Search found 1130 matches

by UpperNwGuy
Mon Nov 19, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: anyone buying individual stocks or sector ETF's?
Replies: 10
Views: 810

Re: anyone buying individual stocks or sector ETF's?

Nope. I don't try to beat the market. I just buy the whole market without any slicing, dicing, or tilting. I use a three-fund portfolio.
by UpperNwGuy
Mon Nov 19, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund Portfolio Modification
Replies: 6
Views: 578

Re: 3-fund Portfolio Modification

As a classic three-fund portfolio investor, I got excited when I saw the title of this thread, but now that I've read it, I am disappointed to find that it is just another "why invest in international" thread.
by UpperNwGuy
Sun Nov 18, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX vs. Vanguard Federal Money Market Fund
Replies: 13
Views: 1552

Re: VBTLX vs. Vanguard Federal Money Market Fund

dwickenh wrote:
Fri Nov 16, 2018 10:10 am
VBTLX Total bond is 43.3 Treasury and 64.2 Government backed. Other than a pure treasury fund, that does not sound risky to me. Many complain that it has too much exposure to government issues.
+1
by UpperNwGuy
Sun Nov 18, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 25
Views: 2790

Re: Interview with Fidelity's Abigail Johnson

Fidelity's Total Bond Fund is actively managed. US Bond Index Fund is the one most Bogleheads use at Fidelity. The names confuse folk.
by UpperNwGuy
Sun Nov 18, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 35
Views: 3152

Re: Black Friday 2018

I might order a thing or two online on Cyber Monday, but definitely not going into brick-and-mortar stores on Friday or Saturday.
by UpperNwGuy
Sat Nov 17, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Investing idea--what am I missing?
Replies: 13
Views: 1324

Re: Investing idea--what am I missing?

Why try to beat the market? Few succeed at such an endeavor. Just buy the market. Total Stock index funds are the way to go.
by UpperNwGuy
Sat Nov 17, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 4692

Re: interesting call with my 80yr old mothers Fidelity advisor

My mother has about one half of her IRA and trust investments managed for a fee by Fidelity. Playing devils advocate here.. trust? If your mom is not the trustee, then he would be right to tell you no to the requested change if those items are in a trust. Or maybe he was uncomfortable with you driv...
by UpperNwGuy
Sat Nov 17, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: If the market is this high, does it make sense to invest a large sum of money?
Replies: 38
Views: 3253

Re: If the market is this high, does it make sense to invest a large sum of money?

Lump sum every dollar you invest. Why did you have $30K presumably in cash in your Roth? Sounds like you missed on a 6+ years of great returns. Let's not pour salt in this wound. Just tell the complete story. On this forum you can't get away with asking a narrow question and expect people to confin...
by UpperNwGuy
Sat Nov 17, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 1918

Re: New Crossover Confusion.....

Subaru Crosstrek.
by UpperNwGuy
Sat Nov 17, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Question on bond fund NAVs
Replies: 6
Views: 274

Re: Question on bond fund NAVs

Focus on your total return, not the NAV.
by UpperNwGuy
Sat Nov 17, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 10
Views: 477

Re: Beta Test New Vanguard App... Is this a scam?

Mr Winston wrote:
Sat Nov 17, 2018 10:13 am
UpperNwGuy wrote:
Sat Nov 17, 2018 10:03 am
Got the same invitation. Wondered the same thing.
You try it first and let me know :D
Not a chance. I don't click on email links, and I don't do any kind of beta testing for any product.
by UpperNwGuy
Sat Nov 17, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxs 2018 doesn't include Schedule D?
Replies: 14
Views: 900

Re: H&R Block Deluxs 2018 doesn't include Schedule D?

It's too soon to be complaining about tax software. None of the vendors have a finished product yet.
by UpperNwGuy
Sat Nov 17, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Beta Vanguard APP
Replies: 10
Views: 477

Re: Beta Test New Vanguard App... Is this a scam?

Got the same invitation. Wondered the same thing.
by UpperNwGuy
Wed Nov 14, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6860

Re: Are you all staying the course?

Teague wrote:
Wed Nov 14, 2018 10:56 pm
viz wrote:
Wed Nov 14, 2018 10:25 pm
80% equity, 5% bonds, 20% real estate
...
Remarkable.
I saw what you did there.
by UpperNwGuy
Wed Nov 14, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4283

Re: Does Early Retirement Make You Live Longer?

The Social Security Administration has a life expectancy calculator that gives completely different results than the study cited by OP: https://www.ssa.gov/planners/lifeexpectancy.html That calculator estimates lifespan based only on gender and date of birth. It doesn't consider your age at retirem...
by UpperNwGuy
Wed Nov 14, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4283

Re: Does Early Retirement Make You Live Longer?

The Social Security Administration has a life expectancy calculator that gives completely different results than the study cited by OP: https://www.ssa.gov/planners/lifeexpectancy.html That calculator estimates lifespan based only on gender and date of birth. It doesn't consider your age at retirem...
by UpperNwGuy
Wed Nov 14, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1555

Re: High yield savings vs. Bonds

I'm planning to stick with Total Bond and Intermediate Tax Exempt.
by UpperNwGuy
Wed Nov 14, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Quality pea coat vs parka
Replies: 13
Views: 1494

Re: Quality pea coat vs parka

You should buy both a pea coat and a parka.
by UpperNwGuy
Wed Nov 14, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6860

Re: Are you all staying the course?

Esq123 wrote:
Wed Nov 14, 2018 2:53 pm
How are you all handling the recent market volatility? Everyone staying the course? I am content for now that I am not 100% equities.
Of course I am staying the course. What about you, Esq123? Tell us what you are doing.
by UpperNwGuy
Wed Nov 14, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4283

Re: Does Early Retirement Make You Live Longer?

The Social Security Administration has a life expectancy calculator that gives completely different results than the study cited by OP:

https://www.ssa.gov/planners/lifeexpectancy.html
by UpperNwGuy
Wed Nov 14, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 83
Views: 7426

Re: Vanguard investor class shares on their way out?

I don't see the merging of shares classes resulting in a fee increase given what happened with Fidelity and VGs own pricing of its ETFs. Also, VG already waives Admiral minimums in certain 401k and HSA situations. I could see the minimums change if Fidelity is able to make a significant dent in the...
by UpperNwGuy
Wed Nov 14, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2100

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Ford Escape is another possibility. It will have a complete update for the 2020 model year, so the 2019 should be reliable. It offers more than one engine, and it doesn't have a CVT.
by UpperNwGuy
Wed Nov 14, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Opportunity Cost or Loss.
Replies: 8
Views: 579

Re: Opportunity Cost or Loss.

I wonder whether one is able to calculate the money lost by remaining in this downturn by not investing in alternative investments with the money lost by not exiting. I am thinking of fixed income investments. OP, you keep asking the same question over and over again, each time phrased a bit differ...
by UpperNwGuy
Wed Nov 14, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 69
Views: 7526

Re: Amazon says TurboTax 2018 will be released November 12

Lots of folk want to have the software by early December so they can use it to play what-if games with their year-end investments, medical costs, and tax payments. I have found that tax preparation software is never working properly until January, so you need to find a different way to play what-if ...
by UpperNwGuy
Tue Nov 13, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 83
Views: 7426

Re: Vanguard investor class shares on their way out?

I'm not sure why anyone with less than $10K would use investor class shares instead of the equivalent but cheaper ETF in the first place. To avoid the annoyance of ETFs, while building balance to reach the Admiral level? This. And the extra cost of investor shares is de minimus (and you could lose ...
by UpperNwGuy
Tue Nov 13, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1525

Re: Would you invest CC cashback into market??

I find gift cards to be a pain to manage. I either go for a statement credit or for a deposit to my checking account. I agree with the previous poster who said don't let your cashback accumulate in your credit card rewards account. Get the funds under your direct control as soon as possible.
by UpperNwGuy
Tue Nov 13, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2665

Re: why so few 50/50 balanced funds?

I also prefer 50/50 but 60/40 is practically the same thing. In my opinion small differences in AA aren't significant, but staying the course definitely is. So even though I would prefer an AA of 50/50, a 60/40 balanced fund is still good for me. I may as well just put it into Balanced then. Good d...
by UpperNwGuy
Sun Nov 11, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 8928

Re: cvt transmissions

i have 140K miles on a 2012 Subaru outback with a CVT and it's been solid. my wife drives it fairly hard, too. Glad to hear that the CVT your 2012 Outback is solid after 140,000 miles. However, I recently saw in a different thread that Suburu has extended the warranty on the CVTs for four or five r...
by UpperNwGuy
Sun Nov 11, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: A Special Kind of Market-Linked CD?
Replies: 14
Views: 737

Re: A Special Kind of Market-Linked CD?

Can someone give me his opinion on the following investment vehicle, and clarify exactly how it works? From what I understand, it guarantees an annual rate of return (the CD portion) in addition to any (partial?) returns of a diversified index ("GS Momentum BuilderMulti-Asset 5 ER Index"): http://w...
by UpperNwGuy
Sun Nov 11, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10412

Re: Debunking Bonds in Taxable

While interesting, these conversations would be more useful, if they focused on....um....ordinary people, who would never consider munis, because we’re just trying to scrape by. Maybe there should be a wealthy people only sub-forum? I kid, but only slightly. Do you consider a person in the 24 perce...
by UpperNwGuy
Sun Nov 11, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4690

Re: Do you prefer etfs or mutual funds?

Mutual funds. I think dinosaurs are cool.
by UpperNwGuy
Sun Nov 11, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2964

Re: Regrets from canceling whole life insurance policy - anyone out there?

I cancelled mine about 17 years ago and my only regret is not having cancelled even earlier.
by UpperNwGuy
Sun Nov 11, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1057

Re: Do I Need A Credit Score?

You don't have to go into debt to get a credit score. Get a credit card, use it, pay the statement balance in full within three weeks after the statement is cut, and you will find yourself with a decent credit score... and no debt.
by UpperNwGuy
Sun Nov 11, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 16
Views: 1142

Re: Bond prices vs yields

Thank you, longinvest, for such a clear explanation.
by UpperNwGuy
Sun Nov 11, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10485

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by UpperNwGuy
Sat Nov 10, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: What? I'm a Vanguard Owner?
Replies: 10
Views: 1729

Re: What? I'm a Vanguard Owner?

Yes, you are an owner, but only in a theoretical sense. You have no more voice in Vanguard's decision-making process than you do in the decision-making processes of Schwab or Fidelity where you are not an owner.
by UpperNwGuy
Fri Nov 09, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1481

Re: Alcohol related gift idea - nice glasses for drinking spirits?

Whiskey drinker here. All of the above suggestions are excellent.
by UpperNwGuy
Thu Nov 08, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2053

Re: United MileagePlus - Confused and looking for cheaper options

Seems to me that you should forget about using miles for any part of this trip. Instead, buy your tickets with your credit card and earn miles by flying. When those miles are added to your stash of miles, you’ll be better positioned for future award travel. Also, would it not be less expensive to fl...
by UpperNwGuy
Thu Nov 08, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3812

Re: aerobic exercise: rower vs. treadmill and elliptical

Seems like everyone agrees that the rower doesn’t have the same aerobic benefits as the treadmill or the elliptical, but do its anaerobic benefits make it a worthwhile form of exercise? I’m thinking of upper body muscle development.
by UpperNwGuy
Thu Nov 08, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 672
Views: 99064

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The "fix" is slowly rolling out and a few people are reporting on the crvownersclub website. Not many yet, but so far the results are not encouraging. No-one has said "voila! it works!", but some are saying "&%^*!". Keeping an eye on it but not especially surprised so far. PT Barnum would be amused...
by UpperNwGuy
Thu Nov 08, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Short Term Investment Grade Bond Fund
Replies: 2
Views: 388

Re: TLH Vanguard Short Term Investment Grade Bond Fund

Or you could leave your funds where they are and watch that loss disappear over the course of time as the NAV recovers.
by UpperNwGuy
Thu Nov 08, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a driver/escort tax question.
Replies: 6
Views: 951

Re: Hiring a driver/escort tax question.

My 96 year old father is in assisted living. His facility provides transportation to doctors as a service (for a small fee, I think). By using the official service of the facility, there is no opportunity to be defrauded by an unscrupulous driver. His girlfriend, on the other hand, hires a driver. I...
by UpperNwGuy
Wed Nov 07, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7462

Re: Move savings to Prime Money Market Fund (VMMXX)

I moved all my savings from savings accounts to Vanguard's Prime Money Market Fund about three months ago, and I'm happy with the results.
by UpperNwGuy
Tue Nov 06, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10544

Re: This man can predict when bubbles burst: time to time the market?

Assuming Steve321 is sincere in his questions (I am beginning to have doubts), I would like to ask him: What are your goals and why are you spending so much time and effort trying to find someone who can tell you how to "beat the markets?" Is the historical market return not good enough to make it ...
by UpperNwGuy
Tue Nov 06, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1619

Re: Actively Managed Bond Funds

Vanguard's five national municipal bond funds (short, limited, intermediate, long, and high yield) are all active funds and seem to do well. I think I remember Jack Bogle saying that they set these up as active funds because they couldn't figure out how to make them work as index funds.
by UpperNwGuy
Tue Nov 06, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 25
Views: 1839

Re: FEHB HDHP options for Federal Employees

I'd like to make the jump onto the HDHP bandwagon during this upcoming open season, and would like to gather boglehead opinions and feedback on the various HDHP plans. I have a young family, my wife and I are healthy, and we have a healthy baby that is about 7 months old. We currently have BCBS Sta...
by UpperNwGuy
Tue Nov 06, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10544

Re: This man can predict when bubbles burst: time to time the market?

So why not time the market based on his predictions? Isn't the Bogleheads philosophy and belief in EMH, just like medieval philosophy, superseded by reason and scientific inquiry, as shown in Sornette's work? Reason and scientific inquiry? I think that's a stretch. I'll stick with my three fund por...
by UpperNwGuy
Tue Nov 06, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2773

Re: How many eggs in one basket?

If a company is "owned by Wall Street" then I am one of the owners because Total Stock is 50 percent of my investment portfolio. I'm happy to have an account at Charles Schwab, especially since I am indirectly one of the owners. If my IPS didn't prohibit me from buying individual stocks, Charles Sc...