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Re: Long term care insurance?

We decided to buy LTCi about fifteen years ago. My wife and I talked it over and it made sense to us. We fell in the zone where Consumer Reports seemed to think it made sense--too poor to say "if it happens we'll just pay for it," but rich enough to afford the insurance. We used an insure...
by abuss368
Tue Dec 16, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 23
Views: 1687

Re: Life Strategy and Target Funds alternative

I might add that Mike Piper personally uses the Vanguard LifeStrategy funds, which are about as pure a one-fund implementation of the three-fund portfolio as you can get. Leeraar: Mr. Piper is a very knowledgeable investor who is on our Panel of Experts at Boglehead Conferences. I agree with Mike t...
by abuss368
Tue Dec 16, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 968
Views: 409269

Re: Bogle on CNBC 12-16-2014: 100% USA squity

itstoomuch wrote:Jack Bogle ,CNBC, 12-16-2014.

5. If you want to do foreign/international - no more than 20%.


http://video.cnbc.com/gallery/?video=3000339706&play=1


No more than 20% of total portfolio or 20% of equity?
by abuss368
Tue Dec 16, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3376

Re: What Movie Have You Recently Watched?

Dutch wrote:The wolf of wall street is now on Netflix.

hilarious :D


I have watched that movie a couple of times and enjoyed it. Very good film!
by abuss368
Tue Dec 16, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 250
Views: 26527

Re: Investment books I have read.

An honest questions, after reading all these books do you still think the best portfolio is a three fund portfolio or is it time for and update/revision of the three fund portfolio? Thanks Interesting question. I think the Three Fund Portfolio is tough to beat. Vanguard disagrees and recently added...
by abuss368
Tue Dec 16, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4248

Re: Investment books I have read.

Taylor - What is the investing book you have not yet read that you are looking forward to reading? If you don't mind I like to add to this, what is the book that you already have read and don't mind reading again? parsi and Miriam: Answer: Mr. Bogle's next book. Best wishes. Taylor Hi Taylor, Do yo...
by abuss368
Tue Dec 16, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4248

Re: What Movie Have You Recently Watched?

House of Cards. Really good show!
by abuss368
Mon Dec 15, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 250
Views: 26527

Re: Investment books I have read.

Taylor,

What a list. You could open a library!

Best.
by abuss368
Mon Dec 15, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4248

Re: TIPS Mutual Funds

So in the bond rout of 2013, Vanguard's Total Bond was down 8.92% and Vanguard Total Bond Market was down only 2.26%. I haven't tried to match those percentage numbers to specific funds, but I assume that the first of these references should actually have been to Vanguard Inflation-Protected Securi...
by abuss368
Sun Dec 14, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2856

Re: TIPS Mutual Funds

Many great comments!

Thanks!
by abuss368
Sat Dec 13, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2856

Re: Portfolio Strategy

Thanks to all Bogleheads for the excellent feedback.
by abuss368
Sat Dec 13, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 19
Views: 1365

TIPS Mutual Funds

Bogleheads, In light of the inflation picture and prospects, and the challenging environment for TIPS funds over the past few years, what are your thoughts on this asset class? Are you considering staying the course, adding this asset class, or have you previously moved out of TIPS funds? Any recent...
by abuss368
Fri Dec 12, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2856

Re: A perverse human characteristic

My question then is why don't more Boglehead investors follow Jack Bogle's simple Balance Fund strategy or the "Two Fund Portfolio" of Total Stock and Total Bond? Abuss: "There seems to be some perverse human characteristic that likes to make easy things difficult." -- Warren Bu...
by abuss368
Thu Dec 11, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4152

Re: Does Mr. Bogle ALWAYS suggest Bonds?

Jack Bogle has always recommended "age in bonds" or something that increases with age. Please consider reading any of his excellent investment books.

Best.
by abuss368
Thu Dec 11, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does Mr. Bogle ALWAYS suggest Bonds?
Replies: 8
Views: 1192

Re: Is the collapse of oil price a "black swan"?

I remember back to when gas and oil was even lower! This feels like a tax cut!
by abuss368
Thu Dec 11, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 87
Views: 7541

Re: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holding

Might Jack Bogle Be Wrong for a Change? Index Fan: These are annualized returns for the last 15 years (longest period on Morningstar's website): 5.26% -- Vanguard Total U.S. Stock Market Index Fund (VTSMX) 3.84% -- Vanguard Total International Stock Market Index Fund (VGTSX) Mr. Bogle is seldom wro...
by abuss368
Thu Dec 11, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4152

Re: Pay down mortgage or do nothing?

If you are paying extra on the mortgage anyway, so that it will be paid off in 20 years, why not refinance to a 15-year mortgage, at a rate around 3%? The payments won't be that much greater, and you will save on interest. I ran this through the calculator at 3%. The payment amounts to $600 more pe...
by abuss368
Thu Dec 11, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or do nothing?
Replies: 27
Views: 2380

Re: Tax Exempt Bond Fund - Question

Yes. Capital Gains.
by abuss368
Wed Dec 10, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bond Fund - Question
Replies: 8
Views: 1064

Re: 'Might Vanguard Founder Jack Bogle Be Wrong for a Change

How will international bonds factor into this?
by abuss368
Wed Dec 10, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4152

Re: Why don't YOU follow Buffett's advice?

stemikger wrote:
gkaplan wrote:I don't follow Buffett's advice, because I am my own person.


Are you sure about that? I just read an article that Warren Buffett is buying 100% of gkaplan for Berkshire. It could be a rumor though.


Is this true?
by abuss368
Wed Dec 10, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7743

Re: How does turnover increase costs?

By increasing a) trading costs, and b) generating a potential tax impact.
by abuss368
Wed Dec 10, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: How does turnover increase costs?
Replies: 12
Views: 486

Re: Poll: Your Portfolio Tax Diversification

Roth, Taxable, and Tax Advantaged.
by abuss368
Wed Dec 10, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2420

Re: Why don't YOU follow Buffett's advice?

scone wrote:Because I don't want to spend the rest of my life reading quarterly reports.


We could all try to follow that strategy, and probably still will not achieve the level of investment success that Warren Buffett has!
by abuss368
Wed Dec 10, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7743

Re: The Core Four

This has been an excellent thread. This thread combined with the "Three Fund Portfolio" are my favorites.

Thank you Rick and Taylor!
by abuss368
Wed Dec 10, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 284
Views: 144235

Re: Why do target date funds get so bond heavy?

Does anyone know the theory behind target date funds very heavy bond allocation at and after the target date has passed? Vanguard's 2010 fund is 62% bond. Research (Bengen, Pfau, etc) has shown that the safe withdrawal rate in retirement is maximized with a bond allocation of 50% to 70%. See page 1...
by abuss368
Wed Dec 10, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do target date funds get so bond heavy?
Replies: 39
Views: 2686

Re: TIPs, Total Bond Market, or Both?

My concern is how the Intermediate Term TIPS fund will react, considering the long duration (i.e. 8+-), with a change in real interest rates.
by abuss368
Wed Dec 10, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3301

Re: I Can't Smell The Coffee [one cup coffee maker]

Lon wrote:I live alone and don't need a eight or ten cup coffee maker. I am happy with my one cup at a time Keurig Coffee Maker using K Cups, but sure miss the smell of brewing coffee.


Hi Lon,

Interesting post. Are you living alone in New Zealand or California? The warm weather!
by abuss368
Wed Dec 10, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4797

Re: Pay down mortgage or do nothing?

Hi Admiral, I often read this question a lot and it is a good one. I fall back on the Balance Sheet. Everyone ahs a Balance Sheet that details all assets, liabilities, and equity. I simply ask: "Why not build both sides of the Balance Sheet over time?" Why is it always one side or another ...
by abuss368
Wed Dec 10, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or do nothing?
Replies: 27
Views: 2380

Re: IRS Investigator viewed my LinkedIn profile?

I can understand why you may be "worried". I would not get upset. If it would amount to anything (i.e. an audit), and your tax return is supported by documentation, there is nothing to be worried about.

Best.
by abuss368
Wed Dec 10, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Investigator viewed my LinkedIn profile?
Replies: 14
Views: 3409

Re: Why don't YOU follow Buffett's advice?

It is a logical question in terms of perhaps the asset classes selected: S%P 500 and Treasuries. However, I would question the allocation of 90% and 10%. A sharp downturn may have an investor running for safety. Size matters with certain areas in life, and an investment portfolio is one of them. Alo...
by abuss368
Wed Dec 10, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7743

Re: Taylor--thank you!!

Taylor,

Thank you for your service to our great country.

I would also like to thank you for helping to further the mission of The Bogleheads!

Best.
by abuss368
Tue Dec 09, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor--thank you!!
Replies: 9
Views: 1103

Re: TIPs, Total Bond Market, or Both?

Hi Doc,

Great points!

Best.
by abuss368
Tue Dec 09, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3301

Re: Thank you, Taylor...

I have learned much form Taylor, and continue to do so. His advice and sharing of wisdom is invaluable.

Thank you Taylor!
by abuss368
Sat Dec 06, 2014 6:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2153

Re: Thank you, Taylor...

More Please wrote:But really, Taylor is the gem.


Indeed!
by abuss368
Sat Dec 06, 2014 6:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2153

Re: TIPs, Total Bond Market, or Both?

Any good low cost short or intermediate term bond fund will do the job of providing safety and income to a portfolio.

Hopefully Taylor will see this post and provide his perspective.

Best.
by abuss368
Sat Dec 06, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3301

Re: TIPs, Total Bond Market, or Both?

It was not that long ago that TIPS were highly recommended.
by abuss368
Fri Dec 05, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3301

Re: There's a difference between asset classes and indexes

Hi Rick,

Thank you for the article as the content was very informative and beneficial.

Best.
by abuss368
Fri Dec 05, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: There's a difference between asset classes and indexes
Replies: 3
Views: 854

Re: MLP ETFs

Back in our "evil" stock picking days, when we thought we were smarter than other investors, we invested in a lot of MLP's recommended from a newsletter we followed. MLP's such as Enterprise Product Partners, Amerigas, Kinder Morgan, a couple of Teekay companies (shipping) come to mind. Li...
by abuss368
Fri Dec 05, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP ETFs
Replies: 14
Views: 1241

Re: should I buy in Record High? S&P 500

It is always a great time to invest and then stay the course!
by abuss368
Fri Dec 05, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 35
Views: 2670

Re: The Core Four

Thanks Rick--I appreciate the response. One more question-- why is real estate so under-represented? Is this something to do with real estate business models? Or is this under-representation common across many different sectors, and real estate is singled out due to perceived differences (in terms ...
by abuss368
Fri Dec 05, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 284
Views: 144235

Re: Help with taxable account (conservative)

ugaDAWGS09 wrote:I'm definitely considering the fund. Is a much more tax-efficient to choose individual funds (total market, total international, intermediate tax exempt) vs the single balanced fund?


I would expect over the long term that is probably will not make much difference.
by abuss368
Fri Dec 05, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account (conservative)
Replies: 21
Views: 871

Re: Help with taxable account (conservative)

What are the differences in the bonds being held in the lifestrategy fund and the Wellesley fund? Are they similar to intermediate term-tax exempt (municipals)? And which bonds are most interest rate sensitive, or which funds stands to lose the most as interest rates rise? My understanding is Life ...
by abuss368
Fri Dec 05, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account (conservative)
Replies: 21
Views: 871

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Nothing new from Jack Bogle as he has always mentioned if an investor is going to invest in international to allocate no more than 20% of equity. Vanguard has been increasing this allocation over the years. Presently, both the Target and Life Strategy funds allocate 30% of equity to international. V...
by abuss368
Fri Dec 05, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 10902

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

Incredible. I will continue to follow the investment advice from experts such as Jack Bogle, David Swensen, Warren Buffett, and Rick Ferri.

Best.
by abuss368
Fri Dec 05, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3244

Re: Help with taxable account (conservative)

I would make sure you and your spouse are on the same page in terms of both the overall risk and the purpose of the account. During bear markets, equities can decrease in value by half or more. You have to prepare yourself as best as you can for the inevitable downturns. If you decide to invest thes...
by abuss368
Fri Dec 05, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account (conservative)
Replies: 21
Views: 871

Re: "Small-Cap Performance Edge on the Wane"

Reversion to the mean? Stay the course?

Thank you Jack Bogle!
by abuss368
Fri Dec 05, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7186

Re: Vanguard calls for boardrooms shake-up

This is good for Vanguard in terms of leading by example.

Thank you for sharing.
by abuss368
Fri Dec 05, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard calls for boardrooms shake-up
Replies: 15
Views: 1487

Re: Convert Roth IRA to Traditional IRA

Hi ThankYouJack,

It appears that you have received excellent advice and from my understanding the advice appears correct of your questions.

Best.
by abuss368
Fri Dec 05, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert Roth IRA to Traditional IRA
Replies: 8
Views: 936
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