Search found 429 matches

by UpperNwGuy
Tue May 22, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 25
Views: 1103

Re: International travel for Christmas

The problem with holiday travel is that tourist attractions and restaurants may be closed. I haven’t been to Europe in the Christmas/New Year week, so I have no personal experience, but I have been caught by surprise by other civil and religious holidays that cause widespread closures in Europe.
by UpperNwGuy
Mon May 21, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 26
Views: 2249

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Does Vanguard normally create ETFs before creating mutual funds? I thought the mutual funds usually arrived before the ETFs.
by UpperNwGuy
Mon May 21, 2018 1:58 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 6
Views: 2331

Re: Wow! Just discovered "Portfolio Visualizer".

OP makes two points: 1. That Portfolio Visualizer is wonderful tool. 2. That Total International has lagged Total Stock in the recent past. I agree on both points. Nevertheless, I am keeping my three fund portfolio. There are numerous lengthy threads here on BH that make the case for international. ...
by UpperNwGuy
Sat May 19, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 160
Views: 8330

Re: how do you tip on wine at a restaurant

There’s nothing quite like reading through 100 posts where smart Bogleheads try to rationalize a cultural practice that is in fact irrational. I tip 20% on the total bill including alcohol, but I can’t explain why. I can explain why. For better or worse, the US restaurant industry compensates their...
by UpperNwGuy
Sat May 19, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 160
Views: 8330

Re: how do you tip on wine at a restaurant

There’s nothing quite like reading through 100 posts where smart Bogleheads try to rationalize a cultural practice that is in fact irrational. I tip 20% on the total bill including alcohol, but I can’t explain why. I can explain why. For better or worse, the US restaurant industry compensates their...
by UpperNwGuy
Sat May 19, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 10
Views: 1058

Re: Taxable Account Advice

badbreath wrote:
Sat May 19, 2018 9:55 am
Yes Total stock is very good for taxable you may want to also use a total international also

/www.bogleheads.org/wiki/Tax-efficient_fund_placement
+1 for Total Stock and Total International Stock.
by UpperNwGuy
Sat May 19, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 2703

Re: Chase CS playing games w/me

I’ve never heard of anyone making an extra principal payment mid-month. Usually it is done as an add-on to the regular monthly mortgage payment. I’ve also never heard of anyone doing it over the phone when there is an online system. I think OP managed to confuse a Chase customer service rep by takin...
by UpperNwGuy
Fri May 18, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1987

Re: Cash instead of bonds for 3-fund

I have no personal experience with CDs, never having owned one, but if you owned a three or five year CD purchased a year ago, wouldn’t its market value also be down right now? If so, why invest in cash? There's no market for CDs, so there is no such thing as a "market value for CDs". Any given CD ...
by UpperNwGuy
Fri May 18, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 160
Views: 8330

Re: how do you tip on wine at a restaurant

Do you explain these calculations to the waiter, or you expect the waiter to read your mind as to why the tip was less than expected?
by UpperNwGuy
Fri May 18, 2018 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1987

Re: Cash instead of bonds for 3-fund

If a 3% loss over 5 months is enough to make you consider getting out of a particular investment, that 60% allocation to stocks might be too high... Also, your bond fund is down 3% because it holds a bunch of bonds that were issued at lower interest rates, and would therefore command a lower price ...
by UpperNwGuy
Thu May 17, 2018 2:12 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 80
Views: 7001

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's? You should have these 3 committed to memory. It only takes a sec to google them. The three fund VTSAX/VTIAX/VBTLX and their corresponding etf's VTI/VXUS/BND are about the only symbols you really shou...
by UpperNwGuy
Wed May 16, 2018 12:57 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 55
Views: 10954

Re: This is Unbelievable - another Vanguard customer support odyssey

Yes but we're all too lazy to do that. Please summarize. Hmmm... The thing I noted is the positive comments about Vanguard are all over the place, in other words, little consistency, but the negative comments are relatively consistent. Two things stood out to me: 01) A number of CSRs expressed they...
by UpperNwGuy
Tue May 15, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3920

Re: Three fund portfolio performance

Sonic wrote:
Sun May 13, 2018 7:49 am
Just a one time gain then a complete loss of the gain and part of original principal.
Sounds to me like you invested most of your money on January 1, 2018, saw a gain as of January 31, then saw a year-to-date loss as of the ends of February, March, and April.
by UpperNwGuy
Tue May 15, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8709

Re: Does it make sense to rent as a retiree?

If I compare renting a home comparable to ours in the same neighborhood and factor in taxes, insurance, and maintenance costs, we're getting over a 5% return on our home by owning instead of renting. That makes good financial sense to me. YMMV. I was a homeowner for many years. Owning a home requir...
by UpperNwGuy
Sun May 13, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4443

Re: Which City to spend 4-6 weeks?

Madrid.
by UpperNwGuy
Sun May 13, 2018 2:31 am
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1424

Re: VTWSX Question

What do you mean “the addition of small cap”? You have small cap in your current portfolio.
by UpperNwGuy
Sun May 13, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2250

Re: Quest for the perfect online savings bank

Totally agree that every bank is an online bank these days. Just remember that today’s perfect bank might not be the perfect bank six months from now. Interest rates are on the move, and today’s best rate may soon be eclipsed by a different bank. I also agree that Vanguard Prime Money Market Fund is...
by UpperNwGuy
Sun May 13, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: 4 cars for 3 drivers?
Replies: 15
Views: 1109

Re: 4 cars for 3 drivers?

I have twice had more cars than drivers and found it to be a big hassle, so I recommend against it.
by UpperNwGuy
Sun May 13, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4479

Re: College laptop for fall 2018 freshman

I bought my college kid a Dell and within a few months she wanted me to buy her an Apple instead. It doesn’t matter which one is better overall. Apple is the one that is used in the academic world, and your kid will feel out of place without one.
by UpperNwGuy
Wed May 09, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2408

Re: Emergency Fund Investment Plan

I invest my emergency fund in Vanguard Total Stock, Total International, and Total Bond along with my regular investments. I have savings accounts for the next vacation and the next car, and these funds could be borrowed for living expenses if I didn’t want to raid the investment portfolio.
by UpperNwGuy
Wed May 09, 2018 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4575

Re: Best cash-back credit card right now?

Rather than seeking the “best card,” use this philosophy: — Get a 2% across-the-board cash back card for most spending — Get a 3% or better category card for groceries — Get a 3% or better category card for gas — Get a 3% or better category card for dining — Get the card that best fits the way you t...
by UpperNwGuy
Wed May 09, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 2014

Re: Question on safety of ETFs

livesoft wrote:
Tue May 08, 2018 8:40 pm
I don't have any problems with the following ETFs, trust, trading, or otherwise:
VTI
SPTM
VV
MTUM
VBR
IJS
SPSM
VEA
VEU
VSS
BIL
FLRN
BND
AGG
SPAB
VCSH
SPSB
SCHB?
by UpperNwGuy
Wed May 09, 2018 12:53 am
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 4832

Re: 100% equity folks- holding any cash/bonds now?

The concept of “dry powder” makes little sense to me. All my funds go into the market.
by UpperNwGuy
Sun May 06, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16843

Re: What Percentage CASH are you?

I don't keep cash. I don't have an emergency fund. My portfolio is all stock and bond mutual funds. Each month I divide my paycheck into four parts: — the monthly household expenses — transfer to savings for the next vacation — transfer to savings for the next car — transfer to Vanguard for to buy ...
by UpperNwGuy
Sun May 06, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Do stocks outperform Treasury Bills? Almost never.
Replies: 25
Views: 4790

Re: Do stocks outperform Treasury Bills? Almost never.

It would be helpful if the OP would post a comment explaining the purpose of the original post. Is OP recommending we sell our stock mutual funds and put all our money in Treasury bills? Is this what OP has done with their own portfolio?
by UpperNwGuy
Sun May 06, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6727

Re: Allocation to combine Dave Ramsey and Vanguard?

Honestly, now that I've been researching mutual funds for a few weeks I better understand why Dave Ramsey suggests hiring a financial planner. It's an overwhelming amount of information to take in and understand. I enjoy it. The average investor doesn't. Most people are also too busy building their...
by UpperNwGuy
Sun May 06, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16843

Re: What Percentage CASH are you?

I don't keep cash. I don't have an emergency fund. My portfolio is all stock and bond mutual funds. Each month I divide my paycheck into four parts: — the monthly household expenses — transfer to savings for the next vacation — transfer to savings for the next car — transfer to Vanguard for to buy m...
by UpperNwGuy
Sun May 06, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 6727

Re: Allocation to combine Dave Ramsey and Vanguard?

I'll make a generic statement. I take my investment advice from people who have a primary academic background in finance and statistics, not someone who has disparate interests and no background by which to make a substantive comments. DR says he used an advisor too , just like he recommends. He’s ...
by UpperNwGuy
Sat May 05, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17653

Re: Ed. Jones rep didn't like our plan, now we're locked out

I wonder how many of the folks reading this thread have accounts at Edward Jones and are suddenly realizing that they would be better off elsewhere. I also wonder if the senior leadership at Edward Jones reads these posts and are suddenly realizing that they have a major credibility problem as a com...
by UpperNwGuy
Sat May 05, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve possible changes
Replies: 14
Views: 1164

Re: Chase Sapphire Reserve possible changes

Wait! You got exempted from the annual fee? I have never heard of that happening with the Chase Sapphire Reserve card, although it happens often with the Chase Sapphire Preferred card. Details please. Military Lending Act. Similar to the Amex Platinum, it only lasts while active. Then you should be...
by UpperNwGuy
Sat May 05, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6446

Re: Starting to smell like buying season?

Lots of Bogleheads do that thing where they pretend not to be able to look up a ticker symbol by opening a new tab and taking all of 3 seconds, so I think you might've known and just pretended not to know. I think that it is best to avoid using acronyms and ticker symbols when posting. One person c...
by UpperNwGuy
Sat May 05, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve possible changes
Replies: 14
Views: 1164

Re: Chase Sapphire Reserve possible changes

Wait! You got exempted from the annual fee? I have never heard of that happening with the Chase Sapphire Reserve card, although it happens often with the Chase Sapphire Preferred card. Details please.
by UpperNwGuy
Sat May 05, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8709

Re: Does it make sense to rent as a retiree?

I am retired, and I rent an apartment in a high rise building. It provides the simplicity that I seek in housing arrangements. I doubt I will ever own real estate again.
by UpperNwGuy
Sat May 05, 2018 2:43 am
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 23919

Re: Muni Money Market funds starting to look good!

Just put the first $25K into the Vanguard Muni MM fund. There is a 7-day hold on the funds.. "this account has umavailable shares". I then link my Ally account to Vanguard (after 2 days verifying microdeposits), and yet another 7-10 days until this account is fully verified. They claim I can still ...
by UpperNwGuy
Sat May 05, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1227

Re: Best brick & mortar bank?

+1 for credit unions.
by UpperNwGuy
Fri May 04, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3574

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

I am confused. I keep reading about a crash. What crash?
by UpperNwGuy
Fri May 04, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6277

Re: Pay $2500 in rent or continue living at home

As a parent who has adult children about your age, my advice would be for you to move out. Luckily you are not my parents and my parents are dead. But if they weren’t and I had only recently moved back to help out they still wouldn’t tell me to leave. It’s part of our culture for families to live t...
by UpperNwGuy
Thu May 03, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor
Replies: 7
Views: 693

Re: Hiring an executor

I'm eager to hear the answers to your question!
by UpperNwGuy
Thu May 03, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: What Bond Funds Do You Use Other Than Total Bond Market??
Replies: 10
Views: 1187

Re: What Bond Funds Do You Use Other Than Total Bond Market??

Vanguard Intermediate-Term Tax-Exempt is an excellent alternative to Total Bond in a taxable account if you are in the 24% tax bracket or higher.
by UpperNwGuy
Thu May 03, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in VCTXX
Replies: 12
Views: 1280

Re: Emergency Fund in VCTXX

I closed my GS Bank and moved everything to VMSXX. The difference between VCTXX was not worth the additional risk with a California based fund. California has huge financial issues with all sorts of stuff, budget, entitlements etc. I don't know how much of all this translates into risks to MM funds...
by UpperNwGuy
Thu May 03, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 23
Views: 2606

Re: New State Farm Coverages

Self-insuring is a better solution for home-related expenses that are guaranteed to occur someday, such as repairing or replacing appliances. A savings account with funds set aside for such lumpy expenses is the perfect method of self-insuring.
by UpperNwGuy
Thu May 03, 2018 6:28 am
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2881

Re: Stock Buybacks as a Global Trend?

As we've all seen, when a company gets a big pile of cash, the very last thing they'd want to do is provide better employee benefits, help an overworked staff with new hires or put money into R & D to develop new products. This is the heart of the matter. We're a bunch of investors debating whether...
by UpperNwGuy
Thu May 03, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.
Replies: 32
Views: 2068

Re: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.

Not having a bathtub will decrease the sale price.
by UpperNwGuy
Thu May 03, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6277

Re: Pay $2500 in rent or continue living at home

As a parent who has adult children about your age, my advice would be for you to move out.
by UpperNwGuy
Wed May 02, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Taxable Equivalent Yield (TEY)
Replies: 16
Views: 1175

Re: Taxable Equivalent Yield (TEY)

I have always had a hard time thinking in terms of taxable equivalent yields. I much prefer comparing after tax yields. There really isn't any more math involved.
by UpperNwGuy
Wed May 02, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1201

Re: Keyboard key labels wearing off...

Pajamas wrote:
Tue May 01, 2018 11:21 am
Learn to touch type so you don't have to look at the keyboard.
^ This is the best advice!
by UpperNwGuy
Tue May 01, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Agressive factor Investing
Replies: 44
Views: 4023

Re: Agressive factor Investing

Isn’t this a duplicate of the post you made this morning in the other forum?
by UpperNwGuy
Tue May 01, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Account or Online Savings for Emergency Fund
Replies: 23
Views: 2006

Re: Money Market Account or Online Savings for Emergency Fund

+1 on using a brokerage money market fund instead of a bank.
by UpperNwGuy
Mon Apr 30, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17329

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I wonder if they would have required a co-signer if it had been a car loan instead of a lease?