Search found 81 matches

by SR7
Sun Jul 25, 2021 5:52 am
Forum: Non-US Investing
Topic: Aus , got 60k to invest. Which index funds should i look into ?
Replies: 6
Views: 644

Re: Aus , got 60k to invest. Which index funds should i look into ?

I would have a read of Passive Investing Australia, it follows the Boglehead principles from the Australian perspective https://passiveinvestingaustralia.com/the-australian-version-of-the-3-fund-portfolio The above link will help you design an Australian Vanguard ETF portfolio Or you could just buy ...
by SR7
Sun Jul 25, 2021 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustles
Replies: 65
Views: 7602

Re: Side Hustles

I tutor high school maths / physics / chemistry for about $65 (USD) per hour. I don’t look for the work, but the parents pass my name around and they call me up. I more do it to help out the kids, and it’s sort of fun, watching them get the concepts. I’ve been doing experimental physics at a researc...
by SR7
Sat Jul 17, 2021 7:15 am
Forum: Non-US Investing
Topic: VVLU Vanguard Global Value Active ETF (Australia)
Replies: 3
Views: 594

Re: VVLU Vanguard Global Value Active ETF (Australia)

Great to see AUM increasing on VVLU. One of the few value ETF's on the ASX capturing strong returns in the past 12 months. Must be reducing the risk of it being closed like the equivalent EU fund https://www.etfstream.com/news/vanguard-to-shut-active-factor-etf-range/ The other active ETFs for Vang...
by SR7
Sat Jul 17, 2021 5:57 am
Forum: Non-US Investing
Topic: Aussie expat - New to ETFs , tax info?
Replies: 2
Views: 509

Re: Aussie expat - New to ETFs , tax info?

As an Australian non-resident can you have a superannuation fund? I’m no expert, but a bit of googling says yes. You could possibly make tax savings buy contributing your ETF dividends to your super fund. I would speak to a tax advisor, as I’m not sure of the details. Google produced this page https...
by SR7
Sat Jul 17, 2021 5:36 am
Forum: Non-US Investing
Topic: VVLU Vanguard Global Value Active ETF (Australia)
Replies: 3
Views: 594

VVLU Vanguard Global Value Active ETF (Australia)

Vanguard Australia started some active managed ETFs a few years ago, their VVLU Vanguard Global Value Equity Active ETF (Managed Fund) seems to be doing well. Last time I look it had AUM = $54M (December 2020, according to BestETFs.com.au) Looking at Vanguard today it has AUM = $206M (30 June 2021) ...
by SR7
Sat Jul 17, 2021 5:09 am
Forum: Non-US Investing
Topic: Vanguard AUS personal investor fee changes
Replies: 10
Views: 1501

Re: Vanguard AUS personal investor fee changes

Thanks all, especially OP for starting, very interesting and useful.
by SR7
Wed Jul 14, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dead-End Robocalls
Replies: 45
Views: 3294

Re: Dead-End Robocalls

It's like all the e-mail providers who allow you to block specific e-mail addresses, as if it is 1990. For many years the spam e-mail addresses have been randomly generated. Them were the days, when spam emails required you to fax them back. Remember that? I got two sheets of black paper, easy to m...
by SR7
Tue Jul 13, 2021 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buy, Borrow, Die: How Rich Americans Live Off Their Paper Wealth
Replies: 170
Views: 21810

Re: Buy, Borrow, Die: How Rich Americans Live Off Their Paper Wealth

"Merrill Lynch recently quoted an interest rate of 3.2% to clients with at least $1 million in assets. Those with $100 million or more can get a rate as low as 0.87%." We have a very rich friend, who lives in the US, who did something like this. Had a lot of wealth in stock, didn’t want t...
by SR7
Tue Jul 13, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dead-End Robocalls
Replies: 45
Views: 3294

Re: Dead-End Robocalls

Pick up and say “Hello” to get transferred to a real person in the boiler room. Then say “Tell me more...” Then put phone down softly and go make a cup of coffee. By the time I return with fresh coffee, the line has always gone dead at the other end. If they hang up on you, then you win the game. So...
by SR7
Tue Jul 06, 2021 5:54 pm
Forum: Personal Investments
Topic: Pay-down mortgage or dump cash into market?
Replies: 39
Views: 4746

Re: Pay-down mortgage or dump cash into market?

Maybe I missed it, or maybe it’s more of a local feature to my market. But can’t you put excess cash into your house mortgage and then redraw it as required. This is what I did in a similar situation. My cash “earns” me 3.25% and when I need it I just transfer it out of my mortgage account and into ...
by SR7
Sun Jul 04, 2021 5:04 pm
Forum: Investing - Theory, News & General
Topic: Should I own at least one actively managed fund with my “gambling money”?
Replies: 29
Views: 1912

Re: Should I own at least one actively managed fund with my “gambling money”?

What about some of the new Vanguard Multi-Factor Quant funds like VFMF ? I always liked the look of those, but I still think the S&P500 VOO did better over the last few years. (Jan 2019 - Jun 2021, as they have only been around since 2018). However their momentum version VFMO did better than the...
by SR7
Sun Jul 04, 2021 6:41 am
Forum: Investing - Theory, News & General
Topic: Which ETF is most overweight in FANMAG stocks?
Replies: 31
Views: 3175

Re: Which ETF is most overweight in FANMAG stocks?

As long as we have posters in the forum asking how to find ETFs that are overweight in tech megacap growth stocks with recent outperformance on the same day as other posters asking about going long S&P 500 and shorting the NASDAQ in order to avoid the bubble in tech megacap growth stocks, I fee...
by SR7
Sun Jul 04, 2021 5:57 am
Forum: Investing - Theory, News & General
Topic: Which ETF is most overweight in FANMAG stocks?
Replies: 31
Views: 3175

Re: Which ETF is most overweight in FANMAG stocks?

nisiprius wrote: Sat Jul 03, 2021 7:50 pm
Me, I want Baidu, AMD, Docusign, FedEx, Alibaba, and Disney.
Laugh! It did take me a few seconds before the penny dropped.
by SR7
Sun Jul 04, 2021 5:50 am
Forum: Personal Investments
Topic: What to do with $15k cash?
Replies: 10
Views: 1925

Re: What to do with $15k cash?

Do you have a mortgage on your house ?
If you do, you could stick the extra $15k there, save yourself some interest, and then redraw a year later for the car.
by SR7
Sat Jun 19, 2021 12:07 am
Forum: Personal Consumer Issues
Topic: When did cars start good safety features?
Replies: 105
Views: 7107

Re: When did cars start good safety features?

I have an old 2006 GM (Opel) that I use as a commuter (beater) car that I can park anywhere without concern if somebody bumps into it. Base model, came standard with seat belts, laminated windscreen, antilock brakes, central locking and two front air bags. If I needed to replace it, I would look fro...
by SR7
Fri Jun 18, 2021 7:17 am
Forum: Personal Consumer Issues
Topic: Favorite Movies - Name Five
Replies: 207
Views: 11195

Re: Favorite Movies - Name Five

Lots of good movies already listed which I like a lot, so I’ll just add some more to the list that I think should be considered. Let the Right One In Snatch Full Metal Jacket O Brother, Where Art Thou? Aliens Romeo + Juliet (Baz Luhrmann) L.A. Confidential The Adventures of Baron Munchausen Raiders ...
by SR7
Wed May 26, 2021 7:26 am
Forum: Investing - Theory, News & General
Topic: What exactly is a "balanced fund" these days?
Replies: 5
Views: 809

Re: What exactly is a "balanced fund" these days?

To me a Balanced Fund is 50/50 or 60/40, percentage of growth assets (stocks, REITS, etc) to bonds & cash. However my super fund uses 70/30 for Balanced, and they call 50/50 Conservative Balanced. Vanguard Australia have four selections: High Growth 90/10 Growth 70/30 Balanced 50/50 Conservative...
by SR7
Sun May 16, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Temp. Sell Bonds to Fund Home Purchase?
Replies: 15
Views: 1357

Re: Temp. Sell Bonds to Fund Home Purchase?

... . I'm potentially buying a new property, and am essentially "swapping" one home for another ........ I'm just dreading the PITA that is "moving" and purging a bunch of things I don't need. ... happy to be adding to this clown show that is the current housing market. I feel y...
by SR7
Sat May 15, 2021 6:48 pm
Forum: Non-US Investing
Topic: VDHG to pay rent via distributions?
Replies: 12
Views: 1629

Re: VDHG to pay rent via distributions?

I agree, for the OP I would not sell the VDHG, that would be a step backwards especially with paying tax. VDHG is a good long term keeper. I have some friends talking about passive income (not growth) for semi-retirement and there is REIT talk, as I believe these are meant to return 90% of their ear...
by SR7
Sat May 15, 2021 6:58 am
Forum: Non-US Investing
Topic: VDHG to pay rent via distributions?
Replies: 12
Views: 1629

Re: VDHG to pay rent via distributions?

I very much like VDHG (Vanguard Diversified High Growth) as a nice mix of Australian and International shares with 10% bonds. So it’s great that you are accumulating it. Good work ! When it comes to income via distributions, I think there are other funds more set up for this VAP (Australian Property...
by SR7
Fri May 14, 2021 8:11 pm
Forum: Investing - Theory, News & General
Topic: Yield or P/E ratio for thinking about expected stock returns
Replies: 34
Views: 2539

Re: Yield or P/E ratio for thinking about expected stock returns

However, it appears that the value of published E / P ratios are more like the sum of the earnings of companies making positive earnings divided by the sum of the market capitalizations of the companies making positive earnings. Jeremy Siegel covers this issue in his book "Stocks For The Long ...
by SR7
Fri May 14, 2021 9:04 am
Forum: Non-US Investing
Topic: Alternative and modest shelter arrangements for retired seniors? [Australia]
Replies: 8
Views: 1258

Re: Alternative and modest shelter arrangements for retired seniors? [Australia]

From what I hear house & land prices have gone up a lot, but apartments have gone down in price. People want a backyard during a lockdown. But apartments have some advantages during retirement, especially if you want to travel a bit. No yard to mow, and more secure with close neighbours keeping ...
by SR7
Wed May 12, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Does it make financial sense to buy a "beater" for a long distance commute?
Replies: 89
Views: 5938

Re: Does it make financial sense to buy a "beater" for a long distance commute?

Drive the car you have, assuming it’s a modern reliable car, and not a classic or collectors car. It’s value of $25k is not excessive and at 25 MPG that’s OK.

I assume that you already have a second car for your wife to use when you’re away, so a third car doesn’t make sense to me.
by SR7
Mon May 10, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Motivation in Work - 5 Years To Go - Suggestions?
Replies: 131
Views: 12789

Re: Losing Motivation in Work - 5 Years To Go - Suggestions?

Start by planning and then taking a nice vacation. I also find a bit of exercise after work clears my head and puts me in a different mind set, this is much better and healthier than a stiff drink. You are probably planning some hobbies and activities in retirement, maybe it’s time to kick these off...
by SR7
Sun May 09, 2021 6:05 am
Forum: Personal Consumer Issues
Topic: Best options for squashing scammer phone calls?
Replies: 64
Views: 5653

Re: Best options for squashing scammer phone calls?

Given it’s mostly a land line issue, make sure important people/companies have their cell number and put an old fashioned answering machine on the land line. When busy, turn down the volume and check the messages when you are free. Spammers rarely leave messages. Also don’t be a slave to a ringing p...
by SR7
Sat May 08, 2021 9:25 pm
Forum: Personal Consumer Issues
Topic: Backpacking gear recommendations - backpack, shoes, sleeping bag
Replies: 108
Views: 7183

Re: Backpacking gear recommendations - backpack, shoes, sleeping bag

When I joined the army, they gave me all that stuff for free, and then paid me hard cash when they sent me out bush to use it. During jungle warfare training, insect repellent and exhaustion got me sleeping soundly most nights (when I wasn’t on watch). OK, trying to be more helpful now. As I did mor...
by SR7
Sun May 02, 2021 7:16 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3594

Re: Who will install non-OEM parts I bought for my car?

OP, Your local independent auto shop should be happy to do this for you.
by SR7
Sun Apr 18, 2021 4:35 am
Forum: Personal Investments
Topic: Going to receive around $1 million - what to do ?
Replies: 38
Views: 6881

Re: Going to receive around $1 million - what to do ?

I don't know how car washes work in droughts? My general position is that Southern California is a desert, and we know (from dendrochronology ie reading tree rings) that the area has 100 year periods in the past where a single year's normal rainful fell in the whole period). Human ingenuity compens...
by SR7
Sat Apr 17, 2021 10:40 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1375
Views: 70279

Re: Bird watchers – what birds are you seeing?

I wouldn’t call myself a bird watcher as such, but my son and I just saw a Major Mitchell's cockatoo or what I call a Pink Cockatoo hanging out in an old fig tree that my son was climbing. The tree also contained a bunch of Galahs (Pink and Grey cockatoo), about 18 of them, mostly sitting in pairs....
by SR7
Sat Apr 17, 2021 10:15 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 35
Views: 3103

Re: Temp change in remote location - tell employer?

i would likely inform my manager i could possibly see insurance issues if you became seriously disabled / injured in a 'work' location unknown to your employer (not an expert in this area) ------------------------------------------------ Another country here I know, but for my university employer i...
by SR7
Sat Apr 17, 2021 1:34 am
Forum: Non-US Investing
Topic: [Australia] Asset Allocation, Portfolio, Rebalancing & Strategy Advice
Replies: 8
Views: 1157

Re: [Australia] Asset Allocation, Portfolio, Rebalancing & Strategy Advice

VDHG is examined in some detail here
https://www.passiveinvestingaustralia.c ... l-your-own

In a recent thread somebody was going 50% VDHG and 50% VGS to increase their global exposure, which may be an option if you keep some of your local Australian properties.
by SR7
Fri Apr 16, 2021 10:01 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1375
Views: 70279

Re: Bird watchers – what birds are you seeing?

I wouldn’t call myself a bird watcher as such, but my son and I just saw a Major Mitchell's cockatoo or what I call a Pink Cockatoo hanging out in an old fig tree that my son was climbing. The tree also contained a bunch of Galahs (Pink and Grey cockatoo), about 18 of them, mostly sitting in pairs.
by SR7
Sat Apr 10, 2021 6:02 pm
Forum: Personal Investments
Topic: VT and home country bias
Replies: 15
Views: 1726

Re: VT and home country bias

Maybe a better question, looking across all developed countries, at what % of global market cap would an investor in their respective country conceivably be able to stop implementing an explicit home country bias tilt to their portfolio? I'd argue that my entire human portfolio already has a home c...
by SR7
Fri Apr 09, 2021 5:56 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6634

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

If you have a technical problem with multiple possible causes and inconclusive test results, then you start fixing / replacing parts, starting at the cheapest / easiest first. Stop when problem solved. Order of attack is: 1. Wheel alignment and balance. Ask for a brake inspection at the same time, i...
by SR7
Wed Apr 07, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6634

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Van wrote: Wed Apr 07, 2021 7:29 am The tires are not run flats. Tire pressures are correct, but I have not had the alignment checked.
While there, get the tires balanced again, you may have thrown a wheel weight causing a vibration.
by SR7
Wed Apr 07, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6634

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Thank you for replying. I don't believe I have low profile tires and large wheels, but I'm not knowledgeable about tires, so maybe I do. My current tires are Pirelli Scorpion Verde All Season, 235/60 R18 on the front and 255/55 R18 on the rear. Do you still think I have made a common mistake for wh...
by SR7
Tue Apr 06, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2380

Re: What is the expected percentage (raise) for a manager position?

Where I work, if you go up a pay grade then you typically get a 10% to 15% pay increase. But most of the time you just get more jobs to do and more duties to perform without any formal promotion or pay increase.

We joke around here, a promotion is 10% more money for 200% more workload.
by SR7
Sat Apr 03, 2021 10:10 pm
Forum: Personal Investments
Topic: I need a brokerage (or financial instrument) that won't let me sell
Replies: 25
Views: 2403

Re: I need a brokerage (or financial instrument) that won't let me sell

I appreciate everyone's help! In Australia, do you have your choice of investments within the superannuation fund? In America, I have access to what's called a 401(k) plan. Withdrawals are limited until I reach retirement age, but "unfortunately", I have access to a variety of funds withi...
by SR7
Sat Apr 03, 2021 9:48 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 24182

Re: Oil change interval for low-mileage vehicles

Follow the manual, every 5k miles or 6 months. To be honest, 5k miles and one year would not concern me. Modern API SN-Plus or SP oils are very good, and most conventional mineral oils are now semi-synthetic anyway to meet modern oil standards. The oil version of Bogleheads is BobIsTheOilGuy, they l...
by SR7
Sat Apr 03, 2021 8:40 am
Forum: Investing - Theory, News & General
Topic: nextdoor referral for "financial advisor" makes sad Boglehead
Replies: 39
Views: 4725

Re: nextdoor referral for "financial advisor" makes sad Boglehead

I have met some very nice people, who couldn’t tell you what a percent means or how to calculate it. Then others who are good at maths but start reading online, get caught up in doomsday economics, and hold everything as cash (probably under their bed). Both would probably be better served by even a...
by SR7
Sat Apr 03, 2021 8:09 am
Forum: Personal Investments
Topic: I need a brokerage (or financial instrument) that won't let me sell
Replies: 25
Views: 2403

Re: I need a brokerage (or financial instrument) that won't let me sell

In Australia we have superannuation funds (super) that you can’t touch until you reach retirement age. They are also taxed at a lower rate. Do you have something similar you can use?
by SR7
Thu Apr 01, 2021 8:10 pm
Forum: Investing - Theory, News & General
Topic: Why is housing market hot but REITS not?
Replies: 43
Views: 6395

Re: Why is housing market hot but REITS not?

I’m here to learn, so I’m no expert, but aren’t REITs meant to return 90% of their income to the investors. If so, with REITs being down, is that the price to buy / sell the ETF being down or is it their returns to the investors being down or both ? I would guess if the price to purchase REITs was d...
by SR7
Tue Mar 30, 2021 1:06 am
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2421

Re: What to do with 20 year old Bosch Dishwasher

Sometimes I just pour it in the bottom of the dishwasher, but I think you're supposed to put it in a bowl (and I've done that too and haven't noticed much difference except for the bowl of water that spills out). Notice the warning about avoiding bleach with stainless steel (so far I haven't notice...
by SR7
Mon Mar 29, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2421

Re: What to do with 20 year old Bosch Dishwasher

I'll say that at least check the hoses and connections for any signs of minor leaks or nibbling mice. This is especially important if plain rubber hose, not common nowadays, was used to connect. Nothing worse than coming home from vacation to a flooded kitchen! :) In order to check the connections ...
by SR7
Wed Mar 24, 2021 5:06 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10565

Re: Men's Cologne

What is truly timeless is Old Spice original scent. Your application for SS will be expedited if you wear this! That and Brut 33 takes you back to the 70’s and 80’s, more given as a gift to some person you don’t want to spend money on but social conventions say you need to get them something. BTW o...
by SR7
Sun Mar 21, 2021 6:35 am
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 266
Views: 19509

Re: On what are you most bullish?

Infrastructure, because the next big company (whoever that is) still needs to power it, move it and communicate it (whatever it is).
by SR7
Fri Mar 19, 2021 8:27 am
Forum: Non-US Investing
Topic: Aussie with $5m from crypto - NTSX/VAS/VGS ?
Replies: 15
Views: 3386

Re: Aussie with $5m from crypto - NTSX/VAS/VGS ?

I’m no expert, but two things you may want to look into. First you can contribute $100k to your Super, which should compound nicely and be tax efficient https://www.ato.gov.au/Individuals/Super/In-detail/Growing-your-super/Super-contributions---too-much-can-mean-extra-tax/?anchor=Nonconcessionalcont...
by SR7
Thu Mar 18, 2021 8:50 am
Forum: Personal Consumer Issues
Topic: Irish Whiskey
Replies: 32
Views: 3064

Re: Irish Whiskey

Jameson, Paddy, Bushmills and Tullamore Dew are the ones I know and drink.

I just picked up some Jameson myself, it has a nice vanilla taste in the mouth.
by SR7
Thu Mar 18, 2021 8:15 am
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 13209

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

Other side of the globe here, but I have worked for my whole life in science and engineering. For what it’s worth, I have heard of both Harvey Mudd and Colorado School of Mines, but not Worcester Poly Inst. However WPI sounds great and I wouldn’t avoid it just on name recognition standing. If it’s t...
by SR7
Tue Mar 16, 2021 5:47 pm
Forum: Non-US Investing
Topic: Aussie with $5m from crypto - NTSX/VAS/VGS ?
Replies: 15
Views: 3386

Re: Aussie with $5m from crypto - NTSX/VAS/VGS ?

OP, congratulations! You have done very well. I agree, sell most of that crypto and set yourself up for life. A house and some ETFs like VAS and VGS sound like a good plan to me. BTW for non-Aussie readers, houses are very expensive in Australia. The median house price in Sydney is just over $1M and...