Search found 367 matches

by tarheel
Thu Nov 15, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Momentum Distinctions
Replies: 26
Views: 1271

Re: Larry Swedroe: Momentum Distinctions

[OT quotation and response removed -- moderator triceratop Dave, I read the ETF.com column this morning and I knew you would have started this thread and I appreciate it. I also invest in QMHIX, and while I understand the takeaway (CS and TS momentum are not as distinct as previously thought), I ha...
by tarheel
Mon Nov 12, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: AQR fund family's performance relative to its benchmarks
Replies: 29
Views: 2070

Re: AQR fund family's performance versus its benchmarks

Nisi, thanks for taking the time, very interesting. As an AQR investor, my take is that things actually look pretty good. As far as equities, I have significant allocations to QSMLX (-0.39%), QCELX (+0.07%), QICLX (-0.79%) and QEELX (-1.18%). This looks about right to me - these multistyle funds all...
by tarheel
Sat Nov 10, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12054

Re: A reminder: Stay away from AQR

I will note that the Bloomberg article actually doesn't criticize QMHIX, but I was thinking of another article that did. The OP did post this however: "Not mentioned in the article, but they have a Managed Futures fund, god knows how many billions. It's basically where money goes to die. Down 20% i...
by tarheel
Sat Nov 10, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12054

Re: A reminder: Stay away from AQR

I will note that the Bloomberg article actually doesn't criticize QMHIX, but I was thinking of another article that did. The OP did post this however: "Not mentioned in the article, but they have a Managed Futures fund, god knows how many billions. It's basically where money goes to die. Down 20% in...
by tarheel
Sat Nov 10, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12054

Re: A reminder: Stay away from AQR

I will chime in as someone who actually owns quite a few AQR funds, including 7.5% allocations to QSPIX and QMHIX. First of all, the initial criticisms of AQR by the OP and Bloomberg article concerned the managed futures fund (QMHIX). I will start by saying that if you don't understand how the fund ...
by tarheel
Fri Aug 10, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: AQR Podcasts - The Curious Investor
Replies: 5
Views: 854

Re: AQR Podcasts - The Curious Investor

Also listened to the first two. I thought they were a little on the beginner side, but well put together. I'll be curious to see how things proceed. They sure do have some great guests lined up.
by tarheel
Sun Jul 29, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5585

Re: Why dont people sit outside more? And how to deal with bugs?

While it's about $70 every three weeks, we have had wonderful success with MosquitoTek here in Chapel Hill. The spray basically knocks mosquitos down to zero in the backyard, allowing us to enjoy the summer outdoors. Worth the money IMO.
by tarheel
Tue Jul 24, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4726

Re: Larry Swedroe: Size Factor Not Dead

I wonder what Larry thinks about AQR's work lately claiming that the size factor is actually dead. This is at limits of my knowledge, but in Larry’s factor book Chapter 2 he references a 2015 study done by AQR guys titled “Size Matters If You Control Your Junk”. There is a strong negative relation ...
by tarheel
Mon Jul 23, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4726

Re: Larry Swedroe: Size Factor Not Dead

I wonder what Larry thinks about AQR's work lately claiming that the size factor is actually dead.
by tarheel
Wed Jul 11, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Look Past Expense Ratios
Replies: 71
Views: 6841

Re: Larry Swedroe: Look Past Expense Ratios

That makes the argument for using a relatively more expensive and deeper exposure factor fund. Less of the more expensive factor fund is required to achieve desired tilt, and relatively more of the cheaper and more tax efficient TSM/core fund. Without looking at the specifics... yes. But I also adv...
by tarheel
Mon Apr 09, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

It seems like none of the responses directly address the issue of children, so I'm going to jump in here. I have 4, ages 12-22, so I have a little experience in how costs go with kids. Here are a few things to think about: (1) Medical costs. We have one with a LOT of medical issues through the year...
by tarheel
Mon Apr 09, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

onourway wrote:
Mon Apr 09, 2018 9:13 am
It was asked earlier but I didn't see a response - do either of the employers offer a tuition assistance program for your kids?
Unfortunately nope. If we stayed though, the in state school is much more attractive. Could save on college that way.
by tarheel
Mon Apr 09, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

What jumps out is that you’re significantly undersaving for college, for two, let alone five. That would eat up 2k a month easily. The grandparents have really helped out on that one - each of the 3 children already has $10K in a 529. With the bump in salary we plan on starting to contribute monthl...
by tarheel
Mon Apr 09, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

I think people could answer more accurately if they read yor previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=243809 Like OP, I'm "mid-career" faculty in the "physical sciences". OP in the thread quoted above says: "However, the institution [he would be moving to] is significan...
by tarheel
Sun Apr 08, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? I might be able to help. I have...
by tarheel
Sun Apr 08, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Your networth is $100k - I am surprised that you are thinking you have plenty - maybe its because of the job security you feel so. 6k/yr wiggle room - what are you doing with the rest of 175K? 24k is good extra money to compound every year - I would move - there are no guarantees in life. We are fi...
by tarheel
Sat Apr 07, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

I think people could answer more accurately if they read yor previous thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=243809 Like OP, I'm "mid-career" faculty in the "physical sciences". OP in the thread quoted above says: "However, the institution [he would be moving to] is significan...
by tarheel
Sat Apr 07, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? Yes it will. I wonder if you ca...
by tarheel
Sat Apr 07, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Well, I'm not in the academic world, but I would speculate there are always political situations/bad bosses and department heads and administrators, different kinds of student populations, and other job factors. And if these are significant, I think the money isn't worth it. You have to go in there...
by tarheel
Sat Apr 07, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

100% job security (tenured professor) and cost of living would be roughly the same (it's already been budgeted as well). If you are a young professor and are offered a tenured position at a decent institution, take it, especially if it comes with a decent increase in pay and you don't mind living i...
by tarheel
Sat Apr 07, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

I think it's a bit crazy to take the risk of a new job at all (let alone one that is less satisfying) just to move to a cheaper area. Job security (and job comfort) is all-important. 100% job security (tenured professor) and cost of living would be roughly the same (it's already been budgeted as we...
by tarheel
Sat Apr 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children.

Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future?
by tarheel
Sat Apr 07, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

No one is in a better position to answer this question than you are. What do you think? Is the question really whether or not you should move and what are the other considerations. If you just want an answer out of the blue in the abstract it is that such an increase would be a big deal for most pe...
by tarheel
Sat Apr 07, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

Re: What would an extra $2000 in cash flow mean for a large family?

Mike Scott wrote:
Sat Apr 07, 2018 12:09 pm
What would you be giving up in the move and how does that tangible or intangible value compare to the financial gain?
I would likely be taking a step down in job satisfaction, but nothing horrible.
by tarheel
Sat Apr 07, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4711

What would an extra $2000 in cash flow mean for a large family?

The DW (SAHM) and I are trying to make a moving decision and I'm hoping that some of you with larger families could chime in. We are in our late thirties, with a newborn, 2 year old, and 4 year old. Perhaps one (two :shock: ) more at some point. :happy If we stayed, we would be fine financially, but...
by tarheel
Sat Apr 07, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

Step 1 is to focus on cash flow. You know where you are now. Figure out what it's going to be for the new place. You are somewhat doing it with the mortgage difference. Do it with taxes (federal, state, property) and all the rest of the stuff. There are a lot of cost-of-living calculators around, u...
by tarheel
Fri Apr 06, 2018 4:56 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

The two options look close in immediate future financial terms. So I would focus almost entirely on how they affect other factors, like quality of life, spending time with family, commute distance, quality of schools, distance from family and friends, enjoyment of the job, potential for career adva...
by tarheel
Fri Apr 06, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

tarheel, <<Let's assume that job 1 offers a salary of 150K and job 2 offers a salary of 200K.>> <<We have calculated the likely cost of a house that would fit our family needs, and for job 1 it would be a roughly 475K mortgage, and for job 2 it would be 700K.>> 1) Both jobs are about equivalent. Jo...
by tarheel
Thu Apr 05, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

golfCaddy wrote:
Thu Apr 05, 2018 9:25 pm
Money that goes to principal increases your net worth. It's the interest, taxes, and insurance which are the costs you should subtract from the HCOL job.
Yeah, I thought it was something like that.....that makes sense to me. Thanks!
by tarheel
Thu Apr 05, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

Re: How does one adjust salaries to account for housing costs when considering a move?

I appreciate the replies. We've considered all of the good points above and we're really just trying to compare the salaries....
by tarheel
Thu Apr 05, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1720

How does one adjust salaries to account for housing costs when considering a move?

The DW and I are in the middle of a major decision concerning a cross country move. While comparing the two salaries offered (to either stay or go) I recently realized I might be doing things somewhat incorrectly. Let's assume that job 1 offers a salary of 150K and job 2 offers a salary of 200K. We ...
by tarheel
Mon Apr 02, 2018 7:13 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Update? I have the final offer from my present institution, and at this point we would accept it if nothing changes. It is fair, but not overly aggressive. I have communicated this to the private school, and they are currently meeting with administration and trying to do everything they can to incr...
by tarheel
Wed Mar 21, 2018 3:21 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: 8210

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.
by tarheel
Sun Mar 18, 2018 9:08 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

KeepinItPositive wrote:
Sat Mar 17, 2018 12:33 pm
Any updates?
Should know more about the retention package this week......I'll check back in when I have more details. Thanks for the help and interest everyone! :sharebeer
by tarheel
Sun Mar 18, 2018 9:08 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Do you enjoy "change" or do you like the status quo? Personally, if something is a truly a coin flip, I'm always going to choose the side of change. Adding variety, living somewhere new, experiencing different people, places and things...these have value to me. Staying in the same place forever sou...
by tarheel
Sun Mar 18, 2018 9:07 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: 8210

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 tarheel
Tue Mar 13, 2018 6:55 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I've worked in academia at a top-tier university, and I'd say that the important elements are: - Base salary - Summer Salary support - Research support - which institution does better at supporting grant activity? Does the "new" offer come from a Univ. that is successful with NIH/NSF applications i...
by tarheel
Tue Mar 13, 2018 6:50 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: 8210

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 tarheel
Sun Mar 11, 2018 8:16 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: 8210

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 r...
by tarheel
Sun Mar 11, 2018 8:13 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

anonenigma wrote:
Sat Mar 10, 2018 1:15 pm
Presumably you have a defined benefit pension plan at your public university? Presumably only a defined contribution planning at the private that’s recruiting you? Difference will be substantial.
Defined contribution at the private, but higher contribution %.
by tarheel
Sat Mar 10, 2018 1:06 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Until you get the retention offer then you are not in a position to make a decision - yes? All speculation at moment. Is there a timeline attached to your outside offer for a response? Sure, can't decide yet without specifics but I am preparing for the decision being tough. If the retention is poor...
by tarheel
Sat Mar 10, 2018 6:43 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

My outside offer is from a private institution with deep pockets. The offer is very aggressive salary-wise, and we would have grandparents in the area. However, the institution is significantly weaker in my research area and it would likely negatively affect my group's research, at least in the sho...
by tarheel
Sat Mar 10, 2018 6:43 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

If money were equal, what would you do? If it's stay, I'd probably see how close they can get to the other offer and stay if it's within 10-20 percent I'd say this is close to my current thinking. I basically told the private school that there would have to be "a significant financial reason" to mo...
by tarheel
Sat Mar 10, 2018 6:41 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Two more things to consider. How do the quality the schools that your kids will go to compare. What the relative cost of living is which will be important for your kids when they grow up. I once lived in the San Francisco Bay Area which has always been expensive when I was younger and some of my ol...
by tarheel
Fri Mar 09, 2018 9:41 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I would do an actual coin flip - heads you stay, tails new job. Flip the coin fairly high. A, ask yourself what were you secretly wishing it would land on. Look at the coin - are you happy with what you see or just a little disappointed? That will tell you what you really want. Maybe have your wife...
by tarheel
Fri Mar 09, 2018 9:41 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

is the new place offering any sort of college tuition benefit for your kids that UNC/otherpublicuniversity can't offer? I was going to mention that factor too. Someone else mentioned it but also be sure to talk with the grandparents about just how much help they are willing and able to provide so t...
by tarheel
Fri Mar 09, 2018 9:38 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

something that i mightve missed: is the new place offering any sort of college tuition benefit for your kids that UNC/otherpublicuniversity can't offer? ask your current place to match their tuition benefit? the tuition benefits for faculty from private institutions can be enormous. mine plays >50%...
by tarheel
Fri Mar 09, 2018 2:49 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Fellow academic (and possibly right up the road if your username is your employer and not where you did you training). Some additional things to consider I didn't see mentioned: 1) Hard money vs. soft money? Assume hard in physical sciences, but may not be. I bring up because you mention ease of ge...
by tarheel
Fri Mar 09, 2018 9:55 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: 8210

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Congratulations on having a tough decision! I'm assuming your outside offer is from a SLAC? If so, figure out their endowment/pockets and how tuition dependent they are. I suspect tuition-dependent schools will be under stress in the coming decades. Also consider their resources for doing research;...