Search found 306 matches

by Longtermgrowth
Thu Jul 27, 2017 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 90
Views: 3534

Re: Should you wait until the due date to pay credit card balance?

That was a purely cosmetic problem. Occasionally their system temporarily cries wolf, then it all settles down within a day. It's apparently a well known glitch with BoA, but it's harmless once you realize the nature of the glitch. Thanks for the reply, I hope they get that taken care of soon if it...
by Longtermgrowth
Thu Jul 27, 2017 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 90
Views: 3534

Re: Should you wait until the due date to pay credit card balance?

That was a purely cosmetic problem. Occasionally their system temporarily cries wolf, then it all settles down within a day. It's apparently a well known glitch with BoA, but it's harmless once you realize the nature of the glitch. Thanks for the reply, I hope they get that taken care of soon if it...
by Longtermgrowth
Thu Jul 27, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Sector percentages/tilting?
Replies: 15
Views: 683

Re: Sector percentages/tilting?

100% of VBR & VSS are represented in VT, so I am not sure what your statement about 0% overlap is referring to. Having said that, this looks like a perfectly reasonable AA for someone that wants to hold close to market-weight for US vs. Ex-US, but with a tilt towards Small/Value. Not sure what ...
by Longtermgrowth
Thu Jul 27, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 90
Views: 3534

Re: Should you wait until the due date to pay credit card balance?

I don't "wait" a nanosecond. I simply set up all credit cards (I have many) to automatically pay the statement balance on the payment due date. The credit card companies "pull" from my checking account, so I don't have to worry about timing. They're all about the same time of mo...
by Longtermgrowth
Wed Jul 26, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration
Replies: 14
Views: 1706

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

Looks like by adding a decent percentage of international stocks and bonds, these funds are basically a conservative and aggressive actively managed LifeStrategy Fund focused on income...
by Longtermgrowth
Wed Jul 26, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 90
Views: 3534

Re: Should you wait until the due date to pay credit card balance?

With the cards I've tried autopay on, they automatically debited on the due date without giving me the option to set it sooner. This made me nervous of a possible late payment, so I manually pay it myself usually within a few days of the statement date.
by Longtermgrowth
Tue Jul 25, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 57
Views: 5147

Re: Living Off Dividends

I suppose if nothing happens that hasn't already happened in the last 90 years, it could work alright. I seem to remember reading somewhere on here about a study showing that to be 100% sure of success, to plan for somewhere around a 50% cut in dividends. Seems a bit extreme, but who knows what the ...
by Longtermgrowth
Sat Jul 22, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3384

Re: Healthiest Beer for the Buck

Some interesting responses. Always like hearing others point of view, especially on this forum since there are some really smart posters here. Thanks for the link, fposte.
by Longtermgrowth
Sat Jul 22, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3384

Re: Healthiest Beer for the Buck

Mods: if this link is inappropriate to post, please remove. It's what really got me thinking about what's in my beer: https://foodbabe.com/2013/07/17/the-shocking-ingredients-in-beer/ SrGrumpy: I think I read a more recent article mentioning that Guinness stopped using fish bladder as an ingredient;...
by Longtermgrowth
Sat Jul 22, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3384

Healthiest Beer for the Buck

Question for those of you that look at the ingredients in your beer: What do you settle on for the cheapest beer with the least harmful ingredients? For those that haven't looked it up, I'm thinking mainly about dextrose and/or maltose being used, or other GMO (genetically modified organisms, i.e. s...
by Longtermgrowth
Sat Jul 22, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 7782

Re: Larry Swedroe: REITs Aren't Special

Personally, I've exchanged REITS for alternatives discussed in other threads: AQR Style Premia, TS Momentum, Alternative Lending, Reinsurance, Risk Variance Premia. Dave I remember looking into Reinsurance after reading some of Mr. Swedroe's articles about it, but it seems not too easily accessible...
by Longtermgrowth
Wed Jul 19, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 5639

Re: Investment advice for $4 million - can I do all stocks?

You'll probably be "that guy" who lost a bunch of money when the stock market crashed. But I guess that is a high quality problem if you don't need the money and you can ride through it. Shoot, I think many of us here will be that guy in the next crash. If a percentage of the dividend yie...
by Longtermgrowth
Mon Jul 17, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5274

Re: Thoughts on individual dividend investing?

Haven't thought about it much, but a heck of a deal for equal weighting at 12 basis points. Most studies dividend-wise seem to excel with yield or equal weighting. Some older studies with dividend size as the weighting factor are getting left behind the last ten years. Something eclectic is happeni...
by Longtermgrowth
Fri Jul 14, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2699

Re: Do you pay fees to buy funds or ETFs?

No, I have 100 free trades a month at Merrill Edge. It's almost a bad thing because I just buy the funds I like. Currently holding 3 Vanguard, 3 WisdomTree and 1 Schwab ETF.
by Longtermgrowth
Thu Jul 13, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Equities Exposure, Overlap
Replies: 6
Views: 408

Re: International Small Cap Equities Exposure, Overlap

A couple hundred stocks comparing a combination of those funds is probably nothing more than noise. If you want to tilt to small caps, that would be a good reason to add VSS. Maybe I misread the OP, but I think the point is only a few hundred overlap! There are thousands not included in the market-...
by Longtermgrowth
Thu Jul 13, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Equities Exposure, Overlap
Replies: 6
Views: 408

Re: International Small Cap Equities Exposure, Overlap

A couple hundred stocks comparing a combination of those funds is probably nothing more than noise. If you want to tilt to small caps, that would be a good reason to add VSS.
by Longtermgrowth
Thu Jul 13, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1862

Re: International Value Tilting

Do the arguments about about US value apply to international funds as well ? When reading through various threads about the small value premium, I seem to remember it being mentioned it should be even more so internationally. Besides lower valuations compared to US, how much longer have small value...
by Longtermgrowth
Wed Jul 12, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 1862

Re: International Value Tilting

Hi all, Do you tilt toward value internationally? If so, what funds do you use? I'm using DLS (WisdomTree Intl. SmallCap Div Fund ETF) for developed small value and DGS (WisdomTree Emerging Mkts Small Cp Div Fund ETF) for emerging small value. Do the arguments about about US value apply to internat...
by Longtermgrowth
Mon Jul 10, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 14235

Re: Dividend Misunderstandings & Only Spend Return

Here is the updated study from Professor Jeremy Siegal going through 1957 thru 2012. The results are fairly current, with 55 years of analysis. You must keep in mind that the High Dividend Yield Index Fund is NOT the same screening or analysis as Professor Jeremy Siegal study. But it does a % compa...
by Longtermgrowth
Mon Jul 10, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2246

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

If you know you want Vanguard funds, and are considering investing at Vanguard, you can use Vanguard mutual funds instead of ETFs. The funds are easier to deal with, and you can buy exact amounts, to the penny. Once you have 10K in a Vanguard index fund you get Admiral shares which have the same ER...
by Longtermgrowth
Mon Jul 10, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11488

Re: Paul Merriman: The One Fund Every Investor Should Own

Very cool to get a response from Mr. Merriman himself! I would also like to thank him for everything he's done for the little guy. I enjoy his podcasts and think the whole Motif deal with his fund picks is the next best thing to him actually creating an ETF or two. How awesome would it be to have a ...
by Longtermgrowth
Mon Jul 10, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2246

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Since I plan to buy and hold VTO, VWO, VBR only, TDAmeritrade seems the better option at this point. Thought it may have been a typo in the first post, but you mentioned VTO again. Do you mean VTI (Vanguard Total Stock Market ETF)? Between the two, I would personally go with TDA for the better cust...
by Longtermgrowth
Sun Jul 09, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors
Replies: 5
Views: 1457

Re: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors

Love the title :D It certainly grabs attention. Kind of funny, I had yelawolf pop the trunk playing when reading this. Talking about individual stocks? Don't make me go pop the trunk on you!
by Longtermgrowth
Thu Jul 06, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11488

Re: Paul Merriman: The One Fund Every Investor Should Own

One other possible choice might be JKL, iShares Morningstar SCV ETF. It has a lower ER than RZV (0.30% vs 0.35%) and has slightly larger exposure to SCV (65% vs 61%). RZV is more "pure small-cap", due to JKL's 9% combined mid-large-cap value, but it seems like at least a viable option for...
by Longtermgrowth
Mon Jul 03, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11488

Re: Paul Merriman: The One Fund Every Investor Should Own

In the above article, Merriman suggests VBR, the Vanguard Small Cap Value Fund ETF. In this article, http://paulmerriman.com/not-vanguard-funds-created-equal/ he compares VBR (which tracks the CRSP US Small Cap Value Index) and VTWV, the Vanguard Russell 2000 Value ETF. He finally recommends VTWV b...
by Longtermgrowth
Mon Jul 03, 2017 3:22 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11488

Paul Merriman: The One Fund Every Investor Should Own

Came across the link for this article posted on the Morningstar forums, and even though it was originally written a few years back, thought some here might enjoy the short yet informative read: http://paulmerriman.com/the-one-fund-every-investor/
by Longtermgrowth
Sat Jul 01, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 2403

Re: SP500 vs High Dividend Yeld Global Stocks

VTV (Vanguard Value ETF) does tilt slightly more towards value than VYM (Vanguard High Div Yield ETF), but both are solidly in value territory and a decent bit cheaper than the market. I've seen VYM recommended over VTV before, considering the slightly lower volatility and possibly less variation in...
by Longtermgrowth
Thu Jun 29, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 2403

Re: SP500 vs High Dividend Yeld Global Stocks

Reinvesting dividends without being taxed on them, very interesting! You say the fees are higher, how much higher? I'm curious what this global high dividend yield ETFs ticker is? Also, if just looking at valuations, I would pick the global high dividend yield fund over 100% US. Many here believe i...
by Longtermgrowth
Wed Jun 28, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 2403

Re: SP500 vs High Dividend Yeld Global Stocks

Am I missing something here? For long term growth investors it may be different, but for targeting a reasonably predictable income monthly from a portfolio, seems to me that a dividend ETF would be less volatile in that stream of payments,not forcing me to sell shares at the wrong time. Any thought...
by Longtermgrowth
Tue Jun 27, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 2403

Re: SP500 vs High Dividend Yeld Global Stocks

I know that for US investors dividends are of problem, but for European investors they are not because we have funds that automatically reinvest the dividends without having to pay any taxes. My question is: Does it make sense, to own a global high dividend yeld etf that automatically reinvest the ...
by Longtermgrowth
Tue Jun 27, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Price on ETF and the Mutual Fund, What?
Replies: 10
Views: 586

Re: Price on ETF and the Mutual Fund, What?

I wonder how high they generally let ETFs get before they split. All things being equal value wise, if there's an ETF that has a higher price, it makes lump sums easier. When my orders are over 500 shares, especially over 1k shares, I feel inclined to split them up.
by Longtermgrowth
Tue Jun 27, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One Money Market Increases to 1.10% APY
Replies: 5
Views: 806

Re: Capital One Money Market Increases to 1.10% APY

At least they moved it up some. I still think it would have been better on their part to add a higher tier interest rate on their savings accounts instead of starting a slightly higher rate for 10k and over money market. There was a thread here when the money market accounts started at Capital One. ...
by Longtermgrowth
Mon Jun 26, 2017 1:56 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 6617

Re: Your Favorite Vanguard Fund

“A warrior should not have a favorite sword” ~ Miyamoto Musashi If you read Musashi's “A Book of Five Rings” there's numerous stories of swordsmen who make the deadly mistake of relying on a favorite weapon or trying to replicate a previous success during a sword fight. I don't think investing is a...
by Longtermgrowth
Sat Jun 24, 2017 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 4117

Re: Is VG Total Stock Market Index too concentrated?

If you feel it's too concentrated in it's top holdings, instead of putting everything in TSM, allocate a percentage to a small cap fund like VBR (Vanguard Small-Cap Value ETF). I think there are quite a few here that tilt a significant percentage of their domestic equities to funds like VBR.
by Longtermgrowth
Sat Jun 24, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6597

Re: Your Favorite Portfolio Tilts

My current tilts: -Small Cap Value (VBR). -Consumer Staples (VDC). I think this one is a particularly good hedge to be in while valuations are as high as they currently are, in case of an imminent crash. This gets me the returns I want without waiting on the sidelines like a silly market timer! I a...
by Longtermgrowth
Thu Jun 22, 2017 3:21 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6597

Re: Your Favorite Portfolio Tilts

Domestic large value, VYM (Vanguard High Dividend Yield ETF), SCHD (Schwab US Dividend Equity ETF). Developed small value, DLS (WisdomTree International SmallCap Dividend Fund). Those three are my favorite, and I have the feeling I would do just fine, maybe even better than the total market funds in...
by Longtermgrowth
Thu Jun 22, 2017 1:41 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4658

Re: Help with Guns in Estate [how to sell]

I would certainly want to review handgunlaw.us before even transporting. It's sad how gun laws vary so much by state when the Second Amendment should say enough. I've gone through the trouble for a concealed carry permit, yet still can't legally carry in some states.
by Longtermgrowth
Thu Jun 22, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 3873

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

A-shares in MSCI will be less than 1%. Not sure if/how much that will increase. Morningstar seems to be saying it'll stay there which is much less than in VWO (FTSE). Makes sense that it would be a lower percentage in IEMG, since IEMG includes South Korea in the index, unlike VWO. If that 2030 fore...
by Longtermgrowth
Wed Jun 21, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 3873

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

How many A-shares does VWO (Vanguard FTSE Emerging Markets ETF) hold currently? So, will IEMG (iShares Core MSCI Emerging Markets ETF) look more appealing to anyone here after including 222 A-shares? IEMG also holds other not quite stocks (BABA, one other?) that VWO omits. Even though there are legi...
by Longtermgrowth
Mon Jun 19, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4705

Re: Dehumidifier woes

I saw that spec too and paused. I'm wondering if 2% is OK for preventing rapid cycling if the control plug isn't right next to the unit. We're talking heavy duty extension cord to get the controller farther away from the source of moisture. Edit to add: I also wonder if cutting the power to the uni...
by Longtermgrowth
Sun Jun 18, 2017 4:34 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4705

Re: Dehumidifier woes

I strongly recommend the Dayton plug. Looked it up and the price isn't too bad. The specs I find on it say that it has a "Differential +/- 1 RH %", which I'm thinking would be equivalent to a 2% swing going by what I was saying earlier. That would be the only thing discouraging me, since ...
by Longtermgrowth
Sat Jun 17, 2017 2:53 am
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1990

Re: Solar attic fans vs. regular turbines?

As far as we can tell there is no intake right now. Obviously we need to fix that. We plan to install six box vents for intake which is what most of the contractors recommended. Unfortunately as I mentioned before there is no room to install soffit vents. Box vents like gable vents on the sides of ...
by Longtermgrowth
Sat Jun 17, 2017 2:31 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4705

Re: Dehumidifier woes

I'm going to be in the market for a dehumidifier soon. I'm interested in the controller. It does make sense that a sensor on the unit would see lower humidity quicker than at a distance. Brand / Cost of the controller you use? I presume you set the dehumidifer at "min" or "always on&...
by Longtermgrowth
Fri Jun 16, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4705

Re: Dehumidifier woes

I have found that all of these cheaper, easy to obtain dehumidifiers (ie found in retail stores) internal dehumidistat will short cycle the unit because of the moisture left on the coils after it cycles off. They may also have a fairly low humidity swing on/off trigger point. Decided to get an exter...
by Longtermgrowth
Fri Jun 16, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1990

Re: Solar attic fans vs. regular turbines?

The first step I would take it so make sure you have adequate insulation and barriers in the attic, increase penetrations in the soffit for more air intake and finally more exhaust, in that order. Good advice and if soffit vents aren't an option, how about gable vents for intake? For those of us th...
by Longtermgrowth
Fri Jun 16, 2017 1:37 am
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 1134

Re: How do you get this Bogleheads page to go all the way across the screen

When I got a new widescreen monitor, I had to play around with Ctrl +, - for a while to find where I like it. It's at 133% zoom with resolution on 1360x768.
by Longtermgrowth
Thu Jun 15, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5862

Re: Have you canceled cable?

Right now I pay for internet/phone/cable together as a package. I was thinking of canceling the cable part and keeping phone and internet. Has anyone done this and opted for other means of watching your favorite shows? I know Amazon prime has shows and I'm not very up to date on other places to wat...
by Longtermgrowth
Wed Jun 14, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 5034

Re: Larry Swedroe: Persistence Of The Value Premium

Same goes for value vs. TSM. TSM may outperform over 15 years but if it does it likely won't be by much. Hence, you will not lose the farm with a full value strategy. The chances of good value strategies of outperforming by a percentage point or two are much greater IMO. That was my line of thinkin...
by Longtermgrowth
Sun Jun 11, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 5034

Re: Larry Swedroe: Persistence Of The Value Premium

I have come to the conclusion that if the average investor thinks he/she can simply invest in VBR instead of VTI and make more money, he/she is likely to be disappointed. It simply cannot be that easy. Looking at the portfolio growth chart in the time frame from 2005 to end of May 2017, VBR (Vangua...
by Longtermgrowth
Sat Jun 10, 2017 2:41 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 7375

Re: 100% Stocks For A Late Starter?

Guess it depends on the job situation along with current portfolio balance and expenses at forty something. Does the job offer a pension? Are you close to being 100% vested in pension? Does it cover a good chunk of living expenses if you were to retire tomorrow? If not, a decent percentage in bonds ...

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