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Re: Options for the medical grad but no residency

Seems like Big Pharma is the place to look. Good pay, benefits, 9-5. Especially if she has a good math, statistics ...
I'm not sure if they require residency.
by bberris
Thu Mar 20, 2014 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7148

Re: Is the foreign tax credit worth it?

The FTC is not really a benefit or a reward for investing in foreign securities. Its just a refund of the tax you paid to other countries. In effect, you are still taxed at the US rate. Edit: Rereading OP I see the question may be where to put international, taxable or sheltered. Putting the interna...
by bberris
Sun Mar 16, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the foreign tax credit worth it?
Replies: 17
Views: 1100

Re: Bogle & [NY] Subway [Train]

You're joking, right? Only a little. Like I said, he started at Penn Station and was going uptown for a business meeting. There's only so far "uptown" from Penn Station that a business meeting is likely to take place. Taking the subway over such a short distance doesn't always save a hell...
by bberris
Sat Mar 15, 2014 5:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 3235

Re: Cheap good kindle books?

How about free? Your library probably has a deal with overdrive to provide lendable (expiring in 3 weeks) ebooks.
Also:

www.gutenberg.org for books off copyright in US

u of adelaide has even more books available for free, and they don't seem to overlap with gutenberg
by bberris
Wed Mar 12, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Cheap good kindle books?
Replies: 10
Views: 872

Re: Large capital gain this year

I'm no expert but it sounds like your philosophy is "I'd rather loose the money in the market than pay the taxes to the government". Personally - I'd take the money - invest it correctly - and take the tax-hit. I think you have it wrong. He wants to own a portfolio of stocks, maybe win ma...
by bberris
Tue Mar 11, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2983

Re: Reporter doing story on IRS Audits

I think its great that the press is going to investigate what the FBI refuses to investigate.
by bberris
Sat Mar 08, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on IRS Audits
Replies: 11
Views: 1224

Re: Adventurous Grand Canyon Trip

Check out the Sierra club trips. I got all the adventure I could handle on the Royal Arch route.
by bberris
Wed Mar 05, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Adventurous Grand Canyon Trip
Replies: 18
Views: 1080

Re: Don’t Become Shark Bait

Also, watch out for the shark-infested sea of ethnic affinity fraud. We tend to let down our guard with people on the same "team".
by bberris
Sat Feb 22, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Don’t Become Shark Bait
Replies: 29
Views: 4172

Re: Pension Withdraw--What Would You Do?

Waiting to get a 7 % increase in an annuity is not the same as getting a 7 % investment return. The annuity payments you skip by waiting are gone forever. You can think of it as using your skipped payments as an additional annuity purchase. Is your pension low enough to be PBGC covered? Bankruptcy o...
by bberris
Wed Feb 12, 2014 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension Withdraw--What Would You Do?
Replies: 11
Views: 1212

Re: backing out of home purchase

If the market is that hot, try selling your contract.
by bberris
Tue Feb 11, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: backing out of home purchase
Replies: 22
Views: 2103

Re: NOTE LLC - what happens when due?

Try asking the broker where the payments are. Probably worthless given no bid and a lack of payment history. Should be good for a capital loss, so maybe you can get your broker to document a zero value.
by bberris
Thu Feb 06, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: NOTE LLC - what happens when due?
Replies: 6
Views: 632

Re: NOTE LLC - what happens when due?

Are you getting payments? On time? Have you seen the actual note? It should specify how payments and final payment will be made.
by bberris
Thu Feb 06, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: NOTE LLC - what happens when due?
Replies: 6
Views: 632

Re: HSA and tax reporting (HDHP premium)

It looks like a payroll fail to me. My w2 shows line 12W with HSA contributions, employer + payroll deduction as one number. No insurance premium included there. Line 12DD shows the cost of employer sponsored health care. I contribute to this as well but I don't know if the figure includes my payrol...
by bberris
Tue Feb 04, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA and tax reporting (HDHP premium)
Replies: 3
Views: 514

Re: Another Social Security spin......

The trust fund balance is irrelevant to social security. Benefits and taxes are whatever Congress and Pres want them to be. Limiting benefits to the trust fund plus taxes only reflects current law, which will probably change in the next 20 years maybe even more than it has changed in the past. Even ...
by bberris
Sun Feb 02, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security spin......
Replies: 48
Views: 2902

Re: Another Social Security spin......

I wonder how many people who took social security early are also thinking of buying an annuity.
by bberris
Sat Feb 01, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security spin......
Replies: 48
Views: 2902

Re: Train tickets in Italy-Wow!!

The schedule may not be set yet. Just wait to buy the tickets, maybe 3 months ahead.
by bberris
Wed Jan 29, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Train tickets in Italy [trouble booking with Trenitalia]
Replies: 22
Views: 1852

Re: berkey travel water filter

Seems very pricey. Katahdin filters are the backpackers choice and run about $100. My choice is chlorinating tablets. Thats what Sierra Club trips use. They are light, cheap, and make the water taste awful.
by bberris
Tue Jan 28, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: berkey travel water filter
Replies: 7
Views: 471

Re: Home Equity Loan-Wells Fargo charging $500 to quit!

So, what happens if you simply leave the HELOC open and don't use it. Also, how precisely would they collect the $500. It's outrageous - but the "problem" seems in part manufactured - just something to get mad about when there would seem to be easy ways to make it a non-issue. The heloc i...
by bberris
Fri Jan 24, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Home Equity Loan-Wells Fargo charging $500 to quit!
Replies: 49
Views: 3628

Re: Home Equity Loan-Wells Fargo charging $500 to quit!

So, what happens if you simply leave the HELOC open and don't use it. Also, how precisely would they collect the $500. It's outrageous - but the "problem" seems in part manufactured - just something to get mad about when there would seem to be easy ways to make it a non-issue. The heloc i...
by bberris
Fri Jan 24, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Home Equity Loan-Wells Fargo charging $500 to quit!
Replies: 49
Views: 3628

Re: Garmin Nuvi equivalent ?

Don't be cheap and get a GPS. Your cell phone won't work where there is no cell coverage (large parts of the western US)... Actually, this isn't totally true. If I give my Android smartphone the street address of my hotel destination, it seems to download strip maps sufficient to get me all the way...
by bberris
Thu Jan 23, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Garmin Nuvi equivalent ?
Replies: 32
Views: 1746

Re: Garmin Nuvi equivalent ?

Google maps on Android. It was already on the phone.
I had a Garmin Nuvi but I didn't like it. If I made a wrong turn the lady inside always said "recalculating" with an exasperated tone in her voice.
So I divorced her.
by bberris
Thu Jan 23, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Garmin Nuvi equivalent ?
Replies: 32
Views: 1746

Re: Parent refuses to release Coverdell ESA funds

The money can only be used for the named beneficiary. Its held in trust for the beneficiary so I don't see why it would be addressed in a divorce settlement. Has the student tried taking out the money? The parent with the bad attitude need not be involved. The student has a right to it and the trust...
by bberris
Wed Jan 22, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parent refuses to release Coverdell ESA funds
Replies: 34
Views: 3434

Re: Cheap Flights to Europe, where do you find them?

Be flexible. Some cities are just cheaper because of a new entrant into the market. Try Milan; there were good sales in 2013 because Emirates flies there. If you are up for adventure, fly to instanbul and spend a few days there. You can catch flights to anywhere from Instanbul. Or try Dublin by Aer ...
by bberris
Tue Jan 21, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 3061

Re: Contributions - Roth vs. Tradtional 401k

My company allows any split, change any time. But it has to be in whole number % of my pay, so I can't do for example 4.5 % in each. That could make it tricky if you are trying to nail down the last dollar of tax bracket room or allowed contribution.
by bberris
Sun Jan 19, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributions - Roth vs. Tradtional 401k
Replies: 4
Views: 495

Re: Efficient market theory - not

The EMT does not state that the market is always and everywhere rational. It says you can't get a significant edge legally. In this specific instance, how could you predict that people would be so stupid as to confuse the two companies? So EMT does allow for the madness of crowds. Madness is a diffi...
by bberris
Wed Jan 15, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient market theory - not
Replies: 10
Views: 603

Re: Bond funds are not riskier than bond ladders

afan wrote:This is great. I can drive the volatility of my portfolio of penny stocks to zero by declaring that I intend never to sell them and refusing to look at my statements.


Here is where ruby slippers and clicking heels could be useful. Oh, and if you stop believing in fairies, they disappear.
by bberris
Mon Jan 13, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 6388

Re: Investing with a Revalued American Dollar

The dollar floats freely against other currencies. It is continuously revalued by the market. You should understand that you are not referring to a single event. If you hold a firm opinion about the future value of the dollar there are lots of ways to place a bet, just as there are lots of ways to s...
by bberris
Fri Jan 10, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with a Revalued American Dollar
Replies: 20
Views: 896

Re: Invest HSA Funds in a non-deductible state?

You can read the rules here:

Pub 969 at the irs. And I won't even say LMGTFU.

I have done it a few times.
by bberris
Wed Jan 08, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Invest HSA Funds in a non-deductible state?
Replies: 7
Views: 372

Re: Invest HSA Funds in a non-deductible state?

Are you saying that you have to pay state income tax on your hsa contributions and then on the earnings in the hsa as well? I doubt they would tax the earnings. It seems more likely that they just don't allow the deduction. You can move your hsa funds anywhere (rollover once a year or trustee transf...
by bberris
Tue Jan 07, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Invest HSA Funds in a non-deductible state?
Replies: 7
Views: 372

Re: exponential rise in prices ?

I think it would be good if we had a specific reference or an example of what it is that you are observing. But bear in mind that "exponential" means continued change generally (but not necessarily) at a constant rate in the following form: y = a * x^n when x>1, y increases exponentially;...
by bberris
Tue Dec 31, 2013 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: exponential rise in prices ?
Replies: 7
Views: 1096

Re: Streaming to televison

Try free serviio as the dlna server. It should transcode on the fly, if you select that option as it is by default, and play on the sony
by bberris
Mon Dec 30, 2013 8:18 am
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3204

Re: Feel handcuffed to full service brokerage

Great ideas guys, will definitely check on my options with transferring. I suspect some funds are institutional class and won't transfer but I'll explore my options. I've misplaced my account performance for 2012 but am going to get it and update the post. For 2013 the stock account increased 30.2%...
by bberris
Sun Dec 29, 2013 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Feel handcuffed to full service brokerage
Replies: 18
Views: 1624

Re: Why Do New Operating Systems So Often Disappoint?

You confuse the fundamental difference between implementation and marketing. Yup and when the marketers lose touch with their customers you get: New Coke Smith and Wesson Mountain Bikes Microsoft Web TV Life Savers Soda Coors Rocky Mountain Spring Water Earring Ken Colgate Kitchen Entrees Crystal P...
by bberris
Sun Dec 29, 2013 8:18 am
 
Forum: Personal Consumer Issues
Topic: Why Do New Operating Systems So Often Disappoint?
Replies: 96
Views: 6731

Re: HSA Outbound Transfer Fee

Just do a rollover. Withdraw the money to your checking, and within 60 days deposit it where you want it.
by bberris
Fri Dec 27, 2013 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Outbound Transfer Fee
Replies: 5
Views: 353

Re: Guaranteed 6.5% return

[OT comments removed by admin LadyGeek]
by bberris
Wed Dec 25, 2013 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Guaranteed 6.5% return [US postage rate increase]
Replies: 38
Views: 4217

Re: Best way to contribute to HSA?

+1 You save with payroll deductions by not paying FICA and Medicare tax. However, you also reduce your reportable income to Social security, so the reduction affects the benefit. If your income is high the effect is small.
by bberris
Mon Dec 23, 2013 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to contribute to HSA?
Replies: 9
Views: 866

Re: Unaffordable Coverage per ACA

I would suggest going without insurance until you get sick. You can buy it then and can't be turned down for a pre-existing condition.
by bberris
Thu Dec 19, 2013 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Unaffordable Coverage per ACA
Replies: 46
Views: 3583

Re: Marginal Tax Rates

I would think this "narrow" band of penalty affects a lot of people who are not in a favorable position to be so affected. I am surprised this hasn't been fixed/addressed with a taxation smoothing process. Is there a reason they leave it like this? Um, this was the "fix". No soc...
by bberris
Sun Dec 15, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rates
Replies: 21
Views: 1600

Re: Auto Lawsuit Statistics

I am curious if anyone has some actual statistics or references regarding the likelihood of being sued for an auto accident (for an average driver) and the distribution of settlements/judgement for these lawsuits. The information would be very useful for making a much more informed decision about h...
by bberris
Sun Dec 15, 2013 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Lawsuit Statistics [Purchasing umbrella insurance]
Replies: 50
Views: 3026

Re: Calculation of LTCG

In fact, IRS assumes you are dishonest. In fact, the IRS assumes you are honest. The US tax system has always worked on the honor system. You fill out the form and you sign that your return in complete and accurate. Other countries tax you at the source (we have withholding, but that is not the tax...
by bberris
Sun Dec 15, 2013 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Calculation of LTCG
Replies: 8
Views: 402

Re: Calculation of LTCG

I think if you used your best efforts to estimate your gain using historical prices you would be ok. As you say, the IRS could not prove you wrong. In fact, IRS assumes you are dishonest.

Here's another reminder. Do not reinvest dividends in a taxable account.
by bberris
Sat Dec 14, 2013 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Calculation of LTCG
Replies: 8
Views: 402

Re: Whole Life Help

I wonder why there is no "whole hazard" policy for your house and car. You know, it would have a savings/investment account with it, as well as insuring your house against fire and your car against theft and liability. After all, a house or car insurance policy is, like term life, "hi...
by bberris
Fri Dec 13, 2013 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Help
Replies: 17
Views: 1095

Re: Who on here owned American Airlines Stock

Since I own TSM I guess I do/did but that's the beauty of diversification - issues like these are meaningless. I assume from your post you suffered a significant loss; I'm sorry to hear that. I suffered a significant loss from that one stock but am diversified enough to weather it. I just don't und...
by bberris
Thu Dec 12, 2013 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 20
Views: 1564

Re: Dividends... when will we know how much?

individual stocks are also marked down on ex dividend day. Doesn't this make sense? The movement of money from corporate (or mutual fund) bank account to your bank account does not create wealth. It might be less noticeable for individual stocks because their prices are noisier; averages are smoothed.
by bberris
Tue Dec 10, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 3102

Re: Income Maximization Without Regard to Principal

Junk bonds, really really junky bonds. The kind that pay high interest (when they can) and default when they can't. After all, you say you don't care what happens to the principal. This is the same kind of rationalization that keeps investors holding on to losers forever, because they've only lost &...
by bberris
Mon Dec 09, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income Maximization Without Regard to Principal
Replies: 15
Views: 910

Re: London and Paris Trip Advice

In Paris, the big art museums generally have long lines to buy tickets. Get your ticket at a FNAC (the French Best Buy.. or is that acheter a bon prix) store instead, and then just go through the usually short security line. I see the orsay and louvre on their website and many others. You can buy in...
by bberris
Sat Dec 07, 2013 9:24 am
 
Forum: Personal Consumer Issues
Topic: London and Paris Trip Advice
Replies: 34
Views: 1951

Re: Treating Dividends/Profit Sharing as a bond

We seem to have a lot of threads asking "Can I treat X as a bond". I guess because people expect bonds to fall they want to justify low bond exposure. You can treat X as a bond but that doesn't make it a bond. It reminds me of that quote (lincoln?). How many legs does a dog have if I treat...
by bberris
Fri Dec 06, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treating Dividends/Profit Sharing as a bond
Replies: 7
Views: 421

Re: John Hancock 401k transfer fee

OP did you have your money in a stable value fund? These funds use insurance to stabilize the value at $1 while extending maturities to 1 year or more to improve returns. The catch is that the insurance company expects no mass withdrawals. That is why these funds only exist in 401ks where there are ...
by bberris
Fri Dec 06, 2013 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401k transfer fee
Replies: 51
Views: 2540

Re: of bitcoins, money & Byzantium

http://dealbook.nytimes.com/2013/11/27/a-prediction-bitcoin-is-doomed-to-fail/?_r=1& .... - part of it was about currency degradation. when the Empire was weak, or broke, the Emperors did resort to reducing the silver content of currency, thus devaluing it. It makes important archaeological evi...
by bberris
Wed Dec 04, 2013 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: of bitcoins, money & Byzantium
Replies: 78
Views: 4064

Re: Lease or buy a car?

No, buying is not always better than leasing. They are just two different ways of financing the purchase. Either one could be a great deal or a bad deal. Leasing is almost always a new car, so its more expensive in the sense that you are paying for the new car depreciation. More expensive does not m...
by bberris
Wed Nov 20, 2013 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 2961
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