Search found 167 matches

by 92irish
Mon Jun 19, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 18
Views: 1278

Re: Olympic NP and Mt Rainier NP

In the Olympic NP, the hike to Sol Duc falls is easy for kids. Although the best part is that the hot springs at Sol Duc are really fun for kids. They have some nice pools and an old school national park lodge. I'd put that on my list for the Olympic National Park.
by 92irish
Thu Jun 01, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's index fund manager: Geode Capital Management
Replies: 9
Views: 857

Re: Fidelity's index fund manager: Geode Capital Management

The separate nature of the manager does not bother me. Some Vanguard funds use non-Vanguard advisory firms (e.g. Wellington Management). I will say that some Geode managed index funds have not always tracked their benchmarks very well (for example, FSGDX - Fidelity Global Ex-US; and FSRVX - Fidelity...
by 92irish
Fri May 05, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3074

Re: Visiting Paris for 8 days - what to do?

Go see a performance at the Palais Garnier (Paris Opera House). We had box seats for the Paris Opera Ballet. Not only was the ballet fantastic, but we are able to see inside and out the Palais Garnier which is amazing. A great experience all around. You can buy tickets online in advance. A highlight...
by 92irish
Fri Mar 24, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a 5% position to commodities
Replies: 21
Views: 1576

Re: Thinking about adding a 5% position to commodities

Echoing all the other comments - not a fan of commodity ETFs. They are expensive, volatile, and all kinds weird risks (cantango anyone?).

If you are seeking an asset class that provides inflation protection in a portfolio and diversification, I'd stick with an allocation to TIPS. That's what I do.
by 92irish
Wed Mar 22, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Corporate Bonds - Inherited IRA
Replies: 11
Views: 518

Re: Selling Corporate Bonds - Inherited IRA

You will get hosed if you try to sell small lots of corporate bonds. You can get a quote from the bond desk at Vanguard to confirm, but the spreads will likely be large. Whether you are Voyager or not, the haircut will be significant in my experience. Unless you desperately need the money, I'd wait ...
by 92irish
Wed Mar 22, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Muni fund reinvest or not
Replies: 11
Views: 923

Re: Muni fund reinvest or not

If you don't need the income, I'd say reinvest until you do. In the old days it could be complicated to keep track of your basis when you reinvested your dividends, but Vanguard does that for you now.

As your signature line says - K.I.S.S.!
by 92irish
Sun Mar 19, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 822

Re: Emergency fund - in Prime Money Market?

SEC yield on Prime Money Market is now .8% and has been rising over the past months. Online bank savings accounts seem stuck around the 1.00% range. There really is not much difference now between Vanguard Prime Money Market and the majority of online savings accounts. We'll see in the future, but m...
by 92irish
Thu Feb 23, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5176

Re: VTIAX now has 0.11% ER

I also find it odd that VYMI (Vgd International High Dividend ETF + mutual fund shares) had their expense ratio go up. Especially since it is an index fund which to begin with already had a relatively high expense ratio. It is mostly an index with large cap developed country stocks, so I don't know ...
by 92irish
Thu Feb 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS share federal tax information with states?
Replies: 7
Views: 933

Re: IRS share federal tax information with states?

They do. As an example, my friend filed a Schedule C on his 1040 for some consulting income. The Schedule C requests an address and he listed his home in Fairfax County Virginia, although he really did the work in Washington DC and elsewhere (and not out of his home). The county went after him for n...
by 92irish
Tue Feb 21, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 627

Re: Auto Finance question

What?? You can't just say your getting a $65,000 car and not tell us what kind of sweet ride your getting. :sharebeer
by 92irish
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 4927

Re: Vanguard seems to have gone off the grid

My guess is a hack attack where some group launches myriads of spurious spammed log on attempts via botnets This sort of thing happened to my Schwab account a couple years ago - I think they call them DNS attacks. It happened several times over a period of a few weeks. It was quite a news story at ...
by 92irish
Sun Feb 05, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 2892

Re: Inheritance in coins

Sounds like you are just getting started with investing and in my opinion precious metals is not what you should be focused on. If you had a large well diversified portfolio and wanted a small allocation to precious metal then to each his own, but that does not appear to be your circumstance. I woul...
by 92irish
Tue Jan 17, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on a loan to a craft brewer. Cheers!
Replies: 20
Views: 1424

Re: Seeking advice on a loan to a craft brewer. Cheers!

I'd would talk to a lawyer before you made this loan. Security is nice - but who else did they give a security interest to as well? You want to be in first position alone on the newly acquired equipment. Do a UCC search and find out. You will want a well drafted Security Agreement and a UCC1 filing ...
by 92irish
Mon Jan 16, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4847

Re: If I decide to overpay on mortgage payment

I don't believe you can pay-down interest and even if you could don't know why you would. My mortgage statement only allows me to add additional principal (or add to the escrow account for taxes and insurance). When I pay with online bill pay and I pay more than the amount due, the mortgage servicer...
by 92irish
Tue Jan 10, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Sell strategy for thinly traded closed end fund shares
Replies: 16
Views: 821

Re: Sell strategy for thinly traded closed end fund shares

Obviously - do not use a "market order" whatever you do. In situations like this, I use a "limit order" at a price that I want (after looking at the premium/discount spread of the CEF and trade history). I'd also not use an all or none (AON) limitation. I'd then set the time fram...
by 92irish
Mon Jan 09, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 4752

Re: Alaska cruise - Help me convince my family

Did the Seattle roundtrip Alaksa cruise this past August on Princess. I did not think it was an overwhelmingly old clientele at all and the entertainment was excellent. We went with a group ranging from 75 down to 13 - everyone had a great time. 1) Highly recommend Princess - modern top-notch ship, ...
by 92irish
Thu Dec 22, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 3891

Re: Reliable washer/dryer brands

We recently purchased one of the new "high efficiency" low water usage washers - replacing an old school top loader with agitator. We could not buy one of the old variety and are stuck with these high efficiency ones. I greatly regret our decision and wish we would have just repaired our o...
by 92irish
Wed Dec 21, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Should everyone use a backdoor Roth?
Replies: 16
Views: 2607

Re: Should everyone use a backdoor Roth?

I have the SEP-IRA problem too. You could open a new individual 401(k) plan and roll the SEP-IRA into the new individual 401(K) - then it is no longer an IRA subject to the prorata rules. I am thinking about doing this next year.
by 92irish
Wed Dec 07, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Car: new or CPO
Replies: 15
Views: 1503

Re: Car: new or CPO

I am going through the same dilemma right now - new or a couple years old CPO. For what it is worth, I am looking at an Audi A3. No doubt you can save some money by going CPO and getting one a couple years old. In my case, I've pretty much decided I am going to go new for unique reasons - 1) the 201...
by 92irish
Wed Oct 26, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: BND instead of a saving account
Replies: 7
Views: 1238

Re: BND instead of a saving account

I would agree to looking at an online high yield savings account (where you can get around 1%) before taking risk with total bond market index fund (VBMFX). If you nevertheless wanted to get a bit more than 1% and wanted something at Vanguard, I would look at Vanguard Limited Term Tax Exempt Fund (V...
by 92irish
Mon Oct 24, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What percentage in TIPS?
Replies: 46
Views: 8054

Re: What percentage in TIPS?

I am at about 1/3 of my bond allocation. I was at zero, but early this year I decided to add TIPs to my various accounts. After reading various articles about how the Fed is considering changing the 2% inflation target, moving to a GDP target instead of fixed target, and otherwise running out of amm...
by 92irish
Fri Oct 07, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2984

Re: ACA renewal - shop around.

Count me in as another that just got dropped by my long time insurer (was a bronze HSA plan). :thumbsdown Apparently they are pulling out of offering health insurance in my county (but not other counties in my state) - reading between the lines the claims must have been too high for our county (lowe...
by 92irish
Mon Oct 03, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Older cars by owner on Craigslist - how long to listings stay?
Replies: 14
Views: 1423

Re: Older cars by owner on Craigslist - how long to listings stay?

I've been thinking about a BMW 228i (either new or almost new), curious why your dad is selling it? Problems? It does seem that not many people sell relatively new BMWs private party - they are either leases or get traded in at the dealer unfortunately.
by 92irish
Thu Sep 22, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 63
Views: 7523

Re: What Percentage To Put In International Stock?

VT (Vanguard Total World Stock Index ETF) - don't have to worry about it. .14% expense ratio. A bit more expense than a U.S. only index or combining U.S. with foreign index, but I like the broad simplicity of this single fund. Dear Vanguard: Why don't you have admiral shares for this fund?? I prefer...
by 92irish
Mon Aug 01, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2436

Re: Edelman on Muni's

We may be verging outside of the bounds of the forum, but... Edelman's comments are silly. Why would the government create a crisis and purposefully anger many voters by rescinding the tax-exemption retroactively? Now, they could on a PROSPECTIVE basis decide that new issuances of municipal bonds wi...
by 92irish
Fri Jul 22, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 2735

Re: Moving to Seattle from DC

Coincidentally, I used to live in Vienna and moved to Seattle (but about 10+) years ago. I agree with all the previous comments - especially on the point of no good public transportation into downtown Seattle if that is where your job is. The eastside (Bellevue, Kirkland, even out as far as Issaquah...
by 92irish
Thu Jun 02, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Hold or sell inherited munis?
Replies: 17
Views: 1455

Re: Hold or sell inherited munis?

If I were you - I would hold. You are in a relatively high tax bracket and you benefit as a California resident by avoiding state income tax. California's finances have improved significantly and GO Bonds are safe based on constitutional protections. If you sell, you will also be subject to pricey c...
by 92irish
Mon May 23, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 6729

Re: What was your first investment?

Lindner Dividend Fund in the early 1990s. It was a "gold star" active management fund with years of out-performance, until I bought it. The performance lagged, money fled, the fund company was sold to another fund company that then jacked up the expense ratio, change name and strategy. I f...
by 92irish
Thu May 19, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Total Bond Fund
Replies: 20
Views: 3123

Re: Fidelity's Total Bond Fund

FTBFX is a lot like what I think Vanguard is trying to do with their new Core Bond fund. Basically a broad bond market bond fund with some additional bets not found in the barclays index - i.e., high yield bonds, emerging market bonds, extra dose of corporates. More theoretical risk, but longer term...
by 92irish
Tue May 10, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Freeriding Warning Notice - Confused.
Replies: 4
Views: 1404

Freeriding Warning Notice - Confused.

I am trying to put in a trade and I am getting a warning from Vanguard that it might be a freeriding violation. I don't think it is, so I am confused by the warning. Here is the account situation: Settled Cash: $17,000 Unsettled Cash (due to me on 5/12 from unrelated situation): $23,000 Total availa...
by 92irish
Mon May 09, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund vs. Total Bond
Replies: 14
Views: 1732

Re: Stable Value Fund vs. Total Bond

Unless you are retiring soon or for some reason need the money in the next year or two, I'd vote Barclay's Agg Bond Index. If your holding period is more than just a few years, you should ride out any volatility and ultimate come out ahead with the higher yield from the Barclay's Agg Bond Index. You...
by 92irish
Wed Apr 20, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: nice read.."Did Fidelity Cheat [One of] It's Own Clients"
Replies: 13
Views: 2651

Re: nice read.."Did Fidelity Cheat It's Own Clients"

Fidelity is not suitable for this type of investor. I totally agree - Fidelity was totally out of their league. Why this guy was not using a true global heavy weight like Goldman Sachs makes no sense. He obviously bought into the Fidelity sales pitch to attract uber high net worth clients. As finan...
by 92irish
Tue Mar 15, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cash savings for sole member LLC at Ally
Replies: 6
Views: 534

Re: Cash savings for sole member LLC at Ally

It is not a good idea to keep a lot of cash in an LLC anyway from a liability perspective. The moment you get sued and try to draw the cash out - boom; fraudulent conveyance to defeat a creditor. You can always put the money back in the LLC if you need it without tax consequence. Just put the money ...
by 92irish
Fri Jan 29, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 3330

Re: How to stop junk mail for a deceased person

There can be some good deals... My grandmother died a couple years ago at 98 and every couple months she still gets a coupon for a free pair of panties at Victoria Secrets. My wife takes the coupon and pretends to be my grandmother. I like to joke with her and ask if she is wearing granny underpants...
by 92irish
Tue Jan 26, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5146

Re: VFIDX up .83% in one day?

However, I do not make major portfolio moves often but will likely be making a pretty large exchange involving VFIDX (Intermediate Term Investment Grade) in the next two months though. In light of occasionally anomalies like this, it might make sense to dollar cost average over a few days/weeks for...
by 92irish
Thu Jan 21, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 4143

Re: Car tire replacement

Another question not addressed here is whether you want to stay with runflats (versus normal tires). Normal tires are way cheaper and have a better ride. Of course, the problem is you have no spare if you get a flat. This can be addressed by having a can of compressed air / fix-a-flat in the truck a...
by 92irish
Thu Jan 21, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying 10 year TIPS tomorrow?
Replies: 19
Views: 2041

Re: Anyone buying 10 year TIPS tomorrow?

Here are a couple of benefits of buying individual securities as I see it ... 1) You can save .20% in expense ratio. 2) You can control your duration based on your own circumstances. 3) You can have a fixed maturity date in which you get your principal back. 4) Avoid manager risk (although VIPSX is ...
by 92irish
Wed Jan 13, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Initial HSA Bank/TD Ameritrade investments?
Replies: 13
Views: 3578

Re: Initial HSA Bank/TD Ameritrade investments?

I use HSA Bank/TD Ameritrade. I just do one transfer a year from HSA Bank into the TD Ameritrade (although there is no fee, so you could do multiple transfers, but I don't see the point). One tip - before you get free ETF trades for Vanguard and other ETFs, you have to register your account for free...
by 92irish
Wed Jan 06, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 5136

Re: What to do with my Audi A3 TDI

The open question in my mind is whether this is will be a "mandatory" recall in all states? I am mean if you don't take it in to the dealer to get fixed are you going to flunk an emission test or is the government going to take away your vehicle license? Yet to be seen - but it may not be ...
by 92irish
Tue Aug 11, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Closed-End Funds at a discount
Replies: 13
Views: 2779

Re: Closed-End Funds at a discount

I recently acquired Franklin Templeton Global Income Fund (GIM) which is a non-leveraged CEF for some emerging market bond exposure. It has -10.62 discount to NAV (and it often trades at a premium). It is five star (Gold) morningstar rated - for what that is worth. The expense ratio is .73%, but of ...
by 92irish
Sat Jun 06, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 5752

New CC expiration date but same card number - do I have to update auto pays?

I just got a chip credit card replacement for my old style credit card. It is the same credit card number, but has a different expiration date now. The old date was not even near expiring. The new card does have a different three digit code on back. My question is whether I need to update all my aut...
by 92irish
Mon Feb 23, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 15881

Re: why do some people like Fidelity?

I have and like both Vanguard and Fidelity. I do have a little bit of a distressing Fidelity story. A client of mine's husband died and left her (elderly widow) a large multi-million dollar portfolio of index funds at Fidelity. Within a year, a Fidelity rep had talked her into a wrapped managed acco...
by 92irish
Sun Feb 15, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 11479

Re: Expecting a big inheritance - Should it change my life?

I absolutely ignore the prospect of any inheritance and so should you. Never count any chickens until they are hatched. I have parents in 70's and stand to inherit an eight figure amount. They could live until they are 100 and hope they do. I don't adjust my asset allocation and save the same as if ...
by 92irish
Tue Dec 23, 2014 12:41 pm
Forum: Personal Consumer Issues
Topic: How to tackle a crack on the windshield
Replies: 28
Views: 3163

Re: How to tackle a crack on the windshield

No coverage on my insurance - it would be all out of pocket for replacement. Chip fixes are free. Word to the wise - if you are ever replacing your windshield wipers, ALWAYS ALWAYS ALWAYS, put a heavy towel or blanket under the arm of the wiper. There are high tension springs that snap back the arm ...
by 92irish
Tue Dec 23, 2014 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 39
Views: 16720

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

My company uses Schwab as the 401K plan administrator - and we have lots of Vanguard funds. On top of the Vanguard expense ratio's Schwab deducts anywhere between .25% and .50% on an annualized for its plan administration various fees. The plan administrator fees vary based on what happens during a ...
by 92irish
Fri Dec 05, 2014 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Child Tax Credit and Roth
Replies: 9
Views: 1418

Re: Child Tax Credit and Roth

My two cents is that the Child Tax Credit is a pretty nice perk and I would limit my conversions to below the phase-out amount to avoid losing it. This is what I do. The only exception in my mind would be if stock or bond prices were ridiculously low like in 2009/2010. I broke my rule and converted ...
by 92irish
Fri Oct 24, 2014 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 3569

Re: Fidelity

Ged wrote:definitely a nicer web site


I used to agree with you on this point. However, Fidelity is rolling out a completely redesigned website - it is a total cluttered mess. I think they must have hired Yahoo's webdesigners.
by 92irish
Mon Oct 20, 2014 10:34 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 12190

Re: Best place (with warm weather) to raise children

S.F. East Bay Suburbs: (Lafayette, Moraga, Orinda, Alamo, Walnut Creek). Great weather (Berkeley Hills block a lot of the fog, cold you'd experience in S.F. proper). Great public schools. Good employment opportunities in the Bay Area (for well educated) Negative: Expensive, high cost of living. Traf...
by 92irish
Fri Oct 10, 2014 1:45 pm
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 82
Views: 14188

Re: is anything 'cheap' out there?

Commodities (check out DBC or GSG).

Non-dollar hedged intl' bonds (check out iShares ISHG).

No thanks for me. What is cheap can get cheaper. I am an investor not a trader.
by 92irish
Thu Sep 25, 2014 3:34 pm
Forum: Investing - Theory, News & General
Topic: FTBFX vs FSITX [Fidelity Total Bond vs. Spartan Bond]
Replies: 10
Views: 4872

Re: FTBFX vs FSITX

I know Fidelity Total Bond Fund (FTBFX) well and have owned for many years. It contains High Yield Bonds, Emerging Market Bonds, and more corporate bonds than the index - so yes it is more risky. I am willingly and knowingly taking the extra risk. The manager does not take huge risks and interest ra...

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