Search found 2597 matches

by CaliJim
Thu Oct 19, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 88
Views: 9072

Re: Converting to Safety Razors

I too am a DE convert. Light to medium beard Merkur razor Derby blades Proraso cream Badger brush I squirt some cream in my hand and lather up there. No cup needed really IMHO. I experimented a sample pack of various blades: Feather (sharper than I need) , Gillette Silver Blue (like), Astra Stainles...
by CaliJim
Tue Oct 17, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comprehensive guide on Insurance?
Replies: 1
Views: 150

Re: Comprehensive guide on Insurance?

Own a car: auto insurance (protects you from loss of personal transportation, and liability to others for accidents that are your fault) Bodily Injury: 250000/500000 Property Damange:100000 Medical Payment: 25000 Deductible: 1000 Own a house with a mortgage: homeowners and fire insurance (required b...
by CaliJim
Mon Oct 16, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 12
Views: 1092

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

I have also had this question recently. Even the bogleheads wiki seems to be unsure of the optimal strategy: https://www.bogleheads.org/wiki/Tax-eff ... t_strategy: Due to higher returns, equities have the potential to expand tax-advantaged space, leading to higher tax savings later on despite high...
by CaliJim
Mon Oct 16, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: ‘Sure Things’ Check-In
Replies: 8
Views: 1728

Re: Swedroe: ‘Sure Things’ Check-In

Good stuff. Thanks for posting the link.

"However, despite the prediction that interest rates would rise having actually come to pass, through June 30, 2017, the Vanguard Long-Term Bond ETF (BLV) returned 7.8% "

Who knew! Should have gone long. Dang. :twisted:
by CaliJim
Mon Oct 16, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2564

Re: Roofer stopped showing up - what are my options?

IMHO - in this order 1) Send him a letter, written by you or your lawyer, to the handyman. In the letter explain that time is of the essence, you feel he is in breach of your agreement, and either 1) get on the job by mm/dd/yy and work continuously to finish the job by mm/dd/yy, or 2) formally quit ...
by CaliJim
Mon Oct 16, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 12
Views: 1092

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

Generally - tax-deferred or tax-advantaged (T-IRA, R-IRA, 401k), per Taylor and the Wiki. Note, if you retire early, before you are old enough to start withdrawing from your IRAs, then re-balancing can be a P.I.T.A if you try to be strict about not having bonds in taxable. I use intermediate muni-bo...
by CaliJim
Mon Oct 16, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2073

Re: Calculating max electrical load of your home

TomCat,

You still there? Where you at with all this :?:
by CaliJim
Mon Oct 16, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Questions: Exercised ISOs, Company went public
Replies: 3
Views: 411

Re: Tax Questions: Exercised ISOs, Company went public

Thanks Jim for the links. I read through the TurboTax article multiple times, and scenario 4 and 5 are particularly helpful. It's still pretty tricky to calculate all of this out, especially the AMT adjustment part. Unfortunately the article doesn't explain what to do in the case of selling specifi...
by CaliJim
Mon Oct 16, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1195

Re: Employer Listens To Brokerage Calls?

Very unlikely that a "Plant Mgr" or "Prod Super" would be able to contact Fido and listen to the tapes. More likely that the only people in your company who would be allowed access by Fido would be senior managers in Finance, HR, or Legal, with whom Fido already has a more privileged relationship. T...
by CaliJim
Sun Oct 15, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1502

Re: Opinions on bicycle disc brakes?

https://bicycles.stackexchange.com might be a good place to research this question if you don't get answers here.
by CaliJim
Sun Oct 15, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2073

Re: Calculating max electrical load of your home

The max current you can get in is limited by the main circuit breaker at your service entrance, which is sized in conjunction with the length and size of your feed from the power pole, as mentioned earlier. Your electrical distribution panels my be rated higher. Oversizing distribution is fine. Nice...
by CaliJim
Sun Oct 15, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1880

Re: contributing to friend's non-profit?

He is your friend. I think you should attend. Pay/donate whatever you think the cost of dinner might be, celebrate this new adventure with your friend, and defer any larger donations until you have a better feel for things. Often larger donors will make donations contingent on meeting certain fund r...
by CaliJim
Sun Oct 15, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2073

Do you have a digital meter at the service entrance

I'm thinking of upgrading my home electrical service, but before I do I want to be able to calculate the max load my current service can handle. In particular I'm trying to figure out as a practical matter what my home can and cannot handle. There's a general rule that says you don't want to run mo...
by CaliJim
Fri Oct 13, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1619

Re: Washington DC Trip

dm200 wrote:
Thu Oct 12, 2017 3:07 pm
Ugh. Metro / Metrorail. Tomato/tomato.
Not really. There is MetroRAIL and MetroBUS.
Also:
metropolis
metronomic
metronomes
metronymic
metrometer
metroscope
metromania
metrograph

LOL

Image
by CaliJim
Thu Oct 12, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1619

Re: Washington DC Trip

Why "back to Foggy Bottom"? You just need to get back to nearest metro stop. Yes - any Metrorail stop... Ugh. Metro / Metrorail. Tomato/tomato. Wikipedia indicates "Metro" is the colloquial name for it. Metrorail is the brand. Metrorail could also refer to the transportation system in Miami-Dade, H...
by CaliJim
Thu Oct 12, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 1797

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

My dream, for that time of year, would be to go to Chamonix.

https://en.wikipedia.org/wiki/Chamonix

But, while not the best season, if it is a first, and perhaps last, family with the boys to Europe, they need to visit the big big landmarks, Berlin, Paris, Rome; it's almost a right of passage.
by CaliJim
Thu Oct 12, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1619

Re: Washington DC Trip

My wife and I will be visiting Washington DC. We plan to see the tourists sites. We will be staying in Springfield Va and taking the metro to the Foggy Bottom metro station. We plan to get a pass for the hop on hop off bus. Can anyone recommend which bus service? Also, can any one recommend a relia...
by CaliJim
Wed Oct 11, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2314

Re: Best weight loss resources?

http://www.reddit.com/r/loseit http://www.reddit.com/r/1200isplenty (for recipes, not necessarily that 1200 calories should be your limit) myfitnesspal for tracking calories Calories in/calories out is a physical law. Period. Anything else is just presenting this in a different way, confusing diffe...
by CaliJim
Wed Oct 11, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Very confused by Bonds
Replies: 18
Views: 2104

Re: Very confused by Bonds

OP,

The Alan Roth article mentioned in this post is somewhat relevant.

viewtopic.php?p=3568320#p3568320
by CaliJim
Tue Oct 10, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Very confused by Bonds
Replies: 18
Views: 2104

Re: Very confused by Bonds

@CaliJim, thank you for your response. It's a good point about inflation risk. Admittedly, I have not give that much thought--I will do so, but even you seem to be suggesting CDs are best at the moment for my purpose. You are correct. I am triangulating on a short time (3-5 years). This is for reti...
by CaliJim
Tue Oct 10, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Should I convert my Rollover IRA to a Roth.
Replies: 5
Views: 499

Re: Should I convert my Rollover IRA to a Roth.

If you have good investment options in the 401k, move it into the 401k. If you don't - just stay put with what you have. Can the rollover and traditional IRA accounts be merged. I think they are equivalent from an IRS perspective. I personally don't see the benefit of doing roth conversions when in ...
by CaliJim
Tue Oct 10, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5608

Re: Made a career mistake- advice/next steps

Would your old company take you back? I saw it happen a few times during my career where someone left, and came back, and it worked out ok.

Do actively and quietly look for an exit. Don't rot. You owe your new employer nothing, they misrepresented the new job to you.
by CaliJim
Tue Oct 10, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Very confused by Bonds
Replies: 18
Views: 2104

Re: Very confused by Bonds

Many thoughts here: CD's do seem to be a better deal at the moment. If you buy a bond or note when issued from treasury direct, and hold it until maturity, you will collect all your coupons, and get all your principle back. But everywhere and always there is risk. Thinking "I'll get all my principal...
by CaliJim
Mon Oct 09, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: bond "generalizations"
Replies: 4
Views: 455

Re: bond "generalizations"

yeah sort of kind of no not really no prices move inverse to yields - that is a simple one. the rest is more nuanced. there are so many moving parts and don't try to understand the stock market by trying understanding trends in bond yields. that is like a blind man trying to understand an elephant b...
by CaliJim
Fri Oct 06, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 39
Views: 2203

Re: Sell or keep shares of a private company?

The VC probably has a maximum amount of money they are willing to invest here, and a target for % ownership. They have the advantage in that they are in contact with current stock holders and you are not. And they may or may not need your shares to reach their target. If you want more $ for your sha...
by CaliJim
Fri Oct 06, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 226
Views: 26868

Re: Retirement Account Stolen by Identity theft

Two more things: 1) Document everything: take notes on every phone call, save every email, keep keep a copy of every letter sent or received 2) See a lawyer. You may have rights and claims for compensation from the involved institutions, regardless of the outcome of the investigation and recovery of...
by CaliJim
Fri Oct 06, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8118

Re: I'm thinking about cashing completely out of equites....

Many good points made by folks who have already replied. Thing is, you can liquidate your exposure to market risk but you accentuate your exposure to inflation risk. +1 Equities help A LOT with inflation risk over longer periods of time. A wise investor once said: * minimum equity allocation = 20% *...
by CaliJim
Fri Oct 06, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4692

Re: Are stocks going up only because all the alternatives are lousy?

they keep going up for no good reason that I can discern 1) They don't keep going up. Sometimes they go down. But it is a random walk and the direction is unknowable apriori. 2) There are many thousands of reasons each day: buyers and sellers meeting in the agora, many doing their own individual ca...
by CaliJim
Fri Oct 06, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 39
Views: 2203

Re: Sell or keep shares of a private company?

"whereas investors normally buy preferred", "which have liquidation preferences and voting rights" Liquidation: yes. Voting Rights: no. www.investopedia.com/terms/p/preferredstock.asp Plenty of VC's buy common shares. They want to vote. Anyway - for sure diversify - but split the difference.... and ...
by CaliJim
Fri Sep 29, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Review of a boat-bike tour along the Danube River
Replies: 10
Views: 1075

Re: Review of a boat-bike tour along the Danube River

Thanks for posting. I live vicariously through your adventures and hope to one day soon get into this type of adventuring.
by CaliJim
Fri Sep 29, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2687

Re: Caught by speed camera

My first thought was "pay it' and move on. But then... I find it strange that it won't be reported to DMV and no points charged. Is that standard? Where do you send the check.... is it totally legit? Maybe I should setup a speed camera and PO box, and start sending out 'invoices'. Plenty of speeders...
by CaliJim
Thu Sep 28, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2428

Re: Email address compromised - HELP!!!

time to abandon the old email address and get a new one.
by CaliJim
Thu Sep 28, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 4938

Re: My first promotion without a pay increase

As a stock holder (via VTI): I think your pay is just fine, in fact, maybe you are overpaid. :twisted:

As a fellow human being, and as others have said: you are free to try to sell your services elsewhere.
by CaliJim
Wed Sep 27, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4690

Re: Sonoma in October

You might like an overnight at Pt Reyes out on the coast. There is a herd of Tule Elk out on the point past Pierce Point Ranch. The short trail at the end of Mount Vision Road leads to some great vistas up near the FAA ground navigation aid antennas. The Pt Reyes light house is pretty cool. And the ...
by CaliJim
Wed Sep 27, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1379

Re: Good camping sleeping pad

+1 Therm-A-Rest Neoair. https://www.amazon.com/s/ref=nb_sb_noss_2?url=search-alias%3Dsporting&field-keywords=therm-a-rest+neoair+ I screwed around with several unsatisfactory pads and air-mattresses trying to avoid the expense of the Neoair. Big mistake. Finally bought the Neoair and am very happy. ...
by CaliJim
Wed Sep 27, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6375

Re: I'm shocked! [Mother 100% in bonds and annuities]

I don't know how good your relationship is with your sibling... but be mindful that your sibling could try to hold you liable for anything you do. So communicate with your siblings and make sure everyone is on the same page with any significant changes or advice you give mom. Sounds like she has don...
by CaliJim
Wed Sep 27, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1198

Re: Suggestions for a rowing machine

Call all of the crossfit gyms in your area and let them know you are in the market for a used concept 2 and you have $500 cash. Someone may have an older one with the older controller that they may be wanting to upgrade. And the older ones are FINE for your purposes.
by CaliJim
Tue Sep 26, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4675

Re: Comfort level re: tracking at physical shopping centers

They should fix the fan before the unit overheats.
by CaliJim
Tue Sep 26, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4592

Re: 28 Year Old having a Crisis, how am I doing?

Klangfool: well said, yet again. Laying it down, telling it like it is, and coming back for more! :twisted: I *LIKE* it!
by CaliJim
Mon Sep 25, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Home video security system questions
Replies: 2
Views: 426

Re: Home video security system questions

If you are in a higher crime area or a commercial business... by all means spend some money on this. Otherwise, go cheap. IMHO: If you live in a relatively safe area, then main thing is to look like a hard target. Get a low cost costco system, put a couple of POE dome cameras up at your front door a...
by CaliJim
Mon Sep 25, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1070

Re: DIY gas fire pits. Propane or Natural Gas?

we put in a natural gas firepit. I'd recommend it if you have it readily available. propane is more $$ - in terms of cost to run. that said... we really don't use it much. it's just another doodad. otoh: my brother has a neighbor with a firepit and the neighborhood men gather there every other frida...
by CaliJim
Sun Sep 24, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4592

Re: 28 Year Old having a Crisis, how am I doing?

Keep building on your strengths, and strengthen your weaknesses. Network - build friendships and relationships in the office - use wise friends as mentors. Consider focusing on a specialty area - perhaps something related to compliance, or project management. - http://www.finra.org/industry/qualific...
by CaliJim
Fri Sep 22, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 726

Re: Questions on electronic security while traveling

Interesting artcle about mobile man-in-the-middle attacks.

Even HTTPS is not THAT secure.

http://www.information-age.com/what-are ... 123461071/

Again: 2 factor authentication reduces your risk. You should use it.
by CaliJim
Fri Sep 22, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 726

Re: Questions on electronic security while traveling

Man-in-the-middle attacks are very difficult to detect. They can happen over wifi or cell-data or hardwired. I keep a copy of my encrypted password database locally on my cell phone. I use a very long password to access the file. (I use keypass). (I have information in my password file that I might ...
by CaliJim
Fri Sep 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: How to recognize self-help books?
Replies: 24
Views: 1440

Re: How to recognize self-help books?

Very interesting question. And by interesting I mean strange. How do YOU define self help? I think this is the KEY to answering your question? I read science fiction books as a form of self help. They distract me from my thoughts. They are like a cheap mini-vacation. I find it helpful. And I read th...
by CaliJim
Thu Sep 21, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Best retirement strategy
Replies: 7
Views: 1933

Re: Best retirement strategy

Welcome to the Bogleheads! I have a self directed IRA with approx 300K, I would like to know that best way/ways to save from now (57) to retirement and have income when I retire, plus not have to pay taxes. Some of the language used on here is a little technical for me...but how do I move from my IR...