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Re: Obese airline passenger

I'm not sure if it is an airline policy or FAA safety regulation, but I watched a flight attendant move an obese person out of an exit row. The flight attendent proclaimed that those requiring a seatbelt extender were not permitted to sit in exit rows. For your next flight you should try to reserve ...
by canga
Sun Sep 28, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4947

Mechanics of Gifting Vanguard Shares to NRA Spouse

Hello Bogleheads, I am trying to understand the mechanics of gifting appreciated stock shares to my non-resident alien spouse so that we can rebalance back to our asset allocation and legally avoid paying US taxes. I understand that for gifts made in 2014, the annual exclusion for gifts to a non-res...
by canga
Sun Jul 27, 2014 3:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 0
Views: 294

Recommend compression socks for flights - Sizing?

Hi, I'm interested to try compression socks specifically for long haul flights (8 to 20+ hours). Can anyone recommend a brand? I'd prefer a product I can buy from Amazon.com as they will ship internationally, but I'd consider buying from an independent website. How do you choose a good sizing? My sh...
by canga
Sun Jul 13, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Recommend compression socks for flights - Sizing?
Replies: 6
Views: 680

Re: Dave says $300 a month can grow to $3M

Dave actually likes 12% returns. Use 12% without any match and what do you get? I don't think using nominal is wrong; that's the way people think. Even here, "what's your number" is typically not inflation adjusted. Dang, that SpringMan beat me to it. $300 a month at 12% gets you $3.5M af...
by canga
Sat Dec 07, 2013 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8806

Re: Wiki (?) - Investing as an expat (US citizen living abro

Thanks for bumping this one, canga. And thanks originally proposing it, LadyGeek. I noted the suggestion with interest when it first came out, but didn't have time then to write up some starter text. Unfortunately, I still don't have time to get the ball rolling, but would be happy to contribute ed...
by canga
Mon Oct 21, 2013 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki (?) - Investing as an expat (US citizen living abroad)
Replies: 41
Views: 3736

Re: Wiki (?) - Investing as an expat (US citizen living abro

I just found this post -- hopefully a bump brings more feedback. It's very difficult to get accurate investing and tax advice for expats so I would certainly welcome a wiki article. Here are a few basic concepts to get the ball rolling (highest priority first): 1. Overview of the foreign earned inco...
by canga
Mon Oct 21, 2013 7:18 am
 
Forum: Investing - Theory, News & General
Topic: Wiki (?) - Investing as an expat (US citizen living abroad)
Replies: 41
Views: 3736

Re: 48 Hours in Hong Kong -- Recommendations?

I love HK food ;-) Try one of the Tim Ho Wan locations for all-day dim sum: http://www.seriouseats.com/2013/05/snapshots-from-hong-kong-dim-sum-at-tim-ho-wan-sham-shui-po.html My favorite place for BBQ goose, although going with a group is better to order many dishes: http://www.yungkee.com.hk/whats...
by canga
Sun Oct 20, 2013 7:01 am
 
Forum: Personal Consumer Issues
Topic: 48 Hours in Hong Kong -- Recommendations?
Replies: 4
Views: 616

Re: Should I bother with this Stable Value Fund

I'm interested in any follow up discussion on this topic since I'm also trying to figure this out. The ER is high but not the highest I've had for a 401k fund, and the returns are expected to be low in this environment. I'm guessing that your insurer's are shown on Page 2 with their associated credi...
by canga
Tue Oct 01, 2013 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I bother with this Stable Value Fund
Replies: 3
Views: 801

Re: How did you/you child pay for college?

My undergrad was paid for by a combination of parents, part time job, scholarships, and student loans. My graduate degree was paid half by employer and half through cash flow by full time employment. No children yet but I think I would encourage them to go to a state school for undergrad unless the ...
by canga
Sat Sep 28, 2013 10:23 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9191

Re: Help w/ 401k Elections

Switching the IRA to the REIT fund to reduce the use of the high-cost REIT fund in the 401K looks like a clear winner, preferably sooner rather than later. In the case of the stable value fund it's not obvious, but at least compare its yield with regular bonds, and look into the credit risk. Thanks...
by canga
Wed Sep 11, 2013 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401k Elections
Replies: 3
Views: 468

Help w/ 401k Elections

Hi Bogleheads, I am trying to select 401k options for new 401k choices and would really appreciate your help. Here is my info: Basic Info Emergency funds: Six months in I Bonds Debt: $0 Tax Filing Status: Single Tax Rate: 28% Federal, 0% State State of Residence: Expat Age: 31 Desired Asset allocati...
by canga
Mon Sep 09, 2013 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401k Elections
Replies: 3
Views: 468

Re: Dave Ramsey Defends His Investment Advice

Regarding Dave's 100% stock portfolio, for someone that abhors debt it would seem hypocritical to invest in a debt instrument. His fixed income comes from debt free real estate, which most on this forum discourage as a viable investment. The 8% withdrawal rate is inexcusable, but then again, so is b...
by canga
Fri Mar 15, 2013 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 12023

Re: Books for Selling Consulting/Engineering Services

Thanks for all the recommendations, I have lots of reading to do!
by canga
Mon Feb 18, 2013 6:43 am
 
Forum: Personal Consumer Issues
Topic: Books for Selling Consulting/Engineering Services
Replies: 5
Views: 544

Re: I am 99% Tax Exempt- Am I ineligible for ROTH?

I am not that familiar with Foreign Tax Credit since I've only used the Foreign Earned Income Exclusion and Foreign Housing Exclusion. You probably want to see a US tax professional in Korea who can give you the best advise for your situation, because there are likely nuances that I'm not aware of. ...
by canga
Sat Feb 16, 2013 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: I am 99% Tax Exempt- Am I ineligible for ROTH?
Replies: 9
Views: 1195

Books for Selling Consulting/Engineering Services

I'm a professional engineer working as a consultant, and I am getting the opportunity to travel to a new region to take over a small existing client base. In between projects I expect to be knocking on doors, taking potential clients to lunch, etc., to help grow the client base. Can you recommend a ...
by canga
Thu Feb 14, 2013 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Books for Selling Consulting/Engineering Services
Replies: 5
Views: 544

Re: does it make sense to pass on the flex acct at work?

I treat the FSA as a line item in my yearly budget. Add up all expected copays and medications. If you are having an expected upcoming procedure, throw that in as well (braces, lasik, newborn, etc). Go to http://www.drugstore.com and check the FSA eligible items to see if you need anything. I used t...
by canga
Sun Dec 30, 2012 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: does it make sense to pass on the flex acct at work?
Replies: 64
Views: 3976

Re: FEIE - Minimum Earned Income for Roth IRA?

The FEIE reduces earned income. I have never used the Foreign Housing Exclusion, so not sure, but believe it works like the FEIE. The Personal Exemption and Standard Deduction do NOT reduce earned income as far as Roth contributions are concerned. I have never had a 401k, so don't know how those wo...
by canga
Thu Dec 27, 2012 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: FEIE - Minimum Earned Income for Roth IRA?
Replies: 4
Views: 1049

FEIE - Minimum Earned Income for Roth IRA?

I live overseas and utilize the foreign earned income exclusion (FEIE). I came into some unexpected earned income for 2012 and as a result I am trying to determine if I have enough earned income to contribute to a Roth IRA. IRS Numbers from 2012: Foreign Earned Income Exclusion (FEIE): $95,100 Forei...
by canga
Wed Dec 26, 2012 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: FEIE - Minimum Earned Income for Roth IRA?
Replies: 4
Views: 1049

Re: I-Bonds: How long does it take to buy them?

Do you have a Treasury Direct account? If not, don't wait - set it up now! The absolute last day to submit your order for purchase is the next to last business day before the actual purchase. This year 12/31 falls on a Monday - if you want to ensure your purchase goes through on Monday - I'd place ...
by canga
Thu Dec 20, 2012 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: How long does it take to buy them?
Replies: 33
Views: 3506

Re: Tax planning for taxable account - When to rebalance?

If it doesn't matter whether the gains are short or long-term, because they'll fit into what you're allowed for 0%, then I'd vote take them now. Now you know the amount, and that they'll fit. Later in the year, they may not. If you're not comfortable holding these funds for the long term, then get ...
by canga
Mon Aug 20, 2012 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax planning for taxable account - When to rebalance?
Replies: 9
Views: 4191

Re: Tax planning for taxable account - When to rebalance?

Thanks for all the replies. No, I don't have any more carry over losses, which were used to offset gains in 2011. These gains were from getting rid of the last of my single stock holdings. I do have to fit dividends, interest, and capital gains distributions into the US$9750. All of my new contribut...
by canga
Mon Aug 20, 2012 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax planning for taxable account - When to rebalance?
Replies: 9
Views: 4191

Tax planning for taxable account - When to rebalance?

Back in October 2011 I tax loss harvested two funds: Vanguard Total Stock Mkt Idx Adm (VTSAX) into Vanguard Large Cap Index Adm (VLCAX) Vanguard Small Cap Value Index Admiral (VSIAX) into Vanguard Small Cap Index Adm (VSMAX) The new funds that are not part of my asset allocation have since recovered...
by canga
Sun Aug 19, 2012 5:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax planning for taxable account - When to rebalance?
Replies: 9
Views: 4191

Re: Contributing to ROTH from China

Not sure what you mean by "money coming in from the 401k". I plan on just taking the proceeds from the 401k. I'm not actually sure how it works to be honest, so I'll have to look into it some more. Good to know it doesn't count as income though. The income we're talking about here is &quo...
by canga
Thu Jun 28, 2012 12:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to ROTH from China
Replies: 8
Views: 661

Re: Estimating Future Returns

I really appreciate all of the feedback, and I went back through Larry's book to try and get a better understanding so I can ask some follow-up questions. I realize that a specific estimated return is impossible to predict and it will of course vary each year. However, I have found that this approac...
by canga
Wed Apr 04, 2012 3:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Estimating Future Returns
Replies: 9
Views: 1137

Estimating Future Returns

I am trying to estimate future portfolio returns. I found several helpful pages in Larry Swedroe's "The only Guide to a Winning Investment Strategy You'll Ever Need." On page 178 there is a table titled "Need to Take Risk" which provides a recommended equity allocation versus the...
by canga
Sun Mar 25, 2012 6:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Estimating Future Returns
Replies: 9
Views: 1137

Re: Camera buffs: 1st high-end camera for DW?

Wow, thanks for all the feedback. I think I will steer DW into a camera shop this weekend and check our some of our options. I'll also look into the Micro Four Thirds styles and the D3100. I haven't set a definitive budget. The $800 to $1200 price range seems to the sweet spot to get a lot of camera...
by canga
Tue Dec 13, 2011 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Camera buffs: 1st high-end camera for DW?
Replies: 45
Views: 3065

Camera buffs: 1st high-end camera for DW?

I'm considering buying a "high-end" camera for DW. We've never had more than just point and shoot cameras, but she's been hinting about getting something that will take impressive photos. I've been looking for something versatile, but also portable. We are late 20s and do quite a bit of ba...
by canga
Mon Dec 12, 2011 7:44 am
 
Forum: Personal Consumer Issues
Topic: Camera buffs: 1st high-end camera for DW?
Replies: 45
Views: 3065

djw, Thanks for the long and thoughtful response. I know the work is something I'll enjoy, probably more than my work now. For some reason I thought I would just know one way or the other that it would or wouldn't be the right move. I don't know if I fear the unknown or if it's just not the right ti...
by canga
Fri Oct 14, 2011 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I take the leap? [change jobs]
Replies: 3
Views: 759

Should I take the leap? [change jobs]

I'm trying to decide whether or not to change jobs, and I value the opions of the people here who are wise beyond my years. I am an expat and the move would be to Australia. In my current job I am more of a project manager than an engineer. The work is not very challenging nor very technical. The lo...
by canga
Wed Oct 12, 2011 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take the leap? [change jobs]
Replies: 3
Views: 759

Gifting stock to Hong Kong spouse?

We're considering whether or not to purchase a flat in Hong Kong, and at 10% down our price range is a down payment of somewhere between US$40k to US$100k. This is not at all set in stone given the current property prices in the region and the lack of a fixed interest rate. If we find something suit...
by canga
Sat Jul 23, 2011 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting stock to Hong Kong spouse?
Replies: 1
Views: 490

Re: Pay Off Students Loans or Invest?

I at 35 years of age I currently have 55,000 in student debt at 4.25% interest. I also currently have 65,000 approx in cash and taxable investments. So...my big dilemma now is whether to invest the 65,000 or use it to pay off my student loans and keep the remaining 10,000 as a cash emergency fund. ...
by canga
Fri Jan 15, 2010 5:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay Off Students Loans or Invest?
Replies: 14
Views: 2115

Thanks FoolishJumper. I knew there'd be strings attached to the foreign earned income exclusion. Losing the IRAw hurts, and the 401k is less appealing. I guess there's only so much you can do to avoid taxes.
by canga
Sat Dec 12, 2009 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribute after-tax dollars to 401k and Traditional IRA?
Replies: 10
Views: 3307

Thanks for the responses! I think I'll still max the 401k, given that for my generation I'm likely to change jobs in the future. I'll contribute to the Roth 401k if it becomes available. Two more questions: Because I'm not contributing to a 401k pre-tax, will I get taxed when I roll the money into a...
by canga
Fri Dec 11, 2009 3:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribute after-tax dollars to 401k and Traditional IRA?
Replies: 10
Views: 3307

Contribute after-tax dollars to 401k and Traditional IRA?

Hi, I signed a 2-year contract for overseas work. I currently max 401k and Roth IRA (25% tax bracket). My income is under the foreign earned income exclusion and the foreign living allowance. I will owe no tax. I read that one should never contribute after tax dollars to a tax-deferred accounts: The...
by canga
Thu Nov 26, 2009 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute after-tax dollars to 401k and Traditional IRA?
Replies: 10
Views: 3307

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