Search found 12226 matches

by abuss368
Mon Apr 23, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 23
Views: 1490

Re: What to do with extra 50k? Still struggling.

Choices (or combination): 1. Keep it fluid in a CD. (Car, vacations, braces, etc.) 2. Pay down mortgage (3%, 10yr, 130k). 3. Put into kids' 529s (Don't want to over contribute. 55k 9yr old & 65k 11yr old. Will likely go to inexpensive state school). 4. Vanguard Tot US & INT stock funds (taxable). R...
by abuss368
Mon Apr 23, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 23
Views: 1490

Re: What to do with extra 50k? Still struggling.

2) With an eleven year old kid they will likely start college in about seven years. Getting the mortgage paid off by then would free up your "mortgage payment" each month to pay for college costs so indirectly paying off your mortgage does help with the college savings This is a reasonable option i...
by abuss368
Mon Apr 23, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 7
Views: 511

Re: Computershare Transfer Question

I have transferred many securities over the years especially back when trading individual stocks so I can understand the hassle and anxiety. I often called both the broker I was transferring from and also the broker I was transferring too in an attempt to avoid any pitfalls. This always worked well.
by abuss368
Sun Apr 22, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 129
Views: 7173

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

For the record, at this stage in my life and in my education as an index investor, I’m all about keeping it simple. I’m consolidating accounts, cutting the number of funds to a handful, getting my portfolio to where it needs less maintenance. I understand having an allocation to international bonds...
by abuss368
Sun Apr 22, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 129
Views: 7173

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

The part that has me thinking lately is the U.S. companies that are issuing bonds abroad and thus are included in the Total International Index Fund (and not Total Bond Index)?
by abuss368
Sun Apr 22, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 129
Views: 7173

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

Based on LadyGeek’s request, this was my fixed income allocation in the most recent edition of “All About Asset Allocation”: 60% Total Bond Index 20% TIPS 20% High Yield Corporate Rick Ferri Hi Rick - I am I am correct you have recommended this bond allocation for well over a decade and have not ch...
by abuss368
Sun Apr 22, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2138
Views: 1311579

Re: "A successful index fund investor goes through four phases"

Bogleheads: Rick Ferri recently made a post which Three-Fund Portfolio investors will appreciate: A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market return is superior to their return; 3) Complexity - overdoing e...
by abuss368
Sun Apr 22, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 16
Views: 1254

Re: Vanguard Surveys

Anyone else get Vanguard's surveys asking about our views of the future? I tried to give these some thought and answering them until I realized I simply have no clue. I have no idea what the future returns of stocks will be, for example, or what interest rates will look like, and can't even presume...
by abuss368
Sun Apr 22, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Attends Warren Buffett's Shareholder Meeting
Replies: 7
Views: 1541

Re: John Bogle Attends Warren Buffett's Shareholder Meeting

Hi Taylor -

Thank you for sharing that great story of which I was unaware. Inspiring and nice to see Mr. Bogle be recognized by Warren Buffett.

Thanks!
by abuss368
Sat Apr 14, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 113
Views: 9892

Re: "Safe Withdrawal Rates? Complexity vs. Simplicity"

Hi Bogleheads: One of the great mysteries to me are the Great Debates over Safe Withdrawal Rates (SWR). I put Safe Withdrawal Rates into Google and it came up with more than 16,000 hits. One wonders how people managed to retire without knowing their "SWR." Mathematicians love numbers. Fortunately f...
by abuss368
Wed Apr 04, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Speeches - Support the Forum?
Replies: 6
Views: 1075

Re: Jack Bogle Speeches - Support the Forum?

Perhaps a collection of speeches in a book was not a good idea!
by abuss368
Tue Apr 03, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Speeches - Support the Forum?
Replies: 6
Views: 1075

Jack Bogle Speeches - Support the Forum?

Bogleheads - I have an idea which I believe may be very popular and have support with our group. There are books on Amazon such as "Essay's of Warren Buffett" which is a collection of all of Warren Buffett's shareholder letters. Our mentor, Jack Bogle, has many (or all?) of his very educational and ...
by abuss368
Sun Apr 01, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 25
Views: 2108

Re: Do you invest in Real Estate ? Why ?

We have never owned rental property but have thought about it. We have invested in the Vanguard U.S. REIT Index fund and the Vanguard International REIT/RE Index funds.
by abuss368
Sat Mar 31, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4179

Re: Vanguard: Transition to our new investment platform

Blake7 wrote:
Sat Mar 31, 2018 12:03 pm
I would not be surprised if at some point there will be an account fee to stay on the old platform.
Hi Blake7 -

Now that is an interesting observation and one I did not consider. I would suspect you may be correct in time.

Best.
by abuss368
Sat Mar 31, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4179

Re: Vanguard: Transition to our new investment platform

Overall the change (or upgrade) does not appear to be a negative. The one area I can not get past and what would hold up an upgrade for us would be the statements. I print only the year end statement which includes all transactions for the year. I have no interest in printing twelve statements.
by abuss368
Sat Mar 31, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4179

Re: Vanguard: Transition to our new investment platform

RudyS wrote:
Sat Mar 31, 2018 9:30 am
abuss368 wrote:
Fri Mar 30, 2018 11:21 pm
My understanding is that brokerage statements do not provide one simple account statement at year end with all year to date activity noted.
My experience too.
When will this change? Any information?
by abuss368
Fri Mar 30, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4179

Re: Vanguard: Transition to our new investment platform

My understanding is that brokerage statements do not provide one simple account statement at year end with all year to date activity noted.
by abuss368
Fri Mar 30, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4179

Re: Vanguard: Transition to our new investment platform

Is this a brokerage account? Will all accounts eventually be a brokerage account?
by abuss368
Fri Mar 30, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7610

Re: Vanguard in the WSJ today

Taylor Larimore wrote:
Thu Mar 29, 2018 11:25 am

I am also unable to find the story in my Miami WSJ dated Thursday, March 29.

Thank you and best wishes.
Taylor
Hi Taylor -

Is there a Miami WSJ? Is the WSJ not the same regardless of the location in the country? I am curious....
by abuss368
Fri Mar 30, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 14
Views: 1098

Re: Quicken Alternatives

Bogleheads - I have been curious if Quicken for Mac includes the "Mutual Fund Conversion" feature. As such, I did an online chat with their customer support and unfortunately the Mac version does not have this feature at this time. The feature is available for the Windows version only. The customer ...
by abuss368
Fri Mar 23, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 45
Views: 3810

Re: Your favorite Florida beach??

Clearwater and Siesta Key Sarasota.
by abuss368
Fri Mar 23, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 14
Views: 1098

Re: Quicken Personal Finance Software

I wanted to add that I used Quicken for a long time many years ago. I am not familiar with other personal finance programs.
by abuss368
Fri Mar 23, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 14
Views: 1098

Quicken Personal Finance Software

[Thread merged into here, see below. --admin LadyGeek] Bogleheads - What is the best personal finance software you have used and what are your reasons for why you may prefer or like it. If one wanted to track investments only, including the cost basis information, what is generally the recommendati...
by abuss368
Thu Mar 22, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Are Apartment REITS a better diversifier than VG REIT Index?
Replies: 34
Views: 3525

Re: Are Apartment REITS a better diversifier than VG REIT Index?

If you are not interest in the Vanguard U.S. REIT Index Fund and the Vanguard International REIT/RE Index Fund and really want to look into individual REITs and specifically apartment REITs as a subsection, review the biggest: Equity Residential - Sam Zell otherwise known as "The REIT King" and mak...
by abuss368
Wed Mar 21, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Are Apartment REITS a better diversifier than VG REIT Index?
Replies: 34
Views: 3525

Re: Are Apartment REITS a better diversifier than VG REIT Index?

If you are not interested in the Vanguard U.S. REIT Index Fund and the Vanguard International REIT/RE Index Fund and really want to look into individual REITs and specifically apartment REITs as a subsection, review the biggest: Equity Residential - Sam Zell otherwise known as "The REIT King" and ma...
by abuss368
Wed Mar 21, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Are Apartment REITS a better diversifier than VG REIT Index?
Replies: 34
Views: 3525

Re: Are Apartment REITS a better diversifier than VG REIT Index?

With 350,000+ units, Vonovia is much larger by that measure than any similar U.S. REITs, as far as I know. I agree that unusually high yields can be a red flag of danger for REITs. REITs are basically a corporate structure that takes advantage of tax codes. Their financial success is ultimately bas...
by abuss368
Wed Mar 21, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 3592

Re: Home equity as part of retirement plan

I do not include our home equity in any asset allocation or other analysis. How do I rebalance our home again? Once the kids are out, we plan to sell and downsize. The home equity (hopefully paid off at that time) will be used for a small condo and hopefully a small condo in Florida. If there is any...
by abuss368
Wed Mar 21, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate investing/advice/thoughts
Replies: 7
Views: 871

Re: Real estate investing/advice/thoughts

Real estate is the one asset class where there is no perfect investment vehicle. There are three ways to invest in real estate: * REITs * Direct Ownership * Private Partnerships Each has positives and negatives. Have you considered the Vanguard U.S. REIT Index Fund and the Vanguard International REI...
by abuss368
Wed Mar 21, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24889

Re: Where to buy a Vanguard hat? An Update and good news

gigemzach wrote:
Mon Mar 19, 2018 9:35 pm
Just wanted to update that I tweeted Vanguard and they do not have plans to launch an official store online at this time. Connie was great though in getting me a coffee mug!
That stinks! I was hoping they would relaunch the online store and expand the offerings.
by abuss368
Tue Mar 20, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8080

Re: 30-Day Minimalist Challenge

To me it is more of an ongoing lifestyle process and evolution over time. As I look back over the years, I can;t not believe how far it has come.
by abuss368
Tue Mar 20, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8080

Re: 30-Day Minimalist Challenge

I'd say the hardest stuff to get rid of are the sentimental items that stay in boxes in the back of the closet but you feel bad when you attempt to throw them out. Taking pictures of these things really helps so that you can still retain the memories associated with them without having to hoard the...
by abuss368
Sun Mar 18, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 7715

Re: Incredibly sleazy Northwestern Mutual cold caller

That is amazing and just details the power and hype of the Wall Street marketing machine. Unfortunately that may work on many folks who don't know any better.
by abuss368
Sun Mar 18, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 95
Views: 17074

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

I was just surfing on Amazon and I simply can not wait to read this book. I will purchase a hardcover for my shelf!
by abuss368
Sun Mar 18, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book?
Replies: 3
Views: 1262

Re: New Jack Bogle Book?

Yes, since I was interviewed for the article, I saw that reference to his new book. With Jack's age and crazy schedule, you simply can't rush him. It will be out when it's ready. Hi Mel - I had wanted to ask (if possible and allowed :) ) what the overall theme of the book will be: investment, specu...
by abuss368
Sun Mar 18, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

Nobody seems to be concerned about all those stores closing in malls ? Toys R Us and Baby’s R Us ? Some of the larger REITs held in the reit index fund are owners of malls. I don’t see Amazon setting up warehouses in malls. Hi blevine - Yes, the retail challenges are priced into the market already....
by abuss368
Sat Mar 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

This raises a good point: One asset sub-class that Larry does currently endorse, and that wasn't part of his model portfolios from 10 years ago, is international real estate. However, there is a decent rationale likely for the recent addition that is unrelated to current (temporary) market conditio...
by abuss368
Sat Mar 17, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with savings
Replies: 9
Views: 1063

Re: Help with savings

It is hard to see the whole financial picture with the facts presented. As such, don't forget the value of cash. Cash provides security and is there when needed. There is an old saying that "cash is king" and for good measure. Personally, we closed our low yielding savings account with Wells Fargo a...
by abuss368
Sat Mar 17, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 6311

Re: Federal court tosses out fiduciary rule

It is amazing how the mistakes and errors of the past are already forgotten. Until the next time.
by abuss368
Thu Mar 15, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

iceport wrote:
Thu Mar 15, 2018 1:01 pm
Note that no knowledge of valuations was required, nor was any financial advisor or latest article written by Larry Swedroe telling me whether to buy, sell or hold. :wink: All I needed to know was that my passive portfolio was underweight in US REITs.
Simple and works! :sharebeer
by abuss368
Wed Mar 14, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

grok87 wrote:
Wed Mar 14, 2018 7:22 am
According to this green street chart reits are currently trading at a 10.5% discount to the real estate they own.
https://www.greenstreetadvisors.com
Cheers,
Grok
We have been backing up the truck and rebalancing.
by abuss368
Mon Mar 12, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Count Out Commodities
Replies: 51
Views: 6103

Re: Larry Swedroe: Don’t Count Out Commodities

I found Warren Buffett's shareholder letter a few years ago related to commodities and specifically gold very educational and beneficial.
by abuss368
Mon Mar 12, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

We have invested in REITS for a long time. First as individual stocks and now simply the Vanguard U.S. and International REIT Index Funds. This has worked out well and we will stay the course. What does it mean to say something has "worked out well." I don't own any REITs beyond what might be in to...
by abuss368
Sun Mar 11, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global ex-US Real Estate Fund - Fees
Replies: 4
Views: 642

Vanguard Global ex-US Real Estate Fund - Fees

Bogleheads - I am surprised that the Vanguard Global ex-U.S. Real Estate Fund still has a 0.25% purchase and 0.25% redemption fee. The inception date for the fund was 11/01/2010 - over 7 years ago! Does anyone know what factors are reviewed or how Vanguard decides to remove purchase and redemption f...
by abuss368
Sun Mar 11, 2018 1:18 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7146

Re: REITS and Swedroe

We have invested in REITS for a long time. First as individual stocks and now simply the Vanguard U.S. and International REIT Index Funds. This has worked out well and we will stay the course.
by abuss368
Fri Mar 09, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 18725

Re: Books that have actually changed your life, in a way.

“The Making of a Blockbuster” about Wayne Huizenga. Blockbuster, Waste Management, AutoNation Miami Dolphins and much more. Incredible business lessons and story.
by abuss368
Fri Mar 09, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 34
Views: 4500

Re: International Bonds

After reviewing the charts, perhaps that is why Vanguard investment experts have been recommending a two bond fund strategy: Total Bond Index and Total International Bond Index.
by abuss368
Fri Mar 09, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 34
Views: 4500

Re: International Bonds

I thought this thread looked familiar: I started it!
by abuss368
Wed Mar 07, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Commercial Property
Replies: 26
Views: 1713

Re: Inherited Commercial Property

You could always sell the building and invest in Vanguard U.S. REIT Index and Vanguard International index. I think I am going to purchase Vanguard international and add to my total stock market. I've read some negatives about Reits so I think I may stick with Vanguard Total Stock Market and Intern...
by abuss368
Wed Mar 07, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Do I, will I, ever need a bond fund?
Replies: 31
Views: 3789

Re: Do I, will I, ever need a bond fund?

Warren Buffett's mentor Benjamin Graham recommended that investment portfolios have no less than a 25% allocation to bonds.

Bonds lower the volatility of an investment portfolio and also provide an opportunity to rebalance stocks during periods of market distress.