Search found 13168 matches

by abuss368
Wed Jan 23, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 6
Views: 357

Re: Disability Insurance

Are the policies portable? In other words, if you leave or lose your job, can you take the policies with you? If not, I recommend buying policies on the individual market. Otherwise, what happens if you develop a medical condition that makes you uninsurable and you then lose this job? I was given t...
by abuss368
Wed Jan 23, 2019 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard?
Replies: 39
Views: 3228

Re: Vanguard?

Do they offer financial advisor services? I know enough to know that I'm not a professional on picking funds. While I'm currently happy with my current advisor, always looking. Vanguard started Personal Advisor Services for 0.30% a few years ago. My understanding is they typically recommend Total S...
by abuss368
Wed Jan 23, 2019 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard?
Replies: 39
Views: 3228

Re: Vanguard?

Do they offer financial advisor services? I know enough to know that I'm not a professional on picking funds. While I'm currently happy with my current advisor, always looking. Vanguard started Personal Advisor Services for 0.30% a few years ago. My understanding is they typically recommend Total S...
by abuss368
Tue Jan 22, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 45
Views: 12756

Re: Jack Bogle's Obituary From The Family

Taylor Larimore wrote:
Tue Jan 22, 2019 7:13 pm
Bogleheads:

This is a Guestbook from the funeral home. Write a few words if you wish:

http://www.legacy.com/guestbooks/philly ... /191294286

Best wishes.
Taylor
Thank you Taylor.
by abuss368
Tue Jan 22, 2019 8:28 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2279

Re: "Bogleheads on Investing" podcast growing audience

Rick -

Would it be possible to interview David Swensen at Yale? Mr. Swensen and Mr. Bogle always spoke highly of each other.
by abuss368
Tue Jan 22, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2279

Re: "Bogleheads on Investing" podcast growing audience

sleepysurf wrote:
Tue Jan 22, 2019 8:25 am
Rick, how about interviewing John Bogle, Jr., who is an ACTIVE manager, reminiscing about Jack's influence as his father, and discussing their different investing paths.
That would be interesting.
by abuss368
Mon Jan 21, 2019 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

I don't like bank savings accounts because it's hard to ensure I'm getting a fair yield over time. And increase your inflation risk! Indeed. The supposedly 'safe' investments out there still carry significant risk, just not in the form of volatility. It is amazing how many people do not realize tha...
by abuss368
Mon Jan 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 157
Views: 13504

Re: What non fiction book will you be reading in 2018?

Simple: Jack Bogle on Mutual Funds!
by abuss368
Mon Jan 21, 2019 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

I don't like bank savings accounts because it's hard to ensure I'm getting a fair yield over time. And increase your inflation risk! Indeed. The supposedly 'safe' investments out there still carry significant risk, just not in the form of volatility. It is amazing how many people do not realize that!
by abuss368
Mon Jan 21, 2019 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Parting ways with financial advisor--is this allocation right for now?
Replies: 13
Views: 948

Re: Parting ways with financial advisor--is this allocation right for now?

I would agree that a change is needed. Fees of $11,000 a year could be reinvested and working for you to better secure your futures. I would suggest contacting Vanguard and considering moving your portfolio. From there you can work (with the Bogleheads) to streamline your portfolio. Keep investing s...
by abuss368
Mon Jan 21, 2019 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard?
Replies: 39
Views: 3228

Re: Vanguard?

I am updating my accounts and relooking a couple things as I become debt free with sale of my house turned rental property. I'm about to turn on the savings spigot and while I'm currently with another company, I'm exploring options. Thanks I did want to add a "congrats" on becoming debt free! That ...
by abuss368
Mon Jan 21, 2019 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard?
Replies: 39
Views: 3228

Re: Vanguard?

Continuing to evaluate my investments and the longer I'm on this site I see Vanguard is highly rated. I understand the Jack Bogle history of the company but what makes them currently competitive? I am updating my accounts and relooking a couple things as I become debt free with sale of my house tur...
by abuss368
Mon Jan 21, 2019 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard?
Replies: 39
Views: 3228

Re: Vanguard?

Do they offer financial advisor services? I know enough to know that I'm not a professional on picking funds. While I'm currently happy with my current advisor, always looking. Vanguard started Personal Advisor Services for 0.30% a few years ago. My understanding is they typically recommend Total S...
by abuss368
Mon Jan 21, 2019 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

bluquark wrote:
Mon Jan 21, 2019 5:59 pm
I don't like bank savings accounts because it's hard to ensure I'm getting a fair yield over time.
And increase your inflation risk!
by abuss368
Mon Jan 21, 2019 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

At my Bank of America I have multiple account. Savings, checking, house spending, vacation and xmas. Does anyone else do this? Seems like a fair amount of work, I have no need for that, personally. I suppose it is good for someone who is unable to save appropriately for their wants/needs? I see no ...
by abuss368
Mon Jan 21, 2019 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

At my Bank of America I have multiple account. Savings, checking, house spending, vacation and xmas. Does anyone else do this? I will keep my checking and one savings at BOA. Just wondering about the other savings. Would it be better to just have one savings account and place the money in the the b...
by abuss368
Mon Jan 21, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4101

Re: Is it ever worth purchasing an extended warranty for a vehicle?

CobraKai wrote:
Mon Jan 21, 2019 12:46 pm
Can it be worth it to purchase a warranty in this situation or is it always a rip off?
Hi CobraKai -

Knock on wood but I have never purchased an extended warranty for a car or any other product. My understanding is in many cases this is a huge money maker for the seller.
by abuss368
Mon Jan 21, 2019 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: selecting investment firm
Replies: 20
Views: 1023

Re: selecting investment firm

I have decided to change brokers from Schwab to another firm. After visiting ten separate web sites I assigned comparable scoring by giving a ranking of 10 to their number one selection, and dropping by one for each ranking level. I summed up those numbers to a single score. Those numbers indicate ...
by abuss368
Mon Jan 21, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Websites for tax simulations?
Replies: 23
Views: 1377

Re: Websites for tax simulations?

Luckywon wrote:
Mon Jan 21, 2019 1:31 pm
Would appreciate any information on websites where up to date tax simulations/pro forma tax returns can be run for both federal and California state returns.
Make sure you understand the full impact of the new tax laws for 2018.
by abuss368
Mon Jan 21, 2019 8:28 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2375
Views: 1492930

Re: The Three-Fund Portfolio

So, is the Total Bond Index fund considered the "safest" bond fund to invest in? For example, if we were to enter a severe economic downturn, would this *probably* be the best bond fund to be in? I realize anything is ultimately almost anything is possible and unpredictable. Hi DB2 - In my opinion ...
by abuss368
Mon Jan 21, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2279

Re: "Bogleheads on Investing" podcast growing audience

Great and welcome news!

Great job Rick!
by abuss368
Sun Jan 20, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 139
Views: 7524

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: 26
Views: 1545

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: 15910

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: 27
Views: 2425

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: 27
Views: 2425

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: 15
Views: 1658

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: 26
Views: 3273

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: 139
Views: 7524

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: 120
Views: 10752

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: 957

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: 26
Views: 3273

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: 43
Views: 2210

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: 26
Views: 3273

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: 43
Views: 2210

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: 43
Views: 2210

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: 19
Views: 2581

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: 679

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: 1295

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: 368

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: 757

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: 3580

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: 2654

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: 116
Views: 5839

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: 116
Views: 5839

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: 757

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: 757

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: 3423

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: 1322

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: 957

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 ...