Search found 8168 matches

by arcticpineapplecorp.
Fri Jul 30, 2021 11:29 am
Forum: Personal Investments
Topic: Tried to buy VWIUX in tIRA at Fidelity online and got denied
Replies: 13
Views: 1121

Re: Tried to buy VWIUX in tIRA at Fidelity online and got denied

since you're trying to buy a tax free investment in a tax free account I thought it would be worth mentioning:

don't buy a tax deferred annuity in a tax deferred account. (happens all the time to older/uninitiated people)
by arcticpineapplecorp.
Fri Jul 30, 2021 11:16 am
Forum: Investing - Theory, News & General
Topic: Why does a stock’s price seem to fall after it beats expectations?
Replies: 7
Views: 457

Re: Why does a stock’s price seem to fall after it beats expectations?

Think about the following conversation:

Q: How's business going?
A: Amazing. We beat expectations. Business has been great. I don't see how it can get any better.

Would a business that "can't get any better" be a business you'd want to buy or sell?
by arcticpineapplecorp.
Thu Jul 29, 2021 7:27 pm
Forum: Personal Investments
Topic: Single stock non-inheritance windfall – $440k of ORLY all in my name
Replies: 33
Views: 3076

Re: Single stock non-inheritance windfall – $440k of ORLY all in my name

Real shame it wasn't purchased in a Roth IRA. The Roth IRA limit was only $2,000 in 1998. not to mention that the OP would have had to have earnings in 1998 equal to the Roth limit at that time. Was he old enough to work? If he's in his early 30's now and 1998 was 23 years ago...well, you can do th...
by arcticpineapplecorp.
Thu Jul 29, 2021 4:50 pm
Forum: Personal Investments
Topic: Single stock non-inheritance windfall – $440k of ORLY all in my name
Replies: 33
Views: 3076

Re: Single stock non-inheritance windfall – $440k of ORLY all in my name

Are there any tax implications I need to be aware of now that I am in full possession of these shares? What steps do I take to re-invest these shares in index funds, other stocks, bonds, etc? I legitimately do not know the basics of buying and selling stocks Is there a way to use a Roth IRA to my a...
by arcticpineapplecorp.
Thu Jul 29, 2021 4:19 pm
Forum: Investing - Theory, News & General
Topic: [Are You A Market Timer?]
Replies: 23
Views: 1802

Re: [Are You A Market Timer?]

Paul Merriman has said for years he is a buy and holder with 50% of his portfolio and a market timer with the other 50% of his portfolio (believe he uses 200 moving day average). He has a mechanical strategy for his market timing, doesn't deviate, and it's managed by a professional (not himself). Wh...
by arcticpineapplecorp.
Thu Jul 29, 2021 9:24 am
Forum: Investing - Theory, News & General
Topic: Direct Indexing Popularizing
Replies: 4
Views: 569

Re: Direct Indexing Popularizing

How do direct indexing products handle portability (moving to another brokerage), and capital gains reporting on tax returns? they talked briefly here: Please use the sharing tools found via the share button at the top or side of articles. Copying articles to share with others is a breach of FT.com...
by arcticpineapplecorp.
Wed Jul 28, 2021 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: K-12 Financial Literacy
Replies: 22
Views: 1881

Re: K-12 Financial Literacy

fortfun wrote: Tue Mar 05, 2019 8:20 pm I like the information that I found here:
https://www.smartaboutmoney.org/

SAM. Smart About Money. NOT backed by a bank, etc.
This website's coming down on July 31st.
by arcticpineapplecorp.
Wed Jul 28, 2021 3:29 pm
Forum: Personal Consumer Issues
Topic: [Need a product to deter chickens from being in flower beds]
Replies: 30
Views: 1380

Re: Chicken be gone!

No but I thought this was going to be another "Should I lump sum?" type question. My friend used to have one and it would fly over the fence into the neighbor's yard.
by arcticpineapplecorp.
Tue Jul 27, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: Home Printer?
Replies: 37
Views: 2318

Re: Home Printer?

Google “Brother printer toner hack” for a way to extend the life of Brother laser printer toner cartridges. thanks for the tip. will try that. just bought a brother black only laser and wished I had a long time ago. never buy another inkjet again. my brother laser printer was $99 cheaper than my in...
by arcticpineapplecorp.
Tue Jul 27, 2021 3:25 pm
Forum: Personal Investments
Topic: Conservative Dividend Investing
Replies: 32
Views: 2583

Re: Conservative Dividend Investing

... Linde, 3M, JNJ, Union Pacific etc. ... What are your opinions? I've known people who invested this way, but you have to be willing to walk away from a real dud, if you happen to own one. Look at the long term results for GE, which would have been on your list 20 or 30 years ago. The dividend no...
by arcticpineapplecorp.
Mon Jul 26, 2021 11:26 am
Forum: Personal Investments
Topic: Advice on possible elder abuse?
Replies: 19
Views: 1623

Re: Advice on possible elder abuse?

but also fear of how many other seniors are being pillaged like this. only thing to add is there are different ranges of pillaging. While he did worse than had he used low cost index funds, he still can get access to his money. I've seen people who were convinced to buy variable and indexed annuiti...
by arcticpineapplecorp.
Mon Jul 26, 2021 10:28 am
Forum: Investing - Theory, News & General
Topic: Why didn't John C. Bogle include a "funny money" strategy in the 2017 edition of "The Little Book?"
Replies: 24
Views: 2339

Re: Why didn't John C. Bogle include a "funny money" strategy in the 2017 edition of "The Little Book?"

To be clear, are we now saying it is Boglehead approved to have 5% of ones portfolio invested in whatever high risk investment of their choice with the full understanding it could go to zero, while still maintaining a 95% "safe" 3-fund portfolio? NO. According to Bogle, the 5% is to be ke...
by arcticpineapplecorp.
Sun Jul 25, 2021 11:15 am
Forum: Investing - Theory, News & General
Topic: Why didn't John C. Bogle include a "funny money" strategy in the 2017 edition of "The Little Book?"
Replies: 24
Views: 2339

Re: Why didn't John C. Bogle include a "funny money" strategy in the 2017 edition of "The Little Book?"

i don't know. but if we started referring to it as "toilet money" instead (as in money that will likely go down the drain) would people view that part of their money they're playing mental accounting games with differently? could the publisher talked him out of reprinting that part of the ...
by arcticpineapplecorp.
Sun Jul 25, 2021 10:19 am
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 57
Views: 4319

Re: any reason NOT to get my catalytic converter etched through my local police dept

thanks all. we decided not to go yesterday. and no, i don't have any outstanding warrants for my arrest.
by arcticpineapplecorp.
Sat Jul 24, 2021 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Term life Vs. whole life
Replies: 64
Views: 4592

Re: Term life Vs. whole life

I spoke to my insurance guy and he said as you get longer terms the premiums go higher, and he ran the number for me. Question: 1) whole life v. Term life - what’s your take? 2) who is a good credible insurance company? (Do you actually have it with them, and your experience?) 3) would you take 10/...
by arcticpineapplecorp.
Sat Jul 24, 2021 1:10 pm
Forum: Investing - Theory, News & General
Topic: Waiting for 10% market pullback, to do conversion
Replies: 52
Views: 7082

Re: Waiting for 10% market pullback, to do conversion

what if it goes down 7% like it did in 2019 and you wait and the market goes up (went up 29% that year, see pretty picture below): https://i.postimg.cc/RFMsxJ5R/intrayear.jpg what if the market drops 10% and you convert, and then the market falls further like it did last year (down 34% according to ...
by arcticpineapplecorp.
Fri Jul 23, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 57
Views: 4319

Re: any reason NOT to get my catalytic converter etched through my local police dept

thanks for your thoughts/explanations. so basically windowdressing. good to know.
by arcticpineapplecorp.
Fri Jul 23, 2021 5:39 pm
Forum: Personal Investments
Topic: Are fiduciary's actually trustworthy?
Replies: 58
Views: 4610

Re: Are fiduciary's actually trustworthy?

Thanks for all the information. I just looked him up on adviser info. [personally identifiable link removed by admin LadyGeek] It seems he is indeed an Investment Adviser, which seems to imply that he is indeed a fiduciary. https://en.wikipedia.org/wiki/Financial_adviser#Fiduciary_standard don't as...
by arcticpineapplecorp.
Fri Jul 23, 2021 5:33 pm
Forum: Personal Investments
Topic: Are fiduciary's actually trustworthy?
Replies: 58
Views: 4610

Re: Are fiduciary's actually trustworthy?

hnd wrote: Fri Jul 23, 2021 5:32 pm just an FYI i believe all lawyers are "Fiduciaries" so take that for what its worth.
so fiduciary tells you nothing about competence.
by arcticpineapplecorp.
Fri Jul 23, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating (Apartment) Utility Costs
Replies: 3
Views: 338

Re: Estimating (Apartment) Utility Costs

most expensive thing I find is electric baseboard heat and oil heat. I'd avoid that if at all possible.

you can reduce electricity by getting L.E.D. lights and energy efficient appliances.

can you shop for utility suppliers? We can shop for electricity and gas here. That can lower the cost.
by arcticpineapplecorp.
Fri Jul 23, 2021 5:28 pm
Forum: Personal Consumer Issues
Topic: any reason NOT to get my catalytic converter etched through my local police dept
Replies: 57
Views: 4319

any reason NOT to get my catalytic converter etched through my local police dept

My municipality is hosting a catalytic converter theft prevention (2nd annual) first come first serve for 4 hours. It's done in conjunction with the police department and will be done at the Public Works Garage. It's free of charge. This is an attempt to reduce the number of catalytic converters sto...
by arcticpineapplecorp.
Fri Jul 23, 2021 4:25 pm
Forum: Personal Investments
Topic: Are fiduciary's actually trustworthy?
Replies: 58
Views: 4610

Re: Are fiduciary's actually trustworthy?

if he's pushing whole life he's not a fiduciary, he's an insurance salesman. The insurance industry is not subject to any such fiduciary standard. I'd consider reporting him to your state's insurance commission considering he's falsely promoting himself as something he's not (a fiduciary). problem i...
by arcticpineapplecorp.
Fri Jul 23, 2021 4:19 pm
Forum: Personal Investments
Topic: Being more liquid
Replies: 9
Views: 913

Re: Being more liquid

Not changing mix based on TV guy, just thinking maybe what I've always done should be altered. Maybe at my age more conservative approach is best. Thought for some time about Vanguard money market funds but don't know. a money market acct is basically a cash account. you'll lose purchasing power in...
by arcticpineapplecorp.
Fri Jul 23, 2021 1:31 pm
Forum: Personal Investments
Topic: Being more liquid
Replies: 9
Views: 913

Re: Being more liquid

Saw Art Laffer on Fox business. He said he was as liquid as he could be, staying only in stocks he had to because he was on the board of companies. I'm 71 and have a 60/40 mix. Does it make sense to get down to say 30/30 with the rest in some fund that is more fixed? Also, what would those Vanguard...
by arcticpineapplecorp.
Wed Jul 21, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment Income Tax Refund
Replies: 39
Views: 3378

Re: Unemployment Income Tax Refund

Also vita volunteer here. My girlfriend got hers either end of May or beginning of June. :happy
by arcticpineapplecorp.
Mon Jul 19, 2021 8:35 pm
Forum: Personal Investments
Topic: [Buying S&P 500 Index Fund - Fidelity or Vanguard?]
Replies: 72
Views: 6884

Re: Index Fund

ETF is probably better for two reasons: 1- It's a taxable account and ETFs are more tax efficient. https://www.bogleheads.org/wiki/Exchange-traded_fund#Taxes Edit: Looking at both at Vanguard, however, both the ETF and the Mutual Fund seem to have the same tax efficiency. thanks for editing. I was ...
by arcticpineapplecorp.
Mon Jul 19, 2021 3:05 pm
Forum: Investing - Theory, News & General
Topic: Revisiting Ron Barron prediction (DJIA) by 2023
Replies: 13
Views: 1822

Re: Revisiting Ron Barron prediction (DJIA) by 2023

can't find any predictions. only found this: Interview conducted by Alexandra Zendrian, Sept. 7, 2010 Forbes: How would you describe your investment strategy, and how is it holding up in this market? Ron Baron: The strategy is that everything we do is long-term. We invest in a world that's focused a...
by arcticpineapplecorp.
Mon Jul 19, 2021 11:58 am
Forum: Forum Issues and Administration
Topic: Apple Bot
Replies: 7
Views: 795

Re: Apple Bot

what, no duck duck go bot?
by arcticpineapplecorp.
Mon Jul 19, 2021 11:57 am
Forum: Investing - Theory, News & General
Topic: I'm buying VYM High Div Yield
Replies: 24
Views: 2045

Re: I'm buying VYM High Div Yield

not sure why you want high yield if it's a taxable account. you're going to generate more, not less taxable events. is that part of your strategy?
by arcticpineapplecorp.
Mon Jul 19, 2021 10:44 am
Forum: Forum Issues and Administration
Topic: Apple Bot
Replies: 7
Views: 795

Re: Apple Bot

good eye. i see that too. it's the only link in "who is online" that is not clickable:
index.php
by arcticpineapplecorp.
Mon Jul 19, 2021 10:43 am
Forum: Investing - Theory, News & General
Topic: Revisiting Ron Barron prediction (DJIA) by 2023
Replies: 13
Views: 1822

Re: Revisiting Ron Barron prediction (DJIA) by 2023

Mentions of the DJIA should be banned (ok I don't mean that literally). It's an utterly meaningless index that goes by share price. UnitedHealth, for example, counts about 3x as much in the DJIA as JP Morgan Chase, even though the latter has a larger market capitalization. +1 https://www.npr.org/se...
by arcticpineapplecorp.
Mon Jul 19, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: PBS FRONTLINE: The Power of the Fed
Replies: 46
Views: 5072

Re: PBS FRONTLINE: The Power of the Fed

already being discussed here: https://www.bogleheads.org/forum/viewtopic.php?t=353855&p=6126357 let the search bar be your friend. Ah, I see! Then again "Stocks as Safe Haven" is not a topic subject heading that's likely to attract the attention of this Fed watcher. :wink: that's true...
by arcticpineapplecorp.
Mon Jul 19, 2021 9:24 am
Forum: Investing - Theory, News & General
Topic: Revisiting Ron Barron prediction (DJIA) by 2023
Replies: 13
Views: 1822

Re: Revisiting Ron Barron prediction (DJIA) by 2023

14000 to 30000 in 10 years is a tad over 7% annualized. Add in approx 2% dividends and you are at 9%. 9% annualized is well within historical norms, considering 2013 was only a few years after great recession market lows. The Dow doesn't take dividends into consideration. It's a share price index: ...
by arcticpineapplecorp.
Mon Jul 19, 2021 9:18 am
Forum: Investing - Theory, News & General
Topic: PBS FRONTLINE: The Power of the Fed
Replies: 46
Views: 5072

Re: PBS FRONTLINE: The Power of the Fed

already being discussed here:
viewtopic.php?t=353855&p=6126357

let the search bar be your friend.
by arcticpineapplecorp.
Sun Jul 18, 2021 8:24 pm
Forum: Investing - Theory, News & General
Topic: What would happen if a person owned the Total Market and pull out their profit each year putting it in a saving account.
Replies: 53
Views: 6197

Re: What would happen if a person owned the Total Market and pull out their profit each year putting it in a saving acco

Interesting. So in other words the 4% rule would result in failure. Probably be better off pulling the profit out each year and buying cat food instead of putting it in a savings account. You will need the cat food to survive in your later years. who said anything about the 4% rule? If he started w...
by arcticpineapplecorp.
Sun Jul 18, 2021 5:51 pm
Forum: Personal Consumer Issues
Topic: Pickleball Rule Question
Replies: 20
Views: 2290

Re: Pickleball Rule Question

Ice-9 wrote: Fri Jul 16, 2021 4:03 pm
NewMoneyMustBeSmart wrote: Fri Jul 16, 2021 4:00 pm Not sure, but I'd recommend VTI or VOO.
The advice on this forum is very reliable. :D
if not consistent.
by arcticpineapplecorp.
Sun Jul 18, 2021 5:18 pm
Forum: Investing - Theory, News & General
Topic: PBS FRONTLINE: The Power of the Fed
Replies: 46
Views: 5072

Re: Stocks as Safe Haven

Maybe Mr. and Mrs. Stock Market get tired of being in a bubble and decide to vacate the premises for greener pastures, leaving more sellers than buyers and thus lower stock market prices. for every seller there must be a buyer. For every buyer there must be a seller. it is the new price at which bu...
by arcticpineapplecorp.
Sun Jul 18, 2021 4:17 pm
Forum: Investing - Theory, News & General
Topic: PBS FRONTLINE: The Power of the Fed
Replies: 46
Views: 5072

Re: Stocks as Safe Haven

Maybe Mr. and Mrs. Stock Market get tired of being in a bubble and decide to vacate the premises for greener pastures, leaving more sellers than buyers and thus lower stock market prices. for every seller there must be a buyer. For every buyer there must be a seller. it is the new price at which bu...
by arcticpineapplecorp.
Sat Jul 17, 2021 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tax planning
Replies: 2
Views: 441

Re: Tax planning

Individual 401k/SEP IRA/SIMPLE IRA:
https://investor.vanguard.com/small-bus ... comparison
by arcticpineapplecorp.
Sat Jul 17, 2021 7:53 pm
Forum: Investing - Theory, News & General
Topic: Do Indexers even need to pay attention to market valuation?
Replies: 192
Views: 16132

Re: Do Indexers even need to pay attention to market valuation?

what does your IPS tell you to do: https://www.bogleheads.org/wiki/Investment_policy_statement If you have stocks and bonds, you just keep selling stocks as they continue to go higher and rebalance into bonds. If you're asking if one should change their allocation due to valuations, I say no, have a...
by arcticpineapplecorp.
Sat Jul 17, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Half of maximum social security
Replies: 3
Views: 698

Re: Half of maximum social security

According to the Social Security Administration (SSA), the maximum monthly Social Security benefit that an individual who files a claim for Social Security retirement benefits in 2021 can receive per month is as follows: $3,895 for someone who files at age 70 $3,113 for someone who files at full re...
by arcticpineapplecorp.
Sat Jul 17, 2021 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What to do if robbed overseas?
Replies: 53
Views: 4038

Re: What to do if robed overseas?

Internationally, always used a money belt and had a little "spending money" in a separate pocket (see Rick Steves recommendation: https://www.ricksteves.com/travel-tips/theft-scams/travel-moneybelt ) Even Rick Steves got pickpocketed: Rick Steves Gives Great Advice After Being Pickpockete...
by arcticpineapplecorp.
Sat Jul 17, 2021 8:27 am
Forum: Personal Finance (Not Investing)
Topic: About to have 1st grand daughter. Please advise
Replies: 30
Views: 3102

Re: About to have 1st grand daughter. Please advise

you can make her rich for $1 a day. Or buy her 10 years of her retirement for just $3650. Here's how: https://www.marketwatch.com/story/make-your-kid-rich-for-1-a-day-2014-08-13 https://www.marketwatch.com/story/how-to-buy-10-years-of-retirement-for-3650-2020-09-09 other than that, 529 is a good cho...
by arcticpineapplecorp.
Fri Jul 16, 2021 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are ETFs?
Replies: 19
Views: 1309

Re: What are ETFs?

...An ETF is a fund that holds a collection of assets and is traded on the market, and investors buy or sell from another shareholder on the stock exchange... ETFs are like mutual funds in that they hold a collection of assets, usually stocks, bonds or other securities .... https://www.bogleheads.o...
by arcticpineapplecorp.
Thu Jul 15, 2021 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Working after Financial Independence
Replies: 273
Views: 20228

Re: Working after Financial Independence

congrats Klangfool on getting rehired. Nice to know you have the flexibility to retire early (RE) because you're financially independent (FI). Wait, is that REFI?
by arcticpineapplecorp.
Thu Jul 15, 2021 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Have tenants been paying rent?
Replies: 16
Views: 2769

Re: Have tenants been paying rent?

In normal times the tenant decides if/when you get paid. Is that better? Sometimes your tenant's employer decides if/when you get paid, I.e. your tenant can lose their job. You think you're getting paid then? If you don't like the idea of not getting paid, don't be a landlord. A lot more straightfo...
by arcticpineapplecorp.
Thu Jul 15, 2021 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Have tenants been paying rent?
Replies: 16
Views: 2769

Re: Have tenants been paying rent?

In normal times the tenant decides if/when you get paid. Is that better?

Sometimes your tenant's employer decides if/when you get paid, I.e. your tenant can lose their job. You think you're getting paid then?

If you don't like the idea of not getting paid, don't be a landlord.
by arcticpineapplecorp.
Thu Jul 15, 2021 4:11 pm
Forum: Personal Consumer Issues
Topic: Problems with the nanny
Replies: 25
Views: 1731

Re: Problems with the nanny

not only would i not want to take the risk for my family but from an economic stance I wouldn't want to reward a behavior that creates an unsafe situation. That is, unless there is a good reason for her not getting the jab (suchg as allergy or religious reasons). is it likely she's going to be safer...
by arcticpineapplecorp.
Thu Jul 15, 2021 3:51 pm
Forum: Personal Investments
Topic: How to decide if/when to sell a position?
Replies: 51
Views: 3283

Re: How to decide if/when to sell a position?

similar to what Klangfool stated: Ask yourself: If I didn't own the number of shares in cisco (or whatever) would I go out right now and buy those same shares (invest the same amount of money)? 1. If the answer is no, then why are you holding them? 2. If the answer is yes, then why aren't you backin...
by arcticpineapplecorp.
Thu Jul 15, 2021 3:45 pm
Forum: Personal Investments
Topic: How to decide if/when to sell a position?
Replies: 51
Views: 3283

Re: How to decide if/when to sell a position?

If you need the money, naturally you should sell. If you don't need the money and the Cisco position is not a large fraction of your investment portfolio, then you could keep it and look at it as your lottery ticket. Investing on the S&P500 is not going to give you 10x returns (unless you wait ...