Search found 125 matches

by ge1
Fri Jul 10, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 419
Views: 70238

Re: Rick Ferri looking to internationalize his portfolio

Sorry LadyGeek but that was not an off-topic comment. Reading Rick's blog it is chrystal clear that he is market timing. It would be one thing to say that one wants to increase the international allocation to come closer to the US vs Global market cap or some other reason, however in his case the re...
by ge1
Fri Jul 10, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 419
Views: 70238

Re: Rick Ferri looking to internationalize his portfolio

tainted-meat wrote:Rick knows his stuff. If he sees better values overseas then one might take notice.


[OT comment removed by admin LadyGeek]
by ge1
Fri Jul 10, 2015 5:30 am
Forum: Investing - Help with Personal Investments
Topic: Beginning investor starting in Switzerland, TD Ameritrade or local broker and how to pick ETFs?
Replies: 12
Views: 828

Re: Beginning investor starting in Switzerland, TD Ameritrade or local broker and how to pick ETFs?

What about Swissquote, I thought they are one of the cheapest? In addition to trading fees, watch out for AuM fees, at least the big banks charge you a hefty fee based on your assets as well. I think a lot depends how long you are staying in Switzerland. If Switzerland is "home" now and yo...
by ge1
Wed Jul 08, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 26219

Re: The next Lehman - this week? [Greek default]

Bringing this back to investing: I still think people underestimate the likelihood of a Grexit and what this would mean for investor psychology. It would be one of those "wow I never thought that would happen" moments, fundamental beliefs would be shaken and investors would gravitate towar...
by ge1
Wed Jul 08, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2354

Re: Is it a good idea to travel to Western Europe with kids?

We just did a trip to Rom / Florence with our 5 year old and had a great time. I strongly believe in exposing our daughter to different cultures and it was amazing to see how much she enjoyed seeing the colosseum in Rome, walking up the steps to the Dome tower in Florence or just enjoying another ge...
by ge1
Mon Jul 06, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Selling 2nd home below market value
Replies: 14
Views: 1516

Re: Selling 2nd home below market value

Having finally sold our 2nd home last week I can tell you one thing: Vacation homes are not good investments :wink: That's doesn't mean you shouldn't buy it, you and your family will have great memories and I'm sure enjoy the house a lot, just be clear what sort of financial commitment a second home...
by ge1
Mon Jul 06, 2015 5:34 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 26219

Re: The next Lehman - this week? [Greek default]

Looks like there won't be a big reaction in the markets, at least today. If you have extra cash and if in line with your overall asset allocation, it doesn't seem a bad time to add emerging markets or total international (both down 7-10% from the 2015 highs) . I have cash coming in this week and wil...
by ge1
Sun Jul 05, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 26219

Re: The next Lehman - this week? [Greek default]

Greece may be more a Bear Stearns than a Lehman, given its relative small size, but I think people still underestimate how ugly this can get. There is no clear way out of this mess and it's hard to see how the Eurozone won't be severely negatively impacted. I don't think there will be a shortage of ...
by ge1
Fri Jul 03, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Self Directed IRA question
Replies: 4
Views: 788

Re: Self Directed IRA question

Thanks Spirit Rider, I realized that as well that I could do a self directed Roth IRA. So I guess in theory I could transfer funds from my Vanguard Roth IRA to the self directed Roth IRA and going forward I could keep doing the backdoor contributions in my Vanguard account and then transfer to the t...
by ge1
Fri Jul 03, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Self Directed IRA question
Replies: 4
Views: 788

Re: Self Directed IRA question

Forgot to ask one more question: Would the self directed IRA have an impact on my backdoor Roth conversion? For my backdoor Roth, I contribute money to the IRA first, have the money sit in a money market account to have no gains for a few days and then convert to a Roth. If I had now a self directed...
by ge1
Fri Jul 03, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Self Directed IRA question
Replies: 4
Views: 788

Self Directed IRA question

I am looking to lend money to a real estate investor in form of a promissory note with the investment propery as collateral. Given that the income from the note would be taxed as ordinary income, I would like to have the note in a self directed IRA. I know very little about self directed IRAs, so a ...
by ge1
Wed Jun 03, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8185

Re: Four Vanguard International Equity Index changing/broadening indexes

Don't like the addition of Chinese stocks at all given the enormous bubble in Chinese stock prices.
by ge1
Tue Apr 28, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12886

Re: How much do you pay in Property Taxes?

Some of the numbers are insane, but having lived in NYC I was aware of the crazy property taxes in NJ and also Westchester.

Thankfully we live in NC now, 3400 sqf, market value 550k, taxes 4,500 so I guess 0.8%.
by ge1
Sat Mar 14, 2015 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Need student loan advice for friend
Replies: 4
Views: 569

Re: Need student loan advice for friend

It would be nice if your friend could post the whole picture including loan breakdown but... It is Interesting he gets an employer contribution regardless of his own. I wonder if he must participate at some level? If it were me I would work very hard to minimize all expenses and pound away at the l...
by ge1
Fri Mar 13, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need student loan advice for friend
Replies: 4
Views: 569

Need student loan advice for friend

A good friend of mine has a lot of student loans and asked me what for investment advice. Here is his info - Mid 20s and married - Combined 112k student loan debt @ 6.2% average rate - 40k in his 401k, no other savings - 5k emergency fund He is getting soon a sizeable salary increase and will be abl...
by ge1
Fri Mar 13, 2015 2:08 am
Forum: Personal Finance (Not Investing)
Topic: When to cash in your chips?
Replies: 32
Views: 4312

Re: When to cash in your chips?

A few thoughts - You are doing great for your age - but as others said you are not financially independent. I would only count liquid assets and to support 130k per year plus health insurance you need probably around 4.5m. Your liquid assets are 1.8m - your monthly expenses seem very reasonable give...
by ge1
Thu Mar 12, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 13
Views: 838

Re: Roth 401k

Roth and traditional 401k together will be limited to 18k per person on employee contributions, they aren't separate. The 53k is the limit of both employee and employer contributions together. Can I just clarify this point: My employer puts in 10k and I put in currenlty 18k pre-tax in my 401k. Does...
by ge1
Thu Mar 12, 2015 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 13
Views: 838

Re: Roth 401k

If you have extra money to invest, consider using the backdoor into Roth IRA which is $5.5K/yr for each of you. OP already does this. We don't qualify for a regular IRA based on our income and do back door roth contributions every year. If you still have extra money to invest after the 11K into IRA...
by ge1
Thu Mar 12, 2015 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 13
Views: 838

Re: Roth 401k

Roth and traditional 401k together will be limited to 18k per person on employee contributions, they aren't separate. The 53k is the limit of both employee and employer contributions together. Can I just clarify this point: My employer puts in 10k and I put in currenlty 18k pre-tax in my 401k. Does...
by ge1
Thu Mar 12, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 13
Views: 838

Roth 401k

My wife and I currently both max out the regular 401k contributions. We don't qualify for a regular IRA based on our income and do back door roth contributions every year. My questions are - If I have additional funds to invest, why would I not contribute to a Roth 401k? The benefit of sheltering th...
by ge1
Fri Jan 16, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign exchange risk
Replies: 6
Views: 818

Re: Foreign exchange risk

One more thought: It doesn't matter in what currency your fund / ETF is denominated, it only matters what the underlying is. In other words, if you had a USD denominated US Stock Funds (which didn't do anything on Jan 15) or one denominated in Swiss Francs (which lost 15%), you are still left with t...
by ge1
Fri Jan 16, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign exchange risk
Replies: 6
Views: 818

Re: Foreign exchange risk

A few thoughts on this: - I know the 15% drop hurts but I honestly wouldn't worry too much about it. US investors in International diversified stock funds made a very similar experience last year, albeit over a longer time period (international stocks underperformed US stocks by 15% over the last ye...
by ge1
Fri Jan 16, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Great Krugman column on Swiss currency debacle
Replies: 8
Views: 1317

Re: Great Krugman column on Swiss currency debacle

I thought it was a terrible column. He doesn't even know that cuckoo clocks are made in Germany and not Switzerland.
by ge1
Thu Jan 15, 2015 10:03 pm
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2466

Re: Swiss franc jumps as SNB abandons ceiling versus euro

No, it means that banks who deposit CHF with the Swiss National Bank need to pay for the pleasure of having a CHF deposit.
by ge1
Thu Jan 15, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 4451

Re: Small Cap Value worth it?

I get the concept, that's why I clearly stated that the returns were prices only excluding dividends.
by ge1
Thu Jan 15, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 4451

Re: Small Cap Value worth it?

Thanks for the feedback. Return numbers are as per today as per Google Finance.
by ge1
Thu Jan 15, 2015 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 4451

Small Cap Value worth it?

I'm thinking about tilting my stock allocation towards small cap value. I had a quick look at the performance of the Vanguard Small Cap Value ETF (VBR) and the performance compared with the US Total Stock Market ETF (VTI) seems very similar: 1 Year return: VBR 4% vs VTI 7% 5 Year return: 82% vs 79% ...
by ge1
Sun Jan 11, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 12020

Re: Can I retire early? 38 y/o

I'm probably just too conservative, but why would you remain 75% in equities in your situation? Wouldn't it make sense to bring your stocks down to at least 60%?
by ge1
Thu Jan 08, 2015 6:40 am
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 47
Views: 5855

Re: What to do with VGPMX (Vanguard Precious Metals and Mini

I did even better than that, I bought GDX and GDXJ in my brokerage account.... Needless to say, they were awful investments. In an effort to simplify my portfolio I sold them all in December, at least they were in a taxable account. What I certainly wouldn't do in your situation is double down on yo...
by ge1
Sun Jul 14, 2013 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thesis: "Current secular bear market is an opportunity."
Replies: 63
Views: 6420

Re: Thesis: "Current secular bear market is an opportunity."

I agree that investing today should provide you much better returns than investing in 2000, so that should provide comfort. on the other hand, the bubble of 2000 was of such epic proportions that the market today is still expensive if you look at Shiller P/e for example. Unlike many others here, I ...
by ge1
Sun Jul 14, 2013 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Thesis: "Current secular bear market is an opportunity."
Replies: 63
Views: 6420

Re: Thesis: "Current secular bear market is an opportunity."

I agree that investing today should provide you much better returns than investing in 2000, so that should provide comfort. on the other hand, the bubble of 2000 was of such epic proportions that the market today is still expensive if you look at Shiller P/e for example. Unlike many others here, I t...
by ge1
Fri Jul 05, 2013 8:50 am
Forum: Personal Finance (Not Investing)
Topic: completed refi today, feels pretty good...
Replies: 2
Views: 464

completed refi today, feels pretty good...

Signed all the paperwork this morning for the refi, we locked in the rate probably 6 weeks ago.

2.75% for 15 years, feels pretty good :sharebeer

Nice weekend everybody!
by ge1
Thu Jun 27, 2013 5:10 am
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 5881

Re: what you should know about the recent market drop

Larry - thanks for your continued contributions to this board, I always enjoy reading your balanced view. I have to admit I am a bit puzzled about the statement that the market is not expensive based on forward operating earnings: - why would we even use operating earnings? This basically allows com...
by ge1
Mon Jun 24, 2013 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: I love the smell of fear in the markets
Replies: 34
Views: 4914

Re: I love the smell of fear in the markets

does anyone else get giddy when the news on the the markets is bad? Those who relish other's misfortune have much bigger problems than they realize. C'mon guys, these comments are getting a bit much. I would argue a falling market is better as you can reinvest at lower prices. And everybody who rel...
by ge1
Thu Jun 20, 2013 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 2007

Re: Things are getting interesting...

I can't help it but I just like when things are on sale Emerging Markets - down 5% today, down 17% for the year International - down 4% both today and for the year US REITs - down 4.5% today and flat for the year. Bought more Emerging Markets today, who else is buying? You must be a retailers dream...
by ge1
Thu Jun 20, 2013 3:07 pm
Forum: Investing - Theory, News & General
Topic: How Would Mr. Bogle Calculate Expected REIT Returns?
Replies: 120
Views: 17857

Re: How Would Mr. Bogle Calculate Expected REIT Returns?

I would say this qualifies as a timely post... :sharebeer
by ge1
Thu Jun 20, 2013 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 2007

Things are getting interesting...

I can't help it but I just like when things are on sale

Emerging Markets - down 5% today, down 17% for the year
International - down 4% both today and for the year
US REITs - down 4.5% today and flat for the year.

Bought more Emerging Markets today, who else is buying?
by ge1
Sun Jun 16, 2013 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Which mortgage option?
Replies: 11
Views: 862

Re: Which mortgage option?

At those rates certainly the 30 year. Did they not quote you a 15 year rate? Even after the recent increase you should get them a little over 3%. If you can afford it I like the 15 year mortgages, however as other said the 30 year provides more flexibility due to the lower payments. Also assuming ra...
by ge1
Sat Jun 15, 2013 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 39312

Re: What age did you reach 100K networth?

31 when I got married :happy
by ge1
Wed Jun 12, 2013 7:32 pm
Forum: Investing - Theory, News & General
Topic: Sub-emerging Markets: All that's left is the crying
Replies: 62
Views: 6463

Re: Sub-emerging Markets: All that's left is the crying

Random Musings wrote:I betcha emerging market index outperforms domestic index over the next 5 to ten years. I can't get excited about short term noise.

RM


Agree. My stock allocation is mostly emerging markets.
by ge1
Mon Jun 10, 2013 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Investment property and cap rate
Replies: 32
Views: 3088

Re: Investment property and cap rate

You ignore that by paying the mortgage your equity increases and leverage goes down. I'm just starting out doing investment properties, but as others mentioned your rental income seems very low. As a comparison, we are in the process of buying an apartment for 140k and should get 1200 per month in r...
by ge1
Wed Jun 05, 2013 12:43 pm
Forum: Investing - Theory, News & General
Topic: El-Erian: Walk, Don't Run From Equities Risk
Replies: 36
Views: 4647

Re: El-Erian: Walk, Don't Run From Equities Risk

looks like smart advise to me
by ge1
Wed May 29, 2013 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 8704

Re: Bad day for REITs

Note that later in that thread Larry Swedroe described how he changed his plan in 1998, going to small-value only for equities, and reducing his overall equity allocation. He did that toward the end of one of the great equity bull markets (although as he said, a couple of years early), not after st...
by ge1
Wed May 29, 2013 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 8704

Re: Bad day for REITs

Note that later in that thread Larry Swedroe described how he changed his plan in 1998, going to small-value only for equities, and reducing his overall equity allocation. He did that toward the end of one of the great equity bull markets (although as he said, a couple of years early), not after st...
by ge1
Wed May 29, 2013 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bad day for REITs
Replies: 63
Views: 8704

Re: Bad day for REITs

InvestorNewb I have to admit reading the thread makes me cringe. You are in my view completely overexposed to a fairly small sector of the economy, which admittely had a great run over the last few years. Since the March 2009 lows REITs are up a staggering 240%! And now after a small drop you are al...
by ge1
Sat May 25, 2013 12:39 pm
Forum: Investing - Theory, News & General
Topic: The prudent way to increase expected returns
Replies: 31
Views: 4170

Re: The prudent way to increase expected returns

Thanks Larry for your continued great contributions to this forum.

I'm curious what sort of earnings number is being used to calculate the US P/E ratio? I believe trailing reported earnings for the S&P are around 90, which would give me a P/e ratio of approx 18 and not 13?
by ge1
Sat May 25, 2013 12:23 pm
Forum: Investing - Theory, News & General
Topic: C'mon international rise!
Replies: 51
Views: 5571

Re: C'mon international rise!

Yes, I strongly overweigh Emerging Markets. If you believe GMO Emerging Markets will outperform US by a very wide margin over the next 7 years.
by ge1
Fri May 17, 2013 3:33 pm
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3592

Re: Will 1,666 be the high?

nisiprius wrote:If the Book of Revaluations is right, it might be the bestial get.


love it :D
by ge1
Fri May 17, 2013 2:47 pm
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3592

Will 1,666 be the high?

As 666 was the low back in March 2009, maybe 1,666 will be the high :wink: ? Not having invested yet in the 90s, I have to admit this ongoing rally is getting a bit scary. And a bit painful as well, as I'm overweight emerging markets. So good for you all who have small cap, REITS, high yield bonds a...

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