Search found 130 matches

by pokebowl
Tue May 22, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 40
Views: 3840

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: 40
Views: 3840

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: 76
Views: 4405

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: 24
Views: 1939

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: 76
Views: 4405

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...
by pokebowl
Sun May 20, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4405

Re: What’s your phone/internet bill?

Internet: Oceanic cable 300mb (no data cap) 39.99/mo Phone: 2 mobile lines ~100 USD /mo via Verizon. Would love to lower the phone bills in the future. However it seems every time I qualify for a discount or deduction, those random taxes and surcharge fees increase to cover the difference real quick...
by pokebowl
Sat May 19, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8338

Re: Two- Factor Authentication at Vanguard - Update

snip Thanks for the clarification and further solidifying my original point with TOTP apps. That security token "For those who need it most" Vanguard supports today for us lesser people as well :D. if they would just omit the various fall back system, they would have proper 2FA. Still as I also men...
by pokebowl
Sat May 19, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8338

Re: Two- Factor Authentication at Vanguard - Update

I would love to see a link to an article reporting on how authentication apps have been beaten in the real world. If you want actual papers or presentations on the subject, here is a good one from Google. I can look up some additional ones later after work and post back. Real life examples that com...
by pokebowl
Tue May 15, 2018 5:03 am
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8338

Re: Two- Factor Authentication at Vanguard - Update

You mentioned VG already supports token based auth and U2A. I would still feel more confident in using authenticator app since the generator key cannot be replicated or reused since it's not stored anywhere. That feels a lot more secure than a keychain generating numbers somewhere or however the to...
by pokebowl
Mon May 14, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8338

Re: Two- Factor Authentication at Vanguard - Update

Is vanguard even considering 2FA compatible with an authenticator app? SMS or email 2FA is useless if your computer is compromised. Vanguard already supports hardware token based auth and U2A I believe. No reason to prioritize a TOTP authenticator app on top of that which would be technically less ...
by pokebowl
Sun May 13, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1424

Re: VTWSX Question

TSM and TISM are a better bet than the Total World fund. 1) Total US Stock Market + Total International Stock Market holds approximately 1800 more total stocks than the total world fund. 2) Lower expense ratios 3) Still incredibly simple Probably won't make much of a difference in the end--I just p...
by pokebowl
Fri May 11, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 4
Views: 1261

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

Source: https://krebsonsecurity.com/2018/05/another-credit-freeze-target-nctue-com/ I spent a few days last week speaking at and attending a conference on responding to identity theft. The forum was held in Florida, one of the major epicenters for identity fraud complaints in United States. One grip...
by pokebowl
Mon May 07, 2018 5:03 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16837

Re: What Percentage CASH are you?

50% cash and rising. This bull run almost 10 years old. Have $1.5M cash currently to deploy after next crash for next bull run. I have a few acquaintances of mine that also hold similar stances. Unfortunately they all completely missed out on the market corrections of 2011, 2015, 2016, 2018 and sho...
by pokebowl
Sat Apr 28, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

How panicky will investors be after what happened after 20008 ? I think, very little. Unpleasant yes; sell? No. John Titor is that you? On a serious note, while I do not see this community panicking as much, some of the other communities I frequent may not fair so well. We've been in a fairly consi...
by pokebowl
Sat Apr 28, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

[edit] Double posted. :?
by pokebowl
Wed Apr 25, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Ever ship/transport a car?
Replies: 14
Views: 1011

Re: Ever ship/transport a car?

I’ve shipped my cars across both ponds (Pacific and Atlantic) as well as across the mainland U.S. I’ve found companies when it comes to US shipping will usually use a train transportation method if its coast to coast, and then have you the customer rendezvous at a designated stop/ depot to inspect a...
by pokebowl
Tue Apr 24, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5431

Re: Selling a car: how to get paid?

I would be hesitant to accept cash depending on the state, especially if said states have aggressive asset forfeiture laws. It would be a real pity to receive several thousand in cash from the purchase, only to get pulled over for a speeding ticket on the way home and have the police take your money...
by pokebowl
Thu Apr 19, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2086

Re: Vanguard customer experience

I've transferred both a Roth and Trad IRA to Vanguard from Fidelity in the past. The entire process for both, end to end was 72 hours. Started on a Monday, and completed by Thursday. While I know Vanguard is notorious for mix ups. I also feel its an issue with the brokerage or bank you are transferr...
by pokebowl
Wed Apr 11, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1929

Re: Emergency Fund Investing

I used to keep mine in a high yield savings account since the financial crisis, however with Tbills and money markets now beating high yield online accounts, I've since moved my money over. The state tax break is a nice perk as well. Grand scheme of things the additional yield won't really be buying...
by pokebowl
Tue Apr 10, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area - Switch Companies to Avoid Price Out?
Replies: 18
Views: 2572

Re: Bay Area - Switch Companies to Avoid Price Out?

Fellow IT consultant here. Usually the basic advice I myself and those I've been bouncing around the industry with is, if you are locked out of any upward opportunities (promotions or projects that allow for significant salary compensation), you give your position two to three years maximum then bou...
by pokebowl
Mon Apr 09, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Money Market Funds
Replies: 13
Views: 2324

Re: Money Market Funds

Noobie question please: Is a Treasury Money Market 🦅safer than Prime Money Market :?: It's still not FDIC , but I think someone's else on this board posted that it's more solid. Thanks in advance. It would depend on which funds in particular you are talking about. In most cases yes, Treasuries are ...
by pokebowl
Mon Apr 09, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2608
Views: 495157

Re: What's Your Credit Card Rewards Strategy?

We haven't used the miles yet. The airfare is one thing, but the hotel room costs in Hawaii are crazy. We may need to figure out ways to use those miles on partner airlines, as we don't want to let 100k miles expire. Awardwallet is very useful for tracking miles/points expiration. Really depends on...
by pokebowl
Mon Apr 09, 2018 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7025

Re: Your Monthly Cost of Living

What is your total monthly cost of basic living? 1. Housing: rent/mortgage/utilities 2. Transportation: car, insurance, license, registration, gas, maintenance 3. Food: groceries, restaurants 4. Other Not including fun stuff, entertainment, hobbies, or travel Hawaii reporting in: 1. Housing: $2552 ...
by pokebowl
Sat Apr 07, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Blackrock: new portfolios which remove exposure to civilian firearms
Replies: 34
Views: 1832

Re: Blackrock: new portfolios which remove exposure to civilian firearms

First it was tobacco. Then fossil fuels. Now guns. Without getting too sarcastic and on a soap box, I see no issues with giving investors choices as long as these types of products stay within the realm of secondary offerings and not forced upon larger default funds. At the end of the day I want my ...
by pokebowl
Fri Apr 06, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 12669

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

jehovasfitness wrote:
Thu Apr 05, 2018 8:40 pm
Market is volatile because times are volatile. Not political just reality
Same as it ever was. Actually from a market perspective, its been abnormally calm up to 2018.
by pokebowl
Mon Apr 02, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

I don't understand. I put in my monthly taxable account order for today. The market should be up today and drop tomorrow. Thats my fault I am afraid. This is a result of my rolling one of my IRAs over on Thursday. The investments all cleared then, thus today I am enjoying the sea of red on my new a...
by pokebowl
Mon Apr 02, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Short-term Treasury bills while we move and re-allocate portfolio
Replies: 16
Views: 1406

Re: Short-term Treasury bills while we move and re-allocate portfolio

Could you explain a little about what autorolling is? Wouldn't you want to pick them yourself rather than something automatic? Direct from the source : This service allows you to purchase certain eligible U.S. Treasuries and CDs, then—once the position reaches maturity—arrange for the proceeds of t...
by pokebowl
Thu Mar 29, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 9356

Re: What is the endgame for Millennials?

triceratop wrote:
Thu Mar 29, 2018 2:29 pm
Never mind, according to this report, I am too young to be a millenial. :shock: 8-)

I retract my previous comment.
Get off my lawn generation Z. I kid, but honestly what is the cut off?
by pokebowl
Thu Mar 29, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 9356

Re: What is the endgame for Millennials?

Not sure how recent this study really was. Looking at the study samples, unless I am mistaken they used pre 2014 up to 2014 data for this study? While no real year limit is officially defined for what makes up a "millennial", using pew research in 2014 the oldest millennial per pew's definition woul...
by pokebowl
Thu Mar 29, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35170

Re: What's your U.S. : International ratio?

Thanks! Does it make more sense to track the benchmark instead of the fund itself, which would put it at 52.1% instead of 52.6%? Not that it makes a difference, just for arguments sake. What I personally do is look at the current benchmark then round up or down to a whole percentage point for easie...
by pokebowl
Tue Mar 27, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

This sums up investor sentiment on the various investing communities I participate in:

Image
by pokebowl
Tue Mar 27, 2018 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3449

Re: Online Savings Account Reservations???

Does anyone use laddered Treasury bills (bills meaning maturities of 52 weeks or less) for savings of a year or so of expenses? Rates seem much better than your basic online savings and are also generally better than CDs for a year or less. It seems like this could be done in a taxable brokerage ac...
by pokebowl
Tue Mar 27, 2018 3:22 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19190

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

And, yes, color me xenophobic but it makes me just a bit nervous to see the extent to which Vanguard (and other?) money market mutual funds are investing overseas. Prime Money Market is currently showing 43% "Yankee/foreign." I have a decent amount of trust in Vanguard's prudence, but 43% internati...
by pokebowl
Mon Mar 26, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Passive Investing leading to new brokerage fees?
Replies: 7
Views: 1044

Re: Passive Investing leading to new brokerage fees?

Keep in mind it depends on the platform. I am not familiar with the Baader Bank in Germany, however I am familiar with IB and those types of brokerages market toward and cater to active investors, day traders etc. Doesn't mean they would exclude passive investors, you still are a potential customer ...
by pokebowl
Mon Mar 26, 2018 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3578

Re: Computer Security

iMac or MacBook Pro. No security software for the last decade or so of ownership and never one problem I'll bet you all the tea in China, if Mac had the global market footprint of windows and or maintained critical systems such as with Linux, it would be just as targeted. Even with its footprint in...
by pokebowl
Fri Mar 23, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

I hope the market stop here for another 10 years until I load them up. Would you really keep investing regularly if the market had a 0% return over 5 years, let alone 10? I will keep invest as long as it's not turning negative. You can liquidate it at no loss if you need money and also stay the sam...
by pokebowl
Thu Mar 22, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13833

Re: Working till retirement is not a great plan

See this in action where I work and as a mid 40s person it is concerning. All my future calculations are being done on an assumption that my salary will go DOWN in the next 10 years (which is not great). I think this is reality at least in the tech sector. I've found in tech, as long as you stay ou...
by pokebowl
Thu Mar 22, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

I see some volatility has returned to the market this evening. My response?

***Increases bi-weekly 401k contribution to maximum (95% of paycheck). :twisted:
by pokebowl
Mon Mar 19, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

This drop is great for me! I did a 401k to IRA transfer last week and am buying at the close of business today. If today's drop holds, I'll be at least 2% in the black as a result of the buy/sell timing. :D Found the catalyst for today's events. Just need to write a MarketWatch article on you, and ...
by pokebowl
Sun Mar 18, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Bought myself a private island
Replies: 44
Views: 8470

Re: Bought myself a private island

Great post! Challenged me to googling.... https://www.privateislandsonline.com/search?q=&availability=sale&price_range=0:500000&size_range=0:9950 Turns out that there are now 179 islands for sale for $500k or less. Who knew? Didn't realize being a bond villain would be so cheap these days. Does the...
by pokebowl
Tue Mar 13, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9022

Re: Who's doing 100% international equity?

For those BHs living in the US, was wondering who's invested 100% in international equities only. Why are you doing this, what are the advantages, how's it going? Is this the answer to the "Why international" discussion? Overall I can see no reason why a U.S. based investor to be 100% in internatio...
by pokebowl
Fri Mar 09, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19896

Re: Why International again?

I don't see the need for investing in companies that aren't headquartered in Minnesota and surrounding states. The Mairs and Power Growth fund does this and has outperformed the S&P 500 for decades. Minnesota companies sell products and earn profits not only to the entire the rest of the US, but to...
by pokebowl
Thu Mar 08, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Inflation protection/investments for medium term savings
Replies: 13
Views: 1327

Re: Inflation protection/investments for medium term savings

radiowave wrote:
Wed Mar 07, 2018 11:12 pm
T-Bills are getting close to CD rates though not FDIC.
Not sure why that would matter, you are just cutting out the middle man at that point. :)
by pokebowl
Sun Mar 04, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8338

Re: Two- Factor Authentication at Vanguard - Update

I am not personally a fan of Vanguard's 2FA offerings. Its understandably designed for availability over security (take note those studying for infosec certs), which means its designed with the assumption that its users will lose access and offers multiple workarounds. Even if you use the Yubikey op...
by pokebowl
Thu Mar 01, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

It is more likely they are more worried about retaliatory tariffs that will ignite trade wars. I, of course, have no idea what is going to happen.. but I believe the market selloff is due to the worry over the response to the tariffs, and the possibility of kicking off a tit-for-tat trade war with ...
by pokebowl
Wed Feb 28, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Your Paradigm for Long-term Inflation Risk?
Replies: 29
Views: 1810

Re: Your Paradigm for Long-term Inflation Risk?

Today, I''m leaning more to the "tail risk" view of inflation and that, absent armed conflict in the Persian Gulf, taking special measures to hedge against high inflation is probably insuring against a fairly unlikely event (and thus I sold my Vanguard Energy Fund a few years ago). In short, high i...
by pokebowl
Wed Feb 28, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1403720

Re: U.S. stocks in freefall

Leif wrote:
Tue Feb 27, 2018 10:32 pm
I just popped a positive YTD yesterday, but now it is gone.
The market giveth and the market taketh away.
by pokebowl
Fri Feb 23, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check - Switch to Total World (VTWSX)?
Replies: 5
Views: 874

Re: Portfolio Check - Switch to Total World (VTWSX)?

Just a quick update for those also considering VTWSX. As of Feb 2018, this fund's ER has been lowered to 0.19% and the number of stocks has been increased to ~8005.
by pokebowl
Thu Feb 22, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 31
Views: 4609

Re: Evidence that retirement account ID theft is increasing

Unlike the author, I wouldn't call this retirement account hacking, more like social engineering the help desk support which is nothing new. If anything this illiterates the absurdity of having to use partial SSNs, addresses, etc as verification methods when phoning brokerages for account access. I ...