Search found 3843 matches

by arcticpineapplecorp.
Tue Apr 16, 2019 4:43 pm
Forum: Personal Investments
Topic: New into small business and this forum - Need advice
Replies: 7
Views: 534

Re: New into small business and this forum - Need advice

Thank you for this wonderful analysis. I am totally in agreement with you. I think at this point, the easiest thing we could do is to grow our business that will generate more revenue and profit so that we can save for the dance studio. Would you recommend putting that saved money in some market at...
by arcticpineapplecorp.
Mon Apr 15, 2019 7:19 pm
Forum: Personal Investments
Topic: New into small business and this forum - Need advice
Replies: 7
Views: 534

Re: New into small business and this forum - Need advice

Hello, Me and my wife started a dance school as its her passion. We both have regular jobs and this is purely out of passion. Though, this business is not supposed to earn our daily living, I dream of growing it in the future. We have a monthly profit of around $600, and would like to put that mone...
by arcticpineapplecorp.
Mon Apr 15, 2019 7:07 pm
Forum: Personal Investments
Topic: Investing for older relative
Replies: 6
Views: 722

Re: Investing for older relative

please repost according to the following guidelines:

viewtopic.php?t=6212

otherwise, it's garbage in, garbage out.
by arcticpineapplecorp.
Mon Apr 15, 2019 6:56 pm
Forum: Personal Investments
Topic: [Advice on investments?]
Replies: 6
Views: 382

Re: [Advice on investments?]

the suggested format has you list all of your 401k choices. I'm trying to determine how you decided to go with "income plus" which is a blended fund and the stock part of that fund is probably duplicating what you're holding in other funds (like the large company index, growth fund, possible "modera...
by arcticpineapplecorp.
Mon Apr 15, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: Career Advice: Is active management really dying?
Replies: 26
Views: 2803

Re: Career Advice: Is active management really dying?

Michael Kitces and others in the industry say that despite the rise of automation/roboadvisors, etc. there's plenty of room for growth in the industry. In fact they often say that there are going to be a large number of advisors who will be retiring in the near future which will continue to open up ...
by arcticpineapplecorp.
Mon Apr 15, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 45
Views: 5207

Re: What is your one favorite fixed income for retirement?

generally the three fund portfolio is recommended which means for the fixed income portion an intermediate high quality bond fund will work. The recommendation often is the Vanguard Total Bond Market Index Fund (or something comparable at competing fund families). This is U.S. only and now Vanguard ...
by arcticpineapplecorp.
Mon Apr 15, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: $29 collections notice
Replies: 31
Views: 2745

Re: $29 collections notice

this is why Clark Howard says never put your SSN on any doctor's paperwork. Not only is there a security risk which happens via medical offices more often than you'd think, there's the possibility of reporting the charge and harming your credit. just a PSA. They don't need your SSN to get it on you...
by arcticpineapplecorp.
Mon Apr 15, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: $29 collections notice
Replies: 31
Views: 2745

Re: $29 collections notice

this is why Clark Howard says never put your SSN on any doctor's paperwork. Not only is there a security risk which happens via medical offices more often than you'd think, there's the possibility of reporting the charge and harming your credit. just a PSA. I would want to know why the medical offic...
by arcticpineapplecorp.
Mon Apr 15, 2019 1:22 pm
Forum: Personal Investments
Topic: [Advice on investments?]
Replies: 6
Views: 382

Re: [Advice on investments?]

[moved into its own topic - moderator prudent] New to BH also. 62 yrs old possible retirement in 1-2 years, married. Spouse brings nothing financially to the table. I just made a move last week to the INCOME PLUS which is 70% bonds and 30% stock. Before that I was 100% stock. Here's my mix in the 4...
by arcticpineapplecorp.
Mon Apr 15, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 1814

Re: Do You Give Money to Panhandlers?

no, never. I work in the system where benefits (food stamps or SNAP, cash assistance, etc. are provided for those who are eligible). For a while I've had people on the street ask for money for food so I would ask them if they were getting food stamps and if not, showed them how close they were to th...
by arcticpineapplecorp.
Sun Apr 14, 2019 7:39 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

If it's really a gift, then grandma has no say in how it is invested. I have seen people put all sorts of conditions on gifts. My wife’s family does this. Interestingly, my wife and I were never told what to do with the money, but her siblings all get conditions. I make sure that I always thank the...
by arcticpineapplecorp.
Sun Apr 14, 2019 7:37 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 4798

Re: Where to hold 2-3 years of living expenses

An online savings account is liquid, FDIC insured and has the highest rates. I use Ally, but there are others (Marcus/Goldman Sachs, Capital One, etc): https://www.bankrate.com/banking/savings/rates/ You could also use a short term bond index fund (but there could be slight volatility as rates chang...
by arcticpineapplecorp.
Sun Apr 14, 2019 5:44 pm
Forum: Personal Investments
Topic: What should I sell - need advice?
Replies: 13
Views: 1282

Re: What should I sell - need advice?

So your advice has nothing to do with taxes and everything to do with the "bet" I've placed. I can hear your argument. It is a bet I placed 20 years ago and while the past 10 haven't worked, since inception (~20 years ago) it's been a winning bet. I'm still up vs the S&P 500 since I acquired it. VG...
by arcticpineapplecorp.
Sun Apr 14, 2019 5:30 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

If it's really a gift, then grandma has no say in how it is invested. I have seen people put all sorts of conditions on gifts. My wife’s family does this. Interestingly, my wife and I were never told what to do with the money, but her siblings all get conditions. I make sure that I always thank the...
by arcticpineapplecorp.
Sun Apr 14, 2019 5:27 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

Why buy a lottery ticket when you can get the return of the market guaranteed? There's a saying "don't look a gift horse in the mouth". Would you rather get the gift, even if it were in the form of a lottery ticket or no gift at all? IMO, the OP should follow the wishes of grandma. At the very leas...
by arcticpineapplecorp.
Sun Apr 14, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 78
Views: 9256

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

if correct, the only things to do are: 1. increase your savings rate 2. cut your spending 3. work longer No, if asset returns are predicted to be low, some people may rationally choose to save less, because the rewards of deferring consumption have fallen. Of course, consuming more now means consum...
by arcticpineapplecorp.
Sat Apr 13, 2019 9:41 pm
Forum: Personal Investments
Topic: What should I sell - need advice?
Replies: 13
Views: 1282

Re: What should I sell - need advice?

Other options are: 1. let the market rebalance for you (in the next decline, your AA may reduce somewhat if not entirely) 2. add new money to the asset class (bonds) that's underweighted according to your AA. You do realize that since stocks rise more than bonds generally speaking, you'll have to ke...
by arcticpineapplecorp.
Sat Apr 13, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 78
Views: 9256

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

if correct, the only things to do are: 1. increase your savings rate 2. cut your spending 3. work longer As for international investments, I've heard the expected returns for international are supposed to be higher than U.S. because their prices are cheaper. Generally buying shares at cheaper prices...
by arcticpineapplecorp.
Sat Apr 13, 2019 4:05 pm
Forum: Personal Investments
Topic: Different investment strategies
Replies: 11
Views: 826

Re: Different investment strategies

the total stock market index funds you own contain most of the stocks in the market. That's why it's "total". People who buy small cap or small cap value think they're getting something different, but those assets are in the total stock market. All you're doing is "tilting" away from the market by o...
by arcticpineapplecorp.
Sat Apr 13, 2019 3:58 pm
Forum: Personal Investments
Topic: Should I cash in pension to avoid social security WEP?
Replies: 12
Views: 1103

Re: Should I cash in pension to avoid social security WEP?

is there a survivor benefit for your pension (and if so, what's the amount) and is there any significant age difference between you and your spouse? Would a survivor benefit be reduced/affected by WEP for your spouse? I still think expecting 8% annual returns for the S&P500 over the next 10 years is...
by arcticpineapplecorp.
Sat Apr 13, 2019 2:55 pm
Forum: Personal Investments
Topic: Should I cash in pension to avoid social security WEP?
Replies: 12
Views: 1103

Re: Should I cash in pension to avoid social security WEP?

The main unknown variable is the future value of the lump sum pension rollover. at 8% annual returns if invested in an IRA it would grow to about $70,000 by age 65 and about $102,000 by age 70. By my calculations if I keep the pension, I would receive pension payments of $9,984 between ages 65 and ...
by arcticpineapplecorp.
Sat Apr 13, 2019 2:46 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

I don't get it. Why would she be offended if you choose to get a mutual fund? You aren't rejecting a choice she made. I don't think she'd be offended, I just think maybe disappointed. I don't know, my sense is she hopes one day that the kids see a Disney movie and think of grandma, or their friend ...
by arcticpineapplecorp.
Fri Apr 12, 2019 8:54 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

Mutual funds don't make much sense unless you understand what a stock is. You can work your way up to mutual funds later. I disagree. Once you understand what a stock is and you realize you buy so many items from so many companies, how do you just choose one? How do you know which will be the best ...
by arcticpineapplecorp.
Fri Apr 12, 2019 8:50 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2860

Re: Investing gift from grandma

My stepmother has generously offered to gift $1,000 to my daughter when she is born next month, for purposes of funding a UTMA account and purchasing stock in her name. She has asked me to start thinking about what to buy. If she is asking you what you want to buy, then why can't you just buy VT (V...
by arcticpineapplecorp.
Fri Apr 12, 2019 7:05 pm
Forum: Personal Investments
Topic: How to determine daily NAV change for Total Intl Equities
Replies: 10
Views: 428

Re: How to determine daily NAV change for Total Intl Equities

I'm curious as to why you want to know other than to satisfy your curiosity? Is it important in any way? If you buy after 4 p.m. you're not going to get that day's price anyway, you'd get the next day's closing NAV which you won't know for closer to 23 hours. Are you trying to figure out what the N...
by arcticpineapplecorp.
Fri Apr 12, 2019 4:59 pm
Forum: Forum Issues and Administration
Topic: Uploading an image
Replies: 8
Views: 430

Re: Uploading an image

I used to use tinypic, now I use www.postimages.org. It's easier, quicker.
by arcticpineapplecorp.
Fri Apr 12, 2019 4:53 pm
Forum: Personal Investments
Topic: How to determine daily NAV change for Total Intl Equities
Replies: 10
Views: 428

Re: How to determine daily NAV change for Total Intl Equities

I'm curious as to why you want to know other than to satisfy your curiosity? Is it important in any way? If you buy after 4 p.m. you're not going to get that day's price anyway, you'd get the next day's closing NAV which you won't know for closer to 23 hours. Are you trying to figure out what the NA...
by arcticpineapplecorp.
Thu Apr 11, 2019 9:16 pm
Forum: Investing - Theory, News & General
Topic: Active vs Passive Fund management
Replies: 18
Views: 1328

Re: Active vs Passive Fund management

agree with much of what has been said, in particular the William Sharpe article "The arithmetic of active management" and The cost matters hypothesis. Look at the following SPIVA site which shows active vs. passive performance across many dimensions (countries, size, value, etc): https://us.spindice...
by arcticpineapplecorp.
Wed Apr 10, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 61
Views: 8641

Re: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"

Ted Seides is an opportunist. He offered the bet pre-2008 when valuations were high and other warning signs were become more clear that a downturn would eventually happen. He took the chance that his hedge fund picks would beat the index based on that very specific ten year outlook... basically he ...
by arcticpineapplecorp.
Wed Apr 10, 2019 9:19 pm
Forum: Personal Investments
Topic: Capital Gains question
Replies: 3
Views: 412

Re: Capital Gains question

you'd have to ask them what they're thinking. But you are correct that if someone sells assets in a taxable account that have appreciated in value in anticipation of a decline, then yes, they will pay capital gains taxes...that is depending on what other income they have. In some cases if their inco...
by arcticpineapplecorp.
Wed Apr 10, 2019 8:23 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 10957

Re: International under-performance

International equity funds by-and-large have badly under-performed US over the past 10 years. Q1: Is there a particular reason for this sustained under-performance? In VG’s risk-reward nexus, they show Intl as the highest. But it seems for the past decade, it’s been high risk with very little rewar...
by arcticpineapplecorp.
Wed Apr 10, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 61
Views: 8641

Re: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"

TL:DR version: Academic and rigid studies shouldn't be translated literally. Averages within silos aren't technically wrong, but in a practical sense, total portfolio performance can be misleading if everyone always thinks as if this is a game where the silos don't interact in a way that sum-of-par...
by arcticpineapplecorp.
Tue Apr 09, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans Question - Co-signer
Replies: 15
Views: 557

Re: Student Loans Question - Co-signer

mabye she's looking to get private loans? The problem with co-signing is that (as has been said) her parents would be responsible for the loans if she stops paying. The problem is they usually won't find out until after some point at which she's stopped paying. In the meantime, her non-payments will...
by arcticpineapplecorp.
Sun Apr 07, 2019 7:13 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 61
Views: 8641

Re: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"

TLDR:. Index funds only get average returns and capture 100% of every market downturn. People say they don't want "average returns" because they don't want to be "average". But here's the thing. Most active fund managers underperform the market. Only 20% of active managers beat the index in any giv...
by arcticpineapplecorp.
Sun Apr 07, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: "Worried about being pushed into 'higher tax bracket' "
Replies: 25
Views: 1977

Re: "Worried about being pushed into 'higher tax bracket' "

In fact, one teacher friend recently stopped tutoring an hour a day after school because she said it put her in the higher tax bracket ???? Not sure how involved you want to get here with your friend, but you could explain that sometimes it's possible to get more income but pay less tax. I do by de...
by arcticpineapplecorp.
Sat Apr 06, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: New York Times--A Price War Has Driven Fund Fees to Zero. They May Be Set to Drop Further.
Replies: 10
Views: 2776

Re: New York Times--A Price War Has Driven Fund Fees to Zero. They May Be Set to Drop Further.

thanks for the article. I found the following interesting: The Salt Financial filing says that the company’s founders plan to subsidize the fund until it attracts $100 million in investments. At that point, the subsidy, which amounts to no more than $50,000, would end. So would the fund’s negative f...
by arcticpineapplecorp.
Sat Apr 06, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 1963

Re: Valuation Informed Indexing

Are you aware the market has earned nothing or next to nothing over long periods of time in the past where you would have been better off with cash equivalents? easy to know in hindsight. impossible to know beforehand. If everyone knew this beforehand, everyone would have taken all their money out ...
by arcticpineapplecorp.
Sat Apr 06, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 1963

Re: Valuation Informed Indexing

Are you aware the market has earned nothing or next to nothing over long periods of time in the past where you would have been better off with cash equivalents? easy to know in hindsight. impossible to know beforehand. If everyone knew this beforehand, everyone would have taken all their money out ...
by arcticpineapplecorp.
Sat Apr 06, 2019 12:26 pm
Forum: Personal Investments
Topic: Roth IRA on my mind. Opinions Please
Replies: 16
Views: 1299

Re: Roth IRA on my mind. Opinions Please

Arctic - I think what Lakpr is concerned about is the l-o-n-g t-i-m-e international equities have lagged. If it's 20 years, that's a long time, enough to have 2 babies, put them through pre-school, elementary school, middle school, high school plus graduation, and on into college - I mean, that's a...
by arcticpineapplecorp.
Fri Apr 05, 2019 9:06 pm
Forum: Personal Investments
Topic: Roth IRA on my mind. Opinions Please
Replies: 16
Views: 1299

Re: Roth IRA on my mind. Opinions Please

what lakpr is missing is that you actually want to be buying what hasn't gone up as much as something else. Because you're trying to buy low and sell higher later on. International has higher expected return than U.S. It's cheaper by every measure (P/E, P/B, etc). Do you want to be buying that which...
by arcticpineapplecorp.
Fri Apr 05, 2019 8:54 pm
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 1963

Re: Valuation Informed Indexing

Indexing is not the only rational way to invest. Picking individual stocks or investing in mutual funds makes all the sense in the world for investors with the time and skill needed to succeed at those investing approaches . Indexing is a great option for those of us who are not yet well-informed o...
by arcticpineapplecorp.
Fri Apr 05, 2019 7:27 pm
Forum: Personal Investments
Topic: Struggling to get international allocation & with rebalancing
Replies: 4
Views: 336

Re: Struggling to get international allocation & with rebalancing

You could start contributing to an IRA with fidelity and buy FZILX (Fidelity Zero International Index Fund). That fund has 0% expenses so it wouldn't increase your expense ratio at all.
by arcticpineapplecorp.
Fri Apr 05, 2019 7:17 pm
Forum: Investing - Theory, News & General
Topic: April "Bogleheads on Investing" podcast with special guest Allan Roth!
Replies: 18
Views: 2402

Re: April "Bogleheads on Investing" podcast with special guest Allan Roth!

great job Rick. Really enjoying the podcasts thus far. Keep up the good work.
by arcticpineapplecorp.
Fri Apr 05, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: Is there a relatively stable junk bond fund?
Replies: 38
Views: 3416

Re: Is there a relatively stable junk bond fund?

just found a new oxymoron:

stable junk
by arcticpineapplecorp.
Fri Apr 05, 2019 5:01 pm
Forum: Personal Investments
Topic: high dividend investments
Replies: 34
Views: 2443

Re: high dividend investments

does anyone know of a fund that has consistently returned at least 7% per year? Like you invest $10,000 and you get: end of year one: $10,700 end of year two: $11,449 end of year three: $12,250.43 end of year four: $13,107.96 end of year five: $14,025.52 end of year six: $15,007.30 end of year seve...
by arcticpineapplecorp.
Wed Apr 03, 2019 9:11 pm
Forum: Personal Investments
Topic: Allocation/Stock and General Financial Advice Needed
Replies: 4
Views: 328

Re: Allocation/Stock and General Financial Advice Needed

welcome to the group. The three funds you list are properly diversified. Around 10,000 stocks of differing size (large, mid, small) both value and growth, in every sector of the economy and in over 40 countries. The bonds are plenty diversified as well (short, intermediate, long term, governement, c...
by arcticpineapplecorp.
Tue Apr 02, 2019 4:47 pm
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 3962

Re: I bought a stock for the first time.

congratulations. You just made mistake 51 Do You Chase the IPO Dream? (from Larry Swedroe's book "Rational Investing in Irrational Times" He says: Like the variable annuities...IPOs are products meant to be sold, not bought. He looks at the "reality of actual performance". The findings: A study cove...
by arcticpineapplecorp.
Mon Apr 01, 2019 5:03 pm
Forum: Personal Investments
Topic: Failed land investments and what to do with it?
Replies: 86
Views: 6002

Re: Failed land investments and what to do with it?

this is why gold, art, cars, wine, etc. are not investments, but are speculations. They may (or may not) fetch you more money than you paid originally (and including all the ongoing costs of storage, maintenance, insurance, etc) when you sell. Until you do, they're taking money out of your pocket b...
by arcticpineapplecorp.
Sun Mar 31, 2019 8:12 pm
Forum: Personal Investments
Topic: Mom retired with not quite enough savings, questions about annuity
Replies: 44
Views: 5136

Re: Mom retired with not quite enough savings, questions about annuity

State of Residence: IN Age: 65 Her Pension (through Nyhart) 33% - she can choose to take this as a lump sum rollover (35K) to an IRA or as an annuity of $210.96/mo (see below) by the way, www.immediateannuities.com has a SPIA for a 65 year old woman in IN with initial investment of $35,000 paying i...