Search found 1186 matches

by Whakamole
Mon Nov 16, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: Any chance of V shape recovery?
Replies: 69
Views: 5021

Re: Any chance of V shape recovery?

Unfortunately many locally owned small businesses in my community like restaurants, salons and boutiques are closing for good. Definitely not a V for these small businesses. Same here. They may eventually be replaced by chain restaurants - perhaps a good play for Sysco which makes the food those ch...
by Whakamole
Thu Nov 12, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836974

Re: U.S. stocks in free fall

Should have sold more of my company stock at the high :oops:
by Whakamole
Mon Nov 09, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Gold continues to soar!
Replies: 302
Views: 19440

Re: Gold continues to soar!

How much lower do we think PMs will go? I want to finish off my Queen's Beast collection.
by Whakamole
Sat Nov 07, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: What would be the case for Washington Prime Group (New) | 6.875% Series I Cumulative Redeemable Preferred Shares?
Replies: 5
Views: 457

Re: What would be the case for Washington Prime Group (New) | 6.875% Series I Cumulative Redeemable Preferred Shares?

Preferred stock is the kind of stock that financial companies prefer to issue because it doesn't dilute common stock shareholders, yet it doesn't have the contractual payment requirements that are strong as a bond. Basically, it's the worst of both worlds. You get no voting rights and no right to p...
by Whakamole
Sat Nov 07, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49171

Re: JPM Chase Reserve Card gets more expensive

Does anyone know if the annual fee is prorated, meaning we can downgrade in the middle of the year and get some of the $450 fee back?
by Whakamole
Sat Nov 07, 2020 2:43 am
Forum: Investing - Theory, News & General
Topic: Why has Tax Managed Small Cap fund underperformed the small cap index fund?
Replies: 19
Views: 1711

Re: Why has Tax Managed Small Cap fund underperformed the small cap index fund?

The simple answer is that they follow different indexes, so I wouldn't expect them to perform identically. The tax managed account is not an index fund. Sure is: Investment strategy The fund invests in stocks included in the Standard & Poor’s SmallCap 600 Index—an index that is made up of stock...
by Whakamole
Fri Nov 06, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Safe winter escape
Replies: 41
Views: 5084

Re: Safe winter escape

What are you planning to do once you get there? If you are concerned with COVID enough to stay isolated so far, then you'll just be isolated any place you end up.
by Whakamole
Fri Nov 06, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4448

Re: severance negotiation

...I am not really looking to screw the employer here, they have been pretty good to me and if possible I would like to leave on good terms. And also keep open the possibility of providing work on consulting basis in the future. That seems inconsistent with other facts you have stated in your posts...
by Whakamole
Fri Nov 06, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4448

Re: severance negotiation

Yes, I am now convinced to not send anything to HR until I hear back from them first. I have a date in my mind. 2 months down the line. Working there even one minute on the current terms would be too much. Then why didn't you give your notice now, rather than for 2 months down the line? Seems odd t...
by Whakamole
Fri Nov 06, 2020 1:34 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4448

Re: severance negotiation

The industry is smaller than you realize. I would be concerned that word would get out that (a) you stopped doing your job ("my project is currently stopped because I have stopped working on it") and (b) you've announced that you will quit, and expect either severance in exchange for a han...
by Whakamole
Fri Nov 06, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1515

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

I just ordered a Leap yesterday over the Gesture because all else being equal I didn't care so much about the easier seat depth adjustment (I did need it to be adjustable though), I cared that the Leap has a superior back tilt functionality. It has more steps (5 vs 3) and doesn't have any "fle...
by Whakamole
Thu Nov 05, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1515

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

You should also consider the Leap, also from Steelcase. Have you used the Leap? I'm struggling to figure out the difference given the apparently similar price points. I was sort of defaulting to the "newer model must be better" approach, which I recognize isn't always right. I'd go sit in...
by Whakamole
Thu Nov 05, 2020 1:34 am
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1515

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

You should also consider the Leap, also from Steelcase.
by Whakamole
Wed Nov 04, 2020 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Would a $1MM inheritance change your retirement plans?
Replies: 113
Views: 10080

Re: Would a $1MM inheritance change your retirement plans?

On one hand, it could mean that I could retire now.

On the other hand, due to world circumstances, I couldn't enjoy activities I would look forward to (travel/sightseeing/etc.) Even moving to a lower COL area would be difficult.
by Whakamole
Sun Oct 25, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard inflows on a roll!
Replies: 9
Views: 1279

Re: Vanguard inflows on a roll!

I'd be more interested in hearing the numbers for index funds rather than fund companies.
by Whakamole
Fri Oct 23, 2020 11:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum
Replies: 107
Views: 9031

Re: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum

Management enthusiasm to rebrand has always baffled me. The most iconic brands come from decades of building awareness, but so many companies start over every 20 years or so. The rumored reasoning of trying to distance themselves from Mr. Bogle is even more bizarre than the typical reasoning. While...
by Whakamole
Fri Oct 23, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: Vanguards Alt Energy Fund?
Replies: 5
Views: 536

Re: Vanguards Alt Energy Fund?

Jesteroftheswamp wrote: Fri Oct 23, 2020 9:43 am Any good Vanguard alternative energy funds with a tilt on solar and windmills?? Thoughts on these?
If you want tilting at windmills, there's a novel I can suggest. :)
by Whakamole
Wed Oct 21, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: [PSA] Windows 10 October 2020 Update becoming available
Replies: 22
Views: 1217

Re: [PSA] Windows 10 October 2020 Update becoming available

I had a bunch of updates last week: (1) Feature update on 10/13/20 (3) Quality Updates on 10/13/20 (9) Security Updates on 10/14/20 Was this the updates you all are talking about? The only issue I have is that my computer does not want to go to sleep at night and when I get up in the morning it is ...
by Whakamole
Sat Oct 17, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: Why international underperformed - it’s the earnings growth rate!
Replies: 51
Views: 4888

Re: Why international underperformed - it’s the earnings growth rate!

abuss368 wrote: Sat Oct 17, 2020 9:46 am Think about that for a moment. No company could manipulate earning for over 20 years. Market pullbacks always flush out fraud. Enron, Worldcom, Global Crossing among others right around tech pullback. Madoff during Great Recession. Luckin Coffee in China during pandemic.
GE?
by Whakamole
Sat Oct 10, 2020 8:23 am
Forum: Investing - Theory, News & General
Topic: "Bonds as a way to generate cash if the stock market is in the toilet"
Replies: 93
Views: 5394

Re: "Bonds as a way to generate cash if the stock market is in the toilet"

2. Losing money I bonds: Can't lose money to inflation because it tracks inflation. It also can't go lower than what you initially paid. If they track inflation perfectly, then unless you are in a zero percent tax bracket when you cash in the bond, taxes will eat up a portion of the return. In an i...
by Whakamole
Tue Oct 06, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: 60/40 days are over? - Vanguard Balanced Fund -Inconsistent return
Replies: 26
Views: 3855

Re: 60/40 days are over? - Vanguard Balanced Fund -Inconsistent return

tigerp wrote: Sun Oct 04, 2020 7:44 pm Thanks everyone. I think it would be a good idea to switch from Wellington to VBIAX unless Value comes back which is not happening for last 8 years
What else do you see in the crystal ball?
by Whakamole
Wed Sep 30, 2020 2:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard is pushing Personal Advisory Services
Replies: 91
Views: 7488

Re: Vanguard is pushing Personal Advisory Services

Prokofiev wrote: Tue Sep 29, 2020 10:23 pm I asked that exact question. He gave a vague answer about total assets and being an important client. I felt so important!
You are sure this was Vanguard and not Edward Jones?
by Whakamole
Fri Sep 18, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Received used laptop from Costco web site
Replies: 8
Views: 1133

Re: Received used laptop from Costco web site

Even though, as you said, the phone wait is about an hour, they do have a good callback feature I’ve used. You can be doing other stuff till they call you back. When was this? I tried calling Costco last month and had to wait; I think the "call back" feature may have been disabled this ye...
by Whakamole
Thu Sep 17, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: Managed Payout Fund going away (sort of)
Replies: 8
Views: 1128

Re: Managed Payout Fund going away (sort of)

Interestingly, just a few months after Vanguard shuttered the Managed Payout fund in the US it has introduced an ETF in Canada with a very similar mandate. According to the press release , Vanguard Retirement Income ETF Portfolio (ticker: VRIF): helps you keep more money in your pockets and saves y...
by Whakamole
Wed Sep 16, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14116

Re: Is this guy trying to scam me on a car I'm selling?

I can't decide if he is a scam or not. But as a non-native English speaker, I can confirm that the above words in red are not commonly used by people with English as second language. This guy is either an English- language native scammer, or English- language native legit! He is not a Nigerian prin...
by Whakamole
Wed Sep 16, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14116

Re: Is this guy trying to scam me on a car I'm selling?

Then he writes, New plan. Cash money. I am driving to Pittsburgh in the morning, be there at 0900 when they open. Withdraw the 6k limit, wire the balance to my friend in Baltimore. I’ll send you a note when all is done. We are still in play for my availability on Saturday and Sunday. Let me know if...
by Whakamole
Wed Sep 16, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14116

Re: Is this guy trying to scam me on a car I'm selling?

I've never heard of someone offering over asking price for a car. Maybe a house in a hot market.
by Whakamole
Wed Sep 16, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 7055

Re: Coping with Wildfire smoke

I'm in SoCAL; we've got bad air too, I've closed the windows and only go out with a pollution mask on when I have to. My first coping mechanism has been utter outrage expressed in rants to friends who don't get offended by my vocabulary. We can't drink the water, now we can't breathe the air! Livin...
by Whakamole
Sat Sep 12, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Visiting Oregon Coast
Replies: 22
Views: 3288

Re: Visiting Oregon Coast

Hi, My wife and I were planning to visit the Oregon Coast starting next Thursday for about a week and a half, staying in Seaside, Newport, and Coos Bay. Anyway, with the on-going fire conditions and evacuations, we are leaning towards cancelling and/or postponing the visit.. We need to make the cal...
by Whakamole
Thu Sep 10, 2020 11:45 am
Forum: Personal Investments
Topic: Is it Possible to Opt-out of Fidelity Premium Services?
Replies: 37
Views: 4032

Re: Is it Possible to Opt-out of Fidelity Premium Services?

You get a special number to call if you need help (which paid off for me this year since I got.to.rollnack a RMD.)

Otherwise an advisor called me once, many years ago. I politely declined, they told me to call if I ever needed anything and haven't tried to call me since.
by Whakamole
Thu Sep 10, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7704

Re: Continuing Care Retirement Community Entrance Fee

I am over 70 and immuno-compromised and live alone. I am being very careful and only "meeting" people by phone/internet. You think "socially isolated" only happens in CCRCs? I think I would be better off if I had already moved to one. For you, yes, it sounds ideal. My relative h...
by Whakamole
Thu Sep 10, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 3848

Re: Google Play Music sunsetting to YouTube Music

"YouTube Music will soon let you cast uploaded music to smart speakers for free" https://9to5google.com/2020/09/09/youtube-music-will-soon-let-you-cast-uploaded-music-to-smart-speakers-for-free/ It seems like some changes are being made. That's not an announcement from Google/YT or one of...
by Whakamole
Thu Sep 10, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7704

Re: Continuing Care Retirement Community Entrance Fee

Yep, as I said before, the covid protocols in place at care facilities have been a disaster for both the residents and family of residents. Note: I'm NOT saying these restrictions are wrong or unneeded; I'm only commenting on the effect these restrictions have on people. Where the restrictions are ...
by Whakamole
Thu Sep 10, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49171

Re: JPM Chase Reserve Card gets more expensive

Does anyone know if downgrading the card (to Freedom) counts against their 5/24 rule? It does not. 5/24 is for new applications Excellent, thanks. I wonder if Chase is regretting the 1.5% cash back towards groceries/dining, since it's enabled many of us to effectively cash out our rewards points an...
by Whakamole
Thu Sep 10, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49171

Re: JPM Chase Reserve Card gets more expensive

Does anyone know if downgrading the card (to Freedom) counts against their 5/24 rule?
by Whakamole
Wed Sep 09, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26258

Re: Where's Warren Buffett During This Crisis?

I sold my berkshire stock because I believe that Warren Buffet's life expectancy is severly shortened by the current pandemic and I expect that his untimely demise -IF it were come to pass- would have a big negative impact on berkshire stock price. At that point you might be looking at an attractiv...
by Whakamole
Mon Sep 07, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2202

Re: Foreign Allocation

OP here: Just an FYI: Morningstar defines foreign as the % of the total portfolio. But then uses % of stocks for sectors, value, growth, etc. So they are inconsistent. What do the screenshots look like? Typically stock/bond breakdowns will be % of the stock/bond portfolio because the stock/bond bre...
by Whakamole
Sun Sep 06, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2202

Re: Foreign Allocation

If you invest in Vanguard Total World Stock ETF (VT), it gives you about a 40% international stock allocation. https://investor.vanguard.com/etf/profile/portfolio/vt That said, a lot of people around here keep international at bay with only 20% (Bogle himself said,he wouldn't recommend any internat...
by Whakamole
Sun Sep 06, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2202

Re: Foreign Allocation

If you invest in Vanguard Total World Stock ETF (VT), it gives you about a 40% international stock allocation. https://investor.vanguard.com/etf/profile/portfolio/vt That said, a lot of people around here keep international at bay with only 20% (Bogle himself said,he wouldn't recommend any internat...
by Whakamole
Sun Sep 06, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2426

Re: In accumulation phase, should you ever need more than 10% fixed income?

I don't consider panic selling a serious risk to me personally because of the cold hard truth of my current math. If the market goes down and I go from an insufficient number to another insufficient number, why in the world would I move to cash? I'm not sure how long you have been investing, but it...
by Whakamole
Sun Sep 06, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2426

Re: In accumulation phase, should you ever need more than 10% fixed income?

I don't consider panic selling a serious risk to me personally because of the cold hard truth of my current math. If the market goes down and I go from an insufficient number to another insufficient number, why in the world would I move to cash? I'm not sure how long you have been investing, but it...
by Whakamole
Sun Sep 06, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2426

Re: In accumulation phase, should you ever need more than 10% fixed income?

There is no way my current investments could sustain me if I were to liquidate them. Only when my holdings could sustain me for 10+ years would I consider putting some of my $ into bonds. For now, if I lose my job, I need to find another job. Simple as that. I can't rely on the current value of my ...
by Whakamole
Sun Sep 06, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: In accumulation phase, should you ever need more than 10% fixed income?
Replies: 27
Views: 2426

Re: In accumulation phase, should you ever need more than 10% fixed income?

There is no way my current investments could sustain me if I were to liquidate them. Only when my holdings could sustain me for 10+ years would I consider putting some of my $ into bonds. For now, if I lose my job, I need to find another job. Simple as that. I can't rely on the current value of my ...
by Whakamole
Sat Sep 05, 2020 10:07 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 9148

Re: Wife is "forcing" me to buy stock(s)

Does she want to participate in picking the stock, or does she want you to pick?

I'd encourage her to think of a public company she likes and buy the stock, since this seems to be her idea.
by Whakamole
Sat Sep 05, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 160
Views: 12012

Re: Is it really passive index if S&P actively excludes Tesla?

I cannot remember any stock before TSLA that made so many people upset, on all sides. A majority of the Tesla threads here at Bogleheads are people suffering emotional distress, sometimes severe, because of TSLA. Some people are upset that S&P hasn't yet included TSLA in the 500 Index. Other pe...
by Whakamole
Sat Sep 05, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14400

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

VBUFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield isn't bad. Typo. You mean VUBFX--> Vanguard ultra short term bond fund https://investor.vanguard.com/mutual-funds/profile/VUBFX The holdings (as of January 31 2020) is interesting. Asset ba...
by Whakamole
Sat Sep 05, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: [Tesla added to S&P 500 index]
Replies: 242
Views: 23525

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

That's why SP500 is kind of garbage. VTI >>> VOO. Garbage? Why not just include the 500 largest companies? It's totally against the idea of passively investing. And how much of those 500 largest companies? If you go purely by market cap, and market cap only, then float becomes an issue. Low float s...
by Whakamole
Sat Sep 05, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14400

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

VBUFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield isn't bad. Typo. You mean VUBFX--> Vanguard ultra short term bond fund https://investor.vanguard.com/mutual-funds/profile/VUBFX The holdings (as of January 31 2020) is interesting. Asset ba...
by Whakamole
Sat Sep 05, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 160
Views: 12012

Re: Is it really passive index if S&P actively excludes Tesla?

I heard a lot of people lost money buying Tesla and expecting a bump when the inclusion into the S&P 500 was announced.

That this didn't happen and the speculators lost money is none of my concern.

If anything, I am more likely to invest in the S&P 500. Though I do question Etsy.
by Whakamole
Tue Sep 01, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Tips hyperinflation?
Replies: 46
Views: 3108

Re: Hyperinflation?

Do tips protect against hyperinflation or a “debt crisis” or only against normal inflation? Would total international stock or total international developer protect against us hyperinflation or debt crisis? I know I am reacting to market noise, but I feel like the old rules have changed. owenmia: I...