Search found 4390 matches

by arcticpineapplecorp.
Tue Nov 12, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 18
Views: 2191

Re: Ally savings rate changing

I have my EF at Comenity Bank (FDIC), its getting 2.13%. It started at 2.49% and has gone down-- of course, but still way ahead of all the common ones mentioned, especially Ally. I have been researching non-CDs lately. If mine goes <2%, I will do something else. Recently moved over $10k to Simple B...
by arcticpineapplecorp.
Tue Nov 12, 2019 9:04 pm
Forum: Personal Investments
Topic: Is this too simple
Replies: 6
Views: 939

Re: Is this too simple

if the 3.5% will be in CDs, how is the other 96.5% invested right now (what allocation of stocks to bonds)?

Is it in a balanced fund now (60/40)? If it's balanced now, why change to Wellington?

We know what you want to change it to, but not what from.
by arcticpineapplecorp.
Tue Nov 12, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: The End Is Near....Isn't It ?
Replies: 27
Views: 1872

Re: The End Is Near....Isn't It ?

In 1996 Robert Schiller wrote: "'Long-Run Investors Should Stay Out Of The Market For The Next Decade' source: https://seekingalpha.com/article/4172087-shiller-1996-long-run-investors-stay-market-next-decade If you'd have listened to him, you'd have missed out on 100% returns (doubling your money) b...
by arcticpineapplecorp.
Tue Nov 12, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3300

Re: Why is VBTLX dropping?

nav was $11.01 yesterday. Today it's $11.00 which means interest rates went up (yesterday the 10 year was 1.93% and today 1.94%). I'd say that was pretty much what you'd expect. Don't feel bad about the NAV dropping. Now you're getting .01% more in interest going foward (unless interest rates drop,...
by arcticpineapplecorp.
Tue Nov 12, 2019 5:26 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 148
Views: 10880

Re: Spend It All vs. Leave $$ for the Kids

"Billionaires Warren Buffett and Bill Gates have similar ideas about how much money you should leave your kids" As for how much to pass on to your kids, Buffett once offered a good rule of thumb: The perfect amount to leave to your kids, he told Fortune in 1986, is ″enough money so that they would ...
by arcticpineapplecorp.
Tue Nov 12, 2019 5:24 pm
Forum: Personal Investments
Topic: BRK.B
Replies: 14
Views: 1273

Re: BRK.B

the beauty of owning the market is that you will still own brk.b, but now in the proportion it makes up of the total market. So you can have your cake and eat it too (and take less risk).

tax loss harvest as getrichquick noted:
https://www.bogleheads.org/wiki/Tax_loss_harvesting
by arcticpineapplecorp.
Mon Nov 11, 2019 10:23 pm
Forum: Personal Investments
Topic: Advice on Nest Egg draw down
Replies: 9
Views: 1289

Re: Advice on Nest Egg draw down

did you get a $5 million settlement? do you have significant ongoing medical expenses related to your disability incident that this money is supposed to cover for the rest of your life? is any of your settlement taxable? have you paid legal fees from this? have you actually received the money or is ...
by arcticpineapplecorp.
Mon Nov 11, 2019 5:39 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 148
Views: 10880

Re: Spend It All vs. Leave $$ for the Kids

"Billionaires Warren Buffett and Bill Gates have similar ideas about how much money you should leave your kids" As for how much to pass on to your kids, Buffett once offered a good rule of thumb: The perfect amount to leave to your kids, he told Fortune in 1986, is ″enough money so that they would f...
by arcticpineapplecorp.
Mon Nov 11, 2019 5:28 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 114
Views: 6038

Re: Investing $140k in cash at 1k per week

The reason I am choosing this low buy rate of $1000/week is because if the market crashes within the next 2.5 years I could buy low with most of the remaining cash. What do you think about this strategy? welcome to the group. Some things to think about: I'm not sure your "strategy" is fully fleshed...
by arcticpineapplecorp.
Sun Nov 10, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2262

Re: WSJ: Underwater Car Loans

The second example in the article is telling: Nicole-Malia Tennent and Shyanne Fernandez, both in their early 20s, wanted to trade in the car they shared for something less expensive last year. The friends, who live in Hawaii, ended up splurging on a new vehicle and moving the unpaid loan balance of...
by arcticpineapplecorp.
Sun Nov 10, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Who can claim as dependent?
Replies: 5
Views: 330

Re: Who can claim as dependent?

My son’s child is 18 and in college full time. He has lived with his mother and she has always claimed him as a dependent, although my son always paid child support. My grandson is going to be living at college in January and his father pays for his expensive health insurance and car insurance, as ...
by arcticpineapplecorp.
Sat Nov 09, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: Shiller PE10 data not being updated?
Replies: 13
Views: 1186

Re: Shiller PE10 data not being updated?

did you try here: https://www.multpl.com/shiller-pe last updated 4:00 PM EST, Fri Nov 8 though don't know how correct the data might be: Are you Robert Shiller? Is this site affilated with Yale University? I am not Robert Shiller. Neither Dr Shiller nor Yale has any affiliation with multpl.com. Howe...
by arcticpineapplecorp.
Sat Nov 09, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: Bank of America declares 'the end of the 60-40' standard portfolio
Replies: 88
Views: 15079

Re: Bank of America declares 'the end of the 60-40' standard portfolio

Thoughts on this bond "bubble" research note ? people (Robert Pozen being one of them) have been saying we're in a bond bubble since at least Oct 9, 2016 (three years ago): The global bond markets are verging on a bubble, which will likely result in a significant loss of principal value for major t...
by arcticpineapplecorp.
Sat Nov 09, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1661

Re: Flight Delay in Europe

yes and I believe I heard this on Clark Howard. But remember, it only applies if a delay occurs from Europe to the U.S., not from the U.S. to Europe. I believe it does apply to flight delays from the US to Europe if you are flying a European carrier. Somebody correct me if I am mistaken. I'm sorry,...
by arcticpineapplecorp.
Fri Nov 08, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3300

Re: Why is VBTLX dropping?

nav was $11.01 yesterday. Today it's $11.00 which means interest rates went up (yesterday the 10 year was 1.93% and today 1.94%). I'd say that was pretty much what you'd expect. Don't feel bad about the NAV dropping. Now you're getting .01% more in interest going foward (unless interest rates drop, ...
by arcticpineapplecorp.
Fri Nov 08, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1661

Re: Flight Delay in Europe

yes and I believe I heard this on Clark Howard. But remember, it only applies if a delay occurs from Europe to the U.S., not from the U.S. to Europe.
by arcticpineapplecorp.
Fri Nov 08, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6633

Re: Was I ripped off at the car dealership?

don't know specifically, but I don't think it's ever a good idea to get an oil change (or any repair for that matter) at a dealership, unless it's a repair covered under warranty or recall. You always have the right to get a second opinion and if you did and a trusted mechanic said the dealership wa...
by arcticpineapplecorp.
Fri Nov 08, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mother gave out social security number to fraudulent caller
Replies: 12
Views: 1589

Re: Mother gave out social security number to fraudulent caller

Hi My mother told me she gave out her SSN to a caller who told her she was from Homeland Security. This happened 3 months ago. Other than checking her credit reports and freezing her credit what else should I be doing? this will prevent thieves from getting credit in her SSN because they will need ...
by arcticpineapplecorp.
Fri Nov 08, 2019 8:07 pm
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 34
Views: 2040

Re: Talk Me Off the Active Investing Ledge!

I am a dedicated index investor. I know that statistically, 2/3rds of funds under-perform their benchmark, and that there is roughly a 20% chance that a fund in a particular quintile will remain in that quintile, or move to any other given quintile. Still, when I see a fund that has outperformed it...
by arcticpineapplecorp.
Thu Nov 07, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone track their actual pension benefit start date?
Replies: 51
Views: 2879

Re: Anyone track their actual pension benefit start date?

OP, did you do the same for SS (i.e., calculate when you're taking out more than you contributed)? If not, why not?
by arcticpineapplecorp.
Thu Nov 07, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2649

Re: Is selling trees for lumber Immoral?

how long did it take the trees to grow? What would happen to the land once the trees are felled? Would there be any plans to repopulate there or elsewhere? what would happen to the value of the land once the trees are gone? some articles: https://www.dnr.state.mn.us/forestry/um/index.html https://do...
by arcticpineapplecorp.
Thu Nov 07, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs
Replies: 13
Views: 1833

Re: Philadelphia Inquirer reports--Vanguard cut fees, this time on 15 S&P and Russell index-based ETFs

Vanguard is the only "mutual" mutual fund company. And how does that help me, exactly? As the post above yours indicates, it does not mean Vanguard has the lowest cost funds. it ensures the company puts your interests first because the company is owned by the funds and the investors in the funds ar...
by arcticpineapplecorp.
Thu Nov 07, 2019 9:52 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1388

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

So what's your take? Should we seek to match the US vs world ratio? Or since I indeed make my income in the USA, perhaps I should flip to 90/10 world to take better advantage of the Flying Finns of future years! the target date retirement fund is close enough to world market cap and the reason vang...
by arcticpineapplecorp.
Thu Nov 07, 2019 8:14 pm
Forum: Personal Investments
Topic: taxation when rebalancing??
Replies: 14
Views: 916

Re: taxation when rebalancing??

In addition to what's been written, sometimes you may have opportunites to tax loss harvest which can help offset gains on stocks sold for a profit. You should read more here:

https://www.bogleheads.org/wiki/Tax_loss_harvesting
by arcticpineapplecorp.
Thu Nov 07, 2019 8:04 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1388

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

international stocks are much cheaper than U.S. Do you like paying more for your investments or less? Paying less tends to lead to higher future returns. Paying more tends to lead to lower future returns. Do you know more than the market does? About half the worlds' investments in equities are outsi...
by arcticpineapplecorp.
Thu Nov 07, 2019 7:42 pm
Forum: Personal Investments
Topic: Short-Term Investment
Replies: 10
Views: 651

Re: Short-Term Investment

Hi all, I've been reading this site for several months now and have started getting my finances in order. Currently maxing out retirement accounts. My question for the forum: I am beginning to put away money for a down-payment on a house. (Not looking for advice on whether or not to buy a house.). ...
by arcticpineapplecorp.
Wed Nov 06, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 51
Views: 4798

Re: When DID the stock market recover from 1929?

One thing worth mentioning... I heard on Tom Cock and Don MacDonald's podcast (Talking Real Money) recently something to the effect of the amount of margin (ratio) was like 90% before the Depression started. So for ever $100 invested, $90 of it was borrowed. However, it was also said that the curren...
by arcticpineapplecorp.
Tue Nov 05, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: Saudi Aramco, a microcosm of International Equities issues.
Replies: 26
Views: 1447

Re: Saudi Aramco, a microcosm of International Equities issues.

Will you be participating in this IPO? no, but that's because I don't "Chase the IPO Dream": You might want to read Larry Swedroe's book "Rational Investing in Irrational Times". The edition I have covers 52 different types of mistakes common to investors (he revised with even more). If you read it...
by arcticpineapplecorp.
Tue Nov 05, 2019 6:09 pm
Forum: Investing - Theory, News & General
Topic: study: single anonymous market manipulator caused bitcoin to top $20,000 two years ago
Replies: 9
Views: 1760

study: single anonymous market manipulator caused bitcoin to top $20,000 two years ago

saw this on cnbc yesterday and thought it was interesting (about how one person is believed to have manipulated bitcoin two years ago): https://www.cnbc.com/2019/11/04/study-single-anonymous-market-manipulator-pushed-bitcoin-to-20000.html similar articles on bloomberg, newsweek and yahoo finance: ht...
by arcticpineapplecorp.
Tue Nov 05, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Dividend investing vs. index investing
Replies: 30
Views: 2169

Re: Dividend investing vs. index investing

Which one is better? in Youtube, it looks like dividend investing is all in the rage. I know that every dividend payout results in lowering stock price of equal amount. How are people bragging about getting a force selling event every month on their shares in the form of dividend? Enlighten me :? W...
by arcticpineapplecorp.
Tue Nov 05, 2019 5:47 pm
Forum: Investing - Theory, News & General
Topic: [Where should I hold] Vanguard REIT Index Fund VGSLX
Replies: 3
Views: 521

Re: Vanguard REIT Index Fund VGSLX

it would be better in a Roth IRA than in a taxable account because REIT funds are generally required to pay out a high percentage of earnings as dividends, so you avoid taxation on those distributions in a Roth IRA and have no taxes on withdrawals. the bogleheads wiki says so here: REITs receive spe...
by arcticpineapplecorp.
Tue Nov 05, 2019 7:42 am
Forum: Personal Investments
Topic: Stock market at its peak
Replies: 32
Views: 4611

Re: Stock market at its peak

welcome to the group. Friday's top was so "last" top. Yesterday the market hit a new top. midareff was right. you could have made money had you invested on Friday. Now you'll either buy higher than you could have, or wait for a fall (but likely still be too worried that the market will fall further ...
by arcticpineapplecorp.
Mon Nov 04, 2019 6:23 pm
Forum: Personal Investments
Topic: Is this CD a Good Investment?
Replies: 6
Views: 693

Re: Is this CD a Good Investment?

Ally has a no-penalty cd paying:
1.9% for $25,000
1.7% for $5000
1.65 for less than $5000

https://www.ally.com/bank/no-penalty-cd/
by arcticpineapplecorp.
Mon Nov 04, 2019 6:03 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7323

Re: Worried I am getting addicted to individual stocks.

At least I've provided evidence in this post to substantiate my claims that buying individual stocks is the Loser's Game Thank you for the links...appreciate it. But I must ask are you adamantly saying that no one should invest in individual stocks because it is impossible to increase the value of ...
by arcticpineapplecorp.
Sun Nov 03, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Paul Mampilly Newsletter - Profits Unlimited
Replies: 7
Views: 539

Re: Paul Mampilly Newsletter - Profits Unlimited

not until now. i assume the unlimited profits he's referring to are for Paul Mampilly, rather than for the readers of his newsletters. unfortunately, your friend will learn the hard way if he follows a stock picker's recommendations. Mark Hulbert used to have a financial digest where he rated the re...
by arcticpineapplecorp.
Sun Nov 03, 2019 7:48 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7323

Re: Worried I am getting addicted to individual stocks.

one other thought for the OP, from Jonathan Clement's most recent article at Humble Dollar: https://humbledollar.com/2019/11/cash-back/ Consider the 90 years through December 2016. According to a study by Hendrik Bessembinder, a professor at Arizona State University, there were almost 26,000 publicl...
by arcticpineapplecorp.
Sun Nov 03, 2019 3:39 pm
Forum: Investing - Theory, News & General
Topic: Nominal or inflation-protected bonds?
Replies: 42
Views: 2763

Re: Nominal or inflation-protected bonds?

have you read this article: https://www.nytimes.com/2009/04/26/your-money/stocks-and-bonds/26stra.html It took 4 1/2 years to bounce back from the 1929 crash (not 25 years as commonly assumed) because of : 1. deflation 2. dividends 3. the dow vs the market In fact, according to a Hulbert Financial D...
by arcticpineapplecorp.
Sun Nov 03, 2019 3:01 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7323

Re: Worried I am getting addicted to individual stocks.

Holding fewer stocks increases the chances of losses and increases uncompensated risk. This is not true for all investors. But it's true for MOST investors. Why? Only 4% of all stocks create all the value of the market. Of the other 96% of stocks that DON'T create ANY value in the market, half of t...
by arcticpineapplecorp.
Sat Nov 02, 2019 10:45 pm
Forum: Personal Investments
Topic: Monthly Dividends
Replies: 16
Views: 2166

Re: Monthly Dividends

rkhusky's response is best. if you don't understand, read more: https://www.bogleheads.org/forum/viewtopic.php?t=231661 https://www.bogleheads.org/forum/viewtopic.php?t=227902 by the way, I noticed a pattern (that's what humans do, try to recognize patterns). these stock picks of yours all seem to d...
by arcticpineapplecorp.
Sat Nov 02, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds are confusing
Replies: 24
Views: 2432

Re: Bonds are confusing

You can learn bond basics in these short videos by Rick Van Ness in the bogleheads wiki:

viewtopic.php?f=10&t=135224
by arcticpineapplecorp.
Sat Nov 02, 2019 10:24 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7323

Re: Worried I am getting addicted to individual stocks.

the best treatment for addiction is abstaining (or abstinence). Try that.

If you stop your addiction, then you'll have no worries anymore so there's no treatment necessary for your "worries".
by arcticpineapplecorp.
Fri Nov 01, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: Best ways to educate self on funds, bonds and options for investing?
Replies: 11
Views: 795

Re: Best ways to educate self on funds, bonds and options for investing?

For example, I know Vanguard has educational materials on its site about its funds-- but are there other less biased sources or any where more general you would suggest beginning? Like, once you understand asset allocation strategy, where do you go to learn about portfolio choices? welcome to the g...
by arcticpineapplecorp.
Fri Nov 01, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: Justifying Non World Market Cap
Replies: 38
Views: 2325

Re: Justifying Non World Market Cap

Vanguard's target date funds used to have 30% international stock and 70% U.S. stock until a few years ago when they decided to increase the international stock portion to 40%. That's still not market cap is it (if international should be 45%)? Yet nobody would argue the target date retirement fund ...
by arcticpineapplecorp.
Wed Oct 30, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: Learn Bond Basics In Minutes (new short videos in Wiki)
Replies: 3
Views: 1042

Re: Learn Bond Basics In Minutes (new short videos in Wiki)

thanks Rick! I'm gonna bookmark this one to share whenever someone asks how bonds work!
by arcticpineapplecorp.
Wed Oct 30, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: Re-Invested Capital Gain Distributions - Tax Implications
Replies: 19
Views: 1210

Re: Re-Invested Capital Gain Distributions - Tax Implications

ArtsCDoctor: I'll ask about the balance in the account that yielded the $42K in capital gains. I'm quite certain it was less than $500K. Why should he/we be furious in this scenario? because if it's a $500,000 investment that's throwing off $42,000 in capital gains it's not as tax efficient as a $3...
by arcticpineapplecorp.
Wed Oct 30, 2019 4:41 pm
Forum: Investing - Theory, News & General
Topic: 2019 Conference Photos
Replies: 3
Views: 556

Re: 2019 Conference Photos

thanks for sharing.
by arcticpineapplecorp.
Tue Oct 29, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4361

Re: Women wearing black to a wedding?

(clickbait)

"Just follow this one rule to be a successful wedding guest!"

click:

"don't look better than the bride."
by arcticpineapplecorp.
Mon Oct 28, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medical billing vent
Replies: 9
Views: 1153

Re: Medical billing vent

had a discussion with my primary doc a couple weeks ago. he said he has no idea how much he's going to get paid when he sees a patient (because the insurers are different and even if several people have the same insurer, they may all have different plans/coverages), but somehow it all works out in t...
by arcticpineapplecorp.
Mon Oct 28, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare billing mystery
Replies: 9
Views: 1050

Re: Medicare billing mystery

I received the following on a Medicare Summary Notice: Amount charged=$153.00 Medicare approved amount=$153.00 Amount Medicare Paid=$140.20 Amount you may be billed=$35.77 OK, as we all know, Medicare normally pays 80% of the approved amount and responsible party or secondary insurance provider nor...
by arcticpineapplecorp.
Mon Oct 28, 2019 2:59 pm
Forum: Personal Investments
Topic: $930,000 new money to invest
Replies: 35
Views: 3791

Re: $930,000 new money to invest

you're dealing with two types of regret minimization: 1. you invest money and then the market goes down (investment loses value) 2. you don't invest money and then the market goes up (you could have made money) which would you regret more? if 1, then do DCA if 2, then do lump sum if not sure which w...