Search found 8257 matches

by abuss368
Thu Jul 30, 2015 11:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 7890

Re: Jack Bogle was right.

Bogleheads: Mr. Bogle is often criticized for his belief, reflected in his 1993 statement in Bogle on Mutual Funds that "Your exposure to mutual funds investing in foreign stocks should not exceed 20% of your equity allocation." Up to now, he has been right . Investors who followed his ad...
by abuss368
Thu Jul 30, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 2
Views: 293

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

Also, do not forget "First Time Penalty Abatement"! Little known IRC Section. This is huge if you have to pay!
by abuss368
Thu Jul 30, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3498

Re: Geico Auto Insurance

GEICO is awesome. I had two car accidents and one broken window. The first car accident happened when the car was parked in the street, so I had no one to go after. GEICO walked me through everything. Got my $1,000 deductible in record time. The second one was no fault a guy cut in front of me, aga...
by abuss368
Thu Jul 30, 2015 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4008

Re: Could John Bogle Be Right About International Stock?

jhfenton wrote:U.S. equities could outperform international for the next 20 years, and he would still have been wrong.


Why? Could you provide more explanation?
by abuss368
Thu Jul 30, 2015 12:51 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1158
Views: 553246

Re: Fund placement

fishdrzig: VBTLX (Vanguard Total Bond Market Admiral) should be in a tax-deferred account. There are exceptions, but most funds are better in a tax-deferred account than in a taxable account.' If all your funds are in a tax-deferred account, consider the appropriate Target Fund for simplicity. Best...
by abuss368
Thu Jul 30, 2015 12:50 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1158
Views: 553246

Re: The Three Fund Portfolio

With thanks to Taylor for this excellent post and to other Bogleheads, I've developed a plan, finalised my portfolio and sent my paperwork to Vanguard (Aus) to invest $100,000: - 25% Australian Fixed Interest Index Fund (0.24%) - 12% Australian Shares Index Fund (0.18) - 63% International Shares In...
by abuss368
Thu Jul 30, 2015 12:48 am
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham: The 10 Topics That Really Matter
Replies: 4
Views: 1115

Re: Jeremy Grantham: The 10 Topics That Really Matter

How many Bogleheads follow him?
by abuss368
Thu Jul 30, 2015 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3498

Re: Geico Auto Insurance

In 15 minutes, I can save you 15% on your car insurance.
by abuss368
Thu Jul 30, 2015 12:44 am
Forum: Investing - Help with Personal Investments
Topic: No Real Estate Stocks In U.S. Total Stock Market?
Replies: 5
Views: 479

Re: No Real Estate Stocks In U.S. Total Stock Market?

Yes approximately 4%.

In August 2016, Equity REITs will have their own section. No Mortgage REITs.
by abuss368
Thu Jul 30, 2015 12:42 am
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 14
Views: 927

Re: MacBook Air losing power

Thus far our experience with Apple products has been very good.

Good luck. I have never experienced that.
by abuss368
Thu Jul 30, 2015 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4008

Re: Could John Bogle Be Right About International Stock?

I have learned a great deal from Mr. Bogle!

No one has any idea on future returns.
by abuss368
Thu Jul 30, 2015 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Worry about Vanguard in China
Replies: 3
Views: 549

Re: Worry about Vanguard in China

Good question. Have you considered contacting Vanguard to discuss?
by abuss368
Thu Jul 30, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 76
Views: 4824

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

gkaplan wrote:I don't have anything to contribute to this thread, other than to say that I like your username.


Hi Gordon,

Do you still invest in individual stocks?

Best.
by abuss368
Thu Jul 30, 2015 12:29 am
Forum: Personal Finance (Not Investing)
Topic: 2015 RMD
Replies: 15
Views: 1494

Re: 2015 RMD

Develop an asset allocation and stay the course. Do not attempt to market time.

Best.
by abuss368
Thu Jul 30, 2015 12:24 am
Forum: Investing - Theory, News & General
Topic: "A Random Walk Down Wall Street"
Replies: 14
Views: 1780

Re: "A Random Walk Down Wall Street"

Interestingly, Malkiel's portfolio is a little more actively positioned than I'd have expected: 20% Vanguard Total Stock Market ETF (VTI) (Tracks a broad index of U.S. companies) 20% Vanguard FTSE All-World ex-US ETF (VEU) (Tracks a broad index of stocks from developed and emerging foreign markets....
by abuss368
Wed Jul 29, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 147
Views: 13801

Re: Free Windows 10 Upgrade, Yes or No?

Doom&Gloom wrote:
abuss368 wrote:
Doom&Gloom wrote:^^^

No


To my question above?


Correct.

At least that is what Microsoft has been saying all along :happy


Many thanks!
by abuss368
Wed Jul 29, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 32
Views: 1740

Re: Moving from TIPs fund to TIPs ladder???

I wish Vanguard's Intermediate TIPS fund paid monthly dividends, was an index fund, and Admiral shares were available with the index!

Keep investing simple!
by abuss368
Wed Jul 29, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 16
Views: 1600

Re: CFA Exam Results

CFA exam results came out yesterday. Did anyone on this forum participate? I just passed level 2 and am excited to take level 3! I think the program material is wonderful and it is a nice alternative to a very expensive MBA. The books are quite well written and generally support the the Boglehead's...
by abuss368
Wed Jul 29, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: "A Random Walk Down Wall Street"
Replies: 14
Views: 1780

Re: "A Random Walk Down Wall Street"

Thanks Taylor!
by abuss368
Wed Jul 29, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 147
Views: 13801

Re: Free Windows 10 Upgrade, Yes or No?

Doom&Gloom wrote:^^^

No


To my question above?
by abuss368
Wed Jul 29, 2015 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bond prices
Replies: 21
Views: 1601

Re: Bond prices

You should determine if you need TIPS in the first place. If you hold >=60% equities then I say NO. Hi galeno, I would agree. In terms of TIPS an investor must determine if they have a higher risk to unexpected inflation (which is calculated and paid by the federal government) or not. One item I do...
by abuss368
Wed Jul 29, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 147
Views: 13801

Re: Free Windows 10 Upgrade, Yes or No?

Bogleheads, We have a couple old HP Laptops running Windows 7 that we do not use but other family members now use (we are all Apple). There is a download notification in the lower right side tray to install Windows 10 if so inclined. My question: Will Windows 7 automatically at some point install Wi...
by abuss368
Wed Jul 29, 2015 5:16 pm
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 3609

Re: Rick’s Top Ten List of When Not To Invest

Hi Rick,

A very good and informative posts that I will refer back to in the future.

Thank you for compiling.

Best.
by abuss368
Wed Jul 29, 2015 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 118
Views: 14103

Re: Vanguard - Four Fund Portfolio

Vanguard experts should have a better understanding of the risks. They included in the all in one funds.
by abuss368
Wed Jul 29, 2015 7:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 118
Views: 14103

Re: Vanguard - Four Fund Portfolio

I like the idea of diversification of the fixed income side from "just" Total Bond fund. I would add TIPS, CDs rather than International bonds. VG seem to want International bond to be at or near global proportions. That is way to much for my taste I see it a maybe a tilt percentage e.g. ...
by abuss368
Wed Jul 29, 2015 6:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 118
Views: 14103

Re: Vanguard - Four Fund Portfolio

Bogleheads, I read the latest Financial Satatements for the Total International Bond Index fund as apart of the Vanguard Four Fund Portfolio. I did not realize that the fund includes U.S. companies that have issued bonds in foreign countries. Warren Buffett's Bershire Harhaway and Apple are two comp...
by abuss368
Tue Jul 28, 2015 11:55 pm
Forum: Investing - Theory, News & General
Topic: Fed Tips Its Hand!
Replies: 14
Views: 2674

Re: Fed Tips Its Hand!

What does this mean for TIPS?
by abuss368
Tue Jul 28, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to Simplify Portfolio
Replies: 41
Views: 1968

Re: "Investor Questionnaire"

I have been reading up on everything that has been provided; especially the Asset Allocation in Multiple Accounts wiki. TinyElvis: Your stock/fixed-income allocation may be the most important investment decision you will make (individual funds are much less important). More than anything else, your...
by abuss368
Tue Jul 28, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Just Got Financially Independent
Replies: 32
Views: 2988

Re: Just Got Financially Independent

Congrats!

The feeling on knowing "you made it" must be awesome!
by abuss368
Tue Jul 28, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 45
Views: 2449

Re: A bit of gold?

Bogleheads, I always enjoy Warren Buffett when speaking about gold. He so often notes that it is a pretty little rock that we are going to pay a lot of money to mine, guard, watch over, etc. In a 100 years time, it will still be a rock. There are no earnings! If you are interested look back 2 - 3 ye...
by abuss368
Tue Jul 28, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 32
Views: 1740

Re: Moving from TIPs fund to TIPs ladder???

What is the nominal yield for the Vanguard Intermediate TIPS fund?
by abuss368
Tue Jul 28, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2857

Re: Do I dump the Vanguard energy Fund in my 401k

Jack Bogle has often said an investor could go their lifetime with no sector fund and never miss it.

Keep investing simple!
by abuss368
Tue Jul 28, 2015 9:09 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13428

Re: South Florida Local Chapter

Hi Bogleheads,

It looks like you had a great and rewarding time!

Best.
by abuss368
Tue Jul 28, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: "Has the Index Fund Won?" by Jack Bogle
Replies: 7
Views: 1983

Re: "Has the Index Fund Won?" by Jack Bogle

Thanks for telling us about the article and the quotes. I like the reminders I get with I log on here as to why I use index funds and don't try to trade. I don't think I will hold them forever, but I at least plan to hold them until I need to sell for income in retirement. I want to hold my index f...
by abuss368
Tue Jul 28, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 32
Views: 1740

Re: Moving from TIPs fund to TIPs ladder???

I am 55 years old and hope to retire in the next few years. I have accumulated a solid (~$5mm) and conservative (~35/65) portfolio but will have no pension income other than social security, which I expect will cover ~25% of my retirement spending. I will be thus be counting on my portfolio to fund...
by abuss368
Tue Jul 28, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6045

Re: wife got in wreck with Honda CRV - no collison coverage

The most important thing is your wife is healthy!

We have never dropped collision for any reason for these exact reasons.

Best.
by abuss368
Tue Jul 28, 2015 8:56 am
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1418

Re: Are Things Slowing Down Again?

The forum is running very fast again!

Thank you Bogleheads!
by abuss368
Tue Jul 28, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1621

Re: Penny Stocks

Has anyone had any experience with Peter Leed's penny stock newsletter? I read his book Penny Stocks for Dummies and found it informative for individual stock selection. Hi Gbean, Many years ago we gave up trying to beat the markets and our subscription to stock picking newsletters. More times than...
by abuss368
Tue Jul 28, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 994
Views: 159170

Re: What Movie Have You Recently Watched?

The Frozen Ground on Netflix with Nicolas Cage and John Cusack. Good movie based on true events.
by abuss368
Tue Jul 28, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1577

Re: All REIT roth?

Have you considered adding International REITs to further diversify?
by abuss368
Mon Jul 27, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 103
Views: 10235

Re: Scott Burns – Don’t quit your day job.

Thank you for sharing.

We have always looked for ways to increase our retirement contributions each and every year.

Best.
by abuss368
Mon Jul 27, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3301

Re: How long until a $10,000 loss matters?

It is not a loss until you sell.

Jack Bogle has always said: "stay the course"!
by abuss368
Mon Jul 27, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1577

Re: All REIT roth?

Hi Jay,

Rick Ferri often recommends this portfolio and refers to it as The Core Four.

Best.
by abuss368
Mon Jul 27, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD

For the small difference I would consider AWD. I had a relative who went with FWD and the savings that were small. They regretted it the first winter with snow. I would rather have the safety and comfort.

Best.
by abuss368
Mon Jul 27, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6710

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Bogleheads, I recently read a study regarding the TSP plan and the consideration of additional investments for the plan. My understanding is the TSP plan is a simple plan of either Target Funds of individual funds such as US Stock, International Stock, US Bond, a bond fund that resets interest rates...
by abuss368
Mon Jul 27, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: "Has the Index Fund Won?" by Jack Bogle
Replies: 7
Views: 1983

Re: "Has the Index Fund Won?" by Jack Bogle

Hi Taylor,

I read the excellent interviews with Jack. In the one, he really was not supportive of international investing.

Thank you Jack Bogle for creating Vanguard!

Best.

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