Search found 1856 matches

by bpp
Thu Feb 23, 2017 4:36 am
Forum: Investing - Theory, News & General
Topic: behavior and bogleheads wiki page on passively owning individual stocks
Replies: 10
Views: 820

Re: behavior and bogleheads wiki page on passively owning individual stocks

The https://www.bogleheads.org/wiki/Passively_managing_individual_stocks wiki page says: empirical studies have shown that individual investors exhibit multiple behavioral errors that result in poor performance. and Owning individual stocks instead of an index fund is kind of like seeing how the pr...
by bpp
Thu Jan 19, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: American in Japan need advice
Replies: 13
Views: 2023

Re: American in Japan need advice

Thank-you, I don't have a preference to a particular style right now, 2 Fund, 3 fund, couch potato, permanent etc. I've got the SMBC Nikko NISA set up now so I would like to do the best I can with that, and get active with investing. Looking at the 'Investing in Japan' page it seems I have the opti...
by bpp
Thu Jan 19, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Replicating Index with Individual Stocks vs Index Fund
Replies: 28
Views: 2561

Re: Replicating Index with Individual Stocks vs Index Fund

Nobody has mentioned the main reason one would consider buying the stocks directly: A legal restriction or tax structure that disadvantaged using funds. PFIC is but one example. Yes, the PFIC issue is why I use individual stocks myself. Tax-loss harvesting is another big reason people do it. In gen...
by bpp
Thu Jan 19, 2017 3:46 am
Forum: Investing - Theory, News & General
Topic: Replicating Index with Individual Stocks vs Index Fund
Replies: 28
Views: 2561

Re: Replicating Index with Individual Stocks vs Index Fund

Statman(2002) comes to this conclusion using 1926 - 2001 data: The expected annual benefit of increasing diversification from 20 stocks to the 3,444 stocks of the Total Market fund is 2.22% while the expected annual benefit when diversification increases from 50 stocks to 3,444 stocks is 0.94%. Eve...
by bpp
Sat Jan 07, 2017 4:53 am
Forum: Investing - Help with Personal Investments
Topic: American in Japan need advice
Replies: 13
Views: 2023

Re: American in Japan need advice

Is Vanguard Total Bond Market Index not available in Japan or becomes a PFIC ? It seems Mitsubishi-UFJ Domestic Bond Index Fund would be the best choice in the 1) plan mentioned above ? Thanks ! It is the reverse. Vanguard Total Bond Market Index ETF (BND) is available in Japan, though not through ...
by bpp
Fri Dec 30, 2016 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 4603

Re: Mortgage recast strategy - Feedback needed

3. Can any of you please share your personal experience with recasting (good or bad)? I have done much the same as you are planning, doing yearly pre-payments and recasts to gradually bring the monthly payment down. Here in Japan (at least at my bank), when one wants to make a principal pre-payment...
by bpp
Mon Dec 26, 2016 3:39 am
Forum: Investing - Help with Personal Investments
Topic: US citizen in Japan - Advice for my painful tax situation
Replies: 15
Views: 1847

Re: US citizen in Japan - Advice for my painful tax situation

My Inherited Traditional IRA: JP takes 20% of dividends and 20% of capital gains, then US smacks me around and taxes me again like it was normal income when I take it out. This is again the clear loser. Can you cash out the Trad. IRA in the same year that you take the capital gains, and claim the J...
by bpp
Tue Dec 20, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed income asset placement and selection - US citizen in Japan
Replies: 4
Views: 647

Re: Fixed income asset placement and selection - US citizen in Japan

My tax accountant takes the position that dividends and distributions in Roth IRA / 401k accounts are not taxable in Japan because they are not accessible to me without restriction, contra the wiki. Let's assume for the moment that their position is right and would be upheld if ever challenged. Thi...
by bpp
Tue Dec 20, 2016 4:44 am
Forum: Investing - Help with Personal Investments
Topic: US citizen in Japan - Advice for my painful tax situation
Replies: 15
Views: 1847

Re: US citizen in Japan - Advice for my painful tax situation

Problems: 3. I want to put some money in Vanguard Total US Bond Market, and I have the following options for placement: My US Taxable: US takes a 10% bite of dividends, and JP takes another 10% after foreign tax credit. US doesn't take any capital gains, but JP takes 20%. Strictly speaking, the US ...
by bpp
Thu Dec 15, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Tax software for U.S. expat in Japan?
Replies: 3
Views: 436

Re: Tax software for U.S. expat in Japan?

I use the NTA site for Japanese taxes, and either TurboTax or TaxAct for US taxes.
I don't have self-employment income, but all other categories you list are handled ok.
by bpp
Mon Dec 12, 2016 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Forever stocks (and building your own index fund)
Replies: 62
Views: 5044

Re: Forever stocks (and building your own index fund)

An added advantage of this approach is that one has nearly complete control over the taxes, unlike a mutual fund or an ETF where you can get hit with capital gains because someone else sold out of the fund. I am interested in knowing if anyone uses this, or a similar, approach, rather than buying a...
by bpp
Fri Dec 09, 2016 3:25 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15526

Re: Retiring in a Decade after Graduation

My dream is to retire in a decade or less and then move to Japan and teach english since I have my bachelors degree. Why not find an engineering job in Japan now? That's what I'm thinking. Is your dream specifically to teach English in Japan, or is it really just to live in Japan, with English teac...
by bpp
Fri Nov 25, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7282

Re: Black Friday - is this overdone?

Now on the news, this 'new' custom of Black Friday was featured. I smell paid placement. A proposal was even presented to declare the last Friday of every month Premium Friday... Well, thinking more about it, nothing wrong with sales per se. Just don't import the associated death tolls, please. Thin...
by bpp
Fri Nov 25, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 6686

Re: What IS this? Salad tongs for elves?

Wow, learned something really cool today about Victorian fashion accessories.
by bpp
Fri Nov 25, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 7282

Re: Black Friday - is this overdone?

Black Friday has become a "thing" here-- more examples of the internet allowing rapid transmission of social phenomena, in the manner of a cold virus. Great Britain, when it goes big for American culture, tends to grab the worst aspects of same (this may or may not be an example of that p...
by bpp
Thu Nov 24, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 6686

Re: What IS this? Salad tongs for elves?

Maybe a curtain ring clamp, something like the following, but with the wooden ring part missing?

Image
by bpp
Thu Nov 24, 2016 4:52 am
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 6686

Re: What IS this? Salad tongs for elves?

Mrs.Feeley wrote:I considered drapery hardware too, but I had a hard time coming up with what purpose the hardware would serve.


Tapestry or quilt wall hanging clamp?
by bpp
Mon Nov 21, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6598

Re: Fountain Pens - Do you use one?

If you like a pen that writes a bit like a fountain pen but without the problems of a FP, you might try the Pilot Precise V5 Stick Rolling Ball Pens, Extra Fine Point. I like it in blue ink. $9.13 for a box of 12 pens on Amazon https://www.amazon.com/Pilot-Precise-Stick-Rolling-35335/dp/B00006IEBJ/...
by bpp
Mon Nov 21, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6598

Re: Fountain Pens - Do you use one?

My first and favorite fountain pen was a Parker 25 . Lost it somewhere along the way, and it seems they don't make them any more. Pity. I have one. Matte black, fine nib. Nice. I had the plain steel version. Solid, minimalist, no-nonsense design, while seeming kind of futuristic in terms of late-'7...
by bpp
Mon Nov 21, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 104
Views: 6598

Re: Fountain Pens - Do you use one?

My first and favorite fountain pen was a Parker 25.
Lost it somewhere along the way, and it seems they don't make them any more. Pity.
by bpp
Sun Nov 20, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 9055

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

Solar shingles are already a quite commonly used, commercial product.
(Example: http://www.kaneka-solar.jp/products/visola.html)

If Musk can make them cheaper than existing products, though, that would be very nice.
by bpp
Sun Nov 06, 2016 12:41 am
Forum: Investing - Help with Personal Investments
Topic: [Japan] Investing in NISA
Replies: 8
Views: 1056

Re: [Japan] Investing in NISA

Agree with in_reality that rebalancing with new contributions should work. The balanced funds, though convenient, tend to have higher expense ratios than could be had using ETFs. The eMAXIS series seem to be some of the better ones out there, cost-wise, if one of them happens to match your desired a...
by bpp
Sun Oct 30, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Passport renewal - old passport
Replies: 22
Views: 2695

Re: Passport renewal - old passport

It has been almost ten years so this may have changed but my old passport came back with "Cancelled" all over it, your Argentine visa is likely a goner. Countries deal with transferring visas from old, cancelled passports to new ones all the time. Argentina might be an exception, but I wo...
by bpp
Sun Oct 30, 2016 2:58 am
Forum: Investing - Help with Personal Investments
Topic: [Japan] Investing in NISA
Replies: 8
Views: 1056

Re: [Japan] Investing in NISA

Do you think a combination of Blackrock high-dividend ETFs would be a good choice for NISA, or should I just stick with total world equity funds? If you are investing both inside and outside of a NISA, then I was suggesting putting the higher dividend payers of the funds you were planning to hold a...
by bpp
Wed Oct 26, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: [Japan] Investing in NISA
Replies: 8
Views: 1056

Re: [Japan] Investing in NISA

Hi ragnabear, The general consensus seems to be to put funds or ETFs with the highest earning potential in the NISA, but I would be using it to save for retirement (not ideal, but it seems to be the best option in Japan at the moment) and will not be able to rebalance. The tax-free period in the NIS...
by bpp
Tue Oct 25, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Aussie in Japan - How to start? Where to start?
Replies: 2
Views: 296

Re: Aussie in Japan - How to start? Where to start?

If you are planning to retire in Japan, then invest through Japanese brokers. This will give you the best tax treatment, and will also minimize the paperwork you have to file.

Also might find some useful information at the following links:
Investing_in_Japan
Filing Japanese tax returns (確定申告)
by bpp
Wed Oct 05, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5664

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by bpp
Tue Oct 04, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Job Hopping as an income increasing strategy?
Replies: 13
Views: 1498

Re: Thoughts on Job Hopping as an income increasing strategy?

I'm happy with my job, but everywhere I read it seems like the best strategy to increase income is job hopping. People my age seem to be job hopping constantly. Especially for those in computer science, it seems like 1 year tenures and then a huge increase in income by going to a competitor is extr...
by bpp
Tue Oct 04, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5664

Re: Mitsubishi ductless heating/cooling unit

What you are buying with Mitsubishi is the nature of the Japanese home market (extremes in temperatures, demand for quality and efficiency; although apparently they don't insulate their homes ). That used to be true, though not so much any longer. Insulation has been a sales point for some time now...
by bpp
Tue Oct 04, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5664

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by bpp
Tue Oct 04, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5664

Re: Mitsubishi ductless heating/cooling unit

opus360 wrote:Can a single unit be use to cool/heat these two side by side rooms?


Probably want separate units in each room. Otherwise, likely to overcool/heat one room, and undercool/heat the other one.
by bpp
Tue Oct 04, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5664

Re: Mitsubishi ductless heating/cooling unit

A lot of talk about Mitsubishi, but I might suggest looking at Fujitsu as well. Our recent purchases of split ductless aircons have been from Fujitsu (older ones from Hitachi and Daikin), mainly based on price and efficiency. Especially recommend getting the ones with sensors that can tell whether t...
by bpp
Mon Oct 03, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6510

Re: Where/how do Bogleheads get their tires inflated?

I use the free air pump at the gas station once every few months.
by bpp
Sat Sep 24, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: I want to remotely open a US bank account as a Non Resident Alien. Which banks can facilitate this?
Replies: 10
Views: 1063

Re: I want to remotely open a US bank account as a Non Resident Alien. Which banks can facilitate this?

Even if you can get a US bank to open an account for you from abroad, good luck in the future getting them to give your own money back to you. Unless you plan to move to the US in the future, keep your money far away from there. If you only need a US dollar account, there may be better options where...
by bpp
Sun Jul 17, 2016 4:53 am
Forum: Personal Consumer Issues
Topic: Okinawa: No Word for Retirement!
Replies: 6
Views: 1746

Re: Okinawa: No Word for Retirement!

I learned that the Okinawans have no word for retirement. This is the video wherein I heard this: https://www.youtube.com/watch?v=xwSGeoQnPVI Okinawans speak Japanese, which certainly does have a word for retirement. I suspect hyperbole, like saying that someone "doesn't know the meaning of fe...
by bpp
Tue May 31, 2016 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Switching to Bogling [European living in Japan]
Replies: 15
Views: 1166

Re: Switching to Bogling [European living in Japan]

If you hold a US-based ETF that holds only US stocks, then yes, that is better than an Ireland-based ETF that holds US stocks, at least in Japan, where the treaty rate on dividends is 10%. You should be able to take a foreign tax credit for that 10% against your Japanese taxes, since it is paid on d...
by bpp
Fri May 27, 2016 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Switching to Bogling [European living in Japan]
Replies: 15
Views: 1166

Re: Switching to Bogling [European living in Japan]

Following on what Karamatsu wrote, one possibility to consider might be to start with a NISA at a Japanese broker. You can invest 1,200,000 yen per year, tax-free for 5 years.
by bpp
Mon May 09, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14237

Re: Sci-Fi ... your favorite movies and episodes??

HomoLudens wrote:
"Stalker" is a great movie. "Solaris", another Tarkovsky's movie, is also a good choice.


I'll have to give Stalker a shot next, after the dreamlike glow from Solaris has worn off.
by bpp
Thu May 05, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14237

Re: Sci-Fi ... your favorite movies and episodes??

Would like to see the 1972 Tarkovsky version of Solaris some time. (Aha, it's on youtube!) best part is when the protagonist arrives on the space ship wearing a leather jacket and carrying a garment bag! I also rather enjoyed the scenes of zipping around Tokyo on the ShutoKou in a self-driving car....
by bpp
Thu May 05, 2016 1:05 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14237

Re: Sci-Fi ... your favorite movies and episodes??

Would like to see the 1972 Tarkovsky version of Solaris some time. (Aha, it's on youtube!) Just watched it. Wow, what a beautiful film. Completely absorbing, very emotionally gripping and dreamlike. Gonna have to watch this one a few more times. Also will have to check out Tarkovsky's other films s...
by bpp
Wed May 04, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14237

Re: Sci-Fi ... your favorite movies and episodes??

Movies: The Day the Earth Stood Still (original) Forbidden Planet 2001 Rocky Horror Picture Show Star Wars (original, without CG and with Han shooting first. Found all sequels and prequels progressively less fun than the original, though haven't seen the latest one yet.) Blade Runner Alien Aliens TV...
by bpp
Tue May 03, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Making my own German index "fund"
Replies: 37
Views: 2321

Re: Making my own German index "fund"

Hi all, So I'm a Boglehead that likes the idea of investing internationally but in practice I don't like the lack of shareholder protection and market history in other countries. Call me a wuss, but I don't feel comfortable investing in most other countries. I am fond of the German stock market and...
by bpp
Sat Apr 23, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 17683

Re: Stanley Kubrick's 2001 a space odyssey

To those who were amazed by the cut from the spinning bone to the spinning spaceship: me, too. Even though at the same time it seems a little obvious, and at the time it bothered me--the cinematic thing again--that I couldn't really see much of a logical connection between the two. One is a weapon ...
by bpp
Tue Apr 19, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Resident Alien Expatriates (Unofficially)
Replies: 10
Views: 1502

Re: Resident Alien Expatriates (Unofficially)

One question with regard to accessing social security, pension, and IRA: would there be any benefit to maintaining his current status rather than filing I-407 and IRS 8854? Note: he does plan to file back tax returns and FBARs with the high probability of no tax due. If he would be a "covered ...
by bpp
Sat Apr 16, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Resident Alien Expatriates (Unofficially)
Replies: 10
Views: 1502

Re: Resident Alien Expatriates (Unofficially)

Thanks for the responses. Turns out he hasn't filed form I-407 to formally abandon the green card. In fact no forms have been filed. So... does he count as an expat then? Just needs to catch up on past tax returns and then consider whether to officially "leave" the US? If he wants to do t...
by bpp
Sat Apr 02, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a tax software [Form 8938 - Specified Foreign Financial Assets]
Replies: 12
Views: 1609

Re: Help me pick a tax software [Form 8938 - Specified Foreign Financial Assets]

Both TaxAct and TurboTax allow e-filing with multiple accounts on Form 8938.
by bpp
Fri Feb 05, 2016 4:29 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 5348

Re: Take the Verb Tense Pledge!

I took the pledge.
by bpp
Tue Feb 02, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Japanese wife's yen while living in the U.S.
Replies: 5
Views: 1031

Re: What to do with Japanese wife's yen while living in the U.S.

It depends on laws by country, but if she is still a citizen there while holding residency in the US, she should be able to invest. Unfortunately, that is not true for Japan; she would have to be residing there to open an investment account there. (Which is generally the case for the US, too, thoug...
by bpp
Thu Jan 28, 2016 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 320

Re: FEIE using Turbo Tax

You may be getting hit by the stacking rule. Income excluded by the FEIE is not taxed itself, but is used to calculate the overall tax bracket. So it may be pushing unexcluded income into a higher bracket. So let's say my income from US-based businesses is $10,000 and my foreign income is $50,000, ...
by bpp
Thu Jan 28, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: FEIE using Turbo Tax
Replies: 3
Views: 320

Re: FEIE using Turbo Tax

You may be getting hit by the stacking rule. Income excluded by the FEIE is not taxed itself, but is used to calculate the overall tax bracket. So it may be pushing unexcluded income into a higher bracket.

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