Search found 372 matches

by Dead Man Walking
Fri Jun 23, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 10152

Re: Zacks says sell Wellesley!?

What is Dan Wiener's (sp) recommendation regarding Wellesley?

DMW
by Dead Man Walking
Sat Jun 17, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 11110

Re: Selling Car - Private Sale vs CarMax vs Dealer

The test drive is a problem that has always bothered me about selling a car privately. I think that the owner of the car is the responsible party if the car is involved in an accident. I'm not sure how insurance companies would respond if the prospective buyer had an accident while test driving the ...
by Dead Man Walking
Sat Jun 17, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2763

Re: Home siding thoughts

Just to add those that have aluminum siding, it takes paint very well after a good cleaning +1 I had my aluminum siding spray painted 21 years ago with satin finish latex paint. Spraying eliminates brush marks and retains the original appearance of the siding. I've power washed the paint every coup...
by Dead Man Walking
Fri Jun 16, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 98
Views: 8315

Re: Anyone else gotten totally bored with investing?

I'm not exactly bored; however, I have looked to add some excitement by investigating factor-based funds. Other than small and value, my portfolio is mainly blend funds. I haven't pulled the trigger because I'm not sure that I understand the concept well enough.

DMW
by Dead Man Walking
Tue Jun 13, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 2306

Re: Favorite Active Funds?

I own Primecap Core in my IRA. It's a large cap blend fund that I hold as a supplement to TSM. About half of its 153 holdings are in technology and healthcare; consequently, it's not well diversified. The fund has consistently outperformed the S&P 500 Fund by a couple of percentage points. My wi...
by Dead Man Walking
Tue Jun 13, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11936

Re: Bogle Doubles Down on US Index Funds

Did anyone think Budweiser would have to put the word America on their cans? I know exactly what you mean, but as an aside, the ORIGINAL Budweiser is a Czech beer. There was a long dispute over the trademark. The Czech beer is still sold in Europe (and exported) under the label "Budweiser Budv...
by Dead Man Walking
Tue Jun 13, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11936

Re: Bogle Doubles Down on US Index Funds

I don't really even think about the countries, so much as the companies. It's amazing that for the tiny fee of 0.11% (Vanguard Total International, Admiral shares), I can invest in all of these companies and more... Toyota Royal Dutch Shell Samsung Michelin Nestle HSBC Unilever Bayer GlaxoSmithKlin...
by Dead Man Walking
Sun Jun 11, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 228
Views: 35406

Re: Regret early retirement/downsizing

Great thread. I wish there were a way to follow threads. My wife retired April 2016 and I plan on retiring in December @ 57 after 35 years in IT. My job has never been better but I've planned fairly well and will be financially independent. My wife has recently warned me that I may have some of the...
by Dead Man Walking
Sun May 28, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: One time chance to reselect Defined Benefits or Defined Contribution
Replies: 35
Views: 2857

Re: One time chance to reselect Defined Benefits or Defined Contribution

frugalnotenough, I'm not going to select a retirement plan for you. At your age do you think that you can endure another 20 years in the classroom? I'm aware of the pressure put on teachers by politicians and administrators. The kids are the best part of the profession; the [(removed) --admin LadyGe...
by Dead Man Walking
Fri May 26, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7357

Re: How dividends become irrelevant?

This seems to be the implicit assumption in all the arguments here. "All companies intend to return cash to shareholders". This and that share owners will receive their entitled share of future earnings. Simply not true. Absolutely false. Today companies are run for the benefit of managem...
by Dead Man Walking
Thu May 25, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Is international a momentum investment?
Replies: 16
Views: 1471

Is international a momentum investment?

The performance of international funds has been surging for the last year after years of underperforming. Is this an indication of positive momentum? I may have read too many factor based investing threads!

DMW
by Dead Man Walking
Thu May 25, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7357

Re: How dividends become irrelevant?

Dividends are relevant to investors who are prohibited from investing in interest bearing securities. For examples check out Amana Mutual Funds.

DMW
by Dead Man Walking
Mon May 22, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4047

Re: NJ Lemon Law 2017 Honda CRV

Since the dealer suggested applying the electric parking brake before turning the ignition off, I'm speculating that there may be a problem with the switch that is supposed to engage the parking brake when it is shifted into park. Someone told me that automatic engagement of the parking brake is a f...
by Dead Man Walking
Mon May 22, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9366

Re: Net worth is overrated

I have never calculated my net worth. However, I know the value of my investment portfolio, what my pension income will be, and the value of my house according to my tax bill. The other stuff I own has value according to the guys on American Pickers. Since my pension has survivor benefits, with the ...
by Dead Man Walking
Mon May 22, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 21
Views: 1936

Re: Keeping credit score up

Discover lists my FICO score monthly. It's always in the 800's and rises slightly when I charge more than I usually do. I know my score will rise after Christmas. This may be due to the fact that I use department store cards at Christmas to get discounts and rarely use them during the year. I always...
by Dead Man Walking
Mon May 22, 2017 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 15
Views: 1499

Re: Health Insurance Company "Case Manager"

I had major surgery at a world renowned hospital. Since I have a multitude of medical problems, the hospital had residents specializing in every condition that I suffer from examine me. None of these examinations were relevant to the surgery that I had. The hospital billed me for nearly $44,000 for ...
by Dead Man Walking
Fri May 12, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 506
Views: 198578

Re: TV show recommendations?

Brockmire - IFC
Fargo - FX
The Americans - FX
Better Call Saul - AMC
The Son - AMC
Billions - Showtime
Chicago Justice - NBC - a Law and Order redux
by Dead Man Walking
Wed May 10, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Challenges Of Managing Finances As We Age
Replies: 25
Views: 3644

Re: Larry Swedroe on Challenges Of Managing Finances As We Age

OMG, I'm of the age that I need a financial advisor! Many people probably need an advisor when they begin earning money. I needed an advisor 50 years ago more than I need one now. I'll admit that I am more conservative in my old age; however, I don't need to take risk.

DMW
by Dead Man Walking
Sat May 06, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Sensible article on Smart Beta by Jonathan Clements
Replies: 21
Views: 1849

Re: Sensible article on Smart Beta by Jonathan Clements

This isn't just some interesting academic exercise. Rather, it's big business. Wall Street has been quick to exploit these insights. When factor based funds have a 15 year history, I'll be able to make a decision regarding factor based investing. DMW Are you unfamiliar with DFSVX? That has a nearly...
by Dead Man Walking
Sat May 06, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Sensible article on Smart Beta by Jonathan Clements
Replies: 21
Views: 1849

Re: Sensible article on Smart Beta by Jonathan Clements

This isn't just some interesting academic exercise. Rather, it's big business. Wall Street has been quick to exploit these insights.


When factor based funds have a 15 year history, I'll be able to make a decision regarding factor based investing.

DMW
by Dead Man Walking
Sun Apr 23, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 18695

Re: I don't understand the case for EE bonds

Due to my age and health, I don't have a dog in this fight. However, I recently read an article about the affect of rising interest rates on financing the national debt. If rates were to rise significantly, the cost of financing the national debt would be astronomical. The authors concluded that rat...
by Dead Man Walking
Wed Apr 19, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 7196

Re: Is it necessary to diversify across Factors?

DFA, AQR, Powershares, iShares, Vanguard, Schwab, and Pimco RAE Fundamental funds have been mentioned as providers of factor-based funds. Assuming that an investor wanted to diversify across all factors, which funds from these providers would provide maximum diversification? What percentage of equit...
by Dead Man Walking
Mon Apr 17, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 7196

Re: Is it necessary to diversify across Factors?

I just want to note that over any given time frame, we don't know which factors might underperform. Diversifying across them can be important over any timeframe, but is perhaps even more important when the timeframe is short! Dave As I understand it, factor based investing is a way to diversify ris...
by Dead Man Walking
Fri Apr 07, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: nice short piece on the math of factor investing
Replies: 202
Views: 11338

Re: nice short piece on the math of factor investing

Larry Swedroe and others, Vanguard defines their Life Strategy Funds as target-risk funds. My limited understanding of factor investing is that it is a way to diversify risk with the possibility of increasing returns. Have any fund providers created funds that combine all factors in all-no-one funds...
by Dead Man Walking
Mon Mar 27, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: reviewing the literature on private equity
Replies: 4
Views: 633

Re: reviewing the literature on private equity

I wish all public pension trustees were required to read Swensen and some of the stuff on the Boglehead board. I'm am shocked how little investing acumen sits on some of the largest public pension boards in this country. That being said, even private endowments with a very sophisticated wealth of i...
by Dead Man Walking
Mon Mar 27, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 916046

Re: U.S. stocks in freefall

Why is this noise still active! It's 100% bull!

DMW
by Dead Man Walking
Sun Mar 26, 2017 12:56 am
Forum: Investing - Theory, News & General
Topic: S&P Index Funds at Vanguard
Replies: 8
Views: 1307

Re: S&P Index Funds at Vanguard

S&P probably charges more to use their name in the name of a mutual fund. I like their use of a profitability screen in the construction of their indices.

DMW
by Dead Man Walking
Mon Mar 20, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Spin scrubbers
Replies: 4
Views: 843

Re: Spin scrubbers

.............. considering buying one of the battery powered spin scrubbers that I have seen advertised on TV. I have seen spin scrubbers by Hurricane and Clorox advertised...... DMW Whenever anyone speaks of products advertised on TV am not sure what exactly they are referring to. Over the years I...
by Dead Man Walking
Sat Mar 18, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Spin scrubbers
Replies: 4
Views: 843

Spin scrubbers

Due to several medical problems, I'm considering buying one of the battery powered spin scrubbers that I have seen advertised on TV. I have seen spin scrubbers by Hurricane and Clorox advertised. Has anyone purchased and used a spin scrubber? Please tell me your experience with these gadgets.

DMW
by Dead Man Walking
Mon Mar 13, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 4114

Re: Don't let your political views impact your investment strategy

Recently read that defense industry stocks have risen significantly more than the remainder of the S&P 500. May be a current example of speculation based on politics. TSM returns benefit without the risk of speculation.

DMW
by Dead Man Walking
Sat Mar 11, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: What if my 403b provider went bankrupt?
Replies: 2
Views: 400

Re: What if my 403b provider went bankrupt?

If you want to see the details of the case, you may be able to access the information at the Court of Common Pleas Summit County Ohio ( http://www.cpclerk.co.summit.oh.us). Case No. 2004-09-5283, Judge Marvin A. Shapiro.

FYI, I lost 10.30% of my investment.

DMW
by Dead Man Walking
Sat Mar 11, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: What if my 403b provider went bankrupt?
Replies: 2
Views: 400

Re: What if my 403b provider went bankrupt?

I had a provider that was caught skimming dividends from 403b accounts about 15 years ago. The provider went under and was prosecuted for several violations. The court appointed a special master to sort out the assets of each client. The special master sold all of the mutual funds and placed the pro...
by Dead Man Walking
Tue Feb 28, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Why has growth beaten value recently?
Replies: 33
Views: 4316

Re: Why has growth beaten value recently?

I tilt my equities toward small caps; consequently, I follow the performance of several small cap funds via a model portfolio at Morningstar. The funds that I follow are limited to Vanguard funds, a Fidelity fund my wife holds, and DFA US Small Cap Value I (DFSVX). I use DFSVX as a performance bench...
by Dead Man Walking
Thu Jan 26, 2017 2:14 am
Forum: Investing - Theory, News & General
Topic: Buying CDs from Vanguard
Replies: 1
Views: 765

Buying CDs from Vanguard

Does anyone have experience buying certificates of deposit from Vanguard? If so, please tell me about your experience. What are the advantages and disadvantages? Can they be purchased for a Roth IRA? I'm interested in maturities from 6 months to 3 years. Thanks for your input.

DMW
by Dead Man Walking
Tue Jan 17, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: An index isn't an index isn't an index...
Replies: 23
Views: 2804

Re: An index isn't an index isn't an index...

The S&P indexes have a fundamental difference from the others; they are not intended to reflect the whole market, but a subset of companies which meet S&P's criteria. In large-cap, this makes little difference, as almost all large companies are in the S&P 500. But in mid-cap and small-c...
by Dead Man Walking
Tue Jan 17, 2017 4:26 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 15252

Re: Best DNA genealogy testing kits

I give talks on genealogy research in my local area and people often ask me about the DNA tests to find out where they came from. Part of my my answer is "If you don't like the results of the test, get tested at one of the other companies that do it and you'll get a different result you might ...
by Dead Man Walking
Mon Jan 16, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Selling Old Coins?
Replies: 20
Views: 1898

Re: Selling Old Coins?

Taylor,

I have about a hundred coins which aren't highly collectable. I considered selling them until I discovered that grading and selling them would be a hassle. I decided to leave them to my heirs. It's my punishment for their past transgressions. Revenge from the grave!

DMW
by Dead Man Walking
Sun Jan 01, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: The man vs. machine argument and how thinking can hurt you!
Replies: 26
Views: 2839

Re: The man vs. machine argument and how thinking can hurt you!

I was surprised to see that Vanguard Small Cap Value Index ranked in the 55th percentile. Is its ranking due to the index it tracks?

DMW
by Dead Man Walking
Thu Dec 29, 2016 2:35 am
Forum: Investing - Theory, News & General
Topic: High Dividend Yield Index Fund
Replies: 33
Views: 5242

Re:

SDY yields 3.5%, ER .34%. "This ETF is based on Standard & Poor's High Yield Dividend Aristocrats Index of the 50 highest-yielding stocks in the S&P 1500 index that have increased dividends for at least 25 consecutive years. The index is weighted by yield, which "accentuates the e...
by Dead Man Walking
Thu Dec 29, 2016 2:16 am
Forum: Investing - Theory, News & General
Topic: High Dividend Yield Index Fund
Replies: 33
Views: 5242

Re: High Dividend Yield Index Fund

I'm amazed that the revival of my original post received three times as many responses as my original post. BTW, I didn't invest in the fund.

DMW
by Dead Man Walking
Wed Dec 21, 2016 2:21 am
Forum: Investing - Theory, News & General
Topic: Does janus add value, continuing my series on the performance of the leading active fund families
Replies: 15
Views: 2245

Re: Does janus add value, continuing my series on the performance of the leading active fund families

I always use the lowest cost versions available, so loads would not have been included. American is very disciplined in sticking with their asset classes, no style drift, and low turnover and relatively low costs. So in some ways closer to passive than many active funds. Also don't rely on "st...
by Dead Man Walking
Sat Dec 17, 2016 1:00 am
Forum: Investing - Theory, News & General
Topic: "Is a Robo-Advisor Right for You?"
Replies: 9
Views: 1635

Re: "Is a Robo-Advisor Right for You?"

Yes, there is a point where we can outsmart ourselves and be too clever for our own good. I always said that the key to investing success was buying good stuff and keeping it. The problem is that investors have difficulty determining what the good stuff is. Recent posts on this forum discuss the ad...
by Dead Man Walking
Fri Dec 16, 2016 6:26 pm
Forum: Investing - Theory, News & General
Topic: "Is a Robo-Advisor Right for You?"
Replies: 9
Views: 1635

Re: "Is a Robo-Advisor Right for You?"

Wonder when the algorithms will include factor based funds and/or ETFs. DMW Don't many of them already tilt to small value? (E.g., Betterment, Wealthfront, etc) I don't know how they determine asset allocation. I have visited the Betterment website; however, I didn't complete the registration proce...
by Dead Man Walking
Fri Dec 16, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: "Is a Robo-Advisor Right for You?"
Replies: 9
Views: 1635

Re: "Is a Robo-Advisor Right for You?"

Wonder when the algorithms will include factor based funds and/or ETFs.

DMW
by Dead Man Walking
Sun Dec 04, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Nice short Vanguard videos on factor based investing
Replies: 31
Views: 3357

Re: Nice short Vanguard videos on factor based investing

My conclusion: the current offer of factor ETF's/funds for retail investors is sub-par. Factor portfolios require a high degree of customization: what factors to include, how to measure them, how to weight them, and how to avoid imbalanced factor exposure. You have described the crux of the problem...
by Dead Man Walking
Fri Nov 25, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: Approaching the S&P 500 like Benjamin Graham
Replies: 13
Views: 2551

Re: Approaching the S&P 500 like Benjamin Graham

Ben may be analyzing factors.

DMW
by Dead Man Walking
Sat Nov 12, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: How to model Commodities historical returns pre-2003
Replies: 8
Views: 793

Re: How to model Commodities historical returns pre-2003

CCFs were a hot topic a few years ago. I believe that factor based funds are currently the hot topic.

DMW
by Dead Man Walking
Sat Nov 12, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: The performance of trendy mutual funds
Replies: 6
Views: 1043

Re: The performance of trendy mutual funds

Would these trendy funds include factor based funds?

DMW
by Dead Man Walking
Sat Nov 12, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13211

Re: Anybody regretting holding on to your REITS?

Why doesn't Vanguard include REITs in their Target Retirement Funds? The experts at Vanguard included international bonds in their Target Retirement Funds for the sake of diversification. REITs would seem to add diversification to those funds.

DMW
by Dead Man Walking
Sat Oct 29, 2016 1:27 am
Forum: Investing - Theory, News & General
Topic: Wait until after election to add to Roth IRA?
Replies: 16
Views: 2357

Re: Wait until after election to add to Roth IRA?

Is a delay of 9 days going to make that much of a difference? I'm sure someone can produce some statistics that proves that there were 9 day periods that made astronomical differences in returns. Did they occur after presidential elections since records began? Some of my greatest investment mistakes...

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