Search found 1409 matches

by HawkeyePierce
Fri Sep 18, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 39
Views: 2455

Re: Relocation - CO considerations?

Very much disagree with you statement that air pollution is mostly around Commerce City and Rocky Mt. Arsenal. Denver is really in a basin that extends from Ft. Collins to Monument Hill. Go to high spot north or east of town on a winter day (really November thru March). Observe the thick brown clou...
by HawkeyePierce
Fri Sep 18, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 39
Views: 2455

Re: Relocation - CO considerations?

I've lived in Boulder for the last six years. 1) Weed. You are unlikely to encounter this in public any more often than you encounter cigarette smoking in public. Yeah, if you hang out near CU on 4/20 you'll smell it but other than that it's a non-issue. 2) Traffic. Yeah, it can be bad. OTOH, if you...
by HawkeyePierce
Tue Sep 15, 2020 11:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 79
Views: 6715

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

My recommendation to vastly improve your cybersecurity: Thanks for your wonderful recommendations. Very helpful, especially to people like me who are still using SMS based 2FA...time to buy ubikeys. I consider accessing a financial institution via their app to be *more* secure than using their webs...
by HawkeyePierce
Tue Sep 15, 2020 11:35 pm
Forum: Investing - Theory, News & General
Topic: You are probably invested in Bitcoin now
Replies: 36
Views: 2948

Re: You are probably invested in Bitcoin now

I would imagine VTI already held some Bitcoin via Square as they've been quite active in crypto for a while now.
by HawkeyePierce
Fri Sep 11, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Apps Security- Unauthorized usage
Replies: 7
Views: 583

Re: Apps Security- Unauthorized usage

1) Your phone is more secure than your PC. An app is always more secure than the same company's website (you can't get phished). 2) Who cares if your credit card gets compromised? You aren't on the hook for it. 3) If you have an iPhone look for sites/apps that support Apple Pay, then if the merchant...
by HawkeyePierce
Thu Sep 10, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Too much S&P 500 index concentration in FAAMGs?
Replies: 67
Views: 3917

Re: Too much S&P 500 index concentration in FAAMGs?

So FAAMG are 24% of the S&P500.

If you hold an 80/20 portfolio with 30% in international, they're now 12% of your holdings. Much less of a concern.
by HawkeyePierce
Thu Sep 10, 2020 10:09 pm
Forum: Personal Investments
Topic: Companies that will allow me to do Mega Roth Conversions?
Replies: 11
Views: 736

Re: Companies that will allow me to do Mega Roth Conversions?

Pretty common in Silicon Valley these days but often with a salary cap. We cap after-tax 401k contributions at 10% of cash comp.
by HawkeyePierce
Fri Sep 04, 2020 11:57 pm
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 4975

Re: Buying guns not an option, what else

Is your concern preventing home invasions? Get a dog Upgrade your deadbolts to Class 1 locks and install reinforced strike plates Ensure windows can't be jimmied open (eg if you have horizontal sliders, put a wooden dowel in the track) Install motion-sensing lights around exterior doors/gates Instal...
by HawkeyePierce
Thu Sep 03, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743768

Re: U.S. stocks in free fall

I make no claims to understand the market's incredibly confusing behavior this year but I just bought more NTSX in my taxable account anyways.
by HawkeyePierce
Thu Sep 03, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: No more Nikon DSLR at Costco?
Replies: 23
Views: 1711

Re: No more Nikon DSLR at Costco?

I would not make the jump to mirrorless just yet. At least on the Canon side, their prosumer mirrorless line (EOS M) is likely to be discontinued soon and their pro line (EOS RF) is still pricey—Canon hasn't yet released RF equivalents to their SLR lenses in the sub-$500 market. Since this is for a ...
by HawkeyePierce
Thu Sep 03, 2020 8:51 am
Forum: Personal Investments
Topic: VITAX curious [Vanguard Information Technology Index Fund]
Replies: 68
Views: 2294

Re: VITAX curious

26% of VTSAX is in technology. You've already got plenty of exposure to that sector.
by HawkeyePierce
Wed Sep 02, 2020 11:24 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14623

Re: What is your age and asset allocation ?

30. 80/20, equities split 2:1 US:intl.
by HawkeyePierce
Wed Sep 02, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 1958

Re: Where to buy disinfectant wipes?

They've been reliably in stock at my local Ace Hardware.
by HawkeyePierce
Wed Sep 02, 2020 12:25 pm
Forum: Personal Investments
Topic: How Do You Factor Stocks and Options from Employer in Your AA?
Replies: 18
Views: 478

Re: How Do You Factor Stocks and Options from Employer in Your AA?

I sell vested RSUs immediately. Unvested RSUs are not part of my AA because I do not own them.
by HawkeyePierce
Tue Sep 01, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: How did you make your home office well-lit? Any suggestions?
Replies: 20
Views: 1322

Re: How did you make your home office well-lit? Any suggestions?

A dual-bulb uplamp, an articulated task lamp directly over my work surface, a desk lamp on the desk and a table lamp on a book shelf behind me.

Plenty of light.
by HawkeyePierce
Mon Aug 31, 2020 9:21 pm
Forum: Personal Investments
Topic: Preferred stock in place of bonds: Burton Malkiel
Replies: 11
Views: 787

Re: Preferred stock in place of bonds: Burton Malkiel

I listened to a recent MorningStar podcast where Burton Malkiel was interviewed. It was a great podcast. The topic of low yield environment came up and Dr. Malkiel suggested investing in preferred stocks rather than bonds (and that the investor must take more risk) to get a better yield than curren...
by HawkeyePierce
Mon Aug 31, 2020 5:54 pm
Forum: Investing - Theory, News & General
Topic: Best place to place cash given low yields of MM funds?
Replies: 7
Views: 1347

Re: Best place to place cash given low yields of MM funds?

Option 3) Just accept low yields as the cost of insurance when it comes to an emergency fund. I keep my emergency fund in no-penalty CDs at Ally. Currently they're still yielding >1% but I'm assuming that when they start to mature next year the new CDs will earn much less. In my mind, that's just th...
by HawkeyePierce
Sun Aug 30, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: Stock that can act like bonds
Replies: 31
Views: 2217

Re: Stock that can act like bonds

No. A bond is contractually guaranteed to pay back full principal and interest, a stock is dependent upon the good fortune of the company. If the company fails to pay the bond coupon or the principal they will be on default and a court can remedy that situation, if a stock fails to pay - tough luck...
by HawkeyePierce
Sun Aug 30, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Stock that can act like bonds
Replies: 31
Views: 2217

Re: Stock that can act like bonds

TANSTAAFL.

Low-vol stocks are still stocks. Better to choose an asset allocation including both stocks and bonds that meets your desired risk tolerance.
by HawkeyePierce
Fri Aug 28, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: If International, what specifically?
Replies: 88
Views: 6995

Re: If International, what specifically?

My international allocation is 15% ISCF (intl small cap multifactor), 8% XSOE (EM ex-state owned) and 8% VWOB (EM USD govt bonds).
by HawkeyePierce
Fri Aug 28, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Does Canada's RBC operate in the US?
Replies: 4
Views: 304

Re: Does Canada's RBC operate in the US?

8foot7 wrote: Fri Aug 28, 2020 11:48 am Yes, RBC bought Centura Bank and operated as RBC Bank in the US for a while, but sold all US assets to PNC. There is no longer any US presence for RBC.
RBC Wealth Management is still present in the US. I live down the street from one of their branches.
by HawkeyePierce
Wed Aug 26, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3600

Re: Question about Password Managers

So you should have by now changed your password on Adobe.com, as well as on any other site where you may have used the same password. I have used the same usernames, email addresses and passwords or a few variations there of, for over 20 years and on probably over 500 sites I registered on. Have ne...
by HawkeyePierce
Sun Aug 23, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?
Replies: 44
Views: 3190

Re: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?

How dreadful that there is a major fire in the gorgeous Glenwood Springs Canyon area. (Maybe it isn't in the canyon itself??) Driving into that from the Denver area for the first time was... absolutely breathtaking! That included the dark green trees against the red rock. I hope those trees are sti...
by HawkeyePierce
Fri Aug 21, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9576

Re: Vacationing safely in the era of Covid - How did you do it?

I'm renting a campervan for two weeks. It's a converted VW Eurovan, not a giant RV. Planning a photography trip around Colorado, maybe jaunting over to Moab depending on weather. I'll be staying at forest service campgrounds or dispersed camping areas.
by HawkeyePierce
Tue Aug 18, 2020 9:00 pm
Forum: Personal Investments
Topic: Why does my parent's retirement plan have so many funds in it?
Replies: 16
Views: 1740

Re: Why does my parent's retirement plan have so many funds in it?

I guess I meant duplicate funds for the same asset classes. I am sure there are differences in the underlying holdings but I am confused as to why there is the need for 3 small cap funds, for example. (Why is there ever the need for more than one asset class?) The Vanguard small-cap fund is an inde...
by HawkeyePierce
Tue Aug 18, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8278

Re: Should I become a Professional Gambler?

I love a good game of hold'em and I've been known to spend lots of hours at the low-limit tables at the Mirage when I'm in Vegas, but this sounds like a miserable way to make a living. If you've got the stats skills and intuition to do well at poker you could make much more reliable money as a data ...
by HawkeyePierce
Tue Aug 18, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 7993

Re: Ally Bank Horror Story: Is this right?

I can also confirm that Schwab's bill pay does *not* deduct the payment until the check is cashed, and you get a scan of the check. I use it to pay my rent as my landlord doesn't accept any electronic payment methods. My landlord often takes a few days to cash the check, but since I use YNAB I simpl...
by HawkeyePierce
Fri Aug 14, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Dance Lessons
Replies: 13
Views: 833

Re: Dance Lessons

I've been swing dancing for years, including in performance groups. 1) There's no avoiding covid in the discussion. I live in Colorado and every swing dance group in Boulder and Denver has canceled all events, classes and lessons until further notice. You may want lessons but may not be able to find...
by HawkeyePierce
Thu Aug 13, 2020 10:15 am
Forum: Personal Investments
Topic: Where to direct a new investor?
Replies: 15
Views: 1071

Re: Where to direct a new investor?

If You Can by William Bernstein, a Boglehead himself. It's short and sweet.

http://tuttle.merc.iastate.edu/Bernstein_If_You_Can.pdf
by HawkeyePierce
Wed Aug 12, 2020 5:29 pm
Forum: Personal Investments
Topic: Is there any Canadian Bond ETF available to USA investors?
Replies: 6
Views: 457

Re: Is there any Canadian Bond ETF available to USA investors?

Can I ask... why? That's an extremely niche asset class.
by HawkeyePierce
Wed Aug 12, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: SPTM (S&P 1500 etf) vs VTI (market)?
Replies: 14
Views: 756

Re: SPTM (S&P 1500 etf) vs VTI (market)?

They're going to track so closely it won't matter.
by HawkeyePierce
Tue Aug 11, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: Is there an ETF for equities with stable cash flows?
Replies: 23
Views: 945

Re: Is there an ETF for equities with stable cash flows?

TTAC is an actively managed ETF that selects companies based on their free cash flow. It's expensive at 0.59% and historically has tracked pretty closely to the S&P500, so IMO it's not worth the cost.
by HawkeyePierce
Mon Aug 10, 2020 4:00 pm
Forum: Personal Investments
Topic: PAS moving from index funds to ETFs
Replies: 56
Views: 3828

Re: PAS moving from index funds to ETFs

GFAFX 10.52% (This Growth Fund of America was from LPL, they recommended to keep it) Curious why PAS recommended you keep this fund. Expense ratio is 0.68. Is there a tax reason to not invest in a different fund? When I was at LPL, I had a lot of dividend stocks that Vanguard sold when I moved over...
by HawkeyePierce
Mon Aug 10, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: Real life example of 7 digit 401k/Roth IRA portfolios
Replies: 60
Views: 6214

Re: Real life example of 7 digit 401k/Roth IRA portfolios

I'm currently at about $250k in my 401k and Roth IRA. I max out all my contributions ($19,500 T401k + $6,000 Roth IRA + $15,500 MBR + $3,000 match = $44,000). I hope to hit a 7 figure balance in about 9 years (but of course there are big error bars on either side of that).
by HawkeyePierce
Sun Aug 09, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Honda FIT
Replies: 50
Views: 2551

Re: Honda FIT

I have a 2011 Fit. Love it.

That said, I was already thinking about replacing it with a Civic hatchback next year. I'd like something with less road noise + Carplay. After 10 years I'll have gotten my money's worth out of this car.
by HawkeyePierce
Wed Aug 05, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: How do the tech giants exceed expectations so consistently?
Replies: 25
Views: 2059

Re: How do the tech giants exceed expectations so consistently?

foodhype wrote: Wed Aug 05, 2020 12:00 pm Why can't the market just price in a "tech giant" factor? This seems more like a known unknown than an unknown unknown.
How do you price in the creation of a new business that wasn't possible twelve months earlier?

Keep in mind: most tech ventures fail, even those from the giants.
by HawkeyePierce
Wed Aug 05, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: How do the tech giants exceed expectations so consistently?
Replies: 25
Views: 2059

Re: How do the tech giants exceed expectations so consistently?

Because, in the words of Marc Andreessen, software is eating the world. The tech giants aren't just exceeding expectations on their existing lines of business, they're continuously entering into new lines of business. Amazon went from books to general retail to logistics to cloud computing to entert...
by HawkeyePierce
Wed Aug 05, 2020 9:17 am
Forum: Personal Investments
Topic: VEA instead of VXUS? [Vanguard Developed instead of Total international]
Replies: 44
Views: 2619

Re: VEA instead of VXUS?

VXUS is 25% of your current portfolio. 12% of VXUS is in EM equities. 12% x 25% = 3% Allocating 3% of your portfolio to emerging markets, or not, is unlikely to make any noticeable difference. Flip a coin, this decision isn't going to make or break you. One of these lines is your current portfolio, ...
by HawkeyePierce
Tue Aug 04, 2020 5:22 pm
Forum: Investing - Theory, News & General
Topic: How should I think of HEDGEFUNDIE's portfolio in terms of asset allocation?
Replies: 26
Views: 830

Re: How should I think of HEDGEFUNDIE's portfolio in terms of asset allocation?

I don't include it in my AA because I do not add or remove funds from that allocation.
by HawkeyePierce
Tue Aug 04, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Venmo newly asking for personal information?
Replies: 20
Views: 2136

Re: Venmo newly asking for personal information?

Your phone is almost certainly more secure than any other device you have. An iPhone is fully encrypted and with a proper passcode, nobody's getting in.
by HawkeyePierce
Tue Aug 04, 2020 12:43 pm
Forum: Personal Investments
Topic: Vanguard small cap value
Replies: 9
Views: 701

Re: Vanguard small cap value

I keep wondering what is the point of factors or smart beta. You are deviating from the market yet you are taking a huge risk that the metrics you use might be obsolete. Price to Book is not working for example recently. There is also a risk that you could be buying fraud companies. Also just becau...
by HawkeyePierce
Tue Aug 04, 2020 12:09 pm
Forum: Personal Investments
Topic: Can a small company offer decent 401k options?
Replies: 26
Views: 1316

Re: Can a small company offer decent 401k options?

I used to work for a 3 person company with a 401k that offered Vanguard admiral funds. It can definitely be done if the execs want it to happen.
by HawkeyePierce
Tue Aug 04, 2020 11:41 am
Forum: Personal Investments
Topic: Expanding Tech Sector Position - QQQ, ARKK or FTEC?
Replies: 26
Views: 2096

Re: Expanding Tech Sector Position - QQQ, ARKK or FTEC?

Given that megacap tech already dominates your existing funds, I'd look at smaller tech companies. Look into WCLD.
by HawkeyePierce
Mon Aug 03, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New credit card offer: U.S. Bank Altitude GO VISA
Replies: 12
Views: 1658

Re: New credit card offer: U.S. Bank Altitude GO VISA

Takes a hell of a signup offer for me to put up with US Bank. IME their website and customer service is years behind Chase or Amex.
by HawkeyePierce
Mon Aug 03, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

4) Consumer preferences for SUVs means automakers have discontinued wagons, leaving those of us who don't like SUVs with fewer choices. My #1 choice for a new car would be a compact sporty wagon with a manual transmission. As of last year, there was only a single model to offer that (VW Golf Sportw...
by HawkeyePierce
Mon Aug 03, 2020 12:53 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6310
Views: 581855

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I'm just about at the one year mark of diving into the EDV flavor of the Adventure. In that time, my allocation is up 49.57%.

(43/57 UPRO/EDV, quarterly rebals, entirely in Roth space)
by HawkeyePierce
Mon Aug 03, 2020 12:49 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8202

Re: What Car Maintenance Do You Do?

Anything beyond wiper fluid, wiper blades and air, I take it to a shop. I never go to a dealer. There's a mechanic in my town who is universally adored by anyone here with a Japanese car because his shop is trustworthy with fair pricing and their work is professional. They don't rip you off and they...
by HawkeyePierce
Mon Aug 03, 2020 12:34 am
Forum: Investing - Theory, News & General
Topic: Efficient Market Theory vs Tesla Stock Price
Replies: 68
Views: 3640

Re: Efficient Market Theory vs Tesla Stock Price

Tesla is a very polarizing company where no one can agree on the correct valuation. There are professional investors who right now think Tesla should have a price of $3000 and others who think it should have a price of $0 (well there are much fewer of those now). It seems difficult to disprove EMH ...