Search found 11344 matches

by abuss368
Tue Aug 15, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 2974

Re: REIT

I am confused about REITs. I currently have $20,000 in a Vanguard REIT ETF, adding $5,000 every few months for about a year. This was suggested as a way to get into real estate investing. The value was at the beginning, and still is, negative. Is there something I am missing? Why is it not gaining ...
by abuss368
Tue Aug 15, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 2974

Re: REIT

FWIW, Berkshire Hathaway recently invested $377 million in a REIT (Store Capital)... https://www.cnbc.com/2017/06/26/warren-buffetts-berkshire-hathaway-takes-stake-in-reit-store-capital.html I presume they see some long term value there! Hi sleepysurf - I did recently read about this. Warren Buffet...
by abuss368
Mon Aug 14, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 2974

Re: REIT

Another thing to note is that reits were not included in major indices initially, so there could have been benefit to adding them in a portfolio. I don't think that is right. IIRC REITs have been part of the S&P 500 for the last 30 years. This past year also included a huge milestone for REITs. The...
by abuss368
Mon Aug 14, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 2974

Re: REIT

This past year also included a huge milestone for REITs. The Global Industry Standard has removed EQUITY REITs from the finance sector to a newly created real estate sector. This is huge as more and more real estate is becoming publicly traded.
by abuss368
Mon Aug 14, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds with the highest minimum investment
Replies: 15
Views: 2065

Re: Vanguard funds with the highest minimum investment

This information is located on Vanguards website. The data an change and adjust over time.
by abuss368
Mon Aug 14, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 2974

Re: REIT

We have been REIT investors for many years: first with individual REITs and now simply the Vanguard U.S. and International REIT Index funds.

The investment has worked very well and is planned to provide substantial cash flows from dividends for future retirement.

We plan to stay the course.
by abuss368
Sat Aug 12, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 318
Views: 182783

Re: The Core Four

Has the thinking about REITs as a portfolio diversifier to maintain return while reducing risk changed since Rick's (2010) and Malkiel's (2014) books? There seem to be many opinions, but I don't think anybody really knows. As I recall, the author of that article in the link you posted (Larry Swedro...
by abuss368
Sat Aug 12, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 104
Views: 16092

Re: Best place (with warm weather) to raise children

moneywise3 wrote:
Dendritic Tree wrote:Asheville, NC is a mountain paradise and has excellent public schools.
Asheville is no warm weather. You can get 5 deg warmer in Greenville SC.
I have visited both places. Very nice.
by abuss368
Fri Aug 11, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: The Core Four
Replies: 318
Views: 182783

Re: The Core Four

Thank you, all, for a great thread! I am thinking of adding a 10% of equities allocation to REITs in my 3 fund portfolio as per Rick Ferri's "All About Asset Allocation," 2nd edition and Burton Malkiel's "A Random Walk Down Wall Street," 11th edition. Both mention that, historically, (a) REITs have...
by abuss368
Wed Aug 09, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 50
Views: 6506

Re: news yesterday that Buffett has $100,000,000,000 in cash now

Seriously, he could make an offer to the Johnson family and buy Fidelity! Wouldn't that be something? A billion here and a billion there and pretty soon you are into serious money! Hi nedsaid - While I would have to think that purchasing Vanguard is impossible, buying the Fidelity business is inter...
by abuss368
Wed Aug 09, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Good article about having the "RIGHT" asset allocation
Replies: 27
Views: 3392

Re: Good article about having the "RIGHT" asset allocation

Bogleheads -

Asset allocation is the most important decision an investor can make. An investors allocation between stocks, bond's, and cash should be based on each investors timeframe, goals, and tolerance for risk.

Best.
by abuss368
Wed Aug 09, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: Should TBM Be Your Only Bond Fund?
Replies: 33
Views: 4894

Re: Should TBM Be Your Only Bond Fund?

Bogleheads - In my opinion any low cost and diversified short or intermediate term investment grade bond fund will provide both safety and income to an investment portfolio. Bond returns are the result of both credit and term. Total Bond Index is an excellent investment and for good reason is now th...
by abuss368
Wed Aug 09, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Physician & Real Estate investor seeks advice
Replies: 49
Views: 4185

Re: HCP & Real Estate investor seeks advice

LadyGeek wrote:Welcome! Could you please explain what "HCP" stands for?
I too wondered but then guessed Health Care Provider. For a moment, I also thought perhaps he invested in HCP a very large and excellent Health Care REIT!
by abuss368
Wed Aug 09, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 50
Views: 6506

Re: news yesterday that Buffett has $100,000,000,000 in cash now

Bogleheads -

I am curious at what point will the Shareholders of Berkshire demand a dividend to be paid.

Best.
by abuss368
Wed Aug 09, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 50
Views: 6506

Re: news yesterday that Buffett has $100,000,000,000 in cash now

Seriously, he could make an offer to the Johnson family and buy Fidelity! Wouldn't that be something? A billion here and a billion there and pretty soon you are into serious money! Hi nedsaid - While I would have to think that purchasing Vanguard is impossible, buying the Fidelity business is inter...
by abuss368
Tue Aug 08, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5466

Re: Vanguard Money Market vs. Savings Accounts

Cash would keep up with inflation better with Vanguard (while still below inflation, better than bank) Inflation is eroding the value of our savings. The money market at least provides a little more than half of current inflation! Have you considered transitioning to ibonds? It will take a few year...
by abuss368
Tue Aug 08, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 105
Views: 17259

Re: Wells Fargo

I was concerned that moving our cash and closing the Savings account with Wells Fargo may impact our relationship with the Bank. Has anyone ever experience a fallout in the relationship when moving funds and closing Savings accounts? Closing your savings account might affect the fees you pay for a ...
by abuss368
Tue Aug 08, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 105
Views: 17259

Re: Wells Fargo

Has anyone ever experience a fallout in the relationship when moving funds and closing Savings accounts? A while back, in the span of a few months, I closed all Chase accounts but one and transferred out hundreds of thousands of dollars when I learned that I could do something better with the money...
by abuss368
Mon Aug 07, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 105
Views: 17259

Re: Wells Fargo

Bogleheads -

Has anyone ever read any good books on the history of Wells Fargo?

Best.
by abuss368
Mon Aug 07, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 105
Views: 17259

Re: Wells Fargo

Bogleheads - We have transferred some cash from our Wells Fargo Savings account as the yield has been 0.03% to the Vanguard Prime Money Market Fund with the yield of approximately 1.10%. We understand the Prime Money Market Fund is not an FDIC insured fund. I was concerned that moving our cash and c...
by abuss368
Mon Aug 07, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5466

Re: Vanguard Money Market vs. Savings Accounts

Bogleheads -

To circle back, we have moved some funds to the Vanguard Prime Money Market Fund. The yield is approximately 1.10%. We will begin to wind down our Savings account that is presently yielding 0.03%.

Best.
by abuss368
Mon Aug 07, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 2849

Re: How do you deal with financial anxiety?

Visit Atlantic City?
by abuss368
Mon Aug 07, 2017 9:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 15
Views: 4264

Re: Is the Munchkin MAN still alive?

Bogleheads -

I enjoyed the Munchkin Mans very unique posts.

I wish him well.

Best.
by abuss368
Mon Aug 07, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 7988

Re: US and International Bond Fund Allocation

Vanguard's thesis that its total international bond index fund provides meaningful diversification benefits to a bond allocation consisting of its total bond market index fund holds true. The correlation between the two since VTIBX inception in June 2013 is 0.64. VTIBX also has lower daily, monthly...
by abuss368
Mon Aug 07, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 5824

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

Bogleheads: Vanguard's new CEO, Tim Buckley, doesn't mince words: "As we continue to get scale, as we continue to grow and we get more efficient, we pass a large part of that back to our clients in the form of lower expenses. That’s not going to stop,” Buckley said Thursday on a company webcast. "I...
by abuss368
Mon Aug 07, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 12230

Re: Jack Bogle - Two Fund Portfolio

stemikger wrote:
I just have a small amount in it in my TIRA. I look at it as a placeholder for when I switch my entire 401K into it. I jumped in and out of it, at one point it was all in the Vanguard Total Market Index, but that was a lapse in judgment.
Keep investing simple!
by abuss368
Mon Aug 07, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 5532

Re: Can real estate investing (actual properties) be relatively "hands off"?

staybalanced wrote:
abuss368 wrote:Bogleheads -

Is anyone aware of websites or other areas of information for small apartment investment opportunities?

Best.
I think Bigger Pockets website would be the place to look/ask.
Thank you. I will check it out.

Best.
by abuss368
Mon Aug 07, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839114

Re: What Movie Have You Recently Watched?

Wolf of Wall Street.
by abuss368
Sat Aug 05, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 94
Views: 7621

Re: LED light bulbs

Bogleheads -

We have been buying the lowest cost LED bulbs at Home Depot.

Best.
by abuss368
Sat Aug 05, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 5532

Re: Can real estate investing (actual properties) be relatively "hands off"?

Bogleheads -

Is anyone aware of websites or other areas of information for small apartment investment opportunities?

Best.
by abuss368
Sat Aug 05, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 7988

Re: US and International Bond Fund Allocation

A little off topic..... Why does Vanguard have these Global Bond Funds available only to Non Us investors? m#overview This has been brought up in the forum before, but doesn't usually go anywhere. I'm guessing that a high non-US bond component would not be popular in the US. This one is 59% non-US....
by abuss368
Sat Aug 05, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36730

Re: Quicken's future direction - a cause for concern

Bogleheads -

I suspect Quicken will become a subscription model and service. I also believe eventually it will be web based and thus no locally installed software.

Best.
by abuss368
Thu Aug 03, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4297

Re: Beach condo investing

I do not think it is a bad idea if you fully research everything and be aware of the possible rewards and risks.
by abuss368
Mon Jul 31, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 7988

Re: US and International Bond Fund Allocation

This has been a good thread.
by abuss368
Mon Jul 31, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839114

Re: What Movie Have You Recently Watched?

Deepwater Horizon from Redbox. Wow! Great film.
by abuss368
Mon Jul 31, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3841

Re: Why is BND best?

Bogleheads - During the financial crisis, Total Bond Index was up in terms of performance. This fund simply did the job of providing safety and income to an investment portfolio. I would be curious how Total International Bond Index would perform in a financial crisis as Vanguard investment experts ...
by abuss368
Mon Jul 31, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 10995

Re: Your "at peace" moments.

tennisplyr wrote:Sitting on the beach listening to the water and seagulls, smelling the fresh sea air and taking in a sunny day.


Hi tennisplyr -

In Sarasota Florida? That is paradise! We have visited Siesta Key many times and always love it!
by abuss368
Sat Jul 29, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 10995

Re: Your "at peace" moments.

I work midnights in New York City. I try to take my break when the sunrises and walk the streets. It is eerily quiet at that time and is the best part of my day. I work in the Wall Street area and walk down Pier 17 at the South Street Seaport and watch the sunrise over the water. It is really bliss...
by abuss368
Sat Jul 29, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 7988

Re: US and International Bond Fund Allocation

Indeed as we have been considering the fund.
by abuss368
Sat Jul 29, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4325

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

I have thought about this over the years so this interview was informative.

Thank you!
by abuss368
Sat Jul 29, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5466

Re: Vanguard Money Market vs. Savings Accounts

An excellent thread with great feedback!
by abuss368
Sat Jul 29, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Brokerage & Mutual Fund Accounts
Replies: 9
Views: 741

Re: Vanguard - Brokerage & Mutual Fund Accounts

Only complaint I have about upgrading was I lost the ability I had to make changes to my spouse's Vanguard IRA brokerage accounts. This was remedied by filling out an authorization form which required notarization and two witnesses. This was done by my bank here in Michigan but Michigan law allows ...
by abuss368
Sat Jul 29, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3841

Re: Why is BND best?

Incendiary wrote:May have to check it out, then. Thanks for sharing!


No problem. Start a new thread with any questions or concerns.

Best.
by abuss368
Sat Jul 29, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2521
Views: 795470

Re: What Book Are You Currently Reading? Part VI

The Bogleheads Guide to Investing 2nd Edition.
by abuss368
Sat Jul 29, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3841

Re: Why is BND best?

I know vanguard recommends it, but I'm still not sold on the international bond fund, much like I'm not yet ready to buy the international reit fund. Hi Incediary - We have invested in both the Vanguard U.S. and International REIT Index funds for many years and are pleased with the results. One not...
by abuss368
Sat Jul 29, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Brokerage & Mutual Fund Accounts
Replies: 9
Views: 741

Re: Vanguard - Brokerage & Mutual Fund Accounts

The opening post had a number of questions. Here are answers based on my insights and experience. "Let's assume that one does open a Brokerage Account. Would the existing accounts be transitioned to Brokerage Accounts?" Opening a Vanguard Brokerage, by itself, should not cause any previou...
by abuss368
Sat Jul 29, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3841

Re: Why is BND best?

Most people recommend BND or the mutual fund equivalents as the sole bond fund in the three fund portfolio. Unless I'm mistaken, it invests in only intermediate term bonds, to the exclusion of short and long term ones. Why ignore those? Hi Incendiary - We have invested in Vanguard Total Bond Index ...
by abuss368
Sat Jul 29, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Brokerage & Mutual Fund Accounts
Replies: 9
Views: 741

Vanguard - Brokerage & Mutual Fund Accounts

Bogleheads - In trying to better understand options regarding opening an additional money market account, it appears on Vanguard's website that all new accounts are now Brokerage Accounts only. I did not read anything regarding a Mutual Fund Account. It appears on the surface this may not be of conc...