Search found 236 matches

by DoTheMath
Tue Oct 30, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about 403b investment options
Replies: 10
Views: 540

Re: Questions about 403b investment options

Welcome! You're getting great advice. If you take the time to write a post following the suggested format: https://www.bogleheads.org/wiki/Asking_portfolio_questions , people will be happy to give you more detailed feedback which suits your specific situation. if you have loans, for example, some ad...
by DoTheMath
Tue Oct 30, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6235

Re: Anyone else feel giddy every time VXUS gets creamed?

I don't get "giddy" at a falling market, as a falling market can have negative impacts on the economy and individuals. If the market continues to crater, your job may disappear, which would likely prevent any more equity purchases. I do see the falling market as a silver lining, and am glad that my...
by DoTheMath
Tue Oct 23, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2364

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

My wife would take full maternity leave which is 12 weeks and then return to work full time. She did that with our 2 year old. They didnt ask about her pregnancy but it will show in a few weeks. The sooner she starts the job - the better, in my opinion. I thought six weeks was the "normal" maternit...
by DoTheMath
Sun Oct 14, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2084

Re: Bed bug problem attack plan

"I say we take off and nuke the entire site from orbit. It's the only way to be sure." -Ripley
by DoTheMath
Fri Oct 12, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9878

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I think it comes down to whether you are passionate about that kind of work, etc.. Between my spouse and I, we teach at public school, a university, and a community college (per course). We've been doing it for years and love our jobs...and they are second careers...we hated our higher paying jobs....
by DoTheMath
Fri Oct 12, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9878

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Part time or full time, whichever tickles your fancy. Also it doesn’t necessarily have to earn $1000/month. It could be more or less, as long as it’s not zero. Personally, I think I would enjoy being a teacher, but haven’t really thought about this in depth, so I figured I’d ask all of you :) Depen...
by DoTheMath
Sat Oct 06, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4837

Re: Sellers remorse - selling business

You can sell and pocket the money and start the next episode after 2 years...everybody happy. Well, to read too much into the OP's situation, it sounds like the wife would like him to not work. I know my mother was annoyed my father picked up a part-time job 6 months after retirement and would grum...
by DoTheMath
Wed Oct 03, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8584

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

+1’s to everyone. Thank you all for your tough love and great advice so far. Welcome to BH! As you have discovered, there is a lot of smart people willing to share their wisdom. Please keep reading posts. It can seem overwhelming at first but, like Ladygeek posted earlier, it really comes down to a...
by DoTheMath
Wed Sep 05, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6908

Re: Playing with Callan's periodic tables of investment returns

Here is a packaging of my Callan Table Calculator spreadsheet. Please download it here, and use a reasonably recent version of Excel: https://drive.google.com/uc?id=1-EZIwGVBNLRvRpfkYYyCKk7bTOWQmKYy&export=download The 'README' tab provides instructions. Those of you used to the Simba backtesting s...
by DoTheMath
Wed Sep 05, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4012

Re: 401k Help. They are removing index funds.

Thanks all. My wife wasn't comfortable being as confrontational as I wanted to be. I can get overly emotional about these sorts of things. And I know emotion has no place in long-term investing. Looks like she's going with this: "Thank you for the prompt response. I really appreciate you help with ...
by DoTheMath
Fri Aug 31, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6908

Re: Playing with Callan's periodic tables of investment returns

siamond wrote:
Thu Aug 30, 2018 3:53 pm
Once I'm fully set on a couple of formats, if there is enough interest, I'll probably share a spreadsheet with instructions on how to generate such 'Callan' charts by yourself.
Please do.
by DoTheMath
Thu Aug 09, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: HBO Hard Knocks Clip - Compound Interest Clip
Replies: 10
Views: 1407

Re: HBO Hard Knocks Clip - Compound Interest Clip

Here's a youtube version of the clip: https://youtu.be/8cuKHlAnQW4

ETA: And here's a great follow-on interview with Steve Smith Sr. https://youtu.be/TpD5tBrvGJ0
by DoTheMath
Wed Jul 11, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3685

Re: Car totaled by uninsured driver

As another data point, when I was in an accident with an uninsured motorist, my insurance company covered the loss of my car. They planned to go after the other driver for what they had paid me. They said they would add the deductible I had paid to the claim so that I could get that money back as we...
by DoTheMath
Tue Jul 10, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2807

Re: Prepaid cell phone plan vs Regular Contract Plan

There are a couple of orthogonal issues to consider. The first is which network you would like to be on. This is definitely a YMMV situation. Depending on where you live and travel, one or another provider may be acceptable or not. As others have mentioned, Verizon and ATT generally have better cove...
by DoTheMath
Tue Jul 10, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: perpetual home insurance?
Replies: 7
Views: 971

Re: perpetual home insurance?

I had never heard of this before. It's very interesting, thanks for bringing it up! Is this something you could roll into your mortgage? My guess is no, but on the other hand, from the bank's perspective it would be somewhat secured by the insurance company, so maybe wouldn't be a ridiculous thing t...
by DoTheMath
Thu Jul 05, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7538

Re: Walking Coast-to-Coast

Well done! I'm impressed. I hope you feel a great sense of satisfaction for your accomplishment.
by DoTheMath
Sun Jun 24, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1493

Re: Retirement Fund Help with TIAA-CREF

Thanks for updating your original post. It looks to me that you are in really good shape for your age. A healthy emergency fund, a reasonable mortgage, a mid-six figure portfolio, and healthy annual contributions. Having all this at age 31 is something to proud of. It is still not clear to me why so...
by DoTheMath
Sun Jun 24, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 2033

Re: Thoughts on Canadian Universities

I agree that this would be an excellent option. Canada has excellent universities (not at the level of the very best US schools, but it sounds like those are off the table already). I wouldn't hesitate to send my kids to one. I can't imagine a realistic situation where a degree from a comparable Can...
by DoTheMath
Wed Jun 20, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1493

Re: Retirement Fund Help with TIAA-CREF

Welcome! It will be difficult to give much in the way of useful advice without knowing more information. I'd suggest editing your question to include the information suggested here: https://www.bogleheads.org/wiki/Asking_portfolio_questions . Generally speaking, I'm a big fan of target date funds. T...
by DoTheMath
Sun Jun 17, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 61
Views: 3685

Re: Contribute to both 403(b) and 457(b)?

The employer contributes about 12% without the employee having to contribute anything. I think this was also part of the reason, why i backed off from contributing from my side, apart from not wanting to put "my money" at risk. :| This is looking more and more to me like a pension plan. See if you ...
by DoTheMath
Sun Jun 17, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 61
Views: 3685

Re: Contribute to both 403(b) and 457(b)?

The employer contributes about 12% without the employee having to contribute anything. I think this was also part of the reason, why i backed off from contributing from my side, apart from not wanting to put "my money" at risk. :| This is looking more and more to me like a pension plan. See if you ...
by DoTheMath
Wed Jun 13, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2967

Re: Trade-up my $89 Walmart bike

I'm an avid cyclist. A nice bike makes a huge difference in terms of ride quality, comfort, durability, and maintainability. I do not order bikes online unless I have ridden that exact model and know it fits. All bikes fit different. Gym memberships cost anywhere from $10-$150 per month, and mainta...
by DoTheMath
Fri Jun 08, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Should i continue my investments even with low savings?
Replies: 5
Views: 905

Re: Should i continue my investments even with low savings?

Welcome! I have to disagree with you, though. Saving $8,000 and having no debt at age 18 is an impressive start. Certainly better than most of us did at that age! You're also smart to be asking questions here. While it is true that your returns on your investments are going to seem small right now, ...
by DoTheMath
Wed Jun 06, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Mobile Fax
Replies: 8
Views: 938

Re: Mobile Fax

There is the Genius Scan app for the Iphone. I use it to generate pdf files of documents when I need to email them to someone. For a fee they also also you to fax them. It works reasonably well.
by DoTheMath
Thu May 31, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: College Laptop Security lock
Replies: 12
Views: 1011

Re: College Laptop Security lock

I wouldn't bother. Like cellphones, laptops are ubiquitous on a college campus and unless he has some super high end model, there is no reason to think he'll be a target. Heck, the latest iphone is the price of a decent laptop and phone theft isn't a particular worry these days. The main thing is to...
by DoTheMath
Tue May 29, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1527

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

As far as your parents go, let them be. They seem to think its important. Let them have their way. thanks for the info; certainly something for me to consider when I get to that stage in life and I think you may be right about letting them have their way. I think most people of this forum could pro...
by DoTheMath
Sun May 27, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Vacation Rental Question
Replies: 5
Views: 860

Re: Vacation Rental Question

Yes. I've had some luck in requesting discounts on homeway/vrbo type rentals when it is last minute.
by DoTheMath
Tue May 22, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Transfer???
Replies: 11
Views: 1085

Re: 403(b) Transfer???

The people to talk to are your new providers. They will have every incentive to make it easy for you to roll your money over into your accounts with them. I did this to move money from TIAA-CREF to Vanguard by working with the Vanguard folks. While on the phone with me they did a conference call wit...
by DoTheMath
Sun May 20, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: 457: Trad or Roth?
Replies: 14
Views: 909

Re: 457: Trad or Roth?

Welcome! To reiterate what retiredjg said, you shouldn't stress about this too much. In the universe of possible outcomes, I don't consider it a big deal if you end up paying more in taxes than you might have otherwise. All it really means is you did everything right, just maybe not as perfectly as ...
by DoTheMath
Thu May 17, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Create a shareable calendar for iOS and Android?
Replies: 13
Views: 1211

Re: Create a shareable calendar for iOS and Android?

Suggesting people download the Google calendar app is easiest, but isn't necessary. Most calendar apps (e.g. the built-in iOS calendar) can be set to sync with a Google calendar. I would provide a link so that folks can open the calendar in a browser, as well as a link to instructions on how to down...
by DoTheMath
Wed May 16, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 17
Views: 1742

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

Being a BH deep down inside I feel gypped when I travel Business Class, but given my age, mid 70s, I now resign to being ripped off. Context: Myself and DW have an intercontinental trip coming up and have already coughed up $10k just for the long flight legs in Business Class. Missing leg is a dayt...
by DoTheMath
Mon Apr 23, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Old job 403b New job 401a
Replies: 7
Views: 470

Re: Old job 403b New job 401a

Also, if you have a 457b, then there are significant differences in the governmental and non-governmental versions. And there are also differences from employer to employer on how these plans are actually implemented. For example, as was mentioned, you may or may not have the option to use a Roth (i...
by DoTheMath
Mon Apr 23, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Old job 403b New job 401a
Replies: 7
Views: 470

Re: Old job 403b New job 401a

Old: Currently, I invest in my employers 403b voluntarily (with no match) through Fidelity. This year I have contributed $4500 in pre-tax and $2000 post tax. New: I am going to start a new job this summer.The new employer offers a 401a (with match, yay!). I don't know too much about 401a, but seems...
by DoTheMath
Wed Apr 11, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 5087

Re: Vanguard vs TIAA

The funds available from all three companies are good and low cost. From your post, I gather that you are a beginner. I suggest that you leave everything at TIAA for now, take a year to read more about investing and cost, and make a decision in one year. +100 Your first priority is to stop, take a ...
by DoTheMath
Thu Apr 05, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 8293

Re: Asking for a raise/promotion with another offer in hand

I don't have anything to add except to say congratulations! Either way, it sounds like you'll be much better off. I am also struck by the stark difference between this discussion and the one about an outside offer in academia: https://www.bogleheads.org/forum/viewtopic.php?t=243809 They are truly tw...
by DoTheMath
Sun Mar 25, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Hobby Property for "tinkering"
Replies: 14
Views: 2181

Re: Hobby Property for "tinkering"

A friend of mine has such a property out on the edge of town. He bought his as a FSBO and found it on craigslist. Since it's a "what you see is what you get" sort of thing, it is pretty low risk as far as real estate purchases go. I would guess that this sort of property is frequently sold as a FSBO...
by DoTheMath
Thu Mar 22, 2018 12:58 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: 8239

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. It sounds like the salary...
by DoTheMath
Thu Mar 15, 2018 8:06 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: 8239

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 DoTheMath
Mon Mar 12, 2018 10:05 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: 8239

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 DoTheMath
Mon Mar 12, 2018 9:01 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: 8239

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 DoTheMath
Mon Mar 12, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Android (4.3)--app lockers and lending?
Replies: 5
Views: 399

Re: Android (4.3)--app lockers and lending?

I'd probably just do a backup of the phone to my computer, do a factory wipe of the phone before giving it to my friend, and then use the backup to revert the phone to its previous state once I had it back. There may be more surgical approaches, but a wipe is the simplest method. On an iphone, at le...
by DoTheMath
Sat Mar 10, 2018 7:48 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: 8239

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 re...
by DoTheMath
Wed Mar 07, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: The Illusion of "The Long-Term Average" in Investing
Replies: 61
Views: 8703

Re: The Illusion of "The Long-Term Average" in Investing

Thanks for the thought provoking post and discussion! It helped kick away some mental crutches I was only half aware I was using.
by DoTheMath
Fri Mar 02, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle: Hourly financial planning
Replies: 44
Views: 5502

Re: Side Hustle: Hourly financial planning

It sounds like you might be more interested in being a financial coach:

https://www.kitces.com/blog/financial-c ... ecome-one/
by DoTheMath
Mon Feb 26, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6610

Re: 3 layers of roof. Pull my offer??

When we bought our house it had 3 layers. Our insurance company wouldn't insure the house without replacing it. They don't hold up well and are prone to failure. If I recall correctly, the insurance company agreed to give us 6 months to replace the roof and have their inspector confirm it, or they'd...
by DoTheMath
Tue Jan 16, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 4209

Re: Considering PhD...but so much to consider...

The real question is what you'd like to be doing in 10 years and why. I would look to model yourself on people who now have jobs similar to what you would like to have in the future. If the goal is to increase your earning potential and career opportunities, then there are much less arduous ways the...
by DoTheMath
Mon Jan 08, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9303

Re: Are Password Managers Really Necessary?

My "password manager" is a piece of paper with my various usernames and passwords written on it. This is folded over once (my version of encryption) and tucked in a drawer with a bunch of boring paperwork in it. Pro: I don't have to worry about the security of the algorithm, or unknown back door vu...
by DoTheMath
Sun Dec 17, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: The M in STEM -- Math Activities for Elementary Kids
Replies: 11
Views: 1442

Re: The M in STEM -- Math Activities for Elementary Kids

You might be interested in the Global Math Project: https://www.explodingdots.org . This year was their first year of an annual event. They built an entire sequence of activities around Exploding Dots. If I were to do it live with kids, I'd think about making it hands on with poker chips (possibly o...
by DoTheMath
Sat Dec 09, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 1010

Re: How to lead a horse to (boglehead) water?

In addition to "If You Can" I would share a link to MMM and his article on the math of early retirement: http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ MMM's writing style is more likely to speak to a young person than most of the stuff that's out there...