Search found 11514 matches

by abuss368
Sun Oct 15, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying portfolio
Replies: 41
Views: 3050

Re: Simplifying portfolio

As kind of side note, I was thinking of consolidating the bond holdings into one or two funds - is there significant advantage to holding total bond market and so many slices of the bond market at the same time? Hi cajungal - Yes, I would strongly recommend consolidating your bond investments. Vang...
by abuss368
Sun Oct 15, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: bonds [is TSEMX Touchstone Sands Capital good for my IRA?]
Replies: 4
Views: 180

Re: bonds [is TSEMX Touchstone Sands Capital good for my IRA?]

I am new to this and want to know if TSEMX touchstone sands capital is good for my ira, it has espense ratio of 1.5%, thank you. Hi skip - Welcome to the Bogleheads! Wow! That expense ratio is high whether a stock or bond fund. I would consider reviewing other options in more detail and present the...
by abuss368
Sun Oct 15, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Over $10k in taxes owed for using 529s
Replies: 10
Views: 1531

Re: Over $10k in taxes owed for using 529s

Anything we should have done differently or should do going forwards? We had two 529 accounts that were fully funded to desired levels for two children (one still on the way) where we ended up withdrawing everything earlier this year for some investment. There was about $30k in gains, so we'll need...
by abuss368
Sun Oct 15, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: international funds - brokerage account
Replies: 8
Views: 428

Re: international funds - brokerage account

An investor could also complement international stocks with the Vanguard International REIT/RE Index Fund. This does compliment the U.S. REIT Index fund.
by abuss368
Sun Oct 15, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: international funds - brokerage account
Replies: 8
Views: 428

Re: international funds - brokerage account

creating a 3 international funds portfolio in my brokerage account I already have Vanguard Developed Markets Index Fund Admiral Shares (VTMGX) Vanguard Emerging Markets Stock Index Fund Admiral Shares (VEMAX) third fund recommendation? :sharebeer Hi jafcorrea - While not a bad plan at all, I would ...
by abuss368
Sun Oct 15, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: International [Are multinational US companies the same as international?]
Replies: 12
Views: 570

Re: International

Can someone please explain why holding multinational American companies like apple is the same as investing in international index funds? I understand they sell their products overseas, but the company is still headquartered in the United States, is still affected by our corporate tax laws and our ...
by abuss368
Sat Oct 07, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 6913

Re: Vanguard's long-term outlook for TIPS

I got the impression from talking with a Vanguard Personal advisory rep awhile back that they are suggesting more corporate, intermediate, and total bond funds in an allocation appropriate for you and not to include TIPS, but to let your stock portfolio be the inflation hedge. This was my understan...
by abuss368
Sat Oct 07, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 6913

Re: Vanguard's long-term outlook for TIPS

I have half of my bond holdings in TIPS (as suggested by David Swensen.) However, I have read many articles questioning the usefulness and capabilities of TIPS. And I have been concerned about having such a large stake in my portfolio. Furthermore, Vanguard just sent out an email that concludes: "W...
by abuss368
Sat Oct 07, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8569

Re: VG wants everyone to transfer to a brokerage account?

I haven't upgraded and won't until forced. *We only use mutual funds *Have multiple auto-exchanges set up between MM fund and other funds, which isn't possible in brokerage *Have dividends from one fund directed to another fund, which isn't possible in brokerage Upgrading to a brokerage would derai...
by abuss368
Sat Oct 07, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8569

Re: VG wants everyone to transfer to a brokerage account?

Bogleheads -

I talked with a Vanguard representative a month or so ago. I was informed that all new clients must open brokerage accounts. In the same call we were also told we can stay with mutual fund accounts and do not need to change.

Best.
by abuss368
Sat Oct 07, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7408

Re: Do you want your receipt?

We always take the receipt and clear it on the next credit card statement.

This is one additional reason why we never use our Debit card. We want the widest moat possible around our cash.
by abuss368
Sat Oct 07, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 138
Views: 13989

Re: Bogle himself is saying we will expect like 3% for the next decades

3% is better than Nothing. Anyway, Keep Investing :happy Sorry, but 3% is [absolutely unacceptable --admin LadyGeek] . Nobody gets rich with 3% annual. There must be alternatives. I dunno, buying condos, renovating them and renting them out will get you more than 3%. Investing that money in some bu...
by abuss368
Thu Oct 05, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3774

Re: How do you value your time?

I am 66 years young. :mrgreen: The clock is ticking. I consider every moment "precious". Having said that, I buy the best quality I can afford. I seek convienience in most areas of life now. Even if I have to Pay for it.... That is what I saved and invested for. For quite a few decades I would tell...
by abuss368
Thu Oct 05, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks now after transfer to Vanguard?
Replies: 14
Views: 996

Re: Sell individual stocks now after transfer to Vanguard?

First, I would like to thank those who are so generous with their time and knowledge for educating me and inspiring me to move from a brokerage to Vanguard! I am trying to decide how to proceed with the rest of the transition. Portfolio is 30 times yearly expenses. I am 64 years old and retired. Th...
by abuss368
Thu Oct 05, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2399

Re: How many money accounts do you have? And how do you Keep track of them?

I have.... - online savings -Checking -Roth I R A -Taxable investment account -Emergency fund (also a taxable investment acc) -H S A -2 credit cards (used for rewards) I feel like that is a lot. Too many passwords to remember. 401k not offered. Am I missing anything? Also should I max IRA first or ...
by abuss368
Thu Oct 05, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9690

Re: Current Bull Market could last years

If the market is up from here, I will do yet another round of mild rebalancing from stocks to bonds. Hate to do it, but at age 58 I can't let my stock allocation run away from me here. I haven't even seriously started de-risking the portfolio yet. Hi nedsaid - You are a wise and disciplined investo...
by abuss368
Thu Oct 05, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9690

Re: Current Bull Market could last years

We have stayed the course with our asset allocation between stocks and bonds.
by abuss368
Thu Oct 05, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9690

Re: Current Bull Market could last years

I have read many articles of the same recently. Financial noise and pornography!
by abuss368
Thu Oct 05, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3953

Re: Trying to convince my sister not to use a financial advisor

:oops: My sister has $100k to invest and has an appointment tomorrow to wrap up the paperwork with a financial advisor who promised her a portfolio of Vanguard ETFs that he will balance for her, for a small fee of 1.4%! I told her to run and just open up an account herself on Vanguard and do it her...
by abuss368
Thu Oct 05, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881520

Re: What Movie Have You Recently Watched?

We recently started "The West Wing" on Netflix. The pilot episode was very good.
by abuss368
Thu Oct 05, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11055

Re: Millionaire Next Door (Thank you Bogleheads)

With the help of many on this board and reminding me "to stay the coarse," Mrs. and Mr. B. Wellington quietly became the Millionaires Next door last month. Yes, a strong bull market helped us to this level. Some of you know that we are not doctors or high paid engineers. We are Joe and Jane Lunchbo...
by abuss368
Thu Oct 05, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11055

Re: Millionaire Next Door (Thank you Bogleheads)

With the help of many on this board and reminding me "to stay the coarse," Mrs. and Mr. B. Wellington quietly became the Millionaires Next door last month. Yes, a strong bull market helped us to this level. Some of you know that we are not doctors or high paid engineers. We are Joe and Jane Lunchbo...
by abuss368
Thu Oct 05, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1368

Re: accounting software for churches?

I do the books for a non-profit. (Not a church, but ~$160k annual cash flow) I use Google Sheets for record keeping/general ledger. Our credit union has nice online banking features for accounts payable. I give our records to a CPA once/year for taxes. A CPA could probably give you a workbook or cr...
by abuss368
Thu Oct 05, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1368

Re: accounting software for churches?

I do the books for a non-profit. (Not a church, but ~$160k annual cash flow) I use Google Sheets for record keeping/general ledger. Our credit union has nice online banking features for accounts payable. I give our records to a CPA once/year for taxes. A CPA could probably give you a workbook or cr...
by abuss368
Wed Oct 04, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4208

Re: another 2 comma club member

OK-- excited to pull up my Vanguard account yesterday and see that extra comma. Such a meaningful punctuation. Hate to be a little braggy about it , but it does feel pretty good. I had been waiting for it to happen and then get to show my wife on the app. Her response "took us awhile" (kill joy :? ...
by abuss368
Wed Oct 04, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 14
Views: 2145

Re: REIT Magazine

badbreath wrote:
Sun Oct 01, 2017 8:55 pm
If I wanted a REIT magazine I would just read Seeking Alpha.com.
I do not read "Seeking Alpha". Is this something you recommend?
by abuss368
Wed Oct 04, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9113

Re: Buy on Really Bad Days, Sell on Really Good Days?

The best best is to develop an investment plan and then stay the course. Do not let market swings or emotions drive you.
by abuss368
Wed Oct 04, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5315

Re: Do you foresee a drop in housing prices in the next 5 years

None of us has any idea. Trying to predict any market is useless and a waste of time. Some very good real estate investors I know have said the supply is moderating locally and they are building capital. Once the next downturn occurs, they will invest capital.

Best.
by abuss368
Wed Oct 04, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1347

Re: Where/when to get good deals on athletic shoes

Try Kohl's. I have purchased a low cost sneaker there for years and have had no complaints.
by abuss368
Wed Oct 04, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3019

Re: Simple Notebook/laptop

By far the best computer we have ever used is from Apple. After a lifetime of Microsoft Windows and unlimited frustration we finally moved to Apple. It has been the best computer and technology decision we ever made.
by abuss368
Wed Oct 04, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5528

Re: Does anyone hold cash?

Cash is a part of our routine savings plan with no intent to use it. We direct income to savings with Vanguard's Prime Money Market Fund. This is insurance and peace of mind.

There is an old saying and for good reason "Cash is King".
by abuss368
Wed Oct 04, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16465

Re: Becoming a Landlord: My Experiences

Excellent post. I am considering owning some rental property, however, I always wonder what the returns are compared to putting it in a simple index fund. How has your investment done, till today right from inception, compared to a simple index fund during the exact same time period? Here is some m...
by abuss368
Wed Oct 04, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9113

Re: Buy on Really Bad Days, Sell on Really Good Days?

We invest on a consistent basis and do not let the individual daily results impact the timing of any purchases of additional shares. Over the long term it will not make any difference.

Best.
by abuss368
Wed Oct 04, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 574

Re: Vanguard Voting...

AndroAsc wrote:
Tue Oct 03, 2017 9:20 pm
My bottomline concern is if the current Vanguard business model will change because of this vote.
Vanguard's "business model" is not changing. The Shareholders own the individual funds and the funds "own" Vanguard.

Thank you Jack Bogle!
by abuss368
Wed Oct 04, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 574

Re: Vanguard Voting...

Yes we received the Proxy material as well. One can log into their Vanguard account and read everything and then cast your vote. Vanguard did this many years ago in 2008 or 2009 if I recall.
by abuss368
Wed Oct 04, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4198

Re: Waxing my car!

Yes "Wax On Wax Off"!
by abuss368
Wed Oct 04, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Tax Question
Replies: 10
Views: 834

Re: Quick Tax Question

I would recommend that you review the previous years tax return to better understand everything from a reporting standpoint. This will assist with projecting your current year taxable income.
by abuss368
Wed Oct 04, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing - Trying to find my feet
Replies: 8
Views: 581

Re: New to Investing - Trying to find my feet

Thanks for the recommendations, I'm currently reading The Bogleheads Guide. I'll put the other two on my list! Hi bels14 - I would recommend the "Bogleheads Guide to Retirement" as well. In fact, I have every book by Jack Bogle and Vanguard on my bookshelf. I have read them and reread them. Many ti...
by abuss368
Wed Oct 04, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes for taxable account
Replies: 12
Views: 1248

Re: Taxes for taxable account

You should consider maximizing your tax advantaged space with employer plans, Traditional IRAs, and Roth IRAs, before opening a taxable account. This is valuable space that if not used each tax year is permanently lost.

Best.
by abuss368
Wed Oct 04, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7340

Re: Peter L. Bernstein: Cash BETTER than Bonds

I moved past market timing many years ago and plan to stay the course with our stock and bond allocation. This worked very well through the years and during the financial crisis. Best. +1 Awesome!! Me too! Hi stemikger - Indeed! As Mr. Bogle always recommends "Stay the course"! Hope all is well. Th...
by abuss368
Wed Oct 04, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund Changes
Replies: 4
Views: 906

Re: Vanguard Target Fund Changes

I suspect your employer made this change to the plan. I would expect a communication to plan participants notifying of the change prior to it becoming effective.
by abuss368
Wed Oct 04, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Bucket Question (Bonds in Tax Advantaged or Taxable Account)
Replies: 5
Views: 327

Re: Tax Efficiency Bucket Question (Bonds in Tax Advantaged or Taxable Account)

Hi Jimmy2017 - There is nothing incorrect or wrong with having an allocation to bonds in a taxable account. Depending on your tax bracket or investment preference, you can select Total Bond Index or Intermediate Term Tax Exempt. Much more importance is placed on living below your means, saving, inve...
by abuss368
Wed Oct 04, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881520

Re: What Movie Have You Recently Watched?

We are presently watching the latest season of "Orange is the New Black" on Netflix.
by abuss368
Wed Oct 04, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7340

Re: Peter L. Bernstein: Cash BETTER than Bonds

I moved past market timing many years ago and plan to stay the course with our stock and bond allocation. This worked very well through the years and during the financial crisis. Best. +1 Awesome!! Me too! Hi stemikger - Indeed! As Mr. Bogle always recommends "Stay the course"! Hope all is well.
by abuss368
Wed Oct 04, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1874

Re: Health Savings Account recommendation

Bogleheads -

Our HSA is presently with Optum Bank. Previously it was with Wells Fargo, however the bank recently sold their HSA services to Optum. Thus far we have no complaints.

Best.
by abuss368
Wed Oct 04, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank 1.3% online savings + $100 bonus
Replies: 5
Views: 1001

Re: CIT Bank 1.3% online savings + $100 bonus

The Vanguard Prime Money Market Fund is presently yielding 1.12%.
by abuss368
Wed Oct 04, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7340

Re: Peter L. Bernstein: Cash BETTER than Bonds

I moved past market timing many years ago and plan to stay the course with our stock and bond allocation. This worked very well through the years and during the financial crisis.

Best.
by abuss368
Wed Oct 04, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing - Trying to find my feet
Replies: 8
Views: 581

Re: New to Investing - Trying to find my feet

I would highly recommend that you consider increasing your investment knowledge by reading a few excellent books. My favorites that I have recommended are: * The Bogleheads Guide to Investing * John Bogle - "The Little Book of Common Sense Investing" * John Brennan - "Straight Talk on Investing" Best.
by abuss368
Wed Oct 04, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1368

Re: accounting software for churches?

I saw a note that my church is looking at accounting software, and I was wondering if anyone had any recommendations? I assume these packages are customized for religious organizations, which have different stuff going on than a regular business. Thanks. Hi mouses - I would recommend QuickBooks as ...