Search found 341 matches

by Longtermgrowth
Sat Sep 23, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 68
Views: 15491

Re: How Do You Like My New 'Doo

My portfolio looks more complex than it really is. I have a Mutual Fund IRA which has active funds in it, a Brokerage IRA and a Brokerage Roth IRA, and three leftover workplace savings plans which are mostly indexed. I also have a small Variable Annuity and a couple of small pensions. My accounts, ...
by Longtermgrowth
Sat Sep 23, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 68
Views: 15491

Re: How Do You Like My New 'Doo

Imho, having 10 different funds is to much of a ER cost/drag. I wonder if you should stream line the funds down to 2 or 3. It's the blended ER of the funds in the portfolio that matters. I like inputting everything in Morningstar's "Instant X-Ray" to check the blended ER ("Average Mutual Fund Expen...
by Longtermgrowth
Fri Sep 22, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 113
Views: 10693

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There's also the question of how many stocks are needed to be sufficiently diversified. For U.S. large caps, I've seen it mentioned that a minimum of 50 should about get a portfolio there. 50 might get you there, but there is also evidence that you need as many as 100 to be fully confident of attai...
by Longtermgrowth
Thu Sep 21, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 113
Views: 10693

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There's also the question of how many stocks are needed to be sufficiently diversified. For U.S. large caps, I've seen it mentioned that a minimum of 50 should about get a portfolio there. So 100+ individual stock holdings if also investing in international large caps, omitting mid and small caps fr...
by Longtermgrowth
Wed Sep 20, 2017 4:23 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 113
Views: 10693

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

I use a dividend strategy in emerging markets small cap (DGS) that will induce a value tilt by overweighting the higher yielding payers. I do the same with all my small value tilts: DGS (WisdomTree Emerging Markets SmallCap Dividend Fund), DLS (WisdomTree International SmallCap Dividend Fund), and ...
by Longtermgrowth
Wed Sep 20, 2017 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 627
Views: 36756

Re: Equifax customer information leak

Anyone here just place a fraud alert on one of the big three? By law they have to notify the rest, and it stays there for 90 days. Would the fraud alert make freezing credit anymore difficult within the 90 day period? After all, currently we don't have 90 days left to place a free freeze on Equifax....
by Longtermgrowth
Wed Sep 20, 2017 12:44 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 113
Views: 10693

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

snarlyjack, I looked up the state you mentioned, curious if it gave preferential treatment to qualified dividend income or long term capital gains, and found it interesting that they do give a 2% capital gains tax credit: https://revenue.mt.gov/Portals/9/individuals/forms/2017_IITRates.pdf hoops777,...
by Longtermgrowth
Mon Sep 18, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 524

Re: Credit Freeze and Insurance quotes etc.

Hopefully the practice becomes illegal in all states soon, but so far it's just prohibited in: "A few states prohibit insurers from using consumer credit information – California, Massachusetts and Hawaii for auto insurance and Maryland and Hawaii for homeowners insurance." Source: http://uphelp.org...
by Longtermgrowth
Mon Sep 18, 2017 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Frozen credit while job hunting?
Replies: 2
Views: 442

Frozen credit while job hunting?

Are there general expectations employers have of those with frozen credit?

Since some employers don't check credit, does one just wait for them to mention that there will be a credit check, then ask which agency to thaw one's report at?
by Longtermgrowth
Fri Sep 15, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 627
Views: 36756

Re: Equifax customer information leak

Question for everyone: If applying for a job, what wouldn't you want to have frozen? The big three (Equifax, Experian, Transunion)? Is Innovis and ChexSystems alright to keep frozen? Edit: Since some employers don't check in the first place, do you just wait for them to ask you to thaw your report a...
by Longtermgrowth
Tue Sep 12, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 307
Views: 15829

Re: Iphone X is $1000

Did anyone else find the upper portion of the iPhone X unappealing? If the upper left and right only display battery power and signal strength, that's alright, but it has the background image in there too! It was annoying to me the first second I saw an image of it...
by Longtermgrowth
Tue Sep 12, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3180

Re: ownership of "small cap value" stocks

It would be interesting to know if this were true or not. Will hedge and/or quant funds stay in until they don't see short term gains or are they in for the long haul? Presumably funds like DFA SV are in for the long haul, but what about investors in DFA SV or similar? Investors in TSM presumably d...
by Longtermgrowth
Tue Sep 12, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 3180

Re: ownership of "small cap value" stocks

I remember a thread not long ago, stating that Vanguard recently changed the way they calculate P/E to something similar, or exactly like, Morningstar's Price/Prospective Earnings: forward-looking based on historical data. When I check Vanguard's site tonight, it's saying those numbers posted above ...
by Longtermgrowth
Sat Sep 09, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10797

Re: Anyone else freeze their credit score?

I've been thinking about it. Not sure if I'm one of the half of the U.S. population using credit affected by it or not, because I saw on Nightly Business Report that Equifax's website to check rather or not my information was hacked was also compromised. Since I have the credit cards I want, and don...
by Longtermgrowth
Fri Sep 08, 2017 3:40 am
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9041

Re: Value Factor Investing is not Value Investing

Random Walker wrote:
Fri Sep 08, 2017 12:46 am
See the Larry Swedroe 9/8/17'article posted above on "Deep Value"

Dave
Looks interesting. Thought I would add a link to the thread for those that can't find it easily later on: viewtopic.php?f=10&t=227248&newpost=3524205
by Longtermgrowth
Thu Sep 07, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9041

Re: Value Factor Investing is not Value Investing

When it's all said & done I believe what Jack Bogle said: "Expenses matter a lot" & "Buy & hold for the very long term" & "Buy the haystack". I think "factor" investing in a index fund would sacrifice the whole strategy, given the above restrictions. Essentially you are factor investing with the Hi...
by Longtermgrowth
Wed Sep 06, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9041

Re: Value Factor Investing is not Value Investing

Longtermgrowth, Thank you that is very good advice. I was 20 years old when my Mom died (I' am now 23 years old). When I started out I knew I didn't want to pay any commissions so that left me with Fidelity or Vanguard. After studying the difference between companies I picked Vanguard. One of the b...
by Longtermgrowth
Tue Sep 05, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 51
Views: 8325

Re: Capital One -- Again!

compoundloss wrote:
Tue Sep 05, 2017 3:06 pm
I still can't believe they axed remote check deposit without even mentioning it.
I know... I even started a thread about it: viewtopic.php?f=10&t=225932&p=3497411#p3497338
by Longtermgrowth
Tue Sep 05, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9041

Re: Value Factor Investing is not Value Investing

Another series of funds that might be interesting is: 1). High Dividend Yield Index Fund (large blue cap value companies, 2.9 or 3.0% dividend yield). 2). Dividend Appreciation Index Fund (medium cap growing dividend companies, 1.8 or 1.9% dividend yield). 3). Small Cap. Value Index Fund (small val...
by Longtermgrowth
Mon Sep 04, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 51
Views: 8325

Re: Capital One -- Again!

I just noticed I can't access any of my accounts through the new site, and I don't seem to be the only one. All I get are error messages. :oops: http://downdetector.com/status/capital-one Any luck yet? I tried tonight and I am getting a can't access through this server error. They sent an email abo...
by Longtermgrowth
Mon Sep 04, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: RFID wallet?
Replies: 28
Views: 3177

Re: RFID wallet?

I got to wondering how close someone with a smartphone, scanning for a credit card, would need to be to read the magnetic strip or chip in someone's wallet. Started searching and found various videos that made me nervous about it, but since I like my old wallet, I simply lined the unused pocket behi...
by Longtermgrowth
Thu Aug 31, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: Building Vanguard Tot Intl (VXUS)
Replies: 14
Views: 1404

Re: Building Vanguard Tot Intl (VXUS)

So there is no general consensus on VSS, low end being 10%, high end being 20% with the majority stake in VEU to build VXUS? Looking here: https://www.bogleheads.org/wiki/File:VanguardIntlFunds.jpg , it seems 10% VSS (Vanguard FTSE All-World ex-US Small-Cap ETF), 90% VEU (Vanguard FTSE All-World ex...
by Longtermgrowth
Sat Aug 26, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 5918

Re: Stocks On Sale - What do you buy?

Taylor, another great post. If I make it to 93 years of age, I hope I will be as sharp as you are. Same here. I need many years experience to get to that point of sharpness though, and I very much appreciate Mr. Larimore's continuous input when he could just spend all his free time out on the Bisca...
by Longtermgrowth
Fri Aug 25, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 41
Views: 6173

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

My initial thought when seeing the thread title was: Nice! More diversification with probably not too far off average duration if I was otherwise going with VCIT (Vanguard Intermediate-Term Corporate Bond ETF). However, after seeing that it is a fund of funds, or ETF of ETFs, I have the feeling that...
by Longtermgrowth
Fri Aug 25, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity - model ETF portfolio
Replies: 11
Views: 1288

Re: Fidelity - model ETF portfolio

In a taxable account I would go with the commission free ETFs ITOT (iShares Core S&P Total U.S. Stock Market ETF) and IXUS (iShares Core MSCI Total International Stock ETF) over the mutual funds, since there should be no capital gains distributions from the ETFs.
by Longtermgrowth
Fri Aug 25, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 1845

Re: Subaru - One tire bad replace all four?

Agreed at 7 years old to replace all 4. How many miles on them? How does the tread depth look? 31k miles. They said the tread was still good and are wearing evenly. Francis So one tire has visible dry rot, but all still have tread well enough above the wear bars? If I were replacing one tire due to...
by Longtermgrowth
Mon Aug 21, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13331

Re: I own no international stocks. Can you guess why?

Are you on a glide path from stocks to bonds, while choosing to sell stock funds with the least capital gains to avoid the tax hit?
by Longtermgrowth
Thu Aug 17, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Depositing checks by uploading image from computer?
Replies: 10
Views: 1098

Re: Depositing checks by uploading image from computer?

GuyInFL wrote:
Thu Aug 17, 2017 10:58 pm
My banks have all switched to deposit by phone camera only.
More than one?! Wonder if they are all going to do away with computer image upload...
by Longtermgrowth
Thu Aug 17, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Depositing checks by uploading image from computer?
Replies: 10
Views: 1098

Depositing checks by uploading image from computer?

Anyone know of a good online savings account for check deposits by pictures uploaded from computer? Capital One just took away this capability. Barclays says they are compatible with most computers and scanners, so they may work, but I always take a picture with a digital camera instead of using a s...
by Longtermgrowth
Tue Aug 15, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: New Dividends Appreciation data series - backtesting
Replies: 112
Views: 9510

Re: New Dividends Appreciation data series - backtesting

Very nice thread. Appreciate the work, siamond. I'm curious where everyone would put the Dow Jones U.S. Dividend 100 Index (SCHD, Schwab U.S. Dividend Equity ETF tracks this) compared to Vanguard's High Dividend and Dividend Appreciation. I've seen it mentioned a number of times that SCHD could be v...
by Longtermgrowth
Tue Aug 08, 2017 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Ultra Short Term Bond Fund
Replies: 6
Views: 949

Re: Ultra Short Term Bond Fund

The alternative seems to be to use floating rate loan ETFs like FLOT/FLRN. I have some free trades, (and anyway ETF trading costs are fairly low). When I looked into ETFs like those a while back, I liked the looks of MINT (PIMCO Enhanced Short Maturity Active ETF). It trades in high volumes and has...
by Longtermgrowth
Mon Aug 07, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 5055

Re: trying to understand total market and value investing

Here is a article that might shed some light on the subject. I don't consider myself a value investor or a growth investor. I consider myself a dividend investor... Dividend investors are value investors. You may be a bit quirky and naive but you are on my team :happy BTW if you are still looking f...
by Longtermgrowth
Thu Aug 03, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 21908

Re: Living Off Dividends

jbolden, Thank you... that was very interesting & informative! Glad you enjoyed. I know you realize that your explanation went over 99% of the people minds...even mine... But I do appreciate it :) But the real question is: How is the best way to profit from dividends assuming we only use Vanguard F...
by Longtermgrowth
Fri Jul 28, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: If you were under 30 and had $3000 to invest, what would you do?
Replies: 14
Views: 1257

Re: If you were under 30 and had $3000 to invest, what would you do?

Hello, I am new to this forum and would like some investing advice. I am an intermediate investor and would like some direction fromthe more veteran community. I am 29 years old with $3000 cash in hand that I would like to invest for retirement purposes. I am leaning towards a vanguard mutual fund ...
by Longtermgrowth
Fri Jul 28, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5818

Re: Vanguard Money Market vs. Savings Accounts

I am curious if many Bogleheads have a savings account? Since I don't have access to the Vanguard Money Market, I keep my liquid cash in an online "high yield" savings account. It's earning a little over 1%. I initially moved it to that savings account over the others because of a decent bonus at t...
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: 126
Views: 8403

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: 126
Views: 8403

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: 894

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 VG i...
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: 126
Views: 8403

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 month, and since the d...
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: 29
Views: 5434

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: 126
Views: 8403

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: 285
Views: 21908

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: 3671

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: 3671

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: 3671

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: 8666

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: 6013

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 yield of the ...
by Longtermgrowth
Mon Jul 17, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5619

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: 3001

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: 453

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-...