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Re: UK taxes on iShares ETF offered by Fidelity

This post may be of interest to you: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=136726&start=50 Another consideration for the foreign ETFs is most brokerages will usually have additional fees involved just with regards to purchasing them. AMANA does have institutional shares availab...
by Nomadix
Sun Jun 01, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: UK taxes on iShares ETF offered by Fidelity
Replies: 16
Views: 1068

Re: Advice [on Shariah compliant investment products]

Ok, as an aside, does anyone know a broker that allows purchase of funds sold on foriegn exchanges into a retirment account (ex ROTH IRA)? Specificaly looking at funds below on London exchange: iShares MSCI World Islamic (ISWD.L) ER 0.6% iShares MSCI USA Islamic (ISUS.L) ER 0.5% iShares MSCI Emergin...
by Nomadix
Wed Apr 30, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

For what specific investment objectives, and under what specific conditions? It seems to me that the answer to that question would necessarily need to follow from a scenario presented as per http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Just with regards to using the below funds to g...
by Nomadix
Sat Apr 26, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

Thoughts on allocations for above listed funds for best exposure?
by Nomadix
Sat Apr 26, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

I think a good place to start is figuring out a good equity mix first. I think a lot of people in this religous community willatually probably be just fine with doing a plain old index fund, but for those who prefer the ethical funds, perhaps we can figure out a good mix of these funds. Now I know t...
by Nomadix
Fri Apr 25, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

Can someone explain exactly what rule, or law is in effect here, to cause the limitation, so we can discuss ways to avoid it, in spirit and in effect? I'm unfamiliar with how this works. The most significant issue is the prohibition against what is called 'riba,' which is variously translated as in...
by Nomadix
Mon Apr 07, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

Also, for those trying to figure out the equity part of their allocation, here are the products, that I am aware of, that are available. Unfortunately, mostly limited to actively managed. Actively Managed (higher quality) AMAGX (Growth) ER 1.13% AMANX (Income) ER 1.20% AMDWX (Developing) ER 1.61% (l...
by Nomadix
Sun Apr 06, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

Somewhat unrelated, but for those looking for a savings account alternative, this US-based bank has an interesting 'profit-sharing savings account,"

http://www.myuif.com/
by Nomadix
Sun Apr 06, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: Advice for [Religious Investor]

This is an issue that is bound to keep cropping up, but that's a good thing as hopefully more discussion will lead to creative solutions for this predicament. While at this point it seems a good investing strategy is actually rather simple, unfortunately for certain observant religious investors the...
by Nomadix
Sun Apr 06, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice [on Shariah compliant investment products]
Replies: 60
Views: 6604

Re: another 401k feedback request

That makes sense, I figured as much but just wanted to confirm.
Is there a good argument for doing something like trying to maintain a 50% US 50% international? Or is just sticking with market weights the most boglehead thing to do?
by Nomadix
Wed Mar 26, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: another 401k feedback request

Assuming someone is all into equities, doing the proposed above (40% S&P 500 Index Fund
10% Russell Small Cap Completeness Index Fund, 50% international), is there ever a need to rebalance or does this kind of setup essentially "rebalance itself?"
by Nomadix
Wed Mar 26, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: Student Loan Refinancing

Also, as an update. SoFi's variable rate is as low as 2.91%, DRB 2.99%
by Nomadix
Mon Mar 03, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: Student Loan Refinancing

Thanks for the comprehensive review JohnnyDVM! Since you are planning to finish payment in 18 months, I'm assuming there are no pre-payment penalties, correct?
by Nomadix
Mon Mar 03, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: Student Loan Refinancing

Just wanted to follow up and see if anyone has actually ended refinancing through DRB and what their experience is.
by Nomadix
Thu Feb 27, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: Back Up Computer Options

Here is a good portable drive:
http://www.amazon.com/Seagate-Backup-Po ... B00829THO6

If you have a Mac, you can get a Time Capsule which is an external drive with wifi that backup daily and automatically.

You may also want to look into amazon s3 and Amazon Glacier.
by Nomadix
Sun Feb 23, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2392

Re: Accountant for Physician

I see I seem to have ruffled some feathers/struck a nerve with some. Simply wanted a referral to a good accountant because I've learned it's better to go off past experiences rather than trial and error in this situation. Could I have made the title "good accountant for high income earners with...
by Nomadix
Fri Feb 21, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant for Physician
Replies: 13
Views: 803

Re: Accountant for Physician

It's not meant to pompous. And I agree, for the most part a good accountant is a good accountant. However, there are circumstances that can be unique to a physician (high debt, how best to incorporate solo practice, etc..) and if someone has experience with that, that's definitely a plus. But this d...
by Nomadix
Thu Feb 20, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accountant for Physician
Replies: 13
Views: 803

Accountant for Physician

Looking for referral for good accountant in Illinois for a physician. Feel free to reply here or PM me. Thanks!

(On the topic any advice on how to go about finding a good accountant otherwise?)
by Nomadix
Thu Feb 20, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accountant for Physician
Replies: 13
Views: 803

Re: another 401k feedback request

Thanks for the help Pingo and Kerdaboy. Thanks for your time and walking me through that, always more to learn!
by Nomadix
Thu Feb 06, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: another 401k feedback request

Also, can you direct me as to how to come up with the 4:1 ration (I was under the impression it was 3:1). Thanks again.
by Nomadix
Thu Feb 06, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: another 401k feedback request

Thanks Pingo.

The international fund tracks the MSCI ACWI ex US Investable Market Index (IMI).
by Nomadix
Thu Feb 06, 2014 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: another 401k feedback request

So with regards to index funds, Walgreens now offers:

S&P 500 Index Fund ER 0.18
Russel Small Cap Completeness Index Fund ER 0.09
Bond Index Fund
International Stock Index Fund ER 0.15

What the best way to approximate a Total Market from these funds? A Total World?

Thanks in advance!
by Nomadix
Wed Feb 05, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2385

Re: Keurig vs normal coffeemaker?

Trader Joes has great Keurig compatible cups for $2.99 for 7 cups ($.42 per cup). Individually packaged and tastes great.

However, consider this:

http://www.amazon.com/Melitta-Coffee-Po ... rds=melita
by Nomadix
Mon Feb 03, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8205

Re: 401k v. Student Loans - High Starting Salary

I'm assuming for next year at the 33% marginal rate
by Nomadix
Sat Nov 16, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k v. Student Loans - High Starting Salary
Replies: 46
Views: 3684

Re: 401k v. Student Loans - High Starting Salary

So would the Roth conversions be worth it at the point?
by Nomadix
Sat Nov 16, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k v. Student Loans - High Starting Salary
Replies: 46
Views: 3684

Re: Student Loan Refinancing

Would love to hear how it goes with DRB, MooseandBear!
by Nomadix
Fri Nov 15, 2013 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: 401k v. Student Loans - High Starting Salary

I am in similar situation as you and am also throwing in refinancing into the mix, see this thread:
viewtopic.php?f=2&t=126470&newpost=1855346
by Nomadix
Fri Nov 15, 2013 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k v. Student Loans - High Starting Salary
Replies: 46
Views: 3684

Re: Student Loan Refinancing

So there is no tax-benefit for the employer, perhaps as a benefit instead of salary with FICA having to be paid?

I was thinking if it's beneficial to the employer I negotiate a higher salary.
by Nomadix
Thu Nov 14, 2013 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: Student Loan Refinancing

Here's other companies also doing it for those interested:

http://studentloanhero.com/featured/5-b ... ent-loans/
by Nomadix
Thu Nov 14, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Student Loan Refinancing

Currently have following in student loans: $158,225.56 total $114,436.94 at %6.55 $43788.62 at %6.30 Currently trying to pay at least $1000/month. Will start working in July, and my plan at that point is to try to pay off in total in 2 years. I've stumbled upon a bank that refinances student loans: ...
by Nomadix
Thu Nov 14, 2013 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 17
Views: 2928

Re: Amana Portfolio Allocation

Maybe one day Vanguard will get an ex-Financials fund. Email them it as a suggestion!
by Nomadix
Sat Jun 29, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Amana Portfolio Allocation

Not yet, but looking into it.
by Nomadix
Sat Jun 29, 2013 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Sprint

Not exactly a boglehead-friendly topic (individual stock), but just curious about this. SoftBank recently cleared a deal to buy Sprint. The deal is for 7.65 a share for something like 72% of total stock. Sprint is currently trading at less than $7.00. So what does this mean if someone for someone cu...
by Nomadix
Thu Jun 27, 2013 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Sprint
Replies: 2
Views: 514

Re: Amana Portfolio Allocation

Anyone else in the same boat as me look into WisdomTree ex financial funds,
DOO
DTN

Same to exclude the main culprit (financial sector), but reasonably lower ER's than Amana.
by Nomadix
Wed Jun 26, 2013 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Emerging Market Equities Allocation

Thanks.

What's the most reliable and easiest way to determine market weightings?

Just from reading through posts on this forum my impression is:

60% US
40% international (24% of which is emerging/less-developed markets)
by Nomadix
Wed Jun 26, 2013 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Equities Allocation
Replies: 9
Views: 798

Re: Emerging Market Equities Allocation

Thanks for the input. Any advantage to market weighting an emerging market fund vs just buying a total international?
by Nomadix
Tue Jun 25, 2013 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Equities Allocation
Replies: 9
Views: 798

Emerging Market Equities Allocation

What is the ideal developing/emerging market equity allocation? Is it necessary? And why?
(trying to understand as oppose to just blindly allocating).
by Nomadix
Tue Jun 25, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Equities Allocation
Replies: 9
Views: 798

Re: Pay off student loans or invest

Thanks.
by Nomadix
Tue Jun 25, 2013 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or invest
Replies: 10
Views: 1262

Re: Amana Portfolio Allocation

What is the ideal developing/emerging market equity allocation? Is it necessary? And why?
(trying to understand as oppose to just blindly allocating).
by Nomadix
Mon Jun 24, 2013 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Pay off student loans or invest

While I see this topic has been discussed years ago, I'd like to get a fresh a perspective. Still a newbie here. Currently a medical resident Salary $51,720 last year, increase to $53,514 starting July. Will start moonlighting, potential for additional 30-50k as independent contractor Student loans ...
by Nomadix
Sun Jun 23, 2013 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or invest
Replies: 10
Views: 1262

Re: Medical Resident

Sorry, I was implying an LLC as S-corp when referring to the LLC (as far as I've learned, that's the path to an S-corp at this point). So at this point the savings from the S-corp are 1. Medicare tax 2.9% savings 2. Potential SS taxes 12.4% savings Questions: 1. How is the income vs dividend ultima...
by Nomadix
Tue Jun 18, 2013 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Resident
Replies: 15
Views: 1497

Re: Amana Portfolio Allocation

I am also on the same boat with the OP. I think WISEX could be considered as bond equivalent and ADJEX could provide more US stock exposure. AMDWX could also be used for international exposure. Based on Morningstar x-ray, each fund's AA is below. AMANX Cash 3% U.S. Stocks 78% Foreign 19% AMAGX Cash...
by Nomadix
Tue Jun 18, 2013 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Amana Portfolio Allocation

I am also on the same boat with the OP. I think WISEX could be considered as bond equivalent and ADJEX could provide more US stock exposure. AMDWX could also be used for international exposure. Based on Morningstar x-ray, each fund's AA is below. AMANX Cash 3% U.S. Stocks 78% Foreign 19% AMAGX Cash...
by Nomadix
Tue Jun 18, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Amana Portfolio Allocation

I would like to point out that AMANX and AMAGX combined only hold about 130 securities. A heavy growth tilt may not be ideal but I would definitely hold equal weights of both funds just to get as much diversification as possible. Emerging markets at 20% sounds a little high for a portfolio that is ...
by Nomadix
Tue Jun 18, 2013 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Amana Portfolio Allocation

What do the Amana folks suggest as a reasonable substitute for bonds? Don' t they offer such product? They must get that question all the time. Not from their target market, they don't. :) Amana funds invest according to Islamic principals. Charging interest is forbidden, so bonds are out. They are...
by Nomadix
Tue Jun 18, 2013 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Medical Resident

Thanks for the replies. So there is minimal advantage in terms of reducing my income via distributions? (I assume I can write-off all these same deductions whether SP or S-Corp). As I understand it, it doesn't really reduce liability from a medical malpractice standpoint. You mean dividends? You do...
by Nomadix
Tue Jun 18, 2013 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Resident
Replies: 15
Views: 1497

Re: Amana Portfolio Allocation

It is noted that only these are all stock funds except the third which holds 20% in cash (for now). It would be a good idea to think about the stock/fixed income distribution and what to do if almost 100% stock is too risky. Thanks. As bonds are unavailable to me, I'm trying to figure out a fixed-i...
by Nomadix
Tue Jun 18, 2013 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030

Re: Medical Resident

Thanks for the replies. So there is minimal advantage in terms of reducing my income via distributions? (I assume I can write-off all these same deductions whether SP or S-Corp). As I understand it, it doesn't really reduce liability from a medical malpractice standpoint. You mean dividends? You do...
by Nomadix
Tue Jun 18, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Resident
Replies: 15
Views: 1497

Re: Amana Portfolio Allocation

Also, here are the expense ratios (horrendous I know):

AMAGX (Growth) 1.13%
AMANX (Income) 1.20%
AMDWX (Developing) 1.61%
by Nomadix
Tue Jun 18, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 29
Views: 2030
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