Search found 103 matches

by Sage16
Thu Jul 30, 2020 3:00 pm
Forum: Personal Investments
Topic: What to do with cash
Replies: 28
Views: 3407

Re: What to do with cash

Look at Ally Bank No Penalty CD's they are 11 mo. CDs with currently .0.95% APY and there is no penalty for early withdrawal after 6 days. About as close to a free lunch you can get right now. Locks in a rate for almost a year and also easily accessible. They also have just a normal savings @ 1.0% ...
by Sage16
Wed Jul 15, 2020 5:16 pm
Forum: Personal Investments
Topic: Wells Fargo PMA increasing fees
Replies: 39
Views: 2908

Re: Wells Fargo PMA increasing fees

We picked up a $1000 bonus moving our checking and brokerage account from Wells to Chase, the end of last year and never looked back. I believe they have a promotion going still.
by Sage16
Wed Jul 08, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Anybody use a percussion massage device?
Replies: 16
Views: 1207

Re: Anybody use a percussion massage device?

Our personal trainer has the Theragun G2Pro and recommended we buy one to use on the tight spots in our back and legs. When we went to buy one, the Theragun G3Pro was out so we bought that. It is pricy. It has 2 power settings and the high is nice and strong. We have a cheaper massager that we bough...
by Sage16
Sun Jun 28, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet Recommends S & P 500?
Replies: 34
Views: 3297

Re: Warren Buffet Recommends S & P 500?

So Warren Buffett's net worth is currently in the ballpark of $70 Billion. He has said that 99% of his wealth is in Berkshire stock and all of that will go to charity. So the remaining 1%, a mere $700 Million will go to his wife. If we ignore that he has said he owns some farm land and part of a com...
by Sage16
Wed May 06, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3939

Re: Should you tip landscapers?

We normally put out a cooler each day filled with bottled water and an assortment of soft drinks for house painters, window installers, sprinkler installers, etc. We have brought in subway and McDonalds for lunch a few times for the crew. On a rare occasion we have tipped a small crew if they are th...
by Sage16
Tue May 05, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Princess Cruise: Take Cash or Greater Future Credit
Replies: 23
Views: 2121

Re: Princess Cruise: Take Cash or Greater Future Credit

It has been 8 weeks since I requested my refund and I haven't heard or received anything from Princess. Their offer included future credits in addition to the refund and there is nothing in my account for that either. I am still getting marketing material from them. Are you referring to the onboard...
by Sage16
Tue May 05, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Princess Cruise: Take Cash or Greater Future Credit
Replies: 23
Views: 2121

Re: Princess Cruise: Take Cash or Greater Future Credit

Has anyone received their refund and/or future credits from Princess Cruises? It has been 8 weeks since I requested my refund and I haven't heard or received anything from Princess. Their offer included future credits in addition to the refund and there is nothing in my account for that either. I am...
by Sage16
Tue Apr 14, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14202

Re: How many paid for kids' college?

We paid for tuition, books, room/board, etc and a used car for each of 3 kids to go to State Universities and tuition while living at home for a 4th to go to beauty college. 3 are girls and they got married within a few years of each other and the wedding cost was like a 5th year each of college exp...
by Sage16
Sat Apr 11, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund - part of Asset Allocation?
Replies: 93
Views: 3313

Re: Emergency Fund - part of Asset Allocation?

One way to look at it: If you consider your emergency fund as part of your fixed income allocation and if you had a situation that caused you to draw down your entire $40k emergency fund would you then rebalance back to your target AA by selling equities and buying FI? If yes, in my opinion I think ...
by Sage16
Thu Mar 26, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel--Cancelling Delta Flight
Replies: 20
Views: 1257

Re: Chase Travel--Cancelling Delta Flight

2 weeks ago I cancelled flights to France that I had booked with UR points through Chase. They booked us on Delta but the flights were actually on Delta's partner Air France. We also paid extra to the airline via credit card to select our seats. I cancelled through Delta and they sent a cancel confi...
by Sage16
Sat Mar 21, 2020 4:07 pm
Forum: Personal Investments
Topic: A thank you to the “pay down the mortgage” folks...
Replies: 31
Views: 3427

Re: A thank you to the “pay down the mortgage” folks...

During the great recession, I watched our investment account balances drop more that we owed on our house, but at the same time our mortgage balance and monthly payments didn't change even if it was only at 3%. I was kicking myself for not drawing down our investments before the recession to payoff ...
by Sage16
Thu Mar 19, 2020 7:18 pm
Forum: Personal Investments
Topic: Vanguard Bank Transaction Times
Replies: 5
Views: 257

Re: Vanguard Bank Transaction Times

If you select to wire transfer the funds from Vanguard to your bank instead of ACH you can normally get them a day faster.
by Sage16
Thu Mar 19, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11523

Re: How much cash to have during coronavirus panic?

Years ago I had a co-worker that felt he needed to kept $5,000 in cash at home in case he ever had to bail out a family member in the middle of the night. He had a teenager at home. We use cash for tips, give it as birthday presents to the kids and grandkids and that is about it, so we have very lit...
by Sage16
Thu Mar 12, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: Would you invest your HELOC in the market?
Replies: 57
Views: 1974

Re: Would you invest your HELOC in the market?

No. The goal should be to be debt free.
by Sage16
Thu Mar 12, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Princess Cruise: Take Cash or Greater Future Credit
Replies: 23
Views: 2121

Re: Princess Cruise: Take Cash or Greater Future Credit

I just submitted my form for the cash back. I expect there will be lots of deals when things get going again as people cautiously and slowly return to cruising. And if I am wrong, I still have the cash to decide where to spend.
by Sage16
Sun Mar 08, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1629
Views: 230663

Re: Fidelity as a one stop shop

I moved my HSA account to Fidelity and opened a CMA account as a backup to my primary bank. After trying out the Fidelity platform and really liking it I considered consolidating my brokerage and IRA accounts from Vanguard to Fidelity to simply life. I went to my local Fidelity office to see what th...
by Sage16
Fri Feb 21, 2020 7:47 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9926

Re: Has Vanguard deteriorated?

Vanguard is a for profit company. Happily, however, the profits are returned to the shareholders in the form of lower fees. Can you backup the statement that Vanguard returns the profits to us, the owners of their funds? I have been a long time happy Vanguard Flagship level customer and all my inve...
by Sage16
Sun Feb 16, 2020 12:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity Wiki Page Updates Initial Review
Replies: 58
Views: 3787

Re: Fidelity Wiki Page Updates Initial Review

Thank you for updating the Wiki, the information is very useful and I appreciate the time you spent updating it. 2 suggestions for additional content. Many Bogleheads have commented that they have consolidated their banking with their other accounts at Fidelity and as mentioned earlier the Cash Mana...
by Sage16
Sat Feb 08, 2020 3:13 pm
Forum: Personal Investments
Topic: Make The Case: Fidelity v. Schwab
Replies: 66
Views: 5172

Re: Make The Case: Fidelity v. Schwab

I recently moved my HSA account to Fidelity and along with it opened a CMA account and 2 accounts for my grandkids. I was amazed at how easy it was to open and transfer compared to when I opened the accounts I have at Vanguard. Setting up a link to my bank was easy and fast. I am now considering con...
by Sage16
Thu Jan 30, 2020 1:03 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 185
Views: 49491

Re: Seattle Area Chapter Meetings - Master Thread

I really appreciate that Elsebet has stepped up, in a volunteer role, and taken leadership of pulling together a regular meeting. Without her initiative there probably won't be a regional group meeting at all. She has attracted a diverse group of early and experienced investors to the meetings she h...
by Sage16
Thu Jan 23, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8827

Re: When to Change Car Battery?

I left my lights on once and AAA had to come give me a jump, he told me to run the engine for half an hour to recharge the battery. If we are only going on short trips, every 3 weeks or so we will take the car out and run it for 30 minutes at highway speeds to clear out the engine and give the batte...
by Sage16
Wed Jan 22, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173143

Re: What frugal thing did you do today?

My wife ordered breakfast off the children's section of the menu this morning at IHop and saved $3 vs. ordering off the 55+.
by Sage16
Sat Jan 18, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5547

Re: Amazon free returns, any experiences?

We buy A LOT from Amazon and have returned a few items. Couldn't be easier. If you go to a UPS store, they will do all the packaging and print the label for you. All you do is take the item and print the return receipt (or show it on your phone so they can scan it), that Amazon gives you when you co...
by Sage16
Tue Jan 14, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Value of Active and Ongoing Reading of the Bogleheads Forums
Replies: 104
Views: 9309

Re: Value of Active and Ongoing Reading of the Bogleheads Forums

I continue to find value from a wide variety of topics here. Everything from travel pants, to moving a HSA accounts to Fidelity, to Chase CSR cards to what do to when Vanguard closed their Advantage account, to cutting the cord, etc, etc, etc. There is so much open sharing and experience on the best...
by Sage16
Sat Jan 11, 2020 3:46 pm
Forum: Personal Investments
Topic: Retirees How are you using your HSA Account?
Replies: 9
Views: 994

Retirees How are you using your HSA Account?

We are retired but still have a high deductible health insurance plan from my last employer. We have been maxing out our HSA contributions each year and paying our out of pocket medical expenses from other sources and not tapping our HSA. Next year I will need to apply for Medicare and 2 years later...
by Sage16
Tue Jan 07, 2020 9:56 pm
Forum: Investing - Theory, News & General
Topic: Brokerages and Cyber Fraud
Replies: 6
Views: 620

Re: Brokerages and Cyber Fraud

Was wondering if anyone knew the typical policy the bigger brokerages have regarding cyber fraud and customer restitution? I came across an interesting article regarding investor's 401Ks getting raided by having their email hacked and using the 'forgot my password' feature to login and withdraw fun...
by Sage16
Sun Jan 05, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5430

Re: My Wishlist for Vanguard

+ 4 on offering a HSA account
+1 on offering a CMA account
++++++ on investing to insure our accounts stay secure.
by Sage16
Sun Jan 05, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: CNBC Nightly Business Report cease production in Dec 2019
Replies: 123
Views: 7701

Re: After almost 30 years I need a replacement. Where is the best place to get business news on the net that you can wa

abuss368 wrote:
Thu Jan 02, 2020 11:13 pm
iamblessed wrote:
Thu Jan 02, 2020 6:46 pm
I need a good news to replace the NBR news.
The Wall Street Journal is delivered to the house each day. I long realized that is all I need or enjoy. I have more time as I have tuned the rest out.
+1 WSJ seems to cover all the bases for me.
by Sage16
Sun Jan 05, 2020 1:51 pm
Forum: Personal Investments
Topic: Passive (3-fund) with an Active (Wellington) component
Replies: 16
Views: 2084

Re: Passive (3-fund) with an Active (Wellington) component

I’m quite capable of mulling an idea over for three weeks, then taking action ... and then changing my mind the next day. I am sure a lot of us have experienced that, I know I sure did. I would pick my funds, then watch to see if they were performing, and constantly look if there was a better fund ...
by Sage16
Thu Dec 19, 2019 6:29 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 185
Views: 49491

Re: Seattle Area Chapter Meetings - Master Thread

The food at food court of market place was awful and expensive. next meet should happened in McDonald, happy meal is much more boglehead. I like that the food court provides a lot of different options for lunch and there is room for our group to meet. An option is to stop at the drive thru at McDon...
by Sage16
Wed Dec 18, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone here surviving without a credit card?
Replies: 85
Views: 4408

Re: Is anyone here surviving without a credit card?

we use cash for tips and birthday gifts, everything else goes on a credit card.
by Sage16
Mon Dec 09, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo Dot
Replies: 77
Views: 4060

Re: Amazon Echo Dot

We have 3 Echo devices. Our son has one in the garage for music. We have an old first gen Echo in the bedroom for an alarm clock, check the weather, listen to a favorite morning web radio station while we get ready in the morning, etc. And we have a Show in the kitchen for timer, looking up recipes,...
by Sage16
Fri Nov 08, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" + Sapphire Banking Linking
Replies: 6
Views: 1117

Re: Chase "You Invest" + Sapphire Banking Linking

sam1838 wrote:
Fri Nov 08, 2019 11:32 am
I have Chase You Invest, and I use VMFXX in it as my savings account.
+ 1
by Sage16
Sat Oct 26, 2019 1:13 pm
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3592

Re: Best Single Entity for Investments + Cash + Banking

We keep our investment accounts at Vanguard and use ACH to move funds as needed between Wells and Vanguard, and we can get a transfer in 2 business days. We regularly use the services of a brick and mortar bank so dropping that is not an option for us. HOWEVER..... I also keep an investment account ...
by Sage16
Sat Oct 19, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 25
Views: 4684

Re: Chase "You Invest" account - Biggest complaint

We just took advantage of a $1,000 bonus and signed up for Sapphire checking and You Invest account just yesterday. Since I pulled the $75k to open the account out of my Vanguard Federal MM account, I am pleased to see I can reinvest in the same fund in my You Invest account. My initial review of th...
by Sage16
Mon Aug 05, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 2046

Re: Putting my wallet on a diet

xb7 wrote:
Mon Aug 05, 2019 10:39 am
I put an app on my phone that allows me to keep a set of photos hidden and password protected, so I have photos of both sides of medical card and dental insurance card there (along with car registration, passport image, other stuff).
what is the app you are using?
by Sage16
Mon Aug 05, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 2046

Re: Putting my wallet on a diet

I went to a Wells Fargo ATM machine to get cash and found I forgot my wallet. I went into their app on my phone and obtained a single use code that I entered on the ATM instead of the card. Worked great the one time I needed it. I slimmed down my wallet for normal carry to a driver license and 3 cre...
by Sage16
Sun Jul 21, 2019 3:40 pm
Forum: Personal Investments
Topic: International Bond Fund - yes or no?
Replies: 61
Views: 6919

Re: International Bond Fund - yes or no?

I had a 30% of my bond allocation to it per the recommendation from Vanguard. Then I came to realize that I really don't understand the hedging part; the cost it adds, when hedging helps the return and more importantly when it work against you. I did some research and since a number of the respected...
by Sage16
Tue Jul 09, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11681

Re: Who cuts your hair? And for how much?

$24 (senior rate) plus $6 tip at my local Sports Clip. I love the 5 minute head massage and hot towels on the face. And I check the wait time and get in queue online.
by Sage16
Fri Jul 05, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2297

Re: Have you cleaned your own carpets?

We bought a carpet cleaner from Costco and used it a number of times. Then we went back to renting a machine from the grocery store or home depot because they did a better job. But both of those options seem to take a long time to dry. My wife now will only have the professionals come in with the la...
by Sage16
Mon Jun 24, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4824

Re: Favorite mountain lodge destinations in the west?

A little closer to home is Sunriver Resort. A variety of lodging options, easy to get around, a nice village with shops and lots of different dining options.
by Sage16
Sun Jun 23, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 72
Views: 9044

Re: Vanguard to offer private equity investments? Thoughts?

As long as Vanguard continues to stay true and offer low cost stock and bond index funds, I welcome their investigation and potentially expanding into additional offerings for investors. You can pick and choose if something makes sense for you or not. Odds are the private equity, if they go forward ...
by Sage16
Sun May 05, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2825

Re: Outdoor Jacuzzi - Cost vs Value?

You could do a trial and see if it gets enough use to warrant such an expense. We had a Coleman inflateable hot tub and it was great. About $300 on Amazon. What's to not like here. Interesting, I may need to take a look at that. Based on all the other comments above I am questioning if it is the ri...
by Sage16
Sun May 05, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2825

Outdoor Jacuzzi - Cost vs Value?

My wife is asking about putting a freestanding Jacuzzi in the backyard. I am mixed on the idea, I like the thought of it but the Boglehead in me questions the cost and value. For setup I am assuming the main costs are the Jacuzzi, concrete pad and electrical work. Ongoing is the cost of chemicals an...
by Sage16
Fri Apr 05, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 9871

Re: Married couples: can you have a team mentality with separate finances?

I fall into the "one pot" camp. It just seems silly and tedious and reasonably impossible to accurately track each other's individual earnings, savings and expenses. I absolutely believe it can work, but for me (and my wife) it just doesn't make sense to have separate finances. I agree it undercuts...
by Sage16
Tue Mar 26, 2019 11:32 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 185
Views: 49491

Re: Seattle Area Chapter Meetings - Master Thread

If you (or anyone in the thread) have any suggestions for lunch places that have large tables for groups and good parking on the eastside I'm all ears! I've found one place that meets both requirements so far but would like some variety. One thought is the food court at Crossroads Mall on 156th Ave...
by Sage16
Sun Mar 03, 2019 12:56 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 1865

Re: Managing cash in a Wells Fargo Portfolio account

On second thought, I have a taxable account at Vanguard where I keep several $100K of VTSAX. Perhaps I should just buy $25K of VTI at Well Fargo to meet the min. balance requirements of the Portfolio account and then rebalance everything with the Vanguard account, keeping most of my cash there in V...
by Sage16
Fri Mar 01, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69823

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I still find the need to maintain a relationship with a local bank for the occasional medallion signature guarantee, cashier's check, wire transfer and a safety deposit box. An online only bank can't do all of that and I do have a requirement for those services from time to time. I manage all my ban...
by Sage16
Thu Feb 28, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69823

Vanguard Discounting Advantage Accounts

[merged into existing topic - moderator prudent] I received an email from Vanguard this morning: "We are writing to let you know that after careful consideration, we have decided to discontinue the VanguardAdvantage® account on July 31, 2019. Why the change? At Vanguard, we are always evaluating th...