Search found 9069 matches

by abuss368
Wed Feb 03, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5329

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: 9859

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: 1173

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: 459
Views: 93619

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: 11081

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: 689096

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: 4933

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: 1035

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: 4554

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: 1150

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: 1497

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: 4489

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: 4598

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: 1790

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: 1790

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: 4554

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: 4956

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: 466

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: 1439

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: 1791

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: 319

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: 6209

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: 1159

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: 948

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: 6209

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: 3590

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: 338

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: 6209

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: 4902

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: 592

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: 689096

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: 3588

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: 1854

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: 4050

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...
by abuss368
Thu Jan 21, 2016 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 6838

Re: Market down - lost alot of $ - nervous..

I have alot of money invested in a stock/bond mix on Vanguard (75%/25% mix) with most of my money in Vanguard Total Stock, some in Total Int'l Stock and some in Target Retirement 2045... and to top it off I bought more in December (before it started going down). The one that took the biggest hit is...
by abuss368
Thu Jan 21, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3588

Re: Vanguard Store Items

Nice items. Do these sales lower my fund expense ratios even more?
by abuss368
Thu Jan 21, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: The Confounding Bias for Investment Complexity
Replies: 22
Views: 1974

Re: The Confounding Bias for Investment Complexity

Thank you for sharing.

Best.
by abuss368
Thu Jan 21, 2016 1:04 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 689096

Re: "The Simplest Wealth Plan Ever"

Hi Taylor, Always read your posts with much interest. Can you all please explain the downsides of the 3-fund over adding a 4th fund (TIPS). Am I already covered against inflation with the 3-fund? 3-fund portfolio being US equities (VTSAX), Intl equities (VTIAX), and Bond index funds (VBTLX)? Thanks...
by abuss368
Tue Jan 19, 2016 7:09 am
Forum: Personal Finance (Not Investing)
Topic: [ I have] overspent this month.
Replies: 30
Views: 4001

Re: [ I have] overspent this month.

Stick to your original plan and stay the course.

Move the over saved amount back as your plan calls for.
by abuss368
Tue Jan 19, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Allocation question - change now?
Replies: 13
Views: 859

Re: Allocation question - change now?

I think investors on the whole may have become a little used to the reduced volatility over the years.
by abuss368
Tue Jan 19, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Real estate investment for newbie
Replies: 23
Views: 1837

Re: Real estate investment for newbie

Considering the time commitment, minimal diversification, higher costs, and liquidity drag, I would rethink the strategy. I prefer the simplicity is the Vanguard U.S. and International REIT Index funds. Minimal cost, a lot of diversification (over 700 top property companies), and cash flow from incr...
by abuss368
Tue Jan 19, 2016 6:51 am
Forum: Investing - Theory, News & General
Topic: Tomorrows Market Open?
Replies: 37
Views: 4762

Re: Tomorrows Market Open?

I recall the days for the financial crisis and how at night on all the major news programs the reporters would cover the international markets and essentially create a panic about the soon to be opening U.S. markets.
by abuss368
Tue Jan 19, 2016 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Allocation question - change now?
Replies: 13
Views: 859

Re: Allocation question - change now?

Hi 7thSunday,

If the difference is keep you up at night, then by all means rebalance. I would wait as the market has been volatile as of late. Vanguard experts typically recommend a variation of 5% or mor before rebalancing.

Best.
by abuss368
Tue Jan 19, 2016 6:46 am
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3617

Re: "Do You Need to Diversify by Fund Company?"

Hi Taylor,

Thank you for that excellent article. Moving to Vanguard was the best financial decision we ever made.

Thank you Jack!

Best.
by abuss368
Tue Jan 19, 2016 6:45 am
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3617

Re: "Do You Need to Diversify by Fund Company?"

If I reach the point of having more than the SIPC insured amount (currently $500k total, $250k cash), I'd feel more comfortable diversifying brokerages. With employer retirement accounts it's usually not an option. What happens if the fund company goes under but the brokerage doesn't, or vice versa...
by abuss368
Tue Jan 19, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 689096

Re: The Three-Fund Portfolio

AnotherGuyInOhio wrote:I have a government (or I will have one when I retire in 20 - 30 years). . . How should that effect bond allocation in the 3 fund portfolio?


It may reduce your need to take risk but also your ability to take risk.

I will still consider the overall risk to the investment portfolio.
by abuss368
Sun Jan 17, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3685

Re: Does a BH play the lottery?

We do not. However, last week we contributed $10 to an office pool for the $1.5 BILLION!
by abuss368
Sun Jan 17, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2484

Re: Bank of America disses older clients

Client service!

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