Search found 7810 matches

by arcticpineapplecorp.
Tue Apr 20, 2021 9:22 pm
Forum: Personal Investments
Topic: New To Investing
Replies: 10
Views: 736

Re: New To Investing

I'm a complete beginner to investing, so I was wondering how do you choose which companies are good to invest in, and which ones to stay away from? I always see people talk about doing your due diligence, but I'm not sure what that entails. welcome to the group. really only two ways to go about it:...
by arcticpineapplecorp.
Tue Apr 20, 2021 1:19 pm
Forum: Personal Investments
Topic: TSP Questions
Replies: 15
Views: 1378

Re: TSP Questions

Is there anyway to protect my $ in the tsp in the event of a correction? what's the definition of a "correction"? many say 10%. is that what concerns you or something greater like: a bear market (usually defined as 20% or greater) thing is, the market has fallen on average 14% intrayear (...
by arcticpineapplecorp.
Tue Apr 20, 2021 10:55 am
Forum: Investing - Theory, News & General
Topic: Starting a test going forward: Motley Fool versus index fund
Replies: 23
Views: 2986

Re: Starting a test going forward: Motley Fool versus index fund

I do not want to create a new topic, so I will ask here. What do you guys think of this? https://www.wallstreetsurvivor.com/motley-fool-review/ Is there a way to validate the claims made? 1. Writer said he bought 120 stocks. You wanna do that? 2. There's a lot if present tensing going in as in &quo...
by arcticpineapplecorp.
Tue Apr 20, 2021 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Finance book recommendation for DW
Replies: 17
Views: 962

Re: Finance book recommendation for DW

what kind of financial knowledge do you want her to acquire? Does she wish to acquire that as well? so what are the knowledge gaps? Is she interested in investing stuff or personal finance stuff (how to get more by spending less)? She may find more relevance from one over the other. Like investing i...
by arcticpineapplecorp.
Mon Apr 19, 2021 9:21 pm
Forum: Personal Consumer Issues
Topic: Considering switching from Tracfone to Tello
Replies: 21
Views: 1147

Re: Considering switching from Tracfone to Tello

i just signed up for Boost Mobile $10 a month (no fees or taxes. Just $10 total) for unlimited texts, unlimited calls and 1 GB of Data a month. Brought my own phone and bought a $10 (plus tax) SIM card from Boost Mobile. Pleased with the service and their customer service walked me through everythin...
by arcticpineapplecorp.
Mon Apr 19, 2021 8:05 pm
Forum: Personal Investments
Topic: Invest 120K now or wait for the crash?
Replies: 74
Views: 9360

Re: Invest 120K now or wait for the crash?

(Expanding on hithere's remark) ballasowjanya18, here's an exercise you should definitely try. It will be invalid and won't work if you remember 2000-2003 in too much detail. And backtesting has its limits, but you should try it anyway. First, without looking at the data, write down as carefully as...
by arcticpineapplecorp.
Mon Apr 19, 2021 5:44 pm
Forum: Investing - Theory, News & General
Topic: Starting a test going forward: Motley Fool versus index fund
Replies: 23
Views: 2986

Re: Starting a test going forward: Motley Fool versus index fund

I remember when the Gardner brothers used to go on financial tv shows in the 90s wearing those stupid jester hats and claiming that they could easily beat the Dow. Back then Motley Fool had a few different portfolios with cutesy names which were supposed to outperform, but I think they all collapse...
by arcticpineapplecorp.
Mon Apr 19, 2021 3:42 pm
Forum: Investing - Theory, News & General
Topic: Ideal Bond allocation by age
Replies: 41
Views: 3284

Re: Ideal Bond allocation by age

the amount is based on the need, ability and willingness to take risk: https://www.cbsnews.com/news/asset-allocation-guide-how-much-risk-should-you-take/ https://www.cbsnews.com/news/asset-allocation-guide-what-is-your-risk-tolerance/ https://www.cbsnews.com/news/asset-allocation-guide-how-much-risk...
by arcticpineapplecorp.
Mon Apr 19, 2021 2:58 pm
Forum: Personal Investments
Topic: How to invest cash both in tax advantaged and taxable accounts right now.
Replies: 3
Views: 508

Re: How to invest cash both in tax advantaged and taxable accounts right now.

welcome to the group. by "comfortable for the rest of our lives in our current situation" do you mean if you kept the money in cash you'd be fine the rest of your lives regardless of inflation over the course of your lives? if that's truly the case you have at least two options: 1. you've ...
by arcticpineapplecorp.
Mon Apr 19, 2021 2:51 pm
Forum: Investing - Theory, News & General
Topic: Help me get a basic education in cryptocurrency
Replies: 122
Views: 7269

Re: Help me get a basic education in cryptocurrency

Read "The Delusions of Crowds: Why People Go Mad In Groups" By William Bernstein
by arcticpineapplecorp.
Mon Apr 19, 2021 2:29 pm
Forum: Investing - Theory, News & General
Topic: Help me get a basic education in cryptocurrency
Replies: 122
Views: 7269

Re: Help me get a basic education in cryptocurrency

I’m sure this isn’t original but my dad was fond of saying there are bears, there are bulls, and there are piggies re the market. bulls make money, bears make money and pigs get slaughtered. https://www.google.com/search?client=firefox-b-1-d&q=bulls+make+money%2C+bears+make+money+and+pigs+get+s...
by arcticpineapplecorp.
Mon Apr 19, 2021 2:06 pm
Forum: Investing - Theory, News & General
Topic: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market
Replies: 69
Views: 7976

Re: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market

Did Einhorn short the stock then?

Perhaps the Deli should rebrand itself as "Hometown Deli Bitcoin.com" and go TO THE MOOOOON!!
by arcticpineapplecorp.
Mon Apr 19, 2021 2:01 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments - Parents Considering
Replies: 19
Views: 2214

Re: Fisher Investments - Parents Considering

Thoughts on what feedback I should given them on Fisher? I have browsed the old threads - comments are mixed. I think it is very unlikely that I will convert my parents to Bogleheads - it is probably too late for that. So - in the context of other "full service" brokerages - where does Fi...
by arcticpineapplecorp.
Mon Apr 19, 2021 11:57 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments - Parents Considering
Replies: 19
Views: 2214

Re: Fisher Investments - Parents Considering

Thoughts on what feedback I should given them on Fisher? I have browsed the old threads - comments are mixed. I think it is very unlikely that I will convert my parents to Bogleheads - it is probably too late for that. So - in the context of other "full service" brokerages - where does Fi...
by arcticpineapplecorp.
Mon Apr 19, 2021 7:31 am
Forum: Investing - Theory, News & General
Topic: If active investing is foolish, why do we utterly, blindly trust active investors (fools) to set prices for us?
Replies: 26
Views: 2512

Re: If active investing is foolish, why do we utterly, blindly trust active investors (fools) to set prices for us?

wisdom of the crowd, even if it's an active crowd. just because some drive prices up, if others believe prices are too high they can come down again (shorting). i believe in the efficient market hypothesis. that means that prices generally reflect all available information. what changes price is new...
by arcticpineapplecorp.
Mon Apr 19, 2021 7:00 am
Forum: Personal Investments
Topic: Invest 120K now or wait for the crash?
Replies: 74
Views: 9360

Re: Invest 120K now or wait for the crash?

I max out my 401k and my employer also contributes to it. I am 65% FSKAX, 20% FSPSX, 15% FXNAX in it. I also plan to invest 5k per month in my brokerage account. I am 60% VTI, 20%QQQ, 10% AMZN, 10% others in it. I am lucky to have 120K more cash. Should I keep it as spare cash for a possible next c...
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: 25
Views: 2535

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: 767

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: 58
Views: 4202

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: 58
Views: 4202

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: 58
Views: 4202

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: 1758

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: 3611

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: 607

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: 3292

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: 607

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: 3625

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: 65
Views: 5043

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: 3611

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: 2344

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: 1742

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: 275
Views: 15255

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: 2247

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: 1010

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: 1010

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: 553

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: 24
Views: 2345

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: 275
Views: 15255

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: 275
Views: 15255

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: 104
Views: 5743

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: 104
Views: 5743

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: 104
Views: 5743

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: 1629

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: 577

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: 693

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: 1629

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: 1629

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: 577

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...