Search found 537 matches

by Longtermgrowth
Fri Oct 27, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 6149

Re: Experian Dark Web scan

Experian is advertising this heavily: A free scan of the so-called dark web to see if your info (specifically email id) is floating around there. (https://www.experian.com/consumer-products/free-dark-web-email-scan.html) Of course, as the fine print says there is a small catch: You consent to Exper...
by Longtermgrowth
Thu Oct 26, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6728

Re: Index investing is boring

I have a feeling the next recession will bring some excitement, -50+%, whoo! Time to sell some bonds and buy more stocks dirt cheap :wink: If you want to see more exaggerated ups and downs regularly, try a small cap value index :)
by Longtermgrowth
Thu Oct 26, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 8526

Re: Innovis and ChexSystems freeze confirmation letters

I should have noted in my other post that both Innovis and ChexSystems were late on their projected time frame for receiving the PIN, but not by much more than a week for me.
by Longtermgrowth
Thu Oct 26, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 11
Views: 1674

Re: Question on new credit karma feature related to breaches

Looks interesting. I wonder if they will start monitoring Experian with this. It's odd that they only offer free credit scores from Transunion and Equifax... There probably is a reason why. I noticed in a blog post about this new feature they even suggested signing up for Experian's free service so...
by Longtermgrowth
Thu Oct 26, 2017 3:30 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 8526

Re: Innovis and ChexSystems freeze confirmation letters

Froze both 2 days ago. I spoke with the CSR at Innovis. She said it would take 7 to 10 days for confirmation letter with the PIN. Other than the Equifax, Experian Transition <-- correction: "TransUnion" , Chexsystems and Innovis, any other freeze I need to do? Yes, SageStream , which is listed in t...
by Longtermgrowth
Thu Oct 26, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 11
Views: 1674

Re: Question on new credit karma feature related to breaches

Looks interesting. I wonder if they will start monitoring Experian with this. It's odd that they only offer free credit scores from Transunion and Equifax...
by Longtermgrowth
Wed Oct 25, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5761

Re: I just want to invest 200k and get 3%

Is it possible today? have 200k sitting in bank and want to find a place to get 3% on it. any ideas? It depends on your investment time horizon and risk tolerance. There's always the Vanguard High Dividend Yield ETF (VYM), which is right around 3% dividend yield. Of course that's 100% stock and can...
by Longtermgrowth
Mon Oct 23, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1613

Re: Larry Swedroe: Why Do Hedge Funds Exist?

Isn't a hedge fund traditionally to make money in other than long positions - i.e. to be able to profit in bad markets? Of course they get beat when the market does great. Curious what that index's performance looked like on prolonged weak/bear markets. Seems like Warren Buffett's bet would have go...
by Longtermgrowth
Mon Oct 23, 2017 3:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 3528

Re: Thank you Jack, Taylor and Mel!!

X 1,000,000 thank you's. There's so much I wouldn't understand about all aspects of finance, among other things, if it wasn't for this site, it's scary. Along with the three listed in the thread title, there really are too many to list, but on the top of my mind among forum contributors, livesoft fo...
by Longtermgrowth
Mon Oct 23, 2017 2:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1613

Re: Larry Swedroe: Why Do Hedge Funds Exist?

I'm going to click on the link after typing this reply. Because rich kids don't know what to do, and are too rich to care? Edit: Yes, after reading, I still think one would have many times expected life expenses if investing in such a fund. Especially if aware of such things explaining the inefficie...
by Longtermgrowth
Mon Oct 23, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World ex-US Small in taxable account?
Replies: 23
Views: 1633

Re: FTSE All-World ex-US Small in taxable account?

triceratop wrote:
Sun Oct 22, 2017 4:03 pm
As for the reason, notice that VSS has a very low portion of dividends which received qualified dividend treatment, as compared to VXUS.
It's a shame VSS barely has 50% Qualified Dividend Income. If it were around 70+%, it would look really good for me in taxable...
by Longtermgrowth
Sun Oct 22, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 6149

Re: Experian Dark Web scan

The few things I've seen mentioned about it were negative. Here's an article about Experian: http://blogs.kit4security.uk/posts/2017/09/23/experian-criticized-over-credit-freeze-pin-security-and-dark-web-scans/ Experian really is heavily advertising. I've seen a number of Experian TV commercials, pu...
by Longtermgrowth
Sat Oct 21, 2017 4:27 am
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 10818

Re: Charles schwab - why so much cheaper?

At what point will I get paid 1bp to invest in an ETF? Asking for a friend. :mrgreen: With securities lending revenue returned to the fund, there might be a few examples of that already. My 401k has a fund with a negative ER, kinda. The ER is 0.22% but I receive a 0.25% rebate. It's contractual and...
by Longtermgrowth
Fri Oct 20, 2017 4:53 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 66368

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

All of them? Current quote on SPTM is 31.73 bid, 31.74 ask, .01% premium VTI is 131.31, 131.32, .02% premium 1 cent of 31.74 is 0.03% spread 1 cent of 131.32 is 0.008% spread And yes, I know "premium" is something different from "bid/ask spread." Anyways, one shouldn't pay the full spread. I was ju...
by Longtermgrowth
Thu Oct 19, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 20698

Re: Dividends vs. Capital Gains for Spending Needs?

snarlyjack, I was actually thinking only about future qualified dividend income percentage between TSM vs the 500. If TSM continues with low 90% QDI, and the 500 has 100% QDI, there's some in federal taxes owed even in low tax brackets holding TSM.
by Longtermgrowth
Thu Oct 19, 2017 3:36 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 49
Views: 9638

Re: TD Ameritrade fund replacement

I've stated this in a few threads, but I'll repeat here. The current bid/ask spread on the State Street funds isn't the greatest, and if exchanging funds in a tax advantaged account, it's still going to have a cost. If there is a chance to transfer in kind to another brokerage, at least one of which...
by Longtermgrowth
Thu Oct 19, 2017 3:25 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 20698

Re: Dividends vs. Capital Gains for Spending Needs?

snarlyjack, I think exchanging the VDADX, VIG ETF equivalent Dividend Appreciation for Total Stock Market makes a lot of sense, though my previous question about the tax efficiency of Total Stock Index compared to the S&P 500 Index goes ignored. I think keeping the VHDYX index fund or VYM (Vanguard ...
by Longtermgrowth
Thu Oct 19, 2017 2:35 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 66368

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

For those here that have the option to transfer in kind, while either in a taxable account or tax advantaged, I see no negative to do so when there are options like Merrill Edge with a number of free trades (30 to 100 depending on assets) per month with 50k minimum... Just open a checking account wi...
by Longtermgrowth
Wed Oct 18, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 5887

Re: anhybody buying bitcoin

Bitcoin is magical. The more expensive it gets, the more people like it. I believe there are two things going on. The technology behind Bitcoin, blockchain, is revolutionary. As technology goes that "changes everything" it changes everything. It is simply a very very very important innovation. Prob...
by Longtermgrowth
Wed Oct 18, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 5887

Re: anhybody buying bitcoin

anybody buying bitcoin I'm buying with a small amount when I hear one guy just made 6 million with the investment of $ 50 k ( true story ????) so what do you take on this Back in 2011, I almost went through the trouble of making a coinbase account and putting maybe a hundred bucks in there just for...
by Longtermgrowth
Wed Oct 18, 2017 3:31 am
Forum: Investing - Help with Personal Investments
Topic: SPDR Portfolio ETF Large Cap choices
Replies: 2
Views: 509

Re: SPDR Portfolio ETF Large Cap choices

Yup, SPTM should be very similar to VTI (Vanguard Total Stock Market ETF). I see State Street just recently lowered expense ratios on a number of funds, making them competitive with the lowest cost options. Question is, will the competitive expense ratios be permanent? Also, watch out for higher bid...
by Longtermgrowth
Sun Oct 15, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 3302

Re: Earplugs that work on low frequency noise?

As stated above, windows... I notice a big difference between solid wood frame windows and hollow frame vinyl. Avoid hollow frame vinyl. R20-30 cellulose insulation makes a big difference in an attic with lower amounts in the first place. If you ask them to change mowing times, don't threaten to cal...
by Longtermgrowth
Sun Oct 15, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 4633

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

I would be comfortable with 100% of my US equities in an S&P 600 Value ETF. I would not be comfortable with more than 5% of my US equity holdings in AAPL.
by Longtermgrowth
Sat Oct 14, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 3068

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

Since VOO (Vanguard S&P 500 Index) and VTI (Vanguard Total Stock Index) are 80+% identical, with VTI including small cap stocks, for maximum diversification I would look at VTI + VXUS (Vanguard Total International Stock Index). If you're looking at holding these funds for decades, the saying time in...
by Longtermgrowth
Sat Oct 14, 2017 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 75
Views: 44195

Re: Can't freeze credit at Experian?

Neither of us are on the list, but we decided to freeze our accounts, regardless. I'm curious what the Equifax site told you? For myself and others I know, it simply said "you may have been impacted". I've done freezing me credit with all the reporting agencies. I did everything online without any ...
by Longtermgrowth
Sat Oct 14, 2017 4:09 am
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 1298

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

Could just gift him the money to start the account, say just write him a check. I believe anything less than 14k in one year doesn't require a gift tax return...
by Longtermgrowth
Sat Oct 14, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 3302

Re: Earplugs that work on low frequency noise?

Seems any foam earplugs that block noise at the higher decibel number for their category should work, say foam 33db earplugs. If your wife isn't bothered by this, and otherwise hears things clearly, seems like a decent solution. Otherwise, if I were the only one around, I wouldn't want to dull my he...
by Longtermgrowth
Sat Oct 14, 2017 3:29 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 5146

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

It can take a while to figure out that someone you're talking with is driving. Unless asking rather or not upon initial contact, it really could be a while before you hear something indicating it. That alone should be a fair indicator of liability on your end of the conversation. If feeling that str...
by Longtermgrowth
Sat Oct 14, 2017 2:53 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 2339

Re: Understanding What Makes Vanguard So Successful

rkhusky wrote:
Fri Oct 13, 2017 12:07 pm
Didn't seem to mention the cons of growing too fast, such as declining quality of customer support and technology. I haven't had any issues, but have seen complaints from others.
This is why I hold Vanguard funds at another brokerage :annoyed
by Longtermgrowth
Sat Oct 14, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Hybrid Liability Matching Portfolio checkup?
Replies: 9
Views: 700

Re: Hybrid Liability Matching Portfolio checkup?

At probably half your age, if I had 20x R/E property on top of my current portfolio, I would feel the need to do nothing but enjoy life. If attempting to simplify, I would just add it to existing asset allocation across current funds held. I also wouldn't feel too terrible putting some of it into a ...
by Longtermgrowth
Fri Oct 13, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 2339

Re: Understanding What Makes Vanguard So Successful

I always think about how Vanguard funds are the only funds that have my interests aligned with theirs, when putting money in any other funds.
It makes me cringe a little, thinking how things could change in the future, with that smaller percentage of my portfolio in non Vanguard funds.
by Longtermgrowth
Fri Oct 13, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 4901

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

Not sure why the varying limits. I parked a bunch of vanguard index funds with Merrill Edge to get their top tier BoA rewards, so maybe that's why? Deposit a bunch of rent checks of varying amounts each month, no problems. Not sure what other problems folks have had - depositing is very easy. I use...
by Longtermgrowth
Wed Oct 11, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 82
Views: 10249

Re: Larry Swedroe: Non-US Valuations Look Attractive

Back when Mr. Swedroe was still posting on the forums last year, he said similar things. The lower valuations and diversification benefits of adding Developed and Emerging Small Value were enough to persuade me to add those funds. I'm still nowhere near global market cap weighting, but much higher p...
by Longtermgrowth
Tue Oct 10, 2017 1:17 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 20698

Re: Dividends vs. Capital Gains for Spending Needs?

All this talk about tax efficient funds got me thinking about Total Stock Market Index's low 90% range qualified dividend income in 2016. I remember reading that if the QDI is at a minimum of (or was it just above?) 95%, it counts as 100% QDI for the fund holders. How likely do you all think it is, ...
by Longtermgrowth
Mon Oct 09, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 5262

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

Froze ChexSystems and Innovis. Locked TransUnion and Equifax. Fraud alert at Experian for now; hoping they will come out with a free lock option soon, so I don't have to freeze there (I'm not paying a monthly fee for access to the lock option, which is currently the only way to lock at Experian). I'...
by Longtermgrowth
Sun Oct 08, 2017 2:34 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 9824

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

If I were that age with all the money I would ever need, feeling that way about equities, I might take some gains and buy an early SPIA (Single Premium Immediate Annuity) even though the mortality credits wouldn't be too great yet. Or simply buy more fixed income if the SPIA just seemed like too bad...
by Longtermgrowth
Sun Oct 08, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 18455

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

Noticed at 2:23 Bogle said: "So today the dividend yield is 2%, the previous 50 year average or so is like 3.5% dividend yield, and that's a dead weight loss of 1.5% return." Got me thinking about the Vanguard High Dividend Yield Index currently being around 3%. Could that current 3% actually be abo...
by Longtermgrowth
Sun Oct 08, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 8100

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

Due to being at the low end of the interest rate spectrum, and personally not seeing the possibility of rates going negative in the near future, but slightly rising over the coming years, I have 100% of fixed income in 5 year CD's instead of bond funds.
by Longtermgrowth
Sat Oct 07, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 16897

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

When I tried to freeze my credit at TransUnion, they tried to persuade me to instead sign up for their True Identity product, making it sound like it's just like a credit freeze, but free. The freeze would cost $15. So why does TransUnion want me to use their free product, rather than the one they ...
by Longtermgrowth
Fri Oct 06, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 39678

Re: Is a security freeze at Innovis really needed?

I'm still not sure what a "Global Credit Lift" is either. I did a search on that, and found a pdf instruction form for a temporary thaw of the big three. This is what it says at the end of the TransUnion instructions: "Please note: If you are in the state of Colorado and are requesting a lift you m...
by Longtermgrowth
Wed Oct 04, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 4361

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

mhalley wrote:
Tue Oct 03, 2017 9:46 pm
That’s why I put credit freeze in quotes, as we really don’t know exactly what it will be.
Indeed. Also, those that have signed up for the one free year of "TrustedID Premier" currently have the option to lock their Equifax credit report through their TrustedID Premier account.
by Longtermgrowth
Wed Oct 04, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: How to improve credit score
Replies: 23
Views: 1760

Re: How to improve credit score

The only easy thing I can think of is time: Average age of accounts, the higher the better. It's one factor many seem to not consider when thinking of closing that old card they've had forever, but no longer use.
by Longtermgrowth
Tue Oct 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 4361

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

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

So now it is free to lock at two of the big three, but as far as I can find, Experian still requires a paid subscription to lock credit there :(
by Longtermgrowth
Thu Sep 28, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 63147

Re: Equifax customer information leak

It also mentioned that the new CEO has promised to implement system by end January that "allows customers to fully control their own data"--whatever that means. When watching Nightly Business Report today, my initial impression was that they already made the free lock/unlock for life accessible. Sk...
by Longtermgrowth
Wed Sep 27, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3742

Re: BH phone review: Moto G5 Plus

Another aspect of cell phones that I think should be part of every review, is their SAR (Specific Absorption Rate) rating: https://www.fcc.gov/general/specific-absorption-rate-sar-cellular-telephones I like that these Moto phones are water and shock resistant, but they are on the high end of RF ener...
by Longtermgrowth
Sun Sep 24, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 153
Views: 30605

Re: How Do You Like My New 'Doo

Interesting list of top holdings! I see some of the top holdings of Vanguard's Total International Stock Index in there, but unfortunately Alibaba (BABA) isn't included in the Vanguard international funds currently.
by Longtermgrowth
Sat Sep 23, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 153
Views: 30605

Re: How Do You Like My New 'Doo

My portfolio looks more complex than it really is. I have a Mutual Fund IRA which has active funds in it, a Brokerage IRA and a Brokerage Roth IRA, and three leftover workplace savings plans which are mostly indexed. I also have a small Variable Annuity and a couple of small pensions. My accounts, ...
by Longtermgrowth
Sat Sep 23, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 153
Views: 30605

Re: How Do You Like My New 'Doo

Imho, having 10 different funds is to much of a ER cost/drag. I wonder if you should stream line the funds down to 2 or 3. It's the blended ER of the funds in the portfolio that matters. I like inputting everything in Morningstar's "Instant X-Ray" to check the blended ER ("Average Mutual Fund Expen...
by Longtermgrowth
Fri Sep 22, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 13556

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There's also the question of how many stocks are needed to be sufficiently diversified. For U.S. large caps, I've seen it mentioned that a minimum of 50 should about get a portfolio there. 50 might get you there, but there is also evidence that you need as many as 100 to be fully confident of attai...
by Longtermgrowth
Thu Sep 21, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 13556

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There's also the question of how many stocks are needed to be sufficiently diversified. For U.S. large caps, I've seen it mentioned that a minimum of 50 should about get a portfolio there. So 100+ individual stock holdings if also investing in international large caps, omitting mid and small caps fr...