Search found 424 matches

by Longtermgrowth
Sat Nov 18, 2017 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 15
Views: 2449

Re: Why did Vanguard drop TurboTax?

Ah well, cept for those if us that are reaching a billion, I bet most everyone got where they are by watching where every dollar goes.
Noticed a discount for TT advertised on Merrill Edge; hopefully it still applies when tax time comes.....
by Longtermgrowth
Sat Nov 18, 2017 2:25 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 31
Views: 2908

Re: Holding VTSAX only

Shoot, I think Buffett lives for bear markets. I remember reading something about a comment from Buffett saying to not just bring a bucket out in the rain, but to bring the bathtub!

Dang, he ain't got time for it? Berkshire Hathaway has what, about 100 billion just waiting to deploy during it?
by Longtermgrowth
Fri Nov 17, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 160
Views: 12494

Re: Why pay cash for a car?

If buying new, a lot of times there are incentives/rebates that take thousands off MSRP paying cash. When offers like that are around, usually 0% APR is the alternative if financing. The last vehicle I bought had a 4k rebate, so that combined with negotiating below invoice, I didn't think I could ma...
by Longtermgrowth
Thu Nov 16, 2017 4:47 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 41
Views: 2719

Re: Buying and Spending Bitcoin

I just looked up Mycelium on my phone, and the first app coming up is "Mycelium Bitcoin Wallet". I noticed in comments that miner fees are getting outrageous, and saw a comment about fees being listed as 3usd, but turning out to be 18usd. No clue what type of transactions they were doing though...
by Longtermgrowth
Tue Nov 14, 2017 3:51 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6256

Re: Do you meditate?

I pray, but do not meditate. I view the two as polar opposites. Since discussion of religion or anything spiritual isn't appropriate on a financial forum, I can't elaborate.
by Longtermgrowth
Tue Nov 14, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5063

Re: Keurig died...what now?

I would go with a cheap little coffee brewer like the 5 cup Mr Coffee. It takes no time to put a filter in, scoop desired amount of coffee grounds, and brew a few cups. I like dark coffee without cream or sugar though... Another plus is that you can clean this type of cheap device as often as desire...
by Longtermgrowth
Mon Nov 13, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Alibaba added to Emerging Market Index/VWO?
Replies: 1
Views: 510

Re: Alibaba added to Emerging Market Index/VWO?

When I posted in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=231017&p=3595433#p3595433 I happened to check holdings of VWO on Morningstar, and at that time BABA still had the newly added stock symbol next to it. I like to call that symbol the Morningstar splat, because it remi...
by Longtermgrowth
Mon Nov 13, 2017 2:45 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18222

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

I guess it depends on whose numbers you're using. I pulled the figures I used from the Fidelity ETF comparison tool. It's really crazy how it can vary. There's a thread from siamond about a recent change in Vanguard's P/E numbers to align with Morningstar's that might be of interest: https://www.bo...
by Longtermgrowth
Sun Nov 12, 2017 3:13 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18222

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

Just looking at the metrics, I'd have to say that I'd prefer IJS over DES. The expense ratio is lower (0.25% versus 0.38%), its tracking error is much lower, efficiency is higher, it has lower concentration risk, and has outperformed DES over the last one-, three-, five-, and ten-year periods, with...
by Longtermgrowth
Sat Nov 11, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18222

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

So DES had a 3:1 stock split on 11-10-17. I had alerts popping up on my phone telling me DES was down 66% :shock: Even my brokerage told me I had those unrealized losses while showing 3x the shares and about the same dollar value as the day before. WisdomTree also added U.S. to the fund name, so it'...
by Longtermgrowth
Fri Nov 10, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100230

Re: U.S. stocks in freefall

I had alerts today "DES -66%!". Checked other small value indexes and they're fine. Went to a few other sites and they all show the same for DES. I'm thinking this has to be a 3:1 split, but still half ready to move cash to brokerage. Logged into brokerage account and I have 3x more shares of DES, b...
by Longtermgrowth
Thu Nov 09, 2017 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1209

Re: Sagestream freeze

I just found an interesting post by someone told to unfreeze their SageStream report for credit approval: "SageStream called me back. My SageStream was not frozen. They told me that the SageStream report includes a score from the Innovis report and that if Innovis is frozen then the score would not ...
by Longtermgrowth
Tue Nov 07, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: VOO versus VTI
Replies: 8
Views: 755

Re: VOO versus VTI

VOO may have a tax efficiency edge over VTI, if VTI continues having low 90% range Qualified Dividend Income. I currently have VTI in taxable, but may tax-loss harvest into VOO if the opportunity presents itself. I already have enough non-qualified dividends from my international funds and a domesti...
by Longtermgrowth
Mon Nov 06, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3904

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

I got a letter twice for the same fund. I went to my brokerage account, found links through there as I didn't quite trust the mail, and voted for that fund as well as two others I didn't receive mail about. It takes no time to do online, and has to save on mail expenses the faster we all vote. Certa...
by Longtermgrowth
Sat Nov 04, 2017 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

GridironGems wrote:
Thu Nov 02, 2017 8:34 pm
I am trying to set my settings to Reinvest Dividends on my VTI and VXUS ETF's, and it doesn't look like it will let me. Just has Transfer to settlement fund
Maybe just me, but I would just let dividends move to MM and direct them to whichever asset class is lagging at reinvestment time.
by Longtermgrowth
Sat Nov 04, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

I love how Mr. Lemongrab saves me time in responses and money in brokerage bonuses :sharebeer
by Longtermgrowth
Sat Nov 04, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3560

Re: How has your AA philosophy changed over the years?

I have to say, I didn't know anything before discovering Bogleheads. My searches brought me here first and foremost. Another reason I'm happy and yet sad about Google (I almost put a decent amount of money in their stock many years ago). Once here, no matter what asset allocation you decide on betwe...
by Longtermgrowth
Thu Nov 02, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 110
Views: 10280

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I'm not using WPA2, but I'm not sure that makes me anymore secure... Do you have a dead bolt on your front door? If so, then you should use wpa2 for similar reasons. If you don't lock your front door then I guess you don't need wpa2. Or, for that matter, none of the other less secure protocols. How...
by Longtermgrowth
Thu Nov 02, 2017 4:42 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 110
Views: 10280

Re: WPA2 protocol used by vast majority of wifi connections has been broken

So I checked my routers firmware version, went through the manufacturers website, and there is no upgrade for my device. Also while checking settings, I'm not using WPA2, but I'm not sure that makes me anymore secure...
by Longtermgrowth
Thu Nov 02, 2017 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

Vanguard's stock/ETF dividend reinvestment purchases occur at market opening, which is known to have wider ask/bid spreads. That is arguably the worst time to be making such automatic purchases. There is no bid/ask spread at the opening cross when Vanguard buys dividend reinvestment purchases. And ...
by Longtermgrowth
Thu Nov 02, 2017 2:10 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 110
Views: 10280

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I'm far enough away from my neighbors, I doubt any are even within range. Plus anyone out in the street, probably out of range, is getting their license plate checked with binoculars or I'm just checking the mail with a pistol on my side. I need to look into router software upgrades, no clue how it ...
by Longtermgrowth
Thu Nov 02, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1404

Re: Want to move kids' iPhones to a cell carrier without data overages

Yeah, just turn on safety mode and downgrade the data. Kids won't be able to stream youtube, but if they really want music, there are other ways to play it while on safety mode...
by Longtermgrowth
Thu Nov 02, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

I think once the portfolio gets larger, it won't make much difference either way. No need to incur capital gains tax if the ETF buying process doesn't bother you.
Who knows, maybe you'll want to transfer to another brokerage later on, and having ETFs makes it that much easier...
by Longtermgrowth
Tue Oct 31, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Should we still be investing in high grade gov bonds considering the amount of public debt?
Replies: 10
Views: 895

Re: Should we still be investing in high grade gov bonds considering the amount of public debt?

This thought has crossed my mind. Around what, 20 trillion for the U.S? I have fixed income invested mostly in direct CD's, but who backs the FDIC? :?
Current concerns ad missed, as far as bonds go, it seems U.S Government bonds are among the safest out of fixed income options...
by Longtermgrowth
Tue Oct 31, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Best to harvest Dividends to meet living expenses
Replies: 23
Views: 2124

Re: Best to harvest Dividends to meet living expenses

If dividends from stocks are needed, I would have them deposited into MM account; reinvest whatever is not needed. I currently have so much in fixed income, I'm reinvesting all dividends plus some from fixed income into stocks :oops:
by Longtermgrowth
Tue Oct 31, 2017 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

Vanguard's stock/ETF dividend reinvestment purchases occur at market opening, which is known to have wider ask/bid spreads. That is arguably the worst time to be making such automatic purchases. There is no bid/ask spread at the opening cross when Vanguard buys dividend reinvestment purchases. And ...
by Longtermgrowth
Mon Oct 30, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3700

Re: Buying Vanguard ETF's VTI and VXUS

This thread has me thinking about reading threads a while back, with one member mentioning they wouldn't bother buying with much less 7k per lot. It makes me wonder what the average lot size is for a Boglehead. The question regarding $80 in money market per month, why not just buy an extra share of ...
by Longtermgrowth
Mon Oct 30, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1209

Re: Sagestream freeze

Thanks for sharing that unfortunate ordeal. I hate to think how much more trouble it could have been if you hadn't saved those papers! Shows how important it can be to get a free report occasionally from these smaller agencies, along with the security freeze. I just learned about the ones other than...
by Longtermgrowth
Mon Oct 30, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Wrong amount of BABA in VT? [Vanguard Total World Stock]
Replies: 9
Views: 943

Re: Wrong amount of BABA in VT? [Vanguard Total World Stock]

triceratop wrote:
Mon Oct 30, 2017 1:15 am
Totally fascinating! The semiannual report lists the portion of the portfolio held in the ETF as being 0.2% of net assets.
Hah, yeah... Once down to #48 on VXUS, it really is a tiny percentage. After all, the top 10 holdings are only 8.5% of the funds current 6,273 holdings :)
by Longtermgrowth
Mon Oct 30, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: Wrong amount of BABA in VT? [Vanguard Total World Stock]
Replies: 9
Views: 943

Re: Wrong amount of BABA in VT? [Vanguard Total World Stock]

It's interesting that Vanguard has added BABA now. Not long ago, I was complaining that it wasn't included within VWO (Vanguard FTSE Emerging Markets ETF). I checked for it in VXUS (Vanguard Total International Stock ETF), and found another interesting detail in the list of holdings that I haven't s...
by Longtermgrowth
Sun Oct 29, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1209

Re: Sagestream freeze

I looked through the opt-out page on their site, but the way I read it, it only applies to Sagestream.

When I signed up on the OptOutPrescreen site, I figured it included the smaller agencies, but thinking about it now, they do just list the four larger ones on their main page (big 3 + innovis)...
by Longtermgrowth
Sat Oct 28, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1209

Re: Sagestream freeze

The Wiki includes Sagestream https://www.bogleheads.org/wiki/Credit_freeze , and from my research, it looks to be used as an alternative to the big three by some institutions. I have also found websites recommending a freeze of Sagestream for better approval on select cards, as one can have a good c...
by Longtermgrowth
Sat Oct 28, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1209

Sagestream freeze

Have many here felt the need to freeze at Sagestream if already having gone through the trouble to freeze at the others (chexsystems, innovis, the big 3)?

How did the phone call for the freeze go? Was it an automated system recording your voice for the required info?
by Longtermgrowth
Fri Oct 27, 2017 5:15 am
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4531

Re: How Well Do You Know About Retirement Income?

Interesting little quiz. I missed 3: 1 medicare and 2 health questions. My reaction to the percentage of the population that will require long term care :shock:
by Longtermgrowth
Fri Oct 27, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 75
Views: 9597

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Very cool. I would love to get an autographed copy, but doubt I'll be able to make it down to FL for a Boglehead meetup, if there is one :(
by Longtermgrowth
Fri Oct 27, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5122

Re: What is going on with the home insurance rates?

Is there anyone thinking calling Geico might help? I've found that the homeowners policy quotes from Geico aren't very competitive compared to some other companies, even after factoring in a discount because of having auto insurance with them. Of course your area may vary, but taking the time to ge...
by Longtermgrowth
Fri Oct 27, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 10
Views: 1033

Re: Question on new credit karma feature related to breaches

For those not signed-up with credit karma, one can check any email address here: https://haveibeenpwned.com/ I saw that in another thread. Makes me think of video games... pwned, power owned. Though unfortunately in this sense, it means a completely different thing than beating someone in a video g...
by Longtermgrowth
Fri Oct 27, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4230

Re: Experian Dark Web scan

Experian is advertising this heavily: A free scan of the so-called dark web to see if your info (specifically email id) is floating around there. (https://www.experian.com/consumer-products/free-dark-web-email-scan.html) Of course, as the fine print says there is a small catch: You consent to Exper...
by Longtermgrowth
Thu Oct 26, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5557

Re: Index investing is boring

I have a feeling the next recession will bring some excitement, -50+%, whoo! Time to sell some bonds and buy more stocks dirt cheap :wink: If you want to see more exaggerated ups and downs regularly, try a small cap value index :)
by Longtermgrowth
Thu Oct 26, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7020

Re: Innovis and ChexSystems freeze confirmation letters

I should have noted in my other post that both Innovis and ChexSystems were late on their projected time frame for receiving the PIN, but not by much more than a week for me.
by Longtermgrowth
Thu Oct 26, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 10
Views: 1033

Re: Question on new credit karma feature related to breaches

Looks interesting. I wonder if they will start monitoring Experian with this. It's odd that they only offer free credit scores from Transunion and Equifax... There probably is a reason why. I noticed in a blog post about this new feature they even suggested signing up for Experian's free service so...
by Longtermgrowth
Thu Oct 26, 2017 3:30 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7020

Re: Innovis and ChexSystems freeze confirmation letters

Froze both 2 days ago. I spoke with the CSR at Innovis. She said it would take 7 to 10 days for confirmation letter with the PIN. Other than the Equifax, Experian Transition <-- correction: "TransUnion" , Chexsystems and Innovis, any other freeze I need to do? Yes, SageStream , which is listed in t...
by Longtermgrowth
Thu Oct 26, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 10
Views: 1033

Re: Question on new credit karma feature related to breaches

Looks interesting. I wonder if they will start monitoring Experian with this. It's odd that they only offer free credit scores from Transunion and Equifax...
by Longtermgrowth
Wed Oct 25, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5230

Re: I just want to invest 200k and get 3%

Is it possible today? have 200k sitting in bank and want to find a place to get 3% on it. any ideas? It depends on your investment time horizon and risk tolerance. There's always the Vanguard High Dividend Yield ETF (VYM), which is right around 3% dividend yield. Of course that's 100% stock and can...
by Longtermgrowth
Mon Oct 23, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1305

Re: Larry Swedroe: Why Do Hedge Funds Exist?

Isn't a hedge fund traditionally to make money in other than long positions - i.e. to be able to profit in bad markets? Of course they get beat when the market does great. Curious what that index's performance looked like on prolonged weak/bear markets. Seems like Warren Buffett's bet would have go...
by Longtermgrowth
Mon Oct 23, 2017 3:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 2778

Re: Thank you Jack, Taylor and Mel!!

X 1,000,000 thank you's. There's so much I wouldn't understand about all aspects of finance, among other things, if it wasn't for this site, it's scary. Along with the three listed in the thread title, there really are too many to list, but on the top of my mind among forum contributors, livesoft fo...
by Longtermgrowth
Mon Oct 23, 2017 2:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1305

Re: Larry Swedroe: Why Do Hedge Funds Exist?

I'm going to click on the link after typing this reply. Because rich kids don't know what to do, and are too rich to care? Edit: Yes, after reading, I still think one would have many times expected life expenses if investing in such a fund. Especially if aware of such things explaining the inefficie...
by Longtermgrowth
Mon Oct 23, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World ex-US Small in taxable account?
Replies: 23
Views: 1159

Re: FTSE All-World ex-US Small in taxable account?

triceratop wrote:
Sun Oct 22, 2017 4:03 pm
As for the reason, notice that VSS has a very low portion of dividends which received qualified dividend treatment, as compared to VXUS.
It's a shame VSS barely has 50% Qualified Dividend Income. If it were around 70+%, it would look really good for me in taxable...
by Longtermgrowth
Sun Oct 22, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4230

Re: Experian Dark Web scan

The few things I've seen mentioned about it were negative. Here's an article about Experian: http://blogs.kit4security.uk/posts/2017/09/23/experian-criticized-over-credit-freeze-pin-security-and-dark-web-scans/ Experian really is heavily advertising. I've seen a number of Experian TV commercials, pu...
by Longtermgrowth
Sat Oct 21, 2017 4:27 am
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 7645

Re: Charles schwab - why so much cheaper?

At what point will I get paid 1bp to invest in an ETF? Asking for a friend. :mrgreen: With securities lending revenue returned to the fund, there might be a few examples of that already. My 401k has a fund with a negative ER, kinda. The ER is 0.22% but I receive a 0.25% rebate. It's contractual and...