Search found 4983 matches

by UpperNwGuy
Sat Apr 17, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 11
Views: 592

Re: “Take risk on equity side”

This quotation is often cited by those who only hold treasuries in the bond side of their portfolios. I am not one of those people.
by UpperNwGuy
Sat Apr 17, 2021 12:28 pm
Forum: Investing - Theory, News & General
Topic: Does Index Investing Reduce Market Efficiency
Replies: 5
Views: 242

Re: Does Index Investing Reduce Market Efficiency

I can't read the article either. What does it say?

Didn't we have another post with approximately the same title earlier today?

Edit: Here it is: viewtopic.php?f=10&t=346388&sid=d3e22b7 ... 76c4974f72
by UpperNwGuy
Fri Apr 16, 2021 9:35 pm
Forum: Investing - Theory, News & General
Topic: Future Market Expectations
Replies: 33
Views: 2009

Re: Future Market Expectations

There seems to be a lot of differing opinions out there about the market right now, so I want to see what the Boglehead community thinks. What are your guys expected returns for say an S&P 500 Index fund for the next 1-, 3-, 5-, and 10- year periods? Do you believe that despite just coming out ...
by UpperNwGuy
Fri Apr 16, 2021 9:31 pm
Forum: Investing - Theory, News & General
Topic: Schwab trying to dissuade me from Vanguard bond funds
Replies: 19
Views: 2241

Re: Schwab trying to dissuade me from Vanguard bond funds

Best way to get Vanguard bond funds at schwab is via ETF purchases. I have done this and never had anyone discourage me. I think their are some transaction costs if your prefer mutual fund form, so I would agree direct is better for mutuals, or Schwabs own mutual fund. The Vanguard funds that OP wa...
by UpperNwGuy
Fri Apr 16, 2021 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling old car - CarMax etc.
Replies: 39
Views: 2604

Re: Selling old car - CarMax etc.

Whenever I have a car that old, I just donate it to the Salvation Army. In fact, I have a 2002 car that I'm about to dispose of that way later this year.
by UpperNwGuy
Fri Apr 16, 2021 9:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - How America Invests
Replies: 28
Views: 2793

Re: Vanguard - How America Invests

Vanguard households trade infrequently Fewer than one-quarter of Vanguard households trade in any given year, and those that do typically only trade twice. Most traders’ behavior is consistent with rebalancing or is professionally advised... Trading and product holdings are correlated: Households w...
by UpperNwGuy
Fri Apr 16, 2021 9:11 pm
Forum: Investing - Theory, News & General
Topic: Long Term Gains vs. Adjusting portfolio
Replies: 4
Views: 306

Re: Long Term Gains vs. Adjusting portfolio

I was just wondering everyone's philosophy on adjusting to more "efficient" funds vs paying the tax man. For example, I own: - VGPMX Vanguard Global Capital Cycles ER=.38 - VHGEX Vanguard Global Equity Fund ER=.45 With about $7k in LTG between the funds. I was considering moving to VTSAX/...
by UpperNwGuy
Fri Apr 16, 2021 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 17
Views: 1160

Re: New vs used car in a strong used car market

I am also considering getting a new Forester this year. I got a monthly subscription for Consumer Reports and their top rankings and scores are; Forester 89 Mazda CX5 83 Honda CRV 82 Kia sportage 81 You may want to check the most recent US News auto ratings. CRV is ranked number one, and the Forest...
by UpperNwGuy
Fri Apr 16, 2021 9:02 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 40
Views: 2246

Re: Market Timing Change

I saw an article on Yahoo about taking profits in anticipation of a 10% correction in the near future. Can you post a link to the article? I'm always eager to learn how people are able to predict the future. This is not the one I read the headline, but is as good as any. https://www.yahoo.com/finan...
by UpperNwGuy
Fri Apr 16, 2021 7:31 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 40
Views: 2246

Re: Market Timing Change

peddler12 wrote: Thu Apr 15, 2021 3:02 pm I saw an article on Yahoo about taking profits in anticipation of a 10% correction in the near future.
Can you post a link to the article? I'm always eager to learn how people are able to predict the future.
by UpperNwGuy
Fri Apr 16, 2021 7:26 pm
Forum: Investing - Theory, News & General
Topic: Total market investors, do you feel comfortable with only a handful of companies at the top?
Replies: 41
Views: 2945

Re: Total market investors, do you feel comfortable with only a handful of companies at the top?

I am comfortable with there being only a handful of companies at the top. I hold broad market index funds, so as new companies rise to the top, I will already be invested in them. I'm an old guy, so I remember when the companies at the top were totally different from today. I'm sure the list will ch...
by UpperNwGuy
Fri Apr 16, 2021 7:16 pm
Forum: Personal Investments
Topic: Anyone have experience with Suntrust?
Replies: 16
Views: 1199

Re: Anyone have experience with Suntrust?

SunTrust has a branch diagonally across the street from my home. I can walk there in 5 minutes. If it were a better bank, I would immediately start banking there, but every time I look at their offerings and their fees, I realize that SunTrust is not for me.
by UpperNwGuy
Fri Apr 16, 2021 7:12 pm
Forum: Personal Investments
Topic: Vanguard Wellesley
Replies: 16
Views: 2335

Re: Vanguard Wellesley

I"m invested in 2 funds: 50/50 Wellesley and Wellington. That works out to be roughly 60% stocks and 40% bonds. This way I'm letting Vanguard manage my money I'm invested in Vanguard's low-cost, broad-market index funds, so I'm also letting Vanguard manage my money — but for a lot less risk.
by UpperNwGuy
Fri Apr 16, 2021 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: At what salary range to move out of a HCOL state?
Replies: 21
Views: 2069

Re: At what salary range to move out of a HCOL state?

A family of 3 (have a new baby). We live in NJ and currently I am the sole breadwinner as my wife staying home for the baby, I make $98K. NJ rents and houses are very high, however, we inherited a moderate-income rent apartment and currently paying $1400/mo. My income is not much higher than yours,...
by UpperNwGuy
Fri Apr 16, 2021 7:04 pm
Forum: Personal Investments
Topic: Changing bond allocation from 100% BND?
Replies: 8
Views: 1142

Re: Changing bond allocation from 100% BND?

Stay with BND but increase your allocation to stocks.
by UpperNwGuy
Fri Apr 16, 2021 7:14 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 32
Views: 1798

Re: Electric Toothbrush Replacement Recommendations?

Sonicare is the gold standard.
by UpperNwGuy
Fri Apr 16, 2021 7:13 am
Forum: Investing - Theory, News & General
Topic: Value etf’s that actually contain value?
Replies: 37
Views: 1911

Re: Value etf’s that actually contain value?

Bad companies that are cheap for a reason bother me, too, and it's part of why I refuse to tilt to value. I stick to Total Stock.
by UpperNwGuy
Thu Apr 15, 2021 2:20 pm
Forum: Investing - Theory, News & General
Topic: When can you put bonds in a taxable account?
Replies: 11
Views: 1414

Re: When can you put bonds in a taxable account?

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipa...
by UpperNwGuy
Thu Apr 15, 2021 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do tax preparer add value for 7 figure W2 income
Replies: 32
Views: 1882

Re: Do tax preparer add value for 7 figure W2 income

I've never used a tax preparer, only TurboTax. I just bite the bullet and pay my taxes.
by UpperNwGuy
Thu Apr 15, 2021 12:52 pm
Forum: Investing - Theory, News & General
Topic: Value strategies
Replies: 24
Views: 1687

Re: Value strategies

I'm back with the standard screed. 1. Asset values are completely ridiculous. Returns have been dragged forward to the detriment of early accumulators. If you think these values are remotely reasonable you are completely blind. https://www.multpl.com/s-p-500-pe-ratio 2. What are your best strategie...
by UpperNwGuy
Thu Apr 15, 2021 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 109
Views: 9751

Re: How close to retirement age would you start to coast instead of grinding it out?

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in th...
by UpperNwGuy
Thu Apr 15, 2021 12:42 pm
Forum: Investing - Theory, News & General
Topic: When can you put bonds in a taxable account?
Replies: 11
Views: 1414

Re: When can you put bonds in a taxable account?

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipa...
by UpperNwGuy
Thu Apr 15, 2021 7:41 am
Forum: Personal Finance (Not Investing)
Topic: IC to Manager
Replies: 15
Views: 1467

Re: IC to Manager

Learn to delegate. Even delegate those tasks that fall into your personal area of expertise. Even delegate those tasks that your boss asks you to do personally. Use your admin support. Let them keep your calendar and make your appointments and your travel arrangements. Stop doing that stuff yourself...
by UpperNwGuy
Thu Apr 15, 2021 7:26 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 208
Views: 10596

Re: What’s the problem with dividends?

For me, the problem with dividends can be summarized in one word: taxes.
by UpperNwGuy
Thu Apr 15, 2021 7:24 am
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 109
Views: 9751

Re: How close to retirement age would you start to coast instead of grinding it out?

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in th...
by UpperNwGuy
Wed Apr 14, 2021 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 78
Views: 6865

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Why are you folk so reluctant to let the dealer do a hard pull? Because if I am not borrowing money from the dealer or its affiliates, then the private information in my credit file is none of their business? Because it's none of my creditors' business (who monitor and review your report for new in...
by UpperNwGuy
Wed Apr 14, 2021 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 291
Views: 18365

Re: "Nobody's ever regretted paying off the mortgage."

burritoLover wrote: Wed Apr 14, 2021 4:02 pm Has there ever been any 30-year period you DCA'd into the S&P 500 that returned less than 3%?
Nope.
by UpperNwGuy
Wed Apr 14, 2021 3:58 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 94
Views: 4577

Re: thinking about adding some REIT

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings wi...
by UpperNwGuy
Wed Apr 14, 2021 3:54 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 94
Views: 4577

Re: thinking about adding some REIT

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings wi...
by UpperNwGuy
Wed Apr 14, 2021 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 291
Views: 18365

Re: "Nobody's ever regretted paying off the mortgage."

Unlike many bogleheads, I like mortgages. I think they're a good way to buy a house without hindering the growth of your investment portfolio. For me, housing is an expense, not an investment.
by UpperNwGuy
Wed Apr 14, 2021 3:47 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 94
Views: 4577

Re: thinking about adding some REIT

I have all the REIT I need in VTSAX — market weight — so I will never have to add any REIT. I also don't have an advisor, so I don't have to deal with this kind of suggestion.
by UpperNwGuy
Wed Apr 14, 2021 8:02 am
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4522

Re: Alternative to Total Bond?

calliecake47 wrote: Tue Apr 13, 2021 9:24 pm Now that we are recently retired we are more sensitive to the accounts going down in value.
Are your accounts going down in value, or just this one fund? You should be managing your portfolio as a whole, not each fund separately.
by UpperNwGuy
Wed Apr 14, 2021 7:54 am
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 18
Views: 1926

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

mrpotatoheadsays wrote: Tue Apr 13, 2021 12:09 pm - with YTD total return of -3.12%. - Morningstar
and a five year average annual return of 3.07%.
by UpperNwGuy
Wed Apr 14, 2021 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 109
Views: 9751

Re: How close to retirement age would you start to coast instead of grinding it out?

If you dont mind sharing: how was the transition from working to retirement for you going from the usual brisk clip on the final day to then being retired the very next day with all the time on your hands? You didn't ask me, but in my case it was wonderful. Suddenly I could do all my weekly errands...
by UpperNwGuy
Wed Apr 14, 2021 6:48 am
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 109
Views: 9751

Re: How close to retirement age would you start to coast instead of grinding it out?

I worked for 40 years and slightly eased up on the accelerator during my final nine months. During those months I worked mostly 8 hour days instead of my usual 10 hour days, stopped coming to work on weekends, and only took one business trip instead of my usual 10-12. On the other hand, I was in the...
by UpperNwGuy
Tue Apr 13, 2021 5:53 pm
Forum: Investing - Theory, News & General
Topic: When can you put bonds in a taxable account?
Replies: 11
Views: 1414

Re: When can you put bonds in a taxable account?

Like your mother, I have only taxable accounts, no retirement accounts, and I hold bonds in those accounts. It's not the end of the world. As long as she is in the 20% tax bracket, she's fine with her present holdings. If she somehow ends up in the 24% tax bracket, she may want to consider municipal...
by UpperNwGuy
Tue Apr 13, 2021 5:02 pm
Forum: Investing - Theory, News & General
Topic: Watch out for inflation numbers
Replies: 49
Views: 5023

Re: Watch out for inflation numbers

Why should this be important to me? My IPS says to stay the course, not only through market crashes, high valuations, low interest rates, but also through changes to the rate of inflation.
by UpperNwGuy
Tue Apr 13, 2021 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: events that require unfreezing credit
Replies: 21
Views: 879

Re: events that require unfreezing credit

When you submit the paperwork for the background investigation leading to a government security clearance, they ask you to give them permission to check your credit reports.
by UpperNwGuy
Tue Apr 13, 2021 4:55 pm
Forum: Personal Investments
Topic: What to do with 10K?
Replies: 6
Views: 598

Re: What to do with 10K?

hi_there wrote: Tue Apr 13, 2021 4:54 pm I would just throw it into the taxable account based on your current asset allocation. This $10k is 1% of your wealth.
+1
by UpperNwGuy
Tue Apr 13, 2021 2:28 pm
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4522

Re: Alternative to Total Bond?

You don't need an alternative to Total Bond. Rather you need to better understand how Total Bond will help you over the course of its duration.
by UpperNwGuy
Tue Apr 13, 2021 2:18 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 91
Views: 6226

Re: Multiple years of expenses in cash when starting retirement

I retired with six months of cash, and I really didn't need most of that. I don't know why anyone would want multiple years of cash at retirement. In reading some of the responses to your questions, I think some folk are simply expressing a preference for going heavy on cash in the fixed income side...
by UpperNwGuy
Tue Apr 13, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2220

Re: Vanguard cash reserve check writing

sport wrote: Tue Apr 13, 2021 1:09 pm The solution is to transfer your Admiral Federal Cash Reserve Fund to the Federal MM fund or Treasury MM fund. These funds allow check writing.
This sound like an easy solution to me. What's all the fuss about?
by UpperNwGuy
Tue Apr 13, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 172
Views: 17334

Re: Did you move for better weather? Did you regret it?

I was born, raised, studied, worked, and retired in DC, VA, NC, and MD. I suspect I'll live the rest of my life in one of those four states. I'm not fond of the hot, humid summers, and the winters sometimes get rough, but not so much in recent years. The springs and falls are lovely.
by UpperNwGuy
Mon Apr 12, 2021 8:14 pm
Forum: Personal Investments
Topic: Buying a 1.5M house in Austin. Should I pull it?
Replies: 51
Views: 5343

Re: Buying a 1.5M house in Austin. Should I pull it?

Rules of thumb are often helpful to real estate investors. Also, someone with an $800,000 pretax income and only half a million invested in their portfolio is abyssal. OP, can you speak to why your retirement accounts seem to be low relative to your income? OP is probably younger and probably came ...
by UpperNwGuy
Mon Apr 12, 2021 8:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14613
Views: 1122114

Re: U.S. stocks continue to soar!

watchnerd wrote: Mon Apr 12, 2021 8:04 pm
UpperNwGuy wrote: Mon Apr 12, 2021 7:53 pm
watchnerd wrote: Mon Apr 12, 2021 3:06 pm Bah, I couldn't get my full limit order filled.

Even though I was offering the closing price.
Why didn't you use a market order?
See upthread
Because it would take the fun out of it?
by UpperNwGuy
Mon Apr 12, 2021 7:54 pm
Forum: Personal Consumer Issues
Topic: blue Sapphire jewelry
Replies: 9
Views: 921

Re: blue Sapphire jewelry

I would always go to my local jeweler.
by UpperNwGuy
Mon Apr 12, 2021 7:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14613
Views: 1122114

Re: U.S. stocks continue to soar!

watchnerd wrote: Mon Apr 12, 2021 3:06 pm Bah, I couldn't get my full limit order filled.

Even though I was offering the closing price.
Why didn't you use a market order?
by UpperNwGuy
Mon Apr 12, 2021 2:53 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7863

Re: Mixing Bogle and Ramsey to build my portfolio

Conventional wisdom does have you shift assets into bonds at a higher proportion as you get older. I was 100% equities at your age and am now comfortable at 30% in bonds. I still have difficulty with moving towards a lower stock allocation. Therefore, I frequently review Jack Bogle’s “Common Sense ...