Search found 155 matches

by wije
Mon Dec 03, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2095

Re: ideas for a Xmas holiday in central Europe

Buying international train tickets, or even seeing the schedules can be surprisingly clumsy, though the German train system (bahn.de) is probably the easiest to navigate. Thanks curmudgeon. How about the GoEuro website? It seemed more straightforward, with bus and plane options as well. I appreciat...
by wije
Mon Nov 26, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2095

ideas for a Xmas holiday in central Europe

My wife always wanted to see what Christmas in Germany is like, so I booked a flight where we arrive at Munich on the night of December 20th. We're departing Munich on the morning of January 2nd, so we have about 12 days to see things. We'd like to see Prague, Vienna, and possibly Venice but haven't...
by wije
Sun Sep 23, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: vacation in the Ozarks
Replies: 15
Views: 1777

vacation in the Ozarks

We're currently in the Kansas City area and have never been to the Ozarks. We'd like to see them from Oct 5-8th to catch their autumn glory. Any suggested itinerary would be welcome.
by wije
Wed Aug 29, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3431

Re: Just put $100K into TUR. Analysis inside

princetontiger wrote:
Wed Aug 29, 2018 12:16 pm
The fact that you guys are so negative just confirms the value I am getting.
How would you have reacted if everyone had supported this play?
by wije
Tue Aug 28, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5507

Re: Colorado Summer Vacation - what to see and where to stay

Ok here's another question: which would you choose for a day trip, Mt Evans or Trail Ridge Road?
by wije
Thu Aug 16, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Chinese ETF or Gold or something else?
Replies: 17
Views: 1462

Re: Chinese ETF or Gold or something else?

HEDGEFUNDIE wrote:
Wed Aug 15, 2018 8:46 pm
Those money market funds I recommended pay 5% with minimal additional risk. 余额宝 Is already the world’s largest money market fund with almost $300B USD in assets. Not sure where you get the idea it’s not “serious”.
Would you recommend Chinese corporate bonds for US investors? Like DSUM or CBON?
by wije
Fri Aug 03, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5507

Re: Colorado Summer Vacation - what to see and where to stay

Do I need a SUV to drive up Mt Evans? I have a Honda Civic. :?
by wije
Sun Jul 15, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6102

Re: Which minivan?

I'm also in the market for something like a minivan. We just finished a 1,100-mile road trip in our 2010 Honda Civic and it was awful, the car jolted for every slight bump on the road and our two cats were freaking out. We're trying to have a baby and I don't want to put a pregnant wife through that...
by wije
Sun Jul 15, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 9.7" iPad 2018 (edited)

What did you get? The Boglehead in me went with 02nz's suggestion. I went to Costco and got the 2018 iPad for $399 with 128GB storage, along with an Apple Pencil.I also got a small Logitech Bluetooth keyboard from Best Buy for less than $30. A few days later, Serif announced it was launching Affini...
by wije
Sat Jul 07, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

The iPad should run Procreate just fine; with multitasking it will be slower than a Pro, but the basic experience will be fine. I see. Yes, I'm not familiar with tablets and did not know that RAM is not as important. At this point, my next major concern is that we're not in the Apple ecosystem and ...
by wije
Sat Jul 07, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

I thought you said you/your wife wanted a device that could be drawn on? She doesn't absolutely need such a device (otherwise we'd have gotten it much earlier). We're just trying to be prudent Bogleheads and get as much use out of our purchases as possible. With an iMac, my wife would have access t...
by wije
Sat Jul 07, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

I also like the stability of the iOS; W10 can be a little finicky at times, but not bad though. The SP is kinda expensive. I wouldn't buy one again; instead maybe an HP 2in1 if I wanted W10. I'm not a fan of W10 and ordinarily would not consider the price point of the SP (the Pixelbook is also unfo...
by wije
Sat Jul 07, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

You didn't clarify - are you taking notes by typing, or are you doing it with the stylus? If the latter, can you even write fast enough that way to keep up with a lecture? Most likely typing, although I had figured I'd write as fast on a tablet as on paper (how I normally take notes). I'll need to ...
by wije
Sat Jul 07, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

The Surface Pro can replace your wife's laptop, because it is basically a laptop. It might come to that. Her current laptop bought in Dec 2015 has an i3 processor, although it has a SSD, 12GB RAM, and a 15.6" display. It doesn't have a touchscreen display. One possibility, particularly since you're...
by wije
Wed Jul 04, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Re: Surface Pro(2017) vs 10.5" iPad Pro

michaeljc70 wrote:
Wed Jul 04, 2018 9:26 am
You could get anything really for note taking (cheap convertible Chromebook). I'm not sure why you need a tablet.
I need something that can be used with a stylus, and the lighter the better because I'll be on the move.
by wije
Tue Jul 03, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Surface Pro(2017) vs 9.7" iPad 2018 (edited)
Replies: 35
Views: 2837

Surface Pro(2017) vs 9.7" iPad 2018 (edited)

I've never owned a tablet and have just gone back to school. I need a tablet with keyboard to take notes (via OneNote) to share with my seminar (gone are the days of writing notes on paper). Since I most likely will have no use for the tablet after the 1-yr course is finished, I'm planning to pass i...
by wije
Mon Jul 02, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24083

Re: Vanguard to offer non-Vanguard ETFs commission-free

grok87 wrote:
Mon Jul 02, 2018 9:52 am
Cool now I can buy LTPZ (hopefully)
I understand how LTPZ is a great diversifier, but aren't you concerned with increasing yields?
by wije
Mon Feb 19, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 81
Views: 13540

Re: The Emerging Markets "lost decade" is over

In many respects, EM is a commodities play, and commodities haven't done well since about 2008. Not anymore. Buy emerging markets for the growth, not the commodities http://www.investmentnews.com/article/20180123/FREE/180129970/buy-emerging-markets-for-the-growth-not-the-commodities Emerging Market...
by wije
Mon Feb 19, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 81
Views: 13540

Re: The Emerging Markets "lost decade" is over

...China is a country that thinks long term about its future - as an old civilization it tends not to be myopic and focus on short term gains. Furthermore, he political structure encourages long term thinking. If anything, your points favour investing in China... That's exactly what many in the U.S...
by wije
Fri Jan 05, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: Investing in AQR funds
Replies: 10
Views: 1734

Re: Investing in AQR funds

lack_ey wrote:
Thu Jan 04, 2018 9:46 pm
Can anybody explain to me why they're benchmarking market neutral funds against Morningstar's moderate allocation benchmark and showing alpha and t-stats for alpha for that comparison?
I'm neither Taylor nor IFA, but perhaps they're criticizing the very idea of market neutral funds.
by wije
Mon Jan 01, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 194
Views: 28424

Re: TurboTax Prices

For those purchasing on Amazon: if you have linked your American Express Membership Rewards account, you can use the code AMEXSOFTWARE to get $15 off when you use at least 1 MR point to pay. I just got Premier for $44.02 that way. I tried clicking on your link, but it said I'm not eligible for the ...
by wije
Sat Dec 09, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best FEDVIP dental insurance for braces/orthodontics
Replies: 7
Views: 2897

Best FEDVIP dental insurance for braces/orthodontics

My wife is planning to get braces next year and we're shopping for the best insurance plan. My key question is: which should be the most important consideration- coverage or the lifetime maximum? GEHA offers 70% for orthodontics with a $2,500 maximum, while FEP BlueDental and Metlife offer 50% with ...
by wije
Mon Nov 13, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: 9-5 and a Side Hustle that's growing
Replies: 10
Views: 2755

Re: 9-5 and a Side Hustle that's growing

CyberGuy wrote:
Sun Nov 12, 2017 2:56 pm
a side hustle that over the last couple years has grown into 75,000-100,000 a year annual income stream.
I'm sure this is the wrong board to ask, but I'm curious what this lucrative "side hustle" is! :greedy
by wije
Sun Sep 24, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 11509

Re: Where do you get your news?

Economist magazine - I subscribe to the paper edition and this is my single best source of in depth news. It's not easy to answer your question without addressing how much our news is shaped by politics. The Economist is no exception although I confess it's better than most American news outlets. H...
by wije
Fri Sep 01, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: how British youth can invest in UK
Replies: 5
Views: 734

Re: how British youth can invest in UK

Thanks everyone! I can't believe brokerages charge fees just for having accounts with them, don't they want customers?? On the plus side, Vanguard UK appears to require smaller minimums to open funds than the American branch. That Lifetime ISA looks like a real winner. The government adds 25% to wha...
by wije
Wed Aug 30, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: how British youth can invest in UK
Replies: 5
Views: 734

how British youth can invest in UK

I have a British teenage niece for whom I'd like to help teach investing. As an American I know nothing about brokerages in the UK or if there are tax-deferred/advantaged retirement accounts that she can open. Her family isn't wealthy so we wouldn't be able to start with a large deposit.

Any ideas?
by wije
Thu Aug 10, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 3644

Re: Investing In Water

Here are some non-utilities ideas I gleaned from elsewhere: Irrigation: LNN and VMI are the most touted stocks for farmers, but TTC provides lawn products for consumers and has more potential Water rights: LMNR is the only play I'm familiar with Water for fracking: TPL: Texas Pacific Land Trust Anno...
by wije
Tue Aug 01, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Grading The Forecasters
Replies: 14
Views: 2608

Re: Larry Swedroe: Grading The Forecasters

After a certain President got re-elected in 2012, I was surprised to see how strong the stock market was afterwards. Goes to show that one should not mix investing and politics. After a certain President got elected in 2016, I was surprised to see how strong the stock market was afterwards. Goes to...
by wije
Fri Jun 30, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Why is it ok to avoid Chinese A Shares?
Replies: 41
Views: 4026

Re: Why is it ok to avoid Chinese A Shares?

As a result, investing in fast-growing emerging markets often only pays off if one can purchase shares at relatively low valuations. Here's a question- is it better to buy an ETF of a country that has a low CAPE, or an ETF that has a low P/E but represents part of the equity market of a country wit...
by wije
Thu Jun 29, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Why is it ok to avoid Chinese A Shares?
Replies: 41
Views: 4026

Re: Why is it ok to avoid Chinese A Shares?

hdas, I'll present a very different argument. If you're into market cap sort of investing then it's hard to avoid Simplegift's argument about how much China (and other EM markets) will grow in the next few decades. IMHO, A-shares represent real exposure to China (as opposed to Hong Kong-listed equit...
by wije
Mon Jun 19, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Opinions on this new fund: suitability for EM small and value
Replies: 22
Views: 4147

Re: Opinions on this new fund: suitability for EM small and value

Ok, aside from the small value benefit of EYLD, what about the buyback aspect? By buying back shares, the companies in the fund are reducing EPS dilution:

http://www.businessinsider.com/chart-of ... rns-2012-8
by wije
Sun Jun 18, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 29818

Re: A Current Perspective on Global Growth

This is line with the standard definition of the P/E ratio, which uses earnings-per-share in the denominator — as best I know. This makes it all the more frustrating how Morningstar and others provide "Long-Term Earnings %" but not on a per-share basis. Using the information you gave and previous p...
by wije
Thu Jun 15, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 29818

Re: A Current Perspective on Global Growth

Simplegift wrote:Not earnings-per-share alone, but price/earnings-per-share (P/E):
Ok I feel a bit dumb now, I had thought the E in P/E was total corporate earnings, not per share.
by wije
Thu Jun 15, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 29818

Re: A Current Perspective on Global Growth

This suggests that investing in growth countries is not necessarily the best way to success. Note that small growth is known as a "black hole". I've always seen EM as "value" investments given their low CAPE 10s, PEGYs and P/Bs compared to most developed markets and believed the greatest challenge ...
by wije
Thu Jun 15, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 29818

Re: A Current Perspective on Global Growth

Not all emerging markets have share dilution of 15%-30% per year — but it's a hazard of investing in fast-growing emerging economies, where the interests of existing shareholders are not necessarily paramount. Investors prosper not on earnings growth, but on growth in earnings per share. Sigh, so i...
by wije
Wed Jun 14, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 29818

Re: A Current Perspective on Global Growth

if china and india are so large, why isn’t this translating into a larger allocation to those countries in Vanguard Total Int'l? The difference is that most developed countries are much more highly “equitized” than emerging countries. Their equity markets have been around longer, and have played a ...
by wije
Wed Jun 07, 2017 5:40 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 4106

Re: E*Trade Account Closure fees

Noob question, but why close an IRA account? The closure fees are always higher than a simple transfer fee.
by wije
Sun Jun 04, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 29
Views: 5571

Re: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

You are right, of course: I know I don't know. And surely know very little about China. In this case though I don't intend it as a market timing move but as an attempt to give a more correct evaluation of A-share real market capitalization: the MSCI current proposal (0.5% of the EM Index) is clearl...
by wije
Tue May 30, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Entry onto Robotic Investing
Replies: 2
Views: 823

Re: Entry onto Robotic Investing

If I had to pick a robotics ETF, I'd go with BOTZ- one of the rare times I'd pick market cap over equal weighting. BOTZ allocates more to the big players that are generally outside the US: https://www.theverge.com/2017/3/15/14935360/automation-robots-ai-manufacturing-future-sxsw-2017 The problem wit...
by wije
Mon May 29, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Freezer not freezing
Replies: 6
Views: 969

Freezer not freezing

I've had a fridge which came with our house for over 7 years. Recently I've noticed some items aren't freezing completely. The ice box has frozen water on the bottom, indicating ice cubes would melt and then refreeze.

Is this a problem worth fixing, or should I get into the market for a new fridge?
by wije
Wed May 24, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Moody's cuts China's credit rating
Replies: 7
Views: 1611

Re: Moody's cuts China's credit rating

And how did Moody's rate our banks prior to the 2008 subprime collapse?
by wije
Sun May 21, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance for visiting the US
Replies: 10
Views: 1546

Medical Insurance for visiting the US

My 69 year-old mother-in-law is visiting the US from another country for about four months, and I don't think my plan will cover her because it's "Self Plus One." Has anyone here had experience getting travel medical insurance for visiting relatives or friends?
by wije
Tue May 16, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Artificial Intelligence ETF
Replies: 12
Views: 3634

Re: Artificial Intelligence ETF

Leo, I basically agree with nisiprius, especially the parts where he argued whatever future premium will be already baked into the price (ie tons of other people also had the great idea to invest in AI). Nanalyze.com is a decent website that discusses future trends. I don't agree with all their inve...
by wije
Sat May 13, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 47
Views: 8496

Re: Case against long-term TIPS

I'd like to revive this thread because I'm considering adding LTPZ to diversify my portfolio (NOT as a standalone investment). I see that LTPZ has a high correlation with nominal bonds which leads me to question the benefit of choosing this over EDV or ZROZ. Thoughts?
by wije
Wed May 03, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Article On Enhancing Momentum Strategies
Replies: 60
Views: 7609

Re: Larry Swedroe Article On Enhancing Momentum Strategies

Imagine reading this: The evidence supporting the existence of an equity risk factor is persistent across time, pervasive around the globe and across asset classes, robust to various definitions, and implementable. One of the critiques of this factor is that it has a dark side, being subject to cra...
by wije
Fri Apr 21, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 4062

Re: Improving my Math Skills

What sort of math skills would help the most in investing?
by wije
Sat Apr 15, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch advisory fees
Replies: 25
Views: 4537

Re: Merrill Lynch advisory fees

BogleFanGal wrote:Guess what? We were just hit with a $50 "account closing" fee when we transferred to Vanguard this year and they're refusing to refund it, claiming that's their standard policy.
I think that fee is pretty standard for many retirement account brokerages.
by wije
Sat Apr 15, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Decisions: LENDX, SRRIX and QSPIX
Replies: 60
Views: 10765

Re: Allocation Decisions: LENDX, SRRIX and QSPIX

Our advisor is one of the low cost advisors. They offer various levels of service. We go with their bare bones service which is low cost but it doesn't provide a lot of extra hand holding. It's probably not for everyone but it works for us. Actually that sounds right up my alley. If you don't mind ...
by wije
Fri Apr 14, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Alternative sources of return
Replies: 11
Views: 1531

Re: Alternative sources of return

I'm not seeing SCIX's low correlation to the market. It seems to track with AAXJ which is a cap weighted (beta) fund from a similar list of countries. Actually, SCIX mostly covers developed countries like Australia and Singapore, so it would make more sense to compare with PAF or VPL. On portfoliov...
by wije
Thu Apr 13, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative sources of return
Replies: 11
Views: 1531

Re: Alternative sources of return

SCIX has a remarkably low correlation with the market. Also there's GHS and GHE for a gold overlay over equity. Their liquidity isn't great, though.