Search found 522 matches

by Longtermgrowth
Mon Sep 04, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 13206

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: 3634

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: 1802

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: 7094

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: 7830

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: 1805

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: 2553

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: 17915

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: 1407

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: 1407

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: 11768

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: 1199

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: 6477

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: 26119

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: 1558

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: 20117

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: 10466

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: 10466

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: 1076

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: 10466

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...
by Longtermgrowth
Wed Jul 26, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 34219

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Looks like by adding a decent percentage of international stocks and bonds, these funds are basically a conservative and aggressive actively managed LifeStrategy Fund focused on income...
by Longtermgrowth
Wed Jul 26, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 10466

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

With the cards I've tried autopay on, they automatically debited on the due date without giving me the option to set it sooner. This made me nervous of a possible late payment, so I manually pay it myself usually within a few days of the statement date.
by Longtermgrowth
Tue Jul 25, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 26119

Re: Living Off Dividends

I suppose if nothing happens that hasn't already happened in the last 90 years, it could work alright. I seem to remember reading somewhere on here about a study showing that to be 100% sure of success, to plan for somewhere around a 50% cut in dividends. Seems a bit extreme, but who knows what the ...
by Longtermgrowth
Sat Jul 22, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4307

Re: Healthiest Beer for the Buck

Some interesting responses. Always like hearing others point of view, especially on this forum since there are some really smart posters here. Thanks for the link, fposte.
by Longtermgrowth
Sat Jul 22, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4307

Re: Healthiest Beer for the Buck

Mods: if this link is inappropriate to post, please remove. It's what really got me thinking about what's in my beer: https://foodbabe.com/2013/07/17/the-shocking-ingredients-in-beer/ SrGrumpy: I think I read a more recent article mentioning that Guinness stopped using fish bladder as an ingredient;...
by Longtermgrowth
Sat Jul 22, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4307

Healthiest Beer for the Buck

Question for those of you that look at the ingredients in your beer: What do you settle on for the cheapest beer with the least harmful ingredients? For those that haven't looked it up, I'm thinking mainly about dextrose and/or maltose being used, or other GMO (genetically modified organisms, i.e. s...
by Longtermgrowth
Sat Jul 22, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 10414

Re: Larry Swedroe: REITs Aren't Special

Personally, I've exchanged REITS for alternatives discussed in other threads: AQR Style Premia, TS Momentum, Alternative Lending, Reinsurance, Risk Variance Premia. Dave I remember looking into Reinsurance after reading some of Mr. Swedroe's articles about it, but it seems not too easily accessible...
by Longtermgrowth
Wed Jul 19, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 7290

Re: Investment advice for $4 million - can I do all stocks?

You'll probably be "that guy" who lost a bunch of money when the stock market crashed. But I guess that is a high quality problem if you don't need the money and you can ride through it. Shoot, I think many of us here will be that guy in the next crash. If a percentage of the dividend yield of the ...
by Longtermgrowth
Mon Jul 17, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 7052

Re: Thoughts on individual dividend investing?

Haven't thought about it much, but a heck of a deal for equal weighting at 12 basis points. Most studies dividend-wise seem to excel with yield or equal weighting. Some older studies with dividend size as the weighting factor are getting left behind the last ten years. Something eclectic is happeni...
by Longtermgrowth
Fri Jul 14, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 3606

Re: Do you pay fees to buy funds or ETFs?

No, I have 100 free trades a month at Merrill Edge. It's almost a bad thing because I just buy the funds I like. Currently holding 3 Vanguard, 3 WisdomTree and 1 Schwab ETF.
by Longtermgrowth
Thu Jul 13, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Equities Exposure, Overlap
Replies: 6
Views: 600

Re: International Small Cap Equities Exposure, Overlap

A couple hundred stocks comparing a combination of those funds is probably nothing more than noise. If you want to tilt to small caps, that would be a good reason to add VSS. Maybe I misread the OP, but I think the point is only a few hundred overlap! There are thousands not included in the market-...
by Longtermgrowth
Thu Jul 13, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Equities Exposure, Overlap
Replies: 6
Views: 600

Re: International Small Cap Equities Exposure, Overlap

A couple hundred stocks comparing a combination of those funds is probably nothing more than noise. If you want to tilt to small caps, that would be a good reason to add VSS.
by Longtermgrowth
Thu Jul 13, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 2649

Re: International Value Tilting

Do the arguments about about US value apply to international funds as well ? When reading through various threads about the small value premium, I seem to remember it being mentioned it should be even more so internationally. Besides lower valuations compared to US, how much longer have small value...
by Longtermgrowth
Wed Jul 12, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: International Value Tilting
Replies: 29
Views: 2649

Re: International Value Tilting

Hi all, Do you tilt toward value internationally? If so, what funds do you use? I'm using DLS (WisdomTree Intl. SmallCap Div Fund ETF) for developed small value and DGS (WisdomTree Emerging Mkts Small Cp Div Fund ETF) for emerging small value. Do the arguments about about US value apply to internat...
by Longtermgrowth
Mon Jul 10, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 19898

Re: Dividend Misunderstandings & Only Spend Return

Here is the updated study from Professor Jeremy Siegal going through 1957 thru 2012. The results are fairly current, with 55 years of analysis. You must keep in mind that the High Dividend Yield Index Fund is NOT the same screening or analysis as Professor Jeremy Siegal study. But it does a % compa...
by Longtermgrowth
Mon Jul 10, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 43
Views: 5201

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

If you know you want Vanguard funds, and are considering investing at Vanguard, you can use Vanguard mutual funds instead of ETFs. The funds are easier to deal with, and you can buy exact amounts, to the penny. Once you have 10K in a Vanguard index fund you get Admiral shares which have the same ER...
by Longtermgrowth
Mon Jul 10, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 21138

Re: Paul Merriman: The One Fund Every Investor Should Own

Very cool to get a response from Mr. Merriman himself! I would also like to thank him for everything he's done for the little guy. I enjoy his podcasts and think the whole Motif deal with his fund picks is the next best thing to him actually creating an ETF or two. How awesome would it be to have a ...
by Longtermgrowth
Mon Jul 10, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 43
Views: 5201

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Since I plan to buy and hold VTO, VWO, VBR only, TDAmeritrade seems the better option at this point. Thought it may have been a typo in the first post, but you mentioned VTO again. Do you mean VTI (Vanguard Total Stock Market ETF)? Between the two, I would personally go with TDA for the better cust...
by Longtermgrowth
Sun Jul 09, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors
Replies: 5
Views: 1685

Re: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors

Love the title :D It certainly grabs attention. Kind of funny, I had yelawolf pop the trunk playing when reading this. Talking about individual stocks? Don't make me go pop the trunk on you!
by Longtermgrowth
Thu Jul 06, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 21138

Re: Paul Merriman: The One Fund Every Investor Should Own

One other possible choice might be JKL, iShares Morningstar SCV ETF. It has a lower ER than RZV (0.30% vs 0.35%) and has slightly larger exposure to SCV (65% vs 61%). RZV is more "pure small-cap", due to JKL's 9% combined mid-large-cap value, but it seems like at least a viable option for a core SC...
by Longtermgrowth
Mon Jul 03, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 21138

Re: Paul Merriman: The One Fund Every Investor Should Own

In the above article, Merriman suggests VBR, the Vanguard Small Cap Value Fund ETF. In this article, http://paulmerriman.com/not-vanguard-funds-created-equal/ he compares VBR (which tracks the CRSP US Small Cap Value Index) and VTWV, the Vanguard Russell 2000 Value ETF. He finally recommends VTWV b...
by Longtermgrowth
Mon Jul 03, 2017 3:22 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 21138

Paul Merriman: The One Fund Every Investor Should Own

Came across the link for this article posted on the Morningstar forums, and even though it was originally written a few years back, thought some here might enjoy the short yet informative read: http://paulmerriman.com/the-one-fund-every-investor/
by Longtermgrowth
Sat Jul 01, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 3283

Re: SP500 vs High Dividend Yeld Global Stocks

VTV (Vanguard Value ETF) does tilt slightly more towards value than VYM (Vanguard High Div Yield ETF), but both are solidly in value territory and a decent bit cheaper than the market. I've seen VYM recommended over VTV before, considering the slightly lower volatility and possibly less variation in...
by Longtermgrowth
Thu Jun 29, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 3283

Re: SP500 vs High Dividend Yeld Global Stocks

Reinvesting dividends without being taxed on them, very interesting! You say the fees are higher, how much higher? I'm curious what this global high dividend yield ETFs ticker is? Also, if just looking at valuations, I would pick the global high dividend yield fund over 100% US. Many here believe i...
by Longtermgrowth
Wed Jun 28, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 3283

Re: SP500 vs High Dividend Yeld Global Stocks

Am I missing something here? For long term growth investors it may be different, but for targeting a reasonably predictable income monthly from a portfolio, seems to me that a dividend ETF would be less volatile in that stream of payments,not forcing me to sell shares at the wrong time. Any thought...
by Longtermgrowth
Tue Jun 27, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: SP500 vs High Dividend Yeld Global Stocks
Replies: 27
Views: 3283

Re: SP500 vs High Dividend Yeld Global Stocks

I know that for US investors dividends are of problem, but for European investors they are not because we have funds that automatically reinvest the dividends without having to pay any taxes. My question is: Does it make sense, to own a global high dividend yeld etf that automatically reinvest the ...
by Longtermgrowth
Tue Jun 27, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Price on ETF and the Mutual Fund, What?
Replies: 10
Views: 978

Re: Price on ETF and the Mutual Fund, What?

I wonder how high they generally let ETFs get before they split. All things being equal value wise, if there's an ETF that has a higher price, it makes lump sums easier. When my orders are over 500 shares, especially over 1k shares, I feel inclined to split them up.
by Longtermgrowth
Tue Jun 27, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One Money Market Increases to 1.10% APY
Replies: 16
Views: 3348

Re: Capital One Money Market Increases to 1.10% APY

At least they moved it up some. I still think it would have been better on their part to add a higher tier interest rate on their savings accounts instead of starting a slightly higher rate for 10k and over money market. There was a thread here when the money market accounts started at Capital One. ...
by Longtermgrowth
Mon Jun 26, 2017 1:56 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 8454

Re: Your Favorite Vanguard Fund

“A warrior should not have a favorite sword” ~ Miyamoto Musashi If you read Musashi's “A Book of Five Rings” there's numerous stories of swordsmen who make the deadly mistake of relying on a favorite weapon or trying to replicate a previous success during a sword fight. I don't think investing is a...
by Longtermgrowth
Sat Jun 24, 2017 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 5459

Re: Is VG Total Stock Market Index too concentrated?

If you feel it's too concentrated in it's top holdings, instead of putting everything in TSM, allocate a percentage to a small cap fund like VBR (Vanguard Small-Cap Value ETF). I think there are quite a few here that tilt a significant percentage of their domestic equities to funds like VBR.