Search found 1375 matches

by Seppia
Mon Jan 02, 2017 4:27 pm
Forum: Money Questions
Topic: Portfolio Charts
Replies: 496
Views: 111662

Re: Portfolio Charts

I've learned that patience is an acquired skill that gets easier with practice. That said, getting positive feedback definitely helps along the way. Thanks for the kind words! I'm sure that while the critics can be the loudest, there's a very large silent group that really appreciates the work you ...
by Seppia
Mon Jan 02, 2017 4:27 am
Forum: Money Questions
Topic: Investing for Parents
Replies: 11
Views: 2526

Re: Investing for Parents

Additional anecdotal evidence: my wife is extremely hesitant to invest, and the Wellesley fund was the one that I managed to convince her to try back in 2011 when we lived in the states. Liquidated when we moved back to Europe last year, but she was mostly cool with the ride. The combination of Low ...
by Seppia
Sun Dec 25, 2016 5:35 am
Forum: Money Questions
Topic: How to run away from inflation?
Replies: 3
Views: 986

Re: How to run away from inflation?

We already have zero or near zero inflation in Western Europe, since the introduction of the euro basically. The only thing that has gone up, and only in some places (Germany, big capital cities such as London or Paris) is shelter. I would say that today the best hedge against inflation is to buy a ...
by Seppia
Sun Dec 25, 2016 2:52 am
Forum: Money Questions
Topic: Building the Perfect Portfolio
Replies: 15
Views: 3858

Re: Building the Perfect Portfolio

I hold the equivalent of 18 months. Thing is, for low spenders it's a relatively small amount of money in absolute value. When some "expected unexpected" expenses happen they are usually fairly large, and I would not like to go access credit, even if it's easy, cheap, and I could pay it back fairly ...
by Seppia
Mon Dec 12, 2016 3:31 am
Forum: Lifestyle Questions
Topic: How to Make 100k /Yr?
Replies: 21
Views: 3251

Re: How to Make 100k /Yr?

In my opinion you are asking the wrong question. Assuming you have the tools (it seems like so) to access the correct kind of job, I would try focus on finding a field that you like. Of course I like scuba diving better than my job, but to me working in sales has done the trick: I get to travel and ...
by Seppia
Fri Dec 09, 2016 3:42 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 335
Views: 68104

Re: Bitcoin on the rise

I can't access the video at the moment to verify my first impression but I do not understand your criticisms. -His big picture is showing you current vs. past user base and transaction numbers...good basis for supply/demand arguments. -I think he's building up to a point later about the recent halv...
by Seppia
Wed Dec 07, 2016 5:45 pm
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 335
Views: 68104

Re: Bitcoin on the rise

Some concise big picture analysis: https://www.youtube.com/watch?v=WoWY2UzIB_8 Sorry I mean no disrespect but, in the first two minutes I heard - a "big picture" description where he basically just describes the past in a textbook rear view mirror analisys that is worth zero. - "this has been growi...
by Seppia
Mon Dec 05, 2016 3:33 am
Forum: ERE Journals
Topic: the animal's journal
Replies: 513
Views: 122941

Re: the animal's journal

A project you could get behind if you have lots of spare time is definitely to write some sort of book/journal, I definitely agree on this. Your writing is excellent, it transpires the love and passion you have for everything you're doing. Plus, you're really doing something exciting. I'm not hyperb...
by Seppia
Sat Dec 03, 2016 5:24 pm
Forum: Money Questions
Topic: .
Replies: 27
Views: 4782

Re: Unexpected expenses every year

When you live an efficient lifestyle (by efficient I personally mean: just avoiding incredibly stupid and unnecessary expenses), the "expected unexpected" is a large part of the yearly budget. I always forecast a 15% buffer, and it falls short more often than not. Bottom line is: if you consistently...
by Seppia
Sat Dec 03, 2016 2:27 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2116
Views: 384064

Re: Investments Trade Log

I bought some Danone and some Engie yesterday. Danone is a phenomenally well run company that sells yoghurt and dairy products, they recently bought the producers of Alpro (soy milk and other dairy substitutes) as a hedge against the decline in usage of dairy products (it's a recent trend). It could...
by Seppia
Fri Dec 02, 2016 2:23 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2116
Views: 384064

Re: Investments Trade Log

Thanks!
by Seppia
Thu Dec 01, 2016 2:38 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2116
Views: 384064

Re: Investments Trade Log

@Jacob
Intersting.
I never studied this, would you mind Pointing me in the direction of some good reading on the subject?
Thanks a ton
by Seppia
Wed Nov 30, 2016 5:39 pm
Forum: Money Questions
Topic: Lending Club Sadness
Replies: 78
Views: 27926

Re: Lending Club Sadness

Why binary?
From an investors perespective, LC is close to a high yield junk bond marketplace with high fees.
Seems to me it could also be a good tool for someone looking to consolidate and cut down debt
by Seppia
Wed Nov 30, 2016 5:35 pm
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2116
Views: 384064

Re: Investments Trade Log

Bryan: I 100% agree. Exchange rate for me is a random exogenous element. I consider it when I'm buying stuff, but I don't try to profit from it at any time. Over the long run and across many trades, it should become irrelevant (especially if one focused on large internationally connected businesses)
by Seppia
Wed Nov 30, 2016 10:55 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2116
Views: 384064

Re: Investments Trade Log

Anyone anticipating any more big moves in the EUR - USD? Will the EUR recover a little? Fall further? Has anyone in history ever been consistently successful in predicting currency fluctuations? I have the impression that it's so influenced by non-forecastable events that it must be close to imposs...
by Seppia
Tue Nov 29, 2016 1:39 am
Forum: Money Questions
Topic: Post-Golden Age returns? Are we in the Golden Age?
Replies: 16
Views: 3981

Re: Post-Golden Age returns? Are we in the Golden Age?

Sounds like a great book, thanks for sharing.
Here's a nice review from P. Krugman
http://mobile.nytimes.com/2016/01/31/bo ... -were.html
by Seppia
Tue Nov 29, 2016 1:28 am
Forum: Lifestyle Questions
Topic: Obtaining a Second Passport
Replies: 112
Views: 24687

Re: Obtaining a Second Passport

I guess it really depends how one views Trump. I'm in the "with the candidacy of Hillary, the USA population would probably have elected even a screaming monkey instead of her" camp. Obviously tons of hindsight on my part. I don't have a very high esteem of the Donald. I probably have an even lower ...
by Seppia
Mon Nov 28, 2016 12:36 pm
Forum: Lifestyle Questions
Topic: Obtaining a Second Passport
Replies: 112
Views: 24687

Re: Obtaining a Second Passport

Any opinions on the Italian referendum? http://i.imgur.com/UouMXj4.jpg The situation of Italian politics is bad, and obtaining unbiased information is close to impossible. Keep in mind I will vote yes, but I am not a super convinced Yes voter. The premise is that the current Italian system makes it...
by Seppia
Wed Nov 23, 2016 5:09 am
Forum: Money Questions
Topic: US biased investing literature. What can a non-american investor do?
Replies: 22
Views: 4587

Re: US biased investing literature. What can a non-american investor do?

@Seppia - Prices don't rise uniformly for all consumer goods. For example, IIRC, in the US, much of the CPI is driven by quickly rising health care and educational costs. Whereas technology has become a lot cheaper. And so on. YMOYL discusses the impact of inflation in fair detail. I definitely und...
by Seppia
Tue Nov 22, 2016 9:18 am
Forum: Money Questions
Topic: US biased investing literature. What can a non-american investor do?
Replies: 22
Views: 4587

Re: US biased investing literature. What can a non-american investor do?

I never understood how frugal people think they can magically escape inflation (unless you manage to be completely self sufficient).
You might be able to fight its effects better and more efficiently, but if prices rise say 3% you are paying 3% more for whatever you're buying.