Search found 315 matches

by DoTheMath
Sun Nov 17, 2019 2:44 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 71
Views: 4594

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...
by DoTheMath
Wed Oct 30, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3062

Re: VPNs

I have used tunnelbear in the past, considered NordVPN more recently but ended up going with Mullvad. In the end there is always going to be a trust issue with VPNs. For things like streaming, or stuff that will be encrypted anyway like banking, one is pretty much going to be as good as another. I ...
by DoTheMath
Tue Oct 29, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3062

Re: VPNs

Recently NordVPN disclosed a security breach which happened last year: https://arstechnica.com/information-technology/2019/10/hackers-steal-secret-crypto-keys-for-nordvpn-heres-what-we-know-so-far/ While the breach itself wasn't serious, the fact they didn't disclose it for 19 months is concerning. ...
by DoTheMath
Sat Oct 26, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 70
Views: 9851

Re: Advice: Windfall Makes Working Worse Than Not Working

I haven't read through the entire thread, so I'll echo what others are surely saying: you should definitely get expert advice. I have no doubt CA has lots of experience finding ways to get their pound of flesh from Silicon Valley folks who try similar maneuvers. My other suggestion is to look into ...
by DoTheMath
Sat Oct 26, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much deferred maintenance would make you walk away from a home deal?
Replies: 30
Views: 2355

Re: How much deferred maintenance would make you walk away from a home deal?

If a house needed that much deferred maintenance, I would wonder what other issues were not addressed by the owners. We bought and moved into a run down house in a nice area. We had a good idea going in what needed to be done to address the items (which included the items on your list). But we unde...
by DoTheMath
Thu Oct 24, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Question About Academic Scholarships
Replies: 11
Views: 530

Re: Question About Academic Scholarships

Thank you both for the info and the link to that NYT article: "What College Admissions Offices Really Want Elite schools say they’re looking for academic excellence and diversity. But their thirst for tuition revenue means that wealth trumps all." This is what I suspected but must have not used goo...
by DoTheMath
Thu Oct 24, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Question About Academic Scholarships
Replies: 11
Views: 530

Re: Question About Academic Scholarships

It depends, but from what I've seen as faculty, I expect in most cases the university actually receives the money (at least in the sense you probably mean). University budgets are incredibly complicated and siloed in many different ways. It would take forensic accountants to sort out what happens in...
by DoTheMath
Thu Oct 24, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Can I open and contribute to a IRA while receiving financial aid and government assistance.
Replies: 31
Views: 1987

Re: Can I open and contribute to a IRA while receiving financial aid and government assistance.

Welcome! You should feel very good about the fact you're getting things on track. You're still quite young (younger than I was when I started thinking about these things!) and you're smart to be thinking now about saving. The power of compounding is in the time involved, so the earlier the better. A...
by DoTheMath
Thu Oct 24, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 70
Views: 9851

Re: Advice: Windfall Makes Working Worse Than Not Working

I haven't read through the entire thread, so I'll echo what others are surely saying: you should definitely get expert advice. I have no doubt CA has lots of experience finding ways to get their pound of flesh from Silicon Valley folks who try similar maneuvers. My other suggestion is to look into P...
by DoTheMath
Tue Oct 22, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 Plus - upgrading
Replies: 6
Views: 573

Re: iPhone 6 Plus - upgrading

There have been recent rumors that Apple will release a new phone around March which will have the body of an iphone 8 but more modern internals. I don't know if there will be an 8 Plus sized one. I have a 6s and was thinking of going for the 8, but am holding off as this'll be the better option if ...
by DoTheMath
Mon Oct 07, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3704

Re: 2010 Prius totaled.... Now what?

As far as checks are concerned, you will likely get a check for the replacement cost of a 2010 Prius with ~160k miles. Just so you know, in the absence of a special endorsement, all standard insurance companies pay the actual cash value, not the replacement cost of the vehicle. So, arguing that the...
by DoTheMath
Tue Sep 24, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2513

Re: Thought provoking non-fiction for 3rd grader

Take your kid to the local library & ask the children's librarian. Agreed. You'll need to find things which pique his interest, or you'll just end up having the reverse of your desired effect. See the recent discussion of "good" books people hate, often because they were assigned to read them at so...
by DoTheMath
Thu Sep 12, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help
Replies: 45
Views: 5921

Re: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help

In case this wasn't suggested earlier in the thread, one option would be to offer to rent space(s), but only during the season when on street parking is not allowed. That would make it more obvious that it is not permanent and would give you an annual opportunity to change your mind.
by DoTheMath
Sun Sep 01, 2019 9:22 am
Forum: Personal Investments
Topic: Timing considerations of non-governmental 457b rollover
Replies: 25
Views: 1248

Re: Timing considerations of non-governmental 457b rollover

This may be impossible, but since I didn't see it suggested I'll just throw it out there. You could approach your new employer about finding a way to make you eligible on their end for a rollover before the November deadline. For example, presumably you have to be an employee to be eligible, but per...
by DoTheMath
Thu Aug 29, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 1864

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

You can contact Honda directly about the issue. They have more of an incentive to be helpful than the dealership and they can bring pressure to bear if the dealership isn't upholding the warranty. Plus they will have a much more detailed and broader knowledge of issues which have come up with the ca...
by DoTheMath
Thu Aug 29, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Any experience with Trim or Billcutterz?
Replies: 17
Views: 1178

Re: Any experience with Trim or Billcutterz?

Because what is recommended is saying that you are switching providers, and I cannot honestly say that. Many of the service providers are on to this game. The last time I tried this with Verizon, they sent me to the retention department, who proceeded to call my bluff and start the disconnect proce...
by DoTheMath
Mon Aug 26, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8628

Re: Coffee becomes cold too soon

It sounds like you need a coffee warmer:

https://www.amazon.com/slp/coffee-cup-w ... fpg7u9q3rz
by DoTheMath
Fri Aug 23, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: I spend no money so am I over-saving for retirement?
Replies: 54
Views: 5470

Re: I spend no money so am I over-saving for retirement?

hicabob wrote:
Fri Aug 23, 2019 10:42 am
A simple yet sort of deep aphorism I like ...

"The only thing you can do with money is spend it or give it to someone else to spend"

I forget who wrote it but I'm pretty sure it was a boglehead.
Setting it on fire is also an option. :D
by DoTheMath
Mon Aug 05, 2019 6:47 am
Forum: Forum Issues and Administration
Topic: What [do the abbreviations used here] mean...???
Replies: 19
Views: 2699

Re: What does it all mean...???

Is there a glossary somewhere (for newbies) for all the abbreviations that are thrown about by the cognoscenti....? (Just wanted to show that even though i can't decipher certain stanard-issue p 'code' words here, I AM literate......lol.) Some I certainly can figure out, but others....leave me baff...
by DoTheMath
Sun Jul 28, 2019 4:37 pm
Forum: Forum Issues and Administration
Topic: Are only links to and discussion of Larry Swedroe's articles forbidden?
Replies: 14
Views: 1800

Re: Are only links to and discussion of Larry Swedroe's articles forbidden?

Bogleheads is a great community and is a fantastic source of information and discussion. However, like any group of like minded individuals, it already has a tendency towards group think. Anything which discourages (or appears to discourage) reasonable discussion of reasonable topics should be stren...
by DoTheMath
Wed Jul 24, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Visit Taipei, Taiwan or tour smaller towns in Japan?
Replies: 33
Views: 2689

Re: Visit Taipei, Taiwan or tour smaller towns in Japan?

Can I piggyback on this question and ask -- Is Taipei doable alone for someone who doesn't speak Mandarin? Would I be able to figure out where to go and enjoy the country? I didn't look up the comparative number of English speakers, but if you would be comfortable going to Budapest not knowing Hung...
by DoTheMath
Wed Jul 24, 2019 1:20 pm
Forum: Personal Investments
Topic: HSA Bank & TD Ameritrade
Replies: 8
Views: 551

Re: HSA Bank & TD Ameritrade

As an alternative, you could set up an HSA account with Fidelity and transfer your funds to them (rather than TD Ameritrade) for investment. Since I already had an account with Fidelity, this was extremely easy and I could do everything through their website. If you don't have an account with Fideli...
by DoTheMath
Wed Jul 24, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: 403b fees
Replies: 3
Views: 226

Re: 403b fees

If you don't have a satisfactory 403b plan, then you'll have to get your employer to add one:

https://www.bogleheads.org/wiki/How_to_ ... 8b%29_plan
by DoTheMath
Tue Jul 23, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Visit Taipei, Taiwan or tour smaller towns in Japan?
Replies: 33
Views: 2689

Re: Visit Taipei, Taiwan or tour smaller towns in Japan?

+1 for Taiwan. Taipei is a very pleasant city to spend time in. There are also lots of beautiful locations around the island and it would be well worth spending a few of the days visiting some of them.
by DoTheMath
Sun Jul 21, 2019 6:32 am
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 66
Views: 9865

Re: A little discouraged with earnings, is it really this slow?

Here's why the first earnings are so slow - "Charlie Munger: The First $100,000 is a B*tch" https://fourpillarfreedom.com/charlie-munger-the-first-100000-is-a-btch/ See also: https://fourpillarfreedom.com/the-math-behind-why-net-worth-goes-crazy-after-the-first-100k/ The exponential growth curve of...
by DoTheMath
Fri Jul 19, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1435

Re: Transferring HSABank to Fidelity HSA

I'm sure everyone's situation is different, but I had no trouble transferring directly from HSABank to Fidelity by initiating the transfer request on Fidelity's website. Is there a reason you're having to go through TDAmeritrade? i basically read that going through TDAmeritrade was a faster transfe...
by DoTheMath
Fri Jul 19, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Open-source notepad with password encryption
Replies: 25
Views: 1739

Re: Open-source notepad with password encryption

I don't know about other password managers, but 1password lets you store notes and other information in their encrypted vault. Is 1password online like LastPass or offline like Keepass please? Thanks. It keeps everything in an encrypted file on your local computer. In my case I keep that file in my...
by DoTheMath
Fri Jul 19, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 1074

Re: Wiki - How to campaign for a better 403(b) plan

Thanks to Ed and LadyGeek for putting this together. Every teacher should have a low cost provider.

For all teachers do and how little they are paid, the least they deserve is to not get ripped off.
by DoTheMath
Mon Jul 08, 2019 4:28 pm
Forum: Personal Investments
Topic: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help
Replies: 10
Views: 622

Re: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help

I wish more plans allowed a $ amount of deferral rather than a %. +1 To my annoyance, a few years ago my employer switched from $ amount to percentage. It certainly made things less convenient. Why both aren't options, I have no idea. Whispers have it that percentages make it easier for the plan to...
by DoTheMath
Mon Jul 08, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Open-source notepad with password encryption
Replies: 25
Views: 1739

Re: Open-source notepad with password encryption

I don't know about other password managers, but 1password lets you store notes and other information in their encrypted vault.
by DoTheMath
Mon Jul 08, 2019 12:36 pm
Forum: Personal Investments
Topic: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help
Replies: 10
Views: 622

Re: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help

TropikThunder wrote:
Mon Jul 08, 2019 11:16 am
I wish more plans allowed a $ amount of deferral rather than a %.
+1 To my annoyance, a few years ago my employer switched from $ amount to percentage. It certainly made things less convenient. Why both aren't options, I have no idea.
by DoTheMath
Mon Jul 08, 2019 12:30 pm
Forum: Personal Investments
Topic: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help
Replies: 10
Views: 622

Re: Old Job -401K; New Job ORP, 457b, 403b - Confused, Please help

That matches my understanding. For example, Harry Sit has a discussion of 401a plans (which I'm assuming your ORP is) and when they count towards the 401k/403b limit: https://thefinancebuff.com/401a-plan-contribution-limit.html As you wrote, it seems the consensus is if the 401a is non-elective, the...
by DoTheMath
Sat Jul 06, 2019 4:48 pm
Forum: Personal Investments
Topic: 403B and 457 Plan Options
Replies: 12
Views: 874

Re: 403B and 457 Plan Options

Ed, thanks for the clarifications. I agree completely. The correct comparison is the marginal rate for each dollar being saved now vs. the marginal rate when each dollar is being withdrawn. But, as you say, for most people their savings is mostly or entirely at their current top bracket while most o...
by DoTheMath
Sat Jul 06, 2019 1:50 pm
Forum: Personal Investments
Topic: 403B and 457 Plan Options
Replies: 12
Views: 874

Re: 403B and 457 Plan Options

Does your employer offer a defined benefit (aka pension) option? State universities are one of the ever fewer places where this an option. If they do then depending on your circumstances and best guess at future plans, you may want to consider that. Are your investment options the same in the 403b a...
by DoTheMath
Fri Jul 05, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1435

Re: Transferring HSABank to Fidelity HSA

I'm sure everyone's situation is different, but I had no trouble transferring directly from HSABank to Fidelity by initiating the transfer request on Fidelity's website. Is there a reason you're having to go through TDAmeritrade?
by DoTheMath
Fri Jul 05, 2019 2:19 pm
Forum: Personal Investments
Topic: 403b fund questions
Replies: 11
Views: 663

Re: 403b fund questions

Glad to hear you had your question sorted out. Feel free to post more as you dig into things. As others have said, cost basis is irrelevant in a 403b. The 403b is a box which shields your money from taxes. Whatever happens inside that box, the IRS could not care less. So things like cost basis are i...
by DoTheMath
Thu Jul 04, 2019 2:21 pm
Forum: Personal Investments
Topic: 403b fund questions
Replies: 11
Views: 663

Re: 403b fund questions

As you might guess from mcraepat9's reply, we'll need more information to give useful replies. Without knowing the exact funds, the expenses, and more about your overall financial picture it'll be hard to say much of use. The best is to submit a post using the "Asking Portfolio Questions" format and...
by DoTheMath
Fri Jun 28, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: firm large mattress
Replies: 9
Views: 905

Re: firm large mattress

We went to a mom-and-pop local place who makes your mattress to order. In our case we wanted a latex mattress. Latex comes in various densities and the mattress is built up by layering. They were perfectly happy to build the two sides independently to however we wanted it. They also build innersprin...
by DoTheMath
Thu Jun 27, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Package delivery man damaged door
Replies: 55
Views: 4192

Re: Package delivery man damaged door

Are you sure the damage was due to the packages? They would have quite heavy to do the damage you're describing. Especially as corrugated cardboard is forgiving to impacts by design. If you're sure, then I would certainly take photos and file a complaint making it clear you where there and heard the...
by DoTheMath
Wed Jun 26, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 33
Views: 1997

Re: Buying a car out of state

Thanks all. My question about if this makes sense isn't really that there's a state line involved, it's that is 400 some miles away (9 hour drive). The dealership is trying to work a trade in their region which seems to be roughly Ohio and every surrounding state. If they find one that's in transit...
by DoTheMath
Tue Jun 18, 2019 5:57 am
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3920

Re: Extend MacBook Battery Life by plugging in as much as possible?

See here for Apple's discussion of cycle counts and battery life: https://support.apple.com/en-us/HT201585 Apple claims most modern mac batteries have a life of 1000 cycle counts. See also: https://www.apple.com/batteries/maximizing-performance/ Modern batteries are smart and you don't need to worry...
by DoTheMath
Thu Jun 13, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4228

Re: Which shaving cream / oil?

I use Aveeno Therapeutic Shave Gel from Target. Easy to use and works well. Best of all, it is unscented.
by DoTheMath
Tue Jun 04, 2019 6:02 am
Forum: Non-US Investing
Topic: Why house selling prices are generally not public?
Replies: 25
Views: 2053

Re: Why house selling prices are generally not public?

Judging by the responses, in the US house selling prices are in fact public information. I did not know this. They certainly are not public where I live, except for that narrow database. Only realtors have access to the comprehensive selling prices database(s). In the US it varies from state to sta...
by DoTheMath
Mon Jun 03, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Two books coming in.
Replies: 12
Views: 2001

Re: Two books coming in.

Dr. Bernstein was recently on the WCI podcast. You can read/listen his perspective on the books here: https://www.whitecoatinvestor.com/four-pillars-of-investing-bill-bernstein-md-podcast-107/#Investing_for_Beginners I've read the Manifesto but not (yet!) Four Pillars. I thought the Manifesto was gr...
by DoTheMath
Sun Jun 02, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: any other post-docs on here? (or former post-docs?)
Replies: 51
Views: 6234

Re: any other post-docs on here? (or former post-docs?)

I'm a tenured faculty member in a non-lab STEM field at an R1 university. I was a post-doc for four years before landing a tenure track job. This is pretty typical in my field. There was a big opportunity cost and there's plenty to complain about, but all-in-all it's a pretty great job. But I've als...
by DoTheMath
Fri May 31, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2714

Re: Home buying

That's a pretty small list after a 6 hour inspection on a 50 year old house, IMO. Seems like a pretty nice place! I'd ask for the sell to fix the leaks and the non-functioning AC unit, or adjust the price accordingly and call it good. The rest sounds like you can live with it, fix later, or about t...
by DoTheMath
Fri May 24, 2019 7:32 pm
Forum: Personal Investments
Topic: Newbie - Thank you!
Replies: 6
Views: 740

Re: Newbie - Thank you!

Welcome! Don't hesitate to post when you have questions or suggestions!
by DoTheMath
Thu May 23, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2698

Re: Grad school financing - hard sciences

Your recollections still apply. In the hard sciences at a reasonably good research university, nearly every graduate student is supported through some combination of teaching, faculty grants, graduate fellowships, and the like. The only exception I am aware of are specialized programs designed for p...
by DoTheMath
Wed May 22, 2019 8:43 pm
Forum: Personal Investments
Topic: HELP!!! 401k/403b questions....
Replies: 12
Views: 824

Re: HELP!!! 401k/403b questions....

I don't think I quite understand the structure of your university's plan. What makes sense to me is if when you said 401k you meant 403b, and that "along side" just meant that for internal accounting purposes they have your 403b divided into two accounts: one which has their contribution and your re...
by DoTheMath
Sat May 11, 2019 5:49 am
Forum: Personal Investments
Topic: Time to fire the financial assistant. Help me with the courage.
Replies: 41
Views: 4394

Re: Time to fire the financial assistant. Help me with the courage.

In these sorts of conversations I find it really useful to keep in mind that I do not need and should not try to convince the other person this is the right course of action. In short, I do not need to explain myself. Trying to do so only draws me in to discussions/arguments where I feel like I have...