Search found 34902 matches

by Valuethinker
Tue Aug 21, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Determining ESG’s Nature
Replies: 10
Views: 521

Re: Larry Swedroe: Determining ESG’s Nature

I think the work reported by the article being reviewed was motivated to evaluate the claim that, because good corporate governance is a part of ESG, ESG is a type of quality measure that would be a factor driving higher return. The article appears to suggest that the "sin" stocks would be the ones...
by Valuethinker
Tue Aug 21, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to protect against inflation?
Replies: 15
Views: 954

Re: How to protect against inflation?

I've always wondered how to protect against inflation in the long term as well. I found this article that laid out most of the options. I actually first read it when it was written, about 2015-2016. The options are still good, although some of the context is dated (the Fed isn't keeping interest ra...
by Valuethinker
Tue Aug 21, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund
Replies: 4
Views: 290

Re: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund

Interesting relationship. And the average is: (US nominal GDP + 10-year Bund Yield) / 2. That's it. Not sure what Bogleheads think of ZeroHedge but this was the only site I could find discussing the theory. (I heard it on a podcast). https://www.zerohedge.com/news/2018-03-14/gundlach-reveals-his-re...
by Valuethinker
Tue Aug 21, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund
Replies: 4
Views: 290

Re: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund

There are dozens of these formulas, some of them may be accurate for short periods of time. https://snbchf.com/monetary-fiscal-policy/inflation-expectations-gdp-growth-bond-yield/ If I go back to my Econ course from 40 years ago the Prof said the 10-year rate should be inflation expectations plus r...
by Valuethinker
Tue Aug 21, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 389

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

G) My main worry remains that in 15-20 years I may need my money (slowly) back in CHF and I'm not sure how big the hit (positive or negative) of the exchange rate will be, if most of my ETF investments have a different underlying currency. Is it something I can forget about over a long period of ti...
by Valuethinker
Tue Aug 21, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 636
Views: 38623

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I can see Vanguard heading for a world of pain from angry investors some day if Intl. doesn't "revert to the mean" in a few years. And a world of pain from angry US investors if it does? ;-) Seriously, the intellectual case made, about reductions in overall portfolio volatility/ higher returns, is ...
by Valuethinker
Tue Aug 21, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: How to protect against inflation?
Replies: 15
Views: 954

Re: How to protect against inflation?

I've always wondered how to protect against inflation in the long term as well. I found this article that laid out most of the options. I actually first read it when it was written, about 2015-2016. The options are still good, although some of the context is dated (the Fed isn't keeping interest ra...
by Valuethinker
Tue Aug 21, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Determining ESG’s Nature
Replies: 10
Views: 521

Re: Larry Swedroe: Determining ESG’s Nature

I think the work reported by the article being reviewed was motivated to evaluate the claim that, because good corporate governance is a part of ESG, ESG is a type of quality measure that would be a factor driving higher return. There is quite a bit of evidence to support that. Of course a tobacco ...
by Valuethinker
Tue Aug 21, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Determining ESG’s Nature
Replies: 10
Views: 521

Re: Larry Swedroe: Determining ESG’s Nature

[killed it. This argument is pointless in that it simply lets people state their positions, there's no persuading or informing going on]
by Valuethinker
Tue Aug 21, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 4672

Re: Bullish/bearish on GE? Make your case here - new lows today

And they've been trying to dump their light bulb business for years, with no takers so far. Good point... Does anybody even buy GE light bulbs anymore? I've always been partial to Phillips ;) I recently made the whole house switch to LED bulbs and bought cheap Walmart brand bulbs for just under $2 ...
by Valuethinker
Tue Aug 21, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 36
Views: 1581

Re: Military career/college options (engineering - nukes?)

3) For a nuke engineer, I assume there's a lot of navy interest, and some by the branch that runs our ICBMs, etc. Is the latter the Air Force? Army? Whereas, if he were a civil or mechanical engineer, just about any branch might be interested? (I don't have a US or Royal Navy background -- what I d...
by Valuethinker
Tue Aug 21, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 389

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

2) In Switzerland, would it make sense to adopt the ETF portfolios recommended in the US (and buying them in USD), or do I need to protect myself against currency fluctuations (I earn in CHF)? For example, a 3-fund portfolio I often saw recommended is: – VTI – Vanguard Total Stock Market ETF (55-60...
by Valuethinker
Tue Aug 21, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 389

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

typical.investor wrote:
Mon Aug 20, 2018 11:36 pm


Anyway, you need US domiciled funds (traded on US exchanges) for US tax reasons, so probably have to buy in USD.
Why do you conclude that?

Poster is *not* a US citizen. Why would he/ she want US domiciled funds?
by Valuethinker
Tue Aug 21, 2018 5:52 am
Forum: Investing - Help with Personal Investments
Topic: The 1 portfolio
Replies: 21
Views: 2478

Re: The 1 portfolio

Introduction Hello fellow bogleheads. I am a 28 years old European. I have always been a frugal guy by nature and my hobbies are cheap. At the beginning of 2017 I became interested in investing because I realized that in the long term the safest way to lose money is to not invest at all. I quickly ...
by Valuethinker
Tue Aug 21, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: The 1 portfolio
Replies: 21
Views: 2478

Re: The 1 portfolio

hi there, if you are an EU citizen the most important starting point will be your tax situation, you should check that out first. Here are my suggestions for simple portfolios for an EU citizen domiciled in an European country, all UCITS and Ireland domiciled. (This will not work for a tax resident...
by Valuethinker
Tue Aug 21, 2018 5:16 am
Forum: Investing - Help with Personal Investments
Topic: What should I do with my pension lump sum?
Replies: 11
Views: 1045

Re: What should I do with my pension lump sum?

Hello, I am new to Bogleheads. Apologies if my query is incomplete. I have a pension lumpsum in the amount of $480K coming to me next month. I can take the money now, or defer for two years, at which time I will receive $530k. I need to know when I should take it, and whether I should put it into b...
by Valuethinker
Tue Aug 21, 2018 5:15 am
Forum: Investing - Help with Personal Investments
Topic: What should I do with my pension lump sum?
Replies: 11
Views: 1045

Re: What should I do with my pension lump sum?

Tyler Aspect wrote:
Tue Aug 21, 2018 12:47 am
Take the two year deferment since that is entirely without risks.
Is it?

What if the employer goes broke or the pension fund falls under the PBGC in the meantime?

Why is the difference so large -- seems a high return for 2 years?
by Valuethinker
Tue Aug 21, 2018 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on limited TIAA fund choices!
Replies: 23
Views: 858

Re: Need advice on limited TIAA fund choices!

It is was I was thinking. Nice to hear someone else is doing similar. Yeah, I transferred the portion of my inactive TIAA 403(b) account that I had in stocks to my current federal retirement fund to save on ERs--TIAA just isn't competitive there. I left behind enough in TIAA traditional for it to b...
by Valuethinker
Tue Aug 21, 2018 3:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard UK ownership
Replies: 3
Views: 293

Re: Vanguard UK ownership

The safety of any assets are the same as just about any large well run mutual fund company. Even if a firm were to go under the assets within the fund are held at a third party custodian ("depository" in the UK?) and should not be affected. The custodian for Vanguard UK is State Street. Even when L...
by Valuethinker
Tue Aug 21, 2018 3:39 am
Forum: Investing - Theory, News & General
Topic: What has been the best returning major asset class since 2000?
Replies: 12
Views: 1356

Re: What has been the best returning major asset class since 2000?

CULater wrote:
Mon Aug 20, 2018 3:39 pm


Now, please excuse me while I jump into my time machine and go back to 2000.
That story is quite famous. The headline on the paper next day's paper is "mysterious time traveler dies".
by Valuethinker
Tue Aug 21, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: What has been the best returning major asset class since 2000?
Replies: 12
Views: 1356

Re: What has been the best returning major asset class since 2000?

Amazon ain't bad... Indeed. 16.4% annualized. Not too shabby. Notably knowing that it started by falling 80% in 2000, then 30% in 2001... Better set the time machine on Jan 2002 in this case! :greedy After all Nortel, Nokia, Lucent, Cisco, HP all did about as well in that time. RIM (Blackberry) was...
by Valuethinker
Tue Aug 21, 2018 3:17 am
Forum: Investing - Help with Personal Investments
Topic: Please look at my portfolio and give me advice [Norway]
Replies: 16
Views: 1068

Re: Please look at my portfolio and give me advice [Norway]

But you cannot ascertain that looking forward. It's just as likely to underperform, because it has done so well. My point was not that it will do that going forward. My point was that having virtually none in your home country provides its own risk. But why? If I lived in Canada, being overweight C...
by Valuethinker
Mon Aug 20, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 10
Views: 1671

Re: Bay Area housing frenzy cooling

We have been in the market for a house this summer and all agents are saying the market is seeing fewer people seeing homes, fewer offers coming in per house, and slight more inventory, and yet expected sale prices are still the same. My theory is that buyers haven’t wisened up yet to what’s going ...
by Valuethinker
Mon Aug 20, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 10
Views: 1671

Re: Bay Area housing frenzy cooling

We have been in the market for a house this summer and all agents are saying the market is seeing fewer people seeing homes, fewer offers coming in per house, and slight more inventory, and yet expected sale prices are still the same. My theory is that buyers haven’t wisened up yet to what’s going ...
by Valuethinker
Mon Aug 20, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 10
Views: 1671

Re: Bay Area housing frenzy cooling

This is not just a Bay Area phenomenon. Lots of markets are cooling off significantly. Seattle for example is cooling off rather abrubtly. See the Redfin CEO's take . Lots of hypothesis as to why, but will be interesting to watch as to whether this is an overdue correction in a few overheated marke...
by Valuethinker
Mon Aug 20, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 36
Views: 1581

Re: Military career/college options (engineering - nukes?)

3) For a nuke engineer, I assume there's a lot of navy interest, and some by the branch that runs our ICBMs, etc. Is the latter the Air Force? Army? Whereas, if he were a civil or mechanical engineer, just about any branch might be interested? (I don't have a US or Royal Navy background -- what I d...
by Valuethinker
Mon Aug 20, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 636
Views: 38623

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I respect your opinions, Valuethinker, but when I take them case by case I'm just not finding these to be particularly good reasons - a slight ER difference, reduced (not increased) volatility, and, as you say, the weakest of the bunch is historical performance. Because of the currency volatility I...
by Valuethinker
Mon Aug 20, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 636
Views: 38623

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

US dollar strengthening further decease the Int'l fund performance. Fed raise rate and tight balance sheet further accelerate USD back from EM back to US. EM and Europe, Turkey , China all have debt problem. Int'l fund return is "-" so fat this year. May be a good time to rebalance in. Tolstoy (par...
by Valuethinker
Mon Aug 20, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Expanding portfolio, real estate vs REITs, vs crowdfunding
Replies: 19
Views: 1039

Re: Expanding portfolio, real estate vs REITs, vs crowdfunding

All great replies. When I say aggressive, I mean 100% stocks (indexes) in the portion of my portfolio which is not "guarenteed". This is planned, to crossover to a more balanced mix as I get older. I've read a lot of those books you have mentioned. I adhere to a lot of those principles. However, I ...
by Valuethinker
Mon Aug 20, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Please look at my portfolio and give me advice [Norway]
Replies: 16
Views: 1068

Re: Please look at my portfolio and give me advice [Norway]

I'm not quite sure what your point is. Sure, there's a chance my little stock market outpaces the global stock market over the time period I care about---the US outpaced the global stock return in the 20th century and Sweden outpaced the US---but there's at least an equal chance that my little home...
by Valuethinker
Mon Aug 20, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 8453

Re: Emerging Markets in Bear Territory

Since the mid 2000's, in China, you have a leader who made himself leader for life, in Russia, Putin has invaded Ukraine & made himself leader for life & the same for Turkey (leader for life). All the trends are moving in the wrong directions in those countries. As these leaders gain power, the sit...
by Valuethinker
Mon Aug 20, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Help for an expat New Zealander newbie please :)
Replies: 1
Views: 129

Re: Help for an expat New Zealander newbie please :)

Hello everyone, I've read all three of Andrew Hallam's books, two of John Bogle's books, The Boglehead's Guide to Investing and The Four Pillars on Investing. Needless to say, I'm sold on this idea of passive investing :-) However, I'm a very slow learner and have yet to get my head around how I sh...
by Valuethinker
Mon Aug 20, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 636
Views: 38623

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I respect your opinions, Valuethinker, but when I take them case by case I'm just not finding these to be particularly good reasons - a slight ER difference, reduced (not increased) volatility, and, as you say, the weakest of the bunch is historical performance. Because of the currency volatility I...
by Valuethinker
Mon Aug 20, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Expanding portfolio, real estate vs REITs, vs crowdfunding
Replies: 19
Views: 1039

Re: Expanding portfolio, real estate vs REITs, vs crowdfunding

Yes, I forgot to mention that above, some of my blond at tiaa is in real estate... just not super thrilled about the return...I feel like we can do better in other areas, but maybe not worth the risk. In TIAA RE you have a top class industry team buying blue chip assets. Additional returns will com...
by Valuethinker
Mon Aug 20, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Expanding portfolio, real estate vs REITs, vs crowdfunding
Replies: 19
Views: 1039

Re: Expanding portfolio, real estate vs REITs, vs crowdfunding

Curious to hear what you guys think.. My portfolio is about 20% tiaacref traditional (3% vintage, + 1% per year so far), the rest is blend sp500 high mod low cap index, fidelity contrafund (all depending on which retirement account) I am 35. I just started really putting away (physician just starti...
by Valuethinker
Mon Aug 20, 2018 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 29
Views: 1674

Re: Quant / Financial Technology Job Opportunities / companies in New York City

Not nyc, but Long Island - renaissance technologies. Sure, will add to the list, but the primary goal is to stay and experience NYC, without much commute to work, job is to sustain the stay in NYC. A lot of the hedge funds are in Greenwich or Stamford Connecticut. Renaissance is out on its own in L...
by Valuethinker
Mon Aug 20, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 135
Views: 12000

Re: As an American, where are some great places in the world to retire?

Tallinn, Estonia: Much to do, friendly people, stable government, very low cost of living yet modern everything. Beautiful city. Hobart, Australia: On the island of Tasmania. Laid back lifestyle, much cheaper cost of living than Sydney, interesting history, interesting critters and scenery, beautif...
by Valuethinker
Mon Aug 20, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 135
Views: 12000

Re: As an American, where are some great places in the world to retire?

Tallinn, Estonia: Much to do, friendly people, stable government, very low cost of living yet modern everything. Beautiful city. Hobart, Australia: On the island of Tasmania. Laid back lifestyle, much cheaper cost of living than Sydney, interesting history, interesting critters and scenery, beautif...
by Valuethinker
Mon Aug 20, 2018 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Please look at my portfolio and give me advice [Norway]
Replies: 16
Views: 1068

Re: Please look at my portfolio and give me advice [Norway]

With that said, and for what it's worth, while I favor a global balanced portfolio, I consider a 10% allocation for any asset class to be the minimum to bother with. My Australian investments are a 50:50 mix of stocks and bonds with 10% Australian stocks, 40% global ex-Au stocks, 10% Australian bon...
by Valuethinker
Mon Aug 20, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Please look at my portfolio and give me advice [Norway]
Replies: 16
Views: 1068

Re: Please look at my portfolio and give me advice [Norway]

I am from Australia and I would worry if I had only 2% of my portfolio in the Australian economy. If Australia out performs over the next couple of decades, I would need to work for years more than I otherwise would. How do you figure this is not an issue? The Australian index is mostly financials ...
by Valuethinker
Mon Aug 20, 2018 3:26 am
Forum: Investing - Help with Personal Investments
Topic: leveraging savings to generate income during planned unemployment (plus housing market insanity)
Replies: 4
Views: 561

Re: leveraging savings to generate income during planned unemployment (plus housing market insanity)

Hello. I'm writing to get some advice about how to best leverage my savings for generating income over a (hopefully) fixed period of planned unemployment. I would like to devote 6-12 months away from work for the purpose of independent study. My goal is to learn some new skills that will expand my ...
by Valuethinker
Mon Aug 20, 2018 3:13 am
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3152

Re: Another reason to be wary of international stocks...

https://www.cnbc.com/2018/08/17/chinas-stock-market-drop-might-not-reflect-its-economic-reality.html Thoughts? The article makes the case that one should ignore the stock market in considering economic fundamentals. So, fine. It is not a warning against international investing per se? Note many Chi...
by Valuethinker
Mon Aug 20, 2018 3:09 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 41
Views: 5652

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Another anecdotal data point from Columbus, Ohio. We listed our house three weeks ago on a Thursday and showed it on Friday, Saturday and Sunday. We had nine offers (all above asking price) to choose from by 6:00 p.m. on Sunday. We have a modest 1,700 sq foot house and there are more buyers for hom...
by Valuethinker
Mon Aug 20, 2018 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Expanding portfolio, real estate vs REITs, vs crowdfunding
Replies: 19
Views: 1039

Re: Expanding portfolio, real estate vs REITs, vs crowdfunding

I started Peer Street last year. I was attracted to the hard lending aspect of it (i.e. loans are backed by real estate) rather than the unsecured lending seen with Lending Club, Prosper, etc. I like the platform and customer service is pretty good but I am divesting as my loans liquidate. The main...
by Valuethinker
Mon Aug 20, 2018 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 41
Views: 5652

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Gray wrote:
Sun Aug 19, 2018 1:56 pm
It’s all based on location. The 1951 house next door to mine with 1500 square feet is getting its list at $770k.
Granted there is this "proximity to Gray" factor which lifts housing prices ;-).

But where in the USA (metropolitan area) is this?
by Valuethinker
Sun Aug 19, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Expanding portfolio, real estate vs REITs, vs crowdfunding
Replies: 19
Views: 1039

Re: Expanding portfolio, real estate vs REITs, vs crowdfunding

Curious to hear what you guys think.. My portfolio is about 20% tiaacref traditional (3% vintage, + 1% per year so far), the rest is blend sp500 high mod low cap index, fidelity contrafund (all depending on which retirement account) I am 35. I just started really putting away (physician just starti...
by Valuethinker
Sun Aug 19, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7376

Re: Why the Yale Endowment Hate?

The argument Swensen makes is that if there is deflation, then LT Treasuries are better than IT or ST Treasuries - think Japan like conditions. I haven't read Swensen's book and I probably should, but I continue to be completely, utterly, totally mystified as to why anyone with positive net worth t...
by Valuethinker
Sun Aug 19, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7376

Re: Why the Yale Endowment Hate?

20% in real estate is pretty darn high. Nobody, not even Swenson as I recall, recommends that these days. We debate that, interminably. Let's say there is no obvious case that US commercial RE is undervalued-- a strong contrast to the late 1990s/ early 2000s when the yields on REITs were much highe...
by Valuethinker
Sun Aug 19, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 41
Views: 5652

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

Seems like real estate prices and bidding wars in the U.S. have been as crazy as in England. Now with rising interest rates, the party seems to be over in the U.K. Is this likely to be a global phenomenon? Bad time to be buying? http://www.thisismoney.co.uk/news/article-6064685/Fears-grow-house-pri...
by Valuethinker
Sun Aug 19, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 135
Views: 12000

Re: As an American, where are some great places in the world to retire?

Tallinn, Estonia: Much to do, friendly people, stable government, very low cost of living yet modern everything. Beautiful city. Hobart, Australia: On the island of Tasmania. Laid back lifestyle, much cheaper cost of living than Sydney, interesting history, interesting critters and scenery, beautif...