Search found 34224 matches

by Valuethinker
Wed May 23, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 688

Re: Financial and retirement issues associated w/ moving to Canada

Greeting fellow Bogleheads, I have a question that stems from a complete lack of understanding issues associated with moving from the US to Canada. If you are kind enough to reply, please share the most obviously issues (assume you are explaining it to a Golden Retriever). Woof, woof, bbbrrrgggg, w...
by Valuethinker
Wed May 23, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 688

Re: Financial and retirement issues associated w/ moving to Canada

It's probably worth noting that the Mutual Fund market is vastly less efficient and higher charges than its US equivalent. Vanguard is in Canada, but not on as such favourable terms, I understand. Canadians largely seem to get around this by opening a discount brokerage account, and buying ETFs. Hav...
by Valuethinker
Wed May 23, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 688

Re: Financial and retirement issues associated w/ moving to Canada

And of course, you will be paying taxes at Canadian federal, provincial and local rates. AFAIK under the Canadian Constitution there is no "local rate" of taxation as such? At least not for income tax. The power of income taxation is granted to the Fed and the Provinces (& Territories), but not bel...
by Valuethinker
Wed May 23, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 688

Re: Financial and retirement issues associated w/ moving to Canada

Hi - you need to check provincial eligibility for healthcare - you need to check with Immigration Canada (name may have changed) re whether you can immigrate and what the rules are - Canada heavily weights younger immigrants (and wishes to avoid a healthcare burden from older ones). This got easier ...
by Valuethinker
Sun May 20, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8634

Re: Solar panels

I am a huge advocate for solar but do encourage people to do their own math. Unfortunately some installers show a much more attractive payback by including an overly aggressive "inflation" rate for traditional power costs. I do not think this is good for the industry as a whole but the public is by...
by Valuethinker
Sun May 20, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Does your value fund own the wrong value stocks?
Replies: 25
Views: 2596

Re: Does your value fund own the wrong value stocks?

The following website describes the problem with using PB as a criterion for harvesting the value premium over the last 18 years during which it has underperformed its benchmark, the Russell 3000. The author suggests that PB no longer works but can be modified by substituting "Tangible Book Value" ...
by Valuethinker
Sun May 20, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8634

Re: Solar panels

I am in NH where the electric rates are high and the solar days are mid-range so a strict ROI could be 7-10 years. However, solar panels do not conform to a traditional investment in a couple of different ways. Using my situation, a 5.1K array, targeting 110% replacement of used electricity cost me...
by Valuethinker
Sat May 19, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8634

Re: Solar panels

With increase in natural gas production it's price has gone down and replaced many of the coal fired plants, reducing costs and pollution. If I understand it correctly, a sizable cost in Ca. is for decommissioning nuclear power plants. We also have some large wind farms but they do kill a substanti...
by Valuethinker
Sat May 19, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: UK expat in China, new investor, help needed, please :)
Replies: 8
Views: 580

Re: UK expat in China, new investor, help needed, please :)

Firstly, thank you for taking the time to reply and offer such good advice. It really is appreciated. valuethinker, I will tell a quick story as to why we have so much money in Russia. Then I will talk about the other points. If you want to skip the story, feel free :happy Before I married my wife ...
by Valuethinker
Fri May 18, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: UK expat in China, new investor, help needed, please :)
Replies: 8
Views: 580

Re: UK expat in China, new investor, help needed, please :)

Recently I ran into a nice problem - my UK bank accounts are almost full to the insured limit, and as a non-resident I am unable to open more. So, this got me thinking, it is time to start investing. I started reading and asking family members for advice. The more I read, the more confused I got. T...
by Valuethinker
Fri May 18, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: As a UK investor, which market should I invest in?
Replies: 2
Views: 233

Re: As a UK investor, which market should I invest in?

https://www.ishares.com/uk/individual/en/products/251881/ishares-msci-world-ucits-etf-inc-fund IWRD would be an example. However: - it has to fit your tax situation - it is distributing, not accumulating - it is priced in USD On the last point, it does not hedge into USD, it simply reports in them. ...
by Valuethinker
Fri May 18, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: As a UK investor, which market should I invest in?
Replies: 2
Views: 233

Re: As a UK investor, which market should I invest in?

I have recently read various books, blogs and forums about investing. It's all very interesting stuff. However, I am still not sure which markets I should be investing most of my money in. Right now I have plenty of money invested in low paying bonds (160,00GBP) and about 45,000GBP cash to invest r...
by Valuethinker
Fri May 18, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8634

Re: Solar panels

As for energy inflation....I would not be surprised if it was negative over the next 10-20 years. Numerous new ways of making energy cheaply have been fielded recently, and are being rapidly built out. What do you expect to happen in that case? Interesting. I have always taken the opposite view: at...
by Valuethinker
Thu May 17, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5144

Re: Buying land in central FL

There are places in Florida where at certain times of year the weather consists of insects. This! Never underestimate the power and persistence of the American mosquito! http://www.mosquito.org/page/mosquitoinfo There are over 3,000 different species of mosquitoes throughout the world; currently 17...
by Valuethinker
Thu May 17, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2392

Re: Margin debt ratio

Is there any reach about a leveraged bond fund and a leveraged stock fund? Say 60% bonds and 40% stocks, both funds leveraged 2x? Yes. For bond funds look under "Banks" You are basically taking on duration risk just like a bank. For stocks look under "Hedge Funds". HF have historically earned above...
by Valuethinker
Thu May 17, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3613

Re: Vanguard Junk Bond fund

Looking at a chart of VWEAX since 2010 when I bought it, it appears the price has gone from 3.20 to 5.76. So, looks good to me. What am I missing? Thanks. Most funds will have charts like that over that time period. What we are discussing is whether returns on this fund properly reward the risk. Th...
by Valuethinker
Thu May 17, 2018 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5144

Re: Buying land in central FL

We've been approached by a broker agency that they are selling a few pristine lots few acres in size each. They have only a dozen or so lots available. Some face water some are totally wooded. It's a first time sale of that land, meaning it was privately owned and undeveloped forever. They are pric...
by Valuethinker
Thu May 17, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3613

Re: Vanguard Junk Bond fund

Where is the risk ? It was $10 in 1979, 39 years ago and $6 in 2008. so NAV has not declined in last 10 years. Compared with the excellent dividends paid month after month the NAV since inception is negligible. Please do some homework before you post incorrect statements . Lines like that make me s...
by Valuethinker
Thu May 17, 2018 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7552

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Gold is better than silver. Gold has zero to negative correlation with stocks. Just curious, how is gold that different from silver? They're both precious metals, neither produces any real return. Why is gold so much "better" than silver? Gold is a much scarcer metal than silver and thus has much l...
by Valuethinker
Thu May 17, 2018 5:09 am
Forum: Investing - Help with Personal Investments
Topic: Mid-MBA Financial Advice
Replies: 1
Views: 385

Re: Mid-MBA Financial Advice

Hi all! I’m at the end of my first year of an MBA at a top 5 program (the program is two years, full-time). I’m working through the best way to manage my finances until I start to receive a salary again. I have a couple of questions and would appreciate any advice: 1. My financial plan involves sel...
by Valuethinker
Wed May 16, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Starting again in the U.S.A. [UK]
Replies: 4
Views: 581

Re: Starting again in the U.S.A. [UK]

I will be shortly relocating to the U.S.A. from th U.K.to live and work permanently.Due to FATCA I have had to liquidate all my investments here and will have to reinvest again once I arrive. I intend to continue with my previous VTSAX/bonds 60/40 allocation but i’m unsure wether I should drip-feed...
by Valuethinker
Wed May 16, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7552

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Gold is better than silver. Gold has zero to negative correlation with stocks. Just curious, how is gold that different from silver? They're both precious metals, neither produces any real return. Why is gold so much "better" than silver? Gold is a much scarcer metal than silver and thus has much l...
by Valuethinker
Wed May 16, 2018 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8981

Re: Yes, I'm 89 all right! [Jack Bogle]

To My Wonderful Bogleheads, Taylor and Mel both sent me the posts that so many of you kindly made on my 89th birthday. It was a thrill to read them, and I thank each one of you for remembering the date of May 8, shared by Harry S Truman, among many others. I’m beginning to age a bit, and stumbled t...
by Valuethinker
Wed May 16, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 5683

Re: Do people in the forum hold foreign bonds?

I'm in the middle of reconsidering how much of my AA is in bonds and International equities and it got me thinking about International bonds as well. I've seen a lot of people here argue for holding anywhere from the Bogle/Vanguard 20% through the market cap of ~51% for Int'l equities, so why not t...
by Valuethinker
Wed May 16, 2018 4:50 am
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 11
Views: 931

Re: NRIA.NET - Real Estate Private Placement - 16% return

This is a limited partnership real estate offering and a perfect diversification to stocks. It is also a very desirable investment for retirement accounts. https://www.dropbox.com/sh/tsn1gyuv2p5dm1s/AADb2Dmzf91KILhGwtjWAUGea?dl=0 Remember – You must be an Accredited Investor to make this investment...
by Valuethinker
Wed May 16, 2018 4:48 am
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 11
Views: 931

Re: NRIA.NET - Real Estate Private Placement - 16% return

After hearing their commercial for many years on Bloomberg I decided to call them to find out more. In a nutshell they are real estate developers, and offer 16-20% return on your investment of multiples of 50K. You're pretty much locked in for 5 years and WILL lose all your money if the market tank...
by Valuethinker
Wed May 16, 2018 4:45 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7552

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) ...
by Valuethinker
Wed May 16, 2018 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3613

Re: Vanguard Junk Bond fund

Less risk than the Vanguard S&P 500 fund, virtually no defaults in the past 10 years, duration of of only 4.4 years, a yield of 5.5%+ and a great active manager with a proven track record who buys conservatively. Totally anti- Boglehead I know but what's not to like ? Genuinely puzzled. The reason ...
by Valuethinker
Wed May 16, 2018 3:54 am
Forum: Investing - Theory, News & General
Topic: How do stock buybacks work, and how do index funds handle them?
Replies: 17
Views: 1636

Re: How do stock buybacks work, and how do index funds handle them?

But this isn't the way it works in practice. First, the company is buying back shares on the open market...share buying generally (by anyone) leads to a higher share price. Second, buying back shares means that the same amount of earnings is allocated to a smaller number of shares (EPS goes up). If...
by Valuethinker
Tue May 15, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 316
Views: 21776

Re: Lucrative careers?

People tell you to do what you love because you will be better at it and you’re interest will show to others. I’m a pretty well compensated attorney, in the upper 300s, and in my mid-40s. I wish I would have taken a different path. I enjoy the intellectual challenge, but the law wasn’t where my hea...
by Valuethinker
Tue May 15, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3613

Re: Vanguard Junk Bond fund

Less risk than the Vanguard S&P 500 fund, virtually no defaults in the past 10 years, duration of of only 4.4 years, a yield of 5.5%+ and a great active manager with a proven track record who buys conservatively. Totally anti- Boglehead I know but what's not to like ? Genuinely puzzled. The reason ...
by Valuethinker
Tue May 15, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 5683

Re: Do people in the forum hold foreign bonds?

I'm in the middle of reconsidering how much of my AA is in bonds and International equities and it got me thinking about International bonds as well. I've seen a lot of people here argue for holding anywhere from the Bogle/Vanguard 20% through the market cap of ~51% for Int'l equities, so why not t...
by Valuethinker
Mon May 14, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: US expat frustrations with Australian superannuation
Replies: 13
Views: 1905

Re: US expat frustrations with Australian superannuation

...it's a small market and costs are spread over a much smaller asset base than in the US. +1 The population of Australia is roughly the same as Southern California which kills the economy of scale for a lot of things. I am not sure I am right about this, but here's a counter thesis: Perhaps the ec...
by Valuethinker
Mon May 14, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5327

Re: Are bonds really needed - why not 100% stocks?

Get your hands on copies of the WSJ, NY Times from September 2008 to March 2010. Read them from cover to cover, then let us know why bonds are important to have in a portfolio. The technical term for this advice is "wisdom" ;-). Experience is a very good teacher. From memory, it was really the peri...
by Valuethinker
Mon May 14, 2018 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5327

Re: Are bonds really needed - why not 100% stocks?

I plan to retire in about 15 years, right about the same time my nephew will be starting college. My brother has a 529 for my nephew. In both my case and that of my nephew, the "advised" allocation is 75% stocks and 25% bonds. Given that bonds tend not to earn, and just smooth volatility, is there ...
by Valuethinker
Mon May 14, 2018 4:58 am
Forum: Investing - Theory, News & General
Topic: New inflation-protected ETF launches: iShares Inflation Hedged Corporate Bond ETF (LQDI)
Replies: 27
Views: 2195

Re: New inflation-protected ETF launches: iShares Inflation Hedged Corporate Bond ETF (LQDI)

...edit: btw there are existing mutual funds with a similar structure, owning nominal bonds and using inflation swaps, but I do think this is a first in ETFs (also a first with a reasonable expense ratio). I did a small amount of looking around before making the post, and there's JPMorgan Inflation...
by Valuethinker
Mon May 14, 2018 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Young investor portfolio advice [Europe, Croatia]
Replies: 3
Views: 392

Re: Young investor portfolio advice [Europe, Croatia]

Asset allocation I'm 20 years old, and have a long time span before any expected large expanses. Accordingly, I can withstand high risk. Excluding the emergency fund, my asset allocation would be: 80% equity (stocks) 20% fixed income (bonds) Admirable. You have not fallen for the "young so 100% equ...
by Valuethinker
Sun May 13, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: US expat frustrations with Australian superannuation
Replies: 13
Views: 1905

Re: US expat frustrations with Australian superannuation

Before going into this full-bore, you need to be aware that as a US citizen your Australian super will almost certainly be a US tax nightmare, not to mention a potential US tax sinkhole, for the entire time that you hold it. Yea I know this, the taxes are quite the pain here. I am not putting any e...
by Valuethinker
Sun May 13, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: New inflation-protected ETF launches: iShares Inflation Hedged Corporate Bond ETF (LQDI)
Replies: 27
Views: 2195

Re: New inflation-protected ETF launches: iShares Inflation Hedged Corporate Bond ETF (LQDI)

If inflation picks up, won't the swaps get more expensive? Just how far ahead do those swaps work? I looked at the 485BPOS filing and, as a layperson, couldn't see anything that talked about that. Are these swaps going to be for 30 years, 10 years, 5 years, 1 year... what? Presumably they will hold...
by Valuethinker
Sun May 13, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7843

Re: Bucket List Adventures/Activities

.... +1. I'd be interested to know people's bucket list failures - they've left it too late. I always wanted to head over the Khyber Pass from Pakistan into Afghanistan then head up north to the rest of the 'stans. Not looking good right now. Yes. Unlikely to be doable in the next 25 years. Althoug...
by Valuethinker
Sun May 13, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7843

Re: Bucket List Adventures/Activities

Interesting to see what people have on their list. For me? I don't really have a bucket list. And I thought I was the only one not into bucket lists. +1. I'd be interested to know people's bucket list failures - they've left it too late. I doubt I shall see Syria or Libya again in my lifetime. Wond...
by Valuethinker
Sun May 13, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 3876

Re: Is Whole Life Insurance Worth It?

I currently only have insurance through my company and the death benefits/payout is not very good. I am saving about 30%-40% of my income in tax-advantaged accounts and have not debt. I have a good friend in the insurance industry who has recommended looking into a whole life policy. Upon initial r...
by Valuethinker
Sat May 12, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 316
Views: 21776

Re: Lucrative careers?

OP here, just to answer some questions ppl asked: My experience is around 2 years(no ad yet) completed at a local college(no top school or anything) with a 3.5 mostly general classes (history, bio, math, etc). Math is by far my worst subject I’ve done construction for a few years and then took care...
by Valuethinker
Sat May 12, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 316
Views: 21776

Re: Lucrative careers?

I’m 26 years old planning on going back to college to finish my undergrad and I’m unsure what I want to do as a career. I thought maybe bogleheads may have some suggestions. I’d like to someday make 100k a year (who wouldn’t) Careers I’ve looked into are: -Law (I love law, I read law books for fun,...
by Valuethinker
Fri May 11, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Housing "slow down"
Replies: 8
Views: 1863

Re: Housing "slow down"

Vancouver BC? or Vancouver USA? Vancouver BC I have heard is a market for Chinese to stash money overseas. Wasn't the Chinese gov restricting currency going out of the country? Vancouver USA is a bedroom community to Portland, Or. Don't think that is a barometer for the US housing market Vancouver ...
by Valuethinker
Fri May 11, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Starting investment afresh in UK
Replies: 10
Views: 580

Re: Starting investment afresh in UK

To reiterate, the order of investing in the UK is normally (assuming you are on less than 100k GBP p.a.): - contribute to pension up to employer match (3% or 5% or 7% seem to be the most common) especially if Salary Surrender (13.8% National Insurance on top of contribution) - repay high interest no...
by Valuethinker
Fri May 11, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Starting investment afresh in UK
Replies: 10
Views: 580

Re: Starting investment afresh in UK

Some good advice from Valuethinker above. Also the UK state pension is based on national insurance contributions, with 35 years worth being required for the full amount. In some cases you can make voluntary payments retrospectively for years in which you were not in the UK. Similar to above however...
by Valuethinker
Fri May 11, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2028

Re: buying new laptops

hello there I'm shopping for a laptop computer for home and business. I would like to know do we have any new with innovated and popular recent products in the market I would like to buy. And where are the best places to go shopping, like outlets, online, Costco, Amazon, Walmart, best buy for barga...
by Valuethinker
Fri May 11, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 61
Views: 2970

Re: TIAA Real Estate

I personally do not invest in TIAA Real Estate now. I did long time ago and I observed that it moved in a way similar to the stock market during the Great Recession. So I replaced it with an equity index fund. Yes, it will be interesting to see what TREA does during the next stock market crash and/...
by Valuethinker
Thu May 10, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Review of portfolio and questions
Replies: 10
Views: 1299

Re: Review of portfolio and questions

Thanks for your answer. I never really thought of that... I wouldn't mind holding Swiss bonds but the return on this part of my portfolio would be really small compared to stock. My asset allocation is 95/5. The alternative would be find investment vehicles that are valued in CHF no? Currency of re...