Search found 7794 matches

by arcticpineapplecorp.
Sun Apr 18, 2021 4:04 pm
Forum: Personal Investments
Topic: When to take Social Security when a pension is linked to it
Replies: 17
Views: 1474

Re: When to take Social Security when a pension is linked to it

If you have to live to 88+ to break even, then this seems like a "no brainer." Just take it at 67. If you live beyond 88, then so be it. Also, if you take it at 67, you could invest the $42K each year for three years until 70. But I would suggest spend the whole thing and live it up. By t...
by arcticpineapplecorp.
Sun Apr 18, 2021 3:48 pm
Forum: Investing - Theory, News & General
Topic: Confused on Interest Rates and Bond Returns
Replies: 6
Views: 677

Re: Confused on Interest Rates and Bond Returns

Could it be that the pension fund is assuming a certain rate of return which is easier to achieve when bonds are earning 4 or 5% rather than 1 or 2%?
by arcticpineapplecorp.
Sun Apr 18, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: Is passive investing leading to bigger market inefficiencies?
Replies: 31
Views: 2248

Re: Is passive investing leading to bigger market inefficiencies?

Good luck with that then. Let us know how that goes. I'll stick with my boring investments and leave the excitement to you. I only invest in boring index funds as you do, but we need to acknowledge that the reason why we can do it is that other people are doing the dirty job of asset pricing for us...
by arcticpineapplecorp.
Sun Apr 18, 2021 10:54 am
Forum: Investing - Theory, News & General
Topic: Is passive investing leading to bigger market inefficiencies?
Replies: 31
Views: 2248

Re: Is passive investing leading to bigger market inefficiencies?

if so, then isn't this a self correcting problem? Yes, but perhaps the time scale of self-correction might be long enough for the best active investors to outperform easily enough for it to be worthy. Good luck with that then. Let us know how that goes. I'll stick with my boring investments and lea...
by arcticpineapplecorp.
Sat Apr 17, 2021 9:00 pm
Forum: Investing - Theory, News & General
Topic: Is passive investing leading to bigger market inefficiencies?
Replies: 31
Views: 2248

Re: Is passive investing leading to bigger market inefficiencies?

if the market is inefficient then won't more people stop passively investing to instead arbitrage those inefficiencies in an active strategy?

if so, then isn't this a self correcting problem?
by arcticpineapplecorp.
Fri Apr 16, 2021 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer advice needed
Replies: 24
Views: 1745

Re: Job offer advice needed

just heard this:
https://themoth.org/stories/double-whammy
Aditya Dakshinamourtay learns a lesson about negotiating.
by arcticpineapplecorp.
Fri Apr 16, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next for our savings after maxing out everything?
Replies: 44
Views: 3461

Re: What to do next for our savings after maxing out everything?

JHU ALmuni wrote: Fri Apr 16, 2021 5:23 pm Bitcoin.
said someone who wants others to prop up his/her bitcoin?
by arcticpineapplecorp.
Fri Apr 16, 2021 9:26 pm
Forum: Investing - Theory, News & General
Topic: Long Term Gains vs. Adjusting portfolio
Replies: 6
Views: 509

Re: Long Term Gains vs. Adjusting portfolio

if you don't want to generate the cap gains tax you could: 1. change dividends/cap gains to cash (turn off reinvestment of cap gains and dividends) 2. use dividends generated from these funds to buy the vtsax/vtiax 3. keep the current shares to: a. donate now or later b. gift to children later (the...
by arcticpineapplecorp.
Fri Apr 16, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - How America Invests
Replies: 28
Views: 3248

Re: Vanguard - How America Invests

Vanguard households trade infrequently Fewer than one-quarter of Vanguard households trade in any given year, and those that do typically only trade twice. Most traders’ behavior is consistent with rebalancing or is professionally advised... Trading and product holdings are correlated: Households w...
by arcticpineapplecorp.
Fri Apr 16, 2021 9:05 pm
Forum: Investing - Theory, News & General
Topic: Long Term Gains vs. Adjusting portfolio
Replies: 6
Views: 509

Re: Long Term Gains vs. Adjusting portfolio

if you don't want to generate the cap gains tax you could: 1. change dividends/cap gains to cash (turn off reinvestment of cap gains and dividends) 2. use dividends generated from these funds to buy the vtsax/vtiax 3. keep the current shares to: a. donate now or later b. gift to children later (the...
by arcticpineapplecorp.
Fri Apr 16, 2021 8:58 pm
Forum: Investing - Theory, News & General
Topic: Total market investors, do you feel comfortable with only a handful of companies at the top?
Replies: 44
Views: 3499

Re: Total market investors, do you feel comfortable with only a handful of companies at the top?

I wasn't sure how to phrase this, but one thing I noticed from reading this article (https://ercouncil.org/2019/top-ten-companies-by-market-cap-over-20-years/) is that the total market cap of the largest companies in the index relative to the rest of the index seems to be the highest in history. Ad...
by arcticpineapplecorp.
Fri Apr 16, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 51
Views: 3888

Re: Selling old car - CarMax etc.

have you looked at how much you'd get for trade in where you're buying your new car (assuming your replacing)? I'm surprised you got a lower offer from carvana than carmax. my mom's experience was the opposite, but oh well. She had offer from carmax in hand, but I'm not sure if she needed to present...
by arcticpineapplecorp.
Fri Apr 16, 2021 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next for our savings after maxing out everything?
Replies: 44
Views: 3461

Re: What to do next for our savings after maxing out everything?

https://www.bogleheads.org/wiki/Prioritizing_investments Funding priority Here is a general account funding priority that often works well for many people (not all points will apply to everyone): Establish an emergency fund to your satisfaction. If you have many other high financial priorities (like...
by arcticpineapplecorp.
Fri Apr 16, 2021 3:23 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 40
Views: 2301

Re: Market Timing Change

if the stock market was due for a 10% decline and you have 50% in stocks, then that would be a 5% total decline. if that's a concern to you, then you shouldn't be 50/50. maybe you'd think 5%, huh? well that's nothing. but then you have to look at 5% of what? your overall portfolio. if you have $1 mi...
by arcticpineapplecorp.
Fri Apr 16, 2021 12:59 pm
Forum: Personal Investments
Topic: New 60/40 idea any good?
Replies: 10
Views: 1730

Re: New 60/40 idea any good?

No index annuities. Don’t even get us started on these evil products. Please do tell. My understanding of an Index annuity is that if the market crashes you lose nothing and if the market rallies in a year, you get some of the upside. Return is typically better than a CD over most years and I am th...
by arcticpineapplecorp.
Fri Apr 16, 2021 7:08 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 225
Views: 12263

Re: What’s the problem with dividends?

... I also have family with total market index funds. The dividend income is more than enough to retire from. ... The yield on total market index fund is about 1.3%. If you can live on a 1.3% withdrawal rate, just about any strategy will work. this is only true if you assume: 1. you never withdrawa...
by arcticpineapplecorp.
Thu Apr 15, 2021 9:11 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2233

Re: local dealers offering to buy car for more than you paid?

not with regularity, but it can. I think used Prius were going for more than new ones in early production because there weren't enough prius' to meet demand. Not sure that's the case anymore.
by arcticpineapplecorp.
Thu Apr 15, 2021 9:09 pm
Forum: Investing - Theory, News & General
Topic: Stable stocks
Replies: 21
Views: 1007

Re: Stable stocks

What are some extremely stable (not inflated) stocks that pay a modest dividend that are not affected by market corrections or movements? I have large cash holdings that lose money on all current CD or HISA bank options from inflation, and I want to stash this in a stable utility type company that ...
by arcticpineapplecorp.
Thu Apr 15, 2021 6:26 pm
Forum: Investing - Theory, News & General
Topic: Stable stocks
Replies: 21
Views: 1007

Re: Stable stocks

What are some extremely stable (not inflated) stocks that pay a modest dividend that are not affected by market corrections or movements? I have large cash holdings that lose money on all current CD or HISA bank options from inflation, and I want to stash this in a stable utility type company that ...
by arcticpineapplecorp.
Thu Apr 15, 2021 6:23 pm
Forum: Personal Investments
Topic: Bond Allocation
Replies: 3
Views: 548

Re: Bond Allocation

depends upon the level of risk you want, and time horizon, however, there are risks with short term bonds too: https://www.forbes.com/sites/rickferri/2014/07/02/the-risk-of-short-term-bond-funds/?sh=5ba5b35bf67b nothing wrong total bond index. just understand how it's likely to perform when interest...
by arcticpineapplecorp.
Thu Apr 15, 2021 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal government not taking taxes as scheduled
Replies: 21
Views: 1893

Re: Federal government not taking taxes as scheduled

there was a similar post about this yesterday on bogleheads (similar problem). I'll look (haven't found it yet). perhaps someone will find it.
by arcticpineapplecorp.
Thu Apr 15, 2021 7:44 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 225
Views: 12263

Re: What’s the problem with dividends?

Kenneth French has studied the dividend phenomenon and has documented that, historically, dividend paying stocks have provided higher total returns , with lower standard deviation of those returns, compared to non-dividend paying stocks. This may be a case of investors being willing to pay a higher...
by arcticpineapplecorp.
Thu Apr 15, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 225
Views: 12263

Re: What’s the problem with dividends?

Why do so many folks on here find dividend income undesirable if one needs income? Qualified dividends have the same tax rate as long term capital gains, so what difference does it make whether the income comes from selling appreciated assets or from dividends? Dividends are WORSE than selling the ...
by arcticpineapplecorp.
Wed Apr 14, 2021 9:23 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 103
Views: 5511

Re: thinking about adding some REIT

sorry for the confusion. i'm retiring but my wife is going to continue to work for 4 more years. his comment about the reit because i was talking to him about now that i'm in 60/40 things to think about if we have a long recovery like we did from 99-10. I was reading about murdoch today and he said...
by arcticpineapplecorp.
Wed Apr 14, 2021 7:16 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 103
Views: 5511

Re: thinking about adding some REIT

Do you have a reason for buying REITs other than a comment from your advisor? I find his stated rationale ("you have cash"), while it might be a good point to invest in *something*, I find the pivot to REITs, *specifically*, to be worthy of more elaboration for investing in a particular s...
by arcticpineapplecorp.
Wed Apr 14, 2021 4:05 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 103
Views: 5511

Re: thinking about adding some REIT

thanks for the fund information. i said i would think about it. up to january i was 90% stocks US based and 10% bonds. i've shifted to 60/40 and sleep better that's for sure but i should be opening up to shifting to some international (europe) and some REIT. He was telling me i should look for reit...
by arcticpineapplecorp.
Wed Apr 14, 2021 3:49 pm
Forum: Investing - Theory, News & General
Topic: Buying Coinbase is more diversified than buying Bitcoin?
Replies: 20
Views: 1613

Re: Buying Coinbase is more diversified than buying Bitcoin?

did you hear the interview with Bill Bernstein on Saturday about his new book "The Delusions of Crowds: Why People go mad in groups"? Have you read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. No. gu...
by arcticpineapplecorp.
Wed Apr 14, 2021 2:12 pm
Forum: Investing - Theory, News & General
Topic: Retirement Rebalancing
Replies: 4
Views: 576

Re: Retirement Rebalancing

If YTD return equals annual withdrawal amount do I harvest gains or continue to evaluate any rebalancing based on AA tolerance bands? First year in retirement and deciding whether an additional year of expenses gained is worth harvesting in tax deferred accounts. 1. tax deferred accounts will requi...
by arcticpineapplecorp.
Wed Apr 14, 2021 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

That said, the capital gains estimator is still broken. When I reduce the "taxable income" in the cap gains estimator to $135,200, it still shows a $12k capital gains tax, taxing all $80k of the gains instead of the first $24,800 falling into the 0% LTCG bracket. In fact, if I input $80,0...
by arcticpineapplecorp.
Wed Apr 14, 2021 2:01 pm
Forum: Investing - Theory, News & General
Topic: Buying Coinbase is more diversified than buying Bitcoin?
Replies: 20
Views: 1613

Re: Buying Coinbase is more diversified than buying Bitcoin?

did you hear the interview with Bill Bernstein on Saturday about his new book "The Delusions of Crowds: Why People go mad in groups"? Have you read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. No. I'...
by arcticpineapplecorp.
Wed Apr 14, 2021 1:58 pm
Forum: Investing - Theory, News & General
Topic: Buying Coinbase is more diversified than buying Bitcoin?
Replies: 20
Views: 1613

Re: Buying Coinbase is more diversified than buying Bitcoin?

three answers: I was waiting for your disapproval before deciding to buy. 1. did you read this: Wall Street analysts and Bitcoin-loving investors are forecasting that Coinbase could debut at a $100 billion valuation. To justify that number, the math shows, Coinbase would need to mushroom into the b...
by arcticpineapplecorp.
Wed Apr 14, 2021 1:51 pm
Forum: Investing - Theory, News & General
Topic: Retirement Rebalancing
Replies: 4
Views: 576

Re: Retirement Rebalancing

If YTD return equals annual withdrawal amount do I harvest gains or continue to evaluate any rebalancing based on AA tolerance bands? First year in retirement and deciding whether an additional year of expenses gained is worth harvesting in tax deferred accounts. 1. tax deferred accounts will requi...
by arcticpineapplecorp.
Wed Apr 14, 2021 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...
by arcticpineapplecorp.
Wed Apr 14, 2021 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...
by arcticpineapplecorp.
Wed Apr 14, 2021 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

Looks to me like taxcaster asks for "taxable wages" ...I didn't go beyond that, but are they assuming you already subtracted out your standard deduction...back of the envelope math says every extra dollar would get taxed at 22% plus push a dollar into 15% cap gains, for a 37% bracket....3...
by arcticpineapplecorp.
Wed Apr 14, 2021 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How to settle on a fee with a Tax Preparer
Replies: 4
Views: 381

Re: How to settle on a fee with a Tax Preparer

Hi Bogleheads, I have been doing my own taxes for many years but recently they've gotten just slightly more complex due to having a Trust. In general I feel like I have less time to do taxes since I am busy with my kids now too. So I am thinking of using a tax preparer, but I am not sure how I woul...
by arcticpineapplecorp.
Wed Apr 14, 2021 11:46 am
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

However, if you plug in $80k ltcg and $160,000 total income combined with earned and ltcg (or even enter $135,200 total taxable income (i.e., line 15 on 1040), the amount after standard deduction) turbo tax cap gains calculator shows "estimated" $12,000 in cap gains tax (15%). This seems ...
by arcticpineapplecorp.
Wed Apr 14, 2021 11:38 am
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

What age did you use for the tax-payers? Since the standard deduction is different for over 65, maybe that could explain it? 49. was assuming the person was under 65. either way I don't think the numbers would be that different. the cap gains calculator at turbo tax doesn't ask age. the taxcaster d...
by arcticpineapplecorp.
Wed Apr 14, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

Re: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

retiredjg wrote: Wed Apr 14, 2021 11:24 am Could one of the estimators be using 2021 numbers while the TaxSlayer practice lab is using 2020 numbers?
possible but i don't think so. if you look at taxcaster and the cap gains tax calculator at turbotax they both indicate 2020
by arcticpineapplecorp.
Wed Apr 14, 2021 11:05 am
Forum: Personal Finance (Not Investing)
Topic: anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?
Replies: 20
Views: 692

anyone know why the answers are so different between taxcaster and turbo taxes cap gains tax calcuator?

I recently heard a question on talking real money here at the 8:24 mark (https://www.talkingrealmoney.com/talking-real-money/2021/4/7/free-steak-dinners-are-back) that went like this: 1. MFJ 2. $80,000 earned income 3. wants to know if has additional $80,000 in long term cap gains will there be any ...
by arcticpineapplecorp.
Tue Apr 13, 2021 9:18 pm
Forum: Investing - Theory, News & General
Topic: How to Compare Active Managed fund to Passive
Replies: 25
Views: 1703

Re: How to Compare Active Managed fund to Passive

just saw this in George Sistri's latest Vectors:
http://www.oncoursefp.com/files/Vectors ... 0final.pdf

Image

what do you think now??
by arcticpineapplecorp.
Tue Apr 13, 2021 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my rental?
Replies: 5
Views: 398

Re: Should I refinance my rental?

have you tried a credit union?

that's who is more likely to write the smaller loans.

heard that on Clark Howard and also see it here:

https://www.lendingtree.com/home/mortga ... age-loans/
by arcticpineapplecorp.
Tue Apr 13, 2021 3:37 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 177
Views: 11623

Re: Coinbase IPO - anyone tempted?

You might want to read Larry Swedroe's book "Rational Investing in Irrational Times". It covers 52 different types of mistakes common to investors. If you read it, you'll realize you're asking how to go about making Mistake 51 "Do You Chase the IPO Dream?" In this chapter Larry g...
by arcticpineapplecorp.
Tue Apr 13, 2021 1:53 pm
Forum: Personal Investments
Topic: picking a good ETF for Europe Market
Replies: 3
Views: 243

Re: picking a good ETF for Europe Market

VGK costs 0.08% per year: https://investor.vanguard.com/etf/profile/VGK that being said I have to ask: 1. are you slicing and dicing international between europe, asia, north america, south america, etc? 2. if so, wouldn't a total international (or total world) stock index fund be easier? 3. do you ...
by arcticpineapplecorp.
Tue Apr 13, 2021 9:05 am
Forum: Personal Investments
Topic: [What do you read for financial news?]
Replies: 4
Views: 464

Re: What do you rad?

whatever prevents tempting you from buying individual stocks, unsubscribe. there's no additional investment value to be had from t.v. and most of what's on the internet is of little to no value. once you've discovered the three fund portfolio, everything else you might need to know about (tax loss h...