Search found 12341 matches

by abuss368
Thu May 24, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 683

Re: Quicken Alternatives

Thank you for listing alternatives. It appears that Quicken is probably the most well know and used program.
by abuss368
Thu May 24, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's new posting rules
Replies: 16
Views: 1055

Re: Morningstar's new posting rules

cfs wrote:
Wed May 23, 2018 11:20 pm
There are about 30 forums in M* including Vanguard and Bogleheads. There is activity in "some" of the forums, plus readers drop by to check articles, portfolio x-ray, quotes, use the charts. Good luck with or without M* y gracias por leer / cfs
I was not aware there are that many forums.
by abuss368
Thu May 24, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 683

Quicken Alternatives

Hi Bogleheads - In relation to another thread that I started regarding Quicken, my question is what other alternatives are there in personal finance software that allows the user to record and keep tract of cost basis? Does Mint do this as well? Personal Capital? My reading of these programs (of whi...
by abuss368
Wed May 23, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's new posting rules
Replies: 16
Views: 1055

Re: Morningstar's new posting rules

Bogleheads: As a long-time poster on the Morningstar Vanguard forums (26,446 posts), I was surprised that I was unable to make a post to help answer a question. Accordingly, I wrote to Morningstar and this was their reply: Thank you for writing to Morningstar. We have recently made few important se...
by abuss368
Wed May 23, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2115

Re: Quicken - Do you use it?

jebmke wrote:
Wed May 23, 2018 3:47 pm
I use Quicken 2012 but only to track the cost basis for all my taxable assets.
Are any of the Quicken alternatives able to calculate cost basis?
by abuss368
Tue May 22, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3316

Re: Bogle featured in Barrons cover story

Bogleheads: I agree with Mlebuf, the co-author of my first book. I have known Jack Bogle personally for many years. I never once heard him talk about the fantastic growth of Vanguard, the number of employee, the number of funds he started, or even the huge number of investors he has helped. One nig...
by abuss368
Tue May 22, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2115

Quicken - Do you use it?

Bogleheads - I am interested in everyone's thoughts regarding Quicken and if they use (or don't use) the personal finance software. Why do you use (or not use) the program? What value does it bring? Do you use it for your entire financial picture or just your investment portfolio? I am interested in...
by abuss368
Tue May 22, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3023

Re: Vanguard Announces Plans To Launch Total World Bond ETF

guyesmith wrote:
Tue May 22, 2018 2:40 pm
cfs wrote:
Mon May 21, 2018 10:38 am
Here we go, get ready for the Two-Funder
-- Total World Stock
-- Total World Bond
I bet ya this is the future of Vanguard Target Date Retirement Funds.
I have thought about this for a while. The question then is would all the “total” funds have expense ratio increases?
by abuss368
Mon May 21, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3023

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Is there a foreign tax credit with the bond fund? If so would this present a problem like Total International Stock did when it was a fund of funds?
by abuss368
Sun May 20, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Parents
Replies: 12
Views: 1331

Re: Help Me Help Parents

Thanks for the input, all. We are not going to do an annuity - going to have further discussions about putting me somewhat in control of their finances and distributions. Not sure if we will accomplish that with a trust - tbd - need to talk it over. I was thinking along the same lines that perhaps ...
by abuss368
Sun May 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Parents
Replies: 12
Views: 1331

Re: Help Me Help Parents

You could place the $40,000 into a money market fund. I would be concerned that they have no savings. Could the IRA be placed in an all in one Target fund?
by abuss368
Sun May 20, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 58
Views: 7123

Re: $1,700,000 from family trust...

Wouldn't it be the same if OP paid off the debt and then reinvested the income and remaining principal? Also, the interest on the mortgage and credit cards quite likely exceeds the earnings on the investments. I'd pay off all debt and invest the balance. Gill The yield should be stable. Taking $130...
by abuss368
Sun May 20, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 58
Views: 7123

Re: $1,700,000 from family trust...

I am new to the Boglehead forum but after reading quite a lot of the Q&A I believe I am woefully in need of this forums expertise. I am to receive (in approx. 60 days) $1,700,000 from my parents trust. My wife and I are both 57 yrs old and plan to continue to work until age 62. I have a small amoun...
by abuss368
Sun May 20, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Municipal Money Market VMSXX 1.39%
Replies: 76
Views: 7267

Re: Vangaurd Municipal Money Market VMSXX 1.39%

am wrote:
Sun May 20, 2018 8:46 am
Do you know if sec yield of short term muni is more stable than muni money market? I switched to muni mm at sec yield of 1.55 and now its 1.33 and dropping
I do not know. The yield for the Prime Money Market fund has been increasing and is presently 1.86%.
by abuss368
Sun May 20, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9460

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

He never mentions Treasury inflation-protected securities (TIPS). He never says why. Are his comments supposed to apply to TIPS, too, or only to nominal bonds? I don't know. AFAIK he hasn't said. I've followed Buffett for a long time and don't recall him ever specifically addressing TIPS, but I fee...
by abuss368
Sun May 20, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13311

Re: I’m still not a fan of international bond funds

Bonds drive me crazy! We're non-USA persons who invest like USA Bogleheads. We're always playing "catch up" with our USA person counterparts. I'm completely comfortable with owning just ONE FTSE all world equity ETF (LSE:VWRD) that covers 90% of the world's investable securities for our equity allo...
by abuss368
Sun May 20, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Municipal Money Market VMSXX 1.39%
Replies: 76
Views: 7267

Re: Vangaurd Municipal Money Market VMSXX 1.39%

How about the Vang. Short term muni fund as a replacement for the money market at high brackets? The yield for short term muni is 1.76% and the price has fluctuated about 1% over the year. There’s also no frequent trading restriction as far as I know. You could do this however this would involve a ...
by abuss368
Sat May 19, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Municipal Money Market VMSXX 1.39%
Replies: 76
Views: 7267

Re: Vangaurd Municipal Money Market VMSXX 1.39%

We moved to Vanguard Prime Money Market last summer and this has worked well.
by abuss368
Sat May 19, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1266

Re: International -- VXUS or slice and dice?

We have invested in Vanguard Total International Stock and Vanguard's International REIT/RE Index fund for many years. International is 40% of our equities overall. Total International is 28% and Total International Real Estate is 12%. How was that calculated? Of the 40% overall, real estate is 30% ...
by abuss368
Sat May 19, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 666

Re: Vanguard Year End Tax Forms

grabiner wrote:
Sat May 19, 2018 4:22 pm
You might need the 5498 for a Roth IRA, as proof of your contributions if you withdraw before 59-1/2.
That is the only situation I could think of. The taxable accounts would not be a factor.
by abuss368
Sat May 19, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 47212

Re: "Why 97% of People Don't Use 529 College Savings Plans."

We opened college 529 plans many years ago with our state. We eventually moved the assets to Vanguard and selected a simple all in one target fund. Vanguard has continued to lower the cost of the plan. From a planning aspect, I like having the funds allocated and invested for the specific purpose of...
by abuss368
Sat May 19, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: "Keep it Simple With Index Funds"
Replies: 8
Views: 1823

Re: "Keep it Simple With Index Funds"

Taylor -

Thank you for sharing.
by abuss368
Sat May 19, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 666

Re: Vanguard Year End Tax Forms

I wanted to add to my original post: is there a situation outside of a Traditional IRA with nondeductible contributions, where the historical Form 5498's may be needed?
by abuss368
Sat May 19, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9460

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

Alexa9 wrote:
Sat May 19, 2018 1:26 pm
Buffet wants everyone to drive up Apple's stock price for obvious reasons. He is a little less slimy than Icahn.
Ouch. He always presents himself well on CNBC.
by abuss368
Sat May 19, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9460

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

The financial crisis taught a really valuable lesson. And that is, bonds provided: 1) safety, and more importantly 2) a pool of assets that were available to rebalance to stocks. In hindsight, staying the course was the best decision we made.
by abuss368
Sat May 19, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9460

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

There is a big difference between what Berkshire Hathaway invests in and what an individual should invest in. I believe this has historically been a problem for many investors to grasp. Many investors believe that investing in the companies Mr. Buffett does will yield the same results. Nothing coul...
by abuss368
Sat May 19, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 76
Views: 9460

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

visualguy wrote:
Sat May 19, 2018 12:07 am
rjb112 wrote:
Fri May 18, 2018 10:21 pm
So what should we invest in besides stocks?
Direct real estate - rental properties.
What about REITs - U.S. and International?
by abuss368
Sat May 19, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 666

Vanguard Year End Tax Forms

Bogleheads - I have been disposing of old prior year tax returns. I am aware of the 3, 6, and unlimited tax rules in terms of what tax returns could be subject to examination. My question is related to the tax returns that have been disposed: Has anyone ever retained all the Vanguard year end tax fo...
by abuss368
Thu May 17, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Microcap Stock Screener
Replies: 21
Views: 1413

Re: Microcap Stock Screener

Rick Ferri wrote:
Wed May 16, 2018 4:47 pm
Eric,

My response:

Total Stock Market Index Fund

and forgetaboutit.
:sharebeer
by abuss368
Thu May 17, 2018 9:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9013

Re: Yes, I'm 89 all right! [Jack Bogle]

To My Wonderful Bogleheads, Taylor and Mel both sent me the posts that so many of you kindly made on my 89th birthday. It was a thrill to read them, and I thank each one of you for remembering the date of May 8, shared by Harry S Truman, among many others. I’m beginning to age a bit, and stumbled t...
by abuss368
Thu May 17, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13311

Re: I’m still not a fan of international bond funds

Bobcat2, You might want to modify or delete your post because nowhere does it show I recommend emerging market bonds. Also, for the record, I no longer own or manage an investment firm. Rick Ferri Rick, totally off topic, but didn't you divest your firm and hit the road for awhile? It's good to see...
by abuss368
Thu May 17, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Simple Index Fund Question
Replies: 12
Views: 1034

Re: Simple Index Fund Question

I can add to our Vanguard mutual funds in as little as $10 (I never tried a lower amount) with no problem. I always thought additional investments were $100 minimum but I guess not. The minimum additional purchase is $1 for the Total Stock Market fund and I assume most (all?) funds would be the sam...
by abuss368
Thu May 17, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4162

Re: Bed Bugs

I would simply go the napalm route! That will take care of them.
by abuss368
Thu May 17, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Rates are going up. Should I pull $ out of Munis?
Replies: 10
Views: 985

Re: Rates are going up. Should I pull $ out of Munis?

If tax exempt bonds are a part of your overall investment portfolio strategy then stay the course. Market timing does not work. Over the long term you will be fine and actually better with the fund yielding a higher rate.
by abuss368
Thu May 17, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Simple Index Fund Question
Replies: 12
Views: 1034

Re: Simple Index Fund Question

Every share represents a share of the whole package. You get the whole index if you buy just a single share. You are not actually holding a stock portfolio directly, you're holding a share in an "investment company" that holds a stock portfolio. They hold whole shares themselves, and just do the ma...
by abuss368
Thu May 17, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Simple Index Fund Question
Replies: 12
Views: 1034

Re: Simple Index Fund Question

each share of a mutual fund or ETF represents a portion of the entire fund I think QQQ tracks the NASDAQ 100. So 1 share of QQQ will have each of those 100 companies built into it. Do you mean each share of an underlying company that the mutual fund owns represents a portion of the overall mutual f...
by abuss368
Thu May 17, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Simple Index Fund Question
Replies: 12
Views: 1034

Re: Simple Index Fund Question

I would continue your investing education with this forum and reading a few good books. When ready, I would consider a few total market index funds.
by abuss368
Thu May 17, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7570

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) ...
by abuss368
Thu May 17, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13311

Re: I’m still not a fan of international bond funds

It seems to me that the pinnacle of the Boglehead philosophy would be a two-fund portfolio consisting of Total World Stock and Total World Bond, both market capped. It's the ultimate solution to 'nobody knows nuthin'' and I don't really see a rational alternative. How wrong am I? +1. Not wrong at a...
by abuss368
Sun May 13, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3030
Views: 933136

Re: What Book Are You Currently Reading? Part VI

I just finished Sam Zell’s first book “Am I Being Too Subtle”. I enjoyed it.
by abuss368
Sun May 13, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3938

Re: Three fund portfolio performance

New to this site. I have participated in the three fund portfolio for two years and have yet to see any gains. Just a one time gain then a complete loss of the gain and part of original principal. Kind of disappointing. I could have gone to the casino for that kind of action. Hi Sonic - Welcome to ...
by abuss368
Sun May 13, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6665

Re: Doubling Your Money

I am unsure of any predictive model that works or that you would want to rely on to base financial decisions.

I would simply focus on establishing goals, developing an asset allocation, selecting low cost investments, and stay the course.

Over time this will work best for you and your family.
by abuss368
Sun May 13, 2018 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day
Replies: 4
Views: 448

Re: Happy Mother's Day

I want to wish all of our Boglehead mothers a very Happy Mother's Day. While we guys may not express our appreciation for all you do on a regular basis, at the very least we can do is take one day a year to do what we should do every day. Hi Mel - Well said. Happy Mother's Day to all the mom's! Enj...
by abuss368
Sun May 13, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1005745

Re: What Movie Have You Recently Watched?

"Broken" with Sir Anthony Hopkins on Netflix. I enjoyed it.
by abuss368
Sun May 13, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 65
Views: 4716

Re: Advice on building a timeless mens wardrobe?

cherijoh wrote:
Sun May 13, 2018 9:45 am
All the guys hung up their suit jackets in the closet - then had problems figuring out whose jacket was whose since all 8 or 9 of them had worn a gray suit for the dog and pony show.
Priceless.
by abuss368
Sun May 13, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Asset allocation in Roth vs pre-tax
Replies: 19
Views: 1529

Re: Asset allocation in Roth vs pre-tax

Not when it come to taxes. You have to consider best strategy for taxable/pre-tax/roth separately If you expect 5% return on asset1 and and 8% on asset2, putting one in pre-tax in the other in roth maximizes your return. This is even considering RMD The challenge with this strategy is no one know i...
by abuss368
Sun May 13, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11189

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Here is a link to an article dated 2012 regarding Vanguard and specifically banking:

https://www.reuters.com/article/us-vang ... 1Q20120712
by abuss368
Sun May 13, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 82
Views: 11189

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

We have been long time Vanguard investors. A couple of years ago we consolidated our banking and simplified everything with Wells Fargo. However, as time moved on, we closed a savings account with Wells Fargo and instead have a higher yielding money market fund with Vanguard. Well Fargo for us is no...