Search found 184 matches

by curiouskitty
Sat Dec 16, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds in December
Replies: 8
Views: 1818

Re: Buying funds in December

grabiner makes excellent points (as usual) I'll just add that by buying in December, you will have held for a year next December and will qualify for long term capital gains tax treatment should you want or need to sell. Better to hold much longer than a year typically, of course, but it does give y...
by curiouskitty
Sun Dec 10, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10672

Re: Interesting ride so far - Crypto-curriencies

If you're certain that bitcoin is a bubble or a Ponzi, you can short it. Coinbase is a mainstream, well-insured exchange that you can use to purchase a short. Then, if the value of bitcoin plummets, you'll profit significantly. Have any bogleheads shorted bitcoin? There is no vehicle to short bitco...
by curiouskitty
Wed Dec 06, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29676

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

With all respect to Mr. Bogle, he missed the boat on Bitcoin and saying "we'll talk when it hits $100" is a nice talking point but rather meaningless. Whether Bitcoin (and other coins) continue to go up or not, the amount of Bitcoin mined will decrease over time leading to scarcity. Even assuming th...
by curiouskitty
Wed Dec 06, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 10060

Re: Want to sell my Bitcoin, but when?

Hold out for $20k. At this rate, its only a few months away :beer
by curiouskitty
Wed Dec 06, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Crypto-Currency
Replies: 29
Views: 3285

Re: Crypto-Currency

Still lots of money to be made but be careful and don't invest in some random ICO. In my opinion, look for a solid team with a good track record with Bitcoin, Ethereum, etc. and invest in some of their new projects. If one blockchain gets ahead on scaling, the market will likely reward them handsome...
by curiouskitty
Wed Dec 06, 2017 3:53 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24795

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Everyone always talks about the high transaction fees of Bitcoin and they are high compared to the other coins. But the speed vs. cost of all the coins that I've used are still much better than the banking system. No non-"business days", no $35 wire fee, no Western Union, etc. The only thing that c...
by curiouskitty
Wed Dec 06, 2017 3:21 am
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 3149

Re: Considering Building Gaming PC - Good Builds/Price Points?

Just get the Nvidia 1080 and set it to mine some coins while you sleep :wink:
by curiouskitty
Mon Dec 04, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24795

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

True I was specifically talking about Bitcoin as that's what most non-tech people know of. It's way past it's peak and in the secondary market now but you can still use a single computer's non-dedicated GPU to mine your just not going to get anywhere fast and others will beat you to the chain you a...
by curiouskitty
Mon Dec 04, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24795

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

The best argument is that it *could* become a convenient currency for exchange, although price is too erratic (and the transaction costs have come to high) for it to be used for that purpose. The best arguments are for things like Ethereum that offer smart contracts and programmable money. Everyone...
by curiouskitty
Mon Dec 04, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24795

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Only if your a early miner. I sold my last coins when it hit $7k and haven't looked back due to buggy wallet code. It's now a secondary marked for BitCoin's == people buying pre-mined coins just to sell high. Maybe one of the new ones coming up but the days of just using your sub $300 graphic card ...
by curiouskitty
Fri Sep 22, 2017 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 56
Views: 7646

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Subscribing. Sad that the first I'm hearing of this is here, and not from Alliant. Interested in where people are moving to. I have an account with Optum with the fee covered by work. They offer Vanguard funds at normal expense ratios so I will transfer there. Not sure how much the monthly fee is w...
by curiouskitty
Fri Sep 22, 2017 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 56
Views: 7646

Re: Alliant Credit Union no longer offering HSA's as of 11/9

The other important question is does Alliant do direct rollovers and do they cost more or less than withdrawing by check?
by curiouskitty
Fri Sep 01, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin Cash (BCC) - Best Wallet, Exchange, etc.
Replies: 6
Views: 1363

Re: Bitcoin Cash (BCC) - Best Wallet, Exchange, etc.

https://coinmarketcap.com/currencies/bitcoin-cash/#markets There are much bigger ones but I use Kraken since it is San Francisco based and the founders have strong ties to America so I believe they will not flee with the money. I'll just warn you that I used to use cryptsy.com for the same reason. ...
by curiouskitty
Fri Sep 01, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Optum is taking over my HSA.
Replies: 30
Views: 5127

Re: Optum is taking over my HSA.

The new funds are live! Moved everything to Total Stock Market. I was happy to note my Wells Fargo fund is up 16% since they got the funds late last year :moneybag
by curiouskitty
Sun Aug 20, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin Cash (BCC) - Best Wallet, Exchange, etc.
Replies: 6
Views: 1363

Re: Bitcoin Cash (BCC) - Best Wallet, Exchange, etc.

https://coinmarketcap.com/currencies/bi ... h/#markets

There are much bigger ones but I use Kraken since it is San Francisco based and the founders have strong ties to America so I believe they will not flee with the money.
by curiouskitty
Mon Mar 27, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 51
Views: 8937

Re: Anyone taken a mid-career sabbatical?

I was told that there were some opportunities in places far from me like Texas or North Carolina, but I wasn't in a position to move that far, and they were all just temporary positions anyway. In fact just about every position I had any contact for was temporary. It sure wasn't like that in my 20s...
by curiouskitty
Thu Mar 16, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 12509

Re: Do you avoid international investing like Jack Bogle?

No way. I'm around 70% international when you include my overweighting to emerging markets since they've underperformed relative to record-breaking US equities. Going to enjoy the ride up while the dollar depreciates relative to other currencies and international economies recover from years of slow...
by curiouskitty
Sat Mar 04, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-4 Fund Portfolio
Replies: 9
Views: 7689

Re: Schwab 3-4 Fund Portfolio

Yes I use the stock mutual funds and ETFs that you mention and find them to be well run and low cost. I don't have bonds with Schwab so can't comment specifically there but I have seen both those funds mentioned on this forum in the past. For emerging, SCHE is by far the best option so I would just ...
by curiouskitty
Sat Mar 04, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF vs Vanguard ETF in Schwab Account
Replies: 8
Views: 1571

Re: Schwab ETF vs Vanguard ETF in Schwab Account

Yes SCHB SCHF and SCHZ are all commission free (along with some other handy ones like SCHE). I think all Schwab index-based ETFs are free to trade. The Vanguard ones would be $4.95 per purchase, regardless of how big or how small. This is why it makes more sense to just use the Schwab ones unless th...
by curiouskitty
Fri Mar 03, 2017 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Schwab OneSource ETFs lower fees than admiral shares
Replies: 28
Views: 3551

Re: Schwab OneSource ETFs lower fees than admiral shares

Would advise anybody to read Chapter 5 in Common Sense on Mutual Funds "On Indexing". Mr. Bogle's point is who would want to pay a "discounted" rate for an index fund run at a low cost but managed inefficiently with respect to tracking error. If you are short the index 0.3% per year due to tracking...
by curiouskitty
Thu Mar 02, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from Vanguard brokerage: Options?
Replies: 22
Views: 3681

Re: Moving away from Vanguard brokerage: Options?

I have Schwab and Fidelity (in addition to Vanguard) and I prefer Schwab. Amazing service overall
by curiouskitty
Thu Mar 02, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Schwab OneSource ETFs lower fees than admiral shares
Replies: 28
Views: 3551

Re: Schwab OneSource ETFs lower fees than admiral shares

Yeah what you say is correct. Schwab and Fidelity have been having a price war and have cut commissions as well as ETF expense ratios. Vanguard has as well, but not quite as aggressively at this time. They're all very cheap so you're basically splitting hairs at a certain point. I hold some Vanguard...
by curiouskitty
Fri Feb 24, 2017 3:24 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 14632

Re: risk of my Tesla deposit

And even then, you'd think the liquidator and the buyer would want to salvage value in the remaining brand and technology and not want to risk lawsuits that could win up costing more than the deposits themselves. Yeah my feeling exactly. If you make cars that earn $10,000+ profit each, it'd be way ...
by curiouskitty
Fri Feb 24, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 14632

Re: risk of my Tesla deposit

I don't claim to be an expert on Tesla's balance sheets, but I would be shocked if they went under with such a strong brand name because investors would likely be willing to step in for a big chunk of the company. I would be more worried about the tax credit going away with our pro-oil government (a...
by curiouskitty
Fri Feb 24, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 1426

Re: Ritz/Marriott vacation club

So through Airbnb and VRBO, can I have a concierge service before, during and after my stay? Pick up groceries, schedule activities, etc. I assume Beyoncé did not book airbnb...maybe her personal manager or trip planner did this? Yeah Beyoncé doesn't book her own hotels either, but she can obviousl...
by curiouskitty
Thu Feb 23, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 1426

Re: Ritz/Marriott vacation club

You can easily rent one on VBRO or redweek. We rented a 2 BR condo at the Westin Villas in Maui last month from a timeshare owner. 11 nights for $4,300. Do not buy! Ah yes this is a good point I forgot to mention. There are a ton of timeshares listed on vacation rental sites for reasonable prices w...
by curiouskitty
Thu Feb 23, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 1426

Re: Ritz/Marriott vacation club

My opinion is that you could get much nicer properties through Airbnb for a better value. For example, they just acquired Luxury Retreats if you seek extra nice places with more concierge service or you could look at their regular inventory which has everything from convenient city apartments to man...
by curiouskitty
Fri Feb 17, 2017 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover / Backdoor Roth Question
Replies: 3
Views: 429

Re: Pension Rollover / Backdoor Roth Question

Form 8606 line6 asks for "Enter the value of all your traditional, SEP, and SIMPLE IRAs as of December 31, 2016, plus any outstanding rollovers (see instructions) ". I believe your pension rollover is an outstanding rollover even though you have not yet deposited the check. Here's a link to instruc...
by curiouskitty
Fri Feb 17, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo selling HSA division
Replies: 23
Views: 4755

Re: Wells Fargo selling HSA division

I wrote to Optum to ask if I would be able to use the Vanguard funds. I'm not 100% sure they understood the question but they indicated I could invest in the Wells Fargo funds that came over from my previous HSA.
by curiouskitty
Fri Feb 17, 2017 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Fundrise eREIT
Replies: 19
Views: 3732

Re: Fundrise eREIT

There is plenty of information on the internet warning against non-traded REITs and there is no need to rehash it here. There are lots of similar small-cap REITs that have a track record and plenty of quarterly reports to review that are publicly traded. The publicly-traded REITs would not only hav...
by curiouskitty
Fri Feb 17, 2017 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Fundrise eREIT
Replies: 19
Views: 3732

Re: Fundrise eREIT

More like a highly concentrated and very likely low-liquidity play. There are 56(!) properties in total at the time of the 2015 offering circular. Ever tried to liquidate a position in a public non-listed REIT in a liquidity crisis? https://www.washingtonpost.com/news/digger/wp/2016/03/17/fundrise-...
by curiouskitty
Fri Feb 10, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo selling HSA division
Replies: 23
Views: 4755

Re: Wells Fargo selling HSA division

Sorry I thought the post I quoted said they were locked up with Wells Fargo funds until January 2018. If it was supposed to be January 2017, then I don't know what the deal is as I have the same Wells Fargo junk.
by curiouskitty
Wed Feb 08, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fundrise eREIT
Replies: 19
Views: 3732

Re: Fundrise eREIT

I've had a good experience with the Growth eREIT so far. I thought the IPO sounded interesting but there isn't actually a public market for the shares once you buy them which was a warning sign to not participate. I like the idea of democratized access to real estate deals and my research on the fou...
by curiouskitty
Sat Feb 04, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 8536

Re: It appears Fiduciary changes may not happen after all.

sabhen wrote:one word: disgraceful.
Feeling pretty good about my overweighted international holdings right now
by curiouskitty
Thu Feb 02, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is it normal to have mutual funds and ETF's or is either one or other?
Replies: 21
Views: 1726

Re: Is it normal to have mutual funds and ETF's or is either one or other?

Yeah many people end up with mutual funds in 401(k) accounts and ETFs in other accounts. I would choose the lowest cost investment unless you strongly prefer one or the other.
by curiouskitty
Thu Feb 02, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo selling HSA division
Replies: 23
Views: 4755

Re: Wells Fargo selling HSA division

I called Optum. For those that don't know, it is owned by UHC, the largest insurer in the country. They said they had an agreement with Wells Fargo until 2017. In January of 2017, you could move into their normal selection of funds. I didn't ask/they didn't offer as to whether you must. I plan on j...
by curiouskitty
Thu Feb 02, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to Vanguard or Schwab?
Replies: 10
Views: 1523

Re: 401k rollover to Vanguard or Schwab?

Yeah have both, both are good. I do banking at Schwab (so good) and their Solo 401(k) can accept rollovers so that has pushed me to lean slightly towards Schwab.
by curiouskitty
Wed Feb 01, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover / Backdoor Roth Question
Replies: 3
Views: 429

Re: Pension Rollover / Backdoor Roth Question

DSInvestor wrote:Here's a link to instructions for Form 8606 where you can get more details about line 6:
https://www.irs.gov/pub/irs-pdf/i8606.pdf
Thanks! Very helpful
by curiouskitty
Wed Feb 01, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover / Backdoor Roth Question
Replies: 3
Views: 429

Pension Rollover / Backdoor Roth Question

In 2016, I first did a backdoor roth. Then later in the year I heard from an old pension that I would have to roll it over to an IRA. They sent me the direct rollover check at the end of December so I had not deposited it by the end of the year and my traditional/rollover IRA balance was $0 at the e...
by curiouskitty
Sun Jan 15, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Best Flight Deals
Replies: 6
Views: 1832

Re: Best Flight Deals

Momondo and Skyscanner are both excellent sites and I have booked through them and their affiliates dozens of times without any issues. A major money saver!
by curiouskitty
Fri Dec 30, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Are International Markets overdue for great gains?
Replies: 43
Views: 4301

Re: Are International Markets overdue for great gains?

In other words, it could be said that some international countries have had great gains (Russia, Canada, Latin America, Taiwain, Pakistan). Unfortunately these countries might represent a small part of your international portfolio. And other countries Euro, U.K., etc. might have done ok but due to ...
by curiouskitty
Thu Dec 29, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Optum is taking over my HSA.
Replies: 30
Views: 5127

Re: Optum is taking over my HSA.

I've called Optum about this. Apparently the former Wells Fargo HSA customers are segregated into a different plan than other Optum customers. The former Wells Fargo group is forced to participate in overpriced Wells Fargo investment options. Unless Optum changes the investment options, the only so...
by curiouskitty
Tue Oct 25, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 8222

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

I think you have a ton of workable suggestions already but I will add one more. Use Amazon S3 to upload the files (ideally zipping each one first) and then send him links. Pros: Cheaper than Dropbox etc. (almost free) No size limit or tiered pricing plans Cons: Somewhat less user friendly than Dropb...
by curiouskitty
Tue Oct 25, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?
Replies: 15
Views: 3161

Re: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?

I haven't had one made in either place although I've spent time in both. I would recommend seeking out a high quality tailor in Thailand as it will be cheaper, the country has good quality tailors, and you won't wear it that often anyway. Either way I'm sure you'll be happy
by curiouskitty
Wed Oct 05, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Vacation from SF around NYE?
Replies: 6
Views: 625

Re: Vacation from SF around NYE?

jane1 wrote: India (visa on arrival for US Citizens?)
Its not visa on arrival and it was decently expensive if I recall correctly. You'll need to go to the Indian consulate in SF, etc.
by curiouskitty
Tue Sep 27, 2016 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Optum is taking over my HSA.
Replies: 30
Views: 5127

Re: Optum is taking over my HSA.

I'm not 100% sure but I'm thinking we might get to keep both sets of mutual funds? This page lists the normal Optum HSA options https://www.optumbank.com/individuals-families/how-to-invest-with-hsas/mutual-funds.html This page lists the former / current Wells Fargo HSA options https://www.optumbank....
by curiouskitty
Tue Sep 27, 2016 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Optum is taking over my HSA.
Replies: 30
Views: 5127

Re: Optum is taking over my HSA.

Nice sounds like the Wells Fargo -> Optum HSAs will get the Vanguard options based on the link slayed found! The list of the Vanguard and other funds is available on Optum's site (tl;dr they are great including at cost ETFs at 5 bps ER)

Looking forward to this transition all the sudden
by curiouskitty
Sat Sep 10, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for ETF buying at Schwab
Replies: 13
Views: 1957

Re: Advice for ETF buying at Schwab

I'd say you can be less paranoid about buying the ETFs than you outlined. For example, the majority of trading is happening in the first and last hour of the day. In particular at the end there is typically a huge volume of orders. Find a price you like and just set a limit order. Who cares if it ex...
by curiouskitty
Fri Sep 09, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard....I know, it's been discussed!
Replies: 23
Views: 4238

Re: Schwab vs Vanguard....I know, it's been discussed!

Schwab is more of a one stop shop because you can also have your bank account there and its one of the absolute best banks out there. (They also have a credit card, mortgages, offices you can visit, etc. although I don't use them). I agree with the earlier comment that Schwab does have an app. In fa...
by curiouskitty
Sun Jun 12, 2016 4:03 am
Forum: Investing - Theory, News & General
Topic: Non-symbol reduced-ER share-class for Vanguard in 403(b) and 401(a)
Replies: 4
Views: 586

Re: Non-symbol reduced-ER share-class for Vanguard in 403(b) and 401(a)

I have access to non-symbol Vanguard funds through Fidelity in a 401(k) from a university. The total stock market ER is ~.02% and I have found no downsides to this other than that I have to update my portfolio tracker manually for this fund. In fact, I only maintain this small 401(k) instead of roll...