Search found 13081 matches

by abuss368
Thu Jan 17, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 22
Views: 5002

Re: Jack Bogle's Obituary From The Family

I did read this earlier Mr. Bogle's blog. Our country lost a good man today.

God Bless you and your family Mr. Bogle.
by abuss368
Thu Jan 17, 2019 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11356

Re: Why are you NOT buying rental properties?

We have invested in Vanguard REIT Index and Vanguard International REIT Index and plan to stay the course. This has worked well.
by abuss368
Thu Jan 17, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 23
Views: 3896

Re: The Bogle Rule

Well said Rick! :beer
by abuss368
Thu Jan 17, 2019 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11356

Re: Why are you NOT buying rental properties?

Can one make money with direct real estate? Sure. Can one make money investing in stock and bond markets? Sure. Only time will tell which was better. At the end of the day any investor needs to have a complete understanding of the investment from a risk, reward, and cost perspective.
by abuss368
Thu Jan 17, 2019 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11356

Re: Why are your NOT buying rental properties?

So $800 k vs. $320 k. That is a big difference! Average house appreciate is 3.7% - so bring the sale price to $770,000 . Average cost to sell a house is 6%, so now you are at $725,000 Depreciation over 18 years needs to be recaptured. The original purchase price decreased from $400k to $213, making...
by abuss368
Thu Jan 17, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 806
Views: 38551

Re: John Bogle has died at age 89

We lost a great one today! The legacy, teachings, and leadership of John C. Bogle will forever live on by continuing to guide many of us as well as future generations to come. Jack crusade was to make a difference for the little guy. He did just that. May we all honor and celebrate Jack's life and a...
by abuss368
Mon Jan 14, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101227

Re: What Movie Have You Recently Watched?

"13 Hours" on Hulu related to the Libya situation and the Ambassador. I enjoyed the film.
by abuss368
Mon Jan 14, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

The tax treatment is, in fact, the same. Read the tax code. It may appear not to be since REITs take on much less leverage than your average small investor, so they have much more cash flow and less interest expense to offset it with. But you can borrow and offset REIT dividends with your own inter...
by abuss368
Mon Jan 14, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7259

Re: Vanguard Brokerage Accounts

We really don't need ALL statement -- only one complete YTD statement for each year like we used to get. Hi Mel - That is what I was thinking. In my opinion it would be ideal for Vanguard to provide and retain one year to date statement. This statement would be available forever when signing into y...
by abuss368
Sat Jan 12, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7259

Re: Vanguard Brokerage Accounts

Now, under the new system, you have to keep the entire year's worth of statements if you want a true YTD of all transactions. No you don't. You can get all the transactions downloaded in several formats and print it if you want. But those formats do not include the "year to date statement". I just ...
by abuss368
Sat Jan 12, 2019 10:38 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 158
Views: 12552

Re: Around 43K in dividends last year - feel good about it ?

Toons wrote:
Fri Jan 11, 2019 1:12 pm
Enjoy your dividends and cap gains
Everyone should have such issues....feeling good :mrgreen:
Well said. :sharebeer
by abuss368
Sat Jan 12, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 158
Views: 12552

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. How can you get that lower and thus have a lower tax bite? This income stream did NOT make your total return less negative than it would have been otherwise. In fact it probably made it worse because the taxes had to be paid from somewhe...
by abuss368
Sat Jan 12, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 158
Views: 12552

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. :beer
by abuss368
Sat Jan 12, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 158
Views: 12552

Re: Around 43K in dividends last year - feel good about it ?

That is awesome. I look at our total dividends at the end of the year. It is a nice feeling when it increases from the prior year. Almost psychological.
by abuss368
Sat Jan 12, 2019 10:30 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

This statement is false. The dividends that you earn on a REIT you will pay short or long capital gains taxes on. I've been investing real estate for over 11 years and despite consistently netting more than $5,000 of income into my bank account each and every month, I have still yet to pay taxes on...
by abuss368
Sat Jan 12, 2019 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8069

Re: My favorite Boglehead posters

:oops: I did not see any mention of a few of my favorite posters from days gone bye. Adrian Neu, imbroglio, and chaz. (I'd suspect both imbro & chaz still visit.) Thx Admin, & mods for all you do. Overlooking the oodles and oodles of investing & financial info and life's minutia & insights many, ma...
by abuss368
Sat Jan 12, 2019 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8069

Re: My favorite Boglehead posters

Where is YDNAL?
by abuss368
Sat Jan 12, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2679

Re: Vanguard Statements - Print or Electronic

I have not received a mailed copy in over a decade. Come on Bogleheads, keep the investment costs low!
by abuss368
Sat Jan 12, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4459

Re: Should I get umbrella liability insurance?

StevieG72 wrote:
Sat Jan 12, 2019 3:02 pm
I just pulled the trigger on an umbrella policy. Should have done this earlier but better late than never!

For my situation 1 driver household a 1 mill policy is $153 per year with Geico.
:sharebeer
by abuss368
Sat Jan 12, 2019 10:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7259

Re: Vanguard Brokerage Accounts

Now, under the new system, you have to keep the entire year's worth of statements if you want a true YTD of all transactions. No you don't. You can get all the transactions downloaded in several formats and print it if you want. But those formats do not include the "year to date statement". I just ...
by abuss368
Sat Jan 12, 2019 10:21 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

I don’t know many financial advisors still working in their 60s, personally. As for your points, they are the same tired arguments real estate investors always make up post hoc to try to justify what they already decided. Of course REIT investors get the same tax advantages: do the math. The only d...
by abuss368
Sat Jan 12, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

I don’t know many financial advisors still working in their 60s, personally. As for your points, they are the same tired arguments real estate investors always make up post hoc to try to justify what they already decided. Of course REIT investors get the same tax advantages: do the math. The only d...
by abuss368
Sat Jan 12, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

That has nothing to do with what I said. Please re-read. I said "what about diversification?". Having one rental properties is not diversified. Your repairs will not be a predictable 5% of anything. You might be lucky and spend a lot less than average, or you might be unlucky and pay a lot more tha...
by abuss368
Sat Jan 12, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

What about diversification? I would be terrified to own a property and then have a major repair. Repair costs are factored into your analysis. 5% repair 5% vacancy 8% property management cost (whether or not you manage yourself) of gross rents, if it still cash flows then you have a great investmen...
by abuss368
Sat Jan 12, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

All it buys you is the ability to ratchet risk up and down, but there are plenty of ways to achieve that with securities, so it’s not a net gain for RE investors. Of course REITs are “investing in real estate”and to suggest otherwise is absurd. The securitized nature of REITs adds a layer of liquid...
by abuss368
Sat Jan 12, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

I don't know why the performance of REITs during the tech bubble is relevant, since they don't always help during a stock market collapse; 2008 is of course a prime example when real estate did not do so well. I would guess it is a matter of diversification where asset classes perform differently b...
by abuss368
Sat Jan 12, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

A related factor has been the structural decline of US retail. The market caps of those REITs may now be so low that they basically don't impact the performance of the index, any more. There is a lot of good real estate and REIT articles that show while retail has been evolving, many retail REITs a...
by abuss368
Sat Jan 12, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

My observation having owned REITs since 2000 is that they benefit when rates are falling and struggle when rates are rising. The “yield” paid out as distributions competes to some degree with other investments. As rates fall, that yield becomes more attractive, driving REIT prices up. This is my ex...
by abuss368
Sat Jan 12, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

My advice - own real property. Better returns, second to none tax incentives, more control, wealth building legacy. REITs aren't worth the paper they are printed on IMHO. A lot of investors would disagree. There are two schools of thought related to REIT investors: a) the direct real estate folks c...
by abuss368
Sat Jan 12, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4295

Re: Are REITs better to purchase when interest rates are high or low?

No investment should be market timed. This is a flawed strategy and there is a lot of evidence to support that.

REITs (or any investment) should be a part of your investment portfolio if the strategy and approach calls or it in all types of markets.
by abuss368
Sat Jan 12, 2019 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or stocks to IRA?
Replies: 9
Views: 401

Re: Bonds or stocks to IRA?

I know that conventional wisdom dictates we place bond funds in IRA tax deferred accounts. However if VGIX is earning 9% over five years and VBILX is earning 1.97%over five years, does it make sense To put the growth stock in the IRA. Welcome to the Bogleheads! There are two strategies available an...
by abuss368
Sat Jan 12, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: fed funds rate effect bond funds?
Replies: 8
Views: 333

Re: fed funds rate effect bond funds?

There are three problems, all due to oversimplifications. The first is the Fed only sets the Federal Funds Rate, as you said, the target for overnight loans between creditworthy banks adjusting their bank reserves to conform with regulations. Another is the Fed does not set bond yields at all. A fr...
by abuss368
Sat Jan 12, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: fed funds rate effect bond funds?
Replies: 8
Views: 333

Re: fed funds rate effect bond funds?

Ive been hearing everywhere that if the fed raises rates say 1% then a 20 year bond fund (TLT in this case) should have its price go down 20%, and if rates go down 1% then TLT should go up 20%. from my research Ive found this is pure balony. the fed funds rate and interest rates have little to noth...
by abuss368
Sat Jan 12, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 1932

Re: NYC restaurant hidden gems?

Not sure but the last time we visited Little Italy had a lot of great food.
by abuss368
Sat Jan 12, 2019 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I hold $250K?
Replies: 15
Views: 2488

Re: Where do I hold $250K?

Hi All I’ve been a member for many years and have benefited from sound advice on asset allocation which I have religiously followed all these years. We are selling our house and moving to Seattle to pursue a new job opportunity. The company is offering relocation (corporate housing, storage, transf...
by abuss368
Sat Jan 12, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4459

Re: Should I get umbrella liability insurance?

Questions -Should I get umbrella liability insurance in case I get sued and someone comes after my retirement assets? I do not have rental insurance. In addition, I do not have home insurance since I do not own a home. I only have car insurance. Stats Emergency funds: yes (6 months) Debt: 0 Do not ...
by abuss368
Sat Jan 12, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 5750

Re: Who has the highest allocation to international stocks?

Cap weight is a moving target. Approximately 50% U.S. and 50% International. If the actual at any point in time is 55% U.S. / 45% International or 45% U.S. / 55% International, it would make no difference. We are dancing on the head of a needle. Vanguard investment experts presently recommend 40% o...
by abuss368
Fri Jan 11, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4577

Re: Vanguard explains the increase in ex-us allocation

I can confirm Tim said this (I watched the interview as well). He was referencing how over time the international portion of funds (like target date, lifestrategy, etc) has moved from 20% to 30% and now 40%. This has coincided with the lowering of costs to invest internationally. Thank you for clar...
by abuss368
Fri Jan 11, 2019 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investing In Treasuries
Replies: 3
Views: 446

Re: Investing In Treasuries

I'm looking to allocate a portion($50-100K) of my fixed income to U.S. Treasuries. I'm 72 years old and my total investment portfolio is $900K with a 56% in equities, 38% fixed income and 6% cash. 95% of the portfolio is in an IRA (actually a combo...my IRA and my wifes). Appreciate any suggestions...
by abuss368
Fri Jan 11, 2019 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited individual stock. Should I sell it now or wait?
Replies: 28
Views: 2271

Re: I inherited individual stock. Should I sell it now or wait?

I forgot to mention in my earlier post:

Own a few index funds and move forward.

Keep investing simple.
by abuss368
Fri Jan 11, 2019 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited individual stock. Should I sell it now or wait?
Replies: 28
Views: 2271

Re: I inherited individual stock. Should I sell it now or wait?

I am sorry for your loss. To answer your question, Jack Bogle has often said that most people should not own individual stocks.

Why search for the needle in the haystack when one can buy the haystack.
by abuss368
Fri Jan 11, 2019 6:59 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Results
Replies: 11
Views: 885

Re: Backtesting Results

I am 37 years old. I am generally following the current AA, at the moment: 67% U.S. Equity 13% Intl Equity 20% Total US Bond Thank you I think you have a very simple and sophisticated investment portfolio. The portfolio is low cost and very diversified. The most important decision an investor will ...
by abuss368
Fri Jan 11, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2352
Views: 1488340

Re: The Three-Fund Portfolio

Taylor, Just a quick note on a nit in The Bogleheads Guide to the Three-Fund Portfolio . On page xxi, note 1, the word Yachts is missing from the title. I just received the book yesterday and its been a great read so far. Thanks for sharing your knowledge. Best wishes, JB aka Localhero I have heard...
by abuss368
Thu Jan 10, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com
Replies: 10
Views: 1534

Re: Mint.com

I never used Mint but looked into it. I would not provide the passwords to any financial websites. In my opinion that is too high of a risk. I used Quicken for 10 years but stopped using it a decade ago. I simply did not see the point any longer. Vanguard's website and statements provide all the inf...
by abuss368
Thu Jan 10, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4459

Re: Should I get umbrella liability insurance?

Umbrella insurance is very cheap and in my opinion everyone should have it. If there is ever a need you will be happy you did.
by abuss368
Thu Jan 10, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8368

Re: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]

In my opinion this is excellent news. I am happy to hear Vanguard taking a stand against such speculation and trying to protect investors from themselves!
by abuss368
Thu Jan 10, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: Realty Shares
Replies: 1
Views: 242

Re: Realty Shares

I am not aware of much with them. I would consider Vanguard U.S. REIT and Vanguard International REIT moving forward.
by abuss368
Thu Jan 10, 2019 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund in retirememt
Replies: 5
Views: 464

Re: Two fund in retirememt

They are both active funds which exposes the investor to manager risks. The overall asset allocation could be more difficult to manage and provide more limited tax loss harvesting opportunities. I guess investors could definitely do a lot worse. I would prefer Jack Bogle's Two Fund Portfolio instead...
by abuss368
Thu Jan 10, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65019

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

You will need a high deductible health care plan (as defined by the IRS) to have an HSA.
by abuss368
Thu Jan 10, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 638

Re: Newspapers / News Subscriptions

Wall Street Journal in print. I don't need anything else.