Search found 10996 matches

by abuss368
Thu Jan 19, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Are TIPS good or bad?
Replies: 18
Views: 1356

Re: Are TIPS good or bad?

In my opinion any short or intermediate term bond fund that is low cost and diversified will provide safety and income to an investment portfolio.
by abuss368
Wed Jan 18, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 32
Views: 2740

Re: TIPS are great in "theory." But real world...

I too have struggled with this. I sold the Intermediate Term TIPS fund many years ago and in retrospect we were lucky. We consolidated with Total Bond and this has worked well and simplified our investment portfolio. I prefer the monthly cash flows from dividends. The TIPS fund was paying next to no...
by abuss368
Wed Jan 18, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing International Stocks - Specifically the Lusaka Stock Exchange
Replies: 4
Views: 250

Re: Purchasing International Stocks - Specifically the Lusaka Stock Exchange

While the volunteer service is admirable, are you aware of the risks involved?
by abuss368
Sat Jan 14, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Why not put it all in TIPS?
Replies: 87
Views: 4931

Re: Why not put it all in TIPS?

I think getting too hung up on TIPS (whether pro or con) can lead astray in this case. Bottom line is that if you're 65 and looking at a withdrawal rate south of 3%, you can go 100% *fixed income* and be just fine. That may be total bond, TIPS, CDs, or some combination of all 3--it really doesn't m...
by abuss368
Sat Jan 14, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Why not put it all in TIPS?
Replies: 87
Views: 4931

Re: Why not put it all in TIPS?

Putting your assets in one investment is crazy.
by abuss368
Sat Jan 14, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1231

Re: Receipts

mortfree wrote:
NotWhoYouThink wrote:They go in the recycle box with the BBB coupons.


I use those BBB coupons when I paint. Great for cutting in along the edges.


I have actually done this!
by abuss368
Sat Jan 14, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1231

Re: Receipts

Trash can--without a second thought. I'm noticing that more and more places are asking whether you even want a receipt with credit card purchases. We have begun declining them at coffee shops, but so far still accepting them at other merchants. I quit accepting receipts from pay-at-the-pump gasolin...
by abuss368
Sat Jan 14, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1231

Re: Receipts

NotWhoYouThink wrote:Bed Bath and Beyond. One of many companies that sends me junk mail that goes right into the recycle bin.


Ha!
by abuss368
Sat Jan 14, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1231

Re: Receipts

NotWhoYouThink wrote:They go in the recycle box with the BBB coupons.


What are BBB coupons?
by abuss368
Sat Jan 14, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 305
Views: 46292

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Thanks Taylor. A very good article that shows "looks can be deceiving" or "don't judge a book by its cover"!

Best.
by abuss368
Sat Jan 14, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1231

Receipts [Retaining purchase receipts]

Bogleheads, I am interested in thoughts and comments regarding the shredding of receipts form purchases. How many folks shred all receipts at the end of the month once the transaction has cleared on a credit card statement? An alternative is simply to throw in the trash. Most receipts show the last ...
by abuss368
Sat Jan 14, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2072

Re: Recommendations for home paper shredder

We purchased a very low cost (and on sale shredder) from Staples a few years ago. It feels like they never last and we do not use it hard. This shredder has cross reading instead of straight cut. Sometime I do feel that when this one breaks I may not replace.
by abuss368
Sat Jan 14, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 4875

Re: Vanguard vs. Fidelity

You are probably fine with either if you are investing in low cost and diversified index funds. I have no experience with Fidelity. For us, moving our investment portfolio to Vanguard was the best financial decision we ever made.
by abuss368
Fri Jan 13, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 56
Views: 5823

Re: How to allocate 3-6 million in assets to achieve goals?

You could include U.S. And International REITs in your allocation for additional cash flows to you from dividends. You have real estate with no loans and it is taxed the same. Have you invested in the properties so long there is no more depreciation?
by abuss368
Fri Jan 13, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 472
Views: 59141

Re: TIPS - Did you give up?

A great thread. Much more in terms of responses than I ever expected!

Thanks Bogleheads!
by abuss368
Thu Jan 12, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1562

Re: Dishwasher Maintenance

BrandonBogle wrote:
abuss368 wrote:I am curious how many people run baking soda and vinegar in their dishwasher to keep it clean.


I never have, but I'm now thinking maybe I should?


Indeed. Now I want to find my instruction book!
by abuss368
Thu Jan 12, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Bogle says 50-50 short/intermediate bonds
Replies: 45
Views: 5479

Re: Bogle says 50-50 short/intermediate bonds

A friend nearing retirement has the following bond allocation in his taxable acct (28% Federal and 10% CA marginal tax ) 25% vanguard CA long term tax-exempt admiral (VCLAX) 25% vanguard CA intermediate term tax-exempt admiral (VCADX) 50% Vanguard Short-Term Tax-Exempt Fund Admiral (VWSUX) Rest of ...
by abuss368
Thu Jan 12, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2652

Re: Vanguard VTSAX Admiral Funds

And they don't downgrade immediately even if you sell. I sold Admiral shares of a fund in 2008, and with the market decline, I was down to 1/3 of the Admiral minimum. After two months, I got a note from Vanguard that I had two months to get back to the minimum, or else I would be downgraded. I acce...
by abuss368
Thu Jan 12, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2652

Re: Vanguard VTSAX Admiral Funds

If your balance dips below $10,000 solely because of market fluctuations, you can keep the Admiral Shares. You will not be downgraded to Investor Shares. Just don't sell any shares to take you below $10,000 (or sell any while you're below $10,000). I thought Vanguard would move an investor back to ...
by abuss368
Thu Jan 12, 2017 11:14 pm
Forum: Investing - Theory, News & General
Topic: vanguard.com: Quarterly Reports vs Custom Reports
Replies: 5
Views: 601

Re: vanguard.com: Quarterly Reports vs Custom Reports

Yep I agree there can be an advantage to when you pay taxes due to the irregular tax quarters relative to calendar quarters - but I'm curious how those irregular quarters came to be? A little googling didn't yield a simple answer for me. Perhaps it's just best to not look a gift horse in the mouth?...
by abuss368
Thu Jan 12, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: John Bogle interviews
Replies: 5
Views: 726

Re: John Bogle interviews

I always look at Mr. Bogle's Blog here:

http://johncbogle.com/wordpress/
by abuss368
Thu Jan 12, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Mother's Recent Death: Helping Father with Retirement
Replies: 17
Views: 2094

Re: Mother's Recent Death: Helping Father with Retirement

Sorry for your loss. God bless you and your family.
by abuss368
Thu Jan 12, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short-Term Bond Index Fund Question
Replies: 25
Views: 1958

Re: Vanguard Short-Term Bond Index Fund Question

We build our cash fund in a savings account. There is an old saying: "Cash is king!"

I do not look at our cash for a return anymore but rather security, safety, and a lot of flexibility.
by abuss368
Thu Jan 12, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1562

Re: Dishwasher Maintenance

I am curious how many people run baking soda and vinegar in their dishwasher to keep it clean.
by abuss368
Thu Jan 12, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an IRS pin code for filing?
Replies: 15
Views: 1317

Re: Did you get an IRS pin code for filing?

mt wrote:Is there a way to receive a PIN if one has NOT been the victim of fraud or identity theft?


Hi mt,

This is a very good question and I am interested in the options available. Hopefully someone with experience can explain.
by abuss368
Thu Jan 12, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an IRS pin code for filing?
Replies: 15
Views: 1317

Re: Did you get an IRS pin code for filing?

tigermilk wrote:2nd year to get the PIN. 2 straight years of fraudulent returns, last year even though I had a PIN.


That is incredible. I hope everything works out.

Best.
by abuss368
Thu Jan 12, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an IRS pin code for filing?
Replies: 15
Views: 1317

Re: Did you get an IRS pin code for filing?

I am aware of someone who was a victim of fraud and thus received a PIN.
by abuss368
Thu Jan 12, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: Bogle says 50-50 short/intermediate bonds
Replies: 45
Views: 5479

Re: Bogle says 50-50 short/intermediate bonds

I also recall many years ago Jack Bogle, in an interview with Steve Forbes, noted that he no longer invested in the TIPS fund. At that time he mentioned it was because of the low yield. During that interview, the yield was much higher than today.
by abuss368
Thu Jan 12, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle says 50-50 short/intermediate bonds
Replies: 45
Views: 5479

Re: Bogle says 50-50 short/intermediate bonds

Jack Bogle's has often noted that he allocates his bond portfolio between both short and intermediate term bonds. He used to mention that he invest in Limited and Intermediate Term Tax Exempt in his taxable account. His tax advantage account included Total Bond and I believe Short Term Bond Index. B...
by abuss368
Thu Jan 12, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 15
Views: 1028

Re: HSA Suggestions: where?

We have a High Deductible Health Plan with a related HSA. The HSA recently moved from Wells Fargo to Optum Bank.

Here is a link:

https://www.optumbank.com
by abuss368
Fri Jan 06, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficiency of Vanguard Total International Bond Index Fund ?
Replies: 7
Views: 742

Re: Tax efficiency of Vanguard Total International Bond Index Fund ?

Wait! 190 basis points of yield and 51 basis points of tax credit.....1.39??? Yet some folks will say one can not have Total International Bond in taxable only to say high yield bank accounts online or higher yielding CDs are perfectly fine?
by abuss368
Fri Jan 06, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Some Money Off the Table
Replies: 22
Views: 2275

Re: Taking Some Money Off the Table

Buy, hold, and rebalance.
by abuss368
Thu Jan 05, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3150

Re: How will the market perform in 2017?

We gave up marketing timing and security selection many years ago after we realized all the fees and losses were hurting our financial future.

Thank you Jack Bogle for Vanguard and helping the little guy earn their fair share of whatever the markets return!
by abuss368
Thu Jan 05, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3150

Re: How will the market perform in 2017?

Bogleheads,

No one will know with any certainty how the stock and bond markets will perform this year or next. We can develop a reasonable investment plan and strategy by keeping costs low, diversifying, and staying the course.

Best.
by abuss368
Thu Jan 05, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: "Ponzi Schemes and Ego"
Replies: 10
Views: 1649

Re: "Ponzi Schemes and Ego"

Incredible! I recall watching the CNBC special on Bernie Madoff and his Ponzi scheme. The fraud of the century (possibly ever) and very sad and unfortunate.
by abuss368
Wed Jan 04, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 8862

Re: McDonald's Stock

Is this movie any good? Never heard of it until today. The Founder Official Trailer #1 (2016) - Michael Keaton Movie HD https://www.youtube.com/watch?v=AX2uz2XYkbo https://images-na.ssl-images-amazon.com/images/M/MV5BMzExNDg0MDk1M15BMl5BanBnXkFtZTgwNzE1Mjg0MDI@._V1_UX182_CR0,0,182,268_AL_.jpg I saw...
by abuss368
Wed Jan 04, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: "5 Financial Predictions for 2017"
Replies: 6
Views: 1081

Re: "5 Financial Predictions for 2017"

2017 Prediction: I will win the Bogleheads contest!
by abuss368
Wed Jan 04, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: "5 Financial Predictions for 2017"
Replies: 6
Views: 1081

Re: "5 Financial Predictions for 2017"

Thanks Taylor! Always enjoy Alan's articles.
by abuss368
Wed Jan 04, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: PenFed_Raises_CD_rates
Replies: 4
Views: 1342

Re: PenFed_Raises_CD_rates

nalor511 wrote:That's a harsh penalty, IMO


Agreed. I don't purchase CDs.
by abuss368
Wed Jan 04, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Rewards Credit Cards - Worth it?
Replies: 18
Views: 1857

Re: Bank of America Rewards Credit Cards - Worth it?

I am unfamiliar with Bank of America. I would however recommend Wells Fargo. We have their rewards card and use the cash back to fund the College 529 accounts.
by abuss368
Wed Jan 04, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5046

Re: TV in the bedroom?

We have a 32" Samsung with the Apple TV in our bedroom. I am considering getting a 55" for the bedroom.
by abuss368
Wed Jan 04, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Funds
Replies: 5
Views: 703

Re: Muni Bond Funds

I would stay the course. A 1 - 2 % drop in a bond fund is most likely temporary. As new bonds come into the fund at higher rates, Shareholders will be rewarded. After this, the next alternative is Cash and/or CDs.
by abuss368
Wed Jan 04, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Funds
Replies: 5
Views: 703

Re: Muni Bond Funds

I prefer the additional diversification of a national muni fund. Vanguard Intermediate Term Tax Exempt is an excellent fund that is very low cost and diversified. You could consider this fund or a combination with the California fund.
by abuss368
Wed Jan 04, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 1403

Re: Best index fund that covers global stocks?

One could invest in Vanguard Total World Stock. However, I prefer the two fund combination of Total Stock Index and Total International Stock Index. My reasoning is the two fund combination together has more diversification (i.e. more companies) than Total World Stock.
by abuss368
Wed Jan 04, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: "Vanguards Investment Tips For 2017"
Replies: 14
Views: 2454

Re: "Vanguards Investment Tips For 2017"

Toons wrote:Uncertainty.
An inherent part of life.
Embrace it :happy


And profit from it!
by abuss368
Wed Jan 04, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: "Vanguards Investment Tips For 2017"
Replies: 14
Views: 2454

Re: "Vanguards Investment Tips For 2017"

Thanks Taylor! I always enjoy reading Mr. McNabb's insight and interviews.
by abuss368
Wed Jan 04, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 'Accidental' Roth Contribution
Replies: 8
Views: 549

Re: 'Accidental' Roth Contribution

The other alternative is for her to recharacterize the Roth contribution as a Traditional IRA contribution. She can then convert the Traditional IRA to Roth, effectively doing a backdoor contribution; she will owe tax on any gains between the contribution and conversion. (Edit: This won't work; I m...
by abuss368
Wed Jan 04, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Long Term Pet Care
Replies: 16
Views: 1255

Re: Long Term Pet Care

I would contact multiple animal hospitals, veterinarians, animal rescue, and pet care establishments for information and sources.
by abuss368
Wed Jan 04, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Bernstein on Bonds...wow
Replies: 31
Views: 4496

Re: Bernstein on Bonds...wow

I don't think there is much surprise here. It comes down to how much time and effort does an investor want allocate to manage a portfolio of individual bonds compared to a fund. Personally I would rather stay invested with Total Bond Index and keep things simple. There is worth the low fund cost.

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