Search found 525 matches

by UpperNwGuy
Sat Jun 23, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding international
Replies: 6
Views: 328

Re: Thinking about adding international

Sell the NAESX and buy the VGTSX.
by UpperNwGuy
Fri Jun 22, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 26
Views: 1955

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

Okay I'm envious that ITOT and SPTM and SCHB are all rocking 3 basis points expense ratio. Why isn't Vanguard doing anything to lower it's VTI and VOO to 3 basis points? I'm sure it can easily do that but why is it doing nothing to put its expense ratio on par? How much money would you personally s...
by UpperNwGuy
Fri Jun 22, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 5
Views: 341

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

I hold Total Stock at both Vanguard and Schwab. I like being diversified across two brokerages. I'm pleased with both. I wouldn't consolidate.
by UpperNwGuy
Fri Jun 22, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: New ETF portfolio
Replies: 4
Views: 179

Re: New ETF portfolio

I would delete the REIT allocation and add it to Total Stock as well as make the other changes suggested by the previous comment.
by UpperNwGuy
Fri Jun 22, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1443

Re: What do you include in your grocery budget?

If I buy it at a grocery store, I budget it under groceries. That includes paper towels, cleaning products, wine, and over the counter meds. Prescription meds, however, go under medical.
by UpperNwGuy
Fri Jun 22, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 70
Views: 4017

Re: Factor Investing Makes Someone Money, But Maybe Not You

Why did you pick 2002 as your starting point?
by UpperNwGuy
Thu Jun 21, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 63
Views: 5597

Re: Do you invest in Real Estate ? Why ?

Folks, 1. Do you invest in Real Estate ? 2. If yes, Why do you invest ? Cash Flow vs 3-Fund-Portfolio ? 3. If not, Why not ? I'll appreciate if you please share any real experiences; My Financial Advisor advised me to consider Real Estate investments for Cash Flow diversification. 1. I do not inves...
by UpperNwGuy
Thu Jun 21, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 56
Views: 2366

Re: Does an IPS really need to be 5 pages long to be valuable?

I keep mine as a Note in my iPhone. It would fit on a 3x5 card.
by UpperNwGuy
Thu Jun 21, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: what to do with my heavy cash position
Replies: 8
Views: 579

Re: what to do with my heavy cash position

Vanguard Prime Money Market Fund.
by UpperNwGuy
Wed Jun 20, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 55
Views: 3527

Re: "distilled" water for wife's CPAP machine

I stopped using humidifier, and I discovered that it took two nights to adjust without it. Sure, in the beginning, my throat was a little bit dry. Less maintenance for me, and fewer things to buy. @UpperNWGuy, ask your wife if she is willing to try not using humidifier, if that works, that is great...
by UpperNwGuy
Wed Jun 20, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3160

Re: What will (or would) you tip when wages go up?

I live in Washington DC and voted in yesterday's primary election. There's a lot of emotion and misinformation on both sides of this issue, so I would hope that any responses are civil and carefully phrased. This topic could easily degenerate into a political discussion.
by UpperNwGuy
Wed Jun 20, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 55
Views: 3527

Re: "distilled" water for wife's CPAP machine

I am honestly dumbfounded that someone would ask this about something that costs a few pennies a day. You and me, both. I don't even know how the cost of distilled water for a CPAP machine would even hit the radar for a cost savings mechansim and enough so to post on a financial/investing forum. Ta...
by UpperNwGuy
Wed Jun 20, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 29312

Re: Why pay cash for a car?

I have paid cash for cars, and I have taken out car loans for cars. I fail to see how it makes much of a difference either way, but some people here sure do have some strong feelings on this topic.
by UpperNwGuy
Wed Jun 20, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1910

Re: Storing Sustenance for Disasters

I do not keep emergency food supplies, and I never have done so.
by UpperNwGuy
Wed Jun 20, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 144
Views: 39453

Re: Is the first 100k really the hardest?

Topic-starter mentioned that he reached $100.000 in investments before reaching a $100.000 net worth. I'm a Dave Ramsey-fan and balk at the idea. Am I alone in that? I thought an emergency fund is common practice here? I don't have an emergency fund. Many here do, but I wouldn't categorize it as "c...
by UpperNwGuy
Wed Jun 20, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 18
Views: 3517

Re: Vanguard Prime Fund Yield reached 1.99% today

student wrote:
Wed Jun 20, 2018 5:58 am
Thanks for the info. The question I have is how much more will the rate be more than an FDIC insured account in order for someone to consider switching. To me, it is at least 0.5%.
How did you compute the 0.5% figure? Why not 0.3% or perhaps a higher figure?
by UpperNwGuy
Mon Jun 18, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 55
Views: 3527

Re: "distilled" water for wife's CPAP machine

Very bad idea! Only use real distilled water. Why do you want to save money on such an inexpensive item?
by UpperNwGuy
Mon Jun 18, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 78
Views: 3303

Re: Road trip Pennsylvania,Maryland,and DC

I would fly into either Philly or BWI for easy access to the Amish country, Gettysburg, and Hershey. Philly will get you closer to New Hope and to the Brandywine Valley. (I don’t recommend Dulles Airport as it will add an extra hour to your road trip north into Pennsylvania.)
by UpperNwGuy
Mon Jun 18, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1008

Re: successful chase sapphire paid auto claim with rental abroad

Glad to hear these good news stories. I’ve had the CSR since its inception, but not yet had to use those features.
by UpperNwGuy
Mon Jun 18, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's 8:4:5:3 ratio
Replies: 21
Views: 2656

Re: Bill Bernstein's 8:4:5:3 ratio

Converting his ratio to percentages, he is recommending 25% of stocks go to international. Nothing unusual about that. The recommendation that 15% go to real estate is more controversial. The small cap tilt on US equities is not unusual either, although many of us don't think it helps.
by UpperNwGuy
Mon Jun 18, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Excusing Active’s Failures
Replies: 1
Views: 223

Re: Larry Swedroe: Excusing Active’s Failures

Excellent article! Thanks for posting it. It would be interesting to see, with 20/20 hindsight, if an active manager could have predicted the membership of the best performers list and the worst performers list before the year began.
by UpperNwGuy
Mon Jun 18, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 32
Views: 2095

Re: Is individual Bonds better than Bond Fund?

My two cents: 1. Suze Orman is discounting the fact that the bond funds hold bonds that each have a maturity date, so holding a fund is no different than an individual investor holding a bunch of bonds with different maturity dates. 2. Individual bonds have much greater risk than do the bond funds. ...
by UpperNwGuy
Mon Jun 18, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications of holding Wellesley Emergency in taxable
Replies: 8
Views: 841

Re: Tax implications of holding Wellesley Emergency in taxable

You have to have income from sources other than a pension and interest/dividends and be under age 70.
by UpperNwGuy
Mon Jun 18, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Tax implications of holding Wellesley Emergency in taxable
Replies: 8
Views: 841

Re: Tax implications of holding Wellesley Emergency in taxable

When you say "These are the only two funds I have" it appears that you do not have any tax advantaged accounts, since you note that both of these holdings are in a taxable account. So you are saving $2,500 per month, but in a taxable account? I suggest putting that monthly investment in a tax-shelt...
by UpperNwGuy
Mon Jun 18, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio
Replies: 11
Views: 885

Re: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio

Total Stock (VTSAX), Total International (VTIAX), and Total Bond (VBTLX) are the only funds I have, but I am not satisfied with their performance. Do you have any other favorite fund you recommend? Also, if I decide to add another fund, when do you think is the best time to add it? should I wait un...
by UpperNwGuy
Sun Jun 17, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 117
Views: 9103

Re: How much (green) cash at home for emergency ?

I keep from $100 to $400 in cash. When the amount drops below $100, I replenish it with $300 from the ATM, and that's about once every six weeks. I can't think why I would need more cash, even in an emergency. I rarely use cash.
by UpperNwGuy
Sun Jun 17, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38156

Re: What's your U.S. : International ratio?

90% US 10% int International just drags a VTSAX portfolio down Is that what your crystal ball's prediction is? I don't think the statement was intended to be a crystal ball prediction. I suspect it was simply a statement of fact about the recent past. (Disclaimer: 30% of my equities are internation...
by UpperNwGuy
Sun Jun 17, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1719

Re: Schwab Independent Franchise

Schwab has independent franchises??? When did that start? Is an independent franchise a person or an entire brick-and-mortar office? I recently opened an account with Schwab, but I sure don't want to deal with any independent franchises.
by UpperNwGuy
Sun Jun 17, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38156

Re: What's your U.S. : International ratio?

90% US 10% int International just drags a VTSAX portfolio down Is that what your crystal ball's prediction is? I don't think the statement was intended to be a crystal ball prediction. I suspect it was simply a statement of fact about the recent past. (Disclaimer: 30% of my equities are internation...
by UpperNwGuy
Sun Jun 17, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4149

Re: Are Bogleheads smarter than the bond market?

I'm sticking with my current mix of Total Bond and Intermediate-Term Tax-Exempt. just curious, what's your mix? I'm mostly Intermediate-Term Tax-Exempt but was considering adding Total Bond in my taxable for diversification as my tax bracket dropped to 24%. Thanks! I'm at a 50/50 mix. I'm in the 24...
by UpperNwGuy
Sun Jun 17, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7487

Re: Which Supermarket are you?

All my produce and much of my meat comes from my neighborhood farmers markets. I occasionally go to Whole Foods, Giant Food, and Safeway for things I can't get at the farmers markets. I like my food to be very fresh, and pesticide free. I like my meat and eggs to come from pastured animals. I dislik...
by UpperNwGuy
Sun Jun 17, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4151

Re: Do you cancel old credit cards?

About a year ago I closed all 5 of my store/gas cards and 4 of my general purpose cards, going from 15 open accounts to 6. Since then I have added one card. My plan is to drop from 7 to 5 cards soon.
by UpperNwGuy
Sun Jun 17, 2018 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4033

Re: Tracking spending before retirement useful for estimating retirement expenses?

About a year before I retired, I created a spreadsheet with two columns: (1) actual pre-retirement monthly income and expenses and (2) estimated post-retirement monthly income and expenses. After retiring, I learned that some of my assumptions about retirement were a bit off, so my monthly budget co...
by UpperNwGuy
Sun Jun 17, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4149

Re: Are Bogleheads smarter than the bond market?

I'm sticking with my current mix of Total Bond and Intermediate-Term Tax-Exempt.
by UpperNwGuy
Sun Jun 17, 2018 4:55 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2534

Re: When is the June ex-dividend date for VTSAX

..... It’s just an automated investment timed for every paycheck. I’m in the 35% federal bracket + 9+% state so my marginal ends up being close to 45%. .... Must be California. I find it particularly grating to hear politician talk about how the rich need to pay their fair share, and it makes me ma...
by UpperNwGuy
Sat Jun 16, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: VCAIX - shorter term alternatives?
Replies: 4
Views: 404

Re: VCAIX - shorter term alternatives?

Why do you want to move from an intermediate-term to a short-term bond fund? Do you need the funds sooner than you originally planned?
by UpperNwGuy
Sat Jun 16, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 4939

Re: What are your hobbies?

— reading
— classical music
— fountain pens
— cooking
— walking
— European travel
by UpperNwGuy
Sat Jun 16, 2018 4:43 am
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 611

Re: VEVFX

VEVFX is Vanguard Explorer Value Fund Investor Shares for those of us who were wondering. I had to google it. I wish the OP had provided this information.
by UpperNwGuy
Fri Jun 15, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11163

Re: Which boglehead rule do you break--and are ok with

The only two rules I break are:
— I hold the Vanguard Total Bond Index Fund in taxable.
— I check my portfolio every evening (except weekends).
by UpperNwGuy
Fri Jun 15, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash strategies during rising rates
Replies: 4
Views: 537

Re: Cash strategies during rising rates

I would buy a short-term treasury bond or municipal bond fund, recognizing that there is an element of risk.
by UpperNwGuy
Thu Jun 14, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1296

Re: Anyone buying Individual Short Term Treasuries?

No individual short term treasuries for me. I'm continuing to buy Vanguard Total Bond Index Fund and Vanguard Intermediate-Term Tax-Exempt Fund. My time horizon is 20 years, so I stick to intermediate term bonds.
by UpperNwGuy
Thu Jun 14, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2694

Re: Vanguard or Charles Schwab account

I have accounts at both and think either one would be a fine choice for index fund investing.
by UpperNwGuy
Thu Jun 14, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16512

Re: Life in retirement - what did you do today?

— went to the dentist
— put chicken in the crock pot for supper
— got a haircut
— went to the grocery store
— took a nap
— now getting ready to take a 3-4 mile walk

Retirement rocks!
by UpperNwGuy
Thu Jun 14, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 4710

Re: Living Abroad - Who's done it?

I am retired and have thought often about moving to Spain. What’s holding me back are: a 96 year old father, two young grandchildren, Medicare not being available abroad, and the bureaucratic hassles of getting established in a new country.
by UpperNwGuy
Thu Jun 14, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1587

Re: Any problem opening fund "Investor", then building to "Admiral"?

Why not just buy ETF and keep it ? There are many funds with no etf class, but if so, no reason to go with investor or admiral. ETFs require dealing with spreads, whole shares only, limit orders, market orders, premiums, discounts, etc. Mutual funds are simple to buy and sell. Just enter the dollar...
by UpperNwGuy
Thu Jun 14, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16122

Re: Should I take possession of a certified mail?

OP, did you get the letter yet? What did it say?
by UpperNwGuy
Thu Jun 14, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1587

Re: Any problem opening fund "Investor", then building to "Admiral"?

Some forum members have reported here that Vanguard has unilaterally changed the cost basis of their shares from SpecID to Average Cost as part of the conversion from Investor Shares to Admiral Shares, and it has been a bit of a chore to convince Vanguard to restore the shares to SpecID. Watch that ...
by UpperNwGuy
Sun Jun 10, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3222

Re: Best banks for checking accounts?

The ideal bank should have: — free checking — free ATM withdrawals — a local branch near where you live or work Everything else is just icing on the cake. You forgot 2FA. I've looked at most (if not all) of the B&M banks in my town, none of them offer 2FA on checking accounts. Until two-factor auth...
by UpperNwGuy
Sun Jun 10, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Any Re-org Advice
Replies: 3
Views: 471

Re: Any Re-org Advice

No matter where you work, if the organization is large, it will be reorganized multiple times during your career. Many people's careers are given a quick boost by a reorg. Others suffer. This is a situation where a good mentor from within the company could help you.