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Re: Rental Property/LLC

You should set up a bank account in the LLC's name and pay all invoices and make all deposits to this account. I would meet with a qualified attorney in terms of transferring the asset and the debt.

Best.
by abuss368
Sat Jan 24, 2015 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property/LLC
Replies: 1
Views: 190

Re: What Experts Say About "Indexing"

Indexing works as Jack Bogle has always said!
by abuss368
Fri Jan 23, 2015 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 9
Views: 1485

Re: Gotta Be a Bear Market Coming

You are right. Get out of stocks and put it in CDs until until February 23rd. At that point, put all back in the stock market until March 8th. At that point, put it back in Cds. . . Crazy right. Stay the Course. It's not easy, but it's the only way to invest. The rest is speculating and/or market t...
by abuss368
Fri Jan 23, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7482

Re: Gotta Be a Bear Market Coming

Stay the course!
by abuss368
Fri Jan 23, 2015 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7482

Re: Question: Will Candles Heat up a Cold Room?

The Boglehead way of heating a home!
by abuss368
Fri Jan 23, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: Question: Will Candles Heat up a Cold Room?
Replies: 21
Views: 1671

Re: My strange little hobby

Great story Steve and excellent investment choices you have made!

I hope the simple balanced fund has worked well or the two fund solution.

Best.
by abuss368
Thu Jan 22, 2015 8:56 pm
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2393

Re: "The ABCs of Common Sense Investing"

Thanks Taylor!
by abuss368
Thu Jan 22, 2015 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1650

Re: The Three Fund Portfolio

I have never considered social security and pension as part of my asset allocation. I am 55 years old and currently 90% in target retirement 2020 which is currently almost 60/40. How should I know if this is a right allocation for me if I factor in the SS and pension? Thanks for any help I have not...
by abuss368
Thu Jan 22, 2015 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444555

Re: What age did you hit $100,000?

I entered early 30's but it would have been earlier if not for our evil stock picking days. We had some awesome stock rides (can anyone say America Online), and some bad hits. During our early 30's we came back to being a Boglehead and never looked back. It has clearly been the best financial decisi...
by abuss368
Thu Jan 22, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5742

Re: What age did you hit $100,000?

To piggy back on this a little, do people feel the first $100,000 seemed to take long time to reach and or feel like one of the tougher numbers to reach? I know it was for myself. I think that is fair and reasonable. It takes a decent size account to begin to really compound where the needle is mov...
by abuss368
Thu Jan 22, 2015 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5742

Re: Should I open a Roth IRA ?

I would definitely open a Roth IRA> This provides an excellent opportunity to grow assets for the future.

Year later, you will be happy and thankful that you did.

Best.
by abuss368
Thu Jan 22, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 1780

Re: What Movie Have You Recently Watched?

Not a movie but a Netflix series: Orange is the New Black. We are enjoying it.
by abuss368
Thu Jan 22, 2015 9:14 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 452
Views: 53222

Re: The Three Fund Portfolio

The Three Fund Portfolio is an excellent choice for many investors. I know as I have relatives using it and are very happy with it. The other popular choice in our family has been Jack Bogle's Two Fund Portfolio: Total Stock and Total Bond!

Best.
by abuss368
Thu Jan 22, 2015 9:13 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444555

Re: Poll: What Percent of TIPS in Taxable Account

At this time there have been 36 responses from people who own TIPS. Of these, 26 hold none of their TIPS in a taxable account. This leaves only 10 who own any TIPS in a taxable account. (Only 9 if you exclude me. :wink:) This is less than I expected. That is surprising to well as well. I actually e...
by abuss368
Thu Jan 22, 2015 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1652

Re: Best watch for around $5,000?

How many Bogleheads will be purchasing Apple's iWatch?
by abuss368
Thu Jan 22, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171229

Re: Poll: What Percent of TIPS in Taxable Account

I do not believe that TIPS are as bad in a taxable account as other bond investments may be do to the state and local tax benefits.
by abuss368
Tue Jan 20, 2015 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1652

Re: Choosing between Vanguard Pacific, E.M., Intl. Small

A few years ago, Vanguard transitioned the Target and Life Strategy funds from the three international equity funds (i.e. Pacific, Europe, and Emerging) to the Total International Index fund. I would expect that if the three additional funds provided a better expected return for a desired level of r...
by abuss368
Tue Jan 20, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between Vanguard Pacific, E.M., Intl. Small
Replies: 9
Views: 793

Re: Very Basic Tax Return Question

This is my understanding as well. All tax software programs will prepare this properly for taxpayers.

Best.
by abuss368
Tue Jan 20, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Very Basic Tax Return Question
Replies: 3
Views: 545

Re: Bernstein article:How to tell if your nest egg is big en

That was a really good article.

Thank you fro sharing.
by abuss368
Tue Jan 20, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8248

Re: What counts as "saving"?

We consider all funds redirected for retirement as "savings & investing". We do not count additional principal debt payments, HSA contributions, or 529 Plan contributions.
by abuss368
Tue Jan 20, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6650

Re: What was your costliest investment mistake?

Simple: Individual stocks that were invested in because we believed we were "smarter" than other investors in the market.
by abuss368
Tue Jan 20, 2015 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9542

Re: Better to file taxes separately if married?

Most tax programs offer this analysis today that really breaks down the calculations and allows the tax preparer and payer to make informed planning decisions.
by abuss368
Tue Jan 20, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better to file taxes separately if married?
Replies: 20
Views: 1558

Re: What Movie Have You Recently Watched?

We wanted "Jack Ryan" on Netflix and it was great. More chapters in the Tom Clancy series: Hunt for Red October, Clear & Present Danger, Sum of All Fears, Patriot Games. Enjoyed Kevin Costner in his role.
by abuss368
Tue Jan 20, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 452
Views: 53222

Re: Target Date Fund vs. 3 Fund Portfolio

Excellent posts.

Keep investing simple!
by abuss368
Sun Jan 11, 2015 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3875

Re: Who's buying Oil stocks?

I hold both Exxon and Chevron in my stock portfolio. I bough some shares of Exxon at the end of last year for slightly more than $89 a share. It is now at $92.37. Same, and in that time it went as high as $104.something. I'm happy to buy these mega cap "safer" companies when I have some p...
by abuss368
Sat Jan 10, 2015 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 57
Views: 5034

Re: At Vanguard Active beats Passive

Petrocelli wrote:I told you so.


Now you can buy another watch!
by abuss368
Fri Jan 09, 2015 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3587

Re: "Vanguard Group execs say deflation a real risk..."

Should this be a "TIP": avoid TIPS!
by abuss368
Fri Jan 09, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6215

Re: Emergency Road Service..........

While I am always looking to reduce expenses, roadside assistance is not one of them.
by abuss368
Fri Jan 09, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2860

Re: Vanguard's International Stock Fund

I would look a little further back than 5 years. Other competing funds may be excluding some countries and making out sized bets on others.
by abuss368
Fri Jan 09, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Stock Fund
Replies: 8
Views: 1242

Re: Who's buying Oil stocks?

David Swensen would consider this 1) security selection and 2) market timing.
by abuss368
Fri Jan 09, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 57
Views: 5034

Re: TIPS spread as inflation prediction

As long as we understand late 2008 events had little or nothing to do with CPI movements. Basically TIPS had been used as collateral on repo transactions between banks and hedge funds. When it all hit the fan, people started liquidating collateral. TIPS are relatively illiquid so that pushed prices...
by abuss368
Fri Jan 09, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: TIPS spread as inflation prediction
Replies: 22
Views: 2433

Re: Emergency Road Service..........

We use AAA and it has worked well over the years.
by abuss368
Fri Jan 09, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2860

Re: New Vanguard AMT-free National Municipal Bond Fund

I am looking forward to learning more about the fund. Admiral shares require $10,000 minimum which is a lot lower than the "active" fund requirement with $50,000.
by abuss368
Fri Jan 09, 2015 11:17 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 58
Views: 5009

Re: Remind me: why am I holding VG's longer-term TIPS fund?

One must remember that Treasury bonds and TIPS (which are Treasury bonds) do have tax benefits over other bonds. That is, they are exempt from both state and local taxes. That is huge! So treasuries are not "bad" in a taxable account unlike possibly corporate or international bonds. If yo...
by abuss368
Fri Jan 09, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3416

Re: "Vanguard Group execs say deflation a real risk..."

TIPS and Inflation Bonds: How does this impact the "need" for holding them and placement in a well diversified portfolio?

TIPS have only been around since 1997 so they are "new" and have not been tested in a multitude of environments.
by abuss368
Fri Jan 09, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6215

Re: Who's buying Oil stocks?

surfstar wrote:Bought some VDE instead of VNQ with a portion of this years Roth contribution (both are only ~5% of portfolio). Got lucky with timing and my contributions for investing were available on 1/6. Picked up everything on sale!


Is it on "sale"? What if it drops another 50% or more?
by abuss368
Fri Jan 09, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 57
Views: 5034

Re: Rick Ferri looking to internationalize his portfolio

Everytime i talk myself into international bonds, i talk myself out of them. I've got a healthy dose of currency risk in my portfolio with stocks. Hedged? I guess. That just seems expensive to me (buying derivatives to balance currency can't be completely free). maybe if there were a large differen...
by abuss368
Fri Jan 09, 2015 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24699

Re: Beware of Investing Based on Rising Rates

livesoft wrote:No worries, I am happy to have any of my old posts resurrected and shoved in my face. :) I'm practically a day-trader around here anyways, but I still keep coming back for more.


Livesoft,

What are you day trading now?
by abuss368
Thu Jan 08, 2015 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Investing Based on Rising Rates
Replies: 22
Views: 2094

Re: Remind me: why am I holding VG's longer-term TIPS fund?

That is a good question: Why do you invest in the fund. It should be for the reasons you originally decided. We sold our Intermediate TIPS fund many years ago before the financial crisis. We have been investing in simply Total Bond Index in our tax advantage accounts and Intermediate Tax Exempt in t...
by abuss368
Thu Jan 08, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3416

Re: Remind me: why am I holding VG's longer-term TIPS fund?

I've never really understood why anyone would want to hold the short term TIPs fund, given how well T Bills already protect against inflation. But with the sudden flattening of the yield curve it seems like the short term TIPs fund might now be preferable to the other, longer term TIPs fund. I have...
by abuss368
Thu Jan 08, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3416

Re: Beware of Investing Based on Rising Rates

Hi Rick, Thanks for the excellent article. I referenced on another thread that you had previously penned an article on this topic a while back but I could not find the link. Thank you for that refreshing perspective. I am glad we "stayed the course" with our intermediate bond funds. Best.
by abuss368
Thu Jan 08, 2015 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Investing Based on Rising Rates
Replies: 22
Views: 2094

Re: Beware of Investing Based on Rising Rates

Here is a [nearly] 2-year plot of "opportunity costs" courtesy of a Morningstar "growth-of" chart: http://i57.tinypic.com/adfh4w.jpg It looks like no-harm, no-foul, but plenty of opportunity for market timing. Note that today, BND and BIV (intermediate) are down 0.2%-0.3%, while...
by abuss368
Thu Jan 08, 2015 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Beware of Investing Based on Rising Rates
Replies: 22
Views: 2094

Re: Vanguard announces new Tax-Exempt Index Fund

msi: Thank you for the alert. I like the idea of a diversified, high-quality tax-exempt bond index fund for high-income investors. However, the 0.50% purchase fee is high. My recollection is that other new Vanguard funds later dropped the purchase fee. Does anyone remember how much later the purcha...
by abuss368
Thu Jan 08, 2015 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 58
Views: 5009

Re: Tax-exempt bond fund make sense for me?

The Vanguard Intermediate Term Tax Exempt fund is an excellent choice that provides Shareholder's low costs, diversification, monthly income from dividends, and best of all simplicity.

You may be able to do better but you can definitely do worse!
by abuss368
Thu Jan 08, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt bond fund make sense for me?
Replies: 14
Views: 1616

Re: Rick Ferri looking to internationalize his portfolio

By extension, would an increase in international equity also include an allocation to international debt?
by abuss368
Thu Jan 08, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24699

Re: REITs and Rising Interest Rates

IMO, the REIT industry has changed so much over the past 20-30 years that it's impossible to make such sweeping claims. There are many, many diverse types of REITs now. Some will certainly suffer if rates rise. Some will do better. Probably the best are structured so that interest rate changes won'...
by abuss368
Thu Jan 08, 2015 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: REITs and Rising Interest Rates
Replies: 25
Views: 2242

Re: TIPS spread as inflation prediction

Does the Intermediate TIPS fund still deserve a place in a well diversified portfolio?
by abuss368
Wed Jan 07, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS spread as inflation prediction
Replies: 22
Views: 2433

Re: Rick Ferri looking to internationalize his portfolio

And so, I was curious what the difference in return has been if you had been 70% US/30% TI (total international) vs. the more balanced allocation of 50% US/ 50% TI. Using Simba's data here's what I get for the period 1972-2013: 70/30 CAGR = 10.63%, SD = 18.06%, Sharpe = 0.39 50/50 CAGR = 10.69%, SD...
by abuss368
Wed Jan 07, 2015 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24699

Re: REITs and Rising Interest Rates

I knew a very successful investor that taught me the value of REITs. He would allocate a fair percentage of his portfolio to REITs. Today, he is retired early and living in Aspen, CO from his portfolio income, a substantial portion of which is related to REITs.
by abuss368
Wed Jan 07, 2015 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: REITs and Rising Interest Rates
Replies: 25
Views: 2242

Re: REITs and Rising Interest Rates

Thank you for sharing. We plan to stay the course with our US and International REITs.

Best.
by abuss368
Wed Jan 07, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: REITs and Rising Interest Rates
Replies: 25
Views: 2242
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