Search found 953 matches

by typical.investor
Sun Aug 18, 2019 3:18 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: U.S. Weighs Selling 50- and 100-Year Bonds
Replies: 25
Views: 2407

Re: Bloomberg: U.S. Weighs Selling 50- and 100-Year Bonds

I’d be in.

And I would use them exclusively to rebalance when equities drop.
by typical.investor
Sat Aug 17, 2019 7:02 pm
Forum: Personal Investments
Topic: DFA (Dimensional) Portfolio Keep or Jettison?
Replies: 22
Views: 1477

Re: DFA (Dimensional) Portfolio Keep or Jettison?

If small value pays a premium, it’s a result of valuations. Periods of underperformance make small value unattractive and difficult to hold. I don’t see any wisdom in unwinding a small value tilt after megacap growth has outperformed. If you do hold and realize a premium, call it compensation for yo...
by typical.investor
Fri Aug 16, 2019 12:52 am
Forum: Investing - Theory, News & General
Topic: Muni bond advice - high yield
Replies: 24
Views: 1706

Re: Muni bond advice - high yield

Not sure what you mean by this... Care to elaborate? All I mean is that like advisory fees, the costs of running a fund still get paid whether it's doing well or not. Leverage is essentially debt finance and the lender gets paid whether the bonds perform or not. Bogleheads usually advise to avoid t...
by typical.investor
Wed Aug 14, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 62
Views: 4673

Re: I wanted to teach myself computer programming.

rai wrote:
Wed Aug 14, 2019 9:16 am
Any advice, books or online courses to recommend?

Back in the 80s I took a semester of COBAL and now I’m thinking just for fun to learn something new to me.

What’s language and what types of activity should I do?
Try this https://github.com/freeCodeCamp/freeCod ... /README.md
by typical.investor
Wed Aug 14, 2019 6:23 am
Forum: Non-US Investing
Topic: Can an expat still invest and trade ETFs???
Replies: 26
Views: 1827

Re: Can an expat still invest and trade ETFs???

I received TODAY (August 13th) the following notice from Charles Schwab ... As an alternative to U.S. ETFs, Schwab is offering ETFs that have been authorized as Undertakings for Collective Investment in Transferable Securities (UCITS). For you as a US citizen, following Schwab's recommendation woul...
by typical.investor
Wed Aug 14, 2019 3:00 am
Forum: Investing - Theory, News & General
Topic: Negative Bond Yields?
Replies: 28
Views: 2659

Re: Negative Bond Yields?

The key is currency. Vanguard's fund is hedged, so actually those negative yield German and Japanese bonds have positive yields for US investors. To attribute expected return to currency hedging, one would have to assume that the dollar is expected to continue to gain relative strength to other dev...
by typical.investor
Wed Aug 14, 2019 2:53 am
Forum: Non-US Investing
Topic: Can an expat still invest and trade ETFs???
Replies: 26
Views: 1827

Re: Can an expat still invest and trade ETFs???

This may be inconvenient news for E.U. resident clients of Schwab who want to invest in U.S. ETFs. However, this may be FANTASTIC news for other Schwab international clients, because many of us want to buy Irish domiciled ETFs and up to now Schwab has not been a good broker for this (Interactive Br...
by typical.investor
Tue Aug 13, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Cheap Long-Term Leverage for International Stocks
Replies: 8
Views: 615

Re: Cheap Long-Term Leverage for International Stocks

Are there cheap long-term loans that could be used to invest in International Stocks? I'd like to take advantage of long-term interest rates to lever up on stock investments. Do you mean a loan in USD? The idea would be similar to leveraging mortgages on rental properties, only I'd like to use this...
by typical.investor
Tue Aug 13, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 75
Views: 4826

Re: Do you "lock" computers in your home?

*unlocks computer* I use full disk encryption on every drive, including removable drives. And I lock the computer when I'm not physically sitting at it. The main reason I lock it is that I'm required to do so at work, even if I'm just getting coffee or retrieving a printout. So it's easier to do it...
by typical.investor
Tue Aug 13, 2019 11:24 am
Forum: Personal Investments
Topic: Expat Investment Account / Health Insurance Planning
Replies: 3
Views: 170

Re: Expat Investment Account / Health Insurance Planning

I don’t think there is a Schwab International bank account. I have check writing on my Schwab International Brokerage account, but it’s not a bank with bill pay and such. About Medicare, don’t you have to pay part B premiums when you reach eligibility or face a penalty should you try to resume it l...
by typical.investor
Tue Aug 13, 2019 9:40 am
Forum: Personal Investments
Topic: Expat Investment Account / Health Insurance Planning
Replies: 3
Views: 170

Re: Expat Investment Account / Health Insurance Planning

I don’t think there is a Schwab International bank account. I have check writing on my Schwab International Brokerage account, but it’s not a bank with bill pay and such. About Medicare, don’t you have to pay part B premiums when you reach eligibility or face a penalty should you try to resume it la...
by typical.investor
Tue Aug 13, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: Why Are International ETF's Up When Foreign Markets Were Down?
Replies: 8
Views: 500

Re: Why Are International ETF's Up When Foreign Markets Were Down?

Can someone explain why, like today, international etf's (such as VEU) are up, when all foreign indexes were down the previous night. Thanks! Perhaps livesoft took advantage today of the drop from the previous night, and others saw it as a signal that there will soon be a rebound and jumped in too.
by typical.investor
Tue Aug 13, 2019 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Doing your own taxes with a taxable account.
Replies: 9
Views: 1133

Re: Doing your own taxes with a taxable account.

I have always done my own taxes and enjoy doing so. What is the process like for reporting gains on a taxable account such as dividends for the year and then once you sell at a profit? Is there a way to set up your taxable account that makes taxes easier? (Such as buying stock funds per month or as...
by typical.investor
Tue Aug 13, 2019 3:57 am
Forum: Personal Investments
Topic: Allocation for roth IRA and taxable with Schwab
Replies: 3
Views: 292

Re: Allocation for roth IRA and taxable with Schwab

awesome thanks. is there an easy way to modify the spreadsheet to remove the SCHC ETF Seriously, you are going to hack the spreadsheet? Ok, if you must...be signed in to a google account and make a copy of the sheet into your g-drive account. Then look at the locked (but you own the copy so can edi...
by typical.investor
Tue Aug 13, 2019 1:46 am
Forum: Personal Investments
Topic: Allocation for roth IRA and taxable with Schwab
Replies: 3
Views: 292

Re: Allocation for roth IRA and taxable with Schwab

Regarding the equity, i would like to go for the following: - 75% SCHB (Multi Cap US) - 20% SCHF (international) - 5% SCHE (Emerging). Looks fine! Strictly speaking, a market weighted portfolio with 90% stocks - 10% bonds, and with 75% US - 25% Intl would be: SCHB 67.5% SCHF 15.2% SCHC 2.2% SCHE 5....
by typical.investor
Sat Aug 10, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Santa Fe lane centering vs. Ford Co-Pilot
Replies: 24
Views: 1151

Re: Santa Fe lane centering vs. Ford Co-Pilot

I can not answer your question. I will say that the lane keeping systems on my vehicles are probably the feature I would be most likely to give up. Two cars, two different systems. In fact, I frequently consider turning them off. Just not as useful in real life as I might have thought. For me, this...
by typical.investor
Fri Aug 09, 2019 7:17 pm
Forum: Personal Investments
Topic: New attending, looking to get back on track with my portfolio
Replies: 14
Views: 1651

Re: New attending, looking to get back on track with my portfolio

As an update, I spoke with the 403b manager for my wife's job and they said the front-end load is waived. Unfortunately there is no option such as a BrokerageLink to buy into other mutual funds offered through American Funds. No worries. American Funds are decent, particularly with no load. I would...
by typical.investor
Thu Aug 08, 2019 6:08 pm
Forum: Personal Investments
Topic: DFA (Dimensional) Portfolio Keep or Jettison?
Replies: 22
Views: 1477

Re: DFA (Dimensional) Portfolio Keep or Jettison?

3-If you were going to keep some/leave some/sell it all/keep it all, which ones and why? If I didn't have gains to deal with it would be simple, but seeing as I do I'm trying to prioritize these within the context of the whole portfolio. Will likely be stuck with some of these for awhile because th...
by typical.investor
Thu Aug 08, 2019 5:47 pm
Forum: Personal Investments
Topic: New attending, looking to get back on track with my portfolio
Replies: 14
Views: 1651

Re: New attending, looking to get back on track with my portfolio

Desired Asset Allocation: U.S. Total Stock Market - 30% U.S. Mid Cap Value - 10% U.S. Small Cap Value - 10% Total International Stocks - 20% Emerging Markets - 5% Real Estate - 10% U.S. Bonds - 10% Cash - 5% I think your AA is fine. Given that, I'd suggest GAIOX for your wife's 403b (TIAA). It's ba...
by typical.investor
Wed Aug 07, 2019 8:09 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 34
Views: 2186

Re: so many issues for US expats ... would forming an investing LLC in the US help?

Has anyone looked into setting up a US LLC (I guess ideally in a no-tax state) to hold taxable investments? Nolo seems able to set one up for $99 + state fees. A US address is required. If you have a US address, why not simply open a brokerage account at that address. If you don't have a US address...
by typical.investor
Wed Aug 07, 2019 7:24 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 34
Views: 2186

Re: so many issues for US expats ... would forming an investing LLC in the US help?

As a long-time expat I totally agree with this. I do exactly the same, although I have never had any problem with VG, Fidelity and others when I've mentioned that I live overseas. The mail forwarding (PostScan Mail works well) and GV help mostly with the SMS login verification process. Interactive ...
by typical.investor
Tue Aug 06, 2019 8:19 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 34
Views: 2186

Re: so many issues for US expats ... would forming an investing LLC in the US help?

Yesterday's thread by mcc57 suggests that one of options that has seemed to be favored by some (Schwab) may be closing its doors to certain Americans. I'm a US citizen but have been living in Italy for the last few years years. I've had a Schwab account for the longest time. When I moved to Europe ...
by typical.investor
Sun Aug 04, 2019 10:36 pm
Forum: Non-US Investing
Topic: Joint or separate IB accounts for NRA couple?
Replies: 7
Views: 792

Re: Joint or separate IB accounts for NRA couple?

assyadh wrote:
Sun Aug 04, 2019 9:38 pm
Why would the irs form apply if OP os holding LSE listed ETFs?
It's required if US situs assets are over $60k.

The relaxant instructions are at https://www.irs.gov/businesses/small-bu ... s-citizens
by typical.investor
Sun Aug 04, 2019 8:01 pm
Forum: Personal Investments
Topic: Question about Schwab changes
Replies: 19
Views: 1974

Re: Question about Schwab changes

2) what's a good way to handle this? I like Schwab in general but don't like him or his approach to sell. Also his misleading approach alerts me. On the other hand, it's a local branch and I don't want to make it messy or weird. I don't think the branch should get bent out of shape for asking thing...
by typical.investor
Sun Aug 04, 2019 9:20 am
Forum: Non-US Investing
Topic: Joint or separate IB accounts for NRA couple?
Replies: 7
Views: 792

Re: Joint or separate IB accounts for NRA couple?

Hi mexpat, my situation is quite similar to yours, so I'm interested to know if you have managed to sort this out. In the meantime, I have setup a joint account for myself and my wife at IB and currently investing in Ireland-domiciled ETFs who should (in theory) shield us from US estate tax (with t...
by typical.investor
Tue Jul 30, 2019 5:35 am
Forum: Non-US Investing
Topic: Why it's cheaper to buy ETF on IB on LSE in USD, than in my home currency EUR?
Replies: 3
Views: 560

Re: Why it's cheaper to buy ETF on IB on LSE in USD, than in my home currency EUR?

IIRC, someone had this luckily happen before. It turned out that it wasn’t transacting on the LSE, but a minor exchange (that had a lower minimum).

I can’t find the thread now, but on IB’s transaction confirmation, I think if you expand it, it lists the actual exchange.

What does it show?
by typical.investor
Mon Jul 29, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: What's the equivalent of the Bogleheads community for value investing?
Replies: 7
Views: 1150

Re: What's the equivalent of the Bogleheads community for value investing?

See the threads on factor investing. Most value investors here tilt to a broad based holding of small value that is generally chosen by index rules. Others embrace additional factors (momentum, low volatility etc) and hold either multi-factor funds. Research Affiliates has a “smart beta” tool - many...
by typical.investor
Sat Jul 27, 2019 4:25 pm
Forum: Personal Investments
Topic: Vanguard in Thailand - possible?
Replies: 9
Views: 1102

Re: Vanguard in Thailand - possible?

Vanguard doesn’t have a similar set up. I’m not in Thailand, but Vanguard froze my accounts for being overseas. Schwab took me in and that’s where I am. I highly recommend them. If their ETFs (or their commission free list) don’t meet your needs, it’s $4.95 to trade. Not much especially if you do th...
by typical.investor
Sat Jul 27, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5134

Re: Ghosted by IKEA after warranty claim

Did the $100 credit cover the item? If so, I don’t see what your complaint is.

If not, what about a visit to a store? Document it, and if they don’t honor it, try social media or small claims court.
by typical.investor
Sat Jul 27, 2019 7:59 am
Forum: Personal Investments
Topic: Perpetual withdrawal rate for non-retirement savings
Replies: 12
Views: 1686

Re: Perpetual withdrawal rate for non-retirement savings

I’d like, rather, to investment them in vtsmx and vgwlx, and take a small sliver of money from them each year, in perpetuity-- or at least for 20-25 years till retirement; then I’d withdraw at whatever my retirement withdraw rate was). I set 2.85% as my perpetual rate for planning purposes. You see...
by typical.investor
Fri Jul 26, 2019 6:49 am
Forum: Personal Investments
Topic: Charles Schwab vs. J.P. Morgan. Which one to invest?
Replies: 22
Views: 2272

Re: Charles Schwab vs. J.P. Morgan. Which one to invest?

Wow snailderby. Thanks for the detailed breakdown and elaboration, there really are many differences between them and I appreciate your time. From my understanding you seem to favor Vanguard over Schwab & You Invest simply because they charge a higher fee and because Schwab has 9 percent allocation...
by typical.investor
Sun Jul 21, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Approach to airline compensation
Replies: 14
Views: 1552

Re: Approach to airline compensation

You may have explained this, but just to be sure -- did you tell them (and did they agree) to only cancel the outbound leg but keep the return? That's important because if you simply self-rebook on some other airline and no-show for the outbound, your entire itinerary will automatically be cancelle...
by typical.investor
Sun Jul 21, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Approach to airline compensation
Replies: 14
Views: 1552

Re: Approach to airline compensation

Even though ORD is an AA hub, with their mechanics situation and the MAX grounding they simply don’t have a ton or any spare aircraft sitting around that could be substituted. Looks like UA flights from ORD to BDL operated yesterday. OK, I see your points. How liable should I be for weather issues ...
by typical.investor
Sun Jul 21, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: Approach to airline compensation
Replies: 14
Views: 1552

Re: Approach to airline compensation

I have run into this situation before, where I was on two separate tickets, the outbound canceled and so I wanted a refund for the return (on the same airline). I had to push very hard for it, but they refunded the ticket in the end. Be persistent. Here's a little more info on this "weather" situat...
by typical.investor
Sat Jul 20, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Approach to airline compensation
Replies: 14
Views: 1552

Approach to airline compensation

7pm Flight today was cancelled allegedly due to weather Chicago Ohare -> Hartford. I took a taxi to Chicago midway and flew out on a different airline and arrived in Hartford no problem. On the way to midway, I talked to the original carrier (American) and confirmed for the second time that nothing ...
by typical.investor
Thu Jul 18, 2019 4:08 am
Forum: Personal Finance (Not Investing)
Topic: [State] Residency v. Domicile
Replies: 6
Views: 930

Re: [State] Residency v. Domicile

As I read it GA says if you are here for 183 days you are a resident. Of course, I likely will be here for 183 but my wife will not. Here are the questions: 1. Has anyone been in a position where you file jointly on your federal tax returns but Married filing separately on your state? I have read a...
by typical.investor
Thu Jul 18, 2019 3:46 am
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 41
Views: 4954

Re: Reinvesting Dividends or no

The goal is no not withdraw any monies from the accounts. But...two Inherited Ira accts require RMDs. So the plan is to take RMDs at the end of the year and to turn off the auto reinvest for the last two quarters so I don’t have to sell anything. There is no need. For tax advantaged accounts such a...
by typical.investor
Wed Jul 17, 2019 9:29 am
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 25
Views: 2214

Re: US citizen retiring in Spain - portfolio concern

Thanks for all the advice. We will definitely buy a house to hedge. Currency futures seem complex. I need to study more On PFIC. This is exactly why I just cannot open an account in Europe buy bonds. Not allowed. My plan is to keep the portfolio here in US. I understand Fidelity or Schwab allow thi...
by typical.investor
Wed Jul 17, 2019 3:44 am
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 25
Views: 2214

Re: US citizen retiring in Spain - portfolio concern

If you need a US broker, try Schwab International. They offer access to US domiciled ETFs so you can avoid PFIC issues. I just checked their site, and it currently accepts applications from Spanish residents. If you aren't a resident yet, I guess you have to hope Spanish (or maybe EU) laws don't cha...
by typical.investor
Tue Jul 16, 2019 8:03 pm
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 25
Views: 2214

Re: US citizen retiring in Spain - portfolio concern

This isn't really a recommended option, but you could always hedge a portion of your portfolio (maybe a few years of estimated withdraws) to Euros through futures, but that would require once a quarter trades to keep them up. As suggested above, when I retire overseas and my earned income stops in ...
by typical.investor
Tue Jul 16, 2019 7:20 pm
Forum: Forum Issues and Administration
Topic: Length Limit on Quotes
Replies: 16
Views: 1327

Re: Length Limit on Quotes

Finger fatigue from reading is much less than finger fatigue from trying to edit on a phone.

I'm guilty of long quotes, but alternatives are don't quote or don't respond.
by typical.investor
Tue Jul 16, 2019 7:31 am
Forum: Non-US Investing
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 103
Views: 32119

Re: Non-US citizen with US Brokers: Estate Tax risk?

Can somebody explain what is SPIC insurance? I thought if the brokerage firm (IB, Vanguard,..) went bankrupt, I would still own the securities. It would be a matter of transferring them to another brokerage. So I guess I'm missing somehting That's pretty much it. SIPC covers missing securities. So ...
by typical.investor
Tue Jul 16, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: Avoiding all taxes while rebalancing - why no Target Date ETFs? Are 80/20 target ETFs e.g. AOA better than 3-fund?
Replies: 10
Views: 1522

Re: Avoiding all taxes while rebalancing - why no Target Date ETFs? Are 80/20 target ETFs e.g. AOA better than 3-fund?

One of the major pain points of keeping a taxable portfolio is having to rebalance both with age and with market shifts, paying taxes when selling appreciated shares. Why sell in taxable? If you are equity heavy, why not sell equities in tax deferred and replace with bonds there? Perhaps using equi...
by typical.investor
Tue Jul 16, 2019 1:30 am
Forum: Non-US Investing
Topic: US expat transferring assets to UK - financial and tax advice urgently needed
Replies: 9
Views: 702

Re: US expat transferring assets to UK - financial and tax advice urgently needed

Last I heard, Schwab UK opened account TS for UK residents that have access to US ETFs (so no PFIC issues) that are also HMRC reporting. You can Google and find the list. The major Vanguard I was were on there lest I checked. Interactive Brokers offer the same thing and has good exchange rates. It's...
by typical.investor
Mon Jul 15, 2019 7:05 am
Forum: Non-US Investing
Topic: SIPC coverage for Irish-domiciled ETFs
Replies: 20
Views: 1587

Re: SIPC coverage for Irish-domiciled ETFs

For a broker with SPIC insurance, only certain classes of assets are covered by that insurance. I have seen some bizarre things within a brokerage account that I would not think would be covered. It like if you car caught fire while parked on the street - I don't think you house insurance would cov...
by typical.investor
Mon Jul 15, 2019 12:49 am
Forum: Personal Investments
Topic: GSLC ETF available commission free through Fidelity
Replies: 9
Views: 722

Re: GSLC ETF available commission free through Fidelity

I have a 401(k) self directed brokerage through Fidelity and recently found that the ETF, GSLC - Goldman Sachs Active Beta US Large Cap Equity, has become available commission free. I am now considering adding this fund to my 401(k). My 401(k) currently consists of 3 ETFs shown below, and about 10%...
by typical.investor
Mon Jul 15, 2019 12:35 am
Forum: Non-US Investing
Topic: SIPC coverage for Irish-domiciled ETFs
Replies: 20
Views: 1587

Re: SIPC coverage for Irish-domiciled ETFs

I have tried reaching out to SIPC which said that 2 conditions must occur to get their coverage : 1. The broker is a member of SIPC (which is true for IB). 2. The specific security must be registered under the SEC. When i asked them whether my ETFs (issued by ishares and spdr) would qualify, they r...
by typical.investor
Sun Jul 14, 2019 9:03 pm
Forum: Personal Investments
Topic: GSLC ETF available commission free through Fidelity
Replies: 9
Views: 722

Re: GSLC ETF available commission free through Fidelity

I have a 401(k) self directed brokerage through Fidelity and recently found that the ETF, GSLC - Goldman Sachs Active Beta US Large Cap Equity, has become available commission free. I am now considering adding this fund to my 401(k). My 401(k) currently consists of 3 ETFs shown below, and about 10%...
by typical.investor
Wed Jul 10, 2019 9:05 pm
Forum: Non-US Investing
Topic: US investor moving to UK; practical options
Replies: 13
Views: 1113

Re: US investor moving to UK; practical options

Try Schwab UK.

The account is operated under US laws (SIPC etc) and I believe offers access to US domiciled funds which means you can avoid PFIC rules.

Some Vanguard ETFs are UK reporting, and cost $4.95 to trade. Sorry, no mutual funds per regulation for non-US investors.
by typical.investor
Wed Jul 10, 2019 9:01 pm
Forum: Non-US Investing
Topic: UK resident, US and U.K. taxpayer, ETF investing
Replies: 18
Views: 1034

Re: UK resident, US and U.K. taxpayer, ETF investing

Again, try Schwab UK.

The account is operated under US laws (SIPC etc) and I believe offers access to US domiciled funds which means you can avoid PFIC rules.

Some Vanguard ETFs are UK reporting, and cost $4.95 to trade. Sorry, no mutual funds per regulation for non-US investors.