Search found 37670 matches

by Valuethinker
Sat Jun 08, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7848

Re: US stocks still look better than anywhere else

Not surprised in the least. Still holding 0% international in my AA, just got back from travels in Europe.... sufficed to say after nearly having to beg for my bill each time so I could leave (you “rent” the table for the night), and get yelled at because I sat at a table to drink my latte (after n...
by Valuethinker
Fri Jun 07, 2019 4:35 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 2980

Re: Late developer ..... (UK)

one of the reasons I suggest avoiding the gilt index fund is that the modified duration of the gilt index is around 13 years. You are getting paid 1.6% yield, say, to take a lot of interest rate risk @ Valuethinker Thank you for answering a question I have been struggling with. I hold VGOV in my po...
by Valuethinker
Fri Jun 07, 2019 7:04 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 2980

Re: Late developer ..... (UK)

Then it is a really good investment: the 1 in 100, in my experience. I was in the right place at the right time (lucky). When selling, I was thinking of putting the shares in joint names (along with my wife) in order to take advantage of both of our CGT allowances. If I could arrange to sell one pe...
by Valuethinker
Fri Jun 07, 2019 6:07 am
Forum: Non-US Investing
Topic: Bond choices [Hungary]
Replies: 2
Views: 221

Re: Bond choices [Hungary]

[*] I distrust Hungarian companies, too, and therefore don't want to hold any Hungarian stock. [/list] (Both are related to political events of the past.) Hungary is a tiny fraction of global stock and global bond indices, so that's not too much of a worry if you hold the global portfolio. Portfoli...
by Valuethinker
Fri Jun 07, 2019 3:05 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2765

Re: Buying Burial Plot in advance

Hi, Has anybody had any experience with buying burial plots? Would it really be cheaper to buy it earlier than later? I’m 39 years old male with a wife and two children. I’ve heard about burial plots as an investment. I don’t have any plans to use it as an investment vehicle, but rather buy the plo...
by Valuethinker
Fri Jun 07, 2019 2:56 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7848

Re: US stocks still look better than anywhere else

True, and the talent flows to Silicon Valley from all over the world, which is a particularly amazing self-perpetuating success story of immigration. No other country has such a powerful talent magnet. The US in general has been the beneficiary of a global brain drain to a degree that no other coun...
by Valuethinker
Fri Jun 07, 2019 2:33 am
Forum: Non-US Investing
Topic: Investment Advice/ Risk assessment
Replies: 6
Views: 696

Re: Investment Advice/ Risk assessment

Hi I am wanting an investment/ risk checkup of my current investments and a rain-check of what I should be considering moving forward. Keeping in mind I am Hong Kong based and not a US citizen (so no capital gains tax, tax on dividends, etc...) I have converted all $ to USD for ease of the readers ...
by Valuethinker
Thu Jun 06, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: REIT yields and real estate cap rates
Replies: 16
Views: 894

Re: REIT yields and real estate cap rates

I wonder why REIT yields are not higher. Vanguard's site says the dividend yield of VNQ is 3.64%. At CBRE I see cap rates for different kinds of real estate as follows: 6.34% Industrial 7.50% Retail 5.26% Multifamily 7.97% Hotel 6.71% Office If a typical cap rate on real estate is 6% why can't the ...
by Valuethinker
Thu Jun 06, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7848

Re: US stocks still look better than anywhere else

Not surprised in the least. Still holding 0% international in my AA, just got back from travels in Europe.... sufficed to say after nearly having to beg for my bill each time so I could leave (you “rent” the table for the night), and get yelled at because I sat at a table to drink my latte (after n...
by Valuethinker
Thu Jun 06, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4860

Re: Company requiring salaried employees to clock in?

1) In a true emergency, it is impossible to know who is in or out. Nobody is going to clock out if the building is on fire (nor should they). In the UK, companies are legally required to have that record, for fire and other safety reasons. Also of visitors. The firefighters and Emergency Services n...
by Valuethinker
Thu Jun 06, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4860

Re: Company requiring salaried employees to clock in?

I'm in a healthcare setting when my employees are late the patients get upset. In that kind of environment, it makes sense. There are appointments, shifts, etc that need to be met. In the software industry, that doesn't make sense. We have a release going out next week, so we need to finish up a fe...
by Valuethinker
Thu Jun 06, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4860

Re: Company requiring salaried employees to clock in?

Hello all! I work for small manufacturing company and starting next week they are requiring all salaried employees to clock in/clock out. They didn't state a reason why, though I believe its because some people come in late. My first thought was whether it is even legal to do it, but after research...
by Valuethinker
Thu Jun 06, 2019 9:45 am
Forum: Non-US Investing
Topic: Investment Advice/ Risk assessment
Replies: 6
Views: 696

Re: Investment Advice/ Risk assessment

- fall in rents accompanying recession. I happen to believe NZ is in the middle of the same property bubble that has infected Vancouver, Sydney, Melbourne, Brisbane, Toronto. Small point, Brisbane was not included with Sydney and Melbourne. Many expected the boom a few years after Sydney as everyon...
by Valuethinker
Thu Jun 06, 2019 9:19 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5612

Re: How would you invest a lump sum of 3 million dollars in today's market?

Hey all, I'm pretty new to investing and recently acquired a little over 3 million dollars. I'm in my mid 30's, debt free, and currently all the money is sitting in a high interest savings account (2.25%). I would like a comfortable emergency fund, say $500k. But really I can think about long term ...
by Valuethinker
Thu Jun 06, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another Housing Thread (Gut Check)
Replies: 28
Views: 2150

Re: Yet Another Housing Thread (Gut Check)

Don't buy a house together (meaning both on the mortgage) with a girlfriend- no exception. If you want to buy a house on your income, you sign the mortgage and then have a girlfriend roommate? Ok, but if you break up you own a house. I completely agree. I've never seen a situation where this works ...
by Valuethinker
Thu Jun 06, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3182

Re: Refrigerator Advice

So, our refrigerator died recently. Which brands do you like? Who should we stay away from? Is it true that newer eco-friendly units are too noisy? Anything features we should avoid? Any new features that are must-haves? Ok, not a popular strategy, but here is what we did. We went to a bunch of peo...
by Valuethinker
Thu Jun 06, 2019 7:35 am
Forum: Non-US Investing
Topic: Investment Advice/ Risk assessment
Replies: 6
Views: 696

Re: Investment Advice/ Risk assessment

Hi I am wanting an investment/ risk checkup of my current investments and a rain-check of what I should be considering moving forward. Keeping in mind I am Hong Kong based and not a US citizen (so no capital gains tax, tax on dividends, etc...) I have converted all $ to USD for ease of the readers ...
by Valuethinker
Wed Jun 05, 2019 10:47 am
Forum: Non-US Investing
Topic: UK Bond ETF allocation options
Replies: 13
Views: 897

Re: UK Bond ETF allocation options

Hi, This is an interesting article. Slightly off topic but I am learning that many products mentioned in books etc (I am an avid reader) are not always available to us here in the UK and when you are a beginner it is not always straight forward. Best regards You have to navigate around the platform...
by Valuethinker
Wed Jun 05, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Being a conservative investor is not always a bad thing
Replies: 30
Views: 2309

Re: Being a conservative investor is not always a bad thing

Interesting chart shows bond returns vs. stocks over the last 20 years https://realinvestmentadvice.com/wp-content/uploads/2019/03/SP500-Bonds-Total-Return-2000-Present.png This is really sensitive to the end points chosen. Picking the start as the year before the deflation of the largest stock mar...
by Valuethinker
Wed Jun 05, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 3043

Re: Solar - when replacing roof?

30 year warranty from the installer? Really? Have you been able to find a skilled tradesman who has been in the business for more than 5 years without having gone through name changes? I agree an installer warranty probably is only good for 5 to 10 years, max. Panel warranties. There's been so much...
by Valuethinker
Wed Jun 05, 2019 5:16 am
Forum: Non-US Investing
Topic: Any advice on my situation?
Replies: 17
Views: 1378

Re: Any advice on my situation?

I know most of the basics of the Bogleheads way, but wanted to see if I was missing anything and get peoples input.... I’m in a fairly good place financially - 1m EUR main residence paid off 1m EUR Savings 250k EUR pension Family expenses around 50k EUR Aged 37 I would like to retire ASAP. Tired of...
by Valuethinker
Wed Jun 05, 2019 5:07 am
Forum: Non-US Investing
Topic: Any advice on my situation?
Replies: 17
Views: 1378

Re: Any advice on my situation?

1.5% is doable in the UK. You might have to spread across a number accounts such as Marcus by Goldman Sachs which pays 1.5% up to 100k instant access. Someone like Barclays pay 1.4 for a 2 year savings bond https://www.barclays.co.uk/savings/bonds/ You can find better deals on the continent but you...
by Valuethinker
Wed Jun 05, 2019 5:06 am
Forum: Non-US Investing
Topic: Any advice on my situation?
Replies: 17
Views: 1378

Re: Any advice on my situation?

Health insurance and longterm care could be quite a big chunk. If you leave this in cash I don’t think you’ll have any chance off success. At least 30-40% in equity seems prudent with much of the rest in bonds and then some cash. Health Insurance varies by country. In the UK & Sweden (I believe) it...
by Valuethinker
Wed Jun 05, 2019 5:00 am
Forum: Investing - Theory, News & General
Topic: What is happening to Palladium?
Replies: 4
Views: 1212

Re: What is happening to Palladium?

It's just supply and demand. Mostly decreased South African supply caused by 1.) a decrease in demand for diesel catalysts (platinum) which disproportionately affects South Africa as platinum is main source of revenue while palladium is a byproduct and 2.) because the South African cost structure h...
by Valuethinker
Wed Jun 05, 2019 4:59 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 3968

Re: June 6, 1944 D Day and General Patton

Truly "The Greatest Generation". I watched "Saving Private Ryan" again over Memorial Day weekend, and couldn't help but be struck by awe and gratitude at the thought of all these young men storming that beach, probably scared out of their wits, many losing their lives, to defeat tyranny. Amazing. I...
by Valuethinker
Wed Jun 05, 2019 4:25 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 3968

Re: June 6, 1944 D Day and General Patton

One of the greatest deceptions ever. Patton, like MacArthur in the Pacific, were so in love with themselves, but they got results, always keeping the axis commands worried. Had Patton been a man of more humility and less of a leader, the deception never would have worked. And thanks to all that ser...
by Valuethinker
Wed Jun 05, 2019 4:19 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 3968

Re: June 6, 1944 D Day and General Patton

One of the greatest deceptions ever. Patton, like MacArthur in the Pacific, were so in love with themselves, but they got results, always keeping the axis commands worried. Had Patton been a man of more humility and less of a leader, the deception never would have worked. And thanks to all that ser...
by Valuethinker
Wed Jun 05, 2019 3:32 am
Forum: Non-US Investing
Topic: Any advice on my situation?
Replies: 17
Views: 1378

Re: Any advice on my situation?

I know most of the basics of the Bogleheads way, but wanted to see if I was missing anything and get peoples input.... I’m in a fairly good place financially - 1m EUR main residence paid off 1m EUR Savings 250k EUR pension Family expenses around 50k EUR Aged 37 I would like to retire ASAP. Tired of...
by Valuethinker
Wed Jun 05, 2019 3:27 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 2980

Re: Late developer ..... (UK)

In my experience that latter is basically worth zero. I mean, it could someday be worth something, but in the meantime you can't sell it, it usually does not pay a dividend, you are a minority shareholder so you don't have control rights, you can't sell it to anyone else (except the controlling sha...
by Valuethinker
Tue Jun 04, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4324

Re: Thinking of leasing bmw 3 series

I think the issue is the car (BMW), not the lease. If cost/value seem to matter, why are you wanting a 3 series? Expand your horizon - plenty of quality cars out there now, if you're not beholden to a nameplate. Give some examples. I have the money for a luxury brand and save plenty, but you want t...
by Valuethinker
Tue Jun 04, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4324

Re: Thinking of leasing bmw 3 series

I’ve driven my current 3 series for more than 12 years and am tired of maintenance and increasing repairs. Tired of the unreliability and outdated safety features. I’m in the market for a new car, preferably a low level luxury sedan. I can get a 3 series lease for 399/month and 4K down or so based ...
by Valuethinker
Tue Jun 04, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?
Replies: 18
Views: 979

Re: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?

I'm looking for a resort or hotel in the Great Lakes area within perhaps a 3 to 3 1/2 hour drive from Detroit. Maybe can spend up to $250/night near the mid or end of August. A nice (or at least decent) pool is a must. Any suggestions? Pretty much any west michigan tourist town from St. Joe in the ...
by Valuethinker
Tue Jun 04, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?
Replies: 18
Views: 979

Re: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?

However the advice to go upstate in MI Is good, subject to accommodation. There may be Air BnB type options, or renting a cottage for a week? These could prove to be significantly cheaper, and better accommodation, than a lower priced hotel in peak season. Upstate MI is lovely. +1 I am from Ontario...
by Valuethinker
Tue Jun 04, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

The summer heat, of course. Poisonous snakes. Wild animals taking down domestic pets etc. Water use restrictions.... You just described San Diego inland areas (about 30 minutes from the coast). :oops: Did the OP say that he already lived in an alpine desert climatic zone? I missed it if he did. No,...
by Valuethinker
Tue Jun 04, 2019 7:54 am
Forum: Personal Investments
Topic: Question on short term TIPS fund
Replies: 3
Views: 449

Re: Question on short term TIPS fund

I am thinking of adding some TIPS to my fixed income portion. I like the short term funds better than the long term currently. So, it is between building a 5 year ladder or buying a low cost fund like STIP or Vanguard's short term TIPS fund. I am leaning towards the fund for convenience. I have one...
by Valuethinker
Tue Jun 04, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?
Replies: 18
Views: 979

Re: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?

I'm looking for a resort or hotel in the Great Lakes area within perhaps a 3 to 3 1/2 hour drive from Detroit. Maybe can spend up to $250/night near the mid or end of August. A nice (or at least decent) pool is a must. Any suggestions? Mid or late August is peak tourist season. However the advice t...
by Valuethinker
Tue Jun 04, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?
Replies: 18
Views: 979

Re: Moderately Priced Hotel by Great Lakes within 3 Hours Drive of Detroit?

Google maps says Niagara Falls is a 4 hour drive away. Quite a few options there. The best thing that can be said about Niagara Falls, ONT is that it is not Niagara Falls NY. The Falls themselves are great. Neither town is at all attractive, particularly not from a cheaper hotel. Stop, see the fall...
by Valuethinker
Tue Jun 04, 2019 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at 56?
Replies: 34
Views: 6047

Re: Can I retire at 56?

Appreciate all the feedback. Healthcare would need to come out of the above retirement income. The kids do concern me as well. How well do they all launch? A backup could be simply selling the 2nd home if in a bind. It’s hard to consider voluntarily leaving the role of provider for the family. The ...
by Valuethinker
Tue Jun 04, 2019 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 26075

Re: Can I afford this 2.3 million dollar home?

New wrinkle. Let's say we can buy the land and delay construction for 2.5 years. Let's say the interest rate on the land loan is 5.5% and we pay off the entire balance in 24 months. Let's say at the end of 2.5 years we have 1 mil saved to put down (including value of land, current home equity and c...
by Valuethinker
Tue Jun 04, 2019 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 26075

Re: Can I afford this 2.3 million dollar home?

To put some round numbers to it, I would not be interested in building or buying a $2.3M house if my networth was under $10M. I don't see the difference between borrowing the money, buying the land and building a house or borrowing the money, buying the land, paying off the loan, then borrowing aga...
by Valuethinker
Tue Jun 04, 2019 3:47 am
Forum: Investing - Theory, News & General
Topic: What is happening to Palladium?
Replies: 4
Views: 1212

Re: What is happening to Palladium?

Hey BH ! Just curious, what is happening to Palladium? I was taking a look at this commodity on iShares UK and it keeps rising: https://www.ishares.com/uk/individual/en/products/256574/ishares-physical-palladium-etc-fund#chartDialog Just trying to understand what is causing it, even though it took ...
by Valuethinker
Tue Jun 04, 2019 3:40 am
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 3043

Re: Solar - when replacing roof?

We will very soon need to replace the roof on our house. We see more and more installation of solar panels on roofs. Anyone done the math on such solar on single family homes? I would *not* go for solar roof tiles but rather solar panels, which can be removed. Exception would be in an area where it...
by Valuethinker
Mon Jun 03, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

The summer heat, of course. Poisonous snakes. Wild animals taking down domestic pets etc. Water use restrictions.... You just described San Diego inland areas (about 30 minutes from the coast). :oops: Did the OP say that he already lived in an alpine desert climatic zone? I missed it if he did.
by Valuethinker
Mon Jun 03, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

Any NM locals here? Santa Fe is on our list for possible retirement destinations. Looking at real estate there, it seems like theres a ton of inventory and a ton of house sitting on the market for long periods of time with no price reductions, and prices are really high. What gives? Does nobody rea...
by Valuethinker
Mon Jun 03, 2019 2:00 pm
Forum: Non-US Investing
Topic: New Investor [ETF suggestions for Canadian expat]
Replies: 26
Views: 1921

Re: New Investor [ETF suggestions for Canadian expat]

Either portfolio would work. The first portfolio has a bit more volatility due to credit risk. What is the currency of hedging for the bond fund? USD? The second portfolio will have more volatility re USD vs. local currency, potentially. I do not have a strong view but perhaps suggest A for simplic...
by Valuethinker
Mon Jun 03, 2019 1:41 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 2980

Re: Late developer ..... (UK)

So beware the thought that you will rebalance. It is easy to rebalance into a minus 10% market correction. It's a lot harder to do that at minus 10, then minus 20, then minus 30 - the 2000-03 slump lasted nearly 3 years. The shock of seeing your portfolio just melt away and I can assure you the new...
by Valuethinker
Mon Jun 03, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

Any NM locals here? Santa Fe is on our list for possible retirement destinations. Looking at real estate there, it seems like theres a ton of inventory and a ton of house sitting on the market for long periods of time with no price reductions, and prices are really high. What gives? Does nobody rea...
by Valuethinker
Mon Jun 03, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: Private Equity - Separate asset class?
Replies: 7
Views: 863

Re: Private Equity - Separate asset class?

Thanks for all the info. I think there is a terminology issue - I am not referring to private equity companies that are listed. I am referring to pre-IPO private companies that are not yet listed, but are likely to do so. I also did some additional research and found that T Rowe Price New Horizons ...
by Valuethinker
Mon Jun 03, 2019 7:49 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 2980

Re: Late developer ..... (UK)

A high interest savings account would do. There are usually various good teaser rates/ new customer rates on offer. Unfortunately a lot of these, dare I say 'higher" interest rate savings accounts seem to be capped at £1.5k - £2.5k per year. I'm currently using a regular saver with Santander, which...
by Valuethinker
Mon Jun 03, 2019 4:16 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 4905

Re: Safety of treasury bonds vs treasury money market

Out of curiosity, assuming someone's investing horizon is over 2 years, is a short-term treasury bond fund (e.g. VSBSX ) literally just as safe as a treasury money market fund (e.g. VUSXX ) ? I know the NAV of the bond fund will fluctuate slightly and the returns won't be exactly the same for both ...