Search found 552 matches

by Longtermgrowth
Thu Nov 02, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 6412

Re: Buying Vanguard ETF's VTI and VXUS

I think once the portfolio gets larger, it won't make much difference either way. No need to incur capital gains tax if the ETF buying process doesn't bother you.
Who knows, maybe you'll want to transfer to another brokerage later on, and having ETFs makes it that much easier...
by Longtermgrowth
Tue Oct 31, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Should we still be investing in high grade gov bonds considering the amount of public debt?
Replies: 10
Views: 1149

Re: Should we still be investing in high grade gov bonds considering the amount of public debt?

This thought has crossed my mind. Around what, 20 trillion for the U.S? I have fixed income invested mostly in direct CD's, but who backs the FDIC? :?
Current concerns ad missed, as far as bonds go, it seems U.S Government bonds are among the safest out of fixed income options...
by Longtermgrowth
Tue Oct 31, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Best to harvest Dividends to meet living expenses
Replies: 23
Views: 2836

Re: Best to harvest Dividends to meet living expenses

If dividends from stocks are needed, I would have them deposited into MM account; reinvest whatever is not needed. I currently have so much in fixed income, I'm reinvesting all dividends plus some from fixed income into stocks :oops:
by Longtermgrowth
Tue Oct 31, 2017 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 6412

Re: Buying Vanguard ETF's VTI and VXUS

Vanguard's stock/ETF dividend reinvestment purchases occur at market opening, which is known to have wider ask/bid spreads. That is arguably the worst time to be making such automatic purchases. There is no bid/ask spread at the opening cross when Vanguard buys dividend reinvestment purchases. And ...
by Longtermgrowth
Mon Oct 30, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 6412

Re: Buying Vanguard ETF's VTI and VXUS

This thread has me thinking about reading threads a while back, with one member mentioning they wouldn't bother buying with much less 7k per lot. It makes me wonder what the average lot size is for a Boglehead. The question regarding $80 in money market per month, why not just buy an extra share of ...
by Longtermgrowth
Mon Oct 30, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1915

Re: Sagestream freeze

Thanks for sharing that unfortunate ordeal. I hate to think how much more trouble it could have been if you hadn't saved those papers! Shows how important it can be to get a free report occasionally from these smaller agencies, along with the security freeze. I just learned about the ones other than...
by Longtermgrowth
Mon Oct 30, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Wrong amount of BABA in VT? [Vanguard Total World Stock]
Replies: 9
Views: 1300

Re: Wrong amount of BABA in VT? [Vanguard Total World Stock]

triceratop wrote:
Mon Oct 30, 2017 1:15 am
Totally fascinating! The semiannual report lists the portion of the portfolio held in the ETF as being 0.2% of net assets.
Hah, yeah... Once down to #48 on VXUS, it really is a tiny percentage. After all, the top 10 holdings are only 8.5% of the funds current 6,273 holdings :)
by Longtermgrowth
Mon Oct 30, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: Wrong amount of BABA in VT? [Vanguard Total World Stock]
Replies: 9
Views: 1300

Re: Wrong amount of BABA in VT? [Vanguard Total World Stock]

It's interesting that Vanguard has added BABA now. Not long ago, I was complaining that it wasn't included within VWO (Vanguard FTSE Emerging Markets ETF). I checked for it in VXUS (Vanguard Total International Stock ETF), and found another interesting detail in the list of holdings that I haven't s...
by Longtermgrowth
Sun Oct 29, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1915

Re: Sagestream freeze

I looked through the opt-out page on their site, but the way I read it, it only applies to Sagestream.

When I signed up on the OptOutPrescreen site, I figured it included the smaller agencies, but thinking about it now, they do just list the four larger ones on their main page (big 3 + innovis)...
by Longtermgrowth
Sat Oct 28, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1915

Re: Sagestream freeze

The Wiki includes Sagestream https://www.bogleheads.org/wiki/Credit_freeze , and from my research, it looks to be used as an alternative to the big three by some institutions. I have also found websites recommending a freeze of Sagestream for better approval on select cards, as one can have a good c...
by Longtermgrowth
Sat Oct 28, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1915

Sagestream freeze

Have many here felt the need to freeze at Sagestream if already having gone through the trouble to freeze at the others (chexsystems, innovis, the big 3)?

How did the phone call for the freeze go? Was it an automated system recording your voice for the required info?
by Longtermgrowth
Fri Oct 27, 2017 5:15 am
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 5417

Re: How Well Do You Know About Retirement Income?

Interesting little quiz. I missed 3: 1 medicare and 2 health questions. My reaction to the percentage of the population that will require long term care :shock:
by Longtermgrowth
Fri Oct 27, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36366

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Very cool. I would love to get an autographed copy, but doubt I'll be able to make it down to FL for a Boglehead meetup, if there is one :(
by Longtermgrowth
Fri Oct 27, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6759

Re: What is going on with the home insurance rates?

Is there anyone thinking calling Geico might help? I've found that the homeowners policy quotes from Geico aren't very competitive compared to some other companies, even after factoring in a discount because of having auto insurance with them. Of course your area may vary, but taking the time to ge...
by Longtermgrowth
Fri Oct 27, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 11
Views: 1786

Re: Question on new credit karma feature related to breaches

For those not signed-up with credit karma, one can check any email address here: https://haveibeenpwned.com/ I saw that in another thread. Makes me think of video games... pwned, power owned. Though unfortunately in this sense, it means a completely different thing than beating someone in a video g...
by Longtermgrowth
Fri Oct 27, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 6279

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: 6882

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: 8694

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: 1786

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: 8694

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: 1786

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: 5821

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: 1662

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: 3665

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: 1662

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: 1711

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: 6279

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: 11138

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: 566
Views: 69156

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: 21304

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: 10466

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: 21304

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: 566
Views: 69156

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: 6047

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: 6047

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: 529

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: 3778

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: 4860

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: 3213

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: 46102

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: 1363

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: 3778

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: 5319

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: 2422

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: 760

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: 2422

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: 5262

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: 10743

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: 21304

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: 5576

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'...