Search found 552 matches

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: 10029

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: 18877

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: 8405

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: 17525

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: 41887

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: 4470

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: 1825

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: 4470

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: 65152

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: 3870

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: 158
Views: 32469

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: 158
Views: 32469

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: 158
Views: 32469

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: 13847

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: 13847

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...
by Longtermgrowth
Wed Sep 20, 2017 4:23 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 13847

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

I use a dividend strategy in emerging markets small cap (DGS) that will induce a value tilt by overweighting the higher yielding payers. I do the same with all my small value tilts: DGS (WisdomTree Emerging Markets SmallCap Dividend Fund), DLS (WisdomTree International SmallCap Dividend Fund), and ...
by Longtermgrowth
Wed Sep 20, 2017 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 65152

Re: Equifax customer information leak

Anyone here just place a fraud alert on one of the big three? By law they have to notify the rest, and it stays there for 90 days. Would the fraud alert make freezing credit anymore difficult within the 90 day period? After all, currently we don't have 90 days left to place a free freeze on Equifax....
by Longtermgrowth
Wed Sep 20, 2017 12:44 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 13847

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

snarlyjack, I looked up the state you mentioned, curious if it gave preferential treatment to qualified dividend income or long term capital gains, and found it interesting that they do give a 2% capital gains tax credit: https://revenue.mt.gov/Portals/9/individuals/forms/2017_IITRates.pdf hoops777,...
by Longtermgrowth
Mon Sep 18, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 966

Re: Credit Freeze and Insurance quotes etc.

Hopefully the practice becomes illegal in all states soon, but so far it's just prohibited in: "A few states prohibit insurers from using consumer credit information – California, Massachusetts and Hawaii for auto insurance and Maryland and Hawaii for homeowners insurance." Source: http://uphelp.org...
by Longtermgrowth
Mon Sep 18, 2017 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Frozen credit while job hunting?
Replies: 2
Views: 592

Frozen credit while job hunting?

Are there general expectations employers have of those with frozen credit?

Since some employers don't check credit, does one just wait for them to mention that there will be a credit check, then ask which agency to thaw one's report at?
by Longtermgrowth
Fri Sep 15, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 65152

Re: Equifax customer information leak

Question for everyone: If applying for a job, what wouldn't you want to have frozen? The big three (Equifax, Experian, Transunion)? Is Innovis and ChexSystems alright to keep frozen? Edit: Since some employers don't check in the first place, do you just wait for them to ask you to thaw your report a...
by Longtermgrowth
Tue Sep 12, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33261

Re: Iphone X is $1000

Did anyone else find the upper portion of the iPhone X unappealing? If the upper left and right only display battery power and signal strength, that's alright, but it has the background image in there too! It was annoying to me the first second I saw an image of it...
by Longtermgrowth
Tue Sep 12, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 4349

Re: ownership of "small cap value" stocks

It would be interesting to know if this were true or not. Will hedge and/or quant funds stay in until they don't see short term gains or are they in for the long haul? Presumably funds like DFA SV are in for the long haul, but what about investors in DFA SV or similar? Investors in TSM presumably d...
by Longtermgrowth
Tue Sep 12, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: ownership of "small cap value" stocks
Replies: 50
Views: 4349

Re: ownership of "small cap value" stocks

I remember a thread not long ago, stating that Vanguard recently changed the way they calculate P/E to something similar, or exactly like, Morningstar's Price/Prospective Earnings: forward-looking based on historical data. When I check Vanguard's site tonight, it's saying those numbers posted above ...
by Longtermgrowth
Sat Sep 09, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 13800

Re: Anyone else freeze their credit score?

I've been thinking about it. Not sure if I'm one of the half of the U.S. population using credit affected by it or not, because I saw on Nightly Business Report that Equifax's website to check rather or not my information was hacked was also compromised. Since I have the credit cards I want, and don...
by Longtermgrowth
Fri Sep 08, 2017 3:40 am
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12385

Re: Value Factor Investing is not Value Investing

Random Walker wrote:
Fri Sep 08, 2017 12:46 am
See the Larry Swedroe 9/8/17'article posted above on "Deep Value"

Dave
Looks interesting. Thought I would add a link to the thread for those that can't find it easily later on: viewtopic.php?f=10&t=227248&newpost=3524205
by Longtermgrowth
Thu Sep 07, 2017 11:56 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12385

Re: Value Factor Investing is not Value Investing

When it's all said & done I believe what Jack Bogle said: "Expenses matter a lot" & "Buy & hold for the very long term" & "Buy the haystack". I think "factor" investing in a index fund would sacrifice the whole strategy, given the above restrictions. Essentially you are factor investing with the Hi...
by Longtermgrowth
Wed Sep 06, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12385

Re: Value Factor Investing is not Value Investing

Longtermgrowth, Thank you that is very good advice. I was 20 years old when my Mom died (I' am now 23 years old). When I started out I knew I didn't want to pay any commissions so that left me with Fidelity or Vanguard. After studying the difference between companies I picked Vanguard. One of the b...
by Longtermgrowth
Tue Sep 05, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 14348

Re: Capital One -- Again!

compoundloss wrote:
Tue Sep 05, 2017 3:06 pm
I still can't believe they axed remote check deposit without even mentioning it.
I know... I even started a thread about it: viewtopic.php?f=10&t=225932&p=3497411#p3497338
by Longtermgrowth
Tue Sep 05, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12385

Re: Value Factor Investing is not Value Investing

Another series of funds that might be interesting is: 1). High Dividend Yield Index Fund (large blue cap value companies, 2.9 or 3.0% dividend yield). 2). Dividend Appreciation Index Fund (medium cap growing dividend companies, 1.8 or 1.9% dividend yield). 3). Small Cap. Value Index Fund (small val...
by Longtermgrowth
Mon Sep 04, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 14348

Re: Capital One -- Again!

I just noticed I can't access any of my accounts through the new site, and I don't seem to be the only one. All I get are error messages. :oops: http://downdetector.com/status/capital-one Any luck yet? I tried tonight and I am getting a can't access through this server error. They sent an email abo...
by Longtermgrowth
Mon Sep 04, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: RFID wallet?
Replies: 28
Views: 3828

Re: RFID wallet?

I got to wondering how close someone with a smartphone, scanning for a credit card, would need to be to read the magnetic strip or chip in someone's wallet. Started searching and found various videos that made me nervous about it, but since I like my old wallet, I simply lined the unused pocket behi...
by Longtermgrowth
Thu Aug 31, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: Building Vanguard Tot Intl (VXUS)
Replies: 14
Views: 1923

Re: Building Vanguard Tot Intl (VXUS)

So there is no general consensus on VSS, low end being 10%, high end being 20% with the majority stake in VEU to build VXUS? Looking here: https://www.bogleheads.org/wiki/File:VanguardIntlFunds.jpg , it seems 10% VSS (Vanguard FTSE All-World ex-US Small-Cap ETF), 90% VEU (Vanguard FTSE All-World ex...
by Longtermgrowth
Sat Aug 26, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 7429

Re: Stocks On Sale - What do you buy?

Taylor, another great post. If I make it to 93 years of age, I hope I will be as sharp as you are. Same here. I need many years experience to get to that point of sharpness though, and I very much appreciate Mr. Larimore's continuous input when he could just spend all his free time out on the Bisca...
by Longtermgrowth
Fri Aug 25, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 42
Views: 8267

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

My initial thought when seeing the thread title was: Nice! More diversification with probably not too far off average duration if I was otherwise going with VCIT (Vanguard Intermediate-Term Corporate Bond ETF). However, after seeing that it is a fund of funds, or ETF of ETFs, I have the feeling that...
by Longtermgrowth
Fri Aug 25, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity - model ETF portfolio
Replies: 11
Views: 1980

Re: Fidelity - model ETF portfolio

In a taxable account I would go with the commission free ETFs ITOT (iShares Core S&P Total U.S. Stock Market ETF) and IXUS (iShares Core MSCI Total International Stock ETF) over the mutual funds, since there should be no capital gains distributions from the ETFs.
by Longtermgrowth
Fri Aug 25, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 2908

Re: Subaru - One tire bad replace all four?

Agreed at 7 years old to replace all 4. How many miles on them? How does the tread depth look? 31k miles. They said the tread was still good and are wearing evenly. Francis So one tire has visible dry rot, but all still have tread well enough above the wear bars? If I were replacing one tire due to...
by Longtermgrowth
Mon Aug 21, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 20015

Re: I own no international stocks. Can you guess why?

Are you on a glide path from stocks to bonds, while choosing to sell stock funds with the least capital gains to avoid the tax hit?
by Longtermgrowth
Thu Aug 17, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Depositing checks by uploading image from computer?
Replies: 10
Views: 1638

Re: Depositing checks by uploading image from computer?

GuyInFL wrote:
Thu Aug 17, 2017 10:58 pm
My banks have all switched to deposit by phone camera only.
More than one?! Wonder if they are all going to do away with computer image upload...
by Longtermgrowth
Thu Aug 17, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Depositing checks by uploading image from computer?
Replies: 10
Views: 1638

Depositing checks by uploading image from computer?

Anyone know of a good online savings account for check deposits by pictures uploaded from computer? Capital One just took away this capability. Barclays says they are compatible with most computers and scanners, so they may work, but I always take a picture with a digital camera instead of using a s...
by Longtermgrowth
Tue Aug 15, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: New Dividends Appreciation data series - backtesting
Replies: 112
Views: 12670

Re: New Dividends Appreciation data series - backtesting

Very nice thread. Appreciate the work, siamond. I'm curious where everyone would put the Dow Jones U.S. Dividend 100 Index (SCHD, Schwab U.S. Dividend Equity ETF tracks this) compared to Vanguard's High Dividend and Dividend Appreciation. I've seen it mentioned a number of times that SCHD could be v...
by Longtermgrowth
Tue Aug 08, 2017 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Ultra Short Term Bond Fund
Replies: 6
Views: 1348

Re: Ultra Short Term Bond Fund

The alternative seems to be to use floating rate loan ETFs like FLOT/FLRN. I have some free trades, (and anyway ETF trading costs are fairly low). When I looked into ETFs like those a while back, I liked the looks of MINT (PIMCO Enhanced Short Maturity Active ETF). It trades in high volumes and has...
by Longtermgrowth
Mon Aug 07, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 6940

Re: trying to understand total market and value investing

Here is a article that might shed some light on the subject. I don't consider myself a value investor or a growth investor. I consider myself a dividend investor... Dividend investors are value investors. You may be a bit quirky and naive but you are on my team :happy BTW if you are still looking f...
by Longtermgrowth
Thu Aug 03, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 28109

Re: Living Off Dividends

jbolden, Thank you... that was very interesting & informative! Glad you enjoyed. I know you realize that your explanation went over 99% of the people minds...even mine... But I do appreciate it :) But the real question is: How is the best way to profit from dividends assuming we only use Vanguard F...
by Longtermgrowth
Fri Jul 28, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: If you were under 30 and had $3000 to invest, what would you do?
Replies: 14
Views: 1680

Re: If you were under 30 and had $3000 to invest, what would you do?

Hello, I am new to this forum and would like some investing advice. I am an intermediate investor and would like some direction fromthe more veteran community. I am 29 years old with $3000 cash in hand that I would like to invest for retirement purposes. I am leaning towards a vanguard mutual fund ...
by Longtermgrowth
Fri Jul 28, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 78
Views: 27973

Re: Vanguard Money Market vs. Savings Accounts

I am curious if many Bogleheads have a savings account? Since I don't have access to the Vanguard Money Market, I keep my liquid cash in an online "high yield" savings account. It's earning a little over 1%. I initially moved it to that savings account over the others because of a decent bonus at t...
by Longtermgrowth
Thu Jul 27, 2017 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11449

Re: Should you wait until the due date to pay credit card balance?

That was a purely cosmetic problem. Occasionally their system temporarily cries wolf, then it all settles down within a day. It's apparently a well known glitch with BoA, but it's harmless once you realize the nature of the glitch. Thanks for the reply, I hope they get that taken care of soon if it...
by Longtermgrowth
Thu Jul 27, 2017 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11449

Re: Should you wait until the due date to pay credit card balance?

That was a purely cosmetic problem. Occasionally their system temporarily cries wolf, then it all settles down within a day. It's apparently a well known glitch with BoA, but it's harmless once you realize the nature of the glitch. Thanks for the reply, I hope they get that taken care of soon if it...
by Longtermgrowth
Thu Jul 27, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Sector percentages/tilting?
Replies: 15
Views: 1191

Re: Sector percentages/tilting?

100% of VBR & VSS are represented in VT, so I am not sure what your statement about 0% overlap is referring to. Having said that, this looks like a perfectly reasonable AA for someone that wants to hold close to market-weight for US vs. Ex-US, but with a tilt towards Small/Value. Not sure what VG i...
by Longtermgrowth
Thu Jul 27, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11449

Re: Should you wait until the due date to pay credit card balance?

I don't "wait" a nanosecond. I simply set up all credit cards (I have many) to automatically pay the statement balance on the payment due date. The credit card companies "pull" from my checking account, so I don't have to worry about timing. They're all about the same time of month, and since the d...