Search found 2475 matches

by CaliJim
Fri Mar 24, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Searching for cash flow investment.
Replies: 21
Views: 1047

Re: Searching for cash flow investment.

I don't think I'd be interested in buying property in Texas.

:twisted:
by CaliJim
Sun Mar 19, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 2234

Re: What is ideal master bedroom size?

Depends on layout. Google will give you lots of interesting layouts to ponder. https://www.google.com/search?q=master+bedroom+layout&source=lnms&tbm=isch&sa=X&ved=0ahUKEwi1ju2SvuPSAhXBo5QKHfOpDhgQ_AUICCgB&biw=1360&bih=864 The big home builders have been refining their layouts...
by CaliJim
Sat Mar 18, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post
Replies: 20
Views: 1724

Re: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post

Glad you are looking into lawyering up and not letting them off the hook. Let us know how it turns out.
by CaliJim
Fri Mar 17, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Buying a Storage Unit with Condo...?
Replies: 23
Views: 1498

Re: Buying a Storage Unit with Condo...?

How will you store this stuff if you don't buy the storage space? Does it have a seperate title? Can you sell the storage unit back to the association or another individual if you decide you don't need it? Can you rent it out and if so, what would the ROI be if you bought it and rented it to neighbo...
by CaliJim
Fri Mar 17, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post
Replies: 20
Views: 1724

Re: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post

A good waterproof membrane on the roof is very very important. Roofs and windows are usually the first thing to fail in the structure of a house. Think of all the pictures of very old buildings with intact walls but no roof. And the failures can start with a small leak. Since you started reporting t...
by CaliJim
Fri Mar 17, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post
Replies: 20
Views: 1724

Re: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post

It doesn't really cost that much to have a lawyer write a letter to Pulte. A letter from a lawyer is not as expensive as a full blown law suit, and sometime a letter from a lawyer is all you need to get satisfaction from a builder.
by CaliJim
Fri Mar 17, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4705

Re: Issue With Contractor. What to do?

To the OP, I'd also appreciate an update:) OP here for updates: He did not pull any permits. He also did not show up yesterday like he was supposed to at 4:00 and has not returned multiple calls or texts since yesterday. I called the city code enforcement department and they confirmed it was a code...
by CaliJim
Thu Mar 16, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4705

Re: Issue With Contractor. What to do?

Removing walls is no joke. It is possible to do serious damage to the structural integrity of the house if a bearing wall is removed. Do you know how to tell if the wall that was removed was a bearing wall? Do you know about calculating allowable beams sizes, joist spans, live loads, dead loads, she...
by CaliJim
Thu Mar 16, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5161

Re: Suspicious organic products

in theory, the organic label is about healthy sustainable agriculture. in practice it is about marketing. local? every farm is local somewhere. buy local to reduce fossil fuel based transportation. buying local is not about organic vs conventional use of fertilizers and pesticides. chemicals? all ch...
by CaliJim
Wed Mar 08, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: standing water around house
Replies: 24
Views: 1938

Re: standing water around house

Capture it. Filter it. Bottle it. Sell it. :twisted:
:sharebeer
by CaliJim
Wed Mar 08, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: 27 yrs old. Reading Bogleheads guide to investing. Still need help.
Replies: 24
Views: 1887

Re: 27 yrs old. Reading Bogleheads guide to investing. Still need help.

Look into the 457b plans first. You want to take advantage of any matching contributions there may be.
Then look into a Roth. I have my accounts at Schwab. Works out well.
by CaliJim
Tue Mar 07, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Gift to Child for Roth IRA
Replies: 13
Views: 759

Re: Gift to Child for Roth IRA

Thanks. (The sibling is off on his own and unfortunately is incommunicado w/ M and D.) Next question: what tax form, if any, is this reported on. I'm looking at Form 8606... but I don't see that this applies to Roth IRAs. -------------- ah...never mind.... googled it. no IRS filing needed, just pers...
by CaliJim
Mon Mar 06, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Gift to Child for Roth IRA
Replies: 13
Views: 759

Gift to Child for Roth IRA

Our DD, living at home, fresh out of college, has a 2016 AGI of $8k doing hourly work, and has hardly a penny in her name. (Yay - at least she is working, a little!) Does it make sense to gift her $5.5k, out of our copious taxable investments, and open a Roth IRA in her name, and deduct same from he...
by CaliJim
Mon Mar 06, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: 27 yrs old. Reading Bogleheads guide to investing. Still need help.
Replies: 24
Views: 1887

Re: 27 yrs old. Reading Bogleheads guide to investing. Still need help.

Do either of your employers sponsor 401k or IRA plans? You will want to participate in those plans if they do. Going forward - also be aware that there are limits to how much you can contribute to traditional and roth IRAs, depending on stuff: https://www.irs.gov/retirement-plans/retirement-plans-fa...
by CaliJim
Mon Mar 06, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4078

Re: Dispute with neighborhood association

Dispute the late fee, but include what you owe, minus the late fee, in the registered mail letter. Door knocking is good too. Having a personal relationship on a friendly basis w/ the board treasurer, so they know you are not a deadbeat but a supportive member of the community, will go a long ways t...
by CaliJim
Sun Mar 05, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Retirement Asset Allocation Across Multiple Accounts
Replies: 40
Views: 2740

Re: Advice on Retirement Asset Allocation Across Multiple Accounts

Side note - IMHO: 80/20 is much better psychologically and behaviorally than 90/10. If you believe Markowitz and Modern Portfolio Theory, increasing bonds from 10% to 20% will significantly reduce your risk, while only marginally reducing your expected returns. Thanks for that info calijim! Is ther...
by CaliJim
Fri Mar 03, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Million Dollar House with Uncertain Future Income??
Replies: 23
Views: 1867

Re: Million Dollar House with Uncertain Future Income??

OK. So. Assuming you can reliably bring in $80k - $85k (I would think more, since you are a great fit for a sales executive job: entrepreneur, knows how to get things done, understands how to make money selling stuff), and you want to put no more than 25% of your income into mortgage payments you ge...
by CaliJim
Fri Mar 03, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Retirement Asset Allocation Across Multiple Accounts
Replies: 40
Views: 2740

Re: Advice on Retirement Asset Allocation Across Multiple Accounts

Side note - IMHO: 80/20 is much better psychologically and behaviorally than 90/10. If you believe Markowitz and Modern Portfolio Theory, increasing bonds from 10% to 20% will significantly reduce your risk, while only marginally reducing your expected returns.
by CaliJim
Fri Mar 03, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Single-Payment Annuities
Replies: 11
Views: 884

Re: Single-Payment Annuities

I think an SPIA makes sense as longevity insurance....when you are very likely to live longer than the average person... and your needed withdrawal rate is high (4% + % ?) A 5 year period certain annuity (one that only pays for 5 years) doesn't make too much sense if you expect to live a lot longer ...
by CaliJim
Fri Mar 03, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 3000

Re: BND flat today despite interest rate announcement

No. It means that the FOMC meeting hasn't happened yet. So bond prices won't actually drop until the rate increase happens, even if that outcome is all but certain? Thanks & sorry if if this is a dumb question. Not quite. The prices fluctuate all the time. They may fluctuate more when reality d...
by CaliJim
Fri Mar 03, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 3000

Re: BND flat today despite interest rate announcement

Looking at the BND chart, you can see that the big move in BND's price started in early November 2016. I'm not a fed watcher.... but this is when there were hints from the FOMC of the FED that, while they would hold interests rates steady at the moment, rates hikes were likely if the labor market an...
by CaliJim
Thu Mar 02, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 783

Re: Work injury and disability

.. How did you do that math? What growth rate are you assuming for VHDYX? I did a quick model, assuming 1% inflation, 2.85% yield on VHDYX, $2k/mo initial withdrawal adjusted up for inflation annually. The VHDYX plan, by my calcs, runs out of money in year 21. ... Vanguard performance chart shows V...
by CaliJim
Thu Mar 02, 2017 1:53 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7146

Re: Used German Luxury vs New Japanese

To give you an idea about maintenance, a simple thing, like replacing O2 sensors is 3x for the BMW vs Honda. Bosh 740I O2 sensor: $100 each for the parts, need 4, and $200 minimum for labor = $600. Honda Accord O2 sensor: $20 each for parts, need 2, and $100 maybe for the labor = less than $200. I l...
by CaliJim
Thu Mar 02, 2017 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 783

Re: Work injury and disability

OP I suspect you are seriously in Otars GRAY zone with regard to retirement. You are only 57 and have potentially 35 years ahead of you. And it sucks to be out of money before you run out of time. The disability income is a good floor, but depending on your cost of living, an unexpected health or ot...
by CaliJim
Thu Mar 02, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 783

Re: Work injury and disability

... An SPIA could bring you in an extra $1000+ a month for life. With $400k in your pocket, you could buy into VHDYX, take out $2k per month indefinitely, and still have enough to fund a nice vacation a couple of times a year. How did you do that math? What growth rate are you assuming for VHDYX? I...
by CaliJim
Wed Mar 01, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15475

Re: Possibly Financially Independent and Feeling Miserable

oh...one more thig.... exercise more too. it is better than prozac
by CaliJim
Wed Mar 01, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15475

Re: Possibly Financially Independent and Feeling Miserable

IMHO: keep working a few more years, but decrease your savings rate and spend a bit more on yourselves. take some trips. adopt a hobby (golf?) that you always thought was too expensive. buy some new furniture. remodel the kitchen. in other words...relax a little bit, and from now on, work and enjoy ...
by CaliJim
Wed Mar 01, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 783

Re: Work injury and disability

More info is needed, but I suspect you may be at risk of outliving your savings. For situations such as this, a single premium immediate annuity (longevity insurance) is a good option. You can read more about them here using the search function ("SPIA"). Also, Jim Otars web site: http://re...
by CaliJim
Mon Feb 27, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: standing water around house
Replies: 24
Views: 1938

Re: standing water around house

Is there a drainage ditch at the street, storm drains, swale or creek nearby to which you can direct the water? If slope away from home is an issue, direct french drains around foundation perimeter to a collection sump basin. Install float activated slump pump to eject water to appropriate street dr...
by CaliJim
Mon Feb 27, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3042

Re: Outdoor grill: gas or electric?

Gas provides a good backup if power is out during hurricane other seasons. I came here to say this. LS beat me to it. Having a gas grill for those hungry times during a power outage when you need to cook up everything that is spoiling in the fridge is a really good idea. (and charcoal... sure. But ...
by CaliJim
Sat Feb 25, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 50
Views: 3167

Re: Please vote on the wisest decision

#1 and #3 SP500 in the 401k Vanguard Total Bond Market in the IRA Get yourself at least to 80/20, if not 75/25. Many wise men have said to always have at least 25% in bonds. It makes rebalancing after a big correction meaningful. Also.... it saves the bacon if it crashes and stays crashed and you lo...
by CaliJim
Sat Feb 25, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do with gains since November election?
Replies: 7
Views: 1245

Re: What to do with gains since November election?

Yes.... as Livesoft points out, asset allocation is the key. The reason it is the key is that it tells you about your stock to bond ratio. The higher your stock to bond ration, the higher your risk. You can't lock things in, but you CAN adjust how much risk you are taking. Reducing risk is kind of l...
by CaliJim
Fri Feb 24, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 50
Views: 3167

Re: Please vote on the wisest decision

Really - no bond index fund in the 401k?

You getting any sort of a matching contribution from your employer for the 401k? You want to capture as much of that as you can
by CaliJim
Sat Feb 18, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Moving with expensive electronic equipment.
Replies: 15
Views: 1252

Re: Moving with expensive electronic equipment.

randomguy wrote:Hire professionals to pack them and pay for insurance

+1
Most moving companies will do small moves with pack, pickup and delivery on dates specified by you.
Google "moving company small load"
by CaliJim
Sat Feb 18, 2017 11:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3379

THANK YOU TO THE BH FOUNDERS!!!!

Gratitude to the Unknown Instructors
What they undertook to do
They brought to pass;
All things hang like a drop of dew
Upon a blade of grass.

William Butler Yeats
by CaliJim
Sat Feb 18, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: Is a 4% plus CPI withdrawal rate actually aggressive?
Replies: 232
Views: 10541

Re: Is a 4% plus CPI withdrawal rate actually aggressive?

I think that Wade Pfau's paper on the various international SWR's should come into play. I agree. Wade has done excellent work in this area. White paper: http://www.fa-mag.com/userfiles/stories/whitepapers/2015/WealthVest_Sept_2015_Whitepaper/12040-Pfau-Sustainable-Withdrawal-Rates-Whitepaper-.pdf ...
by CaliJim
Sat Feb 18, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 3412

Re: Wifi Router Advice

As a retired network manager, I can say that cheap routers work fine for most small residential situations. But the above poster is right, I would not use a low end router in a house larger than 5k sf. And... avoid connecting WIFI routers wireless. You can lose up to 20% of your bandwidth to mesh ov...
by CaliJim
Sat Feb 18, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7139

Re: What Do You Keep In Your Bank Safe Deposit Box?

Vacheron Constantine
Lange Zeitwerk
Audemars Piguet
by CaliJim
Sat Feb 18, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 3412

Re: Wifi Router Advice

Use the free cable modem from your provider, then buy an Apple Airport Extreme ($$$) or a TP Link TL WR841N ($) wifi router to put behind it. https://www.amazon.com/TP-Link-Wireless-Router-300Mbps-TL-WR841N/dp/B001FWYGJS $25 The WR841N does all the WIFI things very well and is nothing fancy. It incl...
by CaliJim
Thu Feb 16, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: Need helps with itinerary in Mexico for 15 days
Replies: 5
Views: 517

Re: Need helps with itinerary in Mexico for 15 days

Alphonso and his staff at Ecoturismo Yucatan can set you up. http://www.ecoyuc.com/ He gave our family a private tour of the Yucatan peninsula many years ago. We saw: Tolum, Chichen Itza, Ek Balam, Cenotes off the beaten path and stayed at eclectic, safe, clean hotels and haciendas that we never wou...
by CaliJim
Wed Feb 15, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Anthem Blue Cross - PPO network vs Pathway EPO network
Replies: 12
Views: 806

Re: Anthem Blue Cross - PPO network vs Pathway EPO network

Your PPO was grandfathered/ discontinued for a reason - it's a better choice / value than the current offerings. I would try hard to keep it, even if it is more expensive. Think of all the hours you'll save arguing about out of network billing errors... Thanks all. I decided to terminate the covere...
by CaliJim
Wed Feb 15, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2220

Re: Retaining Wall

So.... no soils report, no engineered plans, just contractor good will - and that ain't working out too well is it. Again: suggest you consult an engineer https://en.wikipedia.org/wiki/Geotechnical_engineering A good geotech could give you a DIY design using blocks or bags, drain rock, etc, or a des...
by CaliJim
Tue Feb 14, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2459

Re: Need quick advice: Pay full year's rent or large security deposit?

Fairly certain in NYC it is illegal for a security deposit to be used for rent. Security deposits are to be kept in separate accounts and only used for damages should they occur. Rent is rent, security deposits are security deposits That is my opinion as well. Would it be illegal to reduce the secu...
by CaliJim
Tue Feb 14, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2459

Re: Need quick advice: Pay full year's rent or large security deposit?

My vote: B - with compromise. I would choose option B if landlord agrees that security deposit will be applied to rent starting in month 8 such that at maturity there will only one month security remaining available to be applied to damages. This seems like a worthwhile compromise. ---- But on the o...
by CaliJim
Tue Feb 14, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: 24 with a $300,000 trust. Need Advice
Replies: 13
Views: 1154

Re: 24 with a $300,000 trust. Need Advice

Do you have a copy of the trust document? If not, get one. You are entitled to it, and should insist. If PNC is the trustee, talk to their trust department. Then read through the trust to see what rights you have to appoint or change trustees. Also read what the trust directs the trustees to do. Ma...
by CaliJim
Tue Feb 14, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10747

Re: Who would quit playing if they already won?

"The game never stops, +1 Even at 0/100 your still playing the bond game. In your position I would cut back from 60/40 to 40/60... perhaps partially by donating some of the assets with the highest unrealized gains to charities before you pass - so you can enjoy some of those annual donor appre...
by CaliJim
Tue Feb 14, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2220

Re: Retaining Wall

I'm no lawyer or contractor or engineer - so add salt: I overheard a planning department employee over at the county offices tell another home owner that retaining walls over 4' need to be engineered - ie. plans with an engineers stamp on it. Soil conditions have a big impact on retaining wall desig...
by CaliJim
Tue Feb 14, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Anthem Blue Cross - PPO network vs Pathway EPO network
Replies: 12
Views: 806

Re: Anthem Blue Cross - PPO network vs Pathway EPO network

One thing I did note was that many doctors do not accept the Covered CA Bronze plan. If you use the Covered CA Bronze plan, it is as if you are a "lower class" patient and you don't have access to all the doctors. I have heard something like this before. Has anyone else had similar experi...
by CaliJim
Tue Feb 14, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Anthem Blue Cross - PPO network vs Pathway EPO network
Replies: 12
Views: 806

Re: Anthem Blue Cross - PPO network vs Pathway EPO network

Thanks for your comments so far. Unfortunately, Kaiser does not serve my area. :( I found the online Anthem Provider Directory very hard to use. I called the billing department of my local clinic and I'm waiting to hear back from them. I may see if I can cancel my CoveredCA plan and stay with the gr...

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