Search found 380 matches

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: 4
Views: 225

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: 56
Views: 4400

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: 506

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: 13050

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: 40
Views: 2905

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: 46
Views: 4381

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: 1422

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: 2411

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: 4737

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: 4737

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: 21
Views: 2051

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: 36770

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: 50
Views: 2995

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: 13416

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: 7809

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: 2817

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: 7912

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: 826

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: 639

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: 8204

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: 862

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: 491
Views: 28906

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: 968

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: 5563

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: 11571

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: 425

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: 1156

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: 10769

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: 8215

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: 1488

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: 12639

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 1.60 [Money Market Rate To 1.60% APY]
Replies: 40
Views: 3333

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: 6171

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: 3323

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...
by peterinjapan
Mon Apr 16, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2723

Re: Help with CD ladder strategy for emergency fund

Fidelity's brokered CDs are up to 2.65 for the 2 year, I'm still hemming and hawing about whether I want to build a ladder of these.
by peterinjapan
Fri Apr 13, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 9002

Re: Why am I even holding BND? It has only been losing me money.

I'm glad I'm not the only one experiencing this. I held $40k in BND for 3 years and got $200 total in total increase. My new plan is a CD ladder (brokered CD through Fidelity), now that rates are up to 2.6%, with a total return of something like 2.3% for the whole CD ladder (moving up as time progre...
by peterinjapan
Thu Apr 12, 2018 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 19
Views: 3207

Re: Any opinion on Popular Direct?

I am a satisfied customer of Popular Direct. That said, the current "2.00% for new customers only" promotion grinds my gears. I might switch away from them as punishment.

https://www.populardirect.com/products/ ... ve-savings
by peterinjapan
Wed Apr 11, 2018 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
Replies: 17
Views: 2637

Re: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?

Great post. I am currently trying to figure out what 'balancing' strategy I should be pursuing. I have held $40,000 in BND which somehow managed to net me a profit of $200 over 3-4 years, according to Fidelity (the price declined as the money came in), which frustrated me. I'm considering a CD ladde...
by peterinjapan
Wed Apr 04, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Banks for Brokered CDs
Replies: 4
Views: 748

Re: Banks for Brokered CDs

I really like Fidelity? 2.6% for 2 year, seems great to me!
by peterinjapan
Mon Apr 02, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 6911

Re: Considering a CD ladder

I have been holding off buying CD's or building a CD ladder because I just don't see the big advantage. Is it really that much of a risk to purchase a short term investment grade bond fund such as VFSUX with a sec yield of 2.79%? I realize this fund could lose a little value (-.069% YTD) if interes...
by peterinjapan
Thu Mar 29, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 113
Views: 12931

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

I made a killing on AAPL and FB so I don't mind.
by peterinjapan
Thu Mar 29, 2018 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Interest only vs. Traditional mortgage
Replies: 7
Views: 882

Re: Interest only vs. Traditional mortgage

I always recommend 15 year loans. It forces you to focus on repayment and you get like 1% lower, or nearly so, overall.
by peterinjapan
Sat Mar 24, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24086

Re: Anyone Deleting Facebook?

I will keep using Facebook, but mostly for my Internet marketing and less for personal use. The reason is, I realized the old saying of "if you're the smartest person in the room, find another room" applies, and I am never finding smart or intelligence discussions there...just looking at pictures of...
by peterinjapan
Wed Mar 21, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 6911

Re: Considering a CD ladder

You reference the 2 year 2.55% CD but a total APY of 2.2% for the ladder. I too have thought about a ladder but considering taking the term risk and just going with the 2 year since it's a nice .50% bump over the 1 year or .40% bump over the 13 month shown on Vanguard site. So how many ladder rungs...
by peterinjapan
Wed Mar 21, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 6911

Re: Considering a CD ladder

lahob wrote:
Wed Mar 21, 2018 11:53 am
I can't understand how you only made $200 holding $40k of BND for 3 years, but that doesn't change the answer to your question.
That's what Fidelity tells me in the total profit. I have always had auto re-investing of distributions set to on.
by peterinjapan
Wed Mar 21, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13034

Re: What is your favorite reasonably priced bourbon?

I really like Nikka Yoichi, a nice flavor that's not high-end and very approachable. Sort of a cross between Yamazaki and Hakushu by Suntory.
by peterinjapan
Wed Mar 21, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 6911

Considering a CD ladder

One thing I struggle with is holding bonds. I'm 49 years old and hold only 7% of my portfolio in bonds. I know one holds bonds to provide stability and ballast rather than profit, but I've one of my bond holdings was $40k worth of BND, held since 2015, have yielded an actual profit of...$200. Becaus...
by peterinjapan
Wed Mar 21, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14731

Re: Large life style creep that was completely worth it

A really nice condo in San Diego. Something for my wife and I to enjoy in our silver years.