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Re: Individual Bonds vs. Bond Funds

I apologize.. I should have referenced that the individual bonds are managed by a professional at a cost of .25 which I believe to be more than reasonable for the institutional costs I have access to. I trust him so as far as being a pain etc.. I just collect coupons on a monthly basis. I havent ha...
by CaliJim
Thu Dec 18, 2014 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs. Bond Funds
Replies: 9
Views: 1139

Re: Got Stock option with a new job - Is it good ?

It is good if they go up in value. It will only be bad if they go down in value and you do something stupid. Same day sale is your friend. Exercise and hold with caution. When to exercise and when to sell can have tricky tax and gain/loss implications. The AMT tax can be a BEAR. LEARN AND UNDERSTAND...
by CaliJim
Wed Dec 17, 2014 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Got Stock option with a new job - Is it good ?
Replies: 9
Views: 1198

Re: Individual Bonds vs. Bond Funds

Assume a high net worth individual with a a large allocation to fixed income. Would there be any reason to choose a bond fund as opposed to individual muni bonds. Further assume I am not concerned about liquidity. Is diversification the only other reason to choose a bond fund. I currently have indi...
by CaliJim
Wed Dec 17, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs. Bond Funds
Replies: 9
Views: 1139

Re: Rental expense that crosses two calendar years

I'm no expert, but I think if you stick to cash method accounting, you will be fine. In other words, record the expense in the year the cash left your wallet. Generally, businesses use either cash or accrual method, either is fine usually as long as you don't switch back and forth all the time.
by CaliJim
Wed Dec 17, 2014 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental expense that crosses two calendar years
Replies: 4
Views: 627

Re: forex loss on Canada bond

You might take a look at IRS code 988. If I understand it correctly, you take the forex gain or loss as regular income gain or loss. It is not a capital gain or loss, unless you elected this prior to investment. I don't think selling now or redeeming at maturity has any bearing on the tax treatment ...
by CaliJim
Sun Dec 14, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: forex loss on Canada bond
Replies: 1
Views: 423

Re: Transfer IRA CD from US Bank to Puerto Rico? (US territo

The more I google this question.... The more I think you cannot do a custodian to custodian transfer from a U.S. IRA to. Puerto Rican IRA. US federal tax code and Puerto Rican tax codes are separate. By contributing to a U.S. IRA, you defer US taxes. You need to pay these deferred US taxes, and take...
by CaliJim
Sun Dec 14, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer IRA CD from US Bank to Puerto Rico? (US territory)
Replies: 6
Views: 590

Re: Help with parents investments

:oops: I'll correct my post
by CaliJim
Sun Dec 14, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with parents investments
Replies: 11
Views: 1541

Re: So, are there any appealing commodity funds/etfs?

Since people are treating oil prices like they're in a free fall, I feel it's a good time to wake from my hibernation of thinking about commodity funds, which I haven't even thought about in the last couple of years (and have never purchased). Are there any good commodity funds, or etf's or other i...
by CaliJim
Sun Dec 14, 2014 3:19 am
 
Forum: Investing - Theory, News & General
Topic: So, are there any appealing commodity funds/etfs?
Replies: 3
Views: 616

Re: Better inflation-indexed guaranteed options?

I don't think there is anything better than TIPS and Ibonds as a pure inflation hedge(?). Though stocks have beaten bonds over the long term, in the short term, only Ibonds and TIPS can keep up with high unexpected inflation. And only the government has the ability to print the money needed to pay o...
by CaliJim
Sun Dec 14, 2014 2:22 am
 
Forum: Investing - Theory, News & General
Topic: Better inflation-indexed guaranteed options?
Replies: 31
Views: 2395

Re: Transfer IRA CD from US Bank to Puerto Rico? (US territo

I am in the process of retiring and moving to Puerto Rico. I have a some IRA CD's in a bank here in the US and I would like to transfer them to a bank in Puerto Rico when they mature. Is it possible to do this without having the IRS considering this a withdrawal and having to pay taxes/penalties on...
by CaliJim
Sun Dec 14, 2014 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer IRA CD from US Bank to Puerto Rico? (US territory)
Replies: 6
Views: 590

Re: Help with parents investments

CaliJim, I made a mistake in my last post. The lifestrategy conservative growth is 40% stock/60% bonds. So if they put 20,000 in their checking account, 60,000 in an online bank account, 320,000 in the laddered CD, and 130,000 in the lifestrategy conservative growth that would give them very close ...
by CaliJim
Sun Dec 14, 2014 2:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with parents investments
Replies: 11
Views: 1541

Re: Help with parents investments

Given the higher burn rate, perhaps start at 90/10 [10 stock, 90 bond] and increase the CD ladder to 350 or 400.
Best
by CaliJim
Sat Dec 13, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with parents investments
Replies: 11
Views: 1541

Re: Resource which lists new ETF/Mutual Funds?

Don't know. Don't care. I already have all I need. Keep it simple. Truly new, innovative, and useful ETFs are few and far between.
by CaliJim
Fri Dec 12, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Resource which lists new ETF/Mutual Funds?
Replies: 2
Views: 413

Re: Help with parents investments

I am new to the forum. My parents-in-law wanted advice regarding their retirement money. They are elderly, and in poor health. They are in the withdrawal phase. Their income is about 2000 per month from a pension and social security. They have $110,000 in a traditional IRA, $70,00 outside an IRA. T...
by CaliJim
Fri Dec 12, 2014 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with parents investments
Replies: 11
Views: 1541

Re: Question for bond experts about Treasury STRIPS

Doc, Far be it from me to school a dude who wears a hoodie, or whose avatar wears a hoodie. Personally, I carry a wad in short term FDIC accounts for weddings and funerals and such. To each his own. But really, with these zero ladders, what you gain in return of capital, and stability of expected re...
by CaliJim
Fri Dec 12, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Question for bond experts about Treasury STRIPS
Replies: 14
Views: 1599

Re: REIT stock for real estate commission tax implication

I'm no expert not by a long shot but I'll give your post a small bump by answering and maybe someone more knowledgeable will correct me if I'm wrong. 1) If you are given something of value (currency or otherwise) as compensation for work, value is taxable regular income. So the value of the shares y...
by CaliJim
Thu Dec 11, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: REIT stock for real estate commission tax implication
Replies: 5
Views: 538

Re: Question for bond experts about Treasury STRIPS

CaliJim: I don’t think STRIPS are as “dangerous” as you make them sound. From what I've read Treasury is integrally involved in creating them with the investment banks. (http://www.riskglossary.com/link/treasury_strips.htm). I understand there may have been problems, however, before book entry was ...
by CaliJim
Thu Dec 11, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Question for bond experts about Treasury STRIPS
Replies: 14
Views: 1599

Re: Designing the "Recent Weather" Portfolio

The 40% long term bond position in that port capitalizes on the interest rate trends over the last 30 years. LT bonds are great until you get an unexpected bout of inflation. Better for the average saver and retiree to stick with durations that more closely match your needs. Barry is usually pretty ...
by CaliJim
Sun Dec 07, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Designing the "Recent Weather" Portfolio
Replies: 1
Views: 666

Re: Help with Investments Please

I am currently a real estate agent (sole proprietor) and my company has a small profit sharing plan. I am funding up to the match but I do not really like the investment options they have and I want to open an account with Vanguard. At the end of the year we will have around 60k to invest and I'm n...
by CaliJim
Sun Dec 07, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investments Please
Replies: 2
Views: 345

Re: "Don't Put Up With Big Capital Gains Payouts"

Excellent timely reminder. Thanks Taylor.
by CaliJim
Sun Dec 07, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Don't Put Up With Big Capital Gains Payouts"
Replies: 3
Views: 1280

Re: Question for bond experts about Treasury STRIPS

Oh... And. Welcome to the forum! Where we are sometimes brutally honest with our thoughts :D
by CaliJim
Sun Dec 07, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: Question for bond experts about Treasury STRIPS
Replies: 14
Views: 1599

Re: Question for bond experts about Treasury STRIPS

Question for the bond pros out there - what is your view on interest vs. principal STRIPS? Here's a Fed paper that addresses the issue on page 7: http://www.federalreserve.gov/pubs/feds/2000/200042/200042pap.pdf The Fed theorized the difference in price is due to fungibility - principal is tied to ...
by CaliJim
Sun Dec 07, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Question for bond experts about Treasury STRIPS
Replies: 14
Views: 1599

Re: Stock Options

I saw on business insider that this website is having a competition to get stock options in its company. https://jet.com/#/ji/cfntt How exactly would that work? Would you have to pay them once you win the options? Or do they set the basis when you win them and you can exercise them once the company...
by CaliJim
Sun Dec 07, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Options
Replies: 1
Views: 445

Re: Value of Bond ETFs in relation to redemptions

Hi, Long term lurker first time poster. I was wondering about Bonds and how redemption may or may not affect their value. I used to own PIMPCO TOTAL RETURN BOND FUND ETF. Bill Gross was recently ousted as its manager and the fund has faced massive redemption. Does this affect the overall price of t...
by CaliJim
Sun Dec 07, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Value of Bond ETFs in relation to redemptions
Replies: 2
Views: 320

Re: Advice on Stock Options

Greetings, I tried looking in the Wiki but didn't find anything specific. I'm hoping to hear what kind of criteria folks put in place when dealing with company stock options. I get typical yearly grants that are good for 10 years and vest over 5. What are some good rules of thumb as to when to exer...
by CaliJim
Sun Dec 07, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Advice on Stock Options
Replies: 8
Views: 1201

Re: FLPs or Similar

Oh... and regarding economies of scale.

Hmmm.... not so much there if you are a boglehead. We don't need no economies of scale when the index funds we use charge less than a tenth of a percent vig.
by CaliJim
Sat Nov 29, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: FLPs or Similar
Replies: 2
Views: 501

Re: FLPs or Similar

Very generous thoughts from you and your bro. Nice. I'm no expert....but I'd keep things as simple as possible. I like keeping my assets under my own direct control and just write them a $5k check each Christmas or New Years. Why not just plan to get together with your bro during the holidays, sit i...
by CaliJim
Sat Nov 29, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: FLPs or Similar
Replies: 2
Views: 501

Re: duration & flat yield curve

BTW - people have been predicting higher interest rates since 2008. Those that have gone too short have left money on the table. Those that have gone long risk having a huge headache when the rates do inevitably go up. Hence - best to be a Goldilocks with regard to bonds - not too long, not too shor...
by CaliJim
Tue Nov 25, 2014 1:13 am
 
Forum: Investing - Theory, News & General
Topic: duration & flat yield curve
Replies: 16
Views: 1463

Re: duration & flat curve

I was thinking that Long term bonds probably have a lower correlation with the stock market therefore adding better diversification. Also higher average returns. So maybe thats an argument for generally holding longer term bonds. There are some model portfolio strategies that use long term bonds as...
by CaliJim
Tue Nov 25, 2014 1:10 am
 
Forum: Investing - Theory, News & General
Topic: duration & flat yield curve
Replies: 16
Views: 1463

Re: Wisdom: When to drop disability insurance?

If your nest egg is big enough, drop it. If you really need this coming year's income to fully top up your portfolio, keep it. If somewhere in between split the difference and cancel it halfway into the year.
by CaliJim
Tue Nov 25, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Wisdom: When to drop disability insurance?
Replies: 11
Views: 1223

Re: duration & flat curve

what happens if short term rates go up and long term rates don't. Then wouldn't short term bond funds drop more than longer term funds? I'm no expert but here is my opinion: Yes the short term bond's market value would drop and the longer term bond's market value would stay the same. But, you have ...
by CaliJim
Tue Nov 25, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: duration & flat yield curve
Replies: 16
Views: 1463

Re: How to Calculate Tax-free growth vs growth to be taxed

Couldn't you just model it as if it were a Roth IRA? Or what am I not understanding?
by CaliJim
Mon Nov 24, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Tax-free growth vs growth to be taxed
Replies: 1
Views: 310

Re: Closing date. Switch lender or stay?

I'm no expert but I can imagine a couple of ways to go about this: 1) Talk to your escrow officer about the issue and get input from them. They are familiar with local conditions. 2) Talk to a real estate lawyer. Some will give you a free answer over the phone for an issue like this. 3) Get your sec...
by CaliJim
Fri Nov 21, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing date. Switch lender or stay?
Replies: 1
Views: 617

Re: Investment interest expense and muni bonds

Good stuff. Sounds like you are headed in the right direction.
by CaliJim
Fri Nov 21, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 8
Views: 1073

Re: Investment interest expense and muni bonds

Hi, I see nobody has answered you so I'll chime in. Let's see if responding brings your question up to the top again. Here are my more general comments: Borrowing money for the purpose of investing is not a Boglehead protocol. http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy I w...
by CaliJim
Mon Nov 17, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment interest expense and muni bonds
Replies: 8
Views: 1073

Re: Anyone have a smartwatch?

Hi SoccerDad12: I don't have a smart watch so I can't comment specifically on the product, but I will comment anyway. I assume you are like most of us and money is a means to an end, and you really just want to maximize your personal utility function. In that case, I would suggest that, when you go ...
by CaliJim
Mon Nov 10, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a smartwatch?
Replies: 10
Views: 1154

Re: Question about allocating extra income Re: Social Securi

Hi, Not enough information given really. To get the 'correct' answer you'd need to fully model it using the social security PIA calcs, SS claiming age, current health and life expectancy tables, etc. My question is, is there work to be done to earn this money, and which spouse is the person who can ...
by CaliJim
Mon Nov 10, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about allocating extra income Re: Social Security
Replies: 5
Views: 818

Re: Feasibility of just-in-time health insurance for expats

I've no idea, but I suggest you call our friendly government and find out from the horses mouth directly.
https://www.healthcare.gov/contact-us/
1-800-318-2596

Sorry to hear this news. Best of luck to you.
by CaliJim
Thu Oct 23, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feasibility of just-in-time health insurance for expats
Replies: 7
Views: 474

Re: question on selling real estate costs

Hi, No tax expert, I think the answer is YES, you add it to your basis, thus reducing your capital gains. See IRS publication 523. http://www.irs.gov/publications/p523/ar02.html#en_US_2013_publink1000200632, quoted below. " Some of the settlement fees or closing costs that you can include in yo...
by CaliJim
Thu Oct 23, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: question on selling real estate costs
Replies: 14
Views: 963

Re: John Bogle's Speech to the Senate Finance Committee

Hi Taylor,

Thanks for posting the link. It's great to see Jack appearing vigorous and speaking truth to power.

I'm glad he made the point about needing to hold investment managers to the higher fiduciary standard.
by CaliJim
Thu Oct 23, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Speech to the Senate Finance Committee
Replies: 1
Views: 985

Re: Low cost Commodities/Natural Resources options

Yo Jonny, Bogleheads are not married to the three fund portfolio. There are lots of slice-and-dicers here. However, I think many here agree that chasing sector funds is not a great idea. See http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy - especially the bit about "Never ...
by CaliJim
Sun Oct 19, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low cost Commodities/Natural Resources options
Replies: 3
Views: 420

Re: Personal Investment Decision

Hi kmedina8, Welcome to the Bogleheads. I assume you also have some funds tucked safely away elsewhere for emergencies? If not - put 3 to 6 months living expenses in a high yield savings account FIRST for emergencies. Otherwise, you're on the right track with regard to using low cost Vanguard funds,...
by CaliJim
Sun Oct 19, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Decision
Replies: 16
Views: 1649

Re: Career advice for retiring doc

I suspect that there are non-profits and healthcare advisory boards in your area that could make use of someone with your skills, knowledge, talent and experience.

http://www.state.nj.us/humanservices/involved/boards/
by CaliJim
Sun Aug 03, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2276

Re: Boat loans

Get a partner or two. Once upon a time, I wanted a boat but could not afford one for cash. But together with my brother-in-law we were able to scrape up enough :moneybag to buy one. 18' bowrider with a big merc outboard. We had a blast water skiing, camping at the lake, houseboating on Shasta. Good ...
by CaliJim
Sun Aug 03, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1658

Re: To Buy or Not after Paid off Car & House

Comprehensive is not just to protect the lender. It also protects you from a big unplanned out of pocket expense to replace the car. So it depends on how deep your other pockets are, lifestyle choices, how inexpensive a replacement car you are willing to drive should you need to replace your rig, ho...
by CaliJim
Sun Aug 03, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: To Buy or Not after Paid off Car & House
Replies: 7
Views: 1049

Re: SUV tires

I put Bridgestone Dueler H/L 422 Ecopia low rolling resistance tires on my 06 Murano at the end of May. I'm very happy with their performance. I had good traction in the snow we encountered in Yellowstone in July. Quite enough on the interstates. And gas mileage improved about 5%.
by CaliJim
Sun Aug 03, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1804

Re: Incentive Stock Options (ISOs) and the AMT

This is a good book on ISOs. It is periodically updated:

http://www.amazon.com/Consider-Your-Opt ... ur+options
by CaliJim
Mon Jul 07, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options (ISOs) and the AMT
Replies: 7
Views: 579

Re: Mistake: extra dirt

If the vendor doesn't want to come pick it up, then the dirt is now yours free of charge and free of guilt. Here are some ideas Idea #1: Put dirt in old cut-down milk cartons. Plant seeds in the cartons. Water. Sell the seedlings. Give the money to charity. Idea #2: Put one bucket of dirt a week int...
by CaliJim
Thu Jun 05, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2211

Re: VIPSX alloc in Mom's Port

dbr: thx
by CaliJim
Mon Jan 13, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 761

Re: VIPSX alloc in Mom's Port

DBR: Thanks. Yes these is a little lack of clarity about objectives. Or rather - multiple competing objectives. As in: not lose too much in inflation times (TIPS) , not miss out too much in prosperity (Stocks), not be too short on the yield curve if rates stay stable or decline (Total Bonds), not be...
by CaliJim
Sun Jan 12, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 761
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