Tomas Dvorak – Medium

Tomas Dvorak

Visualizing the 4% Rule

The 4% rule is a popular retirement income strategy in which retirees withdraw 4% of their initial account balance annually, adjusting the…

3 min readAug 4, 2023

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Visualizing the 4% Rule

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Tomas Dvorak

Why did some colleges rise and others fall in the rankings?

Yesterday, U.S. News came out with their annual rankings of U.S. colleges and universities. While often criticized, the rankings have an…

3 min readSep 13, 2022

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Why did some colleges rise and others fall in the rankings?

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Tomas Dvorak

How to rise in college rankings?

Implications for resource allocation within an institution.

8 min readSep 13, 2022

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How to rise in college rankings?

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Tomas Dvorak

Comparing HSAs to IRAs

It is well known that Health Savings Accounts (HSA) have significant tax advantages: contributions, earnings and withdrawals are all tax…

4 min readJan 14, 2022

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Comparing HSAs to IRAs

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Tomas Dvorak

What parents and students should know about college outcomes

Where you go to college matters a lot less than what you study.

6 min readAug 2, 2021

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What parents and students should know about college outcomes

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Tomas Dvorak

How many colleges should I apply to?

Applying to college is a high stakes game. Playing the game without knowing the odds of different outcomes seems imprudent.

4 min readFeb 2, 2021

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logos of various colleges and universities

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Tomas Dvorak
in
Towards Data Science

Tableau’s relationships are pretty cool

Unlike joining tables into flat files, relationships preserve the native granularity of data. Joins are performed only as needed.

4 min readJan 21, 2021

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Tableau’s relationships are pretty cool

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Tomas Dvorak
in
Towards Data Science

How should we aggregate classification predictions?

What if you had to predict how many passengers will survive Titanic? Are methods optimized for classification still appropriate?

8 min readAug 24, 2020

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How should we aggregate classification predictions?

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Tomas Dvorak

Cutting Salaries is Better than Cutting Retirement Plan Contributions

By cutting retirement contributions, colleges and universities are pursuing a highly sub-optimal strategy to cut costs.

4 min readJul 11, 2020

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Cutting Salaries is Better than Cutting Retirement Plan Contributions

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Tomas Dvorak
in
Nightingale

Visualizing the Collapse in Traffic Collisions During Stay-at-Home Orders

And how traffic data impacts excess deaths, one proxy for COVID-19 mortality

5 min readJul 9, 2020

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Traffic collisions declined dramatically during stay-at-home orders. The declines are concentrated in city centers.

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Tomas Dvorak

Tomas Dvorak

I am a Professor of Economics at Union College in Schenectady, NY. I spent my last sabbatical on the data science team at a local health insurer.

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