Search found 63 matches

by Caligal
Mon Feb 10, 2020 1:33 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23439

Re: What is the best concert you ever witnessed?

Elton John 1974 Madison Square Garden
Tom Petty 1997 the Fillmore
by Caligal
Wed Jan 22, 2020 10:13 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 22843

Re: Sad news: LadyGeek's husband has passed

I'm so sorry to hear your news. Thank you for your generosity in sharing some of the details.
by Caligal
Sun Sep 22, 2019 4:33 pm
Forum: Personal Investments
Topic: I am being asked to retire. Am I ready?
Replies: 84
Views: 10928

Re: I am being asked to retire. Am I ready?

Another thing to consider - if you take the pension as a lump sum and roll into a traditional IRA - you will probably not be able to perform Roth conversions without paying quite a bit of tax due to the pro rata rule. Plus it looks like you already hold a traditional IRA as well which would add to t...
by Caligal
Sun Sep 08, 2019 5:50 pm
Forum: US Chapters
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 123
Views: 79746

Re: San Jose, CA Area Bogleheads Chapter

I plan to attend - thanks,
CG
by Caligal
Fri Sep 06, 2019 4:03 pm
Forum: US Chapters
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 123
Views: 79746

Re: San Jose, CA Area Bogleheads Chapter

Question: How often are target date funds rebalanced, and are there guardrails or some other mechanism to prevent "over balancing" into a rapidly declining stock market? Is this information proprietary or transparent?

Thanks!

Caligal
by Caligal
Mon Aug 26, 2019 10:35 pm
Forum: Personal Investments
Topic: Woke up in the hospital. Good time for a review
Replies: 20
Views: 5226

Re: Woke up in the hospital. Good time for a review

RadAudit

Sending you positive thoughts for a speedy recovery and a good prognosis for a long life. Your advice and posts are always helpful to me.


Caligal
by Caligal
Mon Aug 19, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7617

Re: Moving from Bay area, CA to Knoxville, TN

I would also factor in gun laws. Very different between California and Tennessee. While far from perfectly safe, California is rated #1 by the Giffords Law Center on the strength of current firearm laws. We moved to a medium sized southern city in the 90's for financial and family reasons but boomer...
by Caligal
Thu Jun 20, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 171
Views: 24353

Re: What have you baked recently?

Hi - I would try a different recipe/technique. Find a copy of Peter Reinhardt's Artisan Breads Every Day, or a recipe by Nancy Silverton, Beth Hensperger, Bernard Clayton (or another bread "expert") - one that creates a sponge and has the right hydration. Then you could play with adapting it to your...
by Caligal
Tue May 07, 2019 2:29 am
Forum: Personal Consumer Issues
Topic: Where to Buy an Area Rug in a Particular Color
Replies: 7
Views: 820

Re: Where to Buy an Area Rug in a Particular Color

If you are looking for something simple (no pattern), try a flooring store that sells carpet. Most will make an area rug of any size from wall to wall type carpet (and there are alot of color choices) and have various choices for binding. I had a rug made of New Zealand wool in an odd size (7x7) wit...
by Caligal
Fri Mar 15, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4645

Re: 2 days in New York City

Just went to the Colbert Show (you do need tickets and it does take a chunk out of your day), the Highline, WTC/museum, walked over Brooklyn Bridge and walked miles and miles a day in NYC last year. Many previous visits included the Met, Natural History, MoMa, Guggenheim, Frick, Cloisters, Central P...
by Caligal
Fri Jan 18, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2334

Re: Curry Powder?

Try Penzy's (locations across the country or online) or Kalustyan's (Manhattan or online) for high quality and fresh spices and spice mixes.
by Caligal
Wed Jan 16, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58927

Re: John Bogle, who founded Vanguard and revolutionized retirement savings, dies at 89

Thank you Mr. Bogle. My thoughts are with his family and friends.
by Caligal
Tue Dec 25, 2018 1:07 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12869

Re: My Christmas Present To You

Have a wonderful trip with your family and friends. Thank you for sharing your story with the Bogleheads.

Peace
by Caligal
Fri Dec 14, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5852

Re: Forgoing health insurance

Not a good idea.
by Caligal
Thu Jul 12, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 23315

Re: COMING SOON: BOGLEHEADS PODCASTS

Boglehead Blasts

Although so far I tike Talking Bogleheads....
by Caligal
Wed Jun 20, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14466

Re: Retire at 50: Should I?

Not to derail this post - in fact - good luck to the OP on the decision to retire! Great job on your financials and having the choice to leave the workforce at a young age. Happy fishing. If Marcopolo is still around - I don't disapprove of anyone's personal decision on what risks to consider when r...
by Caligal
Wed Jun 20, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14466

Re: Retire at 50: Should I?

If I may - marcopolo We are at a somewhat unstable time for the early retiree when it comes to the future of health insurance - both in terms of affordability and availability. While bogleheads delight in running monte carlo simulations and spreadsheets and debate endlessly how much is enough, the f...
by Caligal
Tue Jun 19, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 2198

Re: Retirement spending/ HCOL areas?

Interesting reply from Curmudgeon - our baseline is about $6K higher, then add in taxes ($9k) and medical ($20k) not using ACA unless necessary - for a total of $80k, which we expect will go down after turning 65 (Medicare). Then add travel, reserves (new car funds, home repair/remodeling, etc), and...
by Caligal
Sun Jun 17, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 2198

Re: Retirement spending/ HCOL areas?

We are mortgage and debt free and live in HCOL area. Property taxes not too bad due to Prop 13. State income tax is progressive so not cheap but not the highest. We plan to retire next year and our largest line item will be medical costs prior to Medicare - about 25% of our needs budget. We have the...
by Caligal
Wed Jun 06, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 966
Views: 129275

Re: How much money do you want to retire?

For Homer - 100 miles up or down the coast, give or take - $500k price range. Saving a ton of money is inaccurate - but otherwise I agree that if you are willing to leave California, there are many options of nice places to live. Minus the weather. https://www.zillow.com/homes/for_sale/Geyserville-C...
by Caligal
Sun May 27, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 171
Views: 24353

Re: What have you baked recently?

Thanks to a previous poster - have a Cook's Illustrated chocolate sour cream bundt cooling on the countertop - which I will serve with a mixed berry compote. It smelled like the best brownies while in the oven! Ribs (coated with a spice rub) in the oven baking low and slow to be finished off on the ...
by Caligal
Tue May 08, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3930

Re: Happy 89th birthday to [Jack] Bogle

Happy birthday, Mr. Bogle -
sincerely,
A fan in California
by Caligal
Fri May 04, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 171
Views: 24353

Re: What have you baked recently?

Lady Geek "The best bread for thin-slicing is called pain de mie, a butter- and milk-rich loaf baked in a special lidded pan (often called a Pullman pan). The lid ensures that the baking bread won't expand too much, keeping it very close-grained — and thus totally non-crumbly, and easy to slice." - ...
by Caligal
Fri May 04, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 171
Views: 24353

Re: What have you baked recently?

Lady Geek If I may...reading blackjack's post - he/she never mentions putting the lid on so that possibly changed the results. Maybe blackjack is using the pan in lieu of a regular loaf pan? That being said, 5 cups is the amount of flour used in a 13" pullman pan in a traditional pain de mie recipe ...
by Caligal
Thu Apr 26, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 3178

Re: Family trip, Southwest USA

+1 Bandelier National Monument for the Anasazi caves

The Bradbury Science Museum in Los Alamos - very much worth a visit to learn about the Manhattan Project

In Sante Fe - restaurants Geronimo and Cafe Pascual, all of the galleries on Canyon Road, Georgia O'Keefe Museum
by Caligal
Thu Apr 26, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 171
Views: 24353

Re: What have you baked recently?

Hi Elsebet Please have a look at these babka recipes - the KAF version is rather anemic compared to what babka should look like. I am enjoying your posts and have been inspired to try the dutch oven breads! Happy baking! Caligal This first one is a blogger's take on a great Martha Stewart recipe - w...
by Caligal
Wed Apr 11, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 51041

Re: Name something you bought that wasn't cheap and glad you did

House in Northern California

Kitchenaid 6 qt. stand mixer
by Caligal
Sun Apr 23, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 4769

Re: Buying a home in the Bay Area

mmmodem - You must not live in the Bay Area. San Leandro McMansion for $700K? https://www.redfin.com/CA/San-Leandro/295-Oakes-Blvd-94577/home/531910 Afoowithmoney - We bought our first home in the Bay Area with far less in the bank than you have. It worked out. The commutes keep getting worse and no...
by Caligal
Wed Mar 15, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 38413

Re: Early Retirement - what to do about healthcare?

Move to Panama or another country where you can get healthcare at a lower cost than in the US - we know someone who actually did this. I doubt there is a number at this point that you can use to calculate future health care expenses. Prior to the ACA - insurance companies could deny you coverage bas...
by Caligal
Tue Feb 07, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 4612

Re: Napa/Sonoma Recommendations

Napa has become sort of the Disney of the wine world - it can be very crowded and very touristy. Tasting rooms packed, no wine makers on site to educate you on their wines and inferior pours unless you ante up for the reserves or join a wine club (which everyone will try to sell you). That being sai...
by Caligal
Fri Jan 27, 2017 12:28 am
Forum: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 17085

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday to you, Taylor. Thank you for being so generous with your insight.
by Caligal
Mon Jan 23, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Jackson Hole in July?
Replies: 16
Views: 3256

Re: Jackson Hole in July?

Hi - We went to Jackson Hole in the summer of 2015 - here are some of our favorites - Snake River Brewing - very family friendly, lively and great food Jackson Hole Eco Tour Adventures - on the expensive side but we had a great tour and learned quite a bit about the area, the history and the wildlif...
by Caligal
Mon Jan 16, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5123
Views: 1311647

Re: What Movie Have You Recently Watched?

Just saw Lion. Wonderful - worth seeing at the theater.
by Caligal
Fri Nov 04, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 3280

Re: Visiting San Francisco

Disney Family Museum (in the Presidio near GG bridge) waltdisney.org

Exploratorium (Pier 15) exploratorium.edu

sea lions (Pier 39)

All very family/kid friendly! Have a nice time.
by Caligal
Thu Oct 06, 2016 6:58 pm
Forum: US Chapters
Topic: Hurricane Matthew
Replies: 61
Views: 12664

Re: Hurricane Matthew

I remember the shock of seeing devastated neighborhoods and multi-story buildings with the entire sides ripped off (like looking at a doll house) after Hurricane Andrew ripped through Homestead/Miami. Our friends who lived somewhat north lost all of their landscaping as well as half of the roof. The...
by Caligal
Wed Sep 21, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 6280

Re: Chicago Food/Restaurant Recommendations

Hoosier Mamma Pie Company
Joe's Stone Crabs
by Caligal
Wed Sep 21, 2016 12:10 am
Forum: Personal Investments
Topic: Is a 4.3% ROI a reasonable expectation?
Replies: 11
Views: 2488

Re: Is a 4.3% ROI a reasonable expectation?

My approach- just invest as wisely as you can and let the chips fall as they may. They will anyhow.

Welll said!
by Caligal
Sun Sep 18, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 267
Views: 70478

Re: Do you really need 2.5 million to retire well?

Nova1967 - There were 14000000 (14 million) people aged 65-69 in the US according to the 2012 census. The net worth percentile rank you posted was for age 65 - 70. 10% would be 1.4 million or less than .005 of the entire US population at that time. Quite believable. Someone has to keep all of the ad...
by Caligal
Fri Sep 02, 2016 1:12 am
Forum: Personal Consumer Issues
Topic: Bay Area hotel?
Replies: 18
Views: 2135

Re: Bay Area hotel?

The Claremont is very nice - in a safe area but very residential. About 1/2 mile from Elmwood (a neighborhood with shops/restaurants/coffee bars). You will have to Uber or cab to other areas - although I am sure buses must run nearby.
by Caligal
Thu Sep 01, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Bay Area hotel?
Replies: 18
Views: 2135

Re: Bay Area hotel?

The Marriott or Marriott Courtyard in downtown Oakland are near a BART station and within walking distance to some really good restaurants and nightlife. Buses run up and down Broadway. Ferry nearby at Jack London Square.
by Caligal
Thu Sep 01, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: retirement readiness = residual living expenses + funding the gap?
Replies: 56
Views: 9892

Re: retirement readiness = residual living expenses + funding the gap?

In running #Cruncher's PV calculator/spreadsheet, I used the total projected amount that we would like to spend during the "gap" years (about 1/2 discretionary after taxes) - pensions. After 70 - the RLE is the amount we project spending will be (adding in about 3% per year for inflation during the ...
by Caligal
Thu Sep 01, 2016 1:53 am
Forum: Personal Finance (Not Investing)
Topic: retirement readiness = residual living expenses + funding the gap?
Replies: 56
Views: 9892

Re: retirement readiness = residual living expenses + funding the gap?

I remember reading this article. My takeaway was save more than 17 or 20 x RLE (no matter what age) in the event of a period of poor performance (or several RBY during a decade or so) - and have a reasonably conservative asset allocation for the final amount you have saved as well as adjusting it fo...
by Caligal
Thu Sep 01, 2016 12:41 am
Forum: Personal Finance (Not Investing)
Topic: retirement readiness = residual living expenses + funding the gap?
Replies: 56
Views: 9892

Re: retirement readiness = residual living expenses + funding the gap?

Thanks freebeer for the original question - I'm no math whiz. I read through Cruncher's spreadsheet several times. What doesn't make sense to me is the RLE x 17 at age 70 being sufficient to fund retirement until age 100 (or 30 years). Bernstein's numbers indicate a 4/5/6% withdrawal depending on th...
by Caligal
Mon Aug 29, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 4418

Re: Hawaii anniversary trip suggestions

Hi We have been to Maui several times. Always something new to see or do, or just relax and get into the island spirit. http://mauiguidebook.com/things-to-do/the-basics/bucket-list-60-things-to-do-maui/ We were able to stay at the Four Seasons (soon after 9/11) at a once in a lifetime rate. Very qui...