Search found 541 matches

by peterinjapan
Fri May 29, 2020 2:46 am
Forum: Personal Investments
Topic: Investing while moving abroad?
Replies: 7
Views: 505

Re: Investing while moving abroad?

American living in Japan for nearly 30 years here. You DEFINITELY want to maintain a U.S. legal address to keep sanity as far as investing goes. Despite the U.S. inside on taxing your worldwide income, most investment companies will make life difficult on you if you commit the sin of acquiring a pas...
by peterinjapan
Tue Mar 31, 2020 11:10 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50832

Re: How Is Your Job Being Impacted By The Current Crisis?

I'm a business owner (online sales of products from Japan), so I'm in a good place, as long as there are customers to buy my products. We'll cut back on bonuses and might secure some extra bank funding since rates are so low. We're dedicated about surviving the crisis and coming out on the other sid...
by peterinjapan
Sat Feb 15, 2020 1:04 am
Forum: Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 105
Views: 12555

Re: What is the expected real return of S&P 500 for the next 30 years?

That's the thesis of Chris Ciovacco, my favorite financial YouTuber. If you ever feel nervous about the stock market, watch his videos and you'll become very bullish.
by peterinjapan
Sat Feb 15, 2020 12:23 am
Forum: Investing - Theory, News & General
Topic: What is the highest expense ratio you willingly pay?
Replies: 123
Views: 8487

Re: What is the highest expense ratio you willingly pay?

I pay 0.6% for XOUT, an ETF that takes the S&P 500 and "crosses out" the "worst" 250 companies, according to their criteria. So far it's been well worth it though it's a new fund so time will tell.
by peterinjapan
Thu Feb 13, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27381

Re: What is the best concert you ever witnessed?

No one will know it here, but Yumi Matsutoya, one of the most legendary singers of the past 30 years here in Japan. Greatest concert I've ever been to.
by peterinjapan
Thu Feb 13, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home first time - need sanity check
Replies: 16
Views: 1961

Re: Buying a home first time - need sanity check

My advice is to google a checklist of "things you wish you'd thought of before you bought your first house." In my case it was, check that the building across from your 6th floor condo doesn't allow office workers to see you while you're naked in your living room, and make sure you don't need to tak...
by peterinjapan
Tue Feb 11, 2020 3:50 am
Forum: Investing - Theory, News & General
Topic: Motley Fool,,,am I right about this?
Replies: 35
Views: 6239

Re: Motley Fool,,,am I right about this?

I used to be part of the MF community, but they decided they love being the spammiest entity on the Internet, and I avoid them like the plague now.
by peterinjapan
Tue Feb 11, 2020 1:06 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 621
Views: 32746

Re: What are you listening to now

I got into podcasts so hard I all but stopped listening to music. I like listening to them, although I think I'm being a bit obsessive. I also listen to tons of audiobooks, including in the shower via a waterproof iPod Shuffle.
by peterinjapan
Tue Feb 11, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinance (20yr @ 3.5% > 15yr @ 3.125%)?
Replies: 28
Views: 2123

Re: Refinance (20yr @ 3.5% > 15yr @ 3.125%)?

I always get 15 year mortgages. It keeps me on my toes, knowing that I have to work hard to keep up the payments, and I don't have to fret about still have payments during retirement. That there's a lower real interest rate (especially compared to 30 year) is icing on the cake.
by peterinjapan
Tue Feb 11, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19548

Re: What is your most luxury/expensive hobby.

Travel. I make it a point to take at least one wonky vacation somewhere each year, like the time my wife and I visited Alaska a month after I'd been to south Florida, so I went from the extreme south to the extreme north in a single month. When my kids are willing, I drag them to interesting places ...
by peterinjapan
Fri Feb 07, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Savannah, GA
Replies: 15
Views: 1515

Re: Savannah, GA

I had a great time in Savannah. The best place to eat is Mrs. Wilkes Dining Room, a local institution, you wait for 3 hours and then have the most amazing meal you can find in the South.

Totally worth the wait.
by peterinjapan
Sun Feb 02, 2020 8:53 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 375
Views: 82985

Re: Retreat to cash

Usually when the market drops I turn into a basket case, Boglehead or not. This time, I happened to have a bit of cash on hand, plus Just happened to sell all my Chinese stocks in January (because I was going to change to another vehicle), so I am happy as a clam....so far.
by peterinjapan
Sun Feb 02, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17492

Re: Examples of Low Tech Improving Your Life

I use a waterproof iPod Shuffle (circa 2010, waterproofing by several companies who inject silicon inside the device) to listen to audiobooks in the shower or while walking laps at the pool. I "read" about 40 audiobooks a year that way.
by peterinjapan
Sun Feb 02, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 6988

Re: Considering an iPad. Is it worth it?

I am a heavy user of a 12.9 iPad Pro. I find it to be almost the perfect device. No drivers, no software licenses to install, everything is as automatic and safe as could be, far better than any Windows or Mac. I write a lot (Wordpress) and translate (Google Sheets) which works well. The only "hard"...
by peterinjapan
Sun Feb 02, 2020 8:39 am
Forum: Personal Investments
Topic: Roll over 401k to Vanguard or not ?
Replies: 21
Views: 1600

Re: Roll over 401k to Vanguard or not ?

Go with TDA. I love TDA's website and app and my son uses it. But I hate their "sure, we have a target-date fund, if you don't mind the expense ratio of 1%." Fidelity is the same. Only Vanguard and Schwab are legit in this area. So consider what kinds of funds you might be wanting to hold in the ac...
by peterinjapan
Sun Feb 02, 2020 8:35 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10030

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Thanks, Rick! I've been following Paul for years, and love his passion for helping improve the investing loves of many people. I'll listen to this soon. I'm so confused on SCV. I want buy in, but it seems like, in a world where a) a huge bias towards S&P-like large caps has emerged due to index inve...
by peterinjapan
Sun Feb 02, 2020 8:30 am
Forum: Non-US Investing
Topic: Invest in the US - planning to leave after 2-3 years
Replies: 36
Views: 4275

Re: Invest in the US - planning to leave after 2-3 years

I'm an American living in Japan for 28+ years, and my advice, if you think it applies to you, is to consider adopting a "don't ask, don't tell" position with your brokerage account, letting them think you're in the U.S. still so you can access the much better (I assume) investing options in the U.S....
by peterinjapan
Sun Feb 02, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5516

Re: Amazon free returns, any experiences?

I'm a huge fan of the new "to return something, take it to your local Kohl's, you're done" system that only works in the U.S. In Japan, where I live, I have to jump through several hoops which I hate, and often don't bother with (which is part of their calculations, I am sure). But I buy fewer items...
by peterinjapan
Thu Jan 23, 2020 12:51 am
Forum: Investing - Theory, News & General
Topic: stop loss order to protect again a unexpected recession
Replies: 77
Views: 5438

Re: stop loss order to protect again a unexpected recession

Stop loss (or trailing stop loss) is great for something you know you're going to exit in 3-6 months anyway. For anything else, not so good. Every time I've used one I ended up getting kicked out of something I didn't really want to exit.
by peterinjapan
Wed Jan 22, 2020 12:46 am
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 11533

Re: If you could only listen to one podcast...

a) Animal Spirits Podcast, about two dads who work for Ritholtz Wealth Management talking about news, investing and their kids.

b) Paul Merriman's podcast. I love that guy.

c) The Bogleheads Podcast of course!
by peterinjapan
Wed Jan 22, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 68
Views: 10152

Re: Schwab as a one stop shop

I like Fidelity, but their inability to offer a target-date fund without a 1% fee is insulting to their customers. Vanguard and Schwab both have super low fees. If I ever move from Fidelity, it will probably be to Schwab.
by peterinjapan
Wed Jan 22, 2020 12:37 am
Forum: Personal Investments
Topic: How Do I Buy Some BitCoin?
Replies: 46
Views: 23891

Re: How Do I Buy Some BitCoin?

I've bought Viagra using Bitcoin, just for the experience. It was pretty painless.
by peterinjapan
Thu Jan 16, 2020 3:18 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18145

Re: Who’s Buying Bitcoin?

I bought some Bitcoin during the first run-up, and sold out at around $8000 per btc. Made a cool $10,000 profit, basically money I could smile about sand say "I was there" like old Woodstock types from the 60s. Wouldn't touch it otherwise.
by peterinjapan
Tue Dec 17, 2019 4:13 am
Forum: Personal Finance (Not Investing)
Topic: filing US taxes - moved abroad!
Replies: 5
Views: 550

Re: filing US taxes - moved abroad!

Hi, no specific info to offer, only that you should probably hire a pro, it's too easy to mess something up. I'm an American living in Japan for 28 years, with a business and two homes in the U.S. plus a stock portfolio, and a business in Japan, where I live. My life is a hellish one where I pre-cal...
by peterinjapan
Thu Dec 12, 2019 4:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490148

Re: U.S. stocks continue to soar!

https://twitter.com/CiovaccoCapital I follow this guy, Chris Ciovacco, pretty closely on Twitter and YouTube, and he's very bullish thanks to this or that stock indication, bullish crosses and breadth thrusts, and lots of looking at how setups in the past played out to guess how they might play out ...
by peterinjapan
Thu Dec 12, 2019 2:24 am
Forum: Investing - Theory, News & General
Topic: Retiring at 24 - Extreme FIRE is it possible?
Replies: 158
Views: 13625

Re: Retiring at 24 - Extreme FIRE is it possible?

I have several businesses and sometimes feel stretched between them. My own plan is to retire from those that cause me stress and get down to the one I enjoy the most (blogging), so I can keep some income without dealing with all the stress (and super complex tax situation, since I am an American ex...
by peterinjapan
Thu Dec 12, 2019 2:04 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110452

Re: Jack Bogle - Two Fund Portfolio

How does anyone stick to something so simple? I could never stop tinkering with my portfolio, though I do it outside my core S&P 500 ETF holdings.
by peterinjapan
Thu Dec 12, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Sell current home, down size and purchase a vacation condo?
Replies: 34
Views: 2902

Re: Sell current home, down size and purchase a vacation condo?

I can say it is nice having a second home, so that over the year you can "tick, tock" between the two places. I live in Japan but spend the summer in my condo in San Diego. I get about $20k of vacation rental income out of the condo when I'm not in it, and my manager handles all the work related to ...
by peterinjapan
Thu Dec 12, 2019 1:50 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7516

Re: Which iPhone would you buy today?

I have a policy against buying Appel products. My companies buys them for me for free. It's very convenient!

I have the iPhone 11 Pro, the smaller version, which is outstanding. Battery life is long, camera is great, the only issue is my eyes are bad for reading on the smaller screen.
by peterinjapan
Wed Nov 20, 2019 2:22 am
Forum: Personal Investments
Topic: E*Trade vs Ameritrade
Replies: 20
Views: 1863

Re: E*Trade vs Ameritrade

I really liked using my son's TD Ameritrade account when I went in to do some stuff. Like Fidelity, it's probably very solid. But you can never buy Vanguard mutual funds, or you can but you have to pay $75 for each trade. That alone would make me try to go with Vanguard, unless you're a poor shmuck ...
by peterinjapan
Tue Aug 20, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 72
Views: 8622

Re: Vanguard vs. Fidelity??

I love my Fidelity, but remember how hostile they are (and TD Ameritrade) to Vanguard mutual funds, charging $75 per trade. Not good for some users here. They are also hostile to any American who dares to live abroad. Anyone who does should hide this fact from them vigorously.
by peterinjapan
Fri Aug 16, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 4192

Re: iPad Pro 12.9 - 3rd Generation

I love my 12.9 current gen and use it every day. It's especially wonderful on vacations or business trips, since it handles everything from maps to travel plans to movies to watch during a flight or drive. I'd recommend the cellular version since having the ability to buy a quick 5 gb of data for $3...
by peterinjapan
Sat Jun 29, 2019 4:50 pm
Forum: Personal Investments
Topic: Recommended Vanguard Fund(s) for Taxable Investments
Replies: 26
Views: 2806

Re: Recommended Vanguard Fund(s) for Taxable Investments

If you listen to the podcasts of Paul Merriman, an awesome fellow who's on this BBS from time to time, he basically says that VTI is too similar to the S&P 500 in practice, and that for the long term you should own more small caps, and especially small cap value, which is Paul's favorite investing v...
by peterinjapan
Sat Jun 29, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 7138

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

I've got a large enough portfolio that I was down $100k in two days in the February 2018 VIX-tantrum, and am up or down $15k pretty much weekly, so the depression is real. You see so many posts here that make Bogleheads looks like Zen Masters who never experience the slightest concern about their po...
by peterinjapan
Fri Jun 28, 2019 3:34 am
Forum: Personal Investments
Topic: Looking For A Review On How To Invest $2.5M
Replies: 7
Views: 2110

Re: Looking For A Review On How To Invest $2.5M

You've definitely come to the right place for a good conservative answer. If you'd gone to Reddit it'd all be done on bets for "Tendies" options in two weeks.
by peterinjapan
Fri Jun 28, 2019 3:30 am
Forum: Personal Investments
Topic: Should I bother trying to replicate Total US Stock Market in my 401k?
Replies: 25
Views: 1897

Re: Should I bother trying to replicate Total US Stock Market in my 401k?

Since 401(k)/IRAs convert low-tax investments (capital gains, dividends) into maximum tax liabilities, shouldn't you always have either fixed income or "bad" (non-qualified) dividends like REITs there over the S&P 500? That's what I try to do.
by peterinjapan
Fri Jun 28, 2019 3:18 am
Forum: Personal Finance (Not Investing)
Topic: Time to Refinance Mortgage?
Replies: 12
Views: 1497

Re: Time to Refinance Mortgage?

I know. Can't believe why anyone would get a 30+ year mortgage over a 15 year. Lower rate, way less actual interest cost, plus it forces you to be on your toes to get the thing paid off in a timely manner.
by peterinjapan
Sat Jun 15, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 24511

Re: How have your homes as investments done?

My wife is Japanese, and when we bought a house in San Diego for $330,000 in 1998 she was sure its value would fall through the floor, because in Japan no one wants to live in a “used” house but buy land, tear down whatever building is there, and erect a new house for your own family. Happily I over...
by peterinjapan
Thu May 30, 2019 12:46 pm
Forum: Personal Investments
Topic: 60/40 Portfolio Future Returns
Replies: 14
Views: 1425

Re: 60/40 Portfolio Future Returns

I've heard a million times that "bonds are overpriced compared to stocks, don't expect any return from bonds going forward, stocks are all that are worth owning. From everyone from Buffet to Jane Commentator on Bloomberg Surveillance. Not a very Boglehead concept. I'd also love feedback on why this ...
by peterinjapan
Wed May 22, 2019 9:11 pm
Forum: Personal Investments
Topic: Does M1 Finance compare to Merrill Edge?
Replies: 17
Views: 1586

Re: Does M1 Finance compare to Merrill Edge?

Paul Merriman has done a lot of studies on M1 plus the other free broker whose name escapes me. One benefit he pointed out is, you can create your own perfect mix (like his Ultimate Buy and Hold Portfolio) and direct each purchase to buy equal shares of all of the funds you want to own. If I were yo...
by peterinjapan
Wed May 22, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 226
Views: 43309

Re: Cash - Throw it all on the table!!!

I just sold a condo in San Diego and keep $60k in my emergency fund, more than I would usually need, in case the tax bite is higher than I think it will be. Plus some cash in my trading account.
by peterinjapan
Wed May 22, 2019 12:40 pm
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 15
Views: 1929

Re: Consolidating to Fidelity

I moved to Fidelity (from Wells Fargo and Scottrade) and love it. Their website is great and their apps for iOS are great. That said, you should understand their business model. Fidelity (and TD Ameritrade) "have no choice but to charge you $75 to trade mutual funds from cheap companies like Vanguar...
by peterinjapan
Tue May 14, 2019 3:20 am
Forum: Non-US Investing
Topic: Non US brokers available to Americans
Replies: 7
Views: 730

Re: Non US brokers available to Americans

My advice is always to maintain a "footprint" in the US, using your parent's address or something, so that you can avoid the frankly ridiculous barriers that are erected against Americans who dare have passports and go out into the world. I've got my business so I can invest in the U.S. regularly th...
by peterinjapan
Tue May 07, 2019 3:06 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 15010

Re: I tried to fire my financial advisor of 12 years today...

Great job. I also fired my investing guy, who charged me 1.4% to own funds that sometimes charged me 1% or more. He tried to put me in load funds but caught the fire in my eye when he suggested it. I realized I could make as many mistakes as he made, and for free. Most angering of all, I was ready t...
by peterinjapan
Sun May 05, 2019 11:31 am
Forum: Personal Investments
Topic: Large Windfall that we cannot spend for 5 years
Replies: 10
Views: 2677

Re: Large Windfall that we cannot spend for 5 years

I was going to say, what great CD rates, and jump on them!
by peterinjapan
Sun May 05, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Paying off my primary residence
Replies: 6
Views: 1138

Re: Paying off my primary residence

Great work! I've got 2.5 years to go on Mom's house, and $300k to go on my main condo, so I'll be plugging away a while.
by peterinjapan
Sun May 05, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: House Hunting Duration: 10 Months Too Long?
Replies: 16
Views: 2017

Re: House Hunting Duration: 10 Months Too Long?

According to this cool book Algorithms to Live By (https://hackernoon.com/algorithms-to-live-by-book-review-77f53d63fa78), the answer is...37%. Take the period of time you've alotted, start looking, and when you get to a house that meets your basic needs, pull the trigger. Similarly, the amount of t...
by peterinjapan
Thu May 02, 2019 3:45 am
Forum: Non-US Investing
Topic: My Life as a Japanese Investor
Replies: 13
Views: 2989

Re: My Life as a Japanese Investor

Yes, it is nice that Vanguard works with them. You can get a lot of good funds there, like ITOT, though only a subset of what I'd like. In this particlar case they're still banned to me as an American going through a NISA account. I will look at E Maxis Slim though.
by peterinjapan
Wed May 01, 2019 11:36 am
Forum: Non-US Investing
Topic: My Life as a Japanese Investor
Replies: 13
Views: 2989

Re: My Life as a Japanese Investor

I thought Rakuten.com was an online shopping website, is this the same Rakuten??? in Japan they are a Brokerage firm???? Well they have many arms, like most J-companies. They have a vibrant online bank I use, the investing company, the #2 online shopping site after Amazon, and a baseball team. Most...
by peterinjapan
Wed May 01, 2019 11:34 am
Forum: Non-US Investing
Topic: My Life as a Japanese Investor
Replies: 13
Views: 2989

Re: My Life as a Japanese Investor

@rk6,

Nice comments, hope you enjoyed being in Japan. For any sane person, the U.S. is the best place to invest and you should invest there. No matter where I end up I'll still keep my portfolio in the US where the best business conditions exist.