Search found 3688 matches

by in_reality
Sat Mar 25, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 3
Views: 196

Re: [EM, Poland] Investing from EM, currency risk

Thank you for your reply. 1)Yes 2)Thats a problem cost, but I may change my mind. We have only few EU capitalizing Asia-Pacific ETFs, average expense ratio 0,5. Going for US ETFs real expense ratio is much the same because of TAX on dividend (0,15 withold + 0,4 for my country, real expense ratio = ...
by in_reality
Sat Mar 25, 2017 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 10
Views: 750

Re: Schwab's Intelligent Advisory (now live)

I can understand paying a one time fee to come up with a game plan, but why pay on an ongoing basis year after year? All you do is percentage rebalance as needed. Agreed, but if you had to put together a special needs trust, or started losing your memory or had a spouse who would sell everything an...
by in_reality
Sat Mar 25, 2017 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Advice for resident alien
Replies: 21
Views: 1531

Re: Advice for resident alien

My suggestions however don't appear to work. Weathfront uses ETFs for international funds. Personal Capital uses them for fixed income. Yeah, that's a pity since it seemed like a possible escape route, but it's not entirely unexpected. Robo-firms are clearly going to use low-cost diversified things...
by in_reality
Sat Mar 25, 2017 2:56 am
Forum: Investing - Help with Personal Investments
Topic: Need Newbie Advice for Large Sum - US or Europe?
Replies: 10
Views: 672

Re: Need Newbie Advice for Large Sum - US or Europe?

The currency you invest in is irrelevant as long as that currency continues to be exchangeable in future. It does not matter what the exchange rate does in the meantime. What does matter is the investments held within the ETF you are interested in. E.g. you can purchase an SP500 ETF in GBP, EUR, US...
by in_reality
Sat Mar 25, 2017 2:41 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 10
Views: 750

Schwab's Intelligent Advisory (now live)

I'm impressed with Schwab's new Intelligent Advisory (not to be confused with their Intelligent Portfolios Robo offering Intelligent Portfolios) http://www.schwab.com/public/schwab/investment_advice/intelligent_advisory Highlights: * Fee of 0.28% (capped at $900/quarter [i.e. zero additional fees af...
by in_reality
Fri Mar 24, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 42
Views: 2023

Re: Virtual Private Networks (VPNs)

in_reality wrote:I haven't been able to get the router to play nicely with Hulu, but the NordVPN client works on the iMac (so unfortunately that mean Apple TV is out).


Oops, had the DNS setting wrong.

NordVPN impressed me with their very quick response. Wish Vanguard were that good!!!!
by in_reality
Fri Mar 24, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 42
Views: 2023

Re: Virtual Private Networks (VPNs)

Are those using PIA doing so for their entire home network by modifying their router or using the application on specific devices? That's what I'm thinking. Would be easier for the family to just put it on the router via DD WRT. I bought a configured router from flashrouters (discount for cosmetic ...
by in_reality
Fri Mar 24, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for resident alien
Replies: 21
Views: 1531

Re: Advice for resident alien

... but for the US, I don't believe individual stock holdings trigger PFIC taxation rules. They don't. Only funds, ETFs, and some non-US life insurance plans have this problem. The PFIC rules are laughably intricate and arcane, but for regular investors they boil down to: US domiciled fund or ETF g...
by in_reality
Fri Mar 24, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice for resident alien
Replies: 21
Views: 1531

Re: Advice for resident alien

I was thinking about using ETFs... Why are stocks different for taxation purposes? What if I invest in a few US stocks from the US... What's the taxation under the different scenarios? I know nothing about Italy (except the pasta I had from there today was very good) and Italian taxation, but for t...
by in_reality
Fri Mar 24, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 3
Views: 196

Re: [EM, Poland] Investing from EM, currency risk

Hello, I'm living in Poland. I've done some research and I'm planning following portfolio: 1)stocks 80%: - db x-trackers STOXX 600 ETF 40% (acumulating, EU broker) - Vanguard S&P500 ETF VOO 40% (distributing, because there is no way to avoid tax leakage from EU domicle funds, dividend can be us...
by in_reality
Fri Mar 24, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Alternative List
Replies: 7
Views: 465

Re: Tax Loss Harvesting - Alternative List

Disclaimer: I utilize Schwab as my brokerage provider. But, I utilize funds from Vanguard and others as investments If I'm looking to setup a Tax Loss Harvesting plan. What would be considered reliable "alternatives"? In other words for example, if I'm selling Total Stock Market (VTI) for...
by in_reality
Fri Mar 24, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: brother managing mother's investments?
Replies: 7
Views: 1007

Re: brother managing mother's investments?

...he likes the idea of talking to her regularly... ...there are other siblings who would benefit from any help they get... ... mother is secure with her pension and has a million in addition... I don't pretend to know your mother or sibling, but my family would want to do what's possible to make su...
by in_reality
Thu Mar 23, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2576

Re: Why did my fund GO UP so much?

nisiprius wrote:livesoft, please, please... tell us where the screenshot is from.


The screen colors are wrong to be Vanguard's, but given Vanguard's general accuaracy on things, don't wonder if they weren't using Vanguard data :wink:
by in_reality
Thu Mar 23, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 1
Views: 353

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

MSCI's write up of outstanding issues preventing inclusion and what has/has not changed since the last look is here:

https://www.msci.com/documents/1296102/ ... 4d7e4e1127
by in_reality
Thu Mar 23, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2576

Re: Why did my fund GO UP so much?

aarons2288 wrote:I want to know your​ secret for paying $0.00004/share.


Livesoft has posted before how to get shares at a discount. You should follow his writings more closely! :wink:

viewtopic.php?f=1&t=208793
by in_reality
Thu Mar 23, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2576

Re: Why did my fund GO UP so much?

I thought some of you would enjoy this fund quote: http://i66.tinypic.com/2mfzm1z.jpg Full disclosure: I own this fund and now apparently zillions of dollars worth of it. And now I can afford a $1,124,176 car. :) To have zillions of dollars, wouldn't you need over 30 quadrillion shares? It's still ...
by in_reality
Thu Mar 23, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 64
Views: 3592

Re: Blog on emerging Markets, and investors underweighting them

It would be good if the article data could be boiled to down a specific actionable recommendation for unsophisticated investors like me :? . Is there a recommendation on how much weight should be given to EM - consider a standard 3-Fund portfolio with 60/40 stock/bond asset allocation with 20% of s...
by in_reality
Thu Mar 23, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1153

Re: What criteria warrants a need for Living Revocable Trust?

1 Substantial Wealth 2 Blended families. 3 Children 4 Human dynamics 5 Special needs 6 Substantial Wealth Actually none of these is relevant. Factors that would indicate the need for a revocable trust include: 1. If you live in a state where probating a Will, or dealing with the probate court, is p...
by in_reality
Thu Mar 23, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 64
Views: 3592

Re: Blog on emerging Markets, and investors underweighting them

If "Emerging markets represent about 13% of global equity capitalization", then why is the Vanguard Total World Stock Index Fund ETF (VT) only 6.87? If the answer is "because the definition of emerging differs", then shouldn't figures such as the one above give basic background ...
by in_reality
Thu Mar 23, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Advice for resident alien
Replies: 21
Views: 1531

Re: Advice for resident alien

Let's say I decide to stay in Italy (wikihas a page on it). From the bogleheads wiki page, as I understand things, Italy taxes returns from non-EU funds at a much higher rate than EU funds. So if you hold US domiciled funds or ETFs while resident in Italy, you pay an Italian tax penalty. The US doe...
by in_reality
Thu Mar 23, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 64
Views: 3592

Re: Blog on emerging Markets, and investors underweighting them

If "Emerging markets represent about 13% of global equity capitalization", then why is the Vanguard Total World Stock Index Fund ETF (VT) only 6.87? If the answer is "because the definition of emerging differs", then shouldn't figures such as the one above give basic background a...
by in_reality
Wed Mar 22, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 3-4 Fund Portfolio
Replies: 8
Views: 1142

Re: Schwab 3-4 Fund Portfolio

It sounds like I am in nearly the same process as you. My wife has a 401K with Schwab and I am wanting to move away from Guided Choice and handle it myself. I looked at ETF's first and came up with a portfolio that would look like this: SCHB - Schwab U S Broad Market ETF (59.5%) SCHF - Schwab Inter...
by in_reality
Wed Mar 22, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Leverage Target-Date fund to make rebalancing easier?
Replies: 5
Views: 459

Re: Leverage Target-Date fund to make rebalancing easier?

Since it's a roth IRA, convert the Admiral shares to ETFs... Ah, interesting. Thanks for the idea! I'll have to see how the $ amounts play out. What I'm hearing generally here is avoid the target retirement funds if I can. Well that's fine too. Personally I like to know my overall AA, so I would be...
by in_reality
Tue Mar 21, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 26
Views: 2020

Re: Help my portfolio is messy

As I stew over whether or not to liquidate a majority of my roth iras and convert to a handful of funds i have swayed between doing that or doing some type of hybrid. By that, I mean convert my portfolio into a pseudo-version of a core 4 portfolio with His Roth IRA being somewhat of a slice/dice in...
by in_reality
Tue Mar 21, 2017 3:20 am
Forum: Investing - Help with Personal Investments
Topic: Leverage Target-Date fund to make rebalancing easier?
Replies: 5
Views: 459

Re: Leverage Target-Date fund to make rebalancing easier?

Why not hold total stock in the IRA?

Anytime you need to adjust between US and international, you easily can!
by in_reality
Mon Mar 20, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 250

Re: US / International Equity

I was previously advised to be around 80/20 US/Int ... I was just wondering if, in a high price market, the Total International Admiral Shares were "cheap" / more prudent to buy into currently Is a 50/50 US/International allocation insane? Do the respective markets often balance each othe...
by in_reality
Mon Mar 20, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio covering the world for an Expat
Replies: 11
Views: 690

Re: Portfolio covering the world for an Expat

Thanks again for all the tips and tricks. I think I will leave the money in Germany that I would have invested in bonds and would have kept as cash (30% of my portfolio). The rest I will move over to the US. Before that I will check whether interactive brokers does allow me to open an account on th...
by in_reality
Mon Mar 20, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 26
Views: 2020

Re: Help my portfolio is messy

In terms of the 3 stocks you hold in your taxable account alone, they have all outperformed the S&P, Dow, and Nasdaq in the your time frame quite handily. Bravo! Yeah kudos and respect. It's tough for even talented managers who work in the field to maintain the performance though. I think you'd...
by in_reality
Mon Mar 20, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: IRA yes or no?
Replies: 41
Views: 2895

Re: IRA yes or no?

Thanks for your reply in_reality Unfortunately, my wife hasn't worked all these years because of health issues. It was just a thought. My comeback would have been so much easier with help from her. Hey look, companionship and health are more important than money. I just mentioned it because if it's...
by in_reality
Mon Mar 20, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Investing in the World - Part 1 [Financial Page blog article]
Replies: 37
Views: 2251

Re: Investing in the World - Part 1 [Financial Page blog article]

It would be interesting to see if Bogle's observation in 1994 still holds, namely that foreign stock outperformance is the result of the declining dollar. I'd want to know if it's cyclical. Maybe there isn't enough data to say, but it's said a strong currency exports economic strength. Also, higher...
by in_reality
Mon Mar 20, 2017 3:21 am
Forum: Investing - Help with Personal Investments
Topic: IRA yes or no?
Replies: 41
Views: 2895

Re: IRA yes or no?

What about delaying SS? If your wife could find work for 5 years to make up for the deferred SS, once you start claiming the amount will be higher. I don't know the exact amount or how social security works well, but if you are able to defer and receive a higher payment, won't that help your spouse ...
by in_reality
Sun Mar 19, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio covering the world for an Expat
Replies: 11
Views: 690

Re: Portfolio covering the world for an Expat

And more about bonds... Really why pay 1% each way to convert money to invest in bonds for two years-- especially Gov. bonds that pay very little if anything in Japan and several Euro nations. You might just keep that money in EURO (or is there any way to get anything on it in Germany), and use that...
by in_reality
Sun Mar 19, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio covering the world for an Expat
Replies: 11
Views: 690

Re: Portfolio covering the world for an Expat

Thanks a lot for your input! 1. Most of our money is still in Germany. Do you see any risk (except the costs I have to bring it over) in bringing it all over and invest it? What about currency risks connected to that? I personally do not see the EURO value increasing in the next few years, but who ...
by in_reality
Sun Mar 19, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3217

Re: Medical treatment in US for non US citizen

Toothache: I do not understand the comment about insurance companies requiring providers/hospitals to charge multiples of what they are paid when the patient is covered by insurance. In my practice there were many patients who had no insurance who negotiated payment based on the amount an insurance...
by in_reality
Sun Mar 19, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 610

Re: U.S. medical billing system (duplicate originals)

So we are expecting to pay all expenses and get reimbursed from the insurance companies (d above). The companies want original diagnosis and bills for payment though, thus the question about obtaining two copies. We're working on figuring out what exact documents the insurance companies will need, ...
by in_reality
Sun Mar 19, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 26
Views: 2020

Re: Help my portfolio is messy

You don't want a dividend paying fund like SCHD in a taxable account. I'd turn off dividend reinvesting for all your stocks in taxable account actually, Why? Please explain? Why turn off reinvestment in taxable account? Is it better to take dividends into the core account. Then do what with the cas...
by in_reality
Sun Mar 19, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 610

Re: U.S. medical billing system (duplicate originals)

When I have had to deal with such things, I had my student directly talk to the school official enforcing their rules. It turned out that there so many exceptions that they did not make known, so that they would not be inundated with individual decision making. But if one did talk to them they were...
by in_reality
Sun Mar 19, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3270

Re: 15% International Small-Cap vs 30% Total International

rollsound - considering the backtester that triceratops linked and what Larry Swedroe noted, you could achieve the same results as shown for backtester portfolio 3 with 20% US small cap value, 20% International Small, 30% TIPS & 30% Short Term Treasuries (try plugging in these values), and ther...
by in_reality
Sun Mar 19, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 610

Re: U.S. medical billing system (duplicate originals)

Thanks for your input. If I am reading this correctly, you're trying to avoid purchasing the university mandatory medical insurance for students. But your primary insurance does not meet the qualifications to avoid the mandatory university medical insurance, so you want to add a secondary policy for...
by in_reality
Sun Mar 19, 2017 5:39 am
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 20
Views: 1132

Re: Crowdfunding real estate?

Given the illiquidity and tax treatment of income, seems to me these are best suited for self-directed IRAs and 401Ks for either: (a) investors who are years from retirement and don't need liquidity or (b) investors in or near retirement who want an income stream generated within their tax-advantag...
by in_reality
Sun Mar 19, 2017 3:44 am
Forum: Investing - Help with Personal Investments
Topic: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax
Replies: 8
Views: 364

Re: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax

You should try to use the FEIE + housing deduction.

If you can exclude all your Australian income that way, then you will have your $6300 US standard deduction and $4,050 personal exemption. You could use those to offset capital gains and thus reduce future tax.
by in_reality
Sun Mar 19, 2017 3:11 am
Forum: Investing - Help with Personal Investments
Topic: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax
Replies: 8
Views: 364

Re: Australian Temporary Visa and Rebuying Funds to Reduce Future Tax

Assuming I math correctly, I believe I won't have to pay any US tax on these capital gains, because they will be offset by the large foreign tax credit of my Australian taxes. Sorry, but I am stumped by whatever you are trying to say here. These seem to be two unrelated contributions to your tax. U...
by in_reality
Sun Mar 19, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 452

Re: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

Do you have tax advantaged space? If so what is in it? If you can shelter bonds in tax advantaged, it might be best but rates are so low it might not make much difference. Hard to know the future of course. As for which funds, VTSAX (US Total Market) and VTIAX (Total international) are all you need ...
by in_reality
Sun Mar 19, 2017 2:23 am
Forum: Investing - Help with Personal Investments
Topic: Why select gov bonds vs non-gov bonds for American expat?
Replies: 4
Views: 241

Re: Why select gov bonds vs non-gov bonds for American expat?

Anyway, you are young. Don't worry that much about USD exposure right now. You really probably don't know where you are going to retire anyway and there is lots of time to think about your plan. The important thing is to get started with a reasonable plan today.
by in_reality
Sun Mar 19, 2017 2:12 am
Forum: Personal Finance (Not Investing)
Topic: U.S. medical billing system (duplicate originals)
Replies: 8
Views: 610

U.S. medical billing system (duplicate originals)

How does medical billing generally work if you have more than one insurance policy? Can I easily get duplicate originals (diagnosis and receipt) from providers to get reimbursed? The cost of making a bill is covered in the insurance itself, so it's fine if I get billed for the extra paperwork. Just ...
by in_reality
Sun Mar 19, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Why select gov bonds vs non-gov bonds for American expat?
Replies: 4
Views: 241

Re: Why select gov bonds vs non-gov bonds for American expat?

As far as the allocations you suggested, why is VB not necessary? What do you think about mid-caps? I was starting to add them, but it just became too complicated. VTI has market cap weighting of mid-caps and small caps already. I just don't see the need to overweight small cap growth. They have be...
by in_reality
Sat Mar 18, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Why select gov bonds vs non-gov bonds for American expat?
Replies: 4
Views: 241

Re: Why select gov bonds vs non-gov bonds for American expat?

Not sure if I will live in America when retired, so can't count on Social Security, or tax-advantaged accounts Same here. Be aware of possible social security totalization agreements. For instance, you might not have enough credits to receive US Social Security, but if you are paying in another cou...
by in_reality
Sat Mar 18, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio covering the world for an Expat
Replies: 11
Views: 690

Re: Portfolio covering the world for an Expat

I am now wit TD Ameritrade and will switch to the respective best one for non-residents before we leave. Interactive Brokers is another one to consider. I prefer Schwab, but IB is a good place to try if something changes and they not longer can accept residents of Germany. I have some more question...
by in_reality
Sat Mar 18, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Expat-friendly Roth IRA?
Replies: 7
Views: 382

Re: Expat-friendly Roth IRA?

I second the recommendation for Schwab. If you can open an account with them, you will be able to purchase shares of US ETFs with no problem at all (Schwab ETFs commission-free, Vanguard's for $6.95/trade). You could also open an IRA (traditional or Roth) with them, but as has been pointed out, in ...

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