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Re: Need a tablet maybe

We have a couple of Apple tablets and are very pleased. Hands down the best on the market.
by abuss368
Wed Mar 25, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1630

Re: TIPS versus TIAA Trad for fixed-income ?

Hi RustyShackleford, In previous years, I believe TIPS were much more recommended on the forum. With today's rates, not so much. Vanguard has removed the Intermediate Term TIPS fund and replaced with the Short Term TIPS Index fund in the Target Retirement Fund. As a side note, Vanguard is recommendi...
by abuss368
Wed Mar 25, 2015 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 732

Re: Considering Vanguard Health Care Fund VGHCX

Jack Bogle has often said that most investors could go their entire lifetime without a sector fund and never miss it.

Keep investing simple.
by abuss368
Wed Mar 25, 2015 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Vanguard Health Care Fund VGHCX
Replies: 15
Views: 1182

Re: HSA question

You have received excellent advice from bta15 and I would agree.

HSA accounts provide an excellent way to save and pay for health care related expenses.
by abuss368
Wed Mar 25, 2015 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 14
Views: 975

Re: Fixed income suggestions

intlworld wrote:VHT is a play on healthcare. It's only going up.


The fund can just as easily go down. Many investors agree that low cost and diversified total market funds are best.
by abuss368
Wed Mar 25, 2015 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income suggestions
Replies: 38
Views: 3583

Re: What was your costliest investment mistake?

On the flip side, our smartest investment and financial decision was to return to Vanguard where we will stay.
by abuss368
Wed Mar 25, 2015 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 123
Views: 10562

Re: International stock dividend cut. Why?

International funds have been frustrating the last few years no doubt. You are right, they historically have a higher yield. With Rick Ferri and Vanguard increasing recommended allocations to international funds, hopefully the future is brighter and the Europe and Japan turn the corner.
by abuss368
Wed Mar 25, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 34
Views: 2346

Re: Which Bond Fund should I use?

Intermediate Tax Exempt Bond Fund. And I assume you'd suggest putting all of my taxable account into this fund, right? Would this fund offer a better or similar return/tax exemption than the Pennsylvania Long Term Tax Exempt fund? Correct. I believe Vanguard does not allow tax exempt bond funds in ...
by abuss368
Wed Mar 25, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund should I use?
Replies: 12
Views: 1151

Re: Total International Stock Index includes small caps or n

I still do not understand why Vanguard manages the two funds anymore and does not merge them.
by abuss368
Wed Mar 25, 2015 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Total International Stock Index includes small caps or not?
Replies: 9
Views: 1240

Re: International stock dividend cut. Why?

March always appears to have a lower dividend. Most international companies pay dividends once or twice a year.
by abuss368
Tue Mar 24, 2015 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 34
Views: 2346

Re: Which Bond Fund should I use?

Intermediate Tax Exempt Bond Fund.
by abuss368
Tue Mar 24, 2015 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund should I use?
Replies: 12
Views: 1151

Re: The Only S&P 500 Index Funds You Will Ever Need

Warren Buffett's favorite fund!
by abuss368
Tue Mar 24, 2015 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Only S&P 500 Index Funds You Will Ever Need
Replies: 11
Views: 2632

Re: Corrected 1099-DIV: Do I have to amend my return?

For the hassle involved for an impact of $15 or less, I would not bother.
by abuss368
Tue Mar 24, 2015 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099-DIV: Do I have to amend my return?
Replies: 12
Views: 1072

Re: Vanguard HealthCare Fund

We invested in the fund many years ago but sold in our attempt to consolidate funds to a more total markets focus.
by abuss368
Tue Mar 24, 2015 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 50
Views: 3601

Re: Fixed income suggestions

Here's what I did. 33% - Vanguard Total Stock Market 20% - Vanguard International Market 33% - Vanguard New York 10% - Vanguard Healthcare 4% - Vanguard Total Bond Market I think it is pretty tax efficient and diversified. No? Healthcare is an active fund that distributes capital gains. Total Bond ...
by abuss368
Tue Mar 24, 2015 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income suggestions
Replies: 38
Views: 3583

Re: Total International Stock Index includes small caps or n

Total International Index includes small cap companies.
by abuss368
Tue Mar 24, 2015 6:38 am
 
Forum: Investing - Theory, News & General
Topic: Total International Stock Index includes small caps or not?
Replies: 9
Views: 1240

Re: [New Member Observations- Covered Calls, Financial Advis

There a many roads to Dublin. Every road has potholes, some of which aren't easily seen, and every road has a toll, some of which are higher than others. Further, it's impossible to come to a consensus on which is the right road because what's the right road for one investor may not be the right ro...
by abuss368
Sat Mar 21, 2015 11:55 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 220
Views: 15182

Re: Is this Investing or Speculating?

I recall in 1999 having a conversation with a women who had quit her job to day-trade technology stocks. She told me her favorite company at the time was E-Toys. I asked where the company was located. She didn't know. I asked who the CEO was. She didn't know. I asked how their distribution of toys ...
by abuss368
Sat Mar 21, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Is this Investing or Speculating?
Replies: 24
Views: 1976

Re: Is this Investing or Speculating?

Tough to say but I would expect it depends on the amount of time you are looking to invest. Personally I moved past this thinking a long time back and our investing life is so easy now.
by abuss368
Sat Mar 21, 2015 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Is this Investing or Speculating?
Replies: 24
Views: 1976

Re: One Level or Two Level House

The older I get, the more I want a ranch. My wife and I will look at a ranch at some point.
by abuss368
Sat Mar 21, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5536

Re: Timing for taking RMDs

If the funds are needed in a year, consider cash or a very short term bond fund. It is not worth the risk and a year will pass by very fast.
by abuss368
Sat Mar 21, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing for taking RMDs
Replies: 18
Views: 1602

Re: Why I don't file early

If you have a brokerage you should wait. There are always adjustments between qualified dividends, return of capital, etc. Much less with mutual funds in my experience.
by abuss368
Sat Mar 21, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3335

Re: What Movie Have You Recently Watched?

We also started season 3 of "House of Cards" on Netflix and I recommend it.
by abuss368
Sat Mar 21, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85119

Re: Restaurant tipping

Typically we leave 20%. If the service is average or less I usually still do 20% but maybe 15%. I have mixed feelings.
by abuss368
Sat Mar 21, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 174
Views: 9378

Re: Hearse as daily driver?

Remember the show "Martin" in the 1990's? He or his buddy pimped out a hearse with lights, disco, music. Go that route!
by abuss368
Sat Mar 21, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3566

Re: Is it time to give-up on TIPS?

I am still on the fence with TIPS. I removed them many years ago and simplified our bond holdings to Total Bond Index and Intermediate Tax Exempt and this has worked very well thus far.
by abuss368
Sat Mar 21, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: Why Funds Over ETFs?

It is really based on the individual with not many differences. If you are buying a set amount every week or two then I would consider mutual funds. If you invest in blocks, perhaps ETFs. Vanguard is unique in that their ETFs are a share class of the overall fund. Jack Bogle is not a fan of ETFs as ...
by abuss368
Sat Mar 21, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5248

Re: [Help with starting a] Three Fund Portfolio

Remember simplicity is the master key to investment success.
by abuss368
Sat Mar 21, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: [Help with starting a] Three Fund Portfolio
Replies: 20
Views: 2015

Re: What Movie Have You Recently Watched?

Nicky's Family on Netflix. World War II and how one man saved many children. Moving.
by abuss368
Sat Mar 21, 2015 11:37 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85119

Re: Is it time to give-up on TIPS?

Is it time to give-up on TIPS? Having money is an excellent buffer for financial problems, as is being willing to adapt. Agree with both these points. ... Is it time to give-up on TIPS? Fully owning your own home or being willing to move are both good inflation buffers. Having discretionary spendin...
by abuss368
Sat Mar 21, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: Route to an $8 Million Portfolio Started With Frugal Liv

Really good article.

Thank you for sharing with the forum.
by abuss368
Sat Mar 21, 2015 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4858

Re: Route to an $8 Million Portfolio Started With Frugal Liv

Proves one thing I harp on ALL the time: Starting young, saving a lot, and staying the course is MUCH more important then any other aspect of investing. Hope this wakes people up about what is important and not get so stuck on "Should I be 2.5% or 3.5% in international small value". Good ...
by abuss368
Sat Mar 21, 2015 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4858

Re: How do you invest your taxable account?

bs010101 wrote:I am using Vanguard Intermediate Term Tax Exempt Bond for my fixed income allocation in taxable.


+1
by abuss368
Fri Mar 20, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5686

Re: "Financial Simplicity: What is Your Time Worth?"

Thank you Taylor and thank you Jack Bogle!
by abuss368
Fri Mar 20, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: "Financial Simplicity: What is Your Time Worth?"
Replies: 27
Views: 3466

Re: LifeStrategy Moderate Growth vs Separate funds

alpenglow wrote:I believe David Swensen rebalances the Yale Endowment on a daily basis, which he claims is beneficial to returns.


Correct. Swensen has also noted that individuals can not do this.
by abuss368
Fri Mar 20, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Moderate Growth vs Separate funds
Replies: 38
Views: 2955

Re: Is it time to give-up on TIPS?

If all prices in an economy can freely adjust, then nominal bonds have no place in a portfolio because TIPS are better for both borrower and lender. You are falling into the trap of thinking of your fixed income investments in isolation. You also need to consider how various FI choices interact wit...
by abuss368
Fri Mar 20, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: CPA, CFP, CFA, MBA - all needed to be a financial advise

At least he has the bigger and we'll know credentials. There is an entire alphabet soup of designations that many have no clue about.
by abuss368
Fri Mar 20, 2015 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: CPA, CFP, CFA, MBA - all needed to be a financial adviser?
Replies: 19
Views: 1270

Re: CPA, CFP, CFA, MBA - all needed to be a financial advise

With a solid background in financial management, he easily understands the impact of costs. 1% is high anymore.
by abuss368
Fri Mar 20, 2015 6:04 am
 
Forum: Personal Finance (Not Investing)
Topic: CPA, CFP, CFA, MBA - all needed to be a financial adviser?
Replies: 19
Views: 1270

Re: Will you buy an Apple Watch?

I did read that Apple is launching a television service this fall for $30 - $40 a month via Apple TV.
by abuss368
Fri Mar 20, 2015 5:56 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15852

Re: Will you buy an Apple Watch?

Will the Apple watch be able to call KITT like Michael Knight? If Apple buys Telsa I'm sure that feature will be coming :happy If they don't it shouldn't take Telsa long to write the app, once they get past legal hurdles. Tha car rumor has been all over the news recently. Pretty much the same as an...
by abuss368
Fri Mar 20, 2015 5:56 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15852

Re: Is it time to give-up on TIPS?

So how did our grandparents, parents, and past generations do it without the "mighty" TIPS?
by abuss368
Thu Mar 19, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: Is it time to give-up on TIPS?

I bought them as a hedge against runaway inflation due primarily to the effects of QE......which has clearly not happened. While employment #'s have improved, I see little risk of a major increase in wages. Options: #3: Keep my current TIPS holdings. The threat of high inflation in the next 5 years...
by abuss368
Thu Mar 19, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: Is it time to give-up on TIPS?

Each year I wrestle with the same question.... what to leave alone vs consolidate - with regard to bonds as a safety net. For years I have held Vanguard TIPS (VIPSX) - for the ever looming interest rate increase... along with the Vanguard LT Bond (VWESX) - good times corp lending... and the Total B...
by abuss368
Thu Mar 19, 2015 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 102
Views: 12612

Re: Will you buy an Apple Watch?

Will the Apple watch be able to call KITT like Michael Knight?
by abuss368
Thu Mar 19, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15852

Re: Vanguard - The New Bond King - WSJ

Thank you for sharing.
by abuss368
Wed Mar 18, 2015 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4274

Re: Rental property vs. REIT

walletless wrote:I thought majority of VNQ was equity REITs, not mortgage REITs


The Vanguard REIT Index fund does not include any mortgage REITs. Only equity REITs are included.

Best.
by abuss368
Wed Mar 18, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3104

Re: Asset Allocation

Thanks for the prompt replies! Our Roth balances are around $40k each so if we did decide for an 80/20 AA, we should be able to take advantage of the admiral shares. After some discussion, we will be 100% in equities. Thanks again for all the replies! One option is an excellent Target or LifeStrate...
by abuss368
Wed Mar 18, 2015 6:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 1040

Re: Observations from a first time poster, long time reader.

Those are nice comments. If I understand correctly, covered calls can be written against ETF and not mutual funds? Could you explain in more detail?

Best.
by abuss368
Wed Mar 18, 2015 6:05 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 220
Views: 15182

Re: Rental property vs. REIT

physical rentals have significant tax advantages and if mortgaged use significant amounts of leverage. With that leverage comes above average risk. I own both and the REIT returns more dollar for dollar invested but my investment in the rental is smaller and returns significantly more due to levera...
by abuss368
Wed Mar 18, 2015 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3104
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