Search found 475 matches

by Dead Man Walking
Sat Oct 21, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2940

Re: Antivirus Software Recommendations

I use the premium version of AVG Internet Security. I also had the premium version of Malwarebytes until the most recent version of AVG. When AVG was updating, it informed me that the update would not install unless I uninstalled Malwarebytes. My computer guru confirmed that the conflict was real. I...
by Dead Man Walking
Sat Oct 21, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7070

Re: How many miles/years do you keep your car?

I don't put a lot of miles on my cars. I usually sell them when they start to nickel and dime me. I sold a 17 year old Mazda recently because little problems began to happen too often. The buyer got a low mileage car that had been well maintained.

DMW
by Dead Man Walking
Sat Oct 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10119

Re: anyone else not liking the new cars?

According to Consumer Reports, Honda's reliability rating has slipped to average. That hasn't been my experience, but I didn't want to test my luck. So far the CR-V has had no problems. I may have wasted about $2,100. Time will tell. I don't really trust Consumer Reports' reliability ratings. They ...
by Dead Man Walking
Sat Oct 21, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10119

Re: anyone else not liking the new cars?

Overall reliability maybe? Also, when we bought the car you go into the sales office and get the pitch for all the add-ons, like extended warranty, and the guy says with all the electronics installed these days you really want the extended warranty. Apparently this is not the BS it might have been ...
by Dead Man Walking
Fri Oct 20, 2017 12:57 am
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 9293

Re: Amazed by Vanguard Wellington's Performance

Are there any active funds that really cause you to consider that maybe it really is possible to outperform indexes? For me, Wellington definitely has to be one of them. Just for fun, I occasionally sometimes go to www.portfoliovisualizer.com and run comparisons. About a week or two ago, I wanted t...
by Dead Man Walking
Thu Oct 19, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 9293

Re: Amazed by Vanguard Wellington's Performance

Are there any active funds that really cause you to consider that maybe it really is possible to outperform indexes? For me, Wellington definitely has to be one of them. Just for fun, I occasionally sometimes go to www.portfoliovisualizer.com and run comparisons. About a week or two ago, I wanted t...
by Dead Man Walking
Tue Oct 17, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4828

Re: The overselling of international diversification

What about international bonds? Is there a correlation with US bonds?

DMW
by Dead Man Walking
Tue Oct 17, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6937

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I have some cash to invest. Should I wait for the correction to invest? Valuations matter, don't they? Will this correction raise inflation above the 2% that the Fed is hoping for so that they can raise interest rates? Will it cause unemployment to increase? How will the Fed respond to rising unempl...
by Dead Man Walking
Mon Oct 16, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5376

Re: 2018 Honda Accord

Are the seats receiving the complaints manually adjusted seats? The power seat in my 2007 Accord is comfortable when adjusted to the driver. Since I have back ailments, I often readjust the seat several times during a long drive. The power seat in my 2014 CR-V is better than the Accord and was bette...
by Dead Man Walking
Fri Oct 13, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3145

Re: My EJ portfolio vs my Vanguard, side by side

I wasn't aware that Edward Jones offered DFA Funds.

DMW
by Dead Man Walking
Fri Oct 13, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 91
Views: 16529

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

naha66 wrote:
Thu Oct 12, 2017 8:12 pm
What kind of experience does Wellington have in international investing?
Wellington Management is one of the managers for Vanguard's International Explorer Fund.
by Dead Man Walking
Wed Oct 11, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6446

Re: Asking for discounts

Many department stores give discounts if the buyer uses the store's credit card. Many will give the discount if the buyer applies for their credit card. I always tell them that I want the discount, but I'm only going to pay cash. No discount, no sale! Some cashiers have turned me away and have had t...
by Dead Man Walking
Mon Oct 09, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11794

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you w...
by Dead Man Walking
Mon Oct 09, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11794

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you wo...
by Dead Man Walking
Sun Oct 08, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6534

Re: Has your "risk tolerance" been tested?

My risk tolerance is currently being tested. I've been investing since 1970; consequently, I have been through more than a few bears and bulls. My allocation has always been somewhat conservative - 60/40 through up and down markets. I'm retired and don't have a need to take risk, but I think my curr...
by Dead Man Walking
Sat Oct 07, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 938

Re: Does my Honda CRV need servicing?

You should read the maintenance schedule that came with the car. Coolant and brake fluid are a couple of things that are changed on a time schedule and may not appear on the maintenance minder, especially if it was reset after oil changes. Oil changes are required annually even if the mileage has no...
by Dead Man Walking
Sat Oct 07, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 830

Re: Credit Freezes and Deceased Persons

If the estate of the deceased has been through probate, forget about it.

DMW
by Dead Man Walking
Fri Oct 06, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Dividend yield vs. 10 year gov't bond
Replies: 10
Views: 917

Re: Dividend yield vs. 10 year gov't bond

Be sure to subtract the .5 - 1.5% Janus ERs from those dividends. A company more interested in selling new products than speaking frankly to customers about total return. Curious, I checked out the Global Equity Income Fund. The 0.99% ER is only one of the fund's flaws. The fund holds 82 stocks and...
by Dead Man Walking
Thu Oct 05, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3325

Re: Cash in a local bank or credit union

My friends and family think that I'm a paranoid geezer. I have a year or more of expenses in local banks. Due to several buyouts, my primary bank is one of the large national banks. I don't have any accounts with online only banks. I have deposit accounts with two community banks from which I only r...
by Dead Man Walking
Thu Oct 05, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Are stocks going up only because all the alternatives are lousy?
Replies: 45
Views: 4718

Re: Are stocks going up only because all the alternatives are lousy?

We keep hearing the warnings about high stock valuations and possibility of market losses, poor returns, etc. I believe it, but every time I think about what to do about it, all the other choices stink, so I stay in stocks. And they keep going up for no good reason that I can discern. Cash? no retu...
by Dead Man Walking
Thu Oct 05, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Dividend yield vs. 10 year gov't bond
Replies: 10
Views: 917

Dividend yield vs. 10 year gov't bond

A friend shared the fall 2017 Janus Henderson Report with me. The report was an advertisement for their Global Equity Income Fund (HFQDX) and Dividend & Income Builder Fund (HDDVX). Part of the sales pitch was a chart comparing the dividend yield of a country's stocks to it's 10 year bond. I found t...
by Dead Man Walking
Thu Oct 05, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14859

Re: Dividends vs. Capital Gains for Spending Needs?

I invest in equity mutual funds and reinvest dividends and capital gains. If I need money or rebalance, I sell shares. I don't calculate how much of my withdrawal or transfer is dividends or capital gains. Frankly, I don't understand this debate. Perhaps mutual fund dividends can be withdrawn when t...
by Dead Man Walking
Sun Oct 01, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4231

Re: Waxing my car!

Several years ago, I had the opportunity to speak with representatives from DuPont. They told me that using any good cleaner wax once a year on clearcoat finished cars was sufficient. I followed this advice and have been very satisfied. In my younger years, I was ocd about my cars. As I aged, I got ...
by Dead Man Walking
Sun Oct 01, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3754

Re: For buying house: how do you know which schools are "good"?

I've read that the most consistent factor in determining students' SAT scores was their 9 digit zipcode. I don't have a link to confirm this, but you can Google it.

DMW
by Dead Man Walking
Sun Oct 01, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question on free credit report/monitoring from Experian
Replies: 3
Views: 488

Re: Question on free credit report/monitoring from Experian

I had been using the strategy you have described. I have the Experian free credit monitoring through AAA. The Experian monitoring seems to work. I receive a monthly email telling me that there hasn't been any suspicious activity regarding my credit. I have never received an alert. Since the Equifax ...
by Dead Man Walking
Sat Sep 30, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard
Replies: 15
Views: 2617

Re: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard

Vanguard is categorizing smart beta and factor-based funds as active funds. I agree with their categorization. Although these funds don't actively trade securities, their investments are based on quantitative algorithms. Someone had to write the algorithm that the computer uses to determine which se...
by Dead Man Walking
Sat Sep 30, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 3745

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Lots of good reasons to convert noted above. Another way to look at the conversion issue -- is there any downside to converting? The only one that I can think of is a change in income tax rates that would lower your marginal tax rate. When I retired 17 years ago, I started making conversions annual...
by Dead Man Walking
Fri Sep 29, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8718

Re: VG wants everyone to transfer to a brokerage account?

I may be wrong, but the conversion to brokerage accounts may be for marketing ETFs. ETFs are being created to cover nearly every type of investment. Vanguard is creating ETFs to remain competitive with other investment companies. I don't buy the argument that having two platforms is more expensive. ...
by Dead Man Walking
Fri Sep 29, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7101

Re: VG using outsourcing to call me & I'm not happy

But I really miss Rachel -- haven't heard from her in months. Me, neither. Where is Rachel. I hope she's okay :-) We received a call from credit card services a few days ago. They have changed the name of the woman making the call. My wife can't remember the new name. My guess is that Rachel became...
by Dead Man Walking
Fri Sep 29, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

Because I hate my profession, but I invested years of my life into getting a degree and license for the earning potential, so I cannot (or should I say, choose not to) turn back. This speaks to me on so many levels. I felt the same way, but I stayed the course for the pension. My grandfather told m...
by Dead Man Walking
Fri Sep 29, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2867

Re: Vanguard Brokerage Accounts

Bogleheads - When I previously talked with a Vanguard Client Representative, I asked if eventually all clients will be converted on one platform. The answer was "yes" at some point in the future. I would suspect it is a lower cost to manage one platform. After reading this thread, I think that I'll...
by Dead Man Walking
Tue Sep 26, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Alternate investment strategies
Replies: 15
Views: 1956

Re: Alternate investment strategies

Let's see a decade ago it was collateraized commodity futures ala PCRIX/PCRDX then it was managed futures via AQMIX/QMHIX and we have seen how that has turned out. Now it's reinsurance interval funds via SRRIX which has sold off 15% the past month and now negative 10% YTD. Stay the course with the ...
by Dead Man Walking
Tue Sep 26, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47379

Re: Equifax customer information leak

According to Krebs on Security, a freeze at Chex Systems will prevent thieves from opening checking and savings accounts in my name. I assume that it would prevent me from buying certificates of deposit from banks as well. Would this be the case at banks that I already have certificates of deposit ...
by Dead Man Walking
Tue Sep 26, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47379

Re: Equifax customer information leak

According to the Chex Systems website, a freeze on my report will prevent thieves from opening checking and savings accounts in my name. I assume that it would prevent me from buying certificates of deposit from banks as well. Would this be the case at banks that I already have certificates of depos...
by Dead Man Walking
Sun Sep 24, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8433

Re: Where do you get your news?

I get a local newspaper every morning. In addition to local coverage it has national news provided by the Associated Press. I never watch Fox News, MSNBC, or CNN. The gasbags on those channels make me sick. I do watch a regional channel for the weather and sports and the CBS news for a summary of br...
by Dead Man Walking
Sun Sep 24, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3273

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I believe that the fwd model has traction control. With traction control, I doubt that most people would need awd. That being said, as a senior citizen, I chose awd for my CR-V because I live in rural Ohio. I have an Accord with traction control and have never had problems with traction on snow cove...
by Dead Man Walking
Sun Sep 24, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6317

Re: What is your favorite reasonably priced bourbon?

I think you've gotten a lot of suggestions that may be tough to make sense of. You might want to consider whether you like high-rye, low-rye, or wheated bourbon. I'm partial to high-rye bourbon and like full fledged rye whiskey quite a bit (High West Rendezvous Rye is my favorite). This guide from ...
by Dead Man Walking
Sat Sep 23, 2017 1:21 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6317

What is your favorite reasonably priced bourbon?

I drink bourbon neat with no ice. I've purchased some expensive bourbons and received some as gifts. To date, Four Roses Small Batch is my favorite. It is reasonably priced and has great flavor. I'm open to suggestions and criticism from my fellow Bogleheads. What is your favorite reasonably priced ...
by Dead Man Walking
Fri Sep 22, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 10441

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

When I tried to freeze my credit at Transunion, I was informed that I had an account with them after I had entered my personal data. About ten years ago, my information was on a disc that was "misplaced" by a health care provider. The health care provider gave me a subscription for a year to Transun...
by Dead Man Walking
Thu Sep 21, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1901

Re: Vanguard PAS Seems Inflexable

Although I'm older than you, I recently went through a similar situation. My portfolio is more complicated than yours since I hold some active funds and have a slight tilt to small caps. I also have reservations about international bonds. In fact, I've been warned by the moderator for making unaccep...
by Dead Man Walking
Mon Sep 18, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11917

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Should investors avoid funds that invest in the 40% of domestic stocks that pay dividends and the 60% of international stocks that pay dividends? This would be a strategy pursuing capital gains and tax efficiency.

DMW
by Dead Man Walking
Thu Sep 14, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 6047

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Those risk tolerance surveys that ask how an investor would feel about a 50% loss should also point out that a 50% loss requires a 100% gain to get back to even. Most would love to see a 100% gain; however, that gain loses its luster when one realizes that he is only getting back to his starting poi...
by Dead Man Walking
Sun Sep 10, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2857

Re: Who actually buys lottery scratch offs?

I've never bought a scratch off ticket. I occasionally buy a power ball ticket when the prize is astronomical. My purchase is usually because the person in front of me at the cashier bought tickets and made me aware of the size of the prize.

DMW
by Dead Man Walking
Wed Sep 06, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage missing $ again
Replies: 19
Views: 3076

Re: Vanguard Brokerage missing $ again

Vanguard wants everyone to switch to a brokerage account. I think I'll keep my regular mutual fund account.

DMW
by Dead Man Walking
Wed Sep 06, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4065

Re: Does anyone use Driving Shoes?

I'm diabetic and bought a pair of diving shoes when visiting a beach which had a lot of sea shells which could cut my feet. They have thin soles, a mesh top, and fit like a sock. I found that they are excellent driving shoes. They are cold during northern winters, so I take a pair of street shoes to...
by Dead Man Walking
Tue Sep 05, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9528

Re: Value Factor Investing is not Value Investing

Your return data has issues. Large cap growth has just had a huge run so you are comparing the data at the later part of one outperforming. No one disagrees that growth outperforms at times but when you compare rolling time periods, value wins in the end. It has been that way for hundreds of years....
by Dead Man Walking
Mon Sep 04, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5227

Re: Coyote Defense

They are smaller than most big dogs and are afraid of humans . They weigh like 50 lbs Not anymore. This is the real problem now in suburban and urban areas. Coyotes in these areas have increasingly lost their fear of humans. Their fear of humans is definitely different in suburban areas. I live in ...
by Dead Man Walking
Mon Sep 04, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9528

Re: Value Factor Investing is not Value Investing

Your return data has issues. Large cap growth has just had a huge run so you are comparing the data at the later part of one outperforming. No one disagrees that growth outperforms at times but when you compare rolling time periods, value wins in the end. It has been that way for hundreds of years....
by Dead Man Walking
Mon Sep 04, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 9528

Re: Value Factor Investing is not Value Investing

A few thoughts based on several of the above posts: Factor-based funds available to retail investors have a very short history; therefore, it may be too soon to draw realistic conclusions about their performance and risk. Value is a term that has many meanings when applied to investing in stocks. So...
by Dead Man Walking
Fri Sep 01, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3744

Re: Discover card inquiry about income and liquid assets

Glad to see that I am not the only one who experienced this. As usual, I learned a lot from fellow Bogleheads. I gave them ballpark numbers since they didn't ask for any sensitive information about my identity. They also asked if I owned my home and what my monthly rent or mortgage payment was. Wha...