Search found 2757 matches

by CaliJim
Wed Feb 21, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1141

Re: Recessed 4 inch LEDs: Recommended brands

i have many dozens of the Halo RA4 floods and spots in my 1.5 year old home, both inside and out. They are all working very well. Don’t be afraid to go with the 3000k units. They are not too cold. Lutron Maestro dimmers. No flicker.
by CaliJim
Wed Feb 21, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 86
Views: 4109

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

All I can say is: I feel your pain. Medical insurance costs are THROUGH THE ROOF for individual/family coverage. I agree that the income cut-offs don't make sense; there perhaps should be a more progressive ramp between subsidized and non-subsidized costs... but there isn't... and we can't talk poli...
by CaliJim
Mon Feb 05, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2249

Re: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?

What I'd do.... reboot everything in a controlled way: Step one: Turn OFF every computer/smart phone/tablet/smart tv etc in the house, then restart just the cable/DSL modem, wait a bit, the restart the lan router/access point, wait, then restart the Mac Pro. Step two: Test speed of Mac (google speed...
by CaliJim
Mon Feb 05, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265499

Re: U.S. stocks in freefall

My gut feelings: Working folks should continue investing in a disciplined way through thick and thin as before, buying in accordance with their target asset allocation. And folks should perhaps be patient with regard to rebalancing and TLH opportunities in case the market continues to correct, which...
by CaliJim
Thu Jan 25, 2018 3:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4113

Re: Happy Birthday, Taylor!

Happy Birthday! Keep on keeping on.

Image
by CaliJim
Wed Jan 17, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: AJ Madison?
Replies: 11
Views: 1121

Re: AJ Madison?

I bought all the appliances (kitchen & laundry) for a new house from them on Black Friday 2 years ago. Very happy. Saved a Bundle.
by CaliJim
Tue Jan 09, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4135

Re: Do I need $$ in taxable?

Ok, I guess I wasn't clear in what I am wondering. Basically, the question is there any reason in retirement to have a taxable account. Why not just use a Roth account in lieu of the taxable? 3 types of accounts: taxable, tax-deferred and tax-free. The tax-free (Roth) should be the last money you t...
by CaliJim
Fri Jan 05, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Current BH Thinking On Bonds in Tax-Deferred Account
Replies: 1
Views: 328

Re: Current BH Thinking On Bonds in Tax-Deferred Account

i've had both intermediate tips and total bond fund in tax advantaged. but not so much in tips now. i wish i had loaded up on tips when the real rates were high... but i missed that boat. now i think the inflation protection premium charged for tips is too high. and i dont have sooo much $ that infl...
by CaliJim
Fri Jan 05, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4135

Re: Do I need $$ in taxable?

Ok, I guess I wasn't clear in what I am wondering. Basically, the question is there any reason in retirement to have a taxable account. Why not just use a Roth account in lieu of the taxable? Example: Imagine that I have $0. in taxable. All assets are in tIRA accounts. So any money withdrawn from t...
by CaliJim
Fri Jan 05, 2018 2:10 am
Forum: Investing - Theory, News & General
Topic: Marijuana stocks
Replies: 28
Views: 4087

Re: Marijuana stocks

The DOJ just decided to give US Attorneys the opportunity to prosecute, pretty much at will. This is a change from the continuation of the Obama administration hands off policy which DOJ had been operating under until today. I'm not sure what the impact will be in states where it is legal. Regardle...
by CaliJim
Fri Jan 05, 2018 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Do I need $$ in taxable?
Replies: 26
Views: 4135

Re: Do I need $$ in taxable?

what you are missing is actual numbers... amount in taxable,tIRA, R-IRA capital gain amounts taxable NQ dividend income annual expenses ... as i understand it...which isn't “deeply”, and i didn't quite get your situation: roth conversions are great when done in low tax brackets. so just plan on revi...
by CaliJim
Fri Jan 05, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Pay Down Rental or Save for Down Payment?
Replies: 5
Views: 533

Re: Pay Down Rental or Save for Down Payment?

1) increase emergency fund to 6 or more months of living expenses. stuff happens. 2) imho...since the rental is positive cash flow, the leverage is working in your favor. keep the cash and don't pay down that debt, but do plan for maintenance and repairs. 3) anything left over...save for early retir...
by CaliJim
Fri Jan 05, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Does all net income that doesn’t get paid out as a dividend add to a company’s equity?
Replies: 9
Views: 866

Re: Does all net income that doesn’t get paid out as a dividend add to a company’s equity?

I used to think that 100% of a company’s net income would either get paid out as dividends or add to a company’s retained earnings but I’ve realized that, in a lot of cases, some of a company’s net income just seems to disappear. Where does this additional net income go? Would paying off debt with ...
by CaliJim
Wed Jan 03, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Resources to teach children about economics, investing, building a work ethic
Replies: 2
Views: 296

Re: Resources to teach children about economics, investing, building a work ethic

Can anyone suggest some resources to teach my elementary school grandchildren about economics, investments, setting monetary goals, retirement, work ethic, etc. hire them to do some work for you that you are “too old” to do yourself, then talk to them about what they want to spend their earnings on...
by CaliJim
Wed Jan 03, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Which bucket to fill next with bonds? (Quickie, I hope!)
Replies: 19
Views: 1758

Re: Which bucket to fill next with bonds? (Quickie, I hope!)

btw... if you are eligable to contribute to the roth... by all means... do so before investing in taxable

bonds in roth are fine.
by CaliJim
Wed Jan 03, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Which bucket to fill next with bonds? (Quickie, I hope!)
Replies: 19
Views: 1758

Re: Which bucket to fill next with bonds? (Quickie, I hope!)

Thanks, CaliJim. But note that I don't have any stocks in tax advantaged/401K. So...still curious to know which bucket to start filling next with Total Bond: taxable or Roth? generally: better to favor stocks in taxable and bonds in tax-advantaged accounts. but it is ok to have both in tax advantag...
by CaliJim
Wed Jan 03, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Backtesting is scary!
Replies: 10
Views: 1213

Re: Backtesting is scary!

0.3 is not a lot to pay for hand holding and may be worth it if you predecease you spouse ans said spouse is not financially savy

that said..20% total stock market, 60% total bond market, and 20% CDs should give a pretty smooth ride and is easy to set up and maintain.
by CaliJim
Tue Jan 02, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9852

Re: Effects of extreme cold weather

(meh...CA’s too crowded, so nobody goes there anymore. stay where you are. :twisted: )
by CaliJim
Tue Jan 02, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which bucket to fill next with bonds? (Quickie, I hope!)
Replies: 19
Views: 1758

Re: Which bucket to fill next with bonds? (Quickie, I hope!)

generally: better to favor stocks in taxable and bonds in tax-advantaged accounts. but it is ok to have both in tax advantaged accounts. muni bonds in taxable are ok too. so.. sell some stocks in tax advantage/401k, then buy some stocks in taxable and buy bonds in tax advantaged see also: https://ww...
by CaliJim
Tue Jan 02, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Annoying/Loud Sidewall Power Venter
Replies: 6
Views: 465

Re: Annoying/Loud Sidewall Power Venter

re Noise: unplug, open the thing up, clean it and lube it. if that doesn't fix it, replace it. both replacement wheels and wheel and motor kits are available on amazon. re cycling: as above... leaky house, window open, poor insulation? also, bad thermostat maybe. https://images-na.ssl-images-amazon....
by CaliJim
Thu Dec 28, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2208

Re: LifeStrategy Income Fund - Only 20% stocks?

Jeesh.....100% Intermediate term bonds will likely keep up with normal levels of inflation, as long as your not spending much of it! I'm just a few years older, have made my number, and feel comfortable with a 45/55 split. IMHO: Strategic Income Conservative Growth Fund would be good for you too...p...
by CaliJim
Sat Dec 23, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff in 6 Years - Good Strategy?
Replies: 5
Views: 1131

Re: Mortgage Payoff in 6 Years - Good Strategy?

i'd pay it off. i did that a few years ago....felt great. it was not strictly a financial decision. leverage acts as an amplifier. it makes gains bigger and losses bigger as well.... the "100% stocks for the long run" folks may disagree....but I think folks with mortgages should think about how it i...
by CaliJim
Sat Dec 23, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 7768

Re: Will you donate less to Charity?

i'll probably continue giving at about the same rate, but I give only about about 1.5% of income rate. we do not have a DAF.
by CaliJim
Sat Dec 23, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 62
Views: 9836

Re: going to cash w present instability

Would it be fair to say that u would not want to go out more than 5 years on CDs or if not, please explain I prefer 5 over 7 years .... but I don't think it would make a huge difference. I think of a CD ladder (and short term bond funds) as a recession emergency fund. I like having enough in short ...
by CaliJim
Fri Dec 22, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 62
Views: 9836

Re: going to cash w present instability

A few of MY thoughts with regard to a tip vs cd ladder in tax advantaged space * Real yields on TIPS are unattractive to me / the TIP inflation risk premium is too high for my tastes * if you need to sell your tip security before maturity - you rely on the market to buy it from you at a reasonable p...
by CaliJim
Wed Dec 20, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed out and wondering if/when to get back in
Replies: 26
Views: 3836

Re: Cashed out and wondering if/when to get back in

Thanks to all of you who have responded to my question! What a wonderful group of smart, articulate people who are kind enough to take the time to share their experiences and insights. I also appreciate the informed nudging! I read all of your responses, as well as the links some of you offered (li...
by CaliJim
Tue Dec 19, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5324

Yo!

Slow down...We got so caught up talking amongst ourselves that we lost the OP
by CaliJim
Mon Dec 18, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 62
Views: 9836

Re: going to cash w present instability

I'm 100% stocks and nothing about the present market makes me particularly doubt that allocation. You must have huge labor capital ahead of you, a huge portfolio, great fortitude, or big somethings... Most of us average folks hang out in in the 25/75 to 75/25 asset allocation territory. https://www...
by CaliJim
Mon Dec 18, 2017 11:40 pm
Forum: Investing - Theory, News & General
Topic: converting IRA to a Roth-
Replies: 5
Views: 632

Re: converting IRA to a Roth-

Hi Cali..... I like your screen name. You can play with i-orp to get an answer on Roth conversion. https://www.i-orp.com/GOPtax/index.html As you probably know, Roth Conversion is a bit of a tax rate arbitrage game. If you think your marginal tax rate now is lower than it will be in retirement, then...
by CaliJim
Mon Dec 18, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5324

Re: When to move into bonds

Dear Original Poster (OP): Sorry we got sidetracked..... back to your question about when and how much in bonds, how to diversify, where to look for more info: Regarding where to look: 1) Most of our collected wisdom on retirement planning is in this book - "Boglehead Guide to Retirement Planning", ...
by CaliJim
Mon Dec 18, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed out and wondering if/when to get back in
Replies: 26
Views: 3836

Re: Cashed out and wondering if/when to get back in

Welcome to the Forum In general, we don’t advocate trying to time the market. We advocate investing education, development of a reasonable plan and thenfollowing the plan through thick and thin. So we say: now is a good time to be invested in equities in accordance with your plan. Sounds like you do...
by CaliJim
Mon Dec 18, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5324

Re: When to move into bonds

Ben Graham would have recommended you make the move a long time ago. He said that the default position should be 50/50 and that everyone should be somewhere between 75/25 and 25/75. We just all think we know better. +1 Old Ben was a wise man. He also was a strong advocate of stock picking too. It s...
by CaliJim
Sun Dec 17, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 9370

Re: How much do you spend on food per month, per person?

market timer wrote:
Sat Dec 16, 2017 10:47 pm
DW and I both work and don't cook. We don't even have a proper kitchen, just a microwave and toaster.

Total: $1200/pp per month

I would like to cut this down.
Meal prep is the answer:

https://www.reddit.com/r/MealPrepSunday/
by CaliJim
Sun Dec 17, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 3879

Age in Bonds is a good rule of thumb

To get a feel for the relative risk vs. returns, here is a table from Vanguard of historical returns in the past 91 years. Keep in mind that the table only tracks gains/losses for 91 calendar years. Gains and losses within 1 year periods can be larger than this table shows, because they might occur...
by CaliJim
Sun Dec 17, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5324

Re: When to move into bonds

Ben Graham would have recommended you make the move a long time ago. He said that the default position should be 50/50 and that everyone should be somewhere between 75/25 and 25/75. We just all think we know better. +1 Old Ben was a wise man. "Lock in" your gains by some buying bonds. Increase your...
by CaliJim
Sun Dec 17, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating company stock
Replies: 3
Views: 248

Re: Liquidating company stock

Just glancing quickly at your plan... I think you're on the right track. I wouldn't worry about DCA vs Lump Sum. Do whatever makes you feel comfortable. Pay the tax man and don't look back. Be thankful for your great good fortune. And donate a few appreciated shares away to a charity. It's good for ...
by CaliJim
Sun Dec 17, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 51
Views: 4294

Re: too much $ in my company of work?

My rules of thumb:
5% max.
Sell all that are subject to Long Term capital gains.
Hold the short term until they go long then sell.
by CaliJim
Sun Dec 17, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 62
Views: 9836

Re: going to cash w present instability

IMHO: Tip ladders are a pain to deal with, especially if held in taxable accounts. A million+ (200k/rung) in a rolling 5 year CD ladder would be much simpler and respond fairly well to inflation. You’d have plenty of money coming in each year and whatever’s left can be reinvested. Buy the best 1 yea...
by CaliJim
Sat Dec 16, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological anxiety to retirement
Replies: 9
Views: 1527

Re: Psychological anxiety to retirement

Congrats on your good fortune to have accumulated so much. As others have said... I think the anxiety could be normal. How'd you get 2.6%. Are you dividing total net worth by annual expenses, or investment assets by annual expenses? How sure are you that you can sustain a $50k/year lifestyle in earl...
by CaliJim
Fri Dec 15, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I open a fitness center for extra money?
Replies: 37
Views: 2965

Re: Should I open a fitness center for extra money?

miamivice wrote:
Fri Dec 15, 2017 9:41 am
Should I consider diversifying my investments by opening a fitness center?
No
by CaliJim
Fri Dec 15, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds-Is the "coupon" what we should expect for return??
Replies: 14
Views: 1013

Re: Bonds-Is the "coupon" what we should expect for return??

Here is how I think about it.... this is intuition, not math: The dividend yield, relative to both the price you paid for it, and relative to future market prices, will fluctuate a bit. In what ways is unknowable. However, the best estimate we have now of the future yield of a bond or a bond fund is...
by CaliJim
Thu Dec 14, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna hit it big, but questions remain.
Replies: 9
Views: 2535

Re: Skeptical Tuna hit it big, but questions remain.

You are making good progress. I didn't get an umbrella until I had teenage drivers in the household... but I'd say it is at least worth getting a quote and then you can decide. Has she even tasted a Reeses Cup? https://www.hersheys.com/is/image/content/dam/reeses/en_us/images/products/related_produc...
by CaliJim
Sun Dec 10, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1725

Look online for "laundry detergent box" and see what comes up

All sorts of laundry detergent for sale @ Amazon in boxes.

Here's one:
https://www.amazon.com/Ajax-Low-Foam-Al ... B005NIJ6OK
by CaliJim
Sat Dec 09, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 720

Re: Cheap outdoor floor covering?

You might go to a carpet store and ask if they have or will have a couple of old carpets from a recent re-carpet job
by CaliJim
Wed Dec 06, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Crypto-Currency
Replies: 17
Views: 1404

Re: Crypto-Currency

No. Speculation in such things is not allowed per the BH membership agreement.
by CaliJim
Mon Dec 04, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Former employer preventing rollover?
Replies: 10
Views: 1077

Re: Former employer preventing rollover?

This is inexcusable.

IMHO: don't make threats that could appear empty with a dirt bag like the one described.....lawyer up now.... have the lawyer write the overnite letter to the former employer and send it now.
by CaliJim
Mon Dec 04, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 59
Views: 5953

Re: A " Bond Tent" During the "Retirement Red Zone?"

How can one simulate this tent strategy vs some other strategy without pulling teeth. Is there a monte carlo simulator that will allow one to vary the asset allocation year by year? It would be interesting to experiment. My concern is .... now...a decade into early retirement.... I'm just not that c...
by CaliJim
Wed Nov 29, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Step up value on property when husband passes away
Replies: 2
Views: 591

Re: Step up value on property when husband passes away

Yes

Ask a local real estate broker for a referral
by CaliJim
Tue Nov 28, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: BSV Bid/Ask Spread [after hours @ schwab]
Replies: 7
Views: 488

Re: BSV Bid/Ask Spread [after hours @ schwab]

The bid/ask spread at the opening cross will be $0.00, so if your limit price is higher than the opening cross price then your buy order will be executed because you submitted your order before the market opens in the morning. Yes. Thanks. My buy limit order @ 80.52 was executed at the opening pric...