Search found 723 matches

by timmy
Tue Oct 23, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

Another one is SMART. It's DOD for STEM majors. You just need to be really sure of your major.

All great programs.
by timmy
Sat Oct 20, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 9
Views: 1374

POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

The fund is ~one year old now. If you've been observing it or studying it , have you developed a POV yet? If yes, please share your thoughts. Thank you For context ... My parents are entirely in Vanguard Wellington Fund Admiral Shares (VWENX) but were asking me about international exposure. To scrat...
by timmy
Tue Oct 16, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2119

Re: Advice on Three-Night English Road Trip

When you leave Bath, see if your route can go through Castle Combe on your way to the Cotswolds. You can also join a guided walking tour in Oxford that leaves from the TI, so you can relax and not have to fiddle with a map. I personally would train straight from London to Bath and rent the car as y...
by timmy
Tue Oct 16, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2119

Re: Advice on Three-Night English Road Trip

Thanks for the feedback - I'm aware that the itinerary is a bit packed. We initially decided to split our time between Paris and London and have our hotels and Eurostar booked. My wife is both a museum hound (our time in both cities should satisfy her) and a devotee of murder mysteries. This latter...
by timmy
Tue Oct 16, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2119

Re: Advice on Three-Night English Road Trip

I found Cambridge nicer and more interesting than Oxford.
by timmy
Tue Oct 16, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3886
Views: 1087048

Re: What Movie Have You Recently Watched?

A Star is Born

Spouse and I both enjoyed it
by timmy
Tue Oct 16, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

gogleheads.orb wrote:
Tue Oct 16, 2018 1:29 pm
I wouldn't discourage Math if that's what he wants to do. I am sure that you know this, but you can never know too much math. I'm an ND BSEE, MIT MS & PHd in EE. My math background is kind of weak. I don't need any more than I have, but it wouldn't ever hurt to have studied more.

Noted!
by timmy
Tue Oct 16, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

Just to be clear, the OP or his son took on some debt for his son to attend Notre Dame? Because that's what it sounds like. I'm curious because the OP was SO adamantly opposed to any kind of debt at all for his son and was willing to spend $25k cash flow and $10k college savings. What happened? It ...
by timmy
Tue Oct 16, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13980

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Read it. My POV ... It is not a replacement for the original. Is it a satisfactory refresh of the original? No Would I recommend it? For big fans of the original, it's probably worth reading. As for everyone else, I suggest the original. I wish ... I think a better book would have been to reprint t...
by timmy
Tue Oct 16, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

Two months into school and my final post ... He's really happy at ND. He's still thinking computer engineering. He's also thinking about a dual major (math). We've been gently nudging against that. As it might be better to use those credit hours to explore or go deep on something else. Either way .....
by timmy
Tue Oct 16, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13980

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Read it. My POV ... It is not a replacement for the original. Is it a satisfactory refresh of the original? No Would I recommend it? For big fans of the original, it's probably worth reading. As for everyone else, I suggest the original. I wish ... I think a better book would have been to reprint th...
by timmy
Tue Oct 16, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 33
Views: 3577

Re: Single Family Homes in Chicago?

deleted
by timmy
Fri Oct 12, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 11388

Re: Moneytalk with Bob Brinker coming to an end

Funny, in recent years, I tended to listen to Bob on weekends after bad market weeks. Sort of out of habit. Sort of to get perspective. I would have listened this weekend, for sure!
by timmy
Tue Oct 02, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 11388

Re: Moneytalk with Bob Brinker coming to an end

Big fan of Bob. I've listened since high school (yes, always been a nerd). Overall, I found his advice sound. I never paid much attention to the market timing aspect. In the past few years, I picked up podcasting and stopped listening to the radio (mostly). I did catch the last show. It was very mod...
by timmy
Sat Sep 29, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4056

Re: Salary negotiation: saying a number first on purpose?

It is reasonable. The only risk I see ... is leaving some upside on the table. You may want to offer a range with 15% being the low side. Work on the messaging. It doesn't need to be perfect. Just rational.
by timmy
Sat Sep 29, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13980

The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

https://www.amazon.com/gp/product/1493035355 The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover – October 1, 2018 by Thomas J. Stanley Ph.D. (Author), Sarah Stanley, Ph.D Fallaw (Author) Over the past 40 years, Tom Stanley and his daughter Sarah Stanley Fallaw have bee...
by timmy
Mon Sep 24, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Tail Risk Protection
Replies: 30
Views: 3454

Re: Tail Risk Protection

I've spent a lot of time looking at this. I've even tried it out, small dollars on puts. It should work in theory. However, in my trials, the market was going up and I just found the whole thing tedious. I've seen a lot of hypothetical models but no actual use cases (vs. say my own experience owning...
by timmy
Sat Sep 22, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

Timmy, congratulations to your son! Thank you for journalist your family's journey. This thread has been immensely inspiring and very much relevant for DS, who is a HS junior, also in Illinois. He will be applying for CS/Engineering programs next year. He just took the ACT this month and scored a 3...
by timmy
Mon Sep 17, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4944

Re: Dilemma: Add room to current house or buy new house?

If you don't like the house, sell it and move. If you like the house, want to stay, and are willing to live through some construction, I would invite a few architects to tour the house. If you hit it off with one or all, I'd suggest paying them to concept ("draw up") options that stay within the cur...
by timmy
Sun Sep 16, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53963

Re: That Extravagant Thing You Do

Mountain bike worth more than car.
by timmy
Sun Sep 16, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 33
Views: 3577

Re: Single Family Homes in Chicago?

Deleted
by timmy
Sun Sep 16, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 33
Views: 3577

Re: Single Family Homes in Chicago?

Deleted
by timmy
Sat Sep 15, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4142

Re: The Boglehead is anti-entrepreneur?

The 10% Entrepreneur: Live Your Startup Dream Without Quitting Your Day Job Choosing between the stability of a traditional career and the upside of entrepreneurship? Why not have both? Becoming a full-time entrepreneur can look glamorous from the outside. Who doesn’t want to chase their dreams, be...
by timmy
Thu Sep 13, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10448

Re: Side Hustle Options/Suggestions.

sports referee. basketball, volleyball, and lacrosse are good. get exercise etc... the money is made on the weekends though. b-ball on the weekends in the winter is o.k. here in chicago though. gets you off the couch on cold winter days. a lot of people don't claim this income as long as you don't ...
by timmy
Thu Sep 13, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10448

Re: Side Hustle Options/Suggestions.

I do online transcription after the kids go to bed. The pay is pretty terrible but I figure I am monetizing spare time that I would otherwise be wasting on TV or Netflix. My wife teaches yoga. If that's not your thing, you could probably do classes for any random skill that you have. Also, dog walk...
by timmy
Sun Sep 09, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Put Options
Replies: 41
Views: 2910

Re: Put Options

Read up on it ... Options are complicated, or at least not easy. So read up. I found this book useful. https://www.amazon.com/Options-as-Strategic-Investment-Fifth/dp/0735204659/ref=sr_1_1?ie=UTF8&qid=1536501005&sr=8-1&keywords=options+as+a+strategic+investment+6th+edition The market in listed optio...
by timmy
Mon Aug 27, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2354

How do you make use of this boglehead.org?

I'm curious how you make the most of this website. And whether I could be doing something different to make my experience even more useful. Here is what I do. Targeted: I ask question when I have them. Share: Post links that I find interesting and might be beneficial here. Read: I generally click on...
by timmy
Sat Aug 25, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 82
Views: 9511

Re: Call the Top!

Not a number, a period ... Q2 2019. A recession will follow. The stock markets slide will last until Q1 2020. It'll bounce around after, making no real progress, until mid 2021. Then the fun will begin again.

Yours truly,

Michel "timmy" Nostredame
by timmy
Wed Aug 22, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 32
Views: 2796

Re: Lock Suitcases on International Flight or Not?

PugetSoundguy wrote:
Thu Aug 16, 2018 5:18 pm
We just use disposable cable ties so the zipper on the bag won't accidentally slide open. Easy enough for the Customs/security people to clip if they need to look inside the bag.
+1
by timmy
Sun Aug 19, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77512

Re: Picking College and College Scholarships

We left our son at Notre Dame today, closing off this portion of the journey. The school has a really nice ~2 day program for parents and family, including a tour of the football stadium. It eases the transition for the parents, and leaves with you drinking the Notre Dame kool aid. We actually got t...
by timmy
Sat Aug 11, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1841

Re: Device to listen to while exercising?

Thank you all for your replies & options! Should have mentioned only a flip phone user, but good info should I ever go the iPhone/Android route. Starting off w/ seeing if there is someone in the family no longer uses their ipod. Thanks again! Haha. Old school. Respect! Locally here, you can borrow ...
by timmy
Sat Aug 11, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1841

Re: Device to listen to while exercising?

Too lazy to read the full thread ... apologize if redundant I use my IPHONE. The best investment I made was in a good pair of Bluetooth headphones. Not dealing with a cord has been a game changer. EDIT I bought mine from Dick's (brick and mortar). But something like this might work. https://www.amaz...
by timmy
Mon Aug 06, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4967

Re: Dear BH, what are non-BH actions you do?

Smoke Cuban cigars

Light em using $100 bills
by timmy
Sat Aug 04, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7688

Re: Minivan Vs SUV Experience

Minivan. As a family haulers, an SUV can't touch it.

In terms of the stigma with minivans, and there is stigma, sometime between the age of 20 to 25 nature turns us all uncool. (It's science, for sure.) So own it and move on :sharebeer
by timmy
Thu Aug 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5742

Re: ACT test - got 34, try for 36?

It's ridiculous to think the difference between a 34, 35, or 36 matters. What matters more is high school grades and taking the strongest classes available, recommendation letters, what your application reveals about you, and to some degree, your activities outside of academics( sports, volunteerin...
by timmy
Thu Aug 02, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5742

Re: ACT test - got 34, try for 36?

On a personal note, my oldest is going into college this fall. He got a 36 (similar performance on SAT). I doubt his score was anymore helpful than a 34. In fact, his dream school was MIT. He did not get in. A friend of his got into MIT with a 32 or 33. While she was (per tests) a lower performer, ...
by timmy
Thu Aug 02, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5742

Re: ACT test - got 34, try for 36?

Stop the madness! We are going through this process right now as I’m writing this at a hotel near Clemson. Do your research on the schools your son/daughter is interested in attending. Each schools website will tell you if they super-score the SAT (most do), the ACT (most don’t) and typically what ...
by timmy
Sun Jul 29, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5483

Re: Pay for college with cash flow

Living in Florida I was able to purchase 2 Florida Pre paid plans. This was a great investment. They now are both using the college plan. This is the only investment I made for their college. But it was cheap and backed by the state of Florida. I don't think I would of ever invested in a 529 when I...
by timmy
Sat Jul 28, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5483

Re: Pay for college with cash flow

Good topic. Good posts. Our oldest is heading off to school this year. I have two more in the pipeline. We have some funds in 529 but we were not aggressive enough, not nearly. Overall, we are in good shape: retirement savings, emergency, house is paid off, etc. We are mostly cash flowing college. W...
by timmy
Sat Jul 21, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 17347

Re: New book based on Millionaire Next Door

http://www.thomasjstanley.com/

That's Dr. Stanley's website. As noted, his daughter (soon to be coauthor) has been posting since 2015. Her posts echo his themes. She seem like a good writer. That's positive for the book.
by timmy
Wed Jul 18, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8940

Re: Any Boglehead powerlifters?

I have been lifting for about 20 years, but have gotten to the point whereby it takes months for me to increase the Wright on the bar - but still pushing. PRs are below Squat - 495 Dead - 475 Bench - 335 Press - 205 That bench PR is from years ago and do not really do it much due to shoulder issues...
by timmy
Mon Jul 16, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 17347

Re: New book based on Millionaire Next Door

Thank you for sharing this. I really enjoyed these books...certainly the first two anyway. I'm surprised to see this new title, as I believe that Mr. Stanley died a few years ago in a car accident. This leads me to question how good this new title will be, but I'll certainly check it out. Here is w...
by timmy
Mon Jul 16, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7857

Re: Anyone not have a Budget?

We look at our monthly outflow about every 6 months. And adjust as needed ... based on sloppy spending/habits or something that we need to save for. A few years ago we tightened things up to pay off the house. More recently the focus has been on getting the right amount in retirement and funding col...
by timmy
Mon Jul 16, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Google Sheets has an easy to use Budget worksheets - tip
Replies: 4
Views: 955

Re: Google Sheets has an easy to use Budget worksheets - tip

At work, we always used Excel. Since retiring and getting into the Chromebook, I have been working with Google Sheets. At first, I thought it was a watered down imitation of Excel. That was before I learned everything it can do: https://courses.benlcollins.com/p/advanced30 https://support.google.co...
by timmy
Mon Jul 16, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 17347

New book based on Millionaire Next Door

https://www.amazon.com/gp/product/1493035355 [link formatted by admin LadyGeek] The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover – October 1, 2018 by Thomas J. Stanley Ph.D. (Author), Sarah Stanley, Ph.D Fallaw (Author) Over the past 40 years, Tom Stanley and his da...
by timmy
Sun Jul 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6096

Re: Which minivan?

2017 Kia Sedona. Very happy with it