Search found 11165 matches

by abuss368
Wed Apr 26, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 34
Views: 3449

Re: One Fund? Really?

I would have no problem with $1 MILLION in a LifeStrategy or Target fund.
by abuss368
Wed Apr 26, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1758
Views: 966632

Re: The Three-Fund Portfolio

I'm going to once again vouch for the three fund portfolio and thank Taylor for helping us years ago which resulted in our restructuring our portfolio in this manner. I say this after having had conversations today with our tax accountant about 2016's return and 2017's projections. We are fortunate...
by abuss368
Wed Apr 26, 2017 3:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 96
Views: 17124

Re: favorite bogleheads posts?

Taylor - on TIPs, Total Bond Market, or Both? Hopefully Taylor will see this post and provide his perspective. abuss368: I have worked in two government agencies that issue bonds so I am familiar with bonds. Bonds are extremely complex. It is one of those things that the more you know the more you ...
by abuss368
Wed Apr 26, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

One concern I would have is the plan to retire at 30 years of age with $1,000,000 and begin distributions. In my opinion, while $1,000,000 sounds like a lot of money (and it is), at 30 years of age and the expected time frame, this amount may not be enough to be comfortable. Best. Read the thread. ...
by abuss368
Wed Apr 26, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

One concern I would have is the plan to retire at 30 years of age with $1,000,000 and begin distributions. In my opinion, while $1,000,000 sounds like a lot of money (and it is), at 30 years of age and the expected time frame, this amount may not be enough to be comfortable. Best. Read the thread. ...
by abuss368
Wed Apr 26, 2017 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

I believe in stocks and do not care much for the current very low interest bonds. Here's what I would do if you were my son: Open a brokerage account, send in the $1 million and activate options trading. Yes! Intent is to purchase a million $ of SPY (ETF for the SP500) and live off that long term. ...
by abuss368
Tue Apr 25, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 325
Views: 32498

Re: Larry Swedroe says "Goodby."

Hi Bogleheads -

First I would like to say "good luck" and "thank you" to Larry for his time and contributions! :sharebeer

Without both Rick Ferri and Larry Swedroe, our forum will be different.

Best.
by abuss368
Tue Apr 25, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 118
Views: 41297

Re: Banned from Home Depot Returns

I have never experienced this. Our experience with Home Depot has been to return it and the credit is placed back on the credit card that was originally used.
by abuss368
Tue Apr 25, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5370

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

I am so sorry. God bless you and your friend. No child should have to go through this.

Again, God bless.
by abuss368
Tue Apr 25, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

One concern I would have is the plan to retire at 30 years of age with $1,000,000 and begin distributions. In my opinion, while $1,000,000 sounds like a lot of money (and it is), at 30 years of age and the expected time frame, this amount may not be enough to be comfortable.

Best.
by abuss368
Tue Apr 25, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

I've recently come into some money (a little over $1M) and have retired in my mid-30s. I want this money to produce $30k/yr after-tax income for me and my family for life. I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to b...
by abuss368
Tue Apr 25, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 49
Views: 4053

Re: Investing $1M

Vanguard has a lot of research on their website discussing what strategy is best. That is, a lump sum contribution or dollar cost averaging into the markets over time. Vanguard has noted that an investor should follow what works for them however a lump some (i.e. time in the market) may be best.
by abuss368
Tue Apr 25, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Plan
Replies: 13
Views: 1020

Re: "The Bogleheads Guide to Retirement Planning"

Callie: I would like to suggest that many of your questions (and more) are answered in The Bogleheads' Guide to Retirement Planning . This is the link. All royalties are donated to The National Constitution Center where Mr. Bogle was the first chairman. Best wishes. Taylor Hi Taylor - A great book ...
by abuss368
Tue Apr 25, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2609
Views: 688652

Re: What Movie Have You Recently Watched?

Enjoying the new season of The Americans on FX. Really like that show.
by abuss368
Tue Apr 25, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 54
Views: 4762

Re: Vanguard has switched to brokerage only accounts

Hi Bogleheads -

We have the older mutual fund accounts for a long time and this has worked well. I would guess I prefer not to change. If however, Vanguard does change all clients to one account structure and our expense ratios decline even more, I can understand the strategy.

Best.
by abuss368
Mon Apr 24, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2609
Views: 688652

Re: What Movie Have You Recently Watched?

SGM wrote:
abuss368 wrote:Blue Caprice on Netflix. A story of the D.C. Sniper years ago.
I lived through the D.C. Sniper so I don't want to see a movie about it.


I can not imagine.
by abuss368
Tue Apr 18, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 1490

Re: Which bond funds/ETFs should I add to my portfolio?

Starper wrote:Any advice on TIPS?

For US bonds, I am considering either TIPS or BND or a combination of both.


In my opinion TIPS are not needed. Are you exposed to unexpected inflation?
by abuss368
Tue Apr 18, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Real estate rate of return?
Replies: 34
Views: 3045

Re: Real estate rate of return?

I have owned rental real estate for over 40 years, much of that in the SF Bay area an extreme HCOL region. If MIL units are allowed, I would build the biggest one I could legally build. Once they are in, there are grandfathered, and if they are ever not allowed yours will become more valuable. When...
by abuss368
Tue Apr 18, 2017 6:45 am
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 53
Views: 4577

Re: Unwinding all positions and buy back after French Elections

I would stay the course. In the last decade we have all witnessed the Greece crisis and Brexit.
by abuss368
Mon Apr 17, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 0
Views: 298

REIT Magazine

Bogleheads,

If anyone is interested in reading on real estate and REITs, www.reit.com offers a bimonthly magazine that is informative.

Best.
by abuss368
Sun Apr 16, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why do you save?
Replies: 31
Views: 1984

Re: Why do you save?

To some day sit back, relax, and retire. Hopefully becoming independently wealthy in the process.
by abuss368
Sun Apr 16, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6403

Re: Death of retail/malls to affect REITs?

I was reading in a recent issue of REIT Magazine (http://www.reit.com) that while certain retail (think older style malls and not upscale) has been under pressure, new upscale malls that provide an "experience" are growing. In addition, industrial (distribution centers for online shopping)...
by abuss368
Sun Apr 16, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 1490

Re: Which bond funds/ETFs should I add to my portfolio?

One additional items I have noted in reviewing Total Bond Index is the international companies included in the fund that have issued bonds in U.S. Dollars. In reviewing Total International Bonds, there are companies such as Apple and Berkshire Hathaway included in the fund that have issued bonds int...
by abuss368
Sun Apr 16, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds/ETFs should I add to my portfolio?
Replies: 20
Views: 1490

Re: Which bond funds/ETFs should I add to my portfolio?

I'm thinking half US bonds, half International. What are some good funds I should consider? Hi Starper - In my opinion any low cost and diversified short or intermediate term bond fund will provide safety and income to an investment portfolio. Over the past few years, Vanguard has recommended a two...
by abuss368
Fri Apr 14, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5777

Re: Jack says be realistic

Thanks for sharing.
by abuss368
Fri Apr 14, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2609
Views: 688652

Re: What Movie Have You Recently Watched?

Schindler's List on Netflix.
by abuss368
Thu Apr 13, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6403

Re: Death of retail/malls to affect REITs?

I have read a few articles on this "trend" recently. However there are other new areas for REITs the include data centers and additional distribution networks (i.e think Amazon). Real Estate will continue to provide diversification to an investment portfolio.
by abuss368
Thu Apr 13, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 14
Views: 982

Re: international funds question

I would recommend the Vanguard Total International Stock Index Fund. This one fund is the ultimate in simplicity and effectiveness. The fund is very diversified at a low cost. No style drift or manager risks. The fund provides cash flows from dividends each quarter. A hard fund to beat. Keep investi...
by abuss368
Thu Apr 13, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: final, last dumb question: REITS vs Equity Funds
Replies: 20
Views: 1359

Re: final, last dumb question: REITS vs Equity Funds

...How do you consider REIT funds? Are they equities or are they a separate class that doesn't correlate with stocks or bonds?... Take a look at a correlation matrix for yourself: Source https://s21.postimg.org/4n5wx8ckn/Captura_de_pantalla_2017-04-13_a_las_12.52.30_PM.png Let's try that as a chart...
by abuss368
Wed Apr 12, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7239

Re: leaving early from work

I would consider being up front and discussing your questions and concerns with your supervisor.
by abuss368
Wed Apr 12, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: final, last dumb question: REITS vs Equity Funds
Replies: 20
Views: 1359

Re: final, last dumb question: REITS vs Equity Funds

If you are interested in gaining a wealth of knowledge regarding REITs, I highly recommend Ralph Block's "Investing in REITs". I have read the third edition years ago and just recently finished the forth edition. Mr. Block recently passed away but his knowledge and book were incredible.
by abuss368
Wed Apr 12, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: final, last dumb question: REITS vs Equity Funds
Replies: 20
Views: 1359

Re: final, last dumb question: REITS vs Equity Funds

REITs are equities. However they have much different characteristics than common stock. They are legally different. The dividends are different and typically include a combination of a) dividends, b) capital gains, and c) return of capital. The companies must hold certain amounts of real estate and ...
by abuss368
Wed Apr 12, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2094

Re: Im new, Im reading "the Book". Question for my kids....

One of the first things that hit me hard reading the Bogleheads book was 50 cents a day for my kids is worth a million at retirement....... What is the best way to "do this" I have accounts with Fidelity for my work 401k so I just opened up two more accounts and set up direct deposit for ...
by abuss368
Sat Apr 08, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3788

Re: Value of having TIPS funds?

Yes, I agree to take risk on equity side. IMO, TIPS have been sold as an inflation hedge. Something like, "If you hold TIPS, you cannot loose to inflation." Clearly the record shows this is not the case. In general, hedges are expensive and have a tendency fail to deliver when they are ne...
by abuss368
Sat Apr 08, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1596

Re: Extended CAR Warranty

I have never bought an extended warranty for any car. I typically try to avoid warranties.
by abuss368
Sat Apr 08, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 4945

Re: Vanguard Taking-In $2 Billion a Day in New Cash

That is amazing. Vanguard will hit $5 TRILLION soon enough.
by abuss368
Sat Apr 08, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: "Junk" REITs?
Replies: 31
Views: 2249

Re: "Junk" REITs?

It's a big if, but if the dividends hold, I couldn't care less what the price of the REIT does. I just concluded reading the best REIT book on the market "Investing in REITs" by the late Ralph Block. In disclosure I read the 3rd edition many years ago and recently finished the 4th additio...
by abuss368
Sat Apr 08, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why are the Vanguard Target Retirement Funds so heavily invested in International
Replies: 24
Views: 3186

Re: Why are the Vanguard Target Retirement Funds so heavily invested in International

I have a large % of my $ in the Vanguard 2035 Retirement Fund and it's 48.1% Total Stock Market and 31.7% Total International Stock Market. I'm just beginning to really look at my allocations across the board and the 31.7% seemed high for that fund to be invested in the International Stock Market e...
by abuss368
Sat Apr 08, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1758
Views: 966632

Re: Tax-Exempt Bond Fund Calculator

A good-quality, low-cost, intermediate-term, tax-exempt bond fund should be clearly preferable in the situation you describe. Thank you for your reply. Does it follow that a home-state-specific tax-exempt bond fund would be even better? Even a more-overleveraged-than-most state like Massachusetts? ...
by abuss368
Fri Apr 07, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: "Junk" REITs?
Replies: 31
Views: 2249

Re: "Junk" REITs?

Vanguard does not include mortgage REITs in the index funds but only equity REITs to more closely align with real estate investing.
by abuss368
Fri Apr 07, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 799

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

If you need the funds in 1.5 - 2 years, you may want to consider a savings account or CDs. Protecting what you have accumulated is more important than risking it in an attempt to get more.
by abuss368
Thu Apr 06, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3788

Re: Value of having TIPS funds?

We sold the Vanguard TIPS fund many years ago and consolidated with Total Bond. This has worked very well and we are pleased with both the results and simplicity.

In my opinion any low cost and diversified short or intermediate bond fund will provide safety and income to an investment portfolio.
by abuss368
Thu Apr 06, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2360

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

I was just reading about car play on Apple's website and found this link interesting:

http://www.apple.com/ios/carplay/
by abuss368
Thu Apr 06, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: When should one start including TIPS in their bond allocation?
Replies: 7
Views: 751

Re: When should one start including TIPS in their bond allocation?

I would keep it simple. Your investment portfolio is allocated 85% pos stocks and that will drive results. As a side note, Vanguard recommends a two fund bond approach with Total Bond Index and Total International Bond Index. Vanguard adds TIPS to the Target funds a few years before retirement. In m...
by abuss368
Thu Apr 06, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3788

Re: Value of having TIPS funds?

I would consider keeping it simple and effective with Total Bond Index.
by abuss368
Thu Apr 06, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Recommended Portfolio
Replies: 31
Views: 3615

Re: Vanguard Recommended Portfolio

This is a good recommendation.
by abuss368
Thu Apr 06, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1681

Re: CPA misplaced tax information

In my opinion that is a cheap (save a few bucks on shipping) alternative and not exercising the due care client books and records should have.
by abuss368
Thu Apr 06, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide
Replies: 12
Views: 799

Re: Vanguard 1 Fund or 'Own' ETF Portfolio ? Help me Decide

Please consider using the fund names rather than ticker symbols as many folks do not memorize the ticker symbols. You may receive better responses.
by abuss368
Thu Apr 06, 2017 10:11 pm
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 2844

Re: Disappearing posts?

This is an interesting thread and I have learned a few things about the forum.

Thank you.
by abuss368
Thu Apr 06, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1653

Re: HDHP's - Does your employer offer them?

My employer does offer HDHP plans. In fact we have used one for many years. In addition, a Health Savings Account is also provided to help with budgeting and costs.

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