Search found 855 matches

by international001
Wed Jun 26, 2019 6:36 am
Forum: Non-US Investing
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 158
Views: 30018

Re: Study: The Rate of Return on Everything, 1870-2015

Thanks for the links. I just want to make sure I understand the study and we measure apples to apples. Reading through it seems taxes are not accounted for. This would mean housing has a better return when you live in your house (rental imputed income is not usually taxes; in most cases, I believe i...
by international001
Wed Jun 26, 2019 5:29 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

SUre... paying it as a lump sum at the beginning may have some benefits, specially if you are in a market high But you just need to compare results in FIRECALC. There is always a break even rate that may make things go towards one side or the other I have done so. If what you're saying is accurate,...
by international001
Wed Jun 26, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 530
Views: 43987

Re: Why are you NOT buying rental properties?

Real estate laws vary greatly depending on state, county, etc. There are some areas where a lender has recourse to the borrower's other assets in case of a mortgage default, and there are some where they do not. I guess I was not clear.. I was talking about hypothetical legislation/financial produc...
by international001
Tue Jun 25, 2019 9:30 am
Forum: Personal Investments
Topic: Roth IRA all the way?
Replies: 26
Views: 2566

Re: Roth IRA all the way?

My bet is that my marginal tax bracket will be at 24% or higher at retirement. I suspect taxes will have to increase sooner of later, and even if they stay as they are, this is according with my projections of my savings I think there is a low chance that taxes will go down even further. If that's t...
by international001
Tue Jun 25, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

SUre... paying it as a lump sum at the beginning may have some benefits, specially if you are in a market high

But you just need to compare results in FIRECALC. There is always a break even rate that may make things go towards one side or the other
by international001
Mon Jun 24, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

If you mean that using a mortgage a leverage increases your upside potential, that was irrelevant to the analysis I was doing, which pertained to safe withdrawal rates. SWRs are historically constrained by the worst historical instances. Basically, leverage increases both the upside and downside ta...
by international001
Mon Jun 24, 2019 9:47 am
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2113

Re: I am rejecting from reading a post

Thanks,

Some other times I just see a last post saying 'The thread has been closed'

It's frustrating having read the thread and not being able to re-read part of it.
Don't even know why the thread was removed. Not much different than many others.
by international001
Mon Jun 24, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

I too believe that high equity allocations are generally preferable, but remember that a mortgage is a negative bond and leverages up your portfolio. For instance, someone with $100k in stocks and a $50k mortgage has an effective AA of 150/0. Sorry - I meant to be saying a house without a mortgage....
by international001
Mon Jun 24, 2019 6:15 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

I do.. 10% extra stocks increases return about linearly in comparison to risk. So no reason to hold bonds when your horizon is long enough... https://www.portfoliovisualizer.com/efficient-frontier?s=y&type=1&mode=1&startYear=1978&endYear=2019&groupConstraints=false&geometric=false&fromOrigin=false&a...
by international001
Mon Jun 24, 2019 6:09 am
Forum: Personal Investments
Topic: Roth IRA all the way?
Replies: 26
Views: 2566

Re: Roth IRA all the way?

As with most questions on finances, the answer is: "it depends". Mostly on tax rates now-- which you know. And tax rates in the future, which you don't know. I am very close to retirement, and the overwhelming majority of my savings are in tIRA that was rolled over from previous employer's 401K. Ba...
by international001
Mon Jun 24, 2019 6:01 am
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2113

I am rejecting from reading a post

I was reading 'Contrarian Career Advice: Follow the $$$, Forget Passion'

Now it tells me 'You are not authorized to read this forum'

Why?
by international001
Fri Jun 21, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

Indeed. And the returns that KlangFool cites are nominal. If you pull out approximately 3% inflation over that period, you see that the difference between 5.8% real returns and 7.3% real returns, 26% higher in the latter case, can indeed by very significant. Many here would go to far lengths in ord...
by international001
Fri Jun 21, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 530
Views: 43987

Re: Why are you NOT buying rental properties?

I don't understand why margin calls are different than a home loan, but I never tried to buy stocks on margin. For a mortgage all you have to do is make your monthly payment. If the value of your home drops 50% nothing changes about your mortgage as long as you keep paying it. You don’t need to put...
by international001
Thu Jun 20, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8597

Re: Does money/lack of money preoccupy you?

What good is the average amount you have in retirement account if you don't control for age? Or for your annual income?
I'd like to see such statistics. You usually see the 'you should have saved X of your salary by age Y' kind of advice, but it's never based on reality.
by international001
Thu Jun 20, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 530
Views: 43987

Re: Why are you NOT buying rental properties?

Sorry.. I posted the links incorrectly: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=06%2F19%2F2019&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPerc...
by international001
Thu Jun 20, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge and Preferred Rewards
Replies: 43
Views: 4388

Re: Merrill Edge and Preferred Rewards

I found the whole process confusing. Merrill Edge and Bank of America gave me contradictory messages HEre are my experiences: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=276374 I understood PR was a BofA thing. 2 weeks after my transfer, I got an option on the BofA and had to register there...
by international001
Thu Jun 20, 2019 10:43 am
Forum: Personal Investments
Topic: Roth IRA all the way?
Replies: 26
Views: 2566

Re: Roth IRA all the way?

I wished I had started investing on Roth on my earlier years.
Estimate your tax brackets now at are retirement
If today are low, it probably makes sense.
by international001
Thu Jun 20, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 530
Views: 43987

Re: Why are you NOT buying rental properties?

(2) Put $80 k (20% down payment) on $400 k house. Lets assume a modest 4% appreciation per year and your tenants pay for all expenses (mortgage, property tax, fixes, property manager, etc). After 18 years, the house would double to $800 k. I'd like to understand how you can find a house that will u...
by international001
Wed Jun 19, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 94
Views: 13928

Re: Moving to North Carolina from NYC

I grew up in Durham and live in Charlotte. Durham isn't for everyone haha. It takes a special sort of person to want to live in Durham. But I digress. There are lots of migrants from the north in the big cities but keep in mind these are self-isolated areas. Once you get outside of these portions o...
by international001
Wed Jun 19, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 94
Views: 13928

Re: Moving to North Carolina from NYC

This misstatement is one of the few drawbacks of being a Boglehead poster who is a London-based former Canadian. :) There is no substantial military presence or "Army town" in the Raleigh-Durham-Chapel Hill area. Your mention of Fort Bragg indicates that you must be thinking of Fayetteville, which ...
by international001
Wed Jun 19, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 94
Views: 13928

Re: Moving to North Carolina from NYC

Green Hope is one of the top high schools in the area. Some parents try to send their kids to Enloe (magnet school east of Raleigh downtown), but that's quite a commute for the high school student. Enloe does bring about much more course selection than other Wake County high schools, but the curric...
by international001
Wed Jun 19, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3314

Re: Best way to teach my 4 year old to be fluent in Spanish?

Sorry to disappoint you all. Kids will pick what kids will pick In a bilingual european region, my son started speaking one of the languages because it was the one of the mother. Then, the other language once he started going to school. I have spoken to him in English since day 1. He watches lots of...
by international001
Wed Jun 19, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 12820

Re: Why do large personal portfolios include bonds?

OP, A) Why bother? 1) They have the ability to take more risk. 2) They have no need to take more risk. 3) So, why should they take more risk? Money is just a tool to live your life. It is not the goal by itself. B) Asymmetrical impact. Another important point is 100/0 versus 60/40 are insignificant...
by international001
Tue Jun 18, 2019 3:36 pm
Forum: Personal Investments
Topic: What do you think about Vanguard Growth Index Fund for a 22-year-old?
Replies: 36
Views: 3178

Re: What do you think about Vanguard Growth Index Fund for a 22-year-old?

A 100% stocks portfolio can support a 5% withdrawal rate forever Source? Rule of thumb is just 4% and just for retirement (!) I would go with 3% if you really want a permanent withdrawal rate. Also, it may be smart to try to get into a job where (whatever the pay) offers a 401k that can be used to ...
by international001
Tue Jun 18, 2019 3:33 pm
Forum: Personal Investments
Topic: What do you think about Vanguard Growth Index Fund for a 22-year-old?
Replies: 36
Views: 3178

Re: What do you think about Vanguard Growth Index Fund for a 22-year-old?

No, I would not put $1.9M for a 22 year old solely into Total Stock Market and Vanguard Index 500. I would put at least $200-400K into a national muni bond fund (state specific if he's in CA or NY). Also I'd have another $400K in a Total International. IF he's not working now, I would doubt his tax...
by international001
Mon Jun 17, 2019 5:08 am
Forum: Personal Investments
Topic: What do you think about Vanguard Growth Index Fund for a 22-year-old?
Replies: 36
Views: 3178

Re: What do you think about Vanguard Growth Index Fund for a 22-year-old?

A 100% stocks portfolio can support a 5% withdrawal rate forever Source? Rule of thumb is just 4% and just for retirement (!) I would go with 3% if you really want a permanent withdrawal rate. Also, it may be smart to try to get into a job where (whatever the pay) offers a 401k that can be used to ...
by international001
Mon Jun 17, 2019 5:05 am
Forum: Personal Investments
Topic: What do you think about Vanguard Growth Index Fund for a 22-year-old?
Replies: 36
Views: 3178

Re: What do you think about Vanguard Growth Index Fund for a 22-year-old?

No, I would not put $1.9M for a 22 year old solely into Total Stock Market and Vanguard Index 500. I would put at least $200-400K into a national muni bond fund (state specific if he's in CA or NY). Also I'd have another $400K in a Total International. IF he's not working now, I would doubt his tax...
by international001
Mon Jun 17, 2019 2:36 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7294

Re: Rethinking Individual Stocks

Can you develop this? If I have : A: 200 shares at $30 with cost basis $20 B: 100 shares at $30 with cost basis $10 Why is beneficial selling A instead of B? I think the correct comparison is selling 100 shares of A vs. 100 shares of B. You get one half of the capital gains for the same total proce...
by international001
Sun Jun 16, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: When to sell and buy funds or stocks
Replies: 9
Views: 1578

Re: When to sell and buy funds or stocks

This is something that I never saw discussed Let's say you have security X that you wan to sell to buy security Y at time T. Ideally, you should have bought Y in the first place, but let's assume you regretted about it for whatever reason. For simplicity, let's assume both of them are equivalent in...
by international001
Sun Jun 16, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 3778

Re: US Citizen Retiring in Ireland

If they are domiciled in that EU country (however "domicile" happens to be defined), then presumably yes. I was thinking more about domiciled in US, hold by US broker That is probably Regulation S . For a long time now, EU based mutual funds have included a restriction on purchase by 'US persons'. ...
by international001
Fri Jun 14, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3447

Re: Do you repair your own appliances?

"Do you really think it's worth at any rate? Particularly, with high income BHs, and considering that when you get to fix something it's often a new thing, so you have to invest time on the learning curve." I dunno that I'm high income, but even independent of that, let's consider a couple of examp...
by international001
Fri Jun 14, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 3778

Re: US Citizen Retiring in Ireland

It does, but it is elderly and for non-US citizens it's actually a poor one, since it appears not to protect US assets above a stingy $60k. This is not a problem for US citizens, though; on the US side they still get the full $11mm or whatever. What happens if they are US citizens and they leave it...
by international001
Fri Jun 14, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: When to sell and buy funds or stocks
Replies: 9
Views: 1578

Re: When to sell and buy funds or stocks

Suppose that your stock gained 6% annually. The 20-year-old lot, now worth $10000, has a basis of $3118. The 15-year-old lot, also worth $10000, has a basis of $4173. On your current sale, you have a capital gain of $5827 if you sell the newer lot, and $6882 if you sell the older lot. Then, when yo...
by international001
Thu Jun 13, 2019 4:17 pm
Forum: Spain
Topic: Advice about retirement in the EU [Spain ex-pat, US resident]
Replies: 5
Views: 1543

Re: Advice about retirement in the EU [Spain ex-pat, US resident]

I was wondering if you could share your experience
by international001
Thu Jun 13, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 3778

Re: US Citizen Retiring in Ireland

magicrat wrote:
Wed Jun 12, 2019 2:58 pm

https://www.prplawllc.com/services
It seems aimed to help people who move into US. Would they advice anybody moving out of US to any EU country?
Do you know what kind of $$ they charge for their services?
by international001
Thu Jun 13, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 3778

Re: US Citizen Retiring in Ireland

Valuethinker wrote:
Thu Jun 13, 2019 10:22 am

Just from an investing point of view US tax rules (PFIC) mean you are best advised to continue investing via the mechanism of US domiciled funds.

Non US domiciled funds are a tax nightmare for an American citizen, as I understand it.
I thought it was not allowed anways, by FATCA
by international001
Thu Jun 13, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3447

Re: Do you repair your own appliances?

In all seriousness, as with DIY house projects and car repairs, 'it depends'. I'm not going to spend too many man-hours on a $99 microwave, but sometimes you can save quite a bit. In particular, replacing a $29 part in the washer/furnace/whatever can save a bundle over calling a repairman who has t...
by international001
Thu Jun 13, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3447

Re: Do you repair your own appliances?

If you fix it yourself, do you have to report it on taxes as an imputed income?
by international001
Thu Jun 13, 2019 5:29 am
Forum: Investing - Theory, News & General
Topic: When to sell and buy funds or stocks
Replies: 9
Views: 1578

Re: When to sell and buy funds or stocks

In many cases it's not a realistic option, but there can be exceptions where it would be handy to take this into consideration What about if you have the 1999 lots and 2004 lots, and whatever you buy, and you plan to sell the replacement the same year? Given enough time, selling the 2004 lot should ...
by international001
Wed Jun 12, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18781

Re: Paying for rent is throwing away money...myth?

I see lots of people talking about the personal lifestyle and market driven forces But nobody is considering one of the great advantages of buying. It's very easy to obtain a mortgage. With some additional risk, makes your returns so much better It's not just "Some risk" making it "so much better",...
by international001
Wed Jun 12, 2019 9:58 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7294

Re: Rethinking Individual Stocks

Can you develop this? If I have : A: 200 shares at $30 with cost basis $20 B: 100 shares at $30 with cost basis $10 Why is beneficial selling A instead of B? I think the correct comparison is selling 100 shares of A vs. 100 shares of B. You get one half of the capital gains for the same total proce...
by international001
Wed Jun 12, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18781

Re: Paying for rent is throwing away money...myth?

I see lots of people talking about the personal lifestyle and market driven forces But nobody is considering one of the great advantages of buying. It's very easy to obtain a mortgage. With some additional risk, makes your returns so much better It's not just "Some risk" making it "so much better",...
by international001
Wed Jun 12, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 37434

Re: For those who earn $500k+ per year. How'd you do that?

And analogous to the “10x rockstar engineer” example above, who knows where the next rockstar salesperson could come from? Selling software is less about being a technical expert (that’s what sales engineers are for) and more about understanding the customer need. If someone with no tech or sales e...
by international001
Wed Jun 12, 2019 7:08 am
Forum: Investing - Theory, News & General
Topic: When to sell and buy funds or stocks
Replies: 9
Views: 1578

Re: When to sell and buy funds or stocks

Everything that you say is right. But this is not my point.
I'm trying to look at strategies whenever everything else is equal.

For instance, if you are young and you have to rebalance on taxable. Better to sell funds that you got 1 year ago than the ones you got 10 years ago.
by international001
Wed Jun 12, 2019 7:02 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 73
Views: 7875

Re: Moving from Vanguard to Merrill Edge

ACtually, it's described better if you look down: ---- AAA Member Rewards This is the card I was most excited about researching. Points are worth 1¢ a piece. Update: It looks like you only earn the Bank of America Preferred Rewards bonus on the 1 base points and not on the category bonuses as well, ...
by international001
Wed Jun 12, 2019 6:56 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 73
Views: 7875

Re: Moving from Vanguard to Merrill Edge

Another update: 6/7: I finally see the Platinium Honors membership. I had to wait for the average over 3 months to get > 100k. It looks they don't do the average everyday and this is why it took so long. An unpleasant surprise, the 75% bonus is over the base rate. For the travel rewards, It's 1.5*1...
by international001
Wed Jun 12, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18781

Re: Paying for rent is throwing away money...myth?

I see lots of people talking about the personal lifestyle and market driven forces

But nobody is considering one of the great advantages of buying. It's very easy to obtain a mortgage. With some additional risk, makes your returns so much better
by international001
Mon Jun 10, 2019 4:32 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 73
Views: 7875

Re: Moving from Vanguard to Merrill Edge

Another update: 6/7: I finally see the Platinium Honors membership. I had to wait for the average over 3 months to get > 100k. It looks they don't do the average everyday and this is why it took so long. An unpleasant surprise, the 75% bonus is over the base rate. For the travel rewards, It's 1.5*1....
by international001
Mon Jun 10, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18781

Re: Paying for rent is throwing away money...myth?

tool assumes 1% of house value spent on maintenance per year. I have no idea if that's informed by any real data. https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html The nice thing is you can play around with it yourself. Look at https://www.frbsf.org/economic-research/files/wp...
by international001
Mon Jun 10, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18781

Re: Paying for rent is throwing away money...myth?

And to your point, people also discount the property taxes, mortgage interest, insurance, maintenance, etc. expended on the home for all those years. I have a family member who was proud that a $30k investment in 1985 in timber was now worth around $200k. He was less proud when I told him that had ...