Search found 835 matches

by czeckers
Sun Aug 28, 2016 5:03 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 4498

Re: Passwords

I use a password manager. There are just way too many passwords to remember. However, I never store the actual password, but rather a hint. Say I have a password that is 'fuzzy bunny', I'd write down the password as 'rabbit'. This way I can look up the password if I forget it, but the data would be ...
by czeckers
Sun Aug 28, 2016 4:47 am
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 69
Views: 5830

Re: Advice for unemployed 64-year old broke friend

I would take any job, whether it be for a temp agency or greeter at Walmart or whatever before I would ever consider asking friends/relatives for money. If you can't get the job you want, then take the job you can get.
by czeckers
Fri Aug 26, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is my salary inflated by my employer?
Replies: 26
Views: 2264

Re: Is my salary inflated by my employer?

The OP never stated that his insurance is $35,000/year. He merely stated that he has to pay 20% of the cost of the health insurance, not that health insurance is 20% of his salary. I know premiums are going up, but.... :oops:

-K
by czeckers
Fri Aug 26, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 1936

Re: Where to mount winter tires?

I store them in my garage. They certainly aren't in a climate-controlled space when they are on my car so I don't worry about that when I store them. When I get them swapped out, the garage puts the old tires in large plastic bags which keeps your from getting dirty when you handle them. However the...
by czeckers
Fri Aug 26, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 1936

Re: Where to mount winter tires?

I mount mine on the wheels. 8-) I have found Wal-Mart to be the cheapest place in my area. They charge separately for mounting and balancing. Does anyone mount tires without balancing? Tire Rack is great to get tires. If you are considering mounting the snow tires on a separate set of rims, you also...
by czeckers
Mon Aug 22, 2016 8:21 pm
Forum: Investing - Theory, News & General
Topic: Maligned sectors
Replies: 7
Views: 761

Re: Maligned sectors

No blatant opportunities right now. At the beginning of the year there was a small dip which afforded some buying opportunities and VG's precious metals mining fund was dirt cheap (VGPMX). Keep your eyes open, sooner or later an opportunity will present itself.
by czeckers
Sun Aug 21, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3721

Re: Tips for a 1000 miles car trip with toddler and baby

An upside of driving is you have your car and car seats when you get there. Juggling car seats, strollers, and 8 days worth of luggage plus the kids through the airport is doable but challenging as well.
by czeckers
Sun Aug 21, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3721

Re: Tips for a 1000 miles car trip with toddler and baby

We do this all the time. Drove NY to Orlando and back using 2 days each way. 500 mi/day is quite doable. The baby will likely sleep through a lot of it. Make sure you have plenty of baby food. Try to avoid anything that needs to be refrigerated. The 3yo is a wild card. Some do great, some are very u...
by czeckers
Wed Aug 10, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2267

Re: College major...medical

Sounds like your son is interested in healthcare but not sure which area within that large field suits him -- this is pretty typical at this point. I would recommend seeking out shadowing opportunities with a physical therapist, physician, and nurse. The training paths are different for each, and it...
by czeckers
Mon Jul 25, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Feelings changing about AA as annual savings amount increases?
Replies: 28
Views: 2490

Re: Feelings changing about AA as annual savings amount increases?

Age in bonds is a pretty good and somewhat conservative rule of thumb. Given your aversion to stocks and decreased need to take risk due to a high savings rate, I would consider this to be the starting point for any discussion about your asset allocation. Since you stated you are in your early 30's,...
by czeckers
Mon Jul 25, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: House value vs Net worth %?
Replies: 21
Views: 2333

Re: House value vs Net worth %?

Any ratio would have to be qualified with respect to age. Even with that, it's hard to have a rule of thumb that would apply to all. Someone just starting out, buying a house with 20% down and no other savings, would have all of their net worth tied up in home equity. However, with student loans, th...
by czeckers
Mon Jul 25, 2016 9:03 am
Forum: Investing - Theory, News & General
Topic: Buyers Remorse Drives Historic Capitulation in Europe Stocks
Replies: 7
Views: 1182

Re: Buyers Remorse Drives Historic Capitulation in Europe Stocks

Rebalancing is pretty nifty.

More money going into the market at the end of the month. I wonder where it will go? Europe is definitely a contender.
by czeckers
Sat Jul 23, 2016 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 6820

Re: Another Too-Much-House Thread....

Our house is 4200 sq ft. 11-13 people live in it and it still feels too big. Keep in mind that utilities, maintenance and yard work also scale up. You are probably getting cold feet because your instincts are telling you this is not a good idea. A house too big/too expensive becomes an anchor that w...
by czeckers
Thu Jul 21, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 7196

Re: Remind me once again why I can't time the market?

The market goes up on more days than it goes down. If you wait three months for the dip, the bottom of the dip can still be higher than if you had simply bought three months prior. As others have mentioned, time in the market is key. There is no way to consistently predict the future (some people ge...
by czeckers
Thu Jul 21, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9566

Re: Just got back from Europe...ready to sell my International...

International valuations are much cheaper than US. Odds are good that future long-term returns may be better for international than for US... or not.

Bottom line is nobody knows nothin', especially when the future is concerned. Have a reasonable allocation, tune out the noise, stay the course.

-K
by czeckers
Mon Jul 18, 2016 6:10 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3258

Re: Raising a reader

Start with picture books as soon as they are able to pay attention to it. They start to see that there is something colorful and interesting in a book.
by czeckers
Mon Jul 18, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3258

Re: Raising a reader

The recipe is easy: Read to them daily. Limit the amount of TV they watch. The recommendation is 1000 books before they start school, which is roughly one per day for 3-4 years. Given childrens' propensity to want to hear the same story over and over, I counted it as 1000 readings of a book, not 100...
by czeckers
Thu Jul 14, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 4498

Re: Passwords

Any concern that LastPass will get hacked, exposing everyone's passwords? There is a steady news stream of this company or that getting hacked and turning out to be not as secure as people thought it was (Snapchat stores the pics that disappear, what?). I use an app to store passwords on my phone, b...
by czeckers
Thu Jul 14, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5373

Re: Pull out of market?

Markets hitting new highs shouldn't be cause for concern. In general, the value of stocks goes up over time. In that case, new highs are the rule, not the exception. Of course, this upward trend is not smooth and goes in starts and stops. It is inevitable that there will be periodic interruptions wi...
by czeckers
Thu Jul 14, 2016 4:27 am
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 144
Views: 11372

Re: When your work schedule starts affecting your work-life balance

Your responsibility is to do your work. This is not your work. This is a problem for management to solve, not you. Asking someone to work off cycle from their shift is inappropriate. And you won't get extra compensation. Sounds like you're a nice guy and someone is looking to take advantage of you.
by czeckers
Tue Jul 12, 2016 1:43 am
Forum: Investing - Help with Personal Investments
Topic: How much do you invest of your net income?
Replies: 25
Views: 3333

Re: How much do you invest of your net income?

With a net worth of $1M, you already have more than most retirees. Figure out when you want to retire and how much you want saved up by then. Then do the math to figure out how much you need to save.
by czeckers
Mon Jul 11, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 50192

Re: I can't believe I am thinking this

I didn't notice the date the thread started when I began reading it. I was scratching my head as to what portfolio loss Sheepdog was talking about. :oops I remember that period vividly. There were many 'plan B' threads. The panic was palpable. This thread made me consider that the experience of a la...
by czeckers
Mon Jul 11, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9465

Re: How many of you have cut cord?

Count me in. Cut the cord 3mos ago. Went to sling (free Roku with 3mos service) Netflix and Hulu. Will drop sling soon. TV just isn't what it used to be and certainly not worth $100+/month.
by czeckers
Mon Jul 11, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: 14k gain in 3 days???
Replies: 36
Views: 4566

Re: 14k gain in 3 days???

What's interesting is that even a portfolio of $350K will see a daily $14K swing with a 4% change.
by czeckers
Mon Jul 11, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: 14k gain in 3 days???
Replies: 36
Views: 4566

Re: 14k gain in 3 days???

This reminds me of those algebra word problems in high school: if a train leaves Chicago traveling at 80mph and another train.... The starting and ending numbers you quoted are a 1% gain. So if your portfolio is $1.4M, then a $14K change is pretty ho-hum. As someone else mentioned, 1% daily swings a...
by czeckers
Thu Jul 07, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13461

Re: What do you spend your money on???

Also feeding the kids. Those teenagers sure do eat a lot.
by czeckers
Thu Jul 07, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13461

Re: What do you spend your money on???

Right now home energy updates so as to streamline recurring costs in the long term. Upgraded insulation and got PV system this year.
by czeckers
Thu Jul 07, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: International Stock has hurt me
Replies: 15
Views: 2493

Re: International Stock has hurt me

Fact is, markets go up, markets go down, but over long periods of time (decades) they go up. Long term investing growth moves at a geological scale. If you are well diversified, you'll probably have a stinker or two at any given time. 5% of your portfolio is barely going to affect anything. If watch...
by czeckers
Thu Jul 07, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 46
Views: 6548

Re: What are your thoughts on the "Golden Butterfly" portfolio?

I think I need to come up with a catchier name for my portfolio and write a book. :sharebeer
by czeckers
Thu Jul 07, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 11763

Re: Am I a little crazy to be thinking this way?

A lot of back and forth about projected returns and so on. You are not crazy at all to be saving this aggressively: 1) The dollars invested when you're young will probably be the most productive in your portfolio (i.e. Longest time in the market). 2) One never knows whether some future even will lim...
by czeckers
Thu Jul 07, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2908

Re: What do I need to know about billing before a medical procedure?

Amazingly the anesthesiologist and nurse anesthetist both said they didn't know anything about insurance. As a hospital-employed anesthesiologist I can attest to that, and it's probably true for most physicians that are employees of a large group. These are precisely the providers you will likely e...
by czeckers
Thu Jul 07, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 2944

Re: A nice wrist watch under $1500

I like my Timex perpetual calendar watch. Analog face with digital innards.
by czeckers
Thu Jul 07, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Paying off 15 year mortgage early vs investing. Please suggest.
Replies: 14
Views: 1592

Re: Paying off 15 year mortgage early vs investing. Please suggest.

Consider taking the money available for extra mortgage payments and invest that in your taxable account but invested conservatively. If for some reason you need to pay off the mortgage early to improve your cash flow, then the money will be available. However, of no such crisis arises, then it will ...
by czeckers
Thu Jul 07, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Slice-n-Dice 401K Contributions: What's you method for hitting asset class allocation % targets w/out fractional shares?
Replies: 22
Views: 1377

Re: Slice-n-Dice 401K Contributions: What's you method for hitting asset class allocation % targets w/out fractional sha

LibertyLover wrote:
LetsQuitTheGrind wrote:-I could just buy the loser asset classes to constantly rebalance (what I've done in the past) but Merriman believes this costs you returns in excess of 1%.


Is there a link to an explanation of this? I'm not following the reasoning on why it would lower returns.



Good question.
by czeckers
Thu Jul 07, 2016 7:03 am
Forum: Investing - Theory, News & General
Topic: As a new investor that is still learning I am making it through Brexit!
Replies: 31
Views: 2963

Re: As a new investor that is still learning I am making it through Brexit!

There will always be some kind of crisis in the markets. The response is the same, do nothing.
by czeckers
Wed Jun 29, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need to make a big change to my asset allocation
Replies: 15
Views: 1721

Re: Need to make a big change to my asset allocation

No time like the present. It's also possible that stocks will do poorly for a while and that, in retrospect, you will be wishing that you had decreased your stock allocation. Since the future is unknowable, it makes sense to get to the allocation you want right away. The fact is that most of the tim...
by czeckers
Wed Jun 29, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: How to grow grass in hard-to-grow conditions?
Replies: 17
Views: 1183

Re: How to grow grass in hard-to-grow conditions?

Or you may just want to wait until fall when the temperatures drop a little. We just cleared some land and that's my plan. I'll just till under whatever weeds pop up in the mean time.
by czeckers
Wed Jun 29, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: Another argument against "price drop means stocks are on sale"
Replies: 101
Views: 5519

Re: Another argument against "price drop means stocks are on sale"

Buying a fund this week after it has dropped compared to last week is obviously better in theory. In practice, it's a lot harder. If you had money to buy shares last week, you didn't know that the price was going to drop this week. Now that the hypothetical fund is down 5% today, today is a better d...
by czeckers
Wed Jun 29, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1711

Re: Can this roast beef be saved?

Keeping the roast from becoming toast :twisted:
by czeckers
Wed Jun 29, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Just bought into a Target Retirement Fund 2060. Now what?
Replies: 22
Views: 2045

Re: Just bought into a Target Retirement Fund 2060. Now what?

qwe, investing is one realm that is very counter-intuitive to the way we are wired as humans. We are taught, that the harder you work, the greater the reward, but investing is the opposite. The less you worry and tinker with your investments, the better you'll do. This is because our instincts of fe...
by czeckers
Mon Jun 27, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3564

Re: Reducing Electric Bill- Point of Diminishing Returns?

The OP is correct, at those costs, any large investment such as air-sealing and insulation will not pay for itself. With newer construction, and depending on the climate, it may not even be necessary. OTOH, I just had the air-sealing/insulating done on my big old leaky house. It got to almost 100 de...
by czeckers
Thu Jun 16, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is $355/yr good for personal umbrella policy?
Replies: 18
Views: 1771

Re: Is $355/yr good for personal umbrella policy?

I've found Amica to have very good rates for umbrella coverage.
by czeckers
Thu Jun 16, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1330

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

Only other potential downside is if you end up with enough money in your 401k that the RMDs push you into a higher tax bracket than you are now. Then it would have been preferable to keep money in taxable.
by czeckers
Thu Jun 16, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: I want to be Handyman for my tasks
Replies: 85
Views: 4848

Re: I want to be Handyman for my tasks

Just buy tools as the need arises.

You will eventually need both a drill and a driver.
by czeckers
Wed Jun 15, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2 separate cell phones for work & personal? [Physician]
Replies: 26
Views: 2548

Re: 2 separate cell phones for work & personal? [Physician]

You can just have an office number forwarded to your cell phone. This way all calls go to one place. When on vacation, you can simply suspend the forwarding.
by czeckers
Sat Jun 11, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2841

Re: Whole House Fan; Brand? Considerations?

Many of these units don't provide a perfect seal allowing air to escape the house even with the fan off. Some of the units that install to the ceiling joists have doors that cover the fan when not in use -- but these are the ones that make the most noise.
by czeckers
Fri Jun 10, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2841

Re: Whole House Fan; Brand? Considerations?

With respect to noise level, a fan where the motor is remote from your ceiling structure will always be quieter than the ones where the entire unit is mounted directly to ceiling joists. Just make sure that the ducting is well insulated so as to avoid condensation in the ducts with water running bac...
by czeckers
Fri Jun 10, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2841

Re: Whole House Fan; Brand? Considerations?

WHFs work best when the fan can blow inside the attic, pushing the hot attic air out of the attic vents. By doing so, the WHF can replace the hot air in the attic with cool air from the outside, thereby cooling the attic structure (trusses, joists, etc) as well as the roof itself. If you vent the W...
by czeckers
Fri Jun 10, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11447

Re: What are your friends saying about you?

I'm pretty sure they look at me and my 9 children and say, "that poor man." 8-)
by czeckers
Tue Jun 07, 2016 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting self against frivolous lawsuits?
Replies: 23
Views: 2527

Re: Protecting self against frivolous lawsuits?

I try to avoid litigation by looking like a bum and driving a beater. 8-)

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