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Re: What to do in a market correction

zaboomafoozarg wrote:
livesoft wrote:I'm going to add more penguin to my asset allocation in the next market correction.


What's the correlation coefficient between penguin and other major asset classes?


About the same as the correlation coefficient between unicorns and leprechauns.
by corner559
Mon Jul 21, 2014 3:23 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 2999

Re: how often do you look at your account

With online fraud these days, I think you'd be crazy not to check it at least once or twice a month.
by corner559
Sun Jul 20, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3508

Re: Footwear in Vietnam

I agree. Buy something there. If you are female, you could consider something like this http://www.zappos.com/sanuk-laurel-beige I think there may be a male version too. They weigh practically nothing and take very little space. Note: these are shoes built for people who believe that healthy feet d...
by corner559
Mon Jul 14, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 18
Views: 1400

Re: Thoughts on 100% stock allocation for 33 year old

For retirement money at your age 100% is fine. I was at 95% until just last year and am not much older than you. You have a LONG way to go to retirement.
by corner559
Mon Jul 14, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6127

Re: Financial Times Article on Vanguard.

The link doesn't work. It just goes to a sign-up page.
by corner559
Mon Jul 14, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 11
Views: 2219

Re: Tiny House Movement

I now live in a large city overseas where space is at a premium. My place is just 250 square feet, and I'm fine with it. I learned to adapt very quickly. I'm living well below my means. One of the biggest ah-ha moments for me was when I had to go back to the States to deal with all the crap I'd put ...
by corner559
Wed Jul 09, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15679

Re: Erasing hard disk that have died

Also, I've sold and donated a few computers and laptops in the past. In all cases, I always remove the HD, destroy it, and then tell the new owner they need to buy a new one for themselves. No way I'm ever going to let my HD out of my possession.
by corner559
Tue Jul 08, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3215

Re: Erasing hard disk that have died

The only way to TRULY make sure the data is destroyed is to open it up and physically destroy the platters like others have mentioned. I just take it apart, and crumple up and smash the platters so it's impossible to recover any data. I wouldn't trust any other method.
by corner559
Mon Jul 07, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3215

Re: Book for part-time Grad school?

Sounds like you just need a good time management book.

I did online courses for a couple of semesters while also working full time. Two things that I did were drastically curtailing my social life and avoiding procrastination.
by corner559
Mon Jul 07, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Book for part-time Grad school?
Replies: 26
Views: 1528

Re: USC vs. Columbia

What secondary subject are you teaching? The point is, if you simply need a Masters degree but not necessarily a MA in Education then you should have a much wider range of options of schools and programs. If you already have the teaching credentials and license and are only getting the degree to ha...
by corner559
Mon May 19, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1083

Re: USC vs. Columbia

gatorking wrote:Are you planning to become a teacher or an administrator? At what level?

I have zero interest in becoming an administrator. I'd like to continue teaching at the secondary level for the time being. Where I'm located, I only need a Masters to teach at the university level, so that's another option.
by corner559
Mon May 19, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1083

Re: USC vs. Columbia

I'm getting it for a few reasons... 1) I'm at a point where I feel I've hit my personal limit at work and need extra training to bring things to the next level. 2) For some jobs where I'm located an MA is required. If and when I leave my current position, an MA will make me a much stronger candidate...
by corner559
Mon May 19, 2014 5:28 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1083

Re: New Version of Excel - All Worksheets Need Changes

I've found that when I get a new monitor, if the aspect ratio doesn't change I'm fine. However, if the aspect ratio changes I have to change all the column widths as you mentioned, and I don't think there's a quick way to redo it. However, once it's done, you don't have to do it again assuming that ...
by corner559
Mon May 19, 2014 3:18 am
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1356

Re: TIPS - VIPSX, Why no Admiral Shares?

Sorry everyone. I was not aware that there was a $50,000 level for some Admiral Funds so the TIPS Admiral shares were completely left out when I did my search for mutual funds. I had it set to filter out any funds that require more than a $10,000 initial investment. Good to know for the future!
by corner559
Mon May 19, 2014 3:09 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 9
Views: 1014

USC vs. Columbia

I know that there's a similar USC vs. UCLA thread elsewhere, but I did want to get feedback on my particular situation. I've settled on either USC and Columbia for a Master of Arts in Education. Granted, this career isn't going to make me wealthy, but I've found what I love to do and want to get the...
by corner559
Mon May 19, 2014 2:53 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1083

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: 2234

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: 59
Views: 3429

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: 2509

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: 2509

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: 9
Views: 1014

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: 1017

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: 5143

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: 1017

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: 1017

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: 2378

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: 426

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: 3099

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: 1534

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: 1364

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: 3815

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: 818

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: 818

Re: ROTH Question

Anyone???
by corner559
Thu Dec 19, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 818

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: 3815

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: 3815

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: 3815

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: 3815

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: 818

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: 818

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: 2133

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: 1778

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: 10877

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: 3000

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: 4612

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: 26817

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: 543

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: 9826

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: 543
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