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Re: Vanguard sued for charging too little

$1.5 BILLION contingency fund? Interesting to see how this will develop.

Thank you for sharing.
by abuss368
Sat Jul 26, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10561

Re: Make Income the Outcome

avalpert wrote:
abuss368 wrote:Like any business decision or investment: it is all about the cash flow!

Best.

No, it really isn't - that is how people get duped into bad annuity type products.


All investments should provide some form of cash flow.
by abuss368
Sat Jul 26, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: POLL: Do you own corporate bonds?

I voted "yes" as part of Total Bond Index fund. We have a straight forward bond strategy. Total Bond in the Roth IRA's and Intermediate Term Tax Exempt in taxable. Simple and effective. Perhaps TIPS someday. No interest in the new Total International Bond Index which would have foreign tre...
by abuss368
Fri Jul 25, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2087

Re: "What Has Time Taught Bill Bernstein?"

Excellent article Taylor.

Thank you for sharing.
by abuss368
Fri Jul 25, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 3881

Re: The Three Fund Portfolio

While I really like The Three Fund Portfolio and recommend it to most Bogleheads and investors, I will say I am noticing a clear trend with Vanguard. That is The Three Fund Portfolio is (or has become) The Four Fund Portfolio. The inclusion of the new Total International Bond Index Fund and the mark...
by abuss368
Fri Jul 25, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 822
Views: 320020

Re: Make Income the Outcome

Like any business decision or investment: it is all about the cash flow!

Best.
by abuss368
Fri Jul 25, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: Wall Street Journal Subscription Increase

I will admit however, I really do enjoy reading the print publication. I have not used the online version. I guess the fact that I am on a computer all day it is refreshing to hold a newspaper in your hands! I have found that if one reads The Wall Street Journal, there really is not a need for any o...
by abuss368
Fri Jul 25, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1365

Re: Verizon Issue advice

I am sorry about your Mom. God bless you and your family.

Best.
by abuss368
Fri Jul 25, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1256

Re: Wall Street Journal Subscription Increase

livesoft wrote:You weren't using your Goldman Sachs office for the delivery address, were you?


Priceless. Try Omaha, Nebraska as your next address!
by abuss368
Fri Jul 25, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1365

Re: Make Income the Outcome

For us, as we get older, the account balance has become second on the priority scale. We have been watching the dividend stream from the Total Market Index funds we invest in grow each with compounding and new contributions. For us this is number one. Somehow it doesn't seem to me that ignoring tot...
by abuss368
Fri Jul 25, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

I have always been very impressed with Rick Ferri and have learned a tremendous amount in terms of investing from him.

Best.
by abuss368
Fri Jul 25, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3080

Re: Verizon Issue advice

Try the BBB or even a State Representative. I have seen that work before.

We typically have all automatic payments linked to the credit card when possible and if there are no fees. I try to put as large a "moat" as possible between our cash and second parties.

Best.
by abuss368
Fri Jul 25, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1256

Re: Wall Street Journal Subscription Increase

Wait a couple of weeks. You are probably going to get introductory offers!
by abuss368
Fri Jul 25, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1365

Re: The article on tax efficient placement needs to be rewri

This post for me clearly reinforces one thing again with this subject: We can all agree to disagree. I found Rick Ferri's thread over the years very beneficial in terms of we are all Bogleheads that share the same philosophy. It is the strategy where we are different. Who is to say one strategy is b...
by abuss368
Fri Jul 25, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: Make Income the Outcome

For us, as we get older, the account balance has become second on the priority scale. We have been watching the dividend stream from the Total Market Index funds we invest in grow each with compounding and new contributions. For us this is number one. Somehow it doesn't seem to me that ignoring tot...
by abuss368
Fri Jul 25, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: The article on tax efficient placement needs to be rewri

Since no one can agree, I do the best of both worlds. I split my bond allocation ~50/50 into total bond in 401K and tax exempt intermediate term in taxable. Although I admit it is a bit more risky, I can mitigate that risk by slightly increasing my bond allocation. This 4 fund portfolio I believe o...
by abuss368
Fri Jul 25, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: Make Income the Outcome

thx1138 wrote:
abuss368 wrote:Could one even imagine? 14% tax free (on that balance).


Well, if it was 1980 that was a real return of about 1%


Good point!
by abuss368
Fri Jul 25, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: The article on tax efficient placement needs to be rewri

The 25% dividend tax rate in a taxable account wouldn't apply for people invested in VTI (or any other index) which gives qualified dividends. Bond dividends would be taxed at 25% but VTI dividends would be taxed at 15%. That's one of the reasons why my entire taxable account (much smaller than my ...
by abuss368
Fri Jul 25, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: Make Income the Outcome

For us, as we get older, the account balance has become second on the priority scale. We have been watching the dividend stream from the Total Market Index funds we invest in grow each with compounding and new contributions. For us this is number one.
by abuss368
Fri Jul 25, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: Make Income the Outcome

DonCamillo wrote:I remember about 1980 when one of my father's best friends retired, withdrew $10,000,000 from his Goldman Sachs partnership account, and invested it in tax free municipals at 14%. That opportunity has never come again.


Could one even imagine? 14% tax free (on that balance).

Best.
by abuss368
Fri Jul 25, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3815

Re: The article on tax efficient placement needs to be rewri

Why not just simply use a strategy of "equal location" as Rick Ferri recommends?
by abuss368
Fri Jul 25, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: Poll - Do you use Quicken?

Has anyone used the "mutual fund conversion" feature in the new version? How does that work with the Investor Shares to Admiral Shares conversion? Are there rounding problems?
by abuss368
Fri Jul 25, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3291

Re: Retirement Portfolio Proposal

I wanted to provide another important update. Since I was able to pin down our Asset Allocation and then work out all the numbers of my dads PORTFOLIO, I had enough information to check the Asset Allocation of my dads TOTAL Assets, not just his portfolio. What I mean is that I put the BONDS + Cash ...
by abuss368
Fri Jul 25, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: The article on tax efficient placement needs to be rewri

Now I don't know what to believe. I'm tempted to just ignore tax efficiency altogether since the effect seems trivial and there are bigger issues. Hi rca1824, I figured out over time that I needed to step back and look at the big picture in terms of investing and financial success: 1) Spend less th...
by abuss368
Thu Jul 24, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: The article on tax efficient placement needs to be rewri

Oh no another post on "equal location" compared to "asset location". This debate no longer gets us stressed and I no longer even bother reading all the math. One can go on the internet and find supporting articles and research detailing the advantages and disadvantages to both me...
by abuss368
Thu Jul 24, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4054

Re: Financial Times Article on Vanguard.

Thank you for the article and Thank you Jack Bogle for your vision and the creation of Vanguard!
by abuss368
Thu Jul 24, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2688

Re: Dividend Growth Investing vs Index Funds

I was checking out his website and I really liked how he listed the total dividend income by year. The list detailed the incredible growth that is compounding. We pretty much do the same thing in Excel with our index funds. It has been motivating and fun to watch it grow each year.

Best.
by abuss368
Thu Jul 24, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 14
Views: 1149

Re: Dividend Growth Investing vs Index Funds

Our plan and goal is to invest enough in Total Market Index Funds where the dividends are more than enough to live from in retirement.

Best.
by abuss368
Thu Jul 24, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 14
Views: 1149

Re: Will not using my dishwasher cause problems?

Toons wrote:I turn the dishwasher on,then go sit down and peruse the Boglehead site. :sharebeer


Priceless.
by abuss368
Thu Jul 24, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1986

Re: Need Guidance

Thanks for the feedback so far. I pretty much have an idea of what my plan of action is moving forward. -minimum on house - minimum on loans - save like crazy -Get emergency fund to a decent position -Start Roth IRA - Pay down car payment Hi TexasTeacher, Excellent plan. This is exactly what I advi...
by abuss368
Thu Jul 24, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Need Guidance [Chapter 7 Bankruptcy]
Replies: 7
Views: 728

Re: Retirement Portfolio Proposal

BigPrince, I'm in a similar situation, turn 58 in August and planning to retire around YE or early in 2015. FWIW, my plan is a 60/40 allocation to stock/bonds with 25% of stocks in international. Majority of assets in simple 3-fund portfolio. Exception to this are older VG funds with large LTCG and...
by abuss368
Thu Jul 24, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: Retirement Portfolio Proposal

BigPrince wrote:We are going to increase the bond allocation and also shrink the emergency fund a little. Once we give it more thought, I will be sure to update the post. Thanks.


I think this is a good idea. Increase the bond allocation and decrease the cash balance and then step back and provide a new update.
by abuss368
Thu Jul 24, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: Old Mortgage about to 'fall off' credit report - now wha

I would not worry about it. We have the same situation where an older mortgage is in the process of falling off too. The bank was not worried in terms of preapproval for a new loan and home.

Best.
by abuss368
Thu Jul 24, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Old Mortgage about to 'fall off' credit report - now what?
Replies: 13
Views: 1410

Re: Will baby boomers retiring spell doom for the markets

I do remember reading a article or interview on Vanguard's website regarding this subject. Vanguard's opinion was the outflow of funds from the Baby Boomers would be offset with inflow from new funds. Interesting times.
by abuss368
Thu Jul 24, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 5378

Re: Cheap Wall St Journal?

I remember the days of cancelling and they would offer a new reduced rate within a week or so! Still The Wall Street Journal is my favorite newspaper and business publication. If you read it, I do not believe one needs any other newspapers or magazines (i.e. Forbes, BusinessWeek, Fortune, etc.). Best.
by abuss368
Wed Jul 23, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 64
Views: 8008

Re: Which Bernstein Book?

All books written about and by Jack Bogle.

Jack Brennan - Plain Talk on Investing

David Swensen - Unconventional Success

Rick Ferri - all books.

Best.
by abuss368
Wed Jul 23, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 27
Views: 1893

Re: Will not using my dishwasher cause problems?

Good question. We purchased a new one a couple of years ago and were advised to at least periodically use them.
by abuss368
Wed Jul 23, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1986

Re: Retirement Portfolio Proposal

Now if someone were to go past 50/50, where is the next line in the sand for a Boglehead or does a Boglehead not fathom such a possibility? Hi BigPrince, To provide some type of perspective, the Vanguard Target Retirement Fund "settles" at a 30% stock and 70% bond allocation where it then...
by abuss368
Wed Jul 23, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: VG Admiral Fund-falling below minimum investment

From the Total International Index prospectus: Mandatory Conversions to Another Share Class If an account no longer meets the balance requirements for a share class, Vanguard may automatically convert the shares in the account to another share class, as appropriate. A decline in the account balance...
by abuss368
Wed Jul 23, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3324

Re: VG Admiral Fund-falling below minimum investment

Workinghard wrote:I was told funds would automatically convert to Admiral shares, but I've had to request that it be done. Easy enough to do with a phone call.


Hi Workinghard,

You can very easily convert to Admiral shares when signing in to your accounts online.

Best.
by abuss368
Wed Jul 23, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3324

Re: VG Admiral Fund-falling below minimum investment

I talked with Vanguard about this a few years ago and their response was the minimum thresholds are reviewed each quarter. Vanguard will adjust to Admiral or Investor shares as needed.

Best.
by abuss368
Wed Jul 23, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3324

Re: Do you own a DOW30 or NASDAQ100 index fund?

I voted "no" as our strategy is to invest in "Total" market index funds.

Best.
by abuss368
Wed Jul 23, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 14
Views: 748

Re: Individual MBS & UITs in taxable account

Crow Hunter wrote:I have inherited 3 individual Mortgage Backed Securities and 3 UITs in a taxable account.

WAMU 11/25/33 5.5% $15,000
GMAC 06/25/34 5.75% $8,000
BofA 03/25/35 5.05% $8,000



The years 2033 - 2035 is a long time away.
by abuss368
Wed Jul 23, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 540

Re: Individual MBS & UITs in taxable account

Personally, I am not interested in anything complex, costly, etc. when I can invest in simple and very effective mutual funds.

I would simply call Vanguard and sell the securities and invest the proceeds in index funds as you noted.

Best.
by abuss368
Wed Jul 23, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual MBS & UITs in taxable account
Replies: 16
Views: 540

Re: Bloomberg rates Large Company 401k plans

I did see this article and it was interesting.

Thank you for sharing with the forum.
by abuss368
Wed Jul 23, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2255

Re: Help me choose a new tv

We did purchase the TV at Best Buy. I just could not get onboard with the offerings at Walmart.
by abuss368
Wed Jul 23, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1703

Re: Retirement Portfolio Proposal

Hi BigPrince, Here are some additional thoughts and points to consider: 1) An investor has to be prepared for equities to decrease 30%, 40%, 50%, or even more. No one knows when, if ever, they will recover (i.e. Japan for the last 20 years). 2) When we are working and still making contributions to o...
by abuss368
Wed Jul 23, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: Retirement Portfolio Proposal

Hi BigPrince, Here are my thoughts. Your Dad is at a crossroads between early retirement and thus the need for continued growth but also protecting what he has accumulated thus far. Most Bogleheads recommend "age in bonds" as Jack Bogle has so often taught us, or perhaps "age less 10&...
by abuss368
Wed Jul 23, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2505

Re: Help me choose a new tv

We went with a Samsung LED and are very happy with it. The TV was a smart TV but we ended up installing the Apple TV box. No regrets so far and would buy another.
by abuss368
Wed Jul 23, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1703

Re: Lost a lot in stocks and starting fresh: Please Help

Hi humblednhumiliated,

I would consider simplifying your retirement plan to one Target Date fund with Vanguard. This will help with peace of mind and lower stress! You have much more to worry about with deleveraging than to focus on allocations and rebalancing.
by abuss368
Wed Jul 23, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 12018
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