Search found 11429 matches

by abuss368
Mon Sep 25, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 79
Views: 10347

Re: Becoming a Landlord: My Experiences

This is a very beneficial and educational thread.
by abuss368
Mon Sep 25, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 534
Views: 207092

Re: TV show recommendations?

goldendad wrote:
Thu Aug 10, 2017 8:16 am
West Wing

I have this in my folder on Netflix to watch.
by abuss368
Mon Sep 25, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 9
Views: 989

Re: Warren Buffett Books

Phil DeMuth wrote:
Mon Sep 25, 2017 10:47 am
The Lowenstein bio is the best. Then I would read "The Essays of Warren Buffett" by that professor who edits his letters by topic.

You can be an A+ Boglehead investor without reading a word of Buffett. That said, he is an investing god.
Thanks!
by abuss368
Sun Sep 24, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

“The Newton Boys” on Netflix.
by abuss368
Sun Sep 24, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 84
Views: 4104

Re: Where do you get your news?

I read The Wall Street Journal.
by abuss368
Sun Sep 24, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 9
Views: 989

Re: Warren Buffett Books

I m afraid based on the minimal responses that books about Warren Buffett may not be popular or on the must read list.
by abuss368
Sun Sep 24, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 45
Views: 3670

Re: IOS 11: Anybody using it yet?

Downloaded it last night. No problem thus far and works fine.
by abuss368
Sat Sep 23, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 9
Views: 989

Re: Warren Buffett Books

I wanted to add that The Snowball is over 900 pages!
by abuss368
Sat Sep 23, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 9
Views: 989

Warren Buffett Books

Hi Bogleheads -

Has anyone read the following books:

1) The Snowball
2) Tap Dancing to Work
3) Buffett - The Making of an American Capitalist


If so, what are your thoughts and perspectives?

Best.
by abuss368
Sat Sep 23, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: International Bond Funds
Replies: 4
Views: 486

Re: International Bond Funds

Vanguard investment experts recommend a two fund strategy that includes Total Bond Index and Total International Bond Index. The International bonds sub-allocation is 30% of the overall bond percentage in an investment portfolio. The most important decision an investor makes is the overall asset all...
by abuss368
Sat Sep 23, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1842
Views: 1105635

Re: "Warren Buffet Says 99% of Investors Should Net Even Try to Beat the Market"

Bogleheads: Warren Buffet Says 99% of Investors Should Not Even Try to Beat the Market Warren Buffet would like The Three-Fund Portfolio. Best wishes Taylor [Title fixed by admin LadyGeek] Hi Taylor - Indeed. Warren Buffett has recommended during many interviews on television that most investors sh...
by abuss368
Sat Sep 23, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16788

Re: Iphone X is $1000

The iPhone is simply the best phone I have ever used.

Thanks.
by abuss368
Sat Sep 23, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1066

Re: Why use a REIT over a rental property?

You may want to consider adding the Vanguard International REIT/RE Index Fund as a compliment to the U.S. REIT Index Fund. The additional diversification is a positive and I have noticed that the two funds compliment each other. The International REIT/RE Index funds holds approximately 677 companies...
by abuss368
Sat Sep 23, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset location
Replies: 10
Views: 668

Re: Help with asset location

Thank you, I am worried that I am in analysis paralysis! Hi spelhouse04 - Analysis paralysis can be common and has probably impacted most investors at one time in their investment journey. Sometimes the key is trial and error. Thankfully the Bogleheads are available to assist and hopefully avoid an...
by abuss368
Sat Sep 23, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1066

Re: Why use a REIT over a rental property?

Been thinking about this for a while. I have VGSIX in my Roth IRA, but what is the purpose of it? Its extremely volatile, one housing bubble and can drop 50-75%. All for a 4% dividend? I have 8k in it. Rental properties on the other hand require a downpayment. (Can use 8k from VGSIX) and can bring ...
by abuss368
Sat Sep 23, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1066

Re: Why use a REIT over a rental property?

1) REITs are commercial real estate, rental properties as you describe them sound like residential real estate. I don't know why you'd want commercial real estate over residential real estate, but but if you did, you'd want a REIT. 2) VGSIX holds 158 REITs. I don't know just what diversification do...
by abuss368
Sat Sep 23, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Article from Pfau on non us countries mostly not supporting 4%
Replies: 6
Views: 1077

Re: Article from Pfau on non us countries mostly not supporting 4%

That is interesting and thank you for sharing. I would suspect that this article supports worldwide diversification in an investment portfolio. Home country bias (example: Japan and Austria) can be risky.
by abuss368
Sat Sep 23, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset location
Replies: 10
Views: 668

Re: Help with asset location

There are two strategies that can be utilized. One is "equal location" as recommended by Rick Ferri. Essentially the same funds in each account. The other strategy is "asset location" which is bonds in tax advantage and stocks filled around in taxable and tax advantaged as needed. There are advantag...
by abuss368
Sat Sep 23, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 801

Re: Vanguard college calculator and some questions

OK, nothing wrong with saving / investing in a taxable account. By the time kids are in college your taxable account will be growing each year by the full 4-year cost of a private elite university undergraduate degree. Importantly a 529 plan is removed from your estate and also no t exposed to cred...
by abuss368
Sat Sep 23, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 801

Re: Vanguard college calculator and some questions

That is an interesting calculator provided by Vanguard. I did not see that previously.

Thank you for sharing.
by abuss368
Sat Sep 23, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond allocation choices for rebalancing 401k
Replies: 7
Views: 560

Re: Bond allocation choices for rebalancing 401k

Any short or intermediate term investment grade bond fund that is low cost and diversified will provide safety and income to an investment portfolio.
by abuss368
Sat Sep 23, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Bond allocation choices for rebalancing 401k
Replies: 7
Views: 560

Re: Bond allocation choices for rebalancing 401k

I decided to rebalance our 401k. Our Total Market fund (held through BlackRock- No symbol) has done very well and I want to move some of the money into our bond funds. I am concern a little with bond duration and with next year's increasing interest rates..ideally 3-4...but know no knows for sure. ...
by abuss368
Mon Sep 18, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

"Lucky Number Slevin" on Netflix. This is a very good movie.
by abuss368
Fri Sep 15, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2136

Re: Financial Page: REITs and International/Emerging Bonds

We have invested in the Vanguard U.S. and International REIT/RE Index funds for many years. The two funds seem to compliment each other well.
by abuss368
Fri Sep 15, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: REIT vs. Rental Property vs. Pay off the mtg
Replies: 43
Views: 2790

Re: REIT vs. Rental Property vs. Pay off the mtg

What about purchasing a REIT Index Fund with $150,000 and yields 3.50% = $5,250. Assume 25% or $1,250 to tax with approximately $4,000 left over or $350 a month. Apply the $350 a month to the existing mortgage. If one purchases a rental property debt free, the income is taxed the same as a REIT fund...
by abuss368
Fri Sep 15, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: REIT vs. Rental Property vs. Pay off the mtg
Replies: 43
Views: 2790

Re: REIT vs. Rental Property vs. Pay off the mtg

Either invest in a taxable brokerage account, or purchase a rental and set it up as self-employment. If you have self-employment income, you can set things up for tax advantages - essentially, some of the limits on retirement plans are per-employer, and "buy a rental property and rent it out" makes...
by abuss368
Fri Sep 15, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Does Not have 2-Factor Authentication on Mobile App? Corr. w/Vanguard re This
Replies: 9
Views: 814

Re: Vanguard Does Not have 2-Factor Authentication on Mobile App? Corr. w/Vanguard re This

I did see the restricted device option under Account Maintenance before. In terms of the mobile app, I do not use it, but rather sign in, with the 2 factor authentication, on an internet browser.
by abuss368
Fri Sep 15, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

Gifted , and Independence Day 2 . I watched Independence Day 2 when it came out in the theaters last year. I had mixed feelings concerning the quality of the movie. I saw the original movie back in the 90s when I was still a kid (on a VHS tape no less), so there was certainly a nostalgia element to...
by abuss368
Fri Sep 15, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

"The Founder" on Netflix. Starring Michael Keaton playing Ray Kroc and the launch of McDonald's. Very good.
by abuss368
Wed Sep 13, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5313

Re: Vanguard advisor on dividends

In Snarlyjack's defense, John Bogle has talked about increasing the income from a retirement portfolio. He suggested using a slice of a stock portfolio for higher dividend paying stocks and also coupling US Total Bond Market Index with an investment grade Corporate Bond Fund. If income generated by...
by abuss368
Wed Sep 13, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 208
Views: 23334

Re: What is Bitcoin?

There is an interview on CNBC today with Jamie Dimon, JP Morgan CEO. He noted that Bitcoin will collapse and it will end very badly.
by abuss368
Tue Sep 12, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8409

Re: When calculating net worth, how do you value your house?

Is there any source of legal significance where net worth is defined without being inclusive of home equity? I haven't seen any. Definition of an Accredited Investor based on net worth excludes primary residence That reference actually supports the legal definition. See https://en.wikipedia.org/wik...
by abuss368
Sun Sep 10, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8409

Re: I don't

At zero$. We have to live somewhere. You ask me my net worth and I will reply with the sum of: stocks, bonds, cash. No car. No house. I agree. As the years have gone on, we don't include vehicles, kids college funds, or the HSA account. I stopped calculating or including home equity. Most financial...
by abuss368
Sun Sep 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

The Manhattan Project on Netflix.
by abuss368
Sun Sep 10, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: REIT vs Bonds as a hedge against Stocks
Replies: 11
Views: 1219

Re: REIT vs Bonds as a hedge against Stocks

jalbert wrote:
Sat Sep 09, 2017 7:30 pm
investing1012 wrote:
Sat Sep 09, 2017 7:10 pm
Hi, What do the bogleheads think of REIT and Bonds as a hedge against stocks?
REITs failed in 2008
Everything but Total Bond failed during the financial crisis!
by abuss368
Sun Sep 10, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: "Top 5 Ways to Manage Your Money"
Replies: 8
Views: 3449

Re: "Top 5 Ways to Manage Your Money"

A good article and great mention of the Bogleheads!
by abuss368
Sun Sep 10, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 94
Views: 18006

Re: Two Comma Club

Just hit 2 comma club with vested pension lump sum, kids ugma/utma accounts, cash and HSA account. Not including 529s. Does that count or should I hold off on celebrating? Hi am - Personally I would not include the kids accounts or 529 accounts. Those accounts are for the kids and will eventually w...
by abuss368
Sat Sep 09, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global Bond Index Portfolio (annuity)
Replies: 11
Views: 1292

Re: Vanguard Global Bond Index Portfolio (annuity)

I am seeing more and more international bond funds thoughts and posts. Perhaps investors are warming up to them and have become better educated about this asset class. Vanguard offering a low cost and diversified international bond index fund has probably contributed to this.
by abuss368
Thu Sep 07, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 12
Views: 1156

Re: Anyone into real estate investing here?

Sorry to repeat myself: I worked in Commercial RE for many years with Private Equity owners. Investing directly in commercial RE (retail, apartments, office, industrial storage) is a business, a full time job and you better know what you are doing or you will get crushed. Many of the smaller privat...
by abuss368
Thu Sep 07, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5235

Re: "Fear of Finance?" AARP interview with Jack Bogle

Great interview. I just looked at our investment portfolio. Mr. Bogle recommended limiting international to 20% of the portfolio. We allocate 70% to stocks and 30% to bonds. International is 40% of equity. This works out to 20% of the overall investment portfolio. Thank you Mr. Bogle. That's what i...
by abuss368
Thu Sep 07, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bond diversification
Replies: 9
Views: 732

Re: Bond diversification

One or two bond funds maximum is all that is needed in an investment portfolio. Vanguard investment experts recommend a two bond fund strategy: Total Bond Index and Total International Bond Index funds.
by abuss368
Thu Sep 07, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bond diversification
Replies: 9
Views: 732

Re: Bond diversification

In my opinion any short term or intermediate term low cost and diversified investment grade bond fund will provide safety and income to an investment portfolio.
by abuss368
Thu Sep 07, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: the hurricane damages [Berkshire Hathaway's cash on-hand]
Replies: 25
Views: 2924

Re: the hurricane damages

Go read the last annual letter. The aren't writing hardly any cat insurance because premiums were too low. Houston residents lost almost 1 million cars. GEICO has a ~18% marketshare nationally. Assuming Houston, that's 180k total loss cars. Assuming 1/2 were fully covered and an average value of 15...
by abuss368
Thu Sep 07, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5235

Re: "Fear of Finance?" AARP interview with Jack Bogle

Great interview.

I just looked at our investment portfolio. Mr. Bogle recommended limiting international to 20% of the portfolio. We allocate 70% to stocks and 30% to bonds. International is 40% of equity. This works out to 20% of the overall investment portfolio.

Thank you Mr. Bogle.
by abuss368
Wed Sep 06, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: REIT versus Rental properties
Replies: 15
Views: 2018

Re: REIT versus Rental properties

This is a good thread.
by abuss368
Wed Sep 06, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Book
Replies: 13
Views: 1639

Re: Bogle's Book

Would you recommend this book or The Bogleheads Guide to Investing as my first book? Hi DireStraits - I would recommend reading both books as well as all books by Jack Bogle. I have learned much. The two books in particular that you are questioning are somewhat different. One is focused on the over...
by abuss368
Mon Sep 04, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401K with TransAmerica
Replies: 10
Views: 770

Re: 401K with TransAmerica

I had a Vanguard Target Retirement fund with the insurance wrapper that included an expense fee of 1.00%. The mutual fund at vanguard had a much lower expense ratio. In addition there were additional plan fees of at least 0.50%. I stopped contributing at just had the employer profit sharing contribu...
by abuss368
Mon Sep 04, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: 401K with TransAmerica
Replies: 10
Views: 770

Re: 401K with TransAmerica

Our firm just left Transamaerica because the offerings were very expensive. The offerings were mutual funds with an insurance wrapper. We now have regular mutual funds.

Best.