Search found 1241 matches

by WanderingDoc
Fri Oct 26, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6189

Re: How to exit out of the Stock Market?

Welcome to Bogleheads, Sophia! Your post suggests you're reacting emotionally to the market selloff. That's a very human thing to do; unfortunately, humans tend to be lousy investors. :) The easiest way to avoid losing sleep over daily market gyrations is to refrain from reading or watching the fin...
by WanderingDoc
Thu Oct 25, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 88
Views: 12428

Re: For those waiting for a 'correction' ...

Based on your question, we no longer need to wait for it. It already happened. The U.S. market has already corrected (and heading further), more than 70% of S&P500 are in a bear market, Int'l bear market, emerging crashed. This is just the beginning. Exciting stuff! :beer
by WanderingDoc
Wed Oct 24, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7687

Re: Reaction to Market

ThePrince wrote:
Wed Oct 24, 2018 6:39 pm
What is your alternative?
There are alternatives. Here's one: all of my real estate rental and partnership checks came in for Oct '18. 10-15% return on cash, regardless of the value of the asset.
by WanderingDoc
Wed Oct 24, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7687

Re: Reaction to Market

yousha wrote:
Wed Oct 24, 2018 6:36 pm
Difficult to follow the Philosophy aspired by the Organization after today's dumpster dive even with the appropriate risk reward ratio. $100,000 paper loss today.
This is nothing. Just the tip of the iceberg. Strap on your helmet and hold on tight! :o
by WanderingDoc
Tue Oct 23, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12323

Re: Smart money bailing on the market, time to get out?

The other person is correct, stop reading the trash reports from people with an agenda. All you're talking about is what we call 'noise'. Ignore the noise and just stay the course. People who panic never make profits. The other person is also correct - those of us who use indexed funds make out bet...
by WanderingDoc
Tue Oct 23, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12323

Re: Smart money bailing on the market, time to get out?

The other person is correct, stop reading the trash reports from people with an agenda. All you're talking about is what we call 'noise'. Ignore the noise and just stay the course. People who panic never make profits. The other person is also correct - those of us who use indexed funds make out bet...
by WanderingDoc
Tue Oct 23, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12323

Re: Smart money bailing on the market, time to get out?

The other person is correct, stop reading the trash reports from people with an agenda. All you're talking about is what we call 'noise'. Ignore the noise and just stay the course. People who panic never make profits. The other person is also correct - those of us who use indexed funds make out bet...
by WanderingDoc
Tue Oct 23, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2079

Re: TSP and Vanguard

stan1, The TSP / Vanguard combo is probably the most common one right now. I'd recommend doing the TSP Roth since there are no income restrictions. The main issue with the TSP Roth though is the limited investment options. I'm not sure how old you are are but my recommended TSP allocation is (40% C...
by WanderingDoc
Wed Oct 17, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Am I hitting the important asset classes?
Replies: 9
Views: 1008

Re: Am I hitting the important asset classes?

Background: I come from a family that has shied away from heavy equity investments. My parents went down the route of investing in real property each time they save up enough to do so (and spend a lot of weekends doing the landlording thing). I learned quite quickly that this was not a desirable st...
by WanderingDoc
Wed Oct 17, 2018 4:06 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

OK, so if we're using readily-purchasable total market Vanguard index funds from the earliest comparable inception date: The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was...
by WanderingDoc
Tue Oct 16, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

. 04/1998 to 9/2018 (since inception of DFA Emerging Markets Value) - over the past 20+ years Annualized return/ Sharpe Ratio ..9.7% / 0.47 = DFA US Small Value ..9.2% / 0.49 = DFA International Small Value 10.1% / 0.44 = DFA Emerging Markets Value 10.1% / 0.52 = 50:37:13 DFA US Small Value:DFA Int...
by WanderingDoc
Tue Oct 16, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4490

Re: Vanguard screws up rollover from TSP

Why is it that posts like this about Vanguard are so common, yet I've yet to see one about iShares, Schwab, or Fidelity? Ishares has no direct accounts, they do not deal directly with consumers. So they have 100% failure and success rates. Bad example. And there are threads with Fidelity complaints...
by WanderingDoc
Tue Oct 16, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Thanks, Taylor! I always appreciate having a new Jack Bogle video to add to the list: Why Jack Bogle Doesn't Own Non-U.S. Stocks Here's Why Jack Bogle Doesn't Like Investing In Foreign Markets Vanguard Founder Jack Bogle on Mutual Funds, Common Sense Investing and the Stock Market Jack Bogle on Mar...
by WanderingDoc
Tue Oct 16, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

To save everyone the effort of repeating all the back and forth that has happened on the prior threads I will summarize the counter arguments: 1) The future may not look like the past 2) Australia has outperformed the US historically 3) Plenty of good companies outside the US too 4) If you are okay...
by WanderingDoc
Tue Oct 16, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

As a US citizen, I see no point in giving my investment money to foreign companies, located in countries whose political structure/belief systems I don’t agree with or whose regulatory structures may not be robust. --------------------------------------------- Investing in international funds just ...
by WanderingDoc
Tue Oct 16, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11406

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

To save everyone the effort of repeating all the back and forth that has happened on the prior threads I will summarize the counter arguments: 1) The future may not look like the past 2) Australia has outperformed the US historically 3) Plenty of good companies outside the US too 4) If you are okay...
by WanderingDoc
Tue Oct 16, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13970

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Look forward to reading the new book. Not to take anything away from The NMND, but it looks like a similar-themed book will be coming out by Dave Ramsey's crew in January 2019... Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too https://www.amazon.com/gp/prod...
by WanderingDoc
Tue Oct 16, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4490

Re: Vanguard screws up rollover from TSP

Why is it that posts like this about Vanguard are so common, yet I've yet to see one about iShares, Schwab, or Fidelity?
by WanderingDoc
Mon Oct 15, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5007

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this :sharebeer I think it’s more obvious that Vanguard is seriously cheaped out on the financial technology and it’s going to really bite them and a lot of people some day. There are a lot of these kind of e...
by WanderingDoc
Mon Oct 15, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

...us mere mortals who want to contribute more to this world than earning $1M then stopping. From what I've seen many don't "stop". In fact they're probably contributing "more to this world" after becoming financially independent. Yeah, but if they're blogging or consulting or whatever for money, t...
by WanderingDoc
Mon Oct 15, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

...us mere mortals who want to contribute more to this world than earning $1M then stopping. From what I've seen many don't "stop". In fact they're probably contributing "more to this world" after becoming financially independent. Yeah, but if they're blogging or consulting or whatever for money, t...
by WanderingDoc
Mon Oct 15, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

'A life well lived' is very different to 'getting by'. $3M today is what $1M was to my parents. You can live a well lived (selfish) life with $1 million, especially if you have no debt. Fixed for you. $1M is short changing yourself. Its having low expectations for yourself because you think you can...
by WanderingDoc
Mon Oct 15, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

When Orman said you need at least $5 million to retire early, I dismissed her whole argument. $5 million - regardless of what you spend. 'A life well lived' is very different to 'getting by'. $3M today is what $1M was to my parents. You can live a well lived (selfish) life with $1 million, especial...
by WanderingDoc
Mon Oct 15, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

michaeljc70 wrote:
Mon Oct 15, 2018 8:33 am
When Orman said you need at least $5 million to retire early, I dismissed her whole argument. $5 million - regardless of what you spend.
'A life well lived' is very different to 'getting by'. $3M today is what $1M was to my parents.
by WanderingDoc
Mon Oct 15, 2018 12:18 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13967

Re: Correlation between the FIRE movement and one of the greatest bull markets

Reading the comments here puts it into perspective why many of us currently pursuing FIRE tend to keep quiet about it in general. Even on here the concept is met with contempt, while one could argue FIRE is the result of using the very core Boglehead concepts, in other words, have a large save rate...
by WanderingDoc
Sun Oct 14, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9945

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

At one point of time in my life I have worked 100+ hours a week. For about 4 years. Just curious, was that 100 hours spent at your place of employment? As in 24 hour shifts where you were sleeping some of the time? I ask because it just seems impossible to literally work 100+ hours per week. Not su...
by WanderingDoc
Sat Oct 13, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7304

Re: Just Divorced -- Need Help

As my divorce attorney said, divorce settlements are supposed to be equitable, but not necessarily equal. I doubt very much most divorces are split exactly down the middle, and assets can come in all forms, liquid, illiquid, taxable, pre-tax. A divorce is a hugely negative event, and much of the ti...
by WanderingDoc
Sat Oct 13, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7304

Re: Just Divorced -- Need Help

As my divorce attorney said, divorce settlements are supposed to be equitable, but not necessarily equal. I doubt very much most divorces are split exactly down the middle, and assets can come in all forms, liquid, illiquid, taxable, pre-tax. A divorce is a hugely negative event, and much of the ti...
by WanderingDoc
Sat Oct 13, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4100

Re: Obamacare premiums will be down an average of 1.5 percent next year

Anyone who can afford to self-insure can afford to buy insurance. There are many conditions where the cost is virtually unbounded - it's possible to consume $10m or more in healthcare costs. If you had the $20m where you could truly feel comfortable self-insuring, 30k in ACA premiums would be trivi...
by WanderingDoc
Sat Oct 13, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4100

Re: Obamacare premiums will be down an average of 1.5 percent next year

In Japan, where all employers require the same health insurance - dirt cheap around $40-50 per month - no brainier that everyone will have health insurance. Japan spends $4519 per capita on healthcare according to https://en.wikipedia.org/wiki/List_of_countries_by_total_health_expenditure_per_capit...
by WanderingDoc
Sat Oct 13, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3539

Re: Lost Power for 24 hours - what food to toss?

I don't develop ANY skin conditions, I never have diarrhea. I get a cold maybe once every 3 years. Have never had a fever. This is due to purposefully exposing myself to all sorts of antigens from an early age. Using too much soap and chemicals on the skin is also harmful, esp. for young children. ...
by WanderingDoc
Sat Oct 13, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4100

Re: Obamacare premiums will be down an average of 1.5 percent next year

Take this distribution. Bottom 1/3 are below average health, middle 1/3 average, and top 1/3 above average. I stand by my statement that the top 2/3 should self ensure. Paying for insurance for these folks is a terrible financial decision. I'm not really sure how the distribution helps an individua...
by WanderingDoc
Sat Oct 13, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3539

Re: Lost Power for 24 hours - what food to toss?

I am talking about soil and raw meat. Not water from sewers and streams. Certain things we are adapted to. I didn't say everything. Way to straw man. Not a straw man at all; you said EXCREMENT in your post. Therefore you shouldn't have any problem drinking from that stream in China. After all, peop...
by WanderingDoc
Sat Oct 13, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9945

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

“$1000/month job is worth $300k in retirement funds” Bringing in a $1000 a month would make a huge difference for some people but I would have to question the $300K figure. The problem is that you might be able to work the job for a while when you first retire but many if not most people will find ...
by WanderingDoc
Sat Oct 13, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3539

Re: Lost Power for 24 hours - what food to toss?

We have been literally eating soil, mixed with excrement, raw muscle meat, raw organs, etc. for millions of years. People honestly think that a couple hundred years of refrigeration or 100 years of being overly sanitary has killed our genetic and evolutionary adaptation to eat raw and soiled food? ...
by WanderingDoc
Sat Oct 13, 2018 2:25 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9945

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

“$1000/month job is worth $300k in retirement funds” Bringing in a $1000 a month would make a huge difference for some people but I would have to question the $300K figure. The problem is that you might be able to work the job for a while when you first retire but many if not most people will find ...
by WanderingDoc
Fri Oct 12, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3539

Re: Lost Power for 24 hours - what food to toss?

Liability and fear mongering. The reason why you have food poisoning so easily is exactly over protection (probably we can add here asthma and allergies too). Agree 100%. We have been literally eating soil, mixed with excrement, raw muscle meat, raw organs, etc. for millions of years. People honest...
by WanderingDoc
Fri Oct 12, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9941

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Thu Oct 11, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7304

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. I’ve said it before, I’ll say it again. As anyone who has been through a divorce can tell you, at it’s core marriage is a legal contract between 2 people and their local, state a...
by WanderingDoc
Thu Oct 11, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7304

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. I’ve said it before, I’ll say it again. As anyone who has been through a divorce can tell you, at it’s core marriage is a legal contract between 2 people and their local, state a...
by WanderingDoc
Thu Oct 11, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8451

Re: What did you buy today

Subway sandwich, chips, diet coke And a little bit of a bond fund. Cured processed meats, artificial sweeter and a salty poison oiled carb. Read up on gut bacteria and toxins for the best investment in your health you will ever make! Don't lecture her on what to eat. Warren Buffet eats a cheeseburg...
by WanderingDoc
Thu Oct 11, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45391

Re: Lucrative careers?

I think they are RNs with additional certifications. Can you be a CRNA without being a RN first? I kind of doubt it. You need several years of additional schooling, in a program that's hard to get accepted to by RNs. It's like saying a PhD and a Bachelors are the same, just one needs additional yea...
by WanderingDoc
Thu Oct 11, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9941

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Thu Oct 11, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9941

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Wed Oct 10, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9941

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Wed Oct 10, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8451

Re: What did you buy today

Fallible wrote:
Wed Oct 10, 2018 7:42 pm
I bought frozen organic kale for the first time.
Frozen kale or spinach is in >90% of my dinners. Usually sauteed in grass-fed butter with fish, chicken, of beef with lots of raw garlic on top. Its the way to do it :beer
by WanderingDoc
Wed Oct 10, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8451

Re: What did you buy today

I had some dry powder on the side waiting for an opportunity.. I used some of it to add some ITOT at $63.50 today. Like to know if you used this as an opportunity to buy some (if yes, what did you buy) or waiting for more downturn for buying opportunity Well, hang on to yer helmet. 'Cause you're ab...
by WanderingDoc
Tue Oct 09, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10366

Re: Argument for taking social security before 70. Comments?

Money now is always better than money later. Of course, as long as the amounts are the same. But the relevant question is how much less money now is better than how much more money later? No brainier. I'd take them at age 40 if I could. Interesting. What percentage of a lifetime cut would you be wi...
by WanderingDoc
Tue Oct 09, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10366

Re: Argument for taking social security before 70. Comments?

Money now is always better than money later. That's precisely why I am a huge proponent of real estate investing - income now and wealth later, as opposed to just wealth (much) later.

No brainier. I'd take them at age 40 if I could.
by WanderingDoc
Tue Oct 09, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25419

Re: Vanguard - You'll need to sign up for security codes soon

Still same as before. No security codes needed.