Search found 11665 matches

by abuss368
Thu Nov 23, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 4
Views: 433

Re: International Bonds

One aspect that surprised me and really shows we live in a global world was when I read the annual report for Total Bond was the international companies who issue bonds in the U.S. Likewise the Total International Bond fund contains U.S. companies who issue bonds overseas. These funds are not in iso...
by abuss368
Thu Nov 23, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 14
Views: 1855

Re: The Wolf of Wall Street

nisiprius stated, concerning the film The Wolf of Wall Street , To enjoy it requires a certain adolescent attitude, It also requires a stomach for a certain word referring to carnal knowledge. Someone from Variety Magazine went ahead, saved us all the trouble of doing so, and counted the F-bombs in...
by abuss368
Thu Nov 23, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11187

Re: VG wants everyone to transfer to a brokerage account?

I haven't upgraded and won't until forced. *We only use mutual funds *Have multiple auto-exchanges set up between MM fund and other funds, which isn't possible in brokerage *Have dividends from one fund directed to another fund, which isn't possible in brokerage Upgrading to a brokerage would derai...
by abuss368
Thu Nov 23, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36195

Re: Did you tell anyone you paid off your mortgage?

Times have changed and I am not so sure for the better. Paying of your mortgage and owning a home debt free is a huge and significant financial milestone. Is it? It might be a significant emotional milestone for some people, but with current interest rates it's not much of a financial one. I guess ...
by abuss368
Thu Nov 23, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 903895

Re: What Movie Have You Recently Watched?

I am also watching "The West Wing" on Netflix as I have never seen it.
by abuss368
Thu Nov 23, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 159
Views: 26488

Re: Bonds - Throw it all on the table!!!

This has been a great thread and tons of great information and thoughts. Is it perhaps time for some updated thoughts and comments?
by abuss368
Thu Nov 23, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 4
Views: 433

International Bonds

Bogleheads - I have been thinking about international bonds and specifically a couple of items that we investors may not have the answers to at this point: 1) How would these bonds perform during market stress? The next crisis? Domestic bond funds for the most part perform well and provided safety a...
by abuss368
Thu Nov 23, 2017 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 1802

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Everytime I read that story I enjoy it.

Happy Thanksgiving.
by abuss368
Thu Nov 23, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 16
Views: 1326

Re: Bonds v. Mortgage Payoff

There is an intangible for being debt free and owning your home.
by abuss368
Thu Nov 23, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36195

Re: Did you tell anyone you paid off your mortgage?

A mortgage burning party was a regular event in my neighborhood growing up. The adults celebrated it like it was a holiday. Nowadays you wouldn't mention it to anyone other than a few close family members or friends. Unfortunately an event that was celebrated and everyone felt great for that famili...
by abuss368
Thu Nov 23, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 22
Views: 1557

Re: Investment Portfolio Tracking & Spreadsheets

Thank you for the feedback. I have really streamlined our Excel workbook even more.
by abuss368
Thu Nov 23, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: College 529 Analysis
Replies: 17
Views: 1346

Re: College 529 Analysis

Thank you for the feedback and thoughts. I deleted and removed the College portfolio analysis from my simple Excel workbook. I have not missed it thus far. There were a couple of posts above that made me look at it differently. Specifically, I am contributing x dollars. If it declines or some else e...
by abuss368
Thu Nov 23, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 44
Views: 3124

Re: Tax Returns - How Long Do you Keep?

This has been a very good and informative thread with lots of good information.
by abuss368
Thu Nov 23, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 14
Views: 1855

The Wolf of Wall Street

Bogleheads -

There are two books available:

1) The Wolf of Wall Street

2) Catching the Wolf of Wall Street

Has anyone read these books? Were they entertaining and what would be your overall feedback?
by abuss368
Thu Nov 23, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 93
Views: 12573

Re: Jim Cramer doesn’t beat the market

The only book I found interesting was his first "Confessions of a Street Addict". The lifestyle and pressures were crazy.
by abuss368
Thu Nov 23, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 93
Views: 12573

Re: Jim Cramer doesn’t beat the market

dbr wrote:
Thu Nov 23, 2017 9:25 am
What do you mean? Cramer is a big winner in his market, which is public entertainment.
Well Said.
:sharebeer
by abuss368
Thu Nov 23, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Transferring to Vanguard
Replies: 6
Views: 643

Re: Transferring to Vanguard

After much deliberation I decided to transfer my Scottrade accounts to Vanguard. I politely called my Scottrade rep and let him know this was coming, I cited the transition to TDA, the loss of free transactions VG funds and dropping the flexible reinvestment program as my reasons for leaving. I hav...
by abuss368
Thu Nov 23, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 37
Views: 2435

Re: TaxAct and alternatives

If one also uses Quicken, I believe you can export the activity to Turbo Tax.
by abuss368
Thu Nov 23, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 37
Views: 2435

Re: TaxAct and alternatives

Many years ago we used Turbo Tax and I liked the program. I thought it was user friendly.
by abuss368
Thu Nov 23, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 151
Views: 11847

Re: Is holding bonds now dangerous?

Bonds provide both safety and income to an investment portfolio. Bonds belong in most investment portfolios. I believe Benjamin Grahman said every investor should have at least 25% allocated to bonds.
by abuss368
Thu Nov 23, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: portfolio check
Replies: 7
Views: 602

Re: portfolio check

The investment portfolio includes a lot of funds and moving parts. I would consider fund consolidation or perhaps all in one funds. The Three Fund Portfolio or Vanguard Four Fund Portfolio is an excellent choice.
by abuss368
Thu Nov 23, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 36
Views: 2413

Re: Slice and Dice

One should structure an investment portfolio that is low cost and diversified and importantly allows them to sleep at night.
by abuss368
Thu Nov 23, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 36
Views: 2413

Re: Slice and Dice

i have seen members list there portfolios some of there are significantly sliced and diced with 7 8 9 different funds ie small cap value small cap blend etc..my question is how much can that really add to a portfolio over what a 3 fund portfolio. I ask because at some point its just not worth manag...
by abuss368
Thu Nov 23, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 25
Views: 2988

Re: personal capital

I have never used their software but I have read that Quicken appears to offer more value.
by abuss368
Thu Nov 23, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 151
Views: 11847

Re: Is holding bonds now dangerous?

We have been listening to the investment porn over the years stating the bonds would burn an investor. I am still waiting. I recently read a Vanguard interview where they discussed this in terms of the opportunity cost to investors who followed this advice over the past 5 - 7 years. I will stay the ...
by abuss368
Thu Nov 23, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 19
Views: 744

Re: Slanting International geographically or regionally

Thinking of slanting my International holdings geographically or regionally. I am sure many BH slant their International toward or away from Emerging Markets but do any BH slant them geographically or regionally? I am considering doing this to reduce my exposure to Europe and was wondering if any o...
by abuss368
Thu Nov 23, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 16
Views: 1326

Re: Bonds v. Mortgage Payoff

Does having a paid off mortgage provide an equivalent stability during market volatility? Especially considering the Ops fixed income near covers expenses? Hi Olemiss540 - We are on the same page. I agree that the cash flows from the bond fund are important. This will be our retirement strategy. Be...
by abuss368
Thu Nov 23, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 903895

Re: What Movie Have You Recently Watched?

I can't help myself! I am watching "The Wolf of Wall Street"! That movie rocks.

We need more Wall Street movies.
by abuss368
Thu Nov 23, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 93
Views: 12573

Re: Jim Cramer doesn’t beat the market

In addition, I confess that many years ago before becoming a Boglehead, I read a few of Jim Cramer's books. At the time, they had a place on my book shelf. It was "investment porn" in many respects.

I stay with our low cost index fund portfolio and The Wall Street Journal.
by abuss368
Thu Nov 23, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 93
Views: 12573

Re: Jim Cramer doesn’t beat the market

In turning on CNBC the other day, I was surprised to know that Jim Cramers television show Mad Money was still on the air as it has been many years. I turned it off as I learned many years ago there is no investment value.

Wasn't he recommending Chipolte at $450?
by abuss368
Thu Nov 23, 2017 8:56 am
Forum: Local Chapters and Bogleheads Community
Topic: May You Always Do For Others And Let Others Do for You - Happy Thanksgiving dear Bogleheads
Replies: 15
Views: 927

Re: Happy Thanksgiving!

I am thankful for family, friends, our great country, and each day!

Happy Thanksgiving!
by abuss368
Thu Nov 23, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 16
Views: 1326

Re: Bonds v. Mortgage Payoff

I wondered if you might be able to shed some light on where I am off track. I am about five years to retirement with a decent pension that will cover the bulk of my living expenses. With a fixed rate 3.75% mortgage of about $300K and 28 years remaining, I am trying to determine whether it makes sen...
by abuss368
Thu Nov 23, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 16
Views: 1326

Re: Bonds v. Mortgage Payoff

Never understood why anyone would borrow at 3.75% and simultaneously lend some stranger at 1.x% (bonds). I assume you have sorted out all your taxation side. Your paid off home is a solid investment. With reasonable luck it'll keep up with inflation plus a bit. With a HELOC it is also ready cash. I...
by abuss368
Thu Nov 23, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 53
Views: 3792

Re: Replace TVs with Smart Tvs or not?

Looking for some advice. We have 2 large Plasma Tvs that work just fine, but they are not smart TVs. Right now we have dish/dvr to watch TV (plan to get rid of that as well perhaps). We are just casual TV watchers (Less than 2 hours daily except for 1 weekly shows that gets recorded). Netflix is th...
by abuss368
Wed Nov 22, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington
Replies: 9
Views: 777

Re: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington

Rick Ferri used to recommend an equal location strategy rather than asset location. Essentially the same funds in all accounts.
by abuss368
Wed Nov 22, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting 4 stocks
Replies: 15
Views: 1110

Re: Inheriting 4 stocks

Specifically you want to read Section 1014 of the Internal Revenue Code. This will discuss step up in basis.
by abuss368
Wed Nov 22, 2017 8:52 am
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 1802

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Wonderful story and thank you for sharing.

Happy Thanksgiving!
by abuss368
Wed Nov 22, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 58
Views: 3200

Re: Best Basic DESKTOP?

My retired parents purchase their first Apple computer a couple of years ago - the 21inch desktop. They feel as if it is the best computer they have ever owned and worth the cost.
by abuss368
Sun Nov 19, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 12674

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Taylor Larimore wrote:
Sun Nov 19, 2017 9:11 pm
Bogleheads:

Wiley has posted a brief description of our third Bogleheads' book.

http://www.wiley.com/WileyCDA/WileyTitl ... 87331.html

Best wishes.
Taylor
Great news Taylor and thank you for your contributions!
by abuss368
Sun Nov 19, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 44
Views: 3124

Re: Tax Returns - How Long Do you Keep?

quantAndHold wrote:
Sun Nov 19, 2017 3:15 pm
I keep them all indefinitely. Not because I think I'm going to need them, but because the one time I tried to do a purge, the very old ones were so entertaining to read that I couldn't let go.
Ha!
by abuss368
Sun Nov 19, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 19
Views: 1135

Re: Book for new college graduate

I have a few books that in my opinion would serve a college graduate or anyone well: 1) Jack Bogle - The Little Book of Common Sense Investing 2) Jack Brennan - Straight Talk on Investing 3) The Bogleheads Guide to Investing 4) The Bogleheads Guide to Retirement * Any other books authored by Jack B...
by abuss368
Sun Nov 19, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 22
Views: 1557

Re: Investment Portfolio Tracking & Spreadsheets

Importantly any spreadsheet can be tailored to our individual needs and circumstances.
by abuss368
Sun Nov 19, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Question about Vanguard Total Bond Market ETF (BND)
Replies: 9
Views: 1177

Re: Question about Vanguard Total Bond Market ETF (BND)

With bonds, higher yield almost always means higher risk. Anything past a Treasury bond involves higher risk. Total Bond fund follows an index that includes predetermined allocations to specific bond categories based on weight. Total Bond Index actually increased during the financial crisis because...
by abuss368
Sun Nov 19, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 22
Views: 1557

Re: Investment Portfolio Tracking & Spreadsheets

In reviewing the excellent responses it appears that a few involve very complex and detailed spreadsheets.
by abuss368
Sun Nov 19, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4893

Re: Jack Bogle, the word's richest man

Now that Vanguard's assets under management close in on $5 trillion (see the Wall Street Journal article 'No sleeping giant, Vanguard grows'), perhaps it is time to honor Mr Bogle's decision to set up the Vanguard Group as a mutual company owned by the investors and dedicated to a passive, low-cost...
by abuss368
Sun Nov 19, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Question about Vanguard Total Bond Market ETF (BND)
Replies: 9
Views: 1177

Re: Question about Vanguard Total Bond Market ETF (BND)

With bonds, higher yield almost always means higher risk. Anything past a Treasury bond involves higher risk. Total Bond fund follows an index that includes predetermined allocations to specific bond categories based on weight. Total Bond Index actually increased during the financial crisis because ...
by abuss368
Sun Nov 19, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 19
Views: 1135

Re: Book for new college graduate

I am looking for a book to recommend to a recent college graduate. I've already given him "If You Can" pamphlet. He really liked it -- he is fired about about saving and investing. I think he will got with Vanguard Target Date funds in his IRAs. He is lucky as those are also in his company's 401k p...
by abuss368
Sun Nov 19, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 44
Views: 3124

Re: Tax Returns - How Long Do you Keep?

We have the past 10 years of tax returns. Anything before that has been shredded and discarded. We have never had a request for any information that old and many tax return items are matched with the IRS form the provider.
by abuss368
Sun Nov 19, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 44
Views: 3124

Re: Tax Returns - How Long Do you Keep?

One aspect that I wish Vanguard would improve is to hold all tax documents for longer than they were. I am of course referring to both taxable accounts as well as IRAs. The ability to obtain from there online storage would be nice. Many years ago, they only retained the prior year information. I did...