Search found 2559 matches

by arcticpineapplecorp.
Thu Feb 22, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 24
Views: 2313

Re: Thinking about selling GE to invest in an index fund

Here's the way to think about it (complements to Larry Swedroe, who wrote about this in his book "Rational Investing In Irrational Times"): (paraphrasing): If you didn't own the shares at all, would you go out and purchase the same amount of shares right now? If the answer is "No", then sell them. I...
by arcticpineapplecorp.
Thu Feb 22, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Importing 1099 data into H&R Block if you use a password manager?
Replies: 8
Views: 518

Re: Importing 1099 data into H&R Block if you use a password manager?

you're uploading a pdf. how would that affect a password manager? I uploaded a 1099 and it was fine, but I don't use a password manager. No, the software is connecting to your bank/brokerage to pull your 1099. To do that it needs information from you, which in some cases is your username and passwo...
by arcticpineapplecorp.
Thu Feb 22, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 47
Views: 3675

Re: Need $100,000 in 20 years. Help!

if you're leary about the ups and downs and whether $100,000 will actually be there, isn't the worse case scenario to just save $5000 a year for 20 years (assuming no growth)? Or put $5000 in i-bonds each year (guaranteed to keep pace with inflation, the max is $10,000 a year) or use TIPS or a short...
by arcticpineapplecorp.
Wed Feb 21, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2208

Re: Employment for Immigrant Wife

how's her English? Could she be a translator? Sometimes, they can work from home. Where I work we use Language Line. Just used it yesterday for vietnamese translation. Here are some other potential employers: https://www.thespruce.com/work-from-home-translation-jobs-3542813 http://www.workfromhomebu...
by arcticpineapplecorp.
Wed Feb 21, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 18
Views: 2045

Re: Still lose with bonds even at duration

perhaps you should read this post, by nisiprius:

viewtopic.php?t=232550#p3623854

and this expansion by lack_ey on that issue from that same post:

viewtopic.php?f=10&t=232550&start=150#p3715772
by arcticpineapplecorp.
Wed Feb 21, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Importing 1099 data into H&R Block if you use a password manager?
Replies: 8
Views: 518

Re: Importing 1099 data into H&R Block if you use a password manager?

you're uploading a pdf. how would that affect a password manager? I uploaded a 1099 and it was fine, but I don't use a password manager.
by arcticpineapplecorp.
Tue Feb 20, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 15
Views: 1510

Re: Vanguard Golf Balls

good to know the chandlery will offer them. All I found was this: https://s10.postimg.org/w43f7q3y1/Capture.jpg And it costs $4.58 for one ball...plus $5.50 shipping and handling!! One ball!! It's vintage though, so there's that. https://www.ebay.com/itm/1-VINTAGE-SPALDING-VANGUARD-4-LOGO-GOLF-BALL-...
by arcticpineapplecorp.
Tue Feb 20, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Brother Inheriting a Business - Investment Help Appreciated!
Replies: 11
Views: 1200

Re: Brother Inheriting a Business - Investment Help Appreciated!

you can check here to see what type of retirement plan might be relevant to him (and his employees, depending on the number of employees he might have):

https://investor.vanguard.com/what-we-o ... Link=facet
by arcticpineapplecorp.
Tue Feb 20, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2109

Re: Help invest an extra $5,000 per month

need more info. please post according to (asking portfolio questions):

viewtopic.php?t=6212
by arcticpineapplecorp.
Mon Feb 19, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4379

Re: Will REIT funds ever see another drawdown like 2008?

Okay, so we know there were some serious issues with the real estate market in 2008. VGSIX, Vanguard REIT Index Investor, was down 68.3% in 2008! That means, if you purchased at the top, your savings went down to 31.7% of their initial value! To recoup your loss, you needed to make a return of 215%...
by arcticpineapplecorp.
Mon Feb 19, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 71
Views: 2614

Re: Misc Income [how to report with no 1099]

I don't think it's miscellaneous income. In fact in order to get turbotax to count it as miscellaneous and not as self-employment you have to specifically answer the following two questions: Select No, it didn’t involve work….. and Continue. Select No, it didn’t involve an intent to earn money, then...
by arcticpineapplecorp.
Mon Feb 19, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 71
Views: 2614

Re: Misc Income [how to report with no 1099]

I tried the schedule C as freelancer... But holy cow, it took $500 off my refund!?!? A $500 tax hit for $1200 of misc income?!? does that seem right? 42%. That could be right. It will often be 15.3% self-employment tax plus your marginal tax rate. If your earned income (wages plus the $1200 self em...
by arcticpineapplecorp.
Mon Feb 19, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 71
Views: 2614

Re: Misc Income [how to report with no 1099]

I tried the schedule C as freelancer... But holy cow, it took $500 off my refund!?!? A $500 tax hit for $1200 of misc income?!? does that seem right? 42%. That could be right. It will often be 15.3% self-employment tax plus your marginal tax rate. If your earned income (wages plus the $1200 self em...
by arcticpineapplecorp.
Mon Feb 19, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Suprime and Asset Backed
Replies: 2
Views: 143

Re: Suprime and Asset Backed

these are presumably bonds and not stocks. The advice generally is to take your risk on the stock side of the portfolio, not the bond side. The bonds are for stability and therefore aren't supposed to generate decent returns. That's what the stocks are for. For instance I don't see that the vanguard...
by arcticpineapplecorp.
Mon Feb 19, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 71
Views: 2614

Re: Misc Income [how to report with no 1099]

I tried the schedule C as freelancer... But holy cow, it took $500 off my refund!?!? A $500 tax hit for $1200 of misc income?!? does that seem right? 42%. That could be right. It will often be 15.3% self-employment tax plus your marginal tax rate. If your earned income (wages plus the $1200 self em...
by arcticpineapplecorp.
Mon Feb 19, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 23
Views: 1463

Re: Is it "cute" to invest in sector funds?

I like to answer questions with questions so here's one for you: Do you want to take the additional risk known as sector risk or not? Think about that for a moment. If you own the total market, you take no sector risk. You're invested in all sectors. Yes some sectors will outperform and others will ...
by arcticpineapplecorp.
Mon Feb 19, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 2852

Re: Which book for an 18 year old who is asking about investing?

I typed in Jack Bogle's "The Little Book of Commonsense Investing" and was surprised to find it (an older version anyway) in pdf fashion in the first link below (can't seem to get it to link properly as a URL, so you have to copy and paste into browser, or use second link which is google search for ...
by arcticpineapplecorp.
Sun Feb 18, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1342

Re: Emergency costs

Let me add another - hit me HARD. Lawsuit against you and others. You lost and all the others on the losing side declare bankruptcy. Your assets ate depleted by the judgment. Since this was "business" personal umbrella policy did not cover. If the business was in an LLC (limited liabilty corporatio...
by arcticpineapplecorp.
Sun Feb 18, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spousal benefit thank you
Replies: 2
Views: 472

Re: SS Spousal benefit thank you

here's some interesting info on what ended and what didn't: https://www.aarp.org/retirement/social-security/info-2016/social-security-final-word-on-file-and-suspend.html does age have something to do with it?: Q. But I thought "deemed filing" made it impossible to choose which benefit you want. A. N...
by arcticpineapplecorp.
Sun Feb 18, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Talk to me about jobs with primerica
Replies: 13
Views: 736

Re: Talk to me about jobs with primerica

Their general schtick is to get you out of whole life and into cheaper term life (not bad so far) and refinance their mortgage to a lower rate (this is obviously rate dependent, but if people need this help, it's possible they settled for too high a rate originally) and take the savings and invest i...
by arcticpineapplecorp.
Sun Feb 18, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4556

Re: What is the evidence against slice and dice?

similarly, here's a recent article from Swedroe about why it may be a good idea to have a large international allocation. international has done mediocre the past decade, so the next decade should be better. of course, no one knows for sure when or if this will happen. large caps could beat everyth...
by arcticpineapplecorp.
Sat Feb 17, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: New to IRA
Replies: 5
Views: 321

Re: New to IRA

not sure why you started a second post. The other post from 2015 (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=161486&p=2425721#p2425721) was fine. The only problem is you should post more information to get more helpful answers: https://www.bogleheads.org/forum/viewtopic.php?t=6212 I sugges...
by arcticpineapplecorp.
Sat Feb 17, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6586

Re: PSA: Bank of America now charges $12/month for checking

I already have 3 CU accounts! :beer At least I'm getting a free safe deposit box out of BofA :mrgreen: Be careful. You already admitted they changed their policy. What makes you so sure they won't do that again? Here's a post from 2006 where a boglehead had a five figure balance at BofA (that's one...
by arcticpineapplecorp.
Sat Feb 17, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10697

Re: What has been your most important skill in achieving financial independence?

Side question - is saving 25% gross income aggressive enough to "safely" achieve FI at age 65? I've found 25% savings, 25% tax, 40% need, 10% want to be a nice guideline...curious what other people use. welcome to the forum. here's a helpful post that shows how rate of savings can determine early r...
by arcticpineapplecorp.
Fri Feb 16, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6586

Re: PSA: Bank of America now charges $12/month for checking

Happy Ending! :beer I called CS and it was surprisingly simple, not too many menus and wait time was short. They refunded $48 of fees! :D I guess I'll be keeping $1500 in that checking account hereafter. Ah, you didn't learn the lesson...not to bank with a "giant monster mega-bank" as Clark Howard ...
by arcticpineapplecorp.
Fri Feb 16, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 2852

Re: Which book for an 18 year old who is asking about investing?

Jack Bogle's "The Little Book of Commonsense Investing". It's probably available for free from the public library. That's where I first read it. Small, straightforward great little book! Also, have her watch the videos here: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosoph...
by arcticpineapplecorp.
Thu Feb 15, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4556

Re: What is the evidence against slice and dice?

Here's a great article (speech by Jack Bogle) from 2002 Jack titled, "The Telltale Chart". You might want to read it if you haven't already. Point #5 gets into reversion to the mean and slice and dice. It's an interesting read.

https://www.vanguard.com/bogle_site/sp20020626.html
by arcticpineapplecorp.
Thu Feb 15, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 21049

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

Thanks. requested as well and got a response that the mug is on the way!
by arcticpineapplecorp.
Thu Feb 15, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401K to Roth 401K
Replies: 40
Views: 2738

Re: 401K to Roth 401K

Also you may not be aware of this (many aren't) but Roth 401ks require RMDs at 70 1/2 unlike Roth IRAs. Therefore you will have to rollover your Roth 401k money into a Roth IRA at 70 1/2 to avoid RMDs. Not a major deal, but something to be aware of. While my 457(b) representative has encouraged the...
by arcticpineapplecorp.
Tue Feb 13, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k pre-tax, Roth, or a blend?
Replies: 18
Views: 1173

Re: 401k pre-tax, Roth, or a blend?

Hi everybody, so this year will be my first full year of employment with the company I'm working for. I'm currently 26 and living at home for this year just trying to save a lot of money so I can get a good investment foundation. My salary is $60K/year, and currently I am set to max out my HSA, Rot...
by arcticpineapplecorp.
Tue Feb 13, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11144

Re: Did you learn anything from the market correction?

I learned from a financial columnist that You can no longer trust the 200-day moving average as a stock-market indicator. Just as I learned that I could no longer trust my lucky rabbit's foot when I slipped on the banana peel and fell down the manhole and had the anvil land on me. I learned that th...
by arcticpineapplecorp.
Tue Feb 13, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: New Family finance
Replies: 1
Views: 261

Re: New Family finance

welcome to the forum!

You've given us too little to go on. Please read the following post and repost the relevant information:

viewtopic.php?t=6212

That way you'll not only get more responses...some of them might actually be relevant!
by arcticpineapplecorp.
Tue Feb 13, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401K to Roth 401K
Replies: 40
Views: 2738

Re: 401K to Roth 401K

Also you may not be aware of this (many aren't) but Roth 401ks require RMDs at 70 1/2 unlike Roth IRAs. Therefore you will have to rollover your Roth 401k money into a Roth IRA at 70 1/2 to avoid RMDs. Not a major deal, but something to be aware of. While my 457(b) representative has encouraged the ...
by arcticpineapplecorp.
Sun Feb 11, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19545

Re: I bought a stock today - Redfin (RDFN)

ok, just finished reading the Larry Swedroe Book "Rational Investing in Irrational Times". It appears our OP is making mistake 51 "Do You Chase the IPO Dream?" In this chapter Larry goes through all the evidence that picking an IPO is the winning strategy...for the underwriters on Wall Street who ge...
by arcticpineapplecorp.
Sat Feb 10, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Does Shiller PE imply negative returns?
Replies: 57
Views: 3256

Re: Does Shiller PE imply negative returns?

Shiller's book Irrational Exuberance came out in 1996. Didn't it first get published in March 2000? All the sources I find say it was published then, not in 1996. Shiller did publish a paper in the summer of 1996 that said this: The fitted value for today of the regression is –.479, implying an exp...
by arcticpineapplecorp.
Sat Feb 10, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Does Shiller PE imply negative returns?
Replies: 57
Views: 3256

Re: Does Shiller PE imply negative returns?

Between 1996 and 2009, the stock market was exactly flat, and had two major crashes to get there. Really hard to see how his prediction was wrong. Cash would have earned the same, and with no volatility. That's the benefit of hindsight. Even predictions can be right, but for the wrong reasons as I ...
by arcticpineapplecorp.
Thu Feb 08, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7404

Re: How to deal with regret

At least you're not the world's worst market timer. That's Bob. He only invested in market peaks right before the market fell. He did this repeatedly over decades. Things worked out fine for him (because he didn't need the money after he invested it AND the market went higher in the future after rec...
by arcticpineapplecorp.
Thu Feb 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Does Shiller PE imply negative returns?
Replies: 57
Views: 3256

Re: Does Shiller PE imply negative returns?

Shiller's book Irrational Exuberance came out in 1996. He was predicting a crash or at least implying that prices were too high (or earnings didn't justify price, which was the case for internet stocks that had no earnings). After his book came out the market gained 100% over the next three years 19...
by arcticpineapplecorp.
Tue Feb 06, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: Return of stock market is better overnight than during the day - NYTimes article
Replies: 19
Views: 2554

Re: Return of stock market is better overnight than during the day - NYTimes article

interesting article. a few thoughts: 1. this follows what Buffett and Munger have always said...that they make more money sleeping than awake. 2. The old saying is "Now that everyone knows it, you won't be able to act on it". How will this change investor behavior? Will there be less trading during ...
by arcticpineapplecorp.
Tue Feb 06, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12420

Re: Am I saving too much for retirment?

here's a few thoughts: 1. it depends on what your goal is for retirement. By that I mean do you want to retire early or at a normal age? Your savings rate factors in here. The higher the savings rate the earlier you can retire. Here's a good article by MMM about how increasing savings rates can get ...
by arcticpineapplecorp.
Tue Feb 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why different return of VTIAX and VXUS today (2/6/2018)?
Replies: 12
Views: 1121

Re: Why different return of VTIAX and VXUS today (2/6/2018)?

that is interesting. Not sure if this is the reason but this past post on a similar subject (difference between a mutual fund and similar etf) indicated the differences (which were not as large as in this case) were possibly due to human error. Read more at the link below. I'm sure others will chime...
by arcticpineapplecorp.
Tue Feb 06, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin: Digital Gold or Fool's Gold" blog by Joe Davis, chief economist at Vanguard
Replies: 4
Views: 598

"Bitcoin: Digital Gold or Fool's Gold" blog by Joe Davis, chief economist at Vanguard

https://vanguardblog.com/2018/02/06/bitcoin-digital-gold-or-fools-gold/ “What do you think about Bitcoin?” Over the past few months, I’ve been asked this question more than any other. In 2017, Bitcoin, the world’s first cryptocurrency, rose by almost 1,200%, prompting excitement and bafflement. My a...
by arcticpineapplecorp.
Tue Feb 06, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7869

Re: "Bitcoin is my potential pension"

new post from Joe Davis, chief economist at Vanguard:
https://vanguardblog.com/2018/02/06/bit ... ools-gold/

Bitcoin? Digital Gold or Fool's Gold?
by arcticpineapplecorp.
Mon Feb 05, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7869

Re: "Bitcoin is my potential pension"

People lose money in non-Bitcoin stuff too. Remember the housing bubble? How can anyone lose buying a house? Well, it happened to millions! Houses were not haunted as an asset class. It's that prices crashed, which can happen to any asset class. I just hope people would keep an open mind regarding ...
by arcticpineapplecorp.
Sun Feb 04, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: Are Japanese Stocks Cheap?
Replies: 21
Views: 1846

Re: Are Japanese Stocks Cheap?

Vanguard's Japan Stock Index Fund shows the P/E is 16.0X and the price to book is 1.4X: https://americas.vanguard.com/institutional/mvc/detail/mf/overview?portId=9118&assetCode=EQUITY##overview The Vanguard Pacific Stock Index Fund has a P/E of 14.9X and price to book 1.5X (includes Japan, Australia...
by arcticpineapplecorp.
Sun Feb 04, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7869

Re: "Bitcoin is my potential pension"

“Us little guys working our butts off, we can’t get ahead,” Cedric Knight, 35, told Melin. “This is a once-in-a-lifetime opportunity to change my life.” You can get ahead over time, over the course of your life. The problem is you're trying to retire and you're only 35. While some may be able to do...
by arcticpineapplecorp.
Sun Feb 04, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Superbowl bored [Should I invest my cash?]
Replies: 6
Views: 1338

Re: Superbowl bored [Should I invest my cash?]

My question is with the market adjusting last week and probably this week is it a good time to put some cash into play. I have 60/40 equity overall asset allocation in all accounts with 60% of out total funds in taxed accounts. Will begin converting tax advantaged accounts to Roth upon retirement i...
by arcticpineapplecorp.
Sun Feb 04, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Night Vision Glasses
Replies: 16
Views: 1959

Re: Night Vision Glasses

do you have anti-reflective coating on your glasses? That supposedly cuts down on the glare from lights at nighttime.
by arcticpineapplecorp.
Sun Feb 04, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index still seen at 3000+ by year-end?
Replies: 19
Views: 1581

Re: S&P 500 Index still seen at 3000+ by year-end?

read the following articles and then tell us whether you think you (or anyone) should be putting any stock whatsoever in the business of predictions: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&cad=rja&uact=8&ved=0ahUKEwjjqcvAio3ZAhUjxVkKHTfsCGUQFgg3MAI&url=https%3A%2F%2Fwww.bogl...