Search found 10729 matches

by abuss368
Tue Dec 06, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 57
Views: 8857

Re: Is Quicken Worth it?

How does the Admiral share conversion work? Any rounding issues like prior versions?
by abuss368
Tue Dec 06, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 117
Views: 10917

Re: Retirement with $8M in investments

$8,000,000 at 3.00% average dividend yield (with REITs, etc) is $240,000 a YEAR! One can not live on that? Best. If your expenses are 250k, you can't live on 240k:) The person making 20k thinks making 30k will solve the money issues. The person making 40k thinks 60k will do the trick, and so on. It...
by abuss368
Mon Dec 05, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 117
Views: 10917

Re: Retirement with $8M in investments

$8,000,000 at 3.00% average dividend yield (with REITs, etc) is $240,000 a YEAR! One can not live on that?

Best.
by abuss368
Mon Dec 05, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: W4 Allowance Rules
Replies: 6
Views: 548

Re: W4 Allowance Rules

Hi all, I am planning to increase my W4 allowances significantly (from 0 currently to 10) and simultaneously plan to pay estimated taxes in the amount of that difference every month using my credit card. The benefit is that it would generate spend and points for my credit card (I would pay off the ...
by abuss368
Mon Dec 05, 2016 6:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 54
Views: 3750

Re: livesoft is almost at 50,000 posts...

Livesoft,

You have surpassed 50,000 posts! Congrats! I personally have always enjoyed your posts and perspective.

Best.
by abuss368
Mon Dec 05, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: Israelsen's Research on International Bonds
Replies: 8
Views: 632

Re: Israelsen's Research on International Bonds

Interesting -- this does seem a bit inconsistent and inconclusive. In reviewing our simple three-fund portfolio, a Vanguard advisor recently told me that in PAS accounts they're no longer accepting new clients who aren't open to at least a little bit of int'l fixed-income exposure. Hopefully I mish...
by abuss368
Sun Dec 04, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: 32 GB or 128GB storage for a new smartphone?
Replies: 35
Views: 2576

Re: 32 GB or 128GB storage for a new smartphone?

If you have a lot of media on your phone you will probably be fine with 32 GB.
by abuss368
Sun Dec 04, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 511929

Re: What Movie Have You Recently Watched?

Mission Impossible 3 on Netflix.
by abuss368
Sat Dec 03, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 126
Views: 5349

Re: What percentage of international do you hold?

Presently we hold 40% of stocks in international and 0% bonds. We may add Total International Bond Index in the future.
by abuss368
Sat Dec 03, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation
Replies: 69
Views: 3565

Re: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation

Anyone aware of the performance difference between short term bond index and short term TIPS? I would expect the index to not have as much inflation risks. for the month of november the short term bond index was down -0.92% while the short term tips index was down -0.52% Ok. Any idea on 1, 3, and 5...
by abuss368
Fri Dec 02, 2016 10:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation
Replies: 69
Views: 3565

Re: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation

Anyone aware of the performance difference between short term bond index and short term TIPS? I would expect the index to not have as much inflation risks.
by abuss368
Fri Dec 02, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11055

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. <snip> Why do they go opposite the stocks and bonds? Is there a scientific explanation for this 'behavior' or is it just money moving from out of stock/bonds into REIT to "foll...
by abuss368
Fri Dec 02, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 27
Views: 2322

Re: Buy iPhone 7 or Wait for iPhone 8

I have a 5s so the iPhone 7 or 8 would be fine.
by abuss368
Fri Dec 02, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11055

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Best...
by abuss368
Fri Dec 02, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 50
Views: 6628

Re: Frustrated wtih how boring personal finance is

Spend time on this forum helping others. Read books. Watch movies. Hang with with friends.
by abuss368
Fri Dec 02, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 50
Views: 6628

Re: Frustrated wtih how boring personal finance is

I have a goal to simplify our financial lives even more for the new year. Taylor is so right! We have found out that we do not need all these spreadsheets, cash transfers, and other statements, etc.

I am actually excited!
by abuss368
Fri Dec 02, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 50
Views: 6628

Re: Frustrated wtih how boring personal finance is

That is the goal! If it is boring you are doing something right!
by abuss368
Fri Dec 02, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

Thanks! Good feedback.
by abuss368
Fri Dec 02, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation
Replies: 69
Views: 3565

Re: Vanguard Short Term TIPs fund: Risk vs. Reward and deflation

How did Short Term TIPS compare to Short Term Bond Index?
by abuss368
Thu Dec 01, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

What about "Tap Dancing to Work"?
by abuss368
Thu Dec 01, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 57
Views: 8857

Re: Is Quicken Worth it?

What am I missing? Is this a new policy on the part of Quicken? If I purchased Quicken 2017 for Mac would I be forced to buy a new copy in three years? You don't have to upgrade, but certain online features will no longer work after three years: https://www.quicken.com/support/quicken-discontinuati...
by abuss368
Wed Nov 30, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help me sell our TIPS
Replies: 11
Views: 969

Re: Help me sell our TIPS

Vanguard investment experts recommend a two fund bond strategy that includes Toal Bond Index and Total International Bond Index.
by abuss368
Wed Nov 30, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

If you want to learn about Buffett, Lowenstein's book is the single best source. Snowball is mediocre IMHO due to Schroeder but is essential in spite of her because so much of it was dictated by Buffett and so it contains a treasury of engrossing and original material. If you want to invest like Bu...
by abuss368
Wed Nov 30, 2016 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Help me sell our TIPS
Replies: 11
Views: 969

Re: Help me sell our TIPS

We have shares in Vanguard TIPS fund (VAIPX) within an IRA and now want out. My husband and I follow a mostly 3-fund investment plan, using Vanguard’s Total Stock, Total International, and Total Bond funds. When my husband retired a few years ago, we rolled the proceeds from his 457 and 403B plans ...
by abuss368
Wed Nov 30, 2016 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Improve The Three-Fund Portfolio?
Replies: 8
Views: 706

Re: Improve The Three-Fund Portfolio?

The Three Fund Portfolio is a excellent strategy and difficult to beat.
by abuss368
Wed Nov 30, 2016 1:13 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

Bogleheads, Not many responses to this thread. I assumed Warren Buffett was popular as well as his books. Perhaps Bogleheads do not read his books as much as I assumed! Best. Probably because Warren Buffett is a stock picker. When I was just starting to invest logically I read "How to pick sto...
by abuss368
Tue Nov 29, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Funds in Taxable account
Replies: 31
Views: 2184

Re: Vanguard LifeStrategy Funds in Taxable account

Capital loss and gains are reported on Schedule D (and Form 8949). This is from Form 1099-B. All Dividend Income is reported on Schedule B. This is from Form 1099-DIV Thank you! We haven't received 1099-B. Do we receive it only when we sell any shares? We haven't sold any shares on these funds. Cor...
by abuss368
Tue Nov 29, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11055

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Best...
by abuss368
Tue Nov 29, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Funds in Taxable account
Replies: 31
Views: 2184

Re: Vanguard LifeStrategy Funds in Taxable account

Hi Chestnut, Welcome to the Bogleheads! A few items: 1) You appear to have a lot of fund overlap between the two LifeStrategy funds and also the Total Stock and S&P 500 Funds. I would consolidate the S&P 500 into the Total Stock. Total Stock holds all U.S. securities and companies including...
by abuss368
Tue Nov 29, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: "Investing Taxable Money in Active Stock Funds? Bad Idea"
Replies: 4
Views: 815

Re: "Investing Taxable Money in Active Stock Funds? Bad Idea"

Bogleheads: Jeffrey Ptak, CFA, is head of global manager research with Morningstar . Mr. Ptak gives us the results (with charts) of a recent Morningstar Study comparing index funds and actively managed stock funds (Bogleheads know who won). These are excerpts: We conducted a study recently in which...
by abuss368
Tue Nov 29, 2016 11:22 am
Forum: Investing - Theory, News & General
Topic: "Investing Taxable Money in Active Stock Funds? Bad Idea"
Replies: 4
Views: 815

Re: "Investing Taxable Money in Active Stock Funds? Bad Idea"

Taylor, Thanks for posting. I do have a confession though...... I have 3000.00 in an active fund in my taxable account- Wellesley Income just in case they decide to close it some day :beer Not available in my 401K that I have not converted to an IRA yet. Best wishes, Dan Hi Dan, This is usually alw...
by abuss368
Tue Nov 29, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: AppleCare?
Replies: 12
Views: 1225

Re: AppleCare?

Not sure so you may need to call them. I have never (knock on wood) purchased AppleCare.
by abuss368
Tue Nov 29, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 57
Views: 8857

Re: Is Quicken Worth it?

I currently use Mint.com (just for my checking account and credit card) and a spreadsheet that I manually enter for all of my investments. I'd rather not have any passwords on a third party server so I'm thinking about switching to something like Quicken. I have a bunch of questions: 1. Do you use ...
by abuss368
Tue Nov 29, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11055

Re: Anybody regretting holding on to your REITS?

How have REITs performed historically compared to stocks & bonds? Historically they zig when stocks or bonds zag. However, in times of financial stress all assets may decrease. This was true during the financial crisis. However, REITs performed very well during the technology bust of 2000. Best.
by abuss368
Tue Nov 29, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Funds in Taxable account
Replies: 31
Views: 2184

Re: Vanguard LifeStrategy Funds in Taxable account

We have Vanguard taxable account with four funds --Vanguard LifeStrategy Growth, Vanguard LifeStrategy moderate growth, Vanguard Total Stock Market Index (admiral) and Vanguard S&P 500 index fund (admiral). :oops: (I know now, not very smart to have Lifestrategy funds under taxable. We did this...
by abuss368
Tue Nov 29, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: 529 Contributions by Grandparents
Replies: 14
Views: 1059

Re: 529 Contributions by Grandparents

First, congrats on taking college funding so serious and planning ahead. In terms of your dilemma, there are options available, many of which have already been noted above. First, you could simply have Grandparents fund the 529 Plans. Yes, this would remove the assets from their estate and creditors...
by abuss368
Tue Nov 29, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

Bogleheads,

Not many responses to this thread. I assumed Warren Buffett was popular as well as his books. Perhaps Bogleheads do not read his books as much as I assumed!

Best.
by abuss368
Tue Nov 29, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11055

Re: Anybody regretting holding on to your REITS?

Thank you for the book recommendation abuss368. I have added "Investing in REITs" by Ralph Block to my wish list and look forward to reading it. Sounds like just the book I've been wanting! Hi Ivygirl, No problem. I read the 3rd edition many years ago and purchased the 4th edition. I norm...
by abuss368
Tue Nov 29, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Bookkeeping/Accounting Book
Replies: 10
Views: 1206

Re: Bookkeeping/Accounting Book

"More Than A Numbers Game" provided an excellent history and background of accounting to build from.
by abuss368
Tue Nov 29, 2016 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6593

Re: Investing in the 80's when CD rates were 17%?

Bogleheads, I have read and learned about interest rates that were paying very well in terms of bank accounts, CD's, and money market funds. It makes an investor want to invest money in CD's only! Then I also read about inflation and mortgage rates being in the double digits as well and that painted...
by abuss368
Tue Nov 29, 2016 9:09 am
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2341

Re: Thanks BH for a non-political oasis

Bogleheads,

I have always been thankful that the forum does not allow political discussions. The financial information and advice is unbiased and sound.

Together we are helping investors by providing advice inspired by Jack Bogle!

Best.
by abuss368
Tue Nov 29, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: Bookkeeping/Accounting Book
Replies: 10
Views: 1206

Re: Bookkeeping/Accounting Book

A college textbook for an entry level course may also be an option.
by abuss368
Mon Nov 28, 2016 11:58 pm
Forum: Investing - Theory, News & General
Topic: Backtesting International Bonds (as an aggregate)
Replies: 31
Views: 1636

Re: Backtesting International Bonds (as an aggregate)

What about portfolio visualizer? It has a selection under the asset allocation backtesting tool for USD Hedged global bonds (and unhedged) -- goes back to 1999. It shows that in 2008 this asset class lost -2.35%. Personally, I face a quandary since talking to a Vanguard advisor recently who informe...
by abuss368
Mon Nov 28, 2016 9:45 am
Forum: Forum Issues and Administration
Topic: Slow loading of pages.
Replies: 6
Views: 600

Re: Slow loading of pages.

I did not experience any slow loading of the website over the holiday.
by abuss368
Mon Nov 28, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 1715

Re: Warren Buffett Books

I read Snowball and thought it was excellent. With that said I would add that I was surprised that Buffett would actually reveal all that he did. While a great friend he was awful father and awful husband. As great a success as he was as investor IMO he was awful failure at two far more important t...
by abuss368
Mon Nov 28, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?
Replies: 29
Views: 2788

Re: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?

In my opinion, I would pause a little and think about this. At your age and accumulated wealth, I personally would not want a full time job in terms of building a real estate company. I would prefer very low cost and diversified index funds. 2 - 6 funds would be more than enough and should generate ...
by abuss368
Mon Nov 28, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Creating my own target retirement glide
Replies: 57
Views: 3326

Re: Creating my own target retirement glide

I mostly have, but that is only at this point because I have not been persuaded that I won't end up with hopefully a ~3% higher principal just due to the fees alone. If I have not understood the math at that point, I may switch (or if vanguard reduced their fees on the target retirement funds). Tha...
by abuss368
Mon Nov 28, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: What do your allocation numbers look like?
Replies: 14
Views: 1275

Re: What do your allocation numbers look like?

If I were asking for a portfolio review, then that would be a valid point. But I'm not asking for any input to my portfolio, just sharing. That's why it's in Theory instead of Personal Investing. You can look up the tickers or not. You can share yours to any degree you like, of course. You can see ...

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