Search found 13455 matches

by abuss368
Tue Apr 23, 2019 6:00 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 25
Views: 1979

Re: Mr. Bogle answered the telephone

Bogleheads: Many years ago I called my Vanguard representative and said, "I have a question about my index funds." There was a long pause and the rep. replied, "we have an expert who will help you." After another pause a voice came on the phone, "How can I help you?" I immediately recognized the vo...
by abuss368
Mon Apr 22, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Most Insightful Charts
Replies: 30
Views: 2324

Re: The Callan Periodic Table of Investment Returns

Tycoon: This is one of my favorites because it clearly demonstrates: * Diversification: by owning the entire market (all of the asset classes), susceptibility to changes in market returns is minimized. * Past performance does not predict future performance. THE CALLAN PERIODIC TABLE OF INVESTMENT R...
by abuss368
Sun Apr 21, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow vs Appreciation - Same thing?
Replies: 23
Views: 993

Re: Cash Flow vs Appreciation - Same thing?

Jack Bogle has called “income risk” the risk of a retiree not having the cash flows to live and pay the bills. He said a retiree should be able to go to their mailbox and cash those dividend checks.

I always thought that made a lot of sense and was very sound advice.
by abuss368
Sun Apr 21, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 4309

Re: Is Crown Molding Out-of-Style?

Thinking it may be. We purchased our home almost three years ago. Prior to buying we walked through a lot of homes over a three year period. Not many of the homes we walked through had crown molding.
by abuss368
Sun Apr 21, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Trusting the Process
Replies: 3
Views: 844

Re: Jack Bogle and Trusting the Process

Thank you Mr. Bogle!
by abuss368
Sun Apr 21, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow vs Appreciation - Same thing?
Replies: 23
Views: 993

Re: Cash Flow vs Appreciation - Same thing?

May I ask which index funds you are investing in that would produce those kinds of dividends? Our goal has been to build a growing cash flow stream from dividends for retirement. We invest in index funds only. Which hopefully combined with pension and social security will provide enough cash flows ...
by abuss368
Sun Apr 21, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow vs Appreciation - Same thing?
Replies: 23
Views: 993

Re: Cash Flow vs Appreciation - Same thing?

May I ask which index funds you are investing in that would produce those kinds of dividends? Our goal has been to build a growing cash flow stream from dividends for retirement. We invest in index funds only. We use total market index funds (in signature line). We have added both U.S. and Internat...
by abuss368
Sun Apr 21, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow vs Appreciation - Same thing?
Replies: 23
Views: 993

Re: Cash Flow vs Appreciation - Same thing?

Our goal has been to build a growing cash flow stream from dividends for retirement. We invest in index funds only.
by abuss368
Sun Apr 21, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: stocks as inflation hedge - 70's and early 80's??
Replies: 7
Views: 624

Re: stocks as inflation hedge - 70's and early 80's??

Over the long term stocks should out pace inflation. REITs should outpace inflation as well.
by abuss368
Sun Apr 21, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 43
Views: 4621

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

What about pouring bleach or CRL and letting it sit for an extended period of time? This may solve the issue?

I have added bleach and let it sit for hours. This really seems to keep things very clean. We have public water and sewer (no septic).
by abuss368
Sun Apr 21, 2019 12:26 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1479

Re: Tapping into Roth to buy a house

What about a 30 year mortgage for cash flow purposes? Would that allow you take not remove funds from your Roth IRA or a substantially less amount?
by abuss368
Sun Apr 21, 2019 12:24 pm
Forum: Personal Investments
Topic: Tapping into Roth to buy a house
Replies: 21
Views: 1479

Re: Tapping into Roth to buy a house

You have to consider the opportunity cost of not being invested for your future and retirement. All IRA space is limited each year. Once lost or given up it can not be reclaimed.
by abuss368
Sun Apr 21, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 1936

Re: First Time Home Buyer Tips

A really good agent can provide a lot of value during the home buying process.
by abuss368
Sun Apr 21, 2019 12:21 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 425

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

To follow up Vanguard investment experts recommend a two fund investment strategy: Total Bond Index and Total International Bond Index.
by abuss368
Sun Apr 21, 2019 12:19 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 425

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

Hi everyone, I am moving a retirement plan from a company plan to my Vanguard account. One of the main holdings in my company plan is BCOIX which I've been happy with taking up shelf space in my bond portion of my AA. I'm reviewing the VG options and am not finding a product that reasonably matches...
by abuss368
Sun Apr 21, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4397
Views: 1145803

Re: What Movie Have You Recently Watched?

“Tomorrow Never Dies”. Never saw this James Bond film. Enjoyed it.
by abuss368
Sun Apr 21, 2019 8:01 am
Forum: Personal Investments
Topic: Rebalancing - Asset Allocation Strategies?
Replies: 9
Views: 1026

Re: Rebalancing - Asset Allocation Strategies?

Over the last 20 years, we have contributed to our IRAs & SEP at Vanguard, 99% stock mutual funds. Now at age 70.5 & about to begin RMDs, we find that our risk tolerance has decreased & want to move from 99% to 50% stock mutual funds. Is there a certain strategy for doing this? Lump sum all at once...
by abuss368
Sun Apr 21, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13139

Re: Why diversification is not a viable strategy?

Bogleheads -

Diversification has often been called the only free lunch in investing.

Best.
by abuss368
Sun Apr 21, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4397
Views: 1145803

Re: What Movie Have You Recently Watched?

“Mars” series on Netflix. Would go from present day to future. Included interviews with Elon Musk. Enjoyed it.
by abuss368
Sat Apr 20, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5136

Re: Vanguard kicking butt with Target Date Funds

I have used a Vanguard Target Date fund with Vanguard in both a former employer's retirement plan and the 529 plans. Very easy to understand and a great way to set and forget. The rebalancing is a nice feature.
by abuss368
Sat Apr 20, 2019 2:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5136

Re: Vanguard kicking butt with Target Date Funds

"Don't peek" is advice I wish I could follow but I have to peek every time I add money to my taxable account so I know which investment is underweight so I can rebalance with contributions. That means I peek every month! The only way to not peek is to use a target date fund and set up automatic con...
by abuss368
Sat Apr 20, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 36
Views: 2988

Re: Buying a house without a realtor

I have never tried it but when selling our last property, we had a realtor that was excellent. He has quite a reputation and has built an extensive real estate company with both services and investments in properties.

In my opinion, with a good realtor, there is value provided.
by abuss368
Sat Apr 20, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4066

Re: American Funds vs Vanguard

I remember reading somewhere that Dan Solin said that his hand was forced and he HAD to invest with an active mutual fund company that he would go with American Funds. I recall him being somewhat complimentary of their management structure and investment guidelines. Does anyone know if American Fun...
by abuss368
Sat Apr 20, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2482
Views: 1554888

Re: Articles recommending The Three-Fund Portfolio

Bogleheads: I have updated articles recommending The Three-Fund Portfolio: "A Boglehead Explains the Simplest Way to Manage Your Money--MarketWatch "Three-Fund Portfolio" -- Boglehead wiki "The Arithmetic of Active Management" by William Sharpe, Nobel Laureate [/color] "The BigLaw Investor Portfoli...
by abuss368
Fri Apr 19, 2019 3:50 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 51
Views: 4576

Re: Junk bonds undervalued due to boglehead popularity?

Bogleheads -

Many years ago Rick Ferri recommended a fixed income allocation of:

60% Total Bond Index
20% Intermediate Term TIPS
20% High Yield Bonds

I am unsure if this has changed or been simplified since that time.
by abuss368
Fri Apr 19, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 3768

Re: Would you be willing to temporarily change your AA?

I don’t. Have been through bear markets and used to sell, thinking we had to do something! Only in hindsight did we realize that was foolish. The last financial crisis we stayed the course and that was very wise. Was it wise or just a bit lucky? What if stock prices around the globe went for a deca...
by abuss368
Thu Apr 18, 2019 9:53 pm
Forum: Personal Investments
Topic: Asset Allocation - 34 year old worth $1.2M
Replies: 21
Views: 3172

Re: Asset Allocation - 34 year old worth $1.2M

Debt free is a nice position to be in.
by abuss368
Thu Apr 18, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 3768

Re: Would you be willing to temporarily change your AA?

I don’t. Have been through bear markets and used to sell, thinking we had to do something! Only in hindsight did we realize that was foolish. The last financial crisis we stayed the course and that was very wise.

Thank you Mr. Bogle.
by abuss368
Thu Apr 18, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Form 5500 Required
Replies: 4
Views: 393

Re: Is Form 5500 Required

There are instructions to Form 5500 at www.irs.gov

This may be helpful.
by abuss368
Wed Apr 17, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 51
Views: 4576

Re: Junk bonds undervalued due to boglehead popularity?

Had a family member who took a risk and bought Vanguard High Yield during financial crisis at $3.50 ish or so and rode them all the way back up (while collecting an incredible dividend cash flow stream the whole time). Market timing and security selection. I stayed the course however.
by abuss368
Wed Apr 17, 2019 7:50 pm
Forum: Personal Investments
Topic: REIT's recent pullback
Replies: 14
Views: 1754

Re: REIT's recent pullback

All the press is on mall REITs! What about the bull side off REITs? Industrial and Data Centers have had a nice run.
by abuss368
Sat Apr 13, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: For those who were wondering what really happened...
Replies: 17
Views: 6562

Re: For those who were wondering what really happened...

Hi Rick -

Interesting story and I wish you and the new firm a lot of luck and success.

Best.
by abuss368
Thu Apr 11, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: April "Bogleheads on Investing" podcast with special guest Allan Roth!
Replies: 18
Views: 2456

Re: April "Bogleheads on Investing" podcast with special guest Allan Roth!

Thousands of people have downloaded Allan Roth's interview posted today. Here is a list of past Bogleheads on Investing podcast guests: Sep. 2018: John Bogle Oct. 2018: David Blitzer Nov. 2018: Jonathan Clements Dec. 2018: Cristine Benz Jan. 2019: Gus Sauter Feb. 2019: Dan Egan Mar. 2019: Mike Pipe...
by abuss368
Thu Apr 11, 2019 7:52 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 92
Views: 6300

Re: What Experts Say About Investing In Individual Stocks

Bob: I learned my lesson about investing in individual stocks many years ago. This is What Experts Say: Alpha Architect: "Between 1983 and 2006, around 73% of firms had a drawdown larger than 50% (the S&P 500’s maximum drawdown during this period was around 44%). Holding one individual stock can be...
by abuss368
Sat Apr 06, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benefits Of International Diversification
Replies: 86
Views: 6688

Re: Larry Swedroe: Benefits Of International Diversification

What are Larry's thoughts regarding international bonds as an asset class? You beat me to it. I'm also interested in the views of the "equity diversification über alles" crowd here. What do they think about global diversification in the corporate debt market? I don't think anyone's responded to you...
by abuss368
Fri Apr 05, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use QBI for my Rental Properties?
Replies: 20
Views: 1291

Re: Can I use QBI for my Rental Properties?

I have been reading this forum for few months; So Thank you for all of your contribution! My 1st Post with Question. I have full time job and have four rental properties as a side business that will net to me about 20k a year. I am in 30% bracket so QBI will save me about 1200. My tax accountant do...
by abuss368
Fri Apr 05, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Tax payment
Replies: 6
Views: 531

Re: Quarterly Tax payment

Gill wrote:
Fri Apr 05, 2019 8:13 pm
No one has answered your question. It’s a 1040-ES.
Gill
Correct.
by abuss368
Fri Apr 05, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 1582

Re: How reliable is H&R Block...?

Actually does amending taxes trigger being audited? No, but it extends the three years that the IRS can question the return (in the case of fraud, there's no time limit). Yes and no. The answer is it depends. I had a client who we amended his return because he forgot to provide a information pertai...
by abuss368
Fri Apr 05, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benefits Of International Diversification
Replies: 86
Views: 6688

Re: Larry Swedroe: Benefits Of International Diversification

What are Larry's thoughts regarding international bonds as an asset class?
by abuss368
Fri Apr 05, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use QBI for my Rental Properties?
Replies: 20
Views: 1291

Re: Can I use QBI for my Rental Properties?

I have been reading this forum for few months; So Thank you for all of your contribution! My 1st Post with Question. I have full time job and have four rental properties as a side business that will net to me about 20k a year. I am in 30% bracket so QBI will save me about 1200. My tax accountant do...
by abuss368
Fri Apr 05, 2019 7:43 pm
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 6
Views: 1426

Re: Warning level

I never heard of that.
by abuss368
Fri Apr 05, 2019 7:42 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 221
Views: 11212

Re: Vanguard’s subpar customer service strikes again

With the tax act of 2017 one can convert Traditional IRA to Roth IRA and pay any tax due. However, you can not reverse and recharacterize the converted amount back. I believe this was effective for the 2018 tax year.
by abuss368
Fri Apr 05, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Tax payment
Replies: 6
Views: 531

Re: Quarterly Tax payment

When you make a quarterly tax payment to the IRS which voucher form do you fill out and send with your check? Thanks Leroy Jones :sharebeer I created a simple account many years ago at www.eftps.gov No need to ever mail. The payment is made right away and it provides a nice schedule for support. I ...
by abuss368
Fri Apr 05, 2019 7:38 pm
Forum: Personal Investments
Topic: Portfolio Check Up - Almost 8 Years Later
Replies: 7
Views: 1625

Re: Portfolio Check Up - Almost 8 Years Later

Welcome back to the best forum on the internet. Congrats and you are on a much better journey.

Never stop learning about investing and personal finance.

Stay the course!
by abuss368
Fri Apr 05, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 1582

Re: How reliable is H&R Block...?

Actually does amending taxes trigger being audited? No, but it extends the three years that the IRS can question the return (in the case of fraud, there's no time limit). Yes and no. The answer is it depends. I had a client who we amended his return because he forgot to provide a information pertai...
by abuss368
Fri Apr 05, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 135
Views: 17280

Re: End of debit cards for me

========================== OLD THREAD I READ PAGE ONE ONLY (LOTS OF ANECDOTAL FILLER) =========================== :idea: If you have a debit card that you want to keep for ATM visits only but cannot get an ATM-only card issued, there is another option. You can have the bank set your purchase limit ...
by abuss368
Fri Apr 05, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 135
Views: 17280

Re: End of debit cards for me

When we opened our bank account I requested a simple ATM card and no need for a debit card as we purposely never use it. Everything is charged to the credit card. We were told there would be an additional fee and that the debit card was no fee but could still withdrawal cash from an ATM.
by abuss368
Fri Apr 05, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76504

Re: U.S. stocks continue to soar!

oldzey wrote:
Fri Apr 05, 2019 5:21 pm
U.S. stocks... I'll take 3,573 of them, please!

Soar high, U.S. stocks!

Image
:sharebeer
by abuss368
Fri Apr 05, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76504

Re: U.S. stocks continue to soar!

The market in on an incredible upswing again. I like to buy the dips. This slow steady rise is making me nervous. We need a 6% one day swing in the S&P. I miss 2018, sigh. :( Agree. For years when we traded individual stocks and there would be any pullback, we would trade even more. We had a lot of...
by abuss368
Fri Apr 05, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 532
Views: 58535

Re: Fidelity as a one stop shop

Many years ago we too had a one stop shop with eTrade. This was of course during our individual stock picking days and before returning to Vanguard. I will admit though it was very easy and nice to have everything consolidated under one roof. At that time our checking, savings, line of credit, and ...