Search found 5027 matches

by arcticpineapplecorp.
Tue May 26, 2020 9:17 pm
Forum: Investing - Theory, News & General
Topic: 40m Unemployment Claims - I Don’t Understand Why Markets Seem To Not Care
Replies: 20
Views: 1792

Re: 40m Unemployment Claims - I Don’t Understand Why Markets Seem To Not Care

my brother asked something similar on May 8th. Here's what I told him: Here's a number of reasons (I've numbered them, entire article at link below) why the market may have moved higher today despite the high unemployment numbers. Also, Peter Orzag who was budget director under Obama and had a large...
by arcticpineapplecorp.
Tue May 26, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2834

Re: Anyone screwed up timing the market?

I got out in march, saw the market drop further and then rise, rise, rise and now, if the market doesn´t come down again, I have missed the boat :oops: Anyone else who learned not to time the market? This is about finding your tolerance for risk, as others here have noted in their examples. Focus n...
by arcticpineapplecorp.
Tue May 26, 2020 8:52 pm
Forum: Investing - Theory, News & General
Topic: 40m Unemployment Claims - I Don’t Understand Why Markets Seem To Not Care
Replies: 20
Views: 1792

Re: 40m Unemployment Claims - I Don’t Understand Why Markets Seem To Not Care

my girlfriend had to file a claim for partial (reduced hours) when this all started because her company didn't know what they were going to do. She received a partial for two weeks, but then they figured out how to get her hours with online trainings, zoom meetings and classes offered via zoom. Sinc...
by arcticpineapplecorp.
Tue May 26, 2020 3:36 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 25
Views: 1152

Re: How to avoid tinkering?

And what I like to say is that a portfolio is like a bar of wet soap, the more frequently you touch it, the less of it there is and that’s the beautiful thing about a target date fund, is it’s a bar of soap you never ever have to touch." -- William Bernstein source: https://www.newretirement.com/re...
by arcticpineapplecorp.
Tue May 26, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2834

Re: Anyone screwed up timing the market?

I got out in march, saw the market drop further and then rise, rise, rise and now, if the market doesn´t come down again, I have missed the boat :oops: Anyone else who learned not to time the market? This is about finding your tolerance for risk, as others here have noted in their examples. Focus n...
by arcticpineapplecorp.
Tue May 26, 2020 3:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2834

Re: Anyone screwed up timing the market?

I re-balanced from bonds to stocks towards the bottom to keep in line with my 70/30 AA (it had drifted to 64/36) , but then the market shot back up so I am not sure it was the right move or not. two things: 1. do you use rebalancing bands? Many use a 5% +/- in which case you wouldn't have needed to...
by arcticpineapplecorp.
Tue May 26, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2834

Re: Anyone screwed up timing the market?

Two years ago around October 2018 there was a flash crash . Sold out of VTSAX/VTIAX at a $2,000 loss (though TLH'd). Markets were up and soaring past 52 week high by February or so. I HUSTLED IT all back via credit card bonuses (not at the pool hall), so no net loss in the end (and a slight tax gai...
by arcticpineapplecorp.
Tue May 26, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2834

Re: Anyone screwed up timing the market?

Sure, I have known for a long time that timing the market is a fools errand. For the average investor, trying to capture alpha is like panning for gold in your local supermarket's runoff trench. It is important to know your limitations and not act on impulse. I think I know things all the time, but...
by arcticpineapplecorp.
Tue May 26, 2020 1:45 pm
Forum: Personal Investments
Topic: 90% VTSAX?
Replies: 14
Views: 1431

Re: 90% VTSAX?

We have significant capital gains each year due to the health care fund. I would like to minimize current and future taxes, especially investment taxes (what is NIIT?), as much as possible. I did not understand enough to tax loss harvest in March when the markets fell sharply. What should we do, if...
by arcticpineapplecorp.
Tue May 26, 2020 12:01 pm
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 58
Views: 3356

Re: How long is this profit sustainable as a New Trader?

Yes. You will make 8% every month. Which works out to ~151% per year. In a decade, you will have turned your $9211.85 into $95 million, and within 2 decades into $1 trillion. 8% a month is not 151% per yr. It is 96%. I will not be doing 8% per month much longer as I won't be risking any more than 1...
by arcticpineapplecorp.
Tue May 26, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3204

Re: Advice Needed regarding debt

be careful paying her car loan. Not saying not to do it. But if it frees up $240 a month for her to throw towards the credit cards, can you guarntee she'll actually do that and not increase her spending by $240 a month? My thoughts as well. If you (OP) do feel like helping her pay her debts is a go...
by arcticpineapplecorp.
Mon May 25, 2020 8:46 pm
Forum: Personal Investments
Topic: Looking for insight & suggestions for making money now.
Replies: 4
Views: 573

Re: Looking for insight & suggestions for making money now.

In the meantime, I want to invest the extra money and play with it to see if I can make more money. I dont want to tie up the money in investments that will take 5 years or more to see the income. I want to take some risk and see if I can make more now, but I dont know in what exactly. Can you offe...
by arcticpineapplecorp.
Mon May 25, 2020 8:27 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 18
Views: 1046

Re: Fractional Investing

is there a reason you want to buy individual stocks (albeit, fractional shares of individual stocks) instead of more diversified no-load index mutual funds?
by arcticpineapplecorp.
Sun May 24, 2020 10:01 pm
Forum: Forum Issues and Administration
Topic: Bogleheads' Reading Strategies for Boglehead Forums
Replies: 19
Views: 1123

Re: Bogleheads' Reading Strategies for Boglehead Forums

starts with the title of the post. if I'm not interested in the question, I don't go on. congratulations to you on passing the first test here. Then I read all the responses to: 1. learn from others 2. add something to the conversation that hasn't been said. I do look for certain posters whom I thin...
by arcticpineapplecorp.
Sun May 24, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: Will the US become like Japan?
Replies: 68
Views: 4943

Re: Will the US become like Japan?

anything's possible. you know the US had a lost decade not so long ago, from 2000-2009, right? source: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%...
by arcticpineapplecorp.
Sat May 23, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Questions based on Graham's book
Replies: 11
Views: 700

Re: Questions based on Graham's book

You only have two real choices: the first choice is to make a serious commitment in time and energy to become a good investor who equates the quality and amount of hands-on research with the expected return. If this isn't your cup of tea, then be content to get a passive (possibly lower) return, bu...
by arcticpineapplecorp.
Fri May 22, 2020 9:10 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4726

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I honestly wonder if this type of post is just a troll and should be ignored. Why should someone who hasn’t bothered to understand the orientation of the forum be taken seriously? because everyone needs help now and again. In 2016 the OP wrote: We have $800k now and $900k more next year with sale o...
by arcticpineapplecorp.
Fri May 22, 2020 8:59 pm
Forum: Personal Investments
Topic: Does larger portfolio make one more or less risk tolerant
Replies: 25
Views: 1948

Re: Does larger portfolio make one more or less risk tolerant

this was a question I saw early on after joining bogleheads and I found it immensely interesting because there is no right answer in and of itself. Some will obviously say if you've won the game stop playing. But others have said, if you've won the game, while you don't have to play anymore, that do...
by arcticpineapplecorp.
Fri May 22, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6955

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

Regarding Taleb's grasp on reality: I like to share Sam Harris's take on Taleb. Sam Harris is a polarizing guy in his own right, but this quote is too entertaining not to share. See it here: https://www.reddit.com/r/samharris/comments/9nnxyk/sam_harris_on_nassim_taleb/ That being said, insofar as T...
by arcticpineapplecorp.
Fri May 22, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3204

Re: Advice Needed regarding debt

be careful paying her car loan. Not saying not to do it. But if it frees up $240 a month for her to throw towards the credit cards, can you guarntee she'll actually do that and not increase her spending by $240 a month? If you can't trust her 100% then if you make this agreement, you have to have he...
by arcticpineapplecorp.
Fri May 22, 2020 8:31 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6955

Re: The Taleb Asness 'debate' in the light of Bogleheads philosophy

Taleb does not believe in the Gaussian Bell Curve.

That's the entirety of what I learned reading one of his books.

That and he seemed very smug in his writing as I recall. As if no one knew as much as he did. His tone rubbed me wrong.
by arcticpineapplecorp.
Fri May 22, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 338
Views: 23747

Re: The axe falls and I am prepared. What's next?

<<you might consider getting an IT job with the local or state government if all else fails. >> This does not work. They will go for a cheaper and younger alternative. KlangFool My condolensces on your loss. I know you've written about this many times and you've had your own pesonal experiences wit...
by arcticpineapplecorp.
Fri May 22, 2020 8:16 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4726

Re: Thinking of selling some SP 500 to buy more Wells Fargo

SP 500 has risen so much while Wells Fargo Still near it’s 5 years time low with still 50% down. While the well Fargo will never go away, So just because the phrase is buy low, sell high doesn't mean you should just buy anything that's low. If the S&P500 went up but wells hasn't in 5 years, doesn't...
by arcticpineapplecorp.
Fri May 22, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3204

Re: Advice Needed regarding debt

I'd say for the most part let the credit counselor do the heavy lifting. That's what they're getting paid for. Let them consolidate. See if they can help regarding the debt in collections/how to settle, etc. See if they can clean up her credit. See if they think it's time to claim bankruptcy. Regard...
by arcticpineapplecorp.
Fri May 22, 2020 7:24 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 23
Views: 1893

Re: One Fidelity Fund Only - Possible?

I have a limited knowledge of investing and don't enjoy the ups and downs of stock market investments. Didn't help that the oil stocks I owned took a big hit even though they were suppose to safe dividend paying stocks according to my broker and were not offset by gains in the few other stocks that...
by arcticpineapplecorp.
Fri May 22, 2020 6:58 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4054

Re: Assuming we start paying banks to hold our money (in the US)

My impression is that only LARGE accounts held by institutions get the negative interest rates while smaller retail accounts don't get negative interest rates. That is, I don't think that I will get negative interest rates, but I kinda hope so because then my bond funds should do rather well, shoul...
by arcticpineapplecorp.
Fri May 22, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6955

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

It is possible that someone can beat the market on a risk adjusted basis (if nothing else, people can get lucky). The problem is that you can not reliably do it and you cannot reliably identify anyone who can reliably do it. Trying to beat the market will most likely result in underperforming, espe...
by arcticpineapplecorp.
Fri May 22, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6955

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

It is possible that someone can beat the market on a risk adjusted basis (if nothing else, people can get lucky). The problem is that you can not reliably do it and you cannot reliably identify anyone who can reliably do it. Trying to beat the market will most likely result in underperforming, espe...
by arcticpineapplecorp.
Fri May 22, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1247

Re: Remote teaching a 15 year old [about stocks]

start w/ an assignment to watch Wall Street => Gordon Gekko rocks. :greedy Greed is good. :moneybag I heard Michael Lewis say on more than one interview that when youngins now read his hilarious and damning book "Liar's Poker" about how Wall Street really worked in the 80s, they mistake it for a ho...
by arcticpineapplecorp.
Fri May 22, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1247

Re: Remote teaching a 15 year old [about stocks]

actually I just realized bogleheads can compete with youtube: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy check out those 11 short videos (total length about an hour in total). People spend hours watching t.v. shows. If they can't take an hour to watch 11 short video...
by arcticpineapplecorp.
Fri May 22, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1247

Re: Remote teaching a 15 year old [about stocks]

i'll take a stab at it. first if you want him to think critically, you'll need to engage in the same way. to that end, when I hear you talk about you tube videos and making money fast (you mentioned that one twice) I think critically in these ways: 1. just because somethings on the television, doesn...
by arcticpineapplecorp.
Fri May 22, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: REITs and Tax Efficiency
Replies: 2
Views: 155

Re: REITs and Tax Efficiency

A. Why are REITs tax-inefficient? Does it have something to do with the way cash flows work in the business? Or the high dividends? B. Are there other market sectors that are similarly tax-inefficient? usually 90% of the profits of REITS have to be returned to investors in the form of dividends. Si...
by arcticpineapplecorp.
Fri May 22, 2020 10:35 am
Forum: Personal Investments
Topic: SEP-IRA CD
Replies: 3
Views: 153

Re: SEP-IRA CD

joyceg2797 wrote:
Fri May 22, 2020 10:26 am
So I can get a SEP-IRA CD at any bank that offers IRA CD's as long as I complete the form?
not sure. that's not what I said. I only mentioned the banks that had the best cd rates on bankrate that actually listed sep iras.

what form are you referencing?
by arcticpineapplecorp.
Fri May 22, 2020 10:27 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11388

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

no clue who Tepper (?) is. Taffer ? Trapper John ? Jack Tripper ? https://www.businessinsider.com/david-tepper-performance-2013-8?op=1 trapper john mcintyre? https://www.google.com/search?client=firefox-b-1-d&q=trapper+john+mcintyre trapper keeper? https://www.google.com/search?client=firefox-b-1-d...
by arcticpineapplecorp.
Fri May 22, 2020 10:23 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11388

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

I went all cash in my retirement plans (401a,403b,457b) based on Tepper's call last Wed, that the market is the most overvalued he's ever seen except in 1999. ... Granted that the market portfolio continues to offer the greatest reward per unit of risk, you could argue that the going "reward" just ...
by arcticpineapplecorp.
Fri May 22, 2020 9:42 am
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2354

Re: Chasing Individual Stocks

All in all I am pretty certain I will come out ahead with the strategy than if I had gone pure index funds/ETFs. This sounds like a quotation from an active fund manager. I wish you luck, but I'm glad to read that you've already given up... :beer Regards, Haha, well when you buy oil stocks for less...
by arcticpineapplecorp.
Thu May 21, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tax attorney weirdness
Replies: 40
Views: 3203

Re: Tax attorney weirdness

https://www.investopedia.com/terms/t/taxshelter.asp that site (investopedia) lists tax shelters as lots of different things, from 401ks to incorporating in Delaware and everything in between. You have to understand a few things: 1. just because something is a tax shelter doesn't mean you can use it...
by arcticpineapplecorp.
Thu May 21, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Renting house to in-laws
Replies: 22
Views: 1613

Re: Renting house to in-laws

are there potential tax consequences if you fail to charge market rent? I would assume as long as the difference is less than the yearly exemption $15,000 per person, there wouldn't be an issue. Even if it were more than that, as long as it's not more than the lifetime exemption ($11.58 million), w...
by arcticpineapplecorp.
Thu May 21, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax attorney weirdness
Replies: 40
Views: 3203

Re: Tax attorney weirdness

What exactly are you trying to do? You might be going about it wrong. I think part of the problem is I don't know except that my goal is to minimize my tax liability. So you want to know all the ways to minimize taxes? When my dad was in his 20s he went to H&R Block and they did his taxes. He read ...
by arcticpineapplecorp.
Thu May 21, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Renting house to in-laws
Replies: 22
Views: 1613

Re: Renting house to in-laws

are there potential tax consequences if you fail to charge market rent? I would assume as long as the difference is less than the yearly exemption $15,000 per person, there wouldn't be an issue. Even if it were more than that, as long as it's not more than the lifetime exemption ($11.58 million), wh...
by arcticpineapplecorp.
Thu May 21, 2020 7:20 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6067

Re: I freaked out…now what?

whodidntante wrote:
Thu May 21, 2020 6:17 pm
You must decide upon your asset allocation and buy in today, my son. That'll be ten hail Bogles and make a V across your chest on the way out.
+1
by arcticpineapplecorp.
Thu May 21, 2020 3:56 pm
Forum: Investing - Theory, News & General
Topic: In taxable, why are bond funds "discouraged" but not money market funds?
Replies: 15
Views: 1437

Re: In taxable, why are bond funds "discouraged" but not money market funds?

to the OP, did you see this link on tax efficient investing at the wiki: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement if you look halfway down that page you find: https://i.postimg.cc/x1hFs5B3/tax-efficient.jpg so bond funds may be efficient, moderately inefficient or very inefficien...
by arcticpineapplecorp.
Thu May 21, 2020 3:46 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6067

Re: I freaked out…now what?

"I'm twisted up inside but nonetheless I feel the need to say...Don't know the future but the past is getting clearer every day."

--"Rewind" by I Fight Dragons
by arcticpineapplecorp.
Thu May 21, 2020 3:42 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 50
Views: 4054

Re: Assuming we start paying banks to hold our money (in the US)

My impression is that only LARGE accounts held by institutions get the negative interest rates while smaller retail accounts don't get negative interest rates. That is, I don't think that I will get negative interest rates, but I kinda hope so because then my bond funds should do rather well, shoul...
by arcticpineapplecorp.
Thu May 21, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1770

Re: Blown Power Amplifier: Repair or Replace?

Marty McFly? https://www.google.com/search?client=firefox-b-1-d&q=marty+mcfly+blows+amplifier I heard they've been talking about a sequel for Back to the Future, but boy, that's some audition. In the meantime, I suggest you spend some time social distancing with a reunion of the cast (mostly) from B...
by arcticpineapplecorp.
Thu May 21, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Old 401(a) - any reason not to roll over?
Replies: 2
Views: 188

Re: Old 401(a) - any reason not to roll over?

https://www.removetheguesswork.com/403b-401a-457-plans-whats-difference/ is the 457b the kind that doesn't have penalties upon withdrawal (even before 59 1/2)? If so, that could be a reason to transfer it to the 457b plan. But I can't tell any reasons not to transfer it, especially if it now has fee...
by arcticpineapplecorp.
Thu May 21, 2020 2:19 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6067

Re: I freaked out…now what?

Remember that a 90% decline is just an 80% decline that falls another 50%.
by arcticpineapplecorp.
Thu May 21, 2020 2:03 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6067

Re: I freaked out…now what?

I’ve never sold on fear in my life and know better, but on 3/13 I sold 100% of my investments. I was down like 8% for year. I would be even to 2% up for the year as things stand today. My investments were about a 50/50 allocation. My logic at the time was to convert everything over to one account a...
by arcticpineapplecorp.
Thu May 21, 2020 1:52 pm
Forum: Personal Investments
Topic: SEP-IRA CD
Replies: 3
Views: 153

Re: SEP-IRA CD

looked at bankrate for best cd rates (third link below) and looks like synchrony might have one (first link below) and alliant (second link): https://www.synchronybank.com/blog/retirement-plans-for-self-employed-201/ https://www.alliantcreditunion.org/invest/sep-ira-account https://www.bankrate.com/...
by arcticpineapplecorp.
Wed May 20, 2020 8:44 pm
Forum: Personal Investments
Topic: View ETF Returns for 1 week / month
Replies: 8
Views: 346

Re: View ETF Returns for 1 week / month

Maybe Vanguard is trying to tell you something? Like, you're too focused on short term results. Regards, +1 To the OP, what are you hoping to gain from the information you seek? Do you believe to the contrary that past performance actually DOES guarantee future results? Have you read the chapter in...