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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
Mon Aug 04, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2162

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
Mon Aug 04, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1584

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 11:50 pm
 
Forum: Personal Consumer Issues
Topic: To Buy or Not after Paid off Car & House
Replies: 7
Views: 992

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 11:44 pm
 
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1236

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 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Incentive Stock Options (ISOs) and the AMT
Replies: 7
Views: 528

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
Fri Jun 06, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2194

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: 748

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: 748

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: 748

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: 748

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: 362

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: 888

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: 3640

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: 406

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: 495

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: 287

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: 310

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: 279

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: 287

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: 356

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: 339

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: 198

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: 1087

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: 451

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: 488

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: 488

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: 996

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: 451

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: 1134

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: 1452

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: 1452

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: 194

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: 10575

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: 718

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: 522

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: 729

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: 3392

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: 2389

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: 1505

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: 368

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: 2025

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: 2025

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: 21521

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: 5808

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: 5808

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: 659

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: 76
Views: 5815

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: 5808

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: 5808
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