Search found 193 matches

by bubbasour
Mon Oct 19, 2020 7:28 am
Forum: Non-US Investing
Topic: How to NOT time the market
Replies: 21
Views: 2757

Re: How to NOT time the market

Hi Dulac, I'm not sure exactly what your time horizon and when you may need the monies, but DCA generally helps you more physiologically to manage some risk than anything else I believe. Vanguard has several articles that discusses the topic. https://investor.vanguard.com/investing/online-trading/in...
by bubbasour
Sat Oct 10, 2020 5:45 am
Forum: Non-US Investing
Topic: VUSD (Dist) vs. VUAA (Acc)
Replies: 5
Views: 911

Re: VUSD (Dist) vs. VUAA (Acc)

Thanks a lot TedSwippet and oogZoo, really appreciate the guidance provided and resources shared!
by bubbasour
Sat Oct 10, 2020 5:34 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 301
Views: 74012

Re: Interactive Brokers (Best Kept Secret)

https://www.bloomberg.com/news/articles/2020-10-09/robinhood-users-had-accounts-looted-say-there-s-no-one-to-call?sref=r9jr5kud Title: Robinhood Users Say Accounts Were Looted, No One to Call Brokerage says systems not breached, criminals targeted emails The SEC has reached out to customers in resp...
by bubbasour
Thu Oct 08, 2020 12:23 am
Forum: Non-US Investing
Topic: VUSD (Dist) vs. VUAA (Acc)
Replies: 5
Views: 911

Re: VUSD (Dist) vs. VUAA (Acc)

Have a look at our wiki page Comparison_of_accumulating_ETFs_and_distributing_ETFs Thanks BeBH65, had a look at the resource you've shared and it was quite helpful and detailed! I also found this thread https://www.bogleheads.org/forum/viewtopic.php?t=281781. I understand that at the end of the day...
by bubbasour
Wed Oct 07, 2020 6:49 am
Forum: Non-US Investing
Topic: VUSD (Dist) vs. VUAA (Acc)
Replies: 5
Views: 911

VUSD (Dist) vs. VUAA (Acc)

Hi, I'm a long term fan of VUSD (S&P500, LSE, Dist) which is the only ETF I'm investing in monthly. I noticed that now there's a recent fund VUAA which seems to be the equivalent but with Accumulating dividends. VUSD = https://americas.vanguard.com/institutional/mvc/detail/etf/overview?portId=9503&a...
by bubbasour
Sun Sep 06, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Sibling loan to a responsible brother
Replies: 16
Views: 1637

Re: Sibling loan to a responsible brother

If I were you and I had done really well financially, then I would consider to give them a small "token of appreciation" for the lovely family bonds or "a gift" for their next chapter helping them in that journey. I wouldn't go down the path of loan at all as loans can possibly turn relationships so...
by bubbasour
Sat Sep 05, 2020 5:54 am
Forum: Non-US Investing
Topic: USD currency risk as a non-US investor
Replies: 49
Views: 3180

Re: USD currency risk as a non-US investor

Hi, I'm a Swede with income in SGD, and somewhat in the same boat. I'm been thinking about this, and I believe there's not really a right or wrong or at at least I haven't been able to get a definite answer to "what best for me". So what I have done is, - I have decided to trust the USD even thou I'...
by bubbasour
Fri Sep 04, 2020 8:24 pm
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 4269

Re: How will you describe your investing journey so far?

I'm very grateful of the work the author put in Layman's Guide to Investing in S&P 500 , this forum and all the guidance I've received! Jack Bogle and the investment philosophy mentioned here from which I created my own investment plan. Scars from the field, - Minimize brokerage fees and costs from ...
by bubbasour
Mon Aug 24, 2020 3:13 am
Forum: Non-US Investing
Topic: Rebalancing my portfolio seeking advice
Replies: 4
Views: 553

Re: Rebalancing my portfolio seeking advice

Would appreciate if someone more can please share their thoughts?
by bubbasour
Sun Aug 23, 2020 6:58 am
Forum: Non-US Investing
Topic: Rebalancing my portfolio seeking advice
Replies: 4
Views: 553

Re: Rebalancing my portfolio seeking advice

My investment horizon is 5-20 years, (eventually for retirement), I'm 37, Swedish citizen. Sole breadwinner for now feeding a family of 5. We try to watch our spend without going to any extremes. Most of the time we eat at home. Portfolio is approximately 140x monthly expenses, somewhat more, but I'...
by bubbasour
Sun Aug 23, 2020 6:37 am
Forum: Non-US Investing
Topic: Rebalancing my portfolio seeking advice
Replies: 4
Views: 553

Re: Rebalancing my portfolio seeking advice

1) Your risk is very personal. It depends on your composure, the stability of your income, your spouses' income, the size of your portfolio vs your monthly spending, and so on. I don't think it can be answered without such information. 2) In general we ignore currency risk on the equity side of inv...
by bubbasour
Sun Aug 23, 2020 6:23 am
Forum: Non-US Investing
Topic: Rebalancing my portfolio seeking advice
Replies: 4
Views: 553

Rebalancing my portfolio seeking advice

Dear experts, I would appreciate some guidance. My investment horizon is 5-20 years, (eventually for retirement), I'm 37, Swedish citizen. Sole breadwinner for now feeding a family of 5. We try to watch our spend without going to any extremes. Most of the time we eat at home. Portfolio is approximat...
by bubbasour
Sun Aug 23, 2020 4:43 am
Forum: Non-US Investing
Topic: Moving from Degiro to IB
Replies: 1
Views: 484

Re: Moving from Degiro to IB

Hi Petrograd, I've not been with Degiro. However, I've migrated from other brokerages such as Schwab and Saxo to IB. IB doesn't charge for inward position transfers from what I can recall. I would also suggest you transfer as the positions so that you know what you will get on the other end. Another...
by bubbasour
Sun Aug 23, 2020 4:19 am
Forum: Non-US Investing
Topic: NikkoAM ABF, A35.SI instead of Fixed Deposits Singapore
Replies: 2
Views: 300

NikkoAM ABF, A35.SI instead of Fixed Deposits Singapore

Would appreciate any guidance for this SGD investment decision, right now new fixed deposit yields are very low ~1% and similar at DBS and less at CIMB. I was wondering whether ABF (and here the Chart ) would be a wise choice for low-risk investment, my time horizon is long-term 2-10y, and I wanted ...
by bubbasour
Sun May 03, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Hi all, I wanted to revive this thread with some more details, the idea is not to create a flame war or anything but I thought of sharing my take at the Melitta Pour-Over and AP now that I've got both!! As I believe I mentioned earlier, we were grown up with brewed coffee back home.. and as UpperNwG...
by bubbasour
Sat May 02, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4983

Re: Front load washing machine recommendations

I would consider either Electrolux or Bosch and go with the simplest model without too much digital displays and other capabilities that may go wrong.
by bubbasour
Fri May 01, 2020 7:21 pm
Forum: Non-US Investing
Topic: Broker similar to IBKR
Replies: 18
Views: 1551

Re: Broker similar to IBKR

All/most my trade is Ireland Domiciled ETFs, and while having a Schwab account, the problem with them is that last time I checked they only trade in the US. I was checking out Schwab and I almost concluded the same as you, that you cannot place orders directly in foreign stocks exchanges, but diggi...
by bubbasour
Thu Apr 23, 2020 8:48 am
Forum: Non-US Investing
Topic: VUSD vs VWRD [Vanguard S&P 500 vs. FTSE All World] [Hong Kong]
Replies: 10
Views: 869

Re: VUSD vs VWRD [Vanguard S&P 500 vs. FTSE All World] [Hong Kong]

Hi hhl, welcome to the forum. I would invest in VUSD. The majority of VWRD is US stock. The TER for VWRD is higher as you pointed out. I've got both, but they move very much in tandem. If you want to global diversification then maybe VWRD (VT) is a better choice. Personally, I have faith in the US e...
by bubbasour
Wed Apr 22, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

When I make pour over, I used a coarser ground and I think that flows more slowly than a fine ground, but perhaps test it. Rather than have the shop grind the coffee, get yourself a grinder. You can start with an inexpensive electric grinder (usually ~$10) just to be able to test the coarseness of ...
by bubbasour
Wed Apr 22, 2020 4:55 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

I received my Melitta Pour Over today and have tried two cups of SB French Roast. It seems to me the water flows through way too quickly and the coffee does not feel black or thick. I asked SB to grind the beans to Medium-Fine (it was setting 11 on their machine between medium and fine). This may be...
by bubbasour
Sun Apr 19, 2020 12:44 am
Forum: Personal Consumer Issues
Topic: reliable thermometer? (for human, not oven, etc.)
Replies: 41
Views: 2601

Re: reliable thermometer? (for human, not oven, etc.)

Hi, I use both an IR one that can be put against the forehead and or measure other material surfaces, and an in-ear. The first one looks like this https://www.tomtop.com/p-s4323.html and second one https://www.tecobuy.com/en_SG/braun-irt6520-thermoscan-7-ear-thermometer-3.html The reason for having ...
by bubbasour
Sat Apr 18, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 9523

Re: Should I buy a new rice cooker from Zojirushi?

Brown rice needs a little more water. Try that first. I have the model you are thinking about getting, but I wish I had the first model you already have. All I use it for is to cook rice, so a lot of the extra features go unused. And the first model looks way easier to clean and takes up less count...
by bubbasour
Sat Apr 18, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 9523

Re: Should I buy a new rice cooker from Zojirushi?

Yes. I cook brown rice in mine often. It does it right every time. The brown rice cycle is about 100 minutes but the timer works well to get the rice done at a specific time. Wow, that's a long time for me to go hungry. :? My current Zojirushi rice cooker (the very simple one with on button only) t...
by bubbasour
Sat Apr 18, 2020 2:46 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 93
Views: 9523

Should I buy a new rice cooker from Zojirushi?

Hi, We eat brown rice almost daily and currently the rice cooker used is rather simple : https://www.amazon.com/Zojirushi-NHS-18-10-Cup-Uncooked-Cooker/dp/B00004S576/. However, I wanted to explore whether it's worth buying a https://www.amazon.com/Zojirushi-NS-TSC18-Micom-Cooker-Warmer/dp/B0074CDG6C...
by bubbasour
Fri Apr 17, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Maybe you can cancel your order and pick one up from Target? https://www.target.com/s?searchTerm=aeropress&category=5xtrq&categoryName=Coffee%2C+Tea+%26+Espresso&tref=typeahead%7Cterm%7C0%7Caeropress%7Ccategory%7C0%7C5xtrq%7Cservice&searchRawTerm=aeropr After two failed orders, I came to realize th...
by bubbasour
Wed Apr 15, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

After sending emails to aeropress asking for an status update they eventually replied weeks later with "As a result of the coronavirus pandemic, the local government in our area issued a shelter in place order that has effectively closed down our office and warehouse operations." Furthermore they me...
by bubbasour
Wed Apr 15, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9609

Re: Mesh Wifi

hi, I use 3x Google Wifi, works very well and has good controls too. Worth it.
by bubbasour
Mon Apr 13, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Absolutely give it a try. That's a part of the enjoyment of exploring different coffees. If you can find a local roaster you will have access to coffee that hasn't been sitting in warehouses for months. I drink my coffee black so that I can actually taste the coffee so mine is roasted to what might...
by bubbasour
Sun Apr 12, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Quality matters at every step and in every component of the process. How much that matters depends on you. Water quality is huge as it is the largest component in the cup. I buy inexpensive spring water rather than use city water. I also roast my own coffee because I really like fresh coffee roaste...
by bubbasour
Sun Apr 12, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

The French Roast is likely worth a try for your pour over. At Starbucks in the U.S., you can order a pour over to be made for you on site. Can you do that in Singapore before investing in the equipment? Although it's always nice to have a funnel available for a pour over for use in a pinch. Also, h...
by bubbasour
Sun Apr 12, 2020 6:37 pm
Forum: Non-US Investing
Topic: First portfolio
Replies: 11
Views: 751

Re: First portfolio

Hi schweizer, welcome to the forum. I do not have much to add to what's already been said by Ted and others, since I live in Singapore I wanted to share my strategy too. 1. VUSD. 2. VWRD. 3. FI (Gov bonds, t-bills etc, as a guideline use your (age+10)pct. This is stabilizing your portfolio and let y...
by bubbasour
Sun Apr 12, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

https://perkcoffee.co/sg/product/clever-dripper/ https://www.hookcoffee.com.sg/catalogue/clever-dripper_4414/ Probably more. In general, any fancy coffee shop will be able to point you to where to buy things. If they don't officially sell the equipment (often they do, since just selling coffee rare...
by bubbasour
Sun Apr 12, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

A follow up question, Does anyone know whether Starbucks House blend (medium fine grind) goes well with Melitta Pour Over? I generally like stronger taste, would appreciate any pointers for making good tasting coffee with the pour over. thanks! If you like stronger taste, I would select a dark roas...
by bubbasour
Sun Apr 12, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Did you just throw the names out there, or do you know whether Melitta Pour Over is actually available in any of those stores? Happy to cancel my amazon Pour Over order which seem to take another week at least to be delivered. Answering my own question.. https://www.yahava.sg/shop/markets/ Neither ...
by bubbasour
Sun Apr 12, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

It would be wishful to be able to buy one of these off the shelf, but not in Singapore. You can definitely buy them off the shelf in Singapore. Asking in a grocery store and then giving up doesn't prove anything. Look at Yahava Koffeeworks, TANGS, ToTT, Pacamara, Carousell, Common Man Coffee Roaste...
by bubbasour
Sat Apr 11, 2020 6:09 am
Forum: Personal Investments
Topic: Dividend ETF
Replies: 10
Views: 777

Re: Dividend ETF

I was thinking of doing the same thing, but learnt in this forum that you should always look for total return, which made a "dividend specific" ETF pointless. Both appreciation and distribution counts.
by bubbasour
Sat Apr 11, 2020 5:56 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Silk McCue wrote: Sat Apr 11, 2020 5:47 am Odd that you didn’t mention that you are in Singapore. Did you think that wouldn’t have any impact on the answers we provided?
I'm not sure whether adding singapore would have made any difference, but I've added that to my original post, thx for the heads up!
by bubbasour
Sat Apr 11, 2020 5:23 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

A follow up question,

Does anyone know whether Starbucks House blend (medium fine grind) goes well with Melitta Pour Over?

I generally like stronger taste, would appreciate any pointers for making good tasting coffee with the pour over. thanks!
by bubbasour
Sat Apr 11, 2020 1:30 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Maybe you can cancel your order and pick one up from Target? https://www.target.com/s?searchTerm=aeropress&category=5xtrq&categoryName=Coffee%2C+Tea+%26+Espresso&tref=typeahead%7Cterm%7C0%7Caeropress%7Ccategory%7C0%7C5xtrq%7Cservice&searchRawTerm=aeropr Thx Frank for sharing the link. I was hoping ...
by bubbasour
Sat Apr 11, 2020 1:28 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Re: Aeropress coffee machine stuck in shipping

Go to a physical store and buy an inexpensive Melitta pour-over set-up and use that as your interim coffee machinery until the Aeropress arrives. You can then put it in the closet to use as a backup when the Aeropress breaks. Thx UpperNwGuy, I really liked this idea and placed an order from Amazon ...
by bubbasour
Fri Apr 10, 2020 5:45 am
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2540

Aeropress coffee machine stuck in shipping

Hi, My nespresso machine broke and after reading decent reviews I decided to give Aeropress a fair chance. I've placed my order, and emailed them twice, and tried to call in too, but their shipments seem halted? Their customer service seem to be closed, and now they've closed their web shop too. Do ...
by bubbasour
Fri Mar 27, 2020 9:26 am
Forum: Personal Investments
Topic: IB Order is being held and monitored
Replies: 0
Views: 232

IB Order is being held and monitored

Hi, I seek some guidance, today when I tried to place VUSD@LSE order twice, both times resulted in Blue tag with label 'Order is being held and monitored'. Can anyone share what may have caused this? I couldn't see any public holidays in the UK and I believe LSE is operating as usual. Contacting IB ...
by bubbasour
Thu Jan 02, 2020 9:22 am
Forum: Non-US Investing
Topic: Interactive Brokers US vs EU
Replies: 19
Views: 2296

Re: Interactive Brokers US vs EU

Being mindful they will charge you a percentage fee "custody fee" of 0.12%, I would think twice before signing up on Saxo Yes but the custody fee is because they protect the investments with CitiBank in case they went bankrupt so you are protected. What happens to your investment if IB went bankrup...
by bubbasour
Tue Dec 31, 2019 10:07 am
Forum: Non-US Investing
Topic: Interactive Brokers US vs EU
Replies: 19
Views: 2296

Re: Interactive Brokers US vs EU

michoco911 wrote: Mon Dec 30, 2019 5:24 am The idea is to split investments with 2 brokers (IB and Saxo) for risk diversification as well.
Being mindful they will charge you a percentage fee "custody fee" of 0.12%, I would think twice before signing up on Saxo. :idea:
by bubbasour
Mon Dec 30, 2019 8:37 am
Forum: Non-US Investing
Topic: IB Payout of ETF dividends delayed?
Replies: 7
Views: 588

Re: IB Payout of ETF dividends delayed?

Update: While I got a support ticket with IB created to better understand why the funds weren't credited on the payable date Dec 27, I can today see the funds been credited on the account. I suspect that since both VUSD and VWRD are Ireland domiciled an traded on LSE, maybe the first bank day post t...
by bubbasour
Sat Dec 28, 2019 7:28 am
Forum: Non-US Investing
Topic: IB Payout of ETF dividends delayed?
Replies: 7
Views: 588

Re: IB Payout of ETF dividends delayed?

Some of my ETFs have Payable Date Dec 27. However, I can still not see the credit to my IB account. Will IB delay the payouts to next bank day or how does this work? I receive all of my distributions on the day they are payable at IB. When you run a multi-day report what does it say for your divide...
by bubbasour
Sat Dec 28, 2019 6:21 am
Forum: Non-US Investing
Topic: IB Payout of ETF dividends delayed?
Replies: 7
Views: 588

Re: IB Payout of ETF dividends delayed?

thx livesoft, I reposted there!
by bubbasour
Sat Dec 28, 2019 6:21 am
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 89
Views: 21980

Re: Case Study: Broker speed of dividend payments

Hi reposting here, Some of my ETFs on IB have Payable Date Dec 27. However, I can still not see the credit to my IB account. Will IB delay the payouts to next bank day or how does this work? Appreciate any pointers. I have a cash account, and dividends are paid out in cash, no reinvestment action et...
by bubbasour
Sat Dec 28, 2019 6:10 am
Forum: Non-US Investing
Topic: IB Payout of ETF dividends delayed?
Replies: 7
Views: 588

IB Payout of ETF dividends delayed?

Hi,

Some of my ETFs have Payable Date Dec 27. However, I can still not see the credit to my IB account. Will IB delay the payouts to next bank day or how does this work? Appreciate any pointers. thx bubba

Distribution scheme https://api.vanguard.com/rs/gre/gls/1.3 ... s/11632/gb
by bubbasour
Sun Dec 01, 2019 2:50 am
Forum: Non-US Investing
Topic: How to preserve SGD in Singapore
Replies: 6
Views: 779

Re: How to preserve SGD in Singapore

Replying to my own thread, but I've found A35 https://www.nikkoam.com.sg/files/documents/funds/fact_sheet/abf2_fs.pdf also quite useful. It's holding mainly various SG Gov bonds. Somewhat high TER 0.25%, but I guess that's the price that you've got to pay. Will need to check if this one can be bough...