Search found 13703 matches

by abuss368
Tue Jun 18, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast hits milestone
Replies: 15
Views: 1152

Re: "Bogleheads on Investing" podcast hits milestone

The Bogleheads on Investing podcast began last September with our mentor, Jack Bogle as the inaugural guest. Today, we hit a milestone: 100,000 DOWNLOADS worldwide! Thank you for your support! Here are links to all episodes: Sep. 2018: John Bogle Oct. 2018: David Blitzer Nov. 2018: Jonathan Clement...
by abuss368
Mon Jun 17, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

“Vice” on Hulu. Enjoyed it.
by abuss368
Sun Jun 16, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35936

Re: Why are you NOT buying rental properties?

samstar wrote:
Sat Jun 15, 2019 10:55 pm
Rentals really only work if you have a lot of cheap leverage and get price appreciation.
I’ve put it in a spreadsheet many times and it’s very hard to get the math to work out where rentals are more favorable than REITs.
:sharebeer
by abuss368
Sat Jun 15, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

“The Commuter” on Hulu.
by abuss368
Sat Jun 15, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Utilities - worth another look?
Replies: 87
Views: 5761

Re: Utilities - worth another look?

Let's back up and review the facts at hand: 1. 100% of our family income is concentrated in tech and healthcare 2. 33% of VTSAX is concentrated in tech and healthcare 3. Utilities exhibit the lowest correlation to both those sectors (around 0.5 correlation) 4. Utilities only comprise 3% of VTSAX So...
by abuss368
Sat Jun 15, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3195

Re: Slice and dice for bonds

I have relatives that have been retired for many years and hold Total Bond in tax advantage and intermediate term tax exempt in taxable. This one bond fund in each account has worked well.
by abuss368
Thu Jun 13, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3195

Re: Slice and dice for bonds

An option: Why not simplify and diversify by using a broad based bond index like VBTLX (Vanguard Total Bond) and then choose a percentage of your total fixed allocaiton and diversify that percentage into; CD ladders, treasuries, munis, etc.? Therefore your short and int. term needs are covered and ...
by abuss368
Thu Jun 13, 2019 10:18 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3092

Re: Starbucks; buy, sell, hold?

Have enjoyed the products over the years. Would I invest in the stock? No for the risk reasons noted above.

You would be wise to own a few total market index funds.
by abuss368
Thu Jun 13, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

I also wanted to add: In the lecture I consider myself fortunate to attend from David Swensen he was very clear: Do not do or try to do what I do with the endowment. No one can replicate or mirror that. Kind of like Warren Buffett buying a certain Bank of America investment and us buying the common...
by abuss368
Thu Jun 13, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

I also wanted to add: In the lecture I consider myself fortunate to attend from David Swensen he was very clear: Do not do or try to do what I do with the endowment. No one can replicate or mirror that. Kind of like Warren Buffett buying a certain Bank of America investment and us buying the common...
by abuss368
Thu Jun 13, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35936

Re: Why are you NOT buying rental properties?

Yes, you can buy RE ETF but that is like buying S&P 500. There is no leverage. Leverage is what makes RE investing special but of course leverage is great on the way up but painful on the way down so you have to know what you are doing. This is not correct. The REITs have plenty of debt and leverage.
by abuss368
Thu Jun 13, 2019 8:26 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3092

Re: Starbucks; buy, sell, hold?

Anyone hold and have any thoughts on SBUX over the next 3-5 years? It's one of the few individual stocks I own and I bought shares 10 years ago. Needless to say it's done very well. It's about 2% of my retirement holdings and is in a traditional IRA. My advisor has tried to get me to sell it or tri...
by abuss368
Thu Jun 13, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 3836

Re: 50 or 75 gallon water heater?

We currently have a 21 year old, 75 gallon gas water heater located in the basement of our home. Being that it's 21 years old, I'm considering having it replaced. When I got on estimate to have it replaced with another 75 gallon heater (State Water Heater model SGS675XRRS), the total estimate was $...
by abuss368
Thu Jun 13, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35936

Re: Why are you NOT buying rental properties?

Real estate is a difficult investment with no perfect or ideal strategy for investing purposes. Ralph Block of "Investing in REITs" devote a chapter regarding this and states there are three ways to invest in real estate: * REITs * Private placement * Directly He provides the advantages and disadvan...
by abuss368
Thu Jun 13, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35936

Re: Why are you NOT buying rental properties?

Have considered this for many years. Reading Taylor's excellent advice and experience made me realize it is more of a job and running a business and should not be compared to passive investing. Taylor has said he "may" have made a little more return but if he had to do it all over again he would sim...
by abuss368
Thu Jun 13, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3195

Re: Slice and dice for bonds

Hello there, I have spent a fair amount of time reading these board and while there are a lot of topics on equity slice and dice, there are much less (but still a few) on bond slice and dice. For the bond allocation, I am tending towards a barbell strategy so something around 50% short term, 50% lo...
by abuss368
Thu Jun 13, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3195

Re: Slice and dice for bonds

Vanguard investment experts have recommended a two fund strategy for bonds: Total Bond Index and Total International Bond Index.

The Target Retirement Fund will also include an allocation to Short Term TIPS.
by abuss368
Thu Jun 13, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3195

Re: Slice and dice for bonds

An option: Why not simplify and diversify by using a broad based bond index like VBTLX (Vanguard Total Bond) and then choose a percentage of your total fixed allocaiton and diversify that percentage into; CD ladders, treasuries, munis, etc.? Therefore your short and int. term needs are covered and ...
by abuss368
Thu Jun 13, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3269

Re: Do you repair your own appliances?

As a landlord self managing apartment buildings for decades, I can't think of anything I haven't fixed, repaired, renovated, or replaced, on my own. It was simply a matter of economics. As for my own home, it's a given. j :happy Sandtrap - How many direct real estate apartment rentals did you manag...
by abuss368
Thu Jun 13, 2019 8:05 pm
Forum: Personal Investments
Topic: Does an Advisors AUM fee also include assets in your 401k that they advise on?
Replies: 24
Views: 2013

Re: Does an Advisors AUM fee also include assets in your 401k that they advise on?

KingRiggs wrote:
Thu Jun 06, 2019 10:01 am
I have a business partner who signed up to work with an advisor who charges him a 0.75% of his NET WORTH.

That $50k car he bought costs him an extra $375 just for owning it...

The crazy thing is, he's happier than a pig in slop because the advisor is "making him so much money"... :oops:
Wow!
by abuss368
Thu Jun 13, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

I also wanted to add: In the lecture I consider myself fortunate to attend from David Swensen he was very clear: Do not do or try to do what I do with the endowment. No one can replicate or mirror that. Kind of like Warren Buffett buying a certain Bank of America investment and us buying the common ...
by abuss368
Thu Jun 13, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

One important aspect of the Yale portfolio is the endowment has access to assets that others do not have. While most invest in public securities, Yale also invests in a lot of illiquid assets that take time to earn a return. Simply certain doors open for David Swensen and his team that do not for mo...
by abuss368
Thu Jun 13, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 3973

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

Bogleheads: Article about how the simple Vanguard S&P 500 Index Fund is currently outperforming Swensen's famous Yale Portfolio: https://www.morningstar.com/articles/933014/the-sp-500-is-beating-yales-endowment-fund.html Best wishes. Taylor Thanks for sharing Taylor! I was fortunate enough to atten...
by abuss368
Thu Jun 13, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 977
Views: 261159

Re: Share your net worth progression

looking wrote:
Thu Jun 13, 2019 4:48 pm
i was homeless, now im now a flagsgip member
Inspiring. Please consider sharing.
by abuss368
Wed Jun 12, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

American Psycho on Hulu.
by abuss368
Wed Jun 12, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

Yes. In my opinion it is very cheap and provides additional protection. By that logic, shouldn't we take out insurance on our cell phones? It's cheap and provides additional protection. You can but I never have. Look at possible exposure. Home, auto, general liability. Do you carry an umbrella poli...
by abuss368
Tue Jun 11, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3564

Re: Preventing Identity Theft

I don't use Lifelock but rather the annual free credit report to monitor a couple of times a year.
by abuss368
Tue Jun 11, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3111

Re: Good Rx

Use this plan(free) for drug purchases Sometimes your copay with insurance is MORE than buying it out of pocket!!! Believe it or not I have seen it many times I was also using www.healthwarehouse.com and found that at times simply purchasing directly was cheaper than using insurance. They do not ta...
by abuss368
Tue Jun 11, 2019 8:21 pm
Forum: Personal Investments
Topic: Strategy to increase bond allocation
Replies: 5
Views: 1215

Re: Strategy to increase bond allocation

I would start to buy California munis with Vanguard. Sell the LifeStrategy fund now before you have larger capital gains in the future.
by abuss368
Tue Jun 11, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9694

Re: Naval on getting rich.

Interesting. There is another personal finance website in the bay area: www.financialsamurai.com
by abuss368
Tue Jun 11, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 812

Re: Best women's starter golf clubs?

Starter sets are a good value but you are asked to entertain customers. This means some professionalism is required. You will need to look the part even if your game isn’t sharp. Callaway has great used values online. Here’s a sample of iron sets in the $200’s. https://www.callawaygolfpreowned.com/...
by abuss368
Tue Jun 11, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3564

Re: Preventing Identity Theft

This year we've had more than a few incidents which I believe make us likely targets for identity theft. Our personal information has been lost more than a few times. What can we do to prepare for and prevent identity theft? So far all I have is: monitor credit report, freeze credit at the three ag...
by abuss368
Tue Jun 11, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

Yes. In my opinion it is very cheap and provides additional protection.
by abuss368
Tue Jun 11, 2019 8:03 pm
Forum: Personal Investments
Topic: How should I craft my portfolio?
Replies: 8
Views: 514

Re: How should I craft my portfolio?

Hello all! I’m brand new to investing and have some questions about how I should build my portfolio. I’m 17, and have put in 1000 in a Roth IRA to start with. I was thinking of a 3 fund portfolio, maybe starting out with 90% stocks with 10% bonds. I’m ok with some risk since I have a while until I ...
by abuss368
Tue Jun 11, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Quitten" - Replacing Quicken with Google Sheets
Replies: 28
Views: 2755

Re: "Quitten" - Replacing Quicken with Google Sheets

We used Quicken for almost 10 years and stopped cold about a decade ago. We simply did not see any value and thought time could be used with more meaningful and enjoyable things. No regrets.
by abuss368
Tue Jun 11, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 812

Re: Best women's starter golf clubs?

My boss told me I need to take up golf in order to take clients out. What is the best starter set of women's golf clubs and anything specific that a beginner should spend money on? I don't think this will pay off immediately for me so I am trying not to spend a ton of money here. Thanks! I was here...
by abuss368
Tue Jun 11, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 3968

Re: My bicycle ride from Florence, Italy to Bern, Switzerland

Thanks for sharing and safe travels! Please share some pictures.
by abuss368
Tue Jun 11, 2019 7:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Re-Death of Value, or Deja Vu All Over
Replies: 61
Views: 5766

Re: Larry Swedroe: The Re-Death of Value, or Deja Vu All Over

https://alphaarchitect.com/2019/06/04/the-re-death-of-value-or-deja-vu-all-over/ He has a detailed reminder that a decade is a short period of time when looking at financial data. In my opinion this is key. A decade is a short period of time. Consider the 10 year bull market. What is there is a dec...
by abuss368
Mon Jun 10, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 48
Views: 6091

Re: Apple - Old Product Boxes - Keep or Dispose?

Feedback please and thoughts! I keep my boxes and regift them during the holidays with other things packed inside. It always brings a lot of excitement to opening up presents. "Golly, lthenderson ! A new Apple [product]? I've always wanted a new..." opens box "...fruitcake." [Edit] You might find t...
by abuss368
Mon Jun 10, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17502

Re: Are You Dumping Netflix?

3 siblings and I split the cost for shared Netflix/Prime/HBO/Hulu. There is no way I'd pay for it alone/separate. Couldn't tell you the last time we actually watched Netflix, their programming has gone down the tubes the last year. Nothing worth watching. Does Hulu allow multiple streams at the sam...
by abuss368
Sun Jun 09, 2019 7:53 am
Forum: Personal Investments
Topic: Simplifying portfolio and making catch-up choices
Replies: 9
Views: 821

Re: Simplifying portfolio and making catch-up choices

Jack Bogle always said simplicity is the master key to financial success.
by abuss368
Sat Jun 08, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 48
Views: 6091

Re: Apple - Old Product Boxes - Keep or Dispose?

KandT wrote:
Fri Jun 07, 2019 8:55 pm
abuss368 wrote:
Fri Jun 07, 2019 7:41 pm
I will be parting ways with the boxes!
:sharebeer
Boxes gone!
by abuss368
Sat Jun 08, 2019 12:19 pm
Forum: Personal Investments
Topic: Guaranteed income stream options?
Replies: 14
Views: 1106

Re: Guaranteed income stream options?

My 50 yr brother (he is single) and has expenses of 50K/annum. He has 1M in savings and has put in high interest saving account (2.3%). He is looking to retire now for spiritual reasons. To cover his expenses he is looking for 5% tax free guaranteed income. He is willing to invest this money for up...
by abuss368
Sat Jun 08, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article on avoiding home country bias
Replies: 8
Views: 623

Re: Morningstar article on avoiding home country bias

We have stayed the course and accumulated enormous go international shares over the past decade. Hopefully someday that investment pays off!
by abuss368
Sat Jun 08, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article on avoiding home country bias
Replies: 8
Views: 623

Re: Morningstar article on avoiding home country bias

We are such a globalized and interconnected business world and society that I am not sure how we can effectively select one (U.S. or International) over the other.
by abuss368
Fri Jun 07, 2019 10:06 pm
Forum: Investing - Theory, News & General
Topic: David Swensen Unconventional Success
Replies: 123
Views: 12475

Re: David Swensen Unconventional Success

Considering Unconventional Success was published in 2005, I would be interested in David Swensen's current thoughts regarding asset classes that were more expensive and not as readily available as today. International Bonds and International REITs come to mind. Perhaps international bonds would be ...
by abuss368
Fri Jun 07, 2019 7:50 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9302

Re: why are Small Caps falling?

Invest in Total Market Index funds and do not worry about subsets. Keep investing simple. You mean a Total Market Fund like VTSAX? VTSAX has a 100% correlation with the S&P 500, just do a asset correlation test in Portfolio Visualizer from 1993 it has a virtually identical return and if you analyze...