Search found 5659 matches

by UpperNwGuy
Tue Jul 27, 2021 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep pre-marital assets separate, while still contributing?
Replies: 53
Views: 3136

Re: How to keep pre-marital assets separate, while still contributing?

You need to be putting these questions to a lawyer from your state, not to a bunch of strangers on the internet. I don't think this is fair. This statement could be made for nearly every post on here. While I agree that in this instance a professional opinion is warranted, opinions from strangers o...
by UpperNwGuy
Tue Jul 27, 2021 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep pre-marital assets separate, while still contributing?
Replies: 53
Views: 3136

Re: How to keep pre-marital assets separate, while still contributing?

You need to be putting these questions to a lawyer from your state, not to a bunch of strangers on the internet.
by UpperNwGuy
Tue Jul 27, 2021 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Retention Bonuses
Replies: 20
Views: 2959

Re: Vanguard Retention Bonuses

I am not using PAS, I asked VG for a retention bonus, they said no. I moved to Schwab who matched etrade's bonus. Schwab won't let me same-day exchange one fund for another. Boo hoo. Some other brokerages do. How long do you have to stay at Schwab to keep the bonus? That's a good question. Nothing ...
by UpperNwGuy
Tue Jul 27, 2021 5:40 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 87
Views: 5950

Re: Thinking of Dropping Out of International Stock Funds

U.S. small cap value stocks have destroyed U.S. total market stocks for the last 50 years so why aren't you all-in on small cap value? Tell us how badly they've beaten US Total Stock Market over the last 15 years. 3.22% over 50 years. So, $10,000 invested in 1972 in small cap value would be worth $...
by UpperNwGuy
Tue Jul 27, 2021 2:08 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 87
Views: 5950

Re: Thinking of Dropping Out of International Stock Funds

U.S. small cap value stocks have destroyed U.S. total market stocks for the last 50 years so why aren't you all-in on small cap value? Tell us how badly they've beaten US Total Stock Market over the last 15 years. 3.22% over 50 years. So, $10,000 invested in 1972 in small cap value would be worth $...
by UpperNwGuy
Tue Jul 27, 2021 1:39 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 87
Views: 5950

Re: Thinking of Dropping Out of International Stock Funds

burritoLover wrote: Tue Jul 27, 2021 12:21 pm U.S. small cap value stocks have destroyed U.S. total market stocks for the last 50 years so why aren't you all-in on small cap value?
Tell us how badly they've beaten US Total Stock Market over the last 15 years.
by UpperNwGuy
Tue Jul 27, 2021 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Not All ATM Fees Are Reimbursed By Fidelity (Problem Resolved)
Replies: 32
Views: 2160

Re: Not All ATM Fees Are Reimbursed By Fidelity...

PURCHASE" got recategorized as "CASH ADVANCE ATM" on Sunday, and then I saw the ATM rebate last night! Apparently I just needed to have waited and the customer service rep. I spoke with didn't know that it could a few days the first time a customer incurs and ATM fee. You may want to...
by UpperNwGuy
Tue Jul 27, 2021 12:55 pm
Forum: Investing - Theory, News & General
Topic: Any concern about China?
Replies: 86
Views: 4719

Re: Any concern about China?

Vanguard's Emerging Markets Stock Index Fund (VEMAX) is 40.2% China. In recent months a lot of bogleheads have expressed a preference for VEMAX over the all-inclusive Vanguard Total International Stock Index Fund (VTIAX). A few days ago we had a thread in which the OP wondered why anyone would hold ...
by UpperNwGuy
Tue Jul 27, 2021 9:09 am
Forum: Personal Investments
Topic: Schwab question - MF, same-day exchanges?
Replies: 24
Views: 1056

Re: Schwab question - MF, same-day exchanges?

Perhaps the issue is that the funds used are not Schwab mutual funds. Instead they are "out-of-house" Vanguard funds. I am unaware of any brokerage that allows same day exchanges of non-house funds and that includes Vanguard. Someone will set me straight if I have this wrong. (I consider ...
by UpperNwGuy
Tue Jul 27, 2021 9:03 am
Forum: Personal Investments
Topic: Best Cash Accounts
Replies: 5
Views: 888

Re: Best Cash Accounts

Just put it into a short term bond fund, but don't expect to make any money from it. If you want to make money, stop holding back and dump it all into the stock market. You can't have it both ways. Safety and earnings are two different paths. You're at the fork in the road.
by UpperNwGuy
Tue Jul 27, 2021 6:28 am
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings or Checking
Replies: 13
Views: 1277

Re: High Yield Savings or Checking

jaykrew6311 wrote: Mon Jul 26, 2021 6:25 pm Any reason no one mentioning hm bradley? They give you 3% return if you just save 20% of what you put in. I'm using them and it bothers me that more people aren't talking about this lol.
Are they FDIC insured?
by UpperNwGuy
Tue Jul 27, 2021 6:22 am
Forum: Personal Investments
Topic: Vanguard customer service - Experiment with Fidelity to compare
Replies: 48
Views: 3584

Re: Vanguard customer service - Experiment with Fidelity to compare

I have been with Vanguard for 25 years and my 17 year old son has been with them for 10 years. I will never leave Vanguard, I don't invest for customer service. I glad Vanguard doesn't offer a 2% rewards card and charge you 22% if you forget to pay one month. You known they don't charge 22% right a...
by UpperNwGuy
Mon Jul 26, 2021 10:16 pm
Forum: Personal Investments
Topic: VTWAX vs VTSAX/VTIAX in Taxable.
Replies: 47
Views: 2809

Re: VTWAX vs VTSAX/VTIAX in Taxable.

I think I'll go with VTWAX. What do I want? Global market cap equities. Is there a fund for that? Yes? Ok, let's do that one. Not sure why you bothered to start the thread if the answer is that easy for you to arrive at. As for me... What do I want? 20% international. Is there a fund for that? No! ...
by UpperNwGuy
Mon Jul 26, 2021 10:06 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Systems
Replies: 7
Views: 591

Re: Tax Loss Harvesting Systems

Last year I sold VTSAX and bought VFIAX. If the market has another serious decline, I'll sell VFIAX and buy VTSAX. For international, I sold VTIAX and bought VTMGX. If the market has another serious decline, I'll sell VTMGX and buy VTIAX. No need to have open positions for three funds in each asset ...
by UpperNwGuy
Mon Jul 26, 2021 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 151
Views: 8210

Re: Are Private Universities Worth It Compared to State Universities?

Private universities do not provide a better undergraduate education, but the prestige factor provides a bit of magic in landing a good job after graduation. There's only a handful of schools where that's true though, and I think the only big one in CA would be Stanford, possibly some of the Clarem...
by UpperNwGuy
Mon Jul 26, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 151
Views: 8210

Re: Are Private Universities Worth It Compared to State Universities?

Private universities do not provide a better undergraduate education, but the prestige factor provides a bit of magic in landing a good job after graduation.

I'm a public university guy myself.
by UpperNwGuy
Mon Jul 26, 2021 7:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23816
Views: 3110391

Re: U.S. stocks in free fall

What is the correlation between Chinese stocks and US stocks?
by UpperNwGuy
Mon Jul 26, 2021 6:55 am
Forum: Personal Investments
Topic: 35% cash, nearly 40
Replies: 19
Views: 2518

Re: 35% cash, nearly 40

I just did a large lump sum last month because I felt that was a lower risk course of action than DCA.
by UpperNwGuy
Sun Jul 25, 2021 1:46 pm
Forum: Investing - Theory, News & General
Topic: Do Indexers even need to pay attention to market valuation?
Replies: 166
Views: 14053

Re: Do Indexers even need to pay attention to market valuation?

I think most of us think of market timing in terms of making some kind of change to one's portfolio, not staying the course.
by UpperNwGuy
Sun Jul 25, 2021 1:44 pm
Forum: Personal Investments
Topic: Will Vanguard move funds on your behalf?
Replies: 13
Views: 1014

Re: Will Vanguard move funds on your behalf?

Are you asking if Vanguard will transfer the funds from some other brokerage?
by UpperNwGuy
Sun Jul 25, 2021 1:42 pm
Forum: Personal Investments
Topic: Wellington and Windsor Funds
Replies: 14
Views: 1469

Re: Wellington and Windsor Funds

Rain Check wrote: Sun Jul 25, 2021 12:55 pm Morningstar indicates outflow, some very significant amounts, from both funds over many recent years. Why? I hold Wellington and am considering opening Windsor.
What do you like about these two funds?
by UpperNwGuy
Sun Jul 25, 2021 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Ways to build wealth. How to?
Replies: 33
Views: 3853

Re: Ways to build wealth. How to?

How does one build wealth? I think of it as income and investment. For income, one can do 1) make money as an employee 2) own a small business 3) own a large business 4) own a really large business (like facebook tesla and etc) For investment, one can do 1) invest in the stock market 2) invest in r...
by UpperNwGuy
Sun Jul 25, 2021 6:15 am
Forum: Personal Investments
Topic: VPAS Advisor
Replies: 27
Views: 1878

Re: VPAS Advisor

What are you hoping an advisor will do for you?
by UpperNwGuy
Sun Jul 25, 2021 6:00 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Spark Business Card - Not Working at Gas Stations and Other Miscellaneous Points of Sale
Replies: 7
Views: 604

Re: CapitalOne Spark Business Card - Not Working at Gas Stations and Other Miscellaneous Points of Sale

I've got a CapitalOne Spark Business Card and it doesn't seem to be working at gas stations and other miscellaneous places. Are the "other miscellaneous places" unattended in the same way that pay-at-the-pump is unattended? If so, it might be part of Capital One's fraud prevention algorit...
by UpperNwGuy
Sun Jul 25, 2021 5:55 am
Forum: Personal Consumer Issues
Topic: My homeowners insurance company broke up with me
Replies: 34
Views: 4208

Re: My homeowners insurance company broke up with me

I've never had that happen to me, but I've never submitted a claim against a homeowners policy.
by UpperNwGuy
Sun Jul 25, 2021 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Use credit card at stores instead of debit?
Replies: 150
Views: 9206

Re: Use credit card at stores instead of debit?

My wallet only has credit cards. The debit cards stay in a small box at home. About five or six times a year I put one of the debit cards into my wallet for a trip to the ATM to get cash. When I get home, the debit card goes back into the box. I haven't kept a hard copy check register for nearly twe...
by UpperNwGuy
Sat Jul 24, 2021 7:36 am
Forum: Investing - Theory, News & General
Topic: "Target-Date Deep Dive: Vanguard" by Morningstar
Replies: 55
Views: 5262

Re: "Target-Date Deep Dive: Vanguard" by Morningstar

etfan wrote: Fri Jul 23, 2021 2:19 pm I wish they had a TDF with half the current international allocation.
+1

The 40% allocation to international stocks is what kept me away from these funds when I started investing.
by UpperNwGuy
Sat Jul 24, 2021 7:24 am
Forum: Investing - Theory, News & General
Topic: What is the Point of International Developed Large Cap?
Replies: 35
Views: 2999

Re: What is the Point of International Developed Large Cap?

With the increasing correlation between US and International DM, what is the point of owning international developed large cap? Diversification. The way you've phrased your question confuses me. You seem to equate developed markets with large cap. Developed markets have both large cap and small cap...
by UpperNwGuy
Sat Jul 24, 2021 6:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16781
Views: 1330417

Re: U.S. stocks continue to soar!

HomerJ wrote: Sat Jul 24, 2021 12:06 am Do you really think your international stocks will do well in such an environment? Somehow tilting to international will save you in a 30 year low earnings/high inflation scenario?
When US stocks catch a cold, international stocks often get the flu.
by UpperNwGuy
Sat Jul 24, 2021 6:23 am
Forum: Personal Investments
Topic: Where do bonds and REITs and dividends go? Taxable, tax deferred, or no tax accounts?
Replies: 19
Views: 1232

Re: How much ER is too much and portfolio selection

roth_stuff wrote: Sat Jul 24, 2021 3:06 am broad market index and 500 index is outperforming my bond index.
That is exactly what is supposed to happen! What made you think otherwise? Do you understand the role of bonds in a portfolio?
by UpperNwGuy
Fri Jul 23, 2021 1:42 pm
Forum: Personal Consumer Issues
Topic: Best Meal Delivery Service?
Replies: 18
Views: 1321

Re: Best Meal Delivery Service?

queso wrote: Fri Jul 23, 2021 1:32 pm We have tried several and settled on Territory. We eat mostly vegetarian and gluten free.
I used Territory. Some of the meals were good, but most were like eating a TV dinner.
by UpperNwGuy
Fri Jul 23, 2021 1:40 pm
Forum: Investing - Theory, News & General
Topic: How Much Cash or Cash Equivalents Do You Keep Around?
Replies: 56
Views: 4382

Re: How Much Cash or Cash Equivalents Do You Keep Around?

Mike Scott wrote: Fri Jul 23, 2021 11:55 am I keep a savings account for short term goals but keep very little cash just to have cash. There are bonds in retirement accounts if that's what you mean.
^^ This is what I do.
by UpperNwGuy
Fri Jul 23, 2021 1:36 pm
Forum: Personal Investments
Topic: Being more liquid
Replies: 9
Views: 906

Re: Being more liquid

glinka wrote: Fri Jul 23, 2021 1:19 pm Does it make sense to get down to say 30/30 with the rest in some fund that is more fixed?
No, it doesn't make sense.
by UpperNwGuy
Thu Jul 22, 2021 1:28 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads "tinker"with their portfolios?
Replies: 49
Views: 5864

Re: How many Bogleheads "tinker"with their portfolios?

In March 2020, I tax loss harvested all my Total Stock into S&P 500, thinking I would be tax loss harvesting back again a few months later. After a year passed with nonstop growth, I realized that I might be stuck with S&P 500 forever, so I added enough Extended Market to create a Total Stoc...
by UpperNwGuy
Thu Jul 22, 2021 12:58 pm
Forum: Personal Investments
Topic: Fidelity ZERO funds complicating transfer to another brokerage / mortgage deal
Replies: 49
Views: 3107

Re: Fidelity ZERO funds complicating transfer to another brokerage / mortgage deal

I currently have my assets at Fidelity. I'm looking at refinancing my mortgage, and Schwab offers mortgages with a relationship discount. I know some other institutions do this, but as far as I know, Fidelity has no such program. If I'm wrong about that, would love to know. .... The mortgage refina...
by UpperNwGuy
Thu Jul 22, 2021 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Trip Protection Insurance?
Replies: 33
Views: 2377

Re: Trip Protection Insurance?

If you're flying on two different tickets with two different airlines, the insurance from one probably won't cover the trip on the other. I would get good third-party travel insurance rather than buying insurance through an airline. The website "The Points Guy" has regularly updated inform...
by UpperNwGuy
Thu Jul 22, 2021 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Large online check deposits
Replies: 10
Views: 1058

Re: Large online check deposits

Why don't you set up direct deposit of your paycheck? Using a phone app to deposit a paper check sounds like a recipe for problems.
by UpperNwGuy
Thu Jul 22, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mass Mutual whole life legacy pay 20
Replies: 44
Views: 1776

Re: Mass Mutual whole life legacy pay 20

anthonypals wrote: Thu Jul 22, 2021 10:02 am From what I was told
Who told you?
by UpperNwGuy
Thu Jul 22, 2021 7:12 am
Forum: Investing - Theory, News & General
Topic: Do you rebalance or not?
Replies: 64
Views: 5218

Re: Do you rebalance or not?

My re-balance policy calls for re-balancing on the downside but not on the upside. ie., I don't intend to sell equity. I have a similar rule. I try to avoid selling anything, so my rebalancing rule includes a one week waiting period after the account gets outside the 5% band. Often the out of balan...
by UpperNwGuy
Thu Jul 22, 2021 6:56 am
Forum: Personal Consumer Issues
Topic: How Long For CC Refund
Replies: 21
Views: 1193

Re: How Long For CC Refund

Credits never show up as pending transactions on my credit cards. They don't show up until they are posted transactions.
by UpperNwGuy
Thu Jul 22, 2021 6:54 am
Forum: Personal Investments
Topic: Move assets from one Vanguard account to another
Replies: 13
Views: 1001

Re: Move assets from one Vanguard account to another

Cheez-It Guy wrote: Thu Jul 22, 2021 6:43 am Usually proliferation of accounts is not something to strive for.
I agree.
by UpperNwGuy
Thu Jul 22, 2021 6:48 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 409
Views: 30230

Re: Tips to stick to a weight loss diet?

My tips are as follows: — eat all types of food, but less of it — avoid fad diets like keto or vegetarian — write down what you eat or, better yet, log them into an app — exercise regularly, preferably a mix of cardio and strength — limit alcohol and sweet drinks the trouble with the first one &quo...
by UpperNwGuy
Wed Jul 21, 2021 2:48 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 409
Views: 30230

Re: Tips to stick to a weight loss diet?

My tips are as follows:
— eat all types of food, but less of it
— avoid fad diets like keto or vegetarian
— write down what you eat or, better yet, log them into an app
— exercise regularly, preferably a mix of cardio and strength
— limit alcohol and sweet drinks
by UpperNwGuy
Wed Jul 21, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Trip to Southern Spain???
Replies: 24
Views: 2418

Re: Trip to Southern Spain???

Southern Spain is delightful except during the hot summer months. Good hotels are cheaper than the rest of Europe, and cheaper than Madrid and Barcelona. You don't need a car, and you don't need to fly within Spain. Spain's high speed train network is one of the best in the world. Using the train yo...
by UpperNwGuy
Wed Jul 21, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: travelbusinessclass.com [is it legit?]
Replies: 16
Views: 1746

Re: travelbusinessclass.com [is it legit?]

When I want to book business class from the US to Germany, I go to the united.com or lufthansa.com websites.
by UpperNwGuy
Wed Jul 21, 2021 1:35 pm
Forum: Personal Investments
Topic: Emergency Fund: do you subtract dividends?
Replies: 10
Views: 818

Re: Emergency Fund: do you subtract dividends?

All the dividends from the mutual funds in my taxable accounts are automatically reinvested, so I consider them to be part of my investment portfolio, not part of my emergency fund. The interest earned on the certificates of deposit and the high yield savings accounts where my emergency fund resides...
by UpperNwGuy
Wed Jul 21, 2021 1:25 pm
Forum: Investing - Theory, News & General
Topic: For Young Investors, Why Not Long Term Bonds?
Replies: 15
Views: 1515

Re: For Young Investors, Why Not Long Term Bonds?

I’m not bullish on the dollar or the US’s creditworthiness and believe it’s mistaken to bet exclusively on the US (obviously wouldn’t apply to funds that invest beyond treasuries, but in recent years, treasuries account for 60-65% of the total bond fund) Seriously? If so, you're definitely a minori...
by UpperNwGuy
Wed Jul 21, 2021 8:52 am
Forum: Personal Investments
Topic: [Buying S&P 500 Index Fund - Fidelity or Vanguard?]
Replies: 61
Views: 5589

Re: [Buying S&P 500 Index Fund - Fidelity or Vanguard?]

As far as tax efficiency goes, does everyone agree that if I went with Vanguard I could use a mutual fund whereas if I went with Fidelity it would have to be an ETF? Yes. This is the best solution, but only by a hair. In the interest of full disclosure, I own Fidelity's S&P 500 index fund FXAIX...
by UpperNwGuy
Wed Jul 21, 2021 6:30 am
Forum: Personal Investments
Topic: Why does ACH to Fido take 7 days to clear?
Replies: 20
Views: 1556

Re: Why does ACH to Fido take 7 days to clear?

How fast do your brokerages clear EFT cash deposits? I know for a fact that you can usually trade the cash you deposited with Schwab the day after, and you can buy Vanguard funds as soon as you deposited the cash balance on Vanguard. Why does Fido take so stupidly long to make cash available? I hav...
by UpperNwGuy
Tue Jul 20, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do we decide where to live for our retirement?
Replies: 136
Views: 10308

Re: How do we decide where to live for our retirement?

We are a little older than you, but my DH is already retired and I am retiring at the end of this year (at 52). We talked about it for several years, and ended up....buying a house in October 2020...30 miles from where we lived. We are northern VA, and we moved farther out in the suburbs. I'm 100% ...