Search found 24 matches

by Neoseo1300
Fri Jun 07, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Are market downturns & crashes really driven by fear?
Replies: 23
Views: 1867

Re: Are market downturns & crashes really driven by fear?

Japan never bounced back. US market history isn’t a guarantee. I fully agree, but I doubt this is the reason why people have been selling in most recent crashes (2000, 2008). OP, Which kind of market downturn & crashes that you are referring to? For example, with 10+ years of the bull market, many ...
by Neoseo1300
Fri Jun 07, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Are market downturns & crashes really driven by fear?
Replies: 23
Views: 1867

Are market downturns & crashes really driven by fear?

We often hear on TV or read in the news that fear is the main driver of market crashes but I'm wondering to what extent this is true. It seems so counter-intuitive to me that people would sell massively when stocks are losing value, especially when history has shown that markets always bounce back a...
by Neoseo1300
Sat Apr 20, 2019 2:24 pm
Forum: Personal Investments
Topic: Should I repatriate my cash?
Replies: 19
Views: 1828

Re: Should I repatriate my cash?

Thanks everyone for the feedback, much appreciated. To give more context, I'm 30 and don't plan on returning to Europe any time soon (maybe for retirement who knows, but at this stage there is no return planned). In terms of amount, we're talking about $200k. So overall, it seems like the easiest so...
by Neoseo1300
Thu Apr 18, 2019 7:21 pm
Forum: Personal Investments
Topic: Should I repatriate my cash?
Replies: 19
Views: 1828

Should I repatriate my cash?

Hi everyone, As a European citizen now living and working in the US, I still have significant savings on euro bank accounts. Right now, they are deposited on saving accounts earning close to zero interests. I'm now thinking about repatriating my cash so I can invest it in the US (ETFs, Real estate, ...
by Neoseo1300
Fri Mar 01, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Did I mess up my employer contribution?
Replies: 2
Views: 270

Did I mess up my employer contribution?

Hi everyone, I believe I messed up with my 401k contribution so I would like to confirm with you. My employer matches 401k contribution up to 4%. in the past year, because I arrived mid-year I initially set my contribution to 401k to 75% in order to catch up and maximise the account by year end (alt...
by Neoseo1300
Sat Feb 16, 2019 11:57 pm
Forum: Non-US Investing
Topic: Taxe impact of monetary foreign gift
Replies: 2
Views: 255

Re: Taxe impact of monetary foreign gift

Thanks for the answer aspiringboglehead :)
by Neoseo1300
Sat Feb 16, 2019 2:46 pm
Forum: Non-US Investing
Topic: Taxe impact of monetary foreign gift
Replies: 2
Views: 255

Taxe impact of monetary foreign gift

Hi everyone, I would like to know if there is any taxe impact in this particular situation: I'm french living and working in the US (US resident). My parents are french, living in France. My grandparents recently passed away and their assets (including cash) were inherited by their kids (including m...
by Neoseo1300
Sun Dec 23, 2018 3:28 pm
Forum: Non-US Investing
Topic: International Checking account?
Replies: 15
Views: 1091

Re: International Checking account?

Thanks all for your answers. Indeed, the simplest way is probably to just keep an french online account (Boursorama, Hello Bank, etc) opened for free and use transferwise when I need to transfer cash internationally (not that frequent). TravelGeek, sorry for my ignorance but when you say "remember t...
by Neoseo1300
Sat Dec 22, 2018 8:04 pm
Forum: Non-US Investing
Topic: International Checking account?
Replies: 15
Views: 1091

International Checking account?

Hi everyone, First some context: I'm french but I'm currently living and working in the US (don't plan on moving back). After my move to the US, I opened a US account at Bofa (checking account) but maintained my old french checking account (with debit card) because I still have EUR liquidity that I ...
by Neoseo1300
Sat Nov 10, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

Also I also just saw that the iphone XR can't be bought unlocked? So how am I supposed to do if I buy it with one of the carrier on the apple store and then want to switch carrier? For example, if I'm currently using my android phone with T-mobile. Now I want to buy a new iphone XR and benefit from ...
by Neoseo1300
Fri Nov 09, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

Keep an eye on Costco and Best Buy. Wife bought her phone (Samsung Galaxy S8) at Costco and received a $300 gift card. Wife bought my phone (Samsung Galaxy S9) at Best Buy for $480. Her phone and my phone were both the newest models when purchased. Our previous phones (Samsung Galaxy S5) were purch...
by Neoseo1300
Thu Nov 08, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. http...
by Neoseo1300
Thu Nov 08, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Financial coaching - license / certificate?
Replies: 6
Views: 633

Financial coaching - license / certificate?

Hi everyone, Quick question: Do you need any kind of license / certificate to start a personal finance coaching business? I would believe you don't given the nature of the business itself (helping people look at their finances, not selling any kind of particular product). Where it gets tricky though...
by Neoseo1300
Wed Nov 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

I don't frequently need roaming I didn't think I needed it either. Until T-Mobile sent me a text to say that I had exhausted my 200MB data allocation when I was traveling through North/South Dakota. Don't know if I'm missing the joke as a non-American, but isn't roaming related to out of country us...
by Neoseo1300
Wed Nov 07, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

Indeed, I don't frequently need roaming, customer service and uncapped data speed. I'm just looking for a service that works correctly, with good US coverage and fair internet speed (to browse the internet, listen to music) Between all the MVNOs available, is there a favorite among the bogleheads co...
by Neoseo1300
Tue Nov 06, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Re: Best deals to buy iphones

Quick update on this post, as Black Friday is coming up (btw, my wife bought a refurbished Iphone 8 so I'm now looking for only one phone). I've checked deals on iphone presented during previous black Fridays, and it seems that all the offers require to subscribe to one of the big carrier's plans to...
by Neoseo1300
Fri Oct 05, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7117

Best deals to buy iphones

Hi guys, Me and my wife have had our smartphones (Samsung A5 and Iphone 6) for quite some time and we would like to get new ones (our phones are getting very slow, and only have 16gb of storage). We want to buy 2 iphones XS. My question is: what are the best deals available in that situation? We don...
by Neoseo1300
Fri Sep 28, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2852

Re: Investment types in a no-growth environment

My personal theory is the human creativity, not growth per-se, is what drives ROI. So long as our capitalist system continues to reward greed, I think we will be OK. But how do you define human creativity more concretely ? What form does it take in our economy and how would it drive ROI? Also, I ag...
by Neoseo1300
Wed Sep 26, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2852

Re: Investment types in a no-growth environment

Thank you all for your contribution However, could we please refocus the conversation around the initial subject which was: what to do in a no-growth world? I understand some of you may want to question the underlying assumption but that is not the subject of the debate. Neither is the current situa...
by Neoseo1300
Wed Sep 26, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2852

Re: Investment types in a no-growth environment

Productive assets are still productive even if their values don't move upward. Think of a farm, for example. The food is valuable, and under good land management practices the farm is still there for the next growing season. PJW I agree. But so is your real estate? Your property produces a rental i...
by Neoseo1300
Tue Sep 25, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Investment types in a no-growth environment
Replies: 35
Views: 2852

Investment types in a no-growth environment

Hi everyone, I was discussing with a friend recently about investments strategies, more particularly in a world with limited future growth prospects and I would like to have your opinion. So let's make the assumption that Long term growth at the global level is limited or non-existent (given the sca...
by Neoseo1300
Mon Sep 24, 2018 8:26 pm
Forum: Personal Investments
Topic: Understanding 401k / IRA after moving to the US
Replies: 3
Views: 346

Re: Understanding 401k / IRA after moving to the US

Thanks to both of you for your precise answers, much appreciated :o
by Neoseo1300
Mon Sep 24, 2018 1:36 pm
Forum: Personal Investments
Topic: Understanding 401k / IRA after moving to the US
Replies: 3
Views: 346

Understanding 401k / IRA after moving to the US

Hi everyone, First of all, I wanted to thank this great community for the quantity of information that is provided on the Wiki and the forum. I would like to take the opportunity of this topic to do a preliminary assessment of my situation and confirm with you my understanding of retirement accounts...
by Neoseo1300
Sat May 12, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Debt payment does not show in Bank account
Replies: 2
Views: 344

Debt payment does not show in Bank account

Hi everyone, My wife and I have a joint account. About 2 weeks ago, my wife deposited cash (around $5,000) on the account and paid through internet part of her student loan (via the official website of her student loan). Although the $5,000 cash deposit is displayed on the bank account and the debt ...