Search found 1372 matches

by international001
Mon May 25, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 125
Views: 27144

Re: good cash reward credit card

May be worth a look... https://slickdeals.net/f/13004074-bank-of-america-cash-rewards-credit-card-200-bonus-offer-w-1k-in-eligible-purchases?prop=prd-29602%7Cts-40045%7Cprt-1&src=featured-29602-40045 I think the US Bank Cash+ might be a better option. Wider bonus category choices and you get to pic...
by international001
Mon May 25, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 125
Views: 27144

Re: Best cash-back credit card right now?

It's good to know and test. Unfortunately, I don't usually buy at Costco and Walmart. I get 2.75% on groceries using AAA visa signature with BoA. The extra 0.75% is not worth the fee for me. Can you do better without this 'arbitrage'? Bump. Something amazing happened It used to be that the +0.75% o...
by international001
Mon May 25, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 145
Views: 8760

Re: S&P500 vs World Performance

I remember when I needed a camshaft after a catastrophic failure :dollar in my Rossa Corsa Italian sports car, the dealer said he couldn't get one because Italy shuts down for basically one month in the summer and nothing gets done. That doesn't sound like a strategy that competes well against more...
by international001
Sun May 24, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 125
Views: 27144

Re: Best cash-back credit card right now?

It's good to know and test. Unfortunately, I don't usually buy at Costco and Walmart. I get 2.75% on groceries using AAA visa signature with BoA. The extra 0.75% is not worth the fee for me. Can you do better without this 'arbitrage'? Bump. Something amazing happened It used to be that the +0.75% o...
by international001
Fri May 22, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?
Replies: 25
Views: 1266

Re: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?

HDEF - 20% (Large Value) This one doesn't seem to follow a market cap model. Many regions/sectors tilts HDEF screens out lower yielding and lower "quality" company (based on things like ROE, debt/equity ratio, earnings variability, etc.) and weights the remaining stocks by market-cap. The result is...
by international001
Fri May 22, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?
Replies: 25
Views: 1266

Re: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?

Except you can not rely on morningstar to correctly chart ETFs. I added the mutual fund version of VSS, and according to the resulting M* chart, $10,000 in VSS would have grown to $16,268, while $10,000 in VFSVX would be $18,760. (also if you try to use the ticker for the admiral shares, VFSAX it w...
by international001
Wed May 20, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4581

Re: How did you determine your target savings rate?

I have a friend who determines whether or not to hire someone to do something for him based on whether he has to pay them more than he earns in the same time. In reality, he earns enough that he could probably pay someone to do anything for him by this calculation, but this is how he justifies payi...
by international001
Wed May 20, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?
Replies: 25
Views: 1266

Re: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?

vineviz wrote:
Wed May 20, 2020 10:59 am

HDEF - 20% (Large Value)
This one doesn't seem to follow a market cap model. Many regions/sectors tilts
Too bad VTRIX has such a high ER
by international001
Wed May 20, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 145
Views: 8760

Re: S&P500 vs World Performance

It's actually usually the opposite. The U.S. has outperformed for the last decade and I see a ton of "How's that working out for you?" type posts to the pro-international people. They typically cite past performance. Many have changed their course recently. Using past performance to make investment...
by international001
Wed May 20, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 145
Views: 8760

Re: S&P500 vs World Performance

Check out this data points: https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths "Historically, developed market international and US stock performance is cyclical" "the absolute return of the globally balanced portfolio is almost level with that of the all-US portfolio"
by international001
Tue May 19, 2020 6:25 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 807
Views: 51588

Re: First 20% of bonds in long-term Treasuries

Should non-Americans have the bulk of their bonds in LT treasuries? You should IMO, at least that 20% Currency risk is small, sine LTT have high volatility and when in conjunction with stocks, volatility still gets higher In my mind, exchange beteween major currencies like EUR/DOLLAR is about 8%, s...
by international001
Fri May 15, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 292
Views: 22358

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

I found this interesting: http://ddnum.com/articles/leveragedETFs.php Shows that optimal is different in variours markets. For nasdaq it has been 2. For S&P since its less volatile 3 has worked. But there is no guarantee moving forward as you point out. The most surprising was that using the averag...
by international001
Fri May 15, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12030

Re: Selling home - low ball negotiation

Is this spread similar to other assets, a sign of iliquidity?
i.e. if you see houses take longer to sell (1 year vs 1 month, for instace), means that you can offer a lower price (-10% vs -1%)

Anybody has studied the relationship? It may save some guessing
by international001
Fri May 15, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2637

Re: "Expected Return" ?

A casino offers you an investment plan. It works like this: Every year, on Jan 1, there is a 90% chance they will double whatever you have invested in the plan, and a 10% chance that they will take all of it, leaving you nothing. Is this a good investment? Well, the expected value of this plan afte...
by international001
Fri May 15, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2637

Re: "Expected Return" ?

A casino offers you an investment plan. It works like this: Every year, on Jan 1, there is a 90% chance they will double whatever you have invested in the plan, and a 10% chance that they will take all of it, leaving you nothing. Is this a good investment? Well, the expected value of this plan afte...
by international001
Fri May 15, 2020 6:48 am
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2637

Re: "Expected Return" ?

" Expected return " sounds like the easiest and best way to invest successfully: Do you agree? If not, why not" Best wishes Taylor Taylor, if it was not coming from you it would seem a stupid question. I guess it has a trick. My 2 answers - Expected return is better for enough years (N), because st...
by international001
Fri May 15, 2020 6:41 am
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2637

Re: "Expected Return" ?

" Expected return " sounds like the easiest and best way to invest successfully: Do you agree? If not, why not" Best wishes Taylor Taylor, if it was not coming from you it would seem a stupid question. I guess it has a trick. My 2 answers - Expected return is better for enough years (N), because st...
by international001
Thu May 14, 2020 6:57 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 292
Views: 22358

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

STill better if you are able to get your own leverage (CASHX) https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted...
by international001
Thu May 14, 2020 6:24 am
Forum: Personal Investments
Topic: Selling rental property - Has any used an iBuyer or Virtual Agent?
Replies: 24
Views: 1181

Re: Selling rental property - Has any used a Virtual Agent?

Don't you pay a fixed percentage for managing your portfolio? Why houses should be different? ;-) And more perversely (read Freakonomics) is that the system doesn't incentive real state agent to work better. He is not going to fight for an extra 10% of the price sale. He can have just 10% less witho...
by international001
Fri May 08, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 807
Views: 51588

Re: First 20% of bonds in long-term Treasuries

As another one attempting to optimize bond allocations in our portfolio based on our circumstances that take into account the technical discussions here, it seems that there are several interactions occurring. One is technical analysis that still comes up with typical conclusions that when it is al...
by international001
Fri May 08, 2020 10:40 am
Forum: Personal Investments
Topic: How not to stretch yourself too thin on home purchase?
Replies: 34
Views: 3312

Re: How not to stretch yourself too thin on home purchase?

carmonkie wrote:
Fri May 08, 2020 10:35 am
international001 wrote:
Thu May 07, 2020 12:18 pm

Does your buddy live in Europe?
nope. Here in the ol' USA...
I guess the irony was not catched ;-)
I'm just saying is the normal thing in Europe. One A/C unit per room. Higher electricity costs, brick house sw/o need of a central A/C system
So there is no stigma on closing doors behind you
by international001
Thu May 07, 2020 12:18 pm
Forum: Personal Investments
Topic: How not to stretch yourself too thin on home purchase?
Replies: 34
Views: 3312

Re: How not to stretch yourself too thin on home purchase?

A while back a buddy of mine invited me to see his new house. I went upstairs to check the place and noticed all the upstairs doors and vents were closed and I asked him what is up with that? He kept all the upstairs doors and vents closed because he did not want to cool off empty rooms... Don't be...
by international001
Thu May 07, 2020 10:51 am
Forum: Non-US Investing
Topic: Do the bogleheads think this 22 year old belgian is smart or naïve?
Replies: 24
Views: 3585

Re: Do the bogleheads think this 22 year old belgian is smart or naïve?

You mean so you don't have to buy a separate fund for emergents?

Fair enough, but IWDA is bigger and has a lower fee. For me, it would be a decission on how difficult is doing rebalancing w/o being taxed
by international001
Thu May 07, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6252

Re: Best BBQ for the money?

A Weber direction suggests that all the burners should be ON all the time for a direct cooking. If the amount of food is small enough for a single burner, it looks like I still have to turn all three or four burners on. https://consumer-care.weber.com/hc/en-us/articles/360023844151-Direct-Indirect-...
by international001
Thu May 07, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 807
Views: 51588

Re: muffin

hi that's not the point of the post the post shows there is basically no change in risk over time for the 2 bond funds iow, the claims on this thread and another about duration-matching with bond FUNDS are misleading The Sharpe ratio is not an appropriate way to gauge any of the risks associated wi...
by international001
Thu May 07, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 807
Views: 51588

Re: First 20% of bonds in long-term Treasuries

The first 20% of a portfolio allocated to bonds should be allocated to long-term US Treasury bonds. You can buy models more sofisticated. With a low percentage of stocks for instance, 20% is too much I'm going to go out on a limb and say that people with less than 30% in equities aren't likely to c...
by international001
Wed May 06, 2020 11:20 am
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2153

Re: Keeping Vanguard account as Non resident Alien

Finally, an update on this, mentioned in a previous posting. Vanguard have now added the ability to use non-US phone numbers for SMS authentication, prior to making this a requirement for accessing the account (on or around mid-June 2020, if I recall correctly). I have tested it, and it works for U...
by international001
Wed May 06, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: sending a fax to IRS (w/o a fax machine!)
Replies: 10
Views: 807

Re: sending a fax to IRS (w/o a fax machine!)

Hi, I'd prefer something that works over a Windows machine, but I'll consider an android app Anything you recommend? I'm concerned about privacy issues and giving my SSN to 3rd party ps. Anybody still uses fax besides government ? Highly recommend Faxzero for this: https://faxzero.com/ I believe yo...
by international001
Wed May 06, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6252

Re: Best BBQ for the money?

I think it depends on how you cook. I have a Weber Q that I use for camping, it is great, but I do not think I could cook a charred steak with it. It simply does not get hot enough. I also had another Weber grill that also did not get hot enough for me. What temperature do you get with it? I can ge...
by international001
Wed May 06, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 807
Views: 51588

Re: First 20% of bonds in long-term Treasuries

The first 20% of a portfolio allocated to bonds should be allocated to long-term US Treasury bonds. You can buy models more sofisticated. With a low percentage of stocks for instance, 20% is too much In terms of EF, you can see that: https://www.portfoliovisualizer.com/efficient-frontier?s=y&type=2...
by international001
Tue May 05, 2020 5:49 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2153

Re: Keeping Vanguard account as Non resident Alien

Finally, an update on this, mentioned in a previous posting. Vanguard have now added the ability to use non-US phone numbers for SMS authentication, prior to making this a requirement for accessing the account (on or around mid-June 2020, if I recall correctly). I have tested it, and it works for U...
by international001
Tue May 05, 2020 5:41 pm
Forum: Non-US Investing
Topic: Keeping Vanguard account as Non resident Alien
Replies: 28
Views: 2153

Re: Keeping Vanguard account as Non resident Alien

Withholding >>> Typically, a foreign person with U.S. income is subject to U.S. taxes on the U.S. generated income. The default nonresident alien withholding rate is 30%; however, some foreign persons are eligible for a reduced tax rate. For nonretirement accounts, this applies to dividends and cap...
by international001
Tue May 05, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: How to fill 8802 for certification of US Tax residence (IRS shut during covid)
Replies: 0
Views: 98

How to fill 8802 for certification of US Tax residence (IRS shut during covid)

Hi, I want to ask a 6166 for 2020 and one for 2019. I read in the instructions: Line 8. Tax Period(s) If you are requesting certification for a tax period for which a tax return is not yet due, enter the four-digit year and two-digit month (YYYYMM) that correspond to the latest return required to ha...
by international001
Tue May 05, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: Last drawdown info in PV Portfolio Visualizer
Replies: 22
Views: 1057

Re: Last drawdown info in PV Portfolio Visualizer

With last month data, LT treasuries still look good as a diversifier. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAd...
by international001
Tue May 05, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: sending a fax to IRS (w/o a fax machine!)
Replies: 10
Views: 807

sending a fax to IRS (w/o a fax machine!)

Hi,

I'd prefer something that works over a Windows machine, but I'll consider an android app

Anything you recommend? I'm concerned about privacy issues and giving my SSN to 3rd party

ps. Anybody still uses fax besides government ?
by international001
Tue May 05, 2020 7:48 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: Why value is dead
Replies: 96
Views: 8988

Re: Bet on Value or Growth?

I hear that there is no value premium in this times of low inflation. Is there any value punishment? Or am I equally fine betting on value than on growth (just with some less diversification)? international001: I suggest that you stop "betting" your future on which stock category is going to outper...
by international001
Sun May 03, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6252

Re: Best BBQ for the money?

I think it depends on how you cook. I have a Weber Q that I use for camping, it is great, but I do not think I could cook a charred steak with it. It simply does not get hot enough. I also had another Weber grill that also did not get hot enough for me. What temperature do you get with it? I can ge...
by international001
Sun May 03, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: Why value is dead
Replies: 96
Views: 8988

Re: Bill Bernstein: Why value is dead

I hear that there is no value premium in this times of low inflation

Is there any value punishment?
Or am I equally fine betting on value than on growth (just with some less diversification)?
by international001
Sun May 03, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: Why value is dead
Replies: 96
Views: 8988

Re: Bill Bernstein: Why value is dead

Taylor Larimore wrote:
Fri May 01, 2020 1:53 pm

Read the very wise words of Lord Keynes: "When the facts change, I change my mind. What do you do, sir?"
I change my quotes

https://quoteinvestigator.com/2011/07/2 ... ange-mind/
by international001
Sun May 03, 2020 6:39 pm
Forum: Personal Investments
Topic: Want all stock, no bonds...how to?
Replies: 15
Views: 1519

Re: Want all stock, no bonds...how to?

the drop was only -20% Was -35% top to bottom. It felt draining at times. @OP Go to your 401k investments section online, move from bond to US and/or International. One thing I dont get is why you place international in pretax and US in taxable. You get foreign taxes paid back via the foreign tax c...
by international001
Sun May 03, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6252

Re: Best BBQ for the money?

Hello all ! So I tried to fire up old reliable today and it melted the knob and the first burner would not fire so I'm thinking it's time for a new outdoor BBQ grill. Wondering what everyone's thoughts are on best grills for the money? Generally we have always bought the cheapest big box store gril...
by international001
Sun May 03, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7338

Re: Mesh Wifi

Any Asus router with AImesh. Great security updates Third party firmware. Not locked into a specialized device Easy to expand or replace as needed No google spying Tx.. I see they sell them on packs of two. I guess you can add more. Do you know if you can use Aimesh bridging from another router?
by international001
Wed Apr 29, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7338

Re: Mesh Wifi

Sorry.. what do you mean by IT? Forget about VPN, I want my normal router to be my IP gateway My-computer ---- Google-Mesh-AP ------ My-Router ---- Internet Same IP subnet between My-Computer and My-Router I meant if your current router supports bridge mode. As I said in my previous post, you canno...
by international001
Wed Apr 29, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7338

Re: Mesh Wifi

At least on Google/Nest WiFi, bridge mode and mesh are mutually exclusive. You can put the AP into bridge mode, but then you can only have one: https://support.google.com/wifi/answer/6240987?hl=en One option if your current router supports it would be to put IT into bridge mode, and then port forwa...
by international001
Wed Apr 29, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7338

Re: Mesh Wifi

How well do they work when you do handover? i.e. move from one area of the house to another while keeping same SSID? In my experience, it's completely seamless. The only way I can tell when handover occurs is to watch a specific device in the management app and see the "connected to" field change. ...
by international001
Mon Apr 27, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting flowchart
Replies: 62
Views: 3326

Re: Tax Loss Harvesting flowchart

I think your third box on the left is attempting to avoid turning qualified dividends into non-qualified dividends I may have some old stocks I buy stock on 1/1 It gives me dividends on 1/10 I sell on 1/20 all the stocks I bought on 1/1 I understand the dividends will not be qualified. But I sell t...
by international001
Mon Apr 27, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7338

Re: Mesh Wifi

How well do they work when you do handover? i.e. move from one area of the house to another while keeping same SSID?

I'm using a simple extender (Netgear EX6150) but I have to create another network (different SSID)
by international001
Sun Apr 26, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35581

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

This discussion is boring. Doesn't anybody have some graph to proof how accurate their points are? If dividends were more or less constant in absolute (after inflation) terms, then yields would go up on a crisis, and you should be able to know from the yields when the crisis happened. Do you see it ...
by international001
Wed Apr 22, 2020 7:44 am
Forum: Investing - Theory, News & General
Topic: Which % to be held in bonds, if Not age?
Replies: 70
Views: 4307

Re: Which % to be held in bonds, if Not age?

However, various Monte Carlo simulations leave it really ambiguous and uncertain whether the outcomes from a declining stock glide slope are better than those from a constant allocation, and, if so, precisely how. In 2013, researcher Michael Kitces posted Should Equity Exposure Decrease In Retireme...
by international001
Tue Apr 21, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6080

Re: How to negotiate severance if laid off?

Why would an employer pay that? I certainly wouldn't. Why would you want 1/3 of your pay at the end of your stint with the company anyway? As near as I can tell, most of a severance is just an employer that feels badly about having to let you go. Then there is a small part for business purposes--mi...