Search found 372 matches

by Longtermgrowth
Thu Oct 19, 2017 3:36 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 9
Views: 775

Re: TD Ameritrade fund replacement

I've stated this in a few threads, but I'll repeat here. The current bid/ask spread on the State Street funds isn't the greatest, and if exchanging funds in a tax advantaged account, it's still going to have a cost. If there is a chance to transfer in kind to another brokerage, at least one of which...
by Longtermgrowth
Thu Oct 19, 2017 3:25 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 196
Views: 13957

Re: Dividends vs. Capital Gains for Spending Needs?

snarlyjack, I think exchanging the VDADX, VIG ETF equivalent Dividend Appreciation for Total Stock Market makes a lot of sense, though my previous question about the tax efficiency of Total Stock Index compared to the S&P 500 Index goes ignored. I think keeping the VHDYX index fund or VYM (Vanguard ...
by Longtermgrowth
Thu Oct 19, 2017 2:35 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 283
Views: 12894

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those here that have the option to transfer in kind, while either in a taxable account or tax advantaged, I see no negative to do so when there are options like Merrill Edge with a number of free trades (30 to 100 depending on assets) per month with 50k minimum... Just open a checking account wi...
by Longtermgrowth
Wed Oct 18, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3340

Re: anhybody buying bitcoin

Bitcoin is magical. The more expensive it gets, the more people like it. I believe there are two things going on. The technology behind Bitcoin, blockchain, is revolutionary. As technology goes that "changes everything" it changes everything. It is simply a very very very important innovation. Prob...
by Longtermgrowth
Wed Oct 18, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3340

Re: anhybody buying bitcoin

anybody buying bitcoin I'm buying with a small amount when I hear one guy just made 6 million with the investment of $ 50 k ( true story ????) so what do you take on this Back in 2011, I almost went through the trouble of making a coinbase account and putting maybe a hundred bucks in there just for...
by Longtermgrowth
Wed Oct 18, 2017 3:31 am
Forum: Investing - Help with Personal Investments
Topic: SPDR Portfolio ETF Large Cap choices
Replies: 2
Views: 236

Re: SPDR Portfolio ETF Large Cap choices

Yup, SPTM should be very similar to VTI (Vanguard Total Stock Market ETF). I see State Street just recently lowered expense ratios on a number of funds, making them competitive with the lowest cost options. Question is, will the competitive expense ratios be permanent? Also, watch out for higher bid...
by Longtermgrowth
Sun Oct 15, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1760

Re: Earplugs that work on low frequency noise?

As stated above, windows... I notice a big difference between solid wood frame windows and hollow frame vinyl. Avoid hollow frame vinyl. R20-30 cellulose insulation makes a big difference in an attic with lower amounts in the first place. If you ask them to change mowing times, don't threaten to cal...
by Longtermgrowth
Sun Oct 15, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3136

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

I would be comfortable with 100% of my US equities in an S&P 600 Value ETF. I would not be comfortable with more than 5% of my US equity holdings in AAPL.
by Longtermgrowth
Sat Oct 14, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1966

Re: Need help with current market (voo,vti)

Since VOO (Vanguard S&P 500 Index) and VTI (Vanguard Total Stock Index) are 80+% identical, with VTI including small cap stocks, for maximum diversification I would look at VTI + VXUS (Vanguard Total International Stock Index). If you're looking at holding these funds for decades, the saying time in...
by Longtermgrowth
Sat Oct 14, 2017 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32051

Re: Can't freeze credit at Experian?

Neither of us are on the list, but we decided to freeze our accounts, regardless. I'm curious what the Equifax site told you? For myself and others I know, it simply said "you may have been impacted". I've done freezing me credit with all the reporting agencies. I did everything online without any ...
by Longtermgrowth
Sat Oct 14, 2017 4:09 am
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 945

Re: Can I fund my dad's taxable account?

Could just gift him the money to start the account, say just write him a check. I believe anything less than 14k in one year doesn't require a gift tax return...
by Longtermgrowth
Sat Oct 14, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1760

Re: Earplugs that work on low frequency noise?

Seems any foam earplugs that block noise at the higher decibel number for their category should work, say foam 33db earplugs. If your wife isn't bothered by this, and otherwise hears things clearly, seems like a decent solution. Otherwise, if I were the only one around, I wouldn't want to dull my he...
by Longtermgrowth
Sat Oct 14, 2017 3:29 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3725

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

It can take a while to figure out that someone you're talking with is driving. Unless asking rather or not upon initial contact, it really could be a while before you hear something indicating it. That alone should be a fair indicator of liability on your end of the conversation. If feeling that str...
by Longtermgrowth
Sat Oct 14, 2017 2:53 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 1878

Re: Understanding What Makes Vanguard So Successful

rkhusky wrote:
Fri Oct 13, 2017 12:07 pm
Didn't seem to mention the cons of growing too fast, such as declining quality of customer support and technology. I haven't had any issues, but have seen complaints from others.
This is why I hold Vanguard funds at another brokerage :annoyed
by Longtermgrowth
Sat Oct 14, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Hybrid Liability Matching Portfolio checkup?
Replies: 9
Views: 400

Re: Hybrid Liability Matching Portfolio checkup?

At probably half your age, if I had 20x R/E property on top of my current portfolio, I would feel the need to do nothing but enjoy life. If attempting to simplify, I would just add it to existing asset allocation across current funds held. I also wouldn't feel too terrible putting some of it into a ...
by Longtermgrowth
Fri Oct 13, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 1878

Re: Understanding What Makes Vanguard So Successful

I always think about how Vanguard funds are the only funds that have my interests aligned with theirs, when putting money in any other funds.
It makes me cringe a little, thinking how things could change in the future, with that smaller percentage of my portfolio in non Vanguard funds.
by Longtermgrowth
Fri Oct 13, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2503

Re: I need a better online checking w billpay and mobile check deposit

Not sure why the varying limits. I parked a bunch of vanguard index funds with Merrill Edge to get their top tier BoA rewards, so maybe that's why? Deposit a bunch of rent checks of varying amounts each month, no problems. Not sure what other problems folks have had - depositing is very easy. I use...
by Longtermgrowth
Wed Oct 11, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6807

Re: Larry Swedroe: Non-US Valuations Look Attractive

Back when Mr. Swedroe was still posting on the forums last year, he said similar things. The lower valuations and diversification benefits of adding Developed and Emerging Small Value were enough to persuade me to add those funds. I'm still nowhere near global market cap weighting, but much higher p...
by Longtermgrowth
Tue Oct 10, 2017 1:17 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 196
Views: 13957

Re: Dividends vs. Capital Gains for Spending Needs?

All this talk about tax efficient funds got me thinking about Total Stock Market Index's low 90% range qualified dividend income in 2016. I remember reading that if the QDI is at a minimum of (or was it just above?) 95%, it counts as 100% QDI for the fund holders. How likely do you all think it is, ...
by Longtermgrowth
Mon Oct 09, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3703

Re: What specific changes have you made post-Equifax?

Froze ChexSystems and Innovis. Locked TransUnion and Equifax. Fraud alert at Experian for now; hoping they will come out with a free lock option soon, so I don't have to freeze there (I'm not paying a monthly fee for access to the lock option, which is currently the only way to lock at Experian). I'...
by Longtermgrowth
Sun Oct 08, 2017 2:34 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8069

Re: I'm thinking about cashing completely out of equites....

If I were that age with all the money I would ever need, feeling that way about equities, I might take some gains and buy an early SPIA (Single Premium Immediate Annuity) even though the mortality credits wouldn't be too great yet. Or simply buy more fixed income if the SPIA just seemed like too bad...
by Longtermgrowth
Sun Oct 08, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15079

Re: Bogle himself is saying we will expect like 3% for the next decades

Noticed at 2:23 Bogle said: "So today the dividend yield is 2%, the previous 50 year average or so is like 3.5% dividend yield, and that's a dead weight loss of 1.5% return." Got me thinking about the Vanguard High Dividend Yield Index currently being around 3%. Could that current 3% actually be abo...
by Longtermgrowth
Sun Oct 08, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4093

Re: So... What bond fund or bond-like instrument do you use?

Due to being at the low end of the interest rate spectrum, and personally not seeing the possibility of rates going negative in the near future, but slightly rising over the coming years, I have 100% of fixed income in 5 year CD's instead of bond funds.
by Longtermgrowth
Sat Oct 07, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 9990

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

When I tried to freeze my credit at TransUnion, they tried to persuade me to instead sign up for their True Identity product, making it sound like it's just like a credit freeze, but free. The freeze would cost $15. So why does TransUnion want me to use their free product, rather than the one they ...
by Longtermgrowth
Fri Oct 06, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25358

Re: Is a security freeze at Innovis really needed?

I'm still not sure what a "Global Credit Lift" is either. I did a search on that, and found a pdf instruction form for a temporary thaw of the big three. This is what it says at the end of the TransUnion instructions: "Please note: If you are in the state of Colorado and are requesting a lift you m...
by Longtermgrowth
Wed Oct 04, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3510

Re: Equifax to offer free “credit freeze” for life

mhalley wrote:
Tue Oct 03, 2017 9:46 pm
That’s why I put credit freeze in quotes, as we really don’t know exactly what it will be.
Indeed. Also, those that have signed up for the one free year of "TrustedID Premier" currently have the option to lock their Equifax credit report through their TrustedID Premier account.
by Longtermgrowth
Wed Oct 04, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: How to improve credit score
Replies: 23
Views: 1304

Re: How to improve credit score

The only easy thing I can think of is time: Average age of accounts, the higher the better. It's one factor many seem to not consider when thinking of closing that old card they've had forever, but no longer use.
by Longtermgrowth
Tue Oct 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3510

Re: Equifax to offer free “credit freeze” for life

I like the idea of the credit lock over the freeze because it should allow low threat pulls from employers, insurance, etc without having to unlock.

So now it is free to lock at two of the big three, but as far as I can find, Experian still requires a paid subscription to lock credit there :(
by Longtermgrowth
Thu Sep 28, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47034

Re: Equifax customer information leak

It also mentioned that the new CEO has promised to implement system by end January that "allows customers to fully control their own data"--whatever that means. When watching Nightly Business Report today, my initial impression was that they already made the free lock/unlock for life accessible. Sk...
by Longtermgrowth
Wed Sep 27, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 2990

Re: BH phone review: Moto G5 Plus

Another aspect of cell phones that I think should be part of every review, is their SAR (Specific Absorption Rate) rating: https://www.fcc.gov/general/specific-absorption-rate-sar-cellular-telephones I like that these Moto phones are water and shock resistant, but they are on the high end of RF ener...
by Longtermgrowth
Sun Sep 24, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 78
Views: 17822

Re: How Do You Like My New 'Doo

Interesting list of top holdings! I see some of the top holdings of Vanguard's Total International Stock Index in there, but unfortunately Alibaba (BABA) isn't included in the Vanguard international funds currently.
by Longtermgrowth
Sat Sep 23, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 78
Views: 17822

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: 78
Views: 17822

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: 112
Views: 11859

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: 112
Views: 11859

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: 112
Views: 11859

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: 711
Views: 47034

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: 112
Views: 11859

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: 576

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: 464

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: 711
Views: 47034

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: 333
Views: 20137

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: 3431

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: 3431

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: 11327

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: 9475

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: 9475

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: 9475

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: 53
Views: 9154

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: 9475

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...