Search found 709 matches

by UpperNwGuy
Sat Aug 18, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 239
Views: 19669

Re: "Don't Obsess About Expense Ratios"

I have full confidence in my ability to restrain my Fidelity purchases to the cheap stuff. Upselling and bait-and-switch won't work on me.
by UpperNwGuy
Sat Aug 18, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 35
Views: 3264

Re: Vanguard predicts 10 year equity returns

just listened to yesterdays clark howard podcast where he talked about vanguards predictions of annual equity returns for the next 10 years. i don't know if this is on their website or not. insert appropriate caveats... domestic 3%-4% international 6%-7% They're predicting international will turn t...
by UpperNwGuy
Fri Aug 17, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 76
Views: 8145

Re: For those of you in the Accumulation Phase - How often do you check?

I check every weekday evening and record it in a spreadsheet. Takes less than five minutes. I like knowing what's going on. I have never made a spontaneous trade because of my checking.
by UpperNwGuy
Fri Aug 17, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 27
Views: 1258

Re: Best (most practical, low cost) Luggage for Airline Travel

HIinvestor wrote:
Fri Aug 17, 2018 3:31 pm
Personally, we have stuck with the 2 wheeled cordura nylon bags and been pretty satisfied. I’m not thrilled with the “hard shelled” carbonite models—they get scuffed and can split; they mostly weigh more empty and are less forgiving of adding just one more thing.
+1
by UpperNwGuy
Fri Aug 17, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3988

Re: Vanguard Switch to Brokerage Accounts

Why are people so afraid of the brokerage account? I find it to be very easy to use. In fact (and this might be heresy around here), I find it easier to use than Schwab. All my investments are in Vanguard mutual funds. I have no ETFs and no individual stocks or bonds.
by UpperNwGuy
Fri Aug 17, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28918

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

"... the future of Int'l certainly seems bright." It doesn't seem very bright to me. Case in point: this past week's declines ... That's the past, not the future. Sorry, but you're wrong. It is not the past. It is the present. And the future appears to be very similar to the present.
by UpperNwGuy
Fri Aug 17, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive asset allocation
Replies: 7
Views: 852

Re: Aggressive asset allocation

I recommend you forget about sectors and factors and invest in three funds: Total Stock, Total Bond, and Total International. You can adjust the percentages based on how much risk you want to take.
by UpperNwGuy
Fri Aug 17, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 29
Views: 1699

Re: Switch to auto lease after retirement?

Ha! My last two cars have lasted 14 years and 16 years. Beats the lease everytime!
by UpperNwGuy
Fri Aug 17, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28918

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

jibantik wrote:
Fri Aug 17, 2018 5:58 pm
I am sorry, but I have a heck of a time calling someone a Boglehead if they do not hold any international equities, ESPECIALLY when the decision is made based on past performance. We need a purge :twisted: :P
For the record, I hold 25% international equities.
by UpperNwGuy
Fri Aug 17, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28918

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

"... the future of Int'l certainly seems bright." It doesn't seem very bright to me. Case in point: this past week's declines of international funds after the US announced new economic sanctions on Turkey, causing a 20% devaluation of the Turkish currency, causing problems for Northern European ban...
by UpperNwGuy
Fri Aug 17, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 22
Views: 2942

Re: Total Stock and Total Bond Market(s) at Vanguard

I am very pleased with Vanguard's Total Stock and Total Bond index funds. I see no reason to tilt.
by UpperNwGuy
Fri Aug 17, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 1523

Re: Small cap tilt - value vs. growth

Thanks! You guys have successfully reconfirmed my inclination to avoid tilting towards small cap, small cap growth, or small cap value. I’ll stick to the Total Stock Market Index Fund.
by UpperNwGuy
Fri Aug 17, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 24
Views: 1303

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

For a scotch drinker, I like Lagavulin 16. I think this would be around your price point. Ok, sorry to be rude, but this is exactly the type of gift that has a high potential of backfiring. Lagavulin 16 has distinct notes of iodine and smoke, and only some Scotch drinkers like it. The others hate i...
by UpperNwGuy
Fri Aug 17, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 24
Views: 1303

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

Unless you already know what he likes, don't give him booze. My father has a cabinet of high end booze that people have given him, but he doesn't like it, so he now discreetly gives it away to people who do.
by UpperNwGuy
Fri Aug 17, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 1523

Re: Small cap tilt - value vs. growth

Why do the tilters favor value over growth? Seems like growth has done better recently. (I am not a tilter nor considering tilting, just curious.)
by UpperNwGuy
Fri Aug 17, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3988

Re: Vanguard Switch to Brokerage Accounts

Thank you, WanderingInvestor, for putting this whole issue into perspective.
by UpperNwGuy
Thu Aug 16, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 100
Views: 4709

Re: Take auto loan 0.9% if I can afford cash?

Why do so many people on this forum hate debt? I have had no debt since retiring five years ago, but I will need to replace my car soon, and the math indicates that a car loan would save me money over the period of the loan if the CD rate is higher than the loan rate. Seems like the loan is the resp...
by UpperNwGuy
Thu Aug 16, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28918

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

It’s convinced me that people with different investment timelines do and should have different opinions on this particular subject. I wouldn’t hesitate to have VT as my line stock holding, if I were 30. I am most certainly not 30. Why does age make a difference in holding international equities? Be...
by UpperNwGuy
Wed Aug 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4323

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: 846

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: 4569

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: 1758

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: 2420

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: 1063

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: 3950

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: 1683

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: 2373

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: 239
Views: 19669

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: 239
Views: 19669

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: 6928

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: 77
Views: 4731

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: 9599

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: 9753

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: 115
Views: 7529

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: 23
Views: 4404

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: 4091

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: 115
Views: 7529

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: 9753

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: 5012

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: 6180

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: 9753

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: 7671

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: 2162

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: 2061

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: 7671

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: 630

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: 1602

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: 239
Views: 19669

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: 641
Views: 54589

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?