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Luminox Watch Fans: Mineral Crystals and PVD Steel?

I am in the market for a Luminox watch. Two questions for those of you who have owned one: 1. Do the ones with mineral crystals (vs. sapphire) scratch easily? 2. Do the PVD coated steel cases scratch easily, revealing the underlying silver colored steel? Any other suggestions/advice would be appreci...
by RooseveltG
Fri Apr 18, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Luminox Watch Fans: Mineral Crystals and PVD Steel?
Replies: 1
Views: 242

Re: making your own will or trust

I posted this last year: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=112087 I found an attorney who was very reasonable. She pointed out significant problems with my "do it yourself" will. With a simple estate, doing it yourself may make sense but for any complexity an attorney...
by RooseveltG
Wed Apr 16, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 1717

Re: Use Broker to buy health insurance?

Interesting, thanks.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use Broker to buy health insurance?
Replies: 2
Views: 218

Use Broker to buy health insurance?

We are purchasing health insurance from a Blue Shield plan. My wife thinks a broker is better than buying directly through the company. It sounds counter intuitive to me, but can anyone comment on their experience? Do they add value or just increase the cost?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use Broker to buy health insurance?
Replies: 2
Views: 218

Re: Purchasing Out of State Health Insurance Question

The real question for those who split time between states, is whether one needs to purchase insurance in the state where they are residents.

I also "live" in my non official residence state half the year, pay property taxes and see physicians there.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing Out of State Health Insurance Question
Replies: 2
Views: 190

Purchasing Out of State Health Insurance Question

Does anyone know if you are required to purchase health insurance in your own state. I spend 6 months in 2 different locations and the health care premiums in the state where I am not a resident are lower than the state where I am a resident. I would prefer to purchase the less expensive out of stat...
by RooseveltG
Tue Apr 08, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing Out of State Health Insurance Question
Replies: 2
Views: 190

Re: Mayo clinic is the best clinic in America ??

There are many excellent medical centers including Mayo, Cleveland Clinic, Johns Hopkins, etc. My approach as a retired physician has been to select the best physician regardless of location. Who you see is more important that where you go. Clinical experience is key. You want to see a physician who...
by RooseveltG
Fri Apr 04, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2769

Re: Worth fighting ticket to avoid points, higher insurance?

Can the downsides of extra points and the increase in insurance cost be quantitated?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Mar 05, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 2720

Worth fighting ticket to avoid points, higher insurance?

My 21 year old nephew received a traffic ticket in Alexandria, VA for going straight in a right turn only lane. The fine was $91 and 3 points were assessed against his license. He rented a zip car, drove 8 miles in D.C. traffic and went to court, however he was not called after several hours and had...
by RooseveltG
Wed Mar 05, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 2720

Re: Audiophiles: Worth upgrades to improve itune sound?

Two final questions: 1. I deduce from the answers that the Sennheisers would be a major upgrade over the Bose noise canceling headphones. I really don't need the noise canceling and prefer over the ear phones. 2. It sounds like the headphone DAC/Amplifier may not be worth it and most of the improvem...
by RooseveltG
Tue Jan 14, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1545

Re: Audiophiles: Worth upgrades to improve itune sound?

Thanks again.

Any thoughts on this scenario:

1. Convert selected albums to AAC file version in iTunes.
2. Switch to Sennheiser HD 650 Headphones
3. Consider Audioengine D3 DAC/Headphone amplifier.

Critiques or suggestions appreciated!

Roosevelt.
by RooseveltG
Tue Jan 14, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1545

Re: Audiophiles: Worth upgrades to improve itune sound?

Thanks for the info.

Will you hear improvement with a DAC/Amplifier if most of your music is mp4 files or do you need higher def files?

Roosevelt.
by RooseveltG
Mon Jan 13, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1545

Audiophiles: Worth upgrades to improve itune sound?

I am listening to music through the earphone jack on my mac with Bose noise canceling headphones. The audiophile web sites recommend a software program (like Amarra Hif) to take over itunes, a desktop DAC/Amp and better (non noise canceling) headphones. Is the sound that much better? Are these upgra...
by RooseveltG
Mon Jan 13, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1545

Wind Insurance for FL Condos?

Although this topic has been covered, I am in the market for a private insurance company to replace Citizen's for condo wind coverage.

Are there any financially solid private insurance companies that will underwrite this risk?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Dec 11, 2013 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wind Insurance for FL Condos?
Replies: 1
Views: 228

Re: What do early retirees actually do in Florida?

I spend half the year in a rust belt city with an aging population not much different than Florida but somehow it "feels" younger up North. We are in our early 60s and live between Ft. Lauderdale and W. Palm Beach. Compared to the north, the people we see in restaurants and religious servi...
by RooseveltG
Mon Dec 09, 2013 8:22 am
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13194

Re: What do early retirees actually do in Florida?

We are snowbirds, early 60s, in our 5th winter in south Florida. We still spend half the year in our rust belt home city. The Pros: 1. Amazing weather, clean air 2. No state income tax (we own a condo and are FL residents) 3. Excellent restaurants, although in our area they are fairly homogenous com...
by RooseveltG
Sat Dec 07, 2013 9:17 am
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13194

Re: Will an attached iphone drain a car's battery?

Great responses. Thank you.

Roosevelt.
by RooseveltG
Fri Dec 06, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: Will an attached iphone drain a car's battery?
Replies: 13
Views: 831

Will an attached iphone drain a car's battery?

My car has an ipod connector in the glove compartment that remains powered on even when the car is turned off. I recently attached an old iphone 3 to use as an ipod and I want to leave it in the glovebox. Does anyone know if this will drain the car's battery?

Thanks in advance.

Roosevelt.
by RooseveltG
Fri Dec 06, 2013 7:51 am
 
Forum: Personal Consumer Issues
Topic: Will an attached iphone drain a car's battery?
Replies: 13
Views: 831

What happened to Larry Swedroe's and Allan Roth's Blogs?

The links to Larry Swedroe and Allan Roth's blogs now lead to CBS news. Have their blog sites moved?

Thanks in advance.

Roosevelt.
by RooseveltG
Fri Nov 22, 2013 8:13 am
 
Forum: Investing - Theory, News & General
Topic: What happened to Larry Swedroe's and Allan Roth's Blogs?
Replies: 26
Views: 3217

Re: "EasyCare" Extended Car Warranty for New Car?

Thanks for all the responses. I never knew warranties are negotiable! I agree that warranties are not worth it for reliable Japanese cars. My own personal experiences with German cars has differed with large repair bills after the standard warranty ended. I did find out that Audi's policies are unde...
by RooseveltG
Mon Nov 11, 2013 7:42 am
 
Forum: Personal Consumer Issues
Topic: "EasyCare" Extended Car Warranty for New Car?
Replies: 22
Views: 1395

"EasyCare" Extended Car Warranty for New Car?

I am buying an Audi and the manufacturer does not offer extended warranties. The dealer sells warranties through EasyCare and Fidelity (not the mutual fund company).

Does anyone have experience with these companies? Is this a cost effective product?

Thanks in advance.

Roosevelt.
by RooseveltG
Sat Nov 09, 2013 2:47 pm
 
Forum: Personal Consumer Issues
Topic: "EasyCare" Extended Car Warranty for New Car?
Replies: 22
Views: 1395

Re: New book, new perspective on cognitive biases

I have Kahneman's book on my desk. Lauren gave me a signed by the author copy for my birthday.

I agree about loss aversion. This bias also explains Swedroe's marginal utility of wealth and need to take risk. On the other hand, it is somewhat rational to decrease your left tail risk if you can.
by RooseveltG
Mon Sep 23, 2013 9:38 am
 
Forum: Investing - Theory, News & General
Topic: New book, new perspective on cognitive biases
Replies: 27
Views: 2022

Re: Is there a way to view experts' daily posts?

Thanks for the replies.

Roosevelt.
by RooseveltG
Sat Sep 21, 2013 8:35 am
 
Forum: Forum Issues and Administration
Topic: Is there a way to view experts' daily posts?
Replies: 5
Views: 934

Is there a way to view experts' daily posts?

Is there a way to see what Swedroe/Bernstein/Ferri are writing daily without searching each thread?

Thanks in advance.

Roosevelt.
by RooseveltG
Fri Sep 20, 2013 1:08 pm
 
Forum: Forum Issues and Administration
Topic: Is there a way to view experts' daily posts?
Replies: 5
Views: 934

Re: Road Warriors: Travel with Macbook Air: Tips, Suggestion

Thanks. It is definitely for hotel use only!

Roosevelt.
by RooseveltG
Tue Sep 17, 2013 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Road Warriors: Travel with Macbook Air: Tips, Suggestions?
Replies: 13
Views: 1024

Road Warriors: Travel with Macbook Air: Tips, Suggestions?

We will be traveling to India next month and plan to stay connected with a Macbook Air (11). We will leave our iPad behind to cut down on weight. I know that I will be giving up the opportunity to read the NYT/WSJ on the iPad but will value the Macbook for e-mails and photo editing/storage. Any tips...
by RooseveltG
Tue Sep 17, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Road Warriors: Travel with Macbook Air: Tips, Suggestions?
Replies: 13
Views: 1024

Re: NYTimes Article: Timing of Returns in Retirement

This article confirms my own approach. I retired in 2008 at age 56 with a 60/40 (Equity/FI) portfolio and 40 years of spending. I held firm during the financial crisis but the experience was very stressful. I considered rebalancing into stocks but was dissuaded by the Pascal's Wager argument that th...
by RooseveltG
Sun Sep 15, 2013 7:57 am
 
Forum: Investing - Theory, News & General
Topic: NYTimes Article: Timing of Returns in Retirement
Replies: 69
Views: 6652

Re: Is it this easy: Stocks are safe, bonds are risky?

My real point is that there seems to be a general complacency about the safety and returns of stocks, especially compared to bonds. That may just be a psychological result of the rebound in the markets since the financial crisis.

Roosevelt.
by RooseveltG
Fri Aug 30, 2013 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 3542

Re: Is it this easy: Stocks are safe, bonds are risky?

I was not joking or baiting. I talk to many professionals and close to 100% are complacent about stocks and convinced interest rates will rise and bonds will fall. Even unsophisticated investors share that outlook. Aside from this forum, I have never seen this degree of consensus. It seems to be a m...
by RooseveltG
Fri Aug 30, 2013 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 3542

Is it this easy: Stocks are safe, bonds are risky?

The future is unknowable but we seem to have entered an era where the consensus is that stocks will generate positive real returns and bonds will not. Stocks are now "safe" and bonds are risky. Is this a consequence of the interest rate cycle (and the Fed) or has the paradigm actually chan...
by RooseveltG
Fri Aug 30, 2013 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 3542

Break Even Point for Bond Portfolio Management Fees?

I have considered using a professional to manage my bond portfolio. With low interest rates, can a manager add enough extra value to cover the cost?

Thanks in advance.

Roosevelt.
by RooseveltG
Sat Aug 10, 2013 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Break Even Point for Bond Portfolio Management Fees?
Replies: 2
Views: 506

Monte Carlo Simulator for today's low yields?

I have used the T. Rowe Price Monte Carlo simulator but I believe it uses past data. Are there any good simulators that account for interest rates this low or is that scenario already incorporated into the simulators that are out there?

Thanks in advance.

Roosevelt.
by RooseveltG
Fri Aug 02, 2013 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulator for today's low yields?
Replies: 6
Views: 837

Re: Liability Matching Portfolio: Reality for the Long Term?

This gets to the heart of how much risk to assume. Swedroe and Bernstein make the point that if you have already won the game, why are you still playing? With a liability matching portfolio, you lock your gains in, purchase a bond floor and assume inflation risk if you do not have enough equity. Wit...
by RooseveltG
Wed Jul 31, 2013 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio: Reality for the Long Term?
Replies: 50
Views: 3622

Care and Maintenance of Liability Matching Portfolios

Having "won the game" at age 60 with savings of 40X earnings, I moved to a "Liability Matching Portfolio" a year ago after reading William Bernstein's e-book and Larry Swedroe's books. This reduced my asset allocation to 33% equity at the time, which has rebounded to 37.5%. Do yo...
by RooseveltG
Tue Jul 30, 2013 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Care and Maintenance of Liability Matching Portfolios
Replies: 5
Views: 476

Re: Swedroe's 20 basis point rule and VG Tax Exempt Muni Fun

Larry: Thank you for the clarification.

The million dollar question and probably one without an answer: Are investors extending to intermediate maturities being adequately compensated for the duration risk?

Roosevelt.
by RooseveltG
Mon Jul 29, 2013 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe's 20 basis point rule and VG Tax Exempt Muni Funds
Replies: 6
Views: 1821

Swedroe's 20 basis point rule and VG Tax Exempt Muni Funds

I recall Larry Swedoe recommending that one should gain 20 extra basis points in yield for each additional year of duration. Here is the calculation for Vanguard's tax exempt bond funds (if I am understanding this correctly): Short, Limited, Intermediate Yield 0.42%, 0.87%, 2.37% Duration 1.2, 2.4, ...
by RooseveltG
Mon Jul 29, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe's 20 basis point rule and VG Tax Exempt Muni Funds
Replies: 6
Views: 1821

Optimal Bond Portfolio for the Recently Retired?

Stock portfolio recommendations are fairly uniform (US, Internationals, REITS. small cap/value tilts) but the gurus recommend different bond portfolios. The average investor needs to choose duration, credit risk and whether to own a total bond market fund because of the inclusion of mortgage backed ...
by RooseveltG
Sun Jul 28, 2013 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Optimal Bond Portfolio for the Recently Retired?
Replies: 27
Views: 2863

Re: Jason Zweig Article on Shallow & Deep Risk

To me, the article suggests the need for a higher stock allocation rather than a "liability matching portfolio" when you have enough.

Roosevelt.
by RooseveltG
Sun Jul 28, 2013 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig Article on Shallow & Deep Risk
Replies: 45
Views: 6859

Re: Critique this Stock & Option Strategy?

Here is a response from my friend: My advisor set up funds to mimic large, mid & small cap funds. I took courses & decided to actively manage it myself. "I started small, & gradually increased, comparing my results with the type of portfolio you described. I do have some internation...
by RooseveltG
Sat Jul 20, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Critique this Stock & Option Strategy?
Replies: 33
Views: 1893

Critique this Stock & Option Strategy?

A professional colleague disagrees with my (Bogleheads) indexing philosophy and sent this synopsis of her methods: "As to my personal investing, I prefer diversified categories of growth stocks, dividend bearing stocks, options-- typically vertical spreads & covered calls, and naked puts if...
by RooseveltG
Sat Jul 20, 2013 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Critique this Stock & Option Strategy?
Replies: 33
Views: 1893

Radio Frequency Identification (RFID) Wallets?

Travel stores are selling wallets and travel pouches to protect personal documents from being scanned by radio frequency identification (RFID) readers. Is this a real risk and should one consider purchasing products with RFID protection?

Thanks in advance.

Roosevelt.
by RooseveltG
Thu Jul 18, 2013 9:52 am
 
Forum: Personal Consumer Issues
Topic: Radio Frequency Identification (RFID) Wallets?
Replies: 10
Views: 1004

Re: Fitness Wristbands??

I received a Fitbit Flex as a gift. My only real complaint is that each arm movement counts as a step. As an example, I was on a long drive and noticed that I had walked 300 steps while sitting in my car!

It does motivate me to walk more but is only a rough estimate of actual activity.

Roosevelt.
by RooseveltG
Sun Jul 14, 2013 8:41 am
 
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 1505

Passport Expediting Services

Does anyone have experience with passport expediting services? Between FedEx and service fees, they add about $150+ in cost but significantly speed up the process.

Unfortunately our passports were lost in the mail and we need replacements quickly.

Thanks in advance.

Roosevelt.
by RooseveltG
Mon Jul 08, 2013 7:28 am
 
Forum: Personal Consumer Issues
Topic: Passport Expediting Services
Replies: 12
Views: 812

Re: Use of Copyrighted Materials for On Line Presentations?

Thanks for the responses.

Another question. Can you place a quote from a Warren Buffett or Larry Swedroe in a presentation? I would be attributing the quote to the author.

Roosevelt.
by RooseveltG
Mon Jul 01, 2013 10:59 am
 
Forum: Personal Consumer Issues
Topic: Use of Copyrighted Materials for On Line Presentations?
Replies: 9
Views: 756

Use of Copyrighted Materials for On Line Presentations?

I am considering developing an on line course and would like to display copyrighted charts, cartoons, etc. from other publications. Is there a way to legally use these materials without copyright infringement? Do you have to receive permission from each original source? Thanks in advance. Roosevelt.
by RooseveltG
Mon Jul 01, 2013 8:02 am
 
Forum: Personal Consumer Issues
Topic: Use of Copyrighted Materials for On Line Presentations?
Replies: 9
Views: 756

WiFi 802.11 AC: Is it really faster? Worth It?

Apple is now selling notebooks and routers with WiFi 802.11AC with speeds "up to 3 times faster" than older WiFi standards.

Will users actually see any difference in speed by upgrading or is the improvement imperceptible?

Thanks in advance.

Roosevelt.
by RooseveltG
Tue Jun 11, 2013 10:24 am
 
Forum: Personal Consumer Issues
Topic: WiFi 802.11 AC: Is it really faster? Worth It?
Replies: 15
Views: 1079

Aftermarket Backup Cameras for Cars

I am interesting in adding a backup camera to an older car for safety reasons and parking. Any recommendations or suggestions?

Thanks in advance.

Roosevelt.
by RooseveltG
Sun May 12, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: Aftermarket Backup Cameras for Cars
Replies: 3
Views: 482

Re: Dining out : Special requests

My diet is close to the Ornish diet so I always have special requests. Most restaurants can accomodate but I do run into an occasional chef who digs his heals in. I usually go with the flow but never return when that happens. A bigger issue I have is with weddings, etc. I usually call the restaurant...
by RooseveltG
Mon May 06, 2013 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 3087

Re: Jason Zweig on Financial Literacy Education

This winter I took a 9 hour finance course at our local university. The teacher was a relatively knowledgeable CFP, except for 1 major flaw. He failed to even mention indexing or index funds. During class he argued that there is no data to support indexing over active management and he could identif...
by RooseveltG
Sun May 05, 2013 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig on Financial Literacy Education
Replies: 31
Views: 2608

Re: [physician wants to explore career options]

You may want to consider working with a career coach advising physicians. I was ready to leave medicine 12 years ago. Coaching helped me to identify what I liked about practicing and the alternatives. It also made me realize I had a choice and the grass was not greener elsewhere. You may also be bur...
by RooseveltG
Thu Apr 25, 2013 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 7946
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