Search found 1171 matches

by Whakamole
Tue Feb 23, 2016 3:00 am
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 7882

Re: Do I need an awesome smartphone?

Well sure, practically everything will work with WiFi. But when you're driving down the road, there's no WiFi, so then what? I suppose you can pull over to a McDs and use their WiFi to query Gasbuddy or TripAdvisor for things. And if a traffic jam happens up ahead, you won't get dynamic rerouting l...
by Whakamole
Mon Feb 22, 2016 9:46 pm
Forum: Personal Investments
Topic: How bad is this Local Investing idea?
Replies: 6
Views: 1122

Re: How bad is this Local Investing idea?

I assume you are thinking of only or heavily investing in local companies. You are likely already tied heavily to the success of those companies, either directly (working for them) or indirectly (working for one of the many services that benefit from local employers, or even local government.) If th...
by Whakamole
Mon Feb 22, 2016 7:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Portfolio Compositions
Replies: 4
Views: 1214

Re: Vanguard Index Fund Portfolio Compositions

This document , starting on page 13, lists the makeup of those sectors by subsector and industry. For example: "Consumer Discretionary" (sector 25) and "Consumer Staples" (sector 30) are different. Discretionary includes "Consumer Services" (which itself includes Hotels, Restaurants, Leisure, Media...
by Whakamole
Mon Feb 22, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 22746

Re: Mr Money Mustache Article (New Yorker)

canbonbon wrote: If this is the trend, soon folks will talk about retirement even before they start working.
This is already the case. They can't wait to start working so they can't wait to stop working, I guess. :confused
by Whakamole
Sun Feb 21, 2016 5:14 pm
Forum: Personal Investments
Topic: Portfolio assistance: help with streamlining
Replies: 9
Views: 1247

Re: Portfolio assistance: help with streamlining

That's a great employer match, you are fortunate. In my opinion the better international fund for later use in the 401k via BrokerageLink would be Fideliey Spartan Global ex-US Advantage Class (FSGDX) ER 0 14%, it's well diversified covering stocks of large and mid cap companies in both developed a...
by Whakamole
Sun Feb 21, 2016 11:30 am
Forum: Personal Investments
Topic: Portfolio assistance: help with streamlining
Replies: 9
Views: 1247

Re: Portfolio assistance: help with streamlining

First, thank you, I really appreciate your advice. :happy In the future you will need to add a total international fund to either the Roth IRA or the 401k. What's offered in the 401k for international? How much is the employer match in the 401k? The only International funds in the 401k are Russell I...
by Whakamole
Thu Feb 18, 2016 6:13 pm
Forum: Personal Investments
Topic: Portfolio assistance: help with streamlining
Replies: 9
Views: 1247

Re: Portfolio assistance: help with streamlining

PIMCO Total Return Institutional (PTTRX) ER 0.27% is an actively managed fund, but is a good intermediate-term bond fund with a reasonable expense ratio. Rather than use that I think it's better to continue to use Fidelity Spartan U.S. Bond Index Fund (FSITX) ER 0.07%, and skip the short-term bond ...
by Whakamole
Thu Feb 18, 2016 10:24 am
Forum: Personal Investments
Topic: Portfolio assistance: help with streamlining
Replies: 9
Views: 1247

Re: Portfolio assistance: help with streamlining

Thanks, I've edited the post and marked the changes. Also for the bond fund in my 401(k) - I also have the option of an intermediate term fund in the form of PIMCO Total Return PTTRX, ER of 0.27%. There seem to be some conflicting opinions on whether intermediate (which provides better returns at a ...
by Whakamole
Wed Feb 17, 2016 6:48 pm
Forum: Personal Investments
Topic: Portfolio assistance: help with streamlining
Replies: 9
Views: 1247

Portfolio assistance: help with streamlining

I'm a bit of a recovering mutual fund addict from my former days, and have spent the past year consolidating and simplifying things as much as possible, moving the most of my actively managed funds into index funds and taking advantage of TLH to liquidate some others (thus the ready cash mentioned b...
by Whakamole
Sat Feb 13, 2016 3:01 pm
Forum: Personal Investments
Topic: Confused by GMO asset class forecasts?
Replies: 2
Views: 597

Re: Confused by GMO asset class forecasts?

Is he still talking up timber? I remember that was their "next big thing" for a while.
by Whakamole
Thu Feb 04, 2016 1:59 pm
Forum: Investing - Theory, News & General
Topic: 67% Expense Ratio?
Replies: 10
Views: 2353

Re: 67% Expense Ratio?

Perhaps the Steadman funds are making a comeback.
by Whakamole
Mon Feb 01, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: ESPP - help talk me into selling
Replies: 8
Views: 1412

Re: ESPP - help talk me into selling

It's a lot of single company risk. What if all the execs are hauled off in handcuffs and the company goes bankrupt, at the same time you get laid off. Could you handle that financially? It happens. It happened to me. One day the stock was $23. The next, the execs were doing the perp walk, and the s...
by Whakamole
Mon Feb 01, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: ESPP - help talk me into selling
Replies: 8
Views: 1412

ESPP - help talk me into selling

I've been contributing to my ESPP plan since I joined my current company some time ago. Recently the stock value has been increasing, so I decided to, for the most part, stop selling. Right now I'm sitting on $8k+ of capital gains, split about equally belong long-term and short-term. I sold some las...
by Whakamole
Sat Jan 30, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59455

Re: Vanguard TurboTax - Not Available 2015?

The $9.95 H&R Block worked for me (no FL state tax). It looks for updates every time it opens. I'm not sure if it is the same as what I downloaded from the H&R Block website. So, it sounds like you bought from the H&R website and not this shared download ? I used the shared download. Federal only D...
by Whakamole
Fri Jan 29, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59455

Re: Vanguard TurboTax - Not Available 2015?

The $9.95 H&R Block worked for me (no FL state tax). It looks for updates every time it opens. I'm not sure if it is the same as what I downloaded from the H&R Block website. So, it sounds like you bought from the H&R website and not this shared download ? I used the shared download. Federal only D...
by Whakamole
Fri Jan 29, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: "The Best Stock Over the Last 30 Years? You've Never Heard of It"
Replies: 3
Views: 1610

Re: "The Best Stock Over the Last 30 Years? You've Never Heard of It"

You can Google the article to bypass the firewall.

It's BCPC, Balchem. I've never heard of it either.
by Whakamole
Mon Jan 25, 2016 6:36 pm
Forum: Personal Investments
Topic: UMB Bank's HSA is much improved
Replies: 16
Views: 6828

Re: UMB Bank's HSA is much improved

Interesting, our UMB HSA doesn't have the Vanguard Target Date funds (we have Schwab's), but has some other funds of interest like Vanguard Balanced, Wellesley, Total International Index, Extended Market Index, and a lot of more eclectic offerings like two bear funds, an international REIT, and PIMC...
by Whakamole
Sat Jan 23, 2016 5:48 pm
Forum: Personal Investments
Topic: Interpreting an Offer To Purchase
Replies: 9
Views: 1324

Re: Interpreting an Offer To Purchase

From http://topac.co.il/?page_id=15 : Reverse Mergers to Public Shells Top Alpha Capital holds American public shells, which are “clean”, “active” and “reporting”, thus providing for ready availability for reverse mergers of private companies following immediate capital raising through a private inv...
by Whakamole
Wed Jan 20, 2016 7:04 pm
Forum: US Chapters
Topic: Seattle Chapter?
Replies: 122
Views: 26645

Re: Seattle Chapter?

It was nice meeting everyone this past weekend. Sorry I had to leave early :(
by Whakamole
Wed Jan 20, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a used Mazda in the Seattle area
Replies: 20
Views: 1933

Re: Looking for a used Mazda in the Seattle area

Wallingford is a nice part of town, probably one of the few neighborhoods in the city I'd live (there or Greenlake.) Parking is generally a hassle though, unless her place is deeper into the residential area (i.e. not right off 45th where she will be competing for spots with people visiting.) If she...
by Whakamole
Wed Jan 13, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 8593

Re: Help - want to pay "cash" for a car

I was in similar circumstances ~10 years ago; I took the loan and paid it all off the next month. Maybe the money can be wired to the dealership?