Search found 1164 matches

by Whakamole
Fri Sep 18, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Received used laptop from Costco web site
Replies: 8
Views: 1112

Re: Received used laptop from Costco web site

Eazyndn wrote: Fri Sep 18, 2020 5:36 pm Even though, as you said, the phone wait is about an hour, they do have a good callback feature I’ve used. You can be doing other stuff till they call you back.
When was this? I tried calling Costco last month and had to wait; I think the "call back" feature may have been disabled this year.
by Whakamole
Thu Sep 17, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: Managed Payout Fund going away (sort of)
Replies: 8
Views: 1091

Re: Managed Payout Fund going away (sort of)

Interestingly, just a few months after Vanguard shuttered the Managed Payout fund in the US it has introduced an ETF in Canada with a very similar mandate. According to the press release , Vanguard Retirement Income ETF Portfolio (ticker: VRIF): helps you keep more money in your pockets and saves y...
by Whakamole
Wed Sep 16, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13705

Re: Is this guy trying to scam me on a car I'm selling?

I can't decide if he is a scam or not. But as a non-native English speaker, I can confirm that the above words in red are not commonly used by people with English as second language. This guy is either an English- language native scammer, or English- language native legit! He is not a Nigerian prin...
by Whakamole
Wed Sep 16, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13705

Re: Is this guy trying to scam me on a car I'm selling?

Then he writes, New plan. Cash money. I am driving to Pittsburgh in the morning, be there at 0900 when they open. Withdraw the 6k limit, wire the balance to my friend in Baltimore. I’ll send you a note when all is done. We are still in play for my availability on Saturday and Sunday. Let me know if...
by Whakamole
Wed Sep 16, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13705

Re: Is this guy trying to scam me on a car I'm selling?

I've never heard of someone offering over asking price for a car. Maybe a house in a hot market.
by Whakamole
Wed Sep 16, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6720

Re: Coping with Wildfire smoke

I'm in SoCAL; we've got bad air too, I've closed the windows and only go out with a pollution mask on when I have to. My first coping mechanism has been utter outrage expressed in rants to friends who don't get offended by my vocabulary. We can't drink the water, now we can't breathe the air! Livin...
by Whakamole
Sat Sep 12, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Visiting Oregon Coast
Replies: 20
Views: 2819

Re: Visiting Oregon Coast

Hi, My wife and I were planning to visit the Oregon Coast starting next Thursday for about a week and a half, staying in Seaside, Newport, and Coos Bay. Anyway, with the on-going fire conditions and evacuations, we are leaning towards cancelling and/or postponing the visit.. We need to make the cal...
by Whakamole
Thu Sep 10, 2020 11:45 am
Forum: Personal Investments
Topic: Is it Possible to Opt-out of Fidelity Premium Services?
Replies: 37
Views: 3857

Re: Is it Possible to Opt-out of Fidelity Premium Services?

You get a special number to call if you need help (which paid off for me this year since I got.to.rollnack a RMD.)

Otherwise an advisor called me once, many years ago. I politely declined, they told me to call if I ever needed anything and haven't tried to call me since.
by Whakamole
Thu Sep 10, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7324

Re: Continuing Care Retirement Community Entrance Fee

I am over 70 and immuno-compromised and live alone. I am being very careful and only "meeting" people by phone/internet. You think "socially isolated" only happens in CCRCs? I think I would be better off if I had already moved to one. For you, yes, it sounds ideal. My relative has a single bedroom ...
by Whakamole
Thu Sep 10, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2846

Re: Google Play Music sunsetting to YouTube Music

"YouTube Music will soon let you cast uploaded music to smart speakers for free" https://9to5google.com/2020/09/09/youtube-music-will-soon-let-you-cast-uploaded-music-to-smart-speakers-for-free/ It seems like some changes are being made. That's not an announcement from Google/YT or one of their rep...
by Whakamole
Thu Sep 10, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7324

Re: Continuing Care Retirement Community Entrance Fee

Yep, as I said before, the covid protocols in place at care facilities have been a disaster for both the residents and family of residents. Note: I'm NOT saying these restrictions are wrong or unneeded; I'm only commenting on the effect these restrictions have on people. Where the restrictions are ...
by Whakamole
Thu Sep 10, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 495
Views: 46189

Re: JPM Chase Reserve Card gets more expensive

Does anyone know if downgrading the card (to Freedom) counts against their 5/24 rule? It does not. 5/24 is for new applications Excellent, thanks. I wonder if Chase is regretting the 1.5% cash back towards groceries/dining, since it's enabled many of us to effectively cash out our rewards points an...
by Whakamole
Thu Sep 10, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 495
Views: 46189

Re: JPM Chase Reserve Card gets more expensive

Does anyone know if downgrading the card (to Freedom) counts against their 5/24 rule?
by Whakamole
Wed Sep 09, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 25976

Re: Where's Warren Buffett During This Crisis?

I sold my berkshire stock because I believe that Warren Buffet's life expectancy is severly shortened by the current pandemic and I expect that his untimely demise -IF it were come to pass- would have a big negative impact on berkshire stock price. At that point you might be looking at an attractiv...
by Whakamole
Mon Sep 07, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2099

Re: Foreign Allocation

OP here: Just an FYI: Morningstar defines foreign as the % of the total portfolio. But then uses % of stocks for sectors, value, growth, etc. So they are inconsistent. What do the screenshots look like? Typically stock/bond breakdowns will be % of the stock/bond portfolio because the stock/bond bre...
by Whakamole
Sun Sep 06, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2099

Re: Foreign Allocation

If you invest in Vanguard Total World Stock ETF (VT), it gives you about a 40% international stock allocation. https://investor.vanguard.com/etf/profile/portfolio/vt That said, a lot of people around here keep international at bay with only 20% (Bogle himself said,he wouldn't recommend any internat...
by Whakamole
Sun Sep 06, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2099

Re: Foreign Allocation

If you invest in Vanguard Total World Stock ETF (VT), it gives you about a 40% international stock allocation. https://investor.vanguard.com/etf/profile/portfolio/vt That said, a lot of people around here keep international at bay with only 20% (Bogle himself said,he wouldn't recommend any internat...
by Whakamole
Sun Sep 06, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2343

Re: In accumulation phase, should you ever need more than 10% fixed income?

I don't consider panic selling a serious risk to me personally because of the cold hard truth of my current math. If the market goes down and I go from an insufficient number to another insufficient number, why in the world would I move to cash? I'm not sure how long you have been investing, but it...
by Whakamole
Sun Sep 06, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2343

Re: In accumulation phase, should you ever need more than 10% fixed income?

I don't consider panic selling a serious risk to me personally because of the cold hard truth of my current math. If the market goes down and I go from an insufficient number to another insufficient number, why in the world would I move to cash? I'm not sure how long you have been investing, but it...
by Whakamole
Sun Sep 06, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2343

Re: In accumulation phase, should you ever need more than 10% fixed income?

There is no way my current investments could sustain me if I were to liquidate them. Only when my holdings could sustain me for 10+ years would I consider putting some of my $ into bonds. For now, if I lose my job, I need to find another job. Simple as that. I can't rely on the current value of my ...
by Whakamole
Sun Sep 06, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2343

Re: In accumulation phase, should you ever need more than 10% fixed income?

There is no way my current investments could sustain me if I were to liquidate them. Only when my holdings could sustain me for 10+ years would I consider putting some of my $ into bonds. For now, if I lose my job, I need to find another job. Simple as that. I can't rely on the current value of my ...
by Whakamole
Sat Sep 05, 2020 10:07 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8908

Re: Wife is "forcing" me to buy stock(s)

Does she want to participate in picking the stock, or does she want you to pick?

I'd encourage her to think of a public company she likes and buy the stock, since this seems to be her idea.
by Whakamole
Sat Sep 05, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 145
Views: 10160

Re: Is it really passive index if S&P actively excludes Tesla?

I cannot remember any stock before TSLA that made so many people upset, on all sides. A majority of the Tesla threads here at Bogleheads are people suffering emotional distress, sometimes severe, because of TSLA. Some people are upset that S&P hasn't yet included TSLA in the 500 Index. Other people...
by Whakamole
Sat Sep 05, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 76
Views: 11543

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

VBUFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield isn't bad. Typo. You mean VUBFX--> Vanguard ultra short term bond fund https://investor.vanguard.com/mutual-funds/profile/VUBFX The holdings (as of January 31 2020) is interesting. Asset ba...
by Whakamole
Sat Sep 05, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 200
Views: 17114

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

That's why SP500 is kind of garbage. VTI >>> VOO. Garbage? Why not just include the 500 largest companies? It's totally against the idea of passively investing. And how much of those 500 largest companies? If you go purely by market cap, and market cap only, then float becomes an issue. Low float s...
by Whakamole
Sat Sep 05, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 76
Views: 11543

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

VBUFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield isn't bad. Typo. You mean VUBFX--> Vanguard ultra short term bond fund https://investor.vanguard.com/mutual-funds/profile/VUBFX The holdings (as of January 31 2020) is interesting. Asset ba...
by Whakamole
Sat Sep 05, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 145
Views: 10160

Re: Is it really passive index if S&P actively excludes Tesla?

I heard a lot of people lost money buying Tesla and expecting a bump when the inclusion into the S&P 500 was announced.

That this didn't happen and the speculators lost money is none of my concern.

If anything, I am more likely to invest in the S&P 500. Though I do question Etsy.
by Whakamole
Tue Sep 01, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Tips hyperinflation?
Replies: 46
Views: 2959

Re: Hyperinflation?

Do tips protect against hyperinflation or a “debt crisis” or only against normal inflation? Would total international stock or total international developer protect against us hyperinflation or debt crisis? I know I am reacting to market noise, but I feel like the old rules have changed. owenmia: I...
by Whakamole
Tue Sep 01, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Tips hyperinflation?
Replies: 46
Views: 2959

Re: Tips hyperinflation?

Yes, they will protect against hyperinflation. If you do a search on this forum, someone researched countries that had TIPS for much longer than the US that has experienced massive financial issues and hyperinflation. The conclusion was that all those countries continued to pay out their TIPS bonds...
by Whakamole
Tue Sep 01, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14265

Re: Investors Were Warned.

The advice to buy and hold a single total-market fund is the single best piece of investing advice one can possibly give and one can possibly receive. Period. So... VTSAX? No internationally-traded companies? Vanguard recommends international weighted to market capitalization; Taylor has (at times)...
by Whakamole
Tue Sep 01, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8863
Views: 703444

Re: U.S. stocks continue to soar!

You just have to give them all time. No big deal. The split is, by definition, immaterial after the whole world resets itself, and it will. I was reading an article about Gerald Cotten, the guy who "died" in India and took everybody's bitcoins with him, and I learned something about his history tha...
by Whakamole
Tue Sep 01, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8863
Views: 703444

Re: U.S. stocks continue to soar!

You just have to give them all time. No big deal. The split is, by definition, immaterial after the whole world resets itself, and it will. I was reading an article about Gerald Cotten, the guy who "died" in India and took everybody's bitcoins with him, and I learned something about his history tha...
by Whakamole
Tue Sep 01, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 200
Views: 17114

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

I thought Tesla was going to go private ("funding secured.") Surely this won't be an issue.

:beer
by Whakamole
Tue Sep 01, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29407

Re: Bear Cub Smells Bubble

anoop wrote: Mon Aug 31, 2020 8:53 pm What will they call it when it sails past 25,000 in the next two years?
Maybe the stock of "Dow 35000" books will finally sell out.
by Whakamole
Tue Sep 01, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Tips hyperinflation?
Replies: 46
Views: 2959

Re: Tips hyperinflation?

I don't see we've ever seen an example of a government experiencing hyperinflation that had TIPS-like instruments outstanding. I'm not certain we have either. However, many governments do adjust benefits, including worker pay, state pensions (social security equivalent), etc. to account for inflati...
by Whakamole
Tue Sep 01, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle's Simple Advice for Investors"
Replies: 60
Views: 6214

Re: "Jack Bogle's Simple Advice for Investors"

Thanks Taylor. Interesting Mr. Bogle recommended 20% of portfolio to international and not 20% of stocks. Umm, that's not what he said, which was to limit yourself to no more than 20% international of portfolio. In other words, if you choose to do international, limit it to 20% of total. (He did no...
by Whakamole
Tue Sep 01, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: Tips hyperinflation?
Replies: 46
Views: 2959

Re: Tips hyperinflation?

Would you trust a government suffering from hyperinflation to make sure the bonds were properly inflation adjusted?
by Whakamole
Tue Sep 01, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14265

Re: Investors Were Warned.

The advice to buy and hold a single total-market fund is the single best piece of investing advice one can possibly give and one can possibly receive. Period. So... VTSAX? No internationally-traded companies? Vanguard recommends international weighted to market capitalization; Taylor has (at times)...
by Whakamole
Tue Sep 01, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14265

Re: Investors Were Warned.

The advice to buy and hold a single total-market fund is the single best piece of investing advice one can possibly give and one can possibly receive. Period. So... VTSAX? No internationally-traded companies? Vanguard recommends international weighted to market capitalization; Taylor has (at times)...
by Whakamole
Mon Aug 31, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14265

Re: Investors Were Warned.

. I understand the sentiment that tracking error from the market makes it hard to stay the course. I think the message is that if investors do not think there can be long periods of underperformance of small cap value funds they will be disappointed and unlikely to stay the course with a tilted por...
by Whakamole
Sun Aug 30, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29407

Re: Bear Cub Smells Bubble

1) The old devil efficient market hypothesis applies during a bubble, too. If everyone believed it was a bubble, there would not be a bubble. I remember 1999. Many investors thought dotcom valuations were insane but that it would work out since they could sell to a bigger idiot, thus all the people...
by Whakamole
Wed Aug 26, 2020 11:31 am
Forum: Personal Investments
Topic: Bond 401k choices
Replies: 4
Views: 346

Bond 401k choices

First off, 20% of my bond allocation are in I-Bonds. Some will start coming due at the end of the decade. Everything else is in my 401(k). The direct options in my plan are on the OK side: - Vanguard Short-Term Bond Index (VBIPX): what I am currently invested in, due to ER, lower exposure to possibl...
by Whakamole
Thu Aug 13, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7268

Re: My kid scratched my neighbor's new car

And when you hand over the check... have your son there (without his bike) and have him say he's sorry. He needs to experience the conclusion. Maybe have your son hand over the check. That, or have the parents who may not have been watching their kid ride their bike next to a neighbor's car there w...
by Whakamole
Fri Aug 07, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "sunsetting" CFP consultations
Replies: 137
Views: 11606

Re: Vanguard "sunsetting" CFP consultations

I guess I'm firmly in the don't care camp. Always considered free advice just that, and I'd rather do my own research and not be stuck with someone who has to espouse the company line formulated with the aid of attorney's for tens of thousands and trillions of dollars. This is a valid point of view...
by Whakamole
Fri Aug 07, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 80
Views: 7727

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I will likely cancel once I've cashed out my points using PYB; I was also one of the original holders. With travel being extremely limited, the $300 travel credit isn't useful.
by Whakamole
Mon Jul 06, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 495
Views: 46189

Re: JPM Chase Reserve Card gets more expensive

Looks like the CSR is adding some temporary categories: https://www.doctorofcredit.com/chase-adds-temporary-categories-to-sapphire-reserve-preferred-cards-gas-streaming-instacart/ I'll be using the 50% off Instacart offer and 10% cash back on streaming services (e.g. Netflix, Hulu). Might as well a...
by Whakamole
Mon Jul 06, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 495
Views: 46189

Re: JPM Chase Reserve Card gets more expensive

Looks like the CSR is adding some temporary categories: https://www.doctorofcredit.com/chase-adds-temporary-categories-to-sapphire-reserve-preferred-cards-gas-streaming-instacart/ I'll be using the 50% off Instacart offer and 10% cash back on streaming services (e.g. Netflix, Hulu). Might as well a...
by Whakamole
Sun Jul 05, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3340

Re: Spiked Seltzers?

Nobody drinks seltzers here in my family, also nothing like Pepsi and Coca Cola. Why shall the body consume artificial chemicals? I, wife, son and grandson drink bottled water and milk. Wife and I also drink coffee, I also a daily beer, like a Sam Adams Boston Lager. So that would be a "no" - why a...
by Whakamole
Sun Jul 05, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4671

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Allow me one more pass at this... Intermediate-term Treasury funds hold up better than Total Bond funds when the stock market tanks. You can see this by looking at what happened to each beginning in March. Further, a 60/40 portfolio using Intermediate-term Treasuries rather than Total Bond has had ...