Search found 11598 matches

by abuss368
Sat Nov 18, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 12
Views: 1597

Re: Why did Vanguard drop TurboTax?

In the years we used Turbo Tax, I always l8ked the software and found it easy to use.
by abuss368
Fri Nov 17, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help for semi retired friend with 8 figure savings
Replies: 68
Views: 4721

Re: Help for semi retired friend with 8 figure savings

The Three Fund Portfolio works great regardless of the size of the investment portfolio.
by abuss368
Fri Nov 17, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 1708

Re: Finance Simplicity

Only in the U.S.A. do we have IRA's, Roth IRA's, 401K's, ROTH 401k's, SEP 401K's, Government Retirement accounts, HSA's, and ect. It's almost too much for the average person to split their checks in all these different pots. Has any one just decided to just [(removed) --admin LadyGeek] go simple. 1...
by abuss368
Fri Nov 17, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1214

Re: Is dent repair service worth it?

We used a local dent repair service many years ago and for the price they were able to work wonders. I was very happy and would use them again.
by abuss368
Fri Nov 17, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are my husband's traditional IRA contributions deductible for 2017?
Replies: 9
Views: 542

Re: Are my husband's traditional IRA contributions deductible for 2017?

Earl is correct, Clyde is not. The IRS is partially at fault for continuing to use the term "covered". The actual correct term is "active participant". You are only an active participant when a contribution has been made by your or on your behalf. So if you make an employee deferral matched or not,...
by abuss368
Fri Nov 17, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are my husband's traditional IRA contributions deductible for 2017?
Replies: 9
Views: 542

Re: Are my husband's traditional IRA contributions deductible for 2017?

A 401k is a qualified retirement plan. It makes no difference if the employee participates or does not participate in the 401k. W-2 box 13 is checked when the employer has the retirement plan in place. That's incorrect. The IRS publications make it clear that there has to be a contribution from eit...
by abuss368
Fri Nov 17, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1108

Re: Is it a bad idea to invest several times a month?

The correct answer is to invest based on what works for you.

If anything, investing over time, is essentially Dollar Cost Averaging into the market. This is a good strategy.
by abuss368
Fri Nov 17, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 8
Views: 774

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

Welcome to the forum.

The Three Fund Portfolio or the recommended Vanguard Four Fund Portfolio of Total Stock and International Stock and Total Bond and Total International Bond is an excellent choice.

Jack Bogle always says, and for good reason, "simplicity is the master key to financial success".
by abuss368
Fri Nov 17, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off my house. Now how to handle insurance and tax payments?
Replies: 17
Views: 1393

Re: Paid off my house. Now how to handle insurance and tax payments?

I would strongly suggest that the OP set up an auto pay on his homeowners insurance, to be deducted via ACH from his checking account. This helps to ensure that in the event of incapacitation, the homeowners insurance will still be paid in a timely manner. Nobody wants to risk having homeowners ins...
by abuss368
Fri Nov 17, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off my house. Now how to handle insurance and tax payments?
Replies: 17
Views: 1393

Re: Paid off my house. Now how to handle insurance and tax payments?

Congrats on paying of the home. Your plan is fine and would do the job. In terms of the insurance, one option would be to have the insurance company automatically deduct the monthly premium form checking. I have done this for years as it simplified everything in terms of no need to transfer cash, bu...
by abuss368
Fri Nov 17, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 52
Views: 2706

Re: My dad's army jacket

Thank you for your Dad's service to our great nation!
by abuss368
Fri Nov 17, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund Investment Strategy
Replies: 12
Views: 821

Re: Target Date Fund Investment Strategy

Hi, I am currently 30 years old, max out my 401k and Roth IRA, have a brokerage account and am looking for an investment strategy all of my money. My goal is simply to get a solid return from my investments without having to worry much about managing it moving forward. From everything I've read on ...
by abuss368
Fri Nov 17, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 12
Views: 1597

Re: Why did Vanguard drop TurboTax?

Vanguard used to offer Vanguard clients discounted or even free access to TurboTax’s tax preparation services. But Vanguard dropped its discounts several years ago, saying that Vanguard considered its core mission to be investment services, not tax services. Was Vanguard’s decision to drop TurboTax...
by abuss368
Mon Nov 13, 2017 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Bond ETF: Active or Passive?
Replies: 7
Views: 627

Re: Bond ETF: Active or Passive?

birdog wrote:
Sun Nov 12, 2017 10:14 pm
abuss368 wrote:
Sun Nov 12, 2017 1:01 pm
Total Bond is the largest bond fund on the planet and for good reason.
I get it but when I compare returns it is just pathetic. This low yield environment gets my mind to spinnin'.
I understand. I do not believe the comparison from a risk standpoint is the same however.
by abuss368
Sun Nov 12, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: What Makes U.S. Treasuries the World's "Safe" Asset?
Replies: 24
Views: 2431

Re: What Makes U.S. Treasuries the World's "Safe" Asset?

David Swensen, Yale University CIO, has always recommend a simple bond allocation of 50% Treasuries and 50% TIPS.
by abuss368
Sun Nov 12, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 62
Views: 4125

Re: Asset allocation for 5% return

Hi jimsad - An investors asset allocation between stocks and bonds will determine an investment portfolios return over time. Higher risk stocks should result in higher returns. An investors asset allocation should be based on goals, time frame, and tolerance for risk. I am not aware of any investmen...
by abuss368
Sun Nov 12, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 3048

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

With bitcoin / cryptocurrencies reaching a 65B market cap and the World Market cap being 210 Trillion, Would it be considered "Wise" / "Bogleheaded" to go ahead and allocate .3% of ones portfolio to crypto since they are not represented in the total market index? No more no less. This isn't some ar...
by abuss368
Sun Nov 12, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Form 5498 or 1099R (IRA to Roth Conversion)
Replies: 40
Views: 1634

Re: Form 5498 or 1099R (IRA to Roth Conversion)

IRS Form 5498 is typically provided by May 31st.

I also review our year end investment portfolio statements to make sure any contributions are reported in the correct year.
by abuss368
Sun Nov 12, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1772

Re: Are we headed for a crash or...

If we could predict the future we would be very wealthy!
by abuss368
Sun Nov 12, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF: Active or Passive?
Replies: 7
Views: 627

Re: Bond ETF: Active or Passive?

The funds appear to be different as you not in terms of assumed risk and potential reward. Withbonds, higher yield almost always means higher risk. This difference could show during a downturn when an investor may need bonds most for rebalancing purposes. Total Bond is the largest bond fund on the p...
by abuss368
Sun Nov 12, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Fund in Taxable account
Replies: 16
Views: 1393

Re: LifeStrategy Fund in Taxable account

A question you might want to consider is....if your mother became a surviving spouse, would she be able to handle managing the portfolio? Maybe it's something you can do for her (them?). This is key should should be discussed. An alternative is to let Vanguard managed the accounts for your wife. Th...
by abuss368
Sun Nov 12, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3640

Re: Yay, my question was answered by Jack

I think it is hard to argue with the Target & LifeStrategy funds too. I would however prefer the LifeStrategy as the Target holds TIPS and the allocation is static.
by abuss368
Sun Nov 12, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3640

Re: Yay, my question was answered by Jack

This is a good post and glad to hear it. The Balanced Fund is an excellent choice. Do you by chance hold this (or will you at some point) in a taxable account?
by abuss368
Sun Nov 12, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard Reduces 529 Fees
Replies: 10
Views: 1289

Re: Vanguard Reduces 529 Fees

Thank you for posting this good news. I was not aware.
by abuss368
Sun Nov 12, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 5911

Re: Should you own only non-U.S. stocks?

Does this "advice" not violate all three strategies of investment return:

1) Asset Allocation
2) Market Timing
3) Security Selection
by abuss368
Sun Nov 12, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 5911

Re: Should you own only non-U.S. stocks?

I used to say "just tell me how much of your stock allocation you want to be invested internationally, from 0 to 50%, and I can find you an expert who recommends that allocation." Now I can take out that reservation and just say, unconditionally, "just tell me how much of your stock allocation you ...
by abuss368
Sun Nov 12, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Better credit or larger downpayment?
Replies: 17
Views: 1391

Re: Better credit or larger downpayment?

Hi savio - First and most importantly, "thank you" for your service to our great nation! We purchased a home a little over a year ago and the credit process is very comprehensive. I would consider engaging and working with a very good and qualified mortgage broker and real estate agent. Loans taken ...
by abuss368
Sun Nov 12, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Fund in Taxable account
Replies: 16
Views: 1393

Re: LifeStrategy Fund in Taxable account

I did want to add that the LifeStrategy funds are hard to beat in terms of the automatic rebalancing and staying the course. I believe their is a possible mental advantage as well, and that is when it is one fund in a down market, and not the separate funds, an investor may be more receptive to stay...
by abuss368
Sun Nov 12, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Fund in Taxable account
Replies: 16
Views: 1393

Re: LifeStrategy Fund in Taxable account

My parents are nearing the age where they will need to start taking Required Minimum Distributions (RMD) and it seems like they don’t need the money to live on, so they will likely just reinvest the money in a taxable account. They currently have their money in a Traditional IRA, Vanguard LifeStrat...
by abuss368
Sun Nov 12, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34368

Re: Did you tell anyone you paid off your mortgage?

Mortgage-burning parties were a long-established custom, and a reason for celebration of someone's good luck or achievement. Not much different from celebrating a wedding, birth or other joyous landmark in life. I don't know when they fell out of favor, but you don't hear them much anymore. Not PC?...
by abuss368
Wed Nov 08, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25231

Re: Vanguard's new security key option

This is interesting.
by abuss368
Mon Nov 06, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3054
Views: 900491

Re: What Movie Have You Recently Watched?

Horsemen on Netflix. Very good crime thriller.
by abuss368
Sun Nov 05, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3285

Re: U.S. & International Allocation

Thank you for sharing that chart of global capitalization.
by abuss368
Sun Nov 05, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2516

Re: Investment Books & Your Library

I had started another thread regarding books about Warren Buffett a month or so ago and specifically: a) The Snowball, b) The Making of an American Capitalist, and c) Tap Dancing to Work. Overall I was surprised by the lack of interest and posts as I thought Bogleheads would be much more interested ...
by abuss368
Sun Nov 05, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

jb1 wrote:
Sun Nov 05, 2017 6:44 pm
Would rather own actual property.
That is the "problem" with this asset class. There is no best way to invest in real estate. There are clear advantages and disadvantages to the various types of ownership.
by abuss368
Sun Nov 05, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

REITS are good for diversification... and offer very low correlation with a few specific other components that you should consider too. A small amount of REIT added to a portfolio (your standard 3 fund) decreases volatility and increases return - Win - Win. US REIT has very low correlation to Inter...
by abuss368
Sun Nov 05, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2516

Investment Books & Your Library

Ho Bogleheads - How many folks have built a library or bookshelf over the years with many investment and personal finance books? Do you find that at some point additional books provide diminishing returns. Personally, I will always purchase or read a Jack Bogle, Bogleheads, or book about Vanguard. O...
by abuss368
Sun Nov 05, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

I have allocated 30% of equity to REITs for many years as recommended by David Swensen.
by abuss368
Sun Nov 05, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10742

Re: Got an iPhoneX

I have used an iPhone for many years. First the 4S, then a 5S, and now a 6S. I have enjoyed every model. At some point, I will upgrade to a 7S or so. I typically stay a cycle or so behind as it is much cheaper and appears to not make much of a difference. The Boglehead way!
by abuss368
Sun Nov 05, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

We have invested in both the Vanguard U.S. and International REIT Index funds for many years and we are pleased with the results. The two funds appear to complement each other and work well with the Total U.S. and Total International Index Funds. We intend to stay the course with our plan being thes...
by abuss368
Sun Nov 05, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4706

Re: "Probably the World's Best Investment Forum"

Bogleheads -

I personally love this thread and the recognition of it. However, I must strongly disagree! For me, "Probably the World's Best Investment Forum" should be replaced with "THE World's Best Investment Forum".

Best.
by abuss368
Sun Nov 05, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6039

Re: Spam calls to cell phone...

I have noticed this unfortunate trend as well. I did review and participate in the national Do Not Call list. The other item is with regards to our Apple iPhone, one can select a number as a blocked caller. Not sure this helps much however.
by abuss368
Sun Nov 05, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2740

Re: PRIMECAP Fund

Bogleheads - I recall over the years that the favorable view of the Primecap fund. I may be incorrect, but did Vanguard not create a Primecap II fund because the original fund was too large to manage. Yes, historically it appears to be a good fund. The question is how will this actively managed fund...
by abuss368
Sun Nov 05, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

1) In Unconventional Success, David Swensen recommends the following long-term portfolio (I.e. for horizon's > 10 years): 30% US Stocks 20% International Stocks 20% Real Estate 15% Treasuries 15% TIPs cheers, grok Hi grok - I considered myself fortunate to have attended a lecture of David Swensen a...
by abuss368
Sun Nov 05, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3285

Re: U.S. & International Allocation

I had also wanted to mention that the recommended allocation of fixed income for Total International Bond has also increased in terms of Vanguard investment experts. I believe this was 20% of fixed income and is now 30%.

The trend appears to be in one direction.
by abuss368
Sat Nov 04, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3448

Re: Should one use REITs

We have invested in REITs for many years and intend to stay the course.