Search found 136 matches

by MishkaWorries
Sat Jul 11, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 460
Views: 105499

Re: Vanguard's Wellesley Income fund is incredible

I think the greatest strength of Wellesley is the smooth ride. My wife, who is extremely risk adverse, loves Wellesley. She stayed with it in 2008-2009. She stayed with it this year. She trusts the fund to bounce right back after a downturn. The problem with a basket of funds that mimic Wellesley wo...
by MishkaWorries
Sun Jun 28, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Contribution to 2021 IRA Now
Replies: 6
Views: 914

Re: Can I Make a Contribution to 2021 IRA Now

Nevermind. I tried to make a contribution for 2021 and I got an error message that the transaction is invalid.

Still why have an option for 2021 in June of 2020? Strange.
by MishkaWorries
Sun Jun 28, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Contribution to 2021 IRA Now
Replies: 6
Views: 914

Re: Can I Make a Contribution to 2021 IRA Now

Excellent suggestion. I’ll try to make an 2021 contribution when I get home. I’ll report back if I need bail money for tax fraud :mrgreen:
by MishkaWorries
Sun Jun 28, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Contribution to 2021 IRA Now
Replies: 6
Views: 914

Can I Make a Contribution to 2021 IRA Now

Probably stupid question but I was helping a family member make an IRA contribution for 2020. Schwab asked us if this contribution was for 2019, 2020 or 2021(?!?). Why did they ask about 2021? Is there anyway I can make my 2021 contribution now? Obviously we’ve maxed out our 2019 and 2020 contributi...
by MishkaWorries
Sat Jun 27, 2020 6:34 pm
Forum: Personal Investments
Topic: Trying best to minimize country (USA) risk in my portfolio
Replies: 10
Views: 1031

Re: Trying best to minimize country (USA) risk in my portfolio

The first thing I would suggest is to diversify your passport holdings. Is there anyway you could get a passport form another country? What type of connections do you have to the foreign countries?

With a non US passport that opens up many more international banking options.
by MishkaWorries
Sun Jun 21, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Getting pretty desperate to own some real estate...
Replies: 29
Views: 3371

Re: Getting pretty desperate to own some real estate...

We used own several properties in Europe for investment and rental income. Absent landlord is a big issue. You can either hire professional managers, who will eat up more than your profit or find someone local you can trust. Owning vacation properties are great because you always have somewhere to s...
by MishkaWorries
Sun Jun 21, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Any benefit to linking your Brokerage account to your Local Bank account?
Replies: 15
Views: 1208

Re: Any benefit to linking your Brokerage account to your Local Bank account?

ACH is or is like a EFT (Electronics Funds Transfer) yes? ...and takes a couple/few days and may not incur a fee depending upon your local bank or if the other direction the investment custodian? It seems like there could be benefit to having both the local bank and the investment custodian to each...
by MishkaWorries
Mon Jun 15, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 135
Views: 6151

Re: What famous investing quote reminds you of your investing style?

Not mine but my wife's newest and favorite expression (she learned on Bogleheads):

If you've won the game, stop playing.
by MishkaWorries
Sat Jun 13, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4597

Re: heated driveway?

Could you buy a small lawn tractor with a snowblower or blade attachment and do it yourself?
by MishkaWorries
Fri Jun 12, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 390
Views: 33181

Re: Why not 100% PSLDX?

I'm still curious. Why do some brokers discourage regular investors from buying this fund?

1,000,000 Fidelity and 25,000 Vanguard.

Is the fund so risky? Is it possible people could lose more than their original investment? I don't think so.
by MishkaWorries
Wed Jun 10, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 390
Views: 33181

Re: Why not 100% PSLDX?

Thanks everyone for this discussion! I am interested in getting into PSLDX as my core U.S. holding but am trying to figure out whether it is worth doing so 100% in a taxable account or if I'm better off simulating it in the ways previously discussed. My brokerage (Schwab) has a minimum $100K initia...
by MishkaWorries
Fri Jun 05, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Are any market timers cashing out soon?
Replies: 74
Views: 8007

Re: Are any market timers cashing out soon?

I'm under tremendous pressure from the wife to sell our equities. So far I managed to hold her off until 3100 on the SPX. Now I'll tell her to hold off until the old high. I put a stop loss at 3100 today. For us, last spring we put in our life's work of owning rentals in the stock market. Needless t...
by MishkaWorries
Fri Jun 05, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1061

Re: 2020 Prius and Car Buying Process

I would not provide the actual quote on the grounds it's none of their business. I don't want them to know the competition prices. I would make them honor take that Xtra $300. You know it's out there and available. I'd also use that $300. To go back to other dealers. Are you negotiating an "out the ...
by MishkaWorries
Fri Jun 05, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: June 2020 Distributions
Replies: 7
Views: 1088

Re: June 2020 Distributions

https://www.dividendinvestor.com/divide ... ail/vwelx/

Dividend investor is a good site for this type of info. Last year and year before Wellington paid out in mid-June.
by MishkaWorries
Tue Jun 02, 2020 3:02 pm
Forum: Personal Investments
Topic: How to switch from Betterment to Vanguard (or Fidelity)
Replies: 13
Views: 852

Re: How to switch from Betterment to Vanguard (or Fidelity)

Before you switch, make sure you know the transfer policies of Betterment. There was just a threat about a Betterment client who wanted to do an in kind transfer of assets. It turns out Betterment does do in kind transfers. They sold all his holdings near the bottom and sent a check to the new accou...
by MishkaWorries
Sun May 31, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2600

Re: Fold Flat Seats in a 2019/2020 car

I've slept one time in the back of our 2014 Prius. The seats fold completely flat. I wish I knew about the climate control. I can't say it was a good experience but I'm not a camper at all. It was nice feature to have during a delayed trip caused by snow storm in the mountains. I would be concerned ...
by MishkaWorries
Fri May 29, 2020 1:06 pm
Forum: Personal Investments
Topic: Vanguard Prime Money Market
Replies: 14
Views: 1340

Re: Vanguard Prime Money Market

Capital One has an incentive to open a new HY savings account. I think it is $100 for every $10,000 of new money deposited. I think it is called at $500. Check that out. And also look to see if Ally or Marcus is offering incentives. Look to your local banks too. Sometimes they offer incentive rates ...
by MishkaWorries
Mon May 25, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 7934

Re: Anybody do any GOOD timing the market?

I timed the dotcom bubble almost perfectly. Many co-workers were laughing at me when I sold. Put the money in real estate and did pretty well. My work retirement account accidentally rode out the 2008 crash. I was too busy with live by the time I realized what was going on, it was too late. Then in ...
by MishkaWorries
Mon May 25, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5708

Re: New Vehicle: Forester or Rav4 for boglehead couple

We were car shopping last fall for my wife. I would have bought the hybrid Rav. She bought a Subaru Forester. The Forester has great visibility and lots of safety features. I really like the crash avoidance, cross-traffic and blind-spot alerts. To me, the Subaru has nicer interior materials. The Rav...
by MishkaWorries
Mon May 25, 2020 12:45 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6755

Re: I have no risk tolerance: where am I supposed to keep my money?

My wife is truly risk adverse. She's completely fine with her money earning less than 1% while sitting in CDs and treasuries. She'd be happiest if it was sitting in a safe deposit box. Of course she lived through an economic collapse and saw everyone's live work and savings wiped out. You, my friend...
by MishkaWorries
Mon May 25, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about sibling financial future
Replies: 31
Views: 4055

Re: Worried about sibling financial future

Not sure what’s driving you to get involved when you say you’re not really close and rarely communicate. It seems like the first step would be to develop some sort of relationship, if that’s even what you want to do. Once you have that relationship, maybe you’ll learn whether in fact they actually ...
by MishkaWorries
Mon May 25, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Thoughts & Questions on the Vanguard Extended Duration Treasury ETF
Replies: 16
Views: 1055

Re: Thoughts & Questions on the Vanguard Extended Duration Treasury ETF

What is the purpose of bonds in your portfolio? Is it to get highest return? Then probably best to stick with stocks or high yield corporate bonds. Is it to reduce offset losses in equities? Then a good choice long bonds have a low or negative correlation with equities. Is it safety of your portfoli...
by MishkaWorries
Sun May 24, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1627

Re: Best credit card perks besides cash/points?

It is primary insurance so if anything happens I would not have to involve my car insurance company. I like that coverage, too, but just to be clear about the “if anything happens” part: You’d still have to involve your personal insurance for liability as that is not covered by Chase. Only damage t...
by MishkaWorries
Sun May 24, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: what to do with pension from previous job
Replies: 13
Views: 1083

Re: what to do with pension from previous job

The pension is from Luxoticca? It looks like they are an eyeglass frames designer company that was delisted from the NYSE and now just OTC stock. How healthy is this company? Will they be there in 30 years? 3 years? I'd put it in an IRA or 401k. My retirement account has a stable value fund that pay...
by MishkaWorries
Sat May 23, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1627

Re: Best credit card perks besides cash/points?

I fly United (I know, I know) and their partners so I have the Chase United card. Free bags, priority boarding, lounge access etc. But my favorite perk is the car rental insurance coverage. It is primary insurance so if anything happens I would not have to involve my car insurance company.
by MishkaWorries
Fri May 22, 2020 4:28 pm
Forum: Personal Investments
Topic: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?
Replies: 16
Views: 3003

Re: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?

Good old Vanguard. Come for the funds and stay for the 1990 era IT.
by MishkaWorries
Wed May 13, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging during volatile markets
Replies: 12
Views: 1451

Re: Dollar Cost Averaging during volatile markets

Your plan sounds reasonable. The guidance should always be what helps you save and invest. I DCAd a large sum last year. I sweated bullets and watched the market go up and down. I finally got tired of worrying about the stupid stock market and dumped the rest in lump sum. But I slept well at night k...
by MishkaWorries
Sun May 03, 2020 7:32 pm
Forum: Personal Investments
Topic: Anyone Else Having Problems with Vanguard's Overview Asset Mix?
Replies: 6
Views: 849

Re: Anyone Else Having Problems with Vanguard's Overview Asset Mix?

I noticed that too. I found the problem. In my work retirement plan I have STFAX -State Street 500 fund. On Vanguard's Other Accounts I listed STFAX as my fund. Never had a problem before. I replaced STFAX with Vanguard's 500 fund and problem solved. Now I have no "uncategorized" assets and my Asse...
by MishkaWorries
Wed Apr 29, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Our company just closed our regional office permanently
Replies: 35
Views: 5462

Re: Our company just closed our regional office permanently

I think more companies will start moving to WFH for most employees. The cost savings are huge and if productivity is not hindered I don’t see much of an issue . Just wait until companies decide they can save money on expensive real estate and money on expensive personnel and benefits. Why not outso...
by MishkaWorries
Sat Apr 25, 2020 5:28 pm
Forum: Personal Investments
Topic: Anyone Else Having Problems with Vanguard's Overview Asset Mix?
Replies: 6
Views: 849

Re: Anyone Else Having Problems with Vanguard's Overview Asset Mix?

FlyingMoose wrote:
Sat Apr 25, 2020 4:58 pm
I noticed that too.
Interesting. I hope they fix it soon.
by MishkaWorries
Sat Apr 25, 2020 5:27 pm
Forum: Personal Investments
Topic: Anyone Else Having Problems with Vanguard's Overview Asset Mix?
Replies: 6
Views: 849

Re: Anyone Else Having Problems with Vanguard's Overview Asset Mix?

Do you have non-VG assets that display as part of the asset mix? These could be assets that you have linked to the other institution(s) or assets you manually update periodically. (Example: direct CDs from banks or CUs. Or I-Bonds.) IIRC, you have to specifically define what asset class these asset...
by MishkaWorries
Sat Apr 25, 2020 1:45 pm
Forum: Personal Investments
Topic: Anyone Else Having Problems with Vanguard's Overview Asset Mix?
Replies: 6
Views: 849

Anyone Else Having Problems with Vanguard's Overview Asset Mix?

For the past week or so, I've had a problem with Vanguard's Asset Mix page. The balance totals are accurate but when I go to the Asset Mix page, my Portfolio has a large percentage of "Uncategorized." That is not helpful. I have a few outside accounts information included. Anyone else have this prob...
by MishkaWorries
Sun Apr 19, 2020 8:33 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1245

Re: [Looking for HSA provider that offers VTSAX or VTI]

Provided thru my employer. With a 0.4% investment fee, depending on your balance it may make sense to move some of that money to fidelity periodically. There’s also no reason to add funds to the employer account beyond the premium pass-through. You can have multiple HSAs. Direct your personal contr...
by MishkaWorries
Sat Apr 18, 2020 10:03 pm
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3733

Re: How to put $100K into the market now?

One more thought. Do you know your risk acceptance level? If you dumped the money in now and we had another 30-50 decline (assuming 100/0/0 AA) how would you react? Would you be tempted to sell? I'd advise you either lump it and forget it. Turn off the market news and check in every 6 months to be s...
by MishkaWorries
Sat Apr 18, 2020 9:27 pm
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3733

Re: How to put $100K into the market now?

How important is this money to you? The market is very volitile right now. When comparing DCA vs lump sum keep in mind:

A 5% drop requires an 5.3% gain to recover.
A 40% decline needs 67% to get back.
And a 50% loss you need a 100% bounce just to breakeven.
by MishkaWorries
Sat Apr 18, 2020 9:17 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1245

Re: [Looking for HSA provider that offers VTSAX or VTI]

I have HealthEquity. It has all your favorite low fee Vanguard funds. Good service. But it also has an annual 0.4% investment fee drag. Vanguard should come out with their own HSA like Fidelity. These investment fees go against my bogle sensibilities. Why not move to fidelity? Provided thru my empl...
by MishkaWorries
Wed Apr 15, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab on AA -"Youre Fifty now what?"
Replies: 15
Views: 1635

Re: Charles Schwab on AA -"Youre Fifty now what?"

My problem with all this talk about "retirement" is really sloppy. Maybe I'm unusual but I think of my retirement in three separate phases. Phase 1 -- 62-67 or 70. Early retirement from my job with smallish pension but still working a part-time. Phase 2 -- social security plus pension. Those two we'...
by MishkaWorries
Sun Apr 12, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2707

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

Take the financing. Its not close. If you paid cash it would cost you the lost 2% for 5 years. Roughly $3,000 cost to make $750 plus $75.
by MishkaWorries
Sat Apr 11, 2020 7:34 pm
Forum: Personal Investments
Topic: How often is there a Bear Trap rally?
Replies: 35
Views: 2962

Re: How often is there a Bear Trap rally?

I'm a nobody with no knowledge. But how do we know we didn't enter the bear market in December 2018 and in March 2020 we retested the low?

I don't time the market. I learned that lesson in 2008. And I don't think 2018 and today are connected but why doesn't anyone talk about that?
by MishkaWorries
Fri Apr 10, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28707

Re: just got my $1200 stimulus payment

The IRS will send a check if you did not pay a balance due by direct debit or receive a refund by direct deposit. From the IRS website: " The IRS does not have my direct deposit information. What can I do? In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide ...
by MishkaWorries
Fri Apr 10, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 358
Views: 28707

Re: just got my $1200 stimulus payment

Nothing in my bank account today :( Direct deposit refund in 2018 and filed 2019 taxes on 3/27 with direct deposit refund. Received both State and Fed refund exactly one week later :shock: There's a local Thai restaurant we love. The owners and sole employees are immigrants who work from 8:00AM to 1...
by MishkaWorries
Fri Apr 10, 2020 6:38 pm
Forum: Personal Investments
Topic: Mid-term (7 to 10 year) investment goal. Is BND a good choice?
Replies: 14
Views: 1252

Re: Mid-term (7 to 10 year) investment goal. Is BND a good choice?

For a short term investment BND is fine. The only real concern would be interest rate risk. BND had a duration of 6.3. so if interest rates rise by 1% then BND price will fall by 6.3%. Which way are rated going? Up, down or sideways? If you fear a spike in rates, you'd be better off with shorter du...
by MishkaWorries
Fri Apr 10, 2020 12:42 pm
Forum: Personal Investments
Topic: Mid-term (7 to 10 year) investment goal. Is BND a good choice?
Replies: 14
Views: 1252

Re: Mid-term (7 to 10 year) investment goal. Is BND a good choice?

For a short term investment BND is fine. The only real concern would be interest rate risk. BND had a duration of 6.3. so if interest rates rise by 1% then BND price will fall by 6.3%. Which way are rated going? Up, down or sideways? If you fear a spike in rates, you'd be better off with shorter dur...
by MishkaWorries
Fri Apr 10, 2020 12:22 pm
Forum: Personal Investments
Topic: Fidelity In Kind Rollover Issue
Replies: 28
Views: 1387

Re: Fidelity In Kind Rollover Issue

Why is this money sitting in cash for so many days? Why didn't you buy the same fund the day you got the cash? Are you trying to hedge by not buying while the market goes up and then buy if the share price drops?
by MishkaWorries
Tue Apr 07, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How can a few select banks offer above-market yields?
Replies: 35
Views: 2605

Re: How can a few select banks offer above-market yields?

We had our EF in Cap1 for a few years. They had a new money bonus plus they paid 2% a year. Now they are down to 1.5% a year. FDIC insured. No tricks. We'll see how low they go. I recently a portion of our EF to Vanguard taxable to put a small amount in a mutual fund to try to goose earnings above i...
by MishkaWorries
Tue Apr 07, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8804

Re: How do you maximize enjoyment after achieving FI?

Never fly coach again. Fly to Paris and have dinner on the Eiffel Tower; Buy an BMW M3 European Delivery and drive around Europe and/or the Alps for a month; Buy a ski condo in Aspen. But that's just me. Seriously, sometimes being a super saver turns into being a miser and that is not healthy.
by MishkaWorries
Mon Apr 06, 2020 5:13 pm
Forum: Personal Investments
Topic: Tips on how to stop checking finances too often?
Replies: 29
Views: 1447

Re: Tips on how to stop checking finances too often?

When I first had a 401k it went straight out of my paycheck and I never paid attention. However, now that I'm saving and investing more I have a hard time "setting and forgetting it." Any thoughts, insights, tips, etc? This is so true. We have a 6 figure retirement account that I almost never think...
by MishkaWorries
Mon Apr 06, 2020 1:27 pm
Forum: Personal Investments
Topic: Rebalancing mistakes
Replies: 44
Views: 2035

Re: Rebalancing mistakes

If you are still off of your intended asset allocation by more than the size of your rebalancing bands, I would rebalance. It is best to check at least once every year :-). I have zero desire to sell stocks while they are down and buy bonds while they are up just to meet my desired asset allocation...
by MishkaWorries
Sun Apr 05, 2020 3:15 pm
Forum: Investing - Theory, News & General
Topic: A dividend growth fund for only 1.57 times book value
Replies: 11
Views: 848

Re: A dividend growth fund for only 1.57 times book value

TropikThunder wrote:
Sun Apr 05, 2020 2:52 pm
This reads like an advisor’s newsletter.
Isn't this the second post about a small under-valued ETF that has a great book value in the past couple of days?
by MishkaWorries
Sat Apr 04, 2020 12:24 pm
Forum: Personal Investments
Topic: Tracking Outside Investments with Vanguard
Replies: 7
Views: 579

Re: Tracking Outside Investments with Vanguard

It is annoying trying to track outside investments at Vanguard. For one thing why can't we name an outside source. My Emergency Fund is at Capital One but Vanguard doesn't let me change the default "Other" to Capital One. And the biggest annoyance is I have vanguard VIF Small Company Growth in my em...