Non-US Investing • Are Pfandbriefe [German private debt bonds] callable?
[Title edited for clarity - moderator oldcomputerguy]We are looking for short term investments and came across the German Pfandbriefe. I am familiar with the general concept (similar to Danish...
View ArticleInvesting - Theory, News & General • Hoarding cash
Silver is the poor man's gold.If gold and silver go up 30X to 50X, it is hard to exchange gold for anything. It is easier with silver.KlangFoolA' la' survivalist whackos, my definition of the metals'...
View ArticleInvesting - Theory, News & General • How retirees actually withdraw
Retired, withdraw as needed to pay expenses, from taxable account (not yet age 59.5).So far, annual withdraw rate has been less than 4%.I found your 4% comment interesting. Would your spending...
View ArticlePersonal Consumer Issues • At what point do you replace your HVAC system?
My a/c systems were nearing 25 years, and we're in an expensive and hot part of Texas, where a/c failure is an emergency. We replaced both working systems during the off season last year. So 2 large...
View ArticlePersonal Investments • ETFs
One reason I like ETFs is that I know the price when I buy or sell a market order. For a mutual fund, the price is only determined at 4pm EST, so if you place an order at 1pm, you have no idea what...
View ArticlePersonal Consumer Issues • Texas - How can I negotiate my rent increase?
So is there a book or course I need to take to negotiate?In order to negotiate, you need leverage. What is your leverage in this transaction? You are currently paying a lot less than market rate and...
View ArticlePersonal Investments • Thoughts on mid caps?
When I was younger and before I discovered this forum, I also attempted to “optimize” my portfolio with tilting like you are describing.Since joining this forum, I have come to realize the following:*...
View ArticlePersonal Consumer Issues • Oxford UK and region - rent a car for vacation?
An update from me, the OP: Thanks again for all the good ideas and thoughts. About a week ago I got plane tickets, we're going in early fall. For the last several days I've been looking at rental cars...
View ArticleInvesting - Theory, News & General • What will Bogle's "Common...
I found moving on to reading around the circle of John Bogles financial acquaintances helped expand my knowledge of this interesting investment policy Books by Larry Swedroe,William Bernstein,Rick...
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Personal Finance (Not Investing) • Retire in France, Shall I move my address...
I would use the family member over a mailbox service but I haven't actually used the services. I wouldn't put my name on a utility bill and am not sure what you are trying to manage. There are a few...
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Personal Investments • Ireland domiciled ETFs: how can a G4 visa holder in...
Thank you very much for your message, RedCabin.No worries, sorry it wasn't really helpful. Ultimately it's navigating around the various roadblocks and connecting with the appropriate people and what...
View ArticleNon-US Investing • Uk portfolio review request with some holistic advice...
Thank you for the fantastic feedback both. There is definitely a grey area with the bank and while the terms and conditions say it shouldn't be done, I think many do it. If it does transpire in the...
View ArticleInvesting - Theory, News & General • ESG investors: how to start,...
Isn't any ESG fund by definition "active?" Someone has to grade the company on ESG metrics which are arbitrarily selected.Yes it’s very active by definition.Statistics: Posted by BitTooAggressive —...
View ArticlePersonal Finance (Not Investing) • What to do to leave a legacy?
We'll never spend our assets.Any pointers on how to manage several M in order to leave a semi-permanent legacy?For me it will be some kind of technical/scientific pursuit. Possibly my old U.My wife,...
View ArticlePersonal Investments • Vanguard app showing $0 account balance
I opened my Vanguard app to check the balance of my brokerage and IRA accounts balance this afternoon, it shows $0 on both accounts which is obviously not true. I tried it 2 hours later and it still...
View ArticlePersonal Investments • [Differences between ETFs and mutual funds?]
One thing I have not seen mentioned yet is that if one wants to utilize an automatic RMD service in retirement, at least now, none of the majors will do it with ETFs, only mutual funds. There is...
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Personal Finance (Not Investing) • New Retirement Planning (NRP) Software
You can set inflation to 0, edit your account returns to be real (after inflation) and voila! Everything is in today's money.I do wish it were as easy as a switch but I'm set up as I described as I...
View ArticlePersonal Consumer Issues • Is there any thought on an end to the housing...
Capitalism will inherently lead to wealth condensation, which is the main factor behind increasing house (land) prices.Nothing you can do about it short of some sort of radical social democratic...
View ArticlePersonal Investments • Creating the 3 Fund Portfolio
At your age and if you have the risk tolerance to handle it without succumbing to bad behaviors when there is volatility, I would suggest the following:100% stocksVTI (Total US)VXUS (Total...
View ArticleNon-US Investing • UK pension investment advice
I will most likely not bother with VCTs. Thanks for sharing your experience with these investments! Regarding investing in properties and using leverage, where you put max 20% of your own money on an...
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