Search found 3599 matches

by arcticpineapplecorp.
Tue Jan 15, 2019 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target 2050 question
Replies: 7
Views: 557

Re: Vanguard Target 2050 question

My husband has about $20,000 in Vanguard Target 2050. He is 31. I know it's not much, but he only keeps losing money for the past year. Should we stick with this, or is this a poor choice? Thanks. did he understand what he invested in when he picked the 2050 fund? It's a good choice, not a poor cho...
by arcticpineapplecorp.
Tue Jan 15, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth premium increase
Replies: 23
Views: 1903

Re: Genworth premium increase

the "partnership" part is of great value. I haven't seen any of those plans since I stumbled upon them years ago. Make sure whoever is your POA understands that the amount of your coverage increases the amount you (or your spouse) can keep ABOVE the medicaid limit. That's the partnershp part that's ...
by arcticpineapplecorp.
Tue Jan 15, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 163
Views: 8799

Re: Are You Dumping Netflix?

why would i dump something i get for free? My mom's cable just threw it in her bill and didn't charge extra for it (because they're overcharging her to begin with). Before you say it's stealing, it's not. We checked with netflix and she has a two screen plan so she is one screen and I'm the other. f...
by arcticpineapplecorp.
Tue Jan 15, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2723

Re: School staff threatened to call social worker

my parents took me to Israel for 3 weeks when I was 10. I remember having to do my homework assignments (that my teacher gave my parents) each evening in the hotel. I know this is kindegarten. Perhaps she can draw some pictures of what she sees in China and bring them back for the teacher. And as fo...
by arcticpineapplecorp.
Tue Jan 15, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: IOTA the new crypto?
Replies: 9
Views: 621

Re: IOTA the new crypto?

What is IOTA? what is google? What is a search bar? from https://www.iota.org/ what is IOTA? A token for the ‘Internet of Things’ By solving the inefficiencies of the Blockchain, IOTA, based on the revolutionary distributed ledger technology, the Tangle, is the missing link for the Internet of Ever...
by arcticpineapplecorp.
Sun Jan 13, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 40
Views: 3522

Re: too much college savings

And he's got some tricky medical needs that we are nervous about him managing on his own. if he has medical needs does he meet the definition for an ABLE account? If so, you might be able to transfer funds from 529 to ABLE. This article says how: https://www.able-now.com/resources/news/how-to-trans...
by arcticpineapplecorp.
Sun Jan 13, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Meanings of probability
Replies: 11
Views: 1270

Re: Meanings of probability

thanks for sharing. liked the Han Solo Reference. Surprised they didn't have one for lottery players. You know how they say you have a 1 in 300,000,000 chance of winning and the person buying the ticket says "So I have a chance!"
by arcticpineapplecorp.
Sun Jan 13, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4209

Re: How to avoid temptation to buy hot stocks or bitcoin?

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=268706#p4301540 this helps: https://us.spindices.com/spiva/#/reports the takeaway: If the majority of active funds underperfomed their benchmark index, what makes you think you can beat an index? this also helps: https://www.prudential.com/cdn/to...
by arcticpineapplecorp.
Sun Jan 13, 2019 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4685

Re: I know market timing is a fool's game but...

IlikeJackB wrote:
Sun Jan 13, 2019 9:13 pm
arcticpineapplecorp. wrote:
Sun Jan 13, 2019 2:10 pm
Ah, this was meant as a guessing game. I'll play along.

I know market timing is a fool's game but...I'm going to time the market anyway because I'm a...fool! :oops:

Who wants to go next?
we have our winner.
by arcticpineapplecorp.
Sun Jan 13, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: ID during International Travel
Replies: 14
Views: 789

Re: ID during International Travel

Clark Howard used to recommend leaving the passport in the safe at the hotel but keeping a paper copy of the passport on you. Now he recommends you just photograph the passport on your phone (but keep the original back in the hotel safe).
by arcticpineapplecorp.
Sun Jan 13, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

Attributing everything in life "fate" or "luck", is not only intellectually dishonest, its pure laziness. actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google.com/search?client=firefox-b-1-...
by arcticpineapplecorp.
Sun Jan 13, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

The friend I wrote about above who has lost over $1M cumulatively over 30 years of trading bristled when I asked about his 2018 result and he admitted to me he had a 15% loss. When I pointed out that severely underperformed a 100% index fund buy and hold, and surely a balanced fund buy and hold, hi...
by arcticpineapplecorp.
Sun Jan 13, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4246

Re: How do I stop jeans from ripping in the thighs?

no, but i think your moniker should be "thighgap" instead of "mindgap". This actually happened to me a few weeks ago and I had to go get another pair. This time I opted for the kind with elastic in the waistband, which has nothing to do with the problem you're asking about, but I never got that kind...
by arcticpineapplecorp.
Sun Jan 13, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

Attributing everything in life "fate" or "luck", is not only intellectually dishonest, its pure laziness. actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google.com/search?client=firefox-b-1-...
by arcticpineapplecorp.
Sun Jan 13, 2019 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4685

Re: I know market timing is a fool's game but...

Ah, this was meant as a guessing game. I'll play along.

I know market timing is a fool's game but...I'm going to time the market anyway because I'm a...

Who wants to go next?
by arcticpineapplecorp.
Sun Jan 13, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone beating the index instead of buying it?
Replies: 51
Views: 5046

Re: Anyone beating the index instead of buying it?

if you did, you'd be under the assumption that you must know more than the market. Do you? If you did, you'd be under the assumption that you must be better than average. Are you? If you did, and you were therefore confident you'd beat the market, wouldn't you back up the truck and put every dollar ...
by arcticpineapplecorp.
Sun Jan 13, 2019 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4685

Re: I know market timing is a fool's game but...

I tell people they shouldn't worry about timing but it's hard not to. Anyone else pausing contributions to equities or even reallocating existing money? So it's do as I say, not as I do? There are many things in life that are hard not to do but we must do them anyway. I'd love a second piece of cho...
by arcticpineapplecorp.
Sun Jan 13, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: charles schwab, fidelity and seven other banks and brokerages are planning to launch a new exchange
Replies: 6
Views: 1381

charles schwab, fidelity and seven other banks and brokerages are planning to launch a new exchange

i just read this in the paper today. didn't see it mentioned on bogleheads (did a search but couldn't find anything). feel free to merge if post already exists. https://www.google.com/search?client=firefox-b-1-ab&q=charles+schwab%2C+fidelity+and+seven+other+banks+and+brokerages+are+planning+to+launc...
by arcticpineapplecorp.
Sat Jan 12, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: Low-volatility ETFs have beaten S&P indexes while cutting risk
Replies: 12
Views: 1220

Re: Low-volatility ETFs have beaten S&P indexes while cutting risk

Similar but different. . .this post and related article: https://theirrelevantinvestor.com/2019/01/08/the-next-20-years/ "There was an article in Barron’s over the weekend, It’s Been a Rough 20 Years for Stocks. The Next 20 Should Be a Lot Better. The first part of that headline is factually correc...
by arcticpineapplecorp.
Sat Jan 12, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

I don't think picking 1 or 2 stocks is a good idea. We are in agreement there. What I am referring to as 1 or 2 big wins are things like investing in a business which can be your own (not on the stock market), investing in real estate, or your human capital. Those are the things that can help you s...
by arcticpineapplecorp.
Sat Jan 12, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4302

Re: Are REITs better to purchase when interest rates are high or low?

data back to 5/13/1996 (earliest for reit index fund admiral according to morningstar): total stock market up 515.76% (in blue below) reit index fund up 742.38% (in orange below) https://i.postimg.cc/50dc8wd7/Capture.jpg source: https://quotes.morningstar.com/chart/fund/chart.action?t=VTSAX®ion=u...
by arcticpineapplecorp.
Sat Jan 12, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

Answer to your first question. Most people aren't willing to work hard, sacrifice, be creative, go against the grain, and take risks. Two counterpoints to this illogical argument: 1. How do you explain the average hedge fund manager who underperformed the market over the past 15 years (links alread...
by arcticpineapplecorp.
Sat Jan 12, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

That lottery comparison is brought up so often on here like it's going out of style. The odds of winning the lottery is one in hundreds of millions. And you have no control over the outcome. The odds of having a big win like a very successful business or investment that makes you very rich is much ...
by arcticpineapplecorp.
Fri Jan 11, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 925

Re: "Borrowing" strategy from IRA

Hey arctic, Going thru a divorce and lawyer fees and circumstances around spouse have wiped out my emergency funds over the last several months. Had a very nice emergency fund too. :? Any thoughts on ROTH IRA dipping vs HELOC? Zach ah, sorry to hear that. Bad news on top of bad news. I do hope the ...
by arcticpineapplecorp.
Fri Jan 11, 2019 10:06 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9559

Re: Did you ever "win" big?

I've had a few winners but they were more than cancelled out by losers. +1 One of the big problems with stock picking is that if you pick 20 stocks then just by dumb luck a couple of them will do much better than the stock market. I have also gone to the horse races and bet on a dozen races and won...
by arcticpineapplecorp.
Fri Jan 11, 2019 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.
Replies: 29
Views: 5487

Re: Clueless About Personal Finance At Age 30: Grew Up Poor, Now Make $400K+. Have No Clue What To Do With Money.

these are generally the order of prioritizing investments (from the wiki): https://www.bogleheads.org/wiki/Prioritizing_investments Funding priority Here is a general account funding priority that often works well for many people (not all points will apply to everyone): Contribute to the work-based ...
by arcticpineapplecorp.
Fri Jan 11, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4580

Re: Vanguard explains the increase in ex-us allocation

I can confirm Tim said this (I watched the interview as well). He was referencing how over time the international portion of funds (like target date, lifestrategy, etc) has moved from 20% to 30% and now 40%. This has coincided with the lowering of costs to invest internationally. Thank you for clar...
by arcticpineapplecorp.
Fri Jan 11, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 925

Re: "Borrowing" strategy from IRA

I would use my emergency savings instead. Do you have emergency savings? I'd say this qualifies as an emergency if only temporarily (I hope so). You'd replenish the emergency fund with the back paychecks once received. If you don't have an emergency fund, may I ask why not? The typical advice is eve...
by arcticpineapplecorp.
Thu Jan 10, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9681

Re: Disciplined with finances, but not so with diet

I just saw an ad the other day for something new. It's called the "Virtual Gastric Band". Apparently it's hypnosis (or hypnotherapy if you prefer) for weight loss. Yes, hypnosis has been used before, but now it's been gussied up like everything else that's repackaged. I'm not recommending it and kno...
by arcticpineapplecorp.
Thu Jan 10, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Results
Replies: 11
Views: 889

Re: Backtesting Results

investing by looking backwards is like driving only looking through the rear view mirror. there are 150 portfolios (or more). See below. One of them is bound to be the best. Problem is, you'll never know until after it's already happened. https://www.whitecoatinvestor.com/150-portfolios-better-than-...
by arcticpineapplecorp.
Thu Jan 10, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4580

Re: Vanguard explains the increase in ex-us allocation

I can confirm Tim said this (I watched the interview as well). He was referencing how over time the international portion of funds (like target date, lifestrategy, etc) has moved from 20% to 30% and now 40%. This has coincided with the lowering of costs to invest internationally.
by arcticpineapplecorp.
Thu Jan 10, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9681

Re: Disciplined with finances, but not so with diet

I have nothing really to add to the good advice you've already received. One thing I heard that has motivated me is someone that said people think "I only gained 2 or 5 pounds this year...no big deal." Well, over 20 years that is 40 or 100 pounds! Paul Merriman has said on numerous occasions he's s...
by arcticpineapplecorp.
Thu Jan 10, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8380

Re: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]

Listening to interiew "Vanguard CEO Tim Buckley and Chief Investmennt Officer Greg Davis Look Ahead to 2019" Around the 21 minute mark Tim Buckley was asked a question about security and assets in one location with vanguard. He mentioned a few things Vanguard does to ensure trust. One thing he said ...
by arcticpineapplecorp.
Thu Jan 10, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9681

Re: Disciplined with finances, but not so with diet

follow the bogleheads diet: 1 Develop a workable plan 2 exercise early and often 3 Never bear too much or too little pounds 4 Diversify your diet 5 Never try to time the grocery market 6 Use low carb foods when possible 7 Keep stress low 8 Minimize calories 9 cook with simplicity 10 Stay the course ...
by arcticpineapplecorp.
Thu Jan 10, 2019 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing Roth and maxing the match - Investment help
Replies: 28
Views: 1205

Re: Maxing Roth and maxing the match - Investment help

this is the recommended order of prioritizing investments at the wiki: https://www.bogleheads.org/wiki/Prioritizing_investments Here is a general account funding priority that often works well for many people (not all points will apply to everyone): Contribute to the work-based plan (401(k), 403b,) ...
by arcticpineapplecorp.
Thu Jan 10, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5600

Re: How did you solve the pre-medicare healthcare riddle?

My current solution is one of the health sharing ministries. My friend also did this last year until she turned 65 towards the end of the year. It was a stop gap that worked for her. She found the ACA plans (even bronze) unaffordable (I know it's supposed to be capped at a certain percentage of her...
by arcticpineapplecorp.
Wed Jan 09, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need help in deciding
Replies: 6
Views: 580

Re: Need help in deciding

sorry to hear about your situation, but at least you've got enough income to support you. How many years do you have left on the mortgage? Is the pension/LTC one or two different payments? Are they adjustable (like the RSDI) or fixed? If the pension/ltd is fixed then while you have more than enough ...
by arcticpineapplecorp.
Wed Jan 09, 2019 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Talk the new guy off the 80 or 90% equities cliff!
Replies: 21
Views: 2873

Re: Talk the new guy off the 80 or 90% equities cliff!

arcticpineapplecorp! I hope I can somehow return the favor some day. I will read and re-read and then do my homework and updating, and thank you for that link! One other thing I forgot to mention that might be helpful to you to determine your risk tolerance is a quiz at Vanguard: https://personal.v...
by arcticpineapplecorp.
Wed Jan 09, 2019 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Talk the new guy off the 80 or 90% equities cliff!
Replies: 21
Views: 2873

Re: Talk the new guy off the 80 or 90% equities cliff!

I enjoyed your post. Your writing style is amusing (in a good way). It made me chuckle at times (because you seem to be taking things in stride. having a good attitude helps in life). THANKYOU everyone for all your insight; I've learned so much from this board, though you wouldn't know it by this to...
by arcticpineapplecorp.
Tue Jan 08, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4708

Re: Embarrassed to ask... dividends and Total Return

I apologize in advance for this question, but after research, still confused. I understand that in the Vanguard Total Stock Fund, for example, when dividends are reinvested, that the NAV is reduced accordingly. In other words, the investor experiences no gain in the value of the fund as a result. I...
by arcticpineapplecorp.
Tue Jan 08, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8380

Re: More Nanny State From Vanguard

While UPRO (in orange below) did better than "the market" (in blue below) the other two (in green and yellow below) underperformed back to 2009. My sources are below. Where are yours? https://i.postimg.cc/3RwftkTC/Capture.jpg source: https://quotes.morningstar.com/chart/fund/chart.action?t=VFINX&re...
by arcticpineapplecorp.
Tue Jan 08, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8380

Re: More Nanny State From Vanguard

I can understand where Vanguard is coming from, but I generally wouldn't expect this king of action from a broker. That being said, I think buying and holding leveraged ETFs long term can be very powerful if used correctly. The way to do it is through a diversified approach. Something along the lin...
by arcticpineapplecorp.
Mon Jan 07, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tech budget to fix issues
Replies: 26
Views: 1634

Re: Vanguard Tech budget to fix issues

beyou wrote:
Mon Jan 07, 2019 2:40 pm
Yes sometimes investment can be wasted, on wrong people, projects, tech, but at least Fidelity is trying and have been trying for a very long time.
"Do or do not. There is no try." -- Yoda
by arcticpineapplecorp.
Mon Jan 07, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81564

Re: Fidelity ZERO funds?

1) I'm very loyal to Vanguard, so it kind of feels wierd. I understand how you feel because I feel the same way. I've been with Vanguard since the 1990's when I started investing, and, more importantly, I know that if it were not for John Bogle and Vanguard, that neither Fidelity or Schwab or anyon...
by arcticpineapplecorp.
Sun Jan 06, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 2988

Re: Anyone affected by the government shutdown?

Sorry about my ignorance, once the shutdown is over won't everyone get paid in full for "working for free"? only those who actually required to work without pay. Others have been furloughed which means they were told not to report to work (non-essential). Those not required to report to work, aren'...
by arcticpineapplecorp.
Sun Jan 06, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81564

Re: Fidelity ZERO funds?

1) I'm very loyal to Vanguard, so it kind of feels wierd. It's funny no one has yet found it interesting that the OP says s/he's "loyal" to Vanguard without being aware that the word "fidelity" actually means "loyalty", "faithfulness", etc.: https://www.google.com/search?client=firefox-b-1-ab&q=wha...
by arcticpineapplecorp.
Sun Jan 06, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - 'Herding' Behavior?
Replies: 20
Views: 2275

Re: Index Funds - 'Herding' Behavior?

Came across this article this morning on 'Marketwatch'... "Bogle noted that broad market index funds are dominated by only three asset management firms — Vanguard, BlackRock, and State Street Global." What say you? at least there's competition (three or more choices). Would you rather have a monopo...
by arcticpineapplecorp.
Sun Jan 06, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: heads up Jim Dahle (White Coat Investing) is on The New Retirement Podcast
Replies: 0
Views: 364

heads up Jim Dahle (White Coat Investing) is on The New Retirement Podcast

Just downloading now and thought I'd mention that the White Coat Investor (James Dahle) was interviewed for The New Retirement Podcast. don't see it on the website yet (https://www.newretirement.com/retirement/topic/podcast/) or on Jim's either, but if you search itunes you'll find it: https://itune...
by arcticpineapplecorp.
Sat Jan 05, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Taming the Alpha beast!
Replies: 19
Views: 1281

Re: Taming the Alpha beast!

My difficulty is a falls under the behavioral finance category. In real life I suppose after investing in Index funds/ETF one needs to ignore the noise of the day to day movements in individual stocks, etc. In reality this is difficulty to do. This is the real issue how does one block the 'noise' o...