Search found 4150 matches

by arcticpineapplecorp.
Tue Jul 16, 2019 7:41 pm
Forum: Personal Investments
Topic: Counseling a Colleague About Their Financial Advisor
Replies: 11
Views: 812

Re: Counseling a Colleague About Their Financial Advisor

A colleague was chatting with me and mentioned she and her husband are thinking about changing financial advisors. I don’t have all the details, but it appears the advisor charges a fee of 1% of their assets. He doesn’t hold or manage their assets, he just gives advice. My colleague mentioned she u...
by arcticpineapplecorp.
Tue Jul 16, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return filed 4/3/19, still no refund received. How screwed am I?
Replies: 29
Views: 4015

Re: Tax return filed 4/3/19, still no refund received. How screwed am I?

Just as an update, in case anyone finds this thread through Google, my own refund finally came through just now (in mid July after filing at the start of April). Although I'd entered everything correctly into TurboTax and have documentation to back it all up, the mere idea of an IRS audit can be a ...
by arcticpineapplecorp.
Sun Jul 14, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 73
Views: 6309

Re: No A/C in Office [not a safe work environment]

bhsince87 wrote:
Sun Jul 14, 2019 8:33 pm
In the meantime, I'd show up in shorts, tanktop, and flip flops, with one of those little fan and mist bottle things.
or come in wearing a speedo and see how quickly things get corrected :shock:
by arcticpineapplecorp.
Sun Jul 14, 2019 9:08 pm
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 5857

Re: Will you buy Total Bond with a negative yield?

but international bonds (some countries of which have negative yields) have done better than U.S. total bond fund this year so far:

total U.S. bond index +5.72%
total international bond index +6.16%

source:

Image
by arcticpineapplecorp.
Sun Jul 14, 2019 9:06 pm
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 1931

Re: Vanguard TD funds

I have 20 years until I tap into my Roth. I like the simplicity of the TDF and life strategy however I don’t like international bonds so much. It’s a hard decision!! Between those and 3 fund. but international bonds have done better than U.S. total bond fund this year so far: total U.S. bond index ...
by arcticpineapplecorp.
Sun Jul 14, 2019 5:54 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 86
Views: 5641

Re: Switching form passive to active management

The only part I would like to know more about (and the other posters are questioning too) is regarding the "lot less volatility" and "downside protection" parts. When you say this: I verified this claim and it appears to be true. that seems tenuous at best. Is it true or not? If it "appears" to be t...
by arcticpineapplecorp.
Sun Jul 14, 2019 5:09 pm
Forum: Personal Investments
Topic: My rough plan to invest $200k windfall...any suggestions?
Replies: 19
Views: 1489

Re: My rough plan to invest $200k windfall...any suggestions?

have you read the wiki page on "managing a windfall"? https://www.bogleheads.org/wiki/Managing_a_windfall If not, start there. compromise can work. 80/20 isn't halfway between 90/10 and 60/40. Because she would have come up 20% but you only came down 10% so how is that equal? Halfway would be 75/25 ...
by arcticpineapplecorp.
Sat Jul 13, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: what exactly is a "12-23 month CD"?
Replies: 3
Views: 406

Re: what exactly is a "12-23 month CD"?

thank you all. that makes sense. still wondering why if she chose a 12 month term it isn't listed as a 12 month cd. but I suppose that makes it more flexible in that you can set the maturity date which can be helpful if you need the money in say 21 months. You want more than a 12 month cd (or 18 mon...
by arcticpineapplecorp.
Sat Jul 13, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: what exactly is a "12-23 month CD"?
Replies: 3
Views: 406

what exactly is a "12-23 month CD"?

In May my mom purchased a "12-23 month CD". It's literally called that on the bank's website (not an online bank). It's paying 2.13%. It was issued on 5/8/2019 and says it matures on 5/8/2020. Doesn't that make it a "12 month cd"? I'm asking because I'm not sure if my mom knows the answer to this (n...
by arcticpineapplecorp.
Sat Jul 13, 2019 8:44 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4000

Re: How do most advisors produce client returns?

Would you expect advisors who are held to fiduciary standards likely, on average, to return higher gains to clients? Converely non fiduciary advisors are less likely to produce higher gains. My thinking here would be that there have more conflicts of interest and perhpas more cookie cutter, and fee...
by arcticpineapplecorp.
Fri Jul 12, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can my brother afford his vacation?
Replies: 41
Views: 3610

Re: Can my brother afford his vacation?

My brother recently told me that he's taking his in-laws on a trip to Italy for their 50th anniversary. He was concerned because he wasn't sure that he could afford the $20k price tag. When I asked him what his financial situation was, he didn't share income and expenses, but he did tell me that he...
by arcticpineapplecorp.
Fri Jul 12, 2019 9:10 pm
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7140

Re: my mom is a "financial advisor"

It is difficult to get a woman to understand something when her salary depends upon her not understanding it (take on Upton Sinclair quote).
by arcticpineapplecorp.
Fri Jul 12, 2019 9:07 pm
Forum: Personal Investments
Topic: What asset class is gold?
Replies: 41
Views: 2637

Re: What asset class is gold?

"over/under" is a gambling term, right? Oh, yeah, you own gold. Nevermind. Since gold doesn't pay interest or dividends and doesn't produce anything in and of itself (an ounce of gold now will still be an ounce of gold in a million years) it is not a stock or a bond, unlike companies that can increa...
by arcticpineapplecorp.
Thu Jul 11, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: Three most important elements of investment success
Replies: 67
Views: 5488

Re: Three most important elements of investment success

John C. Bogle devoted a full chapter of Common Sense on Mutual Funds to "Investing with Simplicity." The chapter is very similar to this speech on the Vanguard website, Investing with Simplicity. ; a pity that technical glitches have resulted in the loss of all charts. For years I used the Fidelity...
by arcticpineapplecorp.
Wed Jul 10, 2019 5:22 pm
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 2879

Re: VOO vs bonds

are you buying bonds in a taxable account or a tax-deferred/tax free account? Do you understand the difference it could make and why? People are telling you there are tax implications/drag on bonds in a taxable account. Without saying so, they're telling you to consider bonds in accounts that don't ...
by arcticpineapplecorp.
Wed Jul 10, 2019 4:56 pm
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 2879

Re: VOO vs bonds

Wow. I thought it was 4%. This is what happens when you have no idea what you're doing. So, the "yield to maturity: is the percentage I will get? No wonder people did not believe me. interesting that you bought first and then asked questions later. See how doing the opposite (asking questions first...
by arcticpineapplecorp.
Mon Jul 08, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in rental property while still renting?
Replies: 13
Views: 945

Re: Invest in rental property while still renting?

welcome to the forum post the numbers on what the cash flow would be. what would the mortgage be and what would you get in rents. Wouldn't you have to put money down to get a mortgage? If so, would you be putting 20% down? That would be $40,000. Where are you getting that from? The emergency fund an...
by arcticpineapplecorp.
Mon Jul 08, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13496

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

check out this chart at Mr.MoneyMustache: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ he shows how quick or long it takes to retirement based on savings rates based on: Assumptions: You can earn 5% investment returns after inflation during your sav...
by arcticpineapplecorp.
Mon Jul 08, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13496

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

check out this chart at Mr.MoneyMustache: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ he shows how quick or long it takes to retirement based on savings rates based on: Assumptions: You can earn 5% investment returns after inflation during your sav...
by arcticpineapplecorp.
Sun Jul 07, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 15631

Re: Insights from Vanguard

there's a migration over to ETFs inside Target & LifeStrategy expected over the next couple of years. I think what you are saying is that the Vanguard Target Retirement and LifeStrategy funds will remain as mutual funds but will instead invest in ETFs for the underlying funds. This would result in ...
by arcticpineapplecorp.
Sun Jul 07, 2019 12:06 pm
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2933

Re: VTI vs VTSAX

no one "should" care. But sometimes people "do" care. I watched my co-worker sell all her stock holdings in 2008 because she freaked out watching the market nose dive. it happens, unfortunately. As long as she bought back in March 2009, she did alright. agreed, but she didn't. And do you really thi...
by arcticpineapplecorp.
Sun Jul 07, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Was the great bond bull market just plain bull?
Replies: 47
Views: 5142

Re: Was the great bond bull market just plain bull?

5. Being too conservative with your investing is a risk in of itself (not just 100k’s of bonds... but the most conservative ones money can buy). You will likely have less capital in the future, making its own potential problems should the market fall. others have commented on your other points. I'l...
by arcticpineapplecorp.
Sun Jul 07, 2019 11:49 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2933

Re: VTI vs VTSAX

Good point but most people don't sit and watch their etf all day. True. And the nature of a Flash crash suggests that an Alert sent to one by one's brokerage to one's smart phone would not have been much help as the crash was over before such an alert could be acted upon. OTOH, one would not have t...
by arcticpineapplecorp.
Sun Jul 07, 2019 11:45 am
Forum: Personal Investments
Topic: Does anyone own gold?
Replies: 108
Views: 10924

Re: Does anyone own gold?

While Gold was less volatile than stocks, so were bonds. And the return of bonds did better than the return of Gold during 2008. And if you look at the chart the total bond market was far less volatile than gold was. Yes, TBM did very slightly better than gold in 2008. But you're leaving out the fa...
by arcticpineapplecorp.
Sat Jul 06, 2019 10:26 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 2782

Re: Anyone itching to dabble in crypto?

at 0.39 cents a coin? Sounds like a penny stock to me. https://www.coinbase.com/price/ripple btw, all time high price was $3.84. now it's at 0.39 cents per coin. So it lost 90% of its value over the past 6 months . What makes you think it's a screaming buy? Because your boss is touting it? Have you ...
by arcticpineapplecorp.
Sat Jul 06, 2019 10:19 pm
Forum: Personal Investments
Topic: Does anyone own gold?
Replies: 108
Views: 10924

Re: Does anyone own gold?

I'm 37 years old. I've got 5% gold in my taxable account and none in my 401k. My taxable account is worth more than my 401k, but it's not a huge difference. Is there any data that supports that idea that a small amount of gold can reduce volatility? Anyone that thinks holding a small amount of gold...
by arcticpineapplecorp.
Sat Jul 06, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: Was the great bond bull market just plain bull?
Replies: 47
Views: 5142

Re: Was the great bond bull market just plain bull?

he says: Most bond investors fall into the long-term camp . They are using bonds as part of a retirement plan or balanced fund allocation within a portfolio. source: https://www.blackrockblog.com/2019/02/19/interest-rates-vs-bond-returns/ Um, no? I think if most own a total bond market or lehman agg...
by arcticpineapplecorp.
Sat Jul 06, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16275

Re: Larry Swedroe: The Historical Imperative For International Diversification

well,I for one am glad to see the link to the Vanguard Paper because now I understand why Vanguard has increased their international holdings to 40% (up from 30%) in their target date and lifestrategy funds. I had referenced a similar paper from Vanguard from years past where they showed volatility ...
by arcticpineapplecorp.
Sat Jul 06, 2019 8:39 pm
Forum: Personal Investments
Topic: Does anyone own gold?
Replies: 108
Views: 10924

Re: Does anyone own gold?

I'm 37 years old. I've got 5% gold in my taxable account and none in my 401k. My taxable account is worth more than my 401k, but it's not a huge difference. Is there any data that supports that idea that a small amount of gold can reduce volatility? Anyone that thinks holding a small amount of gold...
by arcticpineapplecorp.
Sat Jul 06, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13496

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

check out this chart at Mr.MoneyMustache: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ he shows how quick or long it takes to retirement based on savings rates based on: Assumptions: You can earn 5% investment returns after inflation during your savi...
by arcticpineapplecorp.
Sat Jul 06, 2019 2:08 pm
Forum: Personal Investments
Topic: Gold & Silver in a portfolio
Replies: 61
Views: 2700

Re: Gold & Silver in a portfolio

so the conventional wisdom is to go with no more than 10% gold in one's portfolio (if you must do this at all. full disclosure, I have 0%). What will this really do for you in a bad scenario (which is one of the main reasons people own gold, right?). Putting aside the higher returns for the 60/20/20...
by arcticpineapplecorp.
Fri Jul 05, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2120

Re: No more print Mad magazine

Nicolas wrote:
Fri Jul 05, 2019 7:47 pm
I loved it as a kid but haven’t read it in decades.
that's why they're going out of business.

what me worry?
by arcticpineapplecorp.
Fri Jul 05, 2019 9:16 pm
Forum: Personal Investments
Topic: 60K into VTSAX
Replies: 9
Views: 944

Re: 60K into VTSAX

so you've said two different things: I was thinking of opening a vanguard account and putting 60k into VTSAX and letting it sit as long as possible and I intend to use maybe a little bit of it if needed these two are in opposition. So be honest. You are not really going to let it sit as long as poss...
by arcticpineapplecorp.
Fri Jul 05, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: VFMF (Vanguard Multifactor) == Closet Value Index Fund
Replies: 50
Views: 3929

Re: VFMF (Vanguard Multifactor) == Closet Value Index Fund

I recently saw someone quote a joke, "Fruit is good, cake is good. So fruitcake must be good." Not exactly the quote. More like this: "The most dissapointing cake has to be fruitcake. You'd think it would be better. Doesn't add up. Fruit good. Cake great. Fruitcake -- Nasty Cr-p." Jim Gaffigan (one...
by arcticpineapplecorp.
Fri Jul 05, 2019 1:59 pm
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2933

Re: VTI vs VTSAX

you can read some of the differences here: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds https://www.bogleheads.org/wiki/Outline_of_ETFs_and_mutual_funds with ETFs you can buy intra day, meaning the price at a particular time in the day. with mutual funds provided you purchase before 4 p.m. y...
by arcticpineapplecorp.
Fri Jul 05, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Hussman predictions..
Replies: 17
Views: 2004

Re: Hussman predictions..

"Nobody Knows Nuthin'"- Jack Bogle "It's difficult to get a man to understand something when his salary depends upon his not understanding it." - Upton Sinclair (did you see the expense ratios on Hussman's funds? HSGFX 1.29% expense ratio HSTRX 0.080% expense ratio HSIEX 2.00% expense raio HSVLX...c...
by arcticpineapplecorp.
Fri Jul 05, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Hussman predictions..
Replies: 17
Views: 2004

Re: Hussman predictions..

here's what's in hussman's strategic growth fund (3/31/19 anyway per morningstar. source: http://portfolios.morningstar.com/fund/summary?t=HSGFX®ion=usa&culture=en-US) https://i.postimg.cc/KvJtJrTm/Capture.jpg looks like he's shorting non-US stock but mostly long cash and US stock. If he's such a...
by arcticpineapplecorp.
Wed Jul 03, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Don't Try to Time Factor Investing
Replies: 7
Views: 1355

Re: Jack Bogle: Don't Try to Time Factor Investing

thank you for posting that. brought a smile to my face. interesting to hear him say "factors come and go" and they're unpredictable. that's different from what we hear about certain factors being robust, persistent, etc. granted Jack was referring to growth and value in this video and warned investo...
by arcticpineapplecorp.
Wed Jul 03, 2019 4:43 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 11502

Re: Doubling Your Money

. And that's with dividends reinvested! :oops: After inflation it would've been even worse! I don't think stock price charts you find on Vanguard, Fidelity, Yahoo, etc. include dividends. It's a price history chart, isn't it? the charts I provided were from morningstar and they were indeed growth c...
by arcticpineapplecorp.
Tue Jul 02, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: We got scammed out of our personal info
Replies: 18
Views: 3271

Re: We got scammed out of our personal info

I received an email with an offer to interview via Google Hangout and foolishly confirmed my name, email address, mailing address and phone number. I realized I'd been had when the "recruiter" gave me his email having a "financier.com" suffix instead of the employer's. I didn't give any other infor...
by arcticpineapplecorp.
Tue Jul 02, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: We got scammed out of our personal info
Replies: 18
Views: 3271

Re: We got scammed out of our personal info

expect that when they offer you a job they will ask you to send money for an application fee or something like that. They want you to give them money. Then it's not considered stealing if you gave it to them. But if there is actually no job, isn't that fraud? I thought that was often a felony (?) l...
by arcticpineapplecorp.
Tue Jul 02, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: "Converting Vanguard Mutual Funds To ETFs"
Replies: 22
Views: 2238

Re: "Converting Vanguard Mutual Funds To ETFs"

thank you Taylor. And thank you Allan for an informative article. I’m with Kashner: still not sold on the economics of converting. I consider it a wash on total international and recommend against doing it for VTI or any fund that has less than a 0.02% fee differential between the mutual fund share ...
by arcticpineapplecorp.
Tue Jul 02, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: We got scammed out of our personal info
Replies: 18
Views: 3271

Re: We got scammed out of our personal info

expect that when they offer you a job they will ask you to send money for an application fee or something like that. They want you to give them money. Then it's not considered stealing if you gave it to them.
by arcticpineapplecorp.
Mon Jul 01, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: "Morningstar Overhauls Influential Rating System"
Replies: 8
Views: 1096

Re: "Morningstar Overhauls Influential Rating System"

it's too bad their rating system is still "influential" despite the fact that they themselves had to admit that their rating system is in no way predictive of future performance and they admitted that low cost was the best indicator of future returns. As Jack has taught us, "The first shall be the l...
by arcticpineapplecorp.
Mon Jul 01, 2019 7:34 pm
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 1222

Re: Roth IRA investments

What are some good conservative investments one can make in Roth IRA under this type of market condition where most pros are predicting bubble is going to burst anytime soon. most pros? first off, who are these "pros" you are referencing? secondly, how many pros are predicting this out of all pros ...
by arcticpineapplecorp.
Sun Jun 30, 2019 8:42 pm
Forum: Personal Investments
Topic: Can I add Social Security to my asset allocation of bonds?
Replies: 42
Views: 2619

Re: Can I add Social Security to my asset allocation of bonds?

there have been many other posts on this subject:

https://www.google.com/search?sitesearc ... xed+income

Jack Bogle, rest in peace, had once talked about this subject. Charles Ellis too.
by arcticpineapplecorp.
Sun Jun 30, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Negating interest?
Replies: 4
Views: 399

Re: Negating interest?

to negate the interest you must pay the balance in full before any interest accrues. To reduce the interest paid, you would pay off the principle sooner (though hopefully your loan is not a "precomputed loan" like someone I know.) have you played around with online calculators like this: https://www...
by arcticpineapplecorp.
Sun Jun 30, 2019 2:48 pm
Forum: Personal Investments
Topic: Is it bad to use pre-tax 401k instead of roth 401k if in 12% tax bracket?
Replies: 10
Views: 1027

Re: Is it bad to use pre-tax 401k instead of roth 401k if in 12% tax bracket?

only if you plan to be in the 10% bracket when you retire. it really comes down to the difference between what tax you pay when money goes in vs. what you pay when it comes out. If you're likely to be in a lower bracket now than later, go Roth. If you'll be in a higher bracket now tha later, go pre-...