Search found 608 matches

by randomizer
Sun Nov 19, 2017 2:47 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 68
Views: 3767

Re: Is holding bonds now dangerous?

...The "danger" of bonds is not a negative nominal return but negative real returns, particularly over long periods... Yes, but I've never known how to get around this particular change of subject. The usual talk about bond "danger" starts by saying that there is a bubble in bonds, that interest ra...
by randomizer
Sat Nov 18, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Good Backtest tool
Replies: 2
Views: 342

Re: Good Backtest tool

Back to the mid-90s doesn't seem very far back at all.
by randomizer
Sat Nov 18, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Which Target Date Fund?
Replies: 13
Views: 1008

Re: Which Target Date Fund?

badbreath wrote:
Fri Nov 17, 2017 11:40 am
Vanguard Target Retirement 2050
Overall Morning Star Rating: 4 stars
$75 Transaction Fee
Turnover Rate: 53.53%
Expense Ratio: .16%
I think you have to relook at the turnover rate. I have never seen any of Vanguard's funds with that high of a rate
My thoughts precisely.
by randomizer
Fri Nov 17, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1165

Re: Is it a bad idea to invest several times a month?

I do it twice a month and (so far) the number of tax lots hasn't been an issue.
by randomizer
Fri Nov 17, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 36
Views: 3183

Re: Upgrading a flight - what are your rules?

Long flights: economy plus. Can't see myself ever being able to afford business, unless the markets are very kind to me to me for the next 10 years (unlikely, that given the length of the current bull).
by randomizer
Fri Nov 17, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1816

Re: Office Chair Recommendations (Aeron?)

fishmonger wrote:
Wed Nov 15, 2017 11:22 am
Save the money and buy a stand up desk. I've had one for 3+ years and will never go back to sitting
Takes a bit of getting used to, but this is my recommendation as well. Likely better for your health and posture too, provided you move around enough.
by randomizer
Thu Nov 16, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 81
Views: 2929

Re: Where did you first learn about investing?

I learned 95% of what I need to know from "The Bogleheads' Guide to Investing".

Still working on the remaining 5%, and I'm about 30 books deep so far.
by randomizer
Wed Nov 15, 2017 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 31
Views: 2148

Re: Best option for large foreign currency transfer

With large sum, interactive broker (IB) is hard (impossible) to beat. Open an account. Deposit your foreign currency into your IB account via IB Danish bank account. You can deposit just 1 Krona 1st to make sure all is in order. Buy US dollar, buy USD Cash Idealpro DKK, with your Krona on the IB fo...
by randomizer
Wed Nov 15, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2308

Re: Paying for news?

I don't pay for news, not as a matter of principal but simply because I don't find it to be convenient. There is plenty of freely available content in any case. Only bummer is sometimes somebody will link to something on the Wall Street Journal, but their paywall is insurmountable, it would seem.
by randomizer
Wed Nov 15, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1460

Re: How do you stop junk mail?

I like to mail back or re-mail some of the useless junk mail I receive. E.g. I stuff a Walmart flyer into a pre-paid American Express envelope and send it off. Doing my bit to support the USPS :D One reason to look forward to retirement: all the time you'll have to punish these entities for sending...
by randomizer
Tue Nov 14, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: "A Case Against Over Weighting International Equity"
Replies: 11
Views: 1409

Re: "A Case Against Over Weighting International Equity"

I wouldn't tilt to international. I'd like to hold a world market cap portfolio though. Like many others, I have slight home country bias in my holdings because that's what Vanguard does in its TR funds. I'm working on gradually correcting it via new contributions.
by randomizer
Tue Nov 14, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 1859

Re: problem new Vanguard Global Wellington fund

The fact that you are so anxious about this makes me wonder whether you'd have more peace of mind with a different fund.
by randomizer
Tue Nov 14, 2017 2:38 am
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 1921

Re: Iphone 4

The SE is pretty sweet. Fits nicely in your pocket but fast like a newer phone. Only downside: tiny screen is harder to read. I have one and aim to use it until it dies.
by randomizer
Sun Nov 12, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2865

Re: Paying off Home mortgage, partner doubts?

Tell her about it before you do it. I can see you doing great (perhaps permanent) damage to the marriage if you don't. And obviously, this means you may not end up paying it off, because that depends on the outcome of the conversation.
by randomizer
Sun Nov 12, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 3066

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

I don't care if there may be a quick buck to be made here, I won't touch it. Pure speculation, not investment.
by randomizer
Sun Nov 12, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 127
Views: 7780

Re: Thoughts about wearing a "uniform"/same thing everyday?

It works for Mark Zuckerberg and did for Steve Jobs. I don't do it as rigorously as they did, but I wear pretty much the same stuff every week.
by randomizer
Sun Nov 12, 2017 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Another "Can We Afford This House" ?
Replies: 28
Views: 2551

Re: Another "Can We Afford This House" ?

At $35k/month net it sounds like you don't have enough yet, but will soon enough.
by randomizer
Sun Nov 12, 2017 2:19 am
Forum: Personal Finance (Not Investing)
Topic: How to make the most of remitting a large sum in foreign currency?
Replies: 5
Views: 410

Re: How to make the most of remitting a large sum in foreign currency?

Hope the US dollar strengthens again, it has taken a beating over the last year, at least relative to the euro.
by randomizer
Sun Nov 12, 2017 2:16 am
Forum: Investing - Theory, News & General
Topic: What percentage in state municipal bonds?
Replies: 9
Views: 839

Re: What percentage in state municipal bonds?

Currently about a third of my bonds are state-specific munis, but I'd be fine with going at far as 50%.
by randomizer
Fri Nov 10, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Best Retirement Planning Software?
Replies: 6
Views: 833

Re: Best Retirement Planning Software?

I just use Google Sheets for everything. How do you do retirement planning that does not account for randomness of investment returns, or do you have a method to do that in a spreadsheet? Sorry, I should have been clearer: In practice I do all the things I care about in Google Sheets (for me, about...
by randomizer
Fri Nov 10, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Best Retirement Planning Software?
Replies: 6
Views: 833

Re: Best Retirement Planning Software?

I just use Google Sheets for everything.
by randomizer
Thu Nov 09, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 31
Views: 2148

Re: Best option for large foreign currency transfer

With large sum, interactive broker (IB) is hard (impossible) to beat. Open an account. Deposit your foreign currency into your IB account via IB Danish bank account. You can deposit just 1 Krona 1st to make sure all is in order. Buy US dollar, buy USD Cash Idealpro DKK, with your Krona on the IB fo...
by randomizer
Tue Nov 07, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12635

Re: How old are you and how much do you save for retirement a year

40s.

Used to save a ton, but then went and bought a house.

Hope to get back to saving again one day.
by randomizer
Tue Nov 07, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: From 100% equity to 80/20. Overnight or over a year?
Replies: 23
Views: 1867

Re: From 100% equity to 80/20. Overnight or over a year?

If you are making new contributions still, I'd just direct them all towards bonds until I hit the desired allocation.
by randomizer
Tue Nov 07, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Top tax bracket in CA - Bonds all muni?
Replies: 11
Views: 1023

Re: Top tax bracket in CA - Bonds all muni?

50 percent state-specific muni, 50 percent short-term tax-exempt (federal). Bonds are for safety, stocks are for growth.
by randomizer
Tue Nov 07, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 31
Views: 2148

Re: Best option for large foreign currency transfer

I've used OFX, but not for any amount that large, and obviously not from Danish Kr to USD... Still might be worth checking out though. In general I found their rates/costs to align pretty closely with Transferwise.
by randomizer
Tue Nov 07, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 840

Re: Three-fund portfolio investing from Europe

My sense is in most EU countries you may have issues accessing Vanguard. Thus the key will be ETFs, which are much easier for European investors to use. Your tax position in country of destination is key. As long as your cash at a brokerage is held in a fund (a Cash Fund) or other securities (such ...
by randomizer
Tue Nov 07, 2017 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 840

Re: Three-fund portfolio investing from Europe

- have you looked at the Vanguard ETFs like vanguard FTSE all world] ? - have a look at our wiki pages on international domiciles ? Maybe you can get more inspiration there? - in which country will you be living? Every country has a slightly different tax laws. I have looked at ETFs. They could be ...
by randomizer
Mon Nov 06, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 840

Re: Three-fund portfolio investing from Europe

1) How big are the transaction costs when purchasing Vanguard funds via BNP Paribas? An alternative is to just go for an accumulating Emerging markets ETF (e.g. by ishares), but then again, I guess your preference is to keep everything in index funds, and perhaps this would introduce some complexit...
by randomizer
Mon Nov 06, 2017 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 840

Three-fund portfolio investing from Europe

I'm trying to put together something that's close to a three-fund portfolio, but investing from Europe. I've been investing from the US for a while now but will be relocating to Europe, and this has been my investing evolution so far: Started off with a dead-simple Target Date fund. Moved to a Three...
by randomizer
Sun Nov 05, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2532

Re: Investment Books & Your Library

All my books are eBooks, so nothing to donate. I would if I could though. Definitely true about diminishing returns though; don't see much "new" at this point. Mostly reading out of restlessness and the feeling that I should somehow "prepare" myself more.
by randomizer
Sun Oct 29, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 96
Views: 6916

Re: Is it difficult to switch from an iPhone to an Android?

I personally wouldn't switch, after asking friends for their experiences of switching.
by randomizer
Sun Oct 29, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2593

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

Fun fact: I've been trying to reduce equities for a couple of years now so I basically only buy bonds. The darn market keeps going up though, meaning that I never quite get there. Guess I'll just keep buying bonds then. (I exaggerate only a little here, and I'm generally only a percent or two off wh...
by randomizer
Sun Oct 29, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2593

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

You clearly need to reduce stock exposure in order to sleep well at night, but beware of doing things "drastically". Set a new target AA, like 60:40, and direct new contributions to bonds until you get there. Will take a couple years (less if market heads south). When you get there, re-evaluate. Pe...
by randomizer
Sun Oct 29, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Expat mail forwarding mechanics
Replies: 7
Views: 953

Re: Expat mail forwarding mechanics

Thanks for the input, folks. I'm going to try out a forwarding service for a few months (pre-move) just to see how it works. I'll report back later once I've actually used it in case anybody finds that useful.
by randomizer
Sun Oct 29, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How fast can tax reform be rolled out (in general)?
Replies: 10
Views: 1940

How fast can tax reform be rolled out (in general)?

Not asking about the tax bill that is being prepared now because I understand that commenting on future law/policy is against the board rules. But I am interested in the general question of how quickly tax law can change, and has changed in the past. For example, I tried to estimate my tax bill for ...
by randomizer
Sun Oct 29, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5166

Re: No true pay as you go [cellphone plan]

Just found out about MintSIM. Not pay-as-you-go but cheaper than the rest because they sell blocks of 3 to 12 months at a time. Uses the T-Mobile network. Website answers all the questions I had about it.
by randomizer
Sun Oct 29, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2593

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

You clearly need to reduce stock exposure in order to sleep well at night, but beware of doing things "drastically". Set a new target AA, like 60:40, and direct new contributions to bonds until you get there. Will take a couple years (less if market heads south). When you get there, re-evaluate. Per...
by randomizer
Sun Oct 29, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18497

Re: Early-retired 35 year old with $1 million

In your situation I'd go into "semi-retirement". Work a bit, but take gigs you actually enjoy, and keep saving. Take long holidays. Keep doing that until your health no longer permits it. Live prosperously and happily.
by randomizer
Sun Oct 29, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8881

Re: we bought a house - are we housepoor now?

Doesn't seem house poor to me, although you could probably have bought much less house.
by randomizer
Fri Oct 27, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1626

Re: Barcelona Trip

I personally wouldn't plan a trip to Barcelona right now, but more out of a desire to avoid something unpleasant than out of concern for safety. If I already had the tickets booked I'd probably just go ahead with it.
by randomizer
Fri Oct 27, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3479

Re: Amazon kindle paperwhite

The paperwhite is a delight, but I still end up using my phone more than anything else. It's always with me and always charged, unlike the Kindle.
by randomizer
Thu Oct 26, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 75
Views: 9599

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Definitely a topic worthy of an "official" book, and this is about as official as it gets.
by randomizer
Tue Oct 24, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze for kids
Replies: 3
Views: 280

Re: Credit freeze for kids

Thanks Rupert, and sorry for the redundant post.
by randomizer
Tue Oct 24, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze for kids
Replies: 3
Views: 280

Credit freeze for kids

My kids have never applied for credit (have only been on the planet for a few years now) so is it correct to say that it there is no point in freezing their credit (to protect against identity theft)? In fact, it would probably be counterproductive, right? Because the clowns running the credit repor...
by randomizer
Tue Oct 24, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing and Investing Advice
Replies: 10
Views: 1059

Re: Market Timing and Investing Advice

If you are really going to need the money in 3-4 years, stick it in CDs (certificates of deposit, not credit default swaps. Ha!) If you would merely like to use it in 3-4 years but would be prepared do let it sit there for 10 years if you had to (in order to ride through a bear market) then you coul...
by randomizer
Sun Oct 22, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Expat mail forwarding mechanics
Replies: 7
Views: 953

Expat mail forwarding mechanics

I'm planning on moving permanently from the US to Europe. I want to set up mail forwarding because it will take me possibly 6-8 months after my move date to shut down all my accounts, transfer my assets, file my last tax return etc and I'd hate to lose any important mail during that time (even thoug...