Search found 2543 matches

by CaliJim
Tue Sep 19, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 64
Views: 4550

Re: Getting over emotional attachment to house

Curmudgeon makes some good points. Also... note to lurkers on this thread.... This is a good lesson to learn if you own an expensive home, and you think you may need to sell your home to help fund your retirement - it is a good idea to monitor the unrealized gain you have in the home, and consider s...
by CaliJim
Tue Sep 19, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 64
Views: 4550

Re: Getting over emotional attachment to house

However, we have a good chunk of equity in the house, and I figure it should be able to conservatively generate another $100,000 a year in income I was thinking further about your post, the above statement in particular. Isn't the idea of downsizing in order to generate more income a bit of 'mental...
by CaliJim
Sun Sep 17, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 64
Views: 4550

Re: Getting over emotional attachment to house

What about renting out your current house? Hire a property manager so you don't have to deal with any of the details. Live in the desert for a few years. If you decide you like it, you can sell the old house and be done with it. If you miss the old place too much, you can go back. +1 We downsized a...
by CaliJim
Sun Sep 17, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10575

Re: Anyone else freeze their credit score?

joe8d wrote:
Sat Sep 09, 2017 10:43 pm
Don't have a Credit Card.
Doesn't matter. You should still do it.
The point is to reduce risk of identity theft, and reduce risk of someone else from getting a card (or loan) issued in your name
by CaliJim
Sat Sep 09, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

An aside...thinking out loud: An enhancement to any of these security systems would be a "duress code" that can be used to indicate that the account owner is under immediate threat (ie. "they are holding a gun to my head and forcing me to log in") My home security monitoring system has this type of ...
by CaliJim
Sat Sep 09, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

...however, my password is in my head. they need both. The issue is when someone pretends to be you and claims that "you" forgot your password...if you think about it, they don't need to know your password. yes... a stolen token raises the issue of 'how secure is the password reset process". I real...
by CaliJim
Sat Sep 09, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10575

Re: Anyone else freeze their credit score?

Yes. I've frozen everything, and use two-factor auth for everything. [I don't use much credit and don't consume enough to make 5 figures in CC rewards. (And I detest the idea of rewards cards in general... this type of mkt program just raises the overall CC processing expenses and price levels in ge...
by CaliJim
Sat Sep 09, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

I had a RSA token back when for work. I was always leaving it in the office. So when I needed to do a transaction or set up a secure link remotely I did not have the token. And then there was the difficulty of setting up a link. It did not work very easy. It was generally a PIA. So I am wondering h...
by CaliJim
Sat Sep 09, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

I have two factor (as I understand it) set up for the sites that offer it. I always select send the code by email vs. phone when that option is available, since I don't like the phone ringing at night. Is there a security problem with using email this way? I always wonder... I guess the question is...
by CaliJim
Sat Sep 09, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

Nate79 wrote:
Sat Sep 09, 2017 9:05 am
Phones accounts can be hacked and numbers taken. 2 factor is far from bullet proof.
Are you thinking 'man-in-the-middle', ala imsi-cather/stingray? or something else?
by CaliJim
Fri Sep 08, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Re: Two Factor Authentication and One Time Passwords

See also:

https://www.turnon2fa.com/

It offers:

"Step-by-step instructions on enabling the free security feature that prevents hackers from accessing your accounts, even if they know your password."

(Seems like a good site, but I cannot vouch for the legitimacy.... I just stumbled on it.)
by CaliJim
Fri Sep 08, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1786

Two Factor Authentication and One Time Passwords

In light of the Equifax debacle - it is a good idea to make sure you are using the strongest methods available to secure online and telephone access to your bank, investing accounts and email. This generally means two factor authentication (token+password, sms pin+password,fingerprint+password, etc)...
by CaliJim
Fri Sep 08, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5340

Re: Purchasing Home With Girlfriend; Good or Bad?

Buying a home together when married can be tricky enough, divorce rates being what they are. So...no... don't do it, until, if and when, you tie the knot. The next question becomes: If she moves into my condo with me, should I charge her rent? IMO, yes, absolutely. After all, you wouldn't want her t...
by CaliJim
Wed Sep 06, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2685

Re: Ideas to use a large flat space in yard

Of you could build a nice quiet green space to sit..... Song of the Grass-Roof Hermitage By Shitou Xiqian (700-790) "I've built a grass hut where there's nothing of value. After eating, I relax and enjoy a nap. When it was completed, fresh weeds appeared. Now it's been lived in - covered by weeds. T...
by CaliJim
Wed Sep 06, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 257
Views: 21047

Re: Name something you had to have and now you regret purchasing it?

Regret owning so much furniture. Yes. Very much this. We HAD too much furniture, and some 'designer' furniture at that. Most furniture loses 50 to 75% of it's value as soon as it is delivered. So don't make that mistake! When we last downsized and moved.... I counted.... we had seating for 35, not ...
by CaliJim
Wed Sep 06, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying 4 years tuition for college to get discount?
Replies: 22
Views: 2337

Re: Paying 4 years tuition for college to get discount?

Understand how dropping out, being kicked out, suspensions, fines, semester abroad, taking a quarter off, finishing early, lab fees, meals, etc would be handled.
by CaliJim
Wed Sep 06, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 42
Views: 2364

Re: Places to see in Chicago

bcc1234 wrote:
Wed Sep 06, 2017 7:04 pm
There's also a great Chicago River boat tour. If the weather is good, it's a great half day excursion.
This. There is a lot of great architecture as another said. Go on a boat tour that has a good architecture docent.
by CaliJim
Wed Sep 06, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employment Advice
Replies: 5
Views: 789

Re: Employment Advice

I don't know you... so this may or may not be valuable feedback. It is a shot in the dark.... if it is not helpful... move on. So... here it is: It is hard to see yourself as others see you. Perhaps others don't feel your are management material, yet? I know some younger 20-somethings in my immediat...
by CaliJim
Wed Sep 06, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2685

Re: Ideas to use a large flat space in yard

Shade structure and patio area that doubles as an outdoor gym including: Pull up bar, rings (for practicing muscle ups), dip station, bench
Planters around the perimeter.
Fountain/water feature for some soothing vibes.

Weight loss, health, equanimity, and longevity... here we come!
by CaliJim
Mon Sep 04, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 862789

Re: What Movie Have You Recently Watched?

Wind River. A very well-made, gripping ...cinematography is exceptional, ...Jeremy Renner delivers a superbly restrained performance. Agreed. Just saw it last night. A modern western with an important consciousness raising message. Worth seeing on the big screen. Well cast too: Gil Birmingham, Grah...
by CaliJim
Mon Sep 04, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 44669

Re: What is your favorite consumer product?

Pilgrim4570 wrote:
Wed Mar 22, 2017 3:10 pm
Trucks by size Tacoma, Ford F150, Chevy, Freightliner
Wild Turkey
Couple of comments:

Add "Tonka" to the truck list by size 8-)

"Wild Turkey"... haven't had that in years.... will try again soon.
by CaliJim
Fri Sep 01, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 45
Views: 2995

Re: Are Roomba's effective?

One important thing....check for pet droppings before letting the robot run. It will smear liquids and wet semi-solids around and make a TERRIBLE MESS. :x
by CaliJim
Thu Aug 31, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9115

Re: Companies/Brands You Love?

in addition to many already mentioned:

exercise:
roguefitness.com
concept2.com
ironminds.com

appliances:
miele
bosch

outdoor:
gossamer gear
therm-a-rest

other:
laphroaig
by CaliJim
Thu Aug 31, 2017 11:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15861

Re: [Are the Bogleheads] getting less interesting?

Then again...thinking about how simple in theory the boglehead approach is, and how once you 'get it', the rest is window dressing.... I am reminded of this man...Charles Holland Duell, who is reported to have said in 1901: "Everything that can be invented has been invented" https://upload.wikimedia...
by CaliJim
Thu Aug 31, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 45
Views: 2995

Re: Are Roomba's effective?

We have a Neato and like it. We have a cat... and the amount of cat hair it picks up is alarming! Roomba is a brand with many different models. Neato is another brand with different models. Roombas move in a more random pattern. Neatos map one area at a time, and move methodically to cover the space...
by CaliJim
Thu Aug 31, 2017 2:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15861

Re: Is Bogelheads getting less interesting?

Personally, I never was interesting.

Luckily though, my wife sometimes finds me useful to have around the house.
by CaliJim
Mon Aug 28, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Birding trip to Mexico
Replies: 1
Views: 320

Re: Birding trip to Mexico

Alphonso, owner of Ecoturismo Youcatan, based in Merida, is a renowned birder, respected amateur archeologist, a lovely man of Mayan origin who speaks many languages; and his wife Roberta is a wonderful Chicagoan. We had a great tour with him (mostly Mayan ruins.. a little bit of birding) many years...
by CaliJim
Thu Aug 17, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2776

Regardless of what you do, get the material tested. You need to know what your dealing with.

Test it, hire a professional to remove it and contain all dust particles from your house. Another vote for testing and safe professional removal. And doing it on move-out or move in. If trying to sell - let realtors/buyers know that you will have popcorn removed for the seller after move-out (or of...
by CaliJim
Tue Aug 08, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 883

Re: Advice on trip from SLC > Moab > DEN

We had a FANTASTIC hummer tour of the red rock area using "Moab Adventure Center". They offer a variety of tours and I thought our guide was TERRIFIC. Look them up!
by CaliJim
Tue Aug 08, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Climate Controlled Storage Units
Replies: 8
Views: 730

Re: Climate Controlled Storage Units

Yes to climate controlled. Story: After 3 years in a climate controlled facility, I lost a wool carpet (unwrapped) to beetles and a paper lithograph to mold (leaning on an outside wall.) Recommendations: Seal natural fiber materials (paper, cotton, wool) in plastic bags/wrap. Put down glue traps and...
by CaliJim
Tue Aug 08, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2616

Re: Selling company stock (90% of portfolio)

Welcome to the Boglehead way. Congratulations on your great good fortune. If it were me.... I'd "minimize regret"...(an academically 'proven' strategy for maximizing happiness.) If you sell all.. and it goes up 10x, you will regret it for the rest of your life. If you don't sell most... then you wil...
by CaliJim
Sat Jul 29, 2017 1:29 am
Forum: Investing - Help with Personal Investments
Topic: need your thoughts [portfolio review]
Replies: 17
Views: 1512

Re: need your thoughts

how do we position ourselves to minimize a market correction similar to 2008/2009 You haven't given us the full picture.... but what you have included looks pretty good. You don't mention savings outside your 401s and IRAs. Many find they haven't saved enough in their 401s and need to have some tax...
by CaliJim
Fri Jul 28, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: need your thoughts [portfolio review]
Replies: 17
Views: 1512

Re: need your thoughts

how do we position ourselves to minimize a market correction similar to 2008/2009 You haven't given us the full picture.... but what you have included looks pretty good. You don't mention savings outside your 401s and IRAs. Many find they haven't saved enough in their 401s and need to have some tax...
by CaliJim
Fri Jul 28, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Awarded stock; sell and diversify?
Replies: 27
Views: 1113

Re: Awarded stock; sell and diversify?

You should have no more than 5% or 10% of your retirement investments exposed to non-systemic risk.
by CaliJim
Fri Jul 28, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Is this advice as reprehensible as I think it is?
Replies: 32
Views: 5306

Re: Is this advice as reprehensible as I think it is?

Using leverage in investing acts as an the amplifier on returns.

Good returns get better, and bad returns get worse.
by CaliJim
Thu Jul 27, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old employer sponsored 401k?
Replies: 9
Views: 912

Re: What to do with old employer sponsored 401k?

welcome to the bh forum. most 401ks have sub-par fund options....the employer match is great, but once you leave one compay and join another....roll the old 401k into an ira account where you can get access to better low cost index funds. so...roll it over to a self directed traditional IRA at the l...
by CaliJim
Thu Jul 27, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9060

Re: Should I Quit my 6-figure job?

Many if not most men, before you, have endured harsh, dangerous, or soul sucking work in order to support a wife and family. Be realistic. Be cautious too. 50% of marriages end in divorce. I hope yours is not one of them. Your wife needs to know she can reliably count on you to bring home the bacon ...
by CaliJim
Thu Jul 27, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Elevator Operators & cybercurrencies
Replies: 3
Views: 608

Re: Elevator Operators & cybercurrencies

Thanks VT. The excitement over bitcoins is a bit like the tulip mania, isn't it. Only it has a dark underbelly. Holding a thing (commodities, currency, cybercurrency, precious metal, pork bellies, ...), in the hope of profiting from it's appreciating in value, is the definition speculation. Holding ...
by CaliJim
Tue Jul 25, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: New, just exercised some options and seeking cash investing advice
Replies: 2
Views: 278

Re: New, just exercised some options and seeking cash investing advice

Welcome to the forum. A good strategy for steady returns is a lower risk profile.... more bonds, less stock. The opposite will likely yield higher returns... but also less "steady". So start to think about what top level asset allocation makes sense for you. Many think that "age in bonds" is a good ...
by CaliJim
Mon Jul 24, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3384

Re: Home Security System with/without monitoring

I use a Vista panel and installed an EyezOn InvisaLink communicator. You can self-monitor or pay a service. I have the same. Self installed. I'm happy with it. Tried and true old school technology. It is a system that can easily be upgraded with central station monitoring via internet, cell, landli...
by CaliJim
Mon Jul 24, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Best Way to Sharpen Tools
Replies: 11
Views: 1162

Re: Best Way to Sharpen Tools

+1 on the Work Sharp I've used it on kitchen knives, pocket knives, garden shears, shovels, scissors, axes, flat head screw drivers, putty knives, chisels.... Very versatile. It won't put the super fine edge on a wood carving tool or scalpel like a good Arkansas stone, but you can reshape a knife bl...
by CaliJim
Sat Jul 15, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6775

Re: Is now time to move into international stocks?

I target a market weighted stock portfolio and don't time the market based on PE's. As a result, I don't worry about tracking error. This article mentions Domestic @ 54%. https://www.economist.com/news/finance-and-economics/21720134-japan-dominated-index-late-1980s-didnt-end-well-americas (We should...
by CaliJim
Sat Jul 15, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1638

WRT cables....

I pulled 2 conductor cable to magnetic sensors, and 4 conductor to motions and fire alarms. I wish I had pulled 4 conductor cable to magnetic sensors, and 6 wire to or cat6 to motions and fire alarms... Sometimes a cable will get nicked later by a drywall screw or random nail. Having some extra cond...
by CaliJim
Fri Jul 14, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1638

Re: Security Alarm Pre-Wire in New Construction

The prices the builder quoted you are reasonable. What is hard is getting sensors installed discretely, and the best time to do this is during construction with wired sensors. Wireless window and door sensors are visible. Wired window and door sensors are harder to spot. I installed my own system wh...
by CaliJim
Fri Jul 07, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with potential new job situation
Replies: 13
Views: 1022

Re: Help me with potential new job situation

agree with above!

Be excited about each and every company you meet. Be like: "You really want to work there".

And if you get into the position of having accepted multiple offers.... you won't be the first to call and say you've changed your mind, or renegotiate the offer, etc!)
by CaliJim
Thu Jul 06, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Married 10.98 Million Inheritance Tax Exclusion
Replies: 11
Views: 2125

Re: Married 10.98 Million Inheritance Tax Exclusion

Generation Skipping Transfer Tax plays into this type of planning as well. GSTT is not portable to the surviving spouse. A bypass trust can help avoid taxes if a child, with issue, predeceases a parent.