Search found 2115 matches

by arcticpineapplecorp.
Sun Sep 24, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 68
Views: 5039

Re: Help?! My 70 year old father is 100% invested in equities

I think your Dad is 100% correct. I especially agree with his conclusions about bonds. I am 70 and in a similar situation as he is. I can't tolerate risk the way he can but I wish I could. If he can sleep at night, and obviously he can, then 100% equities is the wisest allocation for him. but he ca...
by arcticpineapplecorp.
Sun Sep 24, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 68
Views: 5039

Re: Help?! My 70 year old father is 100% invested in equities

Well, I'm glad my question has triggered such a wide-ranging conversation! Two thoughts I'll flag: (1) After so many comments about whether my dad would have the fortitude to stick with with his 100% AA in bad times, it occurred to me that I think I recall him saying a few years back that during th...
by arcticpineapplecorp.
Sun Sep 24, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 65
Views: 2727

Re: Spouse Money Management

She believes that after you spend "what you need to" on necessities and spend "a little" on discretionary, you should save the rest. Good responses everyone. Difficult situation with no easy answers, like many situations in life. If your quote above is truly what she believes, then I ask you to hav...
by arcticpineapplecorp.
Sun Sep 24, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 68
Views: 5039

Re: Help?! My 70 year old father is 100% invested in equities

he may not change, but does he understand the impact of a 1% fee for the next 30 years of his life (may he live to be that long if not longer)? Until one has all available information, one is making a choice, but not an informed choice. So I hope you will share the following link with him if he is n...
by arcticpineapplecorp.
Sat Sep 23, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1060

Re: a really beginner question [Why are the fund prices different?]

I just started a Vanguard account. Today I looked at one ETF VXUS and one mutual fund VGTSX. Essentially they are the same fund but different share class. But one thing confused me. On the Vanguard information page, the price of VGTSX is listed $17.60 while the price of VXUS is listed $54.84. If th...
by arcticpineapplecorp.
Sat Sep 23, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401(k) to IRA after retirement?
Replies: 15
Views: 1013

Re: Move 401(k) to IRA after retirement?

I have been retired a couple years, and have kept my 401(k) at Fidelity. I am invested pretty aggressive (92/8) and know I need to change my target mix, albeit has been fun getting the current high returns. Right now I am guessing that I am just paying for expense ratios that I am invested in; of c...
by arcticpineapplecorp.
Sat Sep 23, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 4474

Re: Vanguard: Please Offer a Gold ETF

OP have you read this: http://awealthofcommonsense.com/2015/07/a-history-of-gold-returns/ If not, what do you think about Gold, now? There's nothing new to me in that article. I expect a real return of close to zero over time, I expect it to be a bit more volatile than stocks, and I expect it to ha...
by arcticpineapplecorp.
Fri Sep 22, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3369

Re: VG wants everyone to transfer to a brokerage account?

They actually called me at home a couple of months ago to invite me to convert to brokerage. I kindly declined their offer and told them to have their people go read about some of their customers experiences over at...you guessed it, bogleheads.org. :happy Hopefully, they are looking here to learn w...
by arcticpineapplecorp.
Fri Sep 22, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: anyone use debitize.com?
Replies: 2
Views: 324

anyone use debitize.com?

Just heard this on Clark Howard's podcast recently. It's called debitize at www.debitize.com. I'm not interested in it myself, but was wondering if anyone else uses it and/or what you think about it. Sounds like it's a way to use a credit card instead of a debit card (for liability purposes) yet hav...
by arcticpineapplecorp.
Fri Sep 22, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 4474

Re: Vanguard: Please Offer a Gold ETF

OP have you read this:

http://awealthofcommonsense.com/2015/07 ... d-returns/

If not, what do you think about Gold, now?
by arcticpineapplecorp.
Fri Sep 22, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

oh. yes you're right " she is being sued in civil court". Ok, well then I suppose when the judgement against her goes unpaid it will go to collections. can't get blood from a stone. Don't you cease to be a legal entity upon death? So technically YOU yourself cannot be sued after death. Your estate ...
by arcticpineapplecorp.
Thu Sep 21, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

if her ira had money in it at the time she was in skilled care, then it was accessible to her and as such her bills would have been paid out of it until depleting down to the medicaid limit. instead it sounds like the poa just chose not to pay the bill even though funds existed to do so. then when ...
by arcticpineapplecorp.
Thu Sep 21, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 4474

Re: Vanguard: Please Offer a Gold ETF

sure, right after Vanguard launches its bitcoin etf. :oops: Why? Because a several billion year old metal that's been used as a store of value for thousands of years has the same legitimacy as a highly volatile and speculative digital currency invented less than a decade ago? I guess that's why the...
by arcticpineapplecorp.
Thu Sep 21, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

if her ira had money in it at the time she was in skilled care, then it was accessible to her and as such her bills would have been paid out of it until depleting down to the medicaid limit. instead it sounds like the poa just chose not to pay the bill even though funds existed to do so. then when ...
by arcticpineapplecorp.
Thu Sep 21, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

She wasn't on Medicaid because she still had assets in her IRA. But since her IRA listed beneficiaries, and has already passed to those beneficiaries, there was nothing to go through probate and nothing for the nursing home to discover and go after. Whether they try to collect from the beneficiarie...
by arcticpineapplecorp.
Thu Sep 21, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 4474

Re: Vanguard: Please Offer a Gold ETF

sure, right after Vanguard launches its bitcoin etf. :oops:
by arcticpineapplecorp.
Thu Sep 21, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

I'm confused (and don't see anything about this in your other post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=222145&p=3465949#p3426069 ) I think we may be missing some details because I can't reconcile the following: 1. if there's no estate (as in she had nothing to pass on) then why wa...
by arcticpineapplecorp.
Wed Sep 20, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5132

Re: Deceased Mother medical bill

I'm confused (and don't see anything about this in your other post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=222145&p=3465949#p3426069 ) I think we may be missing some details because I can't reconcile the following: 1. if there's no estate (as in she had nothing to pass on) then why was...
by arcticpineapplecorp.
Wed Sep 20, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Congrats to Mr. Warren Buffett, we knew you would win...:)
Replies: 5
Views: 1360

Re: Congrats to Mr. Warren Buffett, we knew you would win...:)

yes, this is the part you DIDN'T quote:' In an emailed statement to CNBC Make It, Buffett's secretary, Debbie Bosanek, confirmed the news of his win. "I checked with Mr. Buffett and he told me that it's absolutely certain that he will win the bet, although it won't be official until January," she wr...
by arcticpineapplecorp.
Mon Sep 18, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help in understanding annuity benefit base, free amount, etc.
Replies: 8
Views: 719

Re: Help in understanding annuity benefit base, free amount, etc.

This isn't annuityheads.org. Ask Stan the Annuity Man: https://www.google.com/search?q=stan+the+annuity+man&ie=utf-8&oe=utf-8 That being said there are some knowledgeable people here who can probably answer your questions but you probably will need to provide more information. In the meantime, have ...
by arcticpineapplecorp.
Mon Sep 18, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Hello and a Question ["The Little Book That (Still) Beats the Market"]
Replies: 11
Views: 1420

Re: Hello and a Question ["The Little Book That (Still) Beats the Market"]

welcome to the forum. This question was asked recently in a thread called "The Magic Formula". You can read more here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=225850#p3497168 Here are some questions to ponder: 1. Why do you want to beat the market? In other words, what's wrong with gett...
by arcticpineapplecorp.
Sun Sep 17, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: The Difference Between Risk and Uncertainty
Replies: 41
Views: 2681

Re: The Difference Between Risk and Uncertainty

was this the podcast you heard it? Freakonomics "“How Much Brain Damage Do I Have?” I think it was pretty well explained in the podcast actually (and the transcript at the website below). http://freakonomics.com/podcast/brain-damage/ The "Lo" below is Andrew Lo of M.I.T. Now, we all know the convent...
by arcticpineapplecorp.
Sun Sep 17, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 3884

Re: The myth about long-run stock returns

Hey wait a second...those aren't stock returns...they're stock AND bond returns: The asset allocation equals 75 percent stocks and 25 percent bonds. So not 100% stocks but rather a more typical stocks and bonds blend. The scenarios I modeled say some investor saves $10,000 annually for a given numbe...
by arcticpineapplecorp.
Sun Sep 17, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3910

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Stormbringer wrote:
Sun Sep 17, 2017 9:39 am
I dunno. I invest like Bogle but I still fly first class. I'm more interested in maximizing my quality of life than I am in being the richest guy in the cemetery.
Thank you for subsidizing my cheaper economy seats.
by arcticpineapplecorp.
Sat Sep 16, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1606

Re: Bipolar Investor Wants to Roll The Dice

…. Within limits. (Vanguard investment limits that is) I would like to invest in a Vanguard mutual/index fund with my last (2017) Roth purchase ($6500). Status: Retired as of June, 2017 Total Vanguard investments are presently 20% of my total holdings This Roth venture represent less than 1% of my ...
by arcticpineapplecorp.
Sat Sep 16, 2017 10:48 pm
Forum: Investing - Theory, News & General
Topic: Are long-term market returns reliable?
Replies: 38
Views: 3884

Re: The myth about long-run stock returns

First off, the median looks ok to me (what does that show 7% or 8% per year compounding. That'll get the job done). That being said, I believe the point is not to focus on the blue or orange line, but rather the dreaded grey line. So... What about those who invest for MORE than 30 years? You know, t...
by arcticpineapplecorp.
Sat Sep 16, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 6856

Re: Physiological effects of Early Retirement in peak earning years.

Congratulations on having so much in savings relative to expenses. You should be good. Thing is, I've heard you've got to retire TO something, rather than just FROM something. So before pulling the trigger, make sure you've got lots of interests/hobbies/volunteer opportunities out there or retiremen...
by arcticpineapplecorp.
Sat Sep 16, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2728

Re: S & P broke major technical/psychological number

These two statements are in opposition. If you believe the S&P500 will rise then why would you be still sitting on the sidelines? Isn't it better to invest at S&P500 at 2500 than 3000 Because at any time, we only invest a fixed percentage in the stock market. this will let us sleep well at night. B...
by arcticpineapplecorp.
Sat Sep 16, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Shiller PE over 30
Replies: 17
Views: 1385

Re: Shiller PE over 30

Xanadu wrote:
Sat Sep 16, 2017 11:04 am
Shiller PE is over 30 now. Does it even matter? If so, what action should be taken if any? Or just sit back, watch, and stay the course?
Already been discussed before. Read this:

http://www.etf.com/sections/index-inves ... nopaging=1
by arcticpineapplecorp.
Sat Sep 16, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2728

Re: S & P broke major technical/psychological number

S & P broke and also closed above the key psychological number 2500. Pretty happy as this is very bullish and we may see 3000 in a year or so :D . Only regret is we still have 30k sitting in the sidelines waiting for a correction :( . This technical development may convert more bears into the bulls...
by arcticpineapplecorp.
Sat Sep 16, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5247

Re: Lawyer overbilling for prenup review

One other thing. I wouldn't have said "An hour or so ." You know you're dealing with a lawyer, right? What's the legal definition of "or so"? In your mind it was 2 hours. In his mind it was several hours. If you didn't want to pay more than 2 hours you should have specified you were only going to pa...
by arcticpineapplecorp.
Sat Sep 16, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5247

Re: Lawyer overbilling for prenup review

He must be a very slow reader. I would suggest he take an Evelyn Wood course. :happy Sorry, no other advice beyond what's been mentioned. Good luck fighting this and let us know how it goes.
by arcticpineapplecorp.
Wed Sep 13, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2291

Re: Credit Freeze affects SSA online account

investor4life wrote:
Tue Sep 12, 2017 10:25 pm
Straight from the horse's mouth: https://faq.ssa.gov/ics/support/kbanswe ... ionID=3871
thanks. that was what I was looking for. I stand erected.
by arcticpineapplecorp.
Tue Sep 12, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 94
Views: 11774

Re: "Warren Buffett wins $1M bet made with hedgie a decade ago"

As to your other point, hedge funds do charge too much money. Far too much. As Swedroe pointed out in Unconventional Success , hedge funds do provide some pretty nice returns for the risk before fees (enough that you would consider them over bonds), but break even or do worse (both in return and vo...
by arcticpineapplecorp.
Tue Sep 12, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4205

Re: Patience is very important to profit from the stock market

Yes, tracking error is a big deal. Many people don't know what it is. Nor do they know what the return of their portfolio is. So it simply does not bother them. For instance, let's look at Wellington so far in 2017. It is trailing a similar allocation to index funds (VSMGX) by about 2.25% so far in...
by arcticpineapplecorp.
Tue Sep 12, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2291

Re: Credit Freeze affects SSA online account

I don't believe what you've written is completely correct. Let me offer up why I think that's the case and perhaps what might be going on. I froze my credit with all three agencies a couple of years ago. Since then I've gotten my annual notice to check my SSA account and I've had no problems being ...
by arcticpineapplecorp.
Tue Sep 12, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 94
Views: 11774

Re: "Warren Buffett wins $1M bet made with hedgie a decade ago"

The problem for Seides is his five funds through the middle of this year have been only able to gain 2.2 percent a year since 2008, compared with more than 7 percent a year for the S&P 500 — a huge difference. That means Seides’ $1 million hedge fund investments have only earned $220,000 in the sam...
by arcticpineapplecorp.
Tue Sep 12, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16575

Re: Iphone X is $1000

From William Bernstein's "If You Can. How Millenials Get Rich Slowly":
Image
source: https://www.etf.com/docs/IfYouCan.pdf
by arcticpineapplecorp.
Tue Sep 12, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2291

Re: Credit Freeze affects SSA online account

I don't believe what you've written is completely correct. Let me offer up why I think that's the case and perhaps what might be going on. I froze my credit with all three agencies a couple of years ago. Since then I've gotten my annual notice to check my SSA account and I've had no problems being a...
by arcticpineapplecorp.
Wed Sep 06, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3730

Re: Did Charmin UltraSoft TP become "UltraThin"?

book lover wrote:
Wed Sep 06, 2017 8:24 am
Where's Mr Whipple when we really need him?
He died 11/19/07.

RIP Mr. Whipple.

https://www.google.com/search?q=mr+whip ... 8&oe=utf-8
by arcticpineapplecorp.
Wed Sep 06, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3136

Re: Dividends and Withdrawal Rate

If you mean why am I asking? , the answer is that I want to track our withdrawal rate. [/color] What's the purpose of tracking your withdrawal rate? The only reason is because you're withdrawing MORE than just the dividends, right? But if you're just withdrawing (yes I called it that) the dividends...
by arcticpineapplecorp.
Tue Sep 05, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is it safe
Replies: 4
Views: 1133

Re: Is it safe

https://www.bogleheads.org/wiki/Vanguard_safety https://www.bogleheads.org/forum/viewtopic.php?f=10&t=224236 can't help you regarding the individual stocks. I don't own any. You don't get the original stock certificates anymore, but I'd assume you have some record of ownership/brokerage account show...
by arcticpineapplecorp.
Tue Sep 05, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3730

Re: Did Charmin UltraSoft TP become "UltraThin"?

Be nice. Use it or go to another brand. Our Bidets are warranted for 1 year. Your TP is good for 1 use, and in your case, not even 1 use. Most of the usable area is wasted and performs no real function. Every washlet bidet utilize 100% of the stream flow to do its design function. Plus, in the PNW,...
by arcticpineapplecorp.
Tue Sep 05, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3730

Re: Did Charmin UltraSoft TP become "UltraThin"?

Thought you should know: Because Americans identify toilet paper as a necessity, it's a big business there. In the United States alone, people spend about $6 billion per year on this simple rolled paper [source: Harwell]. By some estimates, North Americans consume about 50 pounds (23 kilograms) of t...
by arcticpineapplecorp.
Tue Sep 05, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3730

Re: Did Charmin UltraSoft TP become "UltraThin"?

It's called "Shrinkflation".
In economics, shrinkflation is the process of items shrinking in size or quantity while their prices remain the same or increase.
Ain't economics grand?

https://www.google.com/search?q=shrinkf ... 8&oe=utf-8
by arcticpineapplecorp.
Mon Sep 04, 2017 7:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16207

Re: [Are the Bogleheads] getting less interesting?

Whenever I read one of those posts from someone from California saying "I'm 35 years old, earn $400k/yr and am worth $5 million, am I doing OK?" I get turned off and avoid the forum for awhile. It seems like there have been more of those recently. I tend to agree with you but then I'm reminded of J...
by arcticpineapplecorp.
Mon Sep 04, 2017 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16207

Re: [Are the Bogleheads] getting less interesting?

I'm amazed this thread has gone on for 5 pages. I would have never expected that in a million years. Nor that the thread wouldn't be locked before 5 pages. Is this thread even actionable? Goes to show how poor we can be at making predictions. Can anyone think of some reasons why this thread might be...
by arcticpineapplecorp.
Mon Sep 04, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 20% international question
Replies: 22
Views: 1935

Re: 20% international question

Follow up question: I did some backtesting to 1987. I know backtesting no guarantee of future and found that you would be better with the 2 fund all 50/50 AA 2 fund CAGR 8.5% 3 fund CAGR 8.10% (20% international) 3 fund CAGR 7.73 (40% international) So, the 2 fund would be better off. This is what ...
by arcticpineapplecorp.
Mon Sep 04, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 34
Views: 4739

Re: Holding onto bonds. You agree?

Yes, HomerJ nailed it and it was what I was going to say because when you strip out most of the OP, the main points are: And as a retiree I have religiously collected the monthly dividends for the past 10 years, which along with SS and my pension give me a very nice income...But what is a retiree su...
by arcticpineapplecorp.
Mon Sep 04, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3219

Re: Why can't the future of stocks be predicted

Is this a Far Side cartoon? Yes. In the comic the Wicked Witch of the West was just melted (as you remember, it was very dramatic) but what was never explained was what happened to her crystal ball. (Wait a minute, if her crystal ball worked so well why didn't she avoid getting melted in the first ...