Search found 13147 matches

by abuss368
Sun Jan 20, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 66
Views: 2868

Re: Grocery shopping strategy

We have Costco, Weis, Wegmans, Aldi, Whole Foods, and Giant near us.
by abuss368
Sun Jan 20, 2019 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison QSPIX?
Replies: 19
Views: 914

Re: Jettison QSPIX?

You may need to look at your overall investment portfolio. I would consider a few total market index funds and then stay the course.

Keep investing simple. The enemy of a good plan is the search for perfect plan.
by abuss368
Sun Jan 20, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 61
Views: 15709

Re: Why I left Wealthfront

Congrats on moving forward on your own path. There are many simple portfolios that you can use or perhaps an all in one Lifestrategy or Target fund with Vanguard.

Keep investing simple.
by abuss368
Sun Jan 20, 2019 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Highest Guaranteed Return Investment for My 75 Year-Old Dad?
Replies: 22
Views: 1379

Re: Highest Guaranteed Return Investment for My 75 Year-Old Dad?

Many times with family, the best option is to stay out or put them in touch with a qualified advisor. Vanguard offers services. This way should the markets sell off, they will not hold you accountable.
by abuss368
Sun Jan 20, 2019 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Highest Guaranteed Return Investment for My 75 Year-Old Dad?
Replies: 22
Views: 1379

Re: Highest Guaranteed Return Investment for My 75 Year-Old Dad?

A guaranteed return? That limits options to CDs, Savings Accounts, Money Markets.
by abuss368
Sun Jan 20, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 14
Views: 1252

Re: Getting rid of Silverfish?

I would consider napalm.
by abuss368
Sun Jan 20, 2019 5:16 pm
Forum: Investing - Theory, News & General
Topic: The recent market move in context
Replies: 16
Views: 2227

Re: The recent market move in context

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course. This time will not be different! Not really. The most important decision is living below your means. A new investor can just put his or her money in target date fund and become multi-m...
by abuss368
Sun Jan 20, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 66
Views: 2868

Re: Grocery shopping strategy

Has anyone ever watched those coupon shows where the folks leave the store for pennies with shopping carts? Insane.
by abuss368
Sun Jan 20, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 111
Views: 9243

Re: Tributes to Jack Bogle

[Please post your tributes to Jack here. --admin LadyGeek] RIP Jack Bogle and thank you for all that you have contributed to the success of individual investors. Definitely an amazing man and amazing mind for finance. I just thought I would start something where we could share our favorite quotes o...
by abuss368
Sun Jan 20, 2019 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt and Asset Location?
Replies: 13
Views: 896

Re: Then and now.

Taylor Larimore wrote:
Sun Jan 20, 2019 11:35 am
OldSport:

I came across this ancient article by Jason Zweig. I've found his words to be as true now as they were then. I hope you like it.

https://money.cnn.com/2001/08/29/investing/Zweig/

Best wishes
Taylor
Thank you for sharing the article!
by abuss368
Sun Jan 20, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: The recent market move in context
Replies: 16
Views: 2227

Re: The recent market move in context

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course. This time will not be different! Exactly, but when investing during a long bull people get comfortable. They’re willing to take the risks because, even with small corrections, the mark...
by abuss368
Sun Jan 20, 2019 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1663

Re: For those with both Vanguard and Schwab

Is there any reason to have an account at both? For those who do, is there something one gives the other does not? Moving our investment portfolio to Vanguard and consolidating everything was the best financial decision we ever made. In my opinion investors would be wise to consolidate for the many...
by abuss368
Sun Jan 20, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: The recent market move in context
Replies: 16
Views: 2227

Re: The recent market move in context

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course.

This time will not be different!
by abuss368
Sun Jan 20, 2019 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1663

Re: For those with both Vanguard and Schwab

Vanguard doesn’t have a checking account (for most clients). There were rumors years ago (and I believe survey's) about Vanguard exploring entering the banking business. If you are interested there are articles online. Could one only imagine the possible impact to the banking industry if the invest...
by abuss368
Sun Jan 20, 2019 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 39
Views: 1663

Re: For those with both Vanguard and Schwab

Is there any reason to have an account at both? For those who do, is there something one gives the other does not? Moving our investment portfolio to Vanguard and consolidating everything was the best financial decision we ever made. In my opinion investors would be wise to consolidate for the many...
by abuss368
Sun Jan 20, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Ever heard of "Floating island" strategy?
Replies: 18
Views: 2226

Re: Ever heard of "Floating island" strategy?

While reading financial advisor magazine the other day glanced over an article talking about financial advisors earning the trust of billioner investors. One particular term picked my interest: "Communicating your proficiency at asset protection planning only the super-rich can use, such as the “fl...
by abuss368
Sun Jan 20, 2019 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Pls advise on the deployment of 3 fund portfolio, Thank you!
Replies: 7
Views: 629

Re: Pls advise on the deployment of 3 fund portfolio, Thank you!

Hi all! I am newbie in stock investment. I am in my early 40s and have a 401k from previous company. The current company does not offer 401K. So I plan to set up a traditional IRA for 2018 and 2019 using Vanguard, which means I will put $11000 in the account. I know about the 3 fund strategy from t...
by abuss368
Sun Jan 20, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: IRS Form 8606
Replies: 14
Views: 1199

Re: IRS Form 8606

Withdrawals from a traditional IRA or conversions from a tIRA to a Roth will require a form 8606 if and only if there is non-deducted basis in the tIRA (line 14 (in recent years) of part I of the last form 8606 you filed.) Hi Epsilon Delta - Is this correct? I converted from a Traditional IRA to a ...
by abuss368
Sun Jan 20, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Roth IRA Basis Ordering Rules
Replies: 6
Views: 347

Re: Roth IRA Basis Ordering Rules

What about Recharacterized Contributions? I believe these are considered Regular Contributions correct? Example: A $5,000 contribution during tax year to a Traditional IRA. January of subsequent year the $5,000 plus related $600 of growth are converted by Vanguard to Roth IRA. This is reported on F...
by abuss368
Sat Jan 19, 2019 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 723

Re: Bonds In Taxable Account

BolderBoy wrote:
Sat Jan 19, 2019 10:14 pm
abuss368 wrote:
Sat Jan 19, 2019 10:06 pm
Sure. Vanguard Intermediate Term Tax Exempt is a very good choice.
I agree with this (and am doing it myself.)
I have invested in the fund for a long time. It has done the job.
by abuss368
Sat Jan 19, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 53
Views: 3381

Re: How much money does one need to setup a private S&P 500 fund?

No way to beat Vanguard’s costs. Total Stock is 0.04!
by abuss368
Sat Jan 19, 2019 10:13 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2580

Re: So when do you sell?

Warren Buffetts favorite period is forever. That is good advice.
by abuss368
Sat Jan 19, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3706

Re: What is a Boglehead funeral/burial?

Jokes aside, I am planning to have ashes spread in ocean. No desire to go in the ground.
by abuss368
Sat Jan 19, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3706

Re: What is a Boglehead funeral/burial?

Shot into space like Mr. Spock!
by abuss368
Sat Jan 19, 2019 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 723

Re: Bonds In Taxable Account

Tatala wrote:
Sat Jan 19, 2019 9:31 pm
IN the two fund portfolio, I have 50% in Total Stock Portfolio. Would you put the balance in a Muni Fund?

Thanks
Welcome to the Bogleheads!
by abuss368
Sat Jan 19, 2019 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 723

Re: Bonds In Taxable Account

Sure. Vanguard Intermediate Term Tax Exempt is a very good choice.
by abuss368
Sat Jan 19, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: Further diversifying the 60/40 portfoilio?
Replies: 29
Views: 3349

Re: Further diversifying the 60/40 portfoilio?

Hi Everyone, Thanks to this group I have had the luck to learn the science and art of passive investing and have been using the 60/40 portfolio for a while (Vanguard Total Stock + Total Bond Index Funds). However, two things (**) prompted me to think about further diversifying the current asset all...
by abuss368
Sat Jan 19, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: What do you think about this 5 Fund portfolio vs 3 Fund one ?
Replies: 9
Views: 1281

Re: What do you think about this 5 Fund portfolio vs 3 Fund one ?

What do you think about this 5 Fund portfolio vs 3 Fund one ? ===================================================== Thanks for your replies to my threads. As I reviewed this piece, I thought of sharing here. Take Buffett’s Advice: 5 Vanguard Funds to Buy' https://investorplace.com/2019/01/5-vanguar...
by abuss368
Sat Jan 19, 2019 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt and Asset Location?
Replies: 13
Views: 896

Re: Bernstein and Ferri Current Recommendations

Finally, be careful with reading older books by Bernstein, Ferri, and others. They have sort of changed their minds in the past few years. Livesoft: Bill Bernstein's last book was "If You Can." He recommends The Three-Fund Portfolio without "tilting." RIck Ferri currently recommends The Three-Fund ...
by abuss368
Sat Jan 19, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4051
Views: 1102296

Re: What Movie Have You Recently Watched?

Taken 3. Enjoyed it.
by abuss368
Sat Jan 19, 2019 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 214
Views: 15047

Re: Why are you NOT buying rental properties?

My real estate exposure if Vanguard U.S. REIT Index and Vanguard International REIT Index. A lot of diversification and cash flows from dividends. In addition, the goal is to eventually pay off the house. Free and clear. Someday the plan is to downsize using the paid off home and perhaps purchase a ...
by abuss368
Sat Jan 19, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43516

Re: John Bogle has died at age 89

Bogleheads - I have watched Vanguard's video tribute multiple times on their website. They included Amazing Grace which always gets you. Well done and what a life of a remarkable honest to god man. Always helping others and making the world, and the people he interacted with, better. God Bless you M...
by abuss368
Sat Jan 19, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 74
Views: 4155

Re: What active management stock funds would you own?

Rob54keep wrote:
Sat Jan 19, 2019 5:53 pm
I own some in Wellington, Wellesley and PrimeCap
We invested in Wellington many years ago before moving to all index funds. We had it in a taxable account at the time. While not the best from a tax perspective, investors could do much worse.
by abuss368
Sat Jan 19, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 74
Views: 4155

Re: What active management stock funds would you own?

What about John Bogle Jr.'s Small Cap Fund?

Has anyone ever invested in the fund?

https://boglefunds.com
by abuss368
Sat Jan 19, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10214

Re: Are You Dumping Netflix?

No chance! It is fine that the fee increased a couple bucks. We also use Hulu with live TV for $39 a month. Cut the cable cord a couple of months ago. Now Apple TV for the hardware.

Television is much more rewarding.
by abuss368
Sat Jan 19, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 62
Views: 2812

Re: How do you keep a calendar?

I never kept a paper calendar in my life. I actually used to keep it all in my head! Now we simply use Apple's calendars and "invite" the family so it appears on all devices. Have done this for years. It is easy and works.
by abuss368
Sat Jan 19, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2580

Re: So when do you sell?

Toons wrote:
Sat Jan 19, 2019 11:40 am
I rarely sell shares.
I enjoy the dividends and capgains they payout.
Heirs will receive shares.
:happy
This is the strategy we are trying to build to for retirement some day!

Thank you for sharing.
by abuss368
Sat Jan 19, 2019 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 214
Views: 15047

Re: Why are your NOT buying rental properties?

In the past 24 months, I too have done nothing on my rental properties... Other than pay for 4 months of vacancies plus $4500 in deferred maintenance/repairs on one. In the past 12 years I've also paid 6 months vacancies, plus eviction fees, plus repairs when a nurse trashed my place after not payi...
by abuss368
Sat Jan 19, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: Does Microcap add diversification to Total Stock Market Index fund?
Replies: 20
Views: 1476

Re: Does Microcap add diversification to Total Stock Market Index fund?

If you had invested in DFSCX from inception until now, you would have needed to stay the course throughout fifteen years of underperformance before seeing any light. So the next question is "how do I stay the course?" It is actually very difficult to do so even in something as simple as "percentage...
by abuss368
Sat Jan 19, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3178
Views: 616849

Re: What's Your Credit Card Rewards Strategy?

We started a new one. Since our real estate taxes have never been escrowed, I stopped having the monthly rewards credited to the checking account. Letting them build up and will pay one bill completely and a large amount (or more) of the second. I simply "escrow" the remaining school taxes. Helps wi...
by abuss368
Sat Jan 19, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: Does Microcap add diversification to Total Stock Market Index fund?
Replies: 20
Views: 1476

Re: Does Microcap add diversification to Total Stock Market Index fund?

In Rick Ferri's book All About Asset Allocation he mentions that Micro-cap stocks tend to be mutually exclusive from most broad U.S. equity benchmarks, and their performance tends not to correlate highly with the rest of the market. This creates a diversification benefit. He states its difficult to...
by abuss368
Sat Jan 19, 2019 3:58 pm
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 44
Views: 4953

Re: The Worth Of A Man: A Tribute To John C. Bogle

Fallible wrote:
Thu Jan 17, 2019 7:34 pm
Also, while reading your tribute Rick, I was nodding in agreement all the way until I got to your line: “Rest in peace, Jack. You’ve done enough.” And I thought, yes, he has done enough, but would he ever have agreed to that?
No chance!
by abuss368
Sat Jan 19, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 44
Views: 4953

Re: The Worth Of A Man: A Tribute To John C. Bogle

Good column. You know you're the closest thing we have left to someone like Jack right? Big shoes to fill. No pressure. Could not agree more. Rick Ferri has taught me so much. Very knowledgable and resourceful. Out of all the advisors on our forum over the years Rick has clearly been my favorite. I...
by abuss368
Sat Jan 19, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Basis Ordering Rules
Replies: 6
Views: 347

Re: Roth IRA Basis Ordering Rules

What about Recharacterized Contributions? I believe these are considered Regular Contributions correct? Example: A $5,000 contribution during tax year to a Traditional IRA. January of subsequent year the $5,000 plus related $600 of growth are converted by Vanguard to Roth IRA. This is reported on F...
by abuss368
Sat Jan 19, 2019 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 214
Views: 15047

Re: Why are you NOT buying rental properties?

When I was working, I was too busy to buy rentals. So I invested in RE through Limited Partnerships, in Multifamily, Office, storage, retail and development deals. I also had a short career in commercial estate for small boutique Private Equity companies that acquired retail, office or multifamily....
by abuss368
Sat Jan 19, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Basis Ordering Rules
Replies: 6
Views: 347

Re: Roth IRA Basis Ordering Rules

What about Recharacterized Contributions? I believe these are considered Regular Contributions correct? Example: A $5,000 contribution during tax year to a Traditional IRA. January of subsequent year the $5,000 plus related $600 of growth are converted by Vanguard to Roth IRA. This is reported on F...
by abuss368
Sat Jan 19, 2019 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 38
Views: 2946

Re: Should I dump our wealth planner/financial advisor?

Nearly two decades ago, with a small inheritance, a growing family, and me leaving the full-time workforce to go freelance, I no longer had time to peruse the money magazines and financial pages and so outsourced this job to a financial-planning firm. Not only do they manage our portfolio, which is...
by abuss368
Sat Jan 19, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 74
Views: 4155

Re: What active management stock funds would you own?

None. Moved all to index many years ago and will stay the course.
by abuss368
Sat Jan 19, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Basis Ordering Rules
Replies: 6
Views: 347

Roth IRA Basis Ordering Rules

Bogleheads - My understanding is basis does not need to be tracked if you only have a Roth IRA and take any distributions after age 59 1/2 that would be qualified. For any other types of distributions the ordering rules apply. 1) Regular Contributions 2) Conversion Contributions (this is the full am...
by abuss368
Sat Jan 19, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: IRS Form 8606
Replies: 14
Views: 1199

Re: IRS Form 8606

A related question: I am over 59.5 and my Roth has been funded for over 5 years. I may still do a conversion from traditional IRA, and of course, I may take a distribution. Do I ever need to file another 8606? --vtMaps I would expect that if you have a conversion from the Traditional IRA to a Roth ...