Bogleheads.org

tigerman3

I have both. I have a 5 year CD ladder for which I'm starting to add Treasuries if the rate is comparable or better. Right now, 1 year Treasuries are at about 2%, which is better than CD's from a state taxation standpoint depending on where you live.

tigerman3

Have ben with GS since they took over GE, and before that. No problems. Also check out Able Bank, now paying 1.7 on savings accounts.

tigerman3

A lot of the output on FireCalc depends on your asset allocation. I suspect that if you retire, your allocation should be less aggressive. You may want to re-run it with different allocations to see what happens.

tigerman3

I gave up. Sold my position in a timely manner, and took profit. Haven't had a position for a couple of years. Now just starting to get back in. This time with a shorter duration TIPS fund.

tigerman3

All About Asset Allocation by Rick Ferri
http://www.amazon.com/All-About-Asset-A ... bc?ie=UTF8

tigerman3

I will rebalance when the time comes.

tigerman3

Yes. Sorry. I went off topic with the recommendation for a white wine.

tigerman3

I have a VG 529 and have used the following charts in choosing the right balanced portfolio according to my child's age. https://investor.vanguard.com/529-plan/ ... ed-options

tigerman3

Apropos of a previous remark, I just read article about high levels of arsenic in Menage a Trois wines. http://www.motherjones.com/blue-marble/2015/03/cheap-wine-might-contain-arsenic. In the 10-15 dollar range, I've been quite pleased with Kung Fu Girl, which got a Wine Spectator rating of 91 this ...

tigerman3

Until I read all the previous posts, I thought I was doing exceptionally well with .11

tigerman3

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.

tigerman3

About 4% in IAU (gold etf) as a theoretical inflation hedge though I'm well aware of the arguments against.

tigerman3

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...

tigerman3

I echo the previous response. About 50%, but getting better all the time.

tigerman3

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...

tigerman3

. 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...

tigerman3

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 ...

tigerman3

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 ...

tigerman3

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...

tigerman3

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

tigerman3

About 50%, but growing as time goes on.

tigerman3

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%.

tigerman3

I hold both. CA Intermediate and national limited duration. The latter is to temper interest rate and state specific risk.

tigerman3

Suggest you start with the Wiki: http://www.bogleheads.org/wiki/Lazy_portfolios

tigerman3

I have about 190 passwords stored in my encrypted password security program. I use about 30 per month on average.

tigerman3

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.

tigerman3

I second the kudos for

Fargo
Sherlock (BBC)
Breaking Bad
House of Cards
Justified

tigerman3

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...

tigerman3

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...

tigerman3

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...

tigerman3

Buying VIX two years ago and watching it sink to a small fraction of its original price.

tigerman3

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.

tigerman3

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

tigerman3

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.

tigerman3

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 ...

tigerman3

I have a recumbent Freemotion. Have been quite happy with hit.

tigerman3

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 ...

tigerman3

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...

tigerman3

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/

tigerman3

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...

tigerman3

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...

tigerman3

I use an intermediary bank to get around this issue. Setting up a checking acct at Schwab would do the same thing, it seems.

tigerman3

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...

tigerman3

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...

tigerman3

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...

tigerman3

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.

tigerman3

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...

tigerman3

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

tigerman3

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...

tigerman3

My Schwab account lists these as "Open to existing investors." Interestingly enough, VMLTX (Limited Term) is still listed as "open."

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