Search found 3006 matches

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: 5598

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: 5598

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: 11
Views: 855

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 futility of the effort. monte carlo simulation is probably a better way to do...
by CaliJim
Sun Jan 06, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2370

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: 7692

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: Investing - Help with Personal Investments
Topic: lump sum dump vs monthly investment
Replies: 10
Views: 544

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: 7692

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: 6862

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: 6862

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: 1240

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: 1240

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: 1240

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: 1240

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: 5798

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: 9280

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: 407
Views: 58129

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: 2010

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: 1362

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: 1967

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: 1967

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: 5472

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: 1967

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: Investing - Help with Personal Investments
Topic: As of 12/26, should I be in cash?
Replies: 17
Views: 3591

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: 6377

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: Investing - Help with Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2286

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: 4328

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: 4793

Re: Adrian's Rule Revisited

bump it up
by CaliJim
Mon Dec 24, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing losses-what if anything are you doing
Replies: 18
Views: 1783

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: 2008

Re: Polyurethane- House STINKS

fabreeze? :twisted:
by CaliJim
Sun Dec 16, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: which tax software let you insert statement manually?
Replies: 2
Views: 251

Re: which tax software let you insert statement manually?

Turbo tax will let you automatically import statements electronically from the web from the bigger institution, or you can enter the same data manually. (I trust you are not looking to fudge the data!!!LOL) In TT, you can also use interview mode, and/or fill out the forms directly. EZ PZ. I'm not fa...
by CaliJim
Fri Dec 14, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2952

Re: Is it difficult to change a baby's legal name?

I am reminded of a great movie. It has been ages since I've seen it.... but as I remember it: in 'One Thousand Clowns', Unemployed and quirky Murry Burns (played by Jason Robard), is raising his nephew Nick. Murry ask's Nick pretty much daily: "What is your name?" Each day Nick gives a different ans...
by CaliJim
Fri Dec 14, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Is there any market that is not inflated?
Replies: 58
Views: 3786

Re: Is there any market that is not inflated?

According to the Shiller model, the SP500 PE ratio is currently at 21.5 (http://www.multpl.com/). The problem with buying indexes is that you have to buy the bad as well as the good. Can you teach me how to buy just the good companies? "Just buy some good stocks, hold them till they go up, then sel...
by CaliJim
Thu Dec 13, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7433

Re: Is a New Car Okay if Driven 15+ Years?

Sure. Go for it.
by CaliJim
Thu Dec 13, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10634

Re: [Robinhood to launch 3% interest bearing accounts, but is not a bank]

I'm not interested in seeking higher returns on my “working capital”. Chasing higher returns = higher risk. Pretty much always I believe markets are mostly efficient. I’ll let those less risk adverse than I see if this deal is different and risk and return are not tightly correlated. I am suspicious...
by CaliJim
Wed Dec 12, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Qualified Deferred Compensation (NQDC) Distribution Election
Replies: 20
Views: 931

Re: Non-Qualified Deferred Compensation (NQDC) Distribution Election

bluquark wrote:
Tue Dec 11, 2018 10:01 pm
IMO there is little in it for the average employee in these plans and I suspect companies do it primarily to improve their own books.
Isn't deferred comp, in general, a tool to keep good people from leaving the company.... no?
by CaliJim
Tue Dec 11, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

As others have implied, I do not include home equity in calculating asset allocation.

Our home equity is a large pct (~25%) of our networth, but then... our non-house networth is quite a lot too.

We do not plan to sell the house or reverse mortgage to pay for the late retirement years.
by CaliJim
Tue Dec 11, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Qualified Deferred Compensation (NQDC) Distribution Election
Replies: 20
Views: 931

Re: Non-Qualified Deferred Compensation (NQDC) Distribution Election

The correct choice is driven by interest rates in the future when she leaves the company and they annuitize the account. And this is unknowable. Typically, taking the annuity option reduces your future options, control and flexibility. If she takes the lump sum, she can always go annuity shopping on...
by CaliJim
Tue Dec 11, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?
Replies: 23
Views: 2627

Re: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?

.....looking for a good Bond fund to balance my 80/20 retirement portfolio. I want some bonds to reduce volatility, rebalancing, etc. Currently I hold BND, to reduce volatility, etc... IMHO... it is the amount allocated to bond that is more important than the fund. As long as you stick to investmen...
by CaliJim
Tue Dec 11, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Vangurad's 2019 Economic and Market Outlook
Replies: 27
Views: 2890

Re: Vangurad's 2019 Economic and Market Outlook

columbia wrote:
Tue Dec 11, 2018 1:17 pm
One can the parse the unknowable in all kinds of ways.
ding ding ding. winner. best quote of the day!!!! :D
by CaliJim
Tue Dec 11, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff coming in 3-6 months, questions about preparing
Replies: 20
Views: 2587

Re: Layoff coming in 3-6 months, questions about preparing

Brief background : We are DINKs in mid-to-late 30s. 3 months of expenses in liquid E-fund. I will be laid off sometime in the next 3-6 months. My company nor my direct supervisor has told me, but I have mentors/friends that are higher up in the org that have let me know that it's coming. The writin...
by CaliJim
Tue Dec 11, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: investing books for gifts
Replies: 16
Views: 1140

Re: investing books for gifts

yes i have read that list. used it among other resources to come up with my two choices. Three Fund is a great place to start. I wish I had had that book years ago. Would have saved me a lot of time and stress working through slice and dice and various allocations using the back testing attempts (i...
by CaliJim
Tue Dec 11, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: investing books for gifts
Replies: 16
Views: 1140

Re: investing books for gifts

There is a FANTASTIC book list here:

https://www.bogleheads.org/wiki/Books:_ ... t-up_Books

The books by our hero and mentor Taylor and Mel are the BESTLiest. :D
by CaliJim
Sun Dec 02, 2018 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Which direction to go?
Replies: 8
Views: 937

Re: Which direction to go?

Welcome to the forum. ... I'm guessing, that since you are asking the question, you're fairly new to this game. Before you go the Vanguard PAS route - a very decent route, by the way. And relatively low cost - there may be other options. You could try either a target date fund or a target risk (Lif...
by CaliJim
Sun Dec 02, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling wobbly
Replies: 15
Views: 2043

Re: Feeling wobbly

Your allocation is totally reasonable. Your financial advisor's recommendations are totally reasonable. I have a small / mid cap value tilt, but it's not in any way required. Avoiding major behavioral mistakes (selling at the bottom) is far more important than a slightly better asset allocation. Th...
by CaliJim
Sun Nov 18, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781666

Re: U.S. stocks in freefall

LadyGeek wrote:
Sat Nov 17, 2018 9:52 am
Please stay on-topic.
:oops:
by CaliJim
Tue Oct 23, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5260

Re: Failed hard drive(?) data recovery

The debate between NAS and offline isn't an either\or situation. If the data is critical it should be a 'both' situation. Personally I have a NAS that is always on for backups. This gives me frequent, automated backups on a device with multiple drives for data redundancy (Because drives fail - some...
by CaliJim
Mon Oct 22, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 59
Views: 5260

Re: Failed hard drive(?) data recovery

OP here ... Update 2 The hardware check was completed on Friday and didn't reveal any h/w problems with the laptop. Since the SSD had been removed earlier to recover the files, and seemed to check out okay, the h/w tech and I concluded that the problem must have either been unique to the h/w interf...
by CaliJim
Fri Oct 12, 2018 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: michael survivors
Replies: 16
Views: 2086

Re: michael survivors

If anyone knows how Cape San Blas fared, please post. Hi Rupert, Perhaps you can use these as a starting point: https://www.indystar.com/story/news/2018/10/11/hurricane-michael-damage-popular-florida-vacation-destinations-panama-city-mexico-beach/1599340002/ https://storms.ngs.noaa.gov/storms/micha...
by CaliJim
Thu Oct 11, 2018 10:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: michael survivors
Replies: 16
Views: 2086

Re: michael survivors

Hello Taylor, Mel, BH Floridians and others in the hurricanes path. I just saw some video of the devestation @ mexico beach fl. Yikes. Looks bad. Thoughts and prayers for a speedy recovery to you! If you don't have a grab'n'go bag packed.... now is a good time to put one together!!!! https://www.fe...