Search found 2778 matches

by arcticpineapplecorp.
Fri May 25, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: where did this Vanguard post go? And how to get it back?
Replies: 1
Views: 323

where did this Vanguard post go? And how to get it back?

Does anyone know why Vanguard got rid of a post titled, "Stopping the silent killer of returns?" It was one of my go-tos to explain the impact of fees on investment returns. Below is a screen shot from the post which I've saved. While I can just repost the numbers I like to provide links where infor...
by arcticpineapplecorp.
Fri May 25, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Couple of questions about passages from Bogle's book "Enough"
Replies: 6
Views: 914

Re: Couple of questions about passages from Bogle's book "Enough"

Thanks very much Paul. I read both articles (will read through the SEC filing tomorrow. I appreciate that link, didn't think to search it myself) but I still don't understand what he meant exactly about asymmetric information favoring sellers over buyers. I read the two articles and while I agree wa...
by arcticpineapplecorp.
Fri May 25, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Couple of questions about passages from Bogle's book "Enough"
Replies: 6
Views: 914

Re: Couple of questions about passages from Bogle's book "Enough"

just bumping to see if there were any thoughts on my couple of questions. thanks!
by arcticpineapplecorp.
Thu May 24, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 46
Views: 3634

Re: Alexa Echo sent family's audio file to a contact

When they first came out Clark Howard was talking about it all the time until he got numerous complaints from his listeners. Apparently people were listening to his show and everytime he said "Alexa" it would wake up the device and his listeners had to tell him to stop saying "Alexa" and say "smart ...
by arcticpineapplecorp.
Thu May 24, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Couple of questions about passages from Bogle's book "Enough"
Replies: 6
Views: 914

Couple of questions about passages from Bogle's book "Enough"

I just picked up a copy of Bogle's book "Enough" at our library book sale this week (dirt cheap, very bogleheadish). I'm only 75 pages in but I've already had a learned so much. There are two questions I have and I thought I'd ask for your take on it (whether you've read it or not). I also was not a...
by arcticpineapplecorp.
Sun May 20, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2501

Re: Wife Retiring hesitant to roll-over funds to Vanguard

why don't you have your wife read the following: https://www.bogleheads.org/wiki/Vanguard_safety The answer addresses the question, "What if Vanguard went broke?" I'm assuming that's why your wife is concerned with putting all her eggs in one Vanguard basket. Reading the link above should put her mi...
by arcticpineapplecorp.
Sun May 20, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: A scarcity or abundance of money?
Replies: 4
Views: 829

Re: A scarcity or abundance of money?

Some common attitudes about money: Money avoidance (believing money is bad or you don’t deserve it) Money worship (believing an increase in money or a windfall will solve your problems) Money Status (tying your self worth to your net worth) Money Vigilance (secretive about finances and overly wary ...
by arcticpineapplecorp.
Sun May 20, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: A scarcity or abundance of money?
Replies: 4
Views: 829

Re: A scarcity or abundance of money?

Do you feel there's a scarcity of abundance of money and why? Also, have you had a shift at some point in your life? I feel there's a scarcity because having enough money was a concern growing up, but would like to shift more towards abundance. I think we may need more information. Are you talking ...
by arcticpineapplecorp.
Sat May 19, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2434

Re: Do I understand duration correctly?

How would I go about reducing my average duration as my time horizon grows shorter? Switch to a shorter term bond fund if you so desire. But doing so provides less reward (interest) because you're taking less risk. The short term bond index fund has an average duration of 2.7 years and SEC yield of...
by arcticpineapplecorp.
Sat May 19, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: When I retire, what do I sell?
Replies: 11
Views: 2337

Re: When I retire, what do I sell?

You should 100% market time in your withdrawing phase. There is literally no downside. Don't change the amount you would draw down, but if market is up take it all out of stocks. If market dips considerably take it all out of bonds. This way you work to keep your asset allocation without rebalancin...
by arcticpineapplecorp.
Sat May 19, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 30
Views: 2432

Re: Dividend / no dividend index funds?

From the wiki (regarding tax-managed funds with Vanguard): Vanguard offers three mutual funds which are explicitly tax-managed. However, index funds and exchange-traded funds (ETFs) are inherently tax-efficient, and are sometimes less expensive; therefore, the tax-managed mutual funds may not always...
by arcticpineapplecorp.
Sat May 19, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Pension and Sociai Security Impact on 4% Rule
Replies: 20
Views: 2415

Re: Pension and Sociai Security Impact on 4% Rule

I just retired at 61. No pension, SS at 70. So I have 9 years with 100% from my own accounts. I’ll be taking out MORE than 4% for 9 years. After 70, 2% will be taken / spent. Of course RMDs will start at 70.5 and I don’t think I will spend it all. The long and short is that your percent may vary du...
by arcticpineapplecorp.
Sat May 19, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1531

Re: Nephew graduating high school & joining military. Gift Ideas?

How about making sure in addition to whatever gift/money you provide, you also provide highly valuable information, for instance, on the Roth TSP like this: That's a big pile of tax-free. So just how much tax benefit are we talking about here? Let's look at an example of the career of an E-6 with ei...
by arcticpineapplecorp.
Sat May 19, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 33
Views: 2434

Re: Do I understand duration correctly?

read this post about the point of indifference: https://www.bogleheads.org/forum/viewtopic.php?t=120947 The initial result was: by Electron » Sun Aug 04, 2013 4:33 pm The chart shows a bond fund starting out with a yield of 2%. The yield increases by 1% in January 2016, January 2018, and January 202...
by arcticpineapplecorp.
Thu May 17, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3779

Re: "Patient paid amount" for month of death in nursing home?

asking to talk to their chief CPA is not a bad idea (or ask to talk to a supervisor or the head of billing, etc). Could you also try talking to an ombudsman? Could you try talking to the owner of the facility (or the director)? If I were an organization that got numerous referrals (like you apparent...
by arcticpineapplecorp.
Thu May 17, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: where to put $1000 each for two kids (both worked this year and earned that much)
Replies: 7
Views: 628

Re: where to put $1000 each for two kids (both worked this year and earned that much)

Have her ask her kids what they think about the idea of starting a Roth IRA with the money. Many high schools cover IRA type investing in consumer finance classes. If her kids remember the discussion, and think starting a Roth IRA (with the benefits of compounding) would be a neat idea, this might ...
by arcticpineapplecorp.
Thu May 17, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: where to put $1000 each for two kids (both worked this year and earned that much)
Replies: 7
Views: 628

Re: where to put $1000 each for two kids (both worked this year and earned that much)

Give them each a $25 gift card, and tell her to start taking care of herself with the rest thanks. she is coming into a small settlement soon and will probably be able to set up a savings account and pay off her debts. Whether she gets back into debt or not is unknown. So her own emergency savings ...
by arcticpineapplecorp.
Thu May 17, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: where to put $1000 each for two kids (both worked this year and earned that much)
Replies: 7
Views: 628

where to put $1000 each for two kids (both worked this year and earned that much)

I have a female coworker who's not really financially savy (she doesn't save for retirement for instance and has no emergency savings). She asked another male coworker who used to be a manager at a bank what he thought of CDs. She said she is thinking about putting $1000 in a CD for each of her kids...
by arcticpineapplecorp.
Wed May 16, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7573

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

according to this chart the price of silver seems to drop everytime there's a recession (and even when there isn't one, like the last several years). How exactly is silver going to help you then? https://s7.postimg.cc/oso518zzf/Capture.jpg source: http://www.macrotrends.net/1470/historical-silver-pr...
by arcticpineapplecorp.
Wed May 16, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Etrading
Replies: 7
Views: 487

Re: Etrading

Any tips, tricks ect Welcome to the group. It's spelled "etc" not "ect". ECT actually stands for electro convulsive therapy. It's what's used on people who are so chronically depressed and for whom no other treatments (therapy/medicine) has worked. Not to make light, but the more people e-trade, th...
by arcticpineapplecorp.
Wed May 16, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9771

Re: how do you tip on wine at a restaurant

Jay-Z only left an $11,000 tip on a $80,000 bar tab. That's only a 13.75% tip. Cheapskate. These servers depend on their tips!

https://www.cnbc.com/2018/02/22/jay-z-s ... 0-tip.html
by arcticpineapplecorp.
Wed May 16, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7573

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Which stock market? The London stock market :wink: ? I'm asking this because your moniker has the initials UK at the end and unless that stands for Ultra Kool, I'm assuming you (and possibly your friend) are in (or from) the UK? Remember not all markets move together. So while one market might "cras...
by arcticpineapplecorp.
Tue May 15, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1234

Re: Vanguard Customer Service Improvement Incentive?

Here's some thoughts: Comparing Comcast and Vanguard is comparing apples and oranges. Comcast is for profit and publicly traded. Vanguard only has to cover it's costs and is not publicly traded. Comcast raises your costs. Vanguard lowers your costs (they've lowered mine anyway since I've been invest...
by arcticpineapplecorp.
Tue May 15, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6669

Re: Doubling Your Money

how timely...I just got this article in my email just now from Real Investing Journal (Tom Cock and Don MacDonald). Here's what Don says: The US stock market has delivered an average annual return of around 10% since 1926. But short-term results may vary, and in any given period stock returns can be...
by arcticpineapplecorp.
Mon May 14, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Are financial advisers like Wela useful?
Replies: 6
Views: 482

Re: Are financial advisers like Wela useful?

Hello - I currently have a financial advisory firm (Wela) managing my Rollover IRAs. They charge 1% of the portfolio currently and they have been performing OK. The portfolio is currently returning around 15% and is invested only in ETFs. My personally managed portfolio in Ameritrade is doing much ...
by arcticpineapplecorp.
Mon May 14, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 49
Views: 3956

Re: Meb Faber/Cambria/Trinity Funds

He reports having experienced similar returns with trend following as buy-and-hold over this period but with lower drawdowns, so I'm really not sure why he still uses a buy-and-hold approach with any of his equities. I suppose that he's still afraid of lagging the market when the bulls are at work,...
by arcticpineapplecorp.
Mon May 14, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1999

Re: Investing in Sports Betting Opportunities

First off, If I knew the answer, why would I share it with you (for free no less)? If I'm trying to profit, then I'm clearly not running a charity. Secondly, wouldn't I be lessening my profit by telling you the secret to success? Then you'll get a share of the spoils that I should have received. Why...
by arcticpineapplecorp.
Sun May 13, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or VEXAX [Vanguard Total Stock Market vs. Extended Market Index]
Replies: 11
Views: 827

Re: VTSAX or VEXAX

The extended market is the 20% of the market (roughly) that is not S&P500 (the other 80% roughly). So why do you have S&P500, extended market AND total stock market? It would seem you should have either 1 or 2 less funds in that you should have either: 1. s&p500 and extended market or 2. total stock...
by arcticpineapplecorp.
Sun May 13, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 3894

Re: Is Whole Life Insurance Worth It?

Either your "good friend" is not such a good friend or he isn't so bright in that he has been brainwashed into thinking whole life a good deal . good point. We must never forget "It is difficult to get a man to understand something when his salary depends upon his not understanding it" -- Upton Sin...
by arcticpineapplecorp.
Sun May 13, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6669

Re: Doubling Your Money

Since you already have good answers to your question, I propose a diversion. It's just as important to understand how quickly your money can be cut in half, and it's the risk of loss that enables an outsized return compared to cash. good point. For the OP, read more here to see what whodidntante is...
by arcticpineapplecorp.
Sun May 13, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6669

Re: Doubling Your Money

It includes dividends. But do you understand the main points of my previous post? That returns or rather sequence of returns are highly variable? Many expect to double every 10 years and then are disappointed when they don't. I do. The reason I ask is that at age 50 we have a fair bit in our retire...
by arcticpineapplecorp.
Sun May 13, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6669

Re: Doubling Your Money

It also depends upon valuations to some extent which is why posters are subtly trying to get you to be conservative with your expectations. Typically if the stock market has grown at 8% a year over decades, that would mean a doubling every 9 years (the previously explained rule of 72). So many expe...
by arcticpineapplecorp.
Sun May 13, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 97
Views: 10586

Re: Total Bond - SEC yield breaks 3%

The year to date gain for Total Bond Market is -2.33%. Two year cumulative total return = 00.05% (BND) $5.43 per $10K invested. https://s7.postimg.cc/mx92kkoqj/BND2-yr.png It's not all that bad. If you used the mutual fund instead of the ETF (using total bond market index fund VBTLX) you would be u...
by arcticpineapplecorp.
Sun May 13, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6669

Re: Doubling Your Money

It also depends upon valuations to some extent which is why posters are subtly trying to get you to be conservative with your expectations. Typically if the stock market has grown at 8% a year over decades, that would mean a doubling every 9 years (the previously explained rule of 72). So many expec...
by arcticpineapplecorp.
Sat May 12, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8885

Re: Retire Internationally for FIRE

Paul Merriman and his wife spend part of their year in Mexico in San Miguel De Allende (and the other time in Seattle). He's talked about it on his podcast in the past. He says it's cheaper than the U.S. and he and his wife have a cook to prepare meals that would not be affordable to do in the U.S. ...
by arcticpineapplecorp.
Sat May 12, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 3894

Re: Is Whole Life Insurance Worth It?

JoeChick10 wrote:
Sat May 12, 2018 3:15 pm
I have a good friend in the insurance industry who has recommended looking into a whole life policy.
I once had a friend who sold me whole life when I was 24 years old.

Two years later I wised up and got rid of the whole life insuarnce (and got term instead). I also got new friends.
by arcticpineapplecorp.
Sat May 12, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best Index Fund for IRA
Replies: 5
Views: 577

Re: Best Index Fund for IRA

The returns of both have been pretty similar over long periods of time. Why? Because VTSMX (total stock market index for the uninitiated) is roughly 80% S&P500 index fund (VFINX for the uninitiated) and 20% extended market index fund (the small and mid caps missing from the S&P500 index fund, which ...
by arcticpineapplecorp.
Sat May 12, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Index allocation help for a beginner
Replies: 14
Views: 1109

Re: Index allocation help for a beginner

Thanks for the advice. The global maker portfolio looks good, simple and nicely diversified (just has more bonds than I would like). I know Bogle stated don't try to add more risk to get "great" returns when you can get "good" returns. I am just worried that I won't be able to retire at a reasonabl...
by arcticpineapplecorp.
Sat May 12, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Why diversify 401k
Replies: 14
Views: 986

Re: Why diversify 401k

2nd what dbr said. But here it is in picture form. What if you looked at Total international stock index's performance vs. Total US stock index fund over a certain time period, like 10 years...say 1/1/1998-12/31/2007? Cherry picking of course, but you're looking at 10 year returns, so why can't I? W...
by arcticpineapplecorp.
Fri May 11, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3779

Re: "Patient paid amount" for month of death in nursing home?

I'm not sure if anybody will know the answer to this, but I figured I would give it a shot. Sadly, my grandmother passed away at the age of 102 in March. She had been living at a nursing home nearby. Each month her room and board were paid for out of her social security ("patient paid amount" or "P...
by arcticpineapplecorp.
Fri May 11, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Index allocation help for a beginner
Replies: 14
Views: 1109

Re: Index allocation help for a beginner

welcome to the group. The advice Taylor gave you is wonderful. I'd take it if I were you. There are a few problems with basing your investing on strategies from the past: 1. the past is not prologue 2. the great returns in the past may not be as great in the future 3. one of the reasons an asset cla...
by arcticpineapplecorp.
Fri May 11, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2316

Re: Water leaking from shared wall in condo - next steps?

my mom just had this issue recently (in the exact space you mentioned) actually a couple times (two different places). She got a plumber who was able to identify where the source of the leak was (upstairs) and the owner of the upstairs unit fortunately paid for the repair, new drywall/paint, etc. I ...
by arcticpineapplecorp.
Thu May 10, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance needed to begin investing
Replies: 10
Views: 890

Re: Guidance needed to begin investing

This book changed my life. Go to amazon through the affiliate link at the top of this website or download an older version (2007) from here: https://www.google.com/search?q=the+little+book+of+common+sense+investing+pdf&ie=utf-8&oe=utf-8&client=firefox-b-1-ab Personally I want to invest in the Index...
by arcticpineapplecorp.
Mon May 07, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Which brokerage has the lowest ER on SP500 index fund?
Replies: 29
Views: 1266

Re: Which brokerage has the lowest ER on SP500 index fund?

Once the expense ratio is in a sub-0.05% range, then other factors are more important, aren't they? Would you rather have a 0.03% e.r. and 9.97% average annual performance over the next 10 years or 0.05% e.r. and a 10.0% average annual performance over the next 10 years? I'm not sure I understand y...
by arcticpineapplecorp.
Mon May 07, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Which brokerage has the lowest ER on SP500 index fund?
Replies: 29
Views: 1266

Re: Which brokerage has the lowest ER on SP500 index fund?

Once the expense ratio is in a sub-0.05% range, then other factors are more important, aren't they? Would you rather have a 0.03% e.r. and 9.97% average annual performance over the next 10 years or 0.05% e.r. and a 10.0% average annual performance over the next 10 years? I'm not sure I understand y...
by arcticpineapplecorp.
Sun May 06, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4593

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Tell her to turn off the T.V. and read a good book instead. Can I suggest 1984? Just kidding. I know the handmaid's tale was based on a book. I read it. Frightening stuff indeed. There are two books I can recommend if you want to read more about fears of confiscation: Harry Brown: Fail Safe Investin...
by arcticpineapplecorp.
Sun May 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need encouragement with holding my bond fund assets
Replies: 27
Views: 2120

Re: Need encouragement with holding my bond fund assets

First - thanks to everyone for replying. I often feel like an idiot trying to understand what's going on with my bond funds. I bought them because "that's what you're supposed to do." I just want to know if everyone agrees that the loss I feel I'm experiencing is abnormal - that in the long run, bo...
by arcticpineapplecorp.
Sat May 05, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3592

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

Dollar cost averaging or lump sum whichever you like. If you plan to buy a house in 5 years, 100% stock is not the place to be. Use low cost target fund: 2018+(5+10)/2= Vanguard Target fund 2025 will do. I would guess it would be 30/70 Stock/Bond AA. That is a nice option. You mean the fund - Vangu...
by arcticpineapplecorp.
Sat May 05, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: The Boglehead Philosophy Tested in the Classroom
Replies: 8
Views: 1254

Re: The Boglehead Philosophy Tested in the Classroom

-- Our initial asset allocation was 50% Stock, 50% Bond, but we gradually shifted it to 30% Stock, 70% Bond, based on Vanguard's research: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations Thanks for sharing your results. A question: what do you mean exactly by ...
by arcticpineapplecorp.
Sat May 05, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4378

Re: AMC Movie Theaters -- typical OR not?

We have Regal where I am and your description matches exactly with their redesign which occurred just a couple years ago.