Search found 481 matches

by peterinjapan
Sun Apr 07, 2019 3:03 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13995

Re: How often do you check your net worth?

I check it every year. This year I was something pathetically like $10 up from last year, thanks to December's declines and me giving money to my kids to fund their Roth IRAs.
by peterinjapan
Thu Apr 04, 2019 1:21 am
Forum: Non-US Investing
Topic: Your opinion on debt?
Replies: 111
Views: 6365

Re: Your opinion on debt?

I never do "bad" debt, but I don't consider a low interest rate mortgage to be bad. I actually maintain some debt, money I owe my company, because of the low rate (it's in Japan) and because the Japanese government has a high death tax they intend to charge when I die. Rather than half a debt-free p...
by peterinjapan
Tue Apr 02, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 3683

Re: Any *disadvantages* to citizenship?

I’m an Americana with a business in the U.S., and two in Japan, where I live. My life is a hellhole in which I calculate my Japanese taxes by March 15 (estimating my U.S. taxes, which aren’t finalized yet), then file in the US on April 15, then file again (the real filing) in July in the U.S., then ...
by peterinjapan
Mon Apr 01, 2019 6:10 pm
Forum: Personal Investments
Topic: Please help me understand these bond movements?
Replies: 6
Views: 458

Re: Please help me understand these bond movements?

Let me answer your question with a question: Why do you care what the prices of these funds do month to month? Are you planning on buying and then selling their shares month to month, or based on NAV changes? What is your investment horizon? My investment horizon would be 15-20 years. I'm trying to...
by peterinjapan
Mon Apr 01, 2019 12:43 pm
Forum: Personal Investments
Topic: Please help me understand these bond movements?
Replies: 6
Views: 458

Please help me understand these bond movements?

So, I've exited the position in GIBLX that my investing advisor told me to get, and am going back to index bond ETFs. I'm trying to understand the various movements in these ETFs -- IUSB, AGG, LQD, IEF, and TLT. https://s3-us-west-2.amazonaws.com/megumi.img/bondsimage3.jpg I *think* the following is...
by peterinjapan
Wed Mar 27, 2019 3:21 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5751

Re: Family man who misses driving a fun car

I always drive convertibles. Happily I lie in Japan where my company can buy my car for me. But for my U.S. car I have a BMW series 1 convertible stick shift, totally fun to drive and the cheapest BMW you can buy. I also loved Miatas. The fun to cost radio is awesome, and I've owned four of them ove...
by peterinjapan
Wed Mar 27, 2019 3:05 am
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 12861

Re: I hate bonds

My Fidelity advisor guy talked me into putting my bonds into GIBLX, a managed mutual fund by Guggenheim with a 0.9% expense ratio. For a year it's done nothing though all the passive ETFs (BND/GOVT/LQD/whatever) have performed well. I guess I'll pull the trigger on selling it and picking some ETFs I...
by peterinjapan
Wed Mar 27, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8444

Re: Tattoos and Bogleheads

I live in Japan, a country that has some unreasonable beliefs about tattoos, sadly. I love taking baths in hot springs, which would be difficult to impossible with tats, so... My daughter got some small ones in Australia, and has to cover up when she goes to the baths here in Japan.
by peterinjapan
Fri Mar 22, 2019 6:27 am
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12524

Re: Fell in Love with Fidelity

I love Fidelity for my personal investing, but I recently got disgusted with both Fidelity as well as TD Ameritrade for offering a bunch of “free mutual funds” tt are (pardon my French) piles of shit, with 1% costs, or the ability to buy proper Vanguard mutual funds for $50 per transaction. I recenl...
by peterinjapan
Tue Mar 19, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3017

Re: Buying a Roadtrek

Wow, this is a very dangerous thread.
by peterinjapan
Sun Mar 17, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

One of my favorite movies which I rewatch a lot is The Man from Earth, a movie written by the writer of the Star Trek TOS episode Mirror Mirror.
by peterinjapan
Wed Mar 13, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 2917

Re: What time do you start your day?

I recently read theBook “why we sleep” and it really turned me on to getting 7 to 8 hours of sleep per night. The book has really helped me focus a lot more on getting a proper amount of sleep each night Book “why we sleep“ and it really turned me on to getting 7 to 8 hours of sleep per night.
by peterinjapan
Wed Mar 06, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 5346

Re: First “financial” thing you do in the morning

I'm an American living in Japan, so the first thing I do is grab my phone to see the market's results. I shouldn't but I can't help it.
by peterinjapan
Wed Mar 06, 2019 7:38 am
Forum: Non-US Investing
Topic: any experience with these US bank accounts for [US] ex-pat living abroad
Replies: 16
Views: 1353

Re: any experience with these US bank accounts for [US] ex-pat living abroad

Make sure you have a "base" in the U.S. I keep my company pretty much for this purpose, so I can have all the rights to invest in the U.S. as an American, although I live in Japan. Honestly, someone needs to sue the government to give us the right to open any account we please, even if we're living ...
by peterinjapan
Wed Feb 06, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

That's funny, I recently watched The Girl on the Train. Not a very good movie, the audiobook was way better, genius the way it spun its story through the eyes of three participants, one of whom was an alcoholic devastated by a divorce.
by peterinjapan
Sun Nov 18, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2880

Re: Laptop security - Mac OS or Windows

Meaning it’s being actively patched because it’s under constant attack.

Mac user here, never had a virus attack or similar issue. My lawyer once had to redo tens of thousands of work for me because his windows machine got corrupted with a virus. This was back during the Win95 era but still.
by peterinjapan
Sun Nov 18, 2018 6:51 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6760

Re: Ally just raised Online Savings accounts to 2% APY

Banco Popular is currently paying 2.24%, I’m loving it.
by peterinjapan
Wed Nov 14, 2018 10:11 pm
Forum: Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5804

Re: My Grandmother has 80% stocks

I wish they had the reset-at-death step up here in Japan. They don't, and would try to ding me on "profits" (mostly inflation) on my mother's house if I sold it, since they only go by the original purchase price. Also, only one person can own land or a home in Japan, so they'd insist I pay all taxes...
by peterinjapan
Wed Nov 14, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 21
Views: 1940

Re: "Bogleheads On Investing" podcast stats and more

Loving the podcast and listening to every episode!
by peterinjapan
Sun Nov 11, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2280

Re: iMac + iPad Pro

3) I might be wrong but it appears that the iPad Pro still loads and displays only the mobile versions of websites. This is a machine that claims to have desktop hardware and processing power but still limits itself to the kiddie version of the web pool. They should offer a version of Safari that i...
by peterinjapan
Sun Nov 11, 2018 9:59 am
Forum: Personal Investments
Topic: Add on CD as insurance against falling rates
Replies: 4
Views: 687

Re: Add on CD as insurance against falling rates

I love Fidelity's CD ladders, which let you automatically re-renew them. Really good rates too (3.10 for 24 mo).

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by peterinjapan
Sun Nov 11, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 5050

Re: Do you prefer etfs or mutual funds?

ETFs. I don't deal in dinosaurs.
by peterinjapan
Fri Nov 09, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2280

Re: iMac + iPad Pro

I view the iPad as, you're buying a computer that teleported from 2045 in 2018, so it's a reasonable price to pay. I use mine more and more as time goes by. Also, and this is something I don't see discussed enough here, I never buy Apple products myself. My company buys them for me. So I am quite fl...
by peterinjapan
Tue Nov 06, 2018 11:05 pm
Forum: Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3860

Re: 3.75% - 5-year CD

One question I have is, why can a CD go above the US treasury "risk-free rate" which is presumably 3.1x% for a ten year treasury now.
by peterinjapan
Sun Nov 04, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4391
Views: 1145146

Re: What Movie Have You Recently Watched?

Really loving the second season of Westworld. It’s amazing that we have this level of TV available to us, at the push of a button.
by peterinjapan
Sun Nov 04, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4230

Re: Thoughts on the New Macbook Air?

You don’t need to buy dongles, but just USB-c to [whatever] cables. They are permanent and work well, and if you get them off eBay or Monoprice they’re super cheap. I’ve been using MacBook Pros for 3+ years and USB-C is absolutely an improvement over the old days.
by peterinjapan
Wed Oct 31, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4747

Re: Who's Buying General Electric?

I owned some, but somehow, I managed that it "smelled bad" and got out at $30. One of the best moves I've ever made. Sadly smelling my stocks doesn't usually work.
by peterinjapan
Sun Oct 28, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3998

Re: When to get a new toilet?

Yes, no one should deny themselves a good Japanese toilet. Toto USA sells them, though you should get professional installation since electricity is involved.
by peterinjapan
Mon Oct 22, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5330

Re: What to do with >$1000 in Amazon credits?

Are these normal Amazon points? I always have a ton because of their 5% cash back program, which works with Amazon S3 servers. You can log into Chase and take the money out as cash to your bank account, then invest or whatever.
by peterinjapan
Sun Oct 14, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10937

Re: Short Term Bond yield over 3%

I know CD ladders can be unpopular here, but I am amazed at the current numbers. 3% for the 2 year through Fidelity!

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by peterinjapan
Wed Oct 10, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843628

Re: U.S. stocks in freefall

Aaaand two years of profits from DAL wiped out.

Damn it.
by peterinjapan
Wed Oct 10, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3729
Views: 1074134

Re: What Book Are You Currently Reading? Part VI

Just finished Wind Through the Keyhole, a “bonus” Gunslinger book from Stephen King. Read by the author. (I am addicted to audiobooks and listen to them in the shower with a waterproof iPod shuffle.)
by peterinjapan
Wed Oct 10, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843628

Re: Stocks tumbling?

To be a BH is to be calm and boring. Most things not even worth talking about. The rationalization based on the long term is the same as not caring about any of life because you look forward to heaven. And that is the true goal. I am a BH, but not as pure as some here. In three days, 2 years of pro...
by peterinjapan
Tue Oct 09, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13321

Re: What purchase saved you the most money?

Investing For Dummies, Fifth edition. Got me started thinking about investing and entrepreneurship.
Filemaker for Dummies 3.0. I founded my business on this program and book, 22 years ago.
by peterinjapan
Tue Oct 09, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6883

Re: Best headphones under 500 bucks

I was pleasantly happy to find the Bluetooth Quiet Comfort III are outstanding. Good quality, good design, Google Assistant button that's surprisingly useful, plus the ability to change connected devices, between two on the fly, or more if you use the mobile app. Apple AirPods are also amazing if yo...
by peterinjapan
Tue Oct 09, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16314

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

It would be the same anywhere. If you go to Canada and don't immediately love Hockey, you'll stick out. If you go to Europe and think the death penalty is pretty good, you'll not fit in and will eventually adjust your values or probably leave. Perhaps the best advice is, take 2 week vacations to the...
by peterinjapan
Mon Oct 01, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 106378

Re: How much money do you want to retire?

I think I can do $4 million, which will do fine. If I can get to $5 million, I will be a happy camper. Wife should have another $1 million too, so I think we will be okay.
by peterinjapan
Fri Sep 28, 2018 7:20 am
Forum: Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3116

Re: What to do with cash in the short term?

Popular Direct is 2.0% currently, FDIC insured. I also just bought a 2 year CD for my wife at 2.95% insurance.
by peterinjapan
Thu Sep 27, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7822

Re: Amazon Prime - Value?

It's a "time is money" thing. I can order a USB cable at midnight and it will arrive by noon the next day, usually. And I live in rural Japan. My time can be better spent writing a blog post or promoting something for my business. That convenience becomes addictive. The added bonus is Amazon Prime V...
by peterinjapan
Wed Sep 26, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3474

Re: Am I using facebook correctly?

Facebook gets a lot of flack but it has uses. Mainly, keeping up with family. Also I find Messenger the best way to contact/be contacted by friends and family. Trying to use it for other purposes, like general interaction with random people, will make you hate your life. Politics, insulting videos c...
by peterinjapan
Wed Sep 26, 2018 10:30 pm
Forum: Personal Investments
Topic: Should I sell or rent my house?
Replies: 22
Views: 1997

Re: Should I sell or rent my house?

Yes, I have one rental property (had one more but recently sold it), and love the income and the way depreciation nearly always wipes out all rental income for tax purposes. Currently rental income isn't counted against social security, so unless this changes I'll keep my one rental property forever...
by peterinjapan
Mon Sep 24, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9538

Re: Are We Headed For A Passive Index Meltdown?

One thing I read once was, when markets go south, passive holders sell just like everyone else. I don't remember the article. Obviously the statement wouldn't cover many reading this here, but is there any data to tell us whether holders of SPY would generally start to sell if it tanked by 20%, and ...
by peterinjapan
Mon Sep 24, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 34
Views: 3852

Re: New Zealand - Bucket list trip

Best of luck on your trip! I lived there as a boy at age 6, so I can't give you specific advice other than to tell you it's a wonderful country. Make sure you try the hot springs. If I were going I'd do the Milford Trek, something I want to do someday.
by peterinjapan
Mon Sep 24, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9218

Re: Losing Passion for Hobbies. Cheap or normal aging?

I've always had weird and specific hobbies. One of the them is obsessing over my investments, which I plan to do (a little) when I retire. Another thing I want to do is, become an R2 Builder. There's a whole group of people who design and build R2-D2 and other Astromech droids. The best community I'...
by peterinjapan
Fri Sep 21, 2018 12:08 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 14557

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Popular Direct has FDIC insured 2.0%, I have my emergency/upcoming tax money there.

https://www.populardirect.com/
by peterinjapan
Wed Sep 19, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2301

Re: What is a reasonable fee charged by financial planners?

My Wells Fargo financial planner did little more than keep me in too-safe investments (so I wouldn't get mad and fire him) and talk me out of investing in AMZN at $399. He is now my former financial planner and I'm doing much better than when I used him.
by peterinjapan
Wed Sep 19, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller interview: "Market could get a lot higher"
Replies: 28
Views: 4734

Re: Robert Shiller interview: "Market could get a lot higher"

When I want to feel good about my investments I watch youtube videos by Ciovacco Capital, who is always super bullish and gives lots of info for why things will be better https://www.youtube.com/channel/UC_ywfvIR2JrnMuZt33y7QYQ If I want to feel bad about my investments, I read the Felder Report, wh...
by peterinjapan
Wed Sep 19, 2018 8:35 pm
Forum: Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 4
Views: 1135

Re: anybody use Fidelity CD ladders?

I couldn't stand to see my bonds fall up to 5% a year so I got a CD ladder at Fidelity to provide a backbone to my portfolio. It feels like I did the right thing and Fidelity's system is super easy.
by peterinjapan
Tue Sep 18, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26335

Re: What is your single most expensive mistake?

Said some nice things to Paypal staff (including a younger Elon Musk, I am pretty sure, but he wasn't famous in 2001), and got a call from them asking if I'd like to invest in the IPO in their "friends and family" program. I declined, like a chump. Example 2: was giving a panel in a room filled with...