Search found 29941 matches

by Valuethinker
Wed Jan 18, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 60
Views: 2997

Re: Basic question on Hybrid cars

Forget hybrids in 5-10 years or less electric cars will out sell gas and hybrids because of their efficiency and practicality (less moving critical parts) When charging stations dot the highways and the cars get more mileage on a charge, I do not see any reason to stick with internal combustion eng...
by Valuethinker
Wed Jan 18, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Mitigating currency risk between USD and CAD
Replies: 11
Views: 527

Re: Mitigating currency risk between USD and CAD

My suggestion is to establish a bank account in Canada (if you can), most some money over there, and keep an eye on the USD-CAD exchange rate and when it looks favorable, move some more money over there. The issue with this, on top of the extra tax complication, is that it would skew my asset alloc...
by Valuethinker
Wed Jan 18, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing International Stocks - Specifically the Lusaka Stock Exchange
Replies: 4
Views: 245

Re: Purchasing International Stocks - Specifically the Lusaka Stock Exchange

Yes, I'm aware of the risks. This would be no more than a 5% allocation to limit any potential downside. I'm currently 75/25 Stocks/Bonds and approximately 60/40 US/International. I've checked out those links - I may just go with one of the ETFs for simplicity. Scott I'd go with the fund. The risks...
by Valuethinker
Wed Jan 18, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 32
Views: 2498

Re: TIPS are great in "theory." But real world...

. Depends on your definition of " safe as nominal treasuries " I guess. I hold 50% short-term TIPS and I'm always questioning it so no answer here. I'm always OCD'ing about going: 1.) Total Bond Index -- safe, passive, vanilla) Time to read Larry Swedroe. With Total Bond (which is *not* a...
by Valuethinker
Wed Jan 18, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 32
Views: 2498

Re: TIPS are great in "theory." But real world...

I agree. I don't like TIPS. I've seen no benefit in the real world. Only theoretical. They did bad in 2008. CPI measures do not come down from the heavens so will they really track it? I like intermediate term treasuries as to hedge both deflation and inflation. Equities can also stave off inflatio...
by Valuethinker
Wed Jan 18, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 32
Views: 2498

Re: TIPS are great in "theory." But real world...

On paper, TIPS seem like the best type of bond. I have read all of the wonderful characteristics. Protection in both inflation and deflation, no default risk, etc. Swedroe and Swensen are huge fans. However, in the real world, are they really as wonderful as they seem? I have read some worries from...
by Valuethinker
Tue Jan 17, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new construction, looking for feedback
Replies: 3
Views: 701

Re: Buying new construction, looking for feedback

My wife and I have been looking in a developing area of town beside the river. It is one of these planned master developments that has a mix of retail, office, residential, etc. They are currently finishing phase 2 of the residential homes which had 3 different higher end semi-custom builders. One ...
by Valuethinker
Tue Jan 17, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 60
Views: 2997

Re: Basic question on Hybrid cars

avalpert...... or we are automotive enthusiasts that pay notice of the exhaust note from an internal combustion engine. I for one will never own a hybrid until I have no other choice. Different strokes for different folks........... BTW, cars do indeed have souls IMHO. Many decades ago, I learned a...
by Valuethinker
Tue Jan 17, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4484

Re: My co-worker boasting about his investments. What do you think about his selections?

That can't be his real portfolio. He has both 3X and 3X inverse. Even a fool would see the contradiction. I do like his descriptions "fund for dummies", [OT comment removed by admin LadyGeek] , "I donno what preferred stock means" etc. The descriptions could give you insight int...
by Valuethinker
Tue Jan 17, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1852

Re: Relocating to Berlin upon retiring. Please critique my plan.

It's one of the best cities in Europe. Perhaps even *the* best city. You should have a great time living there. (others Vienna but there are characteristics which are quite offputting, I put that into a "nice to visit" category unless opera is really your thing; Venice again nice to visit;...
by Valuethinker
Tue Jan 17, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4484

Re: My co-worker boasting about his investments. What do you think about his selections?

Hello, I have a colleague who is boasting about his investment picks. He even shared to me what investments he has. Can anyone comment on his selections? I will copy and paste what he sent to me below: -------------------------------------------------------------irt A lot of leverage ETFs. Most of ...
by Valuethinker
Tue Jan 17, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1852

Re: Relocating to Berlin upon retiring. Please critique my plan.

Thank you all for the replys. I am a U.S. citizen. As far as health care: I would purchase medical insurance in Germany at around 550 Euros per month. Regards, Skip OK just be quite careful about your right-to-remain or the German equivalent. This stuff is all up in the air (maybe less so in German...
by Valuethinker
Tue Jan 17, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4484

Re: My co-worker boasting about his investments. What do you think about his selections?

A little bit of knowledge is a dangerous thing. Even if your goal was to make wildly speculative bets on individual sectors, there are better ways to go about it than monkeying around with ultra-short ETF's (e.g., multi-leg options). This guy sounds like he spends his time chasing "hunches&quo...
by Valuethinker
Tue Jan 17, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4484

Re: My co-worker boasting about his investments. What do you think about his selections?

Hello, I have a colleague who is boasting about his investment picks. He even shared to me what investments he has. Can anyone comment on his selections? I will copy and paste what he sent to me below: -------------------------------------------------------------your shirt Never talk about specific...
by Valuethinker
Mon Jan 16, 2017 3:59 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 1852

Re: Relocating to Berlin upon retiring. Please critique my plan.

Many thanks to all who contribute to this wonderful website. Retirement date: Nov. 1, 2017 Will be 65 in Nov. 2017 Assets: home 300,000 commercial rental 600,000 monthly rents of about 5,000 cash 180,000 457 & 403b 300,000 checking 50,000 Pension annual 100,000 Social security (?) 18,000 My int...
by Valuethinker
Mon Jan 16, 2017 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Euro and asian stocks
Replies: 12
Views: 949

Re: Euro and asian stocks

More of a broader question but do asians and europeans invest in the US? Looking at the indexes and funds that focus on those the performance is so low that for most of them if you purchased 10 years ago you would be still down! 1). how/why is the performance of those markets so abysmal? 2). can it...
by Valuethinker
Mon Jan 16, 2017 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Euro and asian stocks
Replies: 12
Views: 949

Re: Euro and asian stocks

If you can hold ETFs in a tax efficient way then you can synthesize a non US global portfolio using Dublin listed ETFs? As long as they don't currency hedge you won't care about the currency of denomination. Or Luxembourg listed ETFs. They both meet all the EU rules for investors. It's actually eas...
by Valuethinker
Sun Jan 15, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: leverage and beating the market
Replies: 45
Views: 4071

Re: leverage and beating the market

... I do believe that part of Warren Buffet's success is due to the cheap leverage he has been able to obtain through his insurance companies. Plus the fact that he uses some sort of "value" calculation in choosing which companies to buy... Buffett has said that the float from insurance h...
by Valuethinker
Sun Jan 15, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Euro and asian stocks
Replies: 12
Views: 949

Re: Euro and asian stocks

I live in Sweden and I do, of course, invest in US stocks, though a global fund. But I try to limit my exposure because of the strong dollar and high valuations. Currently I'm at 20% US, which is roughly proportional to its share in the world economy. I vastly overweight my home country at 40% of m...
by Valuethinker
Sun Jan 15, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1087

Re: Compounding of stock returns

Is this only true if you reinvest dividends? I myself reinvested Mcdonalds dividends for 25 years,recently started taking the dividends in cash. The link below will give you a pretty clear picture of reinvesting vs not reinvesting (No my initial investement was NOT 100k :mrgreen: :mrgreen: ) http:/...
by Valuethinker
Sun Jan 15, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: What gets cheap when the dollar gets strong
Replies: 32
Views: 5392

Re: What gets cheap when the dollar gets strong

For the FTSE 250 (the next 12%) there is a much higher concentration of UK profits (housebuilders, retailers etc.). There the index only rose 2% in 2016, so as a dollar investor you were down c. -14%. Would VSS (ex-US Small-Cap) be something to consider if I have strong dollars? (When the dollar we...
by Valuethinker
Fri Jan 13, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3958

Re: Over what time period should stocks NOT lose money

The answers above are solid based on a Monte Carlo approach on historic US equity returns. 10 years, including dividends, is about the longest drawdown period for the USA. There is a huge survivorship bias though, that the USA was a dominant successful country in the 20-21st century. Germany, Argen...
by Valuethinker
Fri Jan 13, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3958

Re: Over what time period should stocks NOT lose money

Hello, While there are no certainties, bogleheads clearly believe that over time, staying invested is a prudent investment. Time is your friend. If forced to answer "over what time period will stocks NOT lose money....in real terms, what would you say?". If forced to give an answer on thi...
by Valuethinker
Fri Jan 13, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12050

Re: How Bad was 2008, really?

When things got really bad in the Fall of 2008, it was not immediately obvious what was causing such a precipitous decline in the markets. I understood that sub prime mortgages were a big problem but how that was tied together with credit swaps, AIG, derivatives,excessive leverage was not clear (at...
by Valuethinker
Fri Jan 13, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12050

Re: How Bad was 2008, really?

Tell you the truth, I am not sure I would want to work for the company. Prior compensation is not germaine to present. I am not sure if it is germane or not. Most companies seem to use prior salary as a baseline so they know what to offer an applicant. On the other hand, I think I read a couple sta...
by Valuethinker
Fri Jan 13, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12050

Re: How Bad was 2008, really?

I posted in the original Sheepdog thread, so I won't repeat myself here, but it was really bad. It's not just the market drop, it's everything else. Just a few personal observations of that time: A neighbor was a recently retired Executive VP of a large regional bank (top 20 in size). He was at a l...
by Valuethinker
Fri Jan 13, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2235

Re: downhill skiing

At what age did you give up downhill skiing? I'm 76. It is determined by your health and attitude not chronological age. Good genes, healthy and active lifestyle, you can do this for a very long time. A colleague, who was badly injured in a car crash at 19, finally had to have a new titanium knee p...
by Valuethinker
Fri Jan 13, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: 100% Stock or Bust?
Replies: 17
Views: 1812

Re: 100% Stock or Bust?

ValueThinker- Do you think I would be better off with a Total Index like VTI for all US stock? Yes. Simplicity is all to the good and in a taxable account, important (less tax cost due to fund turning over holdings). If I decide to go 20% bonds, should it be simple (BND) or 10% BND/10% TIPS? In rea...
by Valuethinker
Fri Jan 13, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: 100% Stock or Bust?
Replies: 17
Views: 1812

Re: 100% Stock or Bust?

Thank you so much for your reply! I have read common sense. :happy and the little book along with bogleheads guide; and just got the retirement guide. We aren't dealing with that much (60k) in our accounts yet, but plan on averaging 30k+ per year into these accounts for the next 20 years. The bond ...
by Valuethinker
Fri Jan 13, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

Solar thermal can help. We have a roof full of PV panels for 6kW, and only two panels for domestic hot water. The efficiency of solar thermal is many times that of solar PV. The difference in panel count is amazing. Seems with circulating hot water, you could easily heat an entire high efficient ho...
by Valuethinker
Fri Jan 13, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: 100% Stock or Bust?
Replies: 17
Views: 1812

Re: 100% Stock or Bust?

I'm very new to the forum and have been creeping for the past couple of days. I have read plenty of books on personal finance and have followed Dave Ramsey's plan on getting out of debt for the last year. I am 29 years old / married / no kids, and plan on paying off my house in the next 10 months. ...
by Valuethinker
Fri Jan 13, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

Solar thermal can help. We have a roof full of PV panels for 6kW, and only two panels for domestic hot water. The efficiency of solar thermal is many times that of solar PV. The difference in panel count is amazing. Seems with circulating hot water, you could easily heat an entire high efficient ho...
by Valuethinker
Fri Jan 13, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Auto Loan [vs. investing]
Replies: 41
Views: 1873

Re: Auto Loan [vs. investing]

What would you do? Pay cash and be done with the deal, or finance at 2.19% and invest the difference? Looks like the best rate just went up from 1.99% 12-48 months to 2.19% 12-48 months. Best rate in my area from local bank I deal with. I am leaning towards paying cash and being done with the deal ...
by Valuethinker
Fri Jan 13, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Reit ETF - Accumulating
Replies: 6
Views: 877

Re: Reit ETF - Accumulating

Hello, I am European Investor, looking to replace the current ETF I have on my portfolio. Currently I have 'db x-trackers FTSE EPRA/NAR Dev Eur RE UCITS ETF', which replicates the Index: EPRA/NAREIT Developed Europe. I don't have any particular reason to invest on 'Developed Europe'. The same way I...
by Valuethinker
Fri Jan 13, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: Reit ETF - Accumulating
Replies: 6
Views: 877

Re: Reit ETF - Accumulating

I don't know about Europe, but in the us reits must distribute 90% of dividends. So I don't know whether an "accumulating" reit exists. .FromInvestopedia: "REITs are required by law to maintain dividend payout ratios of at least 90%, making them a favorite for income-seeking investor...
by Valuethinker
Fri Jan 13, 2017 5:12 am
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 1554

Re: Dishwasher Maintenance

When our dishwasher was installed 4 years ago, the installer said to use some chemical every 6 months (I think) to prevent scale from building up on the heating element. We do have hard water and I see scale on the element. But I forget what he said to use. I think we did it for the first year or t...
by Valuethinker
Fri Jan 13, 2017 5:01 am
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

Thank you everyone for all of the great suggestions! I spent some time reading about geothermal and I have to say I'm very interested. The possibility of not having to rely on propane or oil is very attractive. And solar panels can always be installed in the future to buffer the electricity cost of...
by Valuethinker
Thu Jan 12, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Stock dilution, questions
Replies: 4
Views: 258

Re: Stock dilution, questions

And I found most of the answer with a bit more searching. The answer is that when the new shares are issued, some external party is paying money to the company for those shares. So long as they were valued correctly, while your ownership % will decrease, the value of each pre-existing share shouldn...
by Valuethinker
Thu Jan 12, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

Don't know if it has been said already, but if it is possible, look into geothermal (it will require well drilling on your property). My wife and I did it for our home (new construction) and it is fantastic. It provides both heating/cooling. Older geothermal systems often times needed a "suppl...
by Valuethinker
Thu Jan 12, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

A hybrid system would also be possible to avoid the complexities of installing a geothermal pump (long trench or vertical bore). That is: an Air Source Heat Pump for ordinary heating & air conditioning. The Japanese make some fine models now, and Japan is not warm in winter, so these can handle ...
by Valuethinker
Thu Jan 12, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

There appears to be some consensus seems on considering a second 1000 gallon tank or perhaps a 500 gallon tank in addition to the 1000 gallon tank I already plan on installing so that I can fill for the entire year in the summer when the prices are the lowest. Great points about radiant floor heati...
by Valuethinker
Thu Jan 12, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

Perhaps check if local propane providers will let you pre-buy your propane during the summer for delivery over the course of the winter. That option available where I live. If you pre-buy 1000 gallons, you might not need a huge tank to save, although you may want it for other reasons. Wonder if bur...
by Valuethinker
Thu Jan 12, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2505

Re: Home heating options

There were all sorts of replies as I was typing my last post. Thanks for all the suggestions so far. I did consider geothermal as this was also mentioned by a friend who currently has this option for heating. I haven't done any pricing on it yet and will likely stick with conventional heating. A re...
by Valuethinker
Thu Jan 12, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 3964

Re: tiaa/cref lazy portfolio

With such a small amount of your overall portfolio here (for now at least), could you choose the lowest ER fund 100% and let it ride? Direct new contribs there as well. Balance your AA with the assets outside of this account. Don't give up on the employer match -- that generally overwhelms even poo...
by Valuethinker
Thu Jan 12, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4485

Re: France or Switzerland

If your wife is afraid, then you shouldn't go. It doesn't really matter if her fear is rational or not; if she feels it, she feels it. And there are many other places to go in the world. But would she feel better if you avoided, say, Paris and stuck to moral rural areas in France? Alsace, for examp...
by Valuethinker
Thu Jan 12, 2017 5:16 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4485

Re: France or Switzerland

According to the Economist.com's Big Mac index, Switzerland is literally the most expensive place in the world. Big Mac Cost : - Switzerland: $6.59 - USA: $5.04 - Euro Area: $4.21 http://www.economist.com/content/big-mac-index The Economist folks must have bought their Big Macs in Alaska or Hawaii!...
by Valuethinker
Thu Jan 12, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4485

Re: France or Switzerland

A major city in the US is significantly more dangerous than anywhere in France. You aren't looking hard enough. There's bad places in every country. A bains-lieues though (sp?) i.e. a relatively disconnected immigrant suburb of a major French city is not usually desperate. Yes there may be street c...
by Valuethinker
Thu Jan 12, 2017 5:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Returns
Replies: 20
Views: 2807

Re: Vanguard International Index Returns

That will not happen with international funds as long as we have an ever stronger dollar. Currency rates are unforecastable. Take a look at the dollar up to the September 1987 Plaza Agreement, and its fall in the 6-7 years thereafter (S&L Crisis and bailout, etc.). The same factors that are say...
by Valuethinker
Thu Jan 12, 2017 5:05 am
Forum: Investing - Theory, News & General
Topic: A few very basic investing theory questions that have bugged me lately
Replies: 49
Views: 4350

Re: A few very basic investing theory questions that have bugged me lately

T - Many people who buy too few shares to be able to make any decisions. And although the company is making lots of money, they also don't get any share of the profits.n. This is where your logic contradicts Modigliani-Miller. The cash, and the earnings, are *yours* even if the company doesn't pay ...
by Valuethinker
Thu Jan 12, 2017 4:57 am
Forum: Investing - Theory, News & General
Topic: A few very basic investing theory questions that have bugged me lately
Replies: 49
Views: 4350

Re: A few very basic investing theory questions that have bugged me lately

Assuming no tax, then the shareholder is indifferent between the company holding her money in its bank account, or paying it out to her. She still has the same amount of money. Sure. But if there is no payout, there is no cashflow, which was Nedsaid's argument for why stocks are different from base...

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