Search found 2715 matches

by CaliJim
Sun Dec 10, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1436

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: 634

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: 1089

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: 1030

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: 52
Views: 4604

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: 546

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: 391

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...
by CaliJim
Mon Nov 27, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: BSV Bid/Ask Spread [after hours @ schwab]
Replies: 7
Views: 391

Re: BSV Bid/Ask Spread

Thanks for the reassurances... yes... an after hours quote... perhaps broken SW... whatever... I put in a limit of $1.52... should breeze thru in the AM.
by CaliJim
Mon Nov 27, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: BSV Bid/Ask Spread [after hours @ schwab]
Replies: 7
Views: 391

BSV Bid/Ask Spread [after hours @ schwab]

Just now doing the last of the annual rebalancing.... went to place a buy limit order at Schwab... saw this online quote for BSV (Vanguard Short Term Bond ETF) Last: 79.47 +0.02 Bid: 79.45 Ask: 80.90 High: 79.48 Low: 79.40 8:00:00 PM ET $1.43 BID/ASK spread???? Can that be right? That can't be right...
by CaliJim
Mon Nov 27, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: May reach critical mass soon, how do I protect what I have?
Replies: 26
Views: 3166

Re: May reach critical mass soon, how do I protect what I have?

Adding on to where DBR and others were headed with their responses....this link will take you to some excellent material for a man in your situation: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_retirement_planning_start-up_kit Skim the parts you are familiar with, dig in where it is new or conf...
by CaliJim
Sun Nov 26, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: May reach critical mass soon, how do I protect what I have?
Replies: 26
Views: 3166

Re: May reach critical mass soon, how do I protect what I have?

Congratulations! As others have indicated, the primary knob to turn to control risk is the top level Equity to Bond asset allocation ratio. An additional, fine tuning knob, is the duration of the bond allocation. Some folks here have found that having 2 to 3 years in a shorter term bond fund helped ...
by CaliJim
Fri Nov 24, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: recent fire in parent's house - what to do?
Replies: 9
Views: 1198

Re: recent fire in parent's house - what to do?

HI folks, Unfortunately my parents recently had a fire in their house that is going to force their house to be gutted - extensive damage/debris and several areas of house are unsafe or unable to enter as the floor is gone. We're dealing with the insurance company now. 1. Reading online, recommendat...
by CaliJim
Wed Nov 22, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12053

Re: Help DW gets fired, but then next day her boss offers her job back

I’m not an expert in this area so I may be off but it’s possible the company realized they may have violated the law. You wife recently took some maternity leave I assume since you have a 4 month-old. Sounds like your wife is very competent and does her job well. FMLA provides some protections to h...
by CaliJim
Tue Nov 21, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 1181

Re: Temperature setting for radiant floor heat

After reading the several responses to my original post it occurred to me that my cellar is also toasty warm. This would mean a lot of heat is being distributed downward as well as upward. The pex tubing does have a thin piece of metal shield to hold the tubing in place as well as to radiate the he...
by CaliJim
Mon Nov 20, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 1181

Re: Temperature setting for radiant floor heat

So you're pumping a lot of heat into the tubing under your kitchen floor, but it isn't making your kitchen very warm. What is under the kitchen floor (e.g. basement or crawlspace)? Did you install insulation below the tubing to make sure the heat goes up into the kitchen? yes... good question... an...
by CaliJim
Mon Nov 20, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 2034

Re: Overwhelmed and seeking advice for my mother

Here's a question for all posters. I have not thought this through, so at this point it's just a wild idea, but it's clear that mom cannot manage this. The idea is to turn over the 250k to the son (OP) and let him invest and manage it and provide a monthly check to mom when she stops working. Yes, ...
by CaliJim
Mon Nov 20, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 2034

Re: Overwhelmed and seeking advice for my mother

... did you mean whatever money she may hypothetically invest in the Vanguard Life Strategy Income Fund should eventually be withdrawn to pay for an SPIA? (Follow up question - if in the near future she does invest a significant amount of money in one of the Vanguard funds mentioned, can the total ...
by CaliJim
Sun Nov 19, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services
Replies: 2
Views: 538

Re: Vanguard Personal Advisory Services

Hmmm..... I'm not familiar w/ VPAS so I can't speak to that... but I'll throw another option out. If the bulk of your investments are in tax advantaged accounts... maybe you could consolidate to one fund... a Life Strategy fund or Target Retirement Date fund... without Cap Gain consequences. Then if...
by CaliJim
Sun Nov 19, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Portfolio mortgage?
Replies: 2
Views: 244

Re: Portfolio mortgage?

Hi all, I ...am preapproved by two different banks at a highly attractive rate on a 30 year fixed. The property I am looking at has four units-- the first unit is a commercial property. The remainder are residential units. I was informed by my agent as I was about to put in a bid on this property t...
by CaliJim
Sun Nov 19, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 2034

Re: Overwhelmed and seeking advice for my mother

CD's would be OK.. but they would just keep up with inflation. She's 5 to 10 years away from retiring... so I feel she can and should take a tiny bit more risk than being 100 in fixed income (bonds, CDs) I'd suggest she take a certain amount ($25 - $50k???) and put it into a CD for emergencies, then...
by CaliJim
Sun Nov 19, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 50
Views: 3087

Re: Want to build dream workshop/garage, but don't know how to start

I had a feeling SandTrap would chime in. Are you going to build it yourself or hire out the work? Your budget of $50/sq ft seems about OK for a moderate cost of living area, perhaps assuming unfinished and no insulation. Where I'm at... contractors won't even talk to you if that's all you want to sp...
by CaliJim
Sun Nov 19, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 1181

Re: Temperature setting for radiant floor heat

We have hot water radiant under a tile slab. on grade, floor. We use thermostats that measure room air temp, not floor temp. Works great, except my wife is warm blooded. She turns the thermostat down all the time.... and I end up cold.... but then ... that's my nature. Most radiant systems are desig...
by CaliJim
Sat Nov 18, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Need help choosing supplemental retirement plan
Replies: 3
Views: 483

Re: Need help choosing supplemental retirement plan

Hi Everyone, I am new to the board. I want to start out by saying how grateful I am in advance for this resource and for any help you can provide. My wife is a new teacher in Chicago Public School system and we are looking at her investment options with the school district. We apparently only have ...
by CaliJim
Sat Nov 18, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: Good Backtest tool
Replies: 2
Views: 406

Re: Good Backtest tool

Hey - hoping I can get some help here. I'm volunteering for my Church's trust and trying to backtest what would've happened in various scenarios from the mid 90s to the present. All the tools that are out there are limited. Portfolio Visualizer only has data back to year 2000. Simba's tool that I f...
by CaliJim
Sat Nov 18, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: Marijuana stocks
Replies: 11
Views: 1277

Re: Marijuana stocks

you know something everyone else doesn't? what makes you think you got the inside track here? by the time you'd be allowed to invest in some puplic offering... most of the opportunity will have been soaked up by the vulture capitalists and their cronies. also....the latest and greatest thing is not ...
by CaliJim
Thu Nov 16, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Confused!!!! CRCCs or home care..? Help!!
Replies: 12
Views: 1185

Re: Confused!!!! CRCCs or home care..? Help!!

I like the idea of moving in when I'm healthy and active and not having to move again as my health and/or physical abilities decline. My mother strongly endorses this idea. As always is the case, there is a social hierarchy in these communities. Healthier and more able community members find it eas...
by CaliJim
Thu Nov 16, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Confused!!!! CRCCs or home care..? Help!!
Replies: 12
Views: 1185

Re: Confused!!!! CRCCs or home care..? Help!!

My mom has been very happy with the CCRC that she moved into in her late 70's, when she was still driving. She's now 91, going strong and has no regrets. Living in community has been good for her, she is very social. Many old folks live lonely lives trying to age in place. Shop around, ask your doct...
by CaliJim
Thu Nov 16, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 4965

Re: Chain of command

Keep good notes. Document everything and keep a duplicate copy somewhere safe.
by CaliJim
Wed Nov 15, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting of stock in error
Replies: 8
Views: 1050

Re: Gifting of stock in error

You can't unscramble an egg, even if you cracked it by mistake. It can be hard for brokerages to untangle certain types of mistakes. There can be third parties involved who don't care about mistakes. And from the computer systems point of view, a transaction is a transaction and can't simply be dele...
by CaliJim
Wed Nov 15, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Reinv Divs from Separate Property Stock
Replies: 2
Views: 275

Re: Handling Reinv Divs from Separate Property Stock

I'm no expert... but according to the interwebs it seems to vary by state. Looks like you're in Texas.....I just did a brief googleing and found this: http://www.ondafamilylaw.com/property-division/assets/stocks/ IMHO.... I would think it would be better to keep it as simple as you can and not have ...
by CaliJim
Wed Nov 15, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2117

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

Many thanks to everyone who chimed in - such a valuable DIY home improvement forum :D I should have mentioned in the OP that counter space is far too precious to devote it to a microwave. And I'm not dying to make massive revisions to my kitchen only to sell in a few years, so I think I'll replace ...
by CaliJim
Wed Nov 15, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2117

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

Present several options to your spouse.
Let your spouse decide.

:P
by CaliJim
Wed Nov 15, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1206

Re: Managing 401k after Job Change

To start off.... I'd consider rolling the old 401k into a self directed traditional IRA in order to get access to a Life Strategy or Target Date fund/etf. Consolidate that money into one fund with the AA you want, and fogedaboutit for a while. Then you have one less account to rebalance. What's that...
by CaliJim
Wed Nov 15, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How to protect an elderly person?
Replies: 7
Views: 1251

Re: How to protect an elderly person?

It is possible to establish an adult guardianship or conservatorship to protect a person who is incapable of fully protecting themselves. Guardianships and conservatorships require court approval, which implement the legal concept of parens patriae. The guardian or conservator has much more control...
by CaliJim
Wed Nov 15, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2714

Re: Previous employer terminating pension

The last time they offered, Nov 2012, the lump sum would have been $79052. Instead, I planned on taking the $1093/mo at age 65. I'm 58 1/2 right now with no immediate plans to retire yet. Which is best depends in a large part on what the numbers are for the current options but you do not know that ...
by CaliJim
Wed Nov 15, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2714

Re: Previous employer terminating pension

Option 1-B is to DCA into annuitization...taking the lump, then later on, annuitizing a portion of it each year over a series of years. Please don't do this. Insurance contracts include a load for commission and for administrative fees. Why on earth would you want to pay that load multiple times? I...
by CaliJim
Wed Nov 15, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2714

Re: Previous employer terminating pension

things change and i like preserving options if you choose 1, you can buy a treasury or cd with the lump,then annuitize it later IF and WHEN and WITH WHOM you want. If you choose 2 or three, you are starting to get more and more locked in. Will they distribute the lump sum into a 401K? if so, then yo...
by CaliJim
Wed Nov 15, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2832

Re: places to live near Stanford University

You might look into shared housing, rent a room in a house or apartment. IMHO: better to rent close to campus than own something far away and have an insufferable commute. The resources available around the campus area are fantastic, there is lots to do there when you are not working. You don't want...
by CaliJim
Wed Nov 15, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: How to protect an elderly person?
Replies: 7
Views: 1251

Re: How to protect an elderly person?

It is possible to establish an adult guardianship or conservatorship to protect a person who is incapable of fully protecting themselves. Guardianships and conservatorships require court approval, which implement the legal concept of parens patriae. The guardian or conservator has much more control ...
by CaliJim
Tue Nov 14, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 195
Views: 14980

Re: The 4% rule DOES fail but still makes sense!

The reason the probabilities for success change in the two scenarios is that in the first 30 year simulation, a 20% drop in year one has only a fractional probability of happening.

In the second 29 year scenario, that 20% chance of a drop in year one has now gone to 100%.
by CaliJim
Mon Nov 13, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5881

Re: Losing all of your savings.

Sounds like OP needs to address more than just "how to deal mentally" with the investment loss. Sounds more like a whole lifestyle reset is in order. Twelve step programs are highly effective. http://www.gamblersanonymous.org
by CaliJim
Mon Nov 13, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: What is all the recent talk about a bond bubble?
Replies: 22
Views: 2388

Re: What is all the recent talk about a bond bubble?

All the recent talk about a bond bubble is pretty much like the not so recent talk about a bond bubble. :P

https://www.google.com/search?sitesearc ... ond+bubble
by CaliJim
Mon Nov 13, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Is the 4% SWR still valid because inflation is low despite low rates?
Replies: 5
Views: 663

Re: Is the 4% SWR still valid because inflation is low despite low rates?

I'm not an economist... but my intuition is: Since long term returns and inflation are somewhat (?) correlated, the 4% "rule" holds in most inflation rate scenarios. And a conservative approach would be to not be looking for reasons to plan for higher withdrawal rate, but rather to plan for longevit...
by CaliJim
Sat Nov 11, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7814

Re: Do you meditate?

Yes




It is good for nothing.
by CaliJim
Sat Nov 11, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: US All-Share Index Fund Recommendation?
Replies: 2
Views: 359

Re: US All-Share Index Fund Recommendation?

Bump. I don't have an answer. Anyone else? OP.... I take it you're in the UK and you want to use your Pounds to buy a US stock index fund. Most of us here are investing dollars so... we're probably not a good source for this type of info. Doesn't come up much. We don't even talk much about hedging o...
by CaliJim
Sat Nov 11, 2017 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Anton Kreil
Replies: 1
Views: 526

Re: Anton Kreil

I watched a bit of the clip you linked to. Definitely not a boglehead in his approach. Interesting and entertaining. Obviously a good story teller and perhaps a good motivational speaker. I'm not sure I understand all that he was saying, but from his popularity (books, international speaking engagem...
by CaliJim
Sat Nov 11, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Hardship and 401k withdrawal
Replies: 4
Views: 524

Re: Hardship and 401k withdrawal

Welcome to the Bogleheads. Good customer support help is hard to find and those that have been found are often poorly trained. Sorry you ran into this mess. If you haven't done so already, it's time to pull out your 401k plan documents and reread them. The IRS guidelines for 401ks may also help: htt...
by CaliJim
Sat Nov 11, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: "A Year-End Checklist for Retirees"
Replies: 1
Views: 1040

Re: "A Year-End Checklist for Retirees"

Practical things.
Always a good reminder
Thanks Taylor.
by CaliJim
Sat Nov 11, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard alert me when there is a stock spinoff?
Replies: 5
Views: 532

Re: Can Vanguard alert me when there is a stock spinoff?

Hmmm.... did you call Vanguard and ask? I would be surprised if they had such a service. You might look into some sort of online News Clipping service... Some of the Financial apps and web sites will let you enter a portfolio of ticker symbols, and they will show you news headlines for those tickers...