Search found 690 matches

by UpperNwGuy
Wed Aug 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 24
Views: 1390

Re: Men’s Underwear recommendation

VictoriaF wrote:
Wed Aug 15, 2018 5:04 pm
Clean.

Victoria
Always.
by UpperNwGuy
Mon Aug 13, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash
Replies: 6
Views: 825

Re: How Much Cash

Don’t follow Mark Cuban’s example. He is rich. You are not. You’ll do much better if you listen to livesoft’s advice.
by UpperNwGuy
Mon Aug 13, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4464

Re: Marriage [How should finances be handled?]

Three word solution: his, hers, and ours. Reach agreement on what falls into each of those three buckets.
by UpperNwGuy
Mon Aug 13, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, rebalancing...market crash question
Replies: 14
Views: 1736

Re: VTSAX, rebalancing...market crash question

The mother of all bubbles? Yikes!

Nevertheless, I’m sticking with my 60/40 three-fund passive portfolio. Stay the course!
by UpperNwGuy
Mon Aug 13, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2374

Re: Using Uber Without A Cellular Data Connection

Just buy an international plan from your US cellular service provider. Or don’t use Uber. I travel to Europe twice a year and have never onced used Uber. The local cabs are always wonderful in European cities.
by UpperNwGuy
Mon Aug 13, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 5
Views: 1044

Re: Vanguard Prime Money Market

yousha wrote:
Mon Aug 13, 2018 10:12 am
I would like to see them offer Admiral Shares so we could get a higher rate on a half a million invested.
Why would you want to do that?
by UpperNwGuy
Mon Aug 13, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard funds with purchase fees; ETFs without. How come?
Replies: 28
Views: 3942

Re: Vanguard funds with purchase fees; ETFs without. How come?

Similarly, the newish Tax-Exempt Bond Index Fund still has a 0.25% purchase fee despite assets having grown to $3.5 billion.
by UpperNwGuy
Sun Aug 12, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: “Safe” investment approaching retirement
Replies: 17
Views: 1654

Re: “Safe” investment approaching retirement

livesoft wrote:
Sun Aug 12, 2018 7:50 am
I question the need for a "Safe" investment that won't drop in value. One should be completely satisfied with any ol' bond fund that won't drop more than 10% over a year or so.
+1
by UpperNwGuy
Sat Aug 11, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2342

Re: Which is better?

VTI - Vanguard Total Stock Market ETF VT - Vanguard Total World Stock ETF I had to look them up, so I'll post the results here so others won't have to. And, yes, I am a real Boglehead, and I don't appreciate the insulting remark that I might not be. In fact, I'm such a real Boglehead that I invest o...
by UpperNwGuy
Sat Aug 11, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

I am unsure why Fidelity just did not cut the expense ratio's to their existing index funds. Now anyone with capital gains may not be able to invest in the new offerings. Maybe it wasn't in their shareholders' interests. Sorry, I meant Fidelity's, not the fund's; it can be confusing with non-Vangua...
by UpperNwGuy
Sat Aug 11, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

There is a substantial amount of assets in VTSMX. Those people are paying excessively for it, and they can pay much lower elsewhere. The ER for Investor shares is not excessive , it is very reasonable. Paying $14 or less per year is very reasonable for the web site access, basis tracking, tax forms...
by UpperNwGuy
Sat Aug 11, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6853

Re: Private Banking is a trap. Don't do it!

Tell them you want to revert back to regular banking. If they press the issue, move your funds to a different bank.
by UpperNwGuy
Sat Aug 11, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 72
Views: 4385

Re: How often do you check your brokerage accounts

I check my brokerage accounts every weekday evening. I also check my bank balances and credit card transactions every weekday morning. I like to know what's going on.
by UpperNwGuy
Sat Aug 11, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 9454

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

sambb wrote:
Sat Aug 11, 2018 12:04 pm
What historically has happened after a 10 year bull market run?
Usually there is a bear market followed by another bull market.
by UpperNwGuy
Sat Aug 11, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 9678

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

willthrill81 wrote:
Sat Aug 11, 2018 2:08 pm
FWIW, international had higher returns than U.S. in 2017, 2012, 2009, 2007, and 2003-2005. But from 2000 until now, international has averaged more than 2% lower returns than U.S. and with greater volatility and a deeper drawdown to boot.
^^ THIS is what bothers me the most about international.
by UpperNwGuy
Sat Aug 11, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 109
Views: 6748

Re: [New Vanguard website layout starting Saturday, August 11]

I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts? Just an FYI; my log-in shows all our accounts, mine, ours, hers all on the main page. Some are brokerage some are not. I have not seen a change to the first s...
by UpperNwGuy
Sat Aug 11, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4056

Re: New CD Rates

CDs will never beat inflation.
by UpperNwGuy
Sat Aug 11, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4055

Re: What is your favorite reasonably priced Rum?

I'm not a rum fan either, but in Central America I drank Flor de Cana (Nicaragua) or Centenario (Costa Rica).
by UpperNwGuy
Sat Aug 11, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 109
Views: 6748

Re: [New Vanguard website layout starting Saturday, August 11]

I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts?
by UpperNwGuy
Sat Aug 11, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 9678

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Turkey is such a small portion of the Total International Stock Index Fund, yet the fund lost nearly 2% today. I'm ready to seriously rethink the international stock portion (33%) of my equity allocation. And this isn't about market timing. It seems to be an recurring pattern. Something bad happens...
by UpperNwGuy
Sat Aug 11, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4982

Re: Preparing for a bear market

50/50 at the top level sounds simple enough, but all the splits within your asset classes sound too complicated for someone who worries about bear markets. Simplify.
by UpperNwGuy
Fri Aug 10, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 5949

Re: Paper checks yes or no?

I wrote a paper check today to pay my maid service. First check in two weeks. My maid service used to let me pay through PayPal, but PayPal recently increased the charge paid by businesses to receive such payments, so now my maid service wants a check. As long as electronic payment services like Pay...
by UpperNwGuy
Fri Aug 10, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 9678

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Turkey is such a small portion of the Total International Stock Index Fund, yet the fund lost nearly 2% today. I'm ready to seriously rethink the international stock portion (33%) of my equity allocation. And this isn't about market timing. It seems to be an recurring pattern. Something bad happens ...
by UpperNwGuy
Fri Aug 10, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7627

Re: Should I tell my family/friend that they are making a financial mistake?

On the other hand, my mom is convinced that many people forever lost their savings in 2008 even if they held their stocks and did not sell. She also thinks mutual funds are safer than stocks. But in general mutual funds *are* safer than stocks, aren't they? (Unless you have at least 500 large cap s...
by UpperNwGuy
Fri Aug 10, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2141

Re: Have you rebalanced to bonds this year?

If you were going to rebalance, you should have done it in the third week of January when TSM hit its peak. Everything since January has been a series of ups and downs.
by UpperNwGuy
Fri Aug 10, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2043

Re: Do Airlines measure checked baggages?

OP - there are no guarantees that a bag that's too large will not be measured and discovered. I have seen airline agents measure bags. Plan accordingly. OP: Why are you trying to take so much stuff that you need a bag that exceeds the maximum dimensions? Why not just comply with the airline's rules?
by UpperNwGuy
Thu Aug 09, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7627

Re: Should I tell my family/friend that they are making a financial mistake?

Can you present the information as: "here's what I've done with my own money," and then let them decide? I like to tell people that they have options and here's what I do, and then leave it at that. If they want to know more, they can ask me. ^^ THIS is what you should say. Don't use the phrase "fi...
by UpperNwGuy
Wed Aug 08, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: ESOP - Diversification options
Replies: 11
Views: 616

Re: ESOP - Diversification options

ESOP = Employee Stock Ownership Plan

I had to look it up, so I'll post it here so others won't have to.
by UpperNwGuy
Wed Aug 08, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Large Bank to Small Bank, Yes or No?
Replies: 17
Views: 1583

Re: Career Move: Large Bank to Small Bank, Yes or No?

blevine wrote:
Sun Aug 05, 2018 12:28 am
Only problem wih a small firm, they get acquired.
^^ THIS should be an important consideration.
by UpperNwGuy
Wed Aug 08, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

There's one gimmicky aspect of the funds--they don't have small cap, just mid and large cap. So they're basically not that much better than S&P 500 funds, and not a standalone competitor to a total market fund. To get total market, you'd need to combine the free funds with a small cap fund, which w...
by UpperNwGuy
Wed Aug 08, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52410

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

TIAX wrote:
Wed Aug 08, 2018 10:11 am
People who don't have enough assets to reach admiral are the same people who need a lot of hand holding (phone calls, help filling out forms, etc.).
What's your factual basis for making such an insulting accusation?
by UpperNwGuy
Wed Aug 08, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1171

Re: Investment Advice - Lump sum investing

fishing74 wrote:
Wed Aug 08, 2018 11:55 am
I've been sitting on this money since Feb 2018 of course thinking the market was in a down swing.
Not a good move! Get that money into the market immediately!
by UpperNwGuy
Wed Aug 08, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52410

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

How do you know the Investor shares shareholders are subsidizing the Admiral shares investors, if you don’t know how many of each there are and the typical costs associated with each type of account? The overall ER of the Vanguard Total Stock Market Index Fund for all classes is 0.053%. Investors i...
by UpperNwGuy
Wed Aug 08, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 112
Views: 11278

Re: Treasury Bonds are the Only Bonds You Need

Fidelity has a Treasury fund with a recently lowered expense ratio. I believe it now has no minimum purchase requirement.
by UpperNwGuy
Wed Aug 08, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4237

Re: If it were March, 2000, would you still allocate 50% to Stocks?

I don't understand the point of OP's question. With 20/20 hindsight, of course I wouldn't invest in stocks at a peak immediately preceding a crash. Who would? The problem is that nobody knows the future, so the question becomes a purely intellectual exercise with no actionable aspect. OP mentions PE...
by UpperNwGuy
Wed Aug 08, 2018 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on New Asset Allocation
Replies: 12
Views: 941

Re: Advice Needed on New Asset Allocation

Too much tilting. Not enough bonds. I think you should explain what you're attempting to do by using a standard three fund portfolio of Total Stock, Total International, and Total Bond as the baseline. Then explain for each slice why you're deviating from that baseline.
by UpperNwGuy
Wed Aug 08, 2018 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Better investments than the stock market?
Replies: 13
Views: 2109

Re: Better investments than the stock market?

vu8 wrote:
Tue Aug 07, 2018 10:48 pm
Hi there! Is there a better way to put your money besides investing in index funds? What alternative investment method would yield a higher return over the long term with underlying value?
If this were easy and safe, you would already have heard about it without asking us.
by UpperNwGuy
Tue Aug 07, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12684

Re: "Age in Bonds" fails almost everyone

I'm just trying to win a "Loser's Game". Getting my portfolio perfect by picking the perfect stock/bond portfolio is a futile endeavor for me. I figure a 60/40 asset allocation is good enough when reaching "critical mass" and >50 years old. I would be 90/10 from 20-30yrs old. 80/20 30-40 yrs old. 7...
by UpperNwGuy
Tue Aug 07, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 1009

Re: Facebook asking banks for customer date "to offer more services" !?

My understanding is that Facebook collects information on everybody who uses the internet, not just on their own members. So not joining Facebook doesn't protect you from their collecting your data.
by UpperNwGuy
Tue Aug 07, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2161

Re: Grind and Brew Coffee Makers - worth it?

I have a stand-alone Kitchen Aid burr grinder that has served me well for almost ten years. After grinding the coffee, I put it in a Chemex filter and use the pour over technique to make my coffee. Simplicity!
by UpperNwGuy
Tue Aug 07, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2003

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

I have the United Explorer card and use it for several of the perks: additional award seat availability, the two club passes, and early boarding. My United travel consists of two round trips to Europe each year, both for pleasure. I have always been able to book an economy award seat on the date I w...
by UpperNwGuy
Tue Aug 07, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12684

Re: "Age in Bonds" fails almost everyone

I look at a universe of defined benefit pension plan asset allocations. I make adjustments for allocations to private equities/alternatives like hedge funds, swapping equities for that subset which I can not access. I pick an allocation and I stay with it. I will adjust as I get closer to either ta...
by UpperNwGuy
Mon Aug 06, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

I think it's the ownership style of Vanguard that keeps it more attractive than other companies. We technically own Vanguard because of the way it's structured. Fidelity isn't held to the same standard or has a similar structure. If we technically own Vanguard, how come we can't get Vanguard to do ...
by UpperNwGuy
Mon Aug 06, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12684

Re: "Age in Bonds" fails almost everyone

You must have missed that these were "top-rated" managers. :D Where's the like button? Boglehead forum members seem to enjoy poking fun at the target date retirement fund managers, but for the folk who are invested heavily in those funds, often as their only retirement fund, this is a very serious ...
by UpperNwGuy
Mon Aug 06, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

Pre-Fidelity announcement: "Lowest expense ratio possible is essential!" Post-Fidelity announcement: "Actually, don't worry about them! Stay with Vanguard!" People have been using this strawman a lot, but they never cite who in the present discussions actually said it. I at least have pointed out o...
by UpperNwGuy
Mon Aug 06, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 18860

Re: "Don't Obsess About Expense Ratios"

BlackHat wrote:
Mon Aug 06, 2018 5:10 pm
He's so right. I'm almost afraid that this zero expense ratio thing might be a bait and switch.
Can you give us a single example from the last 50 years of a brokerage who has engaged in bait and switch by lowering ERs only to later increase them?
by UpperNwGuy
Mon Aug 06, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2399

Re: My Credit Card Rewards Strategy

My general spending goes on PenFed's 2% cash back card. My travel and dining goes on the Chase Sapphire Reserve to earn 4.5% when redeemed for travel. I'm still looking for a decent card with 3% grocery rewards. I've tried Amex Blue Cash Everyday and hated the two month delay in posting of rewards ...
by UpperNwGuy
Mon Aug 06, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 908

Re: Should I close a newly opened card that I no longer use?

If it has a fee, close it. Never pay a fee for a card that you don't plan to use.
by UpperNwGuy
Mon Aug 06, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: VIOV + VSIAX
Replies: 9
Views: 769

Re: VIOV + VSIAX

Vanguard S&P Small-Cap 600 Value ETF (VIOV)
Vanguard Small-Cap Value Index Fund Admiral (VSIAX)

I had to look them up, so I'll share my search results so others won't have to.
by UpperNwGuy
Mon Aug 06, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 2994

Re: USPS Informed Delivery

USPS uses data from the credit bureaus to verify your identity, so make sure your data is correct at the credit bureaus before you sign up for USPS Informed Delivery. It's really that simple. So, here's the thing. I have my credit frozen but the questions that came up for Informed Delivery verifica...