Search found 82 matches

by apex84
Tue Aug 20, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 4044

Re: Chicago - What to see, do & eat in two days

Two days is not much time. With the kids, if the weather is nice (or hot), definitely go to Millenium Park. They'll like splashing around in Crown Fountain. The Lurie Garden will provide a few moments of peace & quiet. The great lawn is a nice place to have a picnic and enjoy the view. The adjoining...
by apex84
Thu Jun 27, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5745

Re: Should I buy a condo in Chicago?

It's been interesting to follow this thread. We live in a condo (high rise, large building) in the South Loop along Grant Park. This location is desirable to us for access to the park, lake, museums, bike path, and daily shopping (both walkable and big box stores). I was able to buy at a lower price...
by apex84
Mon May 20, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2570

Re: Compound miter saw recommendation

We bought a DeWalt 12" single bevel, non-sliding when I did a crown molding project. We live in a city condo, so we don't anticipate larger projects. For outdoors use, you might want the sliding to cut larger stock. Be sure to factor in whether you need a new blade. For your project, the included bl...
by apex84
Fri May 10, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 12708

Re: What is your U.S./ex-U.S. stock allocation?

60% US
40% International
by apex84
Tue May 07, 2019 1:33 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 14624

Re: I tried to fire my financial advisor of 12 years today...

Before making the switch, be sure to download and print all of your account information. In addition to holdings and number of shares, you want information on capital gains and tax lots.
by apex84
Mon May 06, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Sofa Purchase
Replies: 11
Views: 1264

Re: Sofa Purchase

Hancock & Moore is well built & high quality. The leather will last longer than fabric with proper care. We couldn't find a Hancock & Moore sofa that worked for use since many of the pieces tend to be oversized. We were also looking for fabric so went with a Stickley with a nylon fabric. http://www....
by apex84
Thu Mar 14, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6830

Re: Peanut Butter recommendations

We usually get peanut butter at Costco (the Kirkland natural kind). For an alternative that I think tastes better, we like the Mixed Nut Butter from Trader Joes. It's pricy, but still much less than buying lunch at work. It contains almonds, cashews, walnuts, Brazil nuts, hazelnuts, and pecans. http...
by apex84
Thu Feb 28, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a medical student
Replies: 23
Views: 1163

Re: Buying a house as a medical student

Don't do it. 2 doc household here. My wife rented at all stages of training and this worked out in her favor as she did med school, residency, and 2 fellowships in different cities. I was different, my folks bought a condo when I started a combined MD-PhD program and I ended up staying on for reside...
by apex84
Thu Feb 28, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 63116

Re: Discontinuing VanguardAdvantage Accounts

I used VanguardAdvantage because I want to push payments to payees from my account. I don't want our bill vendors having access to automatically withdraw funds from our account. To keep this arrangement, I'll have to switch to our bank account (which we still have but rarely use).
by apex84
Wed Feb 13, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11370

Re: Diamonds are forever.

An alternative to changing the original ring would be to get a new band and keep the ring unaltered. There are many prices and styles. The two that stood out when we looked were from Furrer Jacot (pricey, but nice designs) and Oscar Heyman (hard to find the bands online, made in New York, the rest o...
by apex84
Sun Feb 10, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: VNQI (Global ex-US Real Estate): Is this a bargain or not?
Replies: 7
Views: 1675

Re: VNQI (Global ex-US Real Estate): Is this a bargain or not?

I don't know if it's a bargain, but have a small allocation to real estate in which I split US/international 60/40 (same as my equities).
by apex84
Wed Jan 16, 2019 10:26 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57231

Re: John Bogle has died at age 89

Condolences to his family. Rest in peace.
by apex84
Tue Jan 15, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4556

Re: Any good reason to get a smartwatch?

This is a personal question and different people will have answers ranging from essential to worthless. There are those who are opposed to more devices which is fine, there's no need to get one. My wife and I have Apple watches and find them useful. The activity tracking, weather information, messag...
by apex84
Fri Nov 16, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2843

Re: Need advice on (2) jackets.

Velcro on jackets kills ties and sweaters. I would avoid it at all costs. Also make sure the pockets are roomy and usable so you can store your hat & gloves. My wife and I went with Patagonia for our coats (they make town style coats for real world use and outdoors specialty coats). My wife likes th...
by apex84
Wed Oct 10, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 7428

Re: Best headphones under 500 bucks

As others have mentioned, there are many different types of headphones. In my office, I like the Massdrop HD6xx (Sennheiser HD650. The open back is the best for sound, but they are only ideal in a quiet environment. At home, I use the Denon AH-D2000 for watching TV when my wife wants to read. These ...
by apex84
Wed Oct 10, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1174

Re: Hiking NH White Mountains. Taking one lens.

My preferred light, but versatile lens setup is either a 16-35/4 and 70-200/4 or a pair of primes (25/2 and 85/1.8). I would take the 16-35/4 and either rent or borrow a 135 or 200 mm prime. I have also taken the 1 lens route with a 24-70/2.8, but my preferred single lens option is a 24-105/4 (had t...
by apex84
Sat Jun 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3871

Re: June in Paris: What to (or not to) wear, see and do?

Another tip, if you have an iPhone you can download a Rick Steves app with tours (take your headphones) of all kinds of sites in Europe. We didn't do that in Paris, but was great for the major historical sites in Rome & Athens. Next time we go anywhere in Europe, we'll be sure to check for tours on ...
by apex84
Sat Jun 02, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3871

Re: June in Paris: What to (or not to) wear, see and do?

Be very alert for pickpockets. They sometimes use children for distraction Good advice. We were swarmed by kids when we got off the train from London to Paris. Were hassled again in the Place de la Concorde. We didn't get anything taken in Paris, but did on another trip in Rome when we deviated fro...
by apex84
Sat Apr 07, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 15229

Re: Tequila and Magaritas

Everyone has their own preferences, this is what we do. We rarely drink and when we make cocktails, I think they turn out better with high quality ingredients. It's so much cheaper than buying a drink at a bar or restaurant, that I don't mind. I find that using fresh squeeze lime juice is nice. For ...
by apex84
Thu Jan 11, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 6376

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

This is an interesting thread. Good to see the BH perspectives to complement info from car sites. Have always been a BMW fan, but I also like wagons so considering new M5 vs E63S wagon in the future (E92 M3 now).
by apex84
Tue Jan 09, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 88
Views: 10226

Re: Men's no iron dress shirt recommendations

Brooks Brothers frequently go on sale 4/$199. I've found their non-iron finish to hold up the best.
by apex84
Wed Jan 03, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 2134

Re: Recommend me a backpack for business use

Have used Tom Bihn bags for over 20 years. Highly recommended.
by apex84
Sat Oct 28, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 573
Views: 232013

Re: TV show recommendations?

Fauda on Netflix was great. Waiting for the next season. Israeli show with strong character development of both the Israeli and Palestinian adversaries.
by apex84
Thu Apr 20, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 54997

Thank you

Thank you for posting all of these years and please enjoy your time with your family.
by apex84
Mon Apr 17, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 14679

Re: Is there any reason a buy-and-hold investor would buy gold?

Uncle Pennybags wrote:Gold is priced in US dollars, they can't win.
"China launches renminbi-denominated gold benchmark"
https://www.ft.com/content/e2d5b638-061 ... b5e65703ce
by apex84
Mon Apr 17, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 14679

Re: Is there any reason a buy-and-hold investor would buy gold?

If gold isn't valuable, then I wonder why the Chinese government is so interested in acquiring and hoarding massive quantities of it. Perhaps they know something that we do not. It's food for thought at least. Previously, China has pegged the renminbi to the dollar rather than allowing it to float,...
by apex84
Fri Mar 10, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 19041

Re: What to do with all these passwords ?

I use 1Password. Bought it to help keep track of passwords but now use it to have unique randomly generated passwords for every website. Easy to use across multiple device for multiple users.
by apex84
Sun Aug 21, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 34134

Re: IWC Watch, any thoughts? [Wristwatch brand]

Congrats! That's a nice collection with an advanced (GPS) G-shock, a solid reliable chronograph that's easy to service, and a classic, understated dress watch. As I ended up with the pieces I have, I often looked at other pieces, but eventually decided that I should focus on enjoying the ones I had....
by apex84
Fri Aug 19, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 34134

Re: IWC Watch, any thoughts? [Wristwatch brand]

European Watch Company is reputable and has a nice storefront in Boston. The IWCs you've posted use a Valjoux 775x movement, which is widely used in watches at a much lower price. You might consider Sinn or Fortis. If you want a luxury mechanical watch, go for it, but be sure it's a financially negl...
by apex84
Fri Jul 22, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 1177

Re: Floor Lamp Recommendations?

I like the Ikea Rodd floor lamp base paired with your choice of shade. It looks clean and fits with other items easily. It takes a single bulb, but I put 2 LED bulbs (60 watt equivalent) in each using a Leviton twin adapter that you can find at Home Depot or a hardware store. Costco has Feit high CR...
by apex84
Thu Jun 23, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 10445

Re: best wristwatch for the price

I think one of the best values is the Seiko SGG727 (white dial), SGG729 (blue dial), SGG731 (black dial). The watches are titanium with a titanium braclet which is very light (but will show scratches like most watches). It has a sapphire crystal (which is unlikely to scratch). It's has a 100 m water...
by apex84
Mon Mar 21, 2016 11:17 am
Forum: Personal Investments
Topic: For 50k, Core Bond or Wellesley??
Replies: 33
Views: 5594

Re: For 50k, Core Bond or Wellesley??

Vanguard has looked at dollar-cost averaging vs. lump-sum investing. Assuming you're investing from cash into an asset class with an expected return greater than cash, about 2/3 of the time you win with LSI & 1/3 of the time DCA comes out ahead. https://pressroom.vanguard.com/nonindexed/7.23.2012_Do...
by apex84
Mon Nov 16, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5262

Re: Buying a wedding ring

Another option that I came across are lab created diamonds. These are diamonds that are man made rather than mined. We have a pair of custom earrings from them.

http://d.neadiamonds.com
by apex84
Mon Nov 16, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5262

Re: Buying a wedding ring

Agree with making sure it's the ring she wants. I did a lot of reading on Pricescope which is a forum about jewelry. Some of the vendors may be close to you, but I remember reading about whiteflash, good old gold, high performance diamonds, victor canera, & leon mege. We had a center stone that was ...
by apex84
Tue Nov 10, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 6573

Re: Watch under $100

Although closer to $120-130, I like the Seiko SGG729 & SGG731. Water resistant, titanium case & bracelet, & sapphire crystal make it very comfortable and practical and it looks nice too.
by apex84
Sun Nov 08, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 58
Views: 10419

Re: I need a classic men's black dress belt

This is a good thread. I also like Allen Edmonds and have older belts & shoes from them, but my size has changed a little over time. I like the Costco Kirkland belts in black and brown. They are affordable and seem to be holding up well. Mitchell Leather in Milwaukee makes custom belts using Horween...
by apex84
Sat Nov 07, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 18817

Re: Whisky Recommendations

FreeAtLast wrote:I recommend Glenkinchie to Scotch drinkers every chance I get. I don't understand why it is not more well-known. It possesses the most delicate flavor of all single malts, IMHO.
Can you compare this to Auchentoshan, Edradour, or Hazelburn? Always curious to learn more.
by apex84
Sat Nov 07, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 18817

Re: Whisky Recommendations

As several others have mentioned, Basil Hayden's is quite good. Since this is the Bogleheads, for a value choice, Old Grand Dad bonded is worth a try. It is very good and the old school bottle and lack of marketing keep the cost down. Uses the same higher rye mashbill from Jim Beam.
by apex84
Sat Nov 07, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 18817

Re: Whisky Recommendations

There are a lot of types of whiskey, here's a few starting points. I've tried to include value as a consideration, but have made some higher priced recommendations. Bourbon: American whiskey usually made of corn/rye/barley, but might be corn/wheat/barley and aged in new charred oak barrels. A few wo...
by apex84
Tue May 19, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 2596

Re: South Bend to Chicago to Milwaukee

Going north from Chicago to Milwaukee, you might want to stop by the Chicago Botanic Garden. The other thing I like to do north of the city is see a concert at Ravinia, but that depends on your timeline.
by apex84
Mon Apr 13, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 14602

Re: Password manager recommendations?

1Password. Syncs easily between my computers & portable devices. Easy to access on my computers & phone/tablet. I use all Apple stuff, but it is available in multiple platforms. Once you have secure unique passwords for everything, easy yet secure access to your manager is important.
by apex84
Sun Feb 01, 2015 9:38 pm
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 22
Views: 2897

Re: Need a new vacuum

I've been happy with my most recent vacuum, an LG Kompressor. It uses a system similar to the Dyson in that there is no filter (other than exhaust HPEA) or bag (most bagless cleaners have a filter element). It was substantially less than the Dyson and works well. A quick look at Amazon showed a pet ...
by apex84
Mon Sep 22, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 5523

Re: Anyone know anything about diamond rings?

In Chicago, you might also want to take a look at Marshall Pierce. I've had good experiences there for over 10 years.
by apex84
Fri Jul 18, 2014 7:59 pm
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 2610

Re: [Poll] % of 3 funds in your financial asset portfolio?

I hold the core 3 funds as a portion of my portfolio, but have other holdings as well so I answered 60% since that's what's in the 3 funds. For me, the other 40% includes municipal bonds, TIPS, US REITs, international real estate, micro-caps, small value, international small, & emerging markets. It'...
by apex84
Tue May 20, 2014 10:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout Fund
Replies: 11
Views: 2117

Re: Vanguard Managed Payout Fund

I like watching the allocation of this fund (I save the fund reports) as a guide to valuations & expected returns. There is a lot of discussion on this forum about the relative value of different asset classes and this fund provides a look at the outcomes of Vanguard's allocation process.
by apex84
Thu Apr 10, 2014 10:51 am
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 16466

Re: Anyone else very reluctant to buy right now?

I agree that there is a difference in investing new funds vs. selling/rebalancing. What I think that many people here believe is that the main difference is a psychological difference in how you feel making each move. After the trades have executed, the determinant of your returns is based on your i...
by apex84
Fri Jan 31, 2014 11:40 pm
Forum: Personal Investments
Topic: Resident physician wanting to get started
Replies: 15
Views: 2482

Re: Resident physician wanting to get started

I think the advice to check out http://whitecoatinvestor.com is good advice. I learned about investing by reading some of the classic books, starting with "Winning the Losers Game" which was recommended by my family's financial advisor at Merrill Lynch while I was in grad school (MD/PhD). Ultimately...
by apex84
Wed Jan 29, 2014 9:44 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 372
Views: 63584

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

Bonds are 20% of my retirement portfolio which is split between 403(b) plan & Roth IRA. Vanguard Total Bond Market: 60% of fixed income Vanguard Total International Bond: 20% of fixed income Vanguard Inflation-Protected Securities: 20% of fixed income I also hold both the Limited-Term & Intermediate...
by apex84
Sun Jan 12, 2014 1:59 pm
Forum: Investing - Theory, News & General
Topic: Why can't an Index Fund beat the market?
Replies: 17
Views: 2306

Re: Why can't an Index Fund beat the market?

Can you please explain this part: income from securities lending Is that something already being done by the vanguard total market index fund? Or is that something I would need to do seperetly? https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommentary/article/IWE_InvResSecuritiesLendi...