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by UpperNwGuy
Mon Apr 19, 2021 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: When is a lawyer needed for creating a will?
Replies: 20
Views: 1021

Re: When is a lawyer needed for creating a will?

JSparks wrote: Mon Apr 19, 2021 3:58 pm When is a lawyer needed for creating a will?
Nearly every time, but especially in your case because of the amount of money involved.
by UpperNwGuy
Mon Apr 19, 2021 6:14 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 51
Views: 3674

Re: “Take risk on equity side”

Dandy wrote: Mon Apr 19, 2021 6:08 pm Don't chase yields? Don't buy bonds/bond funds that are/have a lot of low rated bonds? Your fixed income assets should be low to medium risk.
I consider low risk to be treasuries and medium risk to be investment grade, with municipals somewhere in between.
by UpperNwGuy
Mon Apr 19, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 187
Views: 18727

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

The perfect weather for me simply doesn't exist in the US. The southeast is hot and humid in the summer and has a scary hurricane season. The northeast is cold and snowy in the winter. The midwest has both problems. The great plains have heat, cold, and nearly constant wind. The southwest, although...
by UpperNwGuy
Mon Apr 19, 2021 5:27 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 51
Views: 3674

Re: “Take risk on equity side”

That's a valid point, although I think the most universally-recognized risk here is still credit risk. But as you say Bogleheads have almost always advocated no longer than intermediate-term bonds. Besides EE and I bonds, the only bonds I have left are high-yield and emerging market, so I'm somewha...
by UpperNwGuy
Mon Apr 19, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 187
Views: 18727

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

The perfect weather for me simply doesn't exist in the US. The southeast is hot and humid in the summer and has a scary hurricane season. The northeast is cold and snowy in the winter. The midwest has both problems. The great plains have heat, cold, and nearly constant wind. The southwest, although...
by UpperNwGuy
Mon Apr 19, 2021 12:53 pm
Forum: Personal Consumer Issues
Topic: Penfed Credit Union Website Not Working Since Last Update ??
Replies: 21
Views: 1049

Re: Penfed Credit Union Website Not Working Since Last Update ??

Have you tried using the PenFed mobile app from your smart phone?
by UpperNwGuy
Mon Apr 19, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 66
Views: 4676

Re: Comfortable Men's Flip Flops?

Crocs. Use them, then toss them.
by UpperNwGuy
Sun Apr 18, 2021 5:21 pm
Forum: Personal Investments
Topic: Does anyone hold Vanguard Windsor II or Wellington?
Replies: 15
Views: 1585

Re: Does anyone hold Vanguard Windsor II or Wellington?

I gave serious consideration to both these funds when I started investing, and I rejected them because the fees were higher, they were actively managed, and, in the case of Wellington, bonds and stocks are held in the same fund.
by UpperNwGuy
Sun Apr 18, 2021 5:18 pm
Forum: Personal Consumer Issues
Topic: Penfed Credit Union Website Not Working Since Last Update ??
Replies: 21
Views: 1049

Re: Pedfed Credit Union Website Not Working Since Last Update ??

Are you running the latest version of Safari (14.0.3) on the latest version of the OS (Big Sur 11.2.3)?
by UpperNwGuy
Sun Apr 18, 2021 7:38 am
Forum: Personal Consumer Issues
Topic: Indestructible ants?
Replies: 21
Views: 1845

Re: Indestructible ants?

Call a professional. Get this problem solved.
by UpperNwGuy
Sun Apr 18, 2021 6:30 am
Forum: Investing - Theory, News & General
Topic: Problem with allocation of mobile check at vanguard
Replies: 11
Views: 668

Re: Problem with allocation of mobile check at vanguard

I think they are waiting for the check to clear. They let you invest your own money from your own verified bank account without a delay, but this appears to be a case of your trying to use a check written to you by someone else. Vanguard hasn't verified their account, so they want to see the check c...
by UpperNwGuy
Sat Apr 17, 2021 10:31 pm
Forum: Personal Consumer Issues
Topic: Penfed Credit Union Website Not Working Since Last Update ??
Replies: 21
Views: 1049

Re: Pedfed Credit Union Website Not Working Since Last Update ??

PenFed's website has been working fine for me, and I use Safari.
by UpperNwGuy
Sat Apr 17, 2021 10:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14648
Views: 1125750

Re: U.S. stocks continue to soar!

HomerJ wrote: Sat Apr 17, 2021 9:24 pm 1982-2000, the S&P 500 went from 117 to 1425 or 12x

2009-2021, the S&P 500 has gone from 700 to 4180 or about 6x

So figure we got a ways to go.... :)

Or maybe not...
One can only hope.
by UpperNwGuy
Sat Apr 17, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: how does Citi Double Cash card actually work in practice?
Replies: 14
Views: 1376

Re: how does Citi Double Cash card actually work in practice?

Nyc10036 wrote: Sat Apr 17, 2021 10:07 pm Citi has been trying to get me to convert to one of their other credit cards.
Maybe if I wait long enough they will enventually offer me the Dividend card which currently isn't open to new applicants.
That won't happen. Citi is trying to phase out the Dividend card.
by UpperNwGuy
Sat Apr 17, 2021 10:22 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 35
Views: 2836

Re: Temp change in remote location - tell employer?

If you worked for me, and you didn't tell me, there would be adverse consequences.
by UpperNwGuy
Sat Apr 17, 2021 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: “Running the Numbers”
Replies: 26
Views: 2279

Re: “Running the Numbers”

You can run your own numbers. Why pay someone to do it for you?
by UpperNwGuy
Sat Apr 17, 2021 10:20 pm
Forum: Personal Consumer Issues
Topic: How to get the best sleep?
Replies: 27
Views: 1892

Re: How to get the best sleep?

Melatonin.
by UpperNwGuy
Sat Apr 17, 2021 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?
Replies: 38
Views: 3883

Re: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?

This whole plan sounds sketchy to me. Why not play by the rules as they were intended? I want to do this because: It gives me a very cheap loan. It harms none of the parties involved. In fact, I'd say they're all made happy, It scratches an itch which keeps me from wanting to fiddle my investing st...
by UpperNwGuy
Sat Apr 17, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 23
Views: 2437

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

- with YTD total return of -3.12%. - Morningstar and a five year average annual return of 3.07%. Over that 5 years, the 10-year treasury yield decreased from 3.16% to 0.54%. YTD, the 10-year treasury yield increased from 1.09% to 1.75%. Over the past 20 years, the 10-year treasury yield has average...
by UpperNwGuy
Sat Apr 17, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 42
Views: 2487

Re: Facemask Recommendations?

Forget Amazon. The next time you are in the US, go to any pharmacy and ask for N95 masks. Everybody stocks them. There is no mask shortage in the US any more.
by UpperNwGuy
Sat Apr 17, 2021 6:30 pm
Forum: Investing - Theory, News & General
Topic: Ideal Bond allocation by age
Replies: 41
Views: 3134

Re: Ideal Bond allocation by age

At one time I was saving in CDs due to stock market crashed. I never found a good time to move this money to a real investment account. So I just continue to consider them no interest paying short term bonds. You never found a good time??? There have been literally hundreds of good times over the p...
by UpperNwGuy
Sat Apr 17, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?
Replies: 38
Views: 3883

Re: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?

This whole plan sounds sketchy to me. Why not play by the rules as they were intended?
by UpperNwGuy
Sat Apr 17, 2021 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Citibank Bonus Offer
Replies: 23
Views: 1908

Re: Experience with Citibank Bonus Offer

I have never understood why people fall for the bank bonus offers. For that matter, I also don’t understand why people move their investment accounts from one broker to another to get a small bonus. In both cases the bonuses are just not large enough to justify all the changes in your financial life...
by UpperNwGuy
Sat Apr 17, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 51
Views: 3674

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: 318

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: 2046

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: 25
Views: 3330

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 Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 63
Views: 4768

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: 3267

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: 6
Views: 589

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: 41
Views: 3058

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: 2335

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: 2335

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: 44
Views: 3597

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: 21
Views: 1859

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: 18
Views: 3069

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: 2121

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: 1190

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: 45
Views: 2755

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: 42
Views: 2584

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: 15
Views: 1820

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: 1896

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: 1740

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: 125
Views: 11944

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: 15
Views: 1820

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: 16
Views: 1680

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: 260
Views: 13866

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: 125
Views: 11944

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: 79
Views: 7201

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...