Search found 2514 matches

by UpperNwGuy
Sun Nov 17, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 44
Views: 23455

Re: Federal Blue Cross Standard versus Basic

I noticed the government pays 67% of the premium for the Standard Option, vs. 75% of the premium for the Basic Option. My interpretation of this discussion has been to favor the Basic Option for the savings on the premium, even before noticing the difference in what the gov't pays. Are you still ha...
by UpperNwGuy
Sun Nov 17, 2019 8:32 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1309

Re: Increasing risk appetite

Why are you writing to the Bogleheads seeking an endorsement of a very anti-Boglehead investment strategy?
by UpperNwGuy
Sun Nov 17, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: Help me understand iShares FLOT
Replies: 15
Views: 664

Re: Help me understand iShares FLOT

danielc wrote:
Sun Nov 17, 2019 5:33 pm
I'm looking for a place to stash an emergency fund that pays better than treasuries.
Why?
by UpperNwGuy
Sun Nov 17, 2019 10:56 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 63
Views: 3369

Re: Why do you have to "beat the market"?

I don't try to beat the market.
by UpperNwGuy
Sat Nov 16, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 116
Views: 7985

Re: Best thing you have ever bought?

VTSAX.
by UpperNwGuy
Sat Nov 16, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 82
Views: 5081

Re: More retirees have a mortgage

Many retirees have mortgages because they move to the Sun Belt soon after retiring and buy a new house, often larger than the one they sold up north. They justify the larger house because they want the grandchildren to visit.
by UpperNwGuy
Sat Nov 16, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: Rebalancing into bond funds with record low interest rates
Replies: 36
Views: 2852

Re: Rebalancing into bond funds with record low interest rates

I will be rebalancing from Total Stock into Total Bond in a few weeks, and I don't care about "record low interest rates" because I am investing for the long-haul. I'm not market timing.
by UpperNwGuy
Sat Nov 16, 2019 8:54 am
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 33
Views: 2040

Re: Ultra Short Term Treasury ETFs

I have used T-bills and BIL when I didn't want to have fixed income in Total US Bond Index fund, Vanguard Short-term corporate bond index fund, nor FLRN an investment grade floating rate note ETF. The reality for me was that a T bill was a hassle because none of this money was for long-term investi...
by UpperNwGuy
Sat Nov 16, 2019 8:51 am
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 33
Views: 2040

Re: Ultra Short Term Treasury ETFs

I will give Vanguard a call on Monday, but does anyone know if Vanguard has the ETF-equivalent of VMMXX? I can't find it, so I'm assuming not but thought i'd throw it out there. Out of luck on that one, Vanguard does not have ETF equivalents of their money market funds. OP, why are you insistent th...
by UpperNwGuy
Sat Nov 16, 2019 7:42 am
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 5996

Re: Preparing for a down market

I don't prepare separately for down markets. My asset allocation is based on my willingness to take risk over the long term, and that includes all types of markets (up, down, and sideways). For fixed income, I prefer holding bonds to holding money market funds or certificates of deposit.
by UpperNwGuy
Fri Nov 15, 2019 1:46 am
Forum: Personal Investments
Topic: Vanguard Funds Preliminary Capital Gains Estimates
Replies: 19
Views: 1838

Re: Vanguard Funds Preliminary Capital Gains Estimates

I see a lot of long term bond funds on the list.
by UpperNwGuy
Fri Nov 15, 2019 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 9911

Re: Disturbing experience with Ally Bank

student wrote:
Thu Nov 14, 2019 11:06 pm
This is just ridiculous. Within an online bank, one cannot even go to the branch and be in their face.
And this is exactly why I have never used online banks. All of my banks over the last 60 years have had a brick and mortar location within driving distance.
by UpperNwGuy
Thu Nov 14, 2019 3:12 am
Forum: Personal Investments
Topic: Ally as a one stop shop
Replies: 31
Views: 3369

Re: Ally as a one stop shop

My advice would be to stop seeking a one-stop shop and use a mix of financial institutions, focusing on the strengths of each one.
by UpperNwGuy
Tue Nov 12, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11176

Re: Saving seats on Southwest

People bash SWA but I'm telling you it's one of my preferred airlines. Flights are cheap and on time, they don't penalize you if you have to make changes, and bags fly free. Plus if you play the credit cards right, buy one get one free for two years. Open seating is just a slight inconvenience. Tra...
by UpperNwGuy
Tue Nov 12, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Cash In or Take Annual Leave
Replies: 11
Views: 1088

Re: Cash In or Take Annual Leave

dm200 wrote:
Tue Nov 12, 2019 10:51 am
No experience as a federal employee - but if you take the leave - won't you increase your length of employment - thereby increasing your pension?

Of course, it is also nice to get paid for this unused annual leave.
The increase to the pension would not be significant. The cash is a better deal.
by UpperNwGuy
Tue Nov 12, 2019 2:34 am
Forum: Personal Investments
Topic: 5 fund portfolio
Replies: 10
Views: 1350

Re: 5 fund portfolio

48% Total US Stocks
12% Ex-US Stocks
40% US Bonds
0% REIT (It’s already in Total Stock, so any more is a tilt.)
0% Gold (Why hold gold? Makes no sense.)
by UpperNwGuy
Tue Nov 12, 2019 2:21 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11176

Re: Saving seats on Southwest

I hate open seating, and that’s the main reason I never fly Southwest.
by UpperNwGuy
Tue Nov 12, 2019 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Cash In or Take Annual Leave
Replies: 11
Views: 1088

Re: Cash In or Take Annual Leave

Take the cash. You can live on it for the period between your last paycheck and your first annuity check. That first annuity check can take a long time to arrive. OPM has a processing backlog.
by UpperNwGuy
Sat Nov 09, 2019 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1670

Re: Flight Delay in Europe

arcticpineapplecorp. wrote:
Fri Nov 08, 2019 10:00 pm
yes and I believe I heard this on Clark Howard. But remember, it only applies if a delay occurs from Europe to the U.S., not from the U.S. to Europe.
I believe it does apply to flight delays from the US to Europe if you are flying a European carrier. Somebody correct me if I am mistaken.
by UpperNwGuy
Sat Nov 09, 2019 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" + Sapphire Banking Linking
Replies: 6
Views: 779

Re: Chase "You Invest" + Sapphire Banking Linking

Sounds to me like you are hoping Chase can be an all-in-one solution for your financial affairs (banking, investing, credit cards, etc). Unfortunately, neither Chase nor any other financial institution provides the best in each category. You will have to make compromises somewhere. Or you can use mu...
by UpperNwGuy
Sat Nov 09, 2019 2:00 am
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 54
Views: 7411

Re: Fidelity vs Vanguard

I have accounts at both firms and am happy with both.
by UpperNwGuy
Sat Nov 09, 2019 1:48 am
Forum: Personal Investments
Topic: is VINIX better than VTSAX ?
Replies: 13
Views: 1238

Re: is VINIX better than VTSAX ?

Follow the advice of JL Collins and buy VTSAx.
by UpperNwGuy
Sat Nov 09, 2019 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

Give up on this house and go look for another. This time involve your own agent from the beginning.
by UpperNwGuy
Thu Nov 07, 2019 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2468

Re: Amica - Auto Policy, only 6 months

Geico switched from 12 to 6 month policies many years ago. I was annoyed at the time, but I got over it. You will, too.
by UpperNwGuy
Thu Nov 07, 2019 1:46 am
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3648

Re: Vanguard suggesting I move to ETF's

The Vanguard guy said something like "yeah, that's the way we are going". What about their many funds that don't have an ETF share class? I hold Vanguard’s Intermediate-Term Tax-Exempt Fund. It only has two classes: Investor and Admiral. No ETF. When Vanguard finally gets around to establishing an ...
by UpperNwGuy
Tue Nov 05, 2019 8:12 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4617

Re: Stock market at its peak

Both my wife and I are investing in 100% stock--I am investing in Vanguard Total stock market and my wife is in Vanguard S&P 500. You have all your eggs in one basket: US stocks. I think it would be much less risky to use a fund like Vanguard Total World Stock Index. Less risky, but with lower retu...
by UpperNwGuy
Tue Nov 05, 2019 7:32 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4617

Re: Stock market at its peak

I have a large sum of money and would like to invest in Total stock market or S&P 500. Unfortunately these two stocks are now are at all-time high and I am just wondering if there is a better strategy of investing when the market is at its peak. How do you know that the market is at its peak? If th...
by UpperNwGuy
Tue Nov 05, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: Dividend investing vs. index investing
Replies: 30
Views: 2185

Re: Dividend investing vs. index investing

Ahhh... Yet another example of the never-ending quest for
nisiprius wrote:
Tue Nov 05, 2019 7:15 am
certain easily-identified categories of stock are Just Plain Better than stocks in general
When will we ever learn?
by UpperNwGuy
Mon Nov 04, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Citizens Bank 5% cash back on everything thru 3/31/20
Replies: 9
Views: 1368

Re: Citizens Bank 5% cash back on everything thru 3/31/20

Sounds too good to be true, but if it is true, go for it.... and don't worry about 5/24. This would be better than anything Chase could offer you.
by UpperNwGuy
Mon Nov 04, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Permit Pulled Without My Knowledge
Replies: 14
Views: 2160

Re: Permit Pulled Without My Knowledge

What does your lawyer say about this?
by UpperNwGuy
Sun Nov 03, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3630

Re: Best card to complement 2% cash back?

I use the Chase Sapphire Reserve for dining and travel and a 2% cash back card for everything else.
by UpperNwGuy
Sun Nov 03, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: kia soul ex for a senior
Replies: 8
Views: 973

Re: kia soul ex for a senior

I haven't ridden in the 2020 model yet, but the 2019 is certainly easy to get in and out of, an important consideration for a senior with decreasing mobility. It's also a fairly short vehicle, so it should be easy to parallel park.
by UpperNwGuy
Sun Nov 03, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10600

Re: Apple Pay. Does anyone use it?

As others have commented maybe the info is already out there, but my bottom line which I think got lost in transmission was are you willing to peel back another layer of privacy to save a few seconds at the checkout line? As has been previously mentioned, Apple Pay is more secure than using your cr...
by UpperNwGuy
Sun Nov 03, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs [Dynamic Currency Conversion]
Replies: 64
Views: 4526

Re: FYI, Spanish bank ATMs [Dynamic Currency Conversion]

I leave for Spain in two days and plan to use my Charles Schwab debit card to pull Euros from Deutsche Bank ATMs. This provides me with double protection in that Deutsche Bank doesn't charge a fee, and even if they did, Charles Schwab would reimburse me.
by UpperNwGuy
Sat Nov 02, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 1893

Re: Workplace PIP - Next Steps?

Time to find a new job.
by UpperNwGuy
Sat Nov 02, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 372
Views: 64116

Re: Unexpected Inflation Strategies

I'd lean on this forum for strategies. Be advised that this forum is unusually conservative when it comes to discussing bonds. In fact, the two topics where the consensus of this forum departs the most from John Bogle's recommendations are: (a) US vs international stocks, and (b) how conservatively...
by UpperNwGuy
Sat Nov 02, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 372
Views: 64116

Re: Bonds - Throw it all on the table!!!

I'm a retiree, and I don't expect unexpected inflation. (And yes, I lived through the high inflation 1970s and early 1980s as an adult, so I know what high inflation is and what damage it can do.) I don't own TIPS or I-Bonds, just Total Bond and Intermediate Tax Exempt. I consider my equities to be ...
by UpperNwGuy
Sat Nov 02, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2670

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

Riesling, Pinot Blanc, and other wines from the Alsace and Germany. You can also find a few decent Rieslings from Washington State.
by UpperNwGuy
Sat Nov 02, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1228

Re: Minimizing recurring expenses while travelling

I would recommend you get a studio apartment in a high rise building within a few miles of an international airport.
by UpperNwGuy
Sat Nov 02, 2019 9:55 am
Forum: Personal Investments
Topic: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?
Replies: 26
Views: 1757

Re: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?

Clever_Username wrote:
Sat Nov 02, 2019 9:29 am
Maybe I can redirect all distributions in the future to my money market at Vanguard and avoid this issue?
This is what I do, and it is much easier.
by UpperNwGuy
Sat Nov 02, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Chase Offers, How to Find them?
Replies: 3
Views: 326

Re: Chase Offers, How to Find them?

Don't use the website. Use the app on your smartphone.
by UpperNwGuy
Fri Nov 01, 2019 8:13 pm
Forum: Personal Investments
Topic: Alternative to Muni Bond Fund (VMATX) due to MAGI Impact?
Replies: 7
Views: 541

Re: Alternative to Muni Bond Fund (VMATX) due to MAGI Impact?

It always amazes me how people will willingly forego a large amount of income in order to avoid a smaller amount of taxes.
by UpperNwGuy
Fri Nov 01, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72375

Re: Flaunt Your High-Mileage Car

I just let my last Toyota LandCruiser go at 385,000 miles....I bought a new one and will drive it for 350K or so and repeat if I am not in the urn by then. They are terrible on gas and amazing solid beasts of a truck to own and drive. I take mine in every 10K to the dealer for service and have it d...
by UpperNwGuy
Fri Nov 01, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10600

Re: Apple Pay. Does anyone use it?

I use Apple Pay all the time. I thought everyone did. Are there people here who don't use it? I don't. I avoid installing financial apps on the phone, it's like putting all the eggs in one bucket. :sharebeer What do you mean "putting all the eggs in one bucket"? I have two credit cards in Apple Pay...
by UpperNwGuy
Fri Nov 01, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10600

Re: Apple Pay. Does anyone use it?

I use Apple Pay all the time. I thought everyone did. Are there people here who don't use it? I don't. I avoid installing financial apps on the phone, it's like putting all the eggs in one bucket. :sharebeer What do you mean "putting all the eggs in one bucket"? I have two credit cards in Apple Pay...