Search found 779 matches

by czeckers
Wed May 18, 2016 7:32 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 60
Views: 6160

Re: Jim Cramer doesn’t beat the market

Say it ain't so! :shock:

I'm actually impressed that the difference is so small over the course of 15 years.
by czeckers
Tue May 17, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 4724

Re: For those of you in the Accumulation Phase - How often do you check?

I look at markets daily in my news feed. I check my balances monthly when determining where to allocate new contributions (rebalancing with new contributions). I find that I notice that I'm pouring money into an underperformer long before I see in the news that sector x is underperforming. Usually b...
by czeckers
Mon May 16, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 202
Views: 19043

Re: Physician Retirement Savings

I'm still struck that seemingly every doc here is saving aggressively with a goal of "out, ASAP." "Out" could mean part time but no one's written that they would love to continue their work indefinitely if they can. Do Boglehead docs become financially independent, and then real...
by czeckers
Mon May 16, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Are Target Retirement Funds More Resistant to Panic Selling?
Replies: 23
Views: 1785

Re: Are Target Retirement Funds More Resistant to Panic Selling?

The funds themselves may be more immune, but the underlining assets that the fund holds would not. If people panic sell US stocks, then the funds that invest in those will also drop in value.
by czeckers
Sat May 14, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 202
Views: 19043

Re: Physician Retirement Savings

I'm fortunate to be in a specialty that has an easily scale able workload. 42yo, 8 yrs out of training (late start). $680K retirement accounts, NW $900+ I'm saving *only* 20% of income. I've decided to start backing off on workload instead of aiming for an ultra early retirement. Last child should b...
by czeckers
Thu May 12, 2016 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25930

Re: Poll: Let's talk wristwatches

Timex triathlon watch set to 24h mode for work. Timex perpetual calendar watch for everything else. I love this watch -- looks like a normal analog watch but has a window showing date and day of the week. The beauty of it is that the perpetual calendar automatically adjusts the date for long and sho...
by czeckers
Wed May 11, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 41
Views: 5268

Re: Low flow shower head?

I have these in my house. Love them -- they don't feel like low flow. http://www.amazon.com/Niagara-N2515CH-Fixed-Mount-Showerhead-Chrome/dp/B0089CGG9K/ref=sr_1_3?ie=UTF8&qid=1463003239&sr=8-3&keywords=niagara+1.5+gpm+shower+head Also have these to stop the flow while soaping up: http://...
by czeckers
Wed May 11, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4170

Re: Is a home disaster looming? sump pump running constantly please help!

You can buy a roll of non-perforated black pipe cheaply to route water away from the house. Builder should replace perforated pipe as that is simply wrong. Like everyone has said, you're just dumping the water next to your foundation instead of away from the house. Make a video of the water leaking ...
by czeckers
Wed May 11, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11130

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

I prefer to take all my risk on the equity side, tilting to more riskier equity markets. To balance that, I go with inter-term US treasuries only on the bond side. Fortunately all my investments are in tax-deferred accounts so I am immune to the tax consequences of my bond choices. I have run simula...
by czeckers
Sat May 07, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Kids gadget usage restrictions
Replies: 7
Views: 647

Re: Kids gadget usage restrictions

We use Circle, a device that monitors all traffic going to and from the router. It is able to set restrictions and time limits on individual devices. It works fairly well and comes with an iPhone app that allows you to monitor and control the internet usage on all devices on your network. Was $99 wh...
by czeckers
Sat May 07, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: More House or More Investing?
Replies: 25
Views: 2626

Re: More House or More Investing?

Smaller house. Your needs will change dramatically if children enter the picture: one of you may want to stay home, and you'll be more concerned about schools, proximity to day care< etc. In my experience, couples who buy a house before children almost invariably move to a different house. Might as ...
by czeckers
Tue May 03, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4701

Re: Just called Directv and saved $600 for one year

Sling gets you ESPN and ESPN2 as well as TBS and a bunch of other channels.
by czeckers
Tue May 03, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4701

Re: Just called Directv and saved $600 for one year

Roku acts as an intermediary between your internet and TV. It accesses the info on the web and sends it to the TV. Yes, you have to pay for the major streaming services such as Netflix, Hulu, and Amazon. However, there are also many free channels such as PBS. We have Netflix and Hulu, each is about ...
by czeckers
Tue May 03, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4701

Re: Just called Directv and saved $600 for one year

Just cancelled DirecTV will save over $1000 per year every year. With all the video streaming options out there, it's getting hard to justify the cost of cable or satellite TV service.
by czeckers
Tue May 03, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 3175

Re: Almost perfect credit score (FICO from Amex)

Keep in mind that the credit score doesn't measure who is the lowest risk to lend money to, but who has the potential to be most profitable. The lowest risk is a person who doesn't need credit: good income, high net worth, no debt. However, the most profitable person is someone who has a good income...
by czeckers
Tue May 03, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 6260

Re: How Much House

Price compared to income will vary considerably depending on the market you're in. It's difficult to compare, say, San Francisco to Oklahoma City. Having said that, my numbers are: 1.2x salary Financed over 15 yrs at 3% and paying a little extra each month. As an aside, I firmly believe that if you ...
by czeckers
Fri Apr 15, 2016 2:02 am
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5615

Re: The Lawn vs. The Homeowner (guess who's winning)

There was a guy on PBS in Pittsburgh who had a gardening show that would come up with recipes like that. It was amusing to watch. I wish I could remember his name.
by czeckers
Wed Apr 13, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5565

Re: Total Bond Achilles Heel?

I would consider reading the financial media the Achilles' heel of the prudent investor. The future is unknowable since markets are moved by unexpected news. The perfect asset allocation will only be known in retrospect. With indexing, there is always something that does better, but over long period...
by czeckers
Wed Apr 13, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 181
Views: 22823

Re: I'm Calling an Emerging Markets Bottom

I have EM as part of my asset allocation. I make periodic monthly contributions. For several years now, this asset has lagged all my other assets and I've been having to direct new money to it to keep it in my desired percentage of the portfolio. The bottom may have been a while back, but it is stil...
by czeckers
Wed Apr 13, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any suggestions for tax free or tax managed income investment vehicle?
Replies: 10
Views: 1171

Re: Do you have any suggestions for tax free or tax managed income investment vehicle?

For tax-efficiency, it is hard to beat a total stock market index fund. Capital gains are typically taxed more favorably than dividend distributions so I'm not sure why the emphasis on income. Most of the things you have listed such as MLPs, REITs, etc. are quite tax inefficient because of the high ...
by czeckers
Wed Apr 13, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year old, saving too much for retirement?
Replies: 19
Views: 3670

Re: 28 year old, saving too much for retirement?

Based on your post, you seem content with your current lifestyle. There was no mention of feeling like you are depriving yourself right now. If you are content, then continue on your current trajectory until something changes it. You certainly will never regret having more options in the future. The...
by czeckers
Wed Apr 13, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning to 3 fund portfolio - Sell energy now?
Replies: 15
Views: 1000

Re: Transitioning to 3 fund portfolio - Sell energy now?

The beauty of a diversified portfolio with new contributions is that I am always buying assets that have become cheaper, and am sometimes selling assets that have become more expensive. By making the process automatic (new contributions buy the asset that is the farthest from the intended allocation...
by czeckers
Wed Apr 13, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: starter home vs. final home
Replies: 37
Views: 3818

Re: starter home vs. final home

Your question got me to thinking so I decided to crunch some numbers based on my personal experience. Our first home was 800 sq ft purchased for $43,000. It was a stretch financially to make the down payment. We were able to make major changes like a full bath and kitchen remodel for very little mon...
by czeckers
Wed Apr 13, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: starter home vs. final home
Replies: 37
Views: 3818

Re: starter home vs. final home

I think the question is usually irrelevant. Depending on which study you read, the data show that the average homeowner stays in a house 7 - 16 years before moving. The truth is that it is very difficult to predict what your housing needs will be in the distant future. When young and with few childr...
by czeckers
Wed Apr 13, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5615

Re: The Lawn vs. The Homeowner (guess who's winning)

It's interesting how the perception of lawn quality changes depending on where you live. In a suburban environment with relatively small lots, people can become quite obsessive removing every single weed by hand ultimately achieving a perfect lawn of just grass, and devoid of any other life. As you ...
by czeckers
Tue Apr 12, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: 1/3 SCV / Emerging Market / REIT
Replies: 39
Views: 2908

Re: 1/3 SCV / Emerging Market / REIT

I toyed with the same idea. You have to be careful looking backwards as investments that have done the best in recent times will give you the best backtest results, but may not be so hot going forward. I set my portfolio up 9-10 years ago when small and value data were very strong. Since then, I hav...
by czeckers
Tue Apr 12, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: NYS EZ Pass Violation - should I contest? or pay?
Replies: 8
Views: 721

Re: NYS EZ Pass Violation - should I contest? or pay?

You don't have to prove a negative. The burden of proof is on them to prove that there was a violation. Fill out the form and see where it goes.

-K
by czeckers
Thu Mar 17, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4196

Re: Age 29; stay in smaller house or buy a bigger house?

We lived in our first house (2br, 1 bath, 800sq ft) until our 4th child was born. Small kids don't need much space. It was a great financial move as it allowed us to save a good amount. A bigger house isn't just a bigger mortgage. It's also more utilities, more maintenance, taxes, repairs, etc. You'...
by czeckers
Tue Mar 15, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle - "Since 1990, US stocks grew 10%, Intl grew 6%"
Replies: 56
Views: 6269

Re: Bogle - "Since 1990, US stocks grew 10%, Intl grew 6%"

The problem with any backward looking analysis is that markets that have done well recently will also appear to have good long-term performance figures. It's not talked about much, but long-term return data also have a type of recency bias. The fact is, that US large growth has done quite will over ...
by czeckers
Tue Mar 08, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 154
Views: 19902

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Our backdoor Roth IRA contribution got flagged last year. It got flagged because they saw the withdrawal from the traditional IRA and stated we owed income tax on it. I told them that it was a conversion of a non-deductible TIRA contribution to a Roth IRA and pointed out that this was documented on ...
by czeckers
Wed Mar 02, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: A look at Emerging Markets, recency bias, and diversification
Replies: 32
Views: 3788

Re: A look at Emerging Markets, recency bias, and diversification

Good article. Is there a source for PE-10 for emerging and developed international markets that is publicly available?
by czeckers
Wed Mar 02, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Meaning of term "Board Certified Physician"?
Replies: 38
Views: 4111

Re: Meaning of term "Board Certified Physician"?

In many states you can practice primary care medicine after completing only one or two years of residency. Minimum years to complete a residency is 3 years (higher for some specialties). Thus, someone who is board certified has completed a residency because that is a requirement to sit for the board...
by czeckers
Wed Mar 02, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for mortgage refinance?
Replies: 10
Views: 875

Re: Best way to shop for mortgage refinance?

Does anyone have experience with ThirdFederal? They are showing 2.39 APR for my state. Too good to be true?
by czeckers
Wed Mar 02, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for mortgage refinance?
Replies: 10
Views: 875

Re: Best way to shop for mortgage refinance?

Dropping 0.5% would save me a bit over $12000 over ten years. Not going to make or break the budget, but not chump change either.
by czeckers
Wed Mar 02, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for mortgage refinance?
Replies: 10
Views: 875

Re: Best way to shop for mortgage refinance?

Current rate is 3.00 APR. I'm looking for 2.5.
by czeckers
Wed Mar 02, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for mortgage refinance?
Replies: 10
Views: 875

Best way to shop for mortgage refinance?

I've notice the recent drop in mortgage interest rates. I have about 12 years left on my 15-year mortgage. I'd like to refinance to a 10-year at a better rate if the math works out. Good credit score. We have approximately 50% equity in the home. There is an overwhelming number of banks, web-sites, ...
by czeckers
Wed Feb 17, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Why Aren't Long Term Treasuries Recommended Instead of Total Bond Market?
Replies: 55
Views: 6074

Re: Why Aren't Long Term Treasuries Recommended Instead of Total Bond Market?

Another option to consider if you are looking at long-term bonds is the barbell approach. Have a mix of long-term and short-term bonds whose averaged duration equals the market average bond duration. This way you have long-term bonds for deflationary environments, and short-term bonds for inflationa...
by czeckers
Wed Feb 17, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: World stocks officially reach bear market territory
Replies: 27
Views: 3997

Re: World stocks officially reach bear market territory

It's a good time to check whether any of your funds have hit their rebalancing bands -- may be a good opportunity to "buy low". :sharebeer

-K
by czeckers
Tue Feb 09, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein's "If You Can" Portfolio
Replies: 42
Views: 6530

Re: William Bernstein's "If You Can" Portfolio

Early on, your savings rate has a far greater impact on your portfolio growth than small differences in returns. Thus, there isn't much of a difference between 33% bonds and 20% bonds. Thus, it is probably good advice to start out with something very simple and maybe a little conservative until one ...
by czeckers
Tue Feb 09, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 46
Views: 4249

Re: Managing kid's internet use

We've had Circle for 3-4 months now. It basically monitors all information going to and from the router and determines what can and can't go. Overall it works pretty well but, as with anything, there are pluses and minuses. I'd say it is a small step up from OpenDNS. It handles bed time and time lim...
by czeckers
Tue Feb 09, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 3304

Re: Planning a High-Value Wedding Regardless of Cost

We got married when we were young and poor on a $3000 budget. Ring was a nice ring but with a CZ instead of a diamond (the stone ended up falling out of the setting a few years later so no worries there). Rehearsal dinner at grandma's (great food), nice ceremony at Church, reception at an inexpensiv...
by czeckers
Tue Feb 09, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 72
Views: 5378

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

I frequently get hacked when I travel. I presume it happens at restaurants. It's unfortunate.
by czeckers
Mon Feb 08, 2016 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3872

Re: Thank goodness for my precious metals

The Vanguard Precious Metals fund (VGPMX) is a bit down from its peak of 39.66 on 9/30/07. It didn't offer much protection in '08-'09 as it lost nearly 75% of its value closing at $10.27 on 2/1/09. Since then it bounced back up to $28.18on 4/17/11 only to lose another almost 80% closing at $5.73 on ...
by czeckers
Wed Jan 20, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: frost on windows - any experts (or people who have dealt with this)? Images inside!
Replies: 27
Views: 3155

Re: frost on windows - any experts (or people who have dealt with this)? Images inside!

2sls, everything you've mentioned indicates your house is under insulated for your climate. The frost on the Windows is a problem with poorly insulated frames/spacers. Poor insulation in the walls will also contribute. If your garage is 50 deg warmer than the outdoors, you are losing a lot of heat f...
by czeckers
Wed Jan 20, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: frost on windows - any experts (or people who have dealt with this)? Images inside!
Replies: 27
Views: 3155

Re: frost on windows - any experts (or people who have dealt with this)? Images inside!

Yoopers, your blackout shades are insulating the window from the indoor heat. I would wager that if you placed a thermometer on your inside window sill, you'd notice a substantial temp difference between shades closed and shades open. The warmer temp with the shades open provides enough heat to prev...
by czeckers
Wed Jan 20, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: Interesting argument by Wells Fargo guy
Replies: 25
Views: 3839

Re: Interesting argument by Wells Fargo guy

With developed international and emerging markets taking a beating over the last several years, all new contributions have been going that way for a while now. I rebalance with new money and have not purchased domestinc (except small value recently) in quite a while. The beauty of this system is tha...
by czeckers
Wed Jan 20, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 620861

Re: U.S. stocks in freefall

I know that the markets dipped whenever this thread pops up.

I was planning on doing a bathroom remodel this spring, but it seems it might be a good time to throw a little extra into ye olde investments instead. :sharebeer
by czeckers
Mon Jan 18, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: frost on windows - any experts (or people who have dealt with this)? Images inside!
Replies: 27
Views: 3155

Re: frost on windows - any experts (or people who have dealt with this)? Images inside!

It doesn't look like air leakage to me. Double hung windows typically leak at the horizontal line where the upper and lower window meet, at the edges where the window units slide on the tracks, or, if poorly installed, around the outside of the window unit itself (behind the jambs). Also, if you hav...
by czeckers
Sat Jan 09, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: investus interruptus
Replies: 83
Views: 4562

Re: investus interruptus

If the price of your investments has dropped, then the expected future returns have gone up? Why would you get rid of investments with a higher expected future return? This is exactly the kind of behavior that causes investors to underperform the very investments they are invested in. Short term flu...

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