Search found 469 matches

by Dead Man Walking
Tue Oct 17, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 21
Views: 1602

Re: The overselling of international diversification

What about international bonds? Is there a correlation with US bonds?

DMW
by Dead Man Walking
Tue Oct 17, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 62
Views: 4918

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I have some cash to invest. Should I wait for the correction to invest? Valuations matter, don't they? Will this correction raise inflation above the 2% that the Fed is hoping for so that they can raise interest rates? Will it cause unemployment to increase? How will the Fed respond to rising unempl...
by Dead Man Walking
Mon Oct 16, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4905

Re: 2018 Honda Accord

Are the seats receiving the complaints manually adjusted seats? The power seat in my 2007 Accord is comfortable when adjusted to the driver. Since I have back ailments, I often readjust the seat several times during a long drive. The power seat in my 2014 CR-V is better than the Accord and was bette...
by Dead Man Walking
Fri Oct 13, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3069

Re: My EJ portfolio vs my Vanguard, side by side

I wasn't aware that Edward Jones offered DFA Funds.

DMW
by Dead Man Walking
Fri Oct 13, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration
Replies: 47
Views: 8543

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

naha66 wrote:
Thu Oct 12, 2017 8:12 pm
What kind of experience does Wellington have in international investing?
Wellington Management is one of the managers for Vanguard's International Explorer Fund.
by Dead Man Walking
Wed Oct 11, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6304

Re: Asking for discounts

Many department stores give discounts if the buyer uses the store's credit card. Many will give the discount if the buyer applies for their credit card. I always tell them that I want the discount, but I'm only going to pay cash. No discount, no sale! Some cashiers have turned me away and have had t...
by Dead Man Walking
Mon Oct 09, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11628

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you w...
by Dead Man Walking
Mon Oct 09, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11628

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you wo...
by Dead Man Walking
Sun Oct 08, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 97
Views: 5125

Re: Has your "risk tolerance" been tested?

My risk tolerance is currently being tested. I've been investing since 1970; consequently, I have been through more than a few bears and bulls. My allocation has always been somewhat conservative - 60/40 through up and down markets. I'm retired and don't have a need to take risk, but I think my curr...
by Dead Man Walking
Sat Oct 07, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 928

Re: Does my Honda CRV need servicing?

You should read the maintenance schedule that came with the car. Coolant and brake fluid are a couple of things that are changed on a time schedule and may not appear on the maintenance minder, especially if it was reset after oil changes. Oil changes are required annually even if the mileage has no...
by Dead Man Walking
Sat Oct 07, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 814

Re: Credit Freezes and Deceased Persons

If the estate of the deceased has been through probate, forget about it.

DMW
by Dead Man Walking
Fri Oct 06, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Dividend yield vs. 10 year gov't bond
Replies: 10
Views: 901

Re: Dividend yield vs. 10 year gov't bond

Be sure to subtract the .5 - 1.5% Janus ERs from those dividends. A company more interested in selling new products than speaking frankly to customers about total return. Curious, I checked out the Global Equity Income Fund. The 0.99% ER is only one of the fund's flaws. The fund holds 82 stocks and...
by Dead Man Walking
Thu Oct 05, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3278

Re: Cash in a local bank or credit union

My friends and family think that I'm a paranoid geezer. I have a year or more of expenses in local banks. Due to several buyouts, my primary bank is one of the large national banks. I don't have any accounts with online only banks. I have deposit accounts with two community banks from which I only r...
by Dead Man Walking
Thu Oct 05, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4628

Re: Are stocks going up only because all the alternatives are lousy?

We keep hearing the warnings about high stock valuations and possibility of market losses, poor returns, etc. I believe it, but every time I think about what to do about it, all the other choices stink, so I stay in stocks. And they keep going up for no good reason that I can discern. Cash? no retu...
by Dead Man Walking
Thu Oct 05, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Dividend yield vs. 10 year gov't bond
Replies: 10
Views: 901

Dividend yield vs. 10 year gov't bond

A friend shared the fall 2017 Janus Henderson Report with me. The report was an advertisement for their Global Equity Income Fund (HFQDX) and Dividend & Income Builder Fund (HDDVX). Part of the sales pitch was a chart comparing the dividend yield of a country's stocks to it's 10 year bond. I found t...
by Dead Man Walking
Thu Oct 05, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 189
Views: 12900

Re: Dividends vs. Capital Gains for Spending Needs?

I invest in equity mutual funds and reinvest dividends and capital gains. If I need money or rebalance, I sell shares. I don't calculate how much of my withdrawal or transfer is dividends or capital gains. Frankly, I don't understand this debate. Perhaps mutual fund dividends can be withdrawn when t...
by Dead Man Walking
Sun Oct 01, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4198

Re: Waxing my car!

Several years ago, I had the opportunity to speak with representatives from DuPont. They told me that using any good cleaner wax once a year on clearcoat finished cars was sufficient. I followed this advice and have been very satisfied. In my younger years, I was ocd about my cars. As I aged, I got ...
by Dead Man Walking
Sun Oct 01, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3717

Re: For buying house: how do you know which schools are "good"?

I've read that the most consistent factor in determining students' SAT scores was their 9 digit zipcode. I don't have a link to confirm this, but you can Google it.

DMW
by Dead Man Walking
Sun Oct 01, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question on free credit report/monitoring from Experian
Replies: 3
Views: 483

Re: Question on free credit report/monitoring from Experian

I had been using the strategy you have described. I have the Experian free credit monitoring through AAA. The Experian monitoring seems to work. I receive a monthly email telling me that there hasn't been any suspicious activity regarding my credit. I have never received an alert. Since the Equifax ...
by Dead Man Walking
Sat Sep 30, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard
Replies: 15
Views: 2609

Re: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard

Vanguard is categorizing smart beta and factor-based funds as active funds. I agree with their categorization. Although these funds don't actively trade securities, their investments are based on quantitative algorithms. Someone had to write the algorithm that the computer uses to determine which se...
by Dead Man Walking
Sat Sep 30, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 3723

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Lots of good reasons to convert noted above. Another way to look at the conversion issue -- is there any downside to converting? The only one that I can think of is a change in income tax rates that would lower your marginal tax rate. When I retired 17 years ago, I started making conversions annual...
by Dead Man Walking
Fri Sep 29, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8569

Re: VG wants everyone to transfer to a brokerage account?

I may be wrong, but the conversion to brokerage accounts may be for marketing ETFs. ETFs are being created to cover nearly every type of investment. Vanguard is creating ETFs to remain competitive with other investment companies. I don't buy the argument that having two platforms is more expensive. ...
by Dead Man Walking
Fri Sep 29, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 6997

Re: VG using outsourcing to call me & I'm not happy

But I really miss Rachel -- haven't heard from her in months. Me, neither. Where is Rachel. I hope she's okay :-) We received a call from credit card services a few days ago. They have changed the name of the woman making the call. My wife can't remember the new name. My guess is that Rachel became...
by Dead Man Walking
Fri Sep 29, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12797

Re: Why do you LBYM? Why do you save and invest?

Because I hate my profession, but I invested years of my life into getting a degree and license for the earning potential, so I cannot (or should I say, choose not to) turn back. This speaks to me on so many levels. I felt the same way, but I stayed the course for the pension. My grandfather told m...
by Dead Man Walking
Fri Sep 29, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2828

Re: Vanguard Brokerage Accounts

Bogleheads - When I previously talked with a Vanguard Client Representative, I asked if eventually all clients will be converted on one platform. The answer was "yes" at some point in the future. I would suspect it is a lower cost to manage one platform. After reading this thread, I think that I'll...
by Dead Man Walking
Tue Sep 26, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Alternate investment strategies
Replies: 15
Views: 1930

Re: Alternate investment strategies

Let's see a decade ago it was collateraized commodity futures ala PCRIX/PCRDX then it was managed futures via AQMIX/QMHIX and we have seen how that has turned out. Now it's reinsurance interval funds via SRRIX which has sold off 15% the past month and now negative 10% YTD. Stay the course with the ...
by Dead Man Walking
Tue Sep 26, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46931

Re: Equifax customer information leak

According to Krebs on Security, a freeze at Chex Systems will prevent thieves from opening checking and savings accounts in my name. I assume that it would prevent me from buying certificates of deposit from banks as well. Would this be the case at banks that I already have certificates of deposit ...
by Dead Man Walking
Tue Sep 26, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46931

Re: Equifax customer information leak

According to the Chex Systems website, a freeze on my report will prevent thieves from opening checking and savings accounts in my name. I assume that it would prevent me from buying certificates of deposit from banks as well. Would this be the case at banks that I already have certificates of depos...
by Dead Man Walking
Sun Sep 24, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8314

Re: Where do you get your news?

I get a local newspaper every morning. In addition to local coverage it has national news provided by the Associated Press. I never watch Fox News, MSNBC, or CNN. The gasbags on those channels make me sick. I do watch a regional channel for the weather and sports and the CBS news for a summary of br...
by Dead Man Walking
Sun Sep 24, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3223

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I believe that the fwd model has traction control. With traction control, I doubt that most people would need awd. That being said, as a senior citizen, I chose awd for my CR-V because I live in rural Ohio. I have an Accord with traction control and have never had problems with traction on snow cove...
by Dead Man Walking
Sun Sep 24, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6176

Re: What is your favorite reasonably priced bourbon?

I think you've gotten a lot of suggestions that may be tough to make sense of. You might want to consider whether you like high-rye, low-rye, or wheated bourbon. I'm partial to high-rye bourbon and like full fledged rye whiskey quite a bit (High West Rendezvous Rye is my favorite). This guide from ...
by Dead Man Walking
Sat Sep 23, 2017 1:21 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6176

What is your favorite reasonably priced bourbon?

I drink bourbon neat with no ice. I've purchased some expensive bourbons and received some as gifts. To date, Four Roses Small Batch is my favorite. It is reasonably priced and has great flavor. I'm open to suggestions and criticism from my fellow Bogleheads. What is your favorite reasonably priced ...
by Dead Man Walking
Fri Sep 22, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 9748

Re: Why is TransUnion pushing True Identity vs credit freeze?

When I tried to freeze my credit at Transunion, I was informed that I had an account with them after I had entered my personal data. About ten years ago, my information was on a disc that was "misplaced" by a health care provider. The health care provider gave me a subscription for a year to Transun...
by Dead Man Walking
Thu Sep 21, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1883

Re: Vanguard PAS Seems Inflexable

Although I'm older than you, I recently went through a similar situation. My portfolio is more complicated than yours since I hold some active funds and have a slight tilt to small caps. I also have reservations about international bonds. In fact, I've been warned by the moderator for making unaccep...
by Dead Man Walking
Mon Sep 18, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11838

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Should investors avoid funds that invest in the 40% of domestic stocks that pay dividends and the 60% of international stocks that pay dividends? This would be a strategy pursuing capital gains and tax efficiency.

DMW
by Dead Man Walking
Thu Sep 14, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 5936

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Those risk tolerance surveys that ask how an investor would feel about a 50% loss should also point out that a 50% loss requires a 100% gain to get back to even. Most would love to see a 100% gain; however, that gain loses its luster when one realizes that he is only getting back to his starting poi...
by Dead Man Walking
Sun Sep 10, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2825

Re: Who actually buys lottery scratch offs?

I've never bought a scratch off ticket. I occasionally buy a power ball ticket when the prize is astronomical. My purchase is usually because the person in front of me at the cashier bought tickets and made me aware of the size of the prize.

DMW
by Dead Man Walking
Wed Sep 06, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage missing $ again
Replies: 19
Views: 3062

Re: Vanguard Brokerage missing $ again

Vanguard wants everyone to switch to a brokerage account. I think I'll keep my regular mutual fund account.

DMW
by Dead Man Walking
Wed Sep 06, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4039

Re: Does anyone use Driving Shoes?

I'm diabetic and bought a pair of diving shoes when visiting a beach which had a lot of sea shells which could cut my feet. They have thin soles, a mesh top, and fit like a sock. I found that they are excellent driving shoes. They are cold during northern winters, so I take a pair of street shoes to...
by Dead Man Walking
Tue Sep 05, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9446

Re: Value Factor Investing is not Value Investing

Your return data has issues. Large cap growth has just had a huge run so you are comparing the data at the later part of one outperforming. No one disagrees that growth outperforms at times but when you compare rolling time periods, value wins in the end. It has been that way for hundreds of years....
by Dead Man Walking
Mon Sep 04, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5205

Re: Coyote Defense

They are smaller than most big dogs and are afraid of humans . They weigh like 50 lbs Not anymore. This is the real problem now in suburban and urban areas. Coyotes in these areas have increasingly lost their fear of humans. Their fear of humans is definitely different in suburban areas. I live in ...
by Dead Man Walking
Mon Sep 04, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9446

Re: Value Factor Investing is not Value Investing

Your return data has issues. Large cap growth has just had a huge run so you are comparing the data at the later part of one outperforming. No one disagrees that growth outperforms at times but when you compare rolling time periods, value wins in the end. It has been that way for hundreds of years....
by Dead Man Walking
Mon Sep 04, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9446

Re: Value Factor Investing is not Value Investing

A few thoughts based on several of the above posts: Factor-based funds available to retail investors have a very short history; therefore, it may be too soon to draw realistic conclusions about their performance and risk. Value is a term that has many meanings when applied to investing in stocks. So...
by Dead Man Walking
Fri Sep 01, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3718

Re: Discover card inquiry about income and liquid assets

Glad to see that I am not the only one who experienced this. As usual, I learned a lot from fellow Bogleheads. I gave them ballpark numbers since they didn't ask for any sensitive information about my identity. They also asked if I owned my home and what my monthly rent or mortgage payment was. Wha...
by Dead Man Walking
Fri Sep 01, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3718

Re: Discover card inquiry about income and liquid assets

Glad to see that I am not the only one who experienced this. As usual, I learned a lot from fellow Bogleheads. I gave them ballpark numbers since they didn't ask for any sensitive information about my identity. They also asked if I owned my home and what my monthly rent or mortgage payment was. What...
by Dead Man Walking
Fri Sep 01, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3718

Discover card inquiry about income and liquid assets

Discover card recently informed me that the federal government requires that they determine my income and liquid assets before setting the limits of my credit card. I have been a member since 1987 according to the information on my credit card. I don't recall the credit limit that was assigned to me...
by Dead Man Walking
Thu Aug 31, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5205

Re: Coyote Defense

They are smaller than most big dogs and are afraid of humans . They weigh like 50 lbs Not anymore. This is the real problem now in suburban and urban areas. Coyotes in these areas have increasingly lost their fear of humans. Their fear of humans is definitely different in suburban areas. I live in ...
by Dead Man Walking
Wed Aug 30, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Carry Factor Spans Assets
Replies: 14
Views: 1900

Re: Larry Swedroe: Carry Factor Spans Assets

Buckingham recommends AQR Style Premia Alternative Fund (QSPRX) which incorporates a multi-asset approach to the carry trade, allocating 14% of its exposure to carry in bonds, currencies, and commodities. AQR seems to have determined that 14% is the optimal exposure to those 3 asset classes. Is the ...
by Dead Man Walking
Mon Aug 28, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 6870

Re: Review with Me Larry Swedroe's new book

I own Larry Swedroe's book. <snip> The one critique, and it's admittedly quite mild, is I wish that he could do more to discuss "live" portfolios. Buckingham will be happy to create and manage a "live" factor based portfolio if you pay them between $10K and $40k/yr (depending on size of AUM) :D Jus...
by Dead Man Walking
Thu Aug 24, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 5105

Re: Quietest tire for 2017 Honda CRV?

What are the chances of taking a new car into Discount Tire and getting a good deal on swapping out the OEM tires for a set of Michelins? Do they do such a thing? I have no experience with Discount Tire; however, a local tire distributor in my area does accept OEM tires as trade ins. I have never m...