Search found 857 matches

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: 14441

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: 19
Views: 1585

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: 5994

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: 204
Views: 25509

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: 411

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: 4148

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: 3759

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: 3759

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: 8514

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: 2601

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: 1308

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: 374

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: 2663

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: 1290

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: 1290

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: 3788

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: 5413

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: 845

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: 845

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: 845

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: 296

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: 42745

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: 5080

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: 79
Views: 9264

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: 3677

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: 2317

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: 2317

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: 872

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: 4519

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: 4519

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: 2463

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: 2670

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: 2509

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: 1238

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: 7161

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: 7603

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: 10009

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: 3590

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: 3590

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: 5080

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: 5738

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: 148
Views: 12648

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: 3421

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: 51478

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: 172
Views: 12492

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: 4738

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: 4738

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: 14296

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: 14296

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: 2594

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...

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