Search found 759 matches

by Hyperborea
Wed Jan 16, 2019 3:05 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 74
Views: 4010

Re: Any thoughts on the role of Gold in your portfolio?

Yup. Mr. Bogle does this. https://youtu.be/3uJbHREmUs4 Around 56 minutes into the interview Mr. Bogle recommends 5% gold. 57:00 "And then, against two contingencies, just in case, I put 5% in Emerging Market Index, and, I hope your sitting down, 5% in Gold... a 5% hedge against some kind of catastr...
by Hyperborea
Tue Jan 15, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 74
Views: 4010

Re: Any thoughts on the role of Gold in your portfolio?

Yup. Mr. Bogle does this. https://youtu.be/3uJbHREmUs4 Around 56 minutes into the interview Mr. Bogle recommends 5% gold. 57:00 "And then, against two contingencies, just in case, I put 5% in Emerging Market Index, and, I hope your sitting down, 5% in Gold... a 5% hedge against some kind of catastr...
by Hyperborea
Thu Jan 10, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2291

Re: How do you manage credit card use with monthly budget

It really doesn't matter when the credit card payment is accounted for as long you account for it. Why not just account for the payment in the month that you pay the credit card bill. So, if you pay for December's credit card expenses with a transfer in January then that is the month you account for...
by Hyperborea
Thu Jan 10, 2019 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 9844

Re: Are we at "Peak FI"?

FIRE has always been here. The only thing remotely new is the acronym. The acronym isn't even that new either it's just new and louder adherents. IIRC, the acronym was coined by intercst (John Greaney) in the late 90's as the name used for a discussion board on the Motley Fool. When "he who shall n...
by Hyperborea
Wed Jan 09, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13785

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

I think that the slow and steady route of LBYM is a necessary part of getting there. Even if you earn a lot more, if you spend it all then you won't become a millionaire. However, you should look at the other side of the issue. How can you improve yourself and raise your income? If you can do that a...
by Hyperborea
Wed Jan 02, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: HCOL Real Estate as Retirement? Bay Area
Replies: 44
Views: 2601

Re: HCOL Real Estate as Retirement? Bay Area

If you can still make Roth IRA contributions then your income for a couple (< $200K) is not that high in the Bay Area. I would suggest that instead of putting the time into being a landlord that you would likely get more return by putting the time into your career.
by Hyperborea
Mon Dec 24, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11853

Re: All the "should I be 100% stocks" threads over the last year.

Whenever the market takes a dump there's the schadenfreude threads about high equity investors. I know a couple of people at work that were 100% S&P 500 in our work plan for around 30 years. They both recently retired and don't care about the markets, small cap value, international, age in bonds, r...
by Hyperborea
Sun Dec 23, 2018 5:15 am
Forum: Personal Finance (Not Investing)
Topic: International Checking account?
Replies: 15
Views: 980

Re: International Checking account?

Two issues with the foreign account if you are now a US resident. The first is the reporting of the bank accounts by you to the US - FBAR and IRS Form 8938 . The second is FATCA and that means that the bank has to report a lot of stuff to the US. That may mean that the EU bank doesn't want you as a ...
by Hyperborea
Sat Dec 22, 2018 3:46 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11853

Re: All the "should I be 100% stocks" threads over the last year.

Why are we just assuming that all of these people are now suddenly running for cover? Because it feeds into the worldview of those holding a 50/50 portfolio who have secretly regretted it while the market is going up. Some hold a 50/50 and are happy with it and that's fine. It's the one's who regre...
by Hyperborea
Sat Dec 22, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: "Stay the course" is rational -- but is it reasonable?
Replies: 43
Views: 5428

Re: "Stay the course" is rational -- but is it reasonable?

It seems to imply that one's frame of thinking should shift to focussing on the "fat tail" of investment returns rather than the middle of the distribution; the low-probability but severely negative outcomes. For example, what would be the level of regret I might experience if my stock holdings los...
by Hyperborea
Fri Dec 21, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9743

Re: When did the musicians on the titanic realize their fate?

Where are the posters who say they are holding 90/10 funds? Are you really asking out of interest or only a desire to thump your chest and try to reinforce your own belief in the "superiority" of your decision? If it's the former then a less aggressive questioning would be recommended. If it's the ...
by Hyperborea
Sun Dec 16, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 41
Views: 2117

Re: AGGG vs AGGU? (French, 30, living in Singapore)

Yes. Surfing around on the topic, it appears that the derivatives cost of hedging (futures, forwards, options & swaps) cannot be matched exactly to one particular currency class of shares/ units. Thus, the expense ratio for all shares/ units is raised by currency hedging. That makes sense. What doe...
by Hyperborea
Sun Dec 16, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding dividends (NRA in SG)
Replies: 20
Views: 1417

Re: Understanding dividends

Thanks Ted and Hyperborea, this was very helpful and near impossible to realize that there may be tax differences for 'Distributing' vs. 'Accumulating' dividends. For Singapore there are no gains taxes, however I shall confirm the same with IRAS just to be on the safe side. :| Are you an American i...
by Hyperborea
Sun Dec 16, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Understanding dividends (NRA in SG)
Replies: 20
Views: 1417

Re: Understanding dividends

For the 'ex-data' which seem to be an important cut off date which you wanna make sure you buy the shares/ETFs before to be eligible for dividends ... Note however that you do not gain by buying just before the ex-dividend date. The ETF's share price will drop by the dividend amount on that date --...
by Hyperborea
Fri Dec 14, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 128
Views: 15055

Re: How to learn a second language

A new year (2019) will be here very soon! Has anyone set a resolution to learn a foreign language in 2019? If so, what methods do you plan on using?Formal classroom, CD's, Duolingo, move to a country that speaks the target language(immersion)? And to those that have been studying a foreign language...
by Hyperborea
Thu Dec 13, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 22
Views: 2246

Re: Guitar Players -CAGED system

What you're talking about are chord fragments. Some of the parts of some of the more complex chords overlap with simpler chords or some of the parts of simpler chords. It's inevitable because of the limited number of notes. These fragments can be used in playing. Some of the more complex chords are ...
by Hyperborea
Wed Dec 12, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2451

Re: Trip to Italy

was in Italy beginning of November, the weather was great. Unless you were in one of the flooded area (dont think venice flooding subsided until Nov 1 or 2nd). I've been to Italy in March and November - best months - nice weather for walking and less tourists crowding up things. I can't imagine bei...
by Hyperborea
Wed Dec 12, 2018 4:13 am
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2451

Re: Trip to Italy

Totally incorrect on the insurance. One of the major benefits of a card like the Sapphire Preferred is the car rental insurance. You have to decline the rental comapny’s coverage for the credit card benefit to kick in. And there’s no such thing as an international license. There’s an international ...
by Hyperborea
Tue Dec 11, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 22
Views: 2246

Re: Guitar Players -CAGED system

What the heck are modes? As I understand it, one remains in the key signified, but the music is centered on another note....is that somewhat correct? So instead of resolving back to the note which is the key, it resolves back to the center. That's sort of the basics of it except that the note that ...
by Hyperborea
Mon Dec 10, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14380

Re: Retired in your late 40s or early 50s?

Speaking from experience, things change. I turned my hobby into my career 20 years ago. For the first 15 years it barely felt like working at all. But over the last 5 years or so it has started to become less interesting. Solving the same problems over and over, accomplishing every goal I set out t...
by Hyperborea
Wed Dec 05, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU investor long term portfolio feedback
Replies: 33
Views: 2009

Re: Young EU investor long term portfolio feedback

I don't have the figures to hand, but you will find the 80%/20% portfolio has very similar performance to the 100% portfolio over a 30 year period, say. And the volatility will be significantly less. That's the benefit of diversification. I'd like to read such study! My logic is very simple: Most e...
by Hyperborea
Mon Dec 03, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14380

Re: Retired in your late 40s or early 50s?

I retired just over 2 years ago at 51. I haven't regretted it at all. We spent about a year and a half in place doing things we wanted to do in the Bay Area and cleaning out the house. I think the unwind time in place was really important. It took at least a year before I mostly decompressed. We are...
by Hyperborea
Sun Dec 02, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

this is what im trying to tease out. i know what a stock is, and a bond, and a commodity, and a painting. i get it. what i do not accept, is the premise that taking a passive market cap weighted indexing approach to stock investments somehow necessitates, or is otherwise philosophically inconsisten...
by Hyperborea
Sun Dec 02, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4597

Re: Should I move to a more conservative AA? 80/20 to 60/40?

If you are planning to retire or sort of retire in your early 40's then you need to consider that you will potentially have a very long retirement. You and your wife may have a 10% joint life expectancy at that time of somewhere nearing 60 years (10% chance at least one of you is alive). That combin...
by Hyperborea
Sun Dec 02, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

interesting how some bogleheads are incapable of selecting stocks while capable of selecting stock markets. And how many are capable of predicting future returns of equity markets and overweighting them for "juiced up returns" while reducing global market weight balances of bonds, cash, commodities...
by Hyperborea
Fri Nov 30, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

interesting how some bogleheads are incapable of selecting stocks while capable of selecting stock markets. And how many are capable of predicting future returns of equity markets and overweighting them for "juiced up returns" while reducing global market weight balances of bonds, cash, commodities...
by Hyperborea
Sat Nov 24, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating salary when you know you're underpaid
Replies: 16
Views: 2077

Re: Negotiating salary when you know you're underpaid

Megacorps also usually have raise tables based on your performance and salary relative to the range for the position. If you are below or on the low end of the range then pay raises should be larger and will close the gap even with an average performance rating. With better than average ratings the ...
by Hyperborea
Sat Nov 24, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

I held 50% international (EAFE, large value, small company, FTSE all-cap) for 23 years and consider it almost totally useless for any purpose other than reducing portfolio returns. With the same rearview mirror, I look at Total US market the same way. I should have held US Micro Cap or US Small Cap...
by Hyperborea
Fri Nov 23, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 67
Views: 6614

Re: Credit Card for International Travel

I use a Chase Sapphire Reserve and American Express Platinum for my travel cards. Both have great benefits for travelers. They do have high annual fees, however, you can get most if not all of it back with the benefits of the card. I use my Charles Schwab Investor Checking Debit Card for all intern...
by Hyperborea
Fri Nov 23, 2018 2:43 am
Forum: Investing - Theory, News & General
Topic: What to do when you have Less than 100K ? say just 50k
Replies: 36
Views: 4091

Re: What to do when you have Less than 100K ? say just 50k

The best thing you can do for your portfolio is invest in yourself and your career. Leave your $50K invested in something simple as mentioned above (2-4 fund portfolio + a decent emergency fund). Then work to improve your earnings - what do you need to do to get promoted at work, can you do somethin...
by Hyperborea
Wed Nov 21, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3573

Re: What's in your Investor Policy Statement about Bear Markets?

During my accumulation phase while I was working it was the same as a lot of the others - rebalance. The only other thing to think about was tax loss harvesting. I was also careful to do all the rebalancing (bear market or not) so that there was never any taxable gains generated. That way all the ta...
by Hyperborea
Sat Nov 17, 2018 3:45 am
Forum: Personal Consumer Issues
Topic: Foreign Currency
Replies: 24
Views: 1055

Re: Foreign Currency

I'll concur with the 7-11 and post office ATMs. Use a bank card for an account in the US which has no currency exchange fees, good exchange rates, and better still rebates ATM fees. I would recommend a Schwab debit card that does both. Second to that would be a Capital One bank card which has all bu...
by Hyperborea
Thu Nov 15, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

How do those who are anti-international investing recommend a Canadian investor should deal with this? Right now, my equity investments are generally aligned with global market caps, with a slight tilt towards US. I'd recommend you ask this same question in our sister Canadian forum: Financial Wisd...
by Hyperborea
Wed Nov 14, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Moto G5+ to Moto X4?
Replies: 6
Views: 695

Re: Upgrade from Moto G5+ to Moto X4?

I don't have any hands on experience with the G5 but have an X4 and now a G6 plus. I only swapped because my X4 doesn't support the cell frequencies of the country that I'm currently in. The X4 is a decent phone. It's not a top line phone but at that price is a very good deal. Is that the Android On...
by Hyperborea
Tue Nov 13, 2018 5:05 am
Forum: Investing - Theory, News & General
Topic: Expected nominal return in 80/20 stock/bond fund for next 10 years
Replies: 10
Views: 1994

Re: Expected nominal return in 80/20 stock/bond fund for next 10 years

Then you will see that starting at any arbitrary date, and forecasting returns over the next 10 years, you could have had 100%+ returns (as the US since 2008) and minus 100% returns. Any market in 1929, Japan in 1989, UK in 1970 (in real terms), US in 1968 (again, real) are all pretty salutary and ...
by Hyperborea
Tue Nov 13, 2018 3:05 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

Just because somebody is right on one topic does not automatically mean they are right on other topics even within the same field. In the sciences it is almost a cliche that elderly scientists, even ones who were rebels in their youth, are the ones resisting the new truths. Einstein is a classic exa...
by Hyperborea
Sun Nov 11, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8899

Re: What's Your Fixed Income Strategy?

Years to retirement or already in retirement? 2 years into an early retirement and I'm in my early-ish 50's. Fixed income allocation as part of total allocation (Equity/Fixed Income) About 60/40 on a sort of glide path towards somewhere around 90/10 or so. It's only a sort of glide path because tax...
by Hyperborea
Sat Nov 10, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100601

Re: How much international stock? A suggestion.

Is there a way to see the returns of a portfolio that contributes $1000 to the US total stock market portfolio on a monthly basis since inception, vs one that contributes $800 to US and $200 to intl indices? Yes, you can do it on portfolio visualizer. From 1986 until today (32 years), with your con...
by Hyperborea
Thu Nov 08, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1936

Re: How to plan for bonus without knowing amount?

When I was working the largest part of my yearly income was stock and bonuses. The salary was good (6 figures) but the variable part was much larger. We lived out of the fixed salary part of my income only. The variables parts were entirely thrown into the investment pool. The variable amount can so...
by Hyperborea
Thu Nov 01, 2018 3:42 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17647

Re: Why I'm 100% stocks

I was being rather sarcastic... but still the point is 100% is pretty arbitrary. If so then so is 50% or 20% or 75%. All are just as much arbitrary or not as 100%. But then usually this argument is only put forward by those trying to defend their own allocation and poo-poo another's choice. One mig...
by Hyperborea
Fri Oct 19, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11408

Re: What do you consider 'enough'?

Does anyone out there in their working years have a way of figuring out what is 'enough' in terms of income to support their current lifestyle and to also save for the future? Depending on your job/career you need to think of more than your income. It's pretty hard to come to a set income level and...
by Hyperborea
Thu Oct 18, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17139

Re: Where would you go for financial guidance if you win the Megamillions?

Murgatroyd wrote:
Thu Oct 18, 2018 6:49 am
My dream is to give my beloved university enough endowment to have a building in my name.
Doesn’t Murgatroyd Hall sound intellectual?
Make it a building for the astronomy department and you could call it "Heavens to Murgatroyd". :P
by Hyperborea
Wed Oct 17, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2154

Re: Retired applying for credit cards

I've had no problem getting credit cards after I retired even premium credit cards (AmEx Platinum with a 100K point sign on bonus). I've listed retired and put down an income that was my yearly withdrawal from my portfolio.
by Hyperborea
Wed Oct 17, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11572

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I wonder why the heat is turned on for this topic but not for any other nearly to this extent. I don’t recall the small-value tilters or age-in-bonds folks looking down their noses nearly as much as I see the “globalists” do when this topic comes up every week. I’ve never seen a small-value tilter ...
by Hyperborea
Tue Oct 16, 2018 2:29 am
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19793

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

If your objective is to translate decades of "saving for retirement" into retirement income, the medium and low inflation adjusted SWR's (3-4%) lack much utility, other than providing a pretty good stake in the richest person in the graveyard contest. Here's 5% of annual portfolio balance spend wit...
by Hyperborea
Wed Oct 10, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 662

Re: Any great (or even decent) Anki or AnkiDroid users?

I also use on my Droid phone and have tried to create decks only on my desktop, but don’t seem to have a clue how to do it. Can you edit shared decks? Like have notes present one of the other fields (written, or English, rather than audio)? Then start simple and work your way up to more complex thi...
by Hyperborea
Mon Oct 08, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 662

Re: Any great (or even decent) Anki or AnkiDroid users?

The deck making for Anki is the easy part, it's getting the data to make the deck from that is the hard part. Where are you planning to get that from? You are going to have to enter it yourself, find it out there somewhere, or repurpose an existing Anki deck. Entering it will take a long time but wi...
by Hyperborea
Thu Sep 27, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92036

Re: How much money do you want to retire?

Peppergrass wrote:
Thu Sep 27, 2018 11:35 pm
I'm 34. goal is 444 million
I don't think anybody with goals that high will ever retire. First, most people will never get there. Second, those that do have far too much ego tied up in their money and "skill" in getting there to ever retire.
by Hyperborea
Thu Sep 27, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2203

Re: Testing validity of Monte Carlo Simulators

There is skepticism. No doubt about it. People dismiss any model that tries to give some sort of forecast to your money. Data bad, what data, forgot some data, data insufficient. That is skepticism. So, I pose this question. What do you use to help you forecast your financial future? I don't have a...
by Hyperborea
Thu Sep 27, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing theory
Replies: 15
Views: 1492

Re: Rebalancing theory

I've made it a rule to never generate taxable income just for the sake of rebalancing. The allocation percentages are fuzzy anyways so a some amount out from the desired ratios won't matter that much. Even if it takes a few years to move back into line it doesn't matter. During accumulation that mea...