Search found 1862 matches

by UpperNwGuy
Mon Apr 22, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: How to get USAA insurance?
Replies: 20
Views: 1723

Re: How to get USAA insurance?

Any reason in particular you want USAA for insurance? I just was shopping around for the first time after leaving my parent's plan and USAA was ~40% more expensive than a policy with identical coverage with Geico. YMMV, but with all the insurance I've quoted through USAA (Renter's and Auto) they ha...
by UpperNwGuy
Sat Apr 20, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5006

Re: Vanguard kicking butt with Target Date Funds

I don't own target date funds, but if I did, I would seriously consider Fidelity's target date index funds rather than Vanguard's because Fidelity's funds have less international exposure than do Vanguard's.
by UpperNwGuy
Sat Apr 20, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2757

Re: How far would you commute?

I worked for 39 years and my commutes were 4 miles for 8 years, 25 miles for 2 years, 8.5 miles for 15 years, 7.5 miles for 4 years, and 3.9 miles for 10 years. I absolutely detested the 25 mile commute. I think 10 miles would be my absolute limit, with 5 miles or less being preferred. I tried to li...
by UpperNwGuy
Fri Apr 19, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 11
Views: 569

Re: Medicare B only vs FEHB only

I'm a retired Fed and now have Medicare Parts A and B as my primary and FEHB as my secondary. In that situation, Medicare Part D is unnecessary. This combo is excellent and worth every penny.
by UpperNwGuy
Fri Apr 19, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard vs BlackRock vs DFA
Replies: 5
Views: 720

Re: Vanguard vs BlackRock vs DFA

Paisley wrote:
Fri Apr 19, 2019 9:43 am
Yet Larry, Dan, Fama & French all love DFA.
They're all professionals in the field. For self-directed amateurs, better to stick with Vanguard, Fidelity, Schwab, Black Rock, and State Street.
by UpperNwGuy
Fri Apr 19, 2019 9:44 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 96
Views: 8366

Re: Thinking about selling stocks near all time highs

livesoft wrote:
Fri Apr 19, 2019 8:34 am
^I love that train analogy. Thanks for posting it!
+2
by UpperNwGuy
Fri Apr 19, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4004

Re: American Funds vs Vanguard

Seems like the arguments against American Funds are:
— active management
— higher expense ratios
— need an advisor
— not total market
— lots of distributions (not tax-efficient)

I don't understand why a Boglehead would voluntarily go there.
by UpperNwGuy
Fri Apr 19, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1444

Re: Controlling Ivy on walls

TimeRunner wrote:
Thu Apr 18, 2019 7:53 pm
Rats love ivy - easy to climb, great habitat to hide and burrow in.
This is very true and is an oft-neglected aspect of the ivy problem.
by UpperNwGuy
Fri Apr 19, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 3756

Re: Would you be willing to temporarily change your AA?

I don't ever plan to change my target AA, but I can envision a crash situation in which the market changes my actual AA for me. If that happens, the question is whether I'd be willing to recover my target AA by selling bonds and buying stocks. The alternative would be to wait out the valley and let ...
by UpperNwGuy
Fri Apr 19, 2019 8:48 am
Forum: Personal Investments
Topic: investing beyond the three fund portfolio
Replies: 7
Views: 671

Re: investing beyond the three fund portfolio

I love boring! May all my investing days be boring. It got a bit exciting on December 24th, and that reminded me why I prefer boring.
by UpperNwGuy
Fri Apr 19, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8100

Re: This could be the biggest risk that retirees face?

Unfortunately, the risk of dementia and Alzheimer's begin to increase exponentially beginning in one's 80s. According to Larry Swedroe, one in three persons aged 85 is likely diagnosed with Alzheimer's and the risk continues to increase beyond that age. Look to your left and right at the persons st...
by UpperNwGuy
Fri Apr 19, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 1917

Re: In search of a dishwasher that dries plastics well...

My dishwashing workflow is to open the dishwasher after the cycle completes and tip/shake all those top-shelf plastic items that accumulate so much water. This could be done immediately, or the next day. Then I leave the door ajar for 6+ hours (or 2 days). All items are then 100% dry. This techniqu...
by UpperNwGuy
Thu Apr 18, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 75
Views: 3956

Re: In which companies do you own a single share, or token amount, of stock?

I know it's not exactly the Boglehead way, but I'm sure most of us here own a few individual company stocks outside of our index funds. I seriously doubt that "most of us here own a few individual company stocks outside of our index funds." I own no individual stocks, have never owned individual st...
by UpperNwGuy
Thu Apr 18, 2019 7:30 am
Forum: Personal Investments
Topic: Updating Outside Investments on Web Site
Replies: 13
Views: 597

Re: Updating Outside Investments on Web Site

Wow! Lots of emotion on this topic....
by UpperNwGuy
Thu Apr 18, 2019 7:05 am
Forum: Personal Investments
Topic: Updating Outside Investments on Web Site
Replies: 13
Views: 597

Re: Updating Outside Investments on Web Site

RickBoglehead wrote:
Wed Apr 17, 2019 8:45 am
I simply use the Other Investments section. I manually update holdings, Vanguard updates prices based on stock symbol, works fine. I see no reason to have any aggregator accessing my accounts elsewhere.
^^^ This is what I do.
by UpperNwGuy
Thu Apr 18, 2019 7:01 am
Forum: Personal Investments
Topic: Where to put $100,000
Replies: 18
Views: 2194

Re: Where to put $100,000

I would put it in the Vanguard Prime Money Market Fund, but if you worry about such things as FDIC (I do not), then put it in the Vanguard Treasury Money Market Fund (which has a $50,000 minimum). Treasury is as good as FDIC.
by UpperNwGuy
Thu Apr 18, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1927

Re: Am I getting the runaround from my dentist?

HomeStretch wrote:
Wed Apr 17, 2019 10:10 am
Sounds like your dentist is out-of-network and filed the insurance claim on your behalf as a courtesy. If you want more control over the reimbursement process, an alternative is to ask for an itemized bill and submit the claim yourself.
^^^ This is what I do.
by UpperNwGuy
Wed Apr 17, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. Bank/Bancorp 100 free trades per year
Replies: 19
Views: 807

Re: U.S. Bank/Bancorp 100 free trades per year

I never understand why folk want to invest at places other than Vanguard, Fidelity, Schwab, or T Rowe Price. If I had to pick one, it would be none of those. It would be Merrill Edge. They have the best all-around deal, not even including the transfer bonuses. Which are a substantial factor. If you...
by UpperNwGuy
Wed Apr 17, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. Bank/Bancorp 100 free trades per year
Replies: 19
Views: 807

Re: U.S. Bank/Bancorp 100 free trades per year

I never understand why folk want to invest at places other than Vanguard, Fidelity, Schwab, or T Rowe Price.
by UpperNwGuy
Wed Apr 17, 2019 8:26 pm
Forum: Personal Investments
Topic: Buying VTI or VTSMX for retirement in fidelity brokerage
Replies: 8
Views: 718

Re: Buying VTI or VTSMX for retirement in fidelity brokerage

I would buy FSKAX instead of VTI or VTSMX.
by UpperNwGuy
Wed Apr 17, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3132

Re: dropping umbrella and increasing auto liability

Bad idea. I think you should keep the umbrella.
by UpperNwGuy
Tue Apr 16, 2019 8:55 pm
Forum: Personal Investments
Topic: Flagship Select
Replies: 5
Views: 1664

Re: Flagship Select

The last time someone here on Bogleheads listed the benefits of Flagship Select, I determined that I would not use any of those benefits, so I don't mind not being Flagship Select.
by UpperNwGuy
Tue Apr 16, 2019 5:15 pm
Forum: Personal Investments
Topic: Considering Muni bond ETFs for my Taxable account
Replies: 9
Views: 981

Re: Considering Muni bond ETFs for my Taxable account

tiburblium wrote:
Tue Apr 16, 2019 4:47 pm
Thanks everyone for the replies, some of the high yield muni funds mentioned look interesting, especially the short term HY muni SHYD but I'm just going to keep things simple and stick with T-Bills in my "bonds" portion of my portfolio. Cheers
Why?
by UpperNwGuy
Tue Apr 16, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 76
Views: 9613

Re: Do not use Personal Capital

I've used software where you can easily enable/disable access at the click of a button. I get that it's free software and I have to pay for it somehow. Well on Mint I'm served ads, which is mildly annoying but at least no one has a complete view of my entire financial history. Clearly I agreed to t...
by UpperNwGuy
Mon Apr 15, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 45
Views: 5310

Re: What is your one favorite fixed income for retirement?

Vanguard Total Bond Market Index Fund.
Vanguard Intermediate-Term Tax-Exempt Fund.
by UpperNwGuy
Mon Apr 15, 2019 9:40 am
Forum: Personal Investments
Topic: Shifting away from 100% stocks - how do you execute shift without timing?
Replies: 17
Views: 1150

Re: Shifting away from 100% stocks - how do you execute shift without timing?

Just do it. Do it today. Ignore the daily ups and downs of the S&P 500.
by UpperNwGuy
Mon Apr 15, 2019 8:31 am
Forum: Personal Investments
Topic: Schwab international fund
Replies: 9
Views: 606

Re: Schwab international fund

Others may not agree, but I think SWISX is good enough.
by UpperNwGuy
Mon Apr 15, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1785

Re: Financial Priorities - List

I find it counterproductive to try to prioritize long lists of such things. Instead I divide my finances into needs and wants. Needs are needs and mostly have the same priority. Wants can be ranked or at least grouped into categories.
by UpperNwGuy
Mon Apr 15, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1496

Re: How to get rid of musty smell in house

When you go on vacation, leave your air conditioning on. Maybe turn up the temperature setting a degree or two, but don't raise the temperature dramatically.

Also, dry your damp clothes in a clothes dryer, or hang them outside.
by UpperNwGuy
Sun Apr 14, 2019 7:37 pm
Forum: Personal Investments
Topic: VMRXX vs. VMFXX MM Fund for excess cash/ EF
Replies: 6
Views: 408

Re: VMRXX vs. VMFXX MM Fund for excess cash/ EF

Can you tell us the names of the funds? I don’t recognize the tickers.
by UpperNwGuy
Sat Apr 13, 2019 8:59 am
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 6856

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

It is not a reason to not invest. If it were a reason, then nobody would ever invest.
by UpperNwGuy
Thu Apr 11, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 2878

Re: Buying a bed

whodidntante wrote:
Thu Apr 11, 2019 9:41 pm
I am leaning towards an inner spring flippable matress, slightly firm.
That's what I want, too, but I'm discovering that they are hard to find these days.
by UpperNwGuy
Thu Apr 11, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8102

Re: Are Airport Lounges Worth the Money?

Lounges are worth the money when you travel internationally. For domestic travel, not so much. Unless the lounge is right next to your gate, it will be a hassle to visit unless you have at least 90 minutes until boarding. My favorite domestic lounge is the main Delta Airlines Sky Club in Atlanta. My...
by UpperNwGuy
Thu Apr 11, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Mac mail malfunctioning - keeps asking for my gmail passwords
Replies: 9
Views: 708

Re: Mac mail malfunctioning - keeps asking for my gmail passwords

I had this problem awhile back, so I deleted both AOL and gmail from my Apple mail. Not elegant, but it solved the problem. I quit using AOL completely after that, and I check gmail from the Google browser. I use Apple as my primary email account, and that still works fine.
by UpperNwGuy
Thu Apr 11, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2699

Re: sort of deadbeat tenant

I'm guessing that the deadbeat tenant is well aware that his security deposit is in jeopardy, so he will not pay the last month's rent, thereby removing the landlord's leverage completely.
by UpperNwGuy
Thu Apr 11, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: Growth More Popular Than Value?
Replies: 8
Views: 1232

Re: Growth More Popular Than Value?

dkturner wrote:
Thu Apr 11, 2019 10:20 am
UpperNwGuy wrote:
Tue Apr 09, 2019 8:31 pm
I invest in the total market and ignore the concepts of growth and value. Life is easier that way.
Easier maybe, but not as lucrative as momentum investing.
Lucrative = more risk.
by UpperNwGuy
Thu Apr 11, 2019 8:54 am
Forum: Personal Investments
Topic: High Federal Taxes this year: Tips on reducing taxes, particularly of short-term investments
Replies: 52
Views: 3786

Re: High Federal Taxes this year: Tips on reducing taxes, particularly of short-term investments

Seem to me that OP is asking two questions:
— how to reduce his total tax
— how to reduce the balance due when he files his return
by UpperNwGuy
Tue Apr 09, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2990

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I love loss leaders. I think Fidelity's ZERO funds and no-minimums policy are wonderful things. They've already pushed Vanguard to lower the minimums for Admiral shares. I'm surprised Schwab hasn't done more in response. It's a great time to be an investor. Thanks, Fidelity! (I find it odd that so ...
by UpperNwGuy
Tue Apr 09, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2990

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I love loss leaders. I think Fidelity's ZERO funds and no-minimums policy are wonderful things. They've already pushed Vanguard to lower the minimums for Admiral shares. I'm surprised Schwab hasn't done more in response. It's a great time to be an investor. Thanks, Fidelity! (I find it odd that so m...
by UpperNwGuy
Tue Apr 09, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return lost in mail, do I simply refile?
Replies: 29
Views: 2333

Re: Tax Return lost in mail, do I simply refile?

I would wait it out and see what happens. In the future, however, I would file electronically. You know within hours that the IRS has accepted your return. It really is worth the money.
by UpperNwGuy
Tue Apr 09, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: Growth More Popular Than Value?
Replies: 8
Views: 1232

Re: Growth More Popular Than Value?

I invest in the total market and ignore the concepts of growth and value. Life is easier that way.
by UpperNwGuy
Tue Apr 09, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3421

Re: Is a work-at-home job have the same expectations as the office job?

I keep reading on Bogleheads about how people with work-at-home jobs are able to get a lot done during the day that is not work related. Things like care for infants, do appointments, or take care of household chores like laundry, making dinner, and the like. My thought was that a normal job allows...
by UpperNwGuy
Tue Apr 09, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6217

Re: How Much Do You Pay For Haircut?

Seems to me that there is quite a disparity in haircut prices in Washington DC.
by UpperNwGuy
Tue Apr 09, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3421

Re: Is a work-at-home job have the same expectations as the office job?

I keep reading on Bogleheads about how people with work-at-home jobs are able to get a lot done during the day that is not work related. Things like care for infants, do appointments, or take care of household chores like laundry, making dinner, and the like. My thought was that a normal job allows...
by UpperNwGuy
Tue Apr 09, 2019 8:12 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1759

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster. That's surprising to me. I have always been able to transfer mo...
by UpperNwGuy
Tue Apr 09, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 13957

Re: New 2019 RAV4 is now out - looks good

Just like that? You make people who buy an used luxury cars every 7 years look frugal. +1 You should read his thread on his CRV. Then you might understand why he's looking for a new car. I'd be doing the same. I have read the thread, how could you miss it! As a CRV owner, I can make my own judgment...
by UpperNwGuy
Tue Apr 09, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 5733

Re: Eviction notice

This is one of several reasons why I do not do automatic payments. automatic payments are great, when they work. If not I would be forced to drop off a check at the Property Management office 20 mins away every month, or mail in a check. Who the hell keeps stamps around these days. Usually if a pro...
by UpperNwGuy
Tue Apr 09, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 223
Views: 40680

Re: Vanguard Prime Money Market yield over 2.5%

Currently Roth IRA has a lot in Vanguard Prime Money Market Fund ( VMMXX ). SEC 2.45%. The idea is to park money while generating spendable Income. [...] Which is better, the old GNMA fund VFIJX or the newer Mortgage-backed Index VMBSX? Per my reply to you earlier in this thread - it's not clear to...