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Re: Tiny House Movement

Interesting. I think different people just feel comfortable in different size spaces. Some like to have wide open spaces so they don't feel cramped. Others like a house that's built like a glove or a sailboat. Compact footprint and don't have to walk far from one space to another. I lean toward the ...
by czeckers
Fri Jul 11, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15696

Re: Convince me to choose a Suburban over a Sequoia

If rear wheel drive isn't a deal breaker, the Nissan NV 3500 is a large van that can easily handle a large family and all the stuff that comes with it on trips. We have over 20,000 miles on ours now and absolutely love it.

-K
by czeckers
Sun May 18, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4052

Re: Let's compare 2013 effective tax rates

It's not clear to me how your effective rate can be higher than your marginal tax rate.
by czeckers
Wed Apr 16, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2773

Re: LED bulb prices

If CFLs lasted their stated duration, then I'd say they are still the better deal despite their drawbacks such as long warm-up period when it's cold out and not playing nice with motion sensors and dimmers. However, I definitely find that, while some last a long time and I haven't replaced them in 5...
by czeckers
Mon Apr 07, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 13732

Re: Term Life Insurance - Young Couple in 20's

I'd recommend serious consideration to covering your spouse as well as you had outlined in your plan. In the event of the unthinkable, you will be faced with the choice of paying for childcare, cutting back your hours, or some combination of both. Either way, the life insurance policy will give you ...
by czeckers
Fri Apr 04, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 11
Views: 734

Re: somoene filed a return with my spouses SSN?

Sounds like identity theft. Ppl file a fraudulent tax return with a refund due and collect the refund. Notify IRS immediately and freeze all credit. Good luck.
by czeckers
Fri Apr 04, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 2410

Re: Preventing Office Theft of Food and Other Stuff

I once ate someone's sandwich by accident. I'd always leave the plastic grocery bag with the lunch my wife packed in the crisper drawer of the communal fridge. She'd always take a bite out of it to assure me it wasn't poisoned. Well, one day, I open the drawer, pull out the bag and start eating. I n...
by czeckers
Thu Apr 03, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 6674

Re: Lazy portfolios: no returns or risk information

Frans, you seem capable to find the information you requested by yourself and to do the necessary calculations. It is not clear to me anymore what it is you're looking for. I wish you much luck and success with your investments.

Boy I sure could use an uplifting Munchkinman post right now.
by czeckers
Tue Apr 01, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: Lazy portfolios: no returns or risk information

Frans, any backward looking evaluation will be heavily skewed by the most recent returns. You can see this by playing with TrevH's/Simba's spreadsheet. Look at some sample portfolios for the dataset 1972-2007 and then again 1972-2008. You'll see that just one year in a dataset spanning 35 years chan...
by czeckers
Tue Apr 01, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: Lazy portfolios: no returns or risk information

True. However, even if we had 100 years of pristine data, I'm not sure that would be enough. The past is not prologue. Even with precise data, you're still left with making generalized assumptions about the future.
by czeckers
Sun Mar 30, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: New Friends are the Anti-Bogleheads, what to do?

Let's say hypothetically you broached the subject and they listened and took your advice and you suggested a perfectly well balanced and diversified 3 fund portfolio consisting of all index funds and it was beginning of 2013. A year later they'd be angry that the return on their portfolio was half o...
by czeckers
Sun Mar 30, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8860

Re: Lazy portfolios: no returns or risk information

I'd add that testing portfolios under various known historical conditions such as high inflation periods for example can be useful.
by czeckers
Sun Mar 30, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: Lazy portfolios: no returns or risk information

To the OP, past returns and standard deviation for any of the mutual funds that you might use to recreate any of the model portfolios are easy to come by via any of the financial web sites. Furthermore, there are places that update the performance of the lazy portfolios on an annual basis. You can g...
by czeckers
Sun Mar 30, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: Lazy portfolios: no returns or risk information

I think we've made the point that looking at past returns is not all that helpful. But we haven't helped with what I think is the OP's dilemma: how do you choose which portfolio is right for you? If you can't rely on that concrete value that is the past return, then what? Portfolio construction is m...
by czeckers
Sat Mar 29, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8083

Re: New partner eligible for solo 401K?

I just interviewed with a group having the exact same arrangement. All partners paid via K-1. Everyone opens their own SEP-IRA with the provider of their choice and the LLC contributes to it, with the contributions being deducted from their gross income. The max contribution is $55,000 I think so no...
by czeckers
Thu Mar 27, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: New partner eligible for solo 401K?
Replies: 14
Views: 930

Re: Anyone overbalance like the Finance Buff?

Yes, in the context of a value averaging strategy. When my portfolio value is above the value path, additional contributions stay in cash thus shifting my AA away from equities. If my portfolio value drops 20% below the value path, I shift AA from 80:20 stocks:bonds to 90:10. If it drops 40% below t...
by czeckers
Thu Mar 27, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone overbalance like the Finance Buff?
Replies: 33
Views: 2511

Re: Are people really selling at the bottom of the market ?

Look up old threads about "plan B" on this site from 2008-9. 50% market drop overall with 4% drops day after day. Leg mans closed. Real estate prices collapsing. People losing jobs, getting foreclosed upon. There was real concern that we were entering another Great Depression and that our ...
by czeckers
Sat Mar 22, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 3292

Re: Options for the medical grad but no residency

I know of someone who gave up on her OB practice and now does hospital audits for CMS.

-K
by czeckers
Sat Mar 22, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7701

Re: Where is the market heading?

I'm surprised this thread went this long without "I don't know and I don't care." 8-)

On a serious note, if your portfolio risk level is appropriate for your risk tolerance, then set it and forget it. The market will do what the market will do. There's nothing I can do about it.

-K
by czeckers
Sat Mar 08, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Where is the market heading?
Replies: 28
Views: 1622

Re: Best place to buy backpacking and camping gear

Sierra Trading Post and Campmor.com are great places to buy closeout items at a discount.

Also, REI tends to give a 20% coupon code out to its members around the time the dividend comes out. I wait to make large purchases until then .
by czeckers
Sat Mar 08, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy backpacking and camping gear
Replies: 24
Views: 1734

Re: Any Subaru owners out there?

2009 Legacy. Pros: Handles very nicely. Great in the snow. With snow tires and the stability control on, it is quite difficult to upset the car. Fun to drive. Excellent crash test ratings. Cons: The seats are smallish by American standards and very stiff which some find uncomfortable on long drives....
by czeckers
Fri Mar 07, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4739

Re: Your stock/bond mix for those ~20 yrs from retirement

20-25 years out but only started investing 7 years ago but with a high savings rate. Currently portfolio is still relatively small relative to income so comfortable being 80:20 stocks:bonds. My plan is to decrease stocks by 10% every 5 years beginning 5 years from now, until I get to 50:50 and hold ...
by czeckers
Fri Mar 07, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 2949

Re: VIN Etching on Auto glass

There are multiple locations of VIN number plates in cars. In addition to the standard place on top of the dash, driver's side, there is also usually a plate on the vehicle chassis, it is stamped in a second location on the chassis, usually on or near the fire wall, and also on the engine. Each manu...
by czeckers
Sat Mar 01, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: VIN Etching on Auto glass
Replies: 14
Views: 944

Re: "The White Coat Investor" -- A Gem

I (finally) received the book in the mail yesterday (because of ground shipping) and am already half way through it. I'm finding it to be an outstanding book. It is very well organized and written. The topics receive the through in-depth treatment that we have become accustomed to from Dr. Dahle bot...
by czeckers
Sat Feb 22, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: "The White Coat Investor" -- A Gem
Replies: 14
Views: 4615

Re: Should I become sole provider for fiance?

I'm surprised you're buying her groceries. If I were in her position, I'd have a part time job or two to help support myself so as not to be a burden. Your scenario doesn't quite add up and I think that's why you're getting so many absolutely no responses. If it is as stated, she sure is taking adva...
by czeckers
Sun Feb 16, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6309

Re: Keurig vs normal coffeemaker?

I consider Keurigs to be a triumph of marketing.

Yes, it is convenient if you're just making one cup, but it makes for some pretty expensive coffee.

There are regular coffee makers that just make 4 or 5 cups when full. These lend themselves nicely to making just one or two servings at a time.

-K
by czeckers
Tue Feb 04, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 7796

Re: VWO seems cheap right now

Ho hum. Rebalancing into VEIEX. It's nice to have a place to put new contributions where you feel you're getting a good deal.

-K
by czeckers
Mon Feb 03, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 125
Views: 14106

Re: U.S. stocks in freefall

I do get nervous when there are a lot of 100% stock threads.

I'd say a better "buy" indicator would be the number of "plan-b" threads -- that's real panic.

-K
by czeckers
Mon Feb 03, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 125740

Re: Need advice to train 5-years old investor

Someone had a really nice post on here a few years back. The plan was to give a $10 allowance but then deduct $1 for taxes. Of the remaining $9, set aside 1/3 each for charity, savings, and spending. They then matched the savings contributions 1:1 in the savings account. One interesting wrinkle they...
by czeckers
Thu Jan 30, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice to train 5-years old investor
Replies: 30
Views: 1838

Re: Need advice to train 5-years old investor

My kids are 1-10 years old. They don't really have a lot of wants as we mostly watch TV shows via Netflix or DVDs so they aren't exposed to commercials. Whenever they get money (i.e. birthdays), they have the option of keeping up to 25% as spending money and the rest goes into an online savings acco...
by czeckers
Thu Jan 30, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice to train 5-years old investor
Replies: 30
Views: 1838

Re: Not happy with market

I think it's a big mistake for someone new to investing to be 100% stocks -- no matter their age or investing horizon. I think a much better place to start is say 50% stocks/50% bonds for a few years until one gets a feel for how the market fluctuates and their own risk tolerance. Then they can adju...
by czeckers
Thu Jan 30, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13308

Re: How to achieve a 10% allocation in REITs

REIT valuations are not super cheap at this point so I would buy into them over 5 years. They definitely should be hald in a tax-deferred acount such as an IRA.

-K
by czeckers
Thu Jan 30, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve a 10% allocation in REITs
Replies: 11
Views: 893

Re: Bonds - Throw it all on the table!!!

1) VG inter-term treasury bond fund -- I have an agressive slince-n-dice portfolio on the stock side so am going for maximum safety on the bond side. 2) All investments are in tax-deferred retirement accounts 3) Fixed income = 20% 4) Age-15 in bonds, adjusted every 10 years on 35th, 45th, 55th birth...
by czeckers
Thu Jan 30, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14649

Re: Spreadsheet for backtesting (includes TrevH's data)

Got it, thanks.

Again, a heart felt thank you to all who have worked so much to make this wonderful resource available to all of us. Special thanks to Simba, JonoJono, Serbeer and Lady Geek.

-K
by czeckers
Thu Jan 30, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 602
Views: 364558

Re: Spreadsheet for backtesting (includes TrevH's data)

Where can I find a link to the most recent update (13c mentioned in the preceding post)? The wiki just links back to this thread.

-K
by czeckers
Tue Jan 28, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 602
Views: 364558

Re: Did you have a Lousy Job as a teen / young adult?

In high school I had one of the best jobs (I think) you can have as a teenage male: lifeguard. However, when I got to college, though I continued to work as a lifeguard as well as campus security, our school was one of the last to finish at the beginning of the summer so all the lifeguard jobs were ...
by czeckers
Mon Jan 20, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 5326

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

Mathematically, assuming that you get the same after tax rate of return, the choices are equal over the remaining duration of your mortgage. However, assuming you are alive well beyond the duration of your mortgage, the compounding factor of investing the money vs paying down the mortgage swings the...
by czeckers
Sat Jan 18, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 7640

Re: Best choice for 100% Stocks?

If I were 100% stocks, I would want significant representation of as diverse a group of companies as possible. One approach is the total world index fund strategy where you have a cap weighted representation of the global markets. However, this strategy will leave you heavily exposed to large compan...
by czeckers
Fri Jan 10, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4601

Re: 100% Stock Portfolio in Small Cap Value??

I would say bad idea given the significant outperformance of small cap value over that last decade. Yes, in the PAST the SCV porfolio has been superior, but, given the relatively higher starting valuations today, that outperformance is much less likely to continue into the future. It's one thing to ...
by czeckers
Tue Jan 07, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio in Small Cap Value??
Replies: 42
Views: 3815

Re: The Funniest Movie Ever

All excellent suggestions.

I'd also add the Austin Powers movies.

I loved the Man with the One Red Shoe.

Also off the beaten path, I enjoyed "The Gods Must Be Crazy"

-K
by czeckers
Thu Jan 02, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 11366

Re: What does a Bogle TV look like?

If you have a room you can darken, you can't beat a projector inch for inch. I have one in my basement and the entire wall is my screen. However, I'm not sure it's wise to put all your eggs in one basket. Perhaps it's better to buy several high quality TVs from different brands (preferably at a disc...
by czeckers
Thu Jan 02, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4236

Re: Getting Best Price for a Prescription Drug

I am continually surprised by how much the cost of specific prescription drugs varies from pharmacy to pharmacy. Often times an insurance company will contract with a specific mail-order pharmacy where you can get a 90 day supply at a discounted rate. However, most insurers will require you to fill ...
by czeckers
Thu Jan 02, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 5125

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1528: the first number that popped into my head. What is the current valuation again?

-K
by czeckers
Thu Jan 02, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 12197

Re: What Was Your Best Portfolio move in 2013

Stuck to my plan. Rebalanced with new money every month -- mostly buying bonds and EM.

It was actually nice not having to worry about whether US stocks are overvalued or not -- didn't matter, I wasn't buying them.

-K
by czeckers
Fri Dec 27, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7573

Re: 2014 Boglehead Predictions Thread

I predict something unexpected will happen that will result in an unanticipated change in the direction of the markets.

Not very interesting I know.
by czeckers
Tue Dec 24, 2013 10:27 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 5186

Re: "What Vanguard Founder Would Have Done Differently"

Q: Why don't more money management companies follow Vanguard's lead? Because they want to make money for themselves and for their owners. Forty of the 50 largest mutual fund companies are either publicly owned or owned by and large by financial conglomerates. And when they come into this business t...
by czeckers
Tue Dec 24, 2013 9:42 am
 
Forum: Investing - Theory, News & General
Topic: "What Vanguard Founder Would Have Done Differently"
Replies: 17
Views: 2188

Re: [Billionaire Boglehead!!! How to allocate your portfolio

At a billion dollars, I surely could live off the "interest on the interest." More practically stated, I could live off of a fraction of the dividends. Thus, income generated from the portfolio would be secondary to a bequest motive, effectively making the investing time horizon infinite. ...
by czeckers
Tue Dec 24, 2013 9:29 am
 
Forum: Investing - Theory, News & General
Topic: [Billionaire Boglehead!!! How to allocate your portfolio?]
Replies: 4
Views: 799

Re: Another CAPE milestone breached - 26

Let's see, I've been buying bonds, developed and emerging international, and REITs all year. Certainly no worries about buying US stocks with a high PE. Ah the beauty of rebalancing -- thank you Bogleheads.

-K
by czeckers
Tue Dec 24, 2013 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2463

Re: [Are there any] Billionaire Boglehead!!!

I think this theoretically could work if each generation has only one child. Otherwise, the dilution factor of dividing the wealth by more and more family members with each successive generation could have an insurmountable impact. Let's say on average each family member has two children at age of 2...
by czeckers
Tue Dec 24, 2013 8:30 am
 
Forum: Investing - Theory, News & General
Topic: [Are there any] Billionaire Boglehead!!!
Replies: 49
Views: 4706

Re: Commodities Funds: A Decade of Disaster

I've been thinking that since most commodity-linked investments (I.e. CCFs, precious metal mining funds, GLD) have had a pretty bad run over the last five years, now might be a good time to add a slice as a diversifier. However, it hasn't been clear to me which vehicle would be the best choice. Than...
by czeckers
Sun Dec 22, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 12612
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