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by UpperNwGuy
Fri May 24, 2019 8:55 pm
Forum: Personal Investments
Topic: VASGX all in one fund for Roth IRAs + HSA?
Replies: 2
Views: 155

Re: VASGX all in one fund for Roth IRAs + HSA?

Sounds like a good plan.
by UpperNwGuy
Tue May 21, 2019 11:43 am
Forum: Personal Investments
Topic: Federal Gov't Early Retirement?
Replies: 45
Views: 3492

Re: Federal Gov't Early Retirement?

At 52, you will not meet the minimum retirement age of 57. So I would have to retire at 57 to receive any benefits? I'm just starting to research this area so this is all new to me. Thanks. You need to talk to the HR people in your agency. They usually have one more people who specialize in retirem...
by UpperNwGuy
Tue May 21, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 5514

Re: Lies, Damned Lies, And Index Funds

The two most indexed markets are S&P 500 and NASDAQ. They attract a huge amount of 401k monthly inflows, and both are arguably at or near in bubble territory. Indexing is not the problem, it’s indexing in these two markets combined with literally thoughtless 401k contributions that are creating a v...
by UpperNwGuy
Mon May 20, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Urgent credit problem
Replies: 35
Views: 3425

Re: Urgent credit problem

Unusual for a the routine burglar and burglary to obtain these jewels, basically your financial life. They usually go for the easy turnover items, electronics, cameras, phones, gold, silver etc... What's the rest of the story? Agree. This is a very unusual and sophisticated burglary. It sounds like...
by UpperNwGuy
Mon May 20, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 50
Views: 4723

Re: Relocate to Charleston SC?

My father lives on James Island in Charleston County and has had to evacuate three times in the last three years because of September hurricanes. He’s 6 miles inland.
by UpperNwGuy
Sun May 19, 2019 8:04 pm
Forum: Personal Investments
Topic: Individual treasuries vs treasury funds
Replies: 19
Views: 1374

Re: Individual treasuries vs treasury funds

Funds are less work than individual bonds. That’s why I use funds.
by UpperNwGuy
Sat May 18, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2884

Re: Crazy to Sell a Newer Car for an Older Car?

Keep the car for 10-12 years.
by UpperNwGuy
Fri May 17, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7479

Re: Did you buy the 600+ dip last week ?

I buy the same amount on the 2nd day of each month. If that happens to be during a dip, then I buy the dip. If a dip happens later in the month, as it did this month, then I miss the dip.
by UpperNwGuy
Fri May 17, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: Bond funds without mortgage backed part?
Replies: 26
Views: 1209

Re: Bond funds without mortgage backed part?

I'm looking to reduce the exposure to mortgage backed bonds which I owe via BND. Any diversified funds but without mortgage backed part? :confused Why don’t you like mortgage backed bonds? The "problem" with MBS is their negative convexity. If interest rates rise borrowers tend to hold on to their ...
by UpperNwGuy
Fri May 17, 2019 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?
Replies: 8
Views: 826

Re: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?

I use Schwab’s fee-free debit card overseas, but I don’t see it as a game-changer for picking a brokerage. I view their debit card as an alternative to my other banking arrangements.
by UpperNwGuy
Fri May 17, 2019 2:39 am
Forum: Investing - Theory, News & General
Topic: Will ETFs Replace Traditional Funds
Replies: 87
Views: 4779

Re: Will ETFs Replace Traditional Funds

If it isn’t free, then it is useless to me.
by UpperNwGuy
Fri May 17, 2019 2:11 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1024
Views: 145037

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

It could be that the level of fuel in oil that the 1.5T engine exhibits is not damaging to the engine. But I'm not willing to assume that and buy one of these vehicles knowing about the issue. I never would have bought one if I'd had a clue. Too many other choices out there to even mess with it. Ma...
by UpperNwGuy
Fri May 17, 2019 2:00 am
Forum: Investing - Theory, News & General
Topic: Bond funds without mortgage backed part?
Replies: 26
Views: 1209

Re: Bond funds without mortgage backed part?

Pomegranate wrote:
Thu May 16, 2019 11:12 pm
I'm looking to reduce the exposure to mortgage backed bonds which I owe via BND. Any diversified funds but without mortgage backed part? :confused
Why don’t you like mortgage backed bonds?
by UpperNwGuy
Fri May 17, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 79
Views: 6205

Re: Honda CRV or Toyota RAV4 ?

2. CRV uses a garbage CVT transmission, and the RAV4 doesn't. Also per scotty kilmer, CVT's are best avoided, and are complex and very expensive to fix, and less reliable. You sure about that? I thought a review of the RAV4 I read stated it had a CVT (2019). There aren't many small vehicles without...
by UpperNwGuy
Fri May 17, 2019 1:51 am
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3434

Re: Bonds beyond Total Bond Market - Anyone ?

I have both Total Bond and Intermediate Tax Exempt. All the other bond funds seem too conservative or too risky for my needs.
by UpperNwGuy
Fri May 17, 2019 1:42 am
Forum: Investing - Theory, News & General
Topic: Will ETFs Replace Traditional Funds
Replies: 87
Views: 4779

Re: Will ETFs Replace Traditional Funds

I’ve chosen to own mutual funds rather than ETFs after analyzing the pros and cons of each. If the pros and cons change in favor of ETFs at some future time, I’ll likely make the transition, but for now, I’m very happy with my mutual funds.
by UpperNwGuy
Fri May 17, 2019 1:15 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10630

Re: VTSAX or VTWAX over the next 35 years?

VTSAX or VTWAX over the next 35 years? That's Vanguard Total Stock Market Index Fund or the Vanguard Total World Stock Index Fund. What do you think? Neither. I would suggest ~25-35% total international and the rest in VTSAX. Also some bonds to create a fully diversified portfolio. Paul +1
by UpperNwGuy
Tue May 14, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 121
Views: 18693

Re: Do you rent even if you can afford to buy?

I owned a house during my 20 year marriage. I’ve rented an apartment for the 20 years since my divorce. I like renting better. It’s personal preference, not the result of economic analysis.
by UpperNwGuy
Tue May 14, 2019 12:41 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4012

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

iamblessed wrote:
Mon May 13, 2019 10:36 pm
If so could you name what kind of loans you do have? I have three personal loans and wonder if this is enough.
Why would you have so many loans if you don’t like credit cards? The only reasons I can think of to explain not liking credit cards would seem to apply equally to personal loans.
by UpperNwGuy
Sun May 12, 2019 9:10 am
Forum: Personal Investments
Topic: Moving a lump of cash into Stocks/Bonds over time or all at once
Replies: 14
Views: 1291

Re: Moving a lump of cash into Stocks/Bonds over time or all at once

If it were me, I would do it all at once tomorrow morning.
by UpperNwGuy
Fri May 10, 2019 2:40 am
Forum: Investing - Theory, News & General
Topic: Active Vanguard Funds besting index by 90 basis points (past 10 yrs)
Replies: 19
Views: 3310

Re: Active Vanguard Funds besting index by 90 basis points (past 10 yrs)

fortfun wrote:
Thu May 09, 2019 10:05 pm
https://www.financial-planning.com/opin ... o-advisors

Are Bogleheads still recommending index due to "past performance doesn't indicate future success?"
Yes, we are.
by UpperNwGuy
Sun May 05, 2019 5:51 pm
Forum: Investing - Theory, News & General
Topic: Introducing Two New Morningstar Bond Categories
Replies: 13
Views: 1049

Re: Introducing Two New Morningstar Bond Categories

The difference in the two new categories is indeed the risk profile. If you are concerned only about risk you should be using Treasuries not any of the funds in either of these new categories. I don't agree. I am concerned enough about risk to avoid the Core Plus funds, but I am not so obsessed abo...
by UpperNwGuy
Sun May 05, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Introducing Two New Morningstar Bond Categories
Replies: 13
Views: 1049

Re: Introducing Two New Morningstar Bond Categories

No impact on me because my only bond holdings are Vanguard Total Bond (which falls into the better of the two new categories) and Vanguard Intermediate Tax Exempt (which is outside the scope of this re-bucketing exercise). Depends on how you define "better". :D Last 10 years growth for the new Inte...
by UpperNwGuy
Sun May 05, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: Introducing Two New Morningstar Bond Categories
Replies: 13
Views: 1049

Re: Introducing Two New Morningstar Bond Categories

The difference in the two new categories is indeed the risk profile. If you are concerned only about risk you should be using Treasuries not any of the funds in either of these new categories. I don't agree. I am concerned enough about risk to avoid the Core Plus funds, but I am not so obsessed abo...
by UpperNwGuy
Sun May 05, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: Introducing Two New Morningstar Bond Categories
Replies: 13
Views: 1049

Re: Introducing Two New Morningstar Bond Categories

No impact on me because my only bond holdings are Vanguard Total Bond (which falls into the better of the two new categories) and Vanguard Intermediate Tax Exempt (which is outside the scope of this re-bucketing exercise).
by UpperNwGuy
Sun May 05, 2019 8:03 am
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 72
Views: 11040

Re: Visualizing the devastating impact of fees

I find the format of the chart to be confusing. I would rather see it as a line chart following the "growth of $10,000" format.
by UpperNwGuy
Sat May 04, 2019 11:18 am
Forum: Personal Investments
Topic: Short Term Treasury Fund for Cash Savings?
Replies: 28
Views: 2546

Re: Short Term Treasury Fund for Cash Savings?

I like your plan to use FUMBX. It’s what I would probably do in your situation.
by UpperNwGuy
Fri May 03, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Move to South Florida or Baltimore?
Replies: 29
Views: 2828

Re: Move to South Florida or Baltimore?

I would live in the Baltimore suburbs before I would live in South Florida. Heat, humidity, and hurricanes would be three of the reasons.
by UpperNwGuy
Fri May 03, 2019 1:51 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 2522

Re: Should I go to a Fidelity Office to Set up Account?

I recently opened a taxable account at Fidelity, but I did it online. I have two Fidelity local offices nearby, one 3 miles to the north and the other 5 miles to the south. I haven't visited either office because their website has been sufficient for what I've needed so far.
by UpperNwGuy
Thu May 02, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: Do You Believe 10 Years Return Data Is Just Noise?
Replies: 57
Views: 3193

Re: Do You Believe 10 Years Return Data Is Just Noise?

If I could only see a single ten year period, I would want it to be the most recent ten years.
by UpperNwGuy
Wed May 01, 2019 9:12 pm
Forum: Personal Investments
Topic: Retirement Investment Advice
Replies: 5
Views: 488

Re: Retirement Investment Advice

I like the first of your three options.
by UpperNwGuy
Wed May 01, 2019 9:10 pm
Forum: Personal Investments
Topic: VTI vs. VTSAX in taxable account
Replies: 11
Views: 903

Re: VTI vs. VTSAX in taxable account

I have VTSAX in taxable and am quite happy with it. I don't see how VTI would be better.
by UpperNwGuy
Wed May 01, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27296

Re: 20 countries where 200K in retirement savings will last you decades

Frankly, after having spent many years in the Deep South, I'd much rather live there than about any of the Latin American countries out there, at least. It's very affordable, rule-of-law is followed, and the relatively few areas with comparatively high crime are widely known about and easily avoide...
by UpperNwGuy
Wed May 01, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27296

Re: 20 countries where 200K in retirement savings will last you decades

There are a lot of people who are going to disagree with you that some of those things you listed are actually markers of a good place to live. Don't get this thread locked. Many will argue that the earth is flat, and vaccines cause autism. Doesnt make it true. Stating facts isnt a crime. Yet. Ther...
by UpperNwGuy
Wed May 01, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7871

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I would never retire to a beach town along the Gulf Coast or the Southeast Atlantic coast. I don't like heat, humidity, or hurricanes. My 90+ year old father has had to evacuate his retirement community in South Carolina three of the last three years because of hurricanes.
by UpperNwGuy
Wed May 01, 2019 8:27 pm
Forum: Personal Investments
Topic: Total Stock Market Index Fund With Value Focus?
Replies: 6
Views: 609

Re: Total Stock Market Index Fund With Value Focus?

Vanguard Value Index Fund Admiral Shares VVIAX might be what you are looking for.
by UpperNwGuy
Wed May 01, 2019 4:56 pm
Forum: Personal Investments
Topic: Same Yield for VG Intermediate Term Tax Exempt vs. Municipal MM
Replies: 6
Views: 761

Re: Same Yield for VG Intermediate Term Tax Exempt vs. Municipal MM

Dale_G wrote:
Wed May 01, 2019 4:33 pm
I do not expect the SEC or distribution yields to continue. They have done so in the past, but this time may be different.
I don't understand what you are saying here. Can you elaborate?
by UpperNwGuy
Wed May 01, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Unable to create account on ssa.gov
Replies: 15
Views: 1107

Re: Unable to create account on ssa.gov

I tried to set up a Social Security account online, and it wouldn't let me. I called their customer service representative who told me that the culprit was the identity protection program that I had signed up for after the OPM data breach. He said that the only way to get it fixed would be to go in ...
by UpperNwGuy
Wed May 01, 2019 2:40 am
Forum: Personal Investments
Topic: Beginner investor seeks advice in record high stock market [2019]
Replies: 37
Views: 3221

Re: Beginner investor seeks advice in record high stock market [2019]

Don’t worry about the market being at an all time high. It usually is, and that’s what we want it to do.
by UpperNwGuy
Tue Apr 30, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9122

Re: WSJ--How Schwab Ate Wall Street

Cash is not really an investment.
by UpperNwGuy
Tue Apr 30, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Cash Back CC Question
Replies: 13
Views: 1661

Re: Fidelity 2% Cash Back CC Question

If I use the Fidelity credit card to withdraw funds from an ATM, do I earn cash back on this transaction? Coupled with the Fidelity CMA account, there will be no fees for this transaction, right? The terms and conditions of this and all other credit cards explicitly exclude cash advances from earni...
by UpperNwGuy
Tue Apr 30, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Cash Back CC Question
Replies: 13
Views: 1661

Re: Fidelity 2% Cash Back CC Question

Another Fidelity question: I'd like to set up my automatic mortgage payments using the cashback credit card, but my mortgage company's website only allows me to input routing/account number (like from a checkbook), rather than a credit/debit card. Is there a way to input a credit card number into t...
by UpperNwGuy
Tue Apr 30, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1633

Re: Medicare B only vs FEHB only

What are the things that Medicare B covers and not traditional insurance, inquiring mind wants to know. You are asking the wrong question. Medicare Part B covers 80 percent of most healthcare costs. FEHB covers 80 percent of most healthcare costs. If you only have one of the two, you have to cover ...
by UpperNwGuy
Tue Apr 30, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27296

Re: 20 countries where 200K in retirement savings will last you decades

I am very familiar with Spain. It is very developed with great hospitals, roads and infrastructures, often better than the U.S. All cities are walkable and there is always all services close. Crime is very low. Spain is not really cheap. People go to many places for food and drink, and those little...
by UpperNwGuy
Tue Apr 30, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Climate Change Investing Research
Replies: 23
Views: 1296

Re: Larry Swedroe: Climate Change Investing Research

Random Walker wrote:
Tue Apr 30, 2019 9:33 am
https://www.etf.com/sections/index-inve ... nopaging=1

I’m not very much interested in climate change
You really really really need to be interested in climate change if you plan to be alive in 50 years or if you have children.
by UpperNwGuy
Tue Apr 30, 2019 4:49 pm
Forum: Personal Investments
Topic: I'm 37, late to the game, worth about 35k...
Replies: 42
Views: 7127

Re: I'm 37, late to the game, worth about 35k...

You are not late to the game. Do your calculations and figure out how to make it work over the course of the next thirty years.
by UpperNwGuy
Tue Apr 30, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9122

Re: Brokerage income source may surprise you

I came across an article indicating the Schwab was able to increase their net Interest revenue to 53-57% of their total revenue. The money being held in cash in the brokerages are reinvested by Schwab and they gain an additional 2.4% in interest. Is this another reason to stick with a company like ...
by UpperNwGuy
Tue Apr 30, 2019 4:41 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7025

Re: "The market is overvalued"

People on this forum spend far too much time thinking about market value. Who cares? Either buy your stocks, or sit on the sidelines and weep.
by UpperNwGuy
Tue Apr 30, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7443

Re: Vanguard Lowers 21 ETF Expense Ratios

“Seriously” though, the direction Vanguard is heading, to become a ETF vendor with rock bottom prices, is very different than the company many of us started out with who looked to Vanguard as our financial home for recurring admiral mutual fund purchases, checking with Advantage, and access to Flag...
by UpperNwGuy
Tue Apr 30, 2019 8:48 am
Forum: Personal Investments
Topic: Which Bond fund should I choose?
Replies: 24
Views: 1340

Re: Which Bond fund should I choose?

Here's a good example of how Vanguard is shooting themselves in the foot by not lowering their minimum investment levels to compete with Schwab and Fidelity (and apparently with T Rowe Price) for the business of those beginning their investing careers. In OP's situation, I would go with the T Rowe P...