Search found 12432 matches

by abuss368
Sun Jul 22, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2205
Views: 1371264

Re: The Three-Fund Portfolio

Question, what would happen to a three fund portfolio if inflation picked up? It has no tips, Commodities nor does it have a lot of real estate. Anyone? In my opinion the Three Fund Portfolio would be fine over time. In terms of Total Bond, older bonds would mature and exit with new bonds at higher...
by abuss368
Sun Jul 22, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 39
Views: 3207

Re: Short versus Intermediate Term Bond

Nothing in OP's post has convinced me of the superiority of short term bonds for the long term investor. I plan to stay the course with my intermediate term bonds. There have been informative articles over the past few years showing how investors who selected a short term bond fund or cash equivale...
by abuss368
Sat Jul 21, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: "4 Reasons Why We Overcomplicate Investing"
Replies: 20
Views: 2349

Re: "4 Reasons Why We Overcomplicate Investing"

"The financial services industry. Quite frankly, my industry is not only a powerful force because it is for-profit; it is the most powerful force because it controls the narrative. Advisers probably couldn’t charge you a whole lot for this simplicity since you could likely do it yourself. So we bui...
by abuss368
Sat Jul 21, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: "4 Reasons Why We Overcomplicate Investing"
Replies: 20
Views: 2349

Re: "4 Reasons Why We Overcomplicate Investing"

A very good article! Let's keep spreading the message of our mentor, Jack Bogle's, investment advice!
by abuss368
Sat Jul 21, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 39
Views: 3207

Re: Short versus Intermediate Term Bond

Thank you, how often are the dividend typically reinvested? I am new to the total bonds funds (previously used target date funds for this) and my balances have been falling this year. My lack of knowledge is part of the reason I am looking for other types of funds to supplement the bond portion of ...
by abuss368
Sat Jul 21, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 22
Views: 2348

Re: Property tax + deductions

I am trying to better plan our savings for this year. Can someone shed some light on how deductions work with property taxes. We live in a VHCOL area and our property taxes are rather high. It is ~30k on a 2.5 million house. Do we get to write off a portion of our property taxes? What are some ways...
by abuss368
Sat Jul 21, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get a mortgage if retiring?
Replies: 21
Views: 2648

Re: Can I get a mortgage if retiring?

I am unsure and I have wondered about this as well. I am interested in this thread.
by abuss368
Sat Jul 21, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 39
Views: 3207

Re: Short versus Intermediate Term Bond

Bonds returns are impacted by credit and term. With bonds higher yield almost always means higher risk.

Keep investing simple!
by abuss368
Fri Jul 20, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 122
Views: 12474

Re: Why not go 100% stocks?

I'm relatively young, 35, and plan to work for the next two decades. I'm in a dual physician household and enjoy working and being productive. I don't really enjoy site-seeing and traveling as much. My household income is approximately 900K with approximately 120K of annual expenses. My question is...
by abuss368
Fri Jul 20, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account decision
Replies: 7
Views: 834

Re: Bank account decision

We simplified our banking a year ago. The result: one simple checking account and for the first time ever no savings account.

In my opinion you could probably have one checking for personal and one checking for your rental business.
by abuss368
Fri Jul 20, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 22
Views: 2348

Re: Property tax + deductions

I am trying to better plan our savings for this year. Can someone shed some light on how deductions work with property taxes. We live in a VHCOL area and our property taxes are rather high. It is ~30k on a 2.5 million house. Do we get to write off a portion of our property taxes? What are some ways...
by abuss368
Fri Jul 20, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6411

Re: How do you handle the urge to DO something?

The most important investment lessons I have learned are to "stay the course" and "keep investing simple"!
by abuss368
Fri Jul 20, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6411

Re: How do you handle the urge to DO something?

The Boglehead philosophy is to decide on your long term investment strategy, allocate your assets accordingly and then do nothing outside of an annual rebalance for the next 20/30/40/50+ years. That is difficult for me because I am a doer, I have to struggle daily to just leave it. My brain knows i...
by abuss368
Fri Jul 20, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13054

Re: Saving 20% of paycheck isn't enough

Bogleheads - I have always calculated the amount we save and invest as a percentage of gross income and not net income. Each year I take a few minutes to calculate and increase. We always look for opportunities to improve our financial lives. In my opinion this is easy and necessary in order to one ...
by abuss368
Fri Jul 20, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 39
Views: 3207

Re: Short versus Intermediate Term Bond

Vanguard shows that the Short Term Bond ETF (BSV) has an estimated YTM of 2.8 years and a duration of 2.7 years, while the Intermediate Term Bond ETF (BIV) has an estimated YTM of 3.4% but a duration of 6.4 years. Given thyat it is a given that the Fed will continue increasing short term rates, why...
by abuss368
Fri Jul 20, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: InvestorPlace: Best Vanguard Funds for the Second Half of 2018
Replies: 5
Views: 1244

Re: InvestorPlace: Best Vanguard Funds for the Second Half of 2018

https://investorplace.com/2018/07/7-best-vanguard-funds-for-the-second-half-of-2018/ Interesting speculation. Hi bluerafters - Many years ago when I was caught up into believing I was smarter than the market and traded individual stocks I subscribed to a lot of investment newsletters. In fact it wa...
by abuss368
Fri Jul 20, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30288

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

stemikger wrote:
Mon Jul 09, 2018 11:05 am
I just finished reading Taylor's new book and all I can say is, it is one of the best out there. I also wrote a review on Amazon and it is worthy of every one of those 5 stars!!
Hi stemikger -

Taylor's theme hits home over and over again: Keep investing simple!
by abuss368
Sun Jul 15, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley Wealth Management
Replies: 8
Views: 1047

Re: Morgan Stanley Wealth Management

Bogleheads: Several years ago I accompanied a wealthy investor who was invited to be a customer in Morgan Stanley Wealth Management Service. We enjoyed a nice lunch and persuasive marketing by two Bank officers. Fortunately my friend decided to use Vanguard's Personal Advisor Services which recomme...
by abuss368
Sun Jul 15, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Re: Financial Newspapers & Publications

I am curious with Barron's which I believe is owned by Dow Jones.
by abuss368
Thu Jul 05, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Fundrise vs. Vanguard REIT ETF
Replies: 10
Views: 1112

Re: Fundrise vs. Vanguard REIT ETF

This article was written by Fundrise!
by abuss368
Thu Jul 05, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Indiv. REITs in taxable because of new tax law? Aargh!
Replies: 15
Views: 2174

Re: Indiv. REITs in taxable because of new tax law? Aargh!

This was a helpful thread. In another thread I recently asked the same question (unaware of this thread at the time). I suspect it will be determined once final regulations are provided.
by abuss368
Wed Jul 04, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 7
Views: 1049

Re: REITs - 20% Qualified Income Deduction

I am not surprised by no responses thus far as I believe this may be unheard of with the tax act. Highly complex.
by abuss368
Wed Jul 04, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 7
Views: 1049

REITs - 20% Qualified Income Deduction

Bogleheads - As the IRS regs will be written for the new tax code I have read conflicting reports regarding the 20% income deduction related to REIT dividends. My questions: 1) Is this deduction available for REITs (in a taxable account of course)? 2) If the 20% deduction is available for REITs, is ...
by abuss368
Wed Jul 04, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4222

Re: Will I ever be able to itemize?

I don't understand how you may be "screwed". You simply take the $24,000 standard deduction. I have prepared thousands of tax returns over the years.
by abuss368
Wed Jul 04, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5974

Re: Any Boglehead powerlifters?

Powerlifted and bodybuilding for many years - 25 plus. I ended with a 450 bench press in competition. I used to "play and toy" with the squat and deadlift as it was hard for a 6' guy. My squat was 450 or so and 560 - 600 deadlifts. I could only imagine if I trained those over time like the bench. Be...
by abuss368
Wed Jul 04, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1624

Re: Evaluating New Job Offer

My concern is that 3 hours a day commuting will tire and you may not last long.
by abuss368
Wed Jul 04, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Simple target date question.
Replies: 25
Views: 1519

Re: Simple target date question.

As an alternative you could invest in a couple (or few) index funds and create the investment portfolio you want asset allocation wise and a lower cost.
by abuss368
Wed Jul 04, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2259

Re: bonds or bond funds?

As Taylor has so often said "stocks let us eat well and bonds let us sleep well.
by abuss368
Wed Jul 04, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2259

Re: bonds or bond funds?

I don't understand bond funds, so my 401k contributions go into a stock fund. I'm thinking about diversifying. I'd like to make sure that $$ going into bonds will make make gains. Since bond funds can lose money, I shy away from them. I'm not sure if I can buy bonds directly (with, say, 5k). I'm mo...
by abuss368
Wed Jul 04, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5397

Re: Rodents ate my car!

We experienced mice eating certain cables under the hood of a vehicle. It was winter and cold. Thus the mechanic stated this can occur when the rodents are looking for heat and warmth from the elements.
by abuss368
Wed Jul 04, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 51
Views: 5577

Re: Fidelity cash position

While I am not familiar with Fidelity's investment offerings, Vanguard's Prime Money Market Fund is yielding 2.04% presently.
by abuss368
Wed Jul 04, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30288

Re: "The Wisdom of Elders: Bogleheads' Three Fund Portfolio"

Bogleheads: Steve Nelson, a CPA in the Seattle area, sent me this review of The Bogleheads' Guide to the Three-Fund Portfolio: The Wisdom of Elders: Bogleheads' Three Fund Portfolio Thank you, Steve! Best wishes. Taylor Hi Taylor - A very nice blog post on your new book "The Bogleheads Guide to the...
by abuss368
Wed Jul 04, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30288

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

htdrag11 wrote:
Wed Jul 04, 2018 3:54 pm
The casino industry and Wall Street have one thing in common: the winners are the houses, not the customers if you "play their games" instead of using low cost indexing funds. There are very few winners.
Well said!
:sharebeer
by abuss368
Wed Jul 04, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: When is ok to change your IPS?
Replies: 21
Views: 1234

Re: When is ok to change your IPS?

Hi IowaFarmBoy - I have never prepared an Investment Policy Statement as I did not have a need. However, this document is very important for many investors. I would recommend simplicity as a core and guiding principle. Many investors would be well served by holding a few index funds and staying the ...
by abuss368
Wed Jul 04, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Re: Financial Newspapers & Publications

I read the WSJ to keep abreast of the general market in terms of deals happening in the near future which may interest me to investigate further. The FT I don't read just because it's basically redundant information but geared to europeans. Weeklies are much more opinionated and very hit and miss, ...
by abuss368
Sun Jul 01, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4587

Re: Why is warren buffet okay with no owning any bonds?

Grt2bOutdoors wrote:
Sun Jul 01, 2018 10:27 am
Did you know Berkshire Hathaway energy is the second largest provider of energy produced from wind and solar? It costs him 5.5 cents a kWh, he sells it for 8 cents a kwh- think about that level of cash flow.
I was not aware of that. Interesting and one can only imagine the cash flows!
by abuss368
Sat Jun 30, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4587

Re: Why is warren buffet okay with no owning any bonds?

Bonds are dangerous to who? Buffet never elaborates, nor does he discuss risk tolerance, nor does go into detail as to why they are dangerous. Buffet does not manage investments for individuals as does an Registered Investment Advisor or a Certified Financial Planner (RIA, CFP). Everyone has a diff...
by abuss368
Sat Jun 30, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8279

Re: Do you invest in Real Estate ? Why ?

I recall reading an interview where Jack Bogle mentioned that 99% of his wealth was invested in Vanguard funds and his son's active small cap fund. It is my understanding that Mr. Bogle has never invested directly in real estate.
by abuss368
Sat Jun 30, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30288

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

Bogleheads -

I received a copy yesterday and can not wait to start reading. Thank you Taylor for your amazing contributions and sharing of wisdom over the years!

I am certainly a better investor for it and plan to share the knowledge I gained with others!

Best.
by abuss368
Sat Jun 30, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Re: Financial Newspapers & Publications

A lot of good information and thoughts.

Thanks again!
by abuss368
Sat Jun 30, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1183

Re: Vanguard's Investment Research

Read very little of it. If one catches my attention, I might browse it or read conclusions. This, and that doesn't happen much anymore. Very true and I am starting to feel the same way. One of the benefits of a low cost total market portfolio is the simplicity. One does not need to read research re...
by abuss368
Thu Jun 28, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1183

Re: Vanguard's Investment Research

sabtastic wrote:
Thu Jun 28, 2018 7:29 am
heartwood wrote:
Thu Jun 28, 2018 7:24 am
Would you suggest how to find the reports? I searched their site for research reports and found nothing.
Their website is hard to navigate. I have it bookmarked:

https://investor.vanguard.com/investing ... t-research
I agree as there is a lot on the website.
by abuss368
Thu Jun 28, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Re: Financial Newspapers & Publications

I have been reading The Wall Street Journal and REIT Magazine (which I am questioning the need).
by abuss368
Wed Jun 27, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1183

Re: Vanguard's Investment Research

I am specifically referring to the Investment Counseling White/Red Papers on the website.
by abuss368
Wed Jun 27, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Investment Research
Replies: 9
Views: 1183

Vanguard's Investment Research

Bogleheads -

Vanguard publishes a lot of investment research such that it is hard to keep up with it all. Do you read all the research reports that they publish? In addition, do you save them electronically for future reference?
by abuss368
Wed Jun 27, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Re: Financial Newspapers & Publications

vanguard.com/research periodically has interesting white papers Hi Artsdoctor - Vanguard publishes a lot of investment research such that it is hard to keep up with it all. Do you read all the research reports that they publish? In addition, do you save them electronically for future reference?
by abuss368
Wed Jun 27, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2674

Financial Newspapers & Publications

Hi Bgoleheads - I am curious how many folks read or subscribe to various financial and investment newspapers and publications such as: The Wall Street Journal, Barron's, Businessweek, Forbes, and so forth. Where do you get your financial "porn" from? Digital or print? I ask this question from the co...
by abuss368
Wed Jun 27, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in 40's?
Replies: 4
Views: 548

Re: TIPS Fund in 40's?

In my opinion one investment grade bond fund that is short or intermediate term is all that is needed. We are dancing on the head of a pin.

Keep investing simple.
by abuss368
Wed Jun 27, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in 40's?
Replies: 4
Views: 548

Re: TIPS Fund in 40's?

TIPS were a lot more popular as a investment a decade ago. Very prevalent on this forum and I believe Vanguard had more TIPS in their funds at one point. That has essentially changed to a two fund bond allocation of Total Bond Index and Total International Bond Index. I believe Vanguard adds TIPS fo...
by abuss368
Wed Jun 27, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2364

Re: "Who's John Bogle?"

You should have offered to help her setup a Boglehead account or ordered Taylor's new Three Fund Portfolio book!