Search found 7062 matches

Return to advanced search

Re: Is the first 100k really the hardest?

I've often heard people say that the first 100k is the hardest...it only gets easier from here...now the magic of compounding begins, etc. I was wondering if anyone had any statistical support for this or if it's more of a cerebral victory. $100k: It took us 5 long years after graduation from May 2...
by abuss368
Wed Feb 25, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 39
Views: 4375

Re: Pellet stoves -- whats your take?

My Father In Law has one. Nice but no where near as hot as the gas fireplace and wood burning stoves!
by abuss368
Wed Feb 25, 2015 9:13 am
 
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 24
Views: 1543

Re: Ideas of where to relocate

I was going to recommend Florida and not Cuba!
by abuss368
Wed Feb 25, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 30
Views: 1857

Re: Ideas of where to relocate

livesoft wrote:Guantanamo, Cuba.


Incredible! That was priceless and made me laugh out loud.

Best.
by abuss368
Wed Feb 25, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 30
Views: 1857

Re: Is the first 100k really the hardest?

I believe it is the hardest. I get the whole compounding theory but there si something to the first $100,000. Perhaps it is mental too!
by abuss368
Wed Feb 25, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 39
Views: 4375

Re: Is the first 100k really the hardest?

I've often heard people say that the first 100k is the hardest...it only gets easier from here...now the magic of compounding begins, etc. I was wondering if anyone had any statistical support for this or if it's more of a cerebral victory. $100k: It took us 5 long years after graduation from May 2...
by abuss368
Wed Feb 25, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 39
Views: 4375

Re: Converting VG ETFs to open ended funds

I am not sure either. I have read information from Vanguard over the years that mentions an investor can convert from index funds to ETF but not the other way around. You may want to contact Vanguard directly to inquire.
by abuss368
Wed Feb 25, 2015 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Converting VG ETFs to open ended funds
Replies: 15
Views: 677

Re: help me speed up my computer

We recently upgraded our wireless router to Apple's Airport Extreme. The difference in speed is amazing and second to none!

You may want to consider the age of your router and how many devices are connected to it.
by abuss368
Wed Feb 25, 2015 9:04 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3426

Re: Vanguard's New Index Fund of Municiples

This fund's portfolio (based on MUB, which tracks the same index), will be similar to VWLTX (long term), not VWITX (intermediate term). One advantage this fund will have is a lower threshold for low cost shares--Vanguard's current TE funds, because they're "active", have a $50K admiral mi...
by abuss368
Wed Feb 25, 2015 6:21 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: REIT Allocation and Bond Fund Types Help !

If you own a home (which is definitely good for taxes and might change your bracket, if you have a mortgage), then there is even less reason to invest in REIT. I used to (in a taxable account), but the home investment now fulfills that role, in fact more real estate than I'd be comfortable with fro...
by abuss368
Tue Feb 24, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: REIT Allocation and Bond Fund Types Help !
Replies: 9
Views: 869

Re: International Bonds

Going forward the return you should expect from this fund is in the neighborhood of 0.29% / year (0.37% for Admiral). This is worse than a 1% savings account (not CD) in any tax bracket, although of course the differences are still very small compared to other factors (like potentially that tax pla...
by abuss368
Tue Feb 24, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 13
Views: 682

Re: iPad users: what browser are you using?

I do not miss Internet Explorer!
by abuss368
Tue Feb 24, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1795

Re: A case for long term government bonds

Novice question here. Can anyone explain why has so much money gone into long term bonds despite the Fed expressing its intent to tighten? Since 12/31/13, the 10 year rate dropped from 3% down to 1.67% earlier this month and the 30 year dropped to 2.25%. Who is buying all these low-yielding long te...
by abuss368
Tue Feb 24, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3025

Re: International Bonds

When I consider the after tax return on the fed tax exempt fund and the fact that its liquid it would serve me better than a cd locked for any period of time. This fund is my dry powder fund with easy access should opportunity arise. I dont expect too muck return from this fund its just better than...
by abuss368
Tue Feb 24, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 13
Views: 682

Re: Full Faith and Credit

So you all believe FF&C has no real meaning. I tend to agree at this point. But I have been told by a normally reliable source that the original meaning of the term was quite strong. Originally, it was more accurate to say that FF&C debt was backed by the full faith and credit of the United...
by abuss368
Tue Feb 24, 2015 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Full Faith and Credit
Replies: 37
Views: 2263

Re: iPad users: what browser are you using?

ChiefIlliniwek wrote:I use Safari since I have an iPad, iPhone, and a MacBook Pro and everything is synced across the devices.


Isn't it great. Never had it this easy when we had Windows and other devices that never "talked" and were so complex.

Thank you Apple!
by abuss368
Tue Feb 24, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1795

Re: Full Faith and Credit

My understanding is the bond issuer (i.e. U.S. Government) accepts full responsibility for the obligation.

Best.
by abuss368
Tue Feb 24, 2015 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Full Faith and Credit
Replies: 37
Views: 2263

Re: International Bonds

Presently we do not invest in Total International Bond Index. The yield is lower than Treasuries and the risk is higher. Vanguard is marketing this asset class now with the new fund, however, the advantages based on their research reports appear questionable. I am content to sit on the sidelines for...
by abuss368
Tue Feb 24, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 13
Views: 682

Re: International Bonds

rakornacki1 wrote:For what its worth, this fund has had a better return than Total Bond Fund over the past year.


I would think the expected return would be higher because of the increased risk.
by abuss368
Tue Feb 24, 2015 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 13
Views: 682

Re: iPad users: what browser are you using?

Safari. Apple makes great products that just work. iCloud syncs everything between our MacBook Pro, 2 iPad's, and 2 iPhone's.
by abuss368
Tue Feb 24, 2015 9:41 am
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1795

Re: How do you plan on spending your time during retirement?

Sit on a beach reading my newspaper while enjoying wine and good coffee. Time for family and friends.
by abuss368
Tue Feb 24, 2015 9:40 am
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2966

Re: Vanguard's New Index Fund of Municiples

This fund's portfolio (based on MUB, which tracks the same index), will be similar to VWLTX (long term), not VWITX (intermediate term). One advantage this fund will have is a lower threshold for low cost shares--Vanguard's current TE funds, because they're "active", have a $50K admiral mi...
by abuss368
Tue Feb 24, 2015 9:37 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: A case for long term government bonds

Who is going to hold TIPS in this environment? Half of the retired boogleheads:). The question who is going to hold nominals in this environment. Holding nominals when inflation is at 8% makes a ton of sense. AT 2% or so inflatoin you are probably getting the raw end of the deal. Of course who know...
by abuss368
Tue Feb 24, 2015 9:36 am
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3025

Re: Roth Conversion

Yes, Roth conversions are allowed after age 70. However, a Roth conversion does not satisfy RMD. You must first take your RMD and then you are free to convert as much of the assets remaining in your Traditional accounts to Roth IRA. This is my understanding as well. DSInvestor has explained this ve...
by abuss368
Tue Feb 24, 2015 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion
Replies: 3
Views: 310

Re: Investment question for a friend

Thought with the mortgage. A simple Target Retirement fund is the way to go for investing. Look at Target Retirement with a 30% stock and 70% bond asset allocation.
by abuss368
Mon Feb 23, 2015 7:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment question for a friend
Replies: 9
Views: 703

Re: Problems with Internet Explorer

We moved to Apple and Safari. So much better! Microsoft refuses to make computing easy so we finally gave up.
by abuss368
Mon Feb 23, 2015 6:58 am
 
Forum: Personal Consumer Issues
Topic: Problems with Internet Explorer
Replies: 24
Views: 1556

Re: Documentaries to recommend?

I mentioned on another post: Inside Job - Executive Producer is the owner of the Philadelphia Eagles Jeffery Lurie. Matt Damon is the narrator. About the financial crisis being 30 plus years in the making. Really good!
by abuss368
Mon Feb 23, 2015 6:57 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14829

Re: Question about foreign bond and foreign Real Estate fund

I did not mention long term. I simply wanted to imply that REITs appear to act different sometimes from Total Stock and Total International. This is a diversification benefit. Although that was of no help during the financial crisis.
by abuss368
Mon Feb 23, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about foreign bond and foreign Real Estate funds
Replies: 5
Views: 453

Re: Rick Ferri looking to internationalize his portfolio

I have written a few times that I would not be surprised to see more and more Bogleheads add International Bonds to their investment portfolio's. One can see the change in responses to TIPS over the last few years and with the way Vanguard is marketing them now. Would you happen to have a link to a...
by abuss368
Mon Feb 23, 2015 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 257
Views: 31360

Re: Would This Be An Unreasonable Asset Allocation?

Thanks abuss368. I know there's a lot of value in keeping it simple. The reason why I think I'm going to go with the four funds is that I may get a bit more return over the next 22 years because of dollar cost averaging. I'll be investing a set dollar amount every month, and buying whatever fund is...
by abuss368
Sun Feb 22, 2015 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would This Be An Unreasonable Asset Allocation?
Replies: 11
Views: 725

Re: When 60/40 just isn't appropriate

When the stock market falls, who suffers more? Is it a working person who is accumulating money for retirement, or a retiree who is withdrawing money? Although market risk is the same in both cases, I suggest there is a greater perception of loss to a retiree who is withdrawing money. This is becau...
by abuss368
Sun Feb 22, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 12985

Re: Hsa payroll tax

Social Security taxes at 6.20% is limited. Medicare at 1.45% is tax with no limits.
by abuss368
Sun Feb 22, 2015 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hsa payroll tax
Replies: 7
Views: 635

Re: What age do you guys plan to retire?

If only we were allowed to invest as much in IRAs and one can in 401(k)'s!
by abuss368
Sun Feb 22, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8414

Re: Luxury Car

How about the Apple iCar?
by abuss368
Sun Feb 22, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5355

Re: Would This Be An Unreasonable Asset Allocation?

The only asset allocation that is correct is the one that works for you. If you are sleeping well at night, then you have found the answer to your question. Personally that is a lot of funds to manage. Most investors would be well served with a simple Three Fund Portfolio or the Core Four. An altern...
by abuss368
Sun Feb 22, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would This Be An Unreasonable Asset Allocation?
Replies: 11
Views: 725

Re: IRA target fund

No one knows how the stock and bonds markets will move. If anyone tells you otherwise: run!

That you moved your assets to Vanguard and selected a simple but very effective Target fund is a job well done. Now focus on maximizing the contributions and staying the course!
by abuss368
Sun Feb 22, 2015 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA target fund
Replies: 6
Views: 577

Re: Best Use of TIPS Fund in Retirement

The problem with a TIPS fund for a retiree is liquidity risk showing up during a financial crisis. That's why Bill Bernstein recommends a TIPS ladder. TIPS declined during the financial crisis. I have read stories that the collapse of Lehman Brothers in terms of selling TIPS for cash that caused th...
by abuss368
Sun Feb 22, 2015 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1561

Re: Best Use of TIPS Fund in Retirement

I had the Vanguard TIPS Intermediate fund for years. When VG offered the short-term TIPS fund, I switched to that under the (erroneous) expectation that interest rates were going up and so short-term was better than longer term. Wrongo. Despite lacklustre performance, I've kept my short-term TIPS f...
by abuss368
Sun Feb 22, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1561

Re: Rick Ferri looking to internationalize his portfolio

I have written a few times that I would not be surprised to see more and more Bogleheads add International Bonds to their investment portfolio's. One can see the change in responses to TIPS over the last few years and with the way Vanguard is marketing them now.
by abuss368
Sun Feb 22, 2015 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 257
Views: 31360

Re: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX

As soon as I read the "enhanced index" part, I figured the underlying securities must be different and the risk as well. We have been investors in Vanguard's Total Bond Index Fund for many years and it has done well and we are very happy for the simplicity. It is our only bond fund in tax ...
by abuss368
Sun Feb 22, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Bond Index (PBDIX) and Vanguard Bond VBTLX
Replies: 21
Views: 958

Re: Luxury Car

I would still buy a Nissan SUV. Never really turned me on! Too many headaches!
by abuss368
Sun Feb 22, 2015 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5355

Re: Question about foreign bond and foreign Real Estate fund

I do not presently invest in international bonds. Vanguard however is marketing them all the time as a low cost total market option. I do invest in International REITs and presently hold them in both taxable and tax advantage. They do provide some qualified dividends and a foreign tax credit but the...
by abuss368
Sun Feb 22, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about foreign bond and foreign Real Estate funds
Replies: 5
Views: 453

Re: What Movie Have You Recently Watched?

Inside Job produced by the owner of the Philadelphia Eagles: Jeffery Lurie. Unbelievable documentary with Matt Damon on the financial crisis. It is presently playing on Crackle.
by abuss368
Sun Feb 22, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 561
Views: 68355

Re: Vanguard "Select Funds"

Bogleheads: Today I learned that Vanguard keeps a short list of "Select Funds." The three funds in The Three Fund Portfolio are on the list. Vanguard Select Funds Best wishes. Taylor Hi Taylor, I have never seen that page from Vanguard before so thank you fro providing. They included Tota...
by abuss368
Sun Feb 22, 2015 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1018
Views: 456214

Re: Rick Ferri looking to internationalize his portfolio

i'm not dishing too much on rick. He saved me a lot of money with his explanation about "no need for commodities". I owe him one. I was seriously considering allocating to it. But i will stand by my opinion, that this isn't his greatest work. I like international. a lot. i just don't beli...
by abuss368
Sun Feb 22, 2015 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 257
Views: 31360

Re: Rick Ferri looking to internationalize his portfolio

Not that it matters, it was recently reported by Bloomberg that Soros Fund Management, the family office of billionaire hedge fund manager George Soros, is also cutting holdings of U.S. stocks and shifted assets globally. Soros Shifts to Europe, Asia as Investors Cut U.S. Equities Rick Ferri Hi Ric...
by abuss368
Sun Feb 22, 2015 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 257
Views: 31360

Re: Commercial Real Estate Investing

I noticed that most REIT ETF's retreated about ~4% last month. Whys is this? The thought of interest rates increasing possibly. Should I assume that REIT's will go down further once interest rates go up? It's tough and no one can predict how the stock and bond markets will react if and when interes...
by abuss368
Sat Feb 21, 2015 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Commercial Real Estate Investing
Replies: 13
Views: 683

Re: Best Sequence for Withdrawing Funds in Retirement

Can the dividends from the taxable account be deposited into your checking account?
by abuss368
Sat Feb 21, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Sequence for Withdrawing Funds in Retirement
Replies: 7
Views: 614

Re: All-World ex-US vs Total International Stock

I stand corrected: I understand both funds have an allocation to Canada.
by abuss368
Sat Feb 21, 2015 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: All-World ex-US vs Total International Stock
Replies: 19
Views: 2023

Re: Commercial Real Estate Investing

I have invested in an earlier Cole deal, and I also invested in many of these broker sold private REITS and commercial real estate partnerships from 1990-2010. Some were home runs and some went bust. I do not invest in these deals any longer, nor would I recommend that anyone else do so because of ...
by abuss368
Sat Feb 21, 2015 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Commercial Real Estate Investing
Replies: 13
Views: 683
Next

Return to advanced search