Search found 175 matches

by pokebowl
Mon Aug 13, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 25
Views: 2565

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

How about Vanguard Treasury Money Market Fund VUSXX 1.89 I second this, as it appears OP has enough to meet the minimum threshold. While you will achieve slightly lower yield than investing in Tbills directly, the adjusted rolling average return and state tax exemption make this MM fund an easier h...
by pokebowl
Fri Aug 10, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 149
Views: 18718

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day t...
by pokebowl
Fri Aug 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 149
Views: 18718

Re: International stocks in free fall

Suspicious (its not) why there are no posts to this thread in 2017. :twisted:
by pokebowl
Fri Aug 10, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 83
Views: 7125

Re: The Bigger Story: Fidelity Expense Ratios

I am unsure why one must choose only one brokerage. I myself use both. The recent Fidelity moves while welcome, are not enough for my to move my taxable brokerage holdings back to Fidelity. Vanguard still has the advantage there. Now if after a year, Fidelity shows they are keeping these price point...
by pokebowl
Wed Aug 08, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard: Foreign bond holdings should be currency hedged
Replies: 1
Views: 451

Re: Vanguard: Foreign bond holdings should be currency hedged

I personally am neutral on international bonds. This means if all my bond funds were forced to become bundled with international bonds, I wouldn't grab a pitchfork, but at the same time I will not actively seek out international bond funds for my portfolio. While Vanguard has released several papers...
by pokebowl
Mon Aug 06, 2018 2:20 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51686

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Can you explain this? What does Vanguard do differently? Vanguard currently has a patent, where their ETFs are structured as another share class of a mutual fund, like Admiral or Investor shares. This allows the mutual fund shares with an ETF pairing to benefit from the disposition of capital gains...
by pokebowl
Mon Aug 06, 2018 2:06 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51686

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I have about $60,000 in a Vanguard taxable account, in vtsax. This is my only taxable mutual fund investment. I'm going to give it about 1 month, for Vanguard to respond. That should be enough time, don't you guys think? At that time, I'm moving this entire modest taxable account to Fidelity. 0.00%...
by pokebowl
Fri Aug 03, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity eliminated $50 IRA closeout fee
Replies: 9
Views: 1452

Re: Fidelity eliminated $50 IRA closeout fee

I just did a rollover of an orphan IRA from fidelity only two weeks ago. :oops: Would have saved myself $50 bucks to wait two weeks. Oh well...
by pokebowl
Wed Aug 01, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Matter/Scatter Part 5: International stocks
Replies: 12
Views: 1565

Re: Matter/Scatter Part 5: International stocks

International I feel is the one area where a lot of investor biases come into play for various reasons. In addition, I feel it is also the one area where back testing will provide a false sense of expected U.S. out-performance. Where U.S. was relatively unscathed from the various world wars and regi...
by pokebowl
Sat Jul 28, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: Security code [Vanguard website access]

An email seems more hackable to me. As to sms code pitfalls: - some phone companies like ATT have at least now required you to have a PIN that you have to recite before making changes (like stealing your phone number to intercept sms 2fa codes - the big weakness I saw with sms is the sequence of ch...
by pokebowl
Fri Jul 27, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6007

Re: Hold one stock 25 years

Space Exploration Technologies Corp.

In 10 years they've went from none to almost a market monopoly on domestic space launches and research.
by pokebowl
Fri Jul 27, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6714
Views: 1462996

Re: U.S. stocks in freefall

http://www.isthisthebottom.com/

I base all my investment forecasts on this. :mrgreen:
by pokebowl
Wed Jul 25, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6714
Views: 1462996

Re: U.S. stocks in freefall

ReformedSpender wrote:
Wed Jul 25, 2018 8:05 pm
Remember all the doom and gloom posts from February?

S&P within a fraction of a percent of regaining all time highs.

Stay the course :beer
Facebook's stock price took this news into account as it decided to drop through the Earth's core. :mrgreen:

I jest, I jest.
by pokebowl
Mon Jul 23, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: New Vanguard Security Code Requirement

Figured this was a great recent article to link to this topic in particular due to its related to 2FA and Yubikey, which Vanguard supports, and ties into my phishing prevention soap box commentary above: Source: krebsonsecurity.com Google has not had any of its 85,000+ employees successfully phished...
by pokebowl
Sat Jul 21, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: New Vanguard Security Code Requirement

I used to do some computing at a site that required a USB dongle. Very inconvenient if you want to get some work done at home, but you left your dongle at work. As the crypto exchanges showed us during the mania in late 2017 having those usb dongles for 2FA, would have saved many of their customers...
by pokebowl
Sat Jul 21, 2018 3:16 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: New Vanguard Security Code Requirement

Regardless, you need to set up either voice authentication or an enhanced phone security password even if you do everything online as an attacker may still try to call in. The weakest link will always be the human. Be that the end customer or Vanguard employees. When its the latter you have legal o...
by pokebowl
Sat Jul 21, 2018 2:01 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: New Vanguard Security Code Requirement

Honestly, reading things like this makes me silently scream in terror as countless people in charge of security likely feel that way too. There are just as many of us (information security professionals), that would force you all to use hardware 2FA if we could. :beer That being said, Vanguard does...
by pokebowl
Thu Jul 19, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 295
Views: 18696

Re: Invest in Tesla?

I currently hold TSLA through my holdings in VTSAX and VEXAX respectively. The last time I held the stock directly was between 2013-2015. :sharebeer
by pokebowl
Wed Jul 18, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 2874

Re: International Stocks in Taxable?

The complexity piece doesn't really come to play, unless you are holding a substantial amount. I believe an amount that dishes out over 20k in foreign dividends as that kicks in several other IRS 'choose your own adventure' forms that needs to be filled out. The rest is pretty simple from my own exp...
by pokebowl
Tue Jul 17, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 180
Views: 10514

Re: New Vanguard Security Code Requirement

It's an overly burdensome solution to a problem easily mitigated with sufficiently-designed password parameters (read >12 characters with complexity requirements). 2FA here is primarily being used to mitigate time-of-use phishing attacks (A one-time-password of >12 characters with complexity is sti...
by pokebowl
Wed Jul 11, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 62
Views: 7700

Re: The value of international stocks, in pictures

I've learned (from reading the hundreds of circular debates on this forum) the decision to either add or not add international equity comes down to personal investor bias. Figured I'd get this in on page one for the lurkers, prior to this thread exploding into 20+ pages of epic back and forth debate...
by pokebowl
Mon Jul 09, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 6
Views: 1838

Re: The game of 'whack-a-mole' continues (Credit Freezes)

Belated response. It depends on your state's freeze laws if any. When I froze my account back in May NCTUE did not levy a fee.
by pokebowl
Mon Jul 09, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: Street Smart bonds
Replies: 9
Views: 854

Re: Street Smart bonds

Anybody have any experience/thoughts/opinions about these bonds returning 5% with liquidity (according to the advertisement). You will have to provide more information OP to what exactly you are referencing. Are these "crypto blockchain" smart bonds you are referring to or some other bond variant?
by pokebowl
Fri Jul 06, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4055

Re: Anyone tilting heavy to international based on current forecasts?

There were quite a few responses on market weighting - do the followers rebalance based on stocks versus bonds' respective market sizes? I can't speak for everyone, however I keep my portfolio at global equity market weight, via ensuring I check either MSCI or FTSE (whichever is updated first when ...
by pokebowl
Thu Jul 05, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: What stocks are excluded from VG’s total international funds?
Replies: 6
Views: 683

Re: What stocks are excluded from VG’s total international funds?

I think everybody so far has ignored frontier markets but as you can see in the second link above, that's about 0.25%. I believe its not so much those markets are being ignored, its more due to the fact those public markets are so tiny, your typical default passive indexing strategy has very few an...
by pokebowl
Tue Jul 03, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 12289

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

Where Were You During the Great T-Bill Massacre of 2018?
Same place as when I received the inbound ICBM alert in Hawaii, sleeping. Didn't hear jets scrambling then and didn't hear any scrambling for this "T-Bill Massacre"...so I assume the world is not ending? Do I get to sleep in?
by pokebowl
Mon Jul 02, 2018 2:49 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8131

Re: What % of your equity is int’l?

47% currently due to recent market fluctuations. I let it ride at global weight versus the US market.
by pokebowl
Wed Jun 27, 2018 2:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 42344

Re: VMMXX at 2%

I was using the Synchrony Bank HY Savings Account and they provided good service and competitive interest, but I recently moved nearly all of my cash into the VG Treasury MM Fund to eliminate the state tax liability. I may never use an online bank again, but if I did, I wouldn't hesitate to go back...
by pokebowl
Tue Jun 26, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16759

Re: IRS publishes draft 2018 1040 - Huge changes made

feehater wrote:
Tue Jun 26, 2018 8:03 am
So now a self employed person will need to include four extra schedules instead of two? So much simpler!
That is usually the modus operandi of the IRS, take something simple and complicate it. :D
by pokebowl
Mon Jun 25, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6714
Views: 1462996

Re: U.S. stocks in freefall

I feel this dip is primarily impacting those who invested in Chinese meme stocks over this last week. :mrgreen:
by pokebowl
Mon Jun 25, 2018 5:19 am
Forum: Investing - Theory, News & General
Topic: As time goes on, will total market investing become more perfect, and tilting strategies less?
Replies: 18
Views: 1509

Re: As time goes on, will total market investing become more perfect, and tilting strategies less?

With new up and coming brokerages handing out options and margin accounts like candy to new and young investors alike (even against crypto), as well as communities such as WSB mocking that whole dynamic overall...I believe we have a long time yet to get to where everyone is agreeing passive total ma...
by pokebowl
Sat Jun 23, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11110

Re: Feel like I'm sinking money into international

How does everyone else just stick to their IPS with no questions asked? Do you ever re-evaluate? I do re-evaluate but usually its not due to performance. If I re-evaluated and changed my holdings every time one fund or sector wasn't performing to my expectations I'd never get anywhere. If you want ...
by pokebowl
Sat Jun 23, 2018 4:05 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 138
Views: 24511

Re: Is it time to dump high yield savings for prime money market?

Doc wrote:
Sat Apr 21, 2018 9:54 am
grayfox wrote:
Sat Apr 21, 2018 9:37 am
VMMXX is now up to 1.79%. It keeps edging up. We'll be at 2% in no time.
18 June 2018 :D

http://www.cmegroup.com/trading/interes ... -fomc.html
So very close to the mark. :beer
by pokebowl
Fri Jun 22, 2018 5:40 am
Forum: Investing - Theory, News & General
Topic: Robotics and Space Investing?
Replies: 5
Views: 468

Re: Robotics and Space Investing?

The only group attempting to dive into that area currently I believe is Procure. There was a recent SEC filing on their proposed ETF "UFO" . The Procure Space ETF (UFO) will track the S-Network Space Index, which covers companies that generate the majority of their revenues from business activities ...
by pokebowl
Thu Jun 21, 2018 5:04 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33642

Re: What is/ was your career and would you recommend it now?

Information Security. Suppose its cooler or more trendy these days to call it Cyber Security. Regardless yes I would still recommend it as a career choice. However as with all things technology related, it rapidly changes, as does it's barriers to entry. When I first launched into this career, no de...
by pokebowl
Mon Jun 18, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: A different theoretical view of SWR
Replies: 63
Views: 4055

Re: A different theoretical view of SWR

As far as I know the 4% number was never claimed to be valid for a global portfolio which virtually every Boglehead implements today. Several studies have been done by various groups and individuals. Wade Pfau's work often gets cited here. Tyler over at Portfolio Charts is another relatively recent...
by pokebowl
Sat Jun 16, 2018 3:49 am
Forum: Investing - Help with Personal Investments
Topic: Back to Treasurys...
Replies: 17
Views: 2084

Re: Back to Treasurys...

Jerry55 wrote:
Sat Jun 16, 2018 12:20 am
As of the July 1 2017, the income tax rate in Illinois was increased from 3.75% to 4.95%. :annoyed
4.95% sounds like a dream. 8-) I pay over 9% to my state.
by pokebowl
Thu Jun 14, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: International bonds - lazy portfolios
Replies: 6
Views: 1102

Re: International bonds - lazy portfolios

Iceport, Thanks for sharing these details. I have been trying to align my portfolio much better as it is passing into 7 seven figure territory and more and more this is no longer about savings rate as much as getting the allocation balanced. I noticed in the Vanguard Portfolio Analysis tools that t...
by pokebowl
Sat Jun 09, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4975

Re: $1M Question

aegis965 wrote:
Fri Jun 08, 2018 2:51 am
r/wallstreetbets
If you are going to link to such a place of awe and wonder, you better have at least half your portfolio in meme stocks on margin. :beer
by pokebowl
Tue Jun 05, 2018 4:31 am
Forum: Investing - Theory, News & General
Topic: Dilemma: what if companies stopped going public?
Replies: 27
Views: 2827

Re: Dilemma: what if companies stopped going public?

I enjoyed reading this old spacex memo statement from ~2014 with regards to Elon's stance on being forced into the public space for Tesla, issues with public investors and his desire to keep his most profitable company, spacex private as long as possible: Per my recent comments, I am increasingly co...
by pokebowl
Wed May 30, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6714
Views: 1462996

Re: U.S. stocks in freefall

lostdog wrote:
Wed May 30, 2018 11:39 am
Interesting year so far. We keep crossing 500k in investments. I lost count on how many times we went back and forth. We just keep investing as scheduled. A good year to keep accumulating.
I see you are following the voyager investment strategy.

Image
by pokebowl
Tue May 29, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 13543

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

VTWSX (Total World Stock): 8099 stocks VTSAX (Total Stock Market): 3629 stocks VTIAX (Total Int'l Stock): 6327 stocks Why doesn't the top one total the number of holdings of the other two? I personally only get into investing beyond a little bit in my 401k in the last year. I do a split of 75% VTSA...
by pokebowl
Tue May 29, 2018 4:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6714
Views: 1462996

Re: U.S. stocks in freefall

Appears it is going to be one of those days, thanks to EMEA. :beer Futures are all over the place this morning.
by pokebowl
Fri May 25, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 214
Views: 33975

Re: Ally online savings now at 1.60%

For those who use Barclay's, I just got the following email this evening:
We're happy to tell you that your savings account(s) rate increased from an Annual Percentage Yield (APY) of 1.50% to a new APY of 1.65% on 05/23/2018.
Appears their HY savings account is now going to 1.65%.
by pokebowl
Tue May 22, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4678

Re: Bed Bugs

Pajamas wrote:
Tue May 22, 2018 10:36 am


Moving away from an infestation carries a huge risk that you simply carry bed bugs with you to your new dwelling. You're lucky that it didn't happen to you.
Huge risk maybe if don't do it correctly. :wink:
by pokebowl
Tue May 22, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4678

Re: Bed Bugs

For those who have dealt with this or have knowledge about bed bug infestations: 1. Posts above indicate the bed bug sniffing dog is important, yet googling indicates there is skepticism about the dogs. Which is it? 2. Some indicate treating only the affected area, some the entire structure. Has an...
by pokebowl
Mon May 21, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6460

Re: What’s your phone/internet bill?

SagaciousTraveler wrote:
Sun May 20, 2018 5:42 pm

Wow. 300mbs for 39.99?
One of the few perks of being stuck in the middle of the pacific ocean. :wink:
by pokebowl
Mon May 21, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3709

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Now if only they would offer admiral shares of VTWSX. :beer I am not a fan of international bonds. They make more sense to hold at "market weight" for non-US investors than plain ol' US based on all the papers I've seen released over the last several years. Not opposed to them, just wouldn't go out ...
by pokebowl
Sun May 20, 2018 5:35 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6460

Re: What’s your phone/internet bill?

We use Google Fi for cell phones which costs us $20 for the first line, $15 for the second and $10/GB for data (only the amount used). We typically use less than $5/month for data and taxes and fees are about $8 so total charges are less than $50/month for cell phones. This is interesting, what has...