Search found 12415 matches

by abuss368
Sun Jul 15, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley Wealth Management
Replies: 8
Views: 1027

Re: Morgan Stanley Wealth Management

Bogleheads: Several years ago I accompanied a wealthy investor who was invited to be a customer in Morgan Stanley Wealth Management Service. We enjoyed a nice lunch and persuasive marketing by two Bank officers. Fortunately my friend decided to use Vanguard's Personal Advisor Services which recomme...
by abuss368
Sun Jul 15, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Re: Financial Newspapers & Publications

I am curious with Barron's which I believe is owned by Dow Jones.
by abuss368
Thu Jul 05, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Fundrise vs. Vanguard REIT ETF
Replies: 10
Views: 1102

Re: Fundrise vs. Vanguard REIT ETF

This article was written by Fundrise!
by abuss368
Thu Jul 05, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Indiv. REITs in taxable because of new tax law? Aargh!
Replies: 15
Views: 2172

Re: Indiv. REITs in taxable because of new tax law? Aargh!

This was a helpful thread. In another thread I recently asked the same question (unaware of this thread at the time). I suspect it will be determined once final regulations are provided.
by abuss368
Wed Jul 04, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 7
Views: 1048

Re: REITs - 20% Qualified Income Deduction

I am not surprised by no responses thus far as I believe this may be unheard of with the tax act. Highly complex.
by abuss368
Wed Jul 04, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 7
Views: 1048

REITs - 20% Qualified Income Deduction

Bogleheads - As the IRS regs will be written for the new tax code I have read conflicting reports regarding the 20% income deduction related to REIT dividends. My questions: 1) Is this deduction available for REITs (in a taxable account of course)? 2) If the 20% deduction is available for REITs, is ...
by abuss368
Wed Jul 04, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4221

Re: Will I ever be able to itemize?

I don't understand how you may be "screwed". You simply take the $24,000 standard deduction. I have prepared thousands of tax returns over the years.
by abuss368
Wed Jul 04, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5915

Re: Any Boglehead powerlifters?

Powerlifted and bodybuilding for many years - 25 plus. I ended with a 450 bench press in competition. I used to "play and toy" with the squat and deadlift as it was hard for a 6' guy. My squat was 450 or so and 560 - 600 deadlifts. I could only imagine if I trained those over time like the bench. Be...
by abuss368
Wed Jul 04, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1621

Re: Evaluating New Job Offer

My concern is that 3 hours a day commuting will tire and you may not last long.
by abuss368
Wed Jul 04, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Simple target date question.
Replies: 25
Views: 1517

Re: Simple target date question.

As an alternative you could invest in a couple (or few) index funds and create the investment portfolio you want asset allocation wise and a lower cost.
by abuss368
Wed Jul 04, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2254

Re: bonds or bond funds?

As Taylor has so often said "stocks let us eat well and bonds let us sleep well.
by abuss368
Wed Jul 04, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2254

Re: bonds or bond funds?

I don't understand bond funds, so my 401k contributions go into a stock fund. I'm thinking about diversifying. I'd like to make sure that $$ going into bonds will make make gains. Since bond funds can lose money, I shy away from them. I'm not sure if I can buy bonds directly (with, say, 5k). I'm mo...
by abuss368
Wed Jul 04, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5386

Re: Rodents ate my car!

We experienced mice eating certain cables under the hood of a vehicle. It was winter and cold. Thus the mechanic stated this can occur when the rodents are looking for heat and warmth from the elements.
by abuss368
Wed Jul 04, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 42
Views: 4561

Re: Fidelity cash position

While I am not familiar with Fidelity's investment offerings, Vanguard's Prime Money Market Fund is yielding 2.04% presently.
by abuss368
Wed Jul 04, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 29927

Re: "The Wisdom of Elders: Bogleheads' Three Fund Portfolio"

Bogleheads: Steve Nelson, a CPA in the Seattle area, sent me this review of The Bogleheads' Guide to the Three-Fund Portfolio: The Wisdom of Elders: Bogleheads' Three Fund Portfolio Thank you, Steve! Best wishes. Taylor Hi Taylor - A very nice blog post on your new book "The Bogleheads Guide to the...
by abuss368
Wed Jul 04, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 29927

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

htdrag11 wrote:
Wed Jul 04, 2018 3:54 pm
The casino industry and Wall Street have one thing in common: the winners are the houses, not the customers if you "play their games" instead of using low cost indexing funds. There are very few winners.
Well said!
:sharebeer
by abuss368
Wed Jul 04, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: When is ok to change your IPS?
Replies: 21
Views: 1228

Re: When is ok to change your IPS?

Hi IowaFarmBoy - I have never prepared an Investment Policy Statement as I did not have a need. However, this document is very important for many investors. I would recommend simplicity as a core and guiding principle. Many investors would be well served by holding a few index funds and staying the ...
by abuss368
Wed Jul 04, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Re: Financial Newspapers & Publications

I read the WSJ to keep abreast of the general market in terms of deals happening in the near future which may interest me to investigate further. The FT I don't read just because it's basically redundant information but geared to europeans. Weeklies are much more opinionated and very hit and miss, ...
by abuss368
Sun Jul 01, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4581

Re: Why is warren buffet okay with no owning any bonds?

Grt2bOutdoors wrote:
Sun Jul 01, 2018 10:27 am
Did you know Berkshire Hathaway energy is the second largest provider of energy produced from wind and solar? It costs him 5.5 cents a kWh, he sells it for 8 cents a kwh- think about that level of cash flow.
I was not aware of that. Interesting and one can only imagine the cash flows!
by abuss368
Sat Jun 30, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4581

Re: Why is warren buffet okay with no owning any bonds?

Bonds are dangerous to who? Buffet never elaborates, nor does he discuss risk tolerance, nor does go into detail as to why they are dangerous. Buffet does not manage investments for individuals as does an Registered Investment Advisor or a Certified Financial Planner (RIA, CFP). Everyone has a diff...
by abuss368
Sat Jun 30, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8253

Re: Do you invest in Real Estate ? Why ?

I recall reading an interview where Jack Bogle mentioned that 99% of his wealth was invested in Vanguard funds and his son's active small cap fund. It is my understanding that Mr. Bogle has never invested directly in real estate.
by abuss368
Sat Jun 30, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 191
Views: 29927

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

Bogleheads -

I received a copy yesterday and can not wait to start reading. Thank you Taylor for your amazing contributions and sharing of wisdom over the years!

I am certainly a better investor for it and plan to share the knowledge I gained with others!

Best.
by abuss368
Sat Jun 30, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Re: Financial Newspapers & Publications

A lot of good information and thoughts.

Thanks again!
by abuss368
Sat Jun 30, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1181

Re: Vanguard's Investment Research

Read very little of it. If one catches my attention, I might browse it or read conclusions. This, and that doesn't happen much anymore. Very true and I am starting to feel the same way. One of the benefits of a low cost total market portfolio is the simplicity. One does not need to read research re...
by abuss368
Thu Jun 28, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1181

Re: Vanguard's Investment Research

sabtastic wrote:
Thu Jun 28, 2018 7:29 am
heartwood wrote:
Thu Jun 28, 2018 7:24 am
Would you suggest how to find the reports? I searched their site for research reports and found nothing.
Their website is hard to navigate. I have it bookmarked:

https://investor.vanguard.com/investing ... t-research
I agree as there is a lot on the website.
by abuss368
Thu Jun 28, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Re: Financial Newspapers & Publications

I have been reading The Wall Street Journal and REIT Magazine (which I am questioning the need).
by abuss368
Wed Jun 27, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1181

Re: Vanguard's Investment Research

I am specifically referring to the Investment Counseling White/Red Papers on the website.
by abuss368
Wed Jun 27, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1181

Vanguard's Investment Research

Bogleheads -

Vanguard publishes a lot of investment research such that it is hard to keep up with it all. Do you read all the research reports that they publish? In addition, do you save them electronically for future reference?
by abuss368
Wed Jun 27, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Re: Financial Newspapers & Publications

vanguard.com/research periodically has interesting white papers Hi Artsdoctor - Vanguard publishes a lot of investment research such that it is hard to keep up with it all. Do you read all the research reports that they publish? In addition, do you save them electronically for future reference?
by abuss368
Wed Jun 27, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2661

Financial Newspapers & Publications

Hi Bgoleheads - I am curious how many folks read or subscribe to various financial and investment newspapers and publications such as: The Wall Street Journal, Barron's, Businessweek, Forbes, and so forth. Where do you get your financial "porn" from? Digital or print? I ask this question from the co...
by abuss368
Wed Jun 27, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in 40's?
Replies: 4
Views: 547

Re: TIPS Fund in 40's?

In my opinion one investment grade bond fund that is short or intermediate term is all that is needed. We are dancing on the head of a pin.

Keep investing simple.
by abuss368
Wed Jun 27, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in 40's?
Replies: 4
Views: 547

Re: TIPS Fund in 40's?

TIPS were a lot more popular as a investment a decade ago. Very prevalent on this forum and I believe Vanguard had more TIPS in their funds at one point. That has essentially changed to a two fund bond allocation of Total Bond Index and Total International Bond Index. I believe Vanguard adds TIPS fo...
by abuss368
Wed Jun 27, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2361

Re: "Who's John Bogle?"

You should have offered to help her setup a Boglehead account or ordered Taylor's new Three Fund Portfolio book!
by abuss368
Wed Jun 27, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2361

Re: "Who's John Bogle?"

Just had a lovely woman knock on the door introducing herself as the local Edward Jones rep. Before she could get too deep into her pitch I told her I was a self managing Boglehead, to which she asked what that is. After explaining the concept of indexing and John Bogles philosophy, she asked who J...
by abuss368
Wed Jun 27, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7164

Re: Are we just way over complicating this?

The more posts I read, including my own, them more convinced I am that either we are inventing scenarios to worry about or just discussing things for sport. In fact, it seems to me the wisest person in the kingdom might be someone who just opens a Vanguard account with one fund the Balanced Index f...
by abuss368
Wed Jun 27, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2203
Views: 1369663

Re: The Three-Fund Portfolio

I'm writing this with tears in my eyes. My dear Boglehead husband passed away very unexpectedly on April 17 at age 63. When I took the trash out this afternoon, I saw a package on the ground from Amazon... addressed to my husband! Ok... something back ordered? My husband had ordered Taylor Larimore...
by abuss368
Wed Jun 27, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Blockchain virtual real estate
Replies: 10
Views: 1716

Re: Blockchain virtual real estate

That is amazing and I did not know this existed prior to reading the article. That is incredible and pure speculation.

Will investors ever learn?
by abuss368
Tue Jun 26, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14737

Re: How much (green) cash at home for emergency ?

Outside of a few bucks, if that, in our wallets, we never have cash at home. Never had a need.
by abuss368
Mon Jun 25, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2203
Views: 1369663

Re: The Three-Fund Portfolio

JonM wrote:
Mon Jun 25, 2018 3:24 am
Just got. Can't wait to read it :)
That is great! I am excited as well to read the book.
by abuss368
Mon Jun 25, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2203
Views: 1369663

Re: The Three-Fund Portfolio

I ordered the book and look forward to it. I wonder how tax-free bonds are treated/suggested. The Three Fund Portfolio, as often referred to here, seems to ignore large taxable portfolios. These, I think, would probably be better served by a tax-free muni bond fund rather than Vanguard Total Bond M...
by abuss368
Thu Jun 21, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8253

Re: Do you invest in Real Estate ? Why ?

No, I have no desire to be a landlord. If someone fell on hard times, I wouldn't have the heart to tell them to leave, therefore, i would make a terrible landlord and it will become a losing business proposition. I also am not handy and would have to rely on others to fix things that break. I would...
by abuss368
Tue Jun 19, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois Land Trust. DIY Options and Attorney Representation
Replies: 5
Views: 465

Re: Illinois Land Trust. DIY Options and Attorney Representation

I was just reading about Florida Land Trusts. One can obtain the a copy of the act online. There are firms available that will assist with establishing. It is really related to providing additional privacy.
by abuss368
Tue Jun 19, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4037

Re: iPad Pro 12.9": Replacement for Laptop?

I suspect with the use of iCloud, one really does not need a large harddrive any longer. Everything is in the cloud including documents, pictures, music, etc.
by abuss368
Tue Jun 19, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4037

Re: iPad Pro 12.9": Replacement for Laptop?

I've used Macs for 25+ years exclusively. I've used an ipad for 7 to 8 of those years for business; primarily word processing, spreadsheets, record-keeping, email and internet. I recently purchased a new MacBook Pro and have found it far more suitable for everything I like/need to do and have prett...
by abuss368
Tue Jun 19, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38509

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

I would not be surprised if in the future Vanguard investment experts recommend 50% domestic and 50% international with the Target and LifeStrategy funds.
by abuss368
Tue Jun 19, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38509

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

We are presently 60% domestic and 40% international for equities. Bonds are presently 100% domestic and on the fence about international bonds in the future.
by abuss368
Mon Jun 18, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares (VBIAX)
Replies: 22
Views: 2092

Re: Vanguard Balanced Index Fund Admiral Shares (VBIAX)

There's been a lot of discussion on Total Bond vs Int. Term Tax Exempt depending on tax bracket. There was a cutoff range where one became more feasible than the other. Can't remember what it was exactly. j Hi Sandtrap - I believe it was the 25% federal tax bracket (prior to President Trump's tax r...
by abuss368
Mon Jun 18, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2280

Re: Vanguard Brokerage Acct. WHY ?

I think people are seeing the writing on the wall now that the mutual fund platform is going away (some day). If there are certain features that you like I would make sure Vanguard knows about it.... I am fine with either type of account. I do want to continue to receive one year to date statement ...
by abuss368
Mon Jun 18, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares (VBIAX)
Replies: 22
Views: 2092

Re: Vanguard Balanced Index Fund Admiral Shares (VBIAX)

Is Vanguard Balanced Index Fund Admiral Shares (VBIAX) a horrible choice for a taxable account? Hi TheTimeLord - Ideally a balance fund is not preferred for a taxable account because any distributions from he bonds portfolio of the fund would be taxed at an investors ordinary income tax rate. Howev...