Search found 488 matches

by Longtermgrowth
Mon Jul 10, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 18834

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: 4457

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: 20259

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: 4457

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: 1646

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: 20259

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: 20259

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: 20259

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: 3115

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: 3115

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: 3115

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: 3115

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: 870

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: 3182

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: 7923

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: 5093

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.
by Longtermgrowth
Sat Jun 24, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 8438

Re: Your Favorite Portfolio Tilts

My current tilts: -Small Cap Value (VBR). -Consumer Staples (VDC). I think this one is a particularly good hedge to be in while valuations are as high as they currently are, in case of an imminent crash. This gets me the returns I want without waiting on the sidelines like a silly market timer! I a...
by Longtermgrowth
Thu Jun 22, 2017 3:21 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 8438

Re: Your Favorite Portfolio Tilts

Domestic large value, VYM (Vanguard High Dividend Yield ETF), SCHD (Schwab US Dividend Equity ETF). Developed small value, DLS (WisdomTree International SmallCap Dividend Fund). Those three are my favorite, and I have the feeling I would do just fine, maybe even better than the total market funds in...
by Longtermgrowth
Thu Jun 22, 2017 1:41 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5841

Re: Help with Guns in Estate [how to sell]

I would certainly want to review handgunlaw.us before even transporting. It's sad how gun laws vary so much by state when the Second Amendment should say enough. I've gone through the trouble for a concealed carry permit, yet still can't legally carry in some states.
by Longtermgrowth
Thu Jun 22, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 4846

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

A-shares in MSCI will be less than 1%. Not sure if/how much that will increase. Morningstar seems to be saying it'll stay there which is much less than in VWO (FTSE). Makes sense that it would be a lower percentage in IEMG, since IEMG includes South Korea in the index, unlike VWO. If that 2030 fore...
by Longtermgrowth
Wed Jun 21, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 4846

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

How many A-shares does VWO (Vanguard FTSE Emerging Markets ETF) hold currently? So, will IEMG (iShares Core MSCI Emerging Markets ETF) look more appealing to anyone here after including 222 A-shares? IEMG also holds other not quite stocks (BABA, one other?) that VWO omits. Even though there are legi...
by Longtermgrowth
Mon Jun 19, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 6457

Re: Dehumidifier woes

I saw that spec too and paused. I'm wondering if 2% is OK for preventing rapid cycling if the control plug isn't right next to the unit. We're talking heavy duty extension cord to get the controller farther away from the source of moisture. Edit to add: I also wonder if cutting the power to the uni...
by Longtermgrowth
Sun Jun 18, 2017 4:34 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 6457

Re: Dehumidifier woes

I strongly recommend the Dayton plug. Looked it up and the price isn't too bad. The specs I find on it say that it has a "Differential +/- 1 RH %", which I'm thinking would be equivalent to a 2% swing going by what I was saying earlier. That would be the only thing discouraging me, since I want the...
by Longtermgrowth
Sat Jun 17, 2017 2:53 am
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 2860

Re: Solar attic fans vs. regular turbines?

As far as we can tell there is no intake right now. Obviously we need to fix that. We plan to install six box vents for intake which is what most of the contractors recommended. Unfortunately as I mentioned before there is no room to install soffit vents. Box vents like gable vents on the sides of ...
by Longtermgrowth
Sat Jun 17, 2017 2:31 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 6457

Re: Dehumidifier woes

I'm going to be in the market for a dehumidifier soon. I'm interested in the controller. It does make sense that a sensor on the unit would see lower humidity quicker than at a distance. Brand / Cost of the controller you use? I presume you set the dehumidifer at "min" or "always on", and let the c...
by Longtermgrowth
Fri Jun 16, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 6457

Re: Dehumidifier woes

I have found that all of these cheaper, easy to obtain dehumidifiers (ie found in retail stores) internal dehumidistat will short cycle the unit because of the moisture left on the coils after it cycles off. They may also have a fairly low humidity swing on/off trigger point. Decided to get an exter...
by Longtermgrowth
Fri Jun 16, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 2860

Re: Solar attic fans vs. regular turbines?

The first step I would take it so make sure you have adequate insulation and barriers in the attic, increase penetrations in the soffit for more air intake and finally more exhaust, in that order. Good advice and if soffit vents aren't an option, how about gable vents for intake? For those of us th...
by Longtermgrowth
Fri Jun 16, 2017 1:37 am
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 1815

Re: How do you get this Bogleheads page to go all the way across the screen

When I got a new widescreen monitor, I had to play around with Ctrl +, - for a while to find where I like it. It's at 133% zoom with resolution on 1360x768.
by Longtermgrowth
Thu Jun 15, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 8035

Re: Have you canceled cable?

Right now I pay for internet/phone/cable together as a package. I was thinking of canceling the cable part and keeping phone and internet. Has anyone done this and opted for other means of watching your favorite shows? I know Amazon prime has shows and I'm not very up to date on other places to wat...
by Longtermgrowth
Wed Jun 14, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 6207

Re: Larry Swedroe: Persistence Of The Value Premium

Same goes for value vs. TSM. TSM may outperform over 15 years but if it does it likely won't be by much. Hence, you will not lose the farm with a full value strategy. The chances of good value strategies of outperforming by a percentage point or two are much greater IMO. That was my line of thinkin...
by Longtermgrowth
Sun Jun 11, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Persistence Of The Value Premium
Replies: 47
Views: 6207

Re: Larry Swedroe: Persistence Of The Value Premium

I have come to the conclusion that if the average investor thinks he/she can simply invest in VBR instead of VTI and make more money, he/she is likely to be disappointed. It simply cannot be that easy. Looking at the portfolio growth chart in the time frame from 2005 to end of May 2017, VBR (Vangua...
by Longtermgrowth
Sat Jun 10, 2017 2:41 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 10864

Re: 100% Stocks For A Late Starter?

Guess it depends on the job situation along with current portfolio balance and expenses at forty something. Does the job offer a pension? Are you close to being 100% vested in pension? Does it cover a good chunk of living expenses if you were to retire tomorrow? If not, a decent percentage in bonds ...
by Longtermgrowth
Sat Jun 10, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Items with mimimal risk of inflation increase
Replies: 17
Views: 1743

Re: Items with mimimal risk of inflation increase

Replies can't have much relevance without knowing the OP's age along with current expenses and portfolio balance/composition. If I were in my late 60's, even at these low interest rates, I wouldn't have an issue with putting at least some percentage of my portfolio in an SPIA (single premium immedia...
by Longtermgrowth
Sat Jun 10, 2017 1:24 am
Forum: Investing - Theory, News & General
Topic: Investor demand for dividends and mutual fund behaviors
Replies: 15
Views: 2635

Re: Investor demand for dividends and mutual fund behaviors

The natural follow-up question would be, which *existing* investment come closest to an international small value fund? Is it DLS/DGS (Longtermgrowth edited to add DGS fund name: WisdomTree Emerging Markets SmallCap Dividend Fund)? (discussed above). Those are the two easiest conclusions I came to ...
by Longtermgrowth
Sun Jun 04, 2017 3:16 am
Forum: Personal Finance (Not Investing)
Topic: What Will Home Care Cost?
Replies: 34
Views: 4346

Re: What Will Home Care Cost?

Wishing a fast recovery and the best for both of you. Home care can add up fast even at the lower range of 20 an hour here. I would look up and call the various agencies in your area, describe to them the situation needs, and get an hourly quote. It may be in both of your best interests to schedule ...
by Longtermgrowth
Fri Jun 02, 2017 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 414
Views: 82059

Re: Bank of America/Merrill Edge - Preferred Rewards

I got closer to 200 with the 75% bonus, but it depends on how much gas vs other purchases (1% everything, 2% groceries, 3% gas with 75% added to that in addition to the bonus). I think their boglehead experience (great customers) has temped them to raise the bonus to tempt more bogleheads :wink:
by Longtermgrowth
Fri Jun 02, 2017 1:32 am
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 30
Views: 4891

Re: Place to put Cash - short term

Not all government bonds are exempt from state tax, just treasuries. And, at least in my state, at least 50% of a funds income needs to be from treasuries before you can deduct. Thanks for the reply; not sure about NY or my state (I've searched my own state and still don't know :oops: ), but if one...
by Longtermgrowth
Fri Jun 02, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 5811

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

I want an ETF that weights the various cryptocurrencies at their market capitalization :greedy If the bitcoin ETF is ever approved, I'll put a little something in it, but other than that, not messing with it. I remember looking at it when one bitcoin was equal to around a dollar... Might have made a...
by Longtermgrowth
Fri Jun 02, 2017 12:39 am
Forum: Investing - Theory, News & General
Topic: Synchrony Bank raised HY Savings to 1.15%
Replies: 19
Views: 2773

Re: Synchrony Bank raised HY Savings to 1.15%

Hope this encourages the other large players to raise their rates a bit. Now if only all high yield savings at least matched our current fairly low inflation rate of what, 2.something percent?
by Longtermgrowth
Wed May 31, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 30
Views: 4891

Re: Place to put Cash - short term

Would part of BSV/VBIRX (Vanguard Short-Term Bond) distributions be exempt from state taxes? I notice on Vanguard's site that 64.6% of it is listed as "U.S. Government".
by Longtermgrowth
Tue May 30, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 30
Views: 4891

Re: Place to put Cash - short term

I've been thinking I might at least like to have part of my 1% savings account (some of the excess that should be in stocks anyway) in something like SCHO (Schwab Short-Term US Treasury ETF) partly because it should save me a little on state taxes, while hopefully not dropping too much if interest r...
by Longtermgrowth
Sat May 27, 2017 3:35 am
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 2246

Re: carpet beetles (varied carpet beetle)

As with roaches, boric acid powder will work on carpet beetles if they come in contact with it. I have many low traffic areas dusted with boric acid. If you decide to use it, just be sure to keep away from food prep areas. I have noticed they will hang around areas where there is dust from paper tow...
by Longtermgrowth
Tue May 23, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 37
Views: 4220

Re: Do you keep extra money available for investing

You know, that's what your bond allocation is for. Bonds were UP about half a percent on last week's dump, so you made more than cash before you exchanged into equities and watched those equities POP. And then you rebalanced back into bonds on Friday. I've been wondering what the ideal bond ETF wou...
by Longtermgrowth
Tue May 23, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 12208

Re: A Gem from Livesoft

It is this chart that made me realize I need to get to 50% stocks at some point in the not too distant future :sharebeer
by Longtermgrowth
Tue May 23, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 9346

Re: SEC Rejects Winklevoss Bitcoin ETF

When I saw "Bitcoin Flying As ETF Gets Second Shot" on etf.com, I thought about this thread and figured I would post the link here :happy

http://www.etf.com/sections/features-an ... econd-shot
by Longtermgrowth
Sun May 21, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 11463

Re: The Case for Dividend Stocks in Retirement (article)

Longtermgrowth: Thank you! This forum is pretty special & it's hard to stay away from. Yes, I was invested in VHDYX then Larry Swedroe convinced me into switching into TSM. Then after sleeping on it for awhile I switched back into VHDYX. I like both funds! But for my purposes I think VHDYX is a bet...
by Longtermgrowth
Sun May 21, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 25
Views: 5246

Re: Safe 5 percent ROI

Depending on age, a single premium immediate annuity could pay over 5 percent, but part of that would be a return of principal, since the principal is no longer accessible for the remainder of ones life.
by Longtermgrowth
Sat May 20, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 2546

Re: Why ETF settlement happens on T+3?

If you have a margin account it's allowed (with sufficient credit available). Makes me wonder if I should have signed up for a margin account. What if I hold a bond and stock ETF, see stocks drop, and want to rebalance that day by selling the bond ETF to buy more stock ETF? An ACH transfer from ext...
by Longtermgrowth
Fri May 19, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 92
Views: 11463

Re: The Case for Dividend Stocks in Retirement (article)

My choice is Vanguard High Dividend Yield fund (VHDYX). It pay's approx. 3% dividends & compares very closely to the TSM & S & P 500. Thought exercise: if the yield is the end-all, which fund would you recommend to someone and why: Vanguard High Dividend Yield (VHDYX), SEC yield 3.05% Vanguard Inte...
by Longtermgrowth
Thu May 18, 2017 12:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261854

Re: U.S. stocks in freefall

Looking at the gains since November 2016, today's decline doesn't seem like much. I suppose volatility being so low lately makes this decline more of a talking point. If the selloff continues at around the same rate through next week, then we really have something to talk about. :beer