Search found 982 matches

by UpperNwGuy
Tue Oct 16, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 13
Views: 632

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: 5022

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: 5022

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: 4
Views: 240

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: 2244

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: 5022

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: 2244

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: 3199

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: 2895

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: 1952

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: 480

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: 5854

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: 2041

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: 430

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: 1461

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: 1101

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: 5022

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: 1706

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: 5616

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: 5022

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: 1464

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: 569
Views: 83797

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: 2452

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: 7364
Views: 1546276

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: 2221

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: 4642

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: 688

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: 94
Views: 3997

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: 94
Views: 3997

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?
by UpperNwGuy
Wed Oct 10, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7929

Re: When will you backup the truck on stocks

I'm not buying. I'm not selling. I don't own a truck. I don't own dry powder. I'm doing nothing.
by UpperNwGuy
Wed Oct 10, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1076

Re: Do you use your own cards for work travel?

I'm retired now, but before retirement I did a lot of business travel. Here's how it worked for me: — Airfare was billed directly to my employer through a travel agency. Once the ticket was issued my secretary would add my frequent flyer number to the flight record. I earned flight miles, but I earn...
by UpperNwGuy
Tue Oct 09, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 569
Views: 83797

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

Toyota has had a history of multiple recalls due to various braking problems since 2009, and in 2014, an "unintended acceleration" problem. That would concern me even more than the oil-gas dilution issue. While those issues may well exist elsewhere in the Toyota fleet, the RAV4, the direct competit...
by UpperNwGuy
Tue Oct 09, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11306

Re: 1.5 liter wine

How on earth did this ten year old thread come back to life today? I am frankly surprised that after reading it, not realizing that most of the entries were from 2008, I found it quite up to date. I guess the good jug wines stay good year after year.
by UpperNwGuy
Tue Oct 09, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1018

Re: Allocation re: Social Security

David Jay wrote:
Tue Oct 09, 2018 8:26 pm
Like Jeb, I am subtracting SS from expenses and calculating from there.
Me too.
by UpperNwGuy
Tue Oct 09, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5181

Re: "International Stocks Provide The Least Protection Just When Investors Need It Most"

Taylor, I am now following your recommendation. Previously I tried to maintain international at 33% of my equities, but I've allowed it to drift down to 20% over the last year. Like the article said, international has been both a poor diversifier and a poor performer. I won't let it go any lower tha...
by UpperNwGuy
Tue Oct 09, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 569
Views: 83797

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

I've been a big fan of Honda for many years. My every-day car is still our 2004 Pilot. I was fully supportive of our adult daughter when she wanted to buy the 2017 CRV last November. In my mind Honda's dishonesty here has wrecked their reputation, at least with me. I really doubt I will buy another...
by UpperNwGuy
Tue Oct 09, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3350

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

I would get the Mazda with the snow tires.
by UpperNwGuy
Tue Oct 09, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7811

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

2) When they respond, their response will optimize for the new investor. It will not benefit the existing, loyal Fidelity customer. For the existing Fidelity customer to get the benefit they must do a sale/buy in to the new fund (ie a taxable event). I've been a Fidelity and Vanguard customer for 1...
by UpperNwGuy
Tue Oct 09, 2018 6:12 am
Forum: Investing - Theory, News & General
Topic: Help me understand pro/con of market weighting
Replies: 11
Views: 822

Re: Help me understand pro/con of market weighting

On the subject of beta (mentioned in the OP), I am reading at present the work of Nassim Nicholas Taleb. He has a different understanding of risk and of portfolio construction. To illustrate his take on it, I will quote one of his recent tweets: Last night I dreamed that I was given The job at the ...
by UpperNwGuy
Mon Oct 08, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 43
Views: 3045

Re: What tools do you use to track your finances?

I use Moneydance in an offline mode, meaning I don't download any data from my online accounts. The manual keying doesn't take much time, as it's only a few transactions a day. I rely on the brokerages' online tools to track my capital gains and losses.
by UpperNwGuy
Mon Oct 08, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6437

Re: Market decline in 2019 ?

Mark2614 wrote:
Mon Oct 08, 2018 10:45 am
Is anyone here switching from equities to cash in hopes to avoid a big market decline in the next year or two?
Not me. I chose my asset allocation with the understanding that stocks could decline. I'm staying the course.
by UpperNwGuy
Mon Oct 08, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Sell 5-10% of equities to re-balance into bonds?
Replies: 14
Views: 1034

Re: Sell 5-10% of equities to re-balance into bonds?

alwayshedge wrote:
Mon Oct 08, 2018 9:38 am
I don’t understand this notion of just because the market has done well for quite a few years it automatically means we’re in a bubble that’s about to burst.
+1 There seem to be a lot of recent posts about some inevitable coming crash.
by UpperNwGuy
Sun Oct 07, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Examining Bond Premiums
Replies: 7
Views: 864

Re: Larry Swedroe: Examining Bond Premiums

Does a high yield municipal bond fund work the same way as high yield corporate?
by UpperNwGuy
Sun Oct 07, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4380

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Well I'd like to blow them all up personally, but then I'd not to be happy with the consequences. OP, thanks for the heads up. You can. Sign up to exclude your record from any marketing opportunities. Lock up (freeze) your credit reports. Vote for responsible politicians. Wait! Wasn't that what the...
by UpperNwGuy
Sun Oct 07, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7811

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

All these let’s-bash-Fidelity threads seem childish to me. I think it’s wonderful that Fidelity has lowered both minimum investments and expense ratios on many existing funds and that they have introduced four new ZERO funds. Competition is good for investors no matter which brokerage they use or wh...
by UpperNwGuy
Sun Oct 07, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1357

Re: Active vs passive indexing

Your comparisons confuse me because you have too many variables in play. For example, VWILX is a growth fund and VTIAX is not. This is an important difference apart from active vs passive indexing. What are you really asking? Is it about whether to use factors?