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Re: how often do you look at your account

A few times a week. I guess years ago with paper statements, less was probably fine. In today's cyber crime world, I guess I can not help but to check more frequently. I add to our accounts every other week. I used to have it set up automatic but now I simply buy more shares of whatever fund is belo...
by abuss368
Mon Jul 21, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3382

Re: Hw many credit cards to own?

For the most part we have one credit card. All transactions are recorded here. We also have two other credit cards: 1) Kohl's and 2) Old Navy. My spouse uses these cards once in a while strictly for the coupons and discounts. These are paid immediately. If it were up to me, I would close these two c...
by abuss368
Mon Jul 21, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 56
Views: 2453

Re: "Beating the Market is Amazingly Hard"

Bogleheads: Jason Zweig, a respected columnist for The Wall Street Journal , wrote: Some academic research I read showed "conclusively" that, over time, small stocks would outperform big ones, value stocks would beat growth stocks, and companies that paid dividends would have better retur...
by abuss368
Mon Jul 21, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6121

Re: Planning my non-retirement investment portfolio

A couple of quick points to consider: 1) Simplicity - select a Target 2045 or 2050 and combine in the retirement accounts. No need for both funds. Review the underlying asset allocation and select the one that works for you based on timeframe, tolerance for risks, and overall goals. 2) Accounts - ca...
by abuss368
Mon Jul 21, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning my non-retirement investment portfolio
Replies: 5
Views: 1122

Re: NY Times Article - a case for index investing

gkaplan wrote:I found it ironic that this article had a Raymond James ad.


You and me both!

Overall good article and thank you for sharing.

Best.
by abuss368
Mon Jul 21, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 15
Views: 2186

Re: Poll - Do you use Quicken?

We used it for 10 years and overall we liked the program. However, we have been "Quicken Free" for 5 years. At the end our frustration was growing and the inability to convert Investor shares to Admiral shares resulted in us pulling the plug. Now as the multi year transition away form Wind...
by abuss368
Mon Jul 21, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 57
Views: 1990

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

Tilt's in general and as an example small, value, REITs, international small, etc. may all work at one time or another. The important point is to find the portfolio that works for you, allows one to sleep at night, and stay the course in all markets.

Best.
by abuss368
Mon Jul 21, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6121

Re: The Three Fund Portfolio

I am not able to find the source, but this is what it said. S&P500 owns 50% of commercial real estate in USA. Example: mcdonalds owns very nice prime locations of NYC street corners, similarly many shipping companies may own warehouse real estates, but those companies won't be treated as REIT t...
by abuss368
Mon Jul 21, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 314696

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

I enjoyed this latest post from Rick. Always well written and informative. It almost feels as if Rick is becoming a bigger supporter of the Three Fund Portfolio as the years go on!

Best.
by abuss368
Mon Jul 21, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6121

Poll - Do you use Quicken?

How many Bogleheads use Quicken?

Do you use it for Windows or Mac?

What are your thoughts with the whole investor to Admiral share conversions? Has this been improved with some new "mutual fund conversion" feature that I am reading about?
by abuss368
Mon Jul 21, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 57
Views: 1990

Re: POLL: Do you have a dedicated REIT allocation?

asif408 wrote:Essentially I have a 3 fund portfolio + a REIT fund (Rick Ferri's Core Four Portfolio).


Rick Ferri's Core Four portfolio is very hard to beat!

Thank you Rick!
by abuss368
Fri Jul 18, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6675

Re: POLL: Do you have a dedicated REIT allocation?

I would be interested in an update on how many Bogleheads combine the US REITs with International REITs. Vanguard's International REIT index fund has been steadily declining the expense ratio as the funds grows in size.
by abuss368
Fri Jul 18, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6675

Re: POLL: Do you have a dedicated REIT allocation?

I voted "yes" and it is approximately 20% of our portfolio as David Swensen recommends in the excellent book "Unconventional Success". We have allocated the real estate portion 60% to US REITs and 40% to International REITs. The combined diversification of approximately 125 US en...
by abuss368
Fri Jul 18, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6675

Re: Moving from Edward Jones to Vanguard

Look on the bright side: it is only 8 years and not an entire lifetime of investing! I would look into selling the American Funds after transferring to Vanguard. Perhaps this will save on selling commissions. That could save you a few pennies. Do you have losses to offset the gains? You want to move...
by abuss368
Fri Jul 18, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1162

Re: I'm a genius!

Hi HomerJ,

Excellent post in 2009 and very true!

You may not know it, but during the financial crisis, every little bit of support on this forum, including your message, helps Bogleheads.

Best.
by abuss368
Thu Jul 17, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: I'm a genius!
Replies: 14
Views: 3506

Re: Poll - Do You Read Businessweek?

I would like to thank everyone for the excellent responses thus far.

Does anyone feel that there is any overlap with The Wall Street Journal?
by abuss368
Thu Jul 17, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1802

Poll - Do You Read Businessweek?

How many Bogleheads read Businessweek?
by abuss368
Thu Jul 17, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1802

Re: Vanguard recommending international bond....

What troubles me when looking at the prospectus is that 72% of the fund is invested in 7 countries such as: Japan (22.2%), France (11.5%), Germany (10.9%), United Kingdom (8.4%), Italy (8.2%), Spain (5.6%), and Canada (5.5%). Germany has been leading the Euro and excluding Canada, that is not an att...
by abuss368
Sun Jul 13, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard recommending international bond....
Replies: 44
Views: 5904

Re: Short-Term CDs vs Saving Account on Ally

I would pass. It is a real struggle to find rates that are the least bit competitive in the current interest rate environment.
by abuss368
Sun Jul 13, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Short-Term CDs vs Saving Account on Ally
Replies: 5
Views: 875

Re: Gold, Silver, Copper

To me, this is speculation. If perhaps the investor would like to allocate a percentage of the portfolio to precious metals, and will sleep better at night, then go for it. I follow the advice of Jack Bogle,... and Warren Buffett and that is there are no earnings and no dividends. I would rather ow...
by abuss368
Sun Jul 13, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 39
Views: 3096

Re: The Three Fund Portfolio

I am following Taylor's general guidance by utilizing a 4-fund portfolio - splitting bond investments equally between Vanguard TBM and Vanguard TIPS....any thoughts or input? Your strategy appears to be very reasonable. Many Bogleheads often recommend a 20% - 50% allocation of fixed income to TIPS....
by abuss368
Sun Jul 13, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 314696

Re: Gold, Silver, Copper

To me, this is speculation. If perhaps the investor would like to allocate a percentage of the portfolio to precious metals, and will sleep better at night, then go for it. I follow the advice of Jack Bogle, Rick Ferri, David Swensen, and Warren Buffett and that is there are no earnings and no divid...
by abuss368
Fri Jul 11, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 39
Views: 3096

Re: GOLD, SILVER, COPPER

MassInvestor wrote:Time to rip the plumbing out of the wall


Priceless.
by abuss368
Fri Jul 11, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 39
Views: 3096

Re: How to Handle a Multi-Generational Trust

...I believe the trust would file a tax return? ... Yes, that is what I have been told. I or my trustees can file the tax return or I can have the trust administered by Vanguard and they can prepare and file the tax return. For the trust(s) in under your Will, you'll be dead, so you won't be filing...
by abuss368
Fri Jul 11, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2616

Re: Pull-ups and Push-ups

This week, I finally got my push-ups back to where they were a few years ago - 17 reps max effort. As VictoriaF notes - I'm judging against what I know I can do myself. I'll always strive for more. But if I hit a wall, that's fine. I tried my best. Hi LadyGeek, Good for you! The most important part...
by abuss368
Fri Jul 11, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39315

Re: The value of a ROTH conversion in retirement

There is a huge mental aspect of knowing that income taxes will not be owed on any withdrawals from a Roth IRA.

That simplifies planning.
by abuss368
Fri Jul 11, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: The value of a ROTH conversion in retirement
Replies: 21
Views: 2771

Re: Vanguard - Energy Fund

. . .To me it is clear by the results of the poll question, with approximately 70% a "no" and 30% a "yes" that the energy fund is not essential to portfolio construction. Best. I agree with your conclusion but not your logic. A 70% "no" vs 30% "yes" from othe...
by abuss368
Fri Jul 11, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3792

Re: What Book Are You Currently Reading? Part V

We are going to start reading "The E Myth Accountant". This is a breakout book from the original "The E Myth".
by abuss368
Fri Jul 11, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3094
Views: 987745

Re: Vanguard - Energy Fund

I would like to thank everyone for the excellent replies thus far. To me it is clear by the results of the poll question, with approximately 70% a "no" and 30% a "yes" that the energy fund is not essential to portfolio construction.

Best.
by abuss368
Wed Jul 09, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3792

Re: Intermediate TIPS fund

pingo wrote:I like abuss368's threads. :happy


Thanks pingo!

That was a nice complement and made my night!

This is a great forum dedicated to the investment advice inspired by Jack Bogle!
by abuss368
Wed Jul 09, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2570

Re: Dodge & Cox - Global Bond Fund on the way

I don't know. I am still not sold on international bonds as an asset class. To many investment experts that I follow and respect are saying the opposite: to avoid this asset class!
by abuss368
Wed Jul 09, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 27
Views: 3989

Re: What Book Are You Currently Reading? Part V

I finished reading "The E Myth" and I must say I really enjoyed the book and found the information very informative and interesting.
by abuss368
Wed Jul 09, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3094
Views: 987745

Re: "If You Can"

Bogleheads: Bill Bernstein may be the most intelligent man (and one of the nicest) I ever met. He recommends The Three Fund Portfolio (without international bonds) in his latest book: If You Can Best wishes. Taylor I enjoyed this article and found the advice very good. Since Vanguard launched the n...
by abuss368
Wed Jul 09, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 314696

Re: The Three Fund Portfolio

In my case, the bond fund is the Vanguard Intermediate Term Tax Exempt fund, because more than 90 percent of my portfolio is in a taxable account. I have always found the Three Fund Portfolio interesting from the bond aspect. The Three Fund Portfolio, as recommended by Taylor, has never been compli...
by abuss368
Wed Jul 09, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 314696

Re: The value of a ROTH conversion in retirement

We converted everything to Roth IRA's over the past few years and we are very pleased with the decision. Yes, the taxes must be paid, but after it is all said and done, it is a nice relief knowing that taxes will not be due at retirement. One additional advantage of Roth IRA's that is not mentioned ...
by abuss368
Wed Jul 09, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: The value of a ROTH conversion in retirement
Replies: 21
Views: 2771

Re: How to Handle a Multi-Generational Trust

I am interested in the responses considering everything is in a taxable account with no tax advantaged in terms of the bond options.

I believe the trust would file a tax return?
by abuss368
Wed Jul 09, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Handle a Multi-Generational Trust
Replies: 23
Views: 2616

Re: Intermediate TIPS fund

We might have common ground, pingo, except for one thing. Abuss charges clients for investment advice. He presents himself as an expert, tells them to act in what can only be a manner contrary to their interests because it's based on logical fallacies, then asks us for validation. Under those circu...
by abuss368
Mon Jul 07, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2570

Re: Bernstein: Don’t Bother With International Bonds

This thread has further convinced me to stay with the US for the bond portion and listen to David Swensen, Jack Bogle, Rick Ferri, and Dr. Bernstein.
by abuss368
Wed Jul 02, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Intermediate TIPS fund

The duration and low dividend income has always bothered me!
by abuss368
Wed Jul 02, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2570

Re: The Risk of Short-term Bond Funds

abuss368 You're forgetting that the short-term bond fund also has interest rate risk. The duration is 2.7 years. If rates where to jump by 3% overnight, the NAV would fall by about 8.1% theoretically. So, you'd still be ahead over the entire period with a Total Bond Market index fund. Rick Ferri Wh...
by abuss368
Wed Jul 02, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10106

Re: The Risk of Short-term Bond Funds

abuss368 You're forgetting that the short-term bond fund also has interest rate risk. The duration is 2.7 years. If rates where to jump by 3% overnight, the NAV would fall by about 8.1% theoretically. So, you'd still be ahead over the entire period with a Total Bond Market index fund. Rick Ferri I ...
by abuss368
Wed Jul 02, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10106

Re: TV show recommendations?

Tried the new show The Last Ship in TBS and it was not bad. I will watch the next episode.
by abuss368
Wed Jul 02, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119380

Intermediate TIPS fund

What does everyone think of the Vanguard Intermediate TIPS fund YTD? Big difference from the 9% loss last year. The year to date dividend income is .12 through June 2014.

Thoughts? has anyone taken a position or sold one this year?
by abuss368
Wed Jul 02, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2570

Re: Allocating a 3-fund portfolio over 2 IRAs

Warren Buffett's mentor, Benjamin Graham, has advised no less than 25% in bonds for any portfolio.
by abuss368
Wed Jul 02, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocating a 3-fund portfolio over 2 IRAs
Replies: 27
Views: 1397

Re: The Risk of Short-term Bond Funds

Hi Rick, I have a question on the risk of the Total Bond Index fund that you discussed in the article. You stated that "VBTLX investors would still be ahead of VBRIX investors even if interest rates jumped by 3 percent this year." The Total Bond Index fund has a duration of 5.6 as noted in...
by abuss368
Wed Jul 02, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10106

Re: The Risk of Short-term Bond Funds

Excellent article Rick! I am glad we "stayed the course" with our intermediate term bond funds.

I would be interested in a comparison to the Intermediate Term TIPS fund or would this be apples to oranges?
by abuss368
Wed Jul 02, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10106

Re: After death, is an HSA still an HSA?

HSA's are still kind of new and evolving. It will be interesting to see how this plays out in the future. I like the overall concept and have an account however, I am still a little cautious of having a large balance at this time.
by abuss368
Wed Jul 02, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: After death, is an HSA still an HSA?
Replies: 9
Views: 1158

Re: Do you set financial goals annually?

I typically do in terms of a back of the envelop "numbers" for total dividend income, account balances, contributions, debt repayments, etc.

Nothing formal but something to work towards.
by abuss368
Wed Jul 02, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you set financial goals annually?
Replies: 44
Views: 2373

Re: Budget or create saving buckets?

We do not prepare a budget. However, we allocate funds to savings to reach goals and pay for future planned expenses. We use a simple one page Microsoft Excel spreadsheet with a few columns. This has worked very well over the years and is better for us than Quicken.
by abuss368
Wed Jul 02, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7244

Re: Anyone Actually Using Quicken on a Mac?

Snapper wrote:Gave up on Quicken years ago. I use ibank and am very happy with it. No issues at all converting a very large old quicken file to it.


Is iBank an Apple product only?
by abuss368
Wed Jul 02, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Actually Using Quicken on a Mac?
Replies: 14
Views: 970
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