Search found 2399 matches

by CaliJim
Thu Jan 19, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vital Mistake - Damage Control?
Replies: 16
Views: 2531

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: 1373

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: 17
Views: 1066

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: 12
Views: 1379

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: 3711

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: 570

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: 25
Views: 1237

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: 904

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.
by CaliJim
Thu Jan 19, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mother handing over investments to me, not sure which route to go
Replies: 12
Views: 1427

Re: Mother handing over investments to me, not sure which route to go

Might be worth dropping a few $ on a fee only certificed financial planner (Vanguard has a service) who can help you and her review the entire situation in an organized manner. Then you can develop an investment policy statement, and invest accordingly in a conservative asset allocation at a low cos...
by CaliJim
Thu Jan 19, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Lost in Swamp in central Fl
Replies: 27
Views: 3077

Re: Lost in Swamp in central Fl

BTW: if there is a good chance you will outlive your resources, there is nothing wrong with setting up a corporate trust for your heir so that the money can be managed responsibly until such time as the heirs are mature enough to manage it on their own. Banks like Wells Fargo, and Vanguard offer tru...
by CaliJim
Thu Jan 19, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Asset class historical returns--is the data practical?
Replies: 1
Views: 213

Re: Asset class historical returns--is the data practical?

Yes and no. I think there exists pretty good data for individual public company stock prices and dividends over the last 100 years. So some weak expectations can be derived from that.... However, the regulatory and political and social and investing environments have changed over the same time perio...
by CaliJim
Thu Jan 19, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: New fiber internet security
Replies: 6
Views: 748

Re: New fiber internet security

Put your own wifi firewall router in between your internal network and the providers box. You can then be in better control of things.

Apple Airport Extreme
Linksys Velop
Others....
by CaliJim
Thu Jan 19, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Lost in Swamp in central Fl
Replies: 27
Views: 3077

Re: Lost in Swamp in central Fl

welcome taylor is one of our sages here and has given you some good advice drain the swamp by calling vanguard. also, the getting started guide linked above is good, and maybe read one or two books on our book list. https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews Don't rush and do...
by CaliJim
Tue Jan 17, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Short Term TIPS in retirement portfolio
Replies: 23
Views: 1855

Re: Short Term TIPS in retirement portfolio

EyeDee wrote:.
Fundhunter,

Perhaps this Vanguard paper comparing long and short TIPS might be of value to you:

https://institutional.vanguard.com/iam/pdf/ICRLSTPS.pdf


Good paper. Thanks.
by CaliJim
Mon Jan 16, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 936

Re: Heavy duty cordless drill/hammerdrill recommendation

The guys who just finished building a new house for me all used Makita cordless drills. They made the top rated drill in this article: http://www.popularmechanics.com/home/tools/reviews/a3793/4292657/ I have the Ryobi myself because it was inexpensive and I drill less than 2 holes a month. What I do...
by CaliJim
Sun Jan 15, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: Who understands REITS?
Replies: 10
Views: 1226

Re: Who understands REITS?

Nobody can predict with good certainty

Invest for the long term, not the next administration
by CaliJim
Fri Jan 13, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: real estate building - Trustee liabilities
Replies: 2
Views: 193

Re: real estate building - Trustee liabilities

caveat: i am not an expert: Trustees can be sued Liability can be reduced via good property management: Excellent record keeping, meeting notes, photographs, written communication logs, etc Errors and Omissions Insurance Professional property inspections and remediation of problems found Electrical ...
by CaliJim
Thu Jan 12, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2516

Re: Home heating options

i'm no expert - but I'd be worried long term about corrosion with an underground tank
by CaliJim
Thu Jan 12, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: How would a preservation of capital portfolio look like?
Replies: 8
Views: 753

Re: How would a preservation of capital portfolio look like?

To absolutely preserve capital you need to sacrifice appreciation, as you are talking a LOW RISK portfolio. Such a portfolio would be like this: CD Ladder Short Term Govt Bond Ladder or Fund Individual TIPS purchased at auction and kept to maturity OTOH - a low volatility, pretty secure, portfolio, ...
by CaliJim
Thu Jan 12, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: PI question regarding Vanguard and Betterment
Replies: 10
Views: 950

Re: PI question regarding Vanguard and Betterment

We got t a wiki article for that: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds 6 vs half a dozen I suspect that what the fund takes away via in and out fees, the ETF will take away in 1) price vs nav, and brokerage txn fees. Anyhow... why international reits? Keep it simple. International re...
by CaliJim
Thu Jan 12, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3055

Re: Rebalance into cash

In a way, stock market recovery after a crash is driven by the indomitable human drive to thrive, tempered by politics, sociology, and demographics.
by CaliJim
Wed Jan 11, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: PI question regarding Vanguard and Betterment
Replies: 10
Views: 950

Re: PI question regarding Vanguard and Betterment

:D Betterment is going to charge you a fee ON TOP of what the funds they are using charge. So using Betterment + Funds ER is going to be at least 0.25%. https://support.betterment.com/customer/portal/articles/934265 Vanguard LifeStrategy Moderate Growth Fund (VSMGX) ER = 0.14%. Not huge difference b...
by CaliJim
Wed Jan 11, 2017 1:45 am
Forum: Investing - Help with Personal Investments
Topic: PI question regarding Vanguard and Betterment
Replies: 10
Views: 950

Re: PI question regarding Vanguard and Betterment

just checked...betterment has been discussed.

here is something that rick ferri points out:

viewtopic.php?t=168706#p2541749
by CaliJim
Wed Jan 11, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6538

Soaking in Oxiclean works!!!

You see - I can't get the stains out of my white flour sack dish towels. I've tried soaking in liquid laundry detergent, bleach, and oxiclean. I'm really surprised the oxiclean powder didn't work. I've had very good luck using a lengthy soak according to package directions. It fully removed red win...
by CaliJim
Wed Jan 11, 2017 1:20 am
Forum: Investing - Help with Personal Investments
Topic: PI question regarding Vanguard and Betterment
Replies: 10
Views: 950

Re: PI question regarding Vanguard and Betterment

Howdy Total newby, so please rap my fingers if I stray beyond protocols or use bad terminology. I'm 40, work as a freelancer/self employed and have an SEP-IRA, a newly opened - 2016 - owner 401K and an taxable account filled up with American Funds and some individual stocks at Edward Jones (90% sto...
by CaliJim
Wed Jan 11, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Morgage Advice
Replies: 16
Views: 1645

Re: Morgage Advice

"Went to the annual credit report site to get my 3 free reports. 2 out of the 3 did not allow me to view them online, apparently I answered some questions wrong? The third I was able to view, however there was no actual score available. So now I am not sure what to do." These sites don't ...
by CaliJim
Tue Jan 10, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6538

Re: Laundry lifestyle creep

You see - I can't get the stains out of my white flour sack dish towels. I've tried soaking in liquid laundry detergent, bleach, and oxiclean. I'm really surprised the oxiclean powder didn't work. I've had very good luck using a lengthy soak according to package directions. It fully removed red win...
by CaliJim
Tue Jan 10, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in old stock certificate
Replies: 5
Views: 674

Re: Cash in old stock certificate

leonidas wrote:It's only 1 share. :(
I used to have it as part of a DRIP.
I cant remember why I ended up with a physical share though.


Dang!
by CaliJim
Tue Jan 10, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3055

Re: Rebalance into cash

parsi1 wrote:Here is the advise from a guy well respected here, and everywhere else:

https://www.youtube.com/watch?v=k6ra5POdsYg


What a wonderful interview. thanks for the link.
by CaliJim
Mon Jan 09, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Morgage Advice
Replies: 16
Views: 1645

Re: Morgage Advice

First: being a Californian, I had to check.... where can you buy a home in the US for under $100k. You can't buy a closet for under $100k in my neck of the coast. Well... turns out you can still buy a home for under $100k that isn't places that are not Detroit. Article here: http://www.realtor.com/n...
by CaliJim
Mon Jan 09, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: emerging market on taxable
Replies: 5
Views: 402

Re: emerging market on taxeble

Sure it is ok to buy some EM in a taxable account . The only downside is that ~30% to 60% of your dividends will be unqualified depending on the fund. On the plus side - you could get a tax credit for all the foreign dividend taxes. I prefer to hold EM in a IRA / 401k and hold developed foreign in ...
by CaliJim
Mon Jan 09, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3055

Re: Rebalance into cash

My market positions would be wiped out if everyone else went to cash..... so.....NO DON'T DO IT.... this would be a BAD trend..... for me.
by CaliJim
Mon Jan 09, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: How to replace shower arm pipe? Plumbing question.
Replies: 26
Views: 1473

Re: How to replace shower arm pipe? Plumbing question.

Ah... come on. Do the right thing. Strip the room down to the studs and replace everything. A good handyman can do the job, including plumbing and tile work, in less than a week. My realtor knows a guy who does bathrooms for $8k or less. :twisted:
by CaliJim
Mon Jan 09, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Lazy Portfolio with Sector Funds
Replies: 33
Views: 2037

Re: Lazy Portfolio with Sector Funds

People got to eat, but they'll also buy low profit margin foods in a recession - rice and beans. Utilities are subject to disruption from technology. All I want to say now is that humans are very good at finding patterns where non really exist - constellations in the stars - that sort of thing. &quo...
by CaliJim
Mon Jan 09, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo corp bond
Replies: 8
Views: 496

Re: Wells Fargo corp bond

I am trying to eliminate seeing the nav lose 20 pct or something.I was actually thinking about combining VCIT that with the cd's and the Wells Fargo.Maybe 20-20-60 with the 60pct being cds. So... IMHO.... you talking about market timing... because, like, you know, 'the nav' WILL IN FACT NO DOUBT 'l...
by CaliJim
Mon Jan 09, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6538

Re: Laundry lifestyle creep

I've been subject the same sort of creep. I even bought Oxiclean powder the other day.

You see - I can't get the stains out of my white flour sack dish towels. :annoyed I've tried soaking in liquid laundry detergent, bleach, and oxiclean.

What do you recommend?
by CaliJim
Mon Jan 09, 2017 4:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13161

Re: Sad News About a Respected Forum Member

Great teacher. Wise and generous. I've learned a lot from Old Meph, as many of us have. His contributions will always live on.
by CaliJim
Mon Jan 09, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Lazy Portfolio with Sector Funds
Replies: 33
Views: 2037

Re: Lazy Portfolio with Sector Funds

I agree with Taylor and Nisi .... and also... I believe in the weak version of the efficient market hypothesis: the stock market is mostly efficient (risk and reward to hand in hand) and there may be inefficiencies in the market over short periods of time, but these inefficiencies are very difficult...
by CaliJim
Mon Jan 09, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Roofing costs and options (flat v pitched ; solar panels)
Replies: 6
Views: 520

Re: Roofing costs and options (flat v pitched ; solar panels)

I have a new home with a ~2% pitched 'flat' roof. I selected a PVC membrane. I love it and the cost was very reasonab If your old roof does not have enough pitch, a good contractor can increase the pitch using thin light weight tapered EPS insulation panels to add slope and insulation without adding...
by CaliJim
Mon Jan 09, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo corp bond
Replies: 8
Views: 496

Re: Wells Fargo corp bond

Hmm. In general - seek wide diversification in both stock and bond investments. 3.6% on the ten year WF bond, according to this web page: http://quicktake.morningstar.com/stocknet/bonds.aspx?symbol=wfc In comparison, 2.46% on the ten year treasury. So 1.1% for the non-systemic corporate credit risk....
by CaliJim
Mon Jan 09, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in old stock certificate
Replies: 5
Views: 674

Re: Cash in old stock certificate

Tender offers do expire, but the subsequent exchanges are forever. Your share is worth $93. But that money has almost certainly been escheated to the state that you lived in at the time of the merger. Go to missing money dot com and search for your name, I bet you find it. If that fails, you can st...
by CaliJim
Sun Jan 08, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a forgivable loan
Replies: 8
Views: 738

Re: Investing a forgivable loan

I'd only leave if it were for a better position (unlikely). Haha. Good one. Ten years is a long time. Jobs situations and relationships change. You have maybe 40% chance of divorce in ten years. Maybe new girl friend wants to move! Lotsa things happen. Gamble if you want, but don't be so sure about...
by CaliJim
Sun Jan 08, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in old stock certificate
Replies: 5
Views: 674

Re: Cash in old stock certificate

Call your broker, but don't get your hopes up. Tender offers are often time limited.

http://www.investopedia.com/articles/02/101802.asp
https://en.m.wikipedia.org/wiki/Tender_offer
by CaliJim
Sun Jan 08, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Application/service for personal finance situation tracking
Replies: 2
Views: 292

Re: Application/service for personal finance situation tracking

dear interested.... welcome to the forum. there are many quicken users here. many have used it for over a decade...like me. multi currency is going to be a stretch also...use the forum search function to look for threads that mention the applications on your list. you will find they have been mentio...
by CaliJim
Sun Jan 08, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Investing a forgivable loan
Replies: 8
Views: 738

Re: Investing a forgivable loan

i would put the entire unvested amount in a CD ladder. fdic insured etc. this isn't your money so keep it safe. each year, as a CD matures, put the newly vested after tax amount into your target AA, setting aside the vested tax amount into a savings or money market account. you guys may not want to ...
by CaliJim
Sat Jan 07, 2017 2:56 am
Forum: Personal Consumer Issues
Topic: Architect Fees-Are these reasonable?
Replies: 4
Views: 821

Re: Architect Fees-Are these reasonable?

seems very very reasonable. $1000 to $2000 per sheet/drawing, depending on complexity, is a good rule of thumb. also, up to 10% of construction cost is another.
by CaliJim
Tue Jan 03, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 776

Re: Book recommendation for teen

I have a young adult daughter... and all I can say is 'good luck' with that. As Yogi said "You can observe a lot just by watching". The way you behave will teach her the most. Involve her in your financial planning in a simple way - for example - table talk "Honey, I'm thinking we wil...
by CaliJim
Tue Jan 03, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Tile flooring - hard on the ole bones?
Replies: 18
Views: 1688

Re: Tile flooring - hard on the ole bones?

IMHO: we have both tile and wood floors, both on slab. the wood is warmer in so far as it does not conduct heat away from the feet as fast as tile does. with regard to bones.... no difference to me. I have had wood floors in the kitchen and I don't like it. too much maintenance. ceramic tile is so e...

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