Search found 2237 matches

by CaliJim
Mon Aug 15, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Condominium Funds
Replies: 20
Views: 1429

Re: Investing Condominium Funds

Condo money being stock piled for significant future expenses should be invested safely (ie. CD's, Gov't Bonds) using the matching principal. If you plan to replace the roof in 5 years, then money for that project should be invested in a 5 year CD or Gov't Bond. Any money in excess of immediate and ...
by CaliJim
Sat Jul 23, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 6810

Re: Another Too-Much-House Thread....

We have built 3 custom homes, just finished our last one. The first, finished in 1987, was for our young family, 2250sf. The second, finished in 2000, was with teenagers in the house, 3000sf (nic garage). The current one, just finished, for two empty nesters, is 2500sf (nic garage) 1) The current ho...
by CaliJim
Wed Jul 06, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4082

Re: Should I Go After American Airlines?

No you should not go after them
by CaliJim
Wed Jul 06, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8857

Re: Arrgghhh !!! Windows 10 installed overnight

Now that you have Windows 10 - you may want to adjust your privacy settings:


http://www.pcworld.com/article/2971725/ ... piece.html
by CaliJim
Mon Jun 27, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2402

Re: An actual book on LastPass?

jayjayc wrote:
CaliJim wrote:Another question about LastPass:

I have, i dunno exactly, a lot, 100 plus maybe, passwords accumulated in a KeePass database.

Is there a way to export/import them into LastPass?


Yes, there is a dropdown menu that allows you to import from KeePass

.... image deleted....


Cool beans. Thanks.
by CaliJim
Mon Jun 27, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 6058

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

Who said: "making money in the stock market is easy. buy when prices are low and wait for it to go up. if it doesn't go up, don't buy it." ? Buy and hold is about believing and investing in the long term productivity of society, and avoiding transaction costs associated with active trading...
by CaliJim
Mon Jun 27, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2402

Re: An actual book on LastPass?

Another question about LastPass:

I have, i dunno exactly, a lot, 100 plus maybe, passwords accumulated in a KeePass database.

Is there a way to export/import them into LastPass?
by CaliJim
Sat Apr 30, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Screens & Content
Replies: 2
Views: 391

Re: Screens & Content

Are we going to soon reverse course and hold a small "mainframe" in our hand “It's tough to make predictions, especially about the future.” ― Yogi Berra Cloud computing and cloud storage is becoming more common and easy to use. I think of the narrative as being one of "from dumb term...
by CaliJim
Mon Nov 30, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: How do "finishes" count in home appraisals?
Replies: 34
Views: 4476

Re: How do "finishes" count in home appraisals?

Most real estate contracts specify that listed square footage is based on best available information, but it is not guaranteed, and the buyer is to verify square footage for themselves. That said: different houses with the same actual square footage can 'feel' different depending on layout, mirrors,...
by CaliJim
Mon Nov 30, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday
Replies: 50
Views: 6463

Re: Cyber Monday

I bought stuff for the new house. washer, dryer, cooktop, dishwasher, fridge. Saved 30% vs what I had expected to pay. Totally worth it.
by CaliJim
Mon Nov 30, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Is a Bond Fund considered an Equity?
Replies: 15
Views: 2002

Re: Is a Bond Fund considered an Equity?

No. It is still counted as Fixed Income in your asset allocation.

The differences between individual bonds and bond funds are discussed here:
https://www.bogleheads.org/wiki/Individ ... _bond_fund
by CaliJim
Thu Nov 05, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Home gym flooring
Replies: 16
Views: 2405

Re: Home gym flooring

What kind of subfloor do you have? Slab on grade? Raised floor (joists/plywood or joists / planks?) Depending on what you are doing in there....you may need to beef up the subfloor if you are on a raised floor. I use 1/4" (3/8?) rolled rubber flooring in my garage gym, with a one or two stall m...
by CaliJim
Tue Oct 27, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Palo Alto Medical Foundation ripoff - how to handle?
Replies: 36
Views: 2756

Re: Palo Alto Medical Foundation ripoff - how to handle?

Hi,

I've always had good luck with PAMF. Have you tried talking to them? Call, tell them you think the fee is high, and ask them to review. Perhaps there was a coding error.

-jim-
by CaliJim
Sat Sep 05, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Leaking Dishwasher
Replies: 20
Views: 1623

Re: Leaking Dishwasher

yes...appliance repairman first.

the appliance repairman can fix the dishwasher, leaking drain or supply hose, and also tell you if you need a plumber, carpenter or other tradesman in to fix anything else.
by CaliJim
Wed Sep 02, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Physician couple seeking advice on high income asset distribution and investment
Replies: 10
Views: 1613

Re: Physician couple seeking advice on high income asset distribution and investment

Welcome to the forum.

Here is an indirect answer - you might check out one of our member's blogs that focuses on people in your position: http://whitecoatinvestor.com/
by CaliJim
Tue Aug 25, 2015 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Novice w/entire net worth in cash...jump in now?
Replies: 14
Views: 2656

Re: Novice w/entire net worth in cash...jump in now?

Since you are so new to investing, I think your 70/30 allocation is too aggressive. I think you need to invest more conservatively and see how good you are at staying the course. DCA'ing is really just a moving AA target. Say you DCA into the market in 4 equal lumps, every quarter, to an eventual AA...
by CaliJim
Tue Aug 25, 2015 1:28 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 38043

Re: The Bogleheads' Silent Majority

Hi, Before I became a Boglehead, and when I was a noob boglehead, I followed the markets almost daily. Now... not so much. I'm retired and I make semi-annual withdrawals from the portfolio, so I don't check my actual asset allocation all that often. Now I'm busy trying to focus on the things that I ...
by CaliJim
Mon Aug 17, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: How to soundproof interior walls
Replies: 24
Views: 2753

Re: How to soundproof interior walls

I'd look into some combination of: Roxul Safe'n'Sound Db-3 / Mass Loaded Vinyl Resilient Channel 440 SoundBarrier Green Glue Noise proofing Putty Pads Another layer of sheetrock and an experienced contractor Also - 'Holmes on Homes' has a video about this issue: https://www.youtube.com/watch?v=ZlAZs...
by CaliJim
Tue Jun 09, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 15874

Re: Car dealer wants me to compensate for underpayment

As an IT programmer/analyst, I did a lot of work on pricing and discount application systems (not car industry.) The rules based systems we put in place made it impossible to print an incorrect price on an invoice or receipt. Once the dealership makes too many more "mistakes" like this, th...
by CaliJim
Thu Jun 04, 2015 1:06 am
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 2464

Re: Rowing Machines

I love our Concept 2 D And please please please, watch some u tube videos and learn proper form. From the catch: knees, then hips, then arms to the finish From finish back: arms away, then knees, finally hips I have to refrain myself at the gym when I see people rowing with bad form. The most common...
by CaliJim
Tue May 26, 2015 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panels
Replies: 21
Views: 2707

Re: Solar Panels

Do it! Solar PV has a more favorable ROI than bonds AFAIK.

The technology works and it makes financial and environmental sense.

I've had a grid tied system for years. Just do any deferred roof maintenance first so the roof under the panels is in good shape.
by CaliJim
Mon May 25, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Why is the higher ER winning?
Replies: 6
Views: 1607

Re: Why is the higher ER winning?

What I've learned from the bogleheads who have written about these things: Research shows that past performance is not a predictor of future results. Neither is manager experience. Index funds outperform 2/3rds of active funds year over year. It is not always the same 1/3rd of active funds that outp...
by CaliJim
Sun May 10, 2015 12:59 am
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 4174

Re: Lightweight camping gear

I love the lightweight gear I have from:

Zpacks
Gossamer gear (they have a good blog)
Mountain Laurel Designs
Cooke Custom Sewing
MSR
by CaliJim
Thu Apr 30, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Holding long-term bond to increase rebalancing bouns?
Replies: 15
Views: 1481

Re: Holding long-term bond to increase rebalancing bouns?

Hi, Me personally, I wouldn't do a Long Term Bonds barbell strategy without also having some short term FI in the middle. For me, the problem with long term bonds is that my personal time horizon is too short. If your investing horizon is greater than 15/20 years and you can stand the huge hit LT Bo...
by CaliJim
Fri Apr 17, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Count Pension + SS as part of the Bond portion of AA?
Replies: 31
Views: 2746

Re: Count Pension + SS as part of the Bond portion of AA?

My mom is retired (age 65). Her pension + SS is more than enough to cover her monthly expenses. She has $300k in an IRA. Should she count the pension/SS as Bonds? If so, how to convert monthly payments as a % of portfolio? Good that her living expenses are covered by Pension and SS. What about unex...
by CaliJim
Fri Apr 17, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 6491

Re: How to (diplomatically) challenge wife's active mgmt fun

Also, a nuance that is really important (some nuance) is that investing is about risk as well as return. It is no trick to position for greater hoped for return by taking more risk. You cannot let the promise of an active fund be merely a decision to take more risk. I am sorry to say that if your w...
by CaliJim
Thu Apr 16, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 6491

Re: How to (diplomatically) challenge wife's active mgmt fun

After suggesting XIRR... I had one other thought with regard to comparing historical performance of her portfolio to historical performance of a BH portfolio. I'm not even sure I'd do the 'past performance analysis exercise, because in a way, it's a trap. Past performance does not guarantee future r...
by CaliJim
Thu Apr 16, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 6491

Re: How to (diplomatically) challenge wife's active mgmt fun

Hi AaronB With regard to calculating the returns, excel and the XIRR function is your friend. For each fund, you "just" need a two column list of dates in column A, and contributions listed as positive numbers in column B, with the last row being today's date and today's current market val...
by CaliJim
Thu Apr 16, 2015 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 7177

Re: Should I purchase an Umbrella policy?

My opinion: Your biggest source of liability is the car. Don't let any drunks trip and fall in your apartment, and up your car insurance liability and you're good.
by CaliJim
Thu Apr 16, 2015 12:06 am
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 6491

Re: How to (diplomatically) challenge wife's active mgmt fun

If it was me, I wouldn't go to the meeting. I'd take the high road. Why would I want to meet with a salesman whose only incentive is to convince my wife to stay in high cost funds. Not interested. Sorry. I know where he is coming from and I'm very confident in my investing knowledge and approach. I'...
by CaliJim
Wed Apr 15, 2015 11:55 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1555
Views: 803168

Re: The Three Fund Portfolio

Interesting graph. Thanks

Question: [deleted]
by CaliJim
Wed Apr 15, 2015 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in trust or "Mega back door Roth"
Replies: 4
Views: 899

Re: Stay in trust or "Mega back door Roth"

Can you invest in better funds inside the trust?
by CaliJim
Wed Apr 15, 2015 11:44 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2567

Re: DQOTD: Municipal Bond Fund Downside

@dra

Good analysis. I'm ok w all you say, except for taking the low yield on long term risk. I'm hoping at some point we will get back to historical LT yields of 3+, then I'll increase my muni duration. Keeping my fingers crossed. In the mean time I'm an intermediate duration type guy.
by CaliJim
Wed Apr 15, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2567

Re: DQOTD: Municipal Bond Fund Downside

Hmm. Ok. I understand what your saying. Thanks. I just looked up the vwitx yield on yahoo and saw a higher number than your 1.59%. I guess I wasn't looking at SEC yield.
by CaliJim
Wed Apr 15, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2567

Re: DQOTD: Municipal Bond Fund Downside

VWITX (VG Intermediate Tax Exempt) is yielding 2.98%, Dur 4.7, thanks in part to Merideth Whitney. http://www.forbes.com/sites/steveforbes/2013/06/04/meredith-whitney-on-the-future-of-muni-bonds/ VBMFX (VG Total Bond Market Fund) is yielding 2.35%, Dur 5.5, (albeit with lower risk) What am I missing?
by CaliJim
Tue Apr 14, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 2306

Re: Can I incorporate stop loss into this investment philoso

Have a look at this. Same return with half the drawdown SP500 (1950-2014) Select the first test option Then hit "run test" https://www.portfoliovisualizer.com/test-market-timing-model#analysisResults Interesting. Does this model adjust for fees and taxes? I am by nature skeptical of back ...
by CaliJim
Tue Apr 14, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Gardening 2015 pt 2
Replies: 48
Views: 6131

Re: Gardening 2015 pt 2

I like kale.
by CaliJim
Tue Apr 14, 2015 11:20 am
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 2306

Re: Can I incorporate stop loss into this investment philoso

I feel for your situation. Keep it simple, unless you're a math and love driving spreadsheets all day. Even then, it isn't likely that the average 'playah' is going to beat the market. Buy and rebalance, not buy and hold. Pick the top level AA that matches your risk tolerance and let it be. Have a p...
by CaliJim
Tue Apr 14, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 2567

Re: DQOTD: Municipal Bond Fund Downside

I probably missed it, but I have searched the forum, Bwiki and Google and mostly find very generic info on muni bond funds. "Fortunately" our equity allocation has outgrown our AA plan (not a little over, too much to ignore) - first world problems. All our fixed income allocation is in (s...
by CaliJim
Tue Apr 14, 2015 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1283

Re: Inflation Protected Securities Fund

I'm concerned about very high inflation over the coming years ahead. I would like to move about half of my Target Retirement 2015 into Inflation protected securities. I would like feedback on this potential move. What do you all think. Thanks in advance. Without diving down into talking politics, w...
by CaliJim
Tue Apr 14, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Need advice - Invest in Small Cap?
Replies: 6
Views: 1560

Re: Need advice - Invest in Small Cap?

The author of that article doesn't specifically mention small value - rather just small cap. Any idea if small cap value is also no longer working? Too soon to tell. Check back in 100 or so years. Seriously, the slight risk adjusted premiums seen historically for small cap, small cap value, value i...
by CaliJim
Mon Apr 13, 2015 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Question please [Where to invest for monthly income?]
Replies: 10
Views: 1817

Re: Question please [Where to invest for monthly income?]

Depending on your age, you might be able to buy a Single Premium Immediate Annuity (SPIA) that will yield 6% or even more I am unclear on this, is there a minimum age for this? I am 51 and am looking for a bridge so to say, that will get me to age 62 when I can then collect SS. I have another 125K ...
by CaliJim
Sat Apr 11, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: GE Capital Invest Direct account
Replies: 1
Views: 511

Re: GE Capital Invest Direct account

Hehe. Might be time to buy a little GE stock!

It will probably be fine, but, ya know, if your concerned, just switch banks. It isn't that hard to do, just tedious if you have a lot of auto-pay things setup. And if it will give you peace of mind, just switch.
by CaliJim
Sat Apr 11, 2015 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: how safe is your life insurance company?
Replies: 3
Views: 825

Re: how safe is your life insurance company?

Ugh. Sounds like the greed that drove CDO's all over again.
by CaliJim
Sat Apr 11, 2015 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Specials Needs child, Lump sum or Annuity (pension)
Replies: 8
Views: 1064

Re: Specials Needs child, Lump sum or Annuity (pension)

IMHO: Taking the lump makes perfect senses in your situation.
by CaliJim
Sat Apr 11, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question please [Where to invest for monthly income?]
Replies: 10
Views: 1817

Re: Question please [Where to invest for monthly income?]

Hello all, is there a place or places I could invest 200k in and get a 6% return that I could draw from each month for income? I'm sure the answer is no but asking won't hurt..thanks Hi, Welcome to the forums. The answer is No, Yes, Maybe No: The best guaranteed income you can get these days with n...
by CaliJim
Sat Apr 11, 2015 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice - Invest in Small Cap?
Replies: 6
Views: 1560

Re: Need advice - Invest in Small Cap?

There is much discussion about whether the small cap premium has now been arbitraged away or not, and whether the premium is really there on a risk adjusted basis. The three fund portfolio is a very good one. But there is academic support for using small and value funds as well. Educate yourself bef...
by CaliJim
Sat Apr 11, 2015 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Stay in trust or "Mega back door Roth"
Replies: 4
Views: 899

Re: Stay in trust or "Mega back door Roth"

I don't know, but hopefully this reply will give your topic a bump and an expert will chime in.
I do like stuffing money into Roth's though.

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