Search found 439 matches

by Longtermgrowth
Fri Dec 08, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Pepsi moving from NYSE to NASDAQ
Replies: 5
Views: 629

Re: Pepsi moving from NYSE to NASDAQ

I too am curious about others view of the change. As of now, I have no clue if it's viewed as a step up or not! snarlyjack, Kraft Heinz Co is mentioned in that article as already being on that exchange, and it's currently listed as holding #49 for VYM on Vanguard's site. Edit: An interesting compari...
by Longtermgrowth
Fri Dec 08, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1131

Re: GPS tracker for loved one w Alzheimer’s

It might not hurt to ask the police department. Here, an officer will come out and provide one free of charge.
by Longtermgrowth
Thu Dec 07, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1824

Re: Fuel Additives for 2017 Toyota Camry

If you use top tier fuel, throwing a fuel system cleaner in once a year at your annual mileage may not even have much to clean. http://www.toptiergas.com I would never pay dealer for an additive that's more than likely very similar to techron complete fuel system cleaner. The trick is to find one of...
by Longtermgrowth
Wed Dec 06, 2017 12:20 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 2922

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

I don't think so... I like dividends, but I want the NAV of the fund to outpace inflation by as much as possible. Ideally even when not reinvesting dividends. Here's another thing to consider: "Fundamental View Modigliani and Miller’s dividend irrelevance theorem states that, ignoring taxes, informa...
by Longtermgrowth
Tue Dec 05, 2017 1:19 am
Forum: Investing - Theory, News & General
Topic: WisdomTree on Masters in Business Podcast
Replies: 4
Views: 389

Re: WisdomTree on Masters in Business Podcast

why? what is good about them? DES gets small value exposure done for U.S., though not in the most tax efficient manner. I will link a previous post of mine about Paul Merriman recommending it as an option a few years ago. Also, he currently lists DLS as the best option for international small value...
by Longtermgrowth
Tue Dec 05, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: WisdomTree on Masters in Business Podcast
Replies: 4
Views: 389

Re: WisdomTree on Masters in Business Podcast

Anyone own WisdomTree ETFs? Is it available to retail investors or only through a financial advisor? Is it worth the additional expense ratio? I hold them for small value stock exposure in the U.S., developed and emerging markets via ticker DES (WisdomTree U.S. Small Cap Dividend ETF), DLS (Wisdomt...
by Longtermgrowth
Sun Dec 03, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose one of these High Dividend Yield ETFs
Replies: 12
Views: 719

Re: Help me choose one of these High Dividend Yield ETFs

I know SCHD, VYM and VIG pay quarterly. I use some dividend funds to gain exposure to value stocks (varies depending on the fund selected), in an attempt to take advantage of the value premium. DES (WisdomTree U.S. Small Cap Dividend ETF) is the only one I hold that pays monthly. https://www.boglehe...
by Longtermgrowth
Sat Dec 02, 2017 5:57 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3048

Re: I'm 100% international with VEU. Is this wise?

...Maybe listening a bit more to Buffett's comments about betting against the U.S., the most powerful country in the world, would be of benefit... Maybe... maybe not... but it definitely removes the potential for regret if you're using the S&P500 as a benchmark. If you're betting on VEU as an activ...
by Longtermgrowth
Sat Dec 02, 2017 3:04 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3048

Re: I'm 100% international with VEU. Is this wise?

I would want more small caps via at least a low cost blend fund like VSS. They should derive more revenue from their local economies than the multinational large caps, and have less correlation to U.S. equities. Also, going past market cap weight international is a huge bet, that historically hasn't...
by Longtermgrowth
Fri Dec 01, 2017 1:11 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4546

Re: I Can "Afford" This Right? (New Car)

Why not a base Mustang GT? Strong 5.0 V8, fun to drive with the manual, can run regular fuel while only giving up about 5hp; can buy new for low 30k range...

The above is what runs through my head whenever I see reviews of the more expensive sports cars with very similar performance stats.
by Longtermgrowth
Tue Nov 28, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 129
Views: 11262

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Is the multifactor ETF going to be a combo of all the other factor ETFs?

I'll be keeping an eye on the value factor ETF...

Morningstar's talk about it: http://beta.morningstar.com/videos/8385 ... anger.html
by Longtermgrowth
Thu Nov 23, 2017 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 2091

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

I really enjoyed reading this, thank you for sharing. Happy Thanksgiving everyone!
by Longtermgrowth
Thu Nov 23, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Add international value?
Replies: 10
Views: 1185

Re: Add international value?

The big question now is whether to go "more Merriman" and add international value. I see that Paul added VYMI to his recommendations in the international large cap value bucket, but I can't find a Vanguard ETF for intl small cap value. If for no other reason than symmetry, I would rather have both ...
by Longtermgrowth
Mon Nov 20, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for job, should I freeze my credit now?
Replies: 6
Views: 950

Re: Looking for job, should I freeze my credit now?

I wonder how the credit lock, that's free at Equifax and TransUnion, ends up working for potential employer pulls. It's supposed to allow low threat pulls from insurance companies and employers, but doesn't say if it's only existing employers. I agree with everyone else that freezing (or maybe locki...
by Longtermgrowth
Sun Nov 19, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5649

Re: Holding VTSAX only

Even better go 50/50 VTSAX/VTIAX and call it a day. Add Total Bond funds when you get older. Simple.... At least some percentage of international stocks, it's a big world and currently over 6k stocks in Vanguard's Total International Stock Index. I keep referencing this thread from Mr. Larimore: ht...
by Longtermgrowth
Sat Nov 18, 2017 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 3184

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: 46
Views: 5649

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: 179
Views: 15139

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: 97
Views: 9808

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: 117
Views: 7790

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: 5360

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: 543

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: 18848

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: 18848

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: 18848

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: 4184
Views: 1114700

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: 1247

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: 1037

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: 50
Views: 5659

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: 3862

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: 3862

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: 3766

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: 112
Views: 11192

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: 112
Views: 11192

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: 3862

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: 112
Views: 11192

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: 1463

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: 3862

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: 915

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: 2187

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: 3862

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: 3862

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: 1247

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: 986

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: 986

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: 1247

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: 1247

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: 1247

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: 4615

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: 91
Views: 13189

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 :(