Search found 743 matches

by Dead Man Walking
Fri Jan 11, 2019 2:33 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12584

Re: Recommendations for a 9mm handgun

The posts that recommended going to the range and renting several different pistols and choosing the one that fits your hand and is easy for you to handle are prudent advice. However, I would recommend choosing a gun that has excellent sights. Being able to acquire the target and shoot a tight patte...
by Dead Man Walking
Tue Jan 08, 2019 2:09 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1026
Views: 109839

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

Berlin Station on EPIX is an excellent series. It is as topical as an international intrigue show can be. The series also has strong female characters. In the same genre, the miniseries The Little Drummer Girl on AMC was a great adaptation of John Le Carre's novel. Another strong heroine is the mai...
by Dead Man Walking
Tue Jan 08, 2019 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Doing personal income taxes by hand, and TaxAct question
Replies: 9
Views: 1182

Re: Doing personal income taxes by hand, and TaxAct question

As a septuagenarian who has filed returns by hand for more than half a century, I have considered using software for the first time; however, with the changes to the tax code and forms and the shutdown, I think that I'll forego the technology. I'm betting that this snafu won't be resolved until the ...
by Dead Man Walking
Thu Jan 03, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: investing Uncomfortably
Replies: 88
Views: 7701

Re: Larry Swedroe: investing Uncomfortably

Perhaps a definition of agnostic would help us understand some of the arguments about factor based investing: 1 : a person who holds the view that any ultimate reality (such as God) is unknown and probably unknowable broadly : one who is not committed to believing in either the existence or the none...
by Dead Man Walking
Wed Jan 02, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: investing Uncomfortably
Replies: 88
Views: 7701

Re: Larry Swedroe: investing Uncomfortably

This current factor fad seems like active in sheep's clothing (certainly momentum, aka 'market timing', can often become active on steroids). This too shall pass? What would it take for you to consider factors more than a fad? We have extensive historical data and out of sample tests provided by di...
by Dead Man Walking
Mon Dec 31, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1786

Re: Happy New Year Do you have plans?

Happy anniversary. I am following my usual New Year's Eve plan: Dinner at home, watch the bowl games on TV, and drink some good bourbon. Wishing all Bogleheads a happy and prosperous New Year!

DMW
by Dead Man Walking
Fri Dec 28, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 2627

Re: brick-and-mortar vs online bank

If you have a Chase account, you can open a You Invest account and use the funds, primary CDs offered through the brokerage, ETFs, stocks, bonds, or treasuries to establish the minimum balance requirement. I was told that I had to call the day before the auction if I wanted to buy treasuries at auct...
by Dead Man Walking
Wed Dec 26, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Bears are -20%? Then here are three bears stacked on top of each other
Replies: 34
Views: 4492

Re: Bears are -20%? Then here are three bears stacked on top of each other

I am surprised that no one has posted the performance of the Wellington fund, which was founded on July 1, 1929. On November 30, 2018, the cumulative return of the fund was 120,101.20% since inception. The average annual return was 8.25%.

DMW
by Dead Man Walking
Tue Dec 25, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9013

Re: Wow, Behaviorial Finance is Real

Behavioral finance is real for the market as a whole. The market hates uncertainty. There’s a lot of uncertainty about things that have historically had a negative impact on the market. Happens all the time. Sometimes it’s for a day; sometimes, a week; sometimes, years. The only thing an investor ca...
by Dead Man Walking
Tue Dec 25, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7233

Re: What was your best investment in 2018?

Rebalanced close to the market peak.

DMW
by Dead Man Walking
Mon Dec 24, 2018 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern 65 Life - Keep it or dump it?
Replies: 31
Views: 2030

Re: Northwestern 65 Life - Keep it or dump it?

Many responders have assumed that your policy is a whole life policy. I believe that it is a policy that is paid up at age 65. There is a significant difference between the two. You stated that you have no dependents. Do you have any heirs? If so, the death benefit is tax free for them. A beneficiar...
by Dead Man Walking
Mon Dec 24, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2819

Re: Are you a true believer?

I wonder how 70 year old Japanese investors would respond.

DMW
by Dead Man Walking
Mon Dec 24, 2018 1:24 am
Forum: Investing - Theory, News & General
Topic: When is the next all time high? An historical perspective
Replies: 15
Views: 2072

Re: When is the next all time high? An historical perspective

If the answer turns out to be never, there will be some interesting posts here.

DMW
by Dead Man Walking
Sat Dec 22, 2018 2:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Investing In Short Time Horizons
Replies: 44
Views: 3070

Re: Larry Swedroe: Investing In Short Time Horizons

Dave,

Please continue to post links to Larry Swedroe's articles. I'm too lazy to search for them!

DMW
by Dead Man Walking
Sat Dec 22, 2018 1:32 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

I like the song "Dance Band on the Titanic." Meaningful discussions of anything that might lead to actionable behavior are not permitted on this forum.

DMW
by Dead Man Walking
Tue Dec 18, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Any Credit score experts in here?
Replies: 8
Views: 865

Re: Any Credit score experts in here?

I don't track my score other than the score on my monthly Discover card statements. My score fluctuates by about 10-15 points for no apparent reason. Credit Karma sends me an email monthly stating that my credit score is fantastic. Go figure!

DMW
by Dead Man Walking
Tue Dec 18, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparation software for 2018 returns
Replies: 18
Views: 1849

Re: Tax preparation software for 2018 returns

Thanks to all who responded. I have visited both TurboTax.com and H&R Block.com and read the descriptions and reviews of their products. TurboTax seems to recommend their Premier software for my situation where as H&R Block states that I could get by with their Deluxe software. The reviews of their ...
by Dead Man Walking
Sun Dec 16, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparation software for 2018 returns
Replies: 18
Views: 1849

Tax preparation software for 2018 returns

I have Googled for reviews of tax preparation software for 2018 tax returns and have found nothing but reviews of software for 2017 returns. Apparently, the software for 2018 returns has not been evaluated by the usual reviewers. I have never used tax preparation software; therefore, I am not sure w...
by Dead Man Walking
Thu Dec 13, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: How does negative interest rate work?
Replies: 12
Views: 1603

Re: How does negative interest rate work?

I don't know of anyone who keeps cash under the mattress; however, I know many people who have large gun safes in which they keep cash. The safes are supposed to be fireproof. I also know some keep cash in safe deposit boxes. Neither option is a sound investment decision. I should point out that a f...
by Dead Man Walking
Wed Dec 05, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 186
Views: 43803

Re: Vanguard has switched to brokerage only accounts

Your IT comments may apply to you gamers but for us senile retirees not so much. And you gamers have to pay a part of our higher costs. Thanks. :D Doc, For your information, I am a retired septuagenarian who is frequently told by younger folks that I don't understand the power of computers. When I ...
by Dead Man Walking
Wed Dec 05, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 186
Views: 43803

Re: Vanguard has switched to brokerage only accounts

I have no objection to Vanguard Brokerage being improved. I do object to maintaining two platforms forever which will undoubtedly lead to added cost and maybe poorer service for all of us. Can you document that maintaining two platforms will increase costs and lead to poorer service. It's the 21st ...
by Dead Man Walking
Tue Dec 04, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 64
Views: 8832

Re: Vanguard US Multifactor Fund

I've been researching multifactor funds for investment in 2019. I think that it is curious that Vanguard doesn't include VFMF on their list of ETFs. To find info on the fund I had to enter VFMF in the search box. I noticed that the fund lost more than the market today. My interest in the fund is pri...
by Dead Man Walking
Fri Nov 30, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: How Do You Evaluate A New Potential Portfolio Addition?
Replies: 14
Views: 854

Re: How Do You Evaluate A New Potential Portfolio Addition?

1. Do I understand the potential new investment? 2. Does the potential new investment fit my investment plan, including my risk tolerance? 3. Is it available as a low cost fund to all diy retail investors? (This requirement eliminates investments such as DFA and AQR funds, but it is a reasonable req...
by Dead Man Walking
Mon Nov 26, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10354

Re: You Invest by JP Morgan Chase

Many posts have answered questions about the You Invest account offered by JP Morgan Chase. In a previous post I complained about speaking with a representative at an offshore call center. I didn't think that the representative knew what he was talking about. I was right about that! I spoke with a r...
by Dead Man Walking
Sat Nov 24, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11671

Re: Small Value: 15 years of underperforming

These scv threads always compare the performance of various indices or funds tracking them. DFA funds are usually included in the discussion. A few Bogleheads view DFA funds as active funds. Many believe that backtesting should be limited to retail funds that are actually performing in the real worl...
by Dead Man Walking
Thu Nov 22, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Small Value: 15 years of underperforming
Replies: 143
Views: 11671

Re: Small Value: 15 years of underperforming

VTMSX - Vanguard Tax-managed Small Cap- has outperformed all of the funds mentioned in this thread over the last 15 years according to Morningstar. It is a blend fund. Full disclosure - I own this fund in my taxable account because it tends to provide excellent performance in the small cap space.

DMW
by Dead Man Walking
Wed Nov 21, 2018 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Multifactor ETFs
Replies: 3
Views: 609

Re: Multifactor ETFs

vineviz, Thanks for the detailed response. I had read the thread to which you referred. It is one reason why I began my investigation of factor-based funds. As some responses in that thread pointed out, tax consequences and the brief history of these funds should be a consideration when choosing to ...
by Dead Man Walking
Tue Nov 20, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Multifactor ETFs
Replies: 3
Views: 609

Multifactor ETFs

I've been following the threads on factor-based investing. I'm not interested in all asset factor-based funds; however, factor-based equity funds have piqued my interest due to the possibility of risk-adjusted returns that exceed the risk-adjusted returns of index funds. My interest increased when V...
by Dead Man Walking
Fri Nov 16, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?
Replies: 34
Views: 2392

Re: Alpha Architect: Factor Investing Fact Check: Are Value And Momentum Dead?

Dave, One could probably cherry pick a 5 year time period that shows completely different returns. I've always believed that when one chooses to buy and when one chooses to sell can have a dramatically different impact on total returns. Buying mega cap growth now may have greatly different returns i...
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: 88
Views: 8526

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: 67
Views: 9189

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: 6233

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: 3273

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: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18386

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: 4844

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: 688

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: 92
Views: 10354

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: 92
Views: 10354

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: 92
Views: 10354

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: 92
Views: 10354

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: 92
Views: 10354

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: 5910

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: 6315

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: 6315

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: 6315

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: 829
Views: 118550

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: 9642

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: 6517

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: 6343

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: 4674

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...