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by abuss368
Tue May 26, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5434
Views: 1349474

Re: What Movie Have You Recently Watched?

"Mitt" on Netflix. Was good.
by abuss368
Tue May 26, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 121
Views: 6564

Re: Investors: be aware of weakness in 2FA + strengthening

Vanguard has voice verification and you can setup an enhanced password to identify yourself.

I want to check with Vanguard if they have transfer lockdown available. Not entirely sure what that means however as I am not with Fidelity. Can someone explain in more detail?
by abuss368
Mon May 25, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 167
Views: 15179

Re: Vanguard High Dividend Yield Index Fund

I'm surprised that no one has yet explicitly compared the total return of Vanguard High Dividend Yield with Vanguard Total Stock Market. Here's a Morningstar growth chart that compares the admiral shares of these two mutual funds (VHYAX and VTSAX). The results should be practically the same for the...
by abuss368
Mon May 25, 2020 8:00 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 86
Views: 6527

Re: Examples of why NOT to hold individual stocks

Have not owned an individual stock in over 12 years. Had home runs (remember the story of American On Line) and strikeouts (American Home Mortgage and Impact Mortgage).
by abuss368
Mon May 25, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 86
Views: 6527

Re: Examples of why NOT to hold individual stocks

Luckin Coffee - supposedly 'the Starbucks' of China. the CFO and CEO are being investigated for inflating sales figures. Stock peaked at about $50/share early this year - now trading for about $1.40/share. That said, I do own a few individual stocks - AAPL, MCD and MGM. Luckin Coffee. That was incr...
by abuss368
Mon May 25, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 142
Views: 17371

Re: Any Instant Pot users here?

Love the instant pot!
by abuss368
Mon May 25, 2020 7:55 pm
Forum: Personal Investments
Topic: Should all international go in Roth?
Replies: 7
Views: 494

Re: Should all international go in Roth?

The international funds have very high dividend yields! So does it make sense to put them all in Roth? Assume I cannot make use of foreign tax credits. That is a fought one because what happens in that example is the investor will not be able to take the foreign tax credit. Losing out on the credit...
by abuss368
Mon May 25, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 611
Views: 32244

Re: What are you listening to now

Sitting outside and listening to nature and silence.

Peaceful.
by abuss368
Mon May 25, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 26
Views: 1495

Re: which iPhone?

I purchase an iPhone 10 a while ago after the iPhone 11 was already out. I wanted a larger screen so I could see better.

I typically buy a cycle or two behind to keep costs down. This has worked well for us over the years.
by abuss368
Mon May 25, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110218

Re: Jack Bogle - Two Fund Portfolio

You have presented some very good options that are simple and effective. I prefer the simplicity of Jack Bogle's and Warren Buffett's Two Fund Portfolio. It has worked well even with the most recent downturn. I regularly follow "The Calm Post" thread and this "Two Fund Portfolio" thread. Lately, I'...
by abuss368
Mon May 25, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 61
Views: 5969

Re: El-Erian comments on the crisis

He did suggest that quality--strong balances sheets with large cash reserves, reliable revenue and profit streams, moats around their business models--offers both downside protection and upside potential in this setting. This is something that most investors knew in the first place, which is why th...
by abuss368
Mon May 25, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: Why bonds may be the only thing propping up the stock market
Replies: 13
Views: 1712

Re: Why bonds may be the only thing propping up the stock market

Thanks for sharing! Tune out the noise and stay the course.
by abuss368
Mon May 25, 2020 8:37 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1404
Views: 189693

Re: Post your Financial Milestone Announcements Here

1130Super wrote:
Wed Apr 29, 2020 9:16 pm
Hit 100k for first time today for tax advantaged accounts (401k, and Roth) 27 years old
Congrats! I remember that day!
by abuss368
Mon May 25, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 61
Views: 5969

Re: El-Erian comments on the crisis

He did suggest that quality--strong balances sheets with large cash reserves, reliable revenue and profit streams, moats around their business models--offers both downside protection and upside potential in this setting. This is something that most investors knew in the first place, which is why th...
by abuss368
Sun May 24, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

I’m trying to bullet proof our portfolio since I shot myself this March. The simpler the better ...I panicked trying to keep track of 4 funds in 3 accounts. I have decided against the default 4 fund portfolio that Vanguard suggests...I’m just not happy with international funds.So that rules out one...
by abuss368
Sun May 24, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler: Long Bonds Are for Fools
Replies: 346
Views: 17713

Re: Rekenthaler: Long Bonds Are for Fools

I have always kept our bonds in an intermediate term duration bond fund. I think intermediate nominals (I assume) make perfect sense. Assuming we don't know future inflation, it's difficult to choose between nominals and TIPS. Long-term nominals have inflation risk. Long-term tips are not as good f...
by abuss368
Sun May 24, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler: Long Bonds Are for Fools
Replies: 346
Views: 17713

Re: Rekenthaler: Long Bonds Are for Fools

I have always kept our bonds in an intermediate term duration bond fund.
by abuss368
Sun May 24, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 29
Views: 1538

Re: Why did you change your investing approach?

When I realized Jack Bogle and Warren Buffett were a lot smarter, more experienced and offered a simpler, better plan than my random investments. ^^^^^^^^^^^ This is a perfect and home hitting response. Very true as this was our exact experience and today we are both thankful and better investors f...
by abuss368
Sun May 24, 2020 7:29 pm
Forum: Personal Investments
Topic: What’s the optimal turnover ratio for an ETF?
Replies: 12
Views: 579

Re: What’s the optimal turnover ratio for an ETF?

The lower the better and results in less transactional cost to the fund. My Total Stock Index fund has a turnover of only 4.1% per Vanguard's website.
by abuss368
Sun May 24, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Boat to people out of State
Replies: 17
Views: 959

Re: Selling Boat to people out of State

Long story short I am selling my 2017 Coach 230 RL Tritoon for $38,500 and that is a really good deal so I am getting alot of people contacting from states nearby. I hold the title free and clear but many people want to pay with a cashiers check from their bank. Is there any reason to be concerned ...
by abuss368
Sun May 24, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Historical Statistics for Inflation, Bonds and Stocks
Replies: 5
Views: 596

Re: Historical Statistics for Inflation, Bonds and Stocks

Bogleheads: I have upgraded my post showing historical U.S. Inflation Rates and the Aggregate Bond Index Returns to now include annual returns for the S&P 500 Total Return Index: YEAR -- INFLATION -- BOND INDEX -- S&P 500 T.R. INDEX 1976-------4.9%--------15.6%------------23.84% 1977-------6.7-----...
by abuss368
Sun May 24, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: Owning Top Stocks in Each Sector?
Replies: 21
Views: 1002

Re: Owning Top Stocks in Each Sector?

For the fun of it, I have been thinking about using a small portion of my equity allocation to purchase stock of the top company (by market weight) in each of the 11 S&P 500 sectors, at equal weight. I'm just wondering if anyone has done this, or any thoughts on this? Thanks. I would not find any p...
by abuss368
Sun May 24, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110218

Re: Jack Bogle - Two Fund Portfolio

Boring old Balanced Index is only down 4% this year. Yes. If I’ve decided against international funds is there any disadvantage to using this balanced index one fund approach as opposed to the 2 fund? I’m 64 and trying to find a true buy and hold strategy since I panicked in March and did our portf...
by abuss368
Sun May 24, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5434
Views: 1349474

Re: What Movie Have You Recently Watched?

Mystic River on Netflix. The movie was excellent!
by abuss368
Sun May 24, 2020 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 985
Views: 102353

Re: Why are you NOT buying rental properties?

Something a lot of people are missing is that the tenant actually pays for your mortgage.... Let’s say you buy a 100k apartment which you can rent for 8k a year. Instead of putting your own money, you take a mortgage at 3% for 10 years. The rent pays for your mortgage. Meanwhile your money passivel...
by abuss368
Sun May 24, 2020 7:40 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110218

Re: Jack Bogle - Two Fund Portfolio

Boring old Balanced Index is only down 4% this year. Yes. If I’ve decided against international funds is there any disadvantage to using this balanced index one fund approach as opposed to the 2 fund? I’m 64 and trying to find a true buy and hold strategy since I panicked in March and did our portf...
by abuss368
Sun May 24, 2020 7:39 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110218

Re: Jack Bogle - Two Fund Portfolio

columbia wrote:
Sun May 24, 2020 6:25 am
Boring old Balanced Index is only down 4% this year.
Are you invested in this one fund?
by abuss368
Sat May 23, 2020 5:49 pm
Forum: Personal Investments
Topic: S&P ETF vs. Index - For a 'Young' Taxable Account
Replies: 10
Views: 658

Re: S&P ETF vs. Index - For a 'Young' Taxable Account

This is a question I almost hate to ask but was hoping for some advice/clarification. After maxing my ROTH and taking advantage of my employer's SIMPLE IRA match, I have some leftover that I have been consistently feeding into my taxable account. Currently, it is being fed into FXAIX (S&P Index). A...
by abuss368
Sat May 23, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

Keep it simple. Pick something with low fees. Pick something you can have conviction - not somebody else’s idea of the perfect portfolio - otherwise you will sell out. I personally do Warren Buffett’s portfolio of cash and a super low cost S&P 500 index fund. I have been very happy with my results ...
by abuss368
Sat May 23, 2020 5:40 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1959

Re: REITs in a world of WFH + social distancing

The REIT structure is not going anywhere in the US. May be struggling but it will adapt and overcome. If anything, I recall when REITs were $300 Billion and then hit $1 Trillion. I believe they were recently $3 TRILLION!
by abuss368
Sat May 23, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1959

Re: REITs in a world of WFH + social distancing

I expect international reits like vnqi to have an edge. More companies are realizing they can have worker work remotely, and that it is cheaper if the worker works remotely from somewhere much cheaper, and maybe in an office. Many teams had to show their value in last few months and suddenly work t...
by abuss368
Sat May 23, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

I, too, am trying to decide between the portfolios the OP enumerates. I’m 64 and have been investing in Vanguard index funds for about 18 years. I started with just US stocks and bonds but after a review by a PAS advisor in 2018 I was persuaded to add international stocks and bonds. That 4 fund por...
by abuss368
Sat May 23, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1959

Re: REITs in a world of WFH + social distancing

Plenty of very good REIT subsections!
by abuss368
Sat May 23, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 66
Views: 6338

Re: Hertz is declaring bankruptcy

Wow! I did not see this. We have to get this economy up and running or there will not be anything left to open!
by abuss368
Sat May 23, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time for a HELOC
Replies: 11
Views: 1122

Re: Good Time for a HELOC

Any line of credit can provide additional flexibility when needed. The preferred time to get one is when it is not needed.
by abuss368
Sat May 23, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time for a HELOC
Replies: 11
Views: 1122

Re: Good Time for a HELOC

We have had and used a Line of Credit whenever needed. We used to have one attached to the home but now simply have a personal line of credit. A little higher interest but the older I get the more I prefer to not have it attached to our home.
by abuss368
Sat May 23, 2020 2:33 pm
Forum: Personal Investments
Topic: Thoughts on Vanguard Global Wellington?
Replies: 12
Views: 623

Re: Thoughts on Vanguard Global Wellington?

I'm not super comfortable with Vanguard Global Indexed funds (VTIAX). Mostly because I'm not convinced that global markets are fair/priced adequately/not with a large portions of fraudulent stocks. I remember growing up in India - and just reading reports of a bunch of companies that would list the...
by abuss368
Sat May 23, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 61
Views: 5969

Re: El-Erian comments on the crisis

Incredible and thank you for sharing. I would not be surprised if a "V" shape does not occur but more of a "U" shape.
by abuss368
Sat May 23, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4383

Re: NJ property taxes too high. What are my alternative states?

I have never understood why New Jersey, with all the tourist attractions, an entire coastline, casino's, and neighbored to New York has any budget issues.
by abuss368
Sat May 23, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6032

Re: Where to park cash in Fidelity?

I read an article today on the TIAA website where negative interest rates may be possible by December. Incredible. If that occurs, I will end up moving to a limited or short term bond fund.
by abuss368
Sat May 23, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9141

Re: Personal spending out of control after Covid-19

For us, quite the opposite. We have barely spent and have actually paid down debt and increased savings & investing. Clothing, gas, eating out, and other items are all down. Our credit card transactions are a couple a week if that. If this is a good prelude to retirement, I am feeling a lot better.
by abuss368
Sat May 23, 2020 2:15 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2353

Re: Chasing Individual Stocks

I chased individual stocks lifetime ago and have not owned one for over 12 years and will never again. I had homeruns (remember America On Line) and bad bad bad strikeouts (America Home Mortgage, Impact Mortgage, etc.) Own the haystack rather than searching for the needle in the haystack. Simply buy...
by abuss368
Sat May 23, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110218

Re: Jack Bogle - Two Fund Portfolio

Bogleheads -

Excellent article from Warren Buffett on why investors should not buy individual stocks (and what they should invest in): https://www.cnbc.com/2020/05/22/warren- ... tocks.html

Thanks to Taylor for sharing in another thread!
by abuss368
Sat May 23, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

I'm not convinced any one of these options would provide much of an edge over the others as long as you stay the course. The more I research these, the more I realize you speak the truth😁 Exactly! And if you doubt you can stick with international, it is simple: don't own it. Better to be with a por...
by abuss368
Sat May 23, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

First, throw out the 4 funder. International bonds are really not necessary, in my opinion, and don't add much. Others may disagree. I would only hold them if I went the 1 fund route because they're in it. Next, determine whether you want international equities or not. If no to international, your ...
by abuss368
Sat May 23, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

Abuss368's 2 Fund portfolio - VTSAX (Total US Stock Market Index Fund) and VBTLX (Total US Bond Index Fund) : A proponent of the 3 fund portfolio, but an offshoot of such, by not using International Stock or bond funds. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=188176 I am honored! But ...
by abuss368
Sat May 23, 2020 1:58 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2833

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

Abuss368, Do you prefer the 2 fund? Thanks! Hi Randtor - The short answer is I do! Back in November, I drastically simplified and changed our portfolio from Total Stock, Total International Stock, US REIT, International REIT, Total Bond, and Total International Bond to Jack Bogle's and Warren Buffe...
by abuss368
Sat May 23, 2020 12:24 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1404
Views: 189693

Re: Just Paid Off My Mortgage

grobertj wrote:
Sat May 23, 2020 10:32 am
I'm really concerned about the stock market, so I decided to pay off my mortgage. It was a close call on an NPV analysis, but its nice to not have any debt. We own 2 cars. Have anyone done the same?
Congrats and job well done!
by abuss368
Sat May 23, 2020 12:22 pm
Forum: Personal Investments
Topic: Ameriprise vs Vanguard PAS vs Three fund approach
Replies: 13
Views: 691

Re: Ameriprise vs Vanguard PAS vs Three fund approach

Over a lifetime of investing I have learned that the simple portfolios win hands down.

Keeping it simple will result in an investor having less opportunity to tinker and alter when the markets inevitably go down (and they always do).