Search found 3470 matches

by UpperNwGuy
Mon May 25, 2020 8:16 pm
Forum: Personal Investments
Topic: Which balance fund in taxable acct for 10% tax bracket?
Replies: 10
Views: 758

Re: Which balance fund in taxable acct for 10% tax bracket?

They’re both good funds, and Jack Bogle owned both in his personal accounts. I would go with the Balanced Index Fund because it is based on indices, not active management like Wellington.
by UpperNwGuy
Mon May 25, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 119
Views: 8440

Re: If Jeep has such poor reliability, how come they are everywhere?

Went for a long walk this morning and was astonished at how many Wranglers and Grand Cherokees I saw, and this was in an urban area.
by UpperNwGuy
Mon May 25, 2020 2:12 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 47
Views: 3314

Re: Anyone screwed up timing the market?

I was not tempted to sell. I’m frankly surprised so many people did.
by UpperNwGuy
Mon May 25, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3083

Re: New Vehicle: Forester or Rav4 for boglehead couple

I’m planning to replace my car later this year, and I’ve narrowed it down to RAV4 and Forester, but I want a new one.
by UpperNwGuy
Mon May 25, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 119
Views: 8440

Re: If Jeep has such poor reliability, how come they are everywhere?

So there's a Jeep cult like there is a Subaru cult? Is there something wrong with Subarus? My impression is that they rank pretty high in the automotive pecking order, perhaps right behind Toyota and Honda. Bland, slow, loud, and notorious engine oil issues. Cheapest way into an AWD car though. I t...
by UpperNwGuy
Mon May 25, 2020 7:18 am
Forum: Personal Investments
Topic: How do you retire early if your money is tied up in tax deferred?
Replies: 26
Views: 3510

Re: How do you retire early if your money is tied up in tax deferred?

If a person wants to retire at age 53, they need to start setting up their investments in their late 40s to facilitate that goal. Sounds like you didn't do that. My advice is not to retire for a few more years.
by UpperNwGuy
Mon May 25, 2020 7:14 am
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4738

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I agree with the others who have commented. Investing any more into Wells Fargo is a bad idea.
by UpperNwGuy
Sun May 24, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 119
Views: 8440

Re: If Jeep has such poor reliability, how come they are everywhere?

CULater wrote:
Sun May 24, 2020 1:18 pm
So there's a Jeep cult like there is a Subaru cult?
Is there something wrong with Subarus? My impression is that they rank pretty high in the automotive pecking order, perhaps right behind Toyota and Honda.
by UpperNwGuy
Sun May 24, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2711

Re: Businesses that are permanently destroyed due to COVID?

I think the NCAA, the NFL, the NBA, the NHL, and MLB will all fold.
by UpperNwGuy
Sat May 23, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 69
Views: 4952

Re: NJ property taxes too high. What are my alternative states?

This is another one of those boglehead threads where the OP posts a question and then disappears. Meanwhile the bogleheads discuss the problem among themselves, and often the discussion drifts further and further away from the OP's original question. OP, if you're still reading this thread, please c...
by UpperNwGuy
Sat May 23, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 20
Views: 1669

Re: What phone to buy after iPhone 7 Plus

Why are you so bothered by the notch?
by UpperNwGuy
Sat May 23, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3716

Re: Warning: Virginia State Inspection

Thankfully, we're not burdened with that kind of government in our neck of the woods. We Virginians never have been either, until the last election. It all changed in one day. Be vigilant. That's baloney. I spent the first 50 years of my life in the Commonwealth of Virginia, and the auto inspection...
by UpperNwGuy
Sat May 23, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 38
Views: 2530

Re: Amazon Prime delayed shipping

Duplicate.
by UpperNwGuy
Sat May 23, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 38
Views: 2530

Re: Amazon Prime delayed shipping

We have been Prime members since 2013. I was fine getting my items delayed in March and April but when I realized all my orders are being delayed by 7 days, it irritated me. For instance, my daughter is also a prime member on a student membership and does not order a lot of items from Amazon. She o...
by UpperNwGuy
Sat May 23, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 69
Views: 4952

Re: NJ property taxes too high. What are my alternative states?

From OP's description of what they want (to be near family but not to pay high property taxes), Delaware seems to be the answer.
by UpperNwGuy
Fri May 22, 2020 6:31 am
Forum: Investing - Theory, News & General
Topic: Updating Outside Investments on Web Site [Vanguard]
Replies: 25
Views: 1438

Re: Updating Outside Investments on Web Site

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. Ditto for me. I use it mostly to double-check my eponymous spreadsheet th...
by UpperNwGuy
Thu May 21, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: In taxable, why are bond funds "discouraged" but not money market funds?
Replies: 15
Views: 1442

Re: In taxable, why are bond funds "discouraged" but not money market funds?

Bond funds are fine in taxable. So are money market funds.

I hold a mix of municipal, treasury, and corporate bond funds in taxable. I also held some money market funds until early March when I moved those funds to a mix of high yield savings and certificates of deposit.
by UpperNwGuy
Thu May 21, 2020 8:43 am
Forum: Investing - Theory, News & General
Topic: Savings-to-Expense Ratio Question
Replies: 7
Views: 686

Re: Savings-to-Expense Ratio Question

jebmke wrote:
Wed May 20, 2020 9:11 am
I consider taxes an expense. Therefore, I don't tax-effect my asset values.
I agree.
by UpperNwGuy
Thu May 21, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3410

Re: Do you dislike recurring billing for gyms?

I dislike all forms of autopay.
by UpperNwGuy
Thu May 21, 2020 7:44 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11402

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

My advice: 1. Put most of your money into a Total Stock index fund immediately, and the balance into a Total Bond index fund. 2. Stop reading financial websites and listening to financial podcasts. 3. Delete all stock market apps from your smart phone so you can't follow the daily zig and zag of the...
by UpperNwGuy
Wed May 20, 2020 8:46 am
Forum: Personal Investments
Topic: Why no HSA at Vanguard?
Replies: 19
Views: 1378

Re: Why no HSA at Vanguard?

I'm glad that Vanguard is sticking to its primary business lines and not dabbling in such sideshows as HSAs.
by UpperNwGuy
Tue May 19, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6368

Re: Discarding Music CDs

My large CD collection is mostly classical music that I purchased in the 1990s and early 2000s. The thought of trying to put them on digital files in a computer seems overwhelming. I worry about the sound quality and about the ability to keep the tracks together for multi-movement musical works. So ...
by UpperNwGuy
Tue May 19, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 13919

Re: Some possible luxury SUV choices to buy: Opinions?

Couple more to consider that will be coming out late this year or early 2021. Both the Kia Sorento and Jeep Grand Cherokee are coming out as completely new models and they both look great. I'll be waiting to look at these (Oh, I'm waiting anyway...) I hear Honda is releasing a new generation of CRV...
by UpperNwGuy
Mon May 18, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4035

Re: Vault Safe in the attic; welded, anyone ?

Important documents are not usually taken by burglars. I'd just put them in a fireproof box, not a safe. Why do you need gold at your house? I'd sell the gold and buy stocks or bonds with the money.
by UpperNwGuy
Mon May 18, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4035

Re: Vault Safe in the attic; welded, anyone ?

Why go to all this trouble? Are you keeping large amounts of cash in your house?
by UpperNwGuy
Mon May 18, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3575

Re: Total market or S&P 500?

bertilak wrote:
Wed May 06, 2020 7:11 pm
I am currently in S&P500, having switched from TSM in a recent TLH exercise. I will switch back if TLH looks like good plan in the future.
My situation exactly.
by UpperNwGuy
Mon May 18, 2020 9:13 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1200

Re: Moving from Treasuries to CDs

What is the goal of your fixed income holdings? Are you seeking yield, or are you primarily interested in reducing volatility in your overall portfolio?
by UpperNwGuy
Mon May 18, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3863

Re: Wall Street says stocks are very overvalued

Stocks have been overvalued for years. Nothing new here. Old news gets recycled to fill up the media.
by UpperNwGuy
Mon May 18, 2020 7:54 am
Forum: Personal Investments
Topic: time to buy small cap value?
Replies: 10
Views: 606

Re: time to buy small cap value?

deltaneutral83 wrote:
Mon May 18, 2020 7:44 am
Jack FFR1846 wrote:
Mon May 18, 2020 7:07 am
5% is meaningless. Go ahead. Or don't. The results will be indistinguishable.
What about if you made the move in August 2018 and only now it's down to 5%?
Tax loss harvest?
by UpperNwGuy
Sun May 17, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B?
Replies: 37
Views: 2209

Re: Feds: FEHB + Medicare Part B?

Of course you pay for medical care in addition to prescription co-pays — you pay FEHB and Medicare premiums. Well let me try to be more precise. :D I do pay for 2 kinds of insurance, one of which is partially reimbursed. And I do pay prescription co-pays. I do not pay any medical bills. I don't pay...
by UpperNwGuy
Sun May 17, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8567

Re: Vanguard Mutual Fund Platform EOL

For accounts, the only options are buy and sell . So the only way I could think of to ensure that I was selling and buying at the same price would be to keep cash in the Roth. Then sell VTSAX in the tIRA while simultaneously buying it in the Roth. Then after settlement in the tIRA do a Roth convers...
by UpperNwGuy
Fri May 15, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8567

Re: Vanguard Mutual Fund Platform EOL

Why is it so important to some long-time Vanguard customers to be able to automatically redirect the dividends of one fund into a different fund? Seems like a minor feature to me in the grand scheme of things.
by UpperNwGuy
Thu May 14, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

Chicken chili.
by UpperNwGuy
Thu May 14, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1563

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

In 2016, 2017, 2018, and 2019 I used the $300 dollar travel credit within the first three months. Now I'm in the 5th month of 2020, and I've used nothing. Not only that, I don't see myself spending even a nickel on travel for the rest of the year. I fear I am going to lose the $300. And, no, I am n...
by UpperNwGuy
Thu May 14, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1563

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

In 2016, 2017, 2018, and 2019 I used the $300 dollar travel credit within the first three months. Now I'm in the 5th month of 2020, and I've used nothing. Not only that, I don't see myself spending even a nickel on travel for the rest of the year. I fear I am going to lose the $300. And, no, I am no...
by UpperNwGuy
Thu May 14, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2910

Re: Secretly Retired - Family doesn't know

I would just say that you are doing freelance consulting.
by UpperNwGuy
Thu May 14, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3414

Re: Email from Vanguard

Are you going to talk to him?
by UpperNwGuy
Thu May 14, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Fixed Income lessons learned from Coronavirus?
Replies: 48
Views: 4252

Re: Fixed Income lessons learned from Coronavirus?

Hello all. I am curious how Bogleheads are viewing or adjusting their investment portfolios during this uncertain time. Some are staying the course. Others are reworking their investment strategies. Are there any “lessons” you have learned or adjustments you have made? Some questions come to mind f...
by UpperNwGuy
Thu May 14, 2020 1:19 pm
Forum: Personal Investments
Topic: Annoying hold on funds at Fidelity taxable
Replies: 13
Views: 950

Re: Annoying hold on funds at Fidelity taxable

New accounts always have longer holding periods than established accounts. Are you still in the first 30 days of your new account?
by UpperNwGuy
Thu May 14, 2020 1:16 pm
Forum: Forum Issues and Administration
Topic: sort by thread not post?
Replies: 6
Views: 366

Re: sort by thread not post?

I just skip over the threads that have more than one page of posts, because I know that they tend to be older threads, and most of the posts after the first page are repeating many of the same points as the earlier posts.
by UpperNwGuy
Thu May 14, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 2871

Re: Subaru 0% financing

I bought one about six months ago, a Forester, based on the common reports about reliability and safety features. Consumer Reports rates them very high for features, reliability and resale. The experience is that the reliability seems accurate. Engine is noisy at low speeds, and the interior is ine...
by UpperNwGuy
Thu May 14, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 27
Views: 2331

Re: Anyone booking flights for 2021 travel?

I am not booking flights for 2020 or 2021 as long as the coronavirus is still widespread. The key elements of travel (aircraft, taxis, hotels, restaurants, etc) are the opposite of social distancing, and I consider the medical risks to be too high.
by UpperNwGuy
Thu May 14, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Expected Future Return of Vanguard’s Target Retirement Funds
Replies: 21
Views: 1472

Re: Expected Future Return of Vanguard’s Target Retirement Funds

Doesn't Vanguard have predicted future returns for these funds?
by UpperNwGuy
Thu May 14, 2020 8:25 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3075

Re: New bogleheads induction

The forum could be called "Non-Boglehead Investing Strategies." The hard part for the moderators would be to determine which threads to move there because some of the veterans of this forum use a lot of non-boglehead strategies.
by UpperNwGuy
Wed May 13, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiaries at Vanguard
Replies: 15
Views: 974

Re: Naming Beneficiaries at Vanguard

Where in Vanguard's website is the page where you input your beneficiaries? I spent quite a while looking for it a few weeks back and came up empty handed. Fidelity, on the other hand, makes the naming of beneficiaries part of the new account checklist and keeps reminding you that you haven't done i...
by UpperNwGuy
Wed May 13, 2020 10:19 am
Forum: Personal Investments
Topic: Municipal Bonds question
Replies: 14
Views: 910

Re: Municipal Bonds question

. As for investment options, we can only purchase investments that are backed by the gov. or from institutions that are fdic or ncua insured. Not sure what you mean by “backed by the government”, Municipal bonds are issued by local governments, but their value is not “backed” by any other governmen...