Search found 453 matches

by DoTheMath
Mon Apr 12, 2021 9:09 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 51
Views: 3397

Re: Comfortable Men's Flip Flops?

I have a pair of Vionics which I like quite a lot. I have zero arch in my foot so shoes which are too flat or too supportive aren't comfortable. These are perfect.
by DoTheMath
Wed Apr 07, 2021 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4267

Re: Tax bill split between spouses

As others have said, this seems pretty straightforward mathematically. You can run the taxes as if you were to file independently, and as married, and split the difference. When calculating the difference, be sure to take into account any unintended consequences (e.g., maybe the lower income earner ...
by DoTheMath
Thu Apr 01, 2021 9:38 pm
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2041

Re: Resole hiking boots?

I recommend Dave Page (Seattle): http://www.davepagecobbler.com/ Or try Rock and Resole (Boulder, CO): https://rockandresole.com/product/resole-your-boots/ Local cobblers may or may not not be able to obtain the specific outsole you need. Hey! I’m pretty sure it was Dave Page who did mine years ago...
by DoTheMath
Thu Apr 01, 2021 9:53 am
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2041

Re: Resole hiking boots?

~20 years ago I had my hiking boots resoled by somebody based in Seattle who specialized in outdoor shoes (can't remember who it was, sorry). It was through the mail, they did a great job, and I got many more years of good use out of the boots. On the other hand, my SO had boots resoled by a local g...
by DoTheMath
Wed Mar 24, 2021 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22376

Re: What is an average retirement a/c worth in America ?

I'm looking for some reassurance, and to better manage my expectations. My family's networth is less than a million (not counting my daughter's Coverdell). I see posts here from people in their 30s with 1.5 million in investments, people in their 20s with 6 figures in assets etc, "windfalls&qu...
by DoTheMath
Wed Mar 24, 2021 9:29 am
Forum: Personal Consumer Issues
Topic: Do you have a gas log insert in your fireplace?
Replies: 21
Views: 1512

Re: Do you have a gas log insert in your fireplace?

~10 years ago we put a gas insert into our fireplace. It was one of the best things we've done. I don't recall the price (maybe 3-5k?), but it's probably not relevant as I'm sure the cost varies through time and space. I can't recommend it highly enough. Having one which is a closed system is defini...
by DoTheMath
Tue Mar 23, 2021 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22376

Re: What is an average retirement a/c worth in America ?

I'm looking for some reassurance, and to better manage my expectations. My family's networth is less than a million (not counting my daughter's Coverdell). I see posts here from people in their 30s with 1.5 million in investments, people in their 20s with 6 figures in assets etc, "windfalls&qu...
by DoTheMath
Tue Mar 23, 2021 6:31 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10240

Re: Men's Cologne

Coma
Spasm
The Hounds (Pending approval by the FDA)

all in the Dennis Feinstein collection.


:D
by DoTheMath
Thu Mar 11, 2021 4:25 pm
Forum: Personal Consumer Issues
Topic: Resubscribe to The Economist or switch to something else?
Replies: 32
Views: 2481

Re: Resubscribe to The Economist or switch to something else?

To point out the obvious, if your local library doesn't already subscribe to your favorite periodical, you should request that they do. Librarians are always happy to hear suggestions of books, periodicals, and other media.
by DoTheMath
Wed Mar 10, 2021 11:45 am
Forum: Personal Investments
Topic: Advice only Investment Advisors
Replies: 13
Views: 1406

Re: Advice only Investment Advisors

The Finance Buff (aka tfb here at BH: https://www.bogleheads.org/wiki/The_Finance_Buff ) has a webpage were he connects people to advice only advisors. I'm sure if you google his webpage will come up. I haven't used the advisors he works with and can't speak to their quality. But it might be a good ...
by DoTheMath
Sun Feb 28, 2021 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Scientific journal publication fees deductible on Sched C?
Replies: 16
Views: 852

Re: Scientific journal publication fees deductible on Sched C?

Absolutely. I think that is well within reason as a deductible business expense. In fact, I would suspect that he has a number of other deductions if you put your mind to it. From mileage related to conference travel, to meals with collaborators, and other such things. Even things like a home office...
by DoTheMath
Tue Feb 23, 2021 11:30 am
Forum: Personal Finance (Not Investing)
Topic: moving 1000 miles...options?
Replies: 30
Views: 1583

Re: moving 1000 miles...options?

Get some quotes from moving companies and then you'll better know what you're dealing with. When I was younger I moved myself many times. More recently, our employer gave us a budget for moving cross country, but we moved ourselves a few years later when moving within the same town. Moving in the sa...
by DoTheMath
Thu Feb 11, 2021 11:36 am
Forum: Personal Investments
Topic: New employer with complex retirement options
Replies: 10
Views: 856

Re: New employer with complex retirement options

Where do you see that choosing Option 1 excludes you from the 403b and 457b? From your link, when it says that you have to choose Option 1 or Option 2, it also says "Salaried employees may begin or stop participation in the 403(b) and 457(b) Voluntary Retirement Savings Plans at any time."...
by DoTheMath
Tue Feb 02, 2021 2:46 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4545
Views: 227982

Re: [GameStop GME trading mega-thread]

The only mental trick I can recommend is to use whatever mental trick kept you from sticking a fork in an electrical outlet more than once. Whenever I start getting the itch, I remember back to the IPO of the Barnes and Noble online store. At the time it seemed like a great opportunity (imagine Amaz...
by DoTheMath
Tue Jan 26, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: Poor Call Quality on Google Voice
Replies: 26
Views: 2123

Re: Poor Call Quality on Google Voice

Thanks everyone for your feedback. DoThe Math, I just checked my upload speed and it's 2.36 MBS. Is that enough bandwidth for decent VOIP calls? We have 5 handsets for the Panasonic system so I'm numbering each to see if one of them is the culprit. In terms of raw speed, that should be okay. I seco...
by DoTheMath
Mon Jan 25, 2021 4:56 pm
Forum: Personal Consumer Issues
Topic: Poor Call Quality on Google Voice
Replies: 26
Views: 2123

Re: Poor Call Quality on Google Voice

I use Google Voice with a similar internet speeds and have no troubles. That should be plenty (by a factor of 5) for a voice call. That said, the fact that your problem is on outbound and not inbound sound suggests your upload speeds could be an issue. I'd use speedtest to see if there are issues th...
by DoTheMath
Mon Jan 25, 2021 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for a mid-30s humanities graduate student
Replies: 127
Views: 9925

Re: Advice for a mid-30s humanities graduate student

Welcome to BHs! As you see, you'll get lots of hot takes from people who do and don't know what they are talking about. But you're no doubt skilled at critical reading and can sort the wheat from the chaff. Having 135k in retirement savings at mid-30s is darn good. As you've computed, you've got tim...
by DoTheMath
Sun Jan 17, 2021 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Academic transitioning to new career?
Replies: 30
Views: 2296

Re: Academic transitioning to new career?

I would guess it depends a bit on what you would like to do next. If you would like to continue to use your STEM training and skills, I think there is a surprisingly broad array of options. I've developed a big appreciation in recent years for STEM jobs in BIG (Business, Industry, and Government). A...
by DoTheMath
Sun Jan 17, 2021 10:51 am
Forum: Personal Consumer Issues
Topic: Anyone have the new Apple M1 MacBook?
Replies: 28
Views: 2896

Re: Anyone have the new Apple M1 MacBook?

I have the M1 Macbook pro. I was slightly nervous that some of the software I use for work wouldn't run on the M1 processor, but everything has worked seamlessly once I did some updates. When I got the new computer I did an update of the MS software suite and everything worked fine. Unless someone h...
by DoTheMath
Sat Jan 16, 2021 1:42 pm
Forum: Personal Consumer Issues
Topic: Changing houses is not the issue, changing my mind is
Replies: 8
Views: 1492

Re: Changing houses is not the issue, changing my mind is

Knowing this about yourself, you can make choices which mitigate the concerns you have. For example, if you choose a property on a corner, or against a green belt then while your property might still be on a small lot, you won't feel so hemmed in. As others have said, if you rent (even for a couple ...
by DoTheMath
Tue Jan 12, 2021 12:53 pm
Forum: Personal Consumer Issues
Topic: "Safe" internet access for elderly relative
Replies: 14
Views: 1248

Re: "Safe" internet access for elderly relative

+1 for AdGuard's DNS service. I changed our home router to their DNS servers and was happy to recommend it to my parents. As mentioned above, doing this breaks some marketing links in emails, google searches, a few webpages which won't load without trackers, etc., but otherwise is invisible. It elim...
by DoTheMath
Mon Jan 11, 2021 8:58 pm
Forum: Personal Consumer Issues
Topic: How did you choose a location to retire?
Replies: 113
Views: 10329

Re: How did you choose a location to retire?

We've moved to Phoenix this year for one main reason. We were tired of winter. We left most of our family behind, and that may prove to be a bad choice. We do have one set of friends and one sister/brother-in-law in the area, so we do have some people. But we hated winter; we're done with winter. A...
by DoTheMath
Mon Jan 11, 2021 1:32 pm
Forum: Personal Consumer Issues
Topic: Brewsy - easy home wine making - any reviews?
Replies: 11
Views: 1380

Re: Brewsy - easy home wine making - any reviews?

I don't know anything about these kits in particular, but in general you can make good wine and beer from kits. You can also make bad wine and beer from kits. It depends on the kits, but also on the technique and equipment. Another good option if one is interested in having a go at making wine or be...
by DoTheMath
Mon Jan 11, 2021 10:14 am
Forum: Personal Investments
Topic: 2.5% Margin for ETFs
Replies: 14
Views: 1055

Re: 2.5% Margin for ETFs

You should read Market Timer's experience with a similar strategy: https://www.bogleheads.org/forum/viewtopic.php?t=5934&highlight= Note that this thread happened in real time. Market Timer had to make decisions in the moment not knowing what the next day would bring. It's a bracing reminder tha...
by DoTheMath
Sat Jan 09, 2021 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with my plan after college
Replies: 27
Views: 1414

Re: Help me with my plan after college

Your tax calculations are off. In addition to the standard deduction, you can lower your taxable income by your retirement contributions, student loan interest, a CARES act qualifying donation, etc. Once you've taken all that into account, if I recall correctly, the first ~10k is taxed at 0%, the ne...
by DoTheMath
Sat Jan 09, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with my plan after college
Replies: 27
Views: 1414

Re: Help me with my plan after college

To begin, I am currently a senior in college that has one semester left. I wanted to take initiative and plan out my future so I don’t go broke. I have been spending a lot of time doing research on investing, retirement funds, student loans, taxes. I wish schools offered a class in this :cry: Anywa...
by DoTheMath
Fri Jan 08, 2021 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Solar Land Lease
Replies: 13
Views: 964

Re: Solar Land Lease

How much they will make, either gross or net, is irrelevant. What is relevant is the going rate for comparable leases. If you are thinking of proceeding, you need to hire someone with experience in these sorts of leases who can provide you with comparables. Right now there is an information asymmetr...
by DoTheMath
Wed Jan 06, 2021 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Escalation Clause in a Home Purchase
Replies: 31
Views: 2533

Re: Escalation Clause in a Home Purchase

Is it necessary that the seller will learn the max offer of an escalation clause? It seems to me that the offer itself could have an escalation clause (say for 5k over the current best offer) but that the max would only need to be known by the buyer's agent and not the seller or the seller's agent. ...
by DoTheMath
Thu Dec 31, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: [Is VPN essential for online privacy & security?]
Replies: 55
Views: 3534

Re: Which VPN would you recommend?

I use Mullvad and am quite happy with them.

That said, most people don't need a VPN.
by DoTheMath
Wed Dec 30, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: $1200 stimulus to drop into my account 01/04/21
Replies: 71
Views: 9903

Re: $1200 stimulus to drop into my account 01/04/21

I also plan to donate my stimulus money. In fact, I "pre-donated" $300 this week to take advantage of the CARES tax deduction. Many people are having a hard time this year. Those of us with economic security should step up. I should hope that the majority of BH folks will pass along whate...
by DoTheMath
Wed Dec 30, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8319

Re: 6 years to college degree?????

I dont understand how the cost of college tuition has risen 212% over the last 20 years while athletics have made more money than every for the most schools over the same period...one of my many questions...but...above my pay grade FOR SURE... I'm not sure what you're saying, but the vast majority ...
by DoTheMath
Wed Dec 30, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: $1200 stimulus to drop into my account 01/04/21
Replies: 71
Views: 9903

Re: $1200 stimulus to drop into my account 01/04/21

I also plan to donate my stimulus money. In fact, I "pre-donated" $300 this week to take advantage of the CARES tax deduction. Many people are having a hard time this year. Those of us with economic security should step up. I should hope that the majority of BH folks will pass along whatev...
by DoTheMath
Thu Dec 24, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

So how are these extra apps for password management "better" than simply storing your passwords in your browser with a primary password? For a specific example, how is 1Password more secure than Firefox? I can't speak to the quality of Firefox's security. Assuming it is to a comparable st...
by DoTheMath
Wed Dec 23, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8319

Re: 6 years to college degree?????

I am seeing the opposite in High School now. For the children's junior and senior year they are allowed to take college classes while still enrolled in their high school. Two teachers are also adjunct professors through two private colleges in the state. They can also take many online state univers...
by DoTheMath
Wed Dec 23, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

There are several good password managers out there. Both we and my parents use 1password and are very happy with it. It's well worth the nominal cost. There are many good reasons to have one. Don't get caught up in the fog of contrary opinions in other BH discussions about password managers. If you ...
by DoTheMath
Tue Dec 22, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: 6 years to college degree?????
Replies: 139
Views: 8319

Re: 6 years to college degree?????

Six years is a reporting standard. This is nothing new, has nothing to do with actual times to degree, and nothing to do with expected times to degree. In 1990 the Student Right-to-Know act set six years as the standard for reporting college graduation rates. That is, how many students have graduate...
by DoTheMath
Sat Dec 12, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: 50x milestone, and purposeful lifestyle inflation
Replies: 27
Views: 3347

Re: 50x milestone, and purposeful lifestyle inflation

Congratulations! You've clearly worked hard, saved your money, and earned the security I hope you now feel. At 50x, in your thirties, and wanting to continue to work, you can pretty much do whatever you like. Heck, at 50x you could probably double your current spending and be fine, money-wise. That ...
by DoTheMath
Mon Nov 30, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Winter in Florida
Replies: 16
Views: 1761

Re: Winter in Florida

We rented a place on St. George's Island 10+ years ago. It sounds like it might fit the bill. Lots of beach, not many people in the winter.
by DoTheMath
Mon Oct 26, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: Friend’s Investment Strategy Envy
Replies: 71
Views: 7430

Re: Friend’s Investment Strategy Envy

Random Musings wrote: Sat Oct 24, 2020 11:10 pm If only I could channel The Amazing Randi to look into this.

RM
In other sad news for 2020:

https://www.nytimes.com/2020/10/21/obit ... -dead.html
by DoTheMath
Tue Oct 20, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Security Cameras: Local DVR or Cloud?
Replies: 19
Views: 1098

Re: Security Cameras: Local DVR or Cloud?

I've done it all. Nest for the win. Great app interface and $120/year covers 60 days of events and 10 days of 24/7 history. Make sure WIFI covers the range. I ended up adding Google WIFI to expand my range to cover my entire property. For the fence, you will need power. I'd go with a trail cam for ...
by DoTheMath
Mon Oct 19, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30376

Re: Anybody here trying Coast FIRE?

This is timely for us. While on a long bike ride on a recent weekend I ran some numbers in my head. I was so startled by the outcome that I had to redo them properly once I got home. We're now to the point where we could, say, cut our savings rate in half and this would only add 2-3 years to our ret...
by DoTheMath
Tue Oct 13, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel without Permit?
Replies: 40
Views: 3857

Re: Bathroom Remodel without Permit?

Has anyone done a bathroom remodel without pulling a permit? I'm not concerned about the price of the actual permit, rather the impact this will have on my property taxes. The main advantage of having a permit, is that there will be inspections to confirm the work is up to code. If something is wro...
by DoTheMath
Mon Oct 12, 2020 1:26 pm
Forum: Personal Investments
Topic: Aunt wants help with finances, insists I get a middle name for added security?
Replies: 55
Views: 4478

Re: Aunt wants help with finances, insists I get a middle name for added security?

[OT comment removed by admin LadyGeek] Slightly more helpfully, I have no idea if this is workable, but perhaps you could file a "Doing Business As" with a middle initial/name so that you can sign documents, etc. in a way that reassures your aunt without really changing your name. ETA: I ...
by DoTheMath
Sat Oct 10, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Mountain Cabin - Where would you own?
Replies: 27
Views: 4153

Re: Mountain Cabin - Where would you own?

Question for more experienced Bogleheads. If you had the freedom to work remotely and wanted to look at owning a mountain cabin, where in the US would you look? Somewhere that has available cell phone service and high speed internet. Unfortunately our PA mountain cabin has neither. +1 If working fr...
by DoTheMath
Tue Oct 06, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Apple users, I need help!
Replies: 43
Views: 3866

Re: Apple users, I need help!

A 2017 Macbook Pro should have plenty of life in it yet. I have 2015 and it's starting to show it's age, but a 2017 should not be struggling. Remote desktop and zoom are resource hogs, but it sounds like something else is going on. Certainly the fan spinning up and draining your battery should not b...
by DoTheMath
Sat Oct 03, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner for hardwood floor?
Replies: 46
Views: 4146

Re: Robot vacuum cleaner for hardwood floor?

We've had Neato for years (two different models) and have been quite happy with them.
by DoTheMath
Thu Oct 01, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Indoor bike trainer options
Replies: 23
Views: 1680

Re: Indoor bike trainer options

As another data point: My SO has a CycleOps trainer which is compatible with Swift. Having a smart trainer is definitely worth the money. The variation in tempo and resistance helps with the monotony. I think this is very much a personality thing, but for her Swift makes it easier to overcome inerti...
by DoTheMath
Thu Oct 01, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 64
Views: 3945

Re: I need a Ladder—What type to get?

One of those adjustable ones that are a combination of an extension and a-frame? Those things are really heavy and awkward to navigate in the house. I have one, wish I didn't buy it. +1 Those Transformer ladders are less than meets the eye. We have one and find it too heavy and clumsy for most thin...
by DoTheMath
Tue Sep 29, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out refi for a rental property we're re-occupying
Replies: 5
Views: 432

Re: Cash out refi for a rental property we're re-occupying

It seems simplest to do a HELOC (or cash-out refinance) on your current home to fund the renovations, then once you move into the new place, do a cash-out refinance to pay off the HELOC. That would achieve what you want without having to get into gray areas with the mortgage lenders.
by DoTheMath
Tue Sep 29, 2020 12:01 pm
Forum: Personal Investments
Topic: is this market timing? or better
Replies: 24
Views: 1878

Re: is this market timing? or better

Of course it is market timing and historically what you're doing leaves you worse off than just putting it into the market straightaway. At the very least you should calculate for yourself if this has been better or worse than the alternative. When each dollar hit your investment account, you had a ...