Search found 395 matches

by peterinjapan
Wed Aug 15, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1777

Re: More cash instead of bonds

I'll chime in with the Fidelity Brokered CDs page. 2.8% for 2 year, it works for me.

Info https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by peterinjapan
Wed Aug 15, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 90
Views: 7502

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

a) Tokyo? It's a nice place, and surprisingly cheap. b) K.L. in Malaysia, my Japanese wife and I have our eyes on this, it's also super cheap (still). Penang, Malaysia is also amazing, and there are a lot of various foreigners already there. c) Malaga, Spain or Lisbon, Portugal? Also on our list. In...
by peterinjapan
Sat Aug 04, 2018 7:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 479
Views: 47073

Re: Poll: At what age did you hit $500k Net Worth

I probably reached that in my 30s, hard to say as I was so busy growing my company, which is probably a good way to do it. Hit $1 million around 43.
by peterinjapan
Fri Jul 27, 2018 1:39 am
Forum: Personal Finance (Not Investing)
Topic: The stock that got away
Replies: 40
Views: 2899

Re: The stock that got away

I will keep holding. I like FB, though as a user I hate all the politics and their stupid 30 day bans for posting anything someone reports as too sexy. But I'll hold the stock, the growth is just too good.
by peterinjapan
Wed Jul 11, 2018 3:20 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2421

Re: Should I move all my investments to Vanguard?

Another vote for Vanguard, they are outstanding, and nearly free to trade. ($5 per trade.) The one downside is, trying to own some mutual funds, including Vanguard.
by peterinjapan
Wed Jul 11, 2018 3:07 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3487

Re: Any kayakers here?

This thread is making me seriously want to get a kayak.
by peterinjapan
Mon Jun 25, 2018 1:57 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10074

Re: Stocks vs. rental property

Real estate is amazing. A solid asset that goes up in value (if it does), balancing of stock risk by being totally different, the ability to write off income through depreciation often resulting in $0 taxes owed (this is why Mr. Trump pays no taxes, I am 100% sure), and the ability to step up value ...
by peterinjapan
Mon Jun 25, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12097

Re: When did you start flying business class?

One aspect of investing should be whether you started a company and kept it running well or not. Personally I fly business because my company foots the bill, for the same reason I have a sweet BMW Z4 in Japan (where personal cars can be bought through a company) but an inexpensive (but fun) BMW 128i...
by peterinjapan
Fri Jun 22, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15158

Re: Did you celebrate when you finally hit $1m?

When I sold my house, I hit $2m when the proceeds came in. Naturally things are much lower now, but I have the screenshot I took. I'll be back.
by peterinjapan
Fri Jun 22, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 4673

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

We must all drive something we feel happy with. I drive a BMW series 1 convertible in the U.S., but I got it used (almost new), and I love it because it's probably the last stick shift I'll ever own. Happily in Japan companies are allowed (almost encouraged) to buy cars for employees/owners to use, ...
by peterinjapan
Fri Jun 22, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21073

Re: Can you retire on $2M?

I can say that Japan is actually cheap. Even in Tokyo, you can get a decent "mansion" (what they call an apartment in a high-end building made of steel instead of wood) for $1200-$1500 easily, and where I live, 100 km north, it'd be half that. Food is similarly cheap, or rather, prices all seem "fro...
by peterinjapan
Wed Jun 20, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1359

Re: Selling Amazon?

It will go up, for sure. Just as when I finally sold my MCD holdings, sure it wouldn't go any higher, and it went up 12% immediately after.
by peterinjapan
Wed Jun 20, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 42454

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Popular Direct has a 2.0% online savings account, FDIC insured. I'm loving it.
by peterinjapan
Wed Jun 20, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Effect of Index funds on Market Efficiency
Replies: 19
Views: 1303

Re: Effect of Index funds on Market Efficiency

To balance out Bogleheads, I sometimes hang out on Reddit, where everyone is holding individual stocks and the /r/ETFs subreddit has nobody in it. I commented on this once, and someone said, "Expansion of passive investing reduces the pool of money seeking to outperform, thereby making outperformanc...
by peterinjapan
Wed Jun 20, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5431

Re: How much car to buy reasonably?

I drive a stick when in California, and wouldn't trade it for anything. Here in Japan, where traffic is even more stop-and-go (and where it costs a $25 toll to drive to Tokyo), I am happier with automatic + paddle shifts that I never use, except when driving down a mountain.
by peterinjapan
Wed Jun 20, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5175

Re: How much of your taxable holdings is unrealized capital gains?

Yes, capital gains I don't want to pay tax on are the reason I hold a few individual stocks. I'm up 300% on AAPL, it's hard to pull the trigger and sell.
by peterinjapan
Wed Jun 20, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 6363

Re: Where to invest $50K+ down payment money for five years?

Remember that you can get 2.0% currently with FDIC insured Popular Direct. This number isn't guaranteed but has held up nicely since I opened the account a few months ago.
by peterinjapan
Tue Jun 19, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on iShares FLOT -- Floating rate bond ETF
Replies: 6
Views: 613

Re: Opinions on iShares FLOT -- Floating rate bond ETF

I know nothing about this but it looks like an amazing option. Trying to come up with a bond strategy I can stick to sine AGG/LQD drop more than I'd like when rates go up.
by peterinjapan
Tue Jun 19, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 14085

Re: Oh my! Cardone says we need $10m net worth

While I wouldn't base my life on his work, I do like Grant Cardone's books in audiobook format, since he reads them himself and has a very energetic personality. I would _hate_ to work for the guy.
by peterinjapan
Tue Jun 19, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4117

Re: iPad Pro 12.9": Replacement for Laptop?

iPad is amazing, and I do a lot of work with it. Since I develop Windows software and run complex scripts, I can't use it for 100% of my workflow but I am getting closer every year.
by peterinjapan
Tue Jun 19, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6451

Re: General Electric booted from Dow Jones Industrial Average

Wow, I totally called this! For the past five years I've been wondering when it would happen, and now it has. So glad I had the good sense (somehow) to exit the position I happen be holding at 30.
by peterinjapan
Thu Jun 14, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1562

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

Another vote for Paul Merriman, I love the guy even though I'm younger than most of his target audience.

I personally love The Investor's Podcast, but it's probably not right for Mom.
by peterinjapan
Thu Jun 14, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2765

Re: Drive from Phoenix to San Diego

If you go through Gila Bend, because of speedtraps, they are famous for them
by peterinjapan
Mon Jun 11, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 5028

Re: How and when do you decide to do Tax Loss Harvesting?

I also don't keep bonds in taxable accounts. Some bonds are very tax-efficient. Notice the short bond funds at the top of the list. https://www.bogleheads.org/wiki/Tax-efficient_fund_placement It's interesting when you live in another tax region and have to juggle two different systems. In Japan, t...
by peterinjapan
Mon Jun 11, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 5028

Re: How and when do you decide to do Tax Loss Harvesting?

Because I live in Japan, I can't carry over losses, so I always make sure I have $1000 of profit since capital gains are my "favorite" tax to pay. Last year I moved out of some longtime positions so it was a great deal more than $1000.
by peterinjapan
Mon Jun 11, 2018 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Starting out, in Japan
Replies: 34
Views: 3400

Re: Starting out, in Japan

Beware fees. Folks here would laugh if I told them what my Japanese wife -- who just *has* to have the hand holding -- allows to be taken in fees. It's like Japan is still in the year 1985 or something. I will be starting a NISA (a 5 year limited retirement account) soon, I hope they extend the time...
by peterinjapan
Sun Jun 10, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38024

Re: Bogleheads, tell me about your 40's?

My 40s run out in exactly 9 days. Hrrm. I've had a good decade. It's the time I really became an "adult" about many things, doing my own investing (and doing it far better than Wells Fargo, thank you very much). Being very serious about my business. Teaching my son about investing, who took to it li...
by peterinjapan
Sun Jun 10, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 3567

Re: “Day to kill” in Venice Italy

Be sure to take precautions against pickpockets or other unsavory characters. I was actually involved in a government sting operation while there, when I ate at a restaurant and the proprietor didn't give me a receipt. He got revenge on me by giving me change in "bad" Lira (this was pre-Euro) that c...
by peterinjapan
Sat Jun 02, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13912

Re: Best Advice You Never Took

So once, back in 2001 I guess it was, I was at some online service provider convention in Las Vegas. There was a Paypal booth there, and I gushed about how cool I thought Paypal was, as a user of its services (as a merchant). A few days later I get a call from Paypal offering to let me invest in the...
by peterinjapan
Mon May 28, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 57
Views: 10259

Re: Schwab Vs Fidelity Vs Vanguard

I love Fidlity. Great website, outstanding iOS apps, and free iShares funds. I didn't like Vanguard due to its cult status in the world, and also their hostility to any American who dares live outside the U.S. My son's investments were with Scottrade, which got bought by TD Ameritrade, and I am very...
by peterinjapan
Mon May 28, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing Discussion Thread
Replies: 22
Views: 2919

Re: Paul Merriman on Market Timing Discussion Thread

paul merriman wrote:
Sun May 27, 2018 12:17 pm
What I was good at was getting to work early and working late. Also I loved teaching others how to invest on their own.
Just want to fanboy gush. Love your work, Mr. Merriman! You make my daily 4 km walks more enjoyable and educational.
by peterinjapan
Mon May 28, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: VTI or VIG as a core U.S Stock Market Holding
Replies: 27
Views: 8154

Re: VTI or VIG as a core U.S Stock Market Holding

I like VIG, but I love DGRO, iShares version of VIG, which always seems to outperform VIG and has a higher yield to boot. So give that an eyeball before deciding. I use DGRO, IVV, IJS and IJH as my core funds, plus some individual stocks I can't seem to get away from.
by peterinjapan
Mon May 28, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate-term flexible investment 3 - 10 years
Replies: 11
Views: 859

Re: Intermediate-term flexible investment 3 - 10 years

I'm apparently "Mr. Fidelity CD ladder guy" here, but a CD ladder at Fidelity is another option

https://www.fidelity.com/fixed-income-bonds/cd-ladders
by peterinjapan
Mon May 28, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment
Replies: 5
Views: 661

Re: Short term investment

a) brokered CD from Fidelity? Rates are quite high for them.

b) Popular Direct has a 2.0 (current APY) saving account which I am using for temporary money parking.
by peterinjapan
Mon May 28, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8846

Re: Help Buying Mens Shoes for Work and Dating

Remember that women look at a man's shoes and judge him by them far more than men think they do. So if these are for dating, proceed accordingly.
by peterinjapan
Fri May 18, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Want Vanguard funds. Need Vanguard account?
Replies: 9
Views: 891

Re: Want Vanguard funds. Need Vanguard account?

I love Fidelity but the downside is, $75 for mutual funds that aren't part of the free system. So it's as anti-Boglehead as you can get (if you insist on using Vanguard mutual funds, which I don't).
by peterinjapan
Fri May 18, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 36818

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Sadly Roth goes away very quickly. I've always earned too much to get a Roth, though I am aggressively doing them for my kids. It's why I always tell young people, whatever you do, learn what this thing is as early as you can.
by peterinjapan
Thu May 17, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage firm recommendations for CDs
Replies: 10
Views: 1013

Re: brokerage firm recommendations for CDs

I am super happy with Fidelity's automated CD ladder tool. And 2.8% for 24 months seems fabulous to me.

https://www.fidelity.com/learning-cente ... cd-ladders
by peterinjapan
Tue May 15, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5825

Re: New Car Suggestions: BMW Crapping Out

Look at Mazda. I've owned four Miatas, a MPV, a "Bongo Friendee" (this cool van with a roof that opens up into a sleeping area, sold only in Japan and the UK), and our current CX-5. Have loved everyone. Get DIesel if you're in a Diesel-friendly country.
by peterinjapan
Tue May 15, 2018 12:26 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12964

Re: The front page is ugly

It is really ugly. Like, Reddit ugly. It should be changed, and mobile users should be considered. Actually any website or web platform needs to be "mobile first."
by peterinjapan
Tue May 15, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions wanted on keeping Ameritrade and Robin Hood
Replies: 8
Views: 485

Re: Opinions wanted on keeping Ameritrade and Robin Hood

How do you feel about each company? I personally love fidelity, but my son's accounts are with TD Ameritrade, and I really dig your website, it's very easy to use. I honestly was confused by Vanguard, they have some strange paradigms associated with how you don't "buy" mutual funds but, "move money ...
by peterinjapan
Mon May 14, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: consumer staples
Replies: 10
Views: 1215

Re: consumer staples

Regular index investing will be better than one segment. Among other things the sector ETFs are all quite expensive, costing .45% in fees.
by peterinjapan
Mon May 14, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 11069

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

I like brokered CDs from Fidelity but they won't bring in that much.
by peterinjapan
Wed May 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8828

Re: Bucket List Adventures/Activities

My dream retirement would be, every 3-4 months I head off to some cool new place, and stay in an Airbnb, staying in the city for 2-4 weeks, enough to explore all there is to reasonably explore. I'd blog about it and be some cool old dude travel blogger. Sadly my wife is much less adventurious and wi...
by peterinjapan
Tue May 08, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Stick with E*Trade or move to Vanguard?
Replies: 15
Views: 1557

Re: Stick with E*Trade or move to Vanguard?

My three cents: a) Fidelity is excellent. Great company, low fees, amazing iOS apps. (Have not used Android but likely as good). b) My son is on TD Ameritrade and we are both amazed at how good their website is. Have not tried any apps. c) I know Bogleheads.org is Vanguard Central, but I could not g...
by peterinjapan
Tue May 08, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 104
Views: 13094

Re: Total Bond - SEC yield breaks 3%

For any who care, here are the current Fidelity brokered CD ladder rates. I love their automated tool, and the rates seem good. I got tired of my AGG and LQD falling more than I was comfortable with and bought a big 2 year CD ladder in my IRA. https://s3-us-west-2.amazonaws.com/megumi.img/aScreenSho...
by peterinjapan
Tue May 08, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.75 [Money Market Rate To 1.75% APY]
Replies: 51
Views: 5308

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

I just opened a 2.00% account at Banco Popular https://www.populardirect.com/ . They seemed to imply that the rate was "tied to market conditions" and could fall any time, but that it wasn't an introductory rate or anything. It was better than the 1.39% that their normal accounts were paying. If the...
by peterinjapan
Wed Apr 18, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on lump sum vs dollar cost averaging
Replies: 79
Views: 6584

Re: Bloomberg article on lump sum vs dollar cost averaging

I had read all the articles / backtesting and was very sure I would lump sum. But when the 7 figure $ actually showed up, I couldn't bring myself to do it. I don't think I'm adding much to this conversation, but FWIW. Yes, it's terrifying to do. I sold a house and had $500k to invest and it's been ...
by peterinjapan
Mon Apr 16, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3569

Re: Las Vegas hotel

My wife and I go every year and love the pools. The best have been a) Caeser's Palace. A loud hotel but the pools are so nice. b) Wynn. I imagine it's cheap these days with all their legal issues. It's not Boglehead-friendly but the suites with the private pool and bar are great. c) For kids, Mandal...