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Re: What's your average ER? [Expense Ratio]

Until I read all the previous posts, I thought I was doing exceptionally well with .11
by tigerman3
Tue Mar 03, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7161

Re: I'm thinking about making very large 529 contributions A

I've already got enough for 4 years of my daughter's college. I was contemplating funding post-grad, but that's speculative and I was warned by a friend to not over fund.
by tigerman3
Fri Jan 23, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 76
Views: 6343

Re: What is your commodities stocks/indexes allocation?

About 4% in IAU (gold etf) as a theoretical inflation hedge though I'm well aware of the arguments against.
by tigerman3
Thu Jan 22, 2015 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: What is your commodities stocks/indexes allocation?
Replies: 20
Views: 1078

Re: Am I making a mistake being too conservative?

There are two themes I like from the previous posts. The first is that if you look at the efficient frontier charts you will see little significant difference between allocations between 60/40 and 40/60 and anything in between is generally considered a reasonable allocation. The second is that the c...
by tigerman3
Thu Jan 22, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7725

Re: What percent "Boglehead" are you?

I echo the previous response. About 50%, but getting better all the time.
by tigerman3
Thu Jan 22, 2015 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10468

Re: How Many Credit Cards do you have?

Recently I downsized my cache of credit cards, realizing that it was just causing unnecessary complication. So I'm down to two personal Visa cards, and two personal Amex cards. I also have two work related cards (Visa and Amex). For a long time I was worried about hurting my credit by cancelling car...
by tigerman3
Thu Jan 22, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 85120

Re: SF Bay Area Personal injury lawyer recommendation needed

. Good luck in retirement. Best regards. I haven't ridden off into the sunset quite yet, John. In part because I still like the law. In part because I have no hobbies :confused ABOTA (American Board of Trial Advocates) is as close as I ever get to such a reunion. And even then, I don't get to enoug...
by tigerman3
Thu Jan 22, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Personal injury lawyer recommendation needed
Replies: 7
Views: 578

Re: SF Bay Area Living Trust Attorney Recommendation

I'm a Bay Area lawyer. I don't do this kind of work, but I know several who do. Disagree that anyone should set up their own living trust or use a one size fits all kit. Usually it is part of a more comprehensive probate plan which includes a will or other testamentary instrument. If you want to PM ...
by tigerman3
Thu Jan 22, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Living Trust Attorney Recommendation
Replies: 16
Views: 905

Re: SF Bay Area Personal injury lawyer recommendation needed

I'm a PI lawyer in the SF area. Until recently, I was for many years on the board of directors of the San Francisco Trial Lawyer association. I was also on the board of directors of the California Trial Lawyers Assn. I'm trying to semi-retire or at least slow down, so I don't handle many such cases ...
by tigerman3
Thu Jan 22, 2015 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Personal injury lawyer recommendation needed
Replies: 7
Views: 578

Re: Backyard Spa

I live in a climate where it is cold and foggy much of the time. If i didn't have the spa, I wouldn't use my backyard a lot of the time. Extra cost for me included pouring a concrete slab and upgrading to 220V. Together, these added about 2K to the total expense. I bought a Sundance spa and paid mor...
by tigerman3
Sun Dec 28, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Backyard Spa
Replies: 19
Views: 2275

Re: Documentaries to recommend?

Probably have to take it with an Oliver Stone grain of salt, but I really enjoyed Untold History of the United States.

http://en.wikipedia.org/wiki/Oliver_Sto ... ted_States
by tigerman3
Sun Nov 30, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 128
Views: 15458

Re: What percent "Boglehead" are you?

About 50%, but growing as time goes on.
by tigerman3
Tue Nov 25, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10468

Re: How To Invest Your Emergency Fund?

I have a 5 year CD ladder with low EWPs. On the front end of the ladder I have a high yield savings which pays 1%.
by tigerman3
Sun Nov 16, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 15536

Re: CA int municipal bond fund vs. Vanguard int muni fund

I hold both. CA Intermediate and national limited duration. The latter is to temper interest rate and state specific risk.
by tigerman3
Sun Nov 16, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: CA int municipal bond fund vs. Vanguard int muni fund
Replies: 32
Views: 3307

Re: How many Accounts do you log into and how do you manage?

I have about 190 passwords stored in my encrypted password security program. I use about 30 per month on average.
by tigerman3
Thu Aug 07, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 3165

Re: Options/guidance for a lazy person to be fit

I second the mentions of Fitbit and MyFitnessPal. I bought a recumbent stationary bike and a Withings Wifi scale as well. I lost about 30 lbs in 9 months.
by tigerman3
Sun Jul 20, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 7317

Re: TV show recommendations?

I second the kudos for

Fargo
Sherlock (BBC)
Breaking Bad
House of Cards
Justified
by tigerman3
Sat Jul 05, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144543

Re: Is Vanguard's portfolio watch tool broken?

I have a 592 account with Vanguard. I also have a mutual fund account and a brokerage account for my etf's. The Portfolio Watch tool works just fine for me, and always has except for about a 4 month period earlier this year. I can see the allocation in that account only and also in an aggregated vie...
by tigerman3
Tue Jun 03, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 31
Views: 6324

Re: Hotel suggestions Washington,DC

We just were there and stayed at the AKA White House. Well situated, near the Farragut West Metro Station. Very well maintained. Friendly staff. Reasonably priced given all the size of the suites. Parking garage next door. Lots of room as these are really like extended stay apartment/condos. The onl...
by tigerman3
Sat May 17, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2236

Re: How Many Funds Do You Have in Taxable?

VCADX Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares VWEAX Vanguard High-Yield Corporate Fund Admiral Shares VMLUX Vanguard Limited-Term Tax-Exempt Fund Admiral Shares VTMSX Vanguard Tax-Managed Small-Cap Fund Admiral Shares VTIAX Vanguard Total International Stock Index Fund A...
by tigerman3
Mon Mar 10, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5696

Re: What was your dumbest financial decision?

Buying VIX two years ago and watching it sink to a small fraction of its original price.
by tigerman3
Tue Mar 04, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 15374

Re: Buffett gains ground in hedge fund bet

Rodc, It is not a matter of "before" they hatch; but rather a matter of when they hatch.

dad2000, I'm sure tax effect isn't included. Another point for Buffett.
by tigerman3
Thu Feb 06, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett gains ground in hedge fund bet
Replies: 26
Views: 3104

Buffett bets on indexing

Buffett bets that indexing will do better than hedge fund managers. So far he is winning. Why am I not surprised?

http://www.cnbc.com/id/101394085
by tigerman3
Thu Feb 06, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Buffett bets on indexing
Replies: 8
Views: 1740

Re: 10K IBond or PenFed CD

goodenough--

I may be wrong, but it looks like the 5 year CD has a 1 year penalty, and your calcs need to be adjusted accordingly.
by tigerman3
Mon Dec 02, 2013 3:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 10K IBond or PenFed CD
Replies: 19
Views: 2372

Re: (tax-exempt?) bonds component in a lazy portfolio

In my taxable account, I have about 15% as part of my Wellesley holdings (VWIAX) and the remainder split between CA Intermediate bond fund (VCADX) and national limited term bond fund (VMLUX). My Vanguard consultant wasn't thrilled about my holding Wellesley in my taxable account, but that aside, he ...
by tigerman3
Tue Oct 29, 2013 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: (tax-exempt?) bonds component in a lazy portfolio
Replies: 10
Views: 867

Re: Stationary exercise bike recommendation?

I have a recumbent Freemotion. Have been quite happy with hit.
by tigerman3
Sun Aug 18, 2013 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Stationary exercise bike recommendation?
Replies: 15
Views: 1786

Re: Municipal Bonds - Pro's and Con's

I too have a portion of my bond allocation in a muni ladder. Schwab has a product offered through PIMCO. PIMCO buys the bonds, manages the ladder (either 6 years or 12 years ladder) and takes a small management fee (.25). Because it is a managed account, no commission is taken on the bond purchases ...
by tigerman3
Fri Aug 16, 2013 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - Pro's and Con's
Replies: 28
Views: 3574

Re: John Hussman is almost a Boglehead

Hussman has been making similar comments for some time now. My take is that he is justifying his decision to mostly stay out of the market (which is market timing) while at the same time urging those already in the market to stay the course if they have an allocation which allows them to weather the...
by tigerman3
Sun Aug 11, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman is almost a Boglehead
Replies: 8
Views: 1330

Re: Monte Carlo Simulator for today's low yields?

FireCalc lets you investigate results under different scenarios specified by you, including different return rates, different inflation rates and different overall standard deviation.

http://firecalc.com/
by tigerman3
Fri Aug 02, 2013 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulator for today's low yields?
Replies: 6
Views: 847

Re: Bogle referenced by Hussman

Ged, Not advocating for Hussman. He is a market-timer for sure. He's been mostly out of the market for years now, and has missed most of the run up since 2009. He is more than willing to admit that this was a mistake on his part (not that it makes up for his fund's horrible performance to date). Wha...
by tigerman3
Mon Jul 22, 2013 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Bogle referenced by Hussman
Replies: 6
Views: 910

Bogle referenced by Hussman

New weekly commentary by Hussman voices his concern about buy and hold, and refers to Jack Bogle: "As usual, I have no intention of encouraging investors to deviate from other disciplines, provided that those disciplines are well-informed, that investors are committed to following those discipl...
by tigerman3
Sun Jul 21, 2013 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle referenced by Hussman
Replies: 6
Views: 910

Re: Move money between Schwab and Vanguard

I use an intermediary bank to get around this issue. Setting up a checking acct at Schwab would do the same thing, it seems.
by tigerman3
Fri Jul 19, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move money between Schwab and Vanguard
Replies: 10
Views: 1157

Re: LUMP SUM INVESTING

Most of the studies show that lump sum is preferable in the long run. See: https://pressroom.vanguard.com/nonindexed/7.23.2012_Dollar-cost_Averaging.pdf https://personal.vanguard.com/us/insights/article/dollar-cost-averaging-102012 But I've read elsewhere that it is about your comfort level. If doin...
by tigerman3
Thu Jul 11, 2013 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing
Replies: 5
Views: 743

Re: Why 4 Percent Annual Withdrawals are Still Safe

Wade Pfau just issued a new study, in which he takes into account current valuations and concludes that 4% is too risky for most. He finds that "using valuation measures current as of April 15, 2013, which is a bond yield of 2.0% and a CAPE of 22, we find the probability of success for a 40% eq...
by tigerman3
Sun Jul 07, 2013 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why 4 Percent Annual Withdrawals are Still Safe
Replies: 38
Views: 3528

Re: Instead of a CD Ladder

Ally has a 5 year CD with 60 day penalty for early withdrawal. In other words, after 60 days, you get the higher rate for as long as you want. Depositaccounts.com has an early penalty calculator which allows you to calculate the rate at various points in time. Thus for example, a CD from Ally that p...
by tigerman3
Sat Jul 06, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Instead of a CD Ladder
Replies: 26
Views: 4852

Re: Would you take a pay cut under certain circumstances?

I am on the verge of taking a pay cut. I have decided that I've hit my goal. The rest is gravy. I'm more than happy to take 1/2 the money for 1/2 the work.
by tigerman3
Wed Jul 03, 2013 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut under certain circumstances?
Replies: 32
Views: 2679

Re: Best asset allocation book to read?

I concur with those who have suggested Ferri's book. Would also add: The Investor's Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between by William Bernstein. http://www.amazon.com/Investors-Manifesto-Prosperity-Armageddon-Everything/dp/1118073762/ref=sr_1_3?s=books&ie=UTF8...
by tigerman3
Mon Jul 01, 2013 5:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 2840

Re: What to do? Vanguard Muni Funds Closed to New Investors

Bill, thank you. I double checked. The chart is from Morningstar. It only goes back 6 months to January 2013, which is why I said that long term the differences may be less significant.

Tiger
by tigerman3
Sat Jun 29, 2013 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2196

Re: What to do? Vanguard Muni Funds Closed to New Investors

With respect to the suggestion of possibly buying an ETF instead, I would note that some in the past have voiced concern over increased volatility of ETF's due to on-demand liquidity issues. In the figure below, blue is Vanguard Intermediate, orange is Baird Intermediate and Green is Barclays ETF (T...
by tigerman3
Sat Jun 29, 2013 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2196

Re: What to do? Vanguard Muni Funds Closed to New Investors

My Schwab account lists these as "Open to existing investors." Interestingly enough, VMLTX (Limited Term) is still listed as "open."
by tigerman3
Fri Jun 28, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2196

Re: What to do? Vanguard Muni Funds Closed to New Investors

I don't think they are closed if you have an account at Vanguard. However, I have read that Fidelity has a good Intermediate fund: FLMTX
by tigerman3
Fri Jun 28, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2196

Re: Cash at home

When San Francisco had its quake in 1989, all ATM's were down. Stores with cash registers that used electricity couldn't operate. Credit cards weren't accepted. Since then, I've kept an emergency cache of cash in addition to my usual earthquake preparedness kit.
by tigerman3
Thu Jun 27, 2013 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4873

Re: Happy with Barclays savings account?

I have both an Ally CD and a Barclay's CD. Both were easy to set up. Both have had decent customer service.
by tigerman3
Wed Jun 26, 2013 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 24
Views: 10959

Re: 3 funders with a pinch of gold, silv

A few percent. Partly because of historically low correlation, partly as a safe haven, and partly as a hedge against inflation.
by tigerman3
Wed Jun 12, 2013 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 funders with a pinch of gold, silv
Replies: 22
Views: 1357

Re: Wireless access point Wifi connection

My daughter was complaining about the same thing. This past weekend I got a very simple netgear wireless extender. It plugs into the wall. You push a button on your router and a button on the extender. They find each other and you are done. I am happy and she is happy with the results thus far. Sign...
by tigerman3
Tue Jun 11, 2013 11:16 am
 
Forum: Personal Consumer Issues
Topic: Wireless access point Wifi connection
Replies: 18
Views: 1409

Re: What the best value in anti-virus software

Many providers are now giving out anti-virus protection and security suites for free. I use Norton Security Suite provided by Xfinity.
by tigerman3
Sun Jun 02, 2013 2:34 am
 
Forum: Personal Consumer Issues
Topic: What the best value in anti-virus software
Replies: 63
Views: 5541

Re: What you tell yourself when you end up buying at a peak

I tell myself to be patient and there will soon be an opportune time to re-balance.
by tigerman3
Sat Jun 01, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What you tell yourself when you end up buying at a peak
Replies: 47
Views: 3455

Re: Can I retire?

I've seen articles on dynamic withdrawal rate models which as a starting point would have you divide your total assets by life expectancy. In your case that would mean 2.5 mil divided by 45 or so, which would come to 55K per year, more or less.
by tigerman3
Mon May 13, 2013 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 78
Views: 8046

Re: Target Date funds for college savings plans?

I moved my college savings plan from CollegeBound to Vanguard in 2012 and am glad I did. If you look at their materials, Vanguard has basic allocations which it recommends for kids who are a certain number of years away from college. As you get closer to college, the recommendation is to get more co...
by tigerman3
Wed May 08, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date funds for college savings plans?
Replies: 14
Views: 906
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