Search found 71 matches

by Sage16
Fri Nov 08, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" + Sapphire Banking Linking
Replies: 6
Views: 768

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: 3216

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: 24
Views: 3703

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: 1881

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: 1881

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: 5350

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: 10341

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: 2017

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: 4556

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: 70
Views: 7874

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: 2637

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: 2637

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: 9552

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: 141
Views: 37161

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: 1655

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: 63401

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: 63401

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...
by Sage16
Wed Feb 20, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Advisability of Using a Personal Trainer at the Gym
Replies: 52
Views: 4139

Re: Advisability of Using a Personal Trainer at the Gym

Why would you still need a personal trainer? Once you know how to work out, as in principles and you know the proper form, why continue? Must be for motivation purposes. Now you have to look at it from a BH perpsective. This is extra money, maybe quite a lot. It is like havng an advisor for your in...
by Sage16
Tue Feb 19, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Advisability of Using a Personal Trainer at the Gym
Replies: 52
Views: 4139

Re: Advisability of Using a Personal Trainer at the Gym

We bought a block of 30 minute training sessions at a Black Friday sale at our gym over a year ago. The director for the trainers interviewed us, did a body composition makeup then selected a trainer for us. At first we had reservations with someone almost 40 years younger than us that may not appre...
by Sage16
Mon Feb 18, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15089

Re: Men's No-Cotton Travel Pants / Shirts Suggestions? Other Tips from experienced world travellers?

Have not had any shirt suggestions to feedback on. Perhaps another thread for that would be in order. The timing of your thread was perfect as I was preparing for a trip to Cuba when you started it and now that I am back I am making adjustments for a trip in April to Asia. As far as shirts, I have ...
by Sage16
Mon Feb 18, 2019 3:36 pm
Forum: Personal Investments
Topic: What is your RMD (required minimum distribution) strategy?
Replies: 43
Views: 2983

Re: What is your RMD (required minimum distribution) strategy?

I am retired but still a decade away from taking RMD's and SS. I do need a new crystal ball because mine is foggy regarding the future. I "assume" that at age 70.5, I will be in a higher tax bracket than before hand due to the income from RMD's and SS. I also assume that withdraws from Roth's will c...
by Sage16
Sun Feb 17, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 27
Views: 5651

Re: "Stay The Course" -- Jack Bogle's last book -- A Gem

I read mine cover to cover right after I received it. A great book by a great man. Thank you Taylor for posting some key points as a refresher. I always look forward to your posts, perspective and wisdom.
by Sage16
Mon Feb 11, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3577

Re: Travel to Cuba

We just got home 2 days ago from a cruise to Cuba. We cruised round trip from Miami via Viking Ocean cruises. We had a blast and highly recommend it. The cruise was a good introduction to Cuba and if we ever go back again (lots of other places in the world we have yet to see first) we will do a lon...
by Sage16
Sun Feb 10, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3577

Re: Travel to Cuba

Thank you all for sharing your experiences, very informative. Do local people speak english? It's a required subject in school now. Apparently years ago Russian was the requirement but now English is. The only person we interacted with that didn't speak much English was the driver of our classic ca...
by Sage16
Sun Feb 10, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3577

Re: Travel to Cuba

I believe that travel (for Americans) to Cuba is still, or again, prohibited if it is for tourism. Of course many people lie and say they are there for one of the twelve acceptable reasons. Cuba will remain of my travel list until the rules change. I don't believe in lying on something as important...
by Sage16
Sun Feb 10, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3577

Re: Travel to Cuba

We just got home 2 days ago from a cruise to Cuba. We cruised round trip from Miami via Viking Ocean cruises. We had a blast and highly recommend it. The cruise was a good introduction to Cuba and if we ever go back again (lots of other places in the world we have yet to see first) we will do a long...
by Sage16
Sun Jan 20, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15089

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I get my travel pants at REI. I have been happy with the REI brand as well as Prana and Kuhl. I have found them light weight, comfortable, practical for both day use and dinner.
by Sage16
Sat Jan 19, 2019 7:56 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 141
Views: 37161

Re: Seattle Area Chapter Meetings - Master Thread

Thanks for hosting another great Seattle area chapter meeting Elsebet. The turnout was fantastic. I think you found a good central location and I am not sure if there is a better place with a private room, but I am wondering about your thoughts if starting the meeting a little later, e.g. 1pm, would...
by Sage16
Sun Jan 13, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 876

ID during International Travel

When traveling international we sometimes don't have our passport with us when we are out and about in a foreign country. If on an ocean or river cruise they tend to hold your passports and your ship id is supposed to be your identification and sometimes we have it locked in a hotel safe. The last f...
by Sage16
Sun Jan 13, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4477

Re: Duffel Bag vs Wheeled Stand Up traveling

We travel VERY light and I like to have my hands free so I prefer travel backpacks. When we travel internationally my husband and I both use one of these as our only carry-on: https://store.ricksteves.com/shop/p/classic-backpack We used that pack for even 2 week international trips, we just did a l...
by Sage16
Sat Jan 05, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: "Road Scholar" Travel
Replies: 18
Views: 2508

Re: "Road Scholar" Travel

I don't have direct experience with them but talking to a couple at a New Years eve party they mentioned that they used them last year on a trip ( I don't call which trip) and they were pleased and would use them again.
by Sage16
Sat Dec 22, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle on concept of growth and value index funds
Replies: 6
Views: 1123

Bogle on concept of growth and value index funds

In reading John Bogle's latest book "Stay the Course", I found his description of the original concept behind the Growth Index Fund and the Value Index Fund very interesting. Page 94, shortened version... Investors who were accumulating assets should consider Vanguard Growth Index Fund, with a high ...
by Sage16
Mon Nov 19, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: Where do you get your information? Favorite blogs/sites/resources?
Replies: 25
Views: 3110

Re: Where do you get your information? Favorite blogs/sites/resources?

I read a good old fashioned daily paper copy of the wall street journal with my morning coffee.
by Sage16
Tue Nov 06, 2018 10:59 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 141
Views: 37161

Re: Seattle Area Chapter Meetings - Master Thread

I am planning to attend the lunch meeting on Nov 16th. My wife may also attend but she won't know for sure until the 16th.
by Sage16
Tue Aug 14, 2018 12:50 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 141
Views: 37161

Re: Seattle Area Chapter Meetings - Master Thread

Thanks Elsebet for taking the initiative to set this up. I appreciate the Eastside location and you selected a good topic for the meeting. Unfortunately I have travel plans then so I will have to look forward to the following meeting to attend.
by Sage16
Wed Aug 01, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13515

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

as a rule we always buy it for all our international trips. We just consider it part of the trip cost and move on.
by Sage16
Thu Jul 12, 2018 5:13 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 141
Views: 37161

Re: Seattle Area Chapter Meetings - Master Thread

I live eastside also, so Bellevue or even a little more east is desired. A meeting in Seattle is not worth the travel to me unless there is a special guest speaker. A regular lunch meeting every month or every other month or even quarterly would be of interest. Friday works great.
by Sage16
Tue Jun 26, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 16721

Re: How much (green) cash at home for emergency ?

I had a boss not too long ago that said he kept $5,000 cash at home. He had a teenage son that was starting high school so he wanted to make sure he had enough cash ready available in case he ever had to post bail in the middle of the night. Personally we keep $400 - 500 at home for emergencies but ...
by Sage16
Mon May 07, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 3608

Re: New car for my wife

125k on an RX350 is just the break-in period, how can it be toast so quick? We buy 3 year old lease return Lexus'. Most recently we had 175k until a suicidal deer jumped in front of us but it was going strong and never had an issue just regular maintenance. Always used synthetic oil. Our GS has 130k...
by Sage16
Tue May 01, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 14454

Re: Have you quit eating sugar? Tell me how!

I sometimes crave sugar after a meal. If we have it in the house I tend to get into it. However, lately I have found that if I have something small, one or two gummy bears or a couple tic tacs that seems to satisfy it. Two other things I found is if I brush my teeth immediately after a meal the crav...
by Sage16
Sat Apr 14, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Video Recommnding World Market Cap Weight
Replies: 4
Views: 808

Re: Vanguard Video Recommnding World Market Cap Weight

Vanguard does off a Total World Stock Index Fund VTWSX but only investor shares at .19% expense (no admiral class) and an ETF version VI at .1% expense. The video does talk about easing investors into accepting a foreign allocation so maybe they are on a journey towards a world market cap with their...
by Sage16
Sun Apr 08, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 3770

Re: WF Visa 3% FX fee

The Costco Citibank visa has no forex fee and no annual fee. The Costco card will also give you a 3% rebate on travel expenses, including plane tickets, hotels, cruises, rental cars, etc. Plus 3 or is it 4 now on the Costco Citi card. We carry some local cash mainly for tips or small shops or resta...
by Sage16
Mon Feb 19, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 5178

Re: Is window replacement this expensive?

Last year we spent $16k to replace all 14 windows in our house with Milgard Tuscany via Home Depot. We went through Home Depot to get their lifetime warranty with lower risk that they will be out of business vs other window sellers. We were happy with the subs they hired to do the install work.
by Sage16
Fri Jan 19, 2018 2:04 pm
Forum: Personal Investments
Topic: Fidelity Freedom 2020 vs Vanguard Index Funds?
Replies: 16
Views: 2904

Re: Fidelity Freedom 2020 vs Vanguard Index Funds?

One other consideration to make before rolling it over is that 401k plans appear to offer more protection against judgements than do Rollover and regular IRA's. States have different protection levels for the IRA's, but I have yet to come across a crisp definition of protection between the 401k's an...
by Sage16
Sat Jan 13, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3698

Re: Will never not upgrade Business travel again

My dilemma is two fold, we are basically booglehead frugal and is my wife is 5' 5" and skinny and doesn't have an issue with the smaller coach seats and leg room. So the value she places on spending up for an upgraded seat especially on an international flight is different than the value I see at 6'...
by Sage16
Thu Jan 04, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CEO's Biggest Challenge Is Success
Replies: 7
Views: 1112

Re: Vanguard CEO's Biggest Challenge Is Success

I don't have access to the Financial Times article but I do have access to the WSJ article. I know its assumed, at least I sure hope so, but I would have liked to see him call out computing security as one of his top priorities. Vanguard has gotten so big that there must be some smart people in the ...
by Sage16
Sat Dec 23, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 3229

Re: Bounty or Kirkland brand

my wife says we buy Kirkland brand and she is very happy with them. She is a clean freak so if they were inferior she won't use them.