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best way to compare your investment ROR to a benchmark?

Hello Bogleheads! So I have a semi-tilted slice and dice portfolio with some Small Value, some REIT, some Emerging Markets, Total Stock Market, 20% Bonds, etc. A total of six funds. I wanted to figure out an easy way to compare my portfolio to a benchmark like a the target retirement fund that holds...
by ProfessorX
Fri Jun 20, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: best way to compare your investment ROR to a benchmark?
Replies: 2
Views: 220

Re: advice regarding hard to find HVAC freon leak

While one can't argue with the level of bogglehead enthusiasm, perhaps asking the question at a site such as http://diy.stackexchange.com/ or http://hvac-talk.com/vbb/ might result in a more focused answer. Thanks! I already got help here and elsewhere that answered my questions. And I posted the r...
by ProfessorX
Tue Jun 10, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: Dow going to continue up?

Do any of you think these comments from here are valid? http://finance.yahoo.com/blogs/talking-numbers/we-are-about-to-enter-the-greatest-bull-market-in-85-years-225051152.html It's inflation. Works the same whether more dollars are chasing the same number of widgets or the same amount of stock equ...
by ProfessorX
Mon Jun 09, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1641

Re: advice regarding hard to find HVAC freon leak

A "secret warranty" is one not included in your documentation but given by a manufacturer when you ask because they have had numerous problems with the equipment. They don't want to publish it, but it mysteriously it is given if you push them a little. Very common in the car industry. Als...
by ProfessorX
Wed Jun 04, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for all your help!
by ProfessorX
Wed Jun 04, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

The cost of the R-22 freon was $60.00 per pound and he put in 8 pounds. That is a steep markup. Virgin R-22 is going for under $10/lb in 30lb tanks. It's worth mentioning that there are a number of R-22 alternatives that are EPA SNAP approved and while they generally require a full pumpdown, some d...
by ProfessorX
Tue Jun 03, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Easy Seal is just a temporary fix at best. You should just go ahead and replace the coil. Check to see if you have a warranty on the coil (manufacturer will tell you - sometimes there are "secret" warranties). If so, you may just have to pay for labor. Thanks! What is a "secret"...
by ProfessorX
Mon Jun 02, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: question about Dependent Care Flexible Spending Account

Thanks! I will call both our jobs to ask too!!!
by ProfessorX
Thu May 29, 2014 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 568

question about Dependent Care Flexible Spending Account

Hello! I work at a big University. So I am able to put money into things like a "Dependent Care Flexible Spending Account". Recently my wife was also offered the opportunity to pay into such an account at her job. Here are the contribution restrictions on such an account from my Job: Singl...
by ProfessorX
Tue May 27, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 568

Re: advice regarding hard to find HVAC freon leak

Thanks for everyone's help! An HVAC tech came over with a leak detector and found out that my coils leak. Someone else recommended to me this product "easy seal". It is some kind of additive: http://www.amazon.com/Nu-Calgon-EasySeal-Total-System-Protection/dp/B005DTLM1O Some people say its...
by ProfessorX
Sun May 25, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: The Three Fund Portfolio: "Make more money and worry les

If you're investing for a long-term goal such as retirement, then keeping it simple with a portfolio of three to six broad-based, low-cost mutual funds can pay off in the long run. Rebalance on occasion, and you'll be well on your way.


I'm closer to the six funds.
by ProfessorX
Tue May 20, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio: "Make more money and worry less"
Replies: 8
Views: 2540

Re: advice regarding hard to find HVAC freon leak

accidental double post
by ProfessorX
Tue May 20, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for your feedback! I am researching purchasing a whole new HVAC system now. (Not sure what I am going to do.) Does anyone know what are good brands of manufacturers that make HVAC systems? Is Lennox good? Coleman? Other brands? What is a good way to research HVAC brands? One guy q...
by ProfessorX
Tue May 20, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

FWIW my leak was so slow the refrigerant sniffer did not find it - and the tech said it was good down to ppm levels. This is not a DIY project IMHO. When they evacuate and pressure test, they can isolate the inside coil, outside heat exchanger, and lines between the two. Thus narrowing the search d...
by ProfessorX
Tue May 20, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Had a new Carrier unit put in about two years ago. It did not seem to be running quite right so I called the same company who installed it for an inspection. Service tech found the refrigerant was quite low. The service tech went into my attic where the air handler is located and used a small elect...
by ProfessorX
Tue May 20, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Yeah HVAC techs where I live charge $80+ an hour. Their leak checking visual inspection with soapy water last year took several hours. The use of soap bubbles seems pretty strange to me. There are all sorts of relatively inexpensive devices available for refrigerant detection that would be far fast...
by ProfessorX
Mon May 19, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Yeah the builders who bought my HVAC unit probably bought it because they got it on clearance because it uses R-22. LoL.
by ProfessorX
Mon May 19, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Is the system not under warranty? If it is, putting in the dye may void the warranty. I had a similar problem and it turned out that the leak was in the inside coil. The pressure test did not reveal a thing until they sent out another tech who turned on my furnace (in July). Once the interior coil ...
by ProfessorX
Mon May 19, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Yeah HVAC techs where I live charge $80+ an hour. Their leak checking visual inspection with soapy water last year took several hours. The guys I have been using said the R-22 coolant is very expensive because of the EPA restrictions on it nowadays. They have big maintenance contracts with office bu...
by ProfessorX
Mon May 19, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: advice regarding hard to find HVAC freon leak

Professor, I am worried about this "banned substance". Is it potentially harmful if leaking to you or others? Also, if the pressure test shows there is a leak, will it actually localize it or just confirm it? Because after that I assume it would have to be located. R-22 is being phased ou...
by ProfessorX
Mon May 19, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

advice regarding hard to find HVAC freon leak

Hello, I have a five year old new construction house with a leaky freon HVAC. (It uses the banned R-22 kind too.) Last year they filled up the freon and did a human inspection for leaks (with no high tech leak finders) for $350. This year the freon is about half empty and they want to do a pressure ...
by ProfessorX
Mon May 19, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2794

Re: madsinger monthly report (January 2014)

Thanks!

Anyone know what is in the "Hot Hands" portfolio?
by ProfessorX
Tue Feb 04, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 3703

Re: Bought in, and then they start tumbling

What do I do? First thing, whenever I make a large contribution I also "rebalance my AA". So even if the market starts tumbling, and it was high, I likely sold stocks and bought Bonds and I remind myself that I just took some stocks off the table. Second thing, I never buy stocks if I don'...
by ProfessorX
Tue Feb 04, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6579

Re: Keurig vs normal coffeemaker?

I've had my Keurig for over six years, using it every day several times. It is still going strong. I know other people whose broke after a while though. The machines are not too expensive though.
by ProfessorX
Sat Feb 01, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 7881

Re: Keurig vs normal coffeemaker?

I don't understand the comments about being able to make a single cup without wasting the rest of the pot. I make a single cup of great tasting coffee every morning in our 12-cup coffee maker, with no waste. You don't have to brew a full pot just because that's the max. When we've stayed with frien...
by ProfessorX
Sat Feb 01, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 7881

Re: Keurig vs normal coffeemaker?

If you only drink one cup a day you don't end up throwing out the eleven cups you didn't drink from your twelve cup coffee maker. Now if you drink twelve cups a day, the one cup Keurig is not the best idea. I have a keurig and this is not true IMO. They make decent coffee. This is coming from someo...
by ProfessorX
Sat Feb 01, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 7881

Re: Will Vanguard Asset Management keep legacy assets?

toddclaussen wrote:I know I should be asking VG this question, but nobody will call me back!


Did you tell them it's about transferring substantially more than $800K? They called me back numerous times, and assigned me a transfer advisor, about transferring a small fraction of that amount.
by ProfessorX
Thu Jan 30, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard Asset Management keep legacy assets?
Replies: 3
Views: 509

Re: My annualized returns are better than yours. Why?

krick wrote:
kerplunk wrote:Image

kerplunk, if you don't mind me asking... What software/site did you use to generate these images?


That's just the google finance web interface. Plus any random free screen grab image utility.
by ProfessorX
Wed Jan 29, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6737

Re: TurboTax discount for Vanguard users

Nice! Thanks! That's a good discount!
by ProfessorX
Wed Jan 29, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: TurboTax discount for Vanguard users
Replies: 2
Views: 437

Re: 2013 TurboTax: Which Product? New Rules?

Kevin... Thanks for your thorough and thoughtful response. My response was removed by the admin because it was not in response to a factual error. Nevertheless, your response is much better than mine. My effort to provide meaningful responses to questions posted here is quite frustrating. Bob Meigh...
by ProfessorX
Wed Jan 29, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: "MyRA": in addition to the limits of ROTH and 401k?

IFKC wrote:What legislation is pending? This is an Executive action, not Congressional legislation.

Seriously, I don't see the threads. Can you point to one?


That's a slight technicality that is not currently allowed by the site administrators, since it is a pending action.
by ProfessorX
Wed Jan 29, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4540

Re: 2013 TurboTax: Which Product? New Rules?

And I was wondering if I can download my tax information from the "web edition" from previous years into the "download edition" for this year? bmeighan has answered your question. See this post. http://www.bogleheads.org/forum/viewtopic.php?p=1941770#p1941770 In a follow up, he ...
by ProfessorX
Wed Jan 29, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: "MyRA": in addition to the limits of ROTH and 401k?

It is against the TOS to discuss pending legislation.
by ProfessorX
Wed Jan 29, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4540

Re: 2013 TurboTax: Which Product? New Rules?

Sorry if I am confusing people with my posts. Here is what I wanted to know. In previous years I have used the turbo tax "web edition" (https://turbotax.intuit.com). This year, as a result of the price increases for people with investments on the "web edition", I am thinking abou...
by ProfessorX
Wed Jan 29, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: 2013 TurboTax: Which Product? New Rules?

The transfer from 2012 will carry all historical information to 2013. That includes all key data from earlier years provided you used TurboTax in those years. This is no different than year over year transfer that you've done in the past. Bob Meighan, VP TurboTax Thanks! So it doesn't matter if I s...
by ProfessorX
Wed Jan 29, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: 2013 TurboTax: Which Product? New Rules?

If I have been using the web site for a while, and I use the download purchase this year due to the gauging tactics, then will the program be able to see all my info from previous years? Thanks! What does see mean? I don't use the program, but can you not go look at your 2010 return in the cloud? I...
by ProfessorX
Wed Jan 29, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: 2013 TurboTax: Which Product? New Rules?

If I have been using the web site for a while, and I use the download purchase this year due to the gauging tactics, then will the program be able to see all my info from previous years? Thanks!
by ProfessorX
Wed Jan 29, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 31629

Re: Family Inheritance / (Family Feud)

Impossible to say without looking at the specific trust. Who has the legal papers? Your Mom should consult a lawyer.
by ProfessorX
Tue Jan 28, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Inheritance / (Family Feud)
Replies: 16
Views: 2859

Re: My annualized returns are better than yours. Why?

Not a troll. Serious seeker/learner. Thank you all for the insight. I am admittedly new here and ignorant, but am quickly learning. My wife and I have been on the actively managed advisor route since 2008. Here's a better snapshot of our financial situation: Emergency fund: 6 months Debt: 40K mortg...
by ProfessorX
Tue Jan 28, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6737

Re: Age in Bonds - Who Follows a Different Strategy?

I have tenure so I figured I should take some more risk. Currently 20% Bonds. Not counting Social Security
by ProfessorX
Tue Jan 28, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6973

Re: Mortgage shopping? Online vs local?

I work at a bank and originate mortgages and I have a few insights here: 1. Your realtor wants you to work with a local lender most likely because a lot of the big banks have gotten really bad raps in the industry (mainly among realtors who see a lot of closings) for not closing on time. This can b...
by ProfessorX
Tue Jan 28, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage shopping? Online vs local?
Replies: 23
Views: 1172

Re: My annualized returns are better than yours. Why?

It sounds like the OP got robbed and was deluded about it. He or she is whistling down the street smiling about a very high risk portfolio with substantially lower than average returns for the level of risk taken.

OP please read the Boglehead wiki and save yourself some money.
by ProfessorX
Tue Jan 28, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6737

Re: Mortgage shopping? Online vs local?

First point, your realtor (the buyers agent) is primarily concerned with making the transaction happen because that is how they make their money. If the deal doesn't go down then they have wasted a whole lot of time with nothing to show for it. They are not and never will be on your side, even thoug...
by ProfessorX
Tue Jan 28, 2014 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage shopping? Online vs local?
Replies: 23
Views: 1172

Re: USAA for term life insurance?

EmergDoc wrote:One of my two policies is with USAA.

How does an insurance policy weasel out of paying for a dead guy? It's pretty black and white. This isn't disability insurance. Did you lie on your application or something?


You see insurance companies trying to do it all the time on TV shows.
by ProfessorX
Thu Jan 23, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 1077

Re: USAA for term life insurance?

Thanks for everyone's comments! I guess I'll wait to see what USAA says after everything is done and the final paperwork is in my hands. If the quote doesn't change I'll use them.
by ProfessorX
Thu Jan 23, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 1077

Re: USAA for term life insurance?

mickeyd wrote:
they say most term policies don't pay if it's a suicide.


I thought that all LI policies had this provision.


The USAA rep told me on a recorded line that they still pay after two years into the policy. I didn't read the paperwork yet though.
by ProfessorX
Thu Jan 23, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 1077

Re: USAA for term life insurance?

USAA also told me they cover you in the case of suicide after the first two years of the policy because a lot of their military members worry about PTSD... Not that anyone wants that but they say most term policies don't pay if it's a suicide.
by ProfessorX
Thu Jan 23, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 1077

USAA for term life insurance?

Anyone use them for term life insurance? I have two questions. I got a very nice quote from them. It was lower than or equal to the best quotes on termforsale.com for someone at in the top health category at my age. Is it OK to just use USAA without getting additional actual quotes? (I took me over ...
by ProfessorX
Thu Jan 23, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 1077
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