Search found 714 matches

by Dead Man Walking
Mon Nov 12, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 45
Views: 4043

Re: Vanguard investor class shares on their way out?

The median income for US households in 2017 was $61,372. Half of households had income less than the median. The $3,000 minimum for investor shares may be difficult for those families. When I began investing many no load funds had a $1,000 minimum; Vanguard had a $3,000 minimum for funds other than ...
by Dead Man Walking
Sun Nov 11, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 65
Views: 8394

Re: cvt transmissions

My first hand experience with CVTs ended with a childhood go-kart. Since then, I've ridden in a few cars with CVTs and the ugh factor is still there just like the go-kart. I definitely won't be buying a car with a go-kart transmission until it is the only choice (which probably won't be too far off...
by Dead Man Walking
Sun Nov 11, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 5986

Re: How to stop junk mail for a deceased person

I have used all of the sites that are mentioned in this thread to stop junk mail for my deceased mother. They work for the majority of companies and charities. However, I still receive a few mailings every month. A tactic my wife uses is to place all of the advertising minus the sheet with a name an...
by Dead Man Walking
Sun Nov 11, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3082

Re: Mid and Small Caps?

One more question about VSMAX (VG Small Cap Fund) - so I am considering getting into this one to complement my S&P500 Fund (VFIAX). This would be in taxable. However, I see the fund has a 15% turnover and the yield is 1.6%. The yield is a bit lower than VFIAX which is fine however I am more concern...
by Dead Man Walking
Sat Nov 10, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 21
Views: 1757

Re: Admiral share class for total world stock

I guess I'm curious about the process by which Vanguard makes the decision to offer Admiral shares. I doubt that Vanguard will every offer Admiral shares again. The ETF structure is cheaper to run a mutual fund structure. ETFs are the future. +1 Furthermore, the popularity of ETFs may be a signific...
by Dead Man Walking
Fri Nov 09, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4594

Re: Do you prefer etfs or mutual funds?

I prefer mutual funds because I dislike the hassle of the ETF purchasing process. However, ETFs may be a more viable alternative in some cases. For example, if one is interested in buying Vanguard US Multifactor fund, two options are available: the ETF VFMF and the mutual fund VFMFX, which is only a...
by Dead Man Walking
Sun Nov 04, 2018 1:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard dividend appreciation fund has performed well this year
Replies: 3
Views: 643

Vanguard dividend appreciation fund has performed well this year

Vanguard dividend appreciation fund (VDAIX) has performed rather well over the last 3 months, over the last year, and over the last 3 years according to Morningstar. It trails Vanguard Total Stock Market Fund and large cap indices slightly over 5 and 10 year periods, but it is not a big lagard. This...
by Dead Man Walking
Wed Oct 31, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4072

Re: You Invest by JP Morgan Chase

Just for clarification, I have a Chase Premier account and wasn't aware of the Sapphire bonuses. My original account was with a local savings and loan. Over the last 40 years, the bank has been bought out by 4 different banks. I have stayed with all of them because I have a large safe deposit box. I...
by Dead Man Walking
Mon Oct 29, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4072

Re: You Invest by JP Morgan Chase

I plan to speak to a representative at my local Chase branch; however, I would feel more comfortable if I had input from more Bogleheads. You Invest is brand new and not many people have accounts yet - you might need to pioneer it and report back to us. I plan to talk to a local Chase representativ...
by Dead Man Walking
Mon Oct 29, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4072

Re: You Invest by JP Morgan Chase

UpperNwGuy wrote:
Mon Oct 29, 2018 6:14 pm
Chase is notorious for offshoring customer service. I don't invest with Chase, but I have their credit cards.
Thanks for the heads up. I've never called Chase since they bought my original bank.

DMW
by Dead Man Walking
Mon Oct 29, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4072

Re: You Invest by JP Morgan Chase

I'm interested in buying ETFs, treasuries, and CDs in a taxable account. I called the 800 number to ask if treasuries could be purchased at auction and if CDs could be purchased from the primary issuer. I was told that both treasuries and CDs could only be purchased on the secondary market. I was al...
by Dead Man Walking
Sun Oct 28, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 45
Views: 4072

You Invest by JP Morgan Chase

Although You Invest has been discussed here, I am interested in experiences those who have opened an account have had. What are the positives and the negatives? Any information about your experience with You Invest will be appreciated. Thanks in advance for your responses.

DMW
by Dead Man Walking
Sat Oct 27, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: For those that think the current selloff is normal
Replies: 25
Views: 5831

Re: For those that think the current selloff is normal

First, let us notice that 20 out of the last 26 trading days have been down (looking at sp500). This behavior is atypical.... October 2000 Feb 1984 June 1982 March 1980 Sep 1974 Dec 1973 May 1970 Dec 1969 May 1962 Unfortunately this type of stuff is not predictive of forward returns. Stay the cours...
by Dead Man Walking
Fri Oct 26, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 103
Views: 6164

Re: DFA small value... acitve management?

Although the original question is about DFA Small Cap Value, many responses have discussed various indices. As I recall, the new Fidelity zero funds will invest in indices developed by Fidelity. DFA seems to develop their own indices for various market segments. Fidelity seems to be following the s...
by Dead Man Walking
Fri Oct 26, 2018 3:34 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 103
Views: 6164

Re: DFA small value... acitve management?

Although the original question is about DFA Small Cap Value, many responses have discussed various indices. As I recall, the new Fidelity zero funds will invest in indices developed by Fidelity. DFA seems to develop their own indices for various market segments. Fidelity seems to be following the s...
by Dead Man Walking
Wed Oct 24, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 103
Views: 6164

Re: DFA small value... acitve management?

Although the original question is about DFA Small Cap Value, many responses have discussed various indices. As I recall, the new Fidelity zero funds will invest in indices developed by Fidelity. DFA seems to develop their own indices for various market segments. Fidelity seems to be following the sa...
by Dead Man Walking
Wed Oct 24, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97117

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Took my 2014 CR-V in for service last week. The service manager at my Honda dealership is aware of the problem; however, he said that they haven't had any cars with the turbocharged engine exhibit the problem. He was confident that Honda will come up with a fix. He just smiled when I said the "fix" ...
by Dead Man Walking
Wed Oct 24, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9318

Re: Larry Swedroe: Why International Diversification Works

Amor Fati wrote:
Wed Oct 24, 2018 1:03 pm
Standard deviation is one measure of risk, but how do you quantify a future event where one country goes the way of Rome and you happen to be 100% invested in that one country?
This is probably more relevant to accumulators than they realize.

DMW
by Dead Man Walking
Sun Oct 14, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6411

Re: When to stop putting money into an older vehicle

My daily driver has had a leaking (more like weeping) axle seal since it was 1 year old. Replacing it did nothing to fix it. Just keep the fluids topped off (you should be checking everything regularly anyway) and you’ll be fine. +1 Over the last 55 years, I've owned several vehicles that leaked fl...
by Dead Man Walking
Sun Oct 14, 2018 2:36 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5792

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

I've read all of the Vanguard vs Fidelity threads. I've used the websites of both and don't understand the preferences claimed by proponents of either. They are different, but neither is that difficult to navigate. Preference may be based on experience with one over the other. I'm fascinated by the ...
by Dead Man Walking
Fri Oct 12, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4588

Re: Does international really buy you diversification?

Many large cap foreign stocks participate in the global economy; therefore, an investment in them allows an investor to have a global presence that may provide diversification outside the US. Globalization may have minimized the diversification of international investments, but probably hasn't elimi...
by Dead Man Walking
Thu Oct 11, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity announces simplified index fund structure]
Replies: 20
Views: 2612

Re: [Fidelity announces simplified index fund structure]

The zero minimum amount may be as important as the zero expense ratios. Beginning investors will find the zero minimum a good reason to invest a few bucks. It's not a big deal to me now, but it would have been a really big deal 50 years ago. I'm happy to see Fidelity put out the welcome mat for new ...
by Dead Man Walking
Thu Oct 11, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9863

Re: When will you backup the truck on stocks

I'm waiting for a 50-60% drop, and the Bogleheads start chirping about the fantastic buying opportunity that they have been blessed with.

DMW
by Dead Man Walking
Thu Oct 11, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8378

Re: What did you buy today

A bottle of Bushmills to celebrate my excellent timing in rebalancing my portfolio!

DMW
by Dead Man Walking
Thu Oct 11, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1946

Re: Vanguard vs others

Many posts compare Vanguard, Fidelity, and Schwab. What about others such as the new Chase You Invest that offer free trades for mutual funds, ETFs, stocks, and fixed income investments?

DMW
by Dead Man Walking
Mon Oct 08, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1914

Re: Index vs. actively managed funds....is there a good tool to compare?

I'm not familiar with the funds about which you're asking; however, it sounds like their performance should be compared to Vanguard growth index fund and Vanguard midcap growth index fund.

DMW
by Dead Man Walking
Sun Oct 07, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 660
Views: 97117

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I've been following this thread since it began and have told my wife about it. We've owned 6 new Hondas since 1985. She is due for a new car in the near future. After hearing about the problems Honda is experiencing with these engines, she is having second thoughts about buying another Honda. I have...
by Dead Man Walking
Sat Oct 06, 2018 1:42 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - Cliff Asness Interview
Replies: 22
Views: 2032

Re: Bloomberg - Cliff Asness Interview

The posts in this thread seem to make a good argument for blend funds.

DMW
by Dead Man Walking
Sat Oct 06, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Number of mutual funds offered in JP Morgan Chase "You Invest"
Replies: 10
Views: 840

Re: Number of mutual funds offered in JP Morgan Chase "You Invest"

DMW, I was trying to understand the example you gave and have some question. The referenced PDF of available funds (as posted by arf30) says that "Only load-waived Class A shares and no-load shares (or a similar share class in the case of fund families that do not offer load-waived shares for self-...
by Dead Man Walking
Fri Oct 05, 2018 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Number of mutual funds offered in JP Morgan Chase "You Invest"
Replies: 10
Views: 840

Re: Number of mutual funds offered in JP Morgan Chase "You Invest"

Chase offers a multitude of mutual funds. My perusal of the list revealed that most load funds were offered as load waived; therefore, they were essentially load free. I checked out a couple of John Hancock funds that are managed by Dimensional Fund Advisors. The International Small Company Fund (JS...
by Dead Man Walking
Fri Sep 28, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 13871

Re: Vanguard: Transition to our new investment platform

I received the following email from Vanguard. What is this about? datamonkee: I have not been contacted. My guess is that Vanguard is contacting its largest shareholders first. Congratulations and best wishes. Taylor Taylor, My guess is that Vanguard is contacting its younger shareholders first. My...
by Dead Man Walking
Fri Sep 28, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100188

Re: [What TV Show Have You Recently Watched?]

I was scrolling through the program guide on my cable service and saw Barney Miller was on one of those channels that shows mostly reruns of old TV series. The show was a hit comedy in the 1970's. Set in a NYC police precinct, the show relies on clever dialogue among several quirky characters. The ...
by Dead Man Walking
Wed Sep 26, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100188

Re: [What TV Show Have You Recently Watched?]

I was scrolling through the program guide on my cable service and saw Barney Miller was on one of those channels that shows mostly reruns of old TV series. The show was a hit comedy in the 1970's. Set in a NYC police precinct, the show relies on clever dialogue among several quirky characters. The t...
by Dead Man Walking
Wed Sep 26, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Chase You Invest, is low cost the new default?
Replies: 13
Views: 1758

Re: Chase You Invest, is low cost the new default?

The account is starting to look interesting. For those who has a You Invest account, can you share experience on the following: 1) Can you purchase Treasury in auction? 2) Can one transfer existing t-bills into Your Invest? 3) Is there any fee for buying or selling bonds (eg does ‘free’ trading inc...
by Dead Man Walking
Mon Sep 24, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7626

Re: Leasing Cars in Retirement

I've never leased a car, and usually buy one and drive it for 10-15 years. However, I have sold a few cars because I either didn't like the car or anticipated problems with it because the model was notorious for a specific problem. The problem that I see with a lease is that I may be stuck with a ca...
by Dead Man Walking
Thu Sep 20, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs vs Traditional Mutual Funds
Replies: 5
Views: 462

Re: Vanguard ETFs vs Traditional Mutual Funds

This is why Vanguard is urging investors to enroll in brokerage accounts. ETFs are the funds of the 21st century. I would not be surprised if all new funds are ETFs. This seems to be the trend with factor based funds and esoteric index funds.

DMW
by Dead Man Walking
Sun Sep 16, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11876

Re: Age in Bonds - Still Recommended?

I wonder if the responses would be different if this question were asked in the 1970's.

DMW
by Dead Man Walking
Thu Sep 13, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: The Problem for Active Management Isn't Indexing
Replies: 7
Views: 982

Re: The Problem for Active Management Isn't Indexing

Their study indicates that only 28% of equities are held by index funds, active funds, and ETFs. Now that is interesting. I can't help but wonder what the breakdown of the other 72% is. Provided the numbers are accurate. I can't verify Blackrock's statistics; however, you have pointed out what I fo...
by Dead Man Walking
Thu Sep 13, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6390

Re: Vanguard Switch to Brokerage Accounts

A mandatory switch to brokerage accounts would demonstrate the weakness of Vanguard's IT department. A representative should be able to determine the type of account an investor has when he calls. A mouse click or touch on his monitor should take him to the appropriate platform. This should not be a...
by Dead Man Walking
Thu Sep 13, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: The Problem for Active Management Isn't Indexing
Replies: 7
Views: 982

Re: The Problem for Active Management Isn't Indexing

Read the article just the other day. It seems to me the author does not realize that "professionally managed assets" does include index funds. The author quoted a Blackrock study about index mutual funds, ETFs, and active funds. Since Blackrock sponsors iShares ETFs, I'm pretty sure that they know ...
by Dead Man Walking
Thu Sep 13, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: The Problem for Active Management Isn't Indexing
Replies: 7
Views: 982

The Problem for Active Management Isn't Indexing

The Problem for Active Management Isn't Indexing according to a recent Rekenthaler Report.

https://www.morningstar.com/articles/88 ... exing.html
by Dead Man Walking
Wed Sep 12, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benchmark Smoke And Mirrors
Replies: 14
Views: 1199

Re: Larry Swedroe: Benchmark Smoke And Mirrors

Aren’t we all overthinking this? Isn’t the true benchmark of a fund what you would have invested in, in its place? This is the system that I use when comparing funds. I often use DFA funds as a benchmark. I always consider the cost of an advisor when comparing DFA funds to funds offered by other fu...
by Dead Man Walking
Mon Sep 10, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need an independent insurance adjuster?
Replies: 5
Views: 565

Re: Need an independent insurance adjuster?

Over 25 years ago, my parent's 2 story garage burned down. The garage was a storage area for many antiques and power equipment. Allstate Insurance gave my dad the run around, and he decided to consult an independent insurance adjuster who was a member of his church. The adjuster achieved a much bett...
by Dead Man Walking
Mon Sep 10, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5699

Re: Low pay and low stress jobs with health benefit

Many posts have mentioned a public school setting. If you want a low stress position in the public schools, consider a custodian/janitorial position that cleans the school after the school day is over. The kids are gone and the staff leaves shortly after their shift begins. If you show a little init...
by Dead Man Walking
Fri Sep 07, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Where's the Inflation Hedge for Short-Term TIPS?
Replies: 79
Views: 4725

Re: Where's the Inflation Hedge for Short-Term TIPS?

I was alive and beginning to invest during the 1970's and 1980's; consequently, I may be hypersensitive to inflation. I have invested in TIPs funds and I bonds due to my experiences. However, the role of central banks in the current environment makes me wonder if inflation will ever spiral out of co...
by Dead Man Walking
Thu Sep 06, 2018 9:56 pm
Forum: Investing - Theory, News & General
Topic: Myth Busting on Index Funds
Replies: 16
Views: 4139

Re: Myth Busting on Index Funds

Larry, You state that your firm recommends that clients hold 12,000-20,000 stocks. Together Vanguard TSM and Total International hold 10,008 stocks. Since you recommend far more stocks, I wonder if Vanguard's total market funds are truly "total market" funds. Knowing that you lean toward small caps,...
by Dead Man Walking
Tue Sep 04, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard free RMD service
Replies: 5
Views: 1018

Re: Vanguard free RMD service

Go to Vanguard.com. Type rmd service in the search box. The search will give you the link to establish the free service. As I recall, Vanguard sent me a message when I was nearly 70.5 years of age asking if I wanted to use the service. My tIRA account is a rollover from an employer account. This may...
by Dead Man Walking
Tue Sep 04, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7887

Re: I still use cash not credit cards should I reconsider?

The number one reason that I use my credit cards is that many cashiers can't count out change even if the cash register shows them what it should be.
by Dead Man Walking
Mon Sep 03, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 109
Views: 8393

Re: Is it time to go shorter in bonds ?

For a mutual fund investor, should the allocation to TIPS be invested in Inflation-Protected Securities Fund (VIPSX) or Short-term Inflation-Protected Securities Index Fund (VTAPX)? It depends on what you are trying to accomplish with the investment and what your other holdings would be. If you are...
by Dead Man Walking
Mon Sep 03, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 109
Views: 8393

Re: Is it time to go shorter in bonds ?

Generally, you should be focused on your overall portfolio. Nominal bonds are not a good investment for a retiree if that is all they held. They are too exposed to inflation risk. If you are 75% or more allocated to bonds, they should be TIPS. For a mutual fund investor, should the allocation to TI...