Search found 877 matches

by czeckers
Sun Mar 05, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3106

Re: Describe your Reasonable Dream Home

A big requirement for me is high energy efficiency. A net-zero home would be ideal. If paid for with cash, then the ongoing costs would be just taxes and water.
by czeckers
Thu Jan 26, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 67
Views: 4961

Re: Help, please, on new salary negotiations

Given that he is asking you to go with him and to either relocate or to do a very long commute, that makes starting the negotiation very easy. "Boy, this is an exciting opportunity, but it would be a tremendous sacrifice for me and my family. What type of compensation do you have in mind?"...
by czeckers
Thu Jan 26, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 5991

Re: Refusing to sign or altering hospital billing admission forms?

You have to understand that the financial side of medicine is intentionally opaque. Large practice groups and hospitals are gobbling up all the independent providers, small groups, and small hospitals. Everything is now controlled at top administrative levels by non-clinicians. Billing is completely...
by czeckers
Mon Jan 23, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7662

Re: Carribean island most like Hawaii

Highest peak in the Dominican Republic is just over 10,000ft. However, I don't think the travel experience to the DR would be the same as Hawaii.

-K
by czeckers
Mon Jan 09, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17050

Re: Best Financial Moves You've Made

High savings rate.
by czeckers
Wed Jan 04, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

I think of perpetual withdrawal rates when I think of endowments. 60 years is a long time, but it is definitely finite. Add to that that there is a probability that one will die earlier than expected and, for me, the extra sacrifices to fund a retirement at 2.3% rather than 3.25 or 3.5% simply aren'...
by czeckers
Wed Jan 04, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

Seems like people are working a lot longer than they need to to protect against a 1% or so risk, when there is a 66% chance they end up with more than double their initial amount at retirement using the 4% rule. I 100% agree with you. If you consider these SWR rates based on market history includin...
by czeckers
Wed Jan 04, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

When looking at 30-60 year time frames, an annuity without an inflation adjustment would make me very nervous.
by czeckers
Tue Jan 03, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

I will note that the original article uses a 100% equities portfolio for its calculations. The study looks at 100% 75% 50% 25% and 0% equities. However, what frequently goes entirely UNEXPLORED by these studies is what amount you end up with in the 90% of SUCCESSFUL outcomes. Indeed, in some not-in...
by czeckers
Tue Jan 03, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

Consider: - Alan retires on 1/1/2016 with portfolio of $1,000,000. Using a 4% SWR, he can withdraw $40,000, inflation adjusted, for many years. - The market drops 20% and Alan's portfolio is $800,000 on 1/1/2017. He can still withdraw $40,000/year - Bob retires on 1/1/2017 with $800,000. Using a 4%...
by czeckers
Tue Jan 03, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

Early retirement in this case is a retirement expected to last longer than 30 years.

This is obviously affected by age at retirement as well as one's state of health.
by czeckers
Tue Jan 03, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Re: Study on SWR rates for Early Retirement

Quark, the table is merely a summary of the data. If you read the accompanying commentary, it does a very good job explaining the issues you bring up. You are of course correct to mention that the political and economic landscape in the 1800's was very different than it is now. Of course the same ca...
by czeckers
Mon Jan 02, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6158

Study on SWR rates for Early Retirement

I just came across this study from Early Retirement Now : https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ In it, he essentially replicates the Trinity Study but looking at investment horizons out to 60 years. The results and discussion span several...
by czeckers
Fri Dec 30, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Bogle worried about currency risk in Int'l Stocks
Replies: 34
Views: 2856

Re: Bogle worried about currency risk in Int'l Stocks

With the current strength of the dollar, you get more bang for your buck when buying international. Also, international valuations are more favorable. Emerging markets are near their long-term PE10 average. European domestic are significantly below. On the other hand, US valuations have been above l...
by czeckers
Thu Dec 22, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: How is your all-up money distributed
Replies: 6
Views: 1025

Re: How is your all-up money distributed

My greatest asset right now is being able to earn a large income. 12.5 % of my net worth is in home equity. Rest is in stock/bond mutual funds.

-K
by czeckers
Thu Dec 22, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: Expected Future Low Returns
Replies: 49
Views: 4335

Re: Expected Future Low Returns

The key to dealing with uncertainty is diversification. Yes, US stocks and bonds look expensive right now, but the range of possible returns is still too large to act on. Also, international developed stocks are below their PE10 average and emerging markets are also below their average though just b...
by czeckers
Sat Dec 17, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7956

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Snow tires make a far bigger difference than AWD. FWD with the weight of the engine over the front wheels is fine. I do recommend getting a separate set of rims for the winter tires. Frequent changing tires can damage rims leading to annoying slow leaks as the bead fails to seat properly. It's also ...
by czeckers
Tue Dec 06, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5387

Re: Best printers for home use

HP ink cartridges are expensive and you can't refill them.
by czeckers
Sat Nov 19, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 16065

Re: Monthly grocery costs? How do you keep it low?

Family of 11. We spend about $2000/mo on food. Those teenagers sure do eat a lot. That puts us in the same ball park as the OP. We grocery shop almost exclusively at Aldi's (a discount grocery chain) and to a lesser extent at Walmart. We've been able to also save a lot by developing relationships wi...
by czeckers
Sat Nov 19, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Energy Efficient Window Fan?
Replies: 20
Views: 1891

Re: Energy Efficient Window Fan?

As an apartment dweller, a window fan is certainly a more realistic option than a whole house fan. Window fans are definitely more energy-efficient than window air conditioners. A fan is a simple thing: an electric motor attached to a fan blade. There isn't much you can do to make one fan more effic...
by czeckers
Mon Nov 14, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6669

Re: Go part time number

Eyeballing the numbers you provided, it looks like you need your portfolio to triple to hit your retirement number. You'd need real returns in excess of 7% to get there in 15 years without any new contributions. Given current valuations and interest rates, I wouldn't be too confident in being able t...
by czeckers
Fri Nov 11, 2016 9:20 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 55475

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

So the joker who wrote this article pretends that people don't know he has money? Pardon me, if you have enough to get through medical school and have been practicing as a private practice physician in this country any length of time, I know darn well you have money, no matter what kind of car you ...
by czeckers
Fri Nov 04, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: US retirement account for Canadian Citizen
Replies: 3
Views: 596

US retirement account for Canadian Citizen

I have a co-worker who is a Canadian citizen working in the US and has been contributing to a 403b. He will be permanently returning to Canada and asked me what he should do with his 403b. Does anyone know if he can just leave the account alone until retirement age or if he may run into problems bec...
by czeckers
Fri Nov 04, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can My Husband Quit Work at 40 Based On Our Current Investments?
Replies: 16
Views: 4596

Re: Can My Husband Quit Work at 40 Based On Our Current Investments?

With respect to the mortgage, it's difficult to conceive retiring while still servicing debt. The decision about whether your husband can retire or not is a question of cash flow and mortgage payments certainly affect that. If you can carry the mortgage on your income alone, then it may not be a big...
by czeckers
Fri Nov 04, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 5024

Re: Doubting Your Portfolio Tilts

Rephrased that for you. Have you ever seen someone on this forum advocate tilting to an investor at risk of capitulating? It's no more an argument against tilting than suggesting someone blind not get behind the wheel is an argument against driving.[/quote] I agree with you that blind people shouldn...
by czeckers
Fri Nov 04, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 5024

Re: Doubting Your Portfolio Tilts

I think the OP presents a very good argument against tilting. If you're not convinced, then you'll me more likely to change your portfolio when small or value underperforms for a period time.
by czeckers
Wed Nov 02, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10618

Re: How much home can/should one buy?

Hmmmm. Current home purchased for 1.2x annual salary. 15 year mortgage will likely be paid off in 11 with extra payments, and will open the door for early retirement. I'm fortunate that I can work anywhere I want so chose a LCOL area. I can't imagine considering early retirement had I been in a HCOL...
by czeckers
Fri Oct 28, 2016 7:04 pm
Forum: Investing - Theory, News & General
Topic: Impact of fleeing index investors on Index Mutual Funds: studies?
Replies: 32
Views: 2828

Re: Impact of fleeing index investors on Index Mutual Funds: studies?

For every seller there must be a buyer. If investors flee funds en masse, then other investors must be buying en masse as well. To be fair, you will get panics every now and then. Generally speaking, the investors who held on, or better yet, those who had the foresight and resources to load up on sh...
by czeckers
Wed Oct 26, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Family Calendar
Replies: 19
Views: 1474

Re: Family Calendar

Google calendar! You can create multiple calendars so each person has their own calendar and color. Also calendars for time off work, call, doctor appointments etc. Using Google is nice because it syncs across all platforms so anyone in the family can see it on their computer, phones, tablets, etc. ...
by czeckers
Tue Oct 25, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 1
Views: 407

Republic Wireless

Hello fellow Bogleheads. Does anyone have experience with Republic Wireless and parental controls on their phones? I'm looking to go this route with my kids' phones, but the Android OS is completely foreign to me. I know on the iPhone I could restrict various apps including the app store and the int...
by czeckers
Thu Oct 13, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: Cheap asset classes and on-sale stock
Replies: 33
Views: 2925

Re: Cheap asset classes and on-sale stock

Whatever future returns I expected prior to a 10% drop are the same future returns I still expect, so my best guess is that I'll end up with less than I had originally hoped for at some given future date. This is where you are mistaken. Expected future returns are inversely correlated to the PE rat...
by czeckers
Fri Oct 07, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: 1Password on iOS
Replies: 13
Views: 1450

Re: 1Password on iOS

My main category and credit cards still work ok. I noticed that my rewards membership category is gone as well as my category for lock combinations. Im OK with paying for apps if that's the arrangement up front. I don't like that I downloaded a free app and several years later, my data is held hosta...
by czeckers
Thu Oct 06, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: 1Password on iOS
Replies: 13
Views: 1450

1Password on iOS

The topic of password managers pops up here occasionally. Based on recommendations from this board, I adopted 1Password a while back and have been quite happy with it until recently. They have refreshed their look with the most recent update. However, with this update, they also masked some of my ca...
by czeckers
Wed Oct 05, 2016 1:30 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 4028

Re: Remember This

I would guess that the number of investors on the board that can handle factor investing correctly is around 15%. You have to be far more knowledgeable than average, plus you have to have the right temperament and ability, both financial and emotional. The good news in all investors can be successf...
by czeckers
Wed Oct 05, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5725

Re: Mitsubishi ductless heating/cooling unit

some also adjust direction of air flow towards the feet of live occupants of the room to maximize efficiency. I'm glad that it ignores the dead occupants of the room -- much more efficient that way. :twisted: More seriously, thanks for the heads up on the Fujitsu model. It seems that Mitsubishi has...
by czeckers
Tue Oct 04, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Favorite mortgage refinance calculator?
Replies: 12
Views: 965

Re: Favorite mortgage refinance calculator?

The second calculator posted is nice because it takes into tax savings on mortgage interest. However, it appears to be comparing the full 15 yr mortgage, vs just the 10 yr mortgage, without taking into account the 4 years I have already paid on the 15 year mortgage, thereby way overstating the benef...
by czeckers
Tue Oct 04, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Favorite mortgage refinance calculator?
Replies: 12
Views: 965

Re: Favorite mortgage refinance calculator?

Thank you for the prompt reply. I like the mortgage professor calculator in that it accounts for the extra principal payments. However, it has a flaw that I see with a number of the calculators in that it only looks at the relative monthly payments, and ignores total interest paid over the course of...
by czeckers
Tue Oct 04, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Favorite mortgage refinance calculator?
Replies: 12
Views: 965

Favorite mortgage refinance calculator?

Ok fellow Bogleheads, does anyone have a favorite refi calculator? I'm 4 years into a 15-year mortgage at 3.00%. Mortgage is $1885/mo. I'm also making extra payments of $190/mo. I can refi to a 10-year mortgage at 2.25% with no points and with what looks to be about $6,000 in closing costs. (Teacher...
by czeckers
Wed Sep 28, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: What constitutes W2 or 1099 employee? (physician)
Replies: 4
Views: 361

Re: What constitutes W2 or 1099 employee? (physician)

Sounds like you are describing having two 'casual' workers. Given that they don't work a regular schedule, I don't see a problem paying them on a 1099 as part time contractors. It would save your group a lot of money. I'm not a CPA, but I think the 'casual' nature of their employment would relieve y...
by czeckers
Tue Sep 06, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 45219

Re: Self-made Millionaires: how did hitting 7 figures change you?

Becoming a millionaire doesn't change you. It's the changes you made beforehand that allowed you to become a millionaire.
by czeckers
Sun Aug 28, 2016 5:03 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5471

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: 87
Views: 11518

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: 32
Views: 3865

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: 2457

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: 2457

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: 971

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: 5108

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: 5108

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...

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