Search found 2692 matches

by arcticpineapplecorp.
Wed Apr 18, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 856

Re: How to argue for S&P

Great post. Is that after fees? If not I would think the much higher fees of the JDMNX fund would eat up quite a bit from 1992 to present. Does anyone know definitively? I thought they did, but when I type "does morningstar calculate net return after fees" into the google, it took me to these coupl...
by arcticpineapplecorp.
Wed Apr 18, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 856

Re: How to argue for S&P

Yes based on nearly every study ever done. Jensen's original study in the 1930's showed the best performers for the last ?5 years became the under performers in the next 5 years. Mr. Bogle's has a great graphic of this in his excellent "Common Sense" (which I believe was in in his 10th anniversary ...
by arcticpineapplecorp.
Wed Apr 18, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 856

Re: How to argue for S&P

So you have been given three solid pieces of advice (four, if you count "not arguing with others"): 1. why 10 years? 2. Why do you assume the next 10 years will be just like the last 10 years? 3. Why are you comparing two funds that are not at all alike? (one is mid cap and the other is large cap) Y...
by arcticpineapplecorp.
Tue Apr 17, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1465

Re: Please help me with arguments for/against actively managed...

I am in a debate with a friend regarding performance of an actively managed portfolio that charges 1.2% fees per year vs. a three fund strategy at Vanguard. Please help me with the pros/cons of this argument. Thanks in advance. Love, RR Here's the thing. First off, you have to compare apples to app...
by arcticpineapplecorp.
Tue Apr 17, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: For those that re-invest dividends automatically...
Replies: 15
Views: 2192

Re: For those that re-invest dividends automatically...

To piggyback on what others said and get you thinking further about it...if you agree the dividends are part of the earnings...say the dividends are 2%. If you say, "Gee I can save 23% of my pay since the other 2% is coming from the divs (23% + 2% = 25% savings rate) then why wouldn't you say "Well,...
by arcticpineapplecorp.
Tue Apr 17, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2822

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 Apr 16, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2822

Re: Meb Faber/Cambria/Trinity Funds

I don't think it's that hard to figure out. He pretty much lays it out in the following paper: http://www.cambriainvestments.com/wp-content/uploads/2016/07/Trinity_DIGITAL_final.pdf As a brief summary, the paper outlines a strategy that allocates as follows: 50% - Buy and Hold (with Value and Momen...
by arcticpineapplecorp.
Sun Apr 15, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 2798

Re: What to do about withdrawal this year if market doesn't go up?

This year is looking like 2015, where the market only went up 1%. You are making a prediction. The past is not prologue. Also, your analogy does hot hold water. By 4/14/2015 the total stock market was up 3.13% (http://quotes.morningstar.com/chart/fund/chart.action?t=VTSAX®ion=usa&culture=en-US&d...
by arcticpineapplecorp.
Sun Apr 15, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2822

Re: Meb Faber/Cambria/Trinity Funds

Larry Swedroe advocates small and value tilts and has now come onboard with trend following as well, which is mostly what Meb advocates. That's the thing. I've been listening to Mab Faber's podcast for months and still have no idea what his actual strategy is. He seems to be all over the place with...
by arcticpineapplecorp.
Sun Apr 15, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Pacer Wealthshield ETF
Replies: 11
Views: 629

Re: Pacer Wealthshield ETF

arcticpineapplecorp., why are you posting prospectus language? Aren't these things obvious from the description of the strategy? Because I'm not sure if the OP read the prospectus. In fact, I'm pretty sure most people don't read prospectuses, so I thought I'd draw the OP's attention to it. I think ...
by arcticpineapplecorp.
Sun Apr 15, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Pacer Wealthshield ETF
Replies: 11
Views: 629

Re: Pacer Wealthshield ETF

How long would you wait? Ten years? I don't think that's enough, yet too long in human investor terms. If anything the answer would be to go and backtest a lot of similar strategies and try to identify the properties of this approach. Even Pacer agrees with me and admit in their own prospectus. The...
by arcticpineapplecorp.
Sun Apr 15, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Pacer Wealthshield ETF
Replies: 11
Views: 629

Re: Pacer Wealthshield ETF

from the link you provided: 'Inception date 12/11/17" Not much of a track record to speak of yet. Don't you think it might be better to see how it performs in different markets before being the first in the pond? How long would you wait? Ten years? I don't think that's enough, yet too long in human...
by arcticpineapplecorp.
Sun Apr 15, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: 'Qualified Opportunity Zones' - are they worthwhile?
Replies: 3
Views: 310

Re: 'Qualified Opportunity Zones' - are they worthwhile?

I'm glad to see they consider golf clubs and country clubs to be "sinful": 2. Because of the broad assortment of uses of NMTC financing, the second factor for qualifying a project relies on prohibited and disqualifying uses. If the initial location threshold qualification is met, several disqualifyi...
by arcticpineapplecorp.
Sun Apr 15, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Pacer Wealthshield ETF
Replies: 11
Views: 629

Re: Pacer Wealthshield ETF

from the link you provided:

'Inception date 12/11/17"

Not much of a track record to speak of yet. Don't you think it might be better to see how it performs in different markets before being the first in the pond?
by arcticpineapplecorp.
Thu Apr 12, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 44
Views: 2822

Re: Meb Faber/Cambria/Trinity Funds

I enjoy Meb's podcast.

It seems the expense ratios are a bit higher than I'd like to pay (between .47% and .82% mostly) and I don't do trend following. I like Vanguard. Funds are well diversified and much cheaper. Nothing against Meb.

source:
https://www.cambriainvestments.com/trinity-portfolio/
by arcticpineapplecorp.
Thu Apr 12, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign source of income with Fidelity funds
Replies: 5
Views: 287

Re: Foreign source of income with Fidelity funds

Are these funds with fidelity in taxable accounts? You didn't say. So I thought I'd ask, rather than assume. Because if it's in an IRA or 401k the dividends are not eligible for the Foreign Tax Credit. They are if in a taxable account:

https://www.irs.gov/publications/p514
by arcticpineapplecorp.
Thu Apr 12, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1097

Re: Men's Boxer briefs without brand/embossing

Just change your name to Joe and you'll be fine. Of course you'll have to also change your career to boxing.
by arcticpineapplecorp.
Thu Apr 12, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3853

Re: Help with shared child being spoiled

My thinking was to maybe tie it to a job. For example, he asks for a $5 toy and the response is "ok but it's going to cost you 2 bags of raked leaves when we get home." Sorry, I thought he was in the 4-6 range too. That's why I posted the Stanford Marshmallow Experiment (it was kids around that ran...
by arcticpineapplecorp.
Wed Apr 11, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3853

Re: Help with shared child being spoiled

maybe share the following information with the grandparents: https://www.google.com/search?q=marshmallow+experiment&ie=utf-8&oe=utf-8&client=firefox-b-1-ab If they want their grandchildren to succeed they'll teach delayed gratification, not instant gratification. If not, why do the grandparents want...
by arcticpineapplecorp.
Wed Apr 11, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Book recommendation for Millenial
Replies: 11
Views: 943

Re: Book recommendation for Millenial

just send them the index card:

https://www.washingtonpost.com/news/won ... 0bf9f7105a

It contains everything they need to know (basically if starting out) on one index card.
by arcticpineapplecorp.
Wed Apr 11, 2018 9:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7924

Re: Too much Bogleheads.org?

It's a different book ( Sense & Sensibility rather than Pride and Prejudice ), but I can't help sharing a favorite Jane Austen quote on matters financial: "People always lives for ever when there's an annuity to be paid them." source: http://www.mollands.net/etexts/senseandsensibility/sns2.html And...
by arcticpineapplecorp.
Mon Apr 09, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Easily digestible info/blog on finances for spouse?
Replies: 35
Views: 2343

Re: Easily digestible info/blog on finances for spouse?

I was just checking in to see if there were others out there with similar circumstances, which I know there are, and who might have found a medium that speaks to our more spendy spouses in a way that resonates better than the more traditional books/blogs. BillTed When I started getting the investin...
by arcticpineapplecorp.
Mon Apr 09, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: "How cryptocurrency investors could find themselves behind bars"
Replies: 7
Views: 868

"How cryptocurrency investors could find themselves behind bars"

Interesting article from today. This one about making sure if you purchased at least $10,000 in bitcoin off a foreign exchange that you remember to file your FBAR (IRS form 8938): "If you're using foreign exchanges, it's going to qualify as a foreign reportable account for FBAR," Ozelli said. And ma...
by arcticpineapplecorp.
Mon Apr 09, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Easily digestible info/blog on finances for spouse?
Replies: 35
Views: 2343

Re: Easily digestible info/blog on finances for spouse?

how about a 4X6 index card that covers all the financial advice she'll ever need?

https://www.washingtonpost.com/news/won ... c31d0f1585
by arcticpineapplecorp.
Mon Apr 09, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a 10 year horizon
Replies: 12
Views: 1031

Re: Investing with a 10 year horizon

Thanks for your help! I actually considered to invest 25% of it in an ACWI ETF as the alternative to having 100% in my bank account. This way, I would most likely end up at somewhere between 87,5 -150% of my initial investment (100% cash) and with a higher likelyhood of ending up at >100% (empirica...
by arcticpineapplecorp.
Mon Apr 09, 2018 9:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7924

Re: Too much Bogleheads.org?

maybe someone should start a support group for people who get "too much bogleheads" :happy
by arcticpineapplecorp.
Mon Apr 09, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Shoo Fly Pie & Raisin Pie. Hard to come by where I live. I'm glad to see you make your own. For others who don't know how,, don't want to, or can't get one where they live, they can order what's arguably the best shoo fly pie in the world from Dutch Haven: http://dutchhaven.com/store/proddetail.php...
by arcticpineapplecorp.
Sun Apr 08, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Shoo Fly Pie & Raisin Pie. Hard to come by where I live. I'm glad to see you make your own. For others who don't know how,, don't want to, or can't get one where they live, they can order what's arguably the best shoo fly pie in the world from Dutch Haven: http://dutchhaven.com/store/proddetail.php...
by arcticpineapplecorp.
Sun Apr 08, 2018 7:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 66
Views: 7924

Re: Too much Bogleheads.org?

welcome to the 1/3rd of people who are financially literate (assuming you are). That's right, 2/3rds of Americans can't pass a basic literacy test: http://fortune.com/2016/07/12/financial-literacy/ Realize then that most people you encounter are not like you, i.e., not financially minded. It can be ...
by arcticpineapplecorp.
Sun Apr 08, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a 10 year horizon
Replies: 12
Views: 1031

Re: Investing with a 10 year horizon

Since I live in germany the banks give about 0,5% interest on it if you lock it up for 10 years. Welcome to the group. When you say lock it up do you mean like a CD (certificate of deposit)? If so, in the U.S. you can "lock it up" in a CD for different time periods (6 months, 1 year, 2 years, 3 yea...
by arcticpineapplecorp.
Sun Apr 08, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: “Women-led companies perform 3x better than S&P 500”
Replies: 32
Views: 1953

Re: “Women-led companies perform 3x better than S&P 500”

There's also this from the article: Of course, not every woman CEO had a stellar performance. The biggest loser on the list was Janet Robinson at The New York Times, where an investor would have lost more than 80% of his or her investment during her tenure from Dec. 27, 2004 to Jan. 3, 2012. Others ...
by arcticpineapplecorp.
Sun Apr 08, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: “Women-led companies perform 3x better than S&P 500”
Replies: 32
Views: 1953

Re: “Women-led companies perform 3x better than S&P 500”

BogleBoogie wrote:
Sun Apr 08, 2018 1:29 pm
What does "DW" stand for?
"dear wife" or apparently "darling wife":

https://www.google.com/search?q=what+do ... fox-b-1-ab
by arcticpineapplecorp.
Fri Apr 06, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: Guggenheim's Scott Minerd's dire forecast for financial markets
Replies: 17
Views: 2019

Re: Guggenheim's Scott Minerd's dire forecast for financial markets

Have you ever seen Larry Swedroe's annual compilation of the "experts" predictions? If not read here: http://www.etf.com/sections/index-investor-corner/swedroe-sure-things-check?nopaging=1 You see even experts with Ph.Ds and such do not do well making predictions. And as if that's not enough (not su...
by arcticpineapplecorp.
Fri Apr 06, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about loan forgiveness program (PAYE - Pay As You Earn Plan)?
Replies: 5
Views: 340

Re: Questions about loan forgiveness program (PAYE - Pay As You Earn Plan)?

That site shows: If you're married, your spouse's income or loan debt will be considered only if you file a joint tax return. source: https://studentaid.ed.gov/sa/repay-loans/understand/plans That answers your first question. Unfortunately married filing separately is usually the worst filing option...
by arcticpineapplecorp.
Thu Apr 05, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21610

Re: Anyone Deleting Facebook?

The CIO of CalSTRS Christopher Ailman: Manager of $200 billion pension fund deletes Facebook account, citing 'offensive' management https://www.cnbc.com/2018/04/05/calstrs-cio-deletes-facebook-account-citing-offensive-management.html Doesn't say whether he's going to stop investing his state's (Cali...
by arcticpineapplecorp.
Thu Apr 05, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2517

Re: SPOT [Investing in Spotify]

Here's my thoughts on investing in IPOs, or new issues of stock, and individual stock picking in general. I wrote the following here (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=245067#p3844818) but perhaps you missed it. It went something like this: You might want to read Larry Swedroe's ...
by arcticpineapplecorp.
Wed Apr 04, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2517

Re: SPOT [Investing in Spotify]

How long does it take for Spot to be added to Total Stock Market Index? This Rick Ferri article for Forbes from 2012 says: I am pleased that Vanguard is finally going back to a total market strategy and will again include more micro-cap stocks. According to the CRSP U.S. Equity Indexes Methodology ...
by arcticpineapplecorp.
Wed Apr 04, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2517

Re: SPOT [Investing in Spotify]

Here's my thoughts on investing in IPOs, or new issues of stock, and individual stock picking in general. I wrote the following here (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=245067#p3844818) but perhaps you missed it. It went something like this: You might want to read Larry Swedroe's b...
by arcticpineapplecorp.
Wed Apr 04, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8292

Re: Liability for 32 year old step son living home

junior wrote:
Tue Apr 03, 2018 8:57 pm
TxAg wrote:
Mon Apr 02, 2018 8:37 pm

Did we have these kinds of issues 40+ years ago?
The play The Glass Menagerie was written in 1944 and features a female character unable to get over her physical and mental issues and join the adult world.
And Peter Pan is a story about a boy who never grows up.
by arcticpineapplecorp.
Wed Apr 04, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: How Scalabale is the 3/4 Fund portfolio?
Replies: 38
Views: 2811

Re: How Scalabale is the 3/4 Fund portfolio?

Just pulled up the latest report for my pension fund. http://sers.pa.gov/pdf/Press_Releases/2018-03-27-NewsRelease.pdf They say the pension fund earned 15.1% net of fees for 2017. It is currently 80/20 to my knowledge. Yes that's risky for a pension fund. But they've got lousy returns from the great...
by arcticpineapplecorp.
Tue Apr 03, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 19
Views: 2349

Re: Cell account hacked

clark howard talked about this recently. Here's how to add a pin to your phone to prevent "sim hijacking":

https://clark.com/scams-rip-offs/sim-hi ... ile-phone/
by arcticpineapplecorp.
Tue Apr 03, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8292

Re: Liability for 32 year old step son living home

Did we have these kinds of issues 40+ years ago? How about 20+ years ago? http://homes.chass.utoronto.ca/~ngargano/corsi/100/mamma.art.html - Ron That's still a problem in Italy today. But while it's in part a cultural holdover, it also is related to a high unemployment rate in that country for you...
by arcticpineapplecorp.
Tue Apr 03, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor, Self employed
Replies: 5
Views: 348

Re: New Investor, Self employed

you can read more about the differences between sep ira and individual 401k here: https://investor.vanguard.com/what-we-offer/small-business/overview?Link=facet Vanguard has well diversified low cost target date retirement funds (read more here): https://investor.vanguard.com/mutual-funds/target-ret...
by arcticpineapplecorp.
Tue Apr 03, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 30
Views: 3434

Re: China Hustle Movie

Just heard an interview on motley fool money from last week here with the director of the movie I believe: https://www.fool.com/podcasts/motley-fool-money/2018-03-30-the-china-hustle/ The takeaway seemed to be that the "shorts" straightened everything out in the end, which is what short-sellers do,...
by arcticpineapplecorp.
Mon Apr 02, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Dietcoin: Brother of Cocaine Kingpin Releases New Cryptocurrency
Replies: 3
Views: 367

Re: Dietcoin: Brother of Cocaine Kingpin Releases New Cryptocurrency

Perhaps you missed Dogecoin No I saw that and talked about it in a previous thread. I wondered if that was the moment this jumped the shark but boy does this keep getting worse and worse. Yet people keep lapping it up (pun intended). Dietcoin...for when your wallet needs to shed a few "pounds" (for...
by arcticpineapplecorp.
Mon Apr 02, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 30
Views: 3434

Re: China Hustle Movie

Just heard an interview on motley fool money from last week here with the director of the movie I believe: https://www.fool.com/podcasts/motley-fool-money/2018-03-30-the-china-hustle/ The takeaway seemed to be that the "shorts" straightened everything out in the end, which is what short-sellers do, ...
by arcticpineapplecorp.
Mon Apr 02, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Dietcoin: Brother of Cocaine Kingpin Releases New Cryptocurrency
Replies: 3
Views: 367

Dietcoin: Brother of Cocaine Kingpin Releases New Cryptocurrency

Didn't see it listed here. Apologize if that's the case (mods. feel free to delete or merge) You can't make this stuff up. Some of the gems: Like the classic soft drink Coke, Roberto Escobar releases his own Dietcoin. Promising it to be ‘not a scam’ and better than bitcoin. Roberto Escobar, brother ...
by arcticpineapplecorp.
Sun Apr 01, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8292

Re: Liability for 32 year old step son living home

I would not claim his as a dependent on your taxes (if you feel he is able to work and support himself), he very likely thinks he is doing you a favor and that you are benefiting financially from it. We all know this is not really the case, but I can imagine his mind is twisting it that way. They a...
by arcticpineapplecorp.
Sun Apr 01, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19657

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

My wife and I are both retired and she has her IRAs (Traditional, Rollover, and Roth) with Fidelity. Thus we were invited to a Ruth Chris dinner presentation for retirement planning last year. We were totally amazed that there was no pressure, no recommendations, no pitch for any Fidelity product, ...