Search found 3026 matches

by CaliJim
Wed Sep 12, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 62
Views: 6054

Re: Any reasons to not put money down for a Tesla Model 3?

I just want to resurrect this thread for a moment to say one thing: I LOVE our new Tesla Model 3. It is the best car I have ever owned. ever. hands down. I had a bmw 740i for a while. That had been the 'nicest car', but no longer. BMWs don't hold a candle to this car. Fun to drive. Rock solid, impec...
by CaliJim
Wed Sep 12, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Isn't cap weighting less diversified than equal weighting?
Replies: 72
Views: 3870

Re: Isn't cap weighting less diversified than equal weighting?

$1000 on Apple is not the same as $1000 on some tiny micro-cap. In the first case you are getting ~0.00000001% ownership, and in the second case you are getting 0.01% ownership. That isn't 'diversification', that is tilting towards micro-caps. "Putting the same amount on each opportunity" ...
by CaliJim
Wed Sep 12, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 3050

Re: Utility usage way up

Another shot in the dark: is your hot water usage up? Look at your water usage in general for the two months you are comparing. Maybe you used more water... and hence more hot water. It takes a lot of energy to heat water. Any new kitchen appliances, computers, routers, etc? Instapot, Tea Kettle. Us...
by CaliJim
Wed Sep 12, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 3229

Re: Anyone into Essential Oils?

I like to add Tea Tree Oil to my Dr Bronner's. I like the way it smells. It is against the forum rules to give medical advice... but I'll just say that if essential oils cured allergies... doctors would prescribe it.... and many medicines are based on plants.... so who knows. Maybe have her ask her ...
by CaliJim
Wed Sep 12, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2527

Re: 401k "advice" to my associates

Keep your messages simple. They know how to google and find info on the web when the time comes Just make is clear that you encourage everyone to participate and make sure they understand how it works. Points I'd make in your shoes: 1) surprised that participation in the plan is a low as it is, and ...
by CaliJim
Wed Sep 12, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: House eaves color
Replies: 7
Views: 672

Re: House eaves color

We have tall windows that expose the eave color when looking out into the garden. So... we painted our eaves the same color as our ceilings inside so that they would blend and disappear. In some locals, the tradition is to paint eaves and porch ceilings a nice light 'sky blue'. Or... paint them the ...
by CaliJim
Wed Sep 12, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: Isn't cap weighting less diversified than equal weighting?
Replies: 72
Views: 3870

Re: Isn't cap weighting less diversified than equal weighting?

How do you define "diversification"? Equal weighting results in higher trading costs (more turnover), and results in a greater percentage of ownership of smaller companies. If you want more "diversification", maybe you should look into slicing and dicing (diversification) across ...
by CaliJim
Mon Sep 10, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 5135

Re: I found this informative about the next possible crisis

Thank you for posting. I hadn't heard of CLO's before.

The author IS a journalist, but not all journalists are idiots, and he clearly knows more about how the sausage is made on wall street than I do.

**and I'll keep my cranky old man cynical thoughts to myself**
by CaliJim
Mon Sep 10, 2018 9:54 pm
Forum: Personal Investments
Topic: Investing in 5G Wireless
Replies: 46
Views: 3459

Re: Investing in 5G Wireless

Err mah gerd. NO. Just NO!

Diversity is your friend. It is the only free lunch. Buy and hold stock index funds and don't try to be a stock picker.

Index funds outperform active management.
by CaliJim
Mon Sep 10, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: What Matters to Individual Investors? Evidence from the Horse's Mouth
Replies: 6
Views: 1169

Re: What Matters to Individual Investors? Evidence from the Horse's Mouth

Paywall... so couldn't read the paper. However.... I'll comment: This is a special place.... what is common sense around here is not common in the wild. Natural selection has not resulted in humans having an innate ability for passively investing in stocks and bonds. Rather, the human brain gives us...
by CaliJim
Sun Sep 09, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Short Term Market Uncertainty - "Buy" Insurance?
Replies: 33
Views: 2319

Re: Short Term Market Uncertainty - "Buy" Insurance?

I shortened the duration of a good portion of my bond holdings back in January. It was part of a strategy to expand our more liquid investments, our 'emergency fund', from 6 mos to 3 years worth of expenses. (But I'm not talking about buckets of money! lol) I want to reduce the temptation to sell at...
by CaliJim
Wed Sep 05, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Home-spun Weed Killers
Replies: 21
Views: 1799

Re: Home-spun Weed Killers

I recently learned that commercial interests have had a large impact on what we consider to be a weed. Clover and dandelion use to be just dandelions and clover. Then, when chemical products became widely available to 'combat them', they became 'weeds'. https://www.thespruce.com/no-respect-for-clove...
by CaliJim
Tue Sep 04, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4924

Re: The future of my journals and logs

pondering wrote: Tue Sep 04, 2018 9:30 am Does anyone have an estimate in time or money for how much it will cost to scan 100 pages?
Borrow or rent or buy one of these:

https://www.amazon.com/Fujitsu-ScanSnap ... B01G3JYVYM
by CaliJim
Mon Sep 03, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Word document format/numbering question
Replies: 6
Views: 773

Re: Word document format/numbering question

If staying in Word: Manually reset the paragraph number after each deleted paragraph. Use the "Set Numbering Value" in the Home | Paragraph | Number Paragraph drop down menu. Footnote numbers can similarly be controlled in the "footnote and endnote" menu I assume you are familiar...
by CaliJim
Mon Sep 03, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4924

Re: The future of my journals and logs

Type them up. Embellish them. Become the most fascinating man on your block.

Self publish them on Amazon for $419.99

Write up some fake positive reviews and then have friends and family post them.

More than a few people will buy a copy.
by CaliJim
Mon Sep 03, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2580

Re: First Time Poster: Are Rental Properties Worthwhile?

Welcome to the forums. A wise man once said "buy real estate. never sell it" Another wise man said: "owning rental property is a business. it is not a passive investment" Nobody knows what the future holds for either mutual funds or residential rental properties. I like the idea ...
by CaliJim
Mon Sep 03, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 7440

Re: 100% Bonds to boost returns?

Nobody knows nothing. Don't time the markets. Stay the course. I'm confident that businessmen will find a way to outperform bonds in the long run. And in the short run I have no clue. I think an asset allocation between 75/25 and 25/75 is good for most, and for me, I'm comfortable hovering in the mi...
by CaliJim
Mon Sep 03, 2018 9:42 pm
Forum: Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2471

Re: Advice for an 87-year-old?

My father (87) has over $150K in a checking account right now, and I'd like to get him into something more appropriate. Personally, I think this is a VERY APPROPRIATE PLACE to have some cash. At 87, keep it SIMPLE. He's healthy right now, and can live off his other small but adequate retirement inc...
by CaliJim
Sat Sep 01, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in Uranium???
Replies: 48
Views: 3587

Re: Thoughts on investing in Uranium???

In the early 1980's, I made my first for many payments in my investing education by losing more than I could afford in a Natural Resources sector fund. "They ain't making any more Natural Resources. The world is finite. This is a sector that MUST go up in value". Little did I know. Haahaah...
by CaliJim
Thu Aug 30, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945380

Re: U.S. stocks continue to soar!

We need an update frequency chart. Anyone have the scripting chops to pull dates of posts from these two threads and update a speadsheet? Here's a quick chart: http://drive.google.com/uc?export=download&id=1tuaiEQTkTI3n0APv8KkieZ8zpGxmT-5r https://drive.google.com/file/d/1yV_BgGfJvW4yt5HwajZYpF...
by CaliJim
Wed Aug 29, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4927

Re: Bone in my food

eww. better get dna test done on that. chicken bone or rat bone?
by CaliJim
Tue Aug 28, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15868

Re: Shingrix [Vaccine availability]

Woodshark wrote: Tue Aug 28, 2018 5:18 pm
HueyLD wrote: Mon Aug 27, 2018 5:41 pm Does one have to be at least 65 to get the insurance to pay for this vaccine?
Not always. I'm 57 and my wife is 53. Blue Cross/Blue Shield covered ours at 100% as it is preventative.
I paid $0. Anthem PPO... ($0...except for the $700/month insurance premiums!)
by CaliJim
Tue Aug 28, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945380

Re: U.S. stocks continue to soar!

Anyone have the scripting chops to pull dates of posts from these two threads and update a speadsheet? I don't think I can do it in COBOL 74 or 85. Um, do you even have a computer that runs COBOL?? :shock: (I guess I’m old, I actually know what COBOL is. :| ) Yes, and so do you. COBOL is still a su...
by CaliJim
Mon Aug 27, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2503

Re: How do you make use of this boglehead.org?

How I use it has changed over the years.

After reading the books, the wiki, digesting and internalizing the teachings.... my portfolio is now on IPS auto-pilot.

So now I come here for the humor and to talk about fixing leaky basements.
by CaliJim
Mon Aug 27, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12238
Views: 945380

Re: U.S. stocks continue to soar!

For those who keep score: "U.S. Stocks in Freefall" has 6,792 posts and "U.S. stocks continue to soar" has 15. I would say that "stocks continue to soar" has a long ways to go. Edit: We are up to 16 now. :wink: We need an update frequency chart. Anyone have the scripti...
by CaliJim
Mon Aug 27, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15868

Re: Shingrix [Vaccine availability]

I went through the waiting list deal for my second shot at CVS. Since I was approaching the 6 month window....I finally went in to CVS and asked the pharma-tech to call other stores to see if anyone had it in stock. Shonuf...he found me a shot at CVS in the next town over. 1hour later. done. but OMG...
by CaliJim
Mon Aug 27, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11964

Re: I own 1,387 items!

Before we moved the last time, I counted that we had seating for 36+ people. We've never had more than 20 in the house at the same time. Needless to say, some chairs disappeared during the move process. My spouse has not noticed. Phew. Dodged a bullet.
by CaliJim
Mon Aug 27, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Help with basement issues
Replies: 16
Views: 1746

Re: Help with basement issues

Check with your neighbors and see if they have had issues too, and if so, have any of them solved it. If so, what did they do. Also, talk to a reputable contractor and civil engineer. Here is a list of approaches from https://www.houselogic.com/by-room/basement-attic/fix-wet-basement/ 1. Add Gutter ...
by CaliJim
Sun Aug 26, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2880041

Re: U.S. stocks in freefall

The crash is coming! Just you wait. My neighbor told me he recently totally pulled out of the market and purchased real estate in Hawaii with the proceeds. You have been warned! :twisted:
by CaliJim
Sun Aug 19, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4420

Re: How do you pay for purchase of a vehicle in retirement?

I needed to rebalance, so I sold some of my TSM fund.
by CaliJim
Wed Aug 15, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 3214

Re: Discarding dead cell phone without purging my data

remove battery and KILL IT WITH FIRE

(ie: propane torch, in a well ventilated non-flamable area....back patio on a breezy day))
by CaliJim
Wed Aug 15, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 4559

Re: Where to buy white, athletic fit dress shirt?

Athletic fit? I didn't know that was a thing. Had to google it. Yup. It's a thing.
by CaliJim
Wed Aug 15, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Investment Policy Statement
Replies: 61
Views: 3820

Re: Trust Investment Policy Statement

afan wrote: Tue Aug 14, 2018 10:15 am ...Index funds use these routinely to better match their benchmarks. One would not want to come up with something that could make it impossible to invest in an index fund....Did you propose this to more than one bank?
Thanks for the suggestion.

Just one. WF
by CaliJim
Mon Aug 13, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 5357

Re: Most Effective Rat Poison

Rat poisons around here have been killing the bobcats that eat the rats that ate the poison. My neighbor found 2 dead ones and one almost dead. +1 that has happened around here too. last year were were greatly dismayed to see a bobcat in distress by the side of a trail. the ranger we talked to said...
by CaliJim
Mon Aug 13, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Investment Policy Statement
Replies: 61
Views: 3820

Re: Trust Investment Policy Statement

This may or may not work. Thanks. I get it. I was torn between making the language too restrictive, in which case the commercial trustees would decline to serve, and giving no guidance what-so-ever, which is like throwing money into the wind. With any luck... we will live long enough that our scion...
by CaliJim
Mon Aug 13, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Investment Policy Statement
Replies: 61
Views: 3820

Re: Trust Investment Policy Statement

Here are some snips from the IPS we included as an appendix to our trust docs. We had it reviewed by the bank's trust department. What did the bank's trust department say? Did they have it reviewed by their legal department? Did they provide any formal response (written or otherwise)? Does you trus...
by CaliJim
Mon Aug 13, 2018 4:22 pm
Forum: Personal Investments
Topic: Vanguard Investment strategies for already retired
Replies: 9
Views: 1214

Re: Investment strategies for already retired

Hello: I am a retired teacher, age 54. I would be interested in investment strategies for someone already retired. I have a full pension and bring home about 4K per month. I have no debt and one rental property that nets 1K per month. I just put 11K in VTSAX. I have about 30K in a TIAA403b and 2K i...
by CaliJim
Mon Aug 13, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Investment Policy Statement
Replies: 61
Views: 3820

Re: Trust Investment Policy Statement

Here are some snips from the IPS we included as an appendix to our trust docs. We had it reviewed by the bank's trust department. "Purpose The purpose of this document is to set investment guidelines to be followed by the Trustee and any investment managers involved in the administration of the...
by CaliJim
Mon Aug 13, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 7434

Re: Experian email alert! "Your score decreased"

IMHO these letters are just Marketing. Ignore them.
by CaliJim
Mon Aug 13, 2018 3:10 pm
Forum: Personal Investments
Topic: 61 Year old in need of advice
Replies: 14
Views: 1709

Re: 61 Year old in need of advice

Hmm. You haven't given us much to go on... but IMHO... retirement (semi or othewise) doesn't look promising at this point. Sound's like your dad is in the retirement red zone. Search this web site for "SPIA" and "OTAR" then read all you can. He should not be taking much risk. You...
by CaliJim
Sun Aug 12, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Refinishing Exterior Stucco
Replies: 8
Views: 930

Re: Refinishing Exterior Stucco

Keep it simple.

Have a professional powerwash, prep, and repaint it.

Offer a discount equal to the cost of sandblast and re-stucco, if any potential buyer starts to nit-pick

My $0.02
by CaliJim
Sat Aug 11, 2018 10:54 pm
Forum: Personal Investments
Topic: Investment Projection Software?
Replies: 3
Views: 497

Re: Investment Projection Software?

Search for “Monte Carlo retirement calculator”
And you might find something suitable
by CaliJim
Fri Aug 10, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3597

Re: 1024.99 for a book. Why?

Scams to earn credit card points?

I buy your one book for $1024, you buy my two books for $512/ea.

??
by CaliJim
Tue Aug 07, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 2371

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

OK. Whelp... on the IRS web site I found this: https://www.irs.gov/newsroom/if-you-receive-an-irs-notice-heres-what-to-do "1)Don’t panic." LOL "3)...If you don’t agree with the correction the IRS made, it’s important that you respond as requested. Respond to the IRS in writing to expl...
by CaliJim
Tue Aug 07, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 2371

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

Did the letter say anything about how to respond if you disagree with their findings?
I would assume you need to file an amended return.
by CaliJim
Tue Aug 07, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5934

Re: Maui Hawaii Trip - How to save money?

heyyou wrote: Mon Aug 06, 2018 7:58 pm Anywhere in Hawaii, my wife would rather eat yogurt topped with macadamia nuts (sometimes with shredded coconut) served in half of a cleaned, ripe papaya, than any cooked breakfast, either at our lodging, or in a restaurant where it is likely on the menu.
OMG. That sounds delicious.
by CaliJim
Sun Aug 05, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5934

Re: Maui Hawaii Trip - How to save money?

Um... don't stay at the Hyatt??? +1 re Costco. Eating-in will save you a bunch. Agree before-hand on the plan, how many meals you will eat out, what things you will shop for when you get there....so there is no confusion and contention after a long plane ride. Get a cheap cooler when you get there a...
by CaliJim
Sun Aug 05, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 8465

Re: The stock market is shrinking.

A bit of a change in topic.... but.... regarding SOX is expensive and therefore bad for investors.... I think this is bit of a red herring distraction. My thoughts on SOX: As a passive investor with former SOX and internal controls experience... in the long run... SOX is good for investors. SOX is a...
by CaliJim
Thu Aug 02, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 10422

Re: Car price ratio to NW

When I was 22, my net worth was teeny tiny. All I had was income, car, car loan, rented apartment, knife fork, fry pan, futon, and clothes to wear to work. So... my car was, like 99% of my net worth. But I had to have a car to get there... because work was in the nice side of town, and I lived in th...
by CaliJim
Wed Aug 01, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 9
Views: 2800

Re: Matter-scatter, part 4: Bond allocation

So... you are reconfirming that top level stock to bond allocation matters a lot. Well done! Thanks. Your charts do not make clear what happens during draw down, and some folks might come to the wrong conclusion. People sometimes overestimate their risk tolerance based on the historically better lon...