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Re: The article on tax efficient placement needs to be rewri

Oh no another post on "equal location" compared to "asset location". This debate no longer gets us stressed and I no longer even bother reading all the math. One can go on the internet and find supporting articles and research detailing the advantages and disadvantages to both me...
by abuss368
Thu Jul 24, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 42
Views: 2212

Re: Financial Times Article on Vanguard.

Thank you for the article and Thank you Jack Bogle for your vision and the creation of Vanguard!
by abuss368
Thu Jul 24, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2456

Re: Dividend Growth Investing vs Index Funds

I was checking out his website and I really liked how he listed the total dividend income by year. The list detailed the incredible growth that is compounding. We pretty much do the same thing in Excel with our index funds. It has been motivating and fun to watch it grow each year.

Best.
by abuss368
Thu Jul 24, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 8
Views: 346

Re: Dividend Growth Investing vs Index Funds

Our plan and goal is to invest enough in Total Market Index Funds where the dividends are more than enough to live from in retirement.

Best.
by abuss368
Thu Jul 24, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 8
Views: 346

Re: Will not using my dishwasher cause problems?

Toons wrote:I turn the dishwasher on,then go sit down and peruse the Boglehead site. :sharebeer


Priceless.
by abuss368
Thu Jul 24, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 35
Views: 1273

Re: Need Guidance

Thanks for the feedback so far. I pretty much have an idea of what my plan of action is moving forward. -minimum on house - minimum on loans - save like crazy -Get emergency fund to a decent position -Start Roth IRA - Pay down car payment Hi TexasTeacher, Excellent plan. This is exactly what I advi...
by abuss368
Thu Jul 24, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Need Guidance [Chapter 7 Bankruptcy]
Replies: 7
Views: 568

Re: Retirement Portfolio Proposal

BigPrince, I'm in a similar situation, turn 58 in August and planning to retire around YE or early in 2015. FWIW, my plan is a 60/40 allocation to stock/bonds with 25% of stocks in international. Majority of assets in simple 3-fund portfolio. Exception to this are older VG funds with large LTCG and...
by abuss368
Thu Jul 24, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 19
Views: 1477

Re: Retirement Portfolio Proposal

BigPrince wrote:We are going to increase the bond allocation and also shrink the emergency fund a little. Once we give it more thought, I will be sure to update the post. Thanks.


I think this is a good idea. Increase the bond allocation and decrease the cash balance and then step back and provide a new update.
by abuss368
Thu Jul 24, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 19
Views: 1477

Re: Old Mortgage about to 'fall off' credit report - now wha

I would not worry about it. We have the same situation where an older mortgage is in the process of falling off too. The bank was not worried in terms of preapproval for a new loan and home.

Best.
by abuss368
Thu Jul 24, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Old Mortgage about to 'fall off' credit report - now what?
Replies: 7
Views: 529

Re: Will baby boomers retiring spell doom for the markets

I do remember reading a article or interview on Vanguard's website regarding this subject. Vanguard's opinion was the outflow of funds from the Baby Boomers would be offset with inflow from new funds. Interesting times.
by abuss368
Thu Jul 24, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 43
Views: 4113

Re: Cheap Wall St Journal?

I remember the days of cancelling and they would offer a new reduced rate within a week or so! Still The Wall Street Journal is my favorite newspaper and business publication. If you read it, I do not believe one needs any other newspapers or magazines (i.e. Forbes, BusinessWeek, Fortune, etc.). Best.
by abuss368
Wed Jul 23, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 64
Views: 7820

Re: Which Bernstein Book?

All books written about and by Jack Bogle.

Jack Brennan - Plain Talk on Investing

David Swensen - Unconventional Success

Rick Ferri - all books.

Best.
by abuss368
Wed Jul 23, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 25
Views: 1459

Re: Will not using my dishwasher cause problems?

Good question. We purchased a new one a couple of years ago and were advised to at least periodically use them.
by abuss368
Wed Jul 23, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 35
Views: 1273

Re: Retirement Portfolio Proposal

Now if someone were to go past 50/50, where is the next line in the sand for a Boglehead or does a Boglehead not fathom such a possibility? Hi BigPrince, To provide some type of perspective, the Vanguard Target Retirement Fund "settles" at a 30% stock and 70% bond allocation where it then...
by abuss368
Wed Jul 23, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 19
Views: 1477

Re: VG Admiral Fund-falling below minimum investment

From the Total International Index prospectus: Mandatory Conversions to Another Share Class If an account no longer meets the balance requirements for a share class, Vanguard may automatically convert the shares in the account to another share class, as appropriate. A decline in the account balance...
by abuss368
Wed Jul 23, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

Workinghard wrote:I was told funds would automatically convert to Admiral shares, but I've had to request that it be done. Easy enough to do with a phone call.


Hi Workinghard,

You can very easily convert to Admiral shares when signing in to your accounts online.

Best.
by abuss368
Wed Jul 23, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: VG Admiral Fund-falling below minimum investment

I talked with Vanguard about this a few years ago and their response was the minimum thresholds are reviewed each quarter. Vanguard will adjust to Admiral or Investor shares as needed.

Best.
by abuss368
Wed Jul 23, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 3003

Re: Do you own a DOW30 or NASDAQ100 index fund?

I voted "no" as our strategy is to invest in "Total" market index funds.

Best.
by abuss368
Wed Jul 23, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 11
Views: 514

Re: Individual MBS & UITs in taxable account

Crow Hunter wrote:I have inherited 3 individual Mortgage Backed Securities and 3 UITs in a taxable account.

WAMU 11/25/33 5.5% $15,000
GMAC 06/25/34 5.75% $8,000
BofA 03/25/35 5.05% $8,000



The years 2033 - 2035 is a long time away.
by abuss368
Wed Jul 23, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Individual MBS & UITs in taxable account

Personally, I am not interested in anything complex, costly, etc. when I can invest in simple and very effective mutual funds.

I would simply call Vanguard and sell the securities and invest the proceeds in index funds as you noted.

Best.
by abuss368
Wed Jul 23, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 506

Re: Bloomberg rates Large Company 401k plans

I did see this article and it was interesting.

Thank you for sharing with the forum.
by abuss368
Wed Jul 23, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 15
Views: 1686

Re: Help me choose a new tv

We did purchase the TV at Best Buy. I just could not get onboard with the offerings at Walmart.
by abuss368
Wed Jul 23, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1472

Re: Retirement Portfolio Proposal

Hi BigPrince, Here are some additional thoughts and points to consider: 1) An investor has to be prepared for equities to decrease 30%, 40%, 50%, or even more. No one knows when, if ever, they will recover (i.e. Japan for the last 20 years). 2) When we are working and still making contributions to o...
by abuss368
Wed Jul 23, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 19
Views: 1477

Re: Retirement Portfolio Proposal

Hi BigPrince, Here are my thoughts. Your Dad is at a crossroads between early retirement and thus the need for continued growth but also protecting what he has accumulated thus far. Most Bogleheads recommend "age in bonds" as Jack Bogle has so often taught us, or perhaps "age less 10&...
by abuss368
Wed Jul 23, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 19
Views: 1477

Re: Help me choose a new tv

We went with a Samsung LED and are very happy with it. The TV was a smart TV but we ended up installing the Apple TV box. No regrets so far and would buy another.
by abuss368
Wed Jul 23, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1472

Re: Lost a lot in stocks and starting fresh: Please Help

Hi humblednhumiliated,

I would consider simplifying your retirement plan to one Target Date fund with Vanguard. This will help with peace of mind and lower stress! You have much more to worry about with deleveraging than to focus on allocations and rebalancing.
by abuss368
Wed Jul 23, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 11881

Re: Need Guidance

Everyone has a personal Balance Sheet or Statement of Net Worth. This financial statement shows all assets on one side and all liabilities and equity/deficit on the other side. The two sides must be in balance. That said, when you cash flow strap yourself so much in terms of applying extra payments,...
by abuss368
Wed Jul 23, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Need Guidance [Chapter 7 Bankruptcy]
Replies: 7
Views: 568

Re: Dumb 3rd grade math question about beach house rental

Vacations should be for fun and relaxation to get away from the mental and physical stress of daily life. Next time, I would rethink who, if anyone, is invited. I personally would not want to deal with the stress on vacation.

Best.
by abuss368
Wed Jul 23, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2385

Re: Planning my non-retirement investment portfolio

Most of the accounts have to stay separate for tax reasons. The only ones I can eliminate without negative tax implications are the taxable Canadian accounts, which I'm now in the process of doing. I chose a 2045/2050 split because I was thinking I would actually retire somewhere in between those d...
by abuss368
Tue Jul 22, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning my non-retirement investment portfolio
Replies: 6
Views: 1357

Re: Poll - Do you use Quicken?

I would like to thank all Bogleheads who have participated in this thread. The responses have been very informative.

Best.
by abuss368
Tue Jul 22, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 63
Views: 2751

Re: how often do you look at your account

A few times a week. I guess years ago with paper statements, less was probably fine. In today's cyber crime world, I guess I can not help but to check more frequently. I add to our accounts every other week. I used to have it set up automatic but now I simply buy more shares of whatever fund is belo...
by abuss368
Mon Jul 21, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3526

Re: Hw many credit cards to own?

For the most part we have one credit card. All transactions are recorded here. We also have two other credit cards: 1) Kohl's and 2) Old Navy. My spouse uses these cards once in a while strictly for the coupons and discounts. These are paid immediately. If it were up to me, I would close these two c...
by abuss368
Mon Jul 21, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3689

Re: "Beating the Market is Amazingly Hard"

Bogleheads: Jason Zweig, a respected columnist for The Wall Street Journal , wrote: Some academic research I read showed "conclusively" that, over time, small stocks would outperform big ones, value stocks would beat growth stocks, and companies that paid dividends would have better retur...
by abuss368
Mon Jul 21, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6484

Re: Planning my non-retirement investment portfolio

A couple of quick points to consider: 1) Simplicity - select a Target 2045 or 2050 and combine in the retirement accounts. No need for both funds. Review the underlying asset allocation and select the one that works for you based on timeframe, tolerance for risks, and overall goals. 2) Accounts - ca...
by abuss368
Mon Jul 21, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning my non-retirement investment portfolio
Replies: 6
Views: 1357

Re: NY Times Article - a case for index investing

gkaplan wrote:I found it ironic that this article had a Raymond James ad.


You and me both!

Overall good article and thank you for sharing.

Best.
by abuss368
Mon Jul 21, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2867

Re: Poll - Do you use Quicken?

We used it for 10 years and overall we liked the program. However, we have been "Quicken Free" for 5 years. At the end our frustration was growing and the inability to convert Investor shares to Admiral shares resulted in us pulling the plug. Now as the multi year transition away form Wind...
by abuss368
Mon Jul 21, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 63
Views: 2751

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

Tilt's in general and as an example small, value, REITs, international small, etc. may all work at one time or another. The important point is to find the portfolio that works for you, allows one to sleep at night, and stay the course in all markets.

Best.
by abuss368
Mon Jul 21, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6484

Re: The Three Fund Portfolio

I am not able to find the source, but this is what it said. S&P500 owns 50% of commercial real estate in USA. Example: mcdonalds owns very nice prime locations of NYC street corners, similarly many shipping companies may own warehouse real estates, but those companies won't be treated as REIT t...
by abuss368
Mon Jul 21, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 818
Views: 316605

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

I enjoyed this latest post from Rick. Always well written and informative. It almost feels as if Rick is becoming a bigger supporter of the Three Fund Portfolio as the years go on!

Best.
by abuss368
Mon Jul 21, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6484

Poll - Do you use Quicken?

How many Bogleheads use Quicken?

Do you use it for Windows or Mac?

What are your thoughts with the whole investor to Admiral share conversions? Has this been improved with some new "mutual fund conversion" feature that I am reading about?
by abuss368
Mon Jul 21, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 63
Views: 2751

Re: POLL: Do you have a dedicated REIT allocation?

asif408 wrote:Essentially I have a 3 fund portfolio + a REIT fund (Rick Ferri's Core Four Portfolio).


Rick Ferri's Core Four portfolio is very hard to beat!

Thank you Rick!
by abuss368
Fri Jul 18, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6879

Re: POLL: Do you have a dedicated REIT allocation?

I would be interested in an update on how many Bogleheads combine the US REITs with International REITs. Vanguard's International REIT index fund has been steadily declining the expense ratio as the funds grows in size.
by abuss368
Fri Jul 18, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6879

Re: POLL: Do you have a dedicated REIT allocation?

I voted "yes" and it is approximately 20% of our portfolio as David Swensen recommends in the excellent book "Unconventional Success". We have allocated the real estate portion 60% to US REITs and 40% to International REITs. The combined diversification of approximately 125 US en...
by abuss368
Fri Jul 18, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6879

Re: Moving from Edward Jones to Vanguard

Look on the bright side: it is only 8 years and not an entire lifetime of investing! I would look into selling the American Funds after transferring to Vanguard. Perhaps this will save on selling commissions. That could save you a few pennies. Do you have losses to offset the gains? You want to move...
by abuss368
Fri Jul 18, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1170

Re: I'm a genius!

Hi HomerJ,

Excellent post in 2009 and very true!

You may not know it, but during the financial crisis, every little bit of support on this forum, including your message, helps Bogleheads.

Best.
by abuss368
Thu Jul 17, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 18
Views: 4582

Re: Poll - Do You Read Businessweek?

I would like to thank everyone for the excellent responses thus far.

Does anyone feel that there is any overlap with The Wall Street Journal?
by abuss368
Thu Jul 17, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1829

Poll - Do You Read Businessweek?

How many Bogleheads read Businessweek?
by abuss368
Thu Jul 17, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1829

Re: Vanguard recommending international bond....

What troubles me when looking at the prospectus is that 72% of the fund is invested in 7 countries such as: Japan (22.2%), France (11.5%), Germany (10.9%), United Kingdom (8.4%), Italy (8.2%), Spain (5.6%), and Canada (5.5%). Germany has been leading the Euro and excluding Canada, that is not an att...
by abuss368
Sun Jul 13, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard recommending international bond....
Replies: 44
Views: 5930

Re: Short-Term CDs vs Saving Account on Ally

I would pass. It is a real struggle to find rates that are the least bit competitive in the current interest rate environment.
by abuss368
Sun Jul 13, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Short-Term CDs vs Saving Account on Ally
Replies: 5
Views: 876

Re: Gold, Silver, Copper

To me, this is speculation. If perhaps the investor would like to allocate a percentage of the portfolio to precious metals, and will sleep better at night, then go for it. I follow the advice of Jack Bogle,... and Warren Buffett and that is there are no earnings and no dividends. I would rather ow...
by abuss368
Sun Jul 13, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4646
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