Search found 1002 matches

by UpperNwGuy
Tue Oct 23, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 14
Views: 1120

Re: Do you use mobile apps to assist with your investments?

I buy on the first of every month, and I don’t sell, so I don’t need notifications to tell me what to do. Nevertheless, I like to know what’s going on, so I have an app that tells me what the Dow, the S&P 500, and the Nasdaq are doing.
by UpperNwGuy
Tue Oct 23, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 38
Views: 3517

Re: 'Smart money' bailing on the market, time to get out?

ChinchillaWhiplash wrote:
Tue Oct 23, 2018 9:46 am
Didn't Mr. Bogle himself just say in his latest interview that it might be worth reducing your equities position by around 10%? He is definitly smart money :wink:
Even if Mr Bogle himself said that, I won’t do it.
by UpperNwGuy
Mon Oct 22, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 35
Views: 2359

Re: What's Your Fixed Income Strategy?

My strategy is to split my fixed income investments 50/50 between Total Bond and Intermediate-Term Tax-Exempt, both in taxable.
by UpperNwGuy
Mon Oct 22, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Do you use any economic "theory" in your approach to investing?
Replies: 12
Views: 775

Re: Do you use any economic "theory" in your approach to investing?

I don't use an economic theory to guide my investing. I know enough about economics to know that I am not knowledgeable enough about its theoretical aspects to base my investment decisions on economic theory.
by UpperNwGuy
Mon Oct 22, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 58
Views: 5588

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

I have history with both banks and neither one of them tempts me in the least. I do my banking at credit unions and my investing at Vanguard and Schwab. (I have two credit cards at Chase because their credit card rewards programs are the best in the business.)
by UpperNwGuy
Sun Oct 21, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 7800

Re: Quitting w/o notice

Give the two weeks notice.
by UpperNwGuy
Sun Oct 21, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Muni money market and national funds and taxes- basic question
Replies: 2
Views: 186

Re: Muni money market and national funds and taxes- basic question

Yes, the national municipal bond funds are taxed by the states. That's why investors often select state-specific municipal bond funds, because no state taxes its own municipal bonds. If you're asking this kind of basic question, you probably need to do a lot more reading about municipal bonds before...
by UpperNwGuy
Sun Oct 21, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1369

Re: Municipal Money Market Fund

Jimsad wrote:
Sun Oct 21, 2018 12:40 pm
This is a family partnership account with me and my wife as the partners
LLCs are legal persons, not natural persons. The SEC's 2014 money market reforms limit certain types of funds to natural persons. Your problem isn't with Vanguard. It's with the SEC.
by UpperNwGuy
Sun Oct 21, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5621

Re: Pull kids from school for vacations?

We never pulled our children from school. We took our vacations during the summer break or during school holidays.
by UpperNwGuy
Sat Oct 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus and cashing out muni fund
Replies: 20
Views: 1550

Re: Ally 1% bonus and cashing out muni fund

Why not move the money back to Vanguard Intermediate Term Tax Exempt?
by UpperNwGuy
Sat Oct 20, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1369

Re: Municipal Money Market Fund

What type of account do you have?
by UpperNwGuy
Sat Oct 20, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 8273

Re: Lufthansa Premium Economy

Lufthansa economy class is better than most other airlines. Seems unnecessary to upgrade to premium economy.
by UpperNwGuy
Sat Oct 20, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 42
Views: 4116

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

Vanguard Intermediate-Term Tax-Exempt Bond Fund is an excellent fund in a taxable account for investors in a high tax-bracket. I have both VWIUX (tax exempt) and the usual VBTLX (tot bond) in my taxable account for some equity ballast. With rates up, it looks more like a wash between the tax exempt...
by UpperNwGuy
Sat Oct 20, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 31
Views: 1641

Re: Travelers Checks

I have never used travelers checks within the US, even before the ATM era. I did use them for international travel during the 1980s and 1990s, but have not used them since 2000. It's simply so much easier to use ATMs.
by UpperNwGuy
Sat Oct 20, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 39
Views: 6023

Re: Set it and forget it

I am totally a buy-and-hold investor, so I completely agree with Rick. I rebalance over the course of time by adjusting which funds I buy each month rather than by selling one and buying another. I'm not even tempted to do tax loss harvesting because that would involve selling something,
by UpperNwGuy
Sat Oct 20, 2018 4:06 am
Forum: Investing - Help with Personal Investments
Topic: Fund Choice Questioning
Replies: 13
Views: 840

Re: Fund Choice Questioning

Beensabu, the OP uses the moniker “mr. jelly”. The OP made 14 (or so) references to himself with “I” or “my” and no references to “we, us, our”. So, why do you make numerous references to the OP as “they”. I’m no grammarian but this seems to be a new trend, using they when he or she should be used....
by UpperNwGuy
Fri Oct 19, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 4852

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Always give two weeks notice. It's common professional courtesy.
by UpperNwGuy
Wed Oct 17, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1681

Re: Denied credit card with great credit

Chasing credit card bonuses is a high risk game. Once the banks figure out that you're a bonus-chaser, they stop approving your applications.
by UpperNwGuy
Wed Oct 17, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: would you buy bonds or corporate bonds now?
Replies: 19
Views: 1747

Re: would you buy bonds or corporate bonds now?

Corporate bonds are fine. They're a lot less risky than stocks. I've never understood the forum members who say that, "Treasuries are the only bonds you'll ever need."
by UpperNwGuy
Tue Oct 16, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 28
Views: 2195

Re: Transfer VTSAX & VTIAX to Chase You Invest?

I am looking to take advantage of the Chase Sapphire banking 60,000 UR points offer going on, where they require 75K in assets moved to Chase You Invest platform. I currently have around this much with Vanguard in both VTSAX & VTIAX. Is it possible to transfer these funds "in kind" to Chase, avoidi...
by UpperNwGuy
Tue Oct 16, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5456

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

With Fidelity (a for-profit company) you will constantly have to remain vigilant about the investments you make there (to be sure they are making their profits off other customers and not you). With Vanguard, such vigilance won't be necessary. So it would seem to me to boil down to how much attenti...
by UpperNwGuy
Tue Oct 16, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5456

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Serious question, does anyone know first hand of a situation where $1,000 to initiate a LONG-TERM savings and investment plan was too big of a leap before opening a brokerage account? If yes, would opening a brokerage account and putting the money in a money market (Vanguard Federal Money Market) v...
by UpperNwGuy
Tue Oct 16, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing During Retirement
Replies: 20
Views: 2685

Re: Investing During Retirement

I recommend the three fund portfolio: Total Stock, Total International, and Total Bond. Depending on your risk tolerance, you would likely want your stock/bond ratio to be 60/40, 50/50, or 40/60. The international share of your stock should be between 20 and 40 percent.
by UpperNwGuy
Tue Oct 16, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2362

Re: How do you buy a mattress ?

Has anyone tried Amerisleep or Loom & Leaf?
by UpperNwGuy
Tue Oct 16, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5456

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

A $3k initial minimum investment for almost all funds at Vanguard is a significant hurdle for the median U.S. household or individual. As noted above, the TR funds have a $1000 minimum, which is what beginners should start with anyway. I would recommend a beginner start with Total Stock, not with a...
by UpperNwGuy
Mon Oct 15, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2362

Re: How do you buy a mattress ?

I don't think there is a proper way, just do whatever works for you. I have become comfortable with memory foam mattresses so I just order online and a compact box shows up on my doorstep. Talk about a time saver versus the traditional runaround and delivery coordination. How do you dispose of your...
by UpperNwGuy
Sun Oct 14, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3318

Re: Boglehead's Car Talk

Keep the RAV4. Keep the Forester. Stop dreaming about Volkswagens.

I write this as the owner of a 2002 Volkswagen Golf that still runs fine. My next car will be either a 2019 RAV4 or a Forester.
by UpperNwGuy
Sun Oct 14, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2949

Re: Trying to get a Federal Job

I don't particularly care about the pension contribution percentage changing, because all that does is change how much of the benefit received in retirement is taxable. The effect of High 5 vs high 3 would depend on my salaries 2-3 decades from now. It may or may not have a huge impact. Losing the ...
by UpperNwGuy
Sun Oct 14, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2027

Re: Bed bug problem attack plan

Bedbugs often spread from unit to unit in multifamily buildings such as apartments and condos.
by UpperNwGuy
Sat Oct 13, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Best business credit card
Replies: 6
Views: 489

Re: Best business credit card

Chase and Amex are your best options. I would go with Chase because Chase cards tend to be more straightforward than Amex cards.
by UpperNwGuy
Sat Oct 13, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5956

Re: Neighbor discussing finances with me

If you read enough Bogleheads, sooner or later you will come across the claim that Treasury bond funds have zero risk — because the bonds are guaranteed by the government. They forget to mention that Treasury bond funds are still subject to normal duration risk. Perhaps your friend's advisor is reco...
by UpperNwGuy
Sat Oct 13, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Does anyone consider institutional risk?
Replies: 37
Views: 2143

Re: Does anyone consider institutional risk?

Remember that Vanguard has a mutual structure which other fund companies do not (it is a mutual mutual fund company). That is to say, the first two paragraphs explain the structure of Vanguard. The mutual funds own Vanguard. Fidelity is not owned by its mutual funds, it's owned by Ned and Abigail J...
by UpperNwGuy
Sat Oct 13, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund vs. Brokerage exposure to risk
Replies: 8
Views: 453

Re: Mutual Fund vs. Brokerage exposure to risk

Why are you concerned about Vanguard failing? Do you have inside information about such a possibility?
by UpperNwGuy
Sat Oct 13, 2018 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Buying opportunity? Invest my emergency fund??
Replies: 9
Views: 1487

Re: Buying opportunity? Invest my emergency fund??

First, you should determine the amount your emergency fund needs to be. Second, you should invest any cash on hand that exceeds that amount. I would keep adding to the funds you already own rather than adding a blended fund to the mix. Third, you should put your emergency fund into a money market fu...
by UpperNwGuy
Sat Oct 13, 2018 5:30 am
Forum: Investing - Help with Personal Investments
Topic: how to put different ETF in different accounts
Replies: 27
Views: 1143

Re: how to put different ETF in different accounts

Why are you so in love with VTI? Each account type probably offers its own free-to-trade total market fund. Why not save commissions and use those? I agree. Having VTI in all the accounts gives the false appearance of simplicity. It's probably simpler to take advantage of the unique choices availab...
by UpperNwGuy
Sat Oct 13, 2018 5:17 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5456

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

I do not have a bias against Fidelity. But I am skeptical, why is that a problem. I used to be skeptical about DFA back in the days, but not anymore as evidence has shown they are very efficient at what they do. I do not quite trust AQR yet. It is good to have a fair amount of skepticism until prov...
by UpperNwGuy
Fri Oct 12, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1750

Re: Census

Just call the Census Bureau and ask them if this is legit.
by UpperNwGuy
Fri Oct 12, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5705

Re: Who worries about a bear market in stocks?

I joined Bogleheads about a year ago, and within the first few weeks I started to see posts by CULater expressing great fear for what was about to happen to the stock market. I am guessing he has started 15-20 threads during the last year, each one approaching the same topic from a slightly differen...
by UpperNwGuy
Fri Oct 12, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5456

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Is Fidelity using indexes that are cheaper to licence compared to Vanguard? If so, do they really have innovation and customers best interest in mind in offering the best products or improving existing products as opposed to cheap marketing slogans based on expense ratio alone. Are they cutting cos...
by UpperNwGuy
Fri Oct 12, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1483

Re: Time to sell international funds in 401k

Don't sell. You would be locking in losses. Hang onto those funds. Sooner or later they'll rise.
by UpperNwGuy
Thu Oct 11, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 602
Views: 87917

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I've been keeping an eye on this issue for several months. It has stopped me from buying a 2018 Honda CRV. I'm keeping my current vehicle for now, and am currently leaning towards the new Toyota RAV4 when it comes out. I'm not sure I'll buy one of those immediately though as I've dealt with several...
by UpperNwGuy
Thu Oct 11, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity announces simplified index fund structure]
Replies: 20
Views: 2490

Re: Fidelity simplified fund structure announced

So this is what they said they were going to do. No surprises that I can see.
by UpperNwGuy
Thu Oct 11, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7442
Views: 1557604

Re: U.S. stocks in freefall

MJW wrote:
Thu Oct 11, 2018 2:40 pm
I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy.
The people here tend to get nervous over the smallest things. I'm waiting for the CD and treasury bond bandwagons to get rolling.
by UpperNwGuy
Thu Oct 11, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2246

Re: Mold on inspection, need advice

I would not buy a house with mold problems.
by UpperNwGuy
Thu Oct 11, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4724

Re: Keep a backup hot water heater?

Whoever heard of a "backup hot water heater"? Nobody does that.
by UpperNwGuy
Thu Oct 11, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 702

Re: Filing a Lemon Law Claim on Vehicle

I think you should sell the car immediately and put this cause of stress behind you. It's clearly eating at you in an unhealthy way.
by UpperNwGuy
Thu Oct 11, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4554

Re: Vanguard website problems [Transactions won't go through, 500 error...]

These Vanguard website problems don't bother me in the least. I never buy or sell to take advantage of short-term market changes. I buy on the first of the month when my pension payment posts in my checking account. If the website is down, I wait a day and buy on the second of the month. It's great ...
by UpperNwGuy
Wed Oct 10, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4554

Re: Vanguard website problems [Transactions won't go through, 500 error...]

How did Fidelity's website do today? We've had a lot of let's-bash-Fidelity threads recently, but those who use Fidelity say that the website is very reliable. Was this true today when it was under stress?