Search found 466 matches

by peterinjapan
Sun Nov 18, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2761

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: 6423

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: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5643

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: 1742

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: 23
Views: 1831

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: Investing - Help with Personal Investments
Topic: Add on CD as insurance against falling rates
Replies: 4
Views: 644

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: 4800

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: 23
Views: 1831

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: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3632

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: 3891
Views: 1088372

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: 4086

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: 4635

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: 3906

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: 5225

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: 10645

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: 8605
Views: 1677489

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: 3456
Views: 1024330

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: 8605
Views: 1677489

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: 13074

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: 76
Views: 6046

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: 15785

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: 658
Views: 83552

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: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3038

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: 7641

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: 3421

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: Investing - Help with Personal Investments
Topic: Should I sell or rent my house?
Replies: 22
Views: 1926

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: 9432

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: 3777

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: 9115

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: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10861

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: 2286

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: 4673

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: Investing - Help with Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 4
Views: 990

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: 25783

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...
by peterinjapan
Tue Sep 18, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3764

Re: Should I get a new iPhone?

I'm on the fence. Mainly I want to see if the new larger phone will be more readable, since I have terrible presbyopia. I can't even read the solitaire cards on my Apple watch (#FirstWorldProblems).

I do love the photography and if I buy it will be because of the better cameras.
by peterinjapan
Tue Sep 18, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3608

Re: Equity in house / Do you use it?

I use the equity in my two homes...to sleep well at night.
by peterinjapan
Tue Sep 18, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2929

Re: Laddered CDs

I love the Fidelity Laddered CD tool. It's "set and forget" and I have one in my IRA.

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
by peterinjapan
Tue Sep 18, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2326

Re: how do/did you teach your kids finances/investing?

Gave all three of my kids a 15 point document explaining what investing is, what saving is, what stocks and bonds are. Gave them six months to digest. Son took to it and we have great fun reading books and sharing stock ideas together. Daughter was not interested in learning, so I set her up with Be...
by peterinjapan
Fri Sep 14, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1556

Re: How to overcome regrets/fears?

I just hold my nose and jump in, and only check my stocks...every damn day because I can't help it.

When they go up, I get the dopamine shot I know I'm addicted to. When they go down, I feel bad, and share dank memes on /r/wallstreetbets
by peterinjapan
Thu Sep 13, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 55
Views: 6172

Re: Ray Dalio’s latest fearmongering round

I don't know a lot, but I know that Bogleheads get grouchy when you imply that their future returns will be impacted in any negative way in the near future.
by peterinjapan
Wed Sep 12, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6176

Re: Vacation house? Need objective third party

When my kids were small, we rented (for two years), then bought a nice vacation home (well, a kind of "luxury apartment" with a hot springs bath) up in the mountains above Karuizawa, Japan. We have many great memories with the kids, and enjoyed doing things you can only do on a mountain like play wi...
by peterinjapan
Wed Sep 12, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16169

Re: iPhone XS Max

I'll probably get one. I'll check it out and see before I decide. What I'm looking for is a) does it really feel the same as my current iPhone 8 Plus in the hand (it seems to be the same size) b) is "horizontal mode" improved? It seems cool in practice, use your phone like an iPad mini and get some ...
by peterinjapan
Wed Sep 12, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 4189

Re: Vanguard is requiring cell phone security codes - problem for international travel

Vanguard *hates* all customers who live or travel abroad. If you're an American who uses their service and commit the sin of living abroad for a year or more, be sure and hide this from them. Especially if they manage accounts for you.
by peterinjapan
Wed Sep 12, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4348

Re: Fidelity, Schwab, or Vanguard

Vanguard is incredibly difficult to work with. I am a filthy American who dares to live most of the year in a foreign country, and Vanguard was so hostile to me, I could not believe it (the implication was they would be sued if any of their actions caused negative tax consequences for me). Much happ...
by peterinjapan
Wed Sep 12, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3702

Re: Bike computer or Apple Watch?

And, oh my, a new Apple Watch was just announced.
by peterinjapan
Sat Sep 08, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5525

Re: Is individual Bonds better than Bond Fund?

One thing I know about Bogleheads in general is that they can be VERY against individual bonds. It makes sense -- if you hold 5-8 different bonds, that's a lot of risk. OTOH, my advisor at Fidelity recommends holding some bonds individually, as long as they're investment grade. So I don't know which...
by peterinjapan
Sat Sep 08, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1783

Re: Buy a house that needs full renovation?

Also, can you/would you like to do some of the work yourself? My sister's worthless ex-husband had one positive trait, the ability to cut and plane wood, pull out and replace a bathroom, and so on. He saved himself lots of money flipping homes back when he was doing that.
by peterinjapan
Fri Sep 07, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3702

Re: Bike computer or Apple Watch?

Honestly, the Apple Watch is amazing, and a new version is around the corner. I recommended looking at one if you’re already an iPhone user.
by peterinjapan
Wed Sep 05, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4552

Re: Experience With No Car? (Uber/Lyft)

I love driving my BMW 128i convertable (the cheapest BMW you can buy) too much to ever do without my car. But if I lived in more convenient city, or a less fun-to-drive-in city than San Diego, I'd be open to that. Is bicycle and public transportation an option too?