Search found 3940 matches

by UpperNwGuy
Mon Sep 28, 2020 3:50 pm
Forum: Personal Investments
Topic: is this market timing? or better
Replies: 21
Views: 1338

Re: is this market timing? or better

Why do you hate buying at all time highs? The market keeps surpassing every single previous all time high.
by UpperNwGuy
Mon Sep 28, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 30
Views: 1344

Re: What fund(s) are in your taxable account?

What fund or funds are in your taxable account? Why did you choose that fund? S&P 500 Index. I chose it as a tax loss harvesting partner to Total Stock Index. I did the tax loss harvest in March 2020. I'll be happy to switch back to Total Stock Index if another tax loss harvesting opportunity arise...
by UpperNwGuy
Mon Sep 28, 2020 3:38 pm
Forum: Forum Issues and Administration
Topic: Forum attains 100,000 members
Replies: 24
Views: 2014

Re: Forum attains 100,000 members

Great benchmark, for sure. Mel's multiplier really gives a picture of the popularity of the forum. Though, I will say a lot of members have seemingly left over the years. Every now and then I will be reading an old discussion that someone reopens, and I wonder where some of the posters have gone. K...
by UpperNwGuy
Sun Sep 27, 2020 4:44 pm
Forum: Personal Investments
Topic: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?
Replies: 27
Views: 2558

Re: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?

Investors Mind Money wrote: Sun Sep 27, 2020 4:07 pm We split our cash between Tax Exempt Bond Funds and US Treasuries to reduce risk.
I do something similar, but I add in a smaller proportion of corporate bonds to boost yield.
by UpperNwGuy
Sun Sep 27, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: The One Who Pays
Replies: 33
Views: 3818

Re: The One Who Pays

I've always been The One Who Pays. I'll probably keep that status for another few years, but I won't keep it forever. My three kids are all in their 30s now, and the oldest two will soon pass the age of 40. Hopefully they will then pay for me occasionally.
by UpperNwGuy
Sun Sep 27, 2020 4:05 pm
Forum: Personal Investments
Topic: Vanguard Says I'm Too Growth Oriented?
Replies: 8
Views: 854

Re: Vanguard Says I'm Too Growth Oriented?

S&P 500 funds probably have a bit more growth than Total Stock funds, but not significantly. I would stay the course.
by UpperNwGuy
Sun Sep 27, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 67
Views: 4960

Re: DIY life style. Typical Boglehead?

My father was a DIY guy. But when he was in his late 60s (my current age), he decided to take down a tall tree in his front yard. His strategy was to take his chain saw up into the tree and cut the tree down from top to bottom. Unfortunately for him, he misjudged which direction the top section of t...
by UpperNwGuy
Sun Sep 27, 2020 1:59 pm
Forum: Personal Investments
Topic: Unfreeze Credit To Open TreasuryDirect Accounts?
Replies: 13
Views: 774

Re: Unfreeze Credit To Open TreasuryDirect Accounts?

I've been unable to find the answer to this question with web searches, so I'm hoping somebody here might know. Do we need to unfreeze our credit to open new TreasuryDirect accounts? And if yes, with which agency? Can't you just open an account and find out for yourself? Maybe you can read the thre...
by UpperNwGuy
Sun Sep 27, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Force statements to be e-delivered monthly?
Replies: 14
Views: 1014

Re: Force statements to be e-delivered monthly?

Buy one share of a short-term bond ETF. You will get a statement every month because of the dividend payments. My inherited IRA has a bond fund that pays monthly. There are still no monthly statements, only quarterly, because it is a traditional mutual fund account. So it all depends on what kind o...
by UpperNwGuy
Sun Sep 27, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Force statements to be e-delivered monthly?
Replies: 14
Views: 1014

Re: Force statements to be e-delivered monthly?

Buy one share of a short-term bond ETF. You will get a statement every month because of the dividend payments.
by UpperNwGuy
Sat Sep 26, 2020 7:46 pm
Forum: Personal Investments
Topic: Muni bond funds: Taxation
Replies: 9
Views: 753

Re: Muni bond funds: Taxation

For national muni bond funds, the dividends are exempt from Federal tax. Capital gains when you sell the bond funds are not exempt from Federal tax.
by UpperNwGuy
Sat Sep 26, 2020 7:26 pm
Forum: Personal Investments
Topic: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?
Replies: 27
Views: 2558

Re: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?

General questions: 1. Should I be looking at short-term, intermediate-term, or long-term funds? 2. Are state munis worth selecting over national for tax-free on state level? 3. How can I really judge volatility of the fund and what risk I'm willing to except? 4. Are munis just not the way to go her...
by UpperNwGuy
Sat Sep 26, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab closed my checking $0 account without a warning. Is that common?
Replies: 26
Views: 2193

Re: Schwab closed my checking $0 account without a warning. Is that common?

I have a small direct deposit from my pension going to my Schwab checking account each month. Some months I transfer it to my Schwab brokerage account and invest it in a Schwab fund. Other months I transfer it out of Schwab to my primary checking. Schwab seems happy with that level of activity.
by UpperNwGuy
Sat Sep 26, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2759

Re: What's your favorite reasonably priced gin?

So many great options (in order) Botanist, St George, Monkey, Hendricks, Roku Which of the three St George gins are you referencing? My favorite St George is the Botanivore. Great combination of 19 botanicals. Next would be their Terrior. Might be a bit woodsy depending on your preferences. Not a f...
by UpperNwGuy
Sat Sep 26, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2759

Re: What's your favorite reasonably priced gin?

Invest4lt wrote: Sat Sep 26, 2020 4:11 am So many great options (in order)
Botanist, St George, Monkey, Hendricks, Roku
Which of the three St George gins are you referencing?
by UpperNwGuy
Fri Sep 25, 2020 6:38 pm
Forum: Personal Investments
Topic: Rebalancing in Vanguard
Replies: 5
Views: 449

Re: Rebalancing in Vanguard

This is a good reason to use mutual funds instead of ETFs.
by UpperNwGuy
Fri Sep 25, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Any Blended Scotch Drinkers Here?
Replies: 43
Views: 2649

Re: Any Blended Scotch Drinkers Here?

Are all the blended scotch whiskies pure scotch, or do some of them include "grain neutral spirits"? To be called scotch: https://en.wikipedia.org/wiki/Scotch_whisky#Legal_definition The article is vague but clearly states that blended scotch whisky includes "some proportion" of grain neutral spiri...
by UpperNwGuy
Fri Sep 25, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Any Blended Scotch Drinkers Here?
Replies: 43
Views: 2649

Re: Any Blended Scotch Drinkers Here?

Are all the blended scotch whiskies pure scotch, or do some of them include "grain neutral spirits"?
by UpperNwGuy
Fri Sep 25, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2759

Re: What's your favorite reasonably priced gin?

Ford's gin. I use it in martinis with Dolin Dry vermouth.

Previous favorites were Beefeater and Broker's.
by UpperNwGuy
Fri Sep 25, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 154
Views: 10175

Re: Myth's of international investing - Fidelity

I'm sitting here waiting patiently for one of the pro-international forum members to post that same tired old chart that shows the periods in which ex-US and US took turns outperforming each other. This isn't an official international thread until that chart appears. Wait's over. It's in the linked...
by UpperNwGuy
Thu Sep 24, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 116
Views: 9872

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

bugleheadd wrote: Thu Sep 24, 2020 4:10 pm what about putting it in Total Bond Market BND for a 2.41% yield?
BND has a 30-day SEC yield of 1.19%. Where are you getting your 2.41% figure from?
by UpperNwGuy
Thu Sep 24, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 154
Views: 10175

Re: Myth's of international investing - Fidelity

I'm sitting here waiting patiently for one of the pro-international forum members to post that same tired old chart that shows the periods in which ex-US and US took turns outperforming each other. This isn't an official international thread until that chart appears.
by UpperNwGuy
Thu Sep 24, 2020 1:16 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 130
Views: 10989

Re: Long Suffering VXUS Holder No More

000 wrote: Wed Sep 23, 2020 8:08 pm I've gone in the opposite direction, moving from VXUS to VEA (developed markets only). I am not interested in relying on the CCP to protect my investment.
I've been looking at VEA, too.
by UpperNwGuy
Thu Sep 24, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Stock Market Recent Sell Off Mystery
Replies: 67
Views: 6621

Re: Stock Market Recent Sell Off Mystery

To me, the bigger mystery was why the stock market rebounded so quickly and so completely from the March 23 low point when the problem causing the economic uncertainty was (and is) still unsolved.
by UpperNwGuy
Thu Sep 24, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 84
Views: 6651

Re: What did your accounts look like in your 30's?

I was all in cash, but I had a good pension.
by UpperNwGuy
Wed Sep 23, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 207
Views: 22509

Re: What is your favorite reasonably priced bourbon?

SCb&b wrote: Tue Sep 22, 2020 7:53 pm Weller green label. $30 and a bargain at that
Is that the Special Reserve?
by UpperNwGuy
Mon Sep 21, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762211

Re: U.S. stocks in free fall

S&P500 is more or less back to where it was in early January. Will this be a... lost year? :| We're in the middle of a pandemic/recession. You'd think it would go down, right? The fact that it's been up for a good portion of the year is pretty irrational. It's why I shifted from VOO to QQQ in March...
by UpperNwGuy
Mon Sep 21, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to discuss with HR that I live in multiple places...
Replies: 28
Views: 3980

Re: How to discuss with HR that I live in multiple places...

Your company wants your legal address so they can comply with state income tax withholding laws. Even if Florida doesn't have a state income tax, some of the other places you are living might have one, and the company is required by law to withhold. If you work for a large company, there may be a lo...
by UpperNwGuy
Mon Sep 21, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying BofA credit card bill online?
Replies: 35
Views: 1914

Re: Paying BofA credit card bill online?

Nearly every credit card in America allows you to log in online and pay your bill from any bank, either manually or through autopay.
by UpperNwGuy
Mon Sep 21, 2020 2:05 am
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

I invest the same amount on the first day of each month without regard to market movements or other uncertainties.
by UpperNwGuy
Sun Sep 20, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Why have international stocks done so poorly?
Replies: 19
Views: 1822

Re: Why have international stocks done so poorly?

International stocks have not lagged US stocks, but have kept pace. This should make intuitive sense. Most large companies are multinational companies. They invest in the same markets, have access to the same technology, hire from the same schools, have the same investors. Let me ask a quick questi...
by UpperNwGuy
Sun Sep 20, 2020 10:11 am
Forum: Personal Investments
Topic: Muni Bond Funds for Taxable Account
Replies: 20
Views: 1875

Re: Muni Bond Funds for Taxable Account

txaggie wrote: Sun Sep 20, 2020 9:43 am VTEB fell by more than a few percent in March. It fell 20.59% from its high on March 9th to its low on March 19th.
And what happened after March 19th?
by UpperNwGuy
Sat Sep 19, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15026

Re: Is Costco worth the $120 membership?

For me it isn't worth it because: — I am single and don't need to buy in bulk. — I live in a small apartment and can't store all those bulk purchases. — The nearest Costco is a long ways away. — I hate the crowds and the long checkout lines. — I find that Costco caters to lowest common denominator t...
by UpperNwGuy
Sat Sep 19, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which Other Insurance Companies To Get Quotes From?
Replies: 13
Views: 1122

Re: Which Other Insurance Companies To Get Quotes From?

How many hours have you spent on this project? How much money do you expect to save? Is it worth that much of your time?
by UpperNwGuy
Sat Sep 19, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3370

Re: Doctor disclosure and consent

The same thing happened to me last year at my dermatologist, but insurance paid for all of it. Medicare paid their share, and my supplementary paid the rest.
by UpperNwGuy
Sat Sep 19, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Not allowed to do testing/imaging outside hospital network
Replies: 22
Views: 1887

Re: Not allowed to do testing/imaging outside hospital network

Who is "they" that is "requiring" the location? If you are an in-hospital patient, I would expect only hospital labs and scans could be provided. But if you are seeing a doctor in an office setting, she usually won't have this restriction. And larger professional buildings (containing doctor office...
by UpperNwGuy
Sat Sep 19, 2020 6:09 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13691

Re: Losing Money with Index Funds

The only way to lose money with index funds to sell them at a loss soon after you buy them. The longer you hold them, the less likely that is to happen. Those two sentences are inconsistent. The second sentence is correct, but there are no guarantees that you will avoid monetary loss over any lengt...
by UpperNwGuy
Sat Sep 19, 2020 7:43 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13691

Re: Losing Money with Index Funds

The only way to lose money with index funds to sell them at a loss soon after you buy them. The longer you hold them, the less likely that is to happen. For example, the COVID bottom price for VTSAX on March 23 was still higher than the prices were in 2016. The only way to lose money was to sell sha...
by UpperNwGuy
Thu Sep 17, 2020 6:55 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73189

Re: Bonds - Throw it all on the table!!!

I have a home-grown three-fund bond portfolio: 42% intermediate-term treasury, 33% intermediate-term municipal, and 25% intermediate-term corporate. I'm mostly happy with with this home-grown mix of funds, but I can't help but noticing that the bonds I am ignoring, mortgage-backed securities, so oft...
by UpperNwGuy
Thu Sep 17, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1581

Re: Chase Freedom to Freedom Unlimited on Credit history

The Freedom credit card at Chase is like the old mutual fund platform at Vanguard. If you're new, you can't get it, but if you already have it, you can keep it.
by UpperNwGuy
Thu Sep 17, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Total Bond Index and IShares GOVT
Replies: 11
Views: 905

Re: Total Bond Index and IShares GOVT

If the Total Bond Index Fund allows the proportions of its bond types to float along with the weights of the types of bonds within it (treasury, corporate, mortgage-backed), what does the Intermediate-Term Bond Index Fund do? It seems to maintain a fixed percentage of treasuries vs corporates.
by UpperNwGuy
Wed Sep 16, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

Normchad wrote: Wed Sep 16, 2020 3:44 pm If I was the OP, I wouldn’t pay it. Wait a few months and see what happens.
What will happen is that your credit report will get dinged.
by UpperNwGuy
Wed Sep 16, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

I paid $175 for the first shot and $165 for the second shot in early 2019. At the time there were shortages and waiting lists.
by UpperNwGuy
Wed Sep 16, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 191
Views: 10783

Re: Reasons to invest internationally, or not.

I sleep well at night holding world market cap. I never have to worry about US vs International. I have both and will ride both up and down. If I was all US, I sure as hell would worry. I can't imagine how I would have handled the lost decade for the US index. I sleep well at night holding mostly U...
by UpperNwGuy
Tue Sep 15, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13280

Re: Is it worth to relocate for retirement?

In terms of optimization, is it worth to move to a “retiree friendly” state like Florida, Arizona, etc, from a northern state like Massachusetts? I don't know the answer to your question, but I do know that my cousin from Florida retired to Massachusetts about eight years ago and considers that to ...
by UpperNwGuy
Tue Sep 15, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Can VTSAX accidentally sell all its stock holdings?
Replies: 47
Views: 3798

Re: Can VTSAX accidentally sell all its stock holdings?

Is this possible at all? I have read of various traders making mistakes elsewhere. Was just wondering if it is possible for a fund management trader to accidentally sell all stocks in say the Vanguard Total Stock Market Index fund. How often does this sort of a thing happen? Is this a reason to div...
by UpperNwGuy
Tue Sep 15, 2020 9:52 pm
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 191
Views: 10783

Re: Reasons to invest internationally, or not.

I sleep well at night holding world market cap. I never have to worry about US vs International. I have both and will ride both up and down. If I was all US, I sure as hell would worry. I can't imagine how I would have handled the lost decade for the US index. I sleep well at night holding mostly U...