Search found 478 matches

by pokebowl
Sat Jul 31, 2021 11:18 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 216
Views: 12641

Re: VG Removing Message Center [Vanguard]

This is validating my moving of accounts over to Fidelity. I used to have a 401k, two IRAs, a joint account and brokerage account at Vanguard. Over the last couple years I've slowly reduced my accounts at Vanguard down to just the joint brokerage account. Perhaps I can convince the SO its time to ro...
by pokebowl
Thu Jul 29, 2021 2:13 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19139

Re: Thinking of Dropping Out of International Stock Funds

Good call OP. International funds are perpetually lagging in performance. If that is the only criteria to invest or not invest. Let me steal an old image from forum member vineviz: https://i.imgur.com/JOo8Cuq.png The year is 1991 instead of 2021, based on the initial criteria above, do you bother w...
by pokebowl
Mon Jul 26, 2021 11:45 pm
Forum: Investing - Theory, News & General
Topic: Why are international stocks down?
Replies: 11
Views: 1953

Re: Why are international stocks down?

I firmly believe that there are three main reasons which explain the current international market behavior.

Unfortunately, I have no idea what those might be.
by pokebowl
Sat Jul 24, 2021 12:47 am
Forum: Personal Finance (Not Investing)
Topic: What is the average savings rates for bogleheads?
Replies: 267
Views: 19921

Re: What is the average savings rates for bogleheads?

What sort of rate do you normally have? Has it varied that much over the years or been fairly consistent? Do you regret having too much of one and not enjoying more or saving too little and wish you had put back more? Over the last 5 years (where I have good data) its bounced between 55-65%. I have...
by pokebowl
Fri Jul 23, 2021 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not All ATM Fees Are Reimbursed By Fidelity (Problem Resolved)
Replies: 33
Views: 2670

Re: Not All ATM Fees Are Reimbursed By Fidelity...

I've been using Fidelity for my banking for years and this doesn't sound correct: They said that because the transaction grouped the ATM fee and the withdrawal together (displayed on my account as -$42.50 instead of -$40.00 and -$2.5) and so treated it as a "Debit card purchase" as opposed...
by pokebowl
Mon Jul 05, 2021 2:31 pm
Forum: Personal Investments
Topic: Leaving Vanguard
Replies: 87
Views: 14150

Re: Leaving Vanguard

How do so many on this board only have 3 funds but think they need someone to call on 24/7? Not all of us are within the same timezone as Vanguard. Add to that a working professional and our time to get support is limited. Vanguard states their current CS hours of operation are Monday–Friday 8 a.m....
by pokebowl
Sat Jul 03, 2021 1:43 am
Forum: Investing - Theory, News & General
Topic: Higher International returns coming from the falling dollar
Replies: 23
Views: 4884

Re: Higher International returns coming from the falling dollar

Lazarus enters the chat . Lazarus was raised after only 4 days, those are amateur numbers compared to this. :mrgreen: Forgive the continuation of this thread necromancy but this is too funny to ignore. When this post was written, the Shale Oil boom was only about three years old and would go on to ...
by pokebowl
Sun Jun 20, 2021 11:59 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 253
Views: 59134

Re: VTSAX or VTWAX over the next 35 years?

Any rationale for choosing either VTIAX or VTWAX over the other? I would choose VTIAX in taxable and VTWAX in tax deferred or tax exempt space. VTWAX doesn't always pass along the foreign tax credit to investors. Last time it did I believe was 2018, due to this VTIAX would probably be a more effici...
by pokebowl
Wed Jun 16, 2021 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Home Purchase - Portfolio Impacts for Stock/Bond Ratio (also: Taxes!)
Replies: 13
Views: 1435

Re: Unexpected Home Purchase - Portfolio Impacts for Stock/Bond Ratio (also: Taxes!)

Well another option (option 4?) if your portfolio can easily cover the costs initially is explore a SBL/PAL (Securities Based Lending/Pledged Asset Line) style leverage against your portfolio. It doesn't have to be for the full value of the home but whatever portion helps with your rebalancing. It w...
by pokebowl
Mon Jun 14, 2021 12:16 pm
Forum: Investing - Theory, News & General
Topic: I'll never regret not having international funds in my portfolio
Replies: 281
Views: 19962

Re: I'll never regret not having international funds in my portfolio

tvubpwcisla wrote: Mon Jun 14, 2021 10:55 am What are your thoughts on either including or excluding international from your portfolio?
My thoughts is that this thread will exhaust itself by page 2 and be locked. :beer
by pokebowl
Sat Jun 12, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 17770

Re: which state to retire

VanGar+Goyle wrote: Fri Jun 11, 2021 4:47 am [
If you have to pick a state, then you may want to winter in Florida, and summer in Alaska,
Don't know if its worth it having a house up here in Alaska for only two months. :mrgreen:
by pokebowl
Wed Jun 09, 2021 9:42 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 713
Views: 69252

Re: What is your asset allocation and age, are you retired?

Asset Allocation: 95% Equities/5% Misc
Age: Early 30s
Retired Status: 4 years until FIRE

:beer
by pokebowl
Sun Jun 06, 2021 3:25 pm
Forum: Investing - Theory, News & General
Topic: How much cash do you hold in your investment account?
Replies: 91
Views: 10502

Re: How much cash do you hold in your investment account?

Right now, $23 in my taxable account. Usually this is zero or close to zero give or take a couple pennies. My checking account as well usually only has enough to cover last months bills. Otherwise I hold zero cash across all accounts. Its either spent or invested. :greedy
by pokebowl
Sun Jun 06, 2021 1:32 am
Forum: Personal Investments
Topic: 100% VTSAX until age 50?
Replies: 101
Views: 9364

Re: 100% VTSAX until age 50?

[deleted]
by pokebowl
Wed Jun 02, 2021 5:50 pm
Forum: Personal Investments
Topic: How Are you Protecting your Retirement Accounts From Thieves and a Suggestion
Replies: 41
Views: 5271

Re: How Are you Protecting your Retirement Accounts From Thieves and a Suggestion

No real changes here. The largest risk to the end user is phishing/social engineering which as long as you use true two-factor tokens negates a large portion of the risk. Broad-based campaigns that target end users for defraudment will go the path of least resistance. If you click a link in an email...
by pokebowl
Wed Jun 02, 2021 11:33 am
Forum: Personal Investments
Topic: AMC exit strategy... Anyone
Replies: 72
Views: 6330

Re: AMC exit strategy... Anyone

AMC has transitioned from stock status to stonk status. Thus it will only go up for the foreseeable future. Powered by hype and meme magic.
by pokebowl
Tue Jun 01, 2021 11:39 am
Forum: Investing - Theory, News & General
Topic: Cheapest Asset Classes Today?
Replies: 34
Views: 4619

Re: Cheapest Asset Classes Today?

+1 to FM My issue with FM (the ETF) is the markets it focuses on appear too small for a true passive fund. Due to frontier markets being less liquid in general, the sample size the fund has to choose from is pretty small. In my opinion, frontier markets are the one area active funds may make more s...
by pokebowl
Tue Jun 01, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: ex-US Stocks Continue to Soar!
Replies: 244
Views: 27339

Re: ex-US Stocks Continue to Soar!

International running circles around Total US today. :greedy :greedy
by pokebowl
Mon May 31, 2021 12:50 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg commodities index still in contango
Replies: 135
Views: 16839

Re: Bloomberg commodities index still in contango

latest report shows contango essentially unchanged from last month at -13.3% https://data.bloomberglp.com/promo/sites/12/778617_BCOM-May2020Outlook.pdf One year does make a difference: https://i.imgur.com/ceBt5Kn.png A positive number indicates backwardation while a negative number indicates contan...
by pokebowl
Sun May 30, 2021 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cyber attacks increasing - do you have concerns about the security of your investment accounts?
Replies: 83
Views: 14379

Re: Cyber attacks increasing - do you have concerns about the security of your investment accounts?

So, we need to make up fictional security questions and answers? Most companies do not allow you to make up the questions, but instead limit you to select categories of pre-selected options to choose from. Any question that references something that could be gleaned from your credit report, public ...
by pokebowl
Fri May 28, 2021 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cyber attacks increasing - do you have concerns about the security of your investment accounts?
Replies: 83
Views: 14379

Re: Cyber attacks increasing - do you have concerns about the security of your investment accounts?

+1, and unfortunately with many accounts still using SMS as the default or only 2FA option, or worse an account recovery option, just having that phone number gives someone the keys to the kingdom. For those who still use SMS for any 2FA, your really trusting your wireless phone provider with your ...
by pokebowl
Fri May 28, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cyber attacks increasing - do you have concerns about the security of your investment accounts?
Replies: 83
Views: 14379

Re: Cyber attacks increasing - do you have concerns about the security of your investment accounts?

Do you believe re-using usernames is a serious risk? I keep my financial username different than all of my social media and other account usernames, but I do use the same username at several of my financial institutions. I wasn't concerned about this originally and now it seems difficult to change ...
by pokebowl
Fri May 28, 2021 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Cyber attacks increasing - do you have concerns about the security of your investment accounts?
Replies: 83
Views: 14379

Re: Cyber attacks increasing - do you have concerns about the security of your investment accounts?

As someone who has worked in cybersecurity for over a decade, my take on it is, it's the same as it ever was. I would say I have the same concerns with Vanguard and the like in 2021 that I had in 2011. As long as there are humans working at these financial institutions with the ability to access you...
by pokebowl
Sun May 23, 2021 11:53 pm
Forum: Personal Investments
Topic: Is Anyone 100% International In Either Their 401k or Roth?
Replies: 24
Views: 3489

Re: Is Anyone 100% International In Either Their 401k or Roth?

Very curious, as I've held VTWAX in my Roth for a considerably long time. As the US is my home country, I'm cognizant that I'm underweight in my entire portfolio with international diversification. Has anyone taken the plunge and gone 100% international in either their 401k or Roth? Say 100% a VXUS...
by pokebowl
Sat May 15, 2021 12:37 am
Forum: Investing - Theory, News & General
Topic: Time zones and retail investor behavior
Replies: 8
Views: 1190

Re: Time zones and retail investor behavior

Is retail investor behavior affected by their time zone's offset relative to the exchange? I've lived and worked all over the pacific ring of fire. The time differences have never impacted myself or my friends and coworkers who also trade. You just adjust accordingly. When I lived in Hawaii, I simp...
by pokebowl
Mon May 10, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23845
Views: 3116788

Re: U.S. stocks in free fall

Inflation appears to be the driving factor of the week's freakout, at least until Wednesday.
by pokebowl
Mon May 10, 2021 4:30 pm
Forum: Personal Investments
Topic: Why foreign stocks?
Replies: 115
Views: 7619

Re: Why foreign stocks?

I recommend searching against the forum here and look back through the several hundred threads on this topic. Many points are often repeated and the horse has long been beaten into dust. As both sides tend to talk over the other, you will not see an agreement reached, but you will see where the argu...
by pokebowl
Sat May 08, 2021 1:21 am
Forum: Personal Finance (Not Investing)
Topic: IRS hasn't processed 2019 tax amendment(Mail delivered to IRS August 2020), not showing up in IRS portal, what to do ?
Replies: 45
Views: 3696

Re: IRS hasn't processed 2019 tax amendment(Mail delivered to IRS August 2020), not showing up in IRS portal, what to do

Got nasty letter to say I didn't put in 2019 return (I did)... send that form back with additional copy of 2019..... 2 months go past and still no record in portal..... I have proof of delivery for both (usps orig and ups 2nd copy).... Obviously no way to talk to a human.... They owe me some $.... ...
by pokebowl
Thu May 06, 2021 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRS not answering the phone
Replies: 54
Views: 3588

Re: The IRS does not answer the phone

You are probably better off writing a letter in contestment. Even if a phone number is listed as the method of contact, usually the IRS is going to want documented proof for their own mess up which will require a letter. Another option is to schedule an appointment with a local IRS office to review ...
by pokebowl
Thu May 06, 2021 9:40 am
Forum: Investing - Theory, News & General
Topic: Why isnt everyone buying TIPS?
Replies: 107
Views: 9769

Re: Why isnt everyone buying TIPS?

there's a sizable subculture organized around inflation-related conspiracy theories. Perhaps, but other countries have been caught with their hand in the cookie jar in the past. Argentina comes to mind as a more recent example of a country that intentionally fudged their inflation data. While I won...
by pokebowl
Tue May 04, 2021 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23845
Views: 3116788

Re: U.S. stocks in free fall

It was a RBD for the majority of my portfolio. On the other hand, my dogecoin holdings are now up over 25,000% since I threw a couple bucks at it way back when :greedy
by pokebowl
Mon May 03, 2021 1:07 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 244
Views: 21952

Re: Whence inflation?

but isn't true inflation procter & gamble, coca cola, clorox, and now Buffett report price increases due to 'significant inflation' in input prices. earlier in april, neilsoniq reported over general merchandise year over year increase of 7%. edited to add, pepisco, hershey, modelez, kraft, gene...
by pokebowl
Fri Apr 30, 2021 9:45 pm
Forum: Personal Investments
Topic: Vanguard vs Schwab vs Fidelity for young/new investor
Replies: 55
Views: 4202

Re: Vanguard vs Schwab vs Fidelity for young/new investor

Fractional shares are routine for mutual funds. AM/FM radio is a standard offering for automobiles, but with how modern automobiles offer much more functionality and options for entertainment at no additional cost, it doesn't make sense to settle for the automobile that just offers AM/FM radio. Whe...
by pokebowl
Fri Apr 30, 2021 3:55 pm
Forum: Personal Investments
Topic: Vanguard vs Schwab vs Fidelity for young/new investor
Replies: 55
Views: 4202

Re: Vanguard vs Schwab vs Fidelity for young/new investor

Vanguard get stuck in the past: - online interface is outdated and many tasks require paper forms - many funds have $3K minimums - mutual fund accounts have $20 fee - no support for fractional shares - no cash management account - overworked and incompetent customer support You forgot, out of the t...
by pokebowl
Wed Apr 28, 2021 8:08 pm
Forum: Personal Investments
Topic: Protect savings from imminent inflation?
Replies: 35
Views: 4252

Re: Protect savings from imminent inflation?

miket29 wrote: Wed Apr 28, 2021 6:53 pm

We live in CA. It's been like that for over a decade. Welcome to our world ;-)

I suggest you get a savvy broker.
I am pretty sure a savvy broker wouldn't even be able to help you much in CA in this current market.
by pokebowl
Tue Apr 27, 2021 8:17 pm
Forum: Investing - Theory, News & General
Topic: Young Investor's Over Confidence
Replies: 144
Views: 11782

Re: Young Investor's Over Confidence

For most Millennials and Gen Z in their investing lives they have never seen a serious downturn, let alone a long term downturn. While it was a quick flame in hindsight, we really shouldn't ignore the 2020 crash as "different" or doesn't count. It was a unique crash just like all the rest...
by pokebowl
Mon Apr 26, 2021 1:10 pm
Forum: Investing - Theory, News & General
Topic: Tokenized stock trading through crypto exchanges and its impact on the larger market
Replies: 58
Views: 3234

Re: Tokenized stock trading through crypto exchanges and its impact on the larger market

So this part: "Holders of the stock tokens will qualify for economic returns on the underlying shares, such as any potential dividends." How would that work? I did some digging on the Binance website. This is under their FAQ: Stock tokens are denominated, settled, and collateralized in BU...
by pokebowl
Mon Apr 26, 2021 12:10 pm
Forum: Investing - Theory, News & General
Topic: Tokenized stock trading through crypto exchanges and its impact on the larger market
Replies: 58
Views: 3234

Tokenized stock trading through crypto exchanges and its impact on the larger market

Locked: See this post by the site owner: New Forum Policy Prohibiting Discussions of Cryptocurrency, Market Manipulation Schemes, etc as Investing Strategies I saw a surge of news stories this morning on "tokenized stocks" pegged to crypto currency now being offered in select markets glob...
by pokebowl
Sat Apr 24, 2021 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Earthquake Insurance
Replies: 36
Views: 3597

Re: Earthquake Insurance

I reside in the most earthquake prone state in the union (Alaska) which has an average of more than 1,000 earthquakes per month. :twisted: Given the high frequency of earthquakes up here, insurance companies charge a pretty large premium for property damage, usually 20-30% of the total cost of resid...
by pokebowl
Fri Apr 23, 2021 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax considerations of one-time capital gains windfall from sale of house [Calif]
Replies: 12
Views: 1211

Re: Tax considerations of one-time capital gains windfall from sale of house [Calif]

we'd bump up to a 20% federal capital gains rate ... Note that this rate may soon double at the federal level due to proposed legislation making the rounds should your capital gains push you well above $1M. Also don't forget the NIIT tax of 3.8%. Your overall question isn't clear to me however as i...
by pokebowl
Thu Apr 22, 2021 3:24 pm
Forum: Investing - Theory, News & General
Topic: For those adding Crypto as an asset class to their AA
Replies: 152
Views: 10526

Re: For those adding Crypto as an asset class to their AA

feh wrote: Sat Apr 17, 2021 2:46 pm I understand some folks say all crypto is an example of greater fool theory, but dogecoin most certainly is.
I thought the same, ended up putting $3 into dogecoin in 2018...its since gone up over 20,000% :greedy
by pokebowl
Thu Apr 22, 2021 9:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look [Calculations may be incorrect]
Replies: 229
Views: 26184

Re: Vanguard Portfolio Watch has a new look

I am just happy with the days when Vanguard's website actually loads the correct website version and doesn't fall back to the retro version with all the dead links. Example on the retro version many sub pages have the now defunct personal.vanguard sub-domain instead of the new investor.vanguard sub-...
by pokebowl
Mon Apr 19, 2021 4:02 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 24
Views: 2935

Re: MSCI was forced to add China into its emerging market index...

For a number of years investors have been wanting more exposure to the China A shares. MSCI and FTSE have been working on it and the latest announcements don't sound very different at all from what was being discussed quite some time ago. Jan 31, 2019 China is 3.2% of FTSE Global All Cap and 3.4% o...
by pokebowl
Wed Apr 14, 2021 1:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1338738

Re: U.S. stocks continue to soar!

Not sure about my U.S stocks this morning, but the couple bucks I threw at dogecoin as a joke back in the day is now up over 6000%. Think I missed some news. :shock:
by pokebowl
Tue Apr 13, 2021 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: I just became a victim of identity theft - What to do now?
Replies: 20
Views: 1925

Re: I just became a victim of identity theft - What to do now?

I would review the guide and steps outlined here :beer Also did you call the department store back to confirm? Did you previously do business with this department store and that is how they had your number? Occasionally you will receive calls from scammers purporting to be from a banking institution...
by pokebowl
Fri Apr 02, 2021 4:22 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 13665

Re: 30 Years and 100% VTI

Huh? Plopping $10k into VTI in '91 and not touching it again would leave you with over $200k in 2021. Pretty darn good gains, I'd say. The key word in their response was "escheat". Meaning regardless of performance, if money was left in the account and not touched again or looked at for 3...
by pokebowl
Tue Mar 30, 2021 9:54 am
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 974
Views: 88142

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

ARKX - Ark's Space Exploration and Innovation ETF starts trading today. Not too crazy about the asset mix as there appears no clear pattern in the stock picks, but considering its competition Procure Space ETF (UFO) and SPDR S&P Kensho Final Frontiers (ROKT) are also night and day from each othe...
by pokebowl
Sun Mar 28, 2021 12:08 pm
Forum: Personal Investments
Topic: Why the International Total Stock Market piece?
Replies: 46
Views: 3856

Re: Why the International Total Stock Market piece?

lostdog wrote: Sun Mar 28, 2021 9:48 am Getting my popcorn ready...
At this point I personally just go back through my posting history and shamelessly copy/pasta older replies and hope no one calls me out for it. :mrgreen:
by pokebowl
Sat Mar 27, 2021 2:22 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 104
Views: 10035

Re: AAA - American Auto Assn - Service has gone way down

I have been a AAA member for over a decade, however recently have been running the numbers to see if it is still worth maintaining the membership. 10 years ago, AAA had its own national network, a great deal of travel perks and discounts, and overall good customer service. While it still does mainta...
by pokebowl
Fri Mar 26, 2021 12:04 am
Forum: Personal Investments
Topic: Why, just why?! (American Century proposal)
Replies: 32
Views: 3649

Re: Why, just why?! (American Century proposal)

Anyone with American Century Private Client service have a plan vastly different/simpler than this? I'll quote a forum member nedsaid who currently uses the service. They perhaps can provide specific feedback if you have questions. Here is their review and experience: I am using American Century Pr...