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Re: Portfolio Review Please

Hi, I think you are in pretty good shape for your age. I personally think that asset allocations should target the range between 80/20, and 20/80. 90% stocks too me feels high, at any age. I think 80/20 would be better for you. Keep the 2060 target fund (or move to the 2055 fund at some point), and ...
by CaliJim
Mon Feb 23, 2015 1:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 7
Views: 516

Re: 1099R [Portfolio help]

Hello: I am getting a roll over from my employer of app. 1,300,000 in a few weeks. I am 60 years old and would like to retire in 2 to 5 years. What is my best option? Thanks for your help. Hi Rand, Welcome to the Bogleheads forum. You've come to the right place to get some great advice. But to get ...
by CaliJim
Mon Feb 23, 2015 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: 1099R [Portfolio help]
Replies: 1
Views: 200

Re: help me speed up my computer

Off the top of my head: 1) Software issues: Clear all history and cookies from your browser. Check what programs are running at startup. (Start Menu, Type "MSCONFIG". )Turn off features and program you don't use. Cleanup the disk. Run "Disk Cleanup". (Start Menu. Type "Disk ...
by CaliJim
Sat Feb 21, 2015 12:30 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3499

Re: Should I wait to invest in Bonds Funds?

By all means start buying into an appropriate bond fund. Investment grade US Bonds have been WAY LESS volatile than stocks. If and when bond market values drop due to an increase in interest rate, the drop is likely to be measured by SINGLE DIGITS (< 10%), and the blow is softened by the fact that y...
by CaliJim
Wed Feb 04, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I wait to invest in Bonds Funds?
Replies: 14
Views: 1256

Re: Home Remodel

Hi, How much will your home be worth after the remodeling? When you say "take out", do you mean borrow, as in, getting a second mortgage or home equity loan? Your loan to value (LTV) ratio now is 120/160, or 75%. You can typically borrow up to 80% LTV at reasonable rates. So, assuming an 8...
by CaliJim
Mon Feb 02, 2015 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Remodel
Replies: 7
Views: 1233

Re: Is now a bad time to buy a mutual fund?

Nobody knows. This question can ONLY be answered retrospectively. What IS known is that you should to do SOMETHING with your retirement savings, or risk losing them to inflation, and low cost diversified investment is a great way to reduce investing risk. Make a plan (see the Boglehead WIKI articles...
by CaliJim
Fri Jan 30, 2015 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1229

Re: cvt transmissions

I own a 2006 Nissan Murano with a CVT w/ 90k miles. Very reliable. I like it.
by CaliJim
Thu Jan 29, 2015 6:24 pm
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2747

Re: Newer washing machine freaks out dog

In addition to having your machine inspected and repaired or replaced... 1) use water hammer arresters: http://www.amazon.com/Oatey-38600-Washing-Machine-Absorber/dp/B000BO6G8 to help with fill valve noise and prolong valve life 2) use a heavy rubber (not light neoprene as in another suggestion) sta...
by CaliJim
Wed Jan 28, 2015 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 41
Views: 2955

Re: Hawaii Visit (Maui). Need advice

Coolest hike I've ever done on Maui is west side of 'Ioa Needle - along the 'Ioa stream on paved trails, then continuing on dirt trails. And some point we headed up the north slope following a local, on a trail known only to locals, to a lookout point. Then it was back downhill to the stream and a d...
by CaliJim
Mon Jan 26, 2015 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2558

Re: How much does a large payment reduce mortgage

Based on your information, your monthly payment is $1,011.01/month on a $215,000 30-yr mortgage at 3.875%. Your original loan payout is $363,964 with $148,964 of it being interest for 30-yrs. Prior to this you already made roughly $15000 in principal payments. If you make an additional $10,000 prin...
by CaliJim
Fri Jan 16, 2015 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: How much does a large payment reduce mortgage
Replies: 34
Views: 2760

Re: Help to Understand How to Build Post-Retirement Income

Regarding harvesting the income. Really it is no big deal. I do like to keep the next year's spending in short term fixed income to eliminate short term volatility from my short term planning. I can plan a vacation knowing the money I've allocated to it isn't going to shrink by 25% before I go. But ...
by CaliJim
Wed Jan 14, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to Understand How to Build Post-Retirement Income
Replies: 11
Views: 1390

Re: Help to Understand How to Build Post-Retirement Income

Regarding "all with different companies".... It is a VERY GOOD ideal to consolidate for the sake of simplicity, and hold your IRA's and Brokerage accounts at one of the lower cost, high reputation, custodians/brokerages. The ones most commonly mentioned here are: Vanguard Schwab Fidelity W...
by CaliJim
Wed Jan 14, 2015 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to Understand How to Build Post-Retirement Income
Replies: 11
Views: 1390

Re: Pre-IPO vs immediately post-IPO stock options?

Thanks, Jim. Yes, I'm sure they wouldn't backdate. But NSQOs can be granted to nonemployees (or before hire), so I wondered if that's something ever done by companies on the cusp of an IPO. Guess I'll find out for sure when I talk to HR! Thank you. Just remember.... HRs first priority is to protect...
by CaliJim
Wed Jan 14, 2015 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pre-IPO vs immediately post-IPO stock options?
Replies: 5
Views: 564

Re: Finally joined the two comma club

Four years ago I came here to ask for help . A few of you did, and a month later I set my plan into motion. A couple of people chimed in with advice, but it was retiredjg that set me straight and put me on a path that allowed me to reach this milestone; the 1mil mark. Through steady saving and mont...
by CaliJim
Wed Jan 14, 2015 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6231

Re: How does a Boglehead handle stock options?

If I was feeling so-so about the company, same day sell 100%. If excited about the future: same day sell at least 75%, pay the AMT, and be thankful. Buy and hold remaining shares, no more than 25%, hold for a year and sell at least 15% at lower long term gains. You may still end up ahead on these sh...
by CaliJim
Wed Jan 14, 2015 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1880

Re: Pre-IPO vs immediately post-IPO stock options?

Thanks for the response, Jim, I appreciate it! My last company had vesting over 4 years (25% each year) and I think that's also the case here, and with most companies. But my last company was public when I joined, so my option price was set/approved on the date of the next board meeting after I was...
by CaliJim
Wed Jan 14, 2015 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Pre-IPO vs immediately post-IPO stock options?
Replies: 5
Views: 564

Re: Stock Options Compensation Question

Hey Bogleheads, Long time lurker, first time poster here. I had a specific question hoping someone has experience with here. Let's say on Friday I was verbally offered a compensation package from Company A (publicly traded) where 50% of my total cash compensation was granted as one time stock optio...
by CaliJim
Mon Jan 12, 2015 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Options Compensation Question
Replies: 2
Views: 315

Re: Pre-IPO vs immediately post-IPO stock options?

I *believe* that any stock options you are granted will be priced AS OF your date of hire. You will then likely vest (be able to exercise) these options over time, typically 25% after one year, then pro-rated quarterly thereafter for the next 3 years (4 year vesting). They may also have an 'evergree...
by CaliJim
Mon Jan 12, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pre-IPO vs immediately post-IPO stock options?
Replies: 5
Views: 564

Re: boglehead workout

With any workout related question, you'll get a thousand different opinions, many of which include effective advice. Regardless of the routine, I feel the important thing is that whatever you pick, pick something that you can consistently see yourself doing, without fail, for the next 20 years. The...
by CaliJim
Mon Jan 12, 2015 7:54 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: boglehead workout

mbk734 wrote:Squats/dead lift, bench press, pull-ups, dips. Sprints before and after. Total body workout.


I'd add shoulder press, rows (upright and bent over), and sit-up/crunch/knees-to-elbows to this list.

Strong lifts 5x5. +1
Starting Strength by Ripitoe is. Good book.
by CaliJim
Mon Jan 12, 2015 1:52 am
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: Interest Rates and TIPS

I think, generally, subject to weird liquidity issues like we had in 2008/2009:

if inflation stays the same and nominal treasury rates go up, then a TIP's market value will go down to reflect the increase the market's credit risk premium.
by CaliJim
Mon Jan 12, 2015 1:44 am
 
Forum: Investing - Theory, News & General
Topic: Interest Rates and TIPS
Replies: 2
Views: 492

Re: Should I even be in bonds?

I think bonds are very important for older folk who are looking at >2.5% withdrawal rates in retirement.
Smoothing out the ups and downs during decumulation is important.
Run the MonteCarlo simulations and you will see how having some percentage in bonds helps portfolio longevity in retirement.
by CaliJim
Sat Jan 03, 2015 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3703

Re: Investing non-profit endowment funds

Contact the treasurer of other similar non-profits and ask them to share?
by CaliJim
Sat Jan 03, 2015 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing non-profit endowment funds
Replies: 7
Views: 692

Re: 2% savings rate? Emerg Doc?

I had read a post from Emerg Doc about a 2% savings rate. Where is this? What type of account? 5 year CD rates are in this range. http://www.nerdwallet.com/rates/cds/best-cd-rates/ http://www.ally.com/bank/savings/ http://www.bankrate.com/partners/sem/cd-rates-v6-nl.aspx Were you talking about this...
by CaliJim
Sat Jan 03, 2015 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 2% savings rate? Emerg Doc?
Replies: 6
Views: 2046

Re: Repair or Replace Car?

Welcome to the forum. Nurse the old Camery as long as you can while you save to buy a newer car with cash. Cash is king when negotiating for a good price. The issue is not repair cost vs market value. ($850 vs $1500). The issue is annual auto expense. Focus on keeping your annualized auto expense lo...
by CaliJim
Sat Jan 03, 2015 12:41 am
 
Forum: Personal Consumer Issues
Topic: Repair or Replace Car?
Replies: 13
Views: 1716

Re: new poster - taxable investing and overall portfolio

Hi Welcome to the forum. Just glancing at your current holdings and not getting to your questions...yet...your Expense Ratios in your former company 401ks are too high, And you definitely want to reduce holdings in the company stock fund to well below 5%. Too much concentrated non-systemic risk ass...
by CaliJim
Fri Jan 02, 2015 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: new poster - taxable investing and overall portfolio
Replies: 5
Views: 716

Re: ETFs can fundamentally change

Thanks for pointing this out. Good reminder to us all.

What's your take-away? Avoid smaller funds and efts? Avoid ishares? Both?
by CaliJim
Fri Jan 02, 2015 1:04 am
 
Forum: Investing - Theory, News & General
Topic: ETFs can fundamentally change
Replies: 8
Views: 1099

Re: Can we retire in 2018? Should we change asset allocation

They hope to have retirement income of $100k
by CaliJim
Fri Jan 02, 2015 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Can we retire in 2018? Should we change asset allocation?
Replies: 6
Views: 1359

Re: Portfolio Advice, Lots of Unknowns

You may want to have more in short term fixed income (CDs, short term munis) to help with income risk and house down payment. Target 80/20 or 75/25 top level AA. Maximize tax advantages savings. Run payroll, you need income to be able to contribute to SEP/Tira/401k. Keep it simple! Live below your m...
by CaliJim
Thu Jan 01, 2015 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Lots of Unknowns
Replies: 1
Views: 295

Re: Financial Software Program for Service Organizations

Even plain old Quicken is better than nothing. You can download txns from the bank and categorize spending using the recommended chart of accounts. A step up would be Quickbooks online edition. It isn't that hard. $10/mo, $20/mo if you want bill pay and multi user. EZ. You could even hire a bookkeep...
by CaliJim
Thu Jan 01, 2015 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Software Program for Service Organizations
Replies: 2
Views: 321

Re: new poster - taxable investing and overall portfolio

Hi Welcome to the forum. Just glancing at your current holdings and not getting to your questions...yet...your Expense Ratios in your former company 401ks are too high, And you definitely want to reduce holdings in the company stock fund to well below 5%. Too much concentrated non-systemic risk asso...
by CaliJim
Thu Jan 01, 2015 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: new poster - taxable investing and overall portfolio
Replies: 5
Views: 716

Re: Can we retire in 2018? Should we change asset allocation

I think with ~$1.6m in retirement savings, plus whatever else you can sock away between now and then, and ~$67k in SS starting in 2023/2024, your 2018 target retirement plan is OK. You will burn about ~$600k between 2018 and 2024. This leaves $1m at 2024 when SS kicks in, at which point your burn ra...
by CaliJim
Thu Jan 01, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can we retire in 2018? Should we change asset allocation?
Replies: 6
Views: 1359

Re: Can private company stock be purchased in ROTH IRA?

Hi All, I have seen some previous threads on the topic (see below) but not a conclusive recommendation for purchasing (not transferring) private company stock in a ROTH IRA account. I am likely to be joining a startup in the not too distant future. The company may allow me to exercise stock options...
by CaliJim
Thu Jan 01, 2015 2:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Can private company stock be purchased in ROTH IRA?
Replies: 1
Views: 899

Re: Poll: Esoteric fund choice / comparison S&P500 vs Large-

To misquote Chauncy Gardener, "I like to vote."
by CaliJim
Thu Jan 01, 2015 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Esoteric fund choice / comparison S&P500 vs Large-cap
Replies: 17
Views: 1268

Re: Tilting towards Consumer Staples

Low correlation is not in itself a goal.

In general, tilting with sector funds are not a recommended approach around here.

Small and value tilts are popular, but many are happy with just the standard three fund approach.
by CaliJim
Wed Dec 31, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting towards Consumer Staples
Replies: 7
Views: 969

Re: Do commodities provide a real return?

+1 to what toto238 said
by CaliJim
Wed Dec 31, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Do commodities provide a real return?
Replies: 25
Views: 1024

Re: Do commodities provide a real return?

I lost my first $5k in commodities when I was young and just starting out. Since then I've conducted many other investment experiments before becoming a boglehead. Now that I'm a boglehead, I'm 'done' with commodities, chasing last years returns, and looking for that magic investment. Commodities, c...
by CaliJim
Wed Dec 31, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do commodities provide a real return?
Replies: 25
Views: 1024

Re: How to make more money?

The OP has not responded. I think we've overwhelmed him with our generous advice! :?:
by CaliJim
Wed Dec 31, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5599

Re: Seeking advices for portfolio and investing strategy

Laura has given you some great advice. Regarding asset allocation.... I like age in bonds as a starting poin. I think B Grahm's advice that most all people should to stay in the 80/20 to 20/80 range is really good. And I would go further and say 60/40 to 40/60 is even better for less experienced inv...
by CaliJim
Wed Dec 31, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advices for portfolio and investing strategy
Replies: 7
Views: 1131

Re: Retirement Account Question

Someone certainly can, so the answer is yes. Different question is whether you can. And that answer depends on many things not stated in the original posting, like whether your employer offers a 401k, whether your income qualifies for a pre-tax IRA contribution, etc. Ok ok ok. Yes. The answer is ye...
by CaliJim
Wed Dec 31, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Account Question
Replies: 4
Views: 767

Re: Seeking advices for portfolio and investing strategy

Dear All, First I want to thank you for reading my post and providing any suggestions/comments you may have. I never thought about investing seriously until a few month ago. After read the book "The Bogleheads' Guide to Investing" and many posts in this forum, I feel it is time to post my...
by CaliJim
Wed Dec 31, 2014 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advices for portfolio and investing strategy
Replies: 7
Views: 1131

Re: How to invest a lump sum?

Not enough info to go on really.... See the sticky post about how to format questions related to a full portfolio review..... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 But I suspect that your stock/bond allocation is too risky. Age in bonds is a good rough rule of thumb to start ...
by CaliJim
Wed Dec 31, 2014 1:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest a lump sum?
Replies: 6
Views: 887

Re: How to make more money?

I'm 33 and government employee. I make 45k a year and my SO makes 50k a year. We live in a low cost of living area. Most of our friends are making a lot more and living in the Bay Area. I'm talking about 200k or more for 2 people household. I have an office job and SO is in retails. We are not poor...
by CaliJim
Wed Dec 31, 2014 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5599

Re: Quick question on percentages

Nobody knows the future, but in general, small company indexes have been more volatile than large company indexes. So yes, you could dial back expected volatility (and expected return) by using S&P500 instead of TSM. However, it is the volatility and return of your entire portfolio that matters ...
by CaliJim
Wed Dec 31, 2014 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on percentages
Replies: 8
Views: 682

Re: Ethical expenses?

Not sure where else to ask, but thought this group would have good advice. I have a fellow co-worker who bought several hundred dollars worth of Christmas gifts for employees in our office. And then yes, he expensed them to the company. He also tried to pass off a charitable gift on his expense rep...
by CaliJim
Mon Dec 29, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethical expenses?
Replies: 10
Views: 704

Re: 31 years old, just sold my business, early semi-retireme

I wanted to thank everyone again for the information and resources and recommendations. Spending the last week reading up on total return vs dividend investing, actively managed vs index, and lump-sum vs DCA... I've revised my proposed portfolio to the following: 13% Realty Income (O) (already owne...
by CaliJim
Mon Dec 29, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6002

Re: 31 years old, just sold my business, early semi-retireme

Don't chase returns. Buying 2 or 3 or 4 or 5 different REITS is not really much diversification. All of REITS are just one corner of the Small Cap universe, and Small Caps are one tiny corner of the entire equities market. The markets are pretty darn efficient when it comes to pricing risk and retur...
by CaliJim
Tue Dec 23, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6002

Re: 31 years old, just sold my business, early semi-retireme

By my calcs... I like a margin of error. $250k non cash- 180k mortgage=60k Npv of ss=not much Dude' got a little over a mil and will soon have seen all the movies he cares to watch. Look... Retirement is not some glory filled place that is the end all and be all. A 31 year old needs a purpose. Now h...
by CaliJim
Tue Dec 23, 2014 2:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6002
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