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Re: Dividend Growth Investing vs Index Funds

Two lumberjacks arguing about the best way to chop down a tree. "A sharp axe is the way to go." Says the first. The other disagrees, "You can't go wrong with a good saw." The axe club ridicules the saw group; whereas the saw crowd thinks the axe guys are backwards. At the end of ...
by SpaceCommander
Thu Jul 24, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing vs Index Funds
Replies: 14
Views: 1049

Re: Opinions - What to do with $50k for 12mos

If you need the money in merely 12 months, it belongs in a cash investment. Tbills, Money Market, CD, savings account, etc. Anything else is speculation.
by SpaceCommander
Tue Jul 22, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 8
Views: 860

Re: Joel Greenblatt's "magic formula"

Just a couple observations: the OP identifies himself as a "novice investor" then he sneers at a professional investor and academic the likes of Joel Greenblatt. The hubris is amazing around here. FYI, Greenblatt's investing record is public, long term, and impressive. He's trained at Whar...
by SpaceCommander
Mon Jul 21, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5288

Re: Bet it ALL on Small Cap Value when you're young

To the OP: if we were real Bogleheads (as in actually following Jack's advice), we'd simply put all our equity money in a total stock market index fund and hold it forever. But then again, if we did that, there wouldn't be much to talk about on this board.
by SpaceCommander
Wed Jul 16, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6112

Re: POLL: Walmart vs Amazon

Walmart? Really? Nobody goes there anymore, it's too crowded.
by SpaceCommander
Mon Jul 14, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8023

Re: IPS Review/Thoughts?

I'm in a similar situation and chose to consider the pension the "safe" part of my allocation and dial up the risk of the remaining portfolio. True, I may not need the additional risk and potential reward to take care of myself in retirement, but I figured the objective of the portfolio al...
by SpaceCommander
Mon Jul 14, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: IPS Review/Thoughts?
Replies: 4
Views: 364

Re: Vanguards Devil's Advocate

Someone above made a comment comparing this to a religion. I think that's spot on: if all you read are Catholic books, then it's not surprising that you're persuaded by that flavor of religion. Likewise, if all you read is Bogle, Swedroe, Ferri, Bernstein, etc, then it may appear that you're well re...
by SpaceCommander
Mon Jul 07, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7144

Re: Vanguards Devil's Advocate

You might consider "Dividend Growth" investment approaches. Check out anything written by Chuck Carnevale and the F.A.S.TGraphs group over on Seeking Alpha. A very different approach; but one that is reasonable under certain circumstances, IMHO. Also, I think Jeremy Siegel has some worthwh...
by SpaceCommander
Sun Jul 06, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7144

Re: Is deferring 75% of your paycheck Roth 401(k) even doabl

My wife is a medical professional. Since we don't need the income, she works around 10 hours a week just to keep her certifications current. We tried to go 100% into her Roth 401k, but her employer maxes it at 90% after deductions just to keep a small buffer there. Every two weeks she gets a $50.00 ...
by SpaceCommander
Sat Jul 05, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Is deferring 75% of your paycheck Roth 401(k) even doable?
Replies: 14
Views: 1963

Re: I'm worthless [Net worth is zero]

Sounds like you're on your way. I recall making a similar calculation around 15 yrs ago. Now it's 7 figures. Regardless of the specific numbers, the formula is always the same: live below your means, save & invest for the long term in a low cost, diversified portfolio. I recall getting excited a...
by SpaceCommander
Thu Jul 03, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm worthless [Net worth is zero]
Replies: 33
Views: 5024

Re: It’s Twilight for Managed Mutual Funds

I do believe actively managed funds will always be with us--it seems like someone always has another big idea that becomes the flavor of the month until it's not. But, it is frustrating that folks are funneled into choices with the 401k that is offered at work. I agree. I think actively managed fun...
by SpaceCommander
Wed May 21, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: It’s Twilight for Managed Mutual Funds
Replies: 23
Views: 2467

Re: what had biggest impact on your financial success?

I was looking for the "Delayed gratification / Lived below your means" option...
by SpaceCommander
Wed May 14, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: what had biggest impact on your financial success?
Replies: 57
Views: 4138

Re: Did (will) you pay off your mortgage by retirement?

Paid off well before retirement. Then sold after a few years and went back to renting. Maybe I'll pay cash for a house once I settle down and retire.
by SpaceCommander
Wed Apr 30, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3412

Re: $300k vs $600k home

First thing that came to my mind was $300K of opportunity cost. How much is that worth over the next 20 years?
by SpaceCommander
Wed Apr 30, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: $300k vs $600k home
Replies: 37
Views: 4773

Re: Seattle and Portland, OR restaurant recommendations

The Pink Door by Pike's Place Market in Seattle. Recommended.
by SpaceCommander
Tue Apr 29, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1292

Re: Bogle Baptism

While my previous note on this thread was clearly tongue-in-cheek, I am not the first to note the religious overtones of devotion on this board to the teachings of our venerated "Saint Jack". From Forbes, he (Bogle) clearly still relishes the role he carved out for himself six decades ago,...
by SpaceCommander
Sat Apr 26, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogle Baptism
Replies: 32
Views: 3347

Re: Bogle Baptism

I would quote golfer Lee Trevino... One day in 1984 my wife, Claudia, told me, 'The government gets a third and we can spend a third, but we need to save a third'. That's the smartest advice anyone ever gave me. We're rich now. Concentrate on personal savings rate instead of worrying about the perf...
by SpaceCommander
Sat Apr 26, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogle Baptism
Replies: 32
Views: 3347

Re: Does RSP performance offset it's expense ratio?

Yeah but...

RSP systematically buys losers and sells winners in order to maintain the equal weight scheme. A cap weighted midcap index doesn't do that.

JC
by SpaceCommander
Tue Apr 22, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 16
Views: 2494

Re: Does RSP performance offset it's expense ratio?

The expense drag of RSP involves more than the ratio. It's a relatively high turnover as well as a higher expense fund. But RSP has some advantages to it that the cap weighted VOO does not. Academics aside, consider the Rip Van Winkle test: over the long term, an equal investment in RSP vs VOO will ...
by SpaceCommander
Mon Apr 21, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 16
Views: 2494

Re: Reaching $1M in Total Assets

I think the "Total Assets" figure is overrated. it's not hard to accumulate 1M if you're willing to go deep into debt. Think real estate leveraged at 90+% Often the equity counted there is what I refer to as "shadow equity" (very dubious to say the least). I prefer to focus on ne...
by SpaceCommander
Sat Apr 05, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5960

Re: Are master limited partnerships worthwhile?

MLP's could be good in taxable if you're looking for higher dividends. Not a very Bogleish method. State taxes can be a hassle if you're investing large sums. Frankly, I see little need for MLPs for the vast majority of investors.
by SpaceCommander
Thu Mar 27, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Are master limited partnerships worthwhile?
Replies: 25
Views: 1637

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Cars are a consumption item. You're going to pay one way or another. The cheapest route is to buy used and drive til the tires fall off. But I think you get to a point in your life where getting the cheapest item is not your motivation anymore. You're willing to pay up to get what you want. Could yo...
by SpaceCommander
Fri Mar 21, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3568

Re: Dividends and the Magic Pants

I don't appreciate how Larry likes to throw stones at those who disagree with him. Frankly, it's tiring. He accuses them of "denying math", holding to their position on "religious" grounds, being "egotistical", and "blind". Actually, these are the same epithet...
by SpaceCommander
Wed Mar 19, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends and the Magic Pants
Replies: 38
Views: 5177

Re: Dividend stocks for current income in early retirement?

I'll stick my neck out: assembling a buy-n-hold portfolio of blue chip dividend paying stocks where you can live off the dividends without selling shares in a down market is a fine strategy. It has worked and still works splendidly for many retirees. This is not the board to discuss this strategy as...
by SpaceCommander
Fri Mar 14, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks for current income in early retirement?
Replies: 38
Views: 3986

Re: Buy vs rent no longer relevant?

I get the opportunity cost issue. I think that gets overlooked in a lot of rent/buy analysis. Sure, 20 years from now your rent will skyrocket, but what will your portfolio be worth after 30 years of compounding? I paid off my house a few years ago. It felt great, and I got that monkey off my back. ...
by SpaceCommander
Fri Mar 07, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 6003

Re: 2 Comma Club

In my experience, the first half million is the hardest part. After that, it seems like the portfolio takes on a life of its own; coupled with my continued savings, the 2nd half million is easy, and the 2nd million is inevitable...
by SpaceCommander
Fri Mar 07, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2852

Re: Why do investors prefer cash dividends?

TJSI, You're making the classic blunder: arguing with Bogleheads on their own board when they've got their minds made up. It's been done before, always with disastrous results. Forget about it, and go smash your head against a wall. You'll feel better, and be more productive. You can thank me later....
by SpaceCommander
Tue Mar 04, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5781

Re: What to say to Non-Savers

I see the same attitude among some with respect to their health. Smoking, substance abuse, a lack of exercise, sexual promiscuity, and eating a high fat-high calorie diet, etc. The attitude is that the future is too far away and that these indulgences are too pleasurable now. If I stick my head in t...
by SpaceCommander
Mon Mar 03, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5561

Re: Paying off the mortgage. Kind of.

I might add that your investment in Vanguard funds might actually go down in value. Plus, with the regular withdrawals the account may not recover from a potential bear market. Seems unnecessary to me. If you want to pay off the house, then pay it off. If not, invest in the markets and hope for the ...
by SpaceCommander
Fri Feb 28, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2814

Re: Paying back student loans- Am I being too aggressive???

Frankly, I'd recommend you spend $20.00 and buy Dave Ramsey's book. Good advice there on debt management and reduction. Come back to this forum in a few years completely debt free and with your huge monthly surplus and we can help you with the portfolio. For now, your best investment is likely into ...
by SpaceCommander
Fri Feb 14, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying back student loans- Am I being too aggressive???
Replies: 33
Views: 2899

Re: No Free Lunch from Equal Weight S&P 500

You mean I can squeeze mid cap returns out of my large cap allocation? Hot Dog! Where do I sign??
by SpaceCommander
Fri Feb 07, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: No Free Lunch from Equal Weight S&P 500
Replies: 44
Views: 5087

Re: Seattle as a place to live?

Just moved from Seattle due to work. I would love to go back. Great city. I can see myself going back to retire there. 2nd the Queen Anne recommendation. Or consider a suburb like Bellevue. Very nice.
by SpaceCommander
Sat Jan 25, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6796

Re: Living Off of Dividends Alone

I think it can be done. But the portfolio won't look like the typical recommended boglehead portfolio. Carefully select 20 solid blue chips in varied sectors with steadily growing dividends. You can easily craft a portfolio that throws off around 3-4%. Never sell and hold the shares until you die. T...
by SpaceCommander
Fri Jan 24, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living Off of Dividends Alone
Replies: 28
Views: 3082

Re: POLL: Preferred Withdrawal Method

Need the option for "Withdraw dividends only, selling NEITHER equities nor bonds." Works for me.
by SpaceCommander
Sat Jan 18, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Preferred Withdrawal Method
Replies: 31
Views: 1941

Re: Quicken vs Mint???

My vote is for neither. I prefer YNAB; it has it's limitations, but what it does, it does very well.

www.ynab.com

Merry Christmas to you and yours,
by SpaceCommander
Tue Dec 24, 2013 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken vs Mint???
Replies: 2
Views: 571

Re: VWO: Emrging Markets any better options?

Consider DEM or DGS (the Wisdom Tree alternatives). Low cost, excellent performance, and a different weighting scheme. I expect DEM to outperform VWO over the long term. FWIW...
by SpaceCommander
Sun Dec 22, 2013 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: VWO: Emrging Markets any better options?
Replies: 8
Views: 884

Re: finding international small cap value

Consider DLS. It's WisdomTree's International Small Dividend fund. I think a dividend weighted fund is a roundabout way to get value exposure.
by SpaceCommander
Tue Dec 17, 2013 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: finding international small cap value
Replies: 2
Views: 439

Re: international small cap value

Check Eric Haas' website. Good info there.

http://www.altruistfa.com/dfavanguard.htm
by SpaceCommander
Tue Dec 17, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: international small cap value
Replies: 5
Views: 720

Re: Good book for gift to high school senior?

Just starting out, I think the kid's emphasis shouldn't be on investing yet. It should be on how to rightly manage money and stay out of debt. So my recommendation is Dave Ramsey's Total Money Makeover. Once he learns how to live debt free, then he'll need to learn how to manage his surplus and will...
by SpaceCommander
Tue Dec 17, 2013 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Good book for gift to high school senior?
Replies: 31
Views: 1784

Re: TSP Survey on Self-Directed Mutual Fund Window

I like TSP the way it is. ...For those not interested, the fees & investment options shouldn't change. ... I understand what you’re saying and I hope you are right. As I get older, I have become more skeptical of many of such claims. There really no free lunch. Many things happened at work or a...
by SpaceCommander
Thu Dec 12, 2013 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 3168

Re: TSP Survey on Self-Directed Mutual Fund Window

I think participants should be given a choice instead of having big brother do the deciding for them. For those not interested, the fees & investment options shouldn't change. The rest should be able to decide for themselves how to implement the option.
by SpaceCommander
Wed Dec 11, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 3168

Re: Which Bond Fund in this Rising Interest Rates environmen

I'm curious, SpaceCommander, do you believe a good active stock manager can also outperform a total market index? If not, why do you think the bond market is different? Thanks all for the considerate feedback on this issue. When I mentioned I prefer active management in this case, I fully expected ...
by SpaceCommander
Mon Dec 09, 2013 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4282

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF). Have you read "Rising Rates: A case for active bond investing?" https://personal.vanguard.com/pdf/icrrab.pdf You are free to invest you...
by SpaceCommander
Sun Dec 08, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4282

Re: Have 5 years to repay 20k. Where should I put it?

This is what Lending Club and Prosper.com are for! :sharebeer

Just kidding... I agree with the posters above; pay your folks ASAP and don't try to make money off of the float. Stay focused on the big things that matter: family, career, savings rate, etc.
by SpaceCommander
Sat Dec 07, 2013 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have 5 years to repay 20k. Where should I put it?
Replies: 22
Views: 1435

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF). Have you read "Rising Rates: A case for active bond investing?" https://personal.vanguard.com/pdf/icrrab.pdf You are free to invest you...
by SpaceCommander
Sat Dec 07, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4282

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF).
by SpaceCommander
Thu Dec 05, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4282

Re: Pay off student loan with home equity line

I don't like the idea of replacing unsecured debt with a lien on your house. Why put up collateral when you don't have to?
by SpaceCommander
Mon Dec 02, 2013 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan with home equity line
Replies: 14
Views: 1248

Re: Purchasing rental property vs. REITs

Consider all expenses in your analysis. Even if you pay cash, you've got: Taxes, Insurance, Maintenance, Management, Utilities, Vacancy allowance. Plus the time factor. Real estate can certainly get you there, but if you haven't been a real estate investor before, be sure to go into the deal with ey...
by SpaceCommander
Wed Nov 27, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purchasing rental property vs. REITs
Replies: 26
Views: 2856

Re: Are you an Iphone or Android guy?

Windows phone. Android tablet (Galaxy Note 10.1 2014)
I'm like the Windows interface for the phone. The Galaxy Note is the best tablet in existence hands down (IMHO).
Works for me.
by SpaceCommander
Sat Nov 23, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 7120

Re: Early Mortgage Payoff: any gocthas to watch out for?

Of course you're going to want that documentation from your lender indicating your obligation is fully satisfied. In addition, your lender should then file the mortgage release with your County Recorder's office. They should have several weeks to get that done. Personally, I wanted that release in m...
by SpaceCommander
Fri Nov 22, 2013 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early Mortgage Payoff: any gocthas to watch out for?
Replies: 21
Views: 1863
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