Search found 2062 matches

Return to advanced search

Re: VIPSX alloc in Mom's Port

dbr: thx
by CaliJim
Mon Jan 13, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 706

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 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 706

Re: VIPSX alloc in Mom's Port

Thank you all for your responses. I appreciate the feedback. I am reluctant to change her allocation. I think her current AA is good enough and so am inclined to "stay the course". But she has an investment adviser on the account and he is recommending changes. I have POA and she tells him...
by CaliJim
Sun Jan 12, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 706

VIPSX alloc in Mom's Port

Mom's Port is like this: 30 Stock / 70 Bonds Stock: 25% Total Stock Market Index 5% Total Intl Bonds: 30% Total Bond Index 10% Short Term Federal (VSGBX) 20% TIPS Index (VIPSX) 9% Ishare Short Term Bond Index (CSJ) 1% Cash Her situation: Single, 83 y/o, OK health, happily ensconced in a very good CC...
by CaliJim
Fri Jan 10, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIPSX alloc in Mom's Port
Replies: 11
Views: 706

Re: Business Development Companies - an asset class?

When they run out of better things to do, the marketeers on Wall Street sit around on their yachts dreaming up nifty sounding products to sell These diced up sector funds are like the Ronco Veg-o-matic (http://www.amazon.com/Ronco-FS100200GEN--Matic-Chopper-Slicer/dp/B000HDJN9E). You don't really ne...
by CaliJim
Thu Dec 19, 2013 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Business Development Companies - an asset class?
Replies: 3
Views: 335

Re: Advice on complaining to securities regulators?

It does sound like the firm did not act in the client's best interest, as required by their fiduciary responsibilities.

I don't have any experience WRT complaining - but here is the SEC web site: http://www.sec.gov/complaint/select.shtml
by CaliJim
Thu Dec 19, 2013 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on complaining to securities regulators?
Replies: 9
Views: 833

Re: inflation down, bond yields up...

I'm sorry... but the first thing that comes to mind is a tongue in cheek response: "Tell me what the cpi and yield will be in Jun 2014, and I'll tell you whether you should buy now or wait till next June." What you are observing here is indicative of the past, not the future, which is unkn...
by CaliJim
Wed Dec 18, 2013 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: inflation down, bond yields up...
Replies: 42
Views: 3513

Re: Emergency fund options with domestic partner? PenFed 3%

A CD ladder at PenFed or elsewhere is a great place for an emergency fund.

BTW.... marriage ain't such a bad thing. :wink:
by CaliJim
Tue Dec 17, 2013 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund options with domestic partner? PenFed 3% CD?
Replies: 1
Views: 403

Re: AAII Stock Superstars Portfolio

Don't pay the price for active stock picking or fund picking advice.
It isn't worth it.
It doesn't work because nobody knows the future.
Out performance of active management is either a result of luck and/or higher levels of risk. It is not skill, and the out performance may not persist.
by CaliJim
Tue Dec 17, 2013 2:26 am
 
Forum: Investing - Help with Personal Investments
Topic: AAII Stock Superstars Portfolio
Replies: 2
Views: 462

Re: Transmutation agreement - Asset transfer

sscritic wrote:Don't need a lawyer. See my answer to his second thread from Mon, Dec 9.

viewtopic.php?f=2&t=128005


Gotcha
by CaliJim
Thu Dec 12, 2013 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmutation agreement - Asset transfer
Replies: 4
Views: 276

Re: Alternative Investment in Real Estate

I would only use a low cost REIT index fund for making passive real estate investments - something like VNQ (Vanguard REIT index) I would put no more than 10% of my portfolio into passive real estate investments. More than that is speculating in market sectors and lacks diversification. Investing in...
by CaliJim
Thu Dec 12, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative Investment in Real Estate
Replies: 1
Views: 296

Re: Free Tax Planning Software Recomendations

Turbotax's TaxCaster might fit the bill
by CaliJim
Thu Dec 12, 2013 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Free Tax Planning Software Recomendations
Replies: 1
Views: 275

Re: Transmutation agreement - Asset transfer

You might want to talk with a lawyer. Even if the title company cleanly transfers the title down at the county for you, depending on state law, the untitled spouse may still have a claim to it. So... what would be the point? If you ask the title company for advice, they may reference their lawyer an...
by CaliJim
Thu Dec 12, 2013 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transmutation agreement - Asset transfer
Replies: 4
Views: 276

Re: Term LifeRequest Too Much Info Through Agent ? (Midland

Bump. Are there any current or retired insurance agents here with helpful info?
by CaliJim
Thu Dec 12, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term LifeRequest Too Much Info Through Agent ? (Midland Nat
Replies: 3
Views: 352

Re: Quick Trigger -- Your Experiences?

Congrats on the new house. Don't worry. Everything. Will. Be. Fine. And if not, sounds like you've get a level head and will cope OK with whatever comes up. A lot of thinking is not done consciously. A lot of conscious thought is just rationalization of a decision that has already been made. Have yo...
by CaliJim
Thu Dec 12, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Quick Trigger -- Your Experiences?
Replies: 1
Views: 335

Re: Looking to add Real Estate...correlations???

IIRC, part of the story goes like this: REITS haven't been around that long, and global REITS even less so. The track record is too short to draw strong conclusions from past performance and past correlations The legal structure for REITS in other countries is different from the legal structure for ...
by CaliJim
Thu Dec 12, 2013 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to add Real Estate...correlations???
Replies: 1
Views: 197

Re: Family Business—What’s Fair?

Time to hire a lawyer. Draw up a partnership agreement.
by CaliJim
Thu Dec 12, 2013 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Business—What’s Fair?
Replies: 6
Views: 1073

Re: Bond hedging

My motivation is to help you with your investing. What you are talking about is speculation. This forum is dedicated to Investing advice inspired by Jack Bogle. Jack discourages speculation. I'm no expert on the carry trade and hedging - but I understand that their are plenty of sharks in this marke...
by CaliJim
Wed Nov 27, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond hedging
Replies: 4
Views: 431

Re: Calculator for evaluating early retirement of one spouse

What livesoft said - but it still doesn't seem to have an elegant way of dealing with the first earner working another x years, and and the second earner working another y years.

You might see what i-orp can do for you: http://www.i-orp.com/
by CaliJim
Sun Nov 24, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculator for evaluating early retirement of one spouse
Replies: 4
Views: 483

Re: Calculator for evaluating early retirement of one spouse

Hi,

The 'official' Firecalc support forum is here: http://www.early-retirement.org/forums/f36/

Also - see other Retirement Calculators listed here: http://www.bogleheads.org/wiki/Retireme ... d_spending
by CaliJim
Sun Nov 24, 2013 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculator for evaluating early retirement of one spouse
Replies: 4
Views: 483

Re: Bitcoins as investment

Dang. They said they were going to put my transaction through as 2000 random sub-10k transactions so that it wouldn't be tracked. :oops:
by CaliJim
Sun Nov 24, 2013 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoins as investment
Replies: 8
Views: 977

Re: Bond hedging

Hello all, I'm considering shifting investments to short term investment grade sovereign emerging market bonds (think Brazil, Russia, Turkey, South Africa, India, Indonesia). A couple of these countries currently have very high yielding 1 year bonds of over 9%. However, they are in local currency. ...
by CaliJim
Sun Nov 24, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond hedging
Replies: 4
Views: 431

Re: investing 101, need help

Hello, I'd like some advice on investing. What should my asset allocation be? (I'm using lowest cost index funds available in my 401k and ira) I'm 29, soon to be 30. Including my pension, 401k, and ira, I'm at 62% stocks (41% us), 38% fixed income. If I need more stocks, should I shift slowly (like...
by CaliJim
Sun Nov 24, 2013 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing 101, need help
Replies: 14
Views: 1095

Re: Need help - TDA with 7%=bonds? REITs?

barclay bond index = vanguard total bond market fund. there are others. basically - a well diversified, low expense rate, mostly government, bond fund, with investment grade or better credit risk, and 5 to 7 year average maturity.
by CaliJim
Sun Nov 24, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - TDA with 7% plus?
Replies: 12
Views: 1113

Re: Need help - TDA with 7%=bonds? REITs?

Bogleheads Posting Hi, and thanks for making a habit of helping people figure out these complex issues as simply as possible. I've read several books in the bogleheads tradition and originally got interested via Mr. Money Moustache, have read forums including this one, and didn't see answers that e...
by CaliJim
Thu Nov 21, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - TDA with 7% plus?
Replies: 12
Views: 1113

Re: Account allocation with tax efficiency in mind

The standard advice is here: http://www.bogleheads.org/wiki/Principl ... _placement

That said - some advisers do as you suggest: use the same AA in all accounts.
by CaliJim
Thu Nov 21, 2013 2:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Account allocation with tax efficiency in mind
Replies: 1
Views: 188

Re: Investing (not speculating) in Bitcoin

I would not go near BITCOINs wtih a 10 foot pole. 20 foot pole neither. To me, this has all the trappings of a FAD A mania. A delusion. Kind of like USDs... come to think of it.... all currency is a social construct. But this kind of currency, with no central banking attached to it and no sovereign ...
by CaliJim
Tue Nov 19, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 8665

Re: Beginning investment and first time home buying question

Hello, I've been reading the forum for a while now and I'm finally ready to ask my own questions. .... My questions are : Should we explore options for getting loans with less than 20% down payments so that we can extend the length of time we are in the house? We may be moving in 5 years and we und...
by CaliJim
Mon Nov 18, 2013 2:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginning investment and first time home buying questions.
Replies: 4
Views: 701

Re: Would like opinions on shifting bond assets to other fun

Hi, I don't like this real return funds of funds. A jumble of asset classes. Developing country real estate. No thanks. This is a PRODUCT they intend to SELL to you. It is not a Boglehead style investment. I like a good intermediate term bond index fund. Nothing wrong with that. Don't market time or...
by CaliJim
Mon Nov 18, 2013 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Would like opinions on shifting bond assets to other fund
Replies: 2
Views: 520

Re: Help calculate cost of renting out my primary residence

My $0.02

Sell it or rent it.

Don't let your assets sit idle, unless your idle asset is something you just enjoy looking at.
by CaliJim
Thu Nov 14, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help calculate cost of renting out my primary residence
Replies: 5
Views: 719

Re: Pop Up Full Page Ads On Launch

Nope.

I use firefox, with the NoScript and AdBlock Plus plug ins.
by CaliJim
Thu Nov 14, 2013 6:03 pm
 
Forum: Personal Consumer Issues
Topic: What the heck is "Ads by BetterSurf"??
Replies: 20
Views: 2851

Re: smooth top electric range

By smooth top do you mean you have an induction cook top? Induction cook tops require ferrous metal pans. Perhaps your pan does not have enough ferrous metal content. "Full stainless steel, aluminium, copper, terracotta or pyrex don't contain ferrous material, so theoretically they won't work. ...
by CaliJim
Thu Nov 14, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 2254

Re: Installing Video Surveillance

Here's my $0.02 Electricians and security system installation companies deal with this all the time. If it were my house I'd hire a pro to do the install. They have the right gear (fiberglass fish tapes, drills at the end of long flex shafts, etc) and know exactly what to do. I've seen contractors d...
by CaliJim
Mon Nov 11, 2013 12:55 am
 
Forum: Personal Consumer Issues
Topic: Installing Video Surveillance
Replies: 11
Views: 1374

Re: Stock + options situation

Welcome to the forum. Congratulations on your good fortune. For the vested un-exercised options...I doubt there is any way to avoid being forced into a [buy and hold] or [same day sale] situation where the gain will be taxed as regular income. "Consider your Options" is a good book, if you...
by CaliJim
Mon Nov 11, 2013 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Stock + options situation
Replies: 2
Views: 361

Re: Time to buy Bonds?

Thanks for all the input and links! I'm in the 25% tax bracket. I don't have access to the Total Bond Market in my 401k. I guess I will put it into my Roth IRA instead. @john94549: What is a AA? A Roth is a great place for a bond holding. Asset Allocation is a CORE investment technique. Learn it we...
by CaliJim
Sat Nov 09, 2013 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to buy Bonds?
Replies: 8
Views: 1992

Re: Time to buy Bonds?

I have a Roth IRA, 401k and a brokerage account I'm in my late twenties and want to save all I can for retirement before we have any kids. Right now I max out both my Roth IRA and my 401k and put additional money into the brokerage account. My Roth contains all stocks: Total US, Total International...
by CaliJim
Fri Nov 08, 2013 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to buy Bonds?
Replies: 8
Views: 1992

Re: Shiller Thinks Owning a Home is a Terrible Investment

The wife and I just sold our SF Bay Area home in June. I ran the ROI. Including basis, maintenance (plumbing,roof, paint,floor), property tax, transaction fees (commissions, etc), and sale price, the annual rate of return from 1998 thru 2013 was 4.5% per annum. This does not include the home mortgag...
by CaliJim
Mon Oct 21, 2013 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 20768

Re: Talk me down

To Ziggy's point - there are a handful of value investors (buffet, graham, [dang... can't remember the 3rd guy I wanted to mention...hedge fund guy whose book is out of print]) who have done quite quite well buying stock for 50 cents on the dollar. But it is very important to realize that these guys...
by CaliJim
Mon Oct 21, 2013 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: Talk me down

Well, you guys are convincing. The original October 12th, 2012 portfolio was based on buy "a dollar for 50 cents." I bought small caps only because research says that small cap value is a sweet spot but on average the 20 stocks had a P/B of something like 0.4 when I bought them: SUSP PRIS...
by CaliJim
Mon Oct 21, 2013 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: 15 million merits

Found it here
http://www.tvids.net/watch13/Black-Mirr ... ion-Merits

Watched it.

Enjoyed it.

Spoiler: Bing sold out.

Keep what works. Discard the rest.

Choose the middle path.
by CaliJim
Mon Oct 14, 2013 9:49 pm
 
Forum: Personal Consumer Issues
Topic: 15 million merits
Replies: 3
Views: 654

Re: Social security at 62 vs 70

What you are missing, which a surprising number of intelligent people miss, is that if you have decent retirement savings then SS is essentially longevity insurance. It protects the "floor" of your retirement portfolio, the worst case outcome. It does the best job of that at the lowest co...
by CaliJim
Mon Oct 14, 2013 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 22
Views: 1706

Re: Talk me down

Sorry but - got to call out the OP. Bragging about skills. No proof. Vegas doesn't accept bets on last years World Series.
Ziggy Stardust: Post your picks, or lurk and learn.
by CaliJim
Sat Oct 12, 2013 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: Talk me down

Please post the symbols....without posting them today and revisiting again in 12 months... there will be no "proof".

So... post or it didn't happen.

Thank you.
by CaliJim
Sat Oct 12, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: RETIREE POLL: How do you withdraw?

I take the same $ amount out each month.
by CaliJim
Fri Oct 11, 2013 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Poll: How do you withdraw?
Replies: 30
Views: 2956

Re: Talk me down

Summarizing all of the above, I think what people are trying to tell you is this: - you have run an experiement with small n and large standard deviation. - you have ended up as a winner but with the major caveats noted above. - you didn't use real money; somehow that changes things. - your strateg...
by CaliJim
Fri Oct 11, 2013 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: Talk me down

Picking stocks is what active fund managers do. Research, time and time again, shows that active fund managers under-perform their index 2/3's of the time. Which managers under-perform and which managers out-perform cannot be predicted based on past performance. Bill Miller's track record is informa...
by CaliJim
Fri Oct 11, 2013 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5543

Re: Best age to purchase SPIAs ?

OK. I'm very interested in this topic. But I don't get this paper. The presentation of the material in this paper is complex. When 3 PHDs get together and talk, they sometimes start using words in a way that is difficult for me to understand. Can someone explain it to me like I'm a 5 year old? And h...
by CaliJim
Fri Oct 11, 2013 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Best age to purchase SPIAs ?
Replies: 32
Views: 2061

Halloween Is Coming

What's the best candy for a boglehead to give?

What's the best zombie movie?

Which Friday the 13th is the best?
by CaliJim
Thu Oct 10, 2013 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Halloween Is Coming
Replies: 21
Views: 1192

Re: Loan Help for a newbie

Welcome to the forum. If the title is in your name, then, generally, you can borrow up to 80% of the value of the home. The smaller the loan to value ratio, the lower your interest rate. Some lenders may loan you up to 90% of the home's value, but you will pay more for higher level of risk that the ...
by CaliJim
Thu Oct 10, 2013 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loan Help for a newbie
Replies: 13
Views: 564
Next

Return to advanced search