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Re: Getting Passport without specific travel plans?

Just say you might travel to Canada from time to time. You don't need to be specific.

I'm amazed at how many people don't have a valid passport or a passport at all.
by corner559
Fri Apr 11, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1800

Re: Passport validity: Do I need at least 6 months?

Just get it done. And if you think you're going to cut it close, get it expedited.
by corner559
Fri Apr 11, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted. Really? http://i60.tinypic.com/2iabriu.jpg Really. Here's the message you get when trying to view Q1 statements... "There are no statements available for this time period. Please use the dropdowns to make another selection."
by corner559
Fri Apr 04, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2051

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted.
by corner559
Fri Apr 04, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2051

TIPS - VIPSX, Why no Admiral Shares?

Anyone know why there are no Admiral shares for the TIPS fund? Or if they plan on rolling one out?
by corner559
Tue Mar 25, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 8
Views: 577

Re: Vanguard Sector Funds in Taxable?p%

Thanks.

If I were to increase my allocation to 10% or so later in but stay at the low tax bracket would the same still hold true? I guess a better question would be what is the maximum allocation before tax drag is no longer minimal given my tax situation?
by corner559
Sun Feb 23, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 947

Re: Where do you park cash?

I just moved my cash from HSBC online savings to a Barclays online savings account which pays much better rates.
by corner559
Fri Feb 21, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 4990

Re: Vanguard Sector Funds in Taxable?

Thanks for the replies. That advice does make sense though to be clearer I should explain my situation a little further... 1) My tax bracket fluctuates between 10 and 15% due to my living overseas. I'm not required to pay U.S. income tax on most of my income. 2) I'm not able to contribute much to my...
by corner559
Fri Feb 21, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 947

Vanguard Sector Funds in Taxable?

I'm considering purchasing Vanguard sector funds for my taxable account (Energy, Health and Precious Metals). Would these be ok for taxable accounts? I've heard the REIT fund would not be suitable for taxable accounts but am unsure about the other three.
by corner559
Fri Feb 21, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 947

Re: Should I add more money to a TIPS fund when its value dr

In my taxable account I hold a portion in TIPS. Rather than rebalance, I just put money into whichever fund is below its targeted asset allocation. So this past year almost all my money has been in going into TIPS as I know that at some they will improve given my long time horizon.
by corner559
Tue Jan 07, 2014 3:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I add more money to a TIPS fund when its value drops?
Replies: 40
Views: 2298

4 Pillars - Questions about Balancing and Value Tilt

I just finished the 4 Pillars of Investing. GREAT book, but it did leave me with a couple of lingering questions. 1) How necessary is a value tilt? I like to keep things simple but he advocates adding some large and small cap value index funds to the mix. 2) How many of you wait at least 2 years bef...
by corner559
Sun Jan 05, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: 4 Pillars - Questions about Balancing and Value Tilt
Replies: 4
Views: 407

Re: Do you think Warren Buffet was being irresponsible

I wonder what he thinks a good alternative would be for those close to retirement or currently retired.
by corner559
Sat Dec 28, 2013 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Do you think Warren Buffet was being irresponsible
Replies: 31
Views: 3004

Re: Is anybody considering reducing bond purchases

My IPS calls for me to increase my bond exposure by 5% so I'll be staying the course and buying much more this upcoming year no matter what the bond market is doing.
by corner559
Wed Dec 25, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1526

Re: Vanguard e-document delivery procedures have changed

If you switch to US Mail, will the e-version of everything still be readily available? I also noticed the annual statement gone, so I want to switch to all paper now. Ridiculous.
by corner559
Tue Dec 24, 2013 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard e-document delivery procedures have changed
Replies: 13
Views: 1262

Re: Online Saving Bank Account

We're talking about bank accounts with less than a 1% difference in interest. Hardly much money being gained or lost one way or another. Sorry but .8% to me is significant. On just $100K in assets that will mean I'll be paid $800 more in 2014 than this year assuming HSBC's rates and Barclay's rate ...
by corner559
Sun Dec 22, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3628

Re: ROTH Question

That's correct. I'm under the $92,000 or so threshold.

Many thanks for the answer. That clears things up!
by corner559
Thu Dec 19, 2013 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 817

Re: ROTH Question

Thanks for the reply. My gross is over $5,000 but my net is under $5,000. Here's an example... I grossed 7,000 in my business in 2013. However, my net earnings after deducting expenses was just $2,000. 1) I can contribute 25% of the $2,000 to my SEP IRA. 2) AND I can contribute $2,000 to my ROTH sin...
by corner559
Thu Dec 19, 2013 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 817

Re: ROTH Question

Anyone???
by corner559
Thu Dec 19, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 817

Re: Online Saving Bank Account

The extra .8% in interest will add up to quite a bit extra in interest in the long run. How long is your long run? How long do you think you will be getting an extra 0.8% interest? Three months? Ten months? Two years? Ten years? Once you decide what your long run is, how much is quite a bit extra i...
by corner559
Thu Dec 19, 2013 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3628

Re: Online Saving Bank Account

This has been a great post. Thanks to feedback and some additional research I'll be dropping HSBC and moving everything over to Barclays. The extra .8% in interest will add up to quite a bit extra in interest in the long run.
by corner559
Thu Dec 19, 2013 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3628

Re: Online Saving Bank Account

Van-Guard23 wrote:I transferred money out of my HSBC online Savings Account to Barclays (0.90%) earlier this year...HSBC just wasn't competitive any more. I also have an Ally Online Savings Account (0.85%). I have been pleased with both of them.

How quick are money transfers both in and our of Barclays?
by corner559
Thu Dec 19, 2013 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3628

Re: Online Saving Bank Account

American Express Bank is where I have my online savings accounts currently at 0.85% and has been there for quite some time now: https://personalsavings.americanexpress.com/index.html I'm also with HSBC and am thinking of switching to AMEX's bank. In reading someone online reviews it seems that with...
by corner559
Thu Dec 19, 2013 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3628

Re: ROTH Question

And one additional question.... Would the ROTH contribution limit for me would be based on the net earnings or gross earnings?
by corner559
Wed Dec 18, 2013 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 817

ROTH Question

I asked a question a bit ago about ROTH contributions while living abroad and got a lot of helpful answers from people, and now my situation has changed slightly. I now have a small amount of income I earn from a different side business in the US, but it only amounts to about 2,000 US$ annually. As ...
by corner559
Wed Dec 18, 2013 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 817

Re: Second career in teaching?

I did the switch from finance to teaching not too long ago, and I only wished I had done it earlier. Life's too short to spend 40-60 hours a week in something that you get no enjoyment out of. Yes, I took a massive pay cut but enjoy going into school every day and teaching my students. I will pursue...
by corner559
Mon Oct 07, 2013 4:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Second career in teaching?
Replies: 28
Views: 2116

Re: Email, legal name or alias?

I use multiple e-mail addresses. One that only family/close friends know. One for signing up for websites like this that I never have to check because I know it's all junk mail. One for my business. One for only my finances. And one I use with travel sites since I travel frequently.
by corner559
Thu Aug 15, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Email, legal name or alias?
Replies: 21
Views: 1757

Re: Any US-Only/Mostly-US Stock Holders Getting Nervous?

I have a portion of my assets set aside for grad school and other rainy day things. After relooking at it, I reduced my equities exposure and moved a large chunk to cash. If the market does tank for whatever reason I won't lose any sleep over it. My retirement money has a 30 year time horizon so I h...
by corner559
Thu Aug 15, 2013 4:32 am
 
Forum: Investing - Theory, News & General
Topic: Any US-Only/Mostly-US Stock Holders Getting Nervous?
Replies: 114
Views: 10369

Re: POLL: How much do you like your job?

I love my job. I worked in corporate America for many years and was miserable. I don't understand why anyone would spend 40 hours of their lives each week doing something they don't enjoy or aren't passionate about. I quit my job and moved into something I enjoy much more making 1/3 what I used to. ...
by corner559
Tue Aug 13, 2013 7:04 pm
 
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 2936

Re: Anybody who bought a Kindle go back to regular books?

No. Having a Kindle is FAR more convenient than lugging around physical books, especially when traveling. I don't ever plan on going back to traditional books.
by corner559
Sun Jun 23, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Anybody who bought a Kindle go back to regular books?
Replies: 74
Views: 4423

Re: Do I really need a Smartphone?

I live overseas and would have a much harder time managing were it not my for my smartphone. For example, I recently sold my condo and all of the documents that had to be signed and sent over to the States were scanned using a scanning app on my phone saving me multiple trips to the post office or h...
by corner559
Fri Jun 07, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 25692

Re: Converting RO IRA to ROTH

I'll be using the cash within the next 2-3 years for grad school. And while in school I have enough saved up to not have to work for the duration of my studies.

Should money from my RO IRA be used to pay the taxes or should I use the cash I have in hand to pay the taxes?
by corner559
Fri May 10, 2013 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting RO IRA to ROTH
Replies: 8
Views: 474

Re: 100% equities, anyone?

I'm in my late 30's and 95% in equities. When I hit 40 I'll dial it back to 90%.
by corner559
Fri May 10, 2013 11:32 am
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9635

Converting RO IRA to ROTH

I have about $150,000 sitting in a Rollover IRA. My US tax rate is currently 0% since I live overseas and I earn under the $90,000 or so threshold for taxable income outside of the US. I don't plan on returning to the States for some time, so would it make sense for me to convert all of my holdings ...
by corner559
Thu May 09, 2013 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting RO IRA to ROTH
Replies: 8
Views: 474

Re: Fixed Income Asset Allocation

Many thanks for the great responses as always.
by corner559
Wed May 08, 2013 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1496

Re: Bad idea to put in contingencies when buying a house?

Don't do it. I just sold a place and had 6 offers. The very first thing I did with my agent was toss out the bids with contingencies. I didn't want to deal with the headache. If it's something really glaring, you can just ask for a credit. In my case, the buyer wanted a new microwave, and I gave the...
by corner559
Thu Apr 25, 2013 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Bad idea to put in contingencies when buying a house?
Replies: 21
Views: 1843

Re: Fixed Income Asset Allocation

So, does anyone see a downside to pushing all my fixed income allocation into one or the other? I've thought of doing that to simplify my portfolio further.
by corner559
Thu Apr 04, 2013 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1496

Re: Fixed Income Asset Allocation

read up, my friend! :) http://www.bogleheads.org/wiki/Certificate_of_Deposit According to a survey conducted by Bankrate.com, early withdrawal penalties vary widely. The most common penalties are 3 months and 6 months interest. one way to work around the liquidity problem is by building a ladder of...
by corner559
Wed Apr 03, 2013 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1496

Re: Fixed Income Asset Allocation

Archie Sinclair wrote:Have you considered certificates of deposit?

I've never considered CD's nor have I ever owned them. I don't like the idea of my money being stuck somewhere for a long period of time in case of an emergency. It's my understanding that there's a very large penalty for early withdrawals.
by corner559
Wed Apr 03, 2013 1:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1496

Fixed Income Asset Allocation

A small portion of my portfolio is in fixed income. Conventional wisdom on these boards seems to indicate that just holding the VG Total Bond Index Fund is a good way to go. I've split it 50/50 between that and the VG TIPS fund. Anyone see an up or downside to doing this vs. holding all of my fixed ...
by corner559
Tue Apr 02, 2013 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1496

Re: Expats maintaining US medical insurance.

Hey Beth / Corner, I'm in a similar situation as you mention in this post. I was hoping to get some clarity on my question but my current employer and insurance company have been hopeless. Anyhow, I need to know if ill be able to utilize my COBRA coverage In a foreign country. It seems like you may...
by corner559
Fri Mar 29, 2013 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Expats maintaining US medical insurance.
Replies: 9
Views: 1366

Re: Sell or Hold Onto Rental Property

Thanks all for the replies. I ended up listing it shortly after I posted and it went into escrow within a week. I think I definitely made the right choice. I did look into doing a refi as an alternative option, but would not have saved enough to make up for my losses. Now I just need to figure out w...
by corner559
Fri Mar 29, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell or Hold Onto Rental Property
Replies: 5
Views: 713

Sell or Hold Onto Rental Property

I have moved overseas but kept my condo that's in a very prime area of a large west coast city. It's currently occupied, but I'm losing a little money on it each year. Here are the details... The home is worth $400,000. I owe 190,000 on the loan and am paying a rate or 4.625% and am looking to refi ...
by corner559
Sat Mar 02, 2013 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell or Hold Onto Rental Property
Replies: 5
Views: 713

Re: Poll: How big is your emergency fund?

So if I have 6 months, which answer do I pick? 3-6 months or 6-9 months? You aren't going to get good responses with overlapping answers like that.
by corner559
Sun Sep 30, 2012 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How big is your emergency fund?
Replies: 51
Views: 4790

Refi of rental property

I want to do a refi of a condo that is no longer my primary residence. I now rent it out. However, a call to 3 mortgage companies so far has gotten me nowhere because all say that they won't do a 30 year fixed mortgage which is what I'd like to do. They will only allow me to do a 15 year fixed mortg...
by corner559
Sun Sep 30, 2012 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi of rental property
Replies: 9
Views: 969

Re: Should I purchase American Funds at NAV or index funds?

American Funds are an absolute rip off and actively managed to boot. Stick with an index fund.
by corner559
Mon Jul 09, 2012 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I purchase American Funds at NAV or index funds?
Replies: 27
Views: 1963

Re: Wiring funds abroad from Vanguard

I just have the funds sent to my U.S. bank account and then transferred into my foreign account. I have accounts at other institutions, and they are all linked to one U.S. based account. This is a lot easier than setting up individual int'l wire transfers at each respective financial firm that I dea...
by corner559
Mon May 21, 2012 4:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Wiring funds abroad from Vanguard
Replies: 15
Views: 918

Re: Vanguard or Fidelity..does it matter ?

Another important distinction is the ownership structure of Vanguard. Vanguard is unique in that it's owned by its own funds. Every investor is, in part, an owner of Vanguard itself. What's good for one is good for the other. You're buying a truly "mutual" fund. Fidelity has the more typi...
by corner559
Tue May 15, 2012 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 8911

Re: Average wedding = 25k?

There are so many variables, and things you can do to keep costs down if you want. We had our wedding just after noon, so that the reception fell neither at lunch nor dinner. That let us avoid the fancy sit-down meal. Likewise, we opted not to serve alcohol other than champagne; an open bar with al...
by corner559
Sun May 06, 2012 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Average wedding = 25k?
Replies: 110
Views: 6769
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