Search found 316 matches

by peterinjapan
Wed Feb 21, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 24
Views: 2340

Re: Thinking about selling GE to invest in an index fund

Remember that if you sell and take a loss, all you have to do to offset that loss is get some profit elsewhere. I am trying to get away from single stocks, but I just can't do it 100%.
by peterinjapan
Wed Feb 21, 2018 2:02 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 47
Views: 4752

Re: Expat Living

Interesting thread. I am an American living abroad, in Japan, not retired but working towards that goal. I'll say that you should read book, study a lot, and maybe take short two week trips to a bunch of countries. My own goal is to live for 3-5 years in Spain or Portugal, then maybe 10 in Malaysia ...
by peterinjapan
Sat Feb 10, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: From EJ to Vanguard to Schwab
Replies: 21
Views: 1987

Re: From EJ to Vanguard to Schwab

I also dislike Vanguard, because a) their general approach is confusing to me (instead of "buying" some mutual fund I "move" money from their money market fund into another fund), and b) they are the most hostile company to an American living abroad I have ever encountered. Fidelity is my own recomm...
by peterinjapan
Fri Feb 02, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6051

Re: Your bond allocation when you were 48

I am dumb so 10% bonds, age 49. I'm crazy right? Yes I know.
by peterinjapan
Wed Jan 31, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Do it myself or hire a pro?
Replies: 27
Views: 2394

Re: Do it myself or hire a pro?

Congratulations on your windfall! There's lots of good advice here, I also really enjoy Congratulations on your win fall! There's lots of good advice here, I also really enjoy Paul Merriman's podcasts. Be wary of low quality sites like Reddit.
by peterinjapan
Wed Jan 31, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer- Tips?
Replies: 18
Views: 1665

Re: First time home buyer- Tips?

It is very easy to make mistakes won't using a house, so take a lot of time for this part. Things like, thinking you won't mind a certain noise level when you will six months later, or a little bit tails that your mess, and with your agent WILL NOT tell you about, because he wants the deal to go thr...
by peterinjapan
Fri Jan 12, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Paid mortgage: Now what do I do?
Replies: 21
Views: 2711

Re: Paid mortgage: Now what do I do?

Read through all the sample portfolios on the Bogleheads site. Basically start building net worth, starting with tax advantaged (esp. anything with a match) first, then taxable accounts. You are young so it might be okay to be 100% equities, based on broad indexes.
by peterinjapan
Thu Dec 28, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5908

Re: The Growing Peril of Index Funds: Too Much Tech

Thanks for the excellent explanation, nisiprius! It can be so easy to lose track of how all the mechanical stuff works.
by peterinjapan
Wed Dec 27, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 4042

Re: Miata as second car

I’d like to chime in and say how awesome the Miata is as a car. I’ve owned four and loved them all. And a very affordable toy, if you get one that’s old enough.
by peterinjapan
Mon Dec 25, 2017 6:34 am
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13625

Re: Will you take this Fidelity bait ?

I *love* Fidelity. They are a more traditional company (Vanguard has a lot od strange things to learn that are unique to Vanguard), have great staff and service, and the Fidelity apps are *dreamy* to use. The one downside is, buying non “free to buy” mutual funds including those from Vanguard is not...
by peterinjapan
Sun Dec 17, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 3887

Re: 28 Years Old: In the current market, what % into bonds?

I'm 90/10 equities and bonds and I'm about to turn 50. I'll tell you later whether I was genius or stupid.
by peterinjapan
Sun Dec 17, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3359
Views: 964077

Re: What Movie Have You Recently Watched?

I loved Star Wars, but mainly because I watched it with my son. Kind of hard not to love Star Wars when watching it with one's son. I do wish JJ Abrams wouldn't mess up every universe it touches. They have limitations for a reason. Now we have to say of every space battle, why didn't you just [redac...
by peterinjapan
Sun Dec 17, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 90
Views: 8163

Re: Paul Merriman and Small Cap Value

Thanks for the info, Venkman. Do you or anyone have a favorite way to play SCV? I guess I'll look at iShares IJS since I'm an iShares kind of guy.
by peterinjapan
Sun Dec 17, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating company stock
Replies: 3
Views: 250

Re: Liquidating company stock

Not an expert, but do you want to sell some in 2017 and more in 2018? Is there any target you're trying for, like keeping your total income below a certain amount to not lose some benefits?
by peterinjapan
Sun Dec 17, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Terminology: condo vs apartment
Replies: 26
Views: 2211

Re: Terminology: condo vs apartment

We love our condo in downtown San Diego, it's so convenient and fun. I look forward to retiring there...someday.

Fun fact: in Japan a high-end condo (made of steel, not good) is referred to as a "mansion." If it's made of wood, it's an "apartment."
by peterinjapan
Sun Dec 17, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How invest Bitcoin Gold/Cash using ACH
Replies: 24
Views: 2276

Re: How invest Bitcoin Gold/Cash using ACH

Am I really reading a dozen or so new threads about Bitcoin on BH?
by peterinjapan
Sun Dec 17, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ripple and Ethereum: Which exchange do you use and do you recommend it?
Replies: 14
Views: 1972

Re: Ripple and Ethereum: Which exchange do you use and do you recommend it?

I like and recommend Coinbase. At least if there's a big problem you'll have lots of company.
by peterinjapan
Tue Dec 12, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6253

Re: Any of you trade just a little as a hobby?

I recently started teaching my son about stocks and investing, and gave him some "play money" ($30k that he earned over a few years) to do with what he wanted. Making mistakes, which he made, has been very educational. The [little one --admin LadyGeek] also put $10k into the Bitcoin trust and triple...
by peterinjapan
Mon Dec 11, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Home Mortgage vs Bonds
Replies: 13
Views: 1174

Re: Home Mortgage vs Bonds

I should do 60/40 but I just can’t. I’m 90/10 but three investment properties I consider my “anchor.”
by peterinjapan
Mon Dec 11, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 11
Views: 973

Re: Quantity of places to hold assets

A brokerage is not a bank, and you don’t lose what you own if they have financial trouble, so it should be fine to go with one company. Vanguard is excellent, and the preferred place here, but I’ll suggest Fidelity, who has really impressed me on all fronts. The one downside with them is, you can’t ...
by peterinjapan
Mon Dec 11, 2017 4:58 am
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6253

Re: Any of you trade just a little as a hobby?

I don't trade, but I do have non Boglehead Approved® investments and I enjoy them. I even have some Bitcoin, just for the entertainment value.
by peterinjapan
Mon Dec 11, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1808

Re: Japan in summer

Have fun! Workout ahead of time what to see, so you don't miss anything. My one favorite thing in Kyoto is Sanjusan-gendo or the Hall of 33 Bays. It's breathtaking, 1000 carved Buddha statues. Kyoto in the summer is super hot though.
by peterinjapan
Sun Dec 10, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11722

Re: 2018 financial goals - what are yours?

Build on the success of 2017. Keep paying down "bad" debt while not worrying about "good" debt. Keep teaching my son about investing, since we're having fun learning together. Maybe find a new way to hedge. (Considering buying some RVs to rent for income through my sister, who could use the help her...
by peterinjapan
Thu Dec 07, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 2921

Re: 4WD necessary/recommended on Big Island, HI

Also, Kona is much nicer than Hilo. Hilo is the commercial city, nothing much over there, but Kona was lovely. The weather is somehow always nice there.
by peterinjapan
Thu Dec 07, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 2921

Re: 4WD necessary/recommended on Big Island, HI

I was on Big Island with my son, rented a super powerful Toyota 4x4 to drive up Mauna Kea, which is an experience I totally recommended. We had a ton of rain the next day, roads washed out all over, and used the 4x4 to get over that too.
by peterinjapan
Thu Dec 07, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7380

Re: Bitcoin now the largest quantifiable bubble in history?

There are some use cases. People in Europe are working and sending money home via BTC to their families. I bought some meds I want to keep private using BTC just because it seemed like a fun thing to do in 2017. Seems irrational to me. A code generated coin without intrinsic value, that has little p...
by peterinjapan
Thu Dec 07, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 7380

Re: Bitcoin now the largest quantifiable bubble in history?

I bought "a little" ($2000 of BTC, $5000 of ETH plus a small chunk of the GBTC trust). Mainly so I can enjoy the ride, which is what investing is about for me, after my net worth got more than $3 mil. Also my son is doing it with me, so we're both learning about it together. There are a lot of "grea...
by peterinjapan
Thu Dec 07, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1200

Re: National Pearl Harbor Remembrance Day

I'm an American living in Japan for 25 years, and it's been fun bringing my kids to all the places they need to see as part of their heritage. Pearl Harbor, the Intrepid in New York, the Iowa in Los Angeles, Hiroshima, Arlington.
by peterinjapan
Mon Nov 27, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10033

Re: What did you do right?

This probably is not all of it: 1) Married a super woman who is not a spender, and only married once 2) A good education including a MBA that really helped me understand how the financial system works 3) Always live below our means; don't respond to peer pressure to keep up with others or project a...
by peterinjapan
Mon Nov 27, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10033

Re: What did you do right?

I have never carried any debt other then home mortgage (even then we put 50% down). Paid cash for cars. Have always used credit cards as a convenience and paid off credit card bills in full every month for 30+ years. It just has always felt really good not really owing any money and not being on "t...
by peterinjapan
Mon Nov 27, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10033

Re: What did you do right?

Bracket wrote:
Sun Nov 26, 2017 10:00 am
Right:

Wrong:
Good point, we need a What did you do wrong thread.
by peterinjapan
Mon Nov 27, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: iPad - Best Bang for your Buck
Replies: 12
Views: 1061

Re: iPad - Best Bang for your Buck

Try them out before you buy. Honestly, iPad is a quality device, I use mine 3-4 hours a day and take it exclusively when traveling. One downside is, the 10.5” might be too breakable, I’ve broken my screen twice in 6 months.
by peterinjapan
Sun Nov 26, 2017 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Bonds: Why?
Replies: 29
Views: 2496

Re: Bonds: Why?

And yet, I watch when things to up and down and try to get a feel for what goes up/down and how much. My general impression is JNK = high yield, dangerous for various reasons but quite interest rate resistent LQD = corporate bonds, safe but slightly longer term, subject to going down if rates rise q...
by peterinjapan
Sun Nov 26, 2017 4:28 am
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5400

Re: if you could use only 1 investment firm...

I frigging love Fidelity. Their website is great, their iOS and iPad apps are perfect, and trades are $5. The one downside to folks here: non "free" mutual fund trades are $75, meaning trading Vanguard funds through them is not realistic. (It's fine to hold what you've got though, and I have a few.)
by peterinjapan
Sun Nov 26, 2017 4:19 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11723

Re: Didn't buy Bitcoin at $4600

I bought at like $5200 did, but only because I'm trying to prove a point to my son about silly speculating. We'll see where it goes.
by peterinjapan
Sun Nov 26, 2017 4:17 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4483

Re: Trip to Hawaii - what do I need to know

I *loved* Hawaii. The sprawl of Waikiki was not good, though my wife (being Japanese) loves it. I had more fun driving around Oahu in our rented jeep, up to North Short and back down again. Big Island was also fun, though we specifically prepared for visiting the top of Mauna Kea, which is hard to d...
by peterinjapan
Sun Nov 26, 2017 3:09 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10033

What did you do right?

Two things I've been lucky enough to do right: a) First, I started a business way back in 1996. Obviously starting a business and not going bankrupt is a smart thing to do, but in my case I found there were many benefits I got personally from the company, things like laptop computers and iPhones pai...
by peterinjapan
Thu Nov 23, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 77
Views: 6127

Re: Best Basic DESKTOP?

My vote would be for whatever the best Intel NUC for tour needs is. Tiny yet reliable, very powerful, and easy to find a dozen uses for it younreplace it in a few years.
by peterinjapan
Sun Nov 12, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: iShares Core Builder–use as lazy portfolio guide?
Replies: 10
Views: 1348

Re: iShares Core Builder–use as lazy portfolio guide?

I love that guide, it's one of the things that got me into iShares, which I hold a lot of. Very straightforward and easy to understand, and ETFs based, which I believe to be the "future" unlike mutual funds, which have a lot of extra baggage as well as higher costs (impossibly higher costs depending...
by peterinjapan
Wed Nov 08, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3304

Re: Business Laptop Suggestions Request

Consider Macbook. I do a lot of serious Windows development in Parallels, which lets you run Windows inside your Mac at full speed.
by peterinjapan
Wed Nov 08, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 14372

Re: How old are you and how much do you save for retirement a year

I'm an American living in Japan and I an banned from making 401(k) contributions. Or, I can make them but Japan will tax them because Japanese people save too much as it is. So all my money (except for my old IRA that I can't add money to) is in taxable stock accounts, plus three investment properti...
by peterinjapan
Mon Nov 06, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: tips to build good savings habits
Replies: 7
Views: 1304

Re: tips to build good savings habits

I personally try to set yearly goals, like to add $30k to my investment portfolio, each year. Then I can divide by twelve and figure what I need to do on a month by month basis. Every February I reward myself by updating my spreadsheet to see how investments rise and debt has fallen. (I am also payi...
by peterinjapan
Mon Nov 06, 2017 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Should I open an account with Vanguard?
Replies: 28
Views: 2449

Re: Should I open an account with Vanguard?

I personally recommend Fidelity. Reasons a) ETF centric vs Mutual Funds. $5 trades, or free, except $75 for non-free mutual funds, so you obviously want to stick to ETFs or funds that are free to trade. b) Much more straightforward approach. I found Vanguard confusing and just a little cult-like. c)...
by peterinjapan
Wed Oct 11, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 16882

Re: [Boglehead vs Mr Money Mustache philosophies]

Bogoeheads love mutual funds more than they should when ETFs are often a better option. And Bogleheads _love_ Vanguard.
by peterinjapan
Sun Oct 08, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: What is a “bond bubble”?
Replies: 35
Views: 3670

Re: What is a “bond bubble”?

livesoft wrote:
Sun Oct 08, 2017 4:36 am
That makes me think then that a ladder of individual bonds might be superior for capital preservation than a bond fund.
One thing I know about Bogleheads is that they strongly dislike buying bonds directly.
by peterinjapan
Sun Oct 08, 2017 3:11 am
Forum: Investing - Theory, News & General
Topic: What is a “bond bubble”?
Replies: 35
Views: 3670

What is a “bond bubble”?

I’ve been hearing various people in the financial press talking about how there’s a bond bubble, naturally after I just made a large purchase of bonds to balance my portfolio out more. While I hold all my bonds in very broad index funds (BND and AGG plus a little LQD), I realized I had no idea what ...
by peterinjapan
Tue Oct 03, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Need compact point and shoot camera recommendations
Replies: 32
Views: 2319

Re: Need compact point and shoot camera recommendations

I've loved the small "prosumer" Canon camera I've owned in the past, always wonderful to take on a trip. I find I hate the Olympus OM-D E-M5 I am trying to use because of its bad design and complexity, so I never take the camera with me anywhere and just use my iPhone. So keep all that in mind.
by peterinjapan
Tue Oct 03, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3687

Re: We're Debt Free (Except our House)!

Congrats! I'm counting down to paying off my mother's house, then one more rental unit I own, in 4~5 years.
by peterinjapan
Tue Oct 03, 2017 2:51 am
Forum: Investing - Help with Personal Investments
Topic: when current 401K options suck
Replies: 17
Views: 1332

Re: when current 401K options suck

I have only American funds, all obfuscated and all with a 1.3% expense rate or so. Does anyone know if you always have the right to transfer from one 401(k) providor to another, like to Vanguard?