Search found 1477 matches

by UpperNwGuy
Wed Jan 23, 2019 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Schwab does not allow specific tax lots to be selected online when selling mutual funds
Replies: 10
Views: 454

Re: Schwab does not allow specific tax lots to be selected online when selling mutual funds

Yes, for a Fidelity brokerage account you can set the Cost Basis method to Specific Identification and identify specific lots when selling. No need to call. Thanks. That means Fidelity and Vanguard are a superior options over Schwab for buying and selling mutual funds in a non-tax advantaged accoun...
by UpperNwGuy
Wed Jan 23, 2019 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 72
Views: 12316

Re: Merrill Edge best choice for higher net worth accounts?

michaeljmroger wrote:
Wed Jan 23, 2019 1:30 am
BofA is literally the worst bank I’ve ever dealt with. I’m surprised so many people seem peaceful with it here.
+1 However, I think Wells Fargo is equally bad.
by UpperNwGuy
Wed Jan 23, 2019 7:28 am
Forum: Investing - Help with Personal Investments
Topic: High-Yield Corporate Fund Investor Shares - VWEHX
Replies: 3
Views: 93

Re: High-Yield Corporate Fund Investor Shares - VWEHX

The risk. The bonds in this fund have lower credit quality than other corporate bond funds. Did you read the prospectus? I read it, guess I don't understand "the risk" part fully. Its rated a 3. Total Bond is at 2, so looks like only slightly riskier. While total stock market is a 4, so slightly sa...
by UpperNwGuy
Wed Jan 23, 2019 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Schwab does not allow specific tax lots to be selected online when selling mutual funds
Replies: 10
Views: 454

Re: Schwab does not allow specific tax lots to be selected online when selling mutual funds

Hmmm... Schwab let me change without submitting a form, but I changed only a couple of weeks after buying my first tax lot.
by UpperNwGuy
Wed Jan 23, 2019 7:21 am
Forum: Investing - Help with Personal Investments
Topic: ETF choice for short term cash
Replies: 3
Views: 137

Re: ETF choice for short term cash

HappyJack wrote:
Wed Jan 23, 2019 6:41 am
Any suggestions for a short term ETF for cash. I need to keep the AUM in a Merrill Edge account, so Ally and other vehicles are not suitable. Thanks.
Is this about retaining status at Bank of America so you can get better credit card rewards?
by UpperNwGuy
Wed Jan 23, 2019 7:16 am
Forum: Investing - Help with Personal Investments
Topic: High-Yield Corporate Fund Investor Shares - VWEHX
Replies: 3
Views: 93

Re: High-Yield Corporate Fund Investor Shares - VWEHX

The risk. The bonds in this fund have lower credit quality than other corporate bond funds. Did you read the prospectus?
by UpperNwGuy
Wed Jan 23, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Regret taking a new job
Replies: 12
Views: 1816

Re: Regret taking a new job

While waiting for access to the work on the contact I was hired for What does this mean? Has your new employer hired you in anticipation of winning a contract that is still in competition? Or is it a contract that requires the workforce to have a security clearance that you don't yet have? In eithe...
by UpperNwGuy
Tue Jan 22, 2019 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Altering the Three-Fund Portfolio
Replies: 20
Views: 1398

Re: Altering the Three-Fund Portfolio

We are heavily weighted in taxable. Until early last year, we had very heavy exposure to munis. We then spent time (and $) working with an excellent hourly FA who recommended that we take off some (actually most) of the muni exposure and move it into BND and CDs. Rationale was that while there are ...
by UpperNwGuy
Tue Jan 22, 2019 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand why I need bonds
Replies: 19
Views: 1286

Re: Help me understand why I need bonds

Some people use their stock/bond portfolio as their emergency fund, and that's an option, but they have much higher bond allocations than 80:20. If your allocation is 80:20, then you'd better have a separate emergency fund outside your stock/bond portfolio.
by UpperNwGuy
Mon Jan 21, 2019 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Savings
Replies: 24
Views: 1915

Re: Emergency Savings

Vanguard Prime Money Market Fund is the best solution.
by UpperNwGuy
Mon Jan 21, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 50
Views: 4082

Re: One Fund to Rule Them All

I like the way your daughter thinks. Her plan is not a whole lot different from what many Bogleheads already do.
by UpperNwGuy
Mon Jan 21, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 43
Views: 3070

Re: Where to buy CR2032 batteries?

I live in walking distance of four CVS stores. All four have these batteries. So does my neighborhood Ace Hardware. No need to shop online for this kind of stuff.
by UpperNwGuy
Mon Jan 21, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 69
Views: 9849

Re: Fidelity Rewards Visa Card

I realize that some of us like to consolidate all of their financial activities into a single institution, but the sad truth is that the credit cards offered by Fidelity and Schwab are simply not the best available. In Fidelity's case, the frequent shutdowns for possible credit card fraud are the pr...
by UpperNwGuy
Mon Jan 21, 2019 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: selecting investment firm
Replies: 20
Views: 1008

Re: selecting investment firm

I would stay with Schwab.
by UpperNwGuy
Mon Jan 21, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a condo in Bethesda/DC area, am I there yet?
Replies: 12
Views: 1296

Re: Buy a condo in Bethesda/DC area, am I there yet?

Are you sure about your choice of condos? $159,000 is definitely the low end for a one bedroom condo in Bethesda or North Bethesda. I'm guessing it's in an older building that is relatively small in size. This increases the risk that something major could go wrong (new roof, new elevator, etc), and ...
by UpperNwGuy
Mon Jan 21, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1516

Re: Federal Workers

I feel for the "essential" personnel, they'll all be paid eventually, but the "essential" ones will be working regardless while many of their deemed less "essential" cohorts will get paid while not having to work. +100 Dont know why all of them are not forced to work since they will be paid anyway....
by UpperNwGuy
Mon Jan 21, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1516

Re: Federal Workers

For the life of me, I am unable to understand why these employees have not saved money for emergencies. Living pay check to pay check has always been frowned upon by knowledgeable investment advisers. At least 3 months is usually recommended in liquid assets. I am aware of several federal workers w...
by UpperNwGuy
Mon Jan 21, 2019 9:15 am
Forum: Investing - Theory, News & General
Topic: Why brokers don’t support auto invest ETF, but can do it with dividends.
Replies: 16
Views: 1369

Re: Why brokers don’t support auto invest ETF, but can do it with dividends.

I've been wondering about this question, too. I look forward to the responses of some of our ETF experts.
by UpperNwGuy
Mon Jan 21, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating risk of home value dropping: how much riskier is single home vs housing market?
Replies: 18
Views: 1463

Re: Evaluating risk of home value dropping: how much riskier is single home vs housing market?

Owning a single family dwelling has an element of risk. The house I sold in 2001 was sold again in 2004 at a higher price, but since then its value has gone down. Why? The demographics of the neighborhood changed rapidly in the late 2000s. Multiple families began living in houses designed for single...
by UpperNwGuy
Mon Jan 21, 2019 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for large part of Bond allocation smart?
Replies: 20
Views: 1749

Re: Muni Bonds for large part of Bond allocation smart?

I agree with carolinaman: you're fine now, but if you move your HYD to MUB, you'll be even finer. About 25% of my taxable account is in a municipal bond fund, and I'm quite happy.
by UpperNwGuy
Mon Jan 21, 2019 8:47 am
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 43
Views: 2202

Re: For those with both Vanguard and Schwab

I have accounts at both Vanguard and Schwab and have no desire to consolidate. I especially like the Investor Checking at Schwab because I do a lot of international travel. You don't have to invest with Schwab to enjoy the benefits of this excellent checking account. I know that, but I prefer their...
by UpperNwGuy
Mon Jan 21, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 1675

Re: Questions about Fidelity

Sounds to me that OP has an unusual pattern of debit card use based on a strong preference for transactions to liquidate immediately. If you're going to operate that way, and few of us do anymore (we use credit cards and pay them off once a month), you really need to keep a large cash reserve in the...
by UpperNwGuy
Sun Jan 20, 2019 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 43
Views: 2202

Re: For those with both Vanguard and Schwab

I have accounts at both Vanguard and Schwab and have no desire to consolidate. I especially like the Investor Checking at Schwab because I do a lot of international travel.
by UpperNwGuy
Sun Jan 20, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 80
Views: 9326

Re: Who's flying?

TSA absenteeism forced BWI to shut down a security checkpoint yesterday. Seems like the security checkpoint closures are somewhat unpredictable at this point. One thing to keep in mind is that TSA employees will miss a second paycheck in five days.
by UpperNwGuy
Sun Jan 20, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3693

Re: 2019 Camry vs RAV4

The Subaru Outback is essentially a raised tarted up Legacy wagon. They raise it and add some plastic cladding, but it is based on the Legacy. Worth a look, IMO, Compared to the Rav4 and CRV. Why do you recommend comparing the Outback to the RAV4 and CRV when the Forester is the Subaru vehicle most...
by UpperNwGuy
Sun Jan 20, 2019 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale
Replies: 15
Views: 1115

Re: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale

It sounds to me that OP ought not to tax loss harvest because tax loss harvesting inherently involves either (a) staying out of the market for 61 days or (b) investing in different funds for 61 days. OP doesn't want to do either of these two things.
by UpperNwGuy
Sun Jan 20, 2019 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bond index in Roth or Munis in taxable
Replies: 5
Views: 374

Re: Bond index in Roth or Munis in taxable

I vote for the municipal bond fund, too.
by UpperNwGuy
Sun Jan 20, 2019 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Any mutual fund or group of stocks which pay dividends
Replies: 10
Views: 848

Re: Any mutual fund or group of stocks which pay dividends

New to investing. Correct me if I'm wrong. Some individual stocks pay dividends. Mutual fund is a group of stocks. Are there any mutual funds(not sure if this is right term) which hold ONLY stocks which pay dividends ? Thanks Why do you care about that? I look for mutual funds that do not pay large...
by UpperNwGuy
Sun Jan 20, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: Spreading 3 fund portfolio across brokers?
Replies: 15
Views: 754

Re: Spreading 3 fund portfolio across brokers?

I have a full three fund portfolio at Vanguard, and additional Total Stock holdings at Schwab. Works for me.
by UpperNwGuy
Sun Jan 20, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6515

Re: Grocery shopping strategy

My groceries come from a mixture of farmers markets (from April to November), Whole Foods, Safeway, and several neighborhood specialty stores. Yes, it's similar to holding individual stocks (which I would never do), but it works for me. All of them are within one mile from home, and I know which pro...
by UpperNwGuy
Sun Jan 20, 2019 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing
Replies: 9
Views: 574

Re: High Yield vs Inter-Term Tax Exempt - Considering Rebalancing

If you go back and carefully read OP's post, it is about High Yield Tax Exempt, not about High Yield corporate. Some of the responses seem to have missed this fact.
by UpperNwGuy
Sun Jan 20, 2019 4:44 am
Forum: Investing - Help with Personal Investments
Topic: Need help with my 10% cash just sitting there.
Replies: 10
Views: 1277

Re: Need help with my 10% cash just sitting there.

I would put half into the municipal bond funds and the other half into the large cap fund.
by UpperNwGuy
Sat Jan 19, 2019 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 755

Re: Bonds In Taxable Account

IN the two fund portfolio, I have 50% in Total Stock Portfolio. Would you put the balance in a Muni Fund? Yes, if you are in a mid or high tax bracket, you should use a municipal bond fund if you need to hold bonds in a taxable account. Many of us use the Vanguard Intermediate-Term Tax-Exempt Bond ...
by UpperNwGuy
Sat Jan 19, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 24
Views: 2322

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Favorite brand is Coles sardines, particularly the 'petite sardines' kind. Try some smoked Riga sprats too Wild Planet Mackerel from Morocco King Oscar's in tomato sauce. I am interested in the stores where you buy these. I did a search for 'Coles' Is that the Coles supermarket chain in Australia? ...
by UpperNwGuy
Sat Jan 19, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity muni money market fund yields cratering...?
Replies: 9
Views: 1205

Re: Fidelity muni money market fund yields cratering...?

I've never understood why the yields of muni money market funds are so variable whereas the yields of muni bond funds are much less so.
by UpperNwGuy
Sat Jan 19, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 60
Views: 4823

Re: Recommendations for home paper shredder

I recommend Fellowes brand shredders.
by UpperNwGuy
Sat Jan 19, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3170

Re: Car reviews - Consumer Reports or other sources?

Here is an interesting website to see what the complaints are for cars: https://www.carcomplaints.com Cool! TOP COMMON COMPLAINTS 1. 2008 Honda Accord - premature brake wear 2. 2004 Ford Explorer - cracked panel below the rear window 3. 2001 Honda Civic - transmission failure 4. 2002 Ford Explorer ...
by UpperNwGuy
Fri Jan 18, 2019 1:04 pm
Forum: Investing - Theory, News & General
Topic: If Everyone Did The 3 Fund Vanguard Strategy, Would Vanguard Be Controlling US Companies?
Replies: 10
Views: 1424

Re: If Everyone Did The 3 Fund Vanguard Strategy, Would Vanguard Be Controlling US Companies?

Somebody asks this same question every two or three months. I often suspect they’ve been listening to a broker’s sales pitch on why they should buy his high-cost actively-managed funds with a sales commission.
by UpperNwGuy
Fri Jan 18, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: TLH - trade date vs. settlement date
Replies: 6
Views: 140

Re: TLH - trade date vs. settlement date

How does your Dec 31, 2018 statement portray it?
by UpperNwGuy
Fri Jan 18, 2019 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check on investments
Replies: 4
Views: 463

Re: Sanity check on investments

Looks good to me!
by UpperNwGuy
Fri Jan 18, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3008

Re: How do you keep a calendar?

I've been using Apple's calendar for my personal life since 2008. I can input appointments on my Mac, my iPhone, or my iPad, and they show up on all three devices. I had a disagreement with a medical provider recently about when a previous medical study had taken place, so I pulled up the Apple cale...
by UpperNwGuy
Thu Jan 17, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10469

Re: Who Will Speak for US?

Rick Ferri.
by UpperNwGuy
Thu Jan 17, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1561

Re: Fidelity app now has fingerprint login

My IT experts tell me that using a mobile app is more secure over the cellular network than over a wifi network.
by UpperNwGuy
Wed Jan 16, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3214

Re: Zelle Fraud? But how? What now?

Real time is risky. Vanguard told me on the phone a year or so ago that some of their processes, such as verifying a customer's new bank account, are intentionally slow because the time lag increases the likelihood that fraud will be discovered before it is too late.
by UpperNwGuy
Wed Jan 16, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 24
Views: 2322

Re: Wild Planet Sardines quality problem [Review of sardine brands]

I buy sardines from Spain, Portugal, and Morocco. I find I like them better than the ones from the Pacific. The only Wild Planet product I buy is the canned sockeye salmon.
by UpperNwGuy
Wed Jan 16, 2019 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: stuck forever in alternative funds after tax loss harvesting?
Replies: 12
Views: 635

Re: stuck forever in alternative funds after tax loss harvesting?

I, for one, hope that you are indeed stuck forever in SCHB, because that will mean that SCHB is doing well, and that's good for me.
by UpperNwGuy
Wed Jan 16, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3214

Re: Zelle Fraud? But how? What now?

Sounds risky to me.
by UpperNwGuy
Wed Jan 16, 2019 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7945

Re: 100% in VTSAX - Is it crazy???

If I had to invest in only one fund, it would be VTSAX. However, I prefer a three fund portfolio.
by UpperNwGuy
Wed Jan 16, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3214

Re: Zelle Fraud? But how? What now?

Excuse my ignorance, but what is Zelle?
by UpperNwGuy
Wed Jan 16, 2019 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16108

Re: Why are your NOT buying rental properties?

I am not willing to hustle. I am a terrible negotiator and always end up paying too much for houses and cars. I am helpless when faced with simple plumbing, electrical, mechanical, and other home maintenance tasks. In summary, I am ill-suited to own rental properties.