Search found 34245 matches

by Valuethinker
Fri May 25, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 45
Views: 3146

Re: Buy an old farmhouse?

The wife and I are strongly considering buying an 1844 3k sqft farmhouse on 15 acres. We've been processing things for about 2 weeks now. Kinda long, but all things considered, what advice do you have? Currently, we live on a 50' by 100' lot in a 2 story 1600 sq ft, 3 bed, 2 bath home on a block fu...
by Valuethinker
Fri May 25, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy.
Replies: 27
Views: 2003

Re: Fear vs. reality. Don't worry. Be happy.

Were there pensions during ancient/medieval times for general working populace? Indexed pension is the 8th wonder of the world and seems to be more of an idea of the last few centuries??? From memory, when the US Social Security system was created, the average lifespan in retirement was expected to...
by Valuethinker
Fri May 25, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

In the US vs International threads, there are often the same arguments repeated by the "home bias is ok if it's the US" crowd. Mostly that the US economy is awesome, efficient, and stable, while other countries are risky, corrupt, unstable, and not as awesome. Also, in the past US has outperformed ...
by Valuethinker
Fri May 25, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: When did this start??
Replies: 28
Views: 1387

Re: When did this start??

I'm in the top 10% of income earners in the wealthiest country on the planet, and usually the person serving me food is working a crap job just to make ends meet and making less in tips in a day than I make in an hour. So I've always adopted the Dave Ramsey philosophy of being "Outrageously generou...
by Valuethinker
Fri May 25, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

This is a great question. Thanks for asking it! Thought I'd share this with this thread as well. Sector Weightings of VTSAX (Total US) and VTWSX (Total World) according to Morningstar: VTSAX VTWSX Basic Materials 3.19 5.88 Consumer Cyclical 12.35 12.27 Financial Services 16.72 18.42 Real Estate 3.5...
by Valuethinker
Fri May 25, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

In the US vs International threads, there are often the same arguments repeated by the "home bias is ok if it's the US" crowd. Mostly that the US economy is awesome, efficient, and stable, while other countries are risky, corrupt, unstable, and not as awesome. Also, in the past US has outperformed ...
by Valuethinker
Fri May 25, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

Pension funds are also a major factor. I suspect that in most countries government pension funds are directed to invest primarily, if not entirely, in local markets, be it stocks or RE. The big Canadian public, Defined Benefit, schemes have led the way in international investing, especially into Al...
by Valuethinker
Fri May 25, 2018 5:29 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

There's been a clear trend towards greater global diversification. Which is visible even here on Bogleheads. 25 years ago, in 1993, it would have been the rare Boglehead who held any international at all. Now the conversation seems to have largely shifted to be about how much international you shou...
by Valuethinker
Fri May 25, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

Why is 100% US ok at 51% cap but not 5%? Once an economy reaches a certain size it is internally diversified "enough". They have enough variety of industries within their borders. The US, China, Japan, and maybe the UK are the only countries that are at that point. UK most definitely not. The probl...
by Valuethinker
Fri May 25, 2018 4:56 am
Forum: Investing - Theory, News & General
Topic: Help me understand zero coupon bonds
Replies: 11
Views: 664

Re: Help me understand zero coupon bonds

This is new territory for me. Fidelity is offering zero coupon treasuries maturing in 6 months at 2.09%. My understanding is that these would be state tax exempt. Under those circumstances they seem like a great place to stash cash that you may need 6 months from now but do not need immediately. Bu...
by Valuethinker
Fri May 25, 2018 3:47 am
Forum: Personal Finance (Not Investing)
Topic: Keep or sell primary residence condo after job move?
Replies: 10
Views: 445

Re: Keep or sell primary residence condo after job move?

Hi everyone, I live in a HCOL area in SoCal. Unhappy with my current job, I've decided to look for jobs outside our city and state. We live in a condo we purchased in 2016, with $415k mortgage @ 3.625% left: $3200 total monthly payments when HOA/taxes/PMI/insurance are factored in. Question: If I a...
by Valuethinker
Fri May 25, 2018 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 14
Views: 1091

Re: Tile roof, natural cooling, solar electric

I also double-checked our bills for the year. It's not quite as low as $100/month. The electrical portion averages about $130, with a one month high of 200 in December. My wife really likes her Christmas lights, and I really like my wife. If you replace all your Christmas lights with LED strings, t...
by Valuethinker
Fri May 25, 2018 3:22 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

There's also currency risk. Having 95% of your investments in different currencies from your own minor currency could be at least psychologically tricky. 1. you can hedge your currency exposure - there are even equity funds which do so 2. your labour income and your home equity are in your home cur...
by Valuethinker
Fri May 25, 2018 3:14 am
Forum: Investing - Theory, News & General
Topic: If the US market cap was 5% instead of 52%, would the US vs International conversation change?
Replies: 21
Views: 832

Re: If the US market cap was 5% instead of 52%, would the US vs International conversation change?

In the US vs International threads, there are often the same arguments repeated by the "home bias is ok if it's the US" crowd. Mostly that the US economy is awesome, efficient, and stable, while other countries are risky, corrupt, unstable, and not as awesome. Also, in the past US has outperformed ...
by Valuethinker
Thu May 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Solar Power in Austin, TX
Replies: 5
Views: 369

Re: Solar Power in Austin, TX

I am in Austin TX, having 8.75KW solar panels. 1-Varies bu utility. AE pays for your solar energy (close to 10c/KW), but you still pay for your regular usage. IMO this is better than net metering. My bill has been $0 since for last several years. 2-Multiple providers, AE, Pedernales ... Check Austi...
by Valuethinker
Thu May 24, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1105

Re: Buying Crypto tokens in private sale prior to ICO

My DW works as a freelancer for a small financial company who is planning for initial coin offering (ICO) for their version of cryptocurrency. The company is offering her access to their private sale of crypto tokens prior to their anticipated ICO. The token price in private sale seems to be highly...
by Valuethinker
Thu May 24, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3428

Re: TIAA Real Estate

There was certainly a lot of doom-and-gloom over at Mornginstar, and people seemingly bailing out right and left starting last year, so it will be interesting to see how things turn out going forward. I was one of the partial bailers, moving a part of my accumulation mode TREA into restricted Trad ...
by Valuethinker
Thu May 24, 2018 4:30 am
Forum: Investing - Help with Personal Investments
Topic: As a UK investor, which market should I invest in?
Replies: 5
Views: 430

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

https://www.vanguard.co.uk/adviser/adv/ ... docId=1011

Looks like VWRL has a UK listing i.e. in GBP. Thus, presumably you could set your account to buy/ sell in GBP.
by Valuethinker
Thu May 24, 2018 4:00 am
Forum: Investing - Help with Personal Investments
Topic: As a UK investor, which market should I invest in?
Replies: 5
Views: 430

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

Hi Valuethinker, thanks for your suggestions! I definitely like the idea of tracking the world index. To me, this seems to cover all bases. When I click on the link provided it asks me if I am a UK investor. I assume this means that I must be UK resident? If this is the case, then I am unable to bu...
by Valuethinker
Thu May 24, 2018 3:57 am
Forum: Investing - Help with Personal Investments
Topic: UK expat in China, new investor, help needed, please :)
Replies: 13
Views: 792

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

Tedswippet, sorry for the late reply. I have looked into several etfs and to keep it simple, I would ideally like one fund that follows the world market. I am not really sure how this affects the taxation situation though, as obviously one world fund has stocks from multiple countries with multiple...
by Valuethinker
Thu May 24, 2018 3:45 am
Forum: Investing - Help with Personal Investments
Topic: UK expat in China, new investor, help needed, please :)
Replies: 13
Views: 792

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

My father worked outside the UK for over 30 years, and retired outside the UK. He still paid into National Insurance. Had he retired in the UK (or the USA, or the EU, but not Australia nor Canada) he would have then qualified for the full state pension. That's worth having because it is currently m...
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: 800

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: 800

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: 800

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: 800

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: 8707

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: 2674

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: 8707

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: 8707

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: 13
Views: 792

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: 13
Views: 792

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: 5
Views: 430

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: 5
Views: 430

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: 8707

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: 5158

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: 2406

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: 3637

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: 5158

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: 3637

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: 7570

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: 386

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: 583

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: 7570

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: 9013

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: 5708

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: 933

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: 933

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: 7570

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: 3637

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: 1651

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...