Search found 4087 matches

by arcticpineapplecorp.
Mon Jun 24, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: for those of you who sold a home...
Replies: 24
Views: 3018

Re: for those of you who sold a home...

thank you everyone for responding. very helpful. thanks rocket354 for the article link. I wasn't aware of the different types of agents and that dual agents are not legal in all 50 states. more info to chew on. I really appreciate all the useful knowledge I've received. thanks very much. will keep i...
by arcticpineapplecorp.
Mon Jun 24, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: for those of you who sold a home...
Replies: 24
Views: 3018

Re: for those of you who sold a home...

one more question. my friend's met with two realtors so far, one more to go tomorrow. It turns out it's not technically "distressed", just in need of a lot of work. All three realtors have wanted to know how much is left on the mortgage. He hasn't told them. One agent did say she can find out anyway...
by arcticpineapplecorp.
Sat Jun 22, 2019 8:40 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6106

Re: Why are my Vanguard returns suddenly so low?

there was a post from May which talks about what celia mentioned that starting a return calculation in one month vs. the next month can show a huge difference in returns over a certain period of time. here it is: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=280919 also look at this: http://...
by arcticpineapplecorp.
Sat Jun 22, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3540

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

just opened a snapple that I bought with U.S. Dollars (albeit borrowed from citibank until next month when it's due back) and read this:
"Real Fact" #86

Until the nineteenth century, solid blocks of tea were used as money in Siberia.
by arcticpineapplecorp.
Sat Jun 22, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 16
Views: 1435

Re: Bitcoin Talk

just opened a snapple that I bought with U.S. Dollars (albeit borrowed from citibank until next month when it's due back) and read this:
"Real Fact" #86

Until the nineteenth century, solid blocks of tea were used as money in Siberia.
by arcticpineapplecorp.
Sat Jun 22, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3540

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

... 3) would you say creating a crypto currency is similar to printing money? For me, this seems like something that should be done very carefully and only by governments. Should anyone (not literally) be able to make their own crypto currency? And if it’s not like printing money, why not? Bear in ...
by arcticpineapplecorp.
Sat Jun 22, 2019 10:57 am
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 44
Views: 3285

Re: Getting caught up in minutia of investing-How to make things simple

Everyday I spend multiple hours reading on this forum. I thoroughly enjoy it, but then I wonder what is more important at the end of the day the fact that you put money away consistently or whether it was Roth or tax deferred. Which debt to tackle first vs just making strides to get something paid ...
by arcticpineapplecorp.
Sat Jun 22, 2019 10:40 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 16
Views: 1435

Re: Bitcoin Talk

i'm no gold bug (I own none) nor any cryptocurrency. that being said, while gold (like any asset) is only worth what someone is willing to pay for it, it does have some utility, in that it is a metal that has conductive properties (i'm no scientist or engineer). Other metals may be cheaper/better co...
by arcticpineapplecorp.
Sat Jun 22, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3540

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

... 3) would you say creating a crypto currency is similar to printing money? For me, this seems like something that should be done very carefully and only by governments. Should anyone (not literally) be able to make their own crypto currency? And if it’s not like printing money, why not? Bear in ...
by arcticpineapplecorp.
Sat Jun 22, 2019 9:05 am
Forum: Personal Investments
Topic: Fidelity Balanced Fund
Replies: 20
Views: 1814

Re: Fidelity Balanced Fund

depends on whether it's a taxable account or a tax deferred account. Can you tell us which it is or if you're looking for investments for both types of accounts? Also, if it's a taxable account, can you tell us what their marginal tax rate is? It can make a difference when selecting certain funds (l...
by arcticpineapplecorp.
Fri Jun 21, 2019 7:58 pm
Forum: Personal Investments
Topic: How did you overcome your fear of investing?
Replies: 33
Views: 2272

Re: How did you overcome your fear of investing?

Throughout life there will be some things that are outside of your control, like how your investments perform. Don't worry about what you can't control. Focus on what you can control, like understanding how much to save/invest, keeping costs as low as possible, living below your means, and avoiding ...
by arcticpineapplecorp.
Fri Jun 21, 2019 7:42 pm
Forum: Personal Investments
Topic: How did you overcome your fear of investing?
Replies: 33
Views: 2272

Re: How did you overcome your fear of investing?

Invest in broad based, low cost mutual funds and then act like the 2nd most successful group of people observed by Fidelity in their 401k plans. Those people forgot they even had an account. You might ask me: "Hey Jack....why wouldn't I want to be in the most successful group according to Fidelity?...
by arcticpineapplecorp.
Thu Jun 20, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: for those of you who sold a home...
Replies: 24
Views: 3018

Re: for those of you who sold a home...

thanks again to everyone who posted. i passed along info you provided especially about checking out different realtors and not mentioning how much is left to pay off at this point. he has three realtors to choose from and is meeting within one tomorrow. thanks again everyone. will let you know if i ...
by arcticpineapplecorp.
Thu Jun 20, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard won't service the annuities in a year?

thought this part was interesting:
Vanguard will continue to offer the Vanguard Variable Insurance Funds, which are the underlying investments in the Vanguard Variable Annuity.
so you can create your own annuity using vanguard funds? Does anyone know which funds they are referring to?
by arcticpineapplecorp.
Wed Jun 19, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: for those of you who sold a home...
Replies: 24
Views: 3018

Re: for those of you who sold a home...

thank you everyone who took the time to respond. You've given me some things to think about for sure. much appreciated.

any other ideas anyone can think of, keep 'em coming! thanks
by arcticpineapplecorp.
Wed Jun 19, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: for those of you who sold a home...
Replies: 24
Views: 3018

for those of you who sold a home...

I have a friend who is selling his rowhome to move into an apt instead. it's a distressed property (more than a fixer upper). He called a realtor today and has an appt on Friday (sorry for the short notice). There is a mortgage with around $33,000 left on the property. It is assessed for $120,000 (i...
by arcticpineapplecorp.
Mon Jun 17, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: anyone heard of or use forevercar.com?
Replies: 3
Views: 673

Re: anyone heard of or use forevercar.com?

thanks mhalley. yeah I'm familiar with clark's recommendation to purchase the manufacture's own but I didn't think this was an "extended warranty" plan as much as a break on car repairs (from in house repair shops?) plus other services like towing, roadside assistance, etc. thanks for the link to bb...
by arcticpineapplecorp.
Mon Jun 17, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3150

Re: Doing Your Own Taxes

good advice so far. one other thing I didn't see mentioned (maybe I missed it, i was scrolling through): you can have h&r block do a "second look" for free on an older tax return (within amended time period) to see if you did it right or missed anything: https://www.hrblock.com/tax-offices/extended-...
by arcticpineapplecorp.
Mon Jun 17, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: anyone heard of or use forevercar.com?
Replies: 3
Views: 673

anyone heard of or use forevercar.com?

just got an email offer from my credit union. typically it's for insurance which I disregard but this one was for www.forevercar.com. I'm wondering if anyone is familiar with this, has used it, how it works? It's for people with older cars. Sounds like they offer towing, roadside assistance, rental,...
by arcticpineapplecorp.
Sat Jun 15, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: 5 Million Into Fixed Income
Replies: 37
Views: 5507

Re: 5 Million Into Fixed Income

6 ways to insure excess deposits: https://www.bankrate.com/banking/savings/6-ways-to-insure-excess-deposits/ while cdards was mentioned at that link above, here are a couple other thoughts from that link: Believe it or not, back in the 1930s Massachusetts state-chartered savings banks and state-char...
by arcticpineapplecorp.
Sat Jun 15, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: When to sell and buy funds or stocks
Replies: 9
Views: 1578

Re: When to sell and buy funds or stocks

This is something that I never saw discussed Let's say you have security X that you wan to sell to buy security Y at time T. Ideally, you should have bought Y in the first place, but let's assume you regretted about it for whatever reason. For simplicity, let's assume both of them are equivalent in...
by arcticpineapplecorp.
Sat Jun 15, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Compound interest for 10% interest rate?
Replies: 29
Views: 3134

Re: Compound interest for 10% interest rate?

four things: 1. you're saying you would invest for 32 days and get a 16% annualized return? 2. the title of your post asks about compound interest for 10% interest rate, but nowhere in your post do you mention 10% (only 16%). So what's going on with the difference in these numbers? 3. Is this an in...
by arcticpineapplecorp.
Sat Jun 15, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Compound interest for 10% interest rate?
Replies: 29
Views: 3134

Re: Compound interest for 10% interest rate?

Can someone help me how to calculate this? - investment period; 32 days - reinvested after each period - interest rate: 16%/year what will be the total interest earned after 1 year? what will be the rate? thanks four things: 1. you're saying you would invest for 32 days and get a 16% annualized ret...
by arcticpineapplecorp.
Sat Jun 15, 2019 2:14 pm
Forum: Personal Investments
Topic: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)
Replies: 16
Views: 1378

Re: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)

But since you mentioned "optimizing" I think we have to be careful to not assume making a portfolio more complex necessarily is equal to optimizing. Or a portfolio that holds Reits and/or Tips is "more optimal" than one without. Depends on your definition of "optimal", doesn't it? If you have great...
by arcticpineapplecorp.
Sat Jun 15, 2019 12:20 pm
Forum: Personal Investments
Topic: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)
Replies: 16
Views: 1378

Re: Arguments for getting more complex than three-fund portfolio? (portfolio review / first post)

don't know if this helps, but I think Rick Ferri summed it up nicely: Rick Ferri has described the investor's eductional endeavors to generally follow the following path (https://www.bogleheads.org/forum/viewtopic.php?t=250534) : A successful index fund investor goes through four phases: 1) Darkness...
by arcticpineapplecorp.
Sat Jun 15, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: "John C. Bogle Quotes" by Rick Van Ness"
Replies: 7
Views: 740

Re: "John C. Bogle Quotes" by Rick Van Ness"

thanks Taylor. Bookmarked that site. And thanks Rick for compiling that list of Mr. Bogle's sharing of his wisdom and experience.
by arcticpineapplecorp.
Fri Jun 14, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads vs Hedgefunds [or vs. venture capital]
Replies: 33
Views: 2382

Re: Bogleheads vs Hedgefunds

But Seides took the bet. He thought he could beat the S&P 500 with hedge funds. And he lost the bet. but he still believes with enough time, he could have won. He thinks Warren won simply because he got lucky. That's called overconfidence bias. If Seides had won he would have called it skill, even ...
by arcticpineapplecorp.
Fri Jun 14, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads vs Hedgefunds [or vs. venture capital]
Replies: 33
Views: 2382

Re: Bogleheads vs Hedgefunds

compounding interest is a very powerful force. So is the tyranny of compounding costs. It's hard to outperform when you're paying 2% per year (regardless of performance) and 20% of any profits. Larry Swedroe has tracked hedge funds performance in aggregate against not only the S&P500 index (as There...
by arcticpineapplecorp.
Fri Jun 14, 2019 7:05 pm
Forum: Personal Investments
Topic: PEMEX (Petróleos Mexicanos) Bonds --- investment grade --- nice yield
Replies: 9
Views: 865

Re: PEMEX (Petróleos Mexicanos) Bonds --- investment grade --- nice yield

I guess my thesis is that there is an implied governmental guarantee. Which makes these bonds better than they would be otherwise. “The credit is very difficult. Everyone is doing it because it is owned by the Mexican government. Mexico would never not support it ,” said a second senior banker of t...
by arcticpineapplecorp.
Fri Jun 14, 2019 6:52 pm
Forum: Personal Investments
Topic: From Simplicity to Complexity
Replies: 10
Views: 870

Re: From Simplicity to Complexity

don't know if this helps, but I think Rick Ferri summed it up nicely: Rick Ferri has described the investor's eductional endeavors to generally follow the following path (https://www.bogleheads.org/forum/viewtopic.php?t=250534) : A successful index fund investor goes through four phases: 1) Darkness...
by arcticpineapplecorp.
Thu Jun 13, 2019 5:49 pm
Forum: Personal Investments
Topic: "Steelmanning" the case for owning individual stocks
Replies: 75
Views: 6277

Re: "Steelmanning" the case for owning individual stocks

Rick Ferri has described the investor's eductional endeavors to generally follow the following path (https://www.bogleheads.org/forum/viewtopic.php?t=250534) : A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market re...
by arcticpineapplecorp.
Thu Jun 13, 2019 5:33 pm
Forum: Personal Investments
Topic: Expense Ratio Math Help
Replies: 9
Views: 650

Re: Expense Ratio Math Help

Can anyone tell me how I would figure out an average expense ratio, given multiple funds with different ERs? For example, if I have 75% of my portfolio in a fund with an ER of 0.03%, and 25% in a fund with an ER of 0.7% , how would I calculate my average ER? Thanks for any help that anyone can prov...
by arcticpineapplecorp.
Thu Jun 13, 2019 5:10 pm
Forum: Personal Investments
Topic: Expense Ratio Math Help
Replies: 9
Views: 650

Re: Expense Ratio Math Help

Can anyone tell me how I would figure out an average expense ratio, given multiple funds with different ERs? For example, if I have 75% of my portfolio in a fund with an ER of 0.03%, and 25% in a fund with an ER of 0.7% , how would I calculate my average ER? Thanks for any help that anyone can prov...
by arcticpineapplecorp.
Thu Jun 13, 2019 4:58 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8277

Re: What financial information do you wish was more commonly known?

MNGopher wrote:
Wed Jun 12, 2019 8:39 pm
I wish that my co-workers didn't think that variable annuities were the best way to invest for retirement.
even better...all the people who believe you can get the return of the stock market with none of the risk (equity-indexed annuities).
by arcticpineapplecorp.
Wed Jun 12, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8277

Re: What financial information do you wish was more commonly known?

the power of compounding interest. It's been said that those that understand it earn it, but those that do not, pay it. also how buying stuff doesn't make you happy. it's fleeting. It's the anticipation, not the acquisition that fires up the old neurons in the brain. everybody's selling something. ...
by arcticpineapplecorp.
Wed Jun 12, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8277

Re: What financial information do you wish was more commonly known?

the power of compounding interest. It's been said that those that understand it earn it, but those that do not, pay it. also how buying stuff doesn't make you happy. it's fleeting. It's the anticipation, not the acquisition that fires up the old neurons in the brain. everybody's selling something. ...
by arcticpineapplecorp.
Wed Jun 12, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3504

Re: Which shaving cream / oil?

i use barbasol sensitive skin. cheap. no problems. same here; but they just re-did their packaging. The can is slightly narrower and shorter but they added a large plastic cap to make it appear the same size. The contents were reduced from 7 oz to 4 oz or something like that. I believe they call th...
by arcticpineapplecorp.
Wed Jun 12, 2019 4:43 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3220

Re: Starbucks; buy, sell, hold?

just for fun here's several companies that did poorly over the past 5 years (SEARS, GE, Kodak, JC Penny). I'm sure there are many others. Yeah, I know you want to know about the next 5 years but my crystal ball is cloudy. Unfortunately, we holders of VTSAX owned these stocks too. yes but in very sm...
by arcticpineapplecorp.
Wed Jun 12, 2019 4:41 pm
Forum: Personal Investments
Topic: How to invest $10,000 for 3 years
Replies: 20
Views: 2269

Re: How to invest $10,000 for 3 years

You originally said you didn't want to lose half your money. You'd only lose half your money if you invested 100% in stocks and stocks lost 50%. So by this logic, if you invested 100% in stocks and the stock market DIDN'T lose 50% you wouldn't lose half your money. And if you invested LESS than 100...
by arcticpineapplecorp.
Tue Jun 11, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8277

Re: What financial information do you wish was more commonly known?

the power of compounding interest. It's been said that those that understand it earn it, but those that do not, pay it. also how buying stuff doesn't make you happy. it's fleeting. It's the anticipation, not the acquisition that fires up the old neurons in the brain. everybody's selling something. B...
by arcticpineapplecorp.
Tue Jun 11, 2019 9:12 pm
Forum: Personal Investments
Topic: How to invest $10,000 for 3 years
Replies: 20
Views: 2269

Re: How to invest $10,000 for 3 years

blue456 2.7% sounds fine for the short term. How much more than 2.7% were you hoping to make? Why? Do you need to? risk and return are inextricably linked as buhlaxtus stated. You could get higher return, but you'd be taking more risk. Since you need the money in the short term, you can't afford to...
by arcticpineapplecorp.
Tue Jun 11, 2019 8:56 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3220

Re: Starbucks; buy, sell, hold?

who knows? do you think people who think they know really know? are you aware of how much can go wrong in 3-5 years with any company? Nobody knows Nuthin. Because the future is unknown. You want assurances, but there are none at the end of the day. Investing in individual stocks is riskier than owni...
by arcticpineapplecorp.
Tue Jun 11, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3504

Re: Which shaving cream / oil?

i use barbasol sensitive skin. cheap. no problems.
by arcticpineapplecorp.
Tue Jun 11, 2019 8:29 pm
Forum: Personal Investments
Topic: How to invest $10,000 for 3 years
Replies: 20
Views: 2269

Re: How to invest $10,000 for 3 years

... oh good lord. You have millions in assets and you are nitpicking the return on a 10k 3 year investment? Are you trolling? if you were looking through his history and saw something about 2.5 mil...that was a post by a mrdigweed that the OP was responding to. I don't see anything in blue456's 6 p...
by arcticpineapplecorp.
Mon Jun 10, 2019 8:18 pm
Forum: Personal Investments
Topic: ETF expense ratio vs performance
Replies: 6
Views: 612

Re: ETF expense ratio vs performance

However, sometimes the ones that are slightly more expensive perform ed better. While that's not an indication of performance going forward, outperformance is sometimes significant (2-3%). welcome to the group. gotta watch your tenses because sometimes we aren't honest with ourselves. You say the m...
by arcticpineapplecorp.
Mon Jun 10, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3648

Re: Preventing Identity Theft

didn't see it yet mentioned so here goes: the bogleheads wiki has a wealth of information (pun intended). After the equifax breach the following page was set up: https://www.bogleheads.org/wiki/Credit_freeze I forward it to anyone considering freezing their credit (the only thing that stops the bad ...
by arcticpineapplecorp.
Mon Jun 10, 2019 5:04 pm
Forum: Personal Investments
Topic: Tax-managed Vanguard Funds
Replies: 10
Views: 1115

Re: Tax-managed Vanguard Funds

welcome to the group: from the wiki link you provided: https://www.bogleheads.org/wiki/Tax-managed_fund_comparison I like the opening part here: Vanguard offers three mutual funds which are explicitly tax-managed. However, index funds and exchange-traded funds (ETFs) are inherently tax-efficient, an...
by arcticpineapplecorp.
Mon Jun 10, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: 22 Years Old - Which credit card to begin with?
Replies: 44
Views: 2990

Re: 22 Years Old - Which credit card to begin with?

2. make sure your utilization rate is 30% or less. If you have one credit card with a $5000 limit, don't have an outstanding balance of more than $1500 at any time. If you are at risk of doing this, sign up for more cards (but don't use them). I use 1% of my available credit because I have 7 credit...