Search found 923 matches

by czeckers
Wed Sep 05, 2007 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Multiple 529 Plans?
Replies: 14
Views: 2817

Out of curiosity... 1) If one opens a Nevada 529 plan at Vanguard, will the account balance count toward Flagship status? 2) If one has money in the same fund (i.e. TSM) in both a 403b and a 529, would they count together toward admiral shares, or is the 100K minimum on per-account basis? -K
by czeckers
Wed Sep 05, 2007 7:41 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index versus Intermediate-term Bond Index
Replies: 21
Views: 5533

I rembered reading a while back that the good Dr. Bernstein had something to say on the topic. Searching through the Efficient Frontier yielded this LINK . Speaking of good quotes, this is one from the linked article and is one of the best I've seen in a while: I'll make this one short and sweet. Bo...
by czeckers
Wed Sep 05, 2007 7:11 am
Forum: Investing - Theory, News & General
Topic: Whats so great about 1 million dollars?
Replies: 105
Views: 31308

a 35 year old married man with 6 young kids and a high maintenance wife living in San Francisco, CA who wants to "keep up with the Joneses" needs a lot more money hmmmm, don't know that many high-maintenance types that would have 6 kids In reply to the original post, it comes down to this...
by czeckers
Mon Sep 03, 2007 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wal-Mart really makes me mad sometimes
Replies: 55
Views: 15893

In my field, Medicaid pays the least, followed closely by Medicare. The private payers in my area pay roughly 30-50% more than Medicare. However, since my group is contracted to provide services within a hospital, we don't have the option of choosing our patients. As mentioned before though, Medicar...
by czeckers
Fri Aug 31, 2007 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Wal-Mart really makes me mad sometimes
Replies: 55
Views: 15893

I don't think the situation you describe is a function of the "system." It's a function of how much American health care providers charge. It's true we don't have price controls as many other countries do. If you want price controls here, I can understand why. But the basic reason we spen...
by czeckers
Fri Aug 31, 2007 4:14 pm
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

Interesting paper Pete... It raises some serious questions about data mining though. With only one time period being sampled (1970-2000), it's hard to say whether the result occured by chance or because it actually works. Unfortunately this is true to one degree or another in all back-tested financi...
by czeckers
Fri Aug 31, 2007 4:02 pm
Forum: Investing - Theory, News & General
Topic: Factoring increasing contributions into investment planning
Replies: 6
Views: 2287

Thanks for the links.

I was wondering how many people actually took this into account when setting up their retirement plans.
by czeckers
Fri Aug 31, 2007 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Wal-Mart really makes me mad sometimes
Replies: 55
Views: 15893

The fact of the matter is that the cost of health insurance is increasing much faster than the rate of inflation and employers are beginning to shift more of the burden to their employees. For examply, starting in January, I will pay 3x more for my coverage and go from a $500 deductible to a $5000 d...
by czeckers
Fri Aug 31, 2007 9:29 am
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

Of course you can do whatever you like with your thread . I just try hard not to hijack it myself. You're right though, the original topic got lost in the questions re: value averaging. Your original topic is an interesting one though. Should we be adjusting the relative risk of our portfolio based ...
by czeckers
Fri Aug 31, 2007 8:59 am
Forum: Investing - Theory, News & General
Topic: Factoring increasing contributions into investment planning
Replies: 6
Views: 2287

Factoring increasing contributions into investment planning

This is a question about how much I should be investing periodically every month to reach my retirement goal. Most calculators I've found calculate that if I start out with x dollars, and contribute y dollars/year, and the market return is z, the portfolio value will be whatever after in n years. In...
by czeckers
Fri Aug 31, 2007 8:47 am
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

As an aside, one other thing I like about Edleson's approach, is that he seems to be the only person I've come accross that includes annual increases in your contributions in his calculations. Most calculators I've found calculate that if I start out with x dollars, and contribute y dollars/year, an...
by czeckers
Fri Aug 31, 2007 8:35 am
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

Michael E. Edleson developed this approach and does a very nice job of explaining the approach and comparing it to DCA. He also spends a lot of time discussing various practical permutations and how to make it work in real life. Fact is, there WILL be periods when you won't have enough cash to get b...
by czeckers
Fri Aug 31, 2007 8:12 am
Forum: Investing - Help with Personal Investments
Topic: 457 vs. 403b plans
Replies: 8
Views: 2194

Out of curiosity... my employer requires me to max out my 403b before being able to contribute to the 457. Does anyone know of any advantage to the employer to have the employees contribure to the 403b over the 457? The 457 certainly seems like a good idea if anyone has any ambitions of retiring ear...
by czeckers
Fri Aug 31, 2007 7:50 am
Forum: Investing - Theory, News & General
Topic: Update on my books--for those interested
Replies: 53
Views: 20352

I would love to encourage Larry "... to write a book on retirement and investing issues." Larry, I would have to aggree with the above. It seems that the vast majority of financial books out there seem to focus on the accumulation phase of investing, and at best address one chapter to the...
by czeckers
Wed Aug 29, 2007 7:04 am
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

LH, Please lset me try to clarify. In DCA, you invest a certain amount monthly and your portfolio grows depending on the market return. In value averaging, you determine how much you want your portfolio to grow, and the amount of money that is invested depends on market conditions. So let's say your...
by czeckers
Tue Aug 28, 2007 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Life Insurance Quotes
Replies: 28
Views: 7129

I just went through these calculations for myself recently. I ended up opting with large 20yr policy and a small 30yr policy. In my case this was considerably cheaper than paying 20 years on a more expensive larger 30yr policy only to downgrade it in the last 10 years. If you take inflation into acc...
by czeckers
Tue Aug 28, 2007 6:38 pm
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

In reply to your comment: I would posit that the above though is not strictly true. Even though you desire it, and you practice the above technique, that ability to achieve a 7 percent return is still market dependant, and the market may well not let you achieve it. You will not know "exactly&q...
by czeckers
Mon Aug 27, 2007 8:25 pm
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

I have been suing value averaging for a few months and really like it so far. *chuckle* I read the book on recommendation from efficientfrontier.com (William Bernstein). Here's my take on value averaging: DCA discussions often confuse two different situations. The first is if you received a lump su...
by czeckers
Mon Aug 27, 2007 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation advice
Replies: 3
Views: 1876

International allocation advice

I am trying to nail down my AA and would like some input with regards to diversifying the international portion of my portfolio using Vanguard only funds (including access to VINEX). All investments will be within 403b and 457 tax-deffered accounts. One approach is go simple and use Total Internatio...
by czeckers
Mon Aug 27, 2007 10:27 am
Forum: Investing - Theory, News & General
Topic: DCA, Value Averaging, or Tactical Asset Allocation
Replies: 38
Views: 12011

With regards to the value averaging approach, it seems what you are thinking about is accomplished to some degree with the side fund such as VMMXX or VFISX where you park the excess cash. By counting this fund toward your fixed-income allocation, it will cause your fixed-income percentage to grow du...
by czeckers
Mon Aug 27, 2007 10:05 am
Forum: Investing - Help with Personal Investments
Topic: AA, unified portfolio, and rebalancing question
Replies: 4
Views: 1257

AA, unified portfolio, and rebalancing question

I am a relative new to posting on this forum, but have been lurking for some time now. I definitely find the various posts and replies to be immensly helpful in my thinking about my own investment plan. It seems that the preferred way for allocating assets between various investment vehicles/structu...
by czeckers
Thu May 17, 2007 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: 529 as non-taxable retirment account, vs taxable
Replies: 10
Views: 3319

Wonder if there's a university that uses cruise ships as the campus? Anything is possible. There is Semester at Sea through UVA which I know several people had done and was great. While looking for the URL by Googling "semester at sea," I saw there are a number of other programs out there...
by czeckers
Thu May 17, 2007 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vehicles for investing in commodity futures
Replies: 2
Views: 1313

Vehicles for investing in commodity futures

I have been following the synthetic commodities returns discussion (and the implicit arguments whether or not investing in commodities is a good idea at this time) with great interest. As a separate but related thread, I am curious what people's thoughts are regarding the currently available vehicle...