Search found 12973 matches

by abuss368
Sat Dec 15, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 79
Views: 8375

Re: Vanguard Junk Bond fund

Rick, an update may be due based on current yields. As of today, VWEAX 30-Day yield is 6.4%, Interm-Term Investment Grade is 3.75%, and Interm-Term Treasury is 2.71%. It appears the premium for owning credit risk has gone up in last few months. There is a near 4% spread with Treasury, perhaps the m...
by abuss368
Wed Dec 12, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: "How NOT To Beat The Market"
Replies: 15
Views: 2213

Re: "How NOT To Beat The Market"

Bogleheads: When I started investing in 1950 at the age of 26, I thought it would be easy to "Beat the Market." Nearly everything I read about investing was one investment or another promoted by the investment industry that assured market-beating returns. :twisted: Sadly, little has changed. A litt...
by abuss368
Wed Dec 12, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: NPR On Point: Stock Market Distress Signal: How Low-Cost Index Funds Are Taking Over
Replies: 26
Views: 3984

Re: NPR On Point: Stock Market Distress Signal: How Low-Cost Index Funds Are Taking Over

I guess the answer to this is Vanguard 1, Vanguard 2, Vanguard 3, Fidelity 1, Fidelity 2, Fidelity 3, Blackrock 1, Blackrock 2, and Blackrock 3. The Teddy Roosevelt solution. Vanguard already has both a "Vanguard Total Bond Market Index Fund" and a "Vanguard Total Bond Market II Index Fund" (which ...
by abuss368
Fri Dec 07, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

Re: What is your allocation to U.S. and International?

The only allocation investors would need to be concerned with is the allocation between stock and bonds. Once that is arrived at the stocks and bonds could be split 50% US and 50% International. I would think that is the easiest to maintain. Would anyone be surprised if Vanguard investment experts u...
by abuss368
Fri Dec 07, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing capital gains taxes when moving to low-cost funds?
Replies: 26
Views: 3005

Re: Minimizing capital gains taxes when moving to low-cost funds?

6. If you plan to make large charitable donations, make them from securities with large long-term capital gains, rather than cash. I would add: Consider the possibility of making a charitable contribution directly from an IRA (up to $100,000). This may achieve the best of both worlds: 1) a possible...
by abuss368
Fri Dec 07, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing capital gains taxes when moving to low-cost funds?
Replies: 26
Views: 3005

Re: Minimizing capital gains taxes when moving to low-cost funds?

6. If you plan to make large charitable donations, make them from securities with large long-term capital gains, rather than cash. I would add: Consider the possibility of making a charitable contribution directly from an IRA (up to $100,000). This may achieve the best of both worlds: 1) a possible...
by abuss368
Thu Dec 06, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Minimizing capital gains taxes when moving to low-cost funds?
Replies: 26
Views: 3005

Re: Minimizing capital gains taxes when moving to low-cost funds?

6. If you plan to make large charitable donations, make them from securities with large long-term capital gains, rather than cash. I would add: Consider the possibility of making a charitable contribution directly from an IRA (up to $100,000). This may achieve the best of both worlds: 1) a possible...
by abuss368
Thu Dec 06, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693209

Re: U.S. stocks in freefall

The smart money has known the economy has been smoke and mirrors for 18 yrs. robertmcd: Eighteen years ago, on December 1, 2000, the S&P 500 Index was 1,350. Today it closed at 2,696--almost double (without including dividends) The " smart money " is right here by investors using The Bogleheads Phi...
by abuss368
Thu Dec 06, 2018 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 39
Views: 5381

Re: LadyGeek -- the next 10K poster!

LadyGeek -

Well deserved and thank you for you time and efforts to make this the best forum on the internet!
by abuss368
Fri Nov 30, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Business Card
Replies: 0
Views: 425

Jack Bogle Business Card

Bogleheads - Did anyone see that Jack Bogle's business card is for sale on eBay? Opening bid $99.99 and the card is autographed. We simply need to have more bobbleheads made to sell and support the forum and the Jack Bogle Center for Financial Literacy! https://www.ebay.com/itm/LEGENDARY-VANGUARD-FO...
by abuss368
Tue Nov 27, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5334

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Investors as a group overall will benefit.

Thank you Mr. Bogle for leading the crusade to give ordinary investors their fair share!
by abuss368
Mon Nov 26, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

TravelGeek wrote:
Mon Nov 26, 2018 9:11 am
abuss368 wrote:
Mon Nov 26, 2018 9:08 am
Nice but buying at Target (versus Amazon) does not support the Bogleheads!
That’s true, thanks for pointing that out. I’ll add the Target vs Amazon extra savings to my Giving Tuesday check for Bogleheads. :)
:sharebeer
by abuss368
Mon Nov 26, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44768

Re: Bonds - Throw it all on the table!!!

I have not read many posts with Bogleheads investing in Vanguard’s tax exempt index bond fund that was created a couple of years ago.
by abuss368
Mon Nov 26, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

My final price was $16.07, paid with a gift card that earned me 5 Chase UR/$ at Staples. Item(s) Subtotal: $22.45 Shipping & Handling: $0.00 Your Coupon Savings: -$1.38 Books Promotion: -$5.00 Total before tax: $16.07 Estimated tax to be collected: $0.00 Gift Card Amount: -$16.07 Grand Total: $0.00...
by abuss368
Sun Nov 25, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1473707

Re: The Three-Fund Portfolio

I've just finished reading this 47-page thread after starting a few days ago. Brilliant! Thank you, Mr. Larimore, for everything you've put into this and doing it with such grace and wisdom. Did I read correctly that you saw combat in the Battle of the Bulge? You are doubly a hero to us all. tpsome...
by abuss368
Sun Nov 25, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

$34.95? :moneybag As a Kindle ebook?? Seriously? Did Jack hand-print these himself? The hardcover is less expensive than the Kindle? :confused Color me confused. I think it was in another thread where someone explained that this would likely change soon. It may also have been about Taylor’s Three F...
by abuss368
Sun Nov 25, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

nedsaid wrote:
Sun Nov 25, 2018 11:51 am
abuss368 wrote:
Sun Nov 25, 2018 11:38 am
I believe Mr. Bogle mentioned this will be his last book.
That is what he said the last time. Sort of like Sinatra, just can't retire. We'll see.
I know! There was an interview where Jack laughed at that saying the last 4 or 5 books were the last.
by abuss368
Sun Nov 25, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 23
Views: 4922

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

The more I read about the topic the more confusing it is. Should bonds/bond index funds be held in taxable or tax-deferred accounts. There is a lot of advice available. There are arguments for all types of strategies. The important part is most Bogleheads agree on the overall philosophy such as low...
by abuss368
Sun Nov 25, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

I believe Mr. Bogle mentioned this will be his last book.
by abuss368
Sun Nov 25, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44768

Re: Bonds - Throw it all on the table!!!

I have thought about International Bonds but am unsure. Vanguard Total Bond Index includes foreign bonds issued in U.S. Dollars and Vanguard Total International Bond includes U.S. companies issuing bonds in other currencies.

We are a global economy and business world.
by abuss368
Sun Nov 25, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 17077

Re: Do you need to invest mostly in stocks to get rich?

There are different definitions of being "rich" thrown around here. Me, I think I'm rich right now, because I don't worry about money any more. But if "rich" means $10 million plus, I'll never be "rich", because I will stop making money long before I get to that point. Because I'll have "enough" at...
by abuss368
Sun Nov 25, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Top ten recommended books on personal investing
Replies: 26
Views: 3010

Re: Top ten recommended books on personal investing

What %'s do you recommend for the three aforementioned funds? E.g. 60% US stock market fund, 30% bond fund, 10% international fund Your asset allocation is the most important investment decision you will make. The allocation is based on each investors goals, timeframe, and tolerance for risks. The ...
by abuss368
Sun Nov 25, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Top ten recommended books on personal investing
Replies: 26
Views: 3010

Re: Top ten recommended books on personal investing

As a follow up I recommend all of Jack Bogle's books. I have every one in hardcover on our shelf and refer to them as needed.
by abuss368
Sun Nov 25, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Top ten recommended books on personal investing
Replies: 26
Views: 3010

Re: Top ten recommended books on personal investing

I recently read a finance blogger had read over 150 books on personal investing. That's impressive! I am asking for your top ten favorites. I am currently reading The Little Book of Common Investing by Mr. Bogle. What books on personal investing should I read next? Hi esmac - A few of my favorites ...
by abuss368
Sun Nov 25, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3899
Views: 1090135

Re: What Movie Have You Recently Watched?

"Kill the Irishman" on Netflix. A true story about Danny Greene and the wars in Cleveland, OH during the 1970's that involved the Irish and the Italians. The war was responsible for members of the five families in New York being indicted.
by abuss368
Sun Nov 25, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3899
Views: 1090135

Re: What Movie Have You Recently Watched?

"221" with Nicholas Cage on Netflix. The movie was ok.
by abuss368
Sun Nov 25, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

Re: What is your allocation to U.S. and International?

asif408 wrote:
Sun Nov 25, 2018 8:25 am
10% US/90% international
Hi asif408 -

Is your post correct? You allocate 90% to international stock?

Best.
by abuss368
Sun Nov 25, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1473707

Re: Re:

Why are things so simple to others but so difficult for me? :confused Am I not understanding something? It is probably new to you as you continue on your journey. I would recommend a good book(s). A few of my favorites that really taught me a lot are: * John Bogle "The Little Book of Common Sense I...
by abuss368
Sat Nov 24, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

Re: What is your allocation to U.S. and International?

jalbert wrote:
Sat Nov 24, 2018 7:25 pm
Is there any reason to expect this discussion to contribute anything not already covered in other threads, such as:

viewtopic.php?t=196956
Thank you for your thoughts and perspective. :beer
by abuss368
Sat Nov 24, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

Re: What is your allocation to U.S. and International?

Approximately 50/50 per asset class, given that I use VT (total world ETF) for equity, and a 50/50 mix of BND/BNDX for bonds. If I were starting today, I would use BNDW (total world bond) instead. My Equity to Fixed Income ratio is 70/30. With the interconnected financial world that we have today, ...
by abuss368
Sat Nov 24, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44768

Re: Bonds - Throw it all on the table!!!

i use TBM in tax deferred and intermed term and LT term tax exempt in taxable. The concept of tax efficient fund placment is flawed in high tax brackets since tax equivalent muni yields are really good, and one would have to pay taxes on index fund dividends. I wish that wiki would be revised more....
by abuss368
Sat Nov 24, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44768

Re: Bonds - Throw it all on the table!!!

I believe it is fair to say that Bogleheads employ many different strategies in terms of bonds in their portfolios. I am of the opinion that whether an investor invests in one or more bond funds, the end result is probably close to the same over the long term. Would this be a fair and reasonable as...
by abuss368
Sat Nov 24, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44768

Re: Bonds - Throw it all on the table!!!

Has anyone changed their bond allocation with he increase in interest rates? Is anyone worried about a bond selloff?

We have stayed the course with Total Bond Index and Intermediate Term Tax Exempt.

Thoughts and perspectives welcome!
by abuss368
Sat Nov 24, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

Re: What is your allocation to U.S. and International?

... I would think a 50%/50% allocation is a true Boglehead portfolio ... Does a "true Boglehead portfolio" involve advice inspired by Jack Bogle? What allocation would disqualify a portfolio from being a "true Boglehead portfolio" ? Good point. I have edited my original post to remove "...true Bogl...
by abuss368
Sat Nov 24, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7278

What is your allocation to U.S. and International?

Bogleheads - In relation to the never ending debate of portfolio allocation, I am interested in thoughts on the allocation between U.S. and International stocks and bonds. Are there Bogleheads who allocate 50% to U.S. and 50% to International? This could include both domestic and international stock...
by abuss368
Sat Nov 24, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

Bogleheads -

I have ordered Mr. Bogle's book on Amazon (through our website - to support the Jack Bogle Center for Financial Literacy) and am excited to read the book!

Thank you to the Bogleheads for sharing the coupon code.

Best.
by abuss368
Wed Nov 21, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 for Mac
Replies: 13
Views: 1404

Re: Quicken 2019 for Mac

The last reply to this thread was a month ago. Anyone have any experience with Quicken 2019 for Mac since then? I'm especially interested since I'm still using Classic YNAB (no desire to use nYNAB) on my Mac but that will stop working with the next major macOS release, so I need to find an alternat...
by abuss368
Tue Nov 20, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 6409

Re: Warren Buffett Books

Jazztonight wrote:
Sat Nov 10, 2018 11:36 pm
When I visited Omaha 4 years ago I had a friend drive me around, including Buffett's home and neighborhood. Thanks to Buffett and the other companies headquartered in Omaha, it's a very clean and livable city.
Interesting. Thanks!
by abuss368
Tue Nov 20, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Full page ad in WSJ - https://indexingonsteroids.com/
Replies: 8
Views: 1649

Re: Full page ad in WSJ - https://indexingonsteroids.com/

Interesting - no international and no bonds.
by abuss368
Tue Nov 20, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17266

Re: Vanguard lowering Admiral level to $3,000?

This is a share class conversion not a sell/buy transaction. There would be no fees or tax liability (in a taxable account). These have been going on forever with Vanguard and other fund company's share classes. You can even convert some Vanguard mutual funds to their ETF share classes. Heck, You c...
by abuss368
Tue Nov 20, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17266

Re: Vanguard lowering Admiral level to $3,000?

I just hung up with Vanguard tonight. One of my questions was related to one of the funds that had the Admiral share minimum lowered with this announcement: Vanguard ex-U.S. Global Real Estate Index Fund (i.e. International REITs and RE). This fund still has a purchase and redemption fee of 0.25%. ...
by abuss368
Mon Nov 19, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17266

Re: Vanguard lowering Admiral level to $3,000?

I just hung up with Vanguard tonight. One of my questions was related to one of the funds that had the Admiral share minimum lowered with this announcement: Vanguard ex-U.S. Global Real Estate Index Fund (i.e. International REITs and RE). This fund still has a purchase and redemption fee of 0.25%. T...
by abuss368
Sun Nov 18, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1491

Re: Dropping TIPS?

TIPS tend to be more volatile than nominal Treasuries. This caught many Bogleheads members by surprise in 2008, even though the volatility was normal given the average duration. If I understand correctly, this caused some prominent members, including one of our leaders Taylor Larimore, to drop TIPS...
by abuss368
Sun Nov 18, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5853

Re: "Stay The Course" by John Bogle

Can’t wait! We plan to purchase through on Amazon via Bogleheads to support our great website!
by abuss368
Sat Nov 17, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1491

Re: Dropping TIPS?

TIPS tend to be more volatile than nominal Treasuries. This caught many Bogleheads members by surprise in 2008, even though the volatility was normal given the average duration. If I understand correctly, this caused some prominent members, including one of our leaders Taylor Larimore, to drop TIPS...
by abuss368
Sat Nov 17, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 34
Views: 1885

Re: Water-Sewer line insurance

I have heard of this insurance and I would not buy it. That said in our prior home we had a pipe break outside. The plumber chopped out the cement and replaced the section of pipe for about $1,000. The plumber told me this was a rare event. My folks were offered the insurance by the local water uti...
by abuss368
Sat Nov 17, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 34
Views: 1885

Re: Water-Sewer line insurance

I have heard of this insurance and I would not buy it. That said in our prior home we had a pipe break outside. The plumber chopped out the cement and replaced the section of pipe for about $1,000. The plumber told me this was a rare event.
by abuss368
Sat Nov 17, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: Old Investment Articles & Interviews
Replies: 11
Views: 984

Re: Old Investment Articles & Interviews

Taylor gave me really good advice. He mentioned that he does not have enough time to keep up with today’s news let alone reread old news! Perhaps Taylor will see this thread. Thank you Taylor! Couldn't agree more with Taylor. My investing performance has actually improved since I stopped paying att...
by abuss368
Fri Nov 16, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Old Investment Articles & Interviews
Replies: 11
Views: 984

Re: Old Investment Articles & Interviews

Bogleheads -

This thread (and low response rate) was actually very beneficial. I would assume from the low level of responses many Bogleheads do not save old investment articles on their computer or in paper format.

Thanks!
by abuss368
Fri Nov 16, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Retirement Emergency Fund; How Much to Keep Very Liquid?
Replies: 17
Views: 1510

Re: Retirement Emergency Fund; How Much to Keep Very Liquid?

That is a very personal decision based on your individual comfort and needs.

Do you have a risky job? Do you need additional peace of mind? Would you sleep better at night? Could you raise cash in an emergency?

We have a Vanguard Prime Money Market fund that holds cash.