Search found 259 matches

by DoTheMath
Thu Apr 18, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5294

Re: Bogleheads privacy warning

I probably shouldn't discuss the elaborate system of booby-traps I have at my house, then. :-)
by DoTheMath
Mon Apr 15, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: Note on Curious Relations of Stock Market Capitalization and GDP
Replies: 5
Views: 552

Re: Note on Curious Relations of Stock Market Capitalization and GDP

Thanks! That's very interesting. One common discussion point in the US vs. the World threads is how much of certain countries economies are available on the capital markets (e.g. China vs. the US). It is helpful to have data on this to look at. Regarding Hong Kong, a question/speculation which comes...
by DoTheMath
Fri Apr 12, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6046

Re: Ingenious Way To Find Reasonably Priced Painter

How is it nobody suggested that people might be willing to pay for the privilege of painting the OP's house?

For example, see here: https://en.wikipedia.org/wiki/The_Adven ... Tom_Sawyer

:happy
by DoTheMath
Tue Apr 02, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5216

Re: Help on Women and Investing

A very good podcast especially, but not only, for younger women is The Fairer Cents: https://thefairercents.com
by DoTheMath
Fri Mar 29, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: Does a Roth IRA Solve the "Taxflation" Problem?
Replies: 18
Views: 1788

Re: Does a Roth IRA Solve the "Taxflation" Problem?

Ignoring contributions limits and second order effects, and keeping tax rates constant, Roth and Traditional accounts are equivalent savings vehicles. There is nothing special about a Roth account that allows it to avoid "taxflation" vs a Traditional account. That is caused by how you are framing t...
by DoTheMath
Wed Mar 20, 2019 6:16 am
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10121

Re: How to get over a $25K stock market loss?

If it helps, you've probably also lost the equivalent of $25k by not buying Apple stock back in the day, by buying a more expensive cars than you need, by going to the college you choose over another one, in the places you chose to live, the career path you've chosen,... On the flip slide, you gaine...
by DoTheMath
Fri Mar 15, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Rent a car or buy a throw-away?
Replies: 18
Views: 2107

Re: Rent a car or buy a throw-away?

If you do go the rental route, I'd talk with the rental companies with locations in your area and ask them about providing bids. I would think if you committed to renting a car every week on a set schedule they should be able to give you a better price than you'd get by just renting off the street. ...
by DoTheMath
Mon Mar 11, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: United Economy class and personal item bringing on plane
Replies: 23
Views: 2105

Re: United Economy class and personal carry on

Even more confusingly, some airlines now allow a carry on bag in their version of Basic Economy:

https://www.aa.com/i18n/travel-info/exp ... conomy.jsp

You really have to read the fine print these days.
by DoTheMath
Sun Mar 10, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents' finances a disaster waiting to happen? Seeking advice.
Replies: 105
Views: 10620

Re: Are my parents' finances a disaster waiting to happen? Seeking advice.

I sympathize with your worry. It has to be difficult to see your parents in what feels like a precarious situation which may end up affecting you and your family in significant ways. As others have said, it's not likely you're going to change them now. It will only stress them, you, and your relatio...
by DoTheMath
Thu Feb 28, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 3966

Re: Is the Chase Sapphire Preferred card any good?

Leesbro63 wrote:
Thu Feb 28, 2019 6:45 am
What are the other cards that offer primary collision damage wavier (it’s not really insurance)?
Recently the United Explorer card started offering a primary collision on rentals along with a Global Entry/Precheck credit.
by DoTheMath
Tue Feb 19, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6270

Re: On this Forum, is X% of Income Saved Pre or Post Tax?

There isn't a consensus. That said, I agree with the others that pre-tax makes more sense. For me taxes are an expense which can vary and I have some control over. I don't compute my savings rate after subtracting out my housing cost (another unavoidable expense I have some but not complete control ...
by DoTheMath
Tue Feb 19, 2019 7:01 am
Forum: Personal Investments
Topic: Making sense of 403b with no match
Replies: 13
Views: 698

Re: Making sense of 403b with no match

Actually, I'm still a bit confused about whether a public (state) university's 457b plan is considered governmental or not. I couldn’t swear there are no exceptions, so you’ll need to check your specific plan, but they’re governmental at several state universities I know,including mine. Are you tec...
by DoTheMath
Fri Feb 15, 2019 10:19 am
Forum: Personal Investments
Topic: Can't contribute to an IRA during grad school but still want to save
Replies: 20
Views: 906

Re: Can't contribute to an IRA during grad school but still want to save

I agree with the others. I would double check if your stipend (or some portion of it) is earned income. If it is, open an IRA (probably a Roth IRA as your income will hopefully only go up in the future) at Vanguard. If it isn't, open a taxable account with Vanguard. Either way, a Target Date fund wo...
by DoTheMath
Fri Jan 25, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: small town
Replies: 47
Views: 3931

Re: small town

IMO OP should just do as someone suggested earlier: Briefly tell them "I am now comfortable with managing my own investments and am looking forward to doing this on my own. I am sorry that I must move my assets elsewhere to be able to feel that I am doing it independently." Be polite, brief, and fi...
by DoTheMath
Sun Jan 20, 2019 1:53 pm
Forum: Personal Investments
Topic: Trying to understand 403b plan options and simplify
Replies: 2
Views: 198

Re: Trying to understand 403b plan options and simplify

Welcome! It can seem a bit overwhelming at first, but you've already made big strides in the right direction. Definitely it looks like you're already on track! Plus the BH community is always happy to answer any questions, no matter how big or small. Please do post again once you've consolidated thi...
by DoTheMath
Mon Jan 14, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Winter Getaway adventure trip recommendations
Replies: 13
Views: 794

Re: Winter Getaway adventure trip recommendations

How about Big Bend National Park and the surrounding area?
by DoTheMath
Tue Jan 08, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2736

Re: Need a little insight from STEM Bogleheads

She’s enjoys teaching, She thinks professors get all this free time to do whatever they want Then she really needs to investigate further. Tenured professor's spend most of their time begging for money writing grant proposals, faculty meetings etc. Also the chances of getting a tenured professor po...
by DoTheMath
Tue Jan 08, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2736

Re: Need a little insight from STEM Bogleheads

My GF and I are very different when it comes to money. I’m very fickle while she’s relaxed. Now my GF has a masters in theoretical mathematics and teaches high school for the last 7 years and absolutely dreads it. Her thinking is if she gets her doctorate she can teach at the college level since it...
by DoTheMath
Wed Jan 02, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3157

Re: Noise cancelling headphones for plane trips, advice?

Noise cancelling headphones and earbuds cancel constant unchanging noise and tones like the hum of jet engines at a constant speed. They don't do much for crying babies which are rarely monotonic. One needs earplugs for that. The headphones with cups that sit tight over the ears block noise, too. S...
by DoTheMath
Sun Dec 30, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing mortgage interest deduction for unmarried couple
Replies: 5
Views: 525

Re: Maximizing mortgage interest deduction for unmarried couple

We have always made our mortgage payments by sending in two checks in one envelope, each is for half the payment. We've never had an issue with our lender. I would simply ask your lender to confirm that paying from two accounts is okay. I'm guessing their legal verbiage won't turn out to be an issue...
by DoTheMath
Wed Dec 12, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4404

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

Take a look at college towns in the the northern part of the US. There are likely to be good options to sublet a house or apartment from faculty traveling for the summer and they'll have lots of what you list above. Plus you can probably contact the relevant department of your local university and ...
by DoTheMath
Tue Dec 11, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4404

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I have four months of break* in the summer and winter and I have been thinking about what to do and/or where to live during this period for a while. I am 37 yo, single, likes outdoor activities a lot, good weather (60 - low 80s). Budget is up to $5k/month. Ideally, a city with good weather, museums...
by DoTheMath
Tue Oct 30, 2018 8:22 pm
Forum: Personal Investments
Topic: Questions about 403b investment options
Replies: 10
Views: 597

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: 6469

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: 2416

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: 2146

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: 10087

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: 10087

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: 4963

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: Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8784

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: 7659

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: 4239

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: 7659

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: 1463

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: 3723

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: 2984

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: 1076

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: 7639

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: Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1583

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: 2108

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: Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 15
Views: 1583

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: Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 61
Views: 3977

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: Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 61
Views: 3977

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: 3111

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: Personal Investments
Topic: Should i continue my investments even with low savings?
Replies: 5
Views: 933

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: 1210

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: 1054

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: 1562

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: 883

Re: Vacation Rental Question

Yes. I've had some luck in requesting discounts on homeway/vrbo type rentals when it is last minute.