Search found 9084 matches

by abuss368
Tue Feb 09, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 15
Views: 2837

Re: Jeremy Siegel : I was too bullish

Thank you but I know longer pay attention to any market forecasts. I simply follow Jack Bogle's advice to "stay the course"!

Best.
by abuss368
Sun Feb 07, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1529

Re: upgrade OS on older MAC?

We do not, but I will say the Apple MacPro Laptop is by far the best computer I have ever used.
by abuss368
Sun Feb 07, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Land purchase as Investement - how to deal with loan interest?
Replies: 12
Views: 917

Re: Land purchase as Investement - how to deal with loan interest?

If it matters, I am in Ohio. I own a primary residence and purchased another lot. I financed this purchase. I understand as it is an Investement property (unlikely to build a home ever) I could deduct closing costs and property taxes. I also understand interest payments can be deducted from interes...
by abuss368
Sun Feb 07, 2016 2:42 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 249
Views: 32482

Re: The Bogleheads' Silent Majority

Stay the course!
by abuss368
Sun Feb 07, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 25
Views: 836

Re: How to calculate annual standard deviation from monthly returns

Hi, I'd like to calculate the annual volatility of my portfolio. I have monthly return data. I've read that one approach it to calculate the monthly standard deviation of returns then multiply by the square root of 12, but that this is just an approximation. Does anyone know where I could find an e...
by abuss368
Sun Feb 07, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3335

Re: Disappointed in International Funds

I'm disappointed with the performance of my two international funds that I purchased back in 2012. Annual growth in 4 years has been a tepid 2%, which is much less than what I would have done if they were in the S&P 500. I purchased this on the advice of the Vanguard Advisory Services. Do you t...
by abuss368
Sun Feb 07, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vacation Homes
Replies: 27
Views: 2895

Re: Vacation Homes

It depends. For the most part your logic is good. If one can afford, and lives very close to the home and will be using it a lot, it may make sense.

Life is too short. We must enjoy what we have.

Best.
by abuss368
Sun Feb 07, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 464
Views: 95265

Re: Rick Ferri looking to internationalize his portfolio

Hi Rick, I'm repeating this question in the hope you might see it and respond. In the past, you've said you like the diversification the Vanguard Global ex-U.S. Real Estate ETF (VNQI) could provide, but thought the associated costs were not worth the benefit. However, it seems that Vanguard will so...
by abuss368
Sun Feb 07, 2016 2:31 pm
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 52
Views: 5397

Re: Asset location strategies for taxes are OK; but not great

Since we started following Rick's "Equal Location" strategy rather than "Asset Location", everything is much easier from a rebalancing and management stand point.

There are multiple roads to Rome and the investor has to pick the one that works best for them.
by abuss368
Sun Feb 07, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 464
Views: 95265

Re: Rick Ferri looking to internationalize his portfolio

I have noticed that Rick is not posting as much to the forum so perhaps he is busy with his firm.

I would be interested in an updated article from Rick regarding his thoughts since penning this original article.
by abuss368
Sun Feb 07, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274107

Re: What Movie Have You Recently Watched?

I do have the Madoff and OJ movies on the list.
by abuss368
Fri Feb 05, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274107

Re: What Movie Have You Recently Watched?

Zero Dark Thirty.
by abuss368
Wed Feb 03, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5568

Re: Recent Vanguard Trouble

Moving to Vanguard was the best financial decision we ever made. Their client service has been exceptional without issue.

We only have a few index funds and have keep investing very simple.

Best.
by abuss368
Wed Feb 03, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9964

Re: How important is an international allocation?

Do you invest in international bonds as Vanguard recommends?
by abuss368
Wed Feb 03, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate taxes on estate for heirs
Replies: 17
Views: 1192

Re: Real estate taxes on estate for heirs

I would consider the services of a qualified CPA.

Best.
by abuss368
Wed Feb 03, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 464
Views: 95265

Re: Rick Ferri looking to internationalize his portfolio

Rick,

What are your thoughts on Vanguard increasing the allocation to international bonds?

Best.
by abuss368
Wed Feb 03, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 78
Views: 11190

Re: Should I invest my emergency fund?

We have a simple savings account that we add to on a recurring basis. There is not much in the way of returns but that is not the primary purpose. The purpose is peace of mind and cash available if needed. It works. We sleep well.

Best.
by abuss368
Wed Feb 03, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 691073

Re: "Three-Fund Portfolio 2015 Update"

Taylor Larimore wrote:Bogleheads:

Barry Barnitz, a wiki administrator and co-editor of Financial Page, has up-dated The Three- Fund Portfolio information.

Three-Fund Portfolio 2015 Update

Thank you, Barry!

Edit in red

Best wishes.
Taylor


Thanks Taylor.
by abuss368
Wed Feb 03, 2016 10:43 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4991

Re: "Money in the stock market isn't real money"

That really does not make sense to me. I have never heard the most successful and intelligent investors say such a thing.

Best.
by abuss368
Sun Jan 31, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: bond funds
Replies: 9
Views: 1041

Re: bond funds

is it better to go with short term bond fund or with a intermediate bond fund with interest rates going up ? this is in my IRA account that I am withdrawing money from . Hi Ted Wring, Welcome to the best financial forum on the internet. Predicting the movement of interest rates has been said to be ...
by abuss368
Sun Jan 31, 2016 2:10 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4607

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Taylor Larimore wrote:Bogleheads and others:

My thanks go to everyone who helped achieve this success.

Our success, thanks to generous volunteers, will discourage others who would like to capitalize on our name and reputation.

Best wishes.
Taylor


And keep spreading the investment advice inspired by Jack Bogle!
by abuss368
Sun Jan 31, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Issues with Investment Advisor...Help Pls
Replies: 9
Views: 1161

Re: Issues with Investment Advisor...Help Pls

Gang: I have a preferred customer account with a large bank (USA) and we started working with an Investment Advisor. We have ½ the portfolio in the company Vanguard funds that we manage and ½ with the bank. Our advisory fees end up around $4k per year with the Bank. Vanguard is minimal. Funds toget...
by abuss368
Sun Jan 31, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: How does expense ratio work?
Replies: 16
Views: 1515

Re: How does expense ratio work?

I'm planning on trading ETFs every month on my Vanguard account because it's free. Hi margo, It has been proven many times over that a market timing strategy will not work. Investors need to determine an appropriate asset allocation based on time and tolerance for risk. Stay the course is the best ...
by abuss368
Sat Jan 30, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: "Why Simple Is Still a Hard Sell"
Replies: 24
Views: 4545

Re: "Why Simple Is Still a Hard Sell"

After a lifetime of investing, more and more I have come to believe that simplicity is the master key to investment success.
by abuss368
Sat Jan 30, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 4621

Re: Vanguard introducing 0.01% expense ratio funds

Our order was placed already!
by abuss368
Fri Jan 29, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: High Expense Ratios - Advice?
Replies: 23
Views: 1793

Re: High Expense Ratios - Advice?

I would consider the Roth IRA for the many advantages. I would also convert the Rollover IRA into the Roth IRA immediately or over time depending on your tax situation. This will also help with simplicity by removing one more account.
by abuss368
Fri Jan 29, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: High Expense Ratios - Advice?
Replies: 23
Views: 1793

Re: High Expense Ratios - Advice?

Hi Angell,

Congrats on learning the Boglehead way! Jack Bogle's books had tremendous influence on me.

Moving to Vanguard was the best financial decision we ever made.

Best.
by abuss368
Fri Jan 29, 2016 10:43 am
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4607

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Great news Mel and Serge!
by abuss368
Fri Jan 29, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: "6-reasons-we-lost-money-on-our-first-rental-property"
Replies: 21
Views: 5001

Re: "6-reasons-we-lost-money-on-our-first-rental-property"

Hi Taylor,

Thank you for sharing the article. When I read articles like this I am satisfied with the low cost and diversified Vanguard U.S. and International REIT funds.

Best.
by abuss368
Fri Jan 29, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Personal experience with Value Investors Club?
Replies: 6
Views: 467

Re: Personal experience with Value Investors Club?

http://www.valueinvestorsclub.com/ is a value investing club in which you have to provide some investment tips in order to gain access to tips from other professionals (if not you can see tips with 45 days lag). (I know Bogleheads are not too fond of Value Investing but just want to see if anyone h...
by abuss368
Fri Jan 29, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Hi every one i have a question about the finance
Replies: 19
Views: 1443

Re: Hi every one i have a question about the finance

Welcome to the best financial forum on the internet.

Do you invest in these companies? Do you have a copy of the most recent Financial Statements. Typically in the Notes section as either Note 1 or Note 2 is the Summary of Accounting Policies. This disclosure should provide support.

Best.
by abuss368
Fri Jan 29, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Stock Exposure Peaks at 60
Replies: 12
Views: 1798

Re: Age in Bonds - Stock Exposure Peaks at 60

That is an interesting chart. Thank you for sharing.
by abuss368
Wed Jan 27, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Switching Brokers & Investments
Replies: 6
Views: 322

Re: Switching Brokers & Investments

Bumping for any help I can get. Hi Buccaneer82, Moving our investment portfolio to Vanguard was the best financial decision we have ever made. At first review your investment portfolio has to many funds. This results in additional complexity and often higher costs. I would consider either the Vangu...
by abuss368
Wed Jan 27, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6229

Re: Netflix increasing prices. Will you keep it?

Bogleheads, The older movies available on Netflix have never been a concern of mine. Do I wish they had even more new titles than presently offered? Sure, and I am sure this will continue to improve with time. I have found many movies and even television series that I always wanted to watch and did ...
by abuss368
Tue Jan 26, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle
Replies: 7
Views: 1171

Re: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle

Hi Taylor,

Great article and thank you for sharing.

And thank you Jack Bogle!
by abuss368
Mon Jan 25, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: NJ tax question regarding ROTH withdrawal
Replies: 14
Views: 949

Re: NJ tax question regarding ROTH withdrawal

Isn't New Jersey great!
by abuss368
Mon Jan 25, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6229

Re: Netflix increasing prices. Will you keep it?

Love Netflix as regular television is not that great.
by abuss368
Mon Jan 25, 2016 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3692

Re: Happy Birthday Taylor!

Happy Birthday Taylor!

Thank you for all that you have taught me.
by abuss368
Thu Jan 21, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: New high value taxable account - brokerage with best perks?
Replies: 5
Views: 570

Re: New high value taxable account - brokerage with best perks?

Consider the Three Fund Portfolio or the Vanguard Four Fund Portfolio.
by abuss368
Thu Jan 21, 2016 9:25 pm
Forum: Investing - Theory, News & General
Topic: Fundrise - Accredited Investor REIT
Replies: 4
Views: 355

Re: Fundrise - Accredited Investor REIT

The Vanguard U.S. and International REIT Index funds are a much better and lower cost choice.

Best.
by abuss368
Thu Jan 21, 2016 7:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chaz Watch
Replies: 75
Views: 6223

Re: Chaz Watch

Where is Chaz?
by abuss368
Thu Jan 21, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Why are REITs not providing any benefit in this market?
Replies: 45
Views: 4908

Re: Why are REITs not providing any benefit in this market?

Bogleheads,

We have invested in REITs for many years and will stay the course. The Vanguard U.S. and International REIT funds have worked well.

Best.
by abuss368
Thu Jan 21, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Plan Update
Replies: 9
Views: 594

Re: Plan Update

Welcome to the best financial forum on the Internet.

In my opinion your plan has too many funds and overlap. This only creates complexity and many times higher costs. I would consider a simple Target or Lifestrategy fund.
by abuss368
Thu Jan 21, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 691073

Re: The Three-Fund Portfolio

talltodd wrote:A few of the target date funds hold short term tips.


Indeed. As well as international bonds.
by abuss368
Thu Jan 21, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3597

Re: Vanguard Store Items

kvoss wrote:Wish they would sell the Boglehead Doll. That would be a keepsake.

Image


Oh heck yeah! Now that would look good on my desk!
by abuss368
Thu Jan 21, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 1856

Re: Move to Bonds?

Bonds are very important as they dilute the risk of stock. Also, bonds provide the opportunity to rebalance into stocks when the opportunity arises.
by abuss368
Thu Jan 21, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4069

Re: Early Retirement Next Week... Tips?

First, congrats on retirement! I would consolidate where possible all the IRAs and the 401(k) accounts for simplicity purposes with Vanguard. The Target funds are an excellent option as long as you are comfortable with the overall asset allocation. I would also look to remove the individual stocks w...

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