Search found 7782 matches

by arcticpineapplecorp.
Fri Apr 16, 2021 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Selling old car - CarMax etc.
Replies: 15
Views: 744

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: 18
Views: 711

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: 23
Views: 1247

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: 1416

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: 155
Views: 8004

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: 2094

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: 975

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: 975

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: 509

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: 17
Views: 1323

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: 155
Views: 8004

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: 155
Views: 8004

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: 83
Views: 4061

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: 83
Views: 4061

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: 83
Views: 4061

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: 1568

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: 554

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: 682

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: 1568

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: 1568

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: 554

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: 682

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: 682

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: 682

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: 369

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: 682

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: 682

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: 682

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: 682

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: 1677

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: 384

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: 167
Views: 10682

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: 238

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: 446

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...
by arcticpineapplecorp.
Mon Apr 12, 2021 6:44 pm
Forum: Personal Investments
Topic: ETF For Cybercurrency If Asset Class
Replies: 35
Views: 2232

Re: ETF For Cybercurrency If Asset Class

OK, I am starting to wonder if maybe this whole "crazy Bitcoin thing" (or, cybercurrencies, more generally), might not actually now be a real asset class. And if so, what ETF(s) would an index investor consider for a sliver of his/her nest egg? you can't call cryptocurrency an asset class...
by arcticpineapplecorp.
Mon Apr 12, 2021 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan and RMDs
Replies: 4
Views: 309

Re: 401k loan and RMDs

will you still be working when RMDs are required? (the new rule is starting at 72, not 70.5) If so you may not necessarily have to take an RMD if still working if you meet the following three exemptions below: Do I have to take my RMD if I'm still working? Yes, even if you continue working past age ...
by arcticpineapplecorp.
Mon Apr 12, 2021 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: avoiding tax implications for child with inherited IRA
Replies: 8
Views: 812

Re: avoiding tax implications for child with inherited IRA

Thank you articpineapple. Your advice on this as well as all other matters is extremely helpful. When I put $1099 in that tool, I received a response that no tax filing was necessary unless "additional" taxes on a qualified plan were due. It's not entirely clear, but from form 5329, none ...
by arcticpineapplecorp.
Mon Apr 12, 2021 11:11 am
Forum: Investing - Theory, News & General
Topic: How to Compare Active Managed fund to Passive
Replies: 25
Views: 1677

Re: How to Compare Active Managed fund to Passive

I mean I know how to use a "compare" function on a site - what I don't know is what should I look at to see if it makes sense to switch the fund. since it's a tax advantaged acct, there's no tax implications for switching. therefore, the only decision regarding whether to switch is if you...
by arcticpineapplecorp.
Mon Apr 12, 2021 10:54 am
Forum: Personal Finance (Not Investing)
Topic: avoiding tax implications for child with inherited IRA
Replies: 8
Views: 812

Re: avoiding tax implications for child with inherited IRA

1. have you used the following tool at the IRS: https://apps.irs.gov/app/IPAR/investigate/IPAR_1/en-US/Attribute~Who_Must_File~global~global/qs%24s2%40TLC_WhoMustFile_Development_Screens_WMFLanding_xint%24global%24global?user=guest https://www.irs.gov/help/ita/do-i-need-to-file-a-tax-return I did bu...
by arcticpineapplecorp.
Sun Apr 11, 2021 9:58 pm
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9285

Re: Is this the single worst time to be a passive investor

kid, you ain't missing a thing.

"It's difficult to get a man to understand something when his salary depends upon his not understanding it" -- Upton Sinclair
by arcticpineapplecorp.
Sat Apr 10, 2021 11:11 pm
Forum: Personal Consumer Issues
Topic: No Salt Water Conditioners
Replies: 4
Views: 632

Re: No Salt Water Conditioners

I had a RainSoft years ago, used potassium. Worked well.
by arcticpineapplecorp.
Sat Apr 10, 2021 11:10 pm
Forum: Investing - Theory, News & General
Topic: CryptoHeads: What's next after NFTs?
Replies: 22
Views: 1696

Re: CryptoHeads: What's next after NFTs?

The Delusions of Crowds: Why People Go Mad in Groups By William Bernstein.

feel the bern.
by arcticpineapplecorp.
Sat Apr 10, 2021 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7296

Re: So what is wrong with not investing?

Sorry for your loss. There's nothing wrong with not investing but if you have zero tolerance for loss you should realize that a money market account will guarantee a loss ...of purchasing power as the interest earned will be less than inflation. It won't seem like a loss the same as volatility of in...
by arcticpineapplecorp.
Sat Apr 10, 2021 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 7020

Re: Theory: The Only Four Situations Justifying Debt

2) No reason to go into debt for college education. I worked at the university. The university paid me plus giving me an in-state tuition waiver. I graduated with 8K of savings. As for graduate education, someone (employer or the college) should pay you for the graduate education. Or else, it is no...
by arcticpineapplecorp.
Sat Apr 10, 2021 10:45 pm
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 39
Views: 2821

Re: Rebalance frequency

Hey Arctic and livesoft! I have a really dumb question. I add new $ every month into my taxable and 401k. I've only been buying bonds the last few months in both. Does this mean I am rebalancing too often? I'm 80/20 stocks/bonds but my bond % is down to 18.5% due to intense upward move stocks have ...
by arcticpineapplecorp.
Sat Apr 10, 2021 7:51 pm
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 57
Views: 5342

Re: Deciding it it's worth it to buy long-term individual stocks

4. if the motley fool's are so good at picking stocks then how come their mutual funds aren't so hot? Sorry if my attempt at humor fell flat. Although there may be one, I don't see the connection between the Motley Fool Advisory Company ( https://www.fool.com/ ) and the Asset Management that runs F...