: Cash out refi for a rental property we're re-occupying

It seems simplest to do a HELOC (or cash-out refinance) on your current home to fund the renovations, then once you move into the new place, do a cash-out refinance to pay off the HELOC. That would achieve what you want without having to get into gray areas with the mortgage lenders.
by DoTheMath
Tue Sep 29, 2020 12:01 pm
Forum: Personal Investments
Topic: is this market timing? or better
Replies: 24
Views: 1711

Re: is this market timing? or better

Of course it is market timing and historically what you're doing leaves you worse off than just putting it into the market straightaway. At the very least you should calculate for yourself if this has been better or worse than the alternative. When each dollar hit your investment account, you had a ...
by DoTheMath
Mon Sep 28, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 64
Views: 4778

Re: What do Bogleheads think of what happen to Japan?

On the other hand there are periodic reports of lonely seniors renting "fake" adult children to visit them and of others committing non-violent crimes because incarceration is a better financial outcome than their current situation. That's not a bad idea for a warped, worst-case retirement plan! No...
by DoTheMath
Fri Sep 25, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2775

Re: What's your favorite reasonably priced gin?

Death's Door Gin is an excellent gin.
by DoTheMath
Thu Sep 24, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Small Travel Trailer Advise needed
Replies: 44
Views: 2503

Re: Small Travel Trailer Advise needed

you might want to look at prior threads on this topic ( a number recently, due to wanting to stay safe from COVID etc) one trailer that is lightweight that numerous individuals liked was the Casita trailers (but I don't know what price point they are). I do remember that used versions were not avai...
by DoTheMath
Wed Sep 23, 2020 7:15 pm
Forum: Personal Investments
Topic: having a good year; what to do with the money?
Replies: 11
Views: 2328

Re: having a good year; what to do with the money?

Charity?

It is always good to share one's fortune.
by DoTheMath
Mon Sep 21, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: I found a random cord going into my subfloor?!?!
Replies: 13
Views: 1856

Re: I found a random cord going into my subfloor?!?!

An unhelpful, but amusing, story: A friend of mine moved into a new house. The house was 40+ years old and had various mysteries to be sorted out. While up in the attic adding insulation he discovered a thin wire running across the attic. After much investigation, he couldn't figure out what it was ...
by DoTheMath
Thu Sep 17, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Google Voice number
Replies: 15
Views: 1134

Re: Google Voice number

To echo what others have said, I've had a GV number for 15 years and never had trouble. It is the number I give out to anyone who needs to have my cell phone number. It is convenient in various ways to have it be GV number instead of my "real" cell phone number. To answer one of your implicit questi...
by DoTheMath
Thu Sep 17, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What one Book to read about personal finance?
Replies: 40
Views: 2462

Re: What one Book to read about personal finance?

I thought JL Collins "The Simple Path to Wealth" was an easy, accessible read which gives people a good foundation on saving and investing. That is the one I would recommend if someone asked me for a book which was not too technical nor too dumbed down.
by DoTheMath
Fri Sep 11, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6189

Re: Very slow shower drain, plumber couldn't fix, ideas?

I'm in the mood for a new toy/tool Thinking about this, also useful in the OP's case as well. https://www.amazon.com/DEPSTECH-Ultra-Thin-Inspection-Semi-Rigid-Adpater-16-5ft/dp/B0836XWPJH/ref=sr_1_9?crid=18Q7N9OG595R6&dchild=1&keywords=snake+camera+with+light&qid=1599665089&sprefix=snake+camer%2Cap...
by DoTheMath
Fri Sep 11, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Garden Variety Non-stick Frying Pan: Can I use This on an Outdoor Grill?
Replies: 11
Views: 564

Re: Garden Variety Non-stick Frying Pan: Can I use This on an Outdoor Grill?

Teflon starts to off-gas dangerous fumes when it is too hot (over 500 degrees, per the internet) and I would imagine a cheap knockoff is less tolerante. A grill on full blast can get up to 700 degrees without breaking into the proverbial sweat. Even if you are not going full blast, it seems like an ...
by DoTheMath
Thu Sep 10, 2020 5:53 pm
Forum: Personal Investments
Topic: Personal Finance Advice for New PhD
Replies: 26
Views: 2300

Re: Personal Finance Advice for New PhD

Congratulations on finishing the PhD and also saving so much while on a graduate student stipend. I'm a recent PhD recipient as well (one month ago!) and now a postdoc myself - it's great to earn a real salary, huh? Be proud of your efforts and accomplishments. .... Congrats again. Don't worry too ...
by DoTheMath
Thu Sep 10, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner daughter refinance and new spouse home equity rules going forward
Replies: 15
Views: 1319

Re: Homeowner daughter refinance and new spouse home equity rules going forward

IANAL, but it seems like one option would be to have a written agreement granting the existing equity to the OP, and splitting it equally going forward (or some similar agreement). I can understand that for the OP the inheritance was pre-marriage assets which so happens to be locked up in the house,...
by DoTheMath
Wed Sep 09, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6189

Re: Very slow shower drain, plumber couldn't fix, ideas?

I'm in the mood for a new toy/tool Thinking about this, also useful in the OP's case as well. https://www.amazon.com/DEPSTECH-Ultra-Thin-Inspection-Semi-Rigid-Adpater-16-5ft/dp/B0836XWPJH/ref=sr_1_9?crid=18Q7N9OG595R6&dchild=1&keywords=snake+camera+with+light&qid=1599665089&sprefix=snake+camer%2Cap...
by DoTheMath
Wed Sep 09, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6189

Re: Very slow shower drain, plumber couldn't fix, ideas?

There are several possible causes and a competent plumber will be able to troubleshoot them for you and figure out where and how the clog is occurring. You definitely want to get it figured out since pretty quickly you'll have a complete clog and that's a bigger hassle. If there are other drains fu...
by DoTheMath
Wed Sep 09, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3721

Re: Buying Fine Art - advice needed.....

Michael Lewis has a podcast episode on the "authentication" of a new da Vinci painting you would find interesting to listen to:

https://atrpodcast.com/episodes/the-han ... o-s1!7616f
by DoTheMath
Tue Sep 08, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6189

Re: Very slow shower drain, plumber couldn't fix, ideas?

There are several possible causes and a competent plumber will be able to troubleshoot them for you and figure out where and how the clog is occurring. You definitely want to get it figured out since pretty quickly you'll have a complete clog and that's a bigger hassle. If there are other drains fur...
by DoTheMath
Mon Sep 07, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3656

Re: Leaving your job: quitting for good vs sabbatical leave

But that's only if that is really an accurate number. Does it account for periodic large expenses like cars, home repairs, international travel, medical expenses? Have you accounted for health care expenses if you leave your employer? Does it account for the fact that we might go into a covid-19 se...
by DoTheMath
Mon Sep 07, 2020 10:11 am
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2079

Re: ROTH vs. Traditional - How Did You Choose?

My answer has been to do some of both. After college I did a Roth IRA as my tax rate was effectively zero so it was a no-brainer. Now that I earn quite a bit more, I continue with the Roth IRA but do Traditional for the 403b. My thinking is I want some flexibility to manage taxes in retirement by ha...
by DoTheMath
Sun Sep 06, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3656

Re: Leaving your job: quitting for good vs sabbatical leave

If indeed you're annual spending is 2% of your net worth, then financially it doesn't make much difference. You could never work again if you so choose. And getting a lump sum payout or not probably won't move the needle, either. But that's only if that is really an accurate number. Does it account ...
by DoTheMath
Sat Sep 05, 2020 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5996

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

In both cases it sounds like ~10% pay increase for shifting a type of job you won't enjoy and substantially more responsibility. Seems like a raw deal. This isn't my field, but it seems like the better option if and when you want a change would be to look outside the company. It seems like here you'...
by DoTheMath
Fri Sep 04, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Cell phone plan unlimited phone and text, very little data
Replies: 22
Views: 1324

Re: Cell phone plan unlimited phone and text, very little data

I am looking for a cell phone plan that has unlimited phone and text and less then 1 GB of data a month. Any Advice? Paul Thanks for your fast reply. I did notice Xfinity offers $15 a month for unlimited Phone and Text and 1GB a month. This plan is shareable data can work for everyone: yourself, yo...
by DoTheMath
Sat Aug 29, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: First time considering AirBnB or VRBO
Replies: 23
Views: 1651

Re: First time considering AirBnB or VRBO

I read **all** the reviews with a fine-tooth comb. Many people are less picky or more impressed with what I consider to be superficial features, and some others are overly picky [1]. By reading them all I can get a better sense of the property and the of the particular details that are important to ...
by DoTheMath
Wed Aug 26, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3634

Re: Question about Password Managers

If you think your information has never been accessed, you might be surprised. Here's a legitimate website which catalogs email addresses which have shown up in security breaches: https://haveibeenpwned.com Doesn't mean much. Anytime you give out your email address it will post there. Unless they g...
by DoTheMath
Wed Aug 26, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3634

Re: Question about Password Managers

If you think your information has never been accessed, you might be surprised. Here's a legitimate website which catalogs email addresses which have shown up in security breaches:

https://haveibeenpwned.com
by DoTheMath
Mon Aug 24, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3634

Re: Question about Password Managers

To echo what others are saying, you have to investigate the various options and your expected use scenarios and decide which one fits the bill. For example, I use 1password locally (not the cloud based version they push hard now) so for everyday usage, everything happens locally on my computer. Howe...
by DoTheMath
Mon Aug 17, 2020 4:05 pm
Forum: Personal Investments
Topic: Different risk tolerance in the family
Replies: 29
Views: 1765

Re: Different risk tolerance in the family

Hi all! My wife and I have considerably different risk tolerance and while we agree on the general buy and hold philosophy we seem unable to get a portfolio which makes both of us happy. What is your experience and solution for such a situation? Currently we are thinking of maybe splitting our comm...
by DoTheMath
Sat Aug 15, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Pour-Over Coffee maker
Replies: 39
Views: 2436

Re: Pour-Over Coffee maker

I got one a Bonavita immersion dripper for work:

https://bonavitaworld.com/products/wide ... on-dripper

I've been very happy with the coffee it makes.
by DoTheMath
Sat Aug 01, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Science videos for middle school kids
Replies: 16
Views: 703

Re: Science videos for middle school kids

The National Museum of Math has various events and camps online for kids this summer:

https://momath.org
by DoTheMath
Fri Jul 24, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6689

Re: How dead is dead? (USPS mail)

I have the urge to write “return to sender—recipient deceased” so stop sending me mail and, hopefully, take me off the lists that they all share. My concern is that the USPS will read this, think that I am really dead, and, I don’t know, stop sending me my real mail or start sending my real mail ba...
by DoTheMath
Thu Jul 23, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6689

Re: How dead is dead? (USPS mail)

This was years ago so may no longer apply, but in the old days they would include postage-paid envelopes so you could send them a donation. When a family friend got onto the mailing list for his not-preferred political party and they refused to take him off, he started taping their postage-paid enve...
by DoTheMath
Thu Jul 23, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Screened in porch - Yay or Nay
Replies: 41
Views: 3241

Re: Screened in porch - Yay or Nay

On the general idea of a screened-in porch, that will depend a lot on you and your location. How much you use it will effect how worthwhile for you it is. We put one in several years ago and it's been great. The installation itself was a huge headache and at least twice the cost I initially hoped to...
by DoTheMath
Wed Jul 15, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: PhD student with taxable grant question for filing taxes (1099-G, 1098-T, 1099-MISC, 1040 or W-2)?
Replies: 8
Views: 411

Re: PhD student with taxable grant question for filing taxes (1099-G, 1098-T, 1099-MISC, 1040 or W-2)?

You might want to check out http://pfforphds.com. The author is not a professional, but she she has developed some niche expertise in tax issues for grad students.
by DoTheMath
Mon Jul 13, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8911

Re: Helping my nephew out of his rut

This is a very distressing picture. Financial issues are the least of his worries. He should be getting professional counseling to make sure he doesn't become totally lost or broken. I would not try to go it alone in advising him. +100 From what you've said, I think financials are the least of the ...
by DoTheMath
Sun Jul 05, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3354

Re: Spiked Seltzers?

I purchase Spindrift flavored fizzy waters by the case and drink them w/o alcohol more often and occasionally add a splash of quality booze (Russian Standard vodka or a decent gin). +1 on Spindrift. Their flavors are quite different than LaCroix and the others. You'll either like it much better or ...
by DoTheMath
Sun Jul 05, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4647

Re: Device for men's haircuts

With the summer heat and humidity, I decided I couldn't take it anymore. It was either deal with the hassle of getting a haircut or taking the plunge. After some research, I found this: Remington Indestructible Corded Electric Hair Clippers and Trimmer - HC5850 Lots of the units I looked at got mixe...
by DoTheMath
Fri Jul 03, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3354

Re: Spiked Seltzers?

To point out the obvious, if there is a seltzer you already enjoy drinking, adding splash or two of, say, vodka works nicely. This is my SO's preferred MO for summer drink.
by DoTheMath
Wed Jun 17, 2020 7:49 pm
Forum: Personal Investments
Topic: Cash out refi with 100% Equity?
Replies: 64
Views: 3587

Re: Cash out refi with 100% Equity?

I'm not sure I see the point. With an income of 117k/year and no mortgage, it seems you should be able to cash flow 100k in savings in ~3 years. Unless there was a super-compelling investment opportunity only available right now, I don't see the appeal. Investing your money a year or two earlier vs ...
by DoTheMath
Tue Jun 09, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47127

Re: College in fall

Faculty are being asked to do less administrative work that is offloaded to their units - or at least they are not being asked to take on as much additional administrative work as new things (regulations, technology etc) come up. This has not been my experience. Year-by-year the administrative duti...
by DoTheMath
Sat Jun 06, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: DAF -> 501(c)(3) -> Scholarship
Replies: 28
Views: 1131

Re: DAF -> 501(c)(3) -> Scholarship

Your university's development office would be delighted to speak with you. They could run through your options using the approach you describe. They could also offer alternatives that may get you close to what you want. They are professionals and know rules. the tax laws and what methods other dono...
by DoTheMath
Mon Jun 01, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Experience w/ Medical Lab Sciences major in college?
Replies: 5
Views: 480

Re: Experience w/ Medical Lab Sciences major in college?

Knowing no one working in this field, I'm just curious if it's a good major for someone interested in biology for undergrad study and has no plans for grad school. Any personality traits are particularly important to be successful in this field? Thank you. I am assuming this is a major meant for pe...
by DoTheMath
Wed May 27, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8772

Re: Falcon 9 Launch to the International Space Station - Wed. 4:33 PM Eastern

Thanks for the post LG. It's nice to be reminded of what humanity can do when it works together.
by DoTheMath
Mon May 25, 2020 4:52 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1932

Re: Air conditioner stocks

I'm pretty sure I don't understand your line of thinking. I might misunderstand but it sounds like you believe that there will be an increase in the number of installations of AC due to people staying at home this summer. Could you give some examples of where and how this will happen in a significan...
by DoTheMath
Sun May 24, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39358

Re: The axe falls and I am prepared. What's next?

KlangFool, That's a bummer. I'm sure you'd rather be calling your own shots rather than have them forced upon you. But life throws us curveballs. I won't bother with any advice as you have given more thought to this eventuality than almost anyone else here. You've been given grief from time-to-time ...
by DoTheMath
Thu May 21, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Handling student loans during & after COVID-19
Replies: 3
Views: 338

Re: Handling student loans during & after COVID-19

What you're doing sounds like a good plan to me. If I understand correctly, your current position ends in a month or so. Do you have a job lined up for after that? Either way, right now I would put a high value on having a sizable emergency fund. If you're lucky, you may need that money to move for ...
by DoTheMath
Thu May 14, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 6321

Re: Employer cut 403b contribution to zero

I'd go with doing nothing, perhaps with a side of trying to tighten the budget. It is hard to imagine that the cut in contributions will last for more than a couple of years and it sounds like making up those contributions would be a challenge. But this is a good time to be looking to trim spending ...
by DoTheMath
Thu May 07, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Someone filled out a UI form for my Mom..
Replies: 9
Views: 1580

Re: Someone filled out a UI form for my Mom..

I don't know if it is relevant to the OP's situation, but in case anyone else should be in this situation let me mention that my employer's HR said they were just contacted by the state about an UI application filed in my name. I was asked to contact the state's fraud office to let them know this wa...
by DoTheMath
Thu May 07, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2834

Re: Does keeping ice packs in fridge save energy?

From another perspective, you're transferring heat from the fridge to the freezer.
by DoTheMath
Sat May 02, 2020 8:22 pm
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 61
Views: 4236

Re: How long is this profit sustainable as a New Trader?

I'd suggest you read "The Man Who Solved the Market" by Gregory Zuckerman. It is in interesting read. And then think long and hard about your odds of consistently doing better than the market average when there are people like Jim Simons who literally spend billions of dollars a year hiring some of...