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Re: thinking of opening a franchise

Franchises are a great idea.

There was a great article on Dunkin Donuts in Fortune I believe over the last month or two. Very long but very detailed and informative.
by abuss368
Fri Nov 21, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 2596

Re: Vanguard launches new offering ... [Vanguard merchandise

Two questions:

1) Are any "profits" going to reduce my expense ratio's?

2) Where are Jack Bogle's books and perhaps autographs?
by abuss368
Fri Nov 21, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 90
Views: 8979

Re: Rick Ferri 60/40 portfolio

Hi Rick, I really like the Three Fund Portfolio. In fact, the older I get, the more I appreciate it. It has been reassuring to hear you discuss the many benefits over the last year or so. Best. A three fund portfolio provides the main ingredients of a successful asset allocation. All else is icing ...
by abuss368
Fri Nov 21, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4165

Re: How To Invest Your Emergency Fund?

We keep our cash very liquid and available: savings account at the bank. Peace of mind.
by abuss368
Thu Nov 20, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 55
Views: 6608

Re: Does Fidelity allow Real Estate investments?

One of the assumptions for real estate investment is appreciation of the property value. So, even if you could fit a rental property into a 401K, the appreciation will be taxed at a higher rate as regular income, rather than long term gain down the line. is this true even if the property isnt sold?...
by abuss368
Thu Nov 20, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity allow Real Estate investments?
Replies: 9
Views: 1131

Re: Rick Ferri 60/40 portfolio

Hi and thanks for asking. Start with three ETFs: VTI for the US market VXUS for the international market BND for bonds or a comparable fund (or CD ladder) Everything else is an add-on and not particularly important. Rick Ferri Hi Rick, I really like the Three Fund Portfolio. In fact, the older I ge...
by abuss368
Thu Nov 20, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4165

Re: Enough compensation

My understanding from articles and interviews is that Vanguard does not disclose this information to Shareholders.
by abuss368
Wed Nov 19, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Bill McNabb's] compensation
Replies: 12
Views: 2050

Re: Target Date Fund all I need?

Target funds are excellent investments!
by abuss368
Mon Nov 17, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund all I need?
Replies: 19
Views: 2562

Re: Jack Bogle says VTBMX + VICSX?

One of the Bogle books suggested 50% in TIPs (VIPSX). I'm not seeing a lot of support for that on the forum. They seem to have fallen out of favor. This may be true. Years ago, the Intermediate TIPS fund was very popular, but no so much anymore. With real rates very low, there is essentially next t...
by abuss368
Mon Nov 17, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2235

Re: Taylor Larimore, My Favorite Teacher

Hi Taylor,

An excellent story indeed. I would also like to say "thank you" for all of the investment advice you have provided and taught me.

Best.
by abuss368
Mon Nov 17, 2014 8:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 1996

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

Hi Postmon, You have asked a very good question and one that you can only determine the answer too. I would encourage you to read David Swensen's excellent investment book "Unconventional Success" as he presents his point of view in terms of recommending 50% of bonds to Treasuries and the ...
by abuss368
Fri Nov 14, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3587

Re: What Movie Have You Recently Watched?

3 Days to Kill. Kevin Costner.

I liked the movie and it is available on Netflix.
by abuss368
Thu Nov 13, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 215
Views: 16908

Re: I want to be a millionaire, please critique my plan

Uncle Pennybags wrote:
oleblue wrote:
We plan on having kids in 5 years or so. 2 Max.
This has nothing to do with investing but a woman pushing 40 is a bit late to be having children. Does she work for one of those companies who freeze eggs as a benefit?


Seriously?
by abuss368
Thu Nov 13, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to be a millionaire, please critique my plan
Replies: 26
Views: 4427

Re: The Three Fund Portfolio

This brings the question, would the risk be even further reduced if you also have TIPS, REITS and MLPs in your portfolios? If a three fund portfolio existed that included TIPS and MLPs (REITS as Taylor said are already included), would you buy that three fund portfolio over the current three fund p...
by abuss368
Wed Nov 12, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 389180

Re: 30% In International Stocks?

I wholeheartedly agree that "past performance is not a guarantee of future returns". As it is, U.S. stocks are currently going through the roof whereas International stocks aren't doing so well. This coupled with the fact that in the next decade International stocks are projected to be do...
by abuss368
Wed Nov 12, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 53
Views: 4633

Re: Real estate as my "million dollar idea"

niceguy7376 wrote:I too would love to know where a 22K house can rent for $600 per month. I am just curious. If those are the numbers, it is a pretty sweet deal. Almost too good to be true.


Is that a 32% CAP rate?
by abuss368
Wed Nov 12, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6315

Re: 30% In International Stocks?

30% or 40% of equity allocation to International stocks is probably not going to make much difference. Vanguard allocates 30% of equity in both the Life Strategy and Target funds. This was increased from 20% of equity a few years ago. It is more important to not worry about back testing or other rea...
by abuss368
Wed Nov 12, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 53
Views: 4633

Re: International Stock Diversification — A New Look

I have been investing for 20 years now and other than for a short period of thinking I needed to, I do not invest directly in an international fund and so far, I don't feel like I'm missing out. Jack has said numerous times one can do very well holding the Vanguard Balanced Index Fund and that is a...
by abuss368
Tue Nov 11, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5275

Re: new REIT sector may be 11th sector in SP500

This is interesting. Thank you for sharing.
by abuss368
Mon Nov 10, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: new REIT sector may be 11th sector in SP500
Replies: 4
Views: 823

Re: Mr Bogle - 20x p/e warning

Thanks for the link. I have always enjoyed Mr. Bogle's interviews.
by abuss368
Mon Nov 10, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3177

Re: Happy Birthday, Marines!

Hi Rick,

Thank you for your service as a United States Marine. In addition, I would like to thank all of our brave men and women of all branches of the United States Armed Forces.

Best.
by abuss368
Mon Nov 10, 2014 10:13 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 781

Re: Letting go

I think the "issue" may not be the age of the attorney but rather that you have just been introduced to him. Is Vanguard an option? Do they offer trust management services?
by abuss368
Mon Nov 10, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Letting go
Replies: 17
Views: 3123

Re: International Stock Diversification — A New Look

Forget my prior post as the data does include both directions!

Nice analysis!

Thanks!
by abuss368
Mon Nov 10, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5275

Re: International Stock Diversification — A New Look

The data appears to be going only in one direction. What's seems to be missing is the percentage of revenue generated by international companies in US sales. The data would look quite different if international sales in the US was included. Rick Ferri Hi Rick, I liked the original post and thought ...
by abuss368
Mon Nov 10, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5275

Re: How often do you change your car's oil?

Every 5,000 miles or so.
by abuss368
Mon Nov 10, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10933

Re: What is your age and AA?

40 years old (not yet but just about there) with a 70% stock and 30% bond asset allocation.

Stocks are sub allocated 60% US and 40% International.

Best.
by abuss368
Mon Nov 10, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 56142

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Mel Lindauer wrote:
abuss368 wrote:Would anyone be aware when the Q&A to Jack Bogle may be available?


Nothing's changed since the last time you asked and I responded upthread. viewtopic.php?p=2241077#p2241077


Thanks Mel! I am looking forward to it. Perhaps someday I can attend a conference!
by abuss368
Mon Nov 10, 2014 9:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6968

Re: Best budgeting tool given my account situation?

Budgets are manual and take time to do them correctly. Quicken or Excel may be your best option.

We moved to one simple savings and checking account many years ago. We saved a lot of time, eliminated meaninglessness transfer, and had a much better understanding of cash flows.

Best.
by abuss368
Sat Nov 08, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best budgeting tool given my account situation?
Replies: 7
Views: 951

Re: 51 yr old just starting over with employer 401(k)

Would be interested in providing some options however additional information would be helpful.

Do you have any Target Retirement Fund options?
by abuss368
Sat Nov 08, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 51 yr old just starting over with employer 401(k)
Replies: 37
Views: 3233

Re: Do IBonds make sense living in a high inflation area

0% yield! I do not see the upside. All bonds have an expected inflation component. Any good short or intermediate term bond fund will provide safety and income in a portfolio. Total Bond Index and Intermediate Tax Exempt are two very good options.
by abuss368
Sat Nov 08, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2767

Re: Quicken 2015 for Windows - Any reviews?

We used Quicken for many years. If one desires a personal finance software, Quicken is very good. We have been Quicken "free" for many years as we did not need to complexity and did not want to invest the time required any longer.
by abuss368
Sat Nov 08, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 54
Views: 6185

Re: Bogle: No TIPS/Inflation Bonds

Is anyone aware if Jack Bogle discussed TIPS and International bonds at Bogleheads 13?
by abuss368
Sat Nov 08, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: No TIPS/Inflation Bonds
Replies: 36
Views: 7690

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Would anyone be aware when the Q&A to Jack Bogle may be available?
by abuss368
Sat Nov 08, 2014 5:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 6968

Re: Junk bond fund NAVs

I had a family member that invested in Vanguard's High Yield Bond Fund. They soon learned that the "bond" fund acted like both a stock and bond fund. After a while, they sold the fund for an allocation to Total Stock and Total Bond.
by abuss368
Sat Nov 08, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Junk bond fund NAVs
Replies: 86
Views: 5163

Re: The Three Fund Portfolio

Anybody can buy products that produce more current income. They buy riskier assets. Current income, meaning because of the increased risk, it may not last your lifetime, or even 5 years. It might, though. That's the risk they will take. Jack Bogle noted on a recent interview that the further out on...
by abuss368
Sat Nov 08, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 389180

Re: What Movie Have You Recently Watched?

I watched "Patton" (1970) for a leadership paper I had to complete for graduate school. I chose it because I've always been into history in general and WWII specifically. It was also free on Amazon Prime :wink: I have to say it was really good, especially for being so old. George C. Scott...
by abuss368
Sat Nov 08, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 215
Views: 16908

Re: US REITs: An Expanding Market

Bloomberg had an article earlier today regarding Sears considering spinning off all real estate into a REIT. The REIT market continues to grow.
by abuss368
Fri Nov 07, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 30
Views: 4696

Re: Should I buy more REITs?

This was a good thread!
by abuss368
Fri Nov 07, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

Re: 22, I want to be rich, looking for a high reward fund

If you are using a taxable account for retirement savings along with tax advantaged accounts, you should read the wiki on tax efficient fund placement. I would hold either the total international stock fund or the total (domestic) stock fund in the taxable account. Leverage your IRA/TSP for the res...
by abuss368
Fri Nov 07, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6141

Re: Vanguard: "The greatest risk in the market today?"

According to Mr. Davis, much of investors' increased risk-taking is a product of the Fed's policy of zero interest rates. "Low rates on Treasuries have encouraged investors to take on more risk. In recent years, some investors have bet on interest rates by shortening duration—the length of tim...
by abuss368
Fri Nov 07, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard: "The greatest risk in the market today?"
Replies: 5
Views: 2208

Re: Buy commercial real estate

US and International REITs or Direct Single Family Real Estate.
by abuss368
Fri Nov 07, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy commercial real estate
Replies: 18
Views: 2359

Re: Vanguards Personal Investor Sevice

livesoft wrote:There appears to be some miscommunication between you and Vanguard. Too bad they are not available until Monday to straighten this out. You will have to talk to them and communicate clearly.


Vanguard is open Saturday. I have talked to them before on the weekends.
by abuss368
Fri Nov 07, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguards Personal Investor Sevice
Replies: 21
Views: 1840

Re: Vanguards Personal Investor Sevice

we are moving my huband's 401k from his company to a rollover IRA in Vanguard. We are retired. Wehave an appoint with a financial planner to help with location and allocation of these funds that will be coming over as i had asked for help in making the taxable portion more tax efficient. I got a me...
by abuss368
Fri Nov 07, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguards Personal Investor Sevice
Replies: 21
Views: 1840

Re: Buy commercial real estate

When investing in CRE, you can not take at face value what the broker portrays about the property or his underwriting, and the same goes for the seller. You have to do your own due diligence and work up your own pro forma. (I have worked in Commercial RE professionally in acquisitions). If you neve...
by abuss368
Fri Nov 07, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy commercial real estate
Replies: 18
Views: 2359

Re: "An inside look at Vanguard Fixed Income Group"

Interesting article. Thank you for sharing.
by abuss368
Thu Nov 06, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: "An inside look at Vanguard Fixed Income Group"
Replies: 4
Views: 969

Re: 22, I want to be rich, looking for a high reward fund

Matt, I would recommend that you start with a couple of good investing books to expand your knowledge base. Two book that I often recommend are: 1) Jack Bogle "The Little Book of Common Sense Investing" 2) Jack Brennan "Plain Talk On Investing" Reading these two books will be tim...
by abuss368
Thu Nov 06, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6141

Re: 22, I want to be rich, looking for a high reward fund

livesoft wrote:Here is the ticker symbol for a high reward fund:

J.O.B

You gotta get money from somewhere before you invest in equities. Might as well get it from a job or two or three.


Priceless!
by abuss368
Thu Nov 06, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6141

Re: Intermediate Grade Corp vs Intermed Grade Investment?

The Corp fund yield is somewhat higher and is investment grade but is concentrated in financials and industrials. So the higher yield results from the greater risk due to concentration? Any comments on which may be a better choice right now? Hi EdwardL007, Any good short term or intermediate term b...
by abuss368
Thu Nov 06, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 804

Re: "Why Bother With Bonds" -- A Gem

Hi Taylor,

Thank you for the post and the comparison of the various Bond books.

Best.
by abuss368
Wed Nov 05, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 29
Views: 6888
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