Search found 3298 matches

by arcticpineapplecorp.
Wed Nov 14, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 14
Views: 776

Re: "Bogleheads On Investing" podcast stats and more

that's great Rick! Thanks for sharing the stats. Unfortunately it looks like you lost half your audience after your first interview! Of course, another way of saying it is Jack Bogle really draws a crowd like no other. Proud to be a subscriber to your podcast. Haven't listened to Jonathan Clements y...
by arcticpineapplecorp.
Wed Nov 14, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 102
Views: 5830

Re: Are you all staying the course?

I am retired, and risk-averse by temperament, and at much less than 100% stocks. I am staying the course. In particular, I am not taking any actions in response to losses in the market value of my bond funds, either. Vanguard calculates my personal rate of return to be 4% for the last three years, ...
by arcticpineapplecorp.
Tue Nov 13, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Investment advisors- is regulatory burden higher on fiduciaries?
Replies: 46
Views: 1533

Re: Investment advisors- is regulatory burden higher on fiduciaries?

it sounds like it's your issue, not your friend's. You want him to see the light which is admirable, but not necessary. If he has 5-10 million he's obviously done fine for himself without your help. Yes he will likely fritter away a third of the profit on that over the next few decades by paying the...
by arcticpineapplecorp.
Mon Nov 12, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 71
Views: 5995

Re: Vanguard investor class shares on their way out?

the institutional shares you listed for small cap value as of 6/30/18 had net outflows, but I don't see them ending institutional shares, do you?
by arcticpineapplecorp.
Mon Nov 12, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4008

Re: tipping for grocery delivery

Tipping is out of control in this country You are absolutely right. What is wrong with business owners paying their help a decent wage in the first place. Bingo. The United States of America federal government requires a wage of at least $2.13 per hour be paid to employees that receive at least $30...
by arcticpineapplecorp.
Mon Nov 12, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 82
Views: 6009

Re: Granddaughter needs $ help for university

you should never co-sign for the reason that welldone stated, namely, if she doesn't pay on time it will adversely affect your credit and you won't know about it until it's too late. It would be better to do one of two things if you have the resources to pay the $15,000: You could just give her $15,...
by arcticpineapplecorp.
Mon Nov 12, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 818

Re: Financial Engines thru Vanguard

fyi the original founder of financial engines was William Sharpe
source: https://www.google.com/search?q=who+sta ... fox-b-1-ab

I believe it was sold off and I don't believe he's associated with it anymore.
by arcticpineapplecorp.
Sun Nov 11, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6022

Re: How to stop junk mail for a deceased person

Clark Howard recommends using www.optoutprescreen.com to stop any junk mail from coming. He didn't talk about it for a deceased person, but more to stop junk mail/credit card offers from going to old addresses (where someone could sign up as you. creeps). But I wouldn't know why it wouldn't achieve ...
by arcticpineapplecorp.
Sun Nov 11, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.
Replies: 20
Views: 1160

Re: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.

so is the mistake in your favor? i.e., do you have more shares than you expected because of the 4 decimal places? If so, no need to complain.
by arcticpineapplecorp.
Sun Nov 11, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.
Replies: 20
Views: 1160

Re: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.

how much in dollar terms was the difference of your transfer? pi is not 22/7 ok? it's 3.14? ho much of a difference monetarily are we talking about? I think if it's a large amount of money that is not in your favor, you'd be able to take that up (the difference) with fidelity, no? The difference in...
by arcticpineapplecorp.
Sun Nov 11, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Paycheck in retirement
Replies: 5
Views: 1970

Re: Paycheck in retirement

First, I'm nowhere near retirement so, no I don't use that fund. Second, I wouldn't because you usually can only buy DFA through an advisor who's been vetted by DFA. That's going to add an extra layer of cost that I want to avoid (usually around 1%, could be a little less). There are some exceptions...
by arcticpineapplecorp.
Sun Nov 11, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.
Replies: 20
Views: 1160

Re: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.

how much in dollar terms was the difference of your transfer? pi is not 22/7 ok? it's 3.14? how much of a difference monetarily are we talking about? I think if it's a large amount of money that is not in your favor, you'd be able to take that up (the difference) with fidelity, no? The difference i...
by arcticpineapplecorp.
Sun Nov 11, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth IRA
Replies: 7
Views: 512

Re: Help with Roth IRA

is there a reason you want U.S. only and no international (even though you had 8% in emerging markets)? How did you come to originally put those percentages in the emerging market funds anyway? If you're with Fidelity, why wouldn't you go with the zero fund(s) if they won't cost you anything? In add...
by arcticpineapplecorp.
Sun Nov 11, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3529

Re: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

thanks everyone for your responses, thoughts on the matter and various links. You've given me some answers to this question and/or other places to search if needed.
by arcticpineapplecorp.
Sat Nov 10, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?
Replies: 19
Views: 3529

Does anyone know why SSA has to be notified if you go outside the USA for 30 consecutive days or longer?

I just read Lawrence Kotlifoff's "Get What's Yours" (yes I know some things regarding file and suspend have changed) but at the end of the book he and his co-authors talk about changes that must be reported to SSA. They all make sense to me (address change, work changes, citizenship, etc) but one of...
by arcticpineapplecorp.
Sat Nov 10, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer service
Replies: 12
Views: 1666

Re: Vanguard customer service

Recently opened account for my 5013c with the objective of putting $ in vanguard prime MM and after long conversations with several vanguard employees and telling them my plan,i now find out that the fund is unavailable to me. I CANNOT BELIEVE how uninformed these people are. I have heard nothing b...
by arcticpineapplecorp.
Sat Nov 10, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4008

Re: tipping for grocery delivery

Tipping is out of control in this country You are absolutely right. What is wrong with business owners paying their help a decent wage in the first place. Bingo. The United States of America federal government requires a wage of at least $2.13 per hour be paid to employees that receive at least $30...
by arcticpineapplecorp.
Sat Nov 10, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: November "Bogleheads On Investing" podcast with guest Jonathan Clements
Replies: 18
Views: 2311

Re: November "Bogleheads On Investing" podcast with guest Jonathan Clements

I've always used 30% international equity and 70% US equity as my middle-of-the-road allocation (for US investors). That split has historically worked well in the long-term. Rick Ferri looking forward to this one. Great job so far Rick. I'm wondering why folks are so surprised by a 50% allocation o...
by arcticpineapplecorp.
Sat Nov 10, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 21
Views: 1781

Re: Admiral share class for total world stock

If you prefer to stick to mutual fund shares, consider a mix of Vanguard Total Stock Market Index Admiral VTSAX er=0.04% plus Vanguard Total International Stock Admiral VTIAX er=0.11%. The weighted average expense ratio of these two funds should be lower than the 0.10% expense ratio of the Total Wo...
by arcticpineapplecorp.
Sat Nov 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 21
Views: 1781

Re: Admiral share class for total world stock

the fund costs 0.19%
https://investor.vanguard.com/mutual-fu ... file/VTWSX
the ETF costs 0.10%
https://investor.vanguard.com/etf/profile/vt
Buy the ETF instead of the Fund (VT)

As to when they will offer admiral shares, I don't know.
by arcticpineapplecorp.
Sat Nov 10, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 56
Views: 5742

Re: Strategy during the last stock market decline

Greetings, Bogleheads! I confess that I do not recall the last significant stock market decline (-25%) we experienced (maybe 2007?). You don't recall the -50% decline of the Great Recession in 2009, the worst since 1929? :shock: I guess you're both sorta right. The Great Recession started December ...
by arcticpineapplecorp.
Sat Nov 10, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: A few asset allocation questions
Replies: 10
Views: 998

Re: A few asset allocation questions

It does help. Thanks for taking the time to write it. This thread is really just a continuation of one I started about two years ago.https://www.bogleheads.org/forum/viewtopic.php?f=10&t=200167&p=3065260#p3065260 You helped me out then too. About six months ago I decided to switch to a balanced por...
by arcticpineapplecorp.
Fri Nov 09, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 16
Views: 1133

Re: Bond prices vs yields

what do you want to know exactly? Bond prices and interest rates on bonds are inversely related. When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. It's way more complicated than that. But maybe read up on the point of indifference: https://www.bogleheads.org/for...
by arcticpineapplecorp.
Fri Nov 09, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 3996

Re: 401k Removed Index Funds

Thrifty Femme wrote:
Fri Nov 09, 2018 5:05 pm
How to campaign for a better 401(k) plan might help.
+1

I was going to post that link to the wiki but Thrifty Femme beat me to it!
by arcticpineapplecorp.
Fri Nov 09, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 3996

Re: 401k Removed Index Funds

I vote that she go. I must disclose that I work in HR (I know, I know...). I would stick to the talking point of choice for the participants. You could refer to satisfying fiduciary responsibility - here's an article that might help? https://www.employeefiduciary.com/blog/401k-index-funds-make-redu...
by arcticpineapplecorp.
Fri Nov 09, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Ron Baron Claims He Beats the Markets
Replies: 8
Views: 1146

Re: Ron Baron Claims He Beats the Markets

read his results here (article by Mark Hebner from 2017). It tracks turnover, survivorship bias, performance, etc. start of article: https://seekingalpha.com/article/4099300-baron-funds-deeper-look-performance his performance: https://seekingalpha.com/article/4099300-baron-funds-deeper-look-performa...
by arcticpineapplecorp.
Fri Nov 09, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2451

Re: Stock markets not at all time highs

Nigeria's a screaming buy! doesn't look like it's part of the total international stock market index fund though (link below, scroll down to "market allocation, % of common stock"): https://investor.vanguard.com/mutual-funds/profile/portfolio/vtiax Next farthest fallen market from all time high is G...
by arcticpineapplecorp.
Fri Nov 09, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 1598

Re: Best Finance/Stock Market Films

index funds the movie: https://www.ifa.com/indexfundsthemovie/ The great retirement gamble (pbs): https://www.pbs.org/video/frontline-retirement-gamble/ Niall Ferguson's The Ascent of Money, 4 parts/4 hours (also read the book, excellent) at pbs and on youtube: https://www.pbs.org/wnet/ascentofmoney...
by arcticpineapplecorp.
Thu Nov 08, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: A few asset allocation questions
Replies: 10
Views: 998

Re: A few asset allocation questions

very interesting questions and very interesting scenario. There are different ways to look at risk (inflation risk vs. market risk are the two you're concerned about). There are different ways to look at asset allocation. Risk first -- I think inflation is a more intangible form of risk especially w...
by arcticpineapplecorp.
Thu Nov 08, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with 403b and 457 $$
Replies: 2
Views: 328

Re: what to do with 403b and 457 $$

yes, she should roll it over into an IRA. Many plans don't allow small balances to remain and will cash you out. Just because they cash you out doesn't mean you can't contribute what they send you to an IRA, but to avoid the penalties you would have to replace the tax money that was withheld (add th...
by arcticpineapplecorp.
Wed Nov 07, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10512

Re: This man can predict when bubbles burst: time to time the market?

...But are you prepared for stocks to drop by almost 90% and bonds to drop by 50%, as happened during the Great Depression?... Bonds didn't "drop by 50% during the Great Depression." Nothing remotely like that happened. These are cumulative total return data, based on the 2015 Ibbotson SBBI Classic...
by arcticpineapplecorp.
Wed Nov 07, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds Expense Ratios
Replies: 6
Views: 806

Re: Index Funds Expense Ratios

i answered a similar question with regards to a TD2055 fund (there are some differences, this fund has 4 funds and your TD Retirement Income has 5 funds) but the concept is similar. Read here to see what the difference would be between holding the funds separately (that make up the TD 2055 fund) and...
by arcticpineapplecorp.
Wed Nov 07, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3958

Re: 426% return if there is a recession in 2019?

I'm wondering if there's an incorrect interpretation or something because you're saying if there IS a recession "in 2019 you can make a 426% return..." but if there ISN'T a recession in 2019 you'd make 23%???? Isn't that heads I win, tails you lose. How can there not be a losing bet? You're saying ...
by arcticpineapplecorp.
Wed Nov 07, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…
Replies: 14
Views: 1845

Re: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…

I suspect the selling (in the last "crash" that sort of rolled back today) started with big money managers such as operate actively run mutual funds or pension funds,then when the news flashes "Big Dow Drop" the millions of small investors start to get into the action like a flock of pigeons swarmi...
by arcticpineapplecorp.
Wed Nov 07, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 3958

Re: 426% return if there is a recession in 2019?

For all you bears out there who have a fun money fund, I found something interesting. If you believe there will be a recession in 2019 you can make a 426% return (minus 5% upon withdrawal). PredictIt is a legal betting website run by a university. I have always followed this website since I find it...
by arcticpineapplecorp.
Wed Nov 07, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3111

Re: Mid and Small Caps?

did a search for Mel's Unloved Midcaps (Mel Lindauer that is) and found this:

https://www.google.com/search?sitesearc ... ed+midcaps

happy reading!
by arcticpineapplecorp.
Wed Nov 07, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…
Replies: 14
Views: 1845

Re: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…

Who wins during these times? good questions. I didn't see this question answered specifically other than WhiteMaxima. That is one explanation (Wall Street is "smart money" and main street is "dumb money") but I don't think it's the only answer. There's a difference between a company like Enron whic...
by arcticpineapplecorp.
Wed Nov 07, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10512

Re: This man can predict when bubbles burst: time to time the market?

" Those who have knowledge, don't predict. Those who predict, don't have knowledge." -- Lao Tzu

“It is very hard to predict, especially the future.” -- Niels Bohr
by arcticpineapplecorp.
Tue Nov 06, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10512

Re: This man can predict when bubbles burst: time to time the market?

I suffer from anxiety and I am afraid of huge losses in my investments. Taleb shows that extreme events are possible and losses in the stock market can be much higher than the bell curve predicts. So I am looking for ways to manage my anxiety in this, including by researching serious methods of ris...
by arcticpineapplecorp.
Mon Nov 05, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2762

Re: How many eggs in one basket?

If a company is "owned by Wall Street" then I am one of the owners because Total Stock is 50 percent of my investment portfolio. I'm happy to have an account at Charles Schwab, especially since I am indirectly one of the owners. If my IPS didn't prohibit me from buying individual stocks, Charles Sc...
by arcticpineapplecorp.
Sun Nov 04, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2630

Re: Bond prices drop but their yields go up??

to confirm what patrick wrote, the total bond market index fund performance YTD is -2.69% :

Image
by arcticpineapplecorp.
Sun Nov 04, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Name the Top 5 investment books you've read
Replies: 46
Views: 11049

Re: Name the Top 5 investment books you've read

um...correct me if I'm wrong but this post was originally written in 2007. So I would think the OP already purchased his/her Christmas books for his/her friends 11 years ago. Day late (or 11 years) and a dollar short, I'd say. However, if the OP is still a member of bogleheads could you respond to w...
by arcticpineapplecorp.
Sun Nov 04, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2762

Re: How many eggs in one basket?

does this answer your question: https://www.bogleheads.org/wiki/Vanguard_safety from the link above (What if Vanguard went broke): What if Vanguard went broke? The following explanation was posted by Mel Lindauer:[1] "This is a very serious and timely issue, so I'll address it to hopefully set every...
by arcticpineapplecorp.
Sun Nov 04, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: RMDs and taxes
Replies: 28
Views: 2730

Re: RMDs and taxes

there was a post on bogleheads here: https://www.bogleheads.org/forum/viewtopic.php?t=63536 this is one of James Lange's books (The Roth Revolution): https://jameslange.com/the-roth-revolution/ he has a new book, The $214K mistake https://paytaxeslater.com/the-214k-mistake-audio-book/?inf_contact_ke...
by arcticpineapplecorp.
Sun Nov 04, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7693

Re: How low can BND go?

since the topic of inflation has come up with regards to bonds, I find it helpful to refer back to this post that shows how the total bond market index fund has done with respect to inflation since 1976: https://www.bogleheads.org/forum/viewtopic.php?t=110077 That post does not really show "how the...
by arcticpineapplecorp.
Sun Nov 04, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5936

Re: WSJ: Sometimes, It’s Bonds For the Long Run

Starting yield matters when it comes to bond returns. It matters with everything. Equities too. Sure, but I don't think equities are that overvalued. Especially if you look at a globally diversified portfolio and take into account current interest rates. Not so sure I'm totally with you on that. To...
by arcticpineapplecorp.
Sun Nov 04, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7948

Re: Teaching kids there is an ample amount of money

very interesting discussion. Couple thoughts: I (along with Meb Faber) remember these two William Bernstein quotes: And there’s two quotes from your books that I love, particularly you are fondly speaking about your parents, and one where you said your dad had made a quote where you say, “Your neigh...
by arcticpineapplecorp.
Sun Nov 04, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5007

Re: Are Bond Funds Really a Good Investment Now?

They're a better investment than a year ago. Share prices are lower and yields are higher. Stop looking at recent performance and stop trying to time the market. Put together a sensible allocation and investing plan, then stick to it. What's wrong with using one's judgment to time the market? Am I ...
by arcticpineapplecorp.
Sun Nov 04, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7693

Re: How low can BND go?

since the topic of inflation has come up with regards to bonds, I find it helpful to refer back to this post that shows how the total bond market index fund has done with respect to inflation since 1976:

viewtopic.php?t=110077