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Re: To TIP or not to TIP?

This is a tough one because you would be selling low. OTOH, you are basically asking us if you should cut your losses and just go with TBM. Tough decision. I don't own TIPS. Would I sell here? Probably. This was exactly my dilemma after investing in the VG Intermediate TIPS fund as a newbie, withou...
by abuss368
Sat Apr 18, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3312

Re: Considering the new MacBook 12-inch Retina ...

15 inch MacBook Pro. Love it.
by abuss368
Fri Apr 17, 2015 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3373

Re: What Movie Have You Recently Watched?

Snake Eyes with Nicholas Cage and Gary Sinese.
by abuss368
Fri Apr 17, 2015 9:30 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99470

Re: How's my diversification?

The most important decision is the asset allocation between stocks and bonds.
by abuss368
Thu Apr 16, 2015 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How's my diversification?
Replies: 7
Views: 794

Re: Will Saudi Arabia be added into Total International Stoc

WSJ article today: http://www.wsj.com/articles/saudi-arabia-to-open-stock-market-to-foreign-investors-on-june-15-1429191506 For non-subscribers, google "Saudi Arabia to Open Stock Market to Foreign Investors on June 15". Apparently Saudi Arabian companies haven't really been open to forei...
by abuss368
Thu Apr 16, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Will Saudi Arabia be added into Total International Stock?
Replies: 14
Views: 1575

Re: Will Saudi Arabia be added into Total International Stoc

gkaplan wrote:Wouldn't Saudi Arabia be considered a frontier market?



Do you still invest in frontier markets?
by abuss368
Thu Apr 16, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Will Saudi Arabia be added into Total International Stock?
Replies: 14
Views: 1575

Re: To TIP or not to TIP?

I used to have the Vanguard TIPS fund, but sold it a year ago. I finally got tired of waiting for inflation to happen. Maybe I'll regret it, but I went with Total Bond Index (.80) and International Bond Index (.20). Taxable or tax advantage accounts? How is Total International Bond doing for your p...
by abuss368
Thu Apr 16, 2015 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3312

Re: Collecting: A Hobby First, Investment Second

Remember the days of valuable baseball cards?
by abuss368
Thu Apr 16, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Collecting: A Hobby First, Investment Second
Replies: 33
Views: 2735

Re: TV show recommendations?

I haven't read through all the posts but thought I'd recommend "The Fall" on Netflix in case no one has yet mentioned it. It stars Gillian Anderson, of X-Files fame, and that guy who was just in the "Fifty Shades of Gray" movie (Jamie Dornan, I think is his name). It's a "p...
by abuss368
Thu Apr 16, 2015 2:50 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146853

Re: TV show recommendations?

On other series-related topics, I just watched season one of "Turn," the AMC Revolutionary War spy drama, and it was pretty meh. It wasn't terrible but it wasn't that terrific either and I think it suffered from trying to incorporate too many actual historical figures (Robert Rogers, Capt...
by abuss368
Thu Apr 16, 2015 2:50 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146853

Re: TV show recommendations?

oneleaf wrote:
abuss368 wrote:The Americans on FX.


I second this recommendation. Incredible show. Hugely underrated.


Has the series been renewed for a third season? The second season finale is next Wednesday.
by abuss368
Thu Apr 16, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146853

Re: To TIP or not to TIP?

I have not invested with Treasury Direct but instead preferred the simplicity of a mutual fund with Vanguard.
by abuss368
Thu Apr 16, 2015 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3312

Re: Favorite Boglehead Avatar?

This has been a good and interesting thread.

Thanks Bogleheads!
by abuss368
Thu Apr 16, 2015 2:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4607

Re: Do REITs really offer effective portfolio diversificatio

I presently invest in U.S. and International REITs to provide additional diversification to both Total U.S. and Total International Stock Index Funds.

Best.
by abuss368
Thu Apr 16, 2015 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 38
Views: 3499

Re: How much riskier are munis than treasuries?

You can see how the market perceives the risk. In one month (9/15/08-10/16/18), munis lost about 8% of their value (Vanguard Intemediate-Term Tax-Exempt, and the M* category average also lost 9%), while Treasuries were stable. Munis also have an additional risk, the risk that the tax treatment will...
by abuss368
Thu Apr 16, 2015 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3776

Re: How to use Vanguard Portfolio Watch for rebalancing

I like Portfolio Watch but it could improve a few items.
by abuss368
Wed Apr 15, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 42
Views: 11979

Re: 401(k) Advice for 2015

gogent wrote:I just started my HSA this year and I currently have less than a $100 in it. I hardly get sick and rarely visit the doctor. How much do you recommend for me to put in each year?


As much as you can without reducing retirement contributions.
by abuss368
Wed Apr 15, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Advice for 2015
Replies: 16
Views: 1862

Re: Fidelity balanced funds

Active or index?
by abuss368
Wed Apr 15, 2015 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity balanced funds
Replies: 4
Views: 737

Re: Noncash Tax Deduction Over $500

dbltrbl wrote:Look up similar or same appliances on Craig's list or eBay. Keep that for your records and use it for legitimate deduction.


Provides some help with value of donated items. Intuit used to make a software program to help estimate value.
by abuss368
Wed Apr 15, 2015 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Noncash Tax Deduction Over $500
Replies: 10
Views: 961

Re: Noncash Tax Deduction Over $500

dbltrbl wrote:Look up similar or same appliances on Craig's list or eBay. Keep that for your records and use it for legitimate deduction.


Provides some help with value of donated items. Intuit used to make a software program to help.
by abuss368
Wed Apr 15, 2015 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Noncash Tax Deduction Over $500
Replies: 10
Views: 961

Re: How to (diplomatically) challenge wife's active mgmt fun

Buy her a copy of "The Little Book of Common Sense Investing" by Jack Bogle.
by abuss368
Wed Apr 15, 2015 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 89
Views: 4894

Re: 401(k) Advice for 2015

Congrats on increasing the 401(k) contribution. You have a plan. Now stay the course.
by abuss368
Wed Apr 15, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Advice for 2015
Replies: 16
Views: 1862

Re: Calculating LTCG for a long-term investment

Make sure any stock splits are properly accounted for.
by abuss368
Wed Apr 15, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating LTCG for a long-term investment
Replies: 5
Views: 365

Re: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advi

I would consider the Target Retirement fund in the Roth and maximize contributions every year.

No need for international bonds. They are essentially an expense U.S. Bond fund.
by abuss368
Wed Apr 15, 2015 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advice
Replies: 13
Views: 1192

Re: Which Moto G or a different phone?

Go with the Apple iPhone.
by abuss368
Wed Apr 15, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Which Moto G or a different phone?
Replies: 20
Views: 2051

Re: Do REITs really offer effective portfolio diversificatio

In August 2016, REITs will no longer be grouped with Financials. Equity REITsm Developers, etc. will now be classified as real estate. Mortgage REITs will remain as part of financials.
by abuss368
Wed Apr 15, 2015 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 38
Views: 3499

Re: Do REITs really offer effective portfolio diversificatio

There are two thoughts. One is a sector fund and one is a separate asset class.
by abuss368
Wed Apr 15, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 38
Views: 3499

Re: TV show recommendations?

I am thinking about watching The West Wing on Netflix. Anyone recommend?
by abuss368
Wed Apr 15, 2015 9:42 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146853

Re: To TIP or not to TIP?

Great thread.
by abuss368
Wed Apr 15, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3312

Re: REIT Hidden Operating Costs

So, a REIT index fund, such as that carried by Vanguard, has an expense ratio like any other mutual fund, and is made up of lots of publicly traded companies (in this case, REITS), all of which could be researched individually using standard balance sheet analysis, etc.? Correct. REIT mutual funds,...
by abuss368
Wed Apr 15, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: REIT Hidden Operating Costs
Replies: 8
Views: 844

Re: TV show recommendations?

The Americans on FX.
by abuss368
Wed Apr 15, 2015 3:56 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146853

Re: What are you up YTD?

I stopped looking at our portfolio performance many years ago. Whether we are "up" or "down" makes no difference to our philosophy and strategy.

Best.
by abuss368
Wed Apr 15, 2015 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 318
Views: 38099

Re: REIT Hidden Operating Costs

Hi jburke, A Registered Investment Company (RIC) has an expense ratio that is disclosed in the financial statements. The expense ratio is the cost to manage and administer the mutual fund. In terms of operating expenses such as accounting, legal, buying properties, selling properties, etc. those exp...
by abuss368
Wed Apr 15, 2015 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: REIT Hidden Operating Costs
Replies: 8
Views: 844

Re: The Three Fund Portfolio

Vanguard had recommended the Three Fund Portfolio for a while. Over the past year, Vanguard changed their recommendation to add the Total International Bond Index Fund resulting in a Four Fund Portfolio.

Best.
by abuss368
Wed Apr 15, 2015 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1062
Views: 486562

Re: Inflation Protected Securities Fund

Thank you all for your kind comments. I will follow this advice. Is the fund in a tax advantage account. Target funds are an excellent choice and with 50% of the fund in equities and 8% in Short Term TIPS, I think you are fine. I would stay the course. I don't want to manage a 3 Fund portfolio with...
by abuss368
Tue Apr 14, 2015 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1009

Re: Future income on 100,000 bond fund

Yes,thank you Rick for the article,but the author was talking about individual bonds and not funds.I consider a highest quality individual bond to be equivlant to a cd if held to maturity.I am coming to the conclusion that it is a waste of time to worry about a high quality intermediate bond fund i...
by abuss368
Tue Apr 14, 2015 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 15
Views: 2273

Re: would "flight to safety" go to bonds after all?

This time it's different.
by abuss368
Tue Apr 14, 2015 12:20 am
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2538

Re: Advice on getting out of a non-traded REIT

Hi all, This is my first post but I've gotten a lot out of reading the forums. Here's our dilemma: My husband and I are moving our assets from an expensive financial adviser to self-managing at Vanguard. We have about $25K of after-tax money that the financial adviser put in a non-traded REIT (Cole...
by abuss368
Tue Apr 14, 2015 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on getting out of a non-traded REIT
Replies: 12
Views: 1139

Re: Inflation Protected Securities Fund

rickmerrill wrote:Funny, I'm not expecting inflation to be very high in the near term but I'm not betting the farm on my own advise. What do we know that the market doesn't? I'm staying the course.


Do you invest in TIPS?
by abuss368
Mon Apr 13, 2015 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1009

Re: Future income on 100,000 bond fund

Thank you Rick for the excellent article.
by abuss368
Mon Apr 13, 2015 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 15
Views: 2273

Re: would "flight to safety" go to bonds after all?

Many investment experts recommend short and intermediate term bonds.
by abuss368
Mon Apr 13, 2015 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2538

Re: Inflation Protected Securities Fund

Is the fund in a tax advantage account? Target funds are an excellent choice and with 50% of the fund in equities and 8% in Short Term TIPS, I think you are fine. I would stay the course.

Mr. Bogle has said many times: don't do anything, just stand there.
by abuss368
Mon Apr 13, 2015 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1009

Re: TAXES...oh...taxes...

There are benefits to a taxable account.
by abuss368
Mon Apr 13, 2015 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TAXES...oh...taxes...
Replies: 28
Views: 3047

Re: Safari Not Work on iPad



This has worked well for us before.
by abuss368
Mon Apr 13, 2015 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1265

Re: How long do sofas really last

Our sofa is close to 15 years and is not used that hard.
by abuss368
Mon Apr 13, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4346

Re: Two Comma Club

Congrats and stay the course!
by abuss368
Mon Apr 13, 2015 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 66
Views: 8696

Re: AT&T Uverse + Roku

We purchased Apple TV's over the past year and the product is really great and very easy to use. I have a relative that also has Roku and it is not comparable.

Best.
by abuss368
Mon Apr 13, 2015 9:06 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Uverse + Roku
Replies: 7
Views: 739

Re: would "flight to safety" go to bonds after all?

Negative yields is a bit scary. Who would ever think that they would be offered and actually used? Who knows what will happen. I try to diversify my fixed income TIPS, short term index/corporate, Total Bond (as part of Balanced index), CD ladder etc. I also have kept my equity allocation a percent ...
by abuss368
Mon Apr 13, 2015 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2538

Re: Advice on getting out of a non-traded REIT

I would be curious how many Bogleheads invest in non-traded REITs. My understanding (and please correct me), is these investments may in illiquid and at a higher costs? Are there returns comparative or higher than the REIT Index?
by abuss368
Mon Apr 13, 2015 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on getting out of a non-traded REIT
Replies: 12
Views: 1139
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