Search found 3026 matches

by CaliJim
Sat Apr 06, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 2844

Re: Drill & driver combo kit comparison

The guy who built my house uses his makita tools the most
by CaliJim
Tue Mar 26, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Options
Replies: 21
Views: 1696

Re: Stock Options

10k in txn fees is outrageous. 4k is high too.
by CaliJim
Sun Mar 24, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2861

Re: Lock Strategy for New House

folks may be interested in how firefighters use irons to breach doors

https://www.youtube.com/watch?v=VrLeDZI-EfY
by CaliJim
Sun Mar 24, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 911
Views: 96182

Re: What frugal thing did you do today?

I used a coupon to save 20% off an item at BB&Beyond.
by CaliJim
Sun Mar 24, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1166

Re: yard service questions

It's time for me to hire a yard service. I've never done this. What questions do I need to ask? Lot size 7,635 sqft house about 2000sq feet, 15x30 pool, plus apron. Yard area is all gravel, plus the area between sidewalk and street. two trees, one bush, a couple of cacti, and weeds. I had a man com...
by CaliJim
Sun Mar 24, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2861

Re: Lock Strategy for New House

have your local locksmith or PD come out and give you an evaluation. watch some youtube lock pick videos (IE: Santrap's links) regarding locks you can buy at the local hardware store, typically they are no good at all. i would not recommend ie: masterlock, schlage. your locksmith will have much bett...
by CaliJim
Sun Mar 24, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Please suggest: A forum to discuss relationship problems
Replies: 14
Views: 2245

Re: Please suggest: A forum to discuss relationship problems

you local hospital or county public health department likely has a good social worker outreach group
by CaliJim
Sun Mar 24, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3929

Re: Three Days in DC

I always liked the Bureau of Engraving and Printing tour. Kids get to see where moonaaay is printed and coins are stamped. EZ to walk to from the Mall. IFRC: Close to the holocaust mueseum.
by CaliJim
Sat Mar 23, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Options
Replies: 21
Views: 1696

Re: Stock Options

my humble advice..... minimize regret....sell at least 50% right away then dollar cost average out over the next 12 months. diversify out of non-systemic risk asap. concentrated risk can be a quick wealth builder concentrated risk can be a quick wealth destroyer as well. figure out how to live on le...
by CaliJim
Sun Mar 03, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 8557

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

I dunno. I kind a want more info before understanding if the grass if really greener. It seems your current company have more benefits and perhaps stability. At my company, large healthcare provider, we bring in contractors who are expendible. Don't underestimate the cost of healthcare, retirement ...
by CaliJim
Tue Feb 19, 2019 12:00 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 263479

LBYM

it is not complicated or risky if you live below your means.ignore the jones it i not a competition to I believe in the weak version of the efficient market hypothesis. I don't believe "magic formulas" can reliably juice returns, Swing tradin may work for some, bu I personnally have no interest in r...
by CaliJim
Sat Feb 09, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Amazon third-party item received damaged. No recourse?
Replies: 9
Views: 1200

Re: Amazon third-party item received damaged. No recourse?

I've had mostly good luck w/ the vendors in the amazon market place. apparently the marketplace can be very competitive vendors are beholden to amazon who can quickly down their store fronts if they fall out of line. and that can be devistating to market place vendors who may have significant invest...
by CaliJim
Thu Feb 07, 2019 11:57 pm
Forum: Investing - Theory, News & General
Topic: swing trading
Replies: 28
Views: 3046

Re: swing trading

don't swing trade enron, or gm when it was going bankrupt!that would be bad for net worth. diversity is the only free lunch. great results are flukes. not reliably reproducable. read the literature about actively trade stock mutual funds vs index funds over long periods. last year's hot active fund ...
by CaliJim
Fri Feb 01, 2019 7:32 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 12188

Re: We won the game, went to 50/50, but it just doesn't feel right

How do you react in deep bear markets? How did you the great recession of 2007-2008. Do you have the stomach for a 25% loss in equity valuations? We may be in a similar situation as you, and I know I sleep better with a more conservative allocation 45/55 and perhaps too much (for many hardy stomachs...
by CaliJim
Fri Feb 01, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7580

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

the one BIG thing is you no longer need to save for retirement.... though not saving is a bit of psychological hurdle for some, so I've heard. We save the max in each of our 403b accounts so that's $48K we never saw or spent. Develop your retirement budget from that data, making adjustments for thi...
by CaliJim
Mon Jan 28, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7580

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

everybody is different. the one BIG thing is you no longer need to save for retirement.... though not saving is a bit of psychological hurdle for some, so I've heard. track your spending carefully develop your retirement budget from that data, making adjustments for things that you wont be consuming...
by CaliJim
Mon Jan 28, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 145
Views: 20914

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

are any suggestions for the tool being viewed or passed on to the creator over a mmm? my suggestion would be to model joint outcomes for couples. since women live longer than men on average, and I have an incurable disease that will shorten my life considerably (I have a 'time stamp'.) I suspect we ...
by CaliJim
Wed Jan 23, 2019 4:20 pm
Forum: Forum Issues and Administration
Topic: Forum login problems
Replies: 19
Views: 1145

Re: Forum login problems

Hi: I had the same log-in difficulties very early in the am (when I got home from work). This morning Larry restarted the server and that took care of the problem. regards, Hi Barry, I had the login issue as well. I thought perhaps my password was compromised as I just got a blank screen after inpu...
by CaliJim
Fri Jan 18, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1997

Re: Importance of college summer internships??

Apparently the really cool ones with companies like Nike or Google are ridiculously competitive and she doesn't have a ridiculously competitive resume. I think a good internship is a big step up. My kids struggled to find salaried positions after graduating college because of 'no internships' on th...
by CaliJim
Fri Jan 18, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Results
Replies: 16
Views: 1323

Re: Backtesting Results

abuss368 wrote:
Fri Jan 11, 2019 6:59 pm
justsomeguy2018 wrote:
Thu Jan 10, 2019 9:53 pm

I am 37 years old. I am generally following the current AA, at the moment:

67% U.S. Equity
13% Intl Equity
20% Total US Bond

Thank you
Keep investing simple.
simplicity!!!!! absolutely great advice.
by CaliJim
Wed Jan 16, 2019 12:10 am
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 6621

Re: Who has the highest allocation to international stocks?

what percentage of net profits for US companies comes from international business? Last I remember this being discussed, Jack talks about this in one of his books if I recall correctly, but it has been a while since I've read much of his works. Anyhow, it is a non-trivial percentage. So if you only ...
by CaliJim
Fri Jan 11, 2019 1:02 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 6621

Re: Who has the highest allocation to international stocks?

I like where you are going with your answer. it is very literal. yet it is not quite correct an extremely rich bloke could have more invested in international stocks than many others could have in margin debt. But I like the idea of going with a negative with the AA. -45%/-10%, would that be a 'high...
by CaliJim
Thu Jan 10, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Results
Replies: 16
Views: 1323

Re: Backtesting Results

I started my boglehead education by doing backtesting with Simba's Spreadsheet. Eventually I internalized what others here were saying about unpossibility of predicting the future. There is so much diffusion of results the effort is futility. monte carlo simulation is probably a better way to do it....
by CaliJim
Sun Jan 06, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2569

Re: How often do you deep clean?

keep things relatively clean as you go and full depth cleaning is superfluous
by CaliJim
Fri Jan 04, 2019 11:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: investing Uncomfortably
Replies: 88
Views: 8343

Re: Larry Swedroe: investing Uncomfortably

Jack Bogle wrote "The beauty of owning the market is that you eliminate individual stock risk, you eliminate market sector risk, and you eliminate manager risk. -- In my view, owning the market and holding it forever is the ultimate strategy for winners." The Three-Fund Portfolio Best wishes. Taylo...
by CaliJim
Wed Jan 02, 2019 2:14 pm
Forum: Personal Investments
Topic: lump sum dump vs monthly investment
Replies: 10
Views: 593

Re: lump sum dump vs monthly investment

But if your goal is to minimize your regret, you may wish to dollar cost average into the market over a period of time, perhaps a period of months or a year. I minimize regret the same way Harry Markowitz does. Harry Markowitz won the Nobel Prize for exploring the mathematical tradeoff between risk...
by CaliJim
Wed Jan 02, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: investing Uncomfortably
Replies: 88
Views: 8343

Re: Larry Swedroe: investing Uncomfortably

https://www.etf.com/sections/features-and-news/swedroe-investing-uncomfortably Active management, hedge funds, market timing are not a winning formula. Passively and doggedly spreading one’s bets across the factors that have been shown to provide returns over time can be a winning formula. Conventi...
by CaliJim
Mon Dec 31, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7292

Re: What have you learned this year

I learned how to prove that a parabola is a conic section, using an inscribed sphere tangent to the cone and the cutting plane. To make a parabola, the cutting plane has to be parallel to exactly one generating line of the cone. (The generating lines pass through the cone's apex and its base circle...
by CaliJim
Mon Dec 31, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7292

Re: What have you learned this year

1)don't take your health for granted. it can change at any time.
2)don't ignore aches and pains
3)be prepared for anything
by CaliJim
Mon Dec 31, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1366

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

Do NOT mention any complicated issues such as a lower selling price for a share of the deal, etc. Just meet with the developer and let developer talk - you may find out some good info on what his/her pressure points are. Let the developer make the first purchase price offer, knowing it will be a lo...
by CaliJim
Mon Dec 31, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1366

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

I’m guessing in a community the size of Austin there are only a few lawyers who really knows the lay of the land in something like this. Sure, there will be a lot of real estate lawyers, but not that many with superior insights on how this process really works. The superior ones may have conflicts,...
by CaliJim
Mon Dec 31, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1366

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

How much did she pay for the property in 2015 and is there a house on the property that she is using as her primary residence or is it vacant land? If it is her primary residence she could exclude $250K of gain assuming she is single ($500K if married). If there is a house on the land the developer...
by CaliJim
Fri Dec 28, 2018 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1366

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

hang tough. slow play it. The developer most likely wants the property very very badly. Can you figure out what his economic model is for the property? What building permits he has pulled. Look at the his plans for the adjacent property if you can. Get friendly with a the county planners and buildin...
by CaliJim
Fri Dec 28, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 6068

Re: QE, massive crash, Dow 3000?

Hi, everyone. I am new to investing and I would like to get your thoughts on this. I read a short post suggesting that QE set up an artificial floor to the stock market at Dow 6000. The author suggests that a crash could send the market below that level, for ex to Dow 3000 (=87% decline from curren...
by CaliJim
Thu Dec 27, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9861

Re: What common everyday inconvenience have you intentionally suffered for frugality?

slow computer
slow mobile phone

My life is SO MUCH BETTER after upgrading to faster processors and more memory!
by CaliJim
Wed Dec 26, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 60038

Re: What NON frugal thing did you do today?

7.7 mile hike up to the top (1950 ft), followed by $15 cheeseburger w/ two sides. after the hike, it was best tasting burger ever.
by CaliJim
Wed Dec 26, 2018 8:00 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2446

Re: SITE OFFLINE (Dec 27) Thursday, 2:00 PM Eastern (19:00 UTC) - software upgrade

Thank you for all the time and effort you put in to keeping the site running!!!!!! :D

Support the site. Donate here via paypal or usps mail: https://www.bogleheads.org/support.php
by CaliJim
Wed Dec 26, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1496

Re: Dual coffee/espresso makers

we make due with pour over drip, an old style stove top espresso maker, microwave to heat the milk, and bonjour frother mocha pot: https://www.amazon.com/gp/product/B01M05REJH (like, works well) frother: https://www.amazon.com/gp/product/B00GMDOUHS (finiky on/off switch. sometimes needs percussive m...
by CaliJim
Wed Dec 26, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 2059

Re: Enjoy a lump of KOL

I agree with nisiprius.

I wanted coal, but I got a few good books to read instead.

merry christmas
by CaliJim
Wed Dec 26, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 2059

Re: Enjoy a lump of KOL

Nisi.... thank you for the education.

:P

When I was about 20 or 21, I lost my first significant sum by investing in an active "Natural Resources" fund.... I was thinking "natural resources are finite. finite supply, unlimited demand. It's got to go UP!.

How wrong I was....
by CaliJim
Wed Dec 26, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: Keep Calm and Boglehead On!
Replies: 36
Views: 5748

Re: Keep Calm and Boglehead On!

Keep Calm and Boglehead On! So this is not one of those posts saying “don’t worry the stock market will snap back, buy on the dips.” The market may not come back, or it may not come back for a very long time. Look at the example of Japan. The Nikkei average peaked at 38,000 in 1990. It bottomed out...
by CaliJim
Wed Dec 26, 2018 12:20 am
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 2059

Re: Enjoy a lump of KOL

tadamsmar wrote:
Tue Dec 25, 2018 9:05 am
The coal index fund (KOL) is well into bear territory, looks like a good buy.
OMG

No it does not. Never woukd a sector fund appear in a boglehead port
by CaliJim
Tue Dec 25, 2018 11:56 pm
Forum: Personal Investments
Topic: As of 12/26, should I be in cash?
Replies: 17
Views: 3705

Re: As of 12/26, should I be in cash?

Hello all - I'm a newbie here. I've been using the IBD system, not religiously, for about seven years. I'm 64 years old, and my IRA lost 50% of value during the last recession. Now it's down 22% since August. I'm not a wealthy guy, and I am alarmed about the past two days on the stock market. I sho...
by CaliJim
Tue Dec 25, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6682

Re: Is there any Low Risk 4 % Return

I 've kinda pulled out of the general US stock market until things settle, just wondering if there are places to park your money that are offer a decent return for the short term... in Prime Money Market (VMMXX) is offering 2.4 and Ultra Short Bond (VUBFX) is 2.6 I do not want to do CDs ..... Is th...
by CaliJim
Mon Dec 24, 2018 3:04 pm
Forum: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2458

Re: Anyone rebalancing?

ugh.
Rebalance. Shmalance.
Doing portfolio analysis on christmas eve is not what I wanted to be doing today. Today I'm working on becoming a snowman!!!!
Image
by CaliJim
Mon Dec 24, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 5865

Re: Is there a Nassim Taleb portfolio?

IIRC: Victoria F is a Taleb adherent and investor arhat.

viewtopic.php?t=70092
by CaliJim
Mon Dec 24, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Adrian's Rule Revisited
Replies: 24
Views: 4896

Re: Adrian's Rule Revisited

bump it up
by CaliJim
Mon Dec 24, 2018 11:31 am
Forum: Personal Investments
Topic: Minimizing losses-what if anything are you doing
Replies: 18
Views: 1870

Re: Minimizing losses-what if anything are you doing

Hi Ron, Deep breath. Exhale slowly. Many (Most?) things cannot be controlled. It may be time to reset expectations perhaps? Experiencing one's first market correction is a great learning tool! Sit tight! Stay the course! Follow the instructions! Read the manual in the wiki! The main lesson is: ASSET...
by CaliJim
Sun Dec 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Polyurethane- House STINKS
Replies: 19
Views: 2111

Re: Polyurethane- House STINKS

fabreeze? :twisted: