Search found 11842 matches

by abuss368
Thu Dec 14, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: "Vectors"
Replies: 5
Views: 1049

Re: "Vectors"

Hi Taylor -

Appreciate the link and interesting read. I too once subscribed to newsletter thinking I had an advantage and would beat the market. A costly experience indeed.

Best.
by abuss368
Thu Dec 14, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 5887

Re: Reached 50X annual spending. Now what?

Congrats! That is quite an achievement.

Remember at some point it becomes more important to protect what we have than to take unnecessary risks to get more.
by abuss368
Thu Dec 14, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: "Building a Vanguard Three-Fund Portfolio.."

Bogleheads: I ran across a nice article by The Wall Street Physician. It is about The Three-Fund Portfolio: Building a Vanguard Three-Fund Portfolio.. Best wishes. Taylor Hi Taylor - Thank you for sharing that very well written article about the Three Fund Portfolio. I actually liked all the funds ...
by abuss368
Thu Dec 14, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10749

Re: "Fund Manager of the Year"

There are individuals who can and do outperform the markets but they are rare, and they get rarer and rarer as the time span of observation increases. Garland: I might add that the individuals who can and do outperform the market in one year are not the same that outperform the market in later year...
by abuss368
Wed Dec 13, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Variable Annuities / REITs
Replies: 11
Views: 773

Re: Vanguard Variable Annuities / REITs

At what point to avoid complexity do you simply put U.S. REITs and International REITs in taxable?
by abuss368
Wed Dec 13, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight bonds and REITs in tax-advantaged accounts?
Replies: 5
Views: 580

Re: Overweight bonds and REITs in tax-advantaged accounts?

Welcome to the Bogleheads! I think you may be confusing some points. When investors or big money moves from one asset class to another, it does not matter if we hold the asset in a taxable or tax advantaged account. What I would recommend is to read a couple of excellent books on investing and then ...
by abuss368
Wed Dec 13, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6606

Re: How much did you contribute to your 401k in 2017?

Zero! Since it is however a profit sharing plan, the employer contributions regardless. Someday this will be transferred to Vanguard!
by abuss368
Wed Dec 13, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Write Off Value
Replies: 20
Views: 2659

Re: Larry Swedroe: Don’t Write Off Value

Thank you for sharing.
by abuss368
Wed Dec 13, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - federal money market fund broke the buck?
Replies: 9
Views: 1482

Re: Vanguard - federal money market fund broke the buck?

iloveramen wrote:
Wed Dec 13, 2017 7:21 pm
I notice today the federal money market fund below the $1. The NAV is $.9999. Would this consider breaking the buck? Just curious.
Is a money market fund, especially a Vanguard money market fund "broke the buck" rest assured a financial panic would have happened today!
by abuss368
Wed Dec 13, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest like this ?
Replies: 13
Views: 890

Re: Should I invest like this ?

Hello, I currently have a retail TD Account where I trade the famous Global Equities Momentum by Gary Antonacci (basically absolute and relative momentum with three ETFs: US stocks, World ex US, Agg Bonds) with about 2/3 trades a year. Gary Antonacci redirected me to a financial advisor so that I c...
by abuss368
Wed Dec 13, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2041

Re: NYC restaurant suggestion

What about Little Italy?
by abuss368
Tue Dec 12, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6650

Re: CPA: The best profession if you want to make the most money + keep the most money?

Lol there is no such thing as CPA school. You get a degree in accounting from any accredited univ, and then sit for the CPA exams. If you successfully pass then your a CPA. There is a third piece to becoming a CPA - Degree in Accounting, CPA Exam, and Experience requirement from working under a CPA...
by abuss368
Mon Dec 11, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10749

Re: Just not getting it

Let me think (images of Lucent, America On Line, Pets.com, Enron, Worldcom, Global Crossing, America Home Mortgage, Lehman Brothers, Bear Sterns, Washington Mutual, Merrill Lynch, Countrywide Home Mortgage.....coming to mind)......hmmmmm. This is one of the ubiquitous warnings that gets touted the ...
by abuss368
Mon Dec 11, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

My 23 YO daughter started new job. Company offered a nice 403b match of 6% (100%!) thru Fidelity Netbenefits. I was estatic about the match & also that the provider was Fidelity. Since my wife's 403b with Fidelity has well over 100 funds available, predominatley Fidelity I assumed they'd be similar...
by abuss368
Mon Dec 11, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6650

Re: CPA: The best profession if you want to make the most money + keep the most money?

I'm a CPA that has worked in public practice (tax) and now am in Commercial Real Estate development. The key to making money as a CPA is using the knowledge the CPA provides to leverage that into industry - at least that has been my experience. If you are going to become CPA because you think you'r...
by abuss368
Sun Dec 10, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 131
Views: 25236

Re: Vanguard - Four Fund Portfolio

sambb wrote:
Sat Dec 09, 2017 9:41 pm
i agree with four funds over 3 fund portfolio, and i think that the overall vanguard weigthings are fine
Thanks.
by abuss368
Sun Dec 10, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8900

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

1. Life is 20 percent doing smart things and 80 percent not doing dumb things. 2. The best lives, careers, families, retirements, etc. are planned. Good luck happens when opportunity meets preparation. 3. Whoever said that money is the root of all-evil was either a fool or a con artist. Lack of mon...
by abuss368
Sun Dec 10, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2540

Re: Vanguard's 2018 Outlook has extremely low expected returns

I thought some people might be interested in Vanguard's 2018 investment outlook. It has very muted return expectations. Additionally, portfolio tilting isn't expected to help much. You can read the report here: https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommentary/article/IWE_InvR...
by abuss368
Sun Dec 10, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 20383

Re: Prepayment of SALT Taxes? [State and Local]

I read the link in the second post by LadyGeek from TurboTax. That says prepaying the state tax is deductible in the current year. However, what I did not see (or missed), in this thread is what happens if the state income tax becomes non-deducible (for whatever reason) in the following year. It se...
by abuss368
Sun Dec 10, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10749

Re: Just not getting it

I posted most of this in another post but I suspect that thread is not being looked at much at this point so I'd like to post it again because it is for me a foundational question re the BH approach to investing that I can't come to terms with. I've read several of the core BH investing books and u...
by abuss368
Sun Dec 10, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

Taylor, over the years, in your three fund portfolio, have you adjusted your stock/bond allocation using some rule of thumb such as age in bonds? Thanks, Jim Jim: The money I cannot afford to lose is in diversified, reasonably safe, Vanguard Total Bond Market Index Fund and cash in the bank. My exa...
by abuss368
Sun Dec 10, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 33
Views: 6165

Re: Any thoughts on The Aurora Report? [Arora Report]

In Jack Bogle's "The Little Book of Common Sense Investing", Jack recommends that for the investors who are so inclined to trade in individual stocks, to create a "funny money" account and allocate no more than 5% of your investment portfolio for these purposes. This will serve two purposes: 1) sat...
by abuss368
Sun Dec 10, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 403

Re: Which version of tax software?

pshonore wrote:
Sun Dec 10, 2017 10:40 am
All versions of Turbo Tax will handle this assuming you get the CD or download file. No guarantees if you use the online version
I used Turbo Tax for years and recommend the product.
by abuss368
Sun Dec 10, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 403

Re: Which version of tax software?

:sharebeer
livesoft wrote:
Sun Dec 10, 2017 10:08 am
abuss368 wrote:
Sun Dec 10, 2017 10:05 am
For $800 of income? Yes, I would be inclined to not worry too much.
I wouldn't worry at all.
by abuss368
Sun Dec 10, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 131
Views: 25236

Re: Vanguard - Four Fund Portfolio

What is the probability that at some point in the future, Vanguard recommends a U.S. and International stock allocation that is 50%/50%? This would be more aligned with world weight.

Is may certainly be the easiest in terms of tracking and rebalancing.
by abuss368
Sun Dec 10, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 403

Re: Which version of tax software?

noco-hawkeye wrote:
Sun Dec 10, 2017 10:04 am
Also, I'm not a tax expert. :D
Is anyone? :mrgreen:
by abuss368
Sun Dec 10, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 403

Re: Which version of tax software?

livesoft wrote:
Sun Dec 10, 2017 10:03 am
Risk is minimal? One has to report it on Schedule C and the risk is zero.
For $800 of income? Yes, I would be inclined to not worry too much.
by abuss368
Sun Dec 10, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 20383

Re: Prepayment of SALT Taxes? [State and Local]

If one pays and deducts the 2018 estimated tax in 2017 and the deduction is subsequently disallowed, how would this affect the ability to deduct it in 2018? Normally the requirements for a deduction are that the tax must be paid in the tax year when the deduction is taken. In my opinion this would ...
by abuss368
Sun Dec 10, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software?
Replies: 10
Views: 403

Re: Which version of tax software?

You would be fine with either H&R Black or Turbo Tax. For a YTD income amount of $800, I would not worry too much. You can report on a Schedule C (along with expenses ordinary and necessary, if any) and pay self employment taxes on the income. The other alternative that I have seen, is simply report...
by abuss368
Sun Dec 10, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 20383

Re: Prepayment of SALT Taxes? [State and Local]

I've been playing with Turbotax. The very short answer that seems to be the case for me, is that if you are subject to AMT solely because of SALT deductions, I'm not sure that prepaying 2018 taxes (assuming it can be done) helps much. FWIW, I am I have an AGI of ~$400,000 and deductible SALT taxes ...
by abuss368
Sun Dec 10, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

Thank you for your response. What is your definition on the market portfolio? Rowan Oak - In my opinion a market portfolio is a few total market funds, or the individual funds, which cover the world's investable assets. The individual allocations between stocks and bonds, as well as any sub allocat...
by abuss368
Sun Dec 10, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

My 23 YO daughter started new job. Company offered a nice 403b match of 6% (100%!) thru Fidelity Netbenefits. I was estatic about the match & also that the provider was Fidelity. Since my wife's 403b with Fidelity has well over 100 funds available, predominatley Fidelity I assumed they'd be similar...
by abuss368
Sun Dec 10, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

You either choose the simple 3-fund (or ETF) portfolio of Total Stock Market, Total International, and Total Bond Market, properly allocated OR you try to beat the market by tilting/factors/market timing. Is this too simplistic? Is this not what it all boils down to? The three-fund portfolio discus...
by abuss368
Sun Dec 10, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1187225

Re: The Three-Fund Portfolio

After years of reading on Bogleheads trying to understand the fundamental principles of many different investment strategies discussed here it always seems to come back to the same inescapable conclusion: You either choose the simple 3-fund (or ETF) portfolio of Total Stock Market, Total Internatio...
by abuss368
Sat Dec 09, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 131
Views: 25236

Re: Vanguard - Four Fund Portfolio

Bogleheads - Predictions for the coming year related to the Vanguard Four Fund Portfolio? Will Vanguard investment experts be changing any allocations? Presently Vanguard recommends a stock allocation that is 60% Total Stock Index and 40% Total International Stock Index. The bond allocation recommen...
by abuss368
Sat Dec 09, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3125
Views: 921341

Re: What Movie Have You Recently Watched?

We are watching "Boiler Room".
by abuss368
Sat Dec 09, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33424

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

Bogleheads - I started this thread almost 4 years ago and it has provided a wealth of information, strategies, and perspective. I am curious, since I started this thread, if thoughts and perspectives have evolved or changed regarding International Bonds as an asset class and the strategy as recommen...
by abuss368
Sat Dec 09, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 201
Views: 33424

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

I am curious in terms of how many Bogleheads hold Treasury bonds in a taxable account.
by abuss368
Sat Dec 09, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 61
Views: 7030

Re: Vanguard year end distributions - updated estimates

I have wonder why, with many indexes including REITs for example, the qualified dividends portion is not lower.

I am always interested in how this works behind the scenes and ultimately arrived at for reporting purposes.
by abuss368
Sat Dec 09, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 61
Views: 7030

Re: Vanguard year end distributions - updated estimates

Actually, it is not strictly determined by the amount of time an investor hold shares although that can be part of it. It "may be" determined by one's personal holding time, but the 1099-DIV won't necessarily show that because one's financial institution usually doesn't track that at first. So I wa...
by abuss368
Sat Dec 09, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1423

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

I'll consider more bonds in tax-deferred. There's a more room if I lighten up on Wellington and American Balanced. In taxable I'll consider Intermediate Treasury fund. Plan to wait until at least January to make any changes. Many investment experts, such as David Swensen Yale University's CIO, reco...
by abuss368
Sat Dec 09, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4115

Re: Does a Boglehead ever time the market?

...this is only the third time in history the stock market has been this overpriced (the other two times ended very badly) "Ended very badly" for whom? Did it really "end very badly" for someone who stayed the course? Are you assuming that those hypothetical investors who jumped in at the peak (at ...
by abuss368
Sat Dec 09, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4115

Re: Does a Boglehead ever time the market?

Hi all, this is my first post… I have just finished The little Book of Common Sense Investing. The reoccurring theme that Mr Bogle reiterates is reversion to the mean. As a beginner investor I am looking at investing in index funds. However the Shiller PE Ratio is 32, this is only the third time in...
by abuss368
Sat Dec 09, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 20383

Re: Prepayment of SALT Taxes? [State and Local]

One may want to consider the prepayment (if not subject to AMT) with the possible pending changes for next year.
by abuss368
Sat Dec 09, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1423

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

A lot of articles and discussion over the years appear to recommend no higher than a 50% of bond allocation to tax exempt bonds . A couple years ago Alan Roth was suggesting no more than 20% munis in a bond allocation. http://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/ Muni bon...
by abuss368
Sat Dec 09, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 61
Views: 7030

Re: Vanguard year end distributions - updated estimates

I have about 100 REIT (VGSLX) funds in my portfolio. Net income availability says $1.32 but estimated QDI says 0%. Does that mean I am supposed to receive $132 ($1.32 x 100) but there won't be any dividend payout so I get $0 as dividend? All dividends are ordinary dividends (unless from tax-exempt ...
by abuss368
Sat Dec 09, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10903

Re: Do people still use AAA?

Toons wrote:
Sat Dec 09, 2017 11:58 am
Traveling now,
For maps,directions,,,Google.(ok google find pizza near me :happy )
Geico for roadside if needed.



:mrgreen:
Try Siri from Apple!
by abuss368
Sat Dec 09, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6120

Re: "Financial Shock" wealth

The state of many families finances is very concerning. We must continue to provide assistance and financial education and make a difference one person at a time.
by abuss368
Sat Dec 09, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 14
Views: 1423

Re: Volatility of Vanguard Intermediate-Term Tax-Exempt Fund

aristotelian wrote:
Sat Dec 09, 2017 11:17 am
Some of it has to do with the tax plan that we are not allowed to discuss and rich people and institutions speculating that the tax advantages of munis are no longer worth the risk.
Interesting.
by abuss368
Sat Dec 09, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 33
Views: 6165

Re: Any thoughts on The Aurora Report? [Arora Report]

In Jack Bogle's "The Little Book of Common Sense Investing", Jack recommends that for the investors who are so inclined to trade in individual stocks, to create a "funny money" account and allocate no more than 5% of your investment portfolio for these purposes. This will serve two purposes: 1) sati...