Search found 364 matches

by DoTheMath
Mon May 25, 2020 4:52 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 17
Views: 863

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: 284
Views: 19310

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: 275

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: 85
Views: 5567

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: 1548

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: 2696

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: 55
Views: 3061

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...
by DoTheMath
Sat May 02, 2020 7:39 pm
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 55
Views: 3061

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 ...
by DoTheMath
Tue Apr 28, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 33
Views: 2592

Re: Coffee Experts - Help with an online coffee order

Do they offer grounded version vs whole bean ? I don't have a grinder and I cant take the whole bean pack to Costco for grounding, given the pandemic Please let me know - thanks! I recently ran across Sleepy Monk Coffee: https://www.sleepymonkcoffee.com The run $14-15/pound, the coffee is excellent...
by DoTheMath
Tue Apr 28, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: House Siding for MN - LP / Hardie / Steel?
Replies: 12
Views: 1056

Re: House Siding for MN - LP / Hardie / Steel?

We're in the southern plains and put Hardie on our house. We've been very happy with it. It's been on the house for ~10 years and looks pretty much brand new. We went with a factory paint color and was guaranteed not to need repainting for 15 years (if I recall correctly), and it seems to be holding...
by DoTheMath
Tue Apr 21, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27864

Re: College in fall

Sounds like for now Purdue plans on resuming in the Fall. https://www.purdue.edu/president/messages/campus-community/2020/2004-fall-message.php?_ga=2.189831979.1299840481.1587517622-294925981.1587517622 Interesting! We'll see if they can stick to it. Fresno State (I think) is already said they expe...
by DoTheMath
Tue Apr 21, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27864

Re: College in fall

How are kids living in dorms and going to class any different than everyone else living in apartments and going to work? I would guess the interactions between students who are living in dorms and sharing eating, exercising, and classroom facilities is quite a bit more. But in any case, the real dr...
by DoTheMath
Tue Apr 21, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27864

Re: College in fall

I wonder if all schools will take a similar approach or if some will decide to open and others not? If so, I wonder if there will be a movement of students towards schools opening their campus? I know a lot of people are sitting on acceptances and schools are pushing back the date you have to commi...
by DoTheMath
Tue Apr 21, 2020 7:11 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27864

Re: College in fall

Our DD has just declined several funded PhD offers for the fall. It isn't 100% due to this uncertainty, but it did play a significant role in her decision making process. It sounds like many schools really had disruptions in the grad school acceptance processes due to the virus as well. Anecdotally...
by DoTheMath
Mon Apr 20, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 33
Views: 2592

Re: Coffee Experts - Help with an online coffee order

I recently ran across Sleepy Monk Coffee:

https://www.sleepymonkcoffee.com

The run $14-15/pound, the coffee is excellent and shipped within a day of roasting. The one-pound packages are sealed (with one of the little off-gassing valves), so should keep pretty well.
by DoTheMath
Mon Apr 20, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1582

Re: Stimulus Charity?

One more suggestion is local animal shelters. Many are seeing a surge in abandoned animals. I've heard far more stories about animal shelters being cleaned out by people adopting new pets.....nothing else to do but raise a new dog. Which is good. But yes, I'm sure the opposite is also happening. I'...
by DoTheMath
Mon Apr 20, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: US deficit and Traditional vs Roth tradeoff
Replies: 1
Views: 222

Re: US deficit and Traditional vs Roth tradeoff

I can remember in the early 90s talk of unsustainable deficits, a looming debt crisis, and the inevitability of increased tax rates. Yet here we are 30 years later and tax rates have only gone down. In the last decade, we've gone from Tea Party protests to talk of MMT, "money printer go brrrr" memes...
by DoTheMath
Thu Apr 16, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer..Bigfoot, Oliver, Escape
Replies: 18
Views: 1382

Re: Travel Trailer..Bigfoot, Oliver, Escape

I don't own one myself, but my understanding is that all three brands are high quality and well-liked by their owners. I would think it would mostly come down to personal preference in terms of layout, available options, etc. My only other suggestion is to consider the tow vehicle and trailer as a p...
by DoTheMath
Thu Apr 16, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1582

Re: Stimulus Charity?

One more suggestion is local animal shelters. Many are seeing a surge in abandoned animals.
by DoTheMath
Wed Apr 15, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Apple Released a New Low-cost Iphone

Since from time to time there are discussions about getting a new Iphone on the cheap, I thought some folks might be interested in the new Iphone SE which was released today. It's basically an Iphone 8 but with upgraded internals and starts at $399. It looks to be a really good deal for those who do...
by DoTheMath
Tue Apr 14, 2020 10:56 am
Forum: Personal Investments
Topic: VGT vs VTI
Replies: 36
Views: 2374

Re: VGT vs VTI

I am 40 years old, have about $445K invested and about $65K left on our mortgage. The problem is our household income is low <$40K, so I don't have a lot of new money to invest. Well done! You are in a very good financial position for your age. You should remember to stop and congratulate yourself ...
by DoTheMath
Mon Apr 13, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

If nothing else, you can point the fire marshal to this discussion to explain why you had 15 gallons of gas sitting around in your garage :D .

Unless, of course, this is the part of your plan where you're establishing your alibi :D :D .
by DoTheMath
Fri Apr 03, 2020 5:10 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 125
Views: 9409

Re: Do you want to own the whole haystack when someone has a blowtorch?

Sure, if you have good reason to think you have knowledge ahead of the market, then knock yourself out. Although keep in mind that for it to work out profitably for you, the market has to come around to your thinking and do so in a timely manner. I'm curious as to why you believe Ford and GM are ob...
by DoTheMath
Fri Apr 03, 2020 12:45 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 125
Views: 9409

Re: Do you want to own the whole haystack when someone has a blowtorch?

I feel I have as a physician very specific epidemic knowledge ahead of the market. This sounds like insider trading. If as a physician you have access to non-public information, like the success or lack thereof of clinical trials used to treat disease, and are trading based on that non-public infor...
by DoTheMath
Fri Apr 03, 2020 12:41 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 125
Views: 9409

Re: Do you want to own the whole haystack when someone has a blowtorch?

Sure, if you have good reason to think you have knowledge ahead of the market, then knock yourself out. Although keep in mind that for it to work out profitably for you, the market has to come around to your thinking and do so in a timely manner. I'm curious as to why you believe Ford and GM are obv...
by DoTheMath
Tue Mar 31, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4654

Re: Tipping in new reality?

I'm tipping way more generously to delivery drivers. What was previously a side-gig for many drivers is now likely their only source of income. An extra 10 or 15 dollars doesn't mean much to me but it can go a long way to help support some one struggling to pay the bills. Not to mention they are pu...
by DoTheMath
Mon Mar 30, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27864

Re: College in fall

The short answer is, like everyone else, colleges and universities are scrambling to be ready for whatever comes next. I am at a large state school and nobody knows if we'll have in-person classes this fall. Our budget folks are making three plans, one for in-person classes resuming in the fall, one...
by DoTheMath
Fri Mar 27, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2359

Re: Leaky kitchen sink in middle of Pandemic

We have also have a leaky kitchen sink and a garage door we need fixed, that normally I would have immediately called a serviceman to address. We've agreed that neither is an emergency so we are putting it off for the time being. We're having our guy come out, it's a BAD leak and we will not be abl...
by DoTheMath
Thu Mar 26, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Zoom, Skype or Google Hangouts for limited use?
Replies: 8
Views: 643

Re: Zoom, Skype or Google Hangouts for limited use?

For one-on-one chats any of those are fine. As others have said, Zoom has become popular recently. Larger organizations have mostly gone to Zoom, so it is more familiar to some folks. It has lots of features, but you don't need to learn them if you don't need them. It works well if you have group me...
by DoTheMath
Wed Mar 25, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: Anyone have success buying something to prevent Sleep apnea/COPD?
Replies: 11
Views: 659

Re: Anyone have success buying something to prevent Sleep apnea/COPD?

Sleep apnea can be quite serious. It can lead to heart issues, for example. It's not just about snoring and a lack of sleep. You absolutely should go to a doctor who specializes in this area and not rely on self-treating.
by DoTheMath
Tue Mar 24, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: College, pick rank #5 for 34k or #24 for 16k
Replies: 20
Views: 2031

Re: College, pick rank #5 for 34k or #24 for 16k

Option 2 by a country mile. Rankings are based on many things that have little to do with the quality of the education a student receives. They aren't meaningless, but I wouldn't give the rankings too much weight. Moreover, these two schools are close in the ranking. Certainly, the effort the studen...
by DoTheMath
Mon Mar 23, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: A Call For Compassion
Replies: 58
Views: 4646

A Call For Compassion

Many, many, many people are posting about how they are getting out of the market. It may be under the guise of rebalancing, market-timing, locking in past gains, "this time is different", what they "know" will happen in the coming weeks, or just plain fear. I am heartened by the number of BHers who ...
by DoTheMath
Sun Mar 22, 2020 6:24 am
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 17801

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

You may be right and you may be wrong, but you are gambling. Neither you nor I have the ability to know what "The Stock Market" will do next week, because there is too much information for any one person to know and understand. If you think you can, you're wrong, even if you make the right bet. You...
by DoTheMath
Sat Mar 21, 2020 8:52 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 17801

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

So here's what I just did, I cancelled the "Sell" transaction in Vanguard. It's Saturday anyway and it wasn't going to be processed until end of day on Monday. So I cancelled it and I'm going to hold and just keep riding it. .... So I'll stay the course. Maybe that's why I posted on here. I needed ...
by DoTheMath
Wed Mar 18, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: How can bogleheads help during this crisis?
Replies: 20
Views: 1273

Re: How can bogleheads help during this crisis?

I am planning to up our donations to local food pantries, homeless shelters, pet shelters, and the like as I expect they will be under severe strain in the coming weeks and months. Even more locally, another thing to do is to reach out to the elderly and other at-risk people in your neighborhood and...
by DoTheMath
Sat Mar 14, 2020 7:11 am
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14304

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

Stay humble. This isn’t even close to being done with. So you're a market timer? You know stocks will continue to go down? Having an opinion about the future is not market timing. Market timing is when you change your portfolio because you think you know the future. +1 As to the OP's question, no t...
by DoTheMath
Fri Mar 13, 2020 7:53 am
Forum: Personal Investments
Topic: Need wisdom - caught by timing
Replies: 6
Views: 632

Re: Need wisdom - caught by timing

Ouch, that's bad luck! Sorry to hear that your plan to make what sound like sensible changes to your finances were so rudely interrupted. I agree with others that since you don't need the money immediately (2 years to retirement, 6+ years of available living expenses), I would wait. All the turbulen...
by DoTheMath
Mon Mar 09, 2020 6:26 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296688

Re: Coronavirus and the market

Reading through all of these posts...is the general consensus to sell all stocks? If it is, this isn't Bogleheads anymore. Look, you should ALWAYS be prepared for stocks to crash 50% or more. Because they might. The risk is never zero. You don't wait for them to start crashing, and THEN decide, oh ...
by DoTheMath
Sat Mar 07, 2020 12:25 am
Forum: Investing - Theory, News & General
Topic: Toilet Paper Hoarders = Shoeshine boy stock tips?
Replies: 41
Views: 2759

Re: Toilet Paper Hoarders = Shoeshine boy stock tips?

Watty wrote:
Fri Mar 06, 2020 10:30 pm
Deciding to buy the extra toilet paper or not is pretty much a crapshoot.
I see what you did there. :wink:
by DoTheMath
Thu Mar 05, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Refi - walk me through this pls
Replies: 34
Views: 2411

Re: Refi - walk me through this pls

OP, Have you looked into a 20-year mortgage? When we bought our house they were at the sweet spot for us of having an interest rate nearly the same as a 15 year, but with somewhat lower payment so that we'd have more flexibility in our monthly payment (ie. we could pay more if we wanted, but weren't...
by DoTheMath
Tue Mar 03, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: My data doesn't match the consensus. What am I missing?
Replies: 44
Views: 2633

Re: My data doesn't match the consensus. What am I missing?

Thank you all very much for all the informative responses. I now see the pieces that were missing from my analysis, which is exactly the outcome I hoped for and expected. This post was really meant to help me understand and to convince me to make the change, not so much to prove anything to my FA. ...
by DoTheMath
Sun Feb 16, 2020 8:20 pm
Forum: Personal Investments
Topic: State Pension Plan vs. Investment Plan (Need Advice)
Replies: 30
Views: 1842

Re: State Pension Plan vs. Investment Plan (Need Advice)

I faced that decision 30 years ago. In the end I decided to opt for the 401/403 investment plan. In retrospect I would probably have been better off with a combination of pension and private savings. I did not know then that I would work in the same place for 30 years. I do not regret my decision. ...
by DoTheMath
Sun Feb 16, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10017

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Not everyone agrees with the strategies Paul advocates, but that's OK. One goal of the podcast is to offer different opinions from our guests, and that's why I asked Paul to be on the show. Thanks for listening! Rick Rick, I look forward to listening to the podcast. I find it interesting and useful...
by DoTheMath
Fri Feb 14, 2020 6:55 pm
Forum: Personal Investments
Topic: State Pension Plan vs. Investment Plan (Need Advice)
Replies: 30
Views: 1842

Re: State Pension Plan vs. Investment Plan (Need Advice)

I faced that decision 30 years ago. In the end I decided to opt for the 401/403 investment plan. In retrospect I would probably have been better off with a combination of pension and private savings. I did not know then that I would work in the same place for 30 years. I do not regret my decision. ...
by DoTheMath
Thu Jan 23, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5795

Re: Subaru Outback engine stop/start

why are people so adverse to this feature? Just because "it's different"? I'm so confused why this is such a big turn off. Agreed. I don't get all the hate. My car has this feature and I don't mind it at all. In fact, it is a positive. I'll look for it in my next car. Why have the engine run while ...
by DoTheMath
Thu Jan 09, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2182

Re: Firm mattress recommendations

Do you have a mattress manufacturer in your vicinity? It might be best to visit and have one built to your firmness desire. We have 2 local manufacturers. You can go in and try out all the mattresses. .... You could also look at a custom 3 or 4 layer "firm" mattress from Sleeping Organic. All latex...
by DoTheMath
Sat Jan 04, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: VPN
Replies: 6
Views: 683

Re: VPN

Probably not. VPNs require either software to be installed on the computer or a browser add-on. I can't imagine the library will let you do this on their computers. And if they did, then this would be a huge red flag. If they are that lax about letting people put possibly sketchy things on their com...
by DoTheMath
Sat Jan 04, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Small Group Tour Operators in Japan & Vietnam/Cambodia
Replies: 14
Views: 684

Re: Small Group Tour Operators in Japan & Vietnam/Cambodia

My parents have taken several tours with Friendly Planet and have always been happy with the experience. They did a best of Vietnam and Cambodia tour with them a few years ago and quite enjoyed it.
by DoTheMath
Tue Nov 19, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Black Friday VPN deal
Replies: 3
Views: 649

Re: Black Friday VPN deal

I found this site to be a good baseline reference when researching VPNs:

https://thatoneprivacysite.net/

For example, according to the above website, Ivacy is based in Hong Kong. I'll let you judge if that is a potential concern in light of recent events in HK.
by DoTheMath
Sun Nov 17, 2019 2:44 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 5545

Re: How to combine finances with your spouse? Recently married/early30s

There are many different ways to arrange your finances. As long as it is mutually agreeable between you and your spouse, do what works best for you and ignore all the naysayers who claim there is only one right way to do things. +1 As you'll see from this thread once you look past all the Judgy McJ...