Search found 9548 matches

by abuss368
Tue May 03, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1425
Views: 738125

Re: "The world's largest bond and stock funds lower expense ratios"

Bogleheads: Good news for The Three Fund Portfolio: Vanguard Total Bond Market Index Fund. The world's largest bond fund with $158 billion in assets reported expense ratio reductions including Investor Shares, down four basis points to 0.16%; Admiral™ Shares, down one basis point to 0.06%. Vanguard...
by abuss368
Tue May 03, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Transfer Fees
Replies: 10
Views: 938

Re: Wells Fargo - Transfer Fees

I am starting to feel better. This is good to know.
by abuss368
Tue May 03, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Transfer Fees
Replies: 10
Views: 938

Wells Fargo - Transfer Fees

Hi Bogleheads, I have a question regarding Wells Fargo and fees. Let's assume one has a Preferred Checking account. You log into Vanguard, select "buy" for a mutual fund. This funds will come out of the Wells Fargo checking account. Are there fees charged? Someone must have a Wells Fargo b...
by abuss368
Tue May 03, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Siesta Key later this month -recommendations
Replies: 16
Views: 1284

Re: Siesta Key later this month -recommendations

Been there many times over the years. Siesta Village is a great place with a lot of variety.
by abuss368
Sat Apr 30, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 2630

Re: A Vanguard Target fund deconstructed - pros/cons?

Vanguard experts recommend that the percentage of stock allocation to international be anywhere from 20% to 50% (which is market weight approximately).
by abuss368
Fri Apr 29, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed AA for life
Replies: 10
Views: 1098

Re: Fixed AA for life

In my opinion that is too much complexity and cost.
Our lives are filled with detail. Simplify!
by abuss368
Fri Apr 29, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 950

Re: Local Major Bank Recommendations

See my first post above regarding Wells Fargo. I have started the transition to them and it is going very well.
by abuss368
Fri Apr 29, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 2630

Re: A Vanguard Target fund deconstructed - pros/cons?

30% (not 40%) of bonds is allocated to Total International Bond Index fund.
by abuss368
Thu Apr 28, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 51
Views: 5042

Re: Total Bond vs Municipal Bond Funds

So....drumroll......What is that "bad" about Total Bond Index int taxable? 2/3 is Treasuries and thus no state or local taxes. Much less risk. I think this should be discussed. Unfortunately, California and a couple other states only give you the exemption if 50% or more assets of a fund ...
by abuss368
Thu Apr 28, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5096

Re: What's become of Consumer Reports?

One additional aspect to consider is there is so much information available on the internet.
by abuss368
Thu Apr 28, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 51
Views: 5042

Re: Total Bond vs Municipal Bond Funds

Bogleheads, This has been an excellent thread but I am a little confused as I really can not see a consensus. Dare I suggest there may be inconsistencies. 1) For argument purposes lets assume bonds or some type of fixed income is needed in a taxable account. 2) Many posts in this thread suggest CDs....
by abuss368
Thu Apr 28, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Diversification
Replies: 11
Views: 662

Re: Tax Diversification

I am in favor of tax diversification. However, I am partial to the Roth. Sure, a Roth account could always be taxed. Not as sure about that but I could see at some point a requirement to have RMD to get funds out and back to work in the economy. If anything, I can not see tax rates going down, but r...
by abuss368
Thu Apr 28, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 51
Views: 5042

Re: Total Bond vs Municipal Bond Funds

Ha ha oh no! Excellent thread. I did not see this earlier. I also have a thread going with a lot of the same questions.

This is excellent!
by abuss368
Thu Apr 28, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 28
Views: 1718

Re: Mosquito control for home

I would consider Napalm.
by abuss368
Thu Apr 28, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]
Replies: 15
Views: 905

Re: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]

I'm looking at my international allocation and I was originally thinking 50 total international and 50 emerging markets for an aggressive position. Looking on Vanguard I discovered a total international small cap ETF (holdings are 18% in emerging markets... the rest is small cap developed). What ar...
by abuss368
Thu Apr 28, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Financing a car in order to fix credit
Replies: 14
Views: 978

Re: Financing a car in order to fix credit

In my opinion, and factoring in the low interest rate on most vehicle loans, it makes sense to take a loan and finance the purchase. This will also allow you to keep your savings and investments growing.
by abuss368
Wed Apr 27, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 918

Re: Vanguard Manager Changes

I would expect the impact to index funds to be much lower than an active fund.
by abuss368
Wed Apr 27, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2876

Re: if you HAD to pick 2 actively managed funds???

Vanguard Capital Opportunity?
Wellington?

Munder Net Net Fund? Remember that one?
by abuss368
Wed Apr 27, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Critique Fixed Income Strategy - GNMA Dominance
Replies: 29
Views: 2289

Re: Critique Fixed Income Strategy - GNMA Dominance

In my opinion any low cost and diversified short or intermediate term bond fund will provide safety and income to an investment portfolio.
by abuss368
Wed Apr 27, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 2812

Re: "For bondholders, rising interest rates can have an upside"

I remember when my Tax Exempt bond fund was dropping for the so called muni crisis on the horizon.

Total Bond Index has done the job very well! I am have tempted to remove the muni fund!
by abuss368
Wed Apr 27, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Dodge & Cox
Replies: 10
Views: 1515

Dodge & Cox

Bogleheads, Dodge & Cox is the only firm that I have heard Jack Bogle praise outside of Vanguard. He has cited their lower costs than the industry average, minimal funds (5 or 6 in total), and that their investment managers invest their personal capital in the funds. Anyone ever notice they only...
by abuss368
Wed Apr 27, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2876

Re: if you HAD to pick 2 actively managed funds???

I think Dodge & Cox (U.S. and International) funds are also worth a look from a non-Vanguard perspective. My idea as well. Dodge & Cox is the only firm that I have heard Jack Bogle praise outside of Vanguard. He has cited their lower costs than the industry average, minimal funds (5 or 6 in...
by abuss368
Wed Apr 27, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 12
Views: 1194

Re: Taxable Account - Bonds - Diversification vs. Tax

Bogleheads, I thought this thread would receive more responses thus far because the topic of discussion is: At what point is the line in the sand crossed where bond diversification is more important than tax efficiency? Should an investor consider say Treasuries or Total Bond Index rather than Tax E...
by abuss368
Wed Apr 27, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 2876

Re: if you HAD to pick 2 actively managed funds???

I think Dodge & Cox (U.S. and International) funds are also worth a look from a non-Vanguard perspective.
by abuss368
Wed Apr 27, 2016 12:01 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 143
Views: 18414

Re: Bonds - Throw it all on the table!!!

Bogleheads there have been many excellent threads over the last couple of weeks related to bonds. I started a couple with polls and the results were excellent. Often a poll is limited, needs more options, etc. I would like to try an open ended thread on your personal bond strategy. Please simply no...
by abuss368
Tue Apr 26, 2016 8:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 50
Views: 6523

Re: Jack Bogle on CNBC

Good article. The last sentence in the article is so true!
by abuss368
Tue Apr 26, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1816

Re: Holes in the heels of black dress socks

I may try Jos A. Banks. The socks are a little more expensive and even though it is of the same parent company as Mens Warehouse, perhaps the quality is better. I have some Jos A Banks "Cushion Pima Cotton" dress sock that I really like. Dress socks but heavier than the hosiery type socks...
by abuss368
Tue Apr 26, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: When to "cash-in" a 529?
Replies: 12
Views: 1376

Re: When to "cash-in" a 529?

This is a good thread and a topic that I have been thinking about a lot in terms of the future.
by abuss368
Tue Apr 26, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 950

Re: Local Major Bank Recommendations

After the financial crisis and the falling apart of eTrade we became very anti big bank. Probably an overreaction in hindsight. The problem with our local bank is it is now a regional bank and continues to merge, change names, etc. I think some of the small town service has slipped too as a result. ...
by abuss368
Tue Apr 26, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 950

Re: Local Major Bank Recommendations

We have been discussing this exact topic at home over the past week. We are probably going to be moving everything to Wells Fargo for a simple reason. First we have a mortgage and HSA account there. We did a lot of reading, calling customer service, talking to banker friends, etc rather than just mo...
by abuss368
Tue Apr 26, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1560
Views: 320418

Re: What Movie Have You Recently Watched?

Also watched "The Bank Job" on Netflix. Based on actual events regarding the British government in the 1970's!

Not bad.
by abuss368
Tue Apr 26, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1560
Views: 320418

Re: What Movie Have You Recently Watched?

We watched "Promise Land" on Netflix with Matt Damon.

Very good and enjoyed the movie.
by abuss368
Tue Apr 26, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 12
Views: 1194

Taxable Account - Bonds - Diversification vs. Tax

Bogleheads, For any investors who would prefer to place Taxable bonds such as Treasuries, TIPS, Corporates, etc. in a taxable account, simply is that a "bad thing"? To piggy back off of some other threads in terms of bonds in a taxable account, at what point is the line in the sand crossed...
by abuss368
Tue Apr 26, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 3903

Re: 3.5M taxable bonds

Hey Abuss, Ive done that risk questionnaire, as well as many others, and they all tell me that I should be at most 50/50. Backtesting a 50/50 portfolio through the 2008 decline given 5M in assets still seems way more than I can actually handle. Hi notsobright, An investor must be able to sleep well...
by abuss368
Tue Apr 26, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 3903

Re: 3.5M taxable bonds

Hi notsobright, I wanted to pass on to you that Vanguard's website does have a risk questionnaire that may assist and provide recommendations regarding asset allocation. In addition, you could always contact a Vanguard representative to get additional support. Asset allocation is the most important ...
by abuss368
Tue Apr 26, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 28
Views: 5473

Re: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%

Bogleheads,

I always enjoy watching our funds expense ratios decline over time. I can not help but thank Jack Bogle each time for putting individual investors needs first and making sure the little guy earns their fair share of the stock and bond markets!

Best.
by abuss368
Tue Apr 26, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 28
Views: 5473

Re: Vanguard Total Bond Market Index fund is now only 0.07%

stemikger wrote:Love Tina Fey!!! And the lower cost is always welcome!


Hi stemikger

Say what? Tine Fey?
by abuss368
Tue Apr 26, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 28
Views: 5473

Re: Vanguard Total Bond Market Index fund is now only 0.07%

Ha, I was surprised to not see this post sooner. Here's some more for April: https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommentary/article/IWE_NewsExpenseRatioChanges0415 It's nice to see some investor shares tick lower even if it's only 1bp. It's also nice to see Total Bond Marke...
by abuss368
Tue Apr 26, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 1M net worth, need help investing
Replies: 15
Views: 2400

Re: 1M net worth, need help investing

Hi unknown, Welcome to the Bogleheads forum! In my opinion, I can understand you want to put some capital to work. In my opinion, I would read one or two excellent investment books first. You will have a much better understanding of the Bogleheads Investment Philosophy. May I please recommend the fo...
by abuss368
Tue Apr 26, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1816

Re: Holes in the heels of black dress socks

Does anyone have experience of black dress socks wearing out very quickly nowadays -holes in the heel area and near the toes? I've bought Gold Toe, Adidas, Puma, Dockers, Costco premium socks, and they all wear out pretty quickly-2-3 months or sooner. They never used to do that 5 years ago, or is i...
by abuss368
Tue Apr 26, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 3903

Re: 3.5M taxable bonds

There is something scary for me to put all my eggs in one basket even if that basket is a relatively low risk, low expense muni fund. You haven't stated what the goal for this money is other than being safe. I would consider CDs, Treasury Securities/funds, GNMA fund, even EE bonds for some assets t...
by abuss368
Tue Apr 26, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 3.5M taxable bonds
Replies: 39
Views: 3903

Re: 3.5M taxable bonds

This is a very good post and a topic of which that I have thought about before. At what point, as an investment portfolio increases in value and bonds are assumed placed in a taxable account, does diversification trump taxation? Once in a while this topic does appear on the forum and the responses a...
by abuss368
Mon Apr 25, 2016 8:41 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 143
Views: 18414

Re: Bonds - Throw it all on the table!!!

Bogleheads,

I started this post a while ago and it was a very good thread. In the interest of all the recent bond fund threads, this may be a good opportunity to continue this constructive dialogue.

Best.
by abuss368
Mon Apr 25, 2016 8:37 pm
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3302

Re: Did TIPS Really work?

I like to think of TIPS as the Treasury's attempt to get into the sector fund business, to appease those afraid of inflation, and thus I rarely find need to invest in this particular way, just to satisfy my fear of inflation. In fact equities do a much better job of combating inflation than the Tre...
by abuss368
Mon Apr 25, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2549

Re: Social Security loopholes closed

sunspotzsz wrote:they are closing the backdoor roth as well


I did not hear this one. Do you have a source?

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