Search found 1236 matches

by UpperNwGuy
Thu Dec 13, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 7
Views: 753

Re: New PenFed 2% Savings Account

Definitely a better interest rate than Vanguard's Municipal Money Market Fund (tax equivalent yield), but not as good as Vanguard's Prime Money Market Fund. Not sure how it compares to other high interest savings accounts. This one interests me because I am already a member of PenFed.
by UpperNwGuy
Thu Dec 13, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 7
Views: 753

New PenFed 2% Savings Account

PenFed just sent me an email announcing their new Premium Online Savings Account with 2% interest compounded monthly. Looks like they want to compete in the high interest savings account arena.
by UpperNwGuy
Thu Dec 13, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1134

Re: Bathroom scale

OP, you are overthinking an inexpensive purchase. Just buy a scale. When it breaks, replace it.
by UpperNwGuy
Wed Dec 12, 2018 10:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: December 9 DC Bogleheads Meeting with Stephen Goss, Chief Actuary of Soc Security
Replies: 28
Views: 3296

Re: December 9 DC Bogleheads Meeting with Stephen Goss, Chief Actuary of Soc Security

I attended. It was my very first DC Bogleheads meeting. The presentation was very informative and cleared up many common misunderstandings. Thanks for organizing the meeting.
by UpperNwGuy
Wed Dec 12, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 27
Views: 1552

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Why don't people like Vanguard's agent authorization form?
by UpperNwGuy
Tue Dec 11, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?
Replies: 23
Views: 2507

Re: Let's talk Bonds: BND, VCIT, BIV, LQD, SLQD?

CaliJim wrote:
Tue Dec 11, 2018 5:34 pm
BND is really all you need. don't fish for higher returns on the bond side. accept the return from bnd for what it is... and avoid speculating in bonds as it will just lead to bad behaviour... not staying the course.
+1
by UpperNwGuy
Tue Dec 11, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Could a brokerage 'cheat' its own mutual fund investors during TLH?
Replies: 7
Views: 559

Re: Could a brokerage 'cheat' its own mutual fund investors during TLH?

What you are describing would be fraudulent behavior and would be illegal.
by UpperNwGuy
Tue Dec 11, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: US Treasuries vs Munis in taxable
Replies: 23
Views: 4038

Re: US Treasuries vs Munis in taxable

I am considering having a mix of US Treasuries and muni's rather than all muni's and keeping my muni's mostly in LTD Term Tax exempt. I don't have any special insight on the muni risks but not comfortable with having all my taxable fixed income "eggs" in that basket. My taxable fixed income holding...
by UpperNwGuy
Sun Dec 09, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 2581

Re: YNAB: Age of Money

oldcomputerguy wrote:
Sun Dec 09, 2018 7:59 am
Perhaps I'm just missing something, but I don't understand why it's important. As long as I'm living below my means and spending less this month than I bring in, what further is needed?
I agree. Age of Money sounds like a weird concept with little practical utility.
by UpperNwGuy
Sun Dec 09, 2018 3:46 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 39
Views: 3271

Re: Has anyone adjusted their stock allocation on the dip?

Golfview wrote:
Sat Dec 08, 2018 11:06 pm
Just wondering with the recent dip in stock prices if many investors her readjusted their stock allocation and sold some bonds or invested cash to do so. Thanks in advance for the response.
Nope. I was 60/40 before the tip, and I’m 60/40 now.
by UpperNwGuy
Sat Dec 08, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker Retirement
Replies: 13
Views: 1875

Re: Bob Brinker Retirement

Do people actually base their investment decisions on what Bob Brinker recommends?
by UpperNwGuy
Sat Dec 08, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: What should a new investor being reading?
Replies: 29
Views: 2013

Re: What should a new investor being reading?

I would recommend a new investor read the posts by nisiprius, grabiner, livesoft, Kevin M, vineviz, and other knowledgeable folk who post on Bogleheads. Their posts are both informative and instructional. The more you read Bogleheads, the better you will be able to identify the folk whose posts are ...
by UpperNwGuy
Sat Dec 08, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4672

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

US companies do business abroad. So what? I want to invest in these companies: Royal Dutch Shell plc Nestle SA Samsung Electronics Co. Ltd. Tencent Holdings Ltd. Novartis AG Taiwan Semiconductor Manufacturing Co. Ltd. Roche Holding AG HSBC Holdings plc Alibaba Group Holding Ltd. Toyota Motor Corp. A...
by UpperNwGuy
Sat Dec 08, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8448

Re: Solid my entire portfolio 12/3/18

In preparation for moving to a simpler "lazy portfolio" style of investing I sold everything in my retirement portfolio on 12/3/18. So I am now 100% cash. Got a little lucky on the timing, but now I need to figure out when to get back in. With the huge drop in the DOW looks like it would be a good ...
by UpperNwGuy
Sat Dec 08, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: What am I not getting about the value of TIPS funds?
Replies: 23
Views: 2195

Re: What am I not getting about the value of TIPS funds?

I am retired, and I do not hold TIPS. I don't see the need to do so. Although we can't predict the future, I think that we have learned a lot about how to manage inflation rates in the last few decades, and it is not unreasonable to assume that we won't see a repeat of the inflation rates of the 197...
by UpperNwGuy
Sat Dec 08, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 5673

Re: Vanguard Wellesly Income

I don't understand why you're having a meeting about this. This is not a plan that any managed account rep would approve of - Vanguard reps would definitely not approve of it. So if you're doing this you're saying goodbye to your rep and that's okay if you mean to do that, but I think it's just nee...
by UpperNwGuy
Sat Dec 08, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4672

Re: You already own international stocks with VTSMX etc

Saying that I own international stock because US companies do business overseas makes no sense. Owning a Total Stock mutual fund does not give me ownership of Nestle, Toyota, Royal Dutch Shell, or any of the other major corporations that are traded in non-US stock markets. I need to buy a Total Inte...
by UpperNwGuy
Sat Dec 08, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11970

Re: Why Retirement Is Broken And Needs To Be Reinvented

I'm not convinced the retirement system is broken and needs to be reinvented. I agree. The retirement system is not broken. It does not need to be reinvented. I don't see a problem except these unfunded public pensions, which should gradually be replaced by 401k type plans. I guess this is happenin...
by UpperNwGuy
Fri Dec 07, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11970

Re: Why Retirement Is Broken And Needs To Be Reinvented

I'm not convinced the retirement system is broken and needs to be reinvented. I agree. The retirement system is not broken. It does not need to be reinvented. I don't see a problem except these unfunded public pensions, which should gradually be replaced by 401k type plans. I guess this is happenin...
by UpperNwGuy
Fri Dec 07, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1647

Re: VMMXX over.... CD, Bonds, HYS?

I use VMMXX for my short term savings (auto fund, vacation fund, etc), but for longer term investments I use VBTLX and VWITX. A money market fund is better than certificates of deposit for short term savings, but it is not meant to be used in place of bond mutual funds for longer term investments.
by UpperNwGuy
Fri Dec 07, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 80
Views: 7563

Re: Flaw in Logic? CD ladder instead of bond funds

Most Bogleheads are just going to stick with their intermediate-term bond funds, and ignore all of this discussion. Yes! That would be me. I use Vanguard money market funds for short term savings and intermediate-term bond funds for investments. No certificates of deposit, no Treasury-only funds, n...
by UpperNwGuy
Thu Dec 06, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11970

Re: Why Retirement Is Broken And Needs To Be Reinvented

The real problems with pensions in their current form, and the reason they should really be abolished, is that are massively overpromised and are guaranteed. There's no serious plan to fulfill the overgenerous promises, so it falls on other employees and the general tax base to supply the overpromi...
by UpperNwGuy
Wed Dec 05, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19278

Re: Schwab Vs Fidelity Vs Vanguard

michaeljmroger wrote:
Wed Dec 05, 2018 4:14 pm
I use both Vanguard and Schwab (mostly because I don’t want to put all my eggs in one basket) and I’m equally satisfied with them.
Me too.
by UpperNwGuy
Wed Dec 05, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3561

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

My advice: move your investments out of Edward Jones immediately. Let 2019 be a fresh start at Vanguard, Fidelity, or Schwab.
by UpperNwGuy
Wed Dec 05, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: The risks of equities when saving for retirement
Replies: 38
Views: 3361

Re: The risks of equities when saving for retirement

CULater, you seem determined to find anyone on the Internet who will agree with your premise that no one should invest in stocks. ^^^ THIS. CULater, why are you so determined to convince the rest of us that equities are evil? I really think you should examine your own thought processes and ask your...
by UpperNwGuy
Wed Dec 05, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Which REIT for Portfolio, should I even get one?
Replies: 25
Views: 1944

Re: Which REIT for Portfolio, should I even get one?

leo28 wrote:
Wed Dec 05, 2018 4:57 pm
So the general suggestion Im getting here is to add the extra money to my AA and forget about it :happy Nice and boring.
I think you should change your AA to allocate a higher percentage to international. That won't be so boring.
by UpperNwGuy
Wed Dec 05, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: The overwhelming majority lose in a zero-sum trading game.
Replies: 52
Views: 5194

Re: The overwhelming majority lose in a zero-sum trading game.

Are people here still tempted by active funds? I thought that most Bogleheads would prefer index funds to active funds without having to be convinced.
by UpperNwGuy
Wed Dec 05, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6917

Re: Anybody Miss the Crypto Rage on BH Forums

I never bothered to read any of the crypto threads. I'm here for the stocks and bonds, not the alternative investments.
by UpperNwGuy
Mon Dec 03, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Can a three fund portfolio beat a fool?
Replies: 47
Views: 2878

Re: Can a three fund portfolio beat a fool?

Never discuss finances with in-laws. Stay the course.
by UpperNwGuy
Mon Dec 03, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Which Indexes to Track
Replies: 8
Views: 535

Re: Advice on Which Indexes to Track

I was thinking more exposure to mid/small cap since S&P 500 is just 500 large cap companies. The logic is possibly that in the long run (30+ years) that mid/small cap could produce better returns. What do you think? Duckie12345 No one can predict which asset-class will "produce better returns." Lar...
by UpperNwGuy
Mon Dec 03, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Muni-bond ladder or Muni-bond mutual fund
Replies: 13
Views: 879

Re: Muni-bond ladder or Muni-bond mutual fund

Why would anyone want to endure the effort and added costs of managing a ladder of individual mutual bonds when they could own a mutual fund that does essentially the same thing? I own the mutual fund. Nuff said.
by UpperNwGuy
Mon Dec 03, 2018 6:31 am
Forum: Investing - Theory, News & General
Topic: Rules of thumb for allocation/exposure
Replies: 29
Views: 2189

Re: Rules of thumb for allocation/exposure

I think I want to move the $100k cash from Capital One MM at 2% yield currently to something like VMMXX. This doesn't increase my bond allocation but with short-term bonds being negative currently, I'm having a hard time figuring why I should move positive yield to negative yield, at this moment. ?...
by UpperNwGuy
Mon Dec 03, 2018 6:19 am
Forum: Investing - Theory, News & General
Topic: Treasuries vs Treasury Funds
Replies: 14
Views: 2134

Re: Treasuries vs Treasury Funds

The yearly return for an Individual 2 year treasury is 1.75% The yearly return for VSBSX is 0.7% The yield on a 2 year treasury is now about 2.84 so the treasuries in VSBSX are returning about 2.84%. However, the NAV of VSBSX was marked lower to do so. That's why the yearly return is only showing 0...
by UpperNwGuy
Mon Dec 03, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3960

Re: Please Recommend a New Car for Me

I'm in my mid-60s, and I am driving a 2002 Volkswagen Golf with manual transmission. It has been an excellent car for the last 17 years, but both the car and its driver are now showing signs of age despite only having been driven 4000 miles a year each of the last five years. The car's suspension ha...
by UpperNwGuy
Sun Dec 02, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Proper way to retire
Replies: 57
Views: 6360

Re: Proper way to retire

OP, why do you want to retire the way you describe? Most people don't retire that way, so you're clearly sending your employer and your colleagues some kind of message. What is the message you are trying to send? You haven't told us enough for us to understand your motivations.
by UpperNwGuy
Sun Dec 02, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10855

Re: Retirement itch- when did you get it?

I got the itch in 2010 when things started to go haywire at the office. In 2012 I knew I couldn't last another full year, so I told my boss I would be gone by summer of 2013, and I walked out the door after a 40 year career.
by UpperNwGuy
Sun Dec 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 156
Views: 17015

Re: Best values at Costco? Honestly, a little disappointed...

Does Costco still sell those large bags of frozen appetizer-size meatballs? They were my favorite product fifteen years ago. These, perhaps? https://www.costco.com/Kirkland-Signature-Meatballs,-Italian-Style-Beef,-Cooked-6-lbs.product.100410832.html DW and I are hitting Costco tomorrow to buy stuff...
by UpperNwGuy
Sun Dec 02, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 156
Views: 17015

Re: Best values at Costco? Honestly, a little disappointed...

Does Costco still sell those large bags of frozen appetizer-size meatballs? They were my favorite product fifteen years ago.
by UpperNwGuy
Sun Dec 02, 2018 4:13 am
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 3794

Re: 2 Fund Ports: Everything You NEED?

Thanks, pascalwager. I understand now. I am not withdrawing, so the term risk is not a big concern to me.
by UpperNwGuy
Sat Dec 01, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: Confused about the Vanguard cap gains distribution estimates
Replies: 14
Views: 1361

Re: Confused about the Vanguard cap gains distribution estimates

Did he provide any statistics on the losses to the managed funds and the gains to the index funds?
by UpperNwGuy
Sat Dec 01, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3023

Re: Has anyone on this board painted over wallpaper?

I recommend you go ahead and pay the $1800 to have the wallpaper removed.
by UpperNwGuy
Sat Dec 01, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: YTD performance of total stock ETF's
Replies: 8
Views: 958

Re: YTD performance of total stock ETF's

So is this a Morningstar problem rather than a real problem?
by UpperNwGuy
Sat Dec 01, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3852

Re: What is the lowest 'safe' emergency fund we should have?

The amount of an emergency fund varies with the individual's situation. I am retired. I have a pension. I have lots of insurance (life, health, dental, auto, renters, umbrella). I don't see myself needing an emergency fund. I do have an auto fund that covers maintenance, repairs, and auto replacemen...
by UpperNwGuy
Sat Dec 01, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Municipal bonds -- 7% or 11.66%? What do you think?
Replies: 8
Views: 1223

Re: Municipal bonds -- 7% or 11.66%? What do you think?

Why are you reading a 2002 book on investing? A lot has changed in the last 17 years.
by UpperNwGuy
Sat Dec 01, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3418

Re: Ally CC Offer

Don't get the Ally credit card. The rewards are not competitive. Get a 2% card from Citi, Fidelity, PenFed, or Alliant.
by UpperNwGuy
Sat Dec 01, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Mattress Reco
Replies: 21
Views: 1701

Re: Mattress Reco

check out www.saatva.com You don't hear much about them, but they make high end traditional coil in coil beds,Loom and Leaf foam, and latex beds. I am looking at their coil bed. I have decided that a box spring is not really necessary, so have bought a solid oak frame set from a company back East, ...
by UpperNwGuy
Sat Dec 01, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2070

Re: Do I need to pay for a clean title to sell my car privately?

Sorry that my original post isn't so complete. But thanks for all the replies! The title they (toyota financial) mailed me has my name up top as "the owner" On the bottom right under "lien released by" it's got a stamp and original signature by some person there at toyota financial. And then there'...
by UpperNwGuy
Sat Dec 01, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Current Market Volatility
Replies: 29
Views: 2084

Re: Current Market Volatility

I am not changing my investment strategy because my strategy assumed these kinds of market movements might take place.