Search found 12549 matches

by abuss368
Mon Aug 20, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: How do you measure % of international holdings?
Replies: 9
Views: 542

Re: How do you measure % of international holdings?

I typically see it as a percentage of equity. Likewise I see international bonds as a percentage of fixed income. As such, many posters state it is a percentage of equities or bonds.
by abuss368
Sun Aug 19, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rental home and paying off debt by refinancing primary home cash out
Replies: 9
Views: 744

Re: Rental home and paying off debt by refinancing primary home cash out

One additional item to consider is the Federal tax law changes for 2018. The interest on the mortgage to your primary home may no longer be realized as a deductible itemized expense as the standard deduction has increased. Without knowing more about your personal tax situation it is hard to say.
by abuss368
Sun Aug 19, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rental home and paying off debt by refinancing primary home cash out
Replies: 9
Views: 744

Re: Rental home and paying off debt by refinancing primary home cash out

I plan on cashing out a small percentage of our primary home about 25% of total home value and buying out the other half of a rental property from brother in law. The terms we could get from cashing out are significantly better than other options regarding the rental home itself. It would also be q...
by abuss368
Sun Aug 19, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 46
Views: 4486

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

My entire collection in hardcover and excellent condition of Jack Bogle, Jack Brennan, Bogleheads, and any books about Vanguard/Jack. We have everyone of them and refer to them as needed.
by abuss368
Sun Aug 19, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: New job, recommendations?
Replies: 5
Views: 759

Re: New job, recommendations?

I would consider a Target Date fund with the right asset allocation for your goals, timeframe, and tolerance for risk. If that is unavailable, consider a simple two fund solution of Vanguard 500 Index and Total Bond.

Keep investing simple.
by abuss368
Sun Aug 19, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3183
Views: 968353

Re: What Book Are You Currently Reading? Part VI

Still working on Ronald Reagan's book "An American Life" all 725 pages! Almost there but I have enjoyed it.
by abuss368
Sun Aug 19, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 48
Views: 6964

Re: The Fall of Consumer Reports

jalbert wrote:
Sat Aug 18, 2018 7:31 pm
I call this new AD era the “Age of Misinformation” given the high rate of inaccurate, misleading, or flat out dead wrong information published online.
Indeed. I would agree this is a risk and unfortunate part to our everyday online experiences.
by abuss368
Sun Aug 19, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2551

Re: Health Check at 30. What Can I Do To Improve?

TechGuy89 wrote:
Sat Aug 18, 2018 6:55 pm

Cryptocurrency - $45,000
Hi TechGuy89 -

In my opinion, the recent fascination with Cryptocurrencies will end badly at some point. You would be well served to remove this speculative position and invest in low cost total market index funds.

Keep investing simple.

Best.
by abuss368
Sun Aug 19, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2551

Re: Health Check at 30. What Can I Do To Improve?

TechGuy89 wrote:
Sun Aug 19, 2018 2:37 am
Hazel-Rah wrote:
Sun Aug 19, 2018 2:14 am
3) Do the same $5.5k Roth IRA contribution for your spouse.
Thanks! I thought I can't contribute to a Roth IRA for my spouse since she has no income?
If you are married and have enough income (and it appears that you do), a contribution to an IRA for a spouse is permitted.
by abuss368
Sun Aug 19, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: [Thinking about a two-fund portfolio]
Replies: 5
Views: 422

Re: [Thinking about a two-fund portfolio]

Moved into a stand-alone thread from: The Three-Fund Portfolio --admin LadyGeek] Question for Taylor et al regarding international investing. Based on a ratio of 20% of equity allocation to the Total International Stock Index Fund (VTIAX), does it really have much of an impact if your total allocat...
by abuss368
Sun Aug 19, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 206
Views: 33653

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

Hi Taylor -

This book is both a great accomplishment and resource. I thank you! Will there continue to be additional books in the Bogleheads series?

Best.
by abuss368
Sun Aug 19, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a TIPS fund
Replies: 8
Views: 764

Re: Help me pick a TIPS fund

stlutz wrote:
Sat Aug 18, 2018 9:43 pm
The Schwab fund seems to be the obvious choice.
I would agree.
by abuss368
Sat Aug 18, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account
Replies: 4
Views: 875

Re: Help with taxable account

yes, I'd use a muni bond fund in your case in a taxable account with a 35% tax bracket. By the way 47M means 47 million. I think you meant 47K or thousand. If you really meant 47 million then you don't need our help. Hi fredjohnson - You appear to have a sizable taxable investment portfolio based o...
by abuss368
Sat Aug 18, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
Replies: 18
Views: 3430

Re: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?

I read somewhere Jack Bogle invests in Vanguard Intermediate-Term Bond Index fund. Is it a good time to do this? :confused Hi billo43 - Welcome to the Bogleheads! The Vanguard Intermediate Term Bond Index Fund is an excellent fund. In my opinion any short or intermediate term bond fund that is low ...
by abuss368
Sat Aug 18, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Cannnot send a message to Vanguard.
Replies: 15
Views: 1896

Re: Cannnot send a message to Vanguard.

We had a problem with Vanguard's message service as well a few months ago where there appeared to be minimal or no functionality. Then I noticed it was fixed.
by abuss368
Sat Aug 18, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a TIPS fund
Replies: 8
Views: 764

Re: Help me pick a TIPS fund

lilgrinch wrote:
Sat Aug 18, 2018 8:04 pm
thanks abuss368
i'm fairly confident in my decision to have a TIPS allocation after reading innumerable posts on the pros and cons. i admit its small, only 5%. but i'm happy with that.
Good as that is most important in investing - the sleep test!

Best wishes.
by abuss368
Sat Aug 18, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 57
Views: 5444

Re: Edward Jones rep door knocking

Thank you for sharing. We have not experienced that thus far.
by abuss368
Sat Aug 18, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a TIPS fund
Replies: 8
Views: 764

Re: Help me pick a TIPS fund

Welcome to the Bogleheads!

Based on the limited information provided I am unsure if a TIPS bond fund is needed. For example, if you are just beginning (or early in) your career protection from unexpected inflation may not be as important if you have wages which typically adjust every year.
by abuss368
Sat Aug 18, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?
Replies: 28
Views: 1924

Re: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?

Bogleheads -

I am of the opinion that diversification is the only free lunch and is important at any age. Develop a suitable asset allocation based on timeframe, tolerance for risk, and goals.
by abuss368
Sat Aug 18, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 88
Views: 3919

Re: Your major and investing/finance?

* Degree in Accounting

* Degree in Management

* CPA - Certified Public Accountant

I had an interest with investing sine the 6th grade when my mom, who is ex-Merrill Lynch, began to teach me investing.
by abuss368
Sat Aug 18, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 50
Views: 1921

Re: How to Treat "Negative" Basis in Nondeductible IRA

I have never heard of negative basis in terms of an IRA so if this exist that is a new concept to me. Now in terms of a partnership, yes, I have seen negative basis and thus a taxable event when distributions are in excess of basis.
by abuss368
Sat Aug 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 88
Views: 8896

Re: Vanguard predicts 10 year equity returns

just listened to yesterdays clark howard podcast where he talked about vanguards predictions of annual equity returns for the next 10 years. i don't know if this is on their website or not. insert appropriate caveats... domestic 3%-4% international 6%-7% Hi miles monroe - I am unsure how anyone can...
by abuss368
Sat Aug 18, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 4584

Re: How to Underperform the Market

I've been reading articles about how the average investor underperforms the market. The claims usual cite the Dalbar study, and suggest that the average investor loses because their emotions cause them to buy high and sell low, or something to that effect. However, the Dalbar study has been critici...
by abuss368
Sat Aug 18, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7271

Re: Yale vs. Three-Fund

As an alternative you could consider the Three Fund Portfolio or the Core-4 for simplicity and effectiveness. abuss368: Your "alternative" Second Grader Three Fund Portfolio would have been a good choice: MarketWatch has a long-running contest between eight "Lazy Portfolios." The Three-Fund Portfol...
by abuss368
Fri Aug 17, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 55
Views: 4653

Re: Vanguard Switch to Brokerage Accounts

If one transitions to a brokerage account, it is my understanding you can hold mutual funds in the account. You do not need to move to ETFs correct? This appears to be correct. Thanks Abuss. So, I guess that when you own MFs that are wrapped inside a brokerage account you have to play by the rules ...
by abuss368
Fri Aug 17, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 55
Views: 4653

Re: Vanguard Switch to Brokerage Accounts

Believe it or not but as was posted in the last rant thread on Vanguard brokerage vs mutual fund accounts that Vanguard will be transitioning all accounts to brokerage accounts in the near future. I would not be making long tern plans based on the mutual fund structure. However, we also know Vangua...
by abuss368
Fri Aug 17, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7650

Re: Vanguard loses its soul with new website

^^^ Jumping to the top of a new page can do that. Here it is again. (You raise some valid points, but the post belongs in this thread.) Vanguard’s previous website design reflected the values of “Vanguarding” whereas the new Vanguard website design offers soulless minimalism. “Vanguarding” means: 1...
by abuss368
Fri Aug 17, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 55
Views: 4653

Re: Vanguard Switch to Brokerage Accounts

I would not have a problem with brokerage accounts. It does not seem to be anything major. However, the one thing that is preventing us from changing (and thus getting upset) is the brokerage statements. Our mutual fund accounts have year to date statements. We only save a print on statement each y...
by abuss368
Fri Aug 17, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7271

Re: Why the Yale Endowment Hate?

I've been hearing index investors lambasting the Yale model recently. Where is this coming from? It's my understanding that the Yale model is a respected allocation for index investors. Is this allocation no longer any good? Bogleheads argue with the Yale model because David Swensen and Warren Buff...
by abuss368
Fri Aug 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 55
Views: 4653

Re: Vanguard Switch to Brokerage Accounts

I would not have a problem with brokerage accounts. It does not seem to be anything major. However, the one thing that is preventing us from changing (and thus getting upset) is the brokerage statements. Our mutual fund accounts have year to date statements. We only save a print on statement each ye...
by abuss368
Fri Aug 17, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 55
Views: 4653

Re: Vanguard Switch to Brokerage Accounts

Believe it or not but as was posted in the last rant thread on Vanguard brokerage vs mutual fund accounts that Vanguard will be transitioning all accounts to brokerage accounts in the near future. I would not be making long tern plans based on the mutual fund structure. However, we also know Vangua...
by abuss368
Fri Aug 17, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16631

Re: Who uses the 3 fund portfolio ?

ponyboy wrote:
Thu Aug 16, 2018 4:19 pm
I have a 3 fund portfolio minus the international. So really I have a 2 fund portfolio.
Jack Bogle’s Two Fund Portfolio! Simple and effective!!!
by abuss368
Fri Aug 17, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7271

Re: Why the Yale Endowment Hate?

As an alternative you could consider the Three Fund Portfolio or the Core-4 for simplicity and effectiveness.
by abuss368
Fri Aug 17, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7271

Re: Why the Yale Endowment Hate?

I've been hearing index investors lambasting the Yale model recently. Where is this coming from? It's my understanding that the Yale model is a respected allocation for index investors. Is this allocation no longer any good? Bogleheads argue with the Yale model because David Swensen and Warren Buff...
by abuss368
Thu Aug 16, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8284

Re: Any Boglehead powerlifters?

Crunches are silly. Hi corn18 - As noted earlier I read about crunches from Arnold. With the poundages I moved over the years this always worked very well. Especially with any back flare ups. It has been my experience and the experience of other powerlifters and bodybuilders (both professional and ...
by abuss368
Thu Aug 16, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4805

Re: How often do you check your brokerage accounts

RagnarRahl: I do not have a brokerage account. Everything is held directly with Vanguard and in my checking account. I check my Vanguard balance for fraud or mistakes once or twice a year. Never had a problem. Best wishes. Taylor How long do you have to report an account error once it is called to ...
by abuss368
Thu Aug 16, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8284

Re: Any Boglehead powerlifters?

One item I learned over the years with a sore or pulled back: it is usually the result of weak abs. What abdominal exercises are recommended for those with lower back pain? I have avoided abs thinking it is what makes my back sore but that could be all wrong. Crunches with legs up 45 degrees. As yo...
by abuss368
Thu Aug 16, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1844

Re: Sam Zell

To follow up it appears to be mixed thoughts in terms of REITs and the LA Times. It is hard to get your head around exactly what happened.
by abuss368
Thu Aug 16, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1844

Re: Sam Zell

To follow up it appears to be mixed thoughts in terms of REITs and the LA Times. It is hard to get your head around exactly what happened.
by abuss368
Thu Aug 16, 2018 12:08 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1844

Re: Sam Zell

Bogleheads -

What are your updated thoughts os Sam Zell? He recently wrote his first book.

Best.
by abuss368
Wed Aug 15, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16631

Re: Who uses the 3 fund portfolio ?

Bogleheads -

In my opinion the Three Fund Portfolio is very sophisticated and effective strategy. I believe many Bogleheads have this portfolio.

Keep investing simple.

Best.
by abuss368
Wed Aug 15, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 58
Views: 4431

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . In 2008, their low was ~$8.50. Today they're trading $12.xx. I can see it doing 8 unless it goes to zero which means I'll take heat for about 1/3 of my position size. If their old low marks the ultimate bottom. I don't really know...
by abuss368
Wed Aug 15, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 32
Views: 5165

Re: REIT Magazine

MJW wrote:
Tue Aug 14, 2018 11:30 pm
abuss368 wrote:
Tue Aug 14, 2018 8:19 pm
Any updated thoughts to this thread?
I will be interested to see Rick Ferri's new site when it launches and whether his views on REITs have evolved in any way from when he was more active on the BH forum. From recent comments it appears his views are mostly the same.
Agreed.
by abuss368
Wed Aug 15, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 83
Views: 16929

Re: Jack Bogle - Two Fund Portfolio

bikechuck wrote:
Wed Aug 15, 2018 2:11 pm
Vanguard's balanced funds all seem to have more international exposure than I would like.
For investors not happy with the inclusion of international securities in balanced funds, Jack’s Two Fund Portfolio may be an attractive strategy.
by abuss368
Tue Aug 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 39
Views: 3782

Re: REITs - 20% Qualified Income Deduction

TropikThunder wrote:
Mon Aug 13, 2018 7:21 pm
Aren't mutual funds set up legally as corporations?
Bogleheads -

Mutual Funds are considered RIC - Regulated Investment Company.

You can read more here:

https://www.investopedia.com/terms/r/ric.asp
by abuss368
Tue Aug 14, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1052

Re: Holding only VWENX for retirement

Wellington is 100% US. <--- I was wrong, see KlangFool below. Wellington is currently, according to Morningstar , 51.17% US stock and 13.45% international stock, meaning that 21% of its stock holdings are international. That is interesting. I always assumed (incorrectly) that Wellington invested in...
by abuss368
Tue Aug 14, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3176

Re: Larry Swedroe:Don’t Go “Mad Money”

Bogleheads -

I read an interview with David Swensen, Yale University CIO, that he was concerned that investors are betting their financial future and security on Jim Cramer's stock picks.
by abuss368
Tue Aug 14, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3176

Re: The advice of Jim Cramer vs. Jack Bogle

Bogleheads: This is a post written ten years ago: Jack Bogle and Jim Cramer Post by Taylor Larimore » Mon Oct 20, 2008 4:21 pm Hi Bogleheads: I met Mr. Cramer one time. It was during Diehards I in Miami in March 2000--at the peak of a long bull market. Jack Bogle and Jim Cramer were Keynote speaker...
by abuss368
Tue Aug 14, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5868

Re: how much car can we afford?

You should be well aware of what vehicle you can and can not afford.

I would make an educated financial decision and move on.