Search found 137 matches

by pc95
Fri Jun 05, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 552

Re: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Ralph, I checked HSBC's Premier account in Japan and it looks like you cannot open a premier account since 2013...? Thanks for the info though
by pc95
Fri Jun 05, 2015 7:31 am
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 552

FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Good Day, does anyone have a system or know of the best way to minimize fees/costs for fairly large amounts of Foreign Exchange from US Dollars[$] to Japanese Yen [Y]? I'm trying to get as close to the Exchange rate as possible for obtaining millions of Yen ($10s of 1000s) without paying large perce...
by pc95
Sun Apr 19, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1107

Re: Estate Tax Considerations

Thx Theoretical....So I guess I'm not understanding fully - will the joint assets of our estate incur estate tax regardless of if a trust is setup or not? You say it's already "taxed"? There is no exemption available due to non-citizenship, correct? Our assets will not be above the exempti...
by pc95
Sat Apr 18, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1107

Re: Estate Tax Considerations

Thanks for the replies, my wife has said she'd like to return to Japan in the event of my death, and as such my understanding is if there is no QDOT setup, estate taxes will be incurred. Also, even if a QDOT is setup, only interest can be drawn unless deemed a hardship, and estate taxes will be due ...
by pc95
Sat Apr 18, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1107

Estate Tax Considerations

Hello, my wife is Non-US Citizen and does not want to become a US citizen; she is Japanese covered fairly well under treaty pacts for income. I have read due to being a non US Citizen there is no normal spousal exemption for estate tax if I die suddenly. We went through the Green Card Process a deca...
by pc95
Fri Apr 17, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4843

Re: Inexpensive Smartphone

Interested in an unlocked smart phone for wifi only....do not want monthly plans or minutes, just want for wifi applications (skype, maps, travel, airline etc)- anyone purchase a cheaper smartphone they can recommend for this utility? Thx.
by pc95
Fri Apr 17, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Taxable
Replies: 1
Views: 314

Life Insurance Taxable

An older friend has listed me as a beneficiary of his life insurance. Simple question - are life insurance benefits taxable in CA? Thought they were not, but unsure - Thx.
by pc95
Sun Apr 12, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate - Japan
Replies: 5
Views: 862

Real Estate - Japan

Are there any Ex-Pats who live or have lived in Japan in the forum and have gone through the hurdles of purchasing property in Japan as a seasonal living arrangement? If so, what are the major considerations (aside from language issues) you've made and gone through with the purchase/rules - ie major...
by pc95
Wed Feb 11, 2015 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Trust Supervisor Role
Replies: 4
Views: 469

Trust Supervisor Role

Hello, I had originally been asked to be an executor to my older friend's estate. He also generously asked to put me as a beneficiary to a portion of it. Upon consultation with a lawyer, he has now modified his idea of a will to a trust, and asked me to be "trust supervisor" (I dont think ...
by pc95
Sat Dec 27, 2014 11:54 am
Forum: Investing - Theory, News & General
Topic: An ETF on a futures contract? Can someone explain this to me
Replies: 41
Views: 2491

Re: An ETF on a futures contract? Can someone explain this t

" My one observation of oil prices since 1979 (or 1973) is that 1). it is always volatile 2). the swings up and down always go further than you imagine possible."

This is exactly what I'd be betting on for the upward variety....good old limit orders.....
by pc95
Sat Dec 27, 2014 10:51 am
Forum: Investing - Help with Personal Investments
Topic: USO ETF Speculation
Replies: 5
Views: 537

Re: USO ETF Speculation

thanks for the thread sifting....
by pc95
Sat Dec 27, 2014 10:49 am
Forum: Investing - Theory, News & General
Topic: An ETF on a futures contract? Can someone explain this to me
Replies: 41
Views: 2491

Re: An ETF on a futures contract? Can someone explain this t

Off a google search, a blogger writes about another possible pitfall with USO called contango, that may be something to consider: http://www.etf.com/sections/blog/5362-uso-oil-usl.html He recommends a spread-out (averaged)oil futures ETF named USL which is less volatile by the same company. Few thou...
by pc95
Sat Dec 27, 2014 2:15 am
Forum: Investing - Help with Personal Investments
Topic: USO ETF Speculation
Replies: 5
Views: 537

USO ETF Speculation

Wondering, has anyone considered Oil ETFs as a speculation-type investment currently with the fairly substancial drop-off? I've been looking at USO at around $21/share at an 8+ year low off its chart, and off it's approx $30/share average over the last 4-5 years. Thoughts? Can oil continue to fall o...
by pc95
Sat Dec 27, 2014 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 9605

Re: Best Online Savings bank

Have not looked at GE, but Barclays 5 yr CD at 2.25% and 180 day early penalty is pretty good at the moment I think.
by pc95
Fri Oct 10, 2014 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Advisor Sales Load/Fee Question
Replies: 6
Views: 589

Wells Fargo Advisor Sales Load/Fee Question

Quick question concerning stock sales - my mother uses Wells Fargo Advisors and called in the the advisor recently to sell 1000 shares of xyz at $37 per share. She says the advisor reportedly told her there will be a $500-600 fee to sell on top of the taxes (capital gains).....I'm trying to figure o...
by pc95
Thu Sep 18, 2014 8:04 pm
Forum: Investing - Theory, News & General
Topic: Yen almost @ 109 to the dollar
Replies: 19
Views: 2330

Yen almost @ 109 to the dollar

Was wondering why the Yen is weakening so fast? And is this what the Japanese government wants? Believe it's desired for exports....but what other reasons might there be?
by pc95
Sun Sep 07, 2014 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bond Funds and Interest Rates Question
Replies: 17
Views: 1432

Bond Funds and Interest Rates Question

If the FEDS raise interest rates to 4% what will be the corresponding percentage drop in an average bond index fund, for example VTAPX?
by pc95
Fri Jun 13, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: (40s) Early Retirement Considerations
Replies: 1
Views: 680

(40s) Early Retirement Considerations

I'd like to hear from those who retired or have tried to in their 40s. What age did you retire? Are you able mostly to maintain your lifestyle and principal income so far? How many years did you work prior to retiring? Are you able to save at least somewhat when in retirement? What do you do/have fo...
by pc95
Fri Apr 11, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1471

Re: Considerations For Executor

I met with my friend today and informally accepted the offer of executor with additional dutie to assist his wife in the event of he dying prematurely/suddenly. I found out that he has an LTCI that will cover his wife for $110 per day of for the rest of her life should something happen to him; he al...
by pc95
Thu Apr 10, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1471

Re: Considerations For Executor

Thanks for your thoughts Sparkle, I may bring it up, although he stated he had Long Term Care and Health Insurance - in correspondence my friend uses the word "simple" quite often. Wanting a "simplified" situation for his wife. He has a "simple" will, and has said he's ...
by pc95
Thu Apr 10, 2014 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1471

Re: Considerations For Executor

Mayday, that's much of how I feel; I"ve told him I am interested and am happy to help - sort of signaling I will do it, but my wife is worried of legal ramifications or liabilities. As WhyNot advised, keeping arms length is a good idea, so fair compensation is completely up to him, with as litt...
by pc95
Tue Apr 08, 2014 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1471

Re: Considerations For Executor

Thanks WhyNot for your reply. A will seems very personal and I do not want to cause a stir to his extended family, but at the same time I do not want to let him down. He has been there many times for me with my work without question. To add, his wife does not handle and is incapable of handling fina...
by pc95
Tue Apr 08, 2014 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1471

Considerations For Executor

I have an old mentor from work whom I'm still close to recently ask if I was interested in being executor of his estate. He has been retired almost 10 years, but we keep in contact fairly regularly. His wife is much older than he (more than 10 years), and he has offered generous compensation if I ag...
by pc95
Thu Jan 02, 2014 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Account Insurance Qs
Replies: 0
Views: 119

Coverdell Education Savings Account Insurance Qs

The FDIC site states Coverdell ESA Certificate is insured as an irrevocable trust account. How is this coverage compared to FDIC deposit insurance? How is this
coverage administered?

Thx.
by pc95
Fri Dec 13, 2013 12:36 pm
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 40035

PenFed Raises CD Rates

[Thread merged into here, see below. --admin LadyGeek]

For those of you interested in CDs - Just saw this (sorry if a repost):

https://www.penfed.org/Certificates_Overview/

Of note, 5 year CD is 3.04% with an early withdrawal penalty of 365 days.
by pc95
Fri Dec 13, 2013 10:13 am
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 9550

Re: Poor PenFed Reviews

Have had Penfed for 8-9 years. Have their older 5% rebate gas card which I believe is longer available. It's been an excellent gas credit card. I also use them for CDs though their rates have lately been less competitive than in years past. Their CD process is average, and I'd agree with others they...
by pc95
Fri Dec 13, 2013 9:55 am
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 14397

Re: What percentage of your income are you saving?

Before tax? I couldn't tell you...after tax (take home): Varies from year to year, but our target is 70% of our take-home pay - usually it's high 50s or low 60s percentile range.
by pc95
Fri Nov 29, 2013 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard ACHing Question
Replies: 20
Views: 876

Re: Vanguard ACHing Question

Stan, Yes, sold it Wed....thought it would be avail today for ACH....
by pc95
Fri Nov 29, 2013 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard ACHing Question
Replies: 20
Views: 876

Re: Vanguard ACHing Question

There is no bank transfer option available. Note the stock (non-Vanguard) was already sold, and appears now as a "credit" with now apparent way to tranfer it on the Vanguard page. Bank is active on the account maintenance page. Thx.
by pc95
Fri Nov 29, 2013 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard ACHing Question
Replies: 20
Views: 876

Vanguard ACHing Question

Quick question, I have a brokerage account on Vanguard and would like to move money from Vanguard to my bank. I set up the bank already, but their site logged on does not show an external transfer type option. I'm sure there's a way to do this online that I'm missing....can someone please give a qui...
by pc95
Sun Jul 28, 2013 11:00 am
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 109574

Re: more than one credit card?

If you enjoy or need to travel, It's good to keep an eye-out for credit card offers with excellent airline miles bonuses. Current Example: Southwest has their 50,000 pt bonus right now: https://creditcards.chase.com/a1/southwest/2ffep3 United had a 50,000 mile bonus in the past, and awhile back ther...
by pc95
Sun Jun 16, 2013 1:53 pm
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 13
Views: 750

Re: Electric cars (full electrics and plug-in hybrids)

Ual, how much would it cost to cover your roof with panels nowadays? And would that suffice your energy needs? When are you considered a higher tier energy user by your power company? What is that tier? Our company has 0.15 and 0.30 tiers. I assume the worst case for the example since what the power...
by pc95
Sun Jun 16, 2013 11:15 am
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 69
Views: 7980

Re: Electric cars (full electrics and plug-in hybrids)

Doing a "back of the envelope" calculation, our power company states that in higher tier usage the cost of electricity is $0.30 per kwh As an arbitrary example if my all-electric car gets 3 miles/kwh efficiency, then it costs roughly $0.10 per mile. Now for a gas engine at $4.00/gallon at ...
by pc95
Tue Feb 26, 2013 12:27 am
Forum: Investing - Help with Personal Investments
Topic: 1099b Question (Option Question)
Replies: 2
Views: 235

1099b Question (Option Question)

I'd bought 100 shares of RIMM in Dec 11 at a cost basis of 13.66 per share with a put option at strike price 20 for June 12 total for around $2100. The stock went up and down and I finally sold both the put and stock at the strike price for about $1993 before the put expired in June. On my tax sheet...
by pc95
Sat Jan 26, 2013 1:34 am
Forum: Investing - Help with Personal Investments
Topic: Seeking to retire at 50
Replies: 52
Views: 3174

Re: Seeking to retire at 50

I wouldn't count on a pension - I would not factor it into your retirement estimates for various reasons .....retiring early depends on what sort of lifestyle you want vs can afford. To be conservative, that is, not factoring in bleak world events/unforeseen problems, if you want to have mid-range r...
by pc95
Sun Jan 13, 2013 10:08 pm
Forum: Personal Consumer Issues
Topic: Rental Question W/D [How much rent to pay for Washer/Dryer]
Replies: 15
Views: 1099

Rental Question W/D [How much rent to pay for Washer/Dryer]

For Renters, all things being equal, how much extra (rent) would you be willing to pay to have a washer and dryer working/available inside your rental unit (ie. the garage or closet)?

Just curious what others perceived monetary value might be.....

Thx.
by pc95
Sat Jan 12, 2013 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX for 1% savings rate?
Replies: 20
Views: 1946

Re: AMEX for 1% savings rate?

I like PenFed's 1.85% rate for a 3-yr CD. I also have AMEX for a 0.9% online savings account - good web-interface. But for the extra money I'd take the CD if you don't need the money right now. If you're just looking for a better short term storage place, AMEX is great. Ally is probably fine too.
by pc95
Fri Jan 11, 2013 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: CD purchase through VG - Which to buy?
Replies: 19
Views: 1738

Re: CD purchase through VG - Which to buy?

Penfed has a 3-year CD for 1.85% APY with a 6 month penalty vs likely a 12 month penalty for a 5 years CD.....

https://www.penfed.org/Money-Market-Accounts-Overview/

Better deal imo
by pc95
Sun Jan 06, 2013 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: CD question
Replies: 4
Views: 700

Re: CD question

CD rates are very poor, but if you're going to get one, try Pentagon Federal Credit Union 3 Yr @ 1.85% APY with 6-month penalty. https://www.penfed.org/Money-Market-Accounts-Overview/ I've used Penfed for many years and am quite happy with them. Unfortunately, believe there's no end in sight for the...
by pc95
Fri Jan 04, 2013 12:27 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2012
Replies: 58
Views: 5096

Re: Best Movies of 2012

imdb average ratings sometimes are completely off-base.
by pc95
Mon Dec 31, 2012 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Gym: 24 Hr Super Sport Worth Double Dues?
Replies: 2
Views: 746

Gym: 24 Hr Super Sport Worth Double Dues?

Hello,
Anyone with a 24 hr fitness gym membership upgrade to Super Sport membership from Sport? Do you find it worth the increase in dues if so?
by pc95
Fri Nov 30, 2012 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How much to contribute to 401(k) vs. Roth?
Replies: 11
Views: 1452

Re: How much to contribute to 401(k) vs. Roth?

As already noted, put in at least to the employers match limit for 401 trad. - then it's up to you. I like to put more into ROTH and pay the taxes now - but it's a bit of Crap shoot.
by pc95
Tue Nov 27, 2012 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 8578

Re: Becoming a Landlord Experiences

The rent I quoted would be on the low side according to comparables. Is that enough to keep it rented? Good question. House requires some upfront investment. As an investment return I'd hope after taxes, expenses, vacancies, fees, this rental could generate 5-8% ROI per year. Now over 10 years, who ...
by pc95
Tue Nov 27, 2012 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 8578

Becoming a Landlord Experiences

I am entertaining the idea of becoming a landlord. Believe it would make sense financially for the area I'm looking at. $170k - 1450 sqft house renting for about $1350/month rent, 1.5% property tax. Of course there's much more to being a land-lord than just financials. Those of you who have been or ...
by pc95
Sun Nov 18, 2012 1:09 pm
Forum: Investing - Theory, News & General
Topic: Why not dive into equities right now?
Replies: 25
Views: 3334

Re: Why not dive into equities right now?

Nothing wrong with market timing if you get it right :)....just be prepared for the alternate outcome - ie suffering paper or real losses. As far as the timing of now? I think many stocks are currently over-valued (my big example is Amazon (AMZ) at a P/E of over 2000(!!!)) and perhaps the market as ...
by pc95
Sun Nov 18, 2012 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on home or take out larger mortgage?
Replies: 6
Views: 846

Re: Large down payment on home or take out larger mortgage?

The question at hand is whether the investment can beat the mortgage rate, which is in some cases 2.5% depending on term, amount, credit history etc. Can your investments make more than 2.5% over the life of the loan? My thinking is probably. But then again, I like the idea of paying a house off com...
by pc95
Sun Nov 18, 2012 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Highest APY for a Savings Account
Replies: 17
Views: 2500

Re: Highest APY for a Savings Account

I figured it was about $75 more over 8 months for about an hour of my time as I already have accounts at DCU. Worth it, barely.
by pc95
Sat Nov 17, 2012 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [New Physician - How to reduce tax burden?]
Replies: 28
Views: 2612

Re: Taxes [New Physician - How to reduce tax burden?]

Careful of alternative minimum tax - believe it may creep in for many more unless addressed by politicians - and your new stated income looks like a candidate.

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