Search found 2273 matches

by arcticpineapplecorp.
Sat Nov 18, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 32
Views: 1561

Re: What we don't know

We know to save as much as possible, am i save too much and missing life today invest in low cost funds, But something like Bitcoin makes me think is stocks and bonds best pick an appropriate asset allocation, exactly what is best keep debt reasonable Ok I can go with that or use debt sparingly , a...
by arcticpineapplecorp.
Sat Nov 18, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: As we gear up for the predictions season, a look back on how they fared for 2017 so far
Replies: 19
Views: 2043

Re: As we gear up for the predictions season, a look back on how they fared for 2017 so far

wouldn't it be lovely if one year when asked what the market will do they would say: "It will fluctuate" — Bank of America Merrill Lynch "It will fluctuate" — Credit Suisse "It will fluctuate" — UBS "It will fluctuate" — Goldman "It will fluctuate" — Citi "It will fluctuate" — Jeffires "It will flu...
by arcticpineapplecorp.
Sat Nov 18, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: As we gear up for the predictions season, a look back on how they fared for 2017 so far
Replies: 19
Views: 2043

Re: As we gear up for the predictions season, a look back on how they fared for 2017 so far

wouldn't it be lovely if one year when asked what the market will do they would say: "It will fluctuate" — Bank of America Merrill Lynch "It will fluctuate" — Credit Suisse "It will fluctuate" — UBS "It will fluctuate" — Goldman "It will fluctuate" — Citi "It will fluctuate" — Jeffires "It will fluc...
by arcticpineapplecorp.
Sat Nov 18, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 74
Views: 4333

Re: Is holding bonds now dangerous?

"Dangerous" to me means permanent loss of capital over the long term. Most of us can ignore a market blip of a month, a year, or even a few years. Most of us don't care if the neighbor earns 8% CAGR while we earn 5% CAGR. And depending on your financial station, you might even be able to lose money...
by arcticpineapplecorp.
Sat Nov 18, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Anti-Index Fund Arguments - Help staying the course.
Replies: 19
Views: 2293

Re: Anti-Index Fund Arguments - Help staying the course.

I guess what the active investment proponents are saying is that they are not the average active investor. They are the above average investor who will outperform even in bear markets. I don’t believe it but this is just what I think they are trying to say Thanks everyone! This has really helped me...
by arcticpineapplecorp.
Sat Nov 18, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 85
Views: 3097

Re: Where did you first learn about investing?

Articpineapplecorp: I agree that luck plays a large part in investing, at least initially, when naïve. That is definitely the case with our portfolio as originally posted in this thread. However, I believe it is equally accurate to say that though luck plays a huge role in large gains (or losses), ...
by arcticpineapplecorp.
Sat Nov 18, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 85
Views: 3097

Re: Where did you first learn about investing?

It was from my mother, she forced me to save and invest starting at the age of 12. I grew up poor, but my mother grew up poorer. She swore she would never again have to stretch the life of a pair of shoes by putting cardboard inside to cover up the holes in the soles and she would be damned if her ...
by arcticpineapplecorp.
Sat Nov 18, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 85
Views: 3097

Re: Where did you first learn about investing?

Age 19. My friend's dad told me about Vanguard. Then I read Vanguard's "Facts on Funds" and Bogle's "Little Book of Common Sense Investing". I opened a T-IRA that same year. I now have the privilege to teach a Teen Finance and Stock Market Game elective to my 7th grade students. Some important conc...
by arcticpineapplecorp.
Sat Nov 18, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 10288

Re: Bitcoin

birdog wrote:
Sat Nov 18, 2017 5:38 am
Got it. So no dividends doesn't actually equal gambling as your previously asserted.
yes. and thank you valuethinker for saying what i tried to say in a much more succinct way.
by arcticpineapplecorp.
Fri Nov 17, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic partnership benefits for health insurance
Replies: 3
Views: 345

Re: Domestic partnership benefits for health insurance

Be careful. I believe it's not what she's paying, but what the employer pays for you to be on her insurance that would be taxable (counted as income): “Since health insurance benefits are typically a pretax benefit, the employee will have to pay income taxes on the portion of the domestic partner’s ...
by arcticpineapplecorp.
Fri Nov 17, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 10288

Re: Bitcoin

When you own companies that are profitable, those businesses grow in size. You receive dividends which when reinvested buy you more shares. If you buy 1 bitcoin, in 100 years you'll still just have 1 bitcoin. The value of that bitcoin may be more than you paid for it. But that's still gambling, not...
by arcticpineapplecorp.
Fri Nov 17, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Marijuana stocks
Replies: 11
Views: 1111

Re: Marijuana stocks

maybe do some more homework: https://www.google.com/search?sitesearch=bogleheads.org&q=marijuana+stock https://www.bogleheads.org/forum/viewtopic.php?f=10&t=105505&p=1531697&hilit=Marijuana#p1531697 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=127700&p=1875297&hilit=Marijuana#p1875297 https...
by arcticpineapplecorp.
Fri Nov 17, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 85
Views: 3097

Re: Where did you first learn about investing?

I opened my first stock account in 1969, and bought a few shares of IBM because it was the safest stock I could think of. I needed the money less than a year later, and had to sell at a loss. That soured me on "investing" until I learned more about what to do and what to avoid. Two years later, I r...
by arcticpineapplecorp.
Fri Nov 17, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 9
Views: 1113

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

welcome to the forum. The 3 or 4 fund portfolio returns really depends on your asset allocation, i.e., your mix of assets in stocks and bonds, U.S. and international, etc. For instance two investors might have a three fund portfolio but one might have: 20% total U.S. bond 16% total international sto...
by arcticpineapplecorp.
Thu Nov 16, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 85
Views: 3097

Re: Where did you first learn about investing?

Motley Fools. Learned about indexing, foolish 4 and valuing stocks (didn't really learn how to value stocks). Never bought stocks. So didn't do their foolish 4 (which later the Fools abandoned because the returns weren't outperforming as they had in the past). Did buy the S&P500 as my first investme...
by arcticpineapplecorp.
Thu Nov 16, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 24
Views: 2248

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

I live in the state (actually the "Commonwealth") of Virginia. We use the 2 year option and consequently only need to go through the vehicle emissions test every two years instead of annually. That alone makes it worthwhile. This does not apply in PA to my knowledge. The inspection sticker is separ...
by arcticpineapplecorp.
Thu Nov 16, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Anti-Index Fund Arguments - Help staying the course.
Replies: 19
Views: 2293

Re: Anti-Index Fund Arguments - Help staying the course.

if your anti-index fund proponents aren't trying to sell you alternative investments then that motive (profit off you) is off the table. So if others are making this claim, isn't the burden of proof on them to prove they beat the market and will continue to do so into perpetuity? You could prove the...
by arcticpineapplecorp.
Thu Nov 16, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing while on disability
Replies: 5
Views: 327

Re: Investing while on disability

not to sound morbid, but has she prepaid for her funeral expenses? A prepaid burial that is in an irrevocable burial reserve or trust should not be countable for the purposes of eligibility for medicaid or SSI. It's an inevitable expense unless she's planning on donating her body (even then there ar...
by arcticpineapplecorp.
Wed Nov 15, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 91
Views: 14545

Re: Where to buy a Vanguard hat? An Update and bad news

Do you find the Champion cap to be more comfortable to wear? It's funny you should ask that. My girlfriend did think there was less bulk to the Champion hat (less roominess or more snug is probably the better way of putting it). I didn't notice much difference in feel, but maybe there's a slight di...
by arcticpineapplecorp.
Wed Nov 15, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help family of four....Do nothing?
Replies: 22
Views: 1820

Re: Investing help family of four....Do nothing?

welcome to the forum. if you want to see a fee only financial planner contact either www.garrettplanningnetwork.com or www.napfa.org. They shouldn't charge you thousands but could charge a few hundred dollars an hour. Ask how many hours they will need to set up a plan and review it with you. by real...
by arcticpineapplecorp.
Tue Nov 14, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Shiller's Concern on Passive Investing
Replies: 10
Views: 1380

Re: Shiller's Concern on Passive Investing

Are we in a bizarro universe? Where day is night and night is day? Almost everything he said, you can turn it around: All this talk of indexes, it's a little bit diluting of our intellect. It becomes more of a game As opposed to the game of trying to pick stocks, outsmart your neighbor, co-worker, f...
by arcticpineapplecorp.
Tue Nov 14, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 2401

Re: Is it worth starting investing if 7-8 years from retirement?

maybe the tax bracket was the issue, but couldn't they also put money in Roths for the next 7-8 years (or backdoor Roths if not eligible for regular) and since they don't "need" the money since SS will cover them, the money could grow and could be passed to heirs tax free. They wouldn't have any RMD...
by arcticpineapplecorp.
Tue Nov 14, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7143

Re: GE and the myth of "safe blue-chip stocks"

So the price of GE is the lowest since the depths of the financial crisis of 2009? Not so. GE dipped to $6.66 in March 2009 during the depths of the financial crisis. It closed today at $17.90. This is the lowest it's been since the end of 2011. right, but it's valuation that matters. The stock is ...
by arcticpineapplecorp.
Tue Nov 14, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2263

Re: Opinion of Total Stock Market Index

1. Since this is in a taxable account, didn't you trigger capital gains by selling a fund (Target Date) to buy a different fund (VTSAX)? 2. Since this is a taxable account wouldn't you want to have international stocks (at least the same proportion as you did with Target Date) as a fund because the ...
by arcticpineapplecorp.
Tue Nov 14, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7143

Re: GE and the myth of "safe blue-chip stocks"

Time for a contrarian view. Consider the quote below. We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful. Yesterday, my wife took a long-term shot with some play money. Not a lot, mind you, but enough (for us). The price of GE is the lowest since th...
by arcticpineapplecorp.
Mon Nov 13, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Do DFA advisors get kickbacks?
Replies: 11
Views: 1592

Re: Do DFA advisors get kickbacks?

what do you mean as a kickback? You pay a fee to an advisor who is authorized to use DFA funds. The advisor gets the fee you pay (usually up to 1% of AUM but this may vary) and DFA charges an expense ratio based on the funds you invest in just as Vanguard does.
by arcticpineapplecorp.
Mon Nov 13, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 91
Views: 14545

Re: Where to buy a Vanguard hat? An Update and bad news

so, i just purchased the other hat they're selling. The red hat was cheaper as previously mentioned. This one was $14.84, because it is manufactured by Champion and the red one was by Quake City Caps. Anyway, these are the two styles and prices (red or beige. don't mean to say those two images below...
by arcticpineapplecorp.
Mon Nov 13, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 28
Views: 4264

Re: BOGLEHEADS 2017 VIDEOS

thanks.
by arcticpineapplecorp.
Mon Nov 13, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: What is all the recent talk about a bond bubble?
Replies: 22
Views: 2274

Re: What is all the recent talk about a bond bubble?

did a search on google under the search bar for "bond bubble" and here's what I came up with: https://www.google.com/search?sitesearch=bogleheads.org&q=bond+bubble looks like the oldest one that came up on the first page questioning a "bond bubble" goes back to March 22, 2009. source: https://www.bo...
by arcticpineapplecorp.
Mon Nov 13, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5573

Re: Losing all of your savings.

So is the OP a pro poker player? I'm confused. old post seems to indicate that: volimsmes wrote: I play poker for a living and have 6 figures on my bank account without any interests. I want to invest it the problem is I don't know how sooo I might need some percent of that money in months or might...
by arcticpineapplecorp.
Mon Nov 13, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7143

Re: GE and the myth of "safe blue-chip stocks"

Nisi, it's worse than you thought: GE shares plunge 8% for biggest decline since housing recession after turnaround plan unveiled General Electric announces it will cut its dividend in half as part of a broader corporate restructuring. It plans a renewed focus on health care, aviation and energy. CE...
by arcticpineapplecorp.
Mon Nov 13, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5573

Re: Losing all of your savings.

why did you edit/delete all your old posts? The only thing listed under all your old posts is "lasdasd". https://s17.postimg.org/mlfkwxiof/Capture.jpg before you have a chance to delete this post and no one can read it again, here's what the OP's original question was: i've lost all of my savings be...
by arcticpineapplecorp.
Mon Nov 13, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: Dan Solin Article "Investor Insanity"
Replies: 5
Views: 825

Re: Dan Solin Article "Investor Insanity"

Shame he didn’t point readers toward this forum “for further enlightenment.” Probably against HuffPo editorial policy to link out to competing forums/sources of ad revenue :-) But good none-the-less. But bogleheads.org doesn't generate any ad revenue. So how is bogleheads competing with huffpo? Cli...
by arcticpineapplecorp.
Mon Nov 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5573

Re: Losing all of your savings.

read this small book:

https://www.etf.com/docs/IfYouCan.pdf

keep asking questions here.

start here:

https://www.bogleheads.org/wiki/Main_Page
by arcticpineapplecorp.
Mon Nov 13, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Rollover to IRA Question
Replies: 3
Views: 259

Re: 401K Rollover to IRA Question

this has been asked many times before: https://www.bogleheads.org/wiki/Vanguard_safety https://www.google.com/search?sitesearch=bogleheads.org&q=risk+of+all+money+with+vanguard There should be no reason for concern. However, be aware 401k plans in some states offer greater protection from bankruptcy...
by arcticpineapplecorp.
Mon Nov 13, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Dan Solin Article "Investor Insanity"
Replies: 5
Views: 825

Re: Dan Solin Article "Investor Insanity"

Shame he didn’t point readers toward this forum “for further enlightenment.” Probably against HuffPo editorial policy to link out to competing forums/sources of ad revenue :-) But good none-the-less. But bogleheads.org doesn't generate any ad revenue. So how is bogleheads competing with huffpo?
by arcticpineapplecorp.
Mon Nov 13, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: What might you ask In-laws' FA?
Replies: 37
Views: 2603

Re: What might you ask In-laws' FA?

You didn't mention their asset allocation, so that's an area of concern. Are they taking too much risk, too little? Who knows? Do your in laws? They should. The other thing that struck me (as it seems it did for you) was your mother in law saying the FA takes 1% out of what she withdraws from the IR...
by arcticpineapplecorp.
Mon Nov 13, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1538

Re: Anyone Tried Soylent?

here's a podcast that talks about it fairly well:

https://www.stuffyoushouldknow.com/podcasts/soylent.htm
by arcticpineapplecorp.
Sun Nov 12, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best app to use for trading stocks?
Replies: 7
Views: 596

Re: What is the best app to use for trading stocks?

Some thoughts to consider. I'd love to hear what you think to these questions: 1. Why Amazon and Google (as opposed to other stocks)? 2. Do you think you know something about these stocks that nobody else doesn't know? 3. Don't you think what everybody already knows about these companies is already ...
by arcticpineapplecorp.
Sun Nov 12, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 15
Views: 847

Re: Where to start investing?

welcome to the group. Why does the number of shares matter? This comes up from time to time. For some reason people think more shares is better. Well more shares of one fund is better than fewer shares of the same fund, but if you're comparing an ETF vs. a mutual fund in the same investment (say an ...
by arcticpineapplecorp.
Sun Nov 12, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4667

Re: Asset allocation for 5% return

and this: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=231441&p=3603300#p3602809 by Jimsad » Fri Nov 03, 2017 9:56 pm Thanks for your reply. Since this is a type of company retirement plan, I will have to contribute to employees too. For my company , if I Want to contribute for myself - 53k ...
by arcticpineapplecorp.
Sun Nov 12, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4667

Re: Asset allocation for 5% return

those of you who have answerd, might want to reference this earlier post of the OP. Here talks about whether or not to set up a cash balance plan in this post: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=231441&p=3603300#p3603300 by Jimsad » Fri Nov 03, 2017 6:52 pm Hi Bogleheads , I would ...
by arcticpineapplecorp.
Sun Nov 12, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3308

Re: Do telecom stocks have a future?

since you own the stocks in a tax deferred account and there are no tax implications, the only question to ask yourself is: If you didn't own the stocks you now have, would you go out and buy the same stocks for the same amount of money they're currently worth? If the answer is no, then you should s...
by arcticpineapplecorp.
Sat Nov 11, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6064

Re: Should you own only non-U.S. stocks?

funny how things change. Just a few years ago people were asking "Should you own any international stocks?"
by arcticpineapplecorp.
Sat Nov 11, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1867

Re: Unnecessary Corporate Meetings

maybe your company leaders never heard of Jeff Bezos' two pizza rule: The more people there are, the less productive most meetings will be. The idea is that most attendees will end up agreeing with each other instead of voicing their own opinions and ideas. Amazon's Jeff Bezos has a solution for thi...
by arcticpineapplecorp.
Sat Nov 11, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4232

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I thought I would play around with Marijuana stocks. :oops: INAR INTERNETARRAY INC 250,000 $0.00017 N/A $25.00 7 N/A $158.95 -$133.95 -84.27% Schwab Equity Rating NC Only $150 bucks worth but a good reminder. sometimes stocks can go up in smoke. you gotta look beyond the weeds to find a good stock
by arcticpineapplecorp.
Sat Nov 11, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: A penny saved is NOT a penny earned ..
Replies: 16
Views: 2229

Re: A penny saved is NOT a penny earned ..

-- Money not spent is money that is in one's pocket.
-- It is as useful to save money that you already have as it is to earn more.
by arcticpineapplecorp.
Fri Nov 10, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: The Next Bear Market, Ben Carlson
Replies: 13
Views: 2065

Re: The Next Bear Market, Ben Carlson

Excellent article. So important to do the severe extended bear market mind experiment in one’s head before experiencing it, unprepared, for real. Rick Ferri wrote an article where he described walking clients through a potential 1971-1972 bear market scenario. Best to do that experiment now, when p...
by arcticpineapplecorp.
Fri Nov 10, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6188

Re: Isn't it safer to not sign Credit card?

If you don't sign it, and someone steals your card they can sign it as they see fit and you know what? Then THEIR signature on the receipt will match THEIR signature on the back of YOUR card. That's why you never want to leave it blank. Why let someone else decide what YOUR signature should look like?