Search found 2382 matches

by UpperNwGuy
Mon Oct 14, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 53
Views: 4950

Re: Best CD rates thread

As the title of this thread is "Best CD rates", I'd like to re-define "best" as "optimal combination" -- and pose a question as follows: What are 3 to 5 banks and credit unions that consistently offer high CD rates and allow to move money among them relatively easily? I am quite pleased with: 1) Na...
by UpperNwGuy
Mon Oct 14, 2019 4:04 pm
Forum: Personal Investments
Topic: Finally moving from high yield savings to Vanguard
Replies: 22
Views: 1440

Re: Finally moving from high yield savings to Vanguard

I like portfolio #2 better than portfolio #1 for the following reasons:
— No TIPS
— Less REIT
— Total Bond rather than Long Term Treasuries
— All World ex-US rather than Developed Markets
— More equities
by UpperNwGuy
Sun Oct 13, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 43
Views: 3791

Re: Should I invest in a ski in / ski out condo?

You should not invest in a ski in/ski out condo.
by UpperNwGuy
Sun Oct 13, 2019 5:51 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6209

Re: What’s the point of a taxable account?

What's the point of a taxable account? For me the answer is easy. I only have two choices at my stage of life. I either invest in a taxable account, or I don't invest at all. I choose to invest in a taxable account.
by UpperNwGuy
Sun Oct 13, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone switch from a big phone to a small one?
Replies: 8
Views: 740

Re: Anyone switch from a big phone to a small one?

I am getting old and can no longer read the smaller screens.
by UpperNwGuy
Sun Oct 13, 2019 8:11 am
Forum: Personal Investments
Topic: Money Market Decision
Replies: 29
Views: 2400

Re: Money Market Decision

My only concern about transferring monies to VMFXX is the lack of FDIC Insurance. I know many folks on this site keep a large amount of funds in Vanguard Money Market funds, do you have any concerns? Am I worrying senselessly? Most of my savings are in Vanguard money market funds. I have no worries...
by UpperNwGuy
Sun Oct 13, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 84
Views: 6568

Re: Vanguard: the case for global equity investing

@columbia
Thanks for two very informative comments.
by UpperNwGuy
Sat Oct 12, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: Prominent financial adviser fined $1M
Replies: 24
Views: 4006

Re: Prominent financial adviser fined $1M

He was unscrupulous.
by UpperNwGuy
Sat Oct 12, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 40
Views: 3780

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

In my view, the Shenandoah National Park, the Blue Ridge Parkway, and Great Smoky Mountains National Park are too similar to combine into a single trip.
by UpperNwGuy
Sat Oct 12, 2019 2:48 pm
Forum: Personal Investments
Topic: Total Bond or Intermediate-Term Tax-Exempt in taxable?
Replies: 16
Views: 1584

Re: Total Bond or Intermediate-Term Tax-Exempt in taxable?

palanzo wrote:
Sat Oct 12, 2019 10:41 am
You mean you split it 50/50 in taxable? I agree that's a good way to balance the shifts in TEY over time.
Yes, exactly. Both in taxable. My entire portfolio is in taxable.
by UpperNwGuy
Sat Oct 12, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Honda, Kia, and Toyota equivelant of Grand Subaru for online quotes
Replies: 6
Views: 777

Re: Honda, Kia, and Toyota equivelant of Grand Subaru for online quotes

Go to the online forums of enthusiasts of those vehicles, and they will almost always have a section called "What did you pay for your 2020 ____________?" Create a thread there and ask which dealers are volume dealers, as well as, get a feel for what people are currently paying. There is nothing wr...
by UpperNwGuy
Sat Oct 12, 2019 8:41 am
Forum: Personal Investments
Topic: Total Bond or Intermediate-Term Tax-Exempt in taxable?
Replies: 16
Views: 1584

Re: Total Bond or Intermediate-Term Tax-Exempt in taxable?

Along with after tax yield, I'd also run TurboTax to see if any income tiers for items such as IRMAA, ACA, NIIT, SS taxation etc are breached. Same with state income tax. Run TT with muni's and without to see what the incremental effect will be on your taxes. Avoid it's-too late-now kinds of surpri...
by UpperNwGuy
Sat Oct 12, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: Time to Barbell one's [TIPS]?
Replies: 15
Views: 1228

Re: Time to Barbell one's tips?

Sounds to me like market timing.
by UpperNwGuy
Sat Oct 12, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 84
Views: 6568

Re: Vanguard: the case for global equity investing

Diversification might be best for those with a long investment horizon. Performance is probably better for those with a short investment horizon. I'm getting old, so I would probably have chosen VBIAX of those two alternatives. Can you explain what you mean by performance ? Total return over a peri...
by UpperNwGuy
Fri Oct 11, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 84
Views: 6568

Re: Vanguard: the case for global equity investing

Diversification might be best for those with a long investment horizon. Performance is probably better for those with a short investment horizon. I'm getting old, so I would probably have chosen VBIAX of those two alternatives.
by UpperNwGuy
Fri Oct 11, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 87
Views: 6042

Re: Vanguard keeps pushing their financial advisors...why?

Seems to me that Vanguard isn't quite as altruistic as some of the members of this forum think it is.
by UpperNwGuy
Fri Oct 11, 2019 5:08 am
Forum: Personal Investments
Topic: Personal Investment [Does timing the market work?]
Replies: 13
Views: 917

Re: Personal Investment [Does timing the market work?]

You'll have to pay taxes on the capital gains of the stocks you sell.
by UpperNwGuy
Fri Oct 11, 2019 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1691

Re: Credit Card Statements-Save Paper Ones? Electronic?

All my credit card statements and other bills are completely electronic, and I save PDF files on my computer which backs up to the cloud. No more paper statements. No more all day shredding sessions when the paper statements start to overflow the file box.
by UpperNwGuy
Fri Oct 11, 2019 5:00 am
Forum: Personal Investments
Topic: New International Core Fund
Replies: 6
Views: 711

Re: New International Core Fund

jdkoerner wrote:
Thu Oct 10, 2019 8:57 pm
my all world fund isn't exactly a barn burner.
Ain't that the truth!
by UpperNwGuy
Thu Oct 10, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4011

Re: Disadvantages of a bank signup bonus

I don't do it. Too much trouble for such a small amount of money.
by UpperNwGuy
Thu Oct 10, 2019 2:14 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 1719

Re: $0 commissions; so what's the best bond ETF? and why?

I'd been using the funds listed in the 3-fund portfolio wiki, that is, those that traded free at each particular brokerage. Now that approach is unnecessary. "Now that approach is unnecessary." Maybe unnecessary , but still an excellent approach. I see no need for you to change. These total bond ET...
by UpperNwGuy
Thu Oct 10, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Any credit cards with good price matching protection?
Replies: 14
Views: 915

Re: Any credit cards with good price matching protection?

Jumping from credit card to credit card to avoid losing price matching is about as pointless as jumping from one savings account to another to avoid the falling interest rates. Just as all interest rates will fall, all credit cards will lose the price matching benefit. It's just taking time for this...
by UpperNwGuy
Thu Oct 10, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 67
Views: 6629

Re: GE Pension Buyout

I would assume that the pension fund is likely to become insolvent, and that is what motivated the offers.
by UpperNwGuy
Thu Oct 10, 2019 5:35 am
Forum: Investing - Theory, News & General
Topic: Do You Think Vanguard Will Join The No Commission Party?
Replies: 40
Views: 4098

Re: Do You Think Vanguard Will Join The No Commission Party?

GoldenPuppy wrote:
Thu Oct 10, 2019 2:14 am
Do you think Vanguard will join the no commission party?

I’m thinking of waiting a little longer, since it would be nice to keep all my investments at Vanguard.
Vanguard joined the party a year ago.
by UpperNwGuy
Thu Oct 10, 2019 5:34 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14970

Re: How many are switching from Fidelity?

I guess this thread has run its course.
by UpperNwGuy
Thu Oct 10, 2019 5:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 82
Views: 7393

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions.
by UpperNwGuy
Wed Oct 09, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 105
Views: 7781

Re: Do you carry your passport with you during international travel?

Jags4186 wrote:
Wed Oct 09, 2019 2:55 pm
Leave it in hotel safe.
+1
by UpperNwGuy
Wed Oct 09, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3133

Re: Consumer Reports

Wirecutter is better.
by UpperNwGuy
Wed Oct 09, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3299

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

I’m 25% equity. I am 20% of stocks. That works out to 12% of my overall 60/40 portfolio. I find the international to be a drag on my portfolio, so I don't want to increase it. If International has another (not a 1st) decade of strong outperformance compared to the US, will you change your plan? Not...
by UpperNwGuy
Wed Oct 09, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3299

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

MotoTrojan wrote:
Wed Oct 09, 2019 9:35 am
I’m 25% equity.
I am 20% of stocks. That works out to 12% of my overall 60/40 portfolio. I find the international to be a drag on my portfolio, so I don't want to increase it.
by UpperNwGuy
Tue Oct 08, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3213

Re: Returned first iPhone; are they all like this?

I spent an hour today in a doctor’s waiting room, and I entertained myself by reading several chapters of a novel on my iPhone. It worked fine in portrait mode. Not sure why yours did not. My iPhone is a 6, so two years older than the one you have. No I couldn't even get Kindle downloaded. We're yo...
by UpperNwGuy
Tue Oct 08, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1620

Re: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

shess wrote:
Tue Oct 08, 2019 3:17 am
I just could not stand to have both SCHB and VTI, it would break my mind.
I own both. It’s not a problem.
by UpperNwGuy
Tue Oct 08, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3213

Re: Returned first iPhone; are they all like this?

I spent an hour today in a doctor’s waiting room, and I entertained myself by reading several chapters of a novel on my iPhone. It worked fine in portrait mode. Not sure why yours did not. My iPhone is a 6, so two years older than the one you have.
by UpperNwGuy
Tue Oct 08, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advertising in WSJ
Replies: 8
Views: 1080

Re: Vanguard advertising in WSJ

If you own VTSAX, you’re an owner of 3,500 publicly traded US companies. Did a single one of those companies ask you to approve their advertising budget?
by UpperNwGuy
Tue Oct 08, 2019 2:35 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1620

Re: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

I don’t understand the question. Is there something wrong with SCHB?
by UpperNwGuy
Mon Oct 07, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: Bond Trap?
Replies: 4
Views: 868

Re: Bond Trap?

40% of my portfolio is in bond funds, and I don't feel trapped.
by UpperNwGuy
Mon Oct 07, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Impersonal Advisor Service
Replies: 23
Views: 2938

Re: Vanguard's Impersonal Advisor Service

Hi Rick, I think the Robo-Advisors are a good thing but we have to realize the limitations of this approach. Pretty much, if you want to talk to a human it will cost you 0.30% a year, if you don't need a human but still want guidance, it will cost you 0.15% a year. If you do-it-yourself, it will co...
by UpperNwGuy
Fri Oct 04, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can you change the date interest is credited to a bank account?
Replies: 24
Views: 1300

Re: Can you change the date interest is credited to a bank account?

If each account pays interest once a month, then you only need to check once a month. Having said that, I don't understand why you find it so tedious to check more than once a month.
by UpperNwGuy
Fri Oct 04, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Medical Specialists
Replies: 11
Views: 1187

Re: Medical Specialists

Most hospitals now have a feature on their websites where you can "find a doctor." I'm guessing that the hospitals in Fredericksburg have such a feature. If not, check the hospitals in Washington DC and Northern Virginia. They all have that feature on their websites.
by UpperNwGuy
Fri Oct 04, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Outgoing mail (package) in mailbox?
Replies: 15
Views: 1235

Re: Outgoing mail (package) in mailbox?

Why not just go to the post office and have 100% confidence that your package is in the system?
by UpperNwGuy
Fri Oct 04, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 12898

Re: Know when to hold them and when to fold them......

International has been a drag on my portfolio, and no amount of theoretical discussions of "buying the haystack" can change that fact. I (reluctantly) hold 20% international, but I consider it the ugly stepchild of my portfolio. At any given time, something has been a drag on my portfolio, but unti...
by UpperNwGuy
Fri Oct 04, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 12898

Re: Know when to hold them and when to fold them......

International has been a drag on my portfolio, and no amount of theoretical discussions of "buying the haystack" can change that fact. I (reluctantly) hold 20% international, but I consider it the ugly stepchild of my portfolio.
by UpperNwGuy
Fri Oct 04, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank joined others with $0 commission
Replies: 11
Views: 1703

Re: Ally Bank joined others with $0 commission

Do people here use Ally as a brokerage?
by UpperNwGuy
Fri Oct 04, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2256

Re: SPIA and your health

At age 75 my mother was in perfect health. By age 80 she had developed Parkinsons, and by age 84 she was no longer with us. With some variation, that’s the story for all of us. If at 75 she bought an annuity, and thereafter felt confident that she would never become so destitute that she had to bec...
by UpperNwGuy
Fri Oct 04, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Disability Ins.?
Replies: 22
Views: 984

Re: Fed Employee Disability Ins.?

I think you run the risk of becoming over-insured.
by UpperNwGuy
Fri Oct 04, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2256

Re: SPIA and your health

At age 75 my mother was in perfect health. By age 80 she had developed Parkinsons, and by age 84 she was no longer with us.
by UpperNwGuy
Fri Oct 04, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4584

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

FWIW - this specific Honda oil dilution issue is far from the first engine to see an oil dilution issues over these past years. Please provide a few examples to support your statement. I owned a pair of Yamaha 4 stroke outboards that displayed a known and significant oil dilution issue for many sea...
by UpperNwGuy
Fri Oct 04, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 3713

Re: Turkish Airlines ?

The airline seems to be fine, but you have to connect in Istanbul, and that has the potential to pose problems (needing a Turkish visa in the event of flight delay/cancellation, political unrest, etc). I would be reluctant to fly as far east as Istanbul if my destination were in Western Europe. Make...
by UpperNwGuy
Fri Oct 04, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4584

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

smitcat wrote:
Fri Oct 04, 2019 8:31 am
FWIW - this specific Honda oil dilution issue is far from the first engine to see an oil dilution issues over these past years.
Please provide a few examples to support your statement.