Search found 2914 matches

by arcticpineapplecorp.
Sun Jul 22, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 41
Views: 1805

Re: Where to go next? 24, grad student, pepsi, roth etc

Randy ... I've noticed your posts since your first. You're up to 128 and they all are concerned with where to put your money and what to do with your Pepsi. You've had many great suggestions on investments. You don't need to invest in something different each year or each time you receive new dolla...
by arcticpineapplecorp.
Sat Jul 21, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 1824

Re: Credit Card - Keep Getting Denied

...American Express is the only major issuer of consumer charge cards in the US... Ah, merchants hate AmEx -- and users of their cards. Agreed about rewards -- but those are hit or miss and I think they incent more spending than dollars returned. They're not dummies, these banks. I guess I meant ap...
by arcticpineapplecorp.
Sat Jul 21, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 1824

Re: Credit Card - Keep Getting Denied

alex11 wrote:
Sat Jul 21, 2018 6:25 pm
Have you checked with him to make sure he doesn't have a freeze in place with any of the credit bureaus?
that would have no effect on the credit score. If it did, nobody would place a freeze. I have frozen my credit and my score is and has been high before and since I've frozen it.
by arcticpineapplecorp.
Sat Jul 21, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Ways to minimize dust when sanding
Replies: 9
Views: 592

Re: Ways to minimize dust when sanding

I hold a dustpan right against the wall but underneath the area I'm sanding. That usually catches most (but not all) of the dust.
by arcticpineapplecorp.
Sat Jul 21, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 30
Views: 3018

Re: I dont know how to spend money

You don't have to spend money to have a fulfilling life. Volunteers are needed all the time. Give back to your community and you will feel like you're spending your time valuably. Time is our most precious resource so spend it wisely. Then if you have more money than you need, you can always give th...
by arcticpineapplecorp.
Sat Jul 21, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 1824

Re: Credit Card - Keep Getting Denied

Thanks for the info! One problem he’s having with the charge card is that it shows good payment history, but no utilization. yes, but low utilization shouldn't be the problem. Your credit gets dinged by utilizing more than 30% of your available credit. I use like 1% and have a high credit score so ...
by arcticpineapplecorp.
Sat Jul 21, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 41
Views: 1805

Re: Where to go next? 24, grad student, pepsi, roth etc

2. Well the VASGX right now is not a retirement fund, it is a fun I put extra money in to try and generate a few extra bucks. I have my rothIRA right now that I want to try and contribute max to every year, plus when I get my career, I plan on starting a 401k with whatever company I am going to be ...
by arcticpineapplecorp.
Sat Jul 21, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 1824

Re: Credit Card - Keep Getting Denied

not sure you have this right. The main difference between a charge card and a credit card is one has to be paid off each month (the former) while the other can carry a balance over time (the latter). Other than that, they both report to credit agencies so the fact he carries no balance because he ha...
by arcticpineapplecorp.
Sat Jul 21, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Learning the Boglehead way
Replies: 4
Views: 376

Re: Learning the Boglehead way

that sounds pretty reasonable. You could just start at "Getting Started":

https://www.bogleheads.org/wiki/Getting_started

That's free!
by arcticpineapplecorp.
Sat Jul 21, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 41
Views: 1805

Re: Where to go next? 24, grad student, pepsi, roth etc

Thank you very much for your thoughtful input. I would not be this many shares of pepsi right now because I personally dont think it has a super bright future. I think it will still go up some more this summer but there will be a point where it dips again and I want to try to sell before that point...
by arcticpineapplecorp.
Sat Jul 21, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 41
Views: 1805

Re: Where to go next? 24, grad student, pepsi, roth etc

good advice by chevca. I'll only add a thought or two: 1. what the person who gave you the stock wants or thinks about pepsi is irrelevant to you. It was a gift. When someone gives you a gift it's yours now, not theirs. So what they want has no bearing on anything. You can't control what you give aw...
by arcticpineapplecorp.
Sat Jul 21, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: CDARS
Replies: 1
Views: 178

Re: CDARS

here's some posts to read up on at bogleheads. I used the search bar at the top right corner and found this: https://www.google.com/search?sitesearch=bogleheads.org&q=cdars the bogleheads wiki has this info: If you have large amounts of money to invest in CDs, you should investigate the private CDAR...
by arcticpineapplecorp.
Sat Jul 21, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 66
Views: 7958

Re: I may have understood why it's so hard to save and invest

Thanks for all your answers, fortunately I am only 24 so I have time for my money to compound ! Just difficult to see my friend spending money on clothes, holidays and me buying shares of S&P500 ETFs ahah You could change your perspective. You shouldn't regret your friends spending money on clothes...
by arcticpineapplecorp.
Fri Jul 20, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 30
Views: 3018

Re: I dont know how to spend money

interesting situation. I think there have been similar posts in the past. In fact I used the search bar at bogleheads and came up with this: https://www.google.com/search?sitesearch=bogleheads.org&q=not+wanting+to+spend+money Maybe start with those posts and see what gems of wisdom you get. If you d...
by arcticpineapplecorp.
Thu Jul 19, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 66
Views: 7958

Re: I may have understood why it's so hard to save and invest

Sometimes a picture is worth a 1000 words. This picture was copied from Michael Kitces' article, “Is 'Save For Decades, Then Quickly Double Your Money And Retire' Your (Unintentional) Retirement Advice!?” source: https://www.kitces.com/blog/is-save-for-decades-then-quickly-double-your-money-and-reti...
by arcticpineapplecorp.
Wed Jul 18, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: High Crypto Allocation
Replies: 37
Views: 2884

Re: High Crypto Allocation

Is your friend John McAfee?

https://bircoin.top/
by arcticpineapplecorp.
Wed Jul 18, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 7
Views: 957

Re: Roth conversion

But I'm still not understanding how $50,000 in additional income would result in $14,000 additional taxes. That's a 28% tax and I don't see any 28% tax on the tax brackets I mentioned. Are you sure it would cost $14,000 in additional taxes? Are you married? If so, the numbers below are incorrect and...
by arcticpineapplecorp.
Tue Jul 17, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 7
Views: 957

Re: roth conversion

I will be 70 1/2 July 2019. I can convert $50,000 of pre tax IRA to ROTH IRA this year increasing my tax bracket by 2% based on the 2018 tax law. If I do not convert this $50,000 my taxes will be approx. $10,000 converting this $50,000 will cost $24,000 in taxes for this year. I think it would be b...
by arcticpineapplecorp.
Tue Jul 17, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Exponential ETFs Podcast with Rick Ferri and Josh Brown
Replies: 4
Views: 724

Re: Exponential ETFs Podcast with Rick Ferri and Josh Brown

so after clicking the link to go the podcast, I scroll down and up pops this: https://s33.postimg.cc/4anfb05pr/Capture.jpg So I've gotta ask you Rick...what do you think about reverse-cap-weighted indexing? Because while it may be standard boilerplate language, this is what the owners of exponential...
by arcticpineapplecorp.
Tue Jul 17, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2480

Re: When to invest 100000?

So you won't invest if the market falls by 20% because you're waiting for the market to fall 35%-50%? Have you thought this through? Do you know how many times the market has fallen by 35%-50% since the 1920s? http://www.businessinsider.com/illustration-of-bull-and-bear-markets-2014-12 That's right....
by arcticpineapplecorp.
Mon Jul 16, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: flowchart from Kitces.com for backdoor roths
Replies: 4
Views: 993

flowchart from Kitces.com for backdoor roths

thought this might be helpful since there tend to be questions about backdoor roths. It's a flowchart to show if you're eligible or not. Hope you find it useful:

https://www.kitces.com/flow-chart-for-m ... n-in-2018/
by arcticpineapplecorp.
Sat Jul 14, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Helping parent invest small windfall near retirement
Replies: 14
Views: 1040

Re: Helping parent invest small windfall near retirement

there's a post called "managing a windfall" which may be helpful: https://www.bogleheads.org/wiki/Managing_a_windfall Generally target date retirement funds are recommended because they're a fairly complete (stocks, bonds mostly, some real estate) and automatic solution (rebalance and reduce risk ov...
by arcticpineapplecorp.
Thu Jul 12, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9482

Re: When does frugal cross the line to cheapskate?

since she was mentioned in a recent thread I'll say Hetty Green. Read why here: https://en.wikipedia.org/wiki/Hetty_Green Green's stinginess was legendary. She was said never to turn on the heat or use hot water. She wore one old black dress and undergarments that she changed only after they had bee...
by arcticpineapplecorp.
Thu Jul 12, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11563

Re: COMING SOON: BOGLEHEADS PODCASTS

Miriam2 wrote:
Thu Jul 12, 2018 6:29 pm
Herekittykitty wrote: Bogleheads Podcast
Yes, simple and says it all - The Bogleheads Podcast

Then there can be our subtitle - "Investing Advice Inspired by Jack Bogle"

Why complicate our podcast?
I'm good with this one too! Keep it simple (and consistent) across platforms.
by arcticpineapplecorp.
Thu Jul 12, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11563

Re: COMING SOON: BOGLEHEADS PODCASTS

WorkToLive wrote:
Thu Jul 12, 2018 4:25 pm
Bogleheads: Do It Yourself Investing
I like this one too!
by arcticpineapplecorp.
Thu Jul 12, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11563

Re: COMING SOON: BOGLEHEADS PODCASTS

oldzey wrote:
Thu Jul 12, 2018 4:32 pm
Rick-rolling with the Bogleheads.
hilarious! Also loved:

WannabeAgAlum's "Bogley McBogleface"

Classic.
by arcticpineapplecorp.
Thu Jul 12, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 351
Views: 11563

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Investing made simple. My vote is for this one, but that might only work if Mike Piper agrees. "Investing made simple" is the name of a book that Mike Piper wrote and when you type that in to google it links you to Mike's site, www.obliviousinvestor.com https://www.google.com/search?q=i...
by arcticpineapplecorp.
Thu Jul 12, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26325

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

Equity indexed, to be precise. You know the kind...where you get "the stock market return with none of the risk". Don't get too excited when they show you the chart comparing their equity indexed annuity's performance with the S&P500...spoiler alert: the chart they show you of the S&P500 index fund...
by arcticpineapplecorp.
Wed Jul 11, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why is capital one's 18 month CD paying less than their 12 month CD and so on?
Replies: 6
Views: 1183

Why is capital one's 18 month CD paying less than their 12 month CD and so on?

Looking at CD rates and bankrate listed capital one as having some of the highest rates. So I went to their site: https://www.capitalone.com/cds/online-cds/disclosures/ https://www.capitalone.com/bank/cds/online-cds/?external_id=360b_CD_DIS_20583460_639679_211858729_0 And I'm wondering why the 12 mo...
by arcticpineapplecorp.
Wed Jul 11, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26325

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

Equity indexed, to be precise. You know the kind...where you get "the stock market return with none of the risk". Don't get too excited when they show you the chart comparing their equity indexed annuity's performance with the S&P500...spoiler alert: the chart they show you of the S&P500 index fund...
by arcticpineapplecorp.
Tue Jul 10, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3879

Re: Dow 40000 prediction for 2025

Here's a thought that nobody's mentioned yet: The Dow is comprised of 30 stocks (see which ones here: https://money.cnn.com/data/dow30/). Question is: Do you own just those (and only those, none other) 30 stocks? If not, then what does it matter what the Dow (30 U.S. large cap only stocks) does betw...
by arcticpineapplecorp.
Mon Jul 09, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I exchange total bond market for stable value fund
Replies: 13
Views: 1088

Re: Should I exchange total bond market for stable value fund

read up on what's called the "point of indifference" following a rise (or subsequent rises) in interest rates. There's a helpful chart that illustrates the concept here: https://www.bogleheads.org/forum/viewtopic.php?t=120947 a note to the moderators...I thought that chart by Electron in the post li...
by arcticpineapplecorp.
Sun Jul 08, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: How did Druckenmiller achieve a positive return in 2008?
Replies: 14
Views: 1746

Re: How did Druckenmiller achieve a positive return in 2008?

Another thing to note is that Wellesley's bonds are biased towards corporate bonds anyway, not Treasuries. Corporates didn't do as well in 2008 I think. Well the vanguard intermediate corporate bond index wasn't around in 2008. https://investor.vanguard.com/mutual-funds/profile/vicsx It only starte...
by arcticpineapplecorp.
Sun Jul 08, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]
Replies: 13
Views: 2386

Re: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]

These are good funds, they're the predecessor to the target date retirement funds. I only knew about them because when I started investing, other than the vanguard balanced index fund, these were the asset allocation funds that were available (the target date funds weren't created yet). Interestingl...
by arcticpineapplecorp.
Sun Jul 08, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: How did Druckenmiller achieve a positive return in 2008?
Replies: 14
Views: 1746

Re: How did Druckenmiller achieve a positive return in 2008?

If you had a large enough bond allocation, especially treasuries, it could have happened. Vanguard wellesley income did not lose money from year end to year end during that stretch . The key is comparing year end to year end. Vanguard intermediate treasuries was up about 10% in 2008. Yes, vanguard ...
by arcticpineapplecorp.
Sun Jul 08, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: How did Druckenmiller achieve a positive return in 2008?
Replies: 14
Views: 1746

Re: How did Druckenmiller achieve a positive return in 2008?

Ben Carlson (who I think is one of the best writers out there on the subject of investing) put it best: "You Are Not Stanely Druckenmiller" http://awealthofcommonsense.com/2016/11/you-are-not-stanley-druckenmiller/ I think these are the four best takeaways from the article: The thing you have to und...
by arcticpineapplecorp.
Sun Jul 08, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5628

Re: Girls and investing

au con·traire I wouldn't call it an "absolutely' terrible idea. I think an individual stock on a brand that a kid can touch and feel provides a momentum and a literal, tangible expression of what a share of stock means. Watching snail walk or paint dry (indexing) that takes months and years is not ...
by arcticpineapplecorp.
Sun Jul 08, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5628

Re: Girls and investing

one other thought, from Clark Howard I just remembered: When his kids were little he'd take them shopping and he made a deal with them. The deal was when they wanted an item (say a name brand sugary cereal) he would show them the price and then say if you can find the lowest price similar item (stor...
by arcticpineapplecorp.
Sun Jul 08, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5628

Re: Girls and investing

Thank you for all the thoughtful answer. What do YOU think could pique the young girl's mind? How would you incentivize the process to make it fun for them???? 1. If she has a savings account or you can help her set one up, do a mommy matching fund. If she agrees to save X dollars (of her allowance...
by arcticpineapplecorp.
Sun Jul 08, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor for a Little Bit/One Quarter
Replies: 7
Views: 841

Re: Financial Advisor for a Little Bit/One Quarter

Thanks for following up here. Yes, it's related, I haven't quite resolved what is happening with my relationship. For the most part, just want to be relatively protected for now. In the meantime, I haven't had a chance to discuss with a newer attorney. But I really want to get it resolved in the ne...
by arcticpineapplecorp.
Sat Jul 07, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5628

Re: Girls and investing

on a basic level you could teach some introductory concepts along the following lines: 1. have her set up a savings account and track the interest earned. Ask her why and how the account earns interest. This will explain future value concepts : money today is more valuable than money a year from now...
by arcticpineapplecorp.
Sat Jul 07, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor for a Little Bit/One Quarter
Replies: 7
Views: 841

Re: Financial Advisor for a Little Bit/One Quarter

what are you looking for exactly that wasn't answered here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=248192&p=3982938#p3982938 Have you sold the single stock yet or not? Is the single stock the entire $500,000? Account is worth about $500,000 right now in a taxable brokerage account. It'...
by arcticpineapplecorp.
Fri Jul 06, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 1829

Re: Active Management Justification

excellent point venkman. Remember happysteward that most brokers are not fiduciaries. Therefore they do not have to act in your best interest. They merely have to sell you a product that is "suitable" (the suitability standard, not the fiduciary standard). When you understand this, you should immedi...
by arcticpineapplecorp.
Fri Jul 06, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 912

Re: Teaching local communities how to save/invest

congratulations. A very worthy goal I've often thought about myself, but more for when I have the time (retirement). I do volunteer for VITA (tax preparer) so I do second that recommendation. I do it through the United Way. But enough about me... Paul Merriman is a retired financial adivsor. He had ...
by arcticpineapplecorp.
Fri Jul 06, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3446

Re: Anyone hear of or invest in Rich Uncles?

just looked at the annual report for the Vanguard REIT index fund: https://retirementplans.vanguard.com/pe/pdfs/q1230.pdf?cbdForceDomain=false Didn't see Rich Uncles in the lineup of real estate companies there. Didn't see it listed between Rexford Industrial Realty and RLJ Lodging Trust. Also don't...
by arcticpineapplecorp.
Fri Jul 06, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11055

Re: SS taken at 62 vs. 70, but measured from 70+

But that quote is taken out of context because there's much more of importance to the quote (some of which has been mentioned in the thread above by various posters who are true mensches (people of integrity and honor) especially when it concerns the welfare of their lower earning surviving spouse,...
by arcticpineapplecorp.
Fri Jul 06, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 1829

Re: Active Management Justification

For those following this thread with interest this article written by Larry was very helpful in my thinking and addresses my original question with data...I hope it is helpful to others... By the way other answers on this thread were extremely helpful as well, Bogleheads is awesome.... http://www.e...
by arcticpineapplecorp.
Thu Jul 05, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3446

Re: Anyone hear of or invest in Rich Uncles?

I got a pitch to start an investment in Rich Uncles. They claim to be an online REIT backed by student housing properties and claim a dividend rate of 8%. You have your money locked up for a period of 3 years, and can start off with an investment of $5 and up. It sounds like a good rate of return, ...
by arcticpineapplecorp.
Thu Jul 05, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogus PayPal Debt Collection Letter
Replies: 2
Views: 365

Re: Bogus PayPal Debt Collection Letter

sounds like identity theft (attempt) here's some info: https://www.paypal-community.com/t5/About-Protections/Collection-Scam/td-p/925843 maybe someone used your address, one person wrote: I then telephone American Coradius international and discovered someone had opened a PayPal account using my add...