Search found 7949 matches

by arcticpineapplecorp.
Fri Jun 18, 2021 8:33 am
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 2967

Re: Where to invest 500k?

Take the $500,000 and purchase 12,500 shares of British American Tobacco stock. Then, enjoy life as you collect $9,250 checks every 90 days! you're assuming the high dividend will continue into perpetuity. but upon further inspection, the high div yield between 6-8% only started in March 2019. Befo...
by arcticpineapplecorp.
Thu Jun 17, 2021 2:18 pm
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 2967

Re: Where to invest 500k?

Take the $500,000 and purchase 12,500 shares of British American Tobacco stock. Then, enjoy life as you collect $9,250 checks every 90 days! you're assuming the high dividend will continue into perpetuity. but upon further inspection, the high div yield between 6-8% only started in March 2019. Befo...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question (thought experiment)
Replies: 10
Views: 400

Re: Another 401k loan question (thought experiment)

I'm confused about the "Mortgage interest isn't really deductible for most people anymore" part. Since when? The limit is $10K but still deductible for many taxpayers. Not everyone has a 500K mortgage? Many people have been paying on their mortgage for 15 or 20 years?? What other "de...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:15 pm
Forum: Personal Investments
Topic: How to avoid high fees for 403(b) investments?
Replies: 19
Views: 639

Re: How to avoid high fees for 403(b) investments?

What's wrong with the S&P 500 Index fund at 0.40%? That's a great deal in a 401(k) or 401(b), much better than any employer I've worked for. I think Jack used to say you should strive to not pay more than 0.20% per year for your investments. Not sure if he was talking 401k or just IRA. But he w...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:11 pm
Forum: Personal Investments
Topic: How to avoid high fees for 403(b) investments?
Replies: 19
Views: 639

Re: How to avoid high fees for 403(b) investments?

the free money will overcome the fees so make sure to grab the free money (and use the lowest cost fund, appears to be the equity index 0.40%. depending upon her ability/interest she could campaign for a better 403b plan (says 401k, but concepts are the same): https://www.bogleheads.org/wiki/How_to_...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question (thought experiment)
Replies: 10
Views: 400

Re: Another 401k loan question (thought experiment)

So, I have no plans to do this, but am curious for others' thoughts on this. If you could pay off (completely) your mortgage by utilizing a solo 401k loan... what would be the downside? I guess my question is, does the loan pay back schedule count as a contribution? What it prevent you from maxing ...
by arcticpineapplecorp.
Thu Jun 17, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: New to 1099 status. Need advice on.....everything
Replies: 6
Views: 597

Re: New to 1099 status. Need advice on.....everything

So here are my initial questions: 1. Taxes. Should I set aside 50% of the income knowing I'll have to pay a portion of that to taxes? a. Are quarterly tax payments required? How do I calculate that? 2. What kinds of expenses can I write off on taxes against the income I plan to buy a new laptop and...
by arcticpineapplecorp.
Thu Jun 17, 2021 10:15 am
Forum: Investing - Theory, News & General
Topic: What Constitutes "Long term" Investing?
Replies: 13
Views: 907

Re: What Constitutes "Long term" Investing?

few thoughts: 1. your friend thought he was willing to take risk that he only realized when the risk showed up (in 2020) he wasn't really willing to take. It's been said in bull markets people think they're more risk averse than they really are (and only realize in bear markets). 2. your friend perh...
by arcticpineapplecorp.
Wed Jun 16, 2021 7:31 pm
Forum: Personal Investments
Topic: When to make annual RMD withdrawal from 401(k)
Replies: 12
Views: 979

Re: When to make annual RMD withdrawal from 401(k)

i don't think there's one right answer. probability wise it is probably better to leave it in only because markets have tended to rise 3 out of 4 years over the past 40 years so odds are in your favor of selling less shares for the same amount. But that's far from certain. You're trying to minimize ...
by arcticpineapplecorp.
Wed Jun 16, 2021 3:29 pm
Forum: Personal Investments
Topic: Best Way To Speculate With $2,000?
Replies: 50
Views: 4671

Re: Best Way To Speculate With $2,000?

so if NFTs are "not" considered crypto (still guessing here) how about a Charmin NFT (yes, Charmin as in the toilet paper. And no the irony here is not lost on me). Charmin has released 5 pieces of digital art: Bids for the NFTPs so far range from $500 to $2,100 and can be posted on Raribl...
by arcticpineapplecorp.
Wed Jun 16, 2021 2:46 pm
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 2967

Re: Where to invest 500k?

depends. how much risk do you have the need, ability and willingness to take? have you figured your maximum tolerable loss? these are how various allocations fared in 1973-1974: https://i.postimg.cc/L5pBBjpH/asset-allocation-Risk-1.jpg have you read this: https://www.cbsnews.com/news/asset-allocatio...
by arcticpineapplecorp.
Wed Jun 16, 2021 2:36 pm
Forum: Personal Investments
Topic: Best Way To Speculate With $2,000?
Replies: 50
Views: 4671

Re: Best Way To Speculate With $2,000?

does the ban on bitcoin also include NFTs or not?

not making any recommendations here. just thought about NFTs as a wild speculation and wondered if that was included in the off limits or no?
by arcticpineapplecorp.
Wed Jun 16, 2021 1:17 pm
Forum: Personal Investments
Topic: need some helps to understand bond funds
Replies: 1
Views: 218

Re: need some helps to understand bond funds

the wiki has much of the info you might want/need: https://www.bogleheads.org/wiki/Bond_basics regarding the tax exempt, it's fine if you're in a high tax bracket AND we're talking about a taxable acct. Most of the time the recommendation is to have stock (higher growth) in taxable and bonds in the ...
by arcticpineapplecorp.
Tue Jun 15, 2021 9:11 pm
Forum: Personal Investments
Topic: Trying to establish my asset allocation
Replies: 29
Views: 2489

Re: Trying to establish my asset allocation

I am 36, my marginal tax rate is 35%, I am a disciplined investor with patience and risk tolerance. What percentage of my portfolio should be in bonds? if you didn't sell a single stock holding last year between Feb and March, I'm inclined to believe you have risk tolerance. Many people think there...
by arcticpineapplecorp.
Tue Jun 15, 2021 8:25 pm
Forum: Investing - Theory, News & General
Topic: What was it like to index during the Lost Decade (1999-2009)?
Replies: 73
Views: 7141

Re: What was it like to index during the Lost Decade (1999-2009)?

I believe a decade starts with 00 and ends with 99. That's 10 years. So the "lost decade" was 2000-2009, not 1999-2009. Oh, if it were only that simple. You both might be wrong but there is much to disagree about: In a recent YouGov survey, 64% of Americans said the next decade will begin...
by arcticpineapplecorp.
Tue Jun 15, 2021 8:14 pm
Forum: Personal Investments
Topic: Teenager new to the job market
Replies: 12
Views: 1235

Re: Teenager new to the job market

Hi, my 16-year-old just got a job and has been listening to me extol the virtues of investing early and often. My question is, what is the best way for a 16 year old to start allocating some of his paycheck towards a retirement account? And if a simple IRA is the route to go, what happens to this o...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:32 pm
Forum: Investing - Theory, News & General
Topic: What was it like to index during the Lost Decade (1999-2009)?
Replies: 73
Views: 7141

Re: What was it like to index during the Lost Decade (1999-2009)?

I believe a decade starts with 00 and ends with 99. That's 10 years. So the "lost decade" was 2000-2009, not 1999-2009. you'd have made 21% from 1999-2009 (http://quotes.morningstar.com/chart/fund/chart?t=VTSAX&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:08 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 80
Views: 5871

Re: How to Get my Relatives Out of Edward Jones

I wouldnt say determined to give advice, well maybe a little lol, but determined to give them the tools they need to make informed decisions other than " man you should put all your money in EJ and it doesnt cost all that much!" They are family and I want them to know there very well may ...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:07 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 80
Views: 5871

Re: How to Get my Relatives Out of Edward Jones

Both of the older gentleman I golf with occasionally are happily retired while having paid Edwards Jones' fee structures their entire working careers. You make it sound like they will eventually be destitute. Advisors cost money, some more some less. Some do more than choose investments. I'd person...
by arcticpineapplecorp.
Tue Jun 15, 2021 2:24 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 80
Views: 5871

Re: How to Get my Relatives Out of Edward Jones

Boglegrappler wrote: Tue Jun 15, 2021 9:44 am Bogle's Book the Little Book of Common Sense Investing has some graphs that show the long term cumulative effect of excessive fees. It is an impressive effect, and will get your attention if you care to pay attention at all.
Image
by arcticpineapplecorp.
Tue Jun 15, 2021 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vectors June 2021
Replies: 2
Views: 422

Vectors June 2021

Another good read from George Sistri. Vectors June 2021: https://oncoursefp.com/images/Vectors%20June%2021%20final.pdf lots of gems in this one: Have A Plan Shun complexity and embrace simplicity Be content with market equaling returns Most stocks underperform the market Understand the function of b...
by arcticpineapplecorp.
Mon Jun 14, 2021 9:29 pm
Forum: Personal Investments
Topic: How to tilt away from possible bubbles in mega-cap growth stocks
Replies: 26
Views: 1810

Re: How to tilt away from possible bubbles in mega-cap growth stocks

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 A landmark academic study that came out a few years ago reached a startling conclusion: This 10% return could be traced to fewer than 4% of all public companies. On average, the stocks of the other 96% returned about 3% a year, similar to t...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:47 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2499

Re: Its time to tilt back to a more conservative allocation

Am I wrong? Attach a date range and a specific target and we can check in hind sight. Impossible to say in advance without a crystal ball. Personally, I've been expecting a crash for several years now (we did get one last year... but that recovered way faster than I was expecting). Glad I have stuc...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:45 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2499

Re: Its time to tilt back to a more conservative allocation

Attach a date range and a specific target and we can check in hind sight. Impossible to say in advance without a crystal ball. Personally, I've been expecting a crash for several years now (we did get one last year... but that recovered way faster than I was expecting). Glad I have stuck to my Asse...
by arcticpineapplecorp.
Mon Jun 14, 2021 3:29 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2499

Re: Its time to tilt back to a more conservative allocation

what does your IPS tell you to do? https://www.bogleheads.org/wiki/Investment_policy_statement if you don't have an IPS, you will be changing your allocation everytime you read some article. when you have an IPS you have a predetermined allocation that allows you to take only the risk you have the n...
by arcticpineapplecorp.
Mon Jun 14, 2021 1:51 pm
Forum: Investing - Theory, News & General
Topic: quick I need a source
Replies: 6
Views: 657

Re: quick I need a source

not sure if this answers your question but...

Image

don't forget, there's also this:

Image
by arcticpineapplecorp.
Mon Jun 14, 2021 10:39 am
Forum: Investing - Theory, News & General
Topic: Worried About PE Ratios?
Replies: 65
Views: 4155

Re: Worried About PE Ratios?

Many recent posts about high PE ratios. This is rarely a predictor of the future (and CAPE PE10 even less so). Keep in mind that May/June 2009 PEs topped out over 100 - this was one of the best opportunities to buy. During the entire ride up, CAPE PE10 Robert Shiller has bemoaned the overvalued sto...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:22 am
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2577

Re: How to Protect Savings from stock market crash

That JP Morgan chart is ludicrous. They should have shown "Missed the best 10 days and the 10 worst days ", etc. for a meaningful example. guess 9 out of 10 then ain't half bad. well the worst days are often around the best days (see below) so if you stay the course you usually recover bu...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:42 pm
Forum: Personal Investments
Topic: How & Should I DCA 200K windfall right now?
Replies: 23
Views: 2118

Re: How & Should I DCA 200K windfall right now?

I could start DCA’ing it into the market, but I’ll be DCA’ing anyway with what I save from my salary. This “doubling up” does admittedly feel a bit weird, almost like I should do some more creative asset allocation to minimize risk. These thoughts led me to another idea: perhaps putting half or a t...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:29 pm
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2577

Re: How to Protect Savings from stock market crash

That JP Morgan chart is ludicrous. They should have shown "Missed the best 10 days and the 10 worst days ", etc. for a meaningful example. guess 9 out of 10 then ain't half bad. well the worst days are often around the best days (see below) so if you stay the course you usually recover bu...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:22 pm
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2577

Re: How to Protect Savings from stock market crash

1. first define what you mean by "crash". is it 20%? 30%? 40%? 50%? What exactly? Important to know because if you think a crash is when the market falls 20% that's very different from what others might consider a "crash". 2. realize you can make 4 types of errors by trying to ma...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:01 pm
Forum: Personal Investments
Topic: Should niece focus on Roth or Defined benefit or both?
Replies: 3
Views: 487

Re: Should niece focus on Roth or Defined benefit or both?

if she looks into PSLF or TLF and that lowers the amount of her monthly student loan payment (and then remaining balance after 10 years would be forgiven/no tax owed on amount forgiven) then she'd have additional money to put towards Roth (after doing Defined benefit first to get the tax deduction w...
by arcticpineapplecorp.
Sat Jun 12, 2021 10:11 pm
Forum: Personal Investments
Topic: Managed bond accounts
Replies: 8
Views: 805

Re: Managed bond accounts

If tax loss harvesting is the main benefit and selling point, I don't see how the numbers work out. Maybe my grasp of the tax code is tenuous, and someone more knowledgeable will correct me. But what I see is 0.45% of 1.2 million = $5400 management cost a year, every year. My understanding is that ...
by arcticpineapplecorp.
Sat Jun 12, 2021 10:09 pm
Forum: Personal Investments
Topic: Where to park 130k for 6 months
Replies: 39
Views: 3530

Re: Where to park 130k for 6 months

Equities. Leave half in Ally and put the other half in your favorite vanilla equity etf or stock. I like a blue chip dividend stock for this purpose. It’s what I did. You would also be just fine with SPY in my view. Six months is not a long enough time horizon for a stock investment, in my opinion ...
by arcticpineapplecorp.
Sat Jun 12, 2021 8:32 pm
Forum: Personal Investments
Topic: Where to park 130k for 6 months
Replies: 39
Views: 3530

Re: Where to park 130k for 6 months

All of that said, we now have 130k sitting in our Ally account earning 0.50%. The plan is to hold off on any backyard work until we are done with the interior of the house (in case of change orders, or other things that come up). So basically, we sitting on this money for the next 6 months. Keeping...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:42 pm
Forum: Personal Investments
Topic: Tracking AA/rebalancing
Replies: 7
Views: 826

Re: Tracking AA/rebalancing

https://www.bogleheads.org/wiki/Using_a_spreadsheet_to_maintain_a_portfolio https://www.bogleheads.org/forum/viewtopic.php?t=297892 https://www.bogleheads.org/forum/viewtopic.php?t=217080 https://www.bogleheads.org/forum/viewtopic.php?t=106505 https://www.bogleheads.org/forum/viewtopic.php?t=200045 ...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: BBerg: Pensions are almost fully funded and coming for your bonds
Replies: 12
Views: 1521

Re: BBerg: Pensions are almost fully funded and coming for your bonds

I can't read the article (behind paywall). Is it saying all US pensions or just corporate pensions are fully funded? If just the latter, I think this title should be revised to say " Corporate Pensions are almost fully funded and coming for your corporate bonds." When I look at the state ...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:12 pm
Forum: Personal Consumer Issues
Topic: Wasp repellant?
Replies: 10
Views: 1061

Re: Wasp repellant?

we had the same problems. then I found a wasp decoy and have used them for the past 2 years with very good results. wasps are territorial and if they see what appears to be a significant nest they will set up their nests elsewhere (won't build where you are). The trick is to get it up early in the s...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:07 pm
Forum: Investing - Theory, News & General
Topic: BBerg: Pensions are almost fully funded and coming for your bonds
Replies: 12
Views: 1521

Re: BBerg: Pensions are almost fully funded and coming for your bonds

I can't read the article (behind paywall). Is it saying all US pensions or just corporate pensions are fully funded? If just the latter, I think this title should be revised to say " Corporate Pensions are almost fully funded and coming for your corporate bonds." When I look at the state o...
by arcticpineapplecorp.
Tue Jun 08, 2021 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: the math is really off in this cnbc (and acorns) article regarding compounding interest
Replies: 3
Views: 861

the math is really off in this cnbc (and acorns) article regarding compounding interest

this clickbait article asked how much would you have for retirement if you saved $100 a week in your 401k: https://www.cnbc.com/2021/06/08/you-dont-have-to-pad-your-401k-to-save-enough-money-for-retirement.html the assumptions are: 1. you will start investing in your 401(k) at age 22 2. your investm...
by arcticpineapplecorp.
Tue Jun 08, 2021 1:26 pm
Forum: Investing - Theory, News & General
Topic: Growth to Value Rotation
Replies: 16
Views: 1240

Re: Growth to Value Rotation

often the value outperformance comes very quickly. If you're not holding value during those short quick bursts, you don't actually capture the premium. Often people give up on value because the underperformance relative to growth can occur for long periods of time, then investors bail and the premiu...
by arcticpineapplecorp.
Tue Jun 08, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: Growth to Value Rotation
Replies: 16
Views: 1240

Re: Growth to Value Rotation

if you hold a total stock market index fund you have both value and growth so you don't have to worry about which is outperforming when. You've got it all. See here:

Image

and this

Image
by arcticpineapplecorp.
Tue Jun 08, 2021 11:01 am
Forum: Personal Investments
Topic: Pension buyout - take it or leave it
Replies: 18
Views: 1552

Re: Pension buyout - take it or leave it

if you go to www.immediateannuities.com and enter male, 73, state (unknown, I used mine) and immediate payment and $162,233 you get a lifetime monthly annuity of $1021. so it looks like he'd do better with the monthly pension than the buyout (10% better than the commercial annuity). Obviously, they ...
by arcticpineapplecorp.
Tue Jun 08, 2021 6:41 am
Forum: Personal Finance (Not Investing)
Topic: New York standard deduction and ABLE accounts
Replies: 3
Views: 307

Re: New York standard deduction and ABLE accounts

I am also not sure if any SSI payments are considered taxable income by NY, which alone could put him over even the higher standard deduction amount. For this reason I may open the NY ABLE account to avoid state taxation of a any earnings. There is another state (Virginia) that has a superior plan ...
by arcticpineapplecorp.
Mon Jun 07, 2021 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: New York standard deduction and ABLE accounts
Replies: 3
Views: 307

Re: New York standard deduction and ABLE accounts

I am also not sure if any SSI payments are considered taxable income by NY, which alone could put him over even the higher standard deduction amount. For this reason I may open the NY ABLE account to avoid state taxation of a any earnings. There is another state (Virginia) that has a superior plan ...
by arcticpineapplecorp.
Sun Jun 06, 2021 8:34 pm
Forum: Personal Consumer Issues
Topic: Hacking
Replies: 22
Views: 2242

Re: Hacking

She says that she has contacted the authorities, but she has not lost enough money to trigger a formal investigation . what does this even mean? What would constitute losing "enough"? What would not constitute enough? I would think any amount of money stolen would be enough to investigate...
by arcticpineapplecorp.
Sun Jun 06, 2021 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about my Mom's investment
Replies: 28
Views: 2728

Re: Worried about my Mom's investment

did you read up on this advisor's ADV and ADV part 2? https://obliviousinvestor.com/checking-out-an-investment-adviser-form-adv-part-ii/ you find out all sorts of interesting things there. like any disclosures (settlements, complaints, etc), all the ways he can get paid (AUM, commission, etc), how ...
by arcticpineapplecorp.
Sun Jun 06, 2021 5:36 pm
Forum: Personal Investments
Topic: 457b Questions & Concerns
Replies: 8
Views: 754

Re: 457b Questions & Concerns

the target date is fine if you want the added diversification, or use the schwab pcra or you could put more of the small and mid and/or international if desired in your Roth IRA or taxable acct and use the 457 for the large cap.
by arcticpineapplecorp.
Sun Jun 06, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about my Mom's investment
Replies: 28
Views: 2728

Re: Worried about my Mom's investment

did you read up on this advisor's ADV and ADV part 2? https://obliviousinvestor.com/checking-out-an-investment-adviser-form-adv-part-ii/ you find out all sorts of interesting things there. like any disclosures (settlements, complaints, etc), all the ways he can get paid (AUM, commission, etc), how m...