Search found 140 matches

by typical.investor
Sat Sep 22, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2371

Re: Fidelity cobrowser??

oldcomputerguy wrote:
Sat Sep 22, 2018 8:22 am
Watty wrote:
Sat Sep 22, 2018 7:32 am
Bull pucky, if it was trying to do that it was a virus or some other attempt to hack you system.

First thing to do is to scan your system for viruses.
Love to. Just as soon as someone points me to an AV scanner for a Linux system.
https://www.clamav.net
by typical.investor
Fri Sep 21, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: AQR podcast: stocks are not real assets and do not hedge against inflation risk
Replies: 25
Views: 1987

Re: AQR podcast: stocks are not real assets and do not hedge against inflation risk

They also don't say that EM helps. They specifically say "currencies of emerging markets", which is a very different thing. So what’s the big difference between currency exposure in cash and exposure in equities? Did they say why? I get that EM equities often crash and that if coincides an inflatio...
by typical.investor
Fri Sep 21, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: AQR podcast: stocks are not real assets and do not hedge against inflation risk
Replies: 25
Views: 1987

Re: AQR podcast: stocks are not real assets and do not hedge against inflation risk

I consider EM equities to be an inflation hedge. As my holdings aren’t hedged, I’m not sure why AQR would consider that different than currency in cash.
by typical.investor
Wed Sep 19, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 9. Small-cap value and the "ten-fund portfolio."
Replies: 10
Views: 1061

Re: Matter/scatter, part 9. Small-cap value and the "ten-fund portfolio."

International wasn’t removed from the 10 funder though. It still contains emerging. At 6% or so it shouldn’t make a huge difference, but EM is volatile!
by typical.investor
Wed Sep 19, 2018 6:22 am
Forum: Investing - Help with Personal Investments
Topic: What can go wrong in shorting Tilray, and can EU investors short it (and how?)
Replies: 29
Views: 1249

Re: What can go wrong in shorting Tilray, and can EU investors short it (and how?)

I have read about the cannabis stock Tilray, which has 28M$ in sales and a market cap of over 14B$; its price has gone up fivefold in six months and I've seen that even people who bought it 6 months ago are now shorting it. With this market cap at 500 times sales the valuations seems absurd. So I t...
by typical.investor
Wed Sep 19, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 34
Views: 2053

Re: How to watch baseball playoffs without cable

tv.youtube.com worked great for the World Cup. Easy to schedule a recording (no limit) or watch live. Easy to cancel when not in playoff season! YouTube TV will serve as the presenting sponsor of the 2018 and 2019 World Series. Not sure if it's implemented yet but at some point in the future, YouTu...
by typical.investor
Tue Sep 18, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Marijuana ETF's
Replies: 6
Views: 1005

Re: Marijuana ETF's

No idea but short sellers are paying a pretty penny for access to Marijuana stocks. So I'd check if the ETF is lending and if so, who get the money. On ETF.com, I think you check the Securities Lending Split (Fund/Issuer). 100% to the fund means you get the money I believe. Of course, there is risk ...
by typical.investor
Tue Sep 18, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign annuity tax question.
Replies: 2
Views: 169

Re: Foreign annuity tax question.

I'm a US citizen who lived in Senegal for 5 1/2 years working for a government funded education program. While there, I put funds in a local bank. In august, I converted the cash balance to a monthly annuity. I am paid $823 monthly by Banque Atlantique Senegal. This will be the first tax year getti...
by typical.investor
Tue Sep 18, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 34
Views: 2053

Re: How to watch baseball playoffs without cable

tv.youtube.com worked great for the World Cup.

Easy to schedule a recording (no limit) or watch live. Easy to cancel when not in playoff season!
by typical.investor
Tue Sep 18, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: American Funds 401K - What Available Funds Close to Vanguard 3-Fund Portfolio
Replies: 5
Views: 521

Re: American Funds 401K - What Available Funds Close to Vanguard 3-Fund Portfolio

Growth Fund of America Bond Fund of America Europacific Growth That's about 90% of equities in large cap. Your target is about 75%. It's also tilted very much to growth. More than half of equities are growth versus a target of 33%. Their target date funds are much more balanced, but don't have as m...
by typical.investor
Tue Sep 18, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Four International ETFs that are better diversifiers than VXUS
Replies: 28
Views: 2174

Re: Four International ETFs that are better diversifiers than VXUS

I thought it would be interesting to make a short list of international ETFs that are especially good diversifiers for a balanced portfolio that is otherwise US-centric (e.g. 60/40 Vanguard Total Stock Market ETF & Vanguard Total Bond Market). ISZE and HDEF are the best diversifiers of the the four...
by typical.investor
Tue Sep 18, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2938

Re: are iPad Minis obsolete?

I’d be interested to hear others’ experiences with iOS 12 on older devices. My iPhone SE is noticeably faster after the update, and the mini 4 can be updated. Apple has advertised this update as significantly focused on speed improvements (for older devices), so I’d be interested to hear if anyone ...
by typical.investor
Mon Sep 17, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 1899

Re: UK boarding school (Intl student)

Interesting discussion. That said, for the student in question I think the bigger fear would simply be spending too much time on video games. Or finding the language gap too much... Take a look at the Swiss boarding schools before making a decision. Funny, I just started listening to Valeska Steiner...
by typical.investor
Mon Sep 17, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1891

Re: Does cash at Ally count in my asset allocation?

I don't know if details are required so I'll keep this simple. If I count the cash and CDs I have at Ally Bank my AA is 52.5% equities and 47.5% fixed income. If I don't count the cash it is 57% equities and 43% fixed income. I have had/want a 50/50 AA so counting the cash is pretty much 50/50 but ...
by typical.investor
Sun Sep 16, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Disrupted Expectations
Replies: 53
Views: 6079

Re: Larry Swedroe: Disrupted Expectations

https://www.econstor.eu/bitstream/10419/96153/1/783578911.pdf Could this be due to a preference by older people for stable dividend-paying income stocks, rather than an explicit strategy to capture the value premium? Based on the data in that research, and how value exposure rises over time, I woul...
by typical.investor
Sun Sep 16, 2018 2:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Disrupted Expectations
Replies: 53
Views: 6079

Re: Larry Swedroe: Disrupted Expectations

Valuations don't matter. Years to retirement matter. Since I'm 5 years away, I'm 50/50 stocks/bonds. It would be difficult for my portfolio to be cut in half at this point (although still possible). Note I would be 50/50 even if valuations were "normal" or "low". Because the risk of a crash is neve...
by typical.investor
Sun Sep 16, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 1899

Re: UK boarding school (Intl student)

We've been quoted 41k to 70k which included a UK guardian. What is the guardian for? Somewhere to stay during school holidays? (Might be cheaper to have the kid fly home instead?) It’s generally a required insurance policy that someone will be responsible for the minor (illness, disruption to trave...
by typical.investor
Sat Sep 15, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 1899

Re: UK boarding school (Intl student)

Some schools now offer the International Baccalaureate (different from the French one) which is a gold standard for international university admission. I didn't realize that program was availiable too. Getting into those is a dream of parents all over the world and is very difficult. The target wou...
by typical.investor
Sat Sep 15, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1688

Re: Developer Laptop

I‘d either go MacBook pro or maybe a Linux build by system76 or similar. Hadoop? You should read the requirements - it writes temporary files so maybe you want more than a 1TB SSD. As for memory, I’d want 32GB minimum myself and regret going cheap on 16GB. Well Apple had limited options until recent...
by typical.investor
Sat Sep 15, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 1899

UK boarding school (Intl student)

Is anyone familiar with UK boarding schools (starting 9th grade) or with an advisor who can guide placement (including a guardian, Visa etc). It’d be for a non-UK/non-EU student/second language learner. Goal is to finish high school — not even sure what they call that in the UK. Or Canada, New Zeala...
by typical.investor
Fri Sep 14, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: New Google Dataset Search
Replies: 2
Views: 497

New Google Dataset Search

Curious if anyone has made use of Google’s new Dataset Search, or if anyone has plans to try to get people to release their findings in a suitable format to be included in the eco system. https://www.blog.google/products/search/making-it-easier-discover-datasets/ Similar to how Google Scholar works,...
by typical.investor
Wed Sep 12, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: A case for holding international bonds
Replies: 14
Views: 1135

Re: A case for holding international bonds

The hedge return is not random around 0%. For countries with similar credit quality, differences in bond yield reflect differences in inflation expectations. If international bonds have a lower yield, then other currencies are expected to appreciate relative to the USD, so the hedge return will be ...
by typical.investor
Wed Sep 12, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2835

Re: Going off-track of asset allocation due to high savings rate

1). The US and ex-US markets have similar long-term returns, and ex-US markets have been seriously lagging since the GFC. 2). The CAPE shows some relationship to future 10-year returns. 3). People tend to pile into the assets which have performed better recently and abandon the recent losers. Now y...
by typical.investor
Tue Sep 11, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: [Germany] Trading from US
Replies: 1
Views: 167

Re: [Germany] Trading from US

I am trying to start investing in Germany while temporarily living and working in the US - Is anybody using flatex.de from the US (also registered as a US resident)? - Do you know any other german online broker that allow US residents to trade? From a US tax perspective, holding foreign funds (trad...
by typical.investor
Mon Sep 10, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Transfer from Wealthfront: non-US resident
Replies: 6
Views: 478

Re: Transfer from Wealthfront: non-US resident

I don't understand your Schwab One comment but perhaps there is some confusion. The Schwab One International account is for anyone* overseas who wants to use US domiciled (traded on US exchanges) ETFs, stocks, fixed income, ADRs and options. You can transfer your current Wealthfront holdings there ...
by typical.investor
Sun Sep 09, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4522

Re: $250,000 family loan to parents?

Might be a silly question, but what about buying half the house? OP's parents will face capital gains taxes when it's sold anyway, won't they. A simple gift does seem easiest but I really can't evaluate the medicaid possibility. But if they both started needed care now and lived like my Grandma, the...
by typical.investor
Sun Sep 09, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Cliff Asness: Liquid Alt Ragnarok?
Replies: 80
Views: 5158

Re: Cliff Asness: Liquid Alt Ragnarok?

Nisiprius, that’s pretty impressive! In one of the footnotes, it’s also stated that Ragnarok is in comic books too :-) Dave Oops, decided to delete my posting on Ragnarök. I'd responded to Dave's remark about "still not clear on the title" because I noticed that Asness explains it in his own footno...
by typical.investor
Sat Sep 08, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4164

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

Vanguard is not going to allow any transactions or fund transfers as long as the account is locked because of suspicious behavior. Vanguard does NOT want you out, but they will insist on proper procedure. Paul We don't know that this is due to suspicious behavior. Per the OP ... not a minor; there ...
by typical.investor
Sat Sep 08, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4164

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

I have been told by two different people at Fidelity that Vanguard Admiral shares transfer to Fidelity over as non-Admiral shares. I see. I transferred in taxable. Maybe Vanguard doesn't let them go out in tax sheltered because there's no tax penalty to change the share class and send out investor ...
by typical.investor
Sat Sep 08, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4164

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

Here are a few guesses. Any of these ring a bell? a) Fidelity can't hold some Vanguard funds: I'm not sure of the details, but I am fairly certain that there are some Vanguard mutual funds you just cannot buy at Fidelity. I suspect this is true for all Admiral shares, but I don't know. b) The accou...
by typical.investor
Sat Sep 08, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3031

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera...
by typical.investor
Sat Sep 08, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer from Wealthfront: non-US resident
Replies: 6
Views: 478

Re: Transfer from Wealthfront: non-US resident

Hi all, I have a Wealthfront account that I've used for about two years, while I was living in the US (non-resident alien). I don't pay CGT in the US (as far as I can tell) so I don't mind liquidating completely and re-investing in whatever I choose. I plan to buy 3-4 funds/ETFs/bonds and holding u...
by typical.investor
Sat Sep 08, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3031

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera...
by typical.investor
Sat Sep 08, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: Best cloud hosting provider?
Replies: 4
Views: 658

Re: Best cloud hosting provider?

The Google Cloud Platform has a number of solutions: https://cloud.google.com/solutions/websites/ I don't mind reading their documentation to figure things out, but support is often community based and depending on your level of ability could be a challenge. I use Google App Engine to and have stati...
by typical.investor
Sat Sep 01, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Small-cap exposure in VBR, ie CRSP small-cap value index fund
Replies: 64
Views: 4972

Re: Small-cap exposure in VBR, ie CRSP small-cap value index fund

A link to portfolio visualizer for VBR, IJS comparision, https://www.portfoliovisualizer.com/factor-analysis?s=y®ressionType=1&symbols=VBR+IJS&startDate=02%2F01%2F2004&endDate=06%2F19%2F2018&factorDataSet=2&marketArea=0&factorModel=3&useHMLDevFactor=false&includeQualityFactor=true&includeLowBeta...
by typical.investor
Sat Sep 01, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3967

Re: Are CDs considered an investment?

But some people say CDs are not an investment, just a way to save money. What is the difference? A savings vehicle has little to no price volatility, whereas as investment entails taking on some risk of that you will lose your money in exchange for some chance of increasing in value. I’d say that a...
by typical.investor
Thu Aug 30, 2018 12:37 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11273

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Lots of folks seem to use the non-word "alot" when they mean "a lot". That really grinds my gears. A lot. Do understand that accepted usage is determined by convention. Surely some went kicking and screaming as old English was gradually replaced, and surely there are those who adopted what seemed l...
by typical.investor
Wed Aug 29, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11273

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Market. Buy TSM and own the market. Doesn’t the market include all equities? Not saying US stacks aren’t the best, only that they are not the market. Beta. Owning TSM will only give you exposure to beta. Never mind that TSM includes high beta and low beta in the same way it includes both value and ...
by typical.investor
Tue Aug 28, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Robo Ranking - Summer Edition
Replies: 1
Views: 275

Re: Robo Ranking - Summer Edition

This report may be of interest to those considering a robo advisor: https://storage.googleapis.com/gcs-wp.theroboreport.com/HvExWaCanh6dxdZm/2018%20Summer%20Robo%20Ranking.pdf You can make what you will out of their "results", but I think Schwab gets penalized by the evaluation methodology. Schwab ...
by typical.investor
Sun Aug 26, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Switching from driving to uber/lyft for daily commute
Replies: 10
Views: 1265

Re: Switching from driving to uber/lyft for daily commute

Yeah tips.

If you don’t, will your rating drop and does that influence availability?
by typical.investor
Sat Aug 25, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Non-US residents adding BNDX or just BND alone?
Replies: 4
Views: 363

Re: Non-US residents adding BNDX or just BND alone?

For non-US residents to minimize risk from fluctuating exchange rates, they should hold bonds denominated in their home currency or bonds that are hedged to their home currency. BNDX works for US investors since it is hedges to the USD. It offers no benefit currency wise to investors with a non USD ...
by typical.investor
Sat Aug 25, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 141
Views: 9122

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

2. Right, the carry on the 2yr contract now is roughly +.50% on the notional amount (the note isn't really a 2 yr, the borrowing rate isn't exactly 2%, but roughly). Sorry if this has been answered before, but does the fund get a better financing rate? A 90/10 portfolio would earn maybe .28% (depen...
by typical.investor
Fri Aug 24, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 141
Views: 9122

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

The 2yr note contract requires the 'short' to deliver to the 'long' $200,000 face value of one of a list of eligible issues. The short will deliver* the 'Cheapest to Deliver' (CTD) issue, determined by applying a conversion factor for each issue's price according to a formula. One issue will be mos...
by typical.investor
Thu Aug 23, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Performance Earnings for Schwab Intelligent Portfolios or Intelligent Advisor
Replies: 1
Views: 274

Re: Performance Earnings for Schwab Intelligent Portfolios or Intelligent Advisor

Did you happen to see this thread?

viewtopic.php?f=10&t=255055

Schwab had the best performance although Vanguard got a better rating for performance due to the evaluation methodology.
by typical.investor
Wed Aug 22, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 141
Views: 9122

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

WHOOOOOOOOOOSH right over my head. i don't think, for me anyway, 0.20% is too much to pay in expense. I was trying to avoid that, but at the other end of simplifying is nitpicking (though ThrustVectoring has a point that my initial simplification could be confusing). However, paying somebody to do ...
by typical.investor
Wed Aug 22, 2018 3:21 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 141
Views: 9122

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

Honestly, you should probably just DIY it on the treasury futures contracts. I agree there's not a lot of space in between where one understands this well enough to invest in a fund that does it, and understanding how to do it yourself and what exactly you are doing. Although, doing it yourself mea...
by typical.investor
Tue Aug 21, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 526

Re: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).

Anyway, you need US domiciled funds (traded on US exchanges) for US tax reasons, so probably have to buy in USD. Why do you conclude that? Poster is *not* a US citizen. Why would he/ she want US domiciled funds? Good catch. My advice is for US citizens. I should refrain from posting when unable to ...
by typical.investor
Tue Aug 21, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Total International Exposure with Schwab MFs
Replies: 11
Views: 580

Re: Total International Exposure with Schwab MFs

For a variety of reasons I have settled on using mutual funds from Schwab for my long-term, taxable account. Although I have other funds which I am slowly selling off, I eventually want to get to the following: 50% SWTSX - Schwab Total Stock Market Index Fund (ER 0.06%) 50% SWISX - Schwab Internati...
by typical.investor
Mon Aug 20, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Excess withholding of foreign taxes (Japan) on ADR for US citizen
Replies: 1
Views: 234

Re: Excess withholding of foreign taxes (Japan) on ADR for US citizen

I'm a US citizen, holding, among other investments, ADRs for a Japanese company (Toyota), at Fidelity. When dividends are paid, foreign taxes are withheld. But I think they're withheld at the wrong rate. It's a bit hard to understand and research this. I'm not a lawyer or CPA, so please don't take ...