Search found 77 matches

by ragabnh
Wed Jul 01, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 29
Views: 4438

Re: Sychrony Bank - warning

I use Google Chrome and it is working fine. I agree their website is not the best.
by ragabnh
Wed Jul 01, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Capital one bonus offer
Replies: 4
Views: 1051

Re: Capital one bonus offer

I did with there saving account $50,000. The annual rate is 0.75% and you get $500 after 4 month of maintaining the balance. I think it is a good deal.
by ragabnh
Sun Jun 28, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 3983

Re: 2014 Lexus ES350

From my personal experience, the body integrity of Lexus/Toyota cars is superior to that of Acura/Honda, look at older models and you will notice the difference in how the car holds itself. Reliability for both brands is the same, but fit and finish of lexus is far superior to that of Acura and Toyo...
by ragabnh
Wed May 27, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 798

Re: EE/I Bonds purchase question

Thanks Grt2boutdoors and Artsdoctor for your posts,

My tax bracket for 2014 was 20%, but I was working back then,

I was considering saving account online with Synchrony at 1.04%, may be I should do that now.
by ragabnh
Wed May 27, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 798

Re: EE/I Bonds purchase question

Thanks Cruncher for your input, the money is not emergency fund, I already has one with one year expenses covered. It is a money I received as a gift from my mother and I am currently just retired at age 58 and have no immediate use for this money, also I have around 250k in saving account at WF ear...
by ragabnh
Tue May 26, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 798

Re: EE/I Bonds purchase question

I will take your advice, thanks for your input SuperNova.
by ragabnh
Tue May 26, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 798

EE/I Bonds purchase question

Is it a good time to buy Treasury Bonds Series EE and I Bonds, or should I wait till September after the Fed Meeting with regards to Interest rate possible hike?

I have $20,000 to invest for the long run.

Thanks for the help.
by ragabnh
Sat May 23, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 8031

Re: please confirm: early retirement

i have retired at age 58 a month ago, very similar savings to yours invested in the market tax and tax advantage basis, but my wife still works earning 70k annually. I believe you can do it provided that you control your expenses.
by ragabnh
Mon Apr 27, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 11141

Re: “Entry level” luxury cars under 40k

Bought 2013 328 XDrive fall 2014, it was a left over and had 800 miles on the odometer, this one is optioned with cold weather and lighting packages and has the navigation package. MSRP was $47000 got it for $35500. Fantastic car, so much fun to drive and is plenty powerful, with 2 liter biturbo and...
by ragabnh
Tue Feb 24, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my IRA's Contribution
Replies: 3
Views: 354

Re: I need help with my IRA's Contribution

Thanks Kaneohe for your response,

The way I understand your post is to open another TIRA account and role over the money that I withdrew from my current TIRA account into it,

Then characterize within 60 days and roll over to Roth, is that correct?
by ragabnh
Tue Feb 24, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my IRA's Contribution
Replies: 3
Views: 354

I need help with my IRA's Contribution

Hello, I hope I am not repeating a similar topic as I am confused reading all similar situations and doing my taxes at this time, My situation is as follows: - contributed to TIRA in early 2014 for the same tax year, amount $6,500 over age 50 - Due to change in my employment I am no longer eligible ...
by ragabnh
Mon Feb 02, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Holding money for a year
Replies: 14
Views: 1137

Re: Holding money for a year

Is there an equivalent Vanguard ETF for the same?
by ragabnh
Sat Apr 05, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 39397

Re: What age did you reach 100K networth?

I was late to the party, at age 40 I owed around $20,000, by the age of 50 I hit $100,000, currently at 58 more than 10 times as much without considering my house.
by ragabnh
Sat Jan 25, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 13654

Re: What's your dream car?

2014 Porsche Cayman S :happy is the car I want and will buy, once I am back to the US.
by ragabnh
Sat Oct 26, 2013 9:13 am
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 24008

Re: 2013/2014 Honda accord - any better values?

Nothing ages like a Toyota, and that is beside reliability and quietness.

For the above 3, certainly vote for Camry.
by ragabnh
Thu Oct 10, 2013 6:36 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9935

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

I am from Nevada and my son wants to go to California School, UC Davis, tuition, room and board and other expenses is around $52,000 annually, so for a 4 year degree I will be paying $208,000, oouch.
by ragabnh
Thu Oct 10, 2013 6:07 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9935

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

livesoft wrote:I know quite a lot of engineers that don't know their way around a tool box. A practical job would go a long way to solving that problem.


Sure then I will ask him to work as frier boy in the neigbourhood Taco Bell so he is well prepared to design cable stay bridges,
by ragabnh
Thu Oct 10, 2013 5:57 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9935

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

My father paid my full college expenses, and I will be doing the same for my son. I want him to concentrate on his schooling without worrying about working to pay for it. You know, it's funny... Of the knowledge and wisdom I apply on a day-to-day basis in my job, I'd say that at as much of was gain...
by ragabnh
Wed Oct 09, 2013 9:04 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9935

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

My father paid my full college expenses, and I will be doing the same for my son.

I want him to concentrate on his schooling without worrying about working to pay for it.
by ragabnh
Wed Oct 09, 2013 9:02 am
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 4480

Re: Son's first car

I have 07 FJcruiser, I will give it to my son who will be going to college next summer,
by ragabnh
Mon Sep 30, 2013 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 7612

Re: Poll: $ monthly contribution to 529/college savings

I started when my son was 5 years old, currently he is Sixteen, I started contributing $150 per month and I increased steadily through the years to the current $1000. We have around $70,000 in New Mexico plan while we live in Nevada and we do not have any state tax benifits for maintaining such plan...
by ragabnh
Mon Sep 30, 2013 6:47 am
Forum: Personal Finance (Not Investing)
Topic: New to HSA, is it a good fit?
Replies: 24
Views: 2194

Re: New to HSA, is it a good fit?

I have no health insurance in the US, but I have HSA with some money (ex-employer plan), currently I work oversease, however can I still use the money in the US (when I visit) for medical expenses even though I do not have any health insurance (health insurance only valid overseas)
by ragabnh
Thu Sep 12, 2013 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2367

Re: Early retirees - did you pay off your house?

House paid off October of last year, will retire next year August at age 58, renting the house currently, as I work overseas at this time, once I am back I will buy a new house for cash and keep the rental property for generating money during retirement.
by ragabnh
Sat Sep 07, 2013 11:18 pm
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 8647

Re: Rental real estate post - what's the catch?

Ok, the house is currently worth around $230,000, at the height of the markedt 07 it was worth $430,000 and $170,000 at market lows early 2012, I did not buy the house to invest, I wanted a place to live without paying rent, my mortgage payment was $1500. The house was paid off in 16 years, I only p...
by ragabnh
Sat Sep 07, 2013 10:51 am
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 8647

Re: Rental real estate post - what's the catch?

I am not a real estate investor, but I will present real case scenario, I bought a house in 1996 paid $200,000 including upgrades, I had to leave the US to work overseas 2008, so I used property management company to rent it. The house was paid off November 2012, currently I clear $1100 in rent afte...
by ragabnh
Sat Feb 09, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 24214

Re: What % of your income are you saving for retirement?

Age 56 save around 67% of Gross, will retire in 1.5 years at almost 58.
by ragabnh
Sat Feb 02, 2013 6:34 am
Forum: Personal Consumer Issues
Topic: I Wrecked The Rental Car
Replies: 28
Views: 6156

Re: I Wrecked The Rental Car

Can't you buy collision and liability insurance at other places rather than the rental agency, may be that way you can get a better deal.
by ragabnh
Fri Feb 01, 2013 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Expats: E-Filing of Tax Returns with Foreign Address?
Replies: 33
Views: 4701

Re: Expats: E-Filing of Tax Returns with Foreign Address?

I work abroad, and for the past two years I efiled using Turbotax and my estimated taxes were withdrawn from my US bank account.
by ragabnh
Sat Jan 19, 2013 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Percent Of Net Worth In The Market?
Replies: 24
Views: 1756

Re: Percent Of Net Worth In The Market?

15% of net worth is in a paid off home,
25% is in cash
60% is in stock and bonds in ratios 60% and 40% respectively,
Two more years before retiring.
by ragabnh
Sat Jan 05, 2013 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 834

Re: Roth IRA contribution Question

Thanks Alan, your response is well appreciated, The traditional IRA contribution is tax deductable so I prefer to keep as is, in this case the only option I have is to withdraw my contribution of Roth IRA and pay taxes on gains, but I am not sure if the 6% penalty applies, since the contribution was...
by ragabnh
Fri Jan 04, 2013 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 834

Roth IRA contribution Question

I have contributed by mistake to my Roth IRA $6000 early 2012, in the same time I have contributed the same amount to a traditional IRA, My question is : Can I apply my Roth 2012 contribution to 2013, if yes, how would I do that. My account is with Etrade for the Roth IRA. I appreciate any help or a...
by ragabnh
Tue Dec 18, 2012 9:15 am
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 22303

Re: What kind of car are you driving?

2007 FJ cruiser with 37000 miles, bought from Irish Expat,

2010 Toyota Prado 20,000 Kilometers, bought new,

We live currently overseas and both cars were great so far,
by ragabnh
Sat Oct 13, 2012 11:36 am
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 6680

Re: Average Age of Bogleheads Posters

I am 55 years and should be 56 in couple of months,
by ragabnh
Sat Oct 13, 2012 9:56 am
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 4071

Re: What is the return on stock vs real estate investing?

I have a paid off house that is generating around 8% annualy of its current value in rents, it is run by property management company and it has been rented for the past three years. I purchased appliance insurance and I pay HOA, taxes and property insurance on line, the rest is taken care by Propert...
by ragabnh
Sat Sep 29, 2012 9:51 am
Forum: Investing - Theory, News & General
Topic: list your fixed income
Replies: 97
Views: 6648

Re: list your fixed income

20% of my Portfolio is in bonds,

50% in Total Bond Market,
50% in Tips and I-Bonds
by ragabnh
Sat Aug 25, 2012 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today - Thanks!
Replies: 37
Views: 4879

Re: Paid off mortgage today - Thanks!

I will be paying off mine in two months, started with a 30 year loan, refinanced for lower interest rate and 15 years term, refinanced again for even lower interest rate and 10 year term.
by ragabnh
Sat Aug 25, 2012 9:30 am
Forum: Investing - Theory, News & General
Topic: When did you start to save a regular significant amount?
Replies: 81
Views: 11559

Re: When did you start to save a regular significant amount?

I started late by age 41, I did not make much money prior to that and I was paying debt due to bad decisions. However I managed to save significantly after that, each year increased the percentage, which is currently at 65% of my income. Currently at 55, I managed to build up my networth significant...
by ragabnh
Tue Aug 21, 2012 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 9344

Re: At what age did you start investing?

Started Late at 41 years old, maximized my contribution to 401k and Roth Ira, now at 55 I also use catch up contribution. also invest in I-bonds and have two brokerage account for after tax saving with low six figure each. Plan on retiring in two more years.
by ragabnh
Sat Aug 18, 2012 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Relocated out of country, what to do w/ home?
Replies: 9
Views: 4724

Re: Relocated out of country, what to do w/ home?

I have moved overseas 4 years ago for work reasons, I expect to stay two more years, I have been renting my house with property management in charge. I also pitch in around $300/month to make up for the mortgage payment. It has been good experience so far, I would do it again if I go through similar...
by ragabnh
Fri Aug 17, 2012 10:41 am
Forum: Investing - Theory, News & General
Topic: how often do you check your portfolio?
Replies: 94
Views: 7628

Re: how often do you check your portfolio?

I check on daily basis, happy when market goes up and ignore it when market goes down.
by ragabnh
Fri Aug 17, 2012 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Saving for kids education
Replies: 26
Views: 2942

Re: Saving for kids education

I started putting 200/month in my Son's 529 when he was 3 years old, then I realized that was not enough so I increased gradually to 500/month, currently my is son is 15 and he has around $57,000 in his 529 + $5500 in coverdale IRA+$8000 Series EE bonds, I will keep putting money for him all the way...
by ragabnh
Sun Aug 05, 2012 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Do you include cash in your asset allocation?
Replies: 50
Views: 4418

Re: Do you include cash in your asset allocation?

Johm221122 wrote:
ragabnh wrote:I have $300,000 in a saving account yielding 2.5% and heck yes I count that in AA,

Why?Because of good interest rate ?


Yes, it is 25% of my portfolio, I feel it is diversification besides Mutual Funds and Bonds. The money is also accessable easily in case I need to enter the market at some point.
by ragabnh
Sun Aug 05, 2012 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Do you include cash in your asset allocation?
Replies: 50
Views: 4418

Re: Do you include cash in your asset allocation?

I have $300,000 in a saving account yielding 2.5% and heck yes I count that in AA,
by ragabnh
Sat May 26, 2012 7:47 am
Forum: Personal Finance (Not Investing)
Topic: House is paid off!!!
Replies: 48
Views: 4122

Re: House is paid off!!!

Congratulations for this big achievment, I am 56 years old and still have mortgage going, but I should be done within 4 month, I am sure at your age it should feel fantastic. :sharebeer
by ragabnh
Sat May 19, 2012 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Buying into a restaurant group; later in life
Replies: 30
Views: 2206

Re: Buying into a restaurant group; later in life

At age 83 and she wants to get into restaurant business, may be finally age caught up with her. :confused
by ragabnh
Sat Apr 28, 2012 3:35 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 124
Views: 9657

Re: How much do you spend on groceries?

Family of 3, live overseas currently, spend $1200 on groceries and $1000 on dining and lunch, all what I can say we eat first class, probably could cut that easily by 1/2 as food prices are slightly less than the US.
by ragabnh
Fri Apr 29, 2011 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 798

Tax rate 25%.
by ragabnh
Fri Apr 29, 2011 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 798

Re: Cash money to invest

1. First, you need a plan. Are you asking for suggestions to develop one? http://www.bogleheads.org/wiki/Investment_Policy_Statement Plan is 60% equities 40% bonds 2. Invest according to #1. That is where I need the advice, I don't have tax advantaged account besides Roth . 3. What are your goals (b...
by ragabnh
Fri Apr 29, 2011 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Cash money to invest
Replies: 5
Views: 798

Cash money to invest

Hello, :) Age 54, spouse does not work, son 14 years old. Planning on retiring at 62. Currently work overseas, no 401k is available, investing only in Roth and I-Bonds. Plan on working at same place for the next 3 years and then back to the US. Current Annual Savings $100,000. I have accumulated som...
by ragabnh
Sat Mar 26, 2011 5:58 am
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 8236

90% 53 200,000

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