Search found 13262 matches

by abuss368
Sat Feb 16, 2019 12:53 am
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8873

Re: Why international?

I looked at VGTSX (Vanguard Total International) vs VFINX (Vanguard S&P500) using the Backtest Portfolio tool and could not find any time period 5 years or longer where International performance exceeded domestic. In fact, International performance was outright lousy (relative to domestic) in all t...
by abuss368
Fri Feb 15, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 5180

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

Does that mean I should move REITs into taxable? Or that I should feel ok moving it into taxable if I run out of tax advantaged space. Blue Man I would like to know this as well. I think the math is not completely clear. I have moved some of my reits to taxable. It is important to understand that n...
by abuss368
Fri Feb 15, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri on the Rational Reminder Podcast
Replies: 17
Views: 1693

Re: Rick Ferri on the Rational Reminder Podcast

Embarrassingly accurate summary of my own investing journey. Not embarrassing! Most Bogleheads are still working things out. Just read the posts on the Board. So many are hooked on finding perfection, "Should I have 14% in emerging markets or 13%?" Rick Ferri Very true. This is one of the reasons (...
by abuss368
Fri Feb 15, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 5180

Re: REITs - 20% Qualified Income Deduction

great news! just read in the nytimes that the final regs will let reit mutual fund shareholders who hold in taxable accounts get the deduction. awesome news! see page 6 of this link https://www.irs.gov/pub/irs-drop/reg-134652-18.pdf i think RIC = mutual fund According to page 9 of the proposed regu...
by abuss368
Fri Feb 15, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 651
Views: 65549

Re: What frugal thing did you do today?

Dimmed the lights in the house.
by abuss368
Fri Feb 15, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Boglehead Books
Replies: 2
Views: 323

Re: Vanguard & Boglehead Books

Bogleheads - Is anyone aware if any more books from the Bogleheads or the story of Vanguard are in the works to be written? No matter how many times the story of Vanguard has been told it is an amazing read and inspirational. Thank you Mr. Bogle! abuss368: I can't imagine anyone writing "the story ...
by abuss368
Fri Feb 15, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 651
Views: 65549

Re: What frugal thing did you do today?

Did not push the gas pedal down as hard!
by abuss368
Fri Feb 15, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 145
Views: 8080

Re: Were you 100% debt free at retirement

As a follow up we increased our mortgage payment again!
by abuss368
Fri Feb 15, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 145
Views: 8080

Re: Were you 100% debt free at retirement

In my opinion this was a very good thread with a lot of sharing of personal circumstances.

Thank you Bogleheads!
by abuss368
Fri Feb 15, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Why I Own a Total Market Index Fund
Replies: 43
Views: 5457

Re: Why I Own a Total Market Index Fund

Bogleheads: In 1989, my wife and I purchased a two-bedroom apartment in a Miami condominium. Our balconies overlook Biscayne Bay and the City of Miami. Standing on our "city side" 35th floor balcony, I can see hundreds of successful corporations where thousands of employees are working 40+ hours a ...
by abuss368
Fri Feb 15, 2019 1:30 pm
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8873

Re: Why international?

Diversification is the only free lunch in investing.
by abuss368
Fri Feb 15, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article-"Can Vanguard Remain Alone?"
Replies: 10
Views: 1855

Re: "Can Vanguard Remain Alone?"

[Thread merged into here, see below. --admin LadyGeek] Bogleheads: John Rekenthaler, a columnist for Morningstar.com and a member of Morningstar's investment research department, has written a thought-provoking article about the future of the Vanguard company. These are excerpts: What counts are co...
by abuss368
Fri Feb 15, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Boglehead Books
Replies: 2
Views: 323

Vanguard & Boglehead Books

Bogleheads -

Is anyone aware if any more books from the Bogleheads or the story of Vanguard are in the works to be written? No matter how many times the story of Vanguard has been told it is an amazing read and inspirational.

Thank you Mr. Bogle!
by abuss368
Fri Feb 15, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri on the Rational Reminder Podcast
Replies: 17
Views: 1693

Re: Rick Ferri on the Rational Reminder Podcast

The Education of an Index Investor Born in darkness Attracted by shiny objects. Does what others do. Not familiar with benchmarking. No clue about fees. Don't really know what index funds are. Thinks the Dow Jones Industrial Average is the market. Finds indexing enlightenment Discovers what indices...
by abuss368
Fri Feb 15, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 5180

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. I merged abuss368's thread into grok87's question. Both threads (and the post quoted) are from 2018. grok87 bump...
by abuss368
Fri Feb 15, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 5180

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. Thanks. Maybe somebody like a mod could link or merge these threads together. Also my understanding is that the ...
by abuss368
Fri Feb 15, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: visiting Baltimore
Replies: 55
Views: 5114

Re: visiting Baltimore

cherijoh wrote:
Fri Feb 15, 2019 11:32 am
I would recommend trying Maryland Crab cakes at Phillip's Seafood. Yummy! It is part of the Inner Harbor retail space.
They even have them in our local store!
by abuss368
Thu Feb 14, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 5180

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. Thanks. Maybe somebody like a mod could link or merge these threads together. Also my understanding is that the ...
by abuss368
Tue Feb 12, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 4460

Re: International bonds

saintsfan342000 wrote:
Tue Feb 12, 2019 10:36 pm
abuss368 wrote:
Tue Feb 12, 2019 3:54 pm
It appears as if Bogleheads have warmed to International Bonds or perhaps a Global Bond Fund a little more than a few years ago.
Just wait for when they make an Admiral share class for BNDW.
I believe there already is an Admiral share class available.
by abuss368
Tue Feb 12, 2019 3:54 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 4460

Re: International bonds

It appears as if Bogleheads have warmed to International Bonds or perhaps a Global Bond Fund a little more than a few years ago.
by abuss368
Tue Feb 12, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Gas / Electric Fireplace only produces a low flame
Replies: 13
Views: 1022

Re: Gas / Electric Fireplace only produces a low flame

There are several things that could be causing this problem. Most likely the valve is not operating as it should. Several years ago I sold Heat -N-Glo fireplaces so I am somewhat familiar with them. If the general cleaning did not work I would recommend calling a professional to check it out. Pleas...
by abuss368
Tue Feb 12, 2019 3:50 pm
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2041

Re: Investing in gold

Many investment experts who I hold in high regard, such as Jack Bogle, David Swensen, and Warren Buffett, recommend to avoid speculating in gold. Remember that Bogle recommended a 5% allocation to gold. Interesting. I checked the portfolio examples in "Bogle on Mutual Funds" but did not see that. D...
by abuss368
Tue Feb 12, 2019 2:10 pm
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2041

Re: Investing in gold

Many investment experts who I hold in high regard, such as Jack Bogle, David Swensen, and Warren Buffett, recommend to avoid speculating in gold. Remember that Bogle recommended a 5% allocation to gold. Interesting. I checked the portfolio examples in "Bogle on Mutual Funds" but did not see that. D...
by abuss368
Tue Feb 12, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 48
Views: 4645

Re: Benefits of Fidelity vs Vanguard

BogleMelon wrote:
Tue Feb 12, 2019 11:34 am
abuss368 wrote:
Tue Feb 12, 2019 11:32 am


Moving our portfolio to Vanguard was the best financial decision we ever made.
Mind me asking where it was before? Was it at Fidelity?
Many years ago we traded individual stocks and had accounts at Brown Co (JP Morgan firm I believe acquired) and then eTrade.
by abuss368
Tue Feb 12, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 48
Views: 4645

Re: Benefits of Fidelity vs Vanguard

Hi all, this is a newbie question... I am transferring funds in a few days to Vanguard. My son-in-law works for Fidelity (not in the brokerage arm). I have a taxable account with stocks in Fidelity. He suggested I look at the different options that each firm has to offer. He said I could own Funds ...
by abuss368
Tue Feb 12, 2019 11:29 am
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2041

Re: Investing in gold

I'm a novice investor and so far have just been investing in Vanguard total stock and bond funds. What are people's thoughts about investing a small percentage of my investments in gold? Where and how would I go about doing this? Thanks in advance. Welcome to the Bogleheads! I do not invest in gold...
by abuss368
Tue Feb 12, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: What Is Your Favorite Bogle Quote?
Replies: 48
Views: 2562

Re: What Is Your Favorite Bogle Quote?

This is a nice thread but a difficult one for me to post to as there are so many quotes from Mr. Bogle over the years that have had impact! That said I have always liked "Simplicity is the master key to financial success." Thank you so much Mr. Bogle for always fighting for the little guy to earn th...
by abuss368
Tue Feb 12, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Gas / Electric Fireplace only produces a low flame
Replies: 13
Views: 1022

Re: Gas / Electric Fireplace only produces a low flame

My gas fireplace would not light up last year (although it worked fine the year before). I called a service guy and for $140, he cleaned it out and it worked all last year and all this year every time I turned it on. I would call a service and not mess around with gas. Dave We experienced this as w...
by abuss368
Sun Feb 10, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1096
Views: 112497

Re: [What TV Show Have You Recently Watched?]

Starting “House of Cards” final season.
by abuss368
Sun Feb 10, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4143
Views: 1110772

Re: What Movie Have You Recently Watched?

Miami Vice the movie. You know the movie was not bad at all. What doomed it was the name and thus comparison to the awesome television show.
by abuss368
Sun Feb 10, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 150
Views: 14565

Re: "John Bogle. RIP"

nedsaid wrote:
Sat Feb 09, 2019 10:40 pm
There can't be enough tributes to John C. Bogle, or Jack as he liked to be called. He was a fine human being and will be very much missed. Sad that I didn't ever get to meet him.
Well said. :beer
by abuss368
Sun Feb 10, 2019 4:12 pm
Forum: Personal Investments
Topic: Which fixed income ? Total Bond, Treasury, Inflation Protected
Replies: 32
Views: 2366

Re: Which fixed income ? Total Bond, Treasury, Inflation Protected

Dandy wrote:
Sat Feb 09, 2019 9:48 pm
Total Bond Index includes a large allocation to Treasury bonds.
I know it is about 43% last time I looked. All the better. :happy
Agreed. I believe if agency bonds and GNMA are included Total Bond is 60%+.
by abuss368
Sun Feb 10, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3762

Re: Recommendation for home gym (limited space)

Quite impressive you engaged in hard core competition for 25 years. It does take a special form of determination and drive in that sport or any other. One of the best side effects is the type of person it turns you in to. It's no wonder you accomplished your goals. Thanks! You are correct and over ...
by abuss368
Sat Feb 09, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3762

Re: Recommendation for home gym (limited space)

I believe home gyms are a grand idea, but that in reality they are rarely used as much as one would workout going to a gym. There are too many distractions,,there are to many excuses. One being that you can work out any time. When you can do a thing at any time, that time becomes no time. When peop...
by abuss368
Sat Feb 09, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Franchisee
Replies: 13
Views: 1281

Re: Becoming a Franchisee

With McDonald's you are buying (investing) in the cash flows and lending against the cash flows. You do not own the real state. McDonald's (and many people do not know this) is not a burger and fries company. McDonald's is a real estate company. There are a lot of franchises where one is buying a jo...
by abuss368
Sat Feb 09, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Franchisee
Replies: 13
Views: 1281

Re: Becoming a Franchisee

I did accounting, tax, and consulting for franchisees for many years. Anything but easy. Extremely high stress, risks, and it is not the model it was years ago.

I would rather invest and own real estate or index funds.
by abuss368
Sat Feb 09, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1558

Re: Would you eat lab grown meat?

With the increased population and strain on supplies it may not be an option in future years. I would have concerns.
by abuss368
Sat Feb 09, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3762

Re: Recommendation for home gym (limited space)

The main thing I would advocate is to create a routine that costs you nothing extra in time nor effort to do your weight exercises. It is just a part of life just like sleeping, eating, showering, and using the toilet. This is key! And one that you appreciate the older you get. More so than a huge ...
by abuss368
Sat Feb 09, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3762

Re: Recommendation for home gym (limited space)

I trained hardcore for over 25 years and competed in powerlifting events. I trained at home and used a Lee Haney Total Gym - Gold Series (still in the basement). Lee Haney's systems were really the first on the market that included the power rack with bench inside, chin-up bar, lat pulldown and weig...
by abuss368
Sat Feb 09, 2019 4:36 pm
Forum: Personal Investments
Topic: Which fixed income ? Total Bond, Treasury, Inflation Protected
Replies: 32
Views: 2366

Re: Which fixed income ? Total Bond, Treasury, Inflation Protected

In my opinion, any good short or intermediate term bond fund will do the job by providing safety and income to an investment portfolio. The combination of Total Bond and TIPS is a good choice. I am unsure if you have increased exposure to inflation that an inflation protected bond fund is needed. Ma...
by abuss368
Sat Feb 09, 2019 4:33 pm
Forum: Personal Investments
Topic: Which fixed income ? Total Bond, Treasury, Inflation Protected
Replies: 32
Views: 2366

Re: Which fixed income ? Total Bond, Treasury, Inflation Protected

Dandy wrote:
Sat Feb 09, 2019 12:41 pm
If 500k is in tax sheltered account (e.g. TIRA) I'd opt for 1/2 in Intermediate Treasuries and 1/2 in Total Bond Fund. I like Treasury exposure for flight to quality times i.e. 2008 when everything seemed to be failing.
Total Bond Index includes a large allocation to Treasury bonds.
by abuss368
Sat Feb 09, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should we get the Mutual of Omaha LTC Policy?
Replies: 12
Views: 1045

Re: Should we get the Mutual of Omaha LTC Policy?

I do not know enough about long term care policies. I understand any inflation riders usually include a much higher premium. It appears since the financial crisis that the number of insurance companies offering LTC policies has declined.
by abuss368
Sat Feb 09, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: Can you rebalance your way to $0?
Replies: 35
Views: 2737

Re: Can you rebalance your way to $0?

Rebalancing presumes a reversion to the mean for the assets held, doesn't it? What if one of those assets in a portfolio doesn't revert to the mean but stays low or declines for the duration of one's life. Yet one continues to rebalance into that declining asset with the "good money" portion of a p...
by abuss368
Sat Feb 09, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 24638

Re: Cost of college and 529

We have 529s plans with Vanguard. Vanguard offers a very low cost and we have been happy with the all in one age based (think Target funds) plan. That said we are saving as best we can but not at the expense of reducing retirement funding. In state is approximately $21,000 a year here in Pennsylvani...
by abuss368
Sat Feb 09, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: Sector performance data
Replies: 6
Views: 376

Re: Sector performance data

FBN2014 wrote:
Fri Feb 08, 2019 10:24 am
Are there any good data services that monitor sector performance and momentum.
I would look at Morningstar. Very resourceful.
by abuss368
Fri Feb 08, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 4460

Re: International bonds

"Vanguard has a paper about why I am wrong, and holding foreign bonds (USD hedged) can improve the diversification of the US investor's portfolio. I think it's marginal but it's worth having a read of that paper." The reason my mind is open to non-US/non-USD bonds hedged to USD is because of that V...
by abuss368
Thu Feb 07, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 69
Views: 7891

Re: World VCR production is ending next month. What to do with my old VHS tapes?

VCRs were so ubiquitous and popular that there will be plenty of business or people making businesses to convert old VHS tapes to modern formats for long enough that the entire generation of VCR-lovers who still have media they care about converting, will entirely die out before this becomes a long...
by abuss368
Thu Feb 07, 2019 11:13 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 4460

Re: International bonds

Saying US bonds don’t return more than international is just silly. At some point you need to acknowledge that interest rates are lower in Europe and other developed countries and that rates are higher in the US for the same risk level bonds. So that tells us that rates have less room to move downw...
by abuss368
Thu Feb 07, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 69
Views: 7891

Re: World VCR production is ending next month. What to do with my old VHS tapes?

We donated VCR tapes probably over a decade ago. We are going through your DVD and CD problem now. Trying to remove all. Most movies available with streaming.
by abuss368
Wed Feb 06, 2019 11:03 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 4460

Re: International bonds

What I found interesting is that Total Bond includes foreign bonds issued in U.S. dollars and Total International Bond includes U.S. companies issuing bonds overseas.

We truly are a globalized world.