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Re: Quicken 2014 opinions wanted

After using Quicken for so long, we decided to abandon ship over 5 years ago. While it felt strange at first, it was a very good decision. No entering, balancing, adjusting, etc. This has freed up even more time for the important things in life.
by abuss368
Fri Apr 18, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 42
Views: 1095

Re: AA accross multiple accounts

At the end of the day this is splitting hairs. As I noted earlier, you have to decide what works best for you and stay the course. If you decide to have the Three Fund Portfolio in all accounts, go for it. No one can honestly tell you that is too complex.
by abuss368
Fri Apr 18, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 24
Views: 860

Re: Portfolio minimum?

jsl11 wrote:15K is more than enough to start. However, it is important to have an emergency fund established prior to investing. Things happen and you do not want to be forced to withdraw from your investments at an inopportune time.
Jeff


Good point. A emergency fund should be established before investing.
by abuss368
Fri Apr 18, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio minimum?
Replies: 7
Views: 552

Re: AA accross multiple accounts

I find having bonds and stocks in both 401k and taxable convenient . I am early enough in accumulation phase that i balance with new money only. Early in the year most contributions go to 401k ( bonds and stocks at my predefined AA split). Later in the year savings go to taxable ( tax exempt interm...
by abuss368
Fri Apr 18, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 24
Views: 860

Re: Fixed Income Categories

I would expect CD's can be cash or fixed income depending on the term.

In the financial accounting profession, a maturity of 90 days or less is classified on the Balance Sheet as Cash & Cash Equivalents.
by abuss368
Fri Apr 18, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1018

Re: AA accross multiple accounts

A related question I haven't been able to find on the Vanguard site yet. Is the minimum investment amount for Admiral funds aggregated? Or do I need $10k in each account (Roth 1, Roth 2, Rollover)? If I AA inside each account, a couple of funds inside the Roths will be short of the $10k to start. E...
by abuss368
Fri Apr 18, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 24
Views: 860

Re: Portfolio minimum?

The minimum is your first $1.00 to get going. The journey starts with the first step. Would the $15,000 be in a taxable or tax advantage account? If tax advantaged, you could consider the simplicity of a Target Retirement fund. You could also consider the Three Fund Portfolio - Total Stock, Total In...
by abuss368
Fri Apr 18, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio minimum?
Replies: 7
Views: 552

Re: The Three Fund Portfolio

I am concerned about what seems to be the same philosophy that applies to stocks (which I 100% agree with) and applying it to bond funds. After a first read of Thau's Bond Book, it seems that individual bonds and bond funds are quite the different animals. I think it may be useful to start a discus...
by abuss368
Fri Apr 18, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 742
Views: 256306

Re: AA accross multiple accounts

You can easily place the Three Fund Portfolio in each account with all Admiral shares. * Total Stock Index Fund * Total International Index Fund * Total Bond Index Fund (or Intermediate Term Tax Exempt in Taxable) Very easy to keep in balance, add funds too, and stay the course. No additional costs.
by abuss368
Fri Apr 18, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 24
Views: 860

Re: The Three Fund Portfolio

Thank you for the link Taylor. I will be interested in following the new Vanguard Total International Index Bond Fund in the years ahead to see how it performs and develops. Vanguard is really pushing the Four Fund Portfolio in their articles, research, video's, and now the Target and Life Strategy ...
by abuss368
Fri Apr 18, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 742
Views: 256306

Re: Vanguard IRA Insights

Thank you for sharing. I have been following this ne publication from Vanguard and have enjoyed it.
by abuss368
Fri Apr 18, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 758

Re: Help select laptop

Your budget makes it limited. I am so done with Windows and have no desire to use Windows 8. We switched to Apple products and they are so easy to use. I would save my pennies and consider a MacBook Air.
by abuss368
Fri Apr 18, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 19
Views: 1096

Re: Vanguard Total International (VTSAX) - Taxable Account

I have a really basic question about VTSAX in my taxable account. I'm relatively new to Bogleheads and shifted my taxable investment into international following the guidelines for tax efficient investing. Stocks are tax efficient and I was under the impression that the foreign tax deduction made t...
by abuss368
Fri Apr 18, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 1939

Re: Vanguard Total International (VTSAX) - Taxable Account

I think you may be overthinking the strategy. Both the US and International Stock Index funds are tax efficient in a taxable account.
by abuss368
Fri Apr 18, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 1939

Re: Fixed Income Categories

The articles are all over the place. I typically keep it simple with 1) equities and 2) fixed income.

Fixed income can be considered your bonds, CD"s, etc.
by abuss368
Fri Apr 18, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1018

Re: AA accross multiple accounts

There are two ways to structure an account: 1) Equal Location - the same funds for the most part in each account (Bonds can have tax exempt in taxable and Total Bond Index in tax advantage). 2) Asset Location - different funds in each account. We follow equal location and this has worked much better...
by abuss368
Fri Apr 18, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 24
Views: 860

Re: Monti Carlo Software

I have never seen or used this software to process and simulations. It never really interested me.
by abuss368
Thu Apr 17, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Software
Replies: 5
Views: 516

Re: Where are the Opportunities now ?

The opportunity for us is to invest in the future of business enterprises to earn our fair share of whatever returns the stocks and bond markets are going to provide.

Market timing and security selection has been proven time and again to not work.
by abuss368
Thu Apr 17, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1904

Re: Why are total bond market funds so often recommended?

No one knows in advance what subsection of the bond market is going to outperform. The goal is to hold the market's weight in bonds with a low cost and diversified index fund. Bond returns are a function of credit and term. Higher yield almost always means higher risks. Bonds should provide both saf...
by abuss368
Thu Apr 17, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4213

Re: Need Help Setting Up Port For Father

I would consider a very simple but effective Vanguard Target Retirement Income Fund that has a 30% equity and 70% fixed income allocation.
by abuss368
Thu Apr 17, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Setting Up Port For Father
Replies: 7
Views: 323

Re: Let's say we live for 150 years...

Hi Rick,

There was a book written by a Russian doctor titled "Can we live 150 years?"
by abuss368
Thu Apr 17, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 14
Views: 2089

Re: Baby Boomers: Top 10 Movies

Godfather, Jaws, Das Boot.....all classic films.
by abuss368
Thu Apr 17, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 35
Views: 2202

Re: Getting Best Price for a Prescription Drug

I'm the original poster. I did my pricing using the 5MG dose. The best US price that I could find using Goodrx.com...which was $6 per day....$6 per tab. I used the "Canadian" company http://www.planetdrugsdirect.com to get ninety 5mg tabs for $1.06 per tab. It took around 30 days for the ...
by abuss368
Thu Apr 17, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3723

Re: Jack on Bloomberg Today...

Jack just makes so much sense. It's comforting to me that it doesn't take a genius to understand his perspective and make an informed decision that what he says is logical. Am sorry he was cut off, as what he was saying was very interesting to me. The smartest people have a way of making the compli...
by abuss368
Thu Apr 17, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Jack on Bloomberg Today...
Replies: 12
Views: 1634

Re: Investments/Allocations

Warren Buffett writes in his annual letter to Shareholders about the magic of dividends. In the most recent letter, he noted that the "big four" for Berkshire (i.e. IBM, Coca Cola, American Express, and Wells Fargo) paid $1.4 BILLION in dividends.

That is clearly no illusion!
by abuss368
Tue Apr 15, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 655

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting. That is incorrect. TIAA-CREF became a private, for profit company in 1998. The change occurred due to industry complaints (Vanguard and Fidelity amongst others) that TIAA...
by abuss368
Tue Apr 15, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2440

Re: A portfolio with a 7% yield? Your thoughts?

I learned a long time ago that higher yield almost always means higher risks!
by abuss368
Tue Apr 15, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 1015

Re: Stocks: How Bad It Can Get

That chart is incredible and really puts investing in perspective. If all funds drop on average as reflected in the graph, why is there a need for multiple mutual funds in a portfolio? Would not one or two equity funds (i.e. Three Fund Portfolio) work just fine? In addition, with a fund or two, new ...
by abuss368
Tue Apr 15, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5329

Re: Stocks: How Bad It Can Get

Sheepdog wrote:
ginmqi wrote:As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink:

Before you know it, young investor, you will be retired and think 100% different. :annoyed


Good point.
by abuss368
Tue Apr 15, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5329

Re: Asset location question

See Rick Ferri's excellent recent post on this exact subject - asset location versus equal location. You can find it on his website: http://www.rickferri.com
by abuss368
Tue Apr 15, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset location question
Replies: 4
Views: 192

Re: IRA Contributions AFTER 70 1/2 years of age??

My understanding is an employer retirement plan must follow the plan document. It is difficult to answer retirement plan questions as we do not have the correct documentation and every plan is unique.
by abuss368
Tue Apr 15, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 733

Re: TV show recommendations?

Is it just me or does shows like NCIS (like CSI) just seem to get old with the typical crime, science, solved, etc.?
by abuss368
Tue Apr 15, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14192

Re: Life Insurance Policy Necessary for 25 year old?

If you would like to expand your post you may receive some excellent investing advice. Perhaps a new thread would be more focused too.

You noted you are a Three Fund Portfolio investor? I presume Total Stock, Total International, and Total Bond?
by abuss368
Tue Apr 15, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy Necessary for 25 year old?
Replies: 11
Views: 835

Re: IRA Contributions AFTER 70 1/2 years of age??

My understanding is not to a Traditional IRA as RMD (i.e. Required Minimum Distributions) must begin.

A contribution to a Roth IRA is allowable if you have earned income.
by abuss368
Tue Apr 15, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 733

Re: Favorite Investing Book?

Any book by Jack Bogle! I really enjoyed "Bogle on Mutual Funds" and also "Common Sense on Mutual Funds". However, I hold a special place for "The Little Book of Common Sense Investing". I also enjoyed Jack Brennan's book "Plain Talk on Investing". David Swens...
by abuss368
Tue Apr 15, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3175

Re: Jack on Bloomberg Today...

Thank you for the update. I will look for it later on.
by abuss368
Tue Apr 15, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Jack on Bloomberg Today...
Replies: 12
Views: 1634

Re: New homeowner: lawn care advice

We have a gas powered lawn mower so I can't help you there. Many years ago we purchased a cordless battery trimmer from Black & Decker at The Home Depot. This trimmer has worked very well and I would definitely buy another one. The charge lasts a long time. We have used the Scott's Lawn Care 4 o...
by abuss368
Tue Apr 15, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 49
Views: 3260

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting.
by abuss368
Tue Apr 15, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2440

Re: Life Insurance Policy Necessary for 25 year old?

I do not like mixing investing with insurance as whole life and universal life policies typically do. The only exception that appears reasonable from my experience is possibly a high net worth individual or small business owner for estate tax liabilities and considerations. Most advice on the forum ...
by abuss368
Tue Apr 15, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy Necessary for 25 year old?
Replies: 11
Views: 835

Re: Investments/Allocations

joe8d wrote:Lets see: Retired, 50/50,7 figure balance,all funds distribute divs.

Looks good to me.


That is a criteria of ours - cash flow from dividends! TIPS Bond funds no longer provide that.

I like your four fund portfolio. You can add REITs for even more cash flow from dividends.
by abuss368
Mon Apr 14, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 655

Re: My financial advisor doubt

After many years, different "advisors", and many investment "houses", we found that moving everything to Vanguard was the best financial decision we ever made.

Own 3 - 6 low cost and total market index funds and nothing else is "needed" ever!

Keep investing simple.
by abuss368
Mon Apr 14, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3151

Re: Answer to Don's question.

Hi Taylor Just curious, do you subscribe to IBD ? I like to read most of the paper, just not the trader stuff. Thanks Don Don: I subscribed to IBD and nearly every other financial publication in my earlier unsuccessful attempts to beat the market. Today my only financial subscription is Kiplinger w...
by abuss368
Mon Apr 14, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: IBD's interview John Bogle [Investor's Business Daily]
Replies: 24
Views: 1898

Re: Investments/Allocations

Hi Bob, You have a very diversified portfolio utilizing a Total markets approach with core index funds. A handful of index funds is all that is needed. Specifically 3 - 6 index funds tops. If you would like to easily increase the yield of the portfolio without too much additional risk, consider addi...
by abuss368
Mon Apr 14, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 655

Re: Save for 25 years = $1million?

It is a fair question. The best advice you could provide to him at this stage is to save and invest more than he spends. A few low cost index funds and let compounding do it's magic. A few of the online calculators would provide a rough idea too. I would buy him one or two simple and very good inves...
by abuss368
Mon Apr 14, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3984

Re: Young doctor, taking over my own investments...

1) Cash - cash is king. Never a bad idea to hold a fair amount of cash as an emergency fund and peace of mind to sleep at night. 2) Roth IRA - is this with Vanguard? If not, consider a direct transfer to Vanguard as they are the only client owned firm offering the lowest fees to the individual inves...
by abuss368
Mon Apr 14, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2530

Re: Does Mint.com randomly access your account?

I have never used Mint.com but I used Quicken for many years. I was never comfortable with the whole download and login process. I never entered financial account numbers, login, and password information. It just did not pass my "sleep test". For us, it no longer matters as we do not use Q...
by abuss368
Mon Apr 14, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1939

Re: Tax deductions from charities

If you itemize your deductions, donation to charities are generally deductible.

The deduction may be limited to 50% of your AGI, however it does carry forward for 5 years.
by abuss368
Sat Apr 12, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1626

Re: Asset location strategies for taxes are OK; but not grea

This has been an excellent article by Rick and the responses just as good too. This is what makes the forum such a great place.
by abuss368
Sat Apr 12, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2608

Re: Why does Vanguard use average return iso compound annual

Not sure. Personally for any investment question or information I am looking for, Vanguard's website has always had more information than I could ever need.
by abuss368
Sat Apr 12, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4099

Re: Can I get some alpha? (DFA / Wealthfront)

I never got caught up in any of that but preferred to follow Jack Bogle's advice and simply "own the market".
by abuss368
Sat Apr 12, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Can I get some alpha? (DFA / Wealthfront)
Replies: 58
Views: 2912
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