Search found 2441 matches

by CaliJim
Sat Feb 18, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Moving with expensive electronic equipment.
Replies: 15
Views: 1174

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: 59
Views: 2355

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: 184
Views: 7727

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: 34
Views: 2589

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: Investing - Help with Personal Investments
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 3684

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: 34
Views: 2589

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: 472

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: 693

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: 2104

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: 2305

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: 2305

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: 1078

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: 10215

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: 2104

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: 693

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: 693

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...
by CaliJim
Mon Feb 13, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Anthem Blue Cross - PPO network vs Pathway EPO network
Replies: 12
Views: 693

Anthem Blue Cross - PPO network vs Pathway EPO network

Hi, Anyone have any experience with difficulties associated with the Anthem Pathway EPO provider network? I have a grandfathered Anthem PPO individual insurance plan. All our favorite doctors and clinics (PAMF/Sutter, Montage Medical) are in the PPO network. Yay. But since the plan is so dang $$$$, ...
by CaliJim
Mon Feb 13, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

I understand their gimmicks..... I just was looking for BH feedback on the topic to see if real estate mindset is the same "stay the course" method as stocks. I did find it funny when several realtor's mentioned a "crash" after I told them I already owned a home. Home Ownership ...
by CaliJim
Mon Feb 13, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

Example of 1. Take with salt: We have good family friends, now with one adult kid and one about to enter college. They kept their kids in private schools from K - College They sold the one house they owned to live in rented houses in 'better' neighborhoods, all so their kids would have a 'better lif...
by CaliJim
Mon Feb 13, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

I'm 32 years old. Have about $8k in roth ira and another $7k in 457k. Pension that will pay about 75% of my top salary. About $30k savings in CIT high interest savings at 1.05%, one 5 year old kid, plan on getting married next year. No debt outside the $250k for my mortgage (3.5% fixed, 30 yr). My ...
by CaliJim
Mon Feb 13, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

Your best course of action is likely to stay right where you are. For how long? Again: don't time the market. Make the move when you can afford to move up, or buy a second property. Do it when you have a nice chunk of cash reserves, when you can afford the risk, (good job/income stability...), when...
by CaliJim
Mon Feb 13, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

Oh... and....


Go Giants
by CaliJim
Mon Feb 13, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

Property manager will take up to 20% off the top in fees. Nothing wrong with that. But hard to make money short term when that's going on. Long term returns on RE are what? 10% - 15%?? In reality, a house is a house. Another way to look your $100k in increased equity: The house has not 'gone up' in ...
by CaliJim
Mon Feb 13, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 2914

Re: BH thoughts on housing crash

Wanting to raise a 5 YO in a good neighborhood is very understandable. Nothing wrong with aspiring to 'move up', to want to live in a place where you feel more comfortable and secure. But don't play the 'keeping up with the Jones' game. There are always people who are 'better off', live in 'nicer' h...
by CaliJim
Mon Feb 13, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 35
Views: 2485

Re: Talking sense

age in bonds is always a good place to start.... then add or subtract a bit from there depending on your needs and tolerances.

i'm a little older than you and i'm about 50/50.

it is much more comfortable here than were i was a few years ago....75/25.

https://www.bogleheads.org/wiki/Risk_tolerance
by CaliJim
Sun Feb 12, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 8
Views: 789

Re: Vanguard Trust Services

I've not used them...but I an curious. Let us know how your experience goes.
by CaliJim
Sat Feb 11, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Timeline of Contributions, Lump Sum Taxable Acct or staggered into 401k?
Replies: 3
Views: 374

Re: Timeline of Contributions, Lump Sum Taxable Acct or staggered into 401k?

Don't try to time the market. Put as much in as you can, the sooner the better, while maximizing your 401k match, and maximizing the amount you have in tax advantaged space. Most folks here have money both in taxable and 401k space since most bogleheads have savings rates that are higher than they a...
by CaliJim
Fri Feb 10, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Odd issues with establishing employee vs. IC status
Replies: 5
Views: 283

Re: Odd issues with establishing employee vs. IC status

She should ask the company in Kansas to increase her compensation to cover the costs of lawyer, LLC setup, car insurance, life insurance, paid vacation, medical coverage, etc. More than that.....up front costs in advance to do all of this. If this were me, I'd want at least $100k to do setup with w...
by CaliJim
Fri Feb 10, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Odd issues with establishing employee vs. IC status
Replies: 5
Views: 283

Re: Odd issues with establishing employee vs. IC status

No expert.... but I *believe* that If the employer has 'presence' in another state, in addition to the things you mention, they would need to file income tax returns in that state as well as their home state. It is easier to have 'distributors' than it is to have 'employees' in other states from a c...
by CaliJim
Wed Feb 08, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: [Newbie - financial questions, how to manage inheritance?]
Replies: 2
Views: 212

Re: [Newbie - financial questions, how to manage inheritance?]

Hi Thrilled, Welcome to the Bogleheads forum. First - Sit tight on what you got, and use the next 30 days to spend at least an hour a day reading and meditating on the information we have in the Bogleheads WIKI about how to get started with investing. Here are the links: https://www.bogleheads.org/w...
by CaliJim
Wed Feb 08, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Water softener or Scale Blaster??
Replies: 2
Views: 312

Re: Water softener or Scale Blaster??

I cannot help but think the scale blaster is anything but a scam.

Terry Love's web site is pretty good for plumbing stuff. Check out this thread:
http://terrylove.com/forums/index.php?t ... ner.23612/
by CaliJim
Fri Feb 03, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to Start 3-Fund Portfolio with Less than $3000
Replies: 22
Views: 1912

Re: How to Start 3-Fund Portfolio with Less than $3000

ehhh..... buy the bond fund first. it likely won't go up and down as much and thereby scare you away from the market.

Also - write an investment policy statement. check the wiki pages on this site for an example
by CaliJim
Fri Feb 03, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: How to Start 3-Fund Portfolio with Less than $3000
Replies: 22
Views: 1912

Re: How to Start 3-Fund Portfolio with Less than $3000

ETFS $1500 Total Bond Market (BND) Next month or so: $1000 Total Stock Market (VT) call it good. At this point, your savings rate is more important than being too scientific and exact in your asset allocation at the end of each month. Make your buys every other month or so. No need to buy a small lo...
by CaliJim
Fri Feb 03, 2017 1:02 am
Forum: Personal Finance (Not Investing)
Topic: can you convert a 401K into a roth IRA after retirement?
Replies: 2
Views: 346

Re: can you convert a 401K into a roth IRA after retirement?

Yes.

It is almost always a good idea to use your companies 401k plan so that the get the companies matching contributions, then roll it over into a self directed rollover IRA so that you can get better, lower cost, fund choices when you retire.
by CaliJim
Fri Feb 03, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: America’s best days ahead (from a stock perspective)?
Replies: 10
Views: 1287

Re: America’s best days ahead (from a stock perspective)?

This recent summary from the Economist's Global Forecasting Service might be of interest as you ponder your international allocation: http://gfs.eiu.com/Article.aspx?articleType=rf&articleid=375017621&secId=1 Some would argue that current market prices already incorporate much of this pessi...
by CaliJim
Thu Feb 02, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: someone talk me out of using betterment or wealthfront as a "checking account"
Replies: 12
Views: 1078

Re: someone talk me out of using betterment or wealthfront as a "checking account"

I keep 6 to 12 months of living expenses in cash/money market/savings accounts. The rest is in the stock/bond portfolio.
I don't like bettermint or wealthfront. A low cost brokerage is better over the long term. Bettermint will lock you in to a potentially bad situation. Use the Three Fund approach.
by CaliJim
Thu Feb 02, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: America’s best days ahead (from a stock perspective)?
Replies: 10
Views: 1287

Re: America’s best days ahead (from a stock perspective)?

I don't think anyone can predict the future. I think it is a waste of time to try to rationalize any of one's choices about how much US and how much int'l stocks. So just pick something and go with it. It's disheartening to read of someone "agonizing" over this because it really doesn't m...
by CaliJim
Sat Jan 28, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 2945

Re: Calculating Net Worth

Just make your best estimate of the value in a simple list, then include footnotes to explain how you arrived at the values List of Assets Asset 1, $$$$ Asset 2, $$$$ (fn1) Asset 3, $$$$ (fn2) Less Liability 1, -$$$$ Liability 2, -$$$$ Networth Total Net Worth Footnotes: 1) Asset 2: Description, Com...
by CaliJim
Thu Jan 26, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: what to do if you don't want bonds
Replies: 23
Views: 2368

Re: what to do if you don't want bonds

jazman12 wrote:REITS !!


Don't do this. REITS should be counted towards your equity allocation.
by CaliJim
Thu Jan 26, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Upsetting situation with trustee - advice sought
Replies: 11
Views: 1347

Re: Upsetting situation with trustee - advice sought

Sometimes, a letter from your legal counsel can work wonders.
by CaliJim
Thu Jan 26, 2017 1:42 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7314

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday dude.

Keep on beating the simplicity drum as long as you can. We all owe you so much....you are a true gentleman.
by CaliJim
Thu Jan 19, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vital Mistake - Damage Control?
Replies: 16
Views: 2691

Re: Vital Mistake - Damage Control?

Vanguard PAS is a good option. Don't worry about the sunk cost, no need to wait until July. If VPAS doesn't do it for you.....how about this: 1) Education and Agreement on Strategy Get Dad to agree that Passive Investing is better than Active Investment Management. Would he read "The Bogleheads...
by CaliJim
Thu Jan 19, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: Are TIPS good or bad?
Replies: 18
Views: 1547

Re: Are TIPS good or bad?

(i stand corrected)
by CaliJim
Thu Jan 19, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to factor pension into asset allocation?
Replies: 18
Views: 1447

Re: How to factor pension into asset allocation?

I believe the best method is to subtract the pension income from the income you will need from the rest of your portfolio, then construct your portfolio as appropriate to generate the missing income. Another method is to compute the discounted present value of your pension, using your life expectan...
by CaliJim
Thu Jan 19, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: American Century decreasing stock allocations - Interesting article
Replies: 16
Views: 2151

Re: American Century decreasing stock allocations - Interesting article

Active portfolio managers must prognosticate. Forgive them, it's their job. They point to some political trends and fears, and take some profits. Maybe the new administrations policies will be good for stocks? Maybe inflation will rear it's head and bonds will suck for a while? Who knows! Stay the c...
by CaliJim
Thu Jan 19, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: Y2k retiree how is s/he holding up after 2016
Replies: 26
Views: 3856

Re: Y2k retiree how is s/he holding up after 2016

The following may interest readers of this thread. Case Study 2000-2016 very enlightening, especially in view of all the '100% equities' posts we had a few weeks ago. imho...people just don't 'get' the risk involved with making withdrawals from an equity heavy, declining, portfolio. and people can ...
by CaliJim
Thu Jan 19, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the next steps and preparing for retirement
Replies: 2
Views: 634

Re: Taking the next steps and preparing for retirement

What i notice is the overlap between your funds. Diversity is your best friend in investing. and, I may have missed something, but I think you have little if any International exposure. International makes up about 50% of the investable universe. So, you are 50% less diversified than you could be! A...
by CaliJim
Thu Jan 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1485

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

suggestion #47: smaller car
suggestion #48: bike
suggestion #49: uber

:twisted:
by CaliJim
Thu Jan 19, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Fama, Lo on optimal portfolios
Replies: 5
Views: 987

Re: Fama, Lo on optimal portfolios

Thanks for posting. Fama - what a wonderful man - so pleasant - and a great little recap of the development of recent financial theory milestones.

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