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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 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4902

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
Wed Mar 05, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8391

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 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett gains ground in hedge fund bet
Replies: 26
Views: 2917

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 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett bets on indexing
Replies: 8
Views: 1692

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 4:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 10K IBond or PenFed CD
Replies: 19
Views: 2211

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 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: (tax-exempt?) bonds component in a lazy portfolio
Replies: 10
Views: 847

Re: Stationary exercise bike recommendation?

I have a recumbent Freemotion. Have been quite happy with hit.
by tigerman3
Sun Aug 18, 2013 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Stationary exercise bike recommendation?
Replies: 15
Views: 1329

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 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - Pro's and Con's
Replies: 28
Views: 3103

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 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman is almost a Boglehead
Replies: 5
Views: 867

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 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulator for today's low yields?
Replies: 6
Views: 837

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 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Bogle referenced by Hussman
Replies: 6
Views: 895

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 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle referenced by Hussman
Replies: 6
Views: 895

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 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move money between Schwab and Vanguard
Replies: 10
Views: 1061

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 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing
Replies: 5
Views: 670

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 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why 4 Percent Annual Withdrawals are Still Safe
Replies: 38
Views: 3208

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 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Instead of a CD Ladder
Replies: 18
Views: 2833

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
Thu Jul 04, 2013 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut under certain circumstances?
Replies: 32
Views: 2632

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 6:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1626

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
Sun Jun 30, 2013 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2087

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 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2087

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 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2087

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 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do? Vanguard Muni Funds Closed to New Investors
Replies: 13
Views: 2087

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 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4726

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 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 14
Views: 6244

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
Thu Jun 13, 2013 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 funders with a pinch of gold, silv
Replies: 22
Views: 1275

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 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Wireless access point Wifi connection
Replies: 18
Views: 1350

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 3:34 am
 
Forum: Personal Consumer Issues
Topic: What the best value in anti-virus software
Replies: 63
Views: 4824

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 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What you tell yourself when you end up buying at a peak
Replies: 47
Views: 3388

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 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 78
Views: 7643

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 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date funds for college savings plans?
Replies: 14
Views: 758

Re: HOWTO roll your own high-level munis fund?? Help appreci

FYI, I just came across an "automatic muni bond investment ladder" investment at Charles Schwab. Managed by PIMCO, they select investment-grade municipal bonds with an average credit quality rating of A- or better at purchase. These are assembled in laddered portfolios with 1- to 6-year an...
by tigerman3
Tue May 07, 2013 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: HOWTO roll your own high-level munis fund?? Help appreciated
Replies: 19
Views: 1492

Re: Want to Find a CA Muni Bond Specialist

Hoops, thank you. i will look them up. DrAtkinson, thanks for your input as well. I'm fairly well aware of the ongoing debate on whether it is better to be in bond funds vs. individual bonds. And frankly, I'm on the fence. I know there are upsides and downsides to both. I currently invest in bond fu...
by tigerman3
Fri May 03, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to Find a CA Muni Bond Specialist
Replies: 4
Views: 410

Want to Find a CA Muni Bond Specialist

I live and work near San Francisco. I'm looking for someone who can help me build a Muni Bond ladder. Anyone have any input on how I might find a reputable bond specialist to assist me in this task?
by tigerman3
Thu May 02, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to Find a CA Muni Bond Specialist
Replies: 4
Views: 410

Re: Portfolios with Vanguard Wellington

I add some muni bond funds (so not all income is taxable) and then balance it all out with managed small cap value and managed international.
by tigerman3
Sat Apr 27, 2013 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolios with Vanguard Wellington
Replies: 5
Views: 1137

Re: "Barron's"

John Hussman, comments in his column this week about the Barron's Big Money Poll. This last poll in particular reflects very bullish sentiment, which Hussman ominously regards as a contrary indicator. The cover of this week's Barron's, which contains that poll, sports the headline "Dow 16,000!&...
by tigerman3
Mon Apr 22, 2013 12:43 am
 
Forum: Investing - Theory, News & General
Topic: "Barron's"
Replies: 22
Views: 2317

Re: Wellesley Vs. Target Retirement Income

I have a bit more Wellesley than VTINX at the present time. But I hold both.
by tigerman3
Tue Apr 02, 2013 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Wellesley Vs. Target Retirement Income
Replies: 46
Views: 5126

Re: Best/Favorite ipad Apps

Netflix
Flipboard
Kindle for Ipad
Mint

I have found myself wishing that this forum had an app like Early-Retirement Forum. Is anything like this in the works, perchance?
by tigerman3
Fri Mar 29, 2013 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 3957

Re: What % of gross income do you spend on rent/mortgage?

5% if I include property taxes and utilities. 0 percent if I don't include either.
by tigerman3
Tue Mar 12, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 6681

Re: I earned inheritance- Shall I invest now?

Random--thanks for the link to the article on DCA vs. lump sum. Very interesting. I hadn't seen the data on efficiency relative to PE.
by tigerman3
Sat Feb 16, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: I earned inheritance- Shall I invest now?
Replies: 21
Views: 2378

Re: I earned inheritance- Shall I invest now?

There is a lot of debate about whether dollar cost averaging (DCA) is any better or worse than lump sum investing. In general, from what I've read, you are probably better off lump sum investing. However, there is some merit in the notion that DCA may still make sense from a logistical and psycholog...
by tigerman3
Wed Feb 13, 2013 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: I earned inheritance- Shall I invest now?
Replies: 21
Views: 2378

Re: Car Accident Question

In many states, such as California, there is a requirement that all incidents involving damage over a certain amount be reported, otherwise you risk losing your license. Your insurance policy also probably has a requirement that accidents and damage be promptly reported. As far as which insurance co...
by tigerman3
Tue Feb 05, 2013 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident Question
Replies: 18
Views: 1309

Re: How much (%) would you have in any one fund?

For me, while I'd generally be happy having most of my money in Wellesley, I do diversify among a few balanced funds. I do this to minimize manager risk, but more importantly to minimize the possibility of fraud and company failure risk. I know the chances of this are slim, especially with reputable...
by tigerman3
Tue Feb 05, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: How much (%) would you have in any one fund?
Replies: 10
Views: 1076

Re: Muni Funds Recommendation

Why are you set on an ETF rather than a mutual fund? Bogle has eschewed ETF's because of the greater likelihood that we will trade them. I haven't seen any stats, but I suspect that NAV of ETF's will get hammered first if there are large outflows.
by tigerman3
Tue Jan 01, 2013 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Funds Recommendation
Replies: 12
Views: 1296

Re: National Muni Fund

Not a huge difference in duration. But there is in credit quality.
by tigerman3
Tue Dec 11, 2012 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: National Muni Fund
Replies: 8
Views: 742

Re: Constant Probability of Failure retirement withdrawals

Thank you, Browser. This article was very helpful. It's the first I've seen analyzing efficiency between models, and makes it pretty clear that the most cited one (fixed percentage) is generally least optimal.
by tigerman3
Sun Nov 25, 2012 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Constant Probability of Failure retirement withdrawals
Replies: 15
Views: 1426

Re: What financial podcasts do you listen to?

IndexUniverse
Investing Insights from Morningstar.com
Bloomberg Exchange Traded Fund Reports
by tigerman3
Thu Sep 20, 2012 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: What financial podcasts do you listen to?
Replies: 30
Views: 3598

Re: What to do with 2.5 mill

I second the suggestion that you first find an estate lawyer and draw up an estate plan.
by tigerman3
Fri Sep 07, 2012 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 2.5 mill
Replies: 137
Views: 20455

Re: We need a new forum just for retirement issues

I would vote in favor of a sub forum for discrete Retirement issues, such as withdrawal rates, social security issues, and the like.
by tigerman3
Tue Aug 21, 2012 8:36 pm
 
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 115
Views: 9544

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