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Re: Limit to SEP to ROTH Conversions?

That is correct, but I was referring to using your US SE income as a source for Roth contributions. While that would provide the earned income to make the contribution, the excluded foreign income must be added back to determine your MAGI. If that MAGI is too high you cannot make a regular Roth con...
by corner559
Wed Feb 11, 2015 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 324

Re: Limit to SEP to ROTH Conversions?

You can convert as much as you wish to a Roth IRA. There is also no limit on the number of conversions you do in the process. If you happened to make excess SEP contributions and converted them, you would have to recharacterize some conversion money in order to get the money back in the SEP to corr...
by corner559
Mon Feb 09, 2015 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 324

Limit to SEP to ROTH Conversions?

I have a SEP IRA setup for a US based business I have. Because of my tax situation, I would like to convert that money to a ROTH IRA and pay the taxes now instead of later. Is that possible to do on an annual basis? Are there any limits to Roth Conversions that I'm overlooking? Could I do this immed...
by corner559
Mon Feb 09, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Limit to SEP to ROTH Conversions?
Replies: 5
Views: 324

Re: Paperless Office?

I use an app on my iPhone called "TurboScan" which I use to scan all my paperwork. I actually could not have closed the sale of my property in the US without this app. I was able to scan all my paperwork and have it sent back to the US. Copies are kept on my phone and backed up on my exter...
by corner559
Sun Feb 08, 2015 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3145

Re: Looking for a DSLR that will allow me to get fairly seri

I would advise you to save the money (and weight) and get an APS-C (crop) sensor camera, not full-frame. If you need full frame, you should be able to clearly explain why you need it. Today's crop sensor cameras take fantastic photos in almost any conditions -- there are only very specialized reaso...
by corner559
Thu Feb 05, 2015 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6314

Re: Looking for a DSLR that will allow me to get fairly seri

I have been with Canon for 8+ years. Admittedly I haven't spend much time with Nikons, but if Ken Rockwell is right, Nikons do certain things a little weirdly. Lenses have compatibility problem (on the other hand you can use any Canon EF lens on any EOS body, including film SLRs from 80s and AF alw...
by corner559
Thu Feb 05, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6314

Re: Looking for a DSLR that will allow me to get fairly seri

For your budget I would go with the Nikon D810. It's the best DSLR out there IMHO. I shoot with the D800 and plan on upgrading very shortly. I think you'd be hard pressed to find a bad review on this camera regardless of what site you look on. As far as lens is concerned, I would go with Nikkor 24-7...
by corner559
Wed Feb 04, 2015 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6314

Re: Vanguard survey: what should they do differently?

Also, I would like to see them display the day's losses/gains. It's something that's VERY easy to implement. Using Morningstar to have to view this piece of information is tiresome. I don't understand why they don't show this. You can create a "watch list" on the Vanguard site. It will sh...
by corner559
Wed Feb 04, 2015 3:23 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4238

Re: Vanguard survey: what should they do differently?

They need Admiral shares for their Target Date funds.

Also, I would like to see them display the day's losses/gains. It's something that's VERY easy to implement. Using Morningstar to have to view this piece of information is tiresome. I don't understand why they don't show this.
by corner559
Tue Feb 03, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4238

Re: Options for calling the U.S. from International ?

What do you mean by International Rates? My calls from outside the States are 4 cents a minute, and with that I have a US-based phone number that anyone from the US can call me on as if I were in the US. When someone calls me from the US it's as if they are calling a local number and I get charged Z...
by corner559
Mon Feb 02, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 1914

Re: Options for calling the U.S. from International ?

hlfo718 wrote:Skype worked well and really cheap when my family and I were in Asia calling US. We also used Facetime. Both have voice only option.

I also use and like Skype because I can use it anywhere on my iPhone and call just about any country.
by corner559
Mon Feb 02, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 1914

Re: Used Car Recommendations for Friends

I would suggest a Camry or an Accord. It will cost more than other makes, but should pay for itself over the years with fewer repairs, and greater longevity. Jeff I agree. I also wouldn't bother with anything other than a Camry or Accord. If they want something a little nicer, I'd go for a Lexus or...
by corner559
Mon Feb 02, 2015 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Friends
Replies: 12
Views: 816

Re: Personal finance book recommendation for wife?

My all time favorite is Random Walk Guide to Investing by Malkiel (not to be confused with Random Walk Guide to Wall Street by the same author). This is the book that started it all for me. It's a quick read and can easily be finished in a day. There's a lot of good, solid advice.
by corner559
Sun Feb 01, 2015 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance book recommendation for wife?
Replies: 6
Views: 744

Re: How to climb up in a megacorp

1) Choose your battles very, very carefully.
2) Don't complain and wear it on your sleeve. No one wants to be around that. Management doesn't want to deal with people like that.
by corner559
Tue Jan 27, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5112

Re: Ditch Wells Fargo banking for online banking?

I've also thought about this but concluded it's a good thing to have a bricks and mortar bank that I can visit. For example, I once had a garage sale to get rid of tons of junk an ended up with thousands in cash. I could easily go to the bank to deposit it. I collect coins in a coin jar and refuse t...
by corner559
Thu Jan 22, 2015 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Ditch Wells Fargo banking for online banking?
Replies: 25
Views: 2145

Re: $7 gas - what would you do?

Until recently gas was over $8 in the country where I live. So until gas prices climb northward of $5 a gallon in the States, I have zero sympathy for the whiners who complain when gas nudges up a few cents or even one dollar.
by corner559
Wed Jan 21, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18879

Re: What did you enjoy spending money on this year?

I splurged on a trip to Bali and stayed in a villa with private plunge pool at the Four Seasons. It was worth every penny.
by corner559
Mon Dec 29, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6041

Re: POLL: What are your monthly food expenses?

Around 800-900+ for me per month for one person. Closer to the holidays over 1000.
by corner559
Tue Dec 23, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4911

Re: What % of net worth is your home?

0%. I rent.
by corner559
Tue Dec 23, 2014 4:37 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11108

Re: How much is reasonable to spend on vacation?

I'm like previous responses and am frugal in many areas, but when I travel I go all out. When I travel I don't like to be inconvenienced. It's my vacation time, and I want it to be as stress-free as possible. I won't stay in cheap hotels. If the flight is a long international one, I'll use miles to ...
by corner559
Mon Dec 15, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much is reasonable to spend on vacation?
Replies: 30
Views: 3008

Re: What do you splurge on?

I splurge on luxury travel and eating out. But because of where I live, I rent a tiny apartment for dirt cheap, no longer own a car (public transportation is excellent where I am), and when I'm not eating at nice restaurants I have no problems going to pick up fast food for a quick bite.
by corner559
Mon Dec 15, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24631

Re: TIPS Mutual Funds

My fixed income assets are evenly divided between VG's Total Bond and VG's TIP fund.
by corner559
Sun Dec 14, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3066

Re: Is it safe to leave Laptop in hotel room

I don't usually travel with a laptop, but I have a friend who does. He always leaves his on the desk or table with it open and a post-it pointed to the webcam camera that says, "Smile! You're on camera!"

He's never had his stolen once.
by corner559
Mon Dec 08, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13925

Re: Low Price Nikon Camera

I shoot professionally as a side gig. I think that these days the newest phones rival many point and shoot cameras. If that's all you're looking to spend on a camera, I think you're better off putting that money towards a new phone with decent camera. When I don't feel like lugging my big DSLR aroun...
by corner559
Thu Dec 04, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1832

VG Total Stock Market Index Fund

[Thread merged, see below. --admin LadyGeek] This was just published on Marketwatch. Would be curious to hear reactions about this article that says that the Total Stock Market Index fund isn't all it's cracked up to be. http://www.marketwatch.com/story/why-vanguard-total-stock-market-isnt-the-best...
by corner559
Thu Dec 04, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29754

Re: Live in Japan with no plans of coming home. Should I do

I also live overseas and have had a lot of talks with people on this issue. This is what I've found to be true for my case. Someone please correct me if I'm wrong. Anything I earn under the foreign earned income exclusion is not subject to US taxes but still most reported to the IRS. All income inco...
by corner559
Wed Dec 03, 2014 6:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Live in Japan with no plans of coming home. Should I do IRA
Replies: 6
Views: 1167

Re: Conservative portfolio results?

Look and see what that same $250,000 would've earned you in VG's Total Stock Market Index Fund (net of fees, of course), and see how it compares. I think you'll find the answer is pretty clear.
by corner559
Tue Dec 02, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3701

Re: Favorite TED Talks


The Gladwell talk is one of my favorites of all time.
by corner559
Thu Nov 27, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 26
Views: 3622

Japan-like market returns

There's another thread about how you handled the 2008 bear market. I answered (maybe too smugly) that I didn't change anything and wouldn't again when we have a repeat, and I still stand by that answer. However, I do wonder how I would fare if the US markets experienced a protracted bear market span...
by corner559
Thu Nov 27, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Japan-like market returns
Replies: 7
Views: 1132

Re: How did you handle the 2008 bear market ?

- How did you handle the 2008 bear market ? No differently than any other time. The only thing that might have been different is that I rebalanced twice in the same year. Normally I only rebalance once a year. - Did you stay the course ? If so, how ? (stop looking at your net worth etc) Yes. How cou...
by corner559
Thu Nov 27, 2014 2:06 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7493

Re: A Good Trip Overseas

I've done a bit of traveling, and these are places that I think are must-see tourist destinations in no particular order...

1) Paris
2) Istanbul
3) Bali
4) Serengeti Plain in Tanzania
5) India
6) Cambodia
7) Prague
8) Peru
9) Egypt (yes, I think it's safe to visit now for tourists)
10) China
by corner559
Sun Nov 23, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: A Good Trip Overseas
Replies: 17
Views: 1889

Re: Vacation in France

Live life to its fullest. That does not mean you have to be irresponsible and fritter away your entire nest egg. But it should mean not having to be a miser. You've obviously done well the last decade, so why not reward yourself and enjoy some of the spoils now while you can? I left my corporate job...
by corner559
Tue Nov 18, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 11430

Re: Is it ever a good idea to co-own real estate with parent

Not such a good idea. Also make sure that all parties involved clearly outline who gets what in the event there's a question of inheritance of the property and that you keep it out of probate. Knock on wood it won't ever come to that, but you need to cover your bases.
by corner559
Sat Nov 15, 2014 6:41 am
 
Forum: Personal Consumer Issues
Topic: Is it ever a good idea to co-own real estate with parents?
Replies: 20
Views: 1424

Re: Questions about flying with a toddler

Unbelievable. Can you elaborate on that? FWIW, I tortured myself about that same decision. Read lots of articles and saw interviews with FAs who recommended a separate seat and told horror stories. At the end of the day, isn't that risk similar to the risk when carrying an infant or worse getting t...
by corner559
Tue Nov 11, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 36
Views: 2975

Re: Questions about flying with a toddler

Unbelievable. Can you elaborate on that? FWIW, I tortured myself about that same decision. Read lots of articles and saw interviews with FAs who recommended a separate seat and told horror stories. At the end of the day, isn't that risk similar to the risk when carrying an infant or worse getting t...
by corner559
Tue Nov 11, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 36
Views: 2975

Re: Questions about flying with a toddler

An unsecured child in an adult's lap in an aircraft will be a projectile in the event of severe turbulence or crash. So if you think aircraft seat belts are a reasonable precaution for you, you should be giving your child the same precaution. And, for that matter, the other passengers around you wh...
by corner559
Tue Nov 11, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 36
Views: 2975

Re: Questions about flying with a toddler

Babies in the lap are EXTREMELY unsafe during severe turbulence and efforts are underway to get the FAA to ban the practice of allowing toddlers to ride for free. Anyone who's seen stories about last year's turbulent UA flight from Denver to Idaho knows that it's nearly impossible to keep an infant ...
by corner559
Tue Nov 11, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 36
Views: 2975

Vanguard Precious Metals and Mining Fund (VGPMX)

I have a small amount of money I use for purely speculation. Does anyone else think that the price of this fund is starting to look make it look attractive based on its history? Or would I just be gambling my money away?
by corner559
Mon Nov 03, 2014 2:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund (VGPMX)
Replies: 6
Views: 962

Re: Should I use 50k Delta miles for a $600 flight?

I usually use UA or one of their partners. I've found that I get much more bang for my miles if I upgrade from economy to business, especially for international flights. I always use my miles only for upgrades.
by corner559
Sun Oct 26, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 5043

Re: New to Investing, Based in Hong Kong

You may also want to check out Charles Schwab. They allow expats abroad open brokerage accounts through which you could purchase ETF's.
by corner559
Tue Oct 21, 2014 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 57
Views: 3787

Re: New to Investing, Based in Hong Kong

Check this out...

https://global.vanguard.com/portal/site/home

Here's a link to the HK site...

https://www.vanguard.com.hk/portal/home.htm

I know the offerings are limited, but might be worth a look.
by corner559
Mon Oct 20, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Based in Hong Kong
Replies: 57
Views: 3787

Re: How do you wash your car?

I get mine washed and vacuumed. I don't have the time or desire to do it myself. Ditto for housework. I have my placed cleaned a 2-3 times a month.
by corner559
Mon Oct 20, 2014 4:14 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8129

Re: Anyone cancelling travel plans?

Seriously? I'm amazed that as educated as people are on this board, we still get questions like this.
by corner559
Sun Oct 19, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6586

Re: Are Vanguard's target-retirement funds too aggressive?

Absolutely not. The allocations are just fine where they are and were too conservative when they first rolled out. The notion of bond=age is far too conservative IMHO. I'm currently 90% in equities which is 25-30% off where I should be if I were to follow the age rule. For those under 30, I think 10...
by corner559
Fri Oct 17, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1922

Re: Schwab or Vanguard for account when living abroad?

Vanguard let me keep my MF's but wouldn't allow me to open a brokerage account.
by corner559
Mon Oct 13, 2014 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for account when living abroad?
Replies: 7
Views: 951

Re: Dollar averaging or single market entry

I would like to start with investing for the long term according to the bogglehead principles (I am 26 years old). My idea would be to save up money first and invest this once or twice a year at a fixed date in order to keep transaction costs low. At the moment I have saved up around $40,000 which ...
by corner559
Fri Oct 10, 2014 2:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar averaging or single market entry (in Switzerland)
Replies: 18
Views: 1411

Re: Hamilton watches, worth the money?

Here's where Hamilton ranks in relation to the other brands that Swatch owns, at least according to Wikipedia.

http://en.wikipedia.org/wiki/The_Swatch_Group

And another perspective...

http://www.chronocentric.com/watches/brands.shtml
by corner559
Thu Oct 09, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 15965

Re: Couch Surfing

I've never tried it myself but know many people who've both hosted and stayed at places through the site, and no one I know has ever had a problem. The site is very good at vetting participants through reviews, so it tends to weed out the bad apples pretty quickly. If I had the space, I'd probably h...
by corner559
Thu Oct 09, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 6168

Re: Headed for a 300+ point loss today?

Browser wrote:DOW on rollercoaster last few days, looks like it's straight down today. Might be headed for a 300 point loss or more unless the dip buyers show up. :shock: :shock:

Who cares? If you're in it for the long haul one day or even a few months of down days shouldn't matter.
by corner559
Thu Oct 09, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37087

Re: Splurge vacation recovery--Hawaii or?

I agree on Cabo. Also, Scottsdale has some nice resorts as does Palm Springs.
by corner559
Mon Oct 06, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3153
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