Search found 12095 matches

by abuss368
Sun Feb 18, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 140
Views: 7401

Re: What has been your most important skill in achieving financial independence?

Jon H wrote:
Sun Feb 18, 2018 5:41 pm
Health. Take care of yourself the best you can. Plan and invest in your body and mind.

All this financial investment stuff is of lower value if you’re dealing with poor health.
This is very true indeed. The older I get the more I appreciate this.
by abuss368
Sun Feb 18, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 140
Views: 7401

Re: What has been your most important skill in achieving financial independence?

I agree that luck plays an important role. I strongly disagree with the percentages you allocate to luck and skill. I was born in the USSR where I faced discrimination in education and career. I came to the U.S.A. as a single parent of a new-born girl. I credit my ability to define professional goa...
by abuss368
Sun Feb 18, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 140
Views: 7401

Re: What has been your most important skill in achieving financial independence?

VictoriaF wrote:
Sat Feb 17, 2018 6:01 pm
For these reasons, I do my taxes in Excel instead of using TurboTax or alike.

Victoria
Hi Victoria -

How do you prepare your income tax return in Excel? Are you preparing the actual tax return or creating supporting schedules in Excel in order to prepare the tax return?

Best.
by abuss368
Sun Feb 18, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 140
Views: 7401

Re: What has been your most important skill in achieving financial independence?

I second Christine's recommendation of Excel. And I consider it far more useful than complicated software. Sophisticated software is usually a black box. It tells you what to input and then it outputs the results. But it's difficult to understand its logic and do what-if scenarios. With Excel, you ...
by abuss368
Sun Feb 18, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 22
Views: 2603

Re: Chillin' in the BH Lounge

Bogleheads -

An incredible post and I am unsure what to say. Incredibly talented and creative folks are part of this group.

Best.
by abuss368
Sun Feb 18, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: One of the Best Business Books I Ever Read
Replies: 4
Views: 1324

Re: One of the Best Business Books I Ever Read

I sold a small trash hauling business to mr H's company in 1997 . This was the same year his Marlins won the World Series , so it was pretty heady stuff . I never met Wayne personally but he was consolidating trash businesses ahead of his starting AuotNation . I , too, enjoyed his book. Hi Bulldawg...
by abuss368
Sat Feb 17, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: One of the Best Business Books I Ever Read
Replies: 4
Views: 1324

One of the Best Business Books I Ever Read

Bogleheads - From a general business and life perspective and not involving investing, index funds, and our Boglehead way of life, one of the best business books I ever read: "The Making of a Blockbuster. How Wayne Huizenga Build a Sports and Entertainment Empire from Trash, Grit, and Videotape". In...
by abuss368
Fri Feb 16, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3787

Re: Warren Buffett Books

I have read The Snowball more than 10 times 8-) and Lowenstein's Buffett probably more than 7 times. That is absolutely incredible!!! You read The Snowball 10 times? Even Lowenstein's more than 7 times? The Snowball is one of my favorite books in the world. I rarely re-read books (let alone that ma...
by abuss368
Thu Feb 15, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 11
Views: 1177

Re: Vanguard Golf Balls

Vanguard golf balls are available. I called and talked with Connie earlier today.
by abuss368
Tue Feb 13, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 20946

Re: Where to buy a Vanguard hat? An Update and good news

The first rule is don't tell people about your investments. The second rule is don't tell people about your investments. Maybe I'm paranoid and overly cautious, but anything with even the name of one of my financial institutions gets shredded. Sure, if a someone I trust asks for advice or recommend...
by abuss368
Tue Feb 13, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2065
Views: 1257692

Re: The Three-Fund Portfolio Book Cover

Taylor Larimore wrote:
Tue Feb 13, 2018 10:12 pm
Image

Best wishes.

Taylor
That is incredible! I can not wait to read this book!
by abuss368
Tue Feb 13, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 20946

Re: Where to buy a Vanguard hat? An Update and good news

I sent Connie a message inquiring if golf balls are available. I will provide an update when I hear back form her.
by abuss368
Tue Feb 13, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 11
Views: 1177

Vanguard Golf Balls

Bogleheads -

Does anyone know where to buy them? The online store did not have them listed.
by abuss368
Mon Feb 12, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 20946

Re: Where to buy a Vanguard hat? An Update and good news

Bogleheads -

Would anyone know of where to buy a Vanguard golf ball? I have searched eBay but did not see any.

Thanks!
by abuss368
Mon Feb 12, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3787

Re: Warren Buffett Books

Caduceus wrote:
Mon Feb 12, 2018 4:41 pm
I have read The Snowball more than 10 times 8-) and Lowenstein's Buffett probably more than 7 times.
That is absolutely incredible!!! You read The Snowball 10 times? Even Lowenstein's more than 7 times?
by abuss368
Mon Feb 12, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961974

Re: What Movie Have You Recently Watched?

House of Cards - Season 5 on Netflix.
by abuss368
Mon Feb 12, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Barron's Magazine
Replies: 15
Views: 1485

Re: Barron's Magazine

It appears to be active investing strategies?
by abuss368
Sun Feb 11, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2206

Re: Credit Card Statement & Receipt Clearing - Help!

Our shredder is easier to reach than the trash can, plus it can shred card stock with ease. So practically everything gets shredded. We don't have to even empty the shredder. We only print out credit card receipts if something is needed for a tax return and then it gets put with the tax return. Oth...
by abuss368
Sun Feb 11, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro - Recovered Files
Replies: 1
Views: 261

MacBook Pro - Recovered Files

Bogleheads - In using an Apple MacBook Pro with Microsoft Office installed it appears that every so often I have "Recovered Files" sitting in the trash. Many years ago I researched this online and had to uncheck a setting which appeared to correct it. Now it is back. Any ideas on what causes this an...
by abuss368
Sun Feb 11, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2206

Re: Credit Card Statement & Receipt Clearing - Help!

1) overkill in my opinion. With all the time you have been doing this have you ever found and error? Hi DraftInvestor - That is just it. While one could always say never say never, we have never experienced an error with 20 years of receipt matching! OF our the financial world is much more electron...
by abuss368
Sun Feb 11, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2206

Re: Credit Card Statement & Receipt Clearing - Help!

I agree the shredding of receipts is not needed even though we have been doing it. I will need to discuss. That in itself saves time and the shredder!
by abuss368
Sun Feb 11, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5195

Re: Are REITs essentially taboo for years now with rising rates?

If I were inclined to own a real estate fund again, now would be the time I’d consider getting back in. REITs have a history of reacting badly to anticipated rate increases, but holding up reasonably well when they’re actually rising. As it is, I sold our 5% stake in Vanguard REIT Index Admiral in ...
by abuss368
Sun Feb 11, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 35
Views: 3787

Re: Warren Buffett Books

On second thought, I may have to donate The Snowball to our local library. The sheer size and very small print is overwhelming! I did enjoy The Making of an American Capitalist. What else could reading The Snowball provide?
by abuss368
Sun Feb 11, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: Barron's Magazine
Replies: 15
Views: 1485

Barron's Magazine

Bogleheads -

I have never read this magazine so I am unsure of the value or interesting articles it may or may not provide. My question is does anyone read or subscribe and do they enjoy the publication? I do understand it is owned by Dow Jones the publisher of The Wall Street Journal.
by abuss368
Sun Feb 11, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book?
Replies: 1
Views: 582

New Jack Bogle Book?

Bogleheads - I am reading a recent article from Philadelphia Magazine where Mr. Bogle's notes all the books he has written to date and that his 12th is on the way regarding his history with Vanguard! No other details were mentioned so I am very curious and excited. Here is the link: http://www.phill...
by abuss368
Sun Feb 11, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 10011

Re: REIT or No REIT

JohnDindex wrote:
Fri Feb 09, 2018 7:23 am
I've always felt that the "asset location" theme with reits was overblown, it typically would take many decades to erode the basis and make the return of capital portion taxable. Not to mention, you can't look at things in isolation, everyone has a different tax situation.
Agree and well said.
by abuss368
Sun Feb 11, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2206

Credit Card Statement & Receipt Clearing - Help!

Bogleheads - In an effort to always simplify life and our financial lives specifically I have a question about the monthly credit card statement and our form of processing. Specifically we retain all receipts in paper & electronic (if so purchased online). When the monthly statement arrives, we "cle...
by abuss368
Sun Feb 11, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5195

Re: Are REITs essentially taboo for years now with rising rates?

We are staying the course with both the Vanguard U.S. REIT Index fund and also the Vanguard International REIT/RE Index fund. We have invested in REITs for a lot time and are pleased with the results.

There ia a lot of informative and educational information at www.reit.com if you are interested.
by abuss368
Sun Feb 11, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961974

Re: What Movie Have You Recently Watched?

"Wizard of Lies" about Bernie Madoff. Robert De Niro plays this role really well.
by abuss368
Sun Feb 11, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 20946

Re: My Vanguard Coffee Mug

Taylor Larimore wrote:
Sun Feb 11, 2018 11:48 am
Bogleheads:

I have been drinking my morning coffee from a Vanguard mug for at least 10 years.

Coffee does not taste the same without it!

Best wishes.
Taylor
:sharebeer
by abuss368
Fri Feb 09, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 10011

Re: REIT or No REIT

I have had a REIT tilt for 2 years, since becoming a Boglehead. It was my "curiosity" money as I wanted to see how it behaved relative to TSM as a whole and whether it provided a diversification benefit. I will be ending the tilt and adding more bonds in March. This is not due to performance or tim...
by abuss368
Wed Feb 07, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961974

Re: What Movie Have You Recently Watched?

Watching "Waco" the series.
by abuss368
Wed Feb 07, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15899

Re: Blood in the water- buying?

I did not buy specifically yesterday. I plan to this week and will buy what is underweight in our asset allocation. Me too. As of today, that would be REIT. I'm still overweight on U.S. and international stocks, so they'd have to drop a lot more before I start buying them. Hi telemark - Indeed. I e...
by abuss368
Wed Feb 07, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261717

Re: U.S. stocks in freefall

Many years ago in a prior lifetime which was filled with evil stock picking I used to panic and also mistakingly believe I was smarter than the markets. As such, when volatility hit, I traded even more often. The result was a large increase in fees, additional tax reporting and complexity, additiona...
by abuss368
Wed Feb 07, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961974

Re: What Movie Have You Recently Watched?

MrNewEngland wrote:
Wed Feb 07, 2018 11:04 am
abuss368 wrote:
Tue Feb 06, 2018 7:53 pm
"The Saint" on Netflix.
I couldn't get through that... it was honestly probably one of the 10 worst films I've ever seen.
I still could not tell if it was serious or a comedy.
by abuss368
Tue Feb 06, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2065
Views: 1257692

Re: The Three-Fund Portfolio

Looking at the book on Amazon, it appears the available date moved from April to June. Is the publisher behind? A Wiley executive took a personal interest in the book and has made several improvements which I greatly appreciate--but it has delayed publication as you noted. Best wishes. Taylor Thank...
by abuss368
Tue Feb 06, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893429

Re: What Book Are You Currently Reading? Part VI

Has anyone read any Warren Buffett books. I have been searching this thread but it is quite long. Have you used the search function [Search this topic]? Searching just this thread on the name Buffett yields several mentions but only one post about a book of his works "The Essays of Warren Buffett" ...
by abuss368
Tue Feb 06, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 56
Views: 13012

Re: Investment books I have read.

I have all Jack Bogle, Vanguard related/about, Jack Brennan, and Bogleheads books in hard cover and perfect condition on my shelf. I refer to them often.

I also have David Swensen's book.

Thank you Jack Bogle!
by abuss368
Tue Feb 06, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 3898

Re: Why I have no international stocks.

Taylor currently has no international stocks in his portfolio. Bogleheads: The reason I have no international stocks is because my former Total International Fund had fewer capital-gains when I withdrew from my taxable account for my retirement expenses. It was a question of which is worse: Elimina...
by abuss368
Tue Feb 06, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 3898

Re: "A Target-Date Fund Series Wins Gold"

Thank you for sharing. I have a Target fund from Vanguard in my employer plan. It does the job.
by abuss368
Tue Feb 06, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893429

Re: What Book Are You Currently Reading? Part VI

Has anyone read any Warren Buffett books. I have been searching this thread but it is quite long.
by abuss368
Tue Feb 06, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30319

Re: Anyone tired of the stock market going up?

Now it has started coming down!
by abuss368
Tue Feb 06, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31533

Re: What's your U.S. : International ratio?

I have been curious for a while if Vanguard investment experts will eventually adjust the LifeStrategy and Target funds to a U.S. 50% and International 50% equity allocation.
by abuss368
Tue Feb 06, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 162
Views: 16618

Re: Bitcoin in Freefall

Tycoon wrote:
Tue Feb 06, 2018 8:51 pm
abuss368 wrote:
Tue Feb 06, 2018 8:03 pm
This is incredible. In my opinion this is speculation and not investing.
I agree. It's just bizarre.
Indeed. I actually watched a program on Netflix about Bitcoin, and while I learned a few points, I still do not have a complete understanding.
by abuss368
Tue Feb 06, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261717

Re: U.S. stocks in freefall

Stay the course! I purchased as planned today.
by abuss368
Tue Feb 06, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2700

Re: Being a Disciplined Investor - How do you avoid temptations?

I chased alpha for decades: Hedge funds, Managed futures, private real estate partnerships, managed funds. The light bulb went off after reading several books and reading here on BH. I put everything in 4 fund portfolio in 2013. No desire to make any changes. Dave Simplicity is the master key to fi...
by abuss368
Tue Feb 06, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31533

Re: What's your U.S. : International ratio?

U.S. - 60%
International - 40%

Vanguard's present recommendation.
by abuss368
Tue Feb 06, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 3968

Re: Retired or close to it -- what do you hold in bond portion?

I have family that is retired.

Bonds are simple: Taxable is Vanguard Intermediate Term Tax Exempt. Tax Advantaged is Total Bond Index.

It works.
by abuss368
Tue Feb 06, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2065
Views: 1257692

Re: International Allocation

Mr. Bogle has written a lengthy Introduction to my new book, "The Bogleheads' Guide to The Three-Fund Portfolio." We discussed my "20% International" recommendation in the book. He told me almost exactly what you said, "I do not recommend international equities, but that up to 20% is acceptable." B...