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Re: REITs and Bonds, Little tax advantaged space. Var annuit

Do the rental properties have depreciation expense?
by abuss368
Wed Mar 04, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITs and Bonds, Little tax advantaged space. Var annuity?
Replies: 10
Views: 517

Re: Arguing Dental Bill

Try to understand your insurance as best you can going forward. Pay the invoice for services rendered.
by abuss368
Wed Mar 04, 2015 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 30
Views: 1618

Re: What is your credit score?

Over 800!
by abuss368
Wed Mar 04, 2015 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 20
Views: 1221

Re: Vanguard funds suitable for retirement vs non

Consider the Three Fund Portfolio with Intermediate Tax Exempt Bond Fund.
by abuss368
Wed Mar 04, 2015 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds suitable for retirement vs non
Replies: 4
Views: 443

Re: The Three Fund Portfolio

Decided to go with a Schwab ETF version of the 3 Fund Portfolio. My question centers around the weighting of the 3 International funds. Your thoughts? SCHB US Broad Market SCHZ. US Aggregate Bond SCHC International Small Cap Equity SCHF international Equity SCHE Emerging Market Equity macav933: In ...
by abuss368
Wed Mar 04, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1025
Views: 459620

Re: International increase in Target Retirement & LifeStrate

International bonds do not seem popular. What happens to this asset class during the next debt crisis?
by abuss368
Wed Mar 04, 2015 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9664

Re: Wife tired of saving...

livesoft wrote:We bought less as we got older.


I have found we bought less as we got older too.
by abuss368
Wed Mar 04, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 84
Views: 5041

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

So sad and unfortunate. I read The Millionaire Next Door many years ago and it had an impact on me.

RIP.
by abuss368
Mon Mar 02, 2015 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 53
Views: 8325

Re: Taxes on Qualified Dividends (CA resident)

You appear to have a good understanding and explained your situation well.

Best.
by abuss368
Mon Mar 02, 2015 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Qualified Dividends (CA resident)
Replies: 3
Views: 266

Re: Yale U Unconventional -----question on intl. stock holdi

Recently I saw this posted (elsewhere) as the Yale U unconventional. I'm curious what people's thoughts are on the international holdings. This post states that VG total international stock is basically the same as 15% in Developed market index funds and 5% Emerging markets. Is this true? The portf...
by abuss368
Mon Mar 02, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yale U Unconventional -----question on intl. stock holdings
Replies: 5
Views: 681

Re: Taylor Larimore Honored

Congratulations Taylor!
by abuss368
Mon Mar 02, 2015 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4373

Re: Rick Ferri looking to internationalize his portfolio

Posters are actually saying they are increasing their international holdings based on this thread! It would be ironic if Rick's stated plan actually worked and international equities tanked this year due to a sovereign debt default or two and these posters lost money due to the influence of this bi...
by abuss368
Sun Mar 01, 2015 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36040

Re: Rick Ferri looking to internationalize his portfolio

Posters are actually saying they are increasing their international holdings based on this thread! It would be ironic if Rick's stated plan actually worked and international equities tanked this year due to a sovereign debt default or two and these posters lost money due to the influence of this bi...
by abuss368
Sun Mar 01, 2015 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36040

Re: What Movie Have You Recently Watched?

Saints and Soldiers
by abuss368
Sun Mar 01, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70641

Re: Investing 1 Mill for 75 year old parent

beaujolais wrote:
abuss368 wrote:Vanguard Target Retirement Income Fund.


Happen to know what the equivalent fund (if there is one) is at Fidelity?

Also - should we put this into the fund gradually or all at once?

Thanks


I am not familiar with Fidelity.

Best.
by abuss368
Sun Mar 01, 2015 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing 1 Mill for 75 year old parent
Replies: 18
Views: 1663

Re: Investing 1 Mill for 75 year old parent

Vanguard Target Retirement Income Fund.
by abuss368
Sun Mar 01, 2015 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing 1 Mill for 75 year old parent
Replies: 18
Views: 1663

Re: Rick Ferri looking to internationalize his portfolio

After reading Mr. Ferri's blog, I would tend to agree with his thesis. What Vanguard funds would be considered if I wish to follow in-step with Rick? I'm assuming he would be allocating more to funds such as VEU and VWO from VTI? How about bonds allocation? Rick has recommended Emerging Markets bon...
by abuss368
Sun Mar 01, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36040

Re: International increase in Target Retirement & LifeStrate

fortyofforty wrote:I take it this move did not require a proxy vote by the shareholders?


Is that required?
by abuss368
Sat Feb 28, 2015 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9664

Re: International increase in Target Retirement & LifeStrate

I wrote this exact post a year or two ago that 40% was right around the corner. It was obvious. No surprise here. Next is 50% US & 50% International.
by abuss368
Fri Feb 27, 2015 12:41 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9664

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: 56
Views: 8075

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: 38
Views: 2768

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: 32
Views: 2477

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: 32
Views: 2477

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: 56
Views: 8075

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: 56
Views: 8075

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: 705

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: 3512

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: 7133

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: 14
Views: 1611

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: 722

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: 1841

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: 3113

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: 722

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: 2400

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: 1841

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: 2400

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: 722

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: 722

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: 1841

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: 3079

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: 7133

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: 3113

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: 323

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: 718

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: 1588

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: 14921

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: 477

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: 296
Views: 36040

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: 749

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: 13112
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