Search found 6044 matches

by arcticpineapplecorp.
Tue Sep 29, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: What type of accountant / lawyer for investigating $ exploitation of an elder?
Replies: 14
Views: 1214

Re: What type of accountant / lawyer for investigating $ exploitation of an elder?

And make sure the will wasn't changed unbenownst to family. How can they determine that? In my state there is no requirement to file wills before death. The black sheep could have had any random lawyer do a new will. yep, so check with an attorney. if you're redoing POAs then he probably would redo...
by arcticpineapplecorp.
Mon Sep 28, 2020 3:04 pm
Forum: Personal Investments
Topic: Extremely low CD rates in Schwab accounts
Replies: 8
Views: 551

Re: Extremely low CD rates in Schwab accounts

banks count on inertia. if you want a higher rate, go switch and get it. Very hard to do with a Coverdell though. And Schwab hits with a $50 transfer out which I need to also consider. And it's hard to consider this account as part of my overall AA as it serves a specific purpose and timeline that ...
by arcticpineapplecorp.
Mon Sep 28, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: Any Blended Scotch Drinkers Here?
Replies: 43
Views: 2651

Re: Any Blended Scotch Drinkers Here?

i know nothing about blended scotch.

but we can talk about how to determine your blended expense ratio on your blended portfolio if you like.
by arcticpineapplecorp.
Mon Sep 28, 2020 3:00 pm
Forum: Personal Investments
Topic: Extremely low CD rates in Schwab accounts
Replies: 8
Views: 551

Re: Extremely low CD rates in Schwab accounts

banks count on inertia.

if you want a higher rate, go switch and get it.

also, does ally allow/have coverdells?
by arcticpineapplecorp.
Mon Sep 28, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: What type of accountant / lawyer for investigating $ exploitation of an elder?
Replies: 14
Views: 1214

Re: What type of accountant / lawyer for investigating $ exploitation of an elder?

This gets at the crux of the challenge I'm trying to advise the siblings on. I believe they'd need a lawyer to help them force a change in the POAs. What type of legal specialty would be the right fit? any lawyer who does wills can and should do POAs. just make sure this child is not on either the ...
by arcticpineapplecorp.
Sun Sep 27, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: What type of accountant / lawyer for investigating $ exploitation of an elder?
Replies: 14
Views: 1214

Re: What type of accountant / lawyer for investigating $ exploitation of an elder?

sorry to hear this. that's significant and you'll want to keep records of whatever the investigation yielded for future potential medicaid purposes (to substantiate it wasn't a gift, but abuse and/or not for the purposes of qualifying for medicaid and to prove you attempted to recoup the money). hav...
by arcticpineapplecorp.
Sun Sep 27, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Are we NOW in a bubble?
Replies: 66
Views: 6181

Re: Are we NOW in a bubble?

This article claims that it's arrived https://www.ft.com/content/ddc4630c-c27c-47e6-b13e-1e036d16b0f9 “The idea that a bell rings to signal when investors should get into or out of the market is simply not credible. After nearly 50 years in this business, I do not know of anybody who has done it su...
by arcticpineapplecorp.
Sun Sep 27, 2020 4:00 pm
Forum: Personal Investments
Topic: Vanguard Says I'm Too Growth Oriented?
Replies: 8
Views: 854

Re: Vanguard Says I'm Too Growth Oriented?

I have a standard 3 fund (total stock, total bond, total intl) portfolio across all of my accounts with the exception of an SP 500 Fidelity index in my 401k. I ran the Vanguard portfolio analyzer and it says that I am emphasizing growth, and should consider adding value. That is surprising since I ...
by arcticpineapplecorp.
Sun Sep 27, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: The One Who Pays
Replies: 33
Views: 3818

Re: The One Who Pays

This sounds like a complaint, but it's really not. It's just a curiosity. We're trying to make it through this year on fixed income alone to save 12k during the following 2 years on a copay for a single medication, which you can qualify for if you stay below a certain amount of income from all sour...
by arcticpineapplecorp.
Sun Sep 27, 2020 1:04 pm
Forum: Personal Investments
Topic: 200k to invest, need some help.
Replies: 9
Views: 848

Re: 200k to invest, need some help.

Questions: 1. What would be your entrance strategy be (i.e. lump sum, dollar cost average a certain amount over a specified time frame)? lump sum 2. Invest now or wait after presidential election? now 3. Does my asset alocation seem alright? Is there something I’m not doing or that I could do bette...
by arcticpineapplecorp.
Sat Sep 26, 2020 1:37 pm
Forum: Personal Investments
Topic: My four plan vanguard portfolio !
Replies: 113
Views: 4005

Re: three fund vs four funds and bonds

Hello everyone. I have been leaning towards pursuing my IRA in a 3 fund portfolio , but vanguard also recommends a 4 fund portfolio- for LONG TERM. Do you prefer the three fund or 4 fund approach? and WHY? also, BONDS have had a mixed reaction due to its low return in recent history. is it still va...
by arcticpineapplecorp.
Sat Sep 26, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: Help my try to rationalize why I should ignore Nasdaq
Replies: 39
Views: 2258

Re: Help my try to rationalize why I should ignore Nasdaq

Max drawdown -81.08% :shock: +1 and this is a reason I think very few can stick with a strategy when they see it perform worse than another index like a S&P500 index fund, which had a max drawdown of -50.97% (https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=QQQ&benchmark=VFINX) or or...
by arcticpineapplecorp.
Fri Sep 25, 2020 10:17 pm
Forum: Investing - Theory, News & General
Topic: Why are charts telling me different things?
Replies: 5
Views: 626

Re: Why are charts telling me different things?

Hello, I was recently looking into the past performance of mutual fund GuideStone Funds Growth Allocation Fund Investor Class (MUTF: GCOZX). When you take a look in Google Finance in the max range, it shows that the price was $13.38 USD on Aug 31, 2001 and is now $12.14 on Sept 24, 2020. However, I...
by arcticpineapplecorp.
Fri Sep 25, 2020 7:38 pm
Forum: Personal Investments
Topic: VTSAX & VTWAX
Replies: 25
Views: 2693

Re: VTSAX & VTWAX

He is thinking to go with VTWAX 70%, VTSAX 20%, VBTLX 10% or just VTWAX 90% and VBTLX 10% Mario you keep asking the same question of everyone, several times on bogleheads, talking real investing radio show (TWICE!!), etc. You asked it here too: https://www.bogleheads.org/forum/viewtopic.php?p=55132...
by arcticpineapplecorp.
Fri Sep 25, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Recent Sell Off Mystery
Replies: 67
Views: 6621

Re: Stock Market Recent Sell Off Mystery

The cash isn't flowing anywhere. It just disappears. The stock market is not a USD container. Its market cap is determined by trading, not holding. Stock prices are set by trading. There is a buyer and seller for every share transacted. If those traders think it's worth less than previously, the ma...
by arcticpineapplecorp.
Fri Sep 25, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Help my try to rationalize why I should ignore Nasdaq
Replies: 39
Views: 2258

Re: Help my try to rationalize why I should ignore Nasdaq

Will start out by saying all my equities are in SP500. Aside from the dot com bust it seems that Nasdaq has consistently and significantly outperformed sp500. I feel like I’m burying my head in the sand as to try not think that times are different and that maybe sp500 is somehow becoming more outda...
by arcticpineapplecorp.
Fri Sep 25, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any investment products can guarantee 2-3% annual return?
Replies: 12
Views: 1296

Re: Is there any investment products can guarantee 2-3% annual return?

I'm trying to find a safe place to put in my 100k cash, which I expect to use for a home down in around 2 years. Most CD rates are under 0.75% now. So is there any place to store my 100k cash and earn 2-3% gains nowadays, just like the old school CDs? Thanks for any advice~ old school cds are the s...
by arcticpineapplecorp.
Fri Sep 25, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cash App text
Replies: 3
Views: 251

Re: Cash App text

found this at google by typing "cash app text scam":

https://www.google.com/search?client=fi ... +text+scam

sounds like a phishing attempt. best not to take the bait.
by arcticpineapplecorp.
Thu Sep 24, 2020 10:41 am
Forum: Personal Investments
Topic: My four plan vanguard portfolio !
Replies: 113
Views: 4005

Re: High Dividend for diversification

There is no evidence to suggest high dividend strategies have higher total return than the total market. Correct. :thumbsup https://www.bogleheads.org/forum/viewtopic.php?p=4869335#p4869335 Oh yes there is. I always have a 10-20% tilt for a dividend index especially when the economy recovers a bit....
by arcticpineapplecorp.
Thu Sep 24, 2020 10:36 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 131
Views: 11043

Re: Long Suffering VXUS Holder No More

When I mentioned what I did and why to a Vanguard rep I expected to get a stern talking to, but to my surprise she said something like "Yeah, we've been re-looking at our recommendation to diversify with VXUS." [...] What do you think? I think the V rep was agreeable because that's what their train...
by arcticpineapplecorp.
Thu Sep 24, 2020 10:25 am
Forum: Personal Investments
Topic: VTWAX [Roth IRA - Three-funds to Two-funds]
Replies: 10
Views: 767

Re: VTWAX

Mario! It's not your "friend"! It's you!! I listed to BOTH those podcasts where you called into the show. I remember your allocation of 70/20/10. I think the recommendation is fine provided you are ok with holding more international (I have 30% in my Roth IRA comprised of 70% vtsax and 30% vtiax and...
by arcticpineapplecorp.
Thu Sep 24, 2020 10:12 am
Forum: Personal Investments
Topic: How to get $200,000 into the market (dollar cost averaging or...)
Replies: 40
Views: 3357

Re: How to get $200,000 into the market (dollar cost averaging or...)

I have $200K in my Vanguard settlement fund I want to get into VTSAX and VBTLX. I feel bad that its just sitting there but in the interest of not trying to time the market I think I should trickle it in using dollar cost averaging . you're of two minds. you're trying to minimize regret. so what's t...
by arcticpineapplecorp.
Thu Sep 24, 2020 10:05 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 1091

Re: When did VTI add in Tesla?

maybe you're thinking because they didn't make it into the S&P500 then how could they be in the total market? (https://www.google.com/search?client=firefox-b-1-d&q=tesla+to+be+added+to+s%26p) because the total includes small and mid cap as well. you don't have to worry about whether a company gets ...
by arcticpineapplecorp.
Thu Sep 24, 2020 10:02 am
Forum: Personal Investments
Topic: Roth IRA Investing - Is there a rule of thumb?
Replies: 11
Views: 1564

Re: Roth IRA Investing - Is there a rule of thumb?

welcome to the group! #1 depends upon your age but supposing your young it could all go into a total stock (or total world stock) market index fund like VTWAX (US and Int) or just VTSAX (total US). Or you could go with a target date retirement index fund if you want the Roth to get more conservative...
by arcticpineapplecorp.
Thu Sep 24, 2020 9:58 am
Forum: Personal Investments
Topic: When did VTI add in Tesla?
Replies: 10
Views: 1091

Re: When did VTI add in Tesla?

maybe you're thinking because they didn't make it into the S&P500 then how could they be in the total market? (https://www.google.com/search?client=firefox-b-1-d&q=tesla+to+be+added+to+s%26p) because the total includes small and mid cap as well. you don't have to worry about whether a company gets i...
by arcticpineapplecorp.
Wed Sep 23, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4340

Re: Smoker next door

fences make good neighbors. it's unfortunate to think that way but alas, civility is dead. also the notion of freedom is lost on most. people think they can do whatever they want. truth is you have have the right to do what you want provided you're not infringing upon my rights. I look at others bl...
by arcticpineapplecorp.
Wed Sep 23, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4340

Re: Smoker next door

i feel your pain. we had this issue 8 years ago. fortunately we lived in an apartment and moved 7 years ago. can you guess why? our curren next door neighbor occasionally smokes a cigar, so we go in during those times and/or light incense if we want to stay outside at those times. this is one of the...
by arcticpineapplecorp.
Wed Sep 23, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 176
Views: 11038

Re: A simpler car.

MarkBarb wrote: Wed Sep 23, 2020 10:27 am To me, the increased cost of new cars is easily justified by the increase in safety. That may change over time, but safety improvements over the last several years have been significant.
i'm still waiting for the Tullock Spike:
https://www.google.com/search?client=fi ... lock+spike
by arcticpineapplecorp.
Wed Sep 23, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: I dont understand compound interest.
Replies: 47
Views: 4707

Re: I dont understand compound interest.

An example using starting investment of $100 and compounding at 10% per year (unrealistic perhaps, but using the CAGR for U.S. stock market since 1926: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations). This example simply demonstrates the "rule of 72" but shows...
by arcticpineapplecorp.
Tue Sep 22, 2020 8:48 pm
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1220

Re: TLH question

What I see are: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: 1.Buy substantially identical stock or securi-ties, 2.Acquire substantially identical stock or se-curities in a fully taxable trade, 3.Acquire a contract or optio...
by arcticpineapplecorp.
Tue Sep 22, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: Why the Large Difference in Index Funds?
Replies: 5
Views: 981

Re: Why the Large Difference in Index Funds?

I notice FSPSX, Fidelity's developed international index fund, has much higher returns than Schwab or Vanguard's developed international index funds, SCHF and VEA, respectively. Why is this? The 5 year returns are about double but the top holdings don't appear so different. can you show us your dat...
by arcticpineapplecorp.
Tue Sep 22, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: How to tell taxable vs IRA account on Vanguard
Replies: 3
Views: 385

Re: How to tell taxable vs IRA account on Vanguard

My wife's grandmother passed away, and my mother-in-law wanted me to post this picture here. She wants to know how to tell whether the 930k account is taxable or if it's an IRA? I have only blacked out names. Next to where it says UA there is a number there that looks like a date, but in case it wa...
by arcticpineapplecorp.
Tue Sep 22, 2020 3:23 pm
Forum: Investing - Theory, News & General
Topic: How to tell taxable vs IRA account on Vanguard
Replies: 3
Views: 385

Re: How to tell taxable vs IRA account on Vanguard

My wife's grandmother passed away, and my mother-in-law wanted me to post this picture here. She wants to know how to tell whether the 930k account is taxable or if it's an IRA? I have only blacked out names. Next to where it says UA there is a number there that looks like a date, but in case it wa...
by arcticpineapplecorp.
Tue Sep 22, 2020 3:13 pm
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 25
Views: 1864

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

The first-ever crypto ETF has been approved for listing on the Bermuda Stock Exchange (BSX). An alternative to investing directly in crypto-currency: The Hashdex Nasdaq Crypto Index ETF https://finance.yahoo.com/news/nasdaq-sec-registered-fund-manager-150707828.html This particular product, which w...
by arcticpineapplecorp.
Tue Sep 22, 2020 3:05 pm
Forum: Personal Investments
Topic: PSLF side fund
Replies: 9
Views: 500

Re: PSLF side fund

oh, i see. you're saying you "might" need $300k-$350k in 6 years in the event the pslf doesn't "pay off" in terms of the forgiveness provided. In that case I think if you need to have the money there to pay off that amount at that time, it's too risky to invest in stocks for a 6 year period. It migh...
by arcticpineapplecorp.
Tue Sep 22, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: Advice needed on writing a stock analysis report
Replies: 18
Views: 1062

Re: Advice needed on writing a stock analysis report

it's not uncommon (at least in the past) for there to be WAY more "buy" than "sell" recommendations. So there's a potential bias built in. Here's some other things to think about: don't follow the Henry Blodgett method of stock analysis: Henry Blodget got in trouble with the law because he wrote mes...
by arcticpineapplecorp.
Tue Sep 22, 2020 2:33 pm
Forum: Personal Investments
Topic: PSLF side fund
Replies: 9
Views: 500

Re: PSLF side fund

not sure i understand the question. pslf after 10 years means the rest is forgiven. my understanding is the amount written off is not countable as taxable income, unlike of ther income based repayment plans, like REPAYE. so not sure what you're trying to "pay off" exactly. aren't you required to mak...
by arcticpineapplecorp.
Tue Sep 22, 2020 1:46 pm
Forum: Personal Investments
Topic: Investment Planning
Replies: 4
Views: 335

Re: Investment Planning

I am a 28 yr old male, expenses right now are 0 as I am living with my parents. My risk tolerance is moderate. My salary is $50,000. My current portfolio breakdown: 401k: $30,000 Roth IRA: $12,000 (half in VTI and half in VXUS) Emergency savings: $6,000 Betterment: $13,000 Vanguard: $3,000 in VTSAX...
by arcticpineapplecorp.
Tue Sep 22, 2020 11:28 am
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 25
Views: 1864

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

I am planning to invest small amounts of my monthly income in crypto for diversification . 1. you don't invest in crypto. you speculate with it. understand the difference. language matters. you're not investing. stop thinking you are when you're "playing" (your words) with your money. 2. diversific...
by arcticpineapplecorp.
Tue Sep 22, 2020 11:16 am
Forum: Personal Investments
Topic: TLH question
Replies: 22
Views: 1220

Re: TLH question

3. VFIAX and VTSAX are good pairs. You do need to watch out for wash sales in your retirement accounts that use VFIAX. IRA yes. 401k? debatable. if you think wash sales apply to 401k holdings, please verify. What I see are: A wash sale occurs when you sell or trade stock or securities at a loss and...
by arcticpineapplecorp.
Tue Sep 22, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit score mystery
Replies: 26
Views: 2006

Re: Credit score mystery

Hi Bogleheads, I was talking to a lender who provided me a pre-approval letter for a home loan. He mentioned that my credit score is 760, which is "perfect" by their standard. In Credit Karma, both of my scores are ~800 and the FICO score provided by my AMEX credit card is 772. I figured that lende...
by arcticpineapplecorp.
Tue Sep 22, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: The Magic Number; Rule of 25; 4%; etc.
Replies: 46
Views: 3027

Re: The Magic Number; Rule of 25; 4%; etc.

Perhaps my original post was worded incorrectly. I am talking Post-Retirement. FIRE, JL Collins, etc. suggest multiplying annual expenses by 25 to identify the magic number needed to retire. I'm simply trying to figure out if I have reasonably anticipated all post-retirement expenses....and why my ...
by arcticpineapplecorp.
Tue Sep 22, 2020 9:15 am
Forum: Personal Investments
Topic: Trlgx vs fxaix
Replies: 11
Views: 656

Re: Trlgx vs fxaix

Are you familiar with the legendary Bill Miller and his Legg Mason Value Trust fund, which beat the S&P 500 in 1991, 1992, 1993, 1994, 1995, 1996, 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, and 2006; inspired a book https://imgur.com/l4EGgHC.png ; and was widely cited as absolute proof o...
by arcticpineapplecorp.
Mon Sep 21, 2020 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-husband and survivors benefits
Replies: 15
Views: 1366

Re: Ex-husband and survivors benefits

from the horse's mouth: You can apply for benefits by calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply...
by arcticpineapplecorp.
Mon Sep 21, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: The relentless rules of humble arithmetic
Replies: 19
Views: 3687

Re: The relentless rules of humble arithmetic

See also As The Index Fund Moves from Heresy to Dogma . . . What More Do We Need To Know? Oh man, Figure 4 is freakin' hilarious! almost as much fun as saying index funds are "worse than marxism" : https://www.google.com/search?client=firefox-b-1-d&q=index+funds+are+worse+than+marxism “First they i...
by arcticpineapplecorp.
Sun Sep 20, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

I know, I know: Time in the market, not timing the market. BUT: I have some new cash (about 6% of total portfolio) and I'm curious whether anyone else is waiting until after the US election in 45 days? Q: When should I buy? A: When you have the money. Q: When should I sell? A: When you need the mon...
by arcticpineapplecorp.
Sun Sep 20, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: Why have international stocks done so poorly?
Replies: 19
Views: 1822

Re: Why have international stocks done so poorly?

International stocks have lagged US equities for quite some time. Does anyone know the fundamental reasons for this? Would you be inclined to up your allocation to international equities based on a future regression to the mean? Why or why not? depends on what you mean by international stocks. The ...
by arcticpineapplecorp.
Sun Sep 20, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

I know, I know: Time in the market, not timing the market. BUT: I have some new cash (about 6% of total portfolio) and I'm curious whether anyone else is waiting until after the US election in 45 days? you don't know that it's time in the market, not timing the market. because you used the word "Bu...
by arcticpineapplecorp.
Sun Sep 20, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: The conundrum of Pennsylvania 401K contributors who are in no way "married" to the state for retirement. What to do?
Replies: 24
Views: 2699

Re: The conundrum of Pennsylvania 401K contributors who are in no way "married" to the state for retirement. What to do?

I moved to Pennsylvania originally for work, I have no significant personal ties to PA, I went to a University in PA, but that's not really anything that affects my desire to live anywhere. To be clear, I am fond of the state, particularly the more rural parts, but that's not going to keep me here ...
by arcticpineapplecorp.
Sun Sep 20, 2020 6:19 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13691

Re: Losing Money with Index Funds

So let's say they reinvested early March 2020, and let's say in 2024 the economy recovers, and they have a $3 million(maybe enough for retirement to them) will they be in a good situation if they decide to cash out ALL of their investments?? I guess I want to know what does everyone here think will...