Search found 407 matches

by FlyingMoose
Thu Oct 17, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10441

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I think iphones appeal to folks who aren't too techy, don't want to mess with anything to make it work, and just want it to be reliable. And who uses phones the most in your ecosystem? I have a degree in computer science and “mess with” computer stuff at work. I have an iPhone because I’m sick of d...
by FlyingMoose
Tue Jul 30, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 110
Views: 17196

Re: A low-cost 5 fund Boglehead portfolio

Why international-small but not international-value? (My starting point is the TrevH 4-fund thread)... One of his objectives was low cost. Hard to find low cost ETF for Intl small value. Wish there was. Not international small-value. The TrevH portfolio uses 1/2 international-small and 1/2 internat...
by FlyingMoose
Tue Jul 30, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 110
Views: 17196

Re: A low-cost 5 fund Boglehead portfolio

Why international-small but not international-value? (My starting point is the TrevH 4-fund thread)...
by FlyingMoose
Sun Jul 28, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 19641

Re: Why Mr. Bogle prefers U.S stocks

I still want to be 50% international because 1. it makes me nervous to be too invested in one country, and 2. I live overseas. I (and probably others) just want some reassurance that it’s at least possible for non-US stocks to do better in the future. It’s likely the same reason the “stocks in freef...
by FlyingMoose
Sun Jul 28, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 19641

Re: Why Mr. Bogle prefers U.S stocks

lostdog wrote:
Sun Jul 28, 2019 9:04 pm
jibantik wrote:
Sun Jul 28, 2019 5:13 pm
Well at least at point one its clearly laid out that we are dealing with American exceptionalism bias.

Every few weeks these threads appear. Why?
Those of us who have been 50% international want some reassurance that we should stay-the-course.
by FlyingMoose
Sun Jul 28, 2019 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 18
Views: 7703

Re: Experian will not lift security freeze with PIN

I had the same problem with both experian and equifax last month. What’s the point of having a PIN if you can’t actually use it?
by FlyingMoose
Sun Jul 14, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]
Replies: 31
Views: 2917

Re: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]

There is a new incuse design for this year. This means that the images (the queen and the maple leaf) are recessed instead of sticking out, which will protect them better, and it looks really cool.

But the fine radial lines which are a security feature will still be easily damaged.
by FlyingMoose
Sat Jul 06, 2019 1:42 am
Forum: Personal Investments
Topic: 403b/Roth Total Bond placement
Replies: 9
Views: 613

Re: 403b/Roth Total Bond placement

NestEggLove wrote:
Tue Jul 02, 2019 10:30 pm
I have a 403B account with Vanguard, which is managed by Newport Group as well.
The charge, for me, is $5/month regardless of how many funds you have in the account.
I have also. They charge my employer the $5 per month. They only charge the participants If the employer opts not to pay it.
by FlyingMoose
Tue Jun 25, 2019 9:19 pm
Forum: Personal Investments
Topic: Are bonds part of US allocation? (living overseas)
Replies: 1
Views: 316

Are bonds part of US allocation? (living overseas)

I don't live in the US but all of my investments are in the US. I live in the Philippines and my expenses are in Philippine Pesos (PHP). My investment is currently 80% Total World and 20% Total Bond. I'm going to start moving more toward bond on a glide path as I get older. What I was thinking, thou...
by FlyingMoose
Sun Jun 23, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 119785

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

The description of the prime strategy is very vague. It says when the total of the stocks reaches 120% to sell 20%. Does this mean to sell the 20% that’s above 100%, or 20% of the total to bring it to 96%? I’ve seen both interpretations...
by FlyingMoose
Sat Jun 22, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Small Value vs Multifactor
Replies: 58
Views: 5337

Re: Small Value vs Multifactor

By the way, I’m specifically referring to the Vanguard Small Value fund and the Vanguard Multifactor fund...
by FlyingMoose
Sat Jun 22, 2019 1:56 am
Forum: Investing - Theory, News & General
Topic: Small Value vs Multifactor
Replies: 58
Views: 5337

Small Value vs Multifactor

If I want to tilt a bit for higher volatility and possibly higher returns, should I use the old-fashioned Small Value or the newfangled Multifactor?
by FlyingMoose
Tue Jun 18, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 4005

Re: Extend MacBook Battery Life by plugging in as much as possible?

The problem I ran into (with both an iPhone and a MacBook Pro) with leaving it plugged in is battery swelling. The phone actually split open from this, but luckily and Apple is going to replace it with a new phone of the same model for the price of a battery (since it’s a fire hazard). That kind of ...
by FlyingMoose
Tue Jun 11, 2019 1:14 am
Forum: Investing - Theory, News & General
Topic: Perpetual Withdrawal Rates for 18 Portfolios
Replies: 50
Views: 5791

Re: Perpetual Withdrawal Rates for 18 Portfolios

There are lots of posts about staying the course, but: I think there is a general assumption here that a portfolio that works well during accumulation will also work well during drawdown, merely by changing the stock/bond ratio. I think I've seen some recognition that this may not be true, specifica...
by FlyingMoose
Fri Apr 26, 2019 10:11 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17368

Re: Dump international?

So what was it about 2000-2009 that made International do better? It’s not like the US was doing poorly at that time...
by FlyingMoose
Tue Apr 09, 2019 4:12 pm
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 15215

Re: International under-performance

I am particularly worried the deficit is on track for 1.2 trillion dollars this year in an economic expansion. Where does the deficit go in the next recession (2-3 trillion not out of the question at all) along with lots of QE...and how will this affect the dollar? Likely not very well and could ha...
by FlyingMoose
Thu Jan 10, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

I think you can just use a 1099 filing service and not have to do anything on paper. I have sent out 1099 electronically the last few years using tax1099.com. I haven't filed any paper forms related to this. I just set it up to file on Monday, I hope it works. If it does, you've saved me lots of ha...
by FlyingMoose
Thu Jan 10, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

The 1096 form doesn't need to be signed by the tax payer. Just have your mother sign it and have her list the title as "Accountant" or something. https://www.irs.gov/pub/irs-pdf/f1096.pdf I can't find the instructions specifically for the 1096, only general information return instructions. They use...
by FlyingMoose
Thu Jan 10, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

RudyS wrote:
Thu Jan 10, 2019 2:47 pm
Can you make her an officer of the corporation/business?
This is definitely an option.
by FlyingMoose
Thu Jan 10, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

Do you have any friends traveling Phillipines <-> US in that time frame that can help you? No, I’ve tried to get my friends to come visit but they aren’t adventurous enough I guess. But this will come up every year so I’m trying to find a legal/technical solution like a POA. I just don’t know wheth...
by FlyingMoose
Thu Jan 10, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

With the deadline February 28th, I don't see why you would pay Fedex $150. I can see sending by mail/courier another way and pay much much less. For instance, your mom can send you the things to sign soon (electronically, you can print them out). Then you can mail the signed forms back to her and s...
by FlyingMoose
Thu Jan 10, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

Re: How to sign business tax form (1096) if out of the country?

From the internet: Regulations §1.6012-1(a)(5) permits you to rely on a POA as authorization to sign a return for another person only if that person is unable to sign due to disease or injury, continuous absence from the United States for at least 60 days prior to the due date for filing, or if spe...
by FlyingMoose
Thu Jan 10, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 619

How to sign business tax form (1096) if out of the country?

I have a small business and pay several 1099 contractors. I have to file them with the IRS plus a 1096 with totals and other information. It can only be filed on paper, on the original red copy provided by the IRS, with an officer's original signature. I e-file everything else but this one form is a...
by FlyingMoose
Tue Dec 04, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1350

Re: New TV and a black screen

You said you have another HDMI cable that came with the cable box... That seems like the easiest thing to try so I’d do that first.
by FlyingMoose
Sun Oct 28, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Can I Elect to Withhold Nothing From Paycheck?
Replies: 13
Views: 1951

Re: Can I Elect to Withhold Nothing From Paycheck?

HueyLD wrote:
Sun Oct 28, 2018 11:37 am
FlyingMoose wrote:
Sun Oct 28, 2018 11:35 am
How do you do this? The W-4 says you can only do it if you had no tax liability the previous year and expect none for the current year.
??
I was writing my reply when you posted... If the OP can’t answer yes to both questions, how can he stop withholding?
by FlyingMoose
Sun Oct 28, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I Elect to Withhold Nothing From Paycheck?
Replies: 13
Views: 1951

Re: Can I Elect to Withhold Nothing From Paycheck?

How do you do this? The W-4 says you can only do it if you had no tax liability the previous year and expect none for the current year.
by FlyingMoose
Fri Oct 26, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 10551

Re: Larry Swedroe: Why International Diversification Works

Of course it's hard to see! That's the entire point of diversification, right? Ideally yes, but some of what you're talking about already happened (tremendous rise of China and also large growth in India), and we haven't been able to benefit from that with diversification of stock indexing because ...
by FlyingMoose
Sun Oct 21, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1804

Re: No power in half the house

Did you talk to the electric company guy when he was there? He could have said whether the problem was on your end or his. Note to the poster above who mentioned 208V, that would be across phases on a 3-phase system which is unlikely in a regular house. A house will have single phase in 2 wires that...
by FlyingMoose
Thu Oct 11, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2885

Re: What would you do with some bulk silver?

I have heard that APMEX will give a quote on the phone, but then when they receive the metal will call you with some excuse about how it’s damaged and they can’t give you as much, and you can either pay for postage to get it back or take the reduced amount. Even the slightly reduced rate will still ...
by FlyingMoose
Tue Oct 02, 2018 4:41 am
Forum: Investing - Theory, News & General
Topic: Why TIPS only for unexpected inflation?
Replies: 27
Views: 2815

Re: Why tips only for unexpected inflation?

Is the inflation protection any different between the shorter- and longer-term bond funds? Or is the only difference related to interest rates?
by FlyingMoose
Mon Oct 01, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: Why TIPS only for unexpected inflation?
Replies: 27
Views: 2815

Re: Why tips only for unexpected inflation?

So does this mean that if inflation unexpectedly drops, the NAV of tips will go down? Kind of the opposite of nominal bonds, where the NAV will go up if interest rates go down? Or will the NAV go up if inflation drops? During the 2008 recession, when inflation dropped, the NAV of TIPS went down a lo...
by FlyingMoose
Mon Oct 01, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Why TIPS only for unexpected inflation?
Replies: 27
Views: 2815

Re: Why tips only for unexpected inflation?

So does this mean that if you have TIPS and inflation unexpectedly goes down, you'll lose money (in real terms)? This is something I haven't really seen talked about.
by FlyingMoose
Mon Oct 01, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Why TIPS only for unexpected inflation?
Replies: 27
Views: 2815

Why TIPS only for unexpected inflation?

I've seen it mentioned several times that TIPS only help with unexpected inflation, but I haven't seen any explanation for how or why this occurs. If inflation were to jump to 20% next year, that would be unexpected. But after that, when it's more expected, it's not like they stop adjusting. Does th...
by FlyingMoose
Wed Sep 26, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7965

Re: cleaning lady stealing

A first world problem. I disagree. I live in what would be considered a developing country, and having live-in help to cook/clean/do laundry/nanny is very common even among the lower classes because labor is so cheap. In first-world countries it's much less common because only the rich can afford t...
by FlyingMoose
Mon Sep 10, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Smart plug to reboot router?
Replies: 14
Views: 3218

Re: Smart plug to reboot router?

Maybe you could use a digital timer to turn it off for one minute at 3:00 AM every day, to keep it from getting into that state.
by FlyingMoose
Sat Sep 08, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117795

Re: Is international investing necessary at all?

Carlos Danger wrote:
Sat Sep 08, 2018 8:49 am
What if the U.S. experiences some "lost decades" during your prime investing/saving years?
So far, International has experienced a “lost decade” during my prime saving/investing years. I would have a lot more money now without it.
by FlyingMoose
Wed Sep 05, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117795

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

It always made me nervous to have all my money in the US markets, especially during times of high inflation, falling dollar, and general worry about an overheating economy. I think people forget what it was like in the early 00’s when we had those conditions. But now international is so far behind, ...
by FlyingMoose
Wed Aug 29, 2018 7:43 pm
Forum: Personal Investments
Topic: 1998 Roth four-year conversion spread; Taxes paid only first year. How to fix this?
Replies: 6
Views: 623

Re: 1998 Roth four-year conversion spread; Taxes paid only first year. How to fix this?

That said, in certain unique and flagrant situations, the IRS has been able to apply the lack of ANY SOL for excess IRA contributions as a work around to an expired SOL. Therefore, you do have a legal exposure IF your modified AGI for 1998 exceeded 100k not counting the conversion because in that s...
by FlyingMoose
Mon Aug 13, 2018 10:03 pm
Forum: Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 9443

Re: Asked my advisor about fees and here's their reply

They discuss the .35 expense ratio and trade price at length but never even mention why the AUM fee is so high.
by FlyingMoose
Wed Aug 08, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 341
Views: 37679

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Do you get the same amount of interest/dividends you’d get from owning 60% bonds? What are the leveraged bonds for? To amplify anti-correlation to the stock market? I don’t understand what they do...
by FlyingMoose
Wed Jul 25, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Yubikey for Dummies
Replies: 21
Views: 3320

Re: Yubikey for Dummies

Vanguard now gives the choice of SMS or a voice call, so you can use any cell phone or land line that can receive a call and let you dial a number (it asks “press 1 to hear the code” but it’s sometimes a different number)...
by FlyingMoose
Sun Jul 01, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2464

Re: How does this ebay scam work?

There was an invoice that showed the correct item.
by FlyingMoose
Sun Jul 01, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2464

Re: How does this ebay scam work?

I think if it was a scam it might involve the seller's account being hacked. So not the same person as the seller who built up a reputation.
by FlyingMoose
Sun Jul 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2464

How does this ebay scam work?

So I ordered a Macbook Pro on ebay. What I received was a bag of parts for a different computer. I'm protected by eBay's 30-day return policy, so I requested a return. Of course the seller says it's all a big mistake and I can return the bag of parts (which he wants a picture of) for a refund. Assum...
by FlyingMoose
Sun Jun 24, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: S&P P/E Ratio
Replies: 50
Views: 3976

Re: S&P P/E Ratio

What about international, that everyone keeps saying is so much cheaper?
by FlyingMoose
Wed Jun 20, 2018 3:43 am
Forum: Investing - Theory, News & General
Topic: Debt Song Not a Pretty Tune
Replies: 5
Views: 1771

Re: Debt Song Not a Pretty Tune

I wonder if this is a good justification for an international allocation...
by FlyingMoose
Tue Jun 19, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 287322

Re: Best watch for around $5,000?

A Honda Civic gets you from A to B just as well as a Ferrari. A Motel 6 room looks the same as a presidential suite when you are sleeping. A woman’s diamond ring provides no utility at all and just gets in the way and scratches things. I’d say that a $5000 watch provides more utility than a $5000 di...
by FlyingMoose
Mon Jun 18, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 287322

Re: Best watch for around $5,000?

I have a Rolex submariner that I bought when they could be had for about $5000. I discovered 2 things about myself: I can’t stand not having the day of the week, and the thing I like most is that it’s mechanical. With these two things in mind, I bought several other watches; the ones I end up wearin...
by FlyingMoose
Mon Jun 18, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 6653

Re: "distilled" water for wife's CPAP machine

Mold, bacteria, and Legionnaire's disease grow in damp places--Legionnaire's specifically in water condensed in air-conditioning system. I would not think of taking the risk of putting water into a system I was going to be breathing out of if I thought there was any possibility of contamination. Mi...
by FlyingMoose
Mon Jun 18, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 6653

Re: "distilled" water for wife's CPAP machine

Oh I read it as condensed from a humidifier, oops. I wouldn’t use water from a dehumidifier, it’s nasty, all kinds of dirt and bacteria from the air.